/* =============================================
   EPIC HEALTHY FINANCE — Brand System (styles.css)
   =============================================
   Brand Palette:
     Indigo (trust):     #1B4D8E / #2E6AB8
     Gold (prosperity):  #D4A12E / #E8BD5C
     Green (growth):     #2E8B57 / #4CAF7A
     Gray (stability):   #6D7A94
   Typography:
     Headings: 'Outfit'
     Body:     'DM Sans'
   ============================================= */

:root {
  --indigo-900: #1A2E5A;
  --indigo-700: #1B4D8E;
  --indigo-500: #2E6AB8;
  --indigo-400: #4A8AD4;
  --indigo-100: #E2EBF4;
  --indigo-50:  #F0F4F9;

  --gold-600: #B8922A;
  --gold-500: #D4A12E;
  --gold-400: #E8BD5C;
  --gold-100: #FDF6E4;

  --green-600: #2E8B57;
  --green-400: #4CAF7A;
  --green-100: #E6F5ED;

  --gray-600: #6D7A94;
  --gray-100: #E8ECF2;

  --earth-800: #2C3240;
  --earth-700: #374050;
  --earth-400: #6D7A94;
  --earth-200: #B8C0D0;
  --earth-100: #E8ECF0;
  --earth-50:  #F5F7F9;

  --white:     #FFFFFF;

  --radius-sm: 0.375rem;
  --radius-md: 0.625rem;
  --radius-lg: 1rem;
  --radius-xl: 1.25rem;
  --radius-pill: 100px;

  --shadow-sm: 0 1px 3px rgba(26,46,90,0.06);
  --shadow-md: 0 4px 16px rgba(26,46,90,0.08);
  --shadow-lg: 0 12px 40px rgba(26,46,90,0.12);
  --shadow-glow: 0 6px 24px rgba(27,77,142,0.25);

  --font-heading: 'Outfit', sans-serif;
  --font-body: 'DM Sans', sans-serif;
}

/* ===== UTILITIES ===== */
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0;
  margin: -1px; overflow: hidden; clip: rect(0,0,0,0);
  white-space: nowrap; border-width: 0;
}
.skip-to-content {
  position: absolute; top: -100%; left: 50%; transform: translateX(-50%);
  background: var(--indigo-700); color: #fff; padding: 0.75rem 1.5rem;
  border-radius: var(--radius-pill); font-weight: 600; z-index: 10000;
  transition: top 0.2s;
}
.skip-to-content:focus {
  top: 1rem;
}

/* ===== RESET & BASE ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'DM Sans', 'Inter', sans-serif;
  color: var(--earth-700);
  background: var(--white);
  line-height: 1.65;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--indigo-700); text-decoration: none; transition: color 0.2s; }
a:hover { color: var(--indigo-500); }
ul { list-style: none; }
::selection { background: var(--indigo-100); color: var(--indigo-900); }

/* ===== UTILITY ===== */
.container { max-width: 1200px; margin: 0 auto; padding: 0 1.5rem; }
.section-pad { padding: 6rem 0; }
.bg-light { background: var(--earth-50); }
.bg-brand {
  background: linear-gradient(135deg, var(--indigo-900) 0%, var(--indigo-700) 50%, var(--indigo-500) 100%);
  color: #fff;
}

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem;
  padding: 0.8rem 1.8rem; border-radius: var(--radius-md); font-weight: 600;
  font-size: 0.95rem; font-family: 'Outfit', sans-serif; cursor: pointer;
  border: 2px solid transparent; transition: all 0.25s ease;
  text-decoration: none; white-space: nowrap; letter-spacing: 0.01em;
}
.btn-primary {
  background: var(--indigo-700); color: var(--white); border-color: var(--indigo-700);
}
.btn-primary:hover {
  background: var(--indigo-900); border-color: var(--indigo-900); color: var(--white);
  transform: translateY(-2px); box-shadow: var(--shadow-glow);
}
.btn-outline {
  background: transparent; color: #fff; border-color: rgba(255,255,255,0.6);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.12); border-color: #fff; color: #fff;
  transform: translateY(-2px);
}
.btn-secondary {
  background: transparent; color: var(--indigo-700); border-color: var(--indigo-700);
}
.btn-secondary:hover {
  background: var(--indigo-100); transform: translateY(-2px);
  box-shadow: 0 4px 14px rgba(27,77,142,0.15);
}
.btn-nav {
  background: var(--gold-500); color: #fff !important; border-color: var(--gold-500);
  padding: 0.55rem 1.3rem; border-radius: var(--radius-md); font-size: 0.88rem;
}
.btn-nav:hover {
  background: var(--gold-600); border-color: var(--gold-600); color: #fff !important;
  transform: translateY(-2px); box-shadow: 0 4px 14px rgba(212,161,46,0.3);
}
.btn-program {
  background: var(--indigo-100); color: var(--indigo-900); border-color: var(--indigo-500);
  margin-top: 1rem; font-size: 0.9rem;
}
.btn-program:hover {
  background: var(--indigo-700); color: #fff; transform: translateY(-2px);
}
.btn-program-launch {
  margin-left: 0.5rem; background: var(--indigo-700); color: #fff;
}
.btn-program-launch:hover {
  background: var(--indigo-900); transform: translateY(-2px); box-shadow: 0 4px 14px rgba(27,77,142,0.3);
}
.btn-full { width: 100%; }

/* ===== SECTION HEADERS ===== */
.section-header { text-align: center; max-width: 720px; margin: 0 auto 3.5rem; }
.section-tag {
  display: inline-block; background: var(--indigo-100); color: var(--indigo-700);
  font-size: 0.75rem; font-weight: 700; font-family: 'Outfit', sans-serif;
  letter-spacing: 0.12em; text-transform: uppercase;
  padding: 0.4rem 1.1rem; border-radius: var(--radius-pill); margin-bottom: 1.25rem;
}
.section-title {
  font-family: 'Outfit', sans-serif; font-size: clamp(1.8rem, 3vw, 2.6rem);
  color: var(--indigo-900); line-height: 1.2; margin-bottom: 1rem; font-weight: 700;
}
.section-subtitle {
  font-size: 1.05rem; color: var(--earth-400); line-height: 1.75;
}
.section-header-light .section-title { color: #fff; }
.section-header-light .section-subtitle { color: rgba(255,255,255,0.8); }
.section-tag-light {
  background: rgba(255,255,255,0.15); color: #fff;
  border: 1px solid rgba(255,255,255,0.25);
}

/* ===== NAVBAR ===== */
.navbar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  padding: 0.85rem 0; background: transparent;
  transition: background 0.35s ease, box-shadow 0.35s ease, padding 0.35s ease;
}
.navbar.scrolled {
  background: rgba(255,255,255,0.97); box-shadow: 0 1px 16px rgba(26,46,90,0.08);
  padding: 0.5rem 0; backdrop-filter: blur(12px);
}
.subpage-nav {
  background: rgba(255,255,255,0.97); box-shadow: 0 1px 16px rgba(26,46,90,0.08);
  padding: 0.5rem 0; backdrop-filter: blur(12px);
}
.subpage-nav .nav-logo { color: var(--indigo-900); }
.subpage-nav .logo-mark-light { display: none; }
.subpage-nav .logo-mark-dark { display: block; }
.subpage-nav .nav-links a:not(.btn) { color: var(--earth-700); }
.subpage-nav .nav-links a:not(.btn):hover { color: var(--indigo-700); }
.subpage-nav .nav-toggle span { background: var(--earth-700); }
.nav-container {
  display: flex; align-items: center; justify-content: space-between; gap: 2rem;
}

/* Logo */
.nav-logo {
  display: flex; align-items: center; gap: 0.65rem;
  font-family: 'Outfit', sans-serif; font-size: 1.05rem; color: #fff;
  font-weight: 500; transition: color 0.3s; text-decoration: none;
}
.nav-logo .logo-mark { width: 40px; height: 40px; flex-shrink: 0; }
.navbar.scrolled .nav-logo { color: var(--indigo-900); }
.navbar.scrolled .logo-mark-light { display: none; }
.navbar.scrolled .logo-mark-dark { display: block; }
.logo-mark-dark { display: none; }
.logo-text { letter-spacing: 0.02em; }
.logo-text strong { font-weight: 800; }

/* Nav links */
.nav-links { display: flex; align-items: center; gap: 1.6rem; }
.nav-links a {
  color: rgba(255,255,255,0.88); font-weight: 500; font-size: 0.9rem;
  font-family: 'Outfit', sans-serif; transition: color 0.2s; position: relative;
}
.nav-links a:not(.btn)::after {
  content: ''; position: absolute; bottom: -4px; left: 0; width: 0; height: 2px;
  background: var(--indigo-400); border-radius: 1px; transition: width 0.25s;
}
.nav-links a:not(.btn):hover::after { width: 100%; }
.navbar.scrolled .nav-links a:not(.btn) { color: var(--earth-700); }
.navbar.scrolled .nav-links a:not(.btn):hover { color: var(--indigo-700); }

/* Active nav link */
.nav-links a.active-nav:not(.btn) { color: var(--indigo-400); }
.navbar.scrolled .nav-links a.active-nav:not(.btn) { color: var(--indigo-700); }
.nav-links a.active-nav:not(.btn)::after { width: 100%; }

/* Mobile toggle */
.nav-toggle {
  display: none; flex-direction: column; gap: 5px;
  background: none; border: none; cursor: pointer; padding: 4px;
}
.nav-toggle span {
  display: block; width: 24px; height: 2px; background: #fff;
  border-radius: 2px; transition: all 0.3s ease;
}
.navbar.scrolled .nav-toggle span { background: var(--earth-700); }

/* ===== HERO ===== */
.hero {
  min-height: 100vh;
  background: linear-gradient(140deg, #0F1E3D 0%, #1A2E5A 25%, #1B4D8E 55%, #2E6AB8 100%);
  display: flex; align-items: center; position: relative; overflow: hidden;
  padding: 7rem 0 6rem;
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background-image:
    radial-gradient(circle at 20% 80%, rgba(74,138,212,0.08) 0%, transparent 50%),
    radial-gradient(circle at 80% 20%, rgba(212,161,46,0.06) 0%, transparent 40%),
    url("data:image/svg+xml,%3Csvg width='80' height='80' viewBox='0 0 80 80' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23ffffff' fill-opacity='0.025'%3E%3Ccircle cx='40' cy='40' r='2'/%3E%3C/g%3E%3C/svg%3E");
}
.hero-overlay {
  position: absolute; inset: 0;
  background: radial-gradient(ellipse at 25% 50%, rgba(74,138,212,0.1) 0%, transparent 60%);
}
.hero-content { position: relative; z-index: 2; max-width: 780px; }

.hero-badge {
  display: inline-flex; align-items: center; gap: 0.5rem;
  background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2);
  color: var(--indigo-400); font-size: 0.78rem; font-weight: 600;
  font-family: 'Outfit', sans-serif; letter-spacing: 0.1em; text-transform: uppercase;
  padding: 0.45rem 1.1rem; border-radius: var(--radius-pill); margin-bottom: 1.75rem;
  backdrop-filter: blur(4px);
}
.hero-badge-dot {
  width: 6px; height: 6px; border-radius: 50%; background: var(--gold-500);
  animation: pulse-dot 2s ease infinite;
}
@keyframes pulse-dot {
  0%, 100% { opacity:1; transform:scale(1); }
  50% { opacity:0.5; transform:scale(1.5); }
}

.hero-title {
  font-family: 'Outfit', sans-serif; font-size: clamp(2.4rem,5.5vw,4rem);
  color: #fff; line-height: 1.1; margin-bottom: 1.5rem; font-weight: 700;
}
.hero-title .accent {
  background: linear-gradient(135deg, var(--indigo-400), var(--gold-400));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text; display: block;
}
.hero-subtitle {
  font-size: clamp(1rem,1.5vw,1.15rem); color: rgba(255,255,255,0.82);
  max-width: 600px; line-height: 1.8; margin-bottom: 2.5rem;
}
.hero-cta { display: flex; flex-wrap: wrap; gap: 1rem; margin-bottom: 4rem; }
.hero-stats { display: flex; align-items: center; gap: 2.5rem; flex-wrap: wrap; }
.hero-stat { display: flex; flex-direction: column; }
.hero-stat-number {
  font-family: 'Outfit', sans-serif; font-size: 2.2rem; font-weight: 800;
  color: #fff; line-height: 1;
}
.hero-stat-number + span {
  font-family: 'Outfit', sans-serif; font-size: 1.6rem; font-weight: 800;
  color: var(--indigo-400); line-height: 1;
}
.hero-stat-label {
  font-size: 0.75rem; color: rgba(255,255,255,0.55); text-transform: uppercase;
  letter-spacing: 0.08em; font-family: 'Outfit', sans-serif; margin-top: 0.35rem;
}
.hero-stat-divider { width: 1px; height: 40px; background: rgba(255,255,255,0.2); }
.hero-wave { position: absolute; bottom: 0; left: 0; right: 0; line-height: 0; }
.hero-wave svg { width: 100%; height: auto; display: block; }

/* Hero floating shapes */
.hero-shapes { position: absolute; inset: 0; overflow: hidden; pointer-events: none; }
.hero-shape {
  position: absolute; border-radius: 50%; opacity: 0.08;
}
.hero-shape--circle {
  width: 320px; height: 320px; background: var(--gold-500);
  top: -60px; right: -80px; animation: heroFloat 8s ease-in-out infinite;
}
.hero-shape--ring {
  width: 200px; height: 200px; border: 4px solid #fff;
  bottom: 100px; left: 5%; animation: heroFloat 10s ease-in-out 1s infinite reverse;
}
.hero-shape--dot {
  width: 80px; height: 80px; background: #fff;
  top: 35%; right: 12%; animation: heroFloat 6s ease-in-out 0.5s infinite;
}
.hero-shape--cross {
  width: 60px; height: 60px; border-radius: 0; background: transparent;
  border: 3px solid var(--gold-400); transform: rotate(45deg);
  bottom: 30%; left: 10%; animation: heroFloat 9s ease-in-out 2s infinite;
}
@keyframes heroFloat {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-18px); }
}

/* ===== ABOUT ===== */
.about-grid {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.75rem; margin-bottom: 3.5rem;
}
.about-card {
  background: var(--white); border: 1px solid var(--earth-200);
  border-radius: var(--radius-lg); padding: 2rem;
  transition: transform 0.3s, box-shadow 0.3s, border-color 0.3s;
  box-shadow: var(--shadow-sm); position: relative; overflow: hidden;
}
.about-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--indigo-700), var(--indigo-400));
  opacity: 0; transition: opacity 0.3s;
}
.about-card:hover {
  transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--indigo-400);
}
.about-card:hover::before { opacity: 1; }

.about-icon {
  width: 3.25rem; height: 3.25rem; border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center; margin-bottom: 1.25rem;
}
.about-icon svg { width: 28px; height: 28px; }
.about-icon-mission { background: var(--indigo-100); color: var(--indigo-700); }
.about-icon-vision { background: var(--gold-100); color: var(--gold-500); }
.about-icon-approach { background: var(--green-100); color: var(--green-600); }

.about-card h3 {
  font-family: 'Outfit', sans-serif; font-size: 1.2rem; font-weight: 700;
  color: var(--indigo-900); margin-bottom: 0.75rem;
}
.about-card p { color: var(--earth-400); line-height: 1.75; }

.about-values { text-align: center; }
.values-title {
  font-family: 'Outfit', sans-serif; font-size: 1.3rem; font-weight: 700;
  color: var(--indigo-900); margin-bottom: 1.5rem;
}
.values-grid { display: flex; justify-content: center; flex-wrap: wrap; gap: 0.75rem; }
.value-item {
  display: flex; align-items: center; gap: 0.7rem;
  background: var(--white); border: 1px solid var(--earth-200);
  border-radius: var(--radius-lg); padding: 0.9rem 1.5rem;
  font-weight: 600; font-family: 'Outfit', sans-serif; color: var(--indigo-900);
  font-size: 0.95rem; transition: border-color 0.2s, box-shadow 0.2s;
}
.value-item:hover { border-color: var(--indigo-400); box-shadow: var(--shadow-md); }
.value-letter {
  width: 2.5rem; height: 2.5rem; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; font-weight: 800; flex-shrink: 0; color: var(--white);
}
.value-letter-e { background: var(--indigo-700); }
.value-letter-p { background: var(--gold-500); }
.value-letter-i { background: var(--green-600); }
.value-letter-c { background: var(--indigo-500); }

/* ===== CRISIS SECTION ===== */
.crisis-grid {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.75rem;
}
.crisis-stat-card {
  background: var(--white); border-radius: var(--radius-lg); padding: 2rem;
  box-shadow: var(--shadow-sm); transition: box-shadow 0.3s, transform 0.3s;
  position: relative; overflow: hidden; border: 1px solid var(--earth-200);
}
.crisis-stat-card::before {
  content: ''; position: absolute; top: 0; left: 0; bottom: 0; width: 4px;
  border-radius: 4px 0 0 4px;
}
.crisis-stat-card:nth-child(1)::before { background: var(--indigo-700); }
.crisis-stat-card:nth-child(2)::before { background: var(--gold-500); }
.crisis-stat-card:nth-child(3)::before { background: var(--green-600); }
.crisis-stat-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); }

.crisis-stat-icon {
  width: 2.75rem; height: 2.75rem; border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center; margin-bottom: 1rem;
}
.crisis-stat-icon svg { width: 22px; height: 22px; }
.crisis-icon-debt { background: var(--indigo-100); color: var(--indigo-700); }
.crisis-icon-uninsured { background: var(--gold-100); color: var(--gold-500); }
.crisis-icon-bankruptcy { background: var(--green-100); color: var(--green-600); }

.crisis-stat-num {
  font-family: 'Outfit', sans-serif; font-size: 2.5rem; font-weight: 800;
  line-height: 1; margin-bottom: 0.6rem;
}
.crisis-stat-card:nth-child(1) .crisis-stat-num { color: var(--indigo-700); }
.crisis-stat-card:nth-child(2) .crisis-stat-num { color: var(--gold-500); }
.crisis-stat-card:nth-child(3) .crisis-stat-num { color: var(--green-600); }
.crisis-stat-card p { color: var(--earth-400); line-height: 1.7; }

/* ===== PROGRAMS ===== */
.programs-grid {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 2rem;
}
.program-card {
  border-radius: var(--radius-xl); overflow: hidden; box-shadow: var(--shadow-md);
  background: var(--white); transition: transform 0.35s, box-shadow 0.35s;
  display: flex; flex-direction: column; border: 1px solid var(--earth-200);
}
.program-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); }

.program-img {
  height: 180px; display: flex; align-items: center; justify-content: center;
  position: relative;
}
.program-img-wallet { background: linear-gradient(135deg, #132B52, var(--indigo-500)); }
.program-img-relief { background: linear-gradient(135deg, #8A6B1A, var(--gold-500)); }

.program-icon-wrap {
  width: 70px; height: 70px; background: rgba(255,255,255,0.15);
  border: 2px solid rgba(255,255,255,0.25); border-radius: 50%;
  display: flex; align-items: center; justify-content: center; backdrop-filter: blur(4px);
}
.program-icon-wrap svg { width: 32px; height: 32px; color: #fff; }

.program-body { padding: 1.75rem; flex: 1; display: flex; flex-direction: column; }
.program-tag {
  display: inline-block; font-size: 0.7rem; font-weight: 700;
  font-family: 'Outfit', sans-serif; text-transform: uppercase; letter-spacing: 0.1em;
  padding: 0.25rem 0.75rem; border-radius: var(--radius-pill);
  margin-bottom: 0.75rem; width: fit-content;
}
.program-tag-indigo { color: var(--indigo-700); background: var(--indigo-100); }
.program-tag-gold { color: var(--gold-600); background: var(--gold-100); }

.program-body h3 {
  font-family: 'Outfit', sans-serif; font-size: 1.35rem; font-weight: 700;
  color: var(--indigo-900); margin-bottom: 0.75rem;
}
.program-body > p { color: var(--earth-400); line-height: 1.75; margin-bottom: 1rem; }

.program-features { display: flex; flex-direction: column; gap: 0.45rem; margin-top: auto; }
.program-features li {
  font-size: 0.88rem; color: var(--earth-700);
  display: flex; align-items: baseline; gap: 0.5rem;
}
.program-features li .check-icon {
  color: var(--indigo-500); flex-shrink: 0; width: 16px; height: 16px; margin-top: 2px;
}

/* ===== HEALTH WALLET BENEFITS ===== */
.benefits-grid {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.75rem;
}
.benefit-card {
  background: var(--white); border: 1px solid var(--earth-200);
  border-radius: var(--radius-xl); padding: 2rem; box-shadow: var(--shadow-sm);
  transition: transform 0.3s, box-shadow 0.3s, border-color 0.3s;
  display: flex; flex-direction: column; gap: 0.75rem;
  position: relative; overflow: hidden;
}
.benefit-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--indigo-700), var(--gold-500));
  transform: scaleX(0); transform-origin: left; transition: transform 0.35s;
}
.benefit-card:hover::before { transform: scaleX(1); }
.benefit-card:hover {
  transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--indigo-400);
}

.benefit-icon-wrap {
  width: 3.25rem; height: 3.25rem; border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
}
.benefit-icon-wrap svg { width: 24px; height: 24px; }
.benefit-icon-save { background: var(--green-100); color: var(--green-600); }
.benefit-icon-track { background: var(--indigo-100); color: var(--indigo-700); }
.benefit-icon-budget { background: var(--gold-100); color: var(--gold-500); }
.benefit-icon-hsa { background: var(--green-100); color: var(--green-600); }
.benefit-icon-bills { background: var(--indigo-100); color: var(--indigo-700); }
.benefit-icon-goals { background: var(--gold-100); color: var(--gold-500); }

.benefit-card h3 {
  font-family: 'Outfit', sans-serif; font-size: 1.25rem; font-weight: 700;
  color: var(--indigo-900);
}
.benefit-card > p { color: var(--earth-400); line-height: 1.75; }

.benefits-stats {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem;
  margin-top: 3rem; padding: 2rem; background: var(--indigo-50);
  border-radius: var(--radius-xl); text-align: center;
}
.benefits-stat-num {
  display: block; font-family: 'Outfit', sans-serif; font-size: 2rem;
  font-weight: 800; color: var(--indigo-700);
}
.benefits-stat-label {
  display: block; font-size: 0.85rem; color: var(--earth-400); margin-top: 0.25rem;
}

.benefits-cta {
  margin-top: 3rem; text-align: center; padding: 2.5rem;
  background: linear-gradient(135deg, var(--indigo-700), var(--indigo-900));
  border-radius: var(--radius-xl); color: var(--white);
}
.benefits-cta h3 {
  font-family: 'Outfit', sans-serif; font-size: 1.5rem; font-weight: 700;
  margin-bottom: 0.75rem;
}
.benefits-cta p { color: rgba(255,255,255,0.85); margin-bottom: 1.5rem; max-width: 600px; margin-inline: auto; }
.benefits-cta .btn { margin: 0 0.5rem; }
.benefits-cta .btn-outline { border-color: rgba(255,255,255,0.4); color: var(--white); }
.benefits-cta .btn-outline:hover { background: rgba(255,255,255,0.15); border-color: var(--white); }

/* ===== FAQ ===== */
.faq-list { max-width: 800px; margin: 0 auto; display: flex; flex-direction: column; gap: 1rem; }
.faq-item {
  background: var(--white); border: 1px solid var(--earth-200);
  border-radius: var(--radius-lg); overflow: hidden;
  transition: border-color 0.3s, box-shadow 0.3s;
}
.faq-item[open] { border-color: var(--indigo-400); box-shadow: var(--shadow-md); }
.faq-question {
  font-family: 'Outfit', sans-serif; font-size: 1.05rem; font-weight: 600;
  color: var(--indigo-900); padding: 1.25rem 1.5rem; cursor: pointer;
  list-style: none; display: flex; align-items: center; justify-content: space-between;
  transition: background 0.2s;
}
.faq-question:hover { background: var(--indigo-50); }
.faq-question::-webkit-details-marker { display: none; }
.faq-question::after {
  content: '+'; font-size: 1.4rem; font-weight: 300; color: var(--indigo-500);
  transition: transform 0.3s;
}
.faq-item[open] .faq-question::after { content: '−'; }
.faq-answer { padding: 0 1.5rem 1.25rem; }
.faq-answer p { color: var(--earth-400); line-height: 1.8; }

/* ===== CONTACT ===== */
.contact-grid {
  display: grid; grid-template-columns: 1fr 1.5fr; gap: 3rem; align-items: start;
}
.contact-info h3 {
  font-family: 'Outfit', sans-serif; font-size: 1.3rem; font-weight: 700;
  color: var(--indigo-900); margin-bottom: 1.5rem;
}
.contact-item {
  display: flex; gap: 1rem; margin-bottom: 1.5rem; align-items: flex-start;
}
.contact-item-icon {
  width: 2.5rem; height: 2.5rem; border-radius: var(--radius-md);
  background: var(--indigo-100); color: var(--indigo-700);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.contact-item-icon svg { width: 18px; height: 18px; }
.contact-item strong {
  display: block; font-family: 'Outfit', sans-serif; font-weight: 600;
  color: var(--indigo-900); margin-bottom: 0.2rem;
}
.contact-item p, .contact-item a { color: var(--earth-400); font-size: 0.95rem; }
.contact-item a:hover { color: var(--indigo-700); }

.social-links { display: flex; gap: 0.6rem; margin-top: 1.5rem; }
.social-link {
  width: 2.5rem; height: 2.5rem; border-radius: 50%;
  background: var(--indigo-100); color: var(--indigo-700);
  display: flex; align-items: center; justify-content: center;
  transition: all 0.25s; border: 1px solid transparent;
}
.social-link:hover {
  background: var(--indigo-700); color: #fff; transform: translateY(-3px);
  box-shadow: 0 4px 12px rgba(27,77,142,0.3);
}

.contact-form {
  background: var(--white); border: 1px solid var(--earth-200);
  border-radius: var(--radius-xl); padding: 2.5rem; box-shadow: var(--shadow-md);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form-group { display: flex; flex-direction: column; gap: 0.4rem; margin-bottom: 1.25rem; }
.form-group label {
  font-weight: 500; font-size: 0.88rem; color: var(--earth-700);
  font-family: 'Outfit', sans-serif;
}
.form-group label span { color: var(--gold-500); }
.form-group input, .form-group select, .form-group textarea {
  padding: 0.7rem 0.9rem; border: 1.5px solid var(--earth-200);
  border-radius: var(--radius-md); font-size: 0.95rem; font-family: 'DM Sans', sans-serif;
  color: var(--indigo-900); background: var(--earth-50);
  transition: border-color 0.2s, box-shadow 0.2s, background 0.2s; outline: none;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  border-color: var(--indigo-700); box-shadow: 0 0 0 3px rgba(27,77,142,0.1);
  background: var(--white);
}
.form-group input.error, .form-group select.error, .form-group textarea.error {
  border-color: #ef4444;
}
.form-group textarea { resize: vertical; min-height: 110px; }

.form-success {
  margin-top: 1rem; padding: 0.75rem 1rem; border-radius: var(--radius-md);
  font-size: 0.9rem; font-weight: 500; display: none;
}
.form-success.show {
  display: block; background: var(--indigo-100); color: var(--indigo-900);
  border: 1px solid var(--indigo-400);
}
.form-success.error-msg {
  display: block; background: #fef2f2; color: #dc2626; border: 1px solid #fca5a5;
}

/* ===== FOOTER ===== */
.footer { background: var(--earth-800); color: var(--earth-200); padding-top: 4rem; }
.footer-grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 2.5rem;
  padding-bottom: 3rem; border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-logo { margin-bottom: 1rem; }
.footer-logo .logo-text { color: #fff !important; }
.footer-brand p {
  font-size: 0.88rem; line-height: 1.65; max-width: 290px;
  margin-top: 0.5rem; color: var(--earth-200);
}
.footer-links h4 {
  color: #fff; font-family: 'Outfit', sans-serif; font-weight: 600;
  font-size: 0.95rem; margin-bottom: 1rem;
}
.footer-links ul { display: flex; flex-direction: column; gap: 0.6rem; }
.footer-links a {
  font-size: 0.88rem; color: var(--earth-200); transition: color 0.2s;
}
.footer-links a:hover { color: var(--indigo-400); }
.footer-bottom { padding: 1.5rem 0; }
.footer-bottom .container {
  display: flex; justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 0.5rem;
}
.footer-bottom p { font-size: 0.82rem; color: var(--earth-400); }
.footer-tagline { font-style: italic; color: var(--indigo-400); }

/* ===== BACK TO TOP ===== */
.back-to-top {
  position: fixed; bottom: 2rem; right: 2rem; z-index: 999;
  width: 3rem; height: 3rem; border-radius: 50%;
  background: var(--indigo-700); color: #fff; font-size: 1.2rem; border: none;
  cursor: pointer; display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow-glow); opacity: 0; pointer-events: none;
  transform: translateY(10px); transition: all 0.3s;
}
.back-to-top.visible { opacity: 1; pointer-events: auto; transform: translateY(0); }
.back-to-top:hover { background: var(--indigo-900); transform: translateY(-3px); }

/* ===== ANIMATIONS ===== */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(24px); }
  to { opacity: 1; transform: translateY(0); }
}
.hero-badge { animation: fadeInUp 0.6s ease 0.1s both; }
.hero-title { animation: fadeInUp 0.6s ease 0.25s both; }
.hero-subtitle { animation: fadeInUp 0.6s ease 0.4s both; }
.hero-cta { animation: fadeInUp 0.6s ease 0.55s both; }
.hero-stats { animation: fadeInUp 0.6s ease 0.7s both; }

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
}

@media (max-width: 900px) {
  .contact-grid { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  .section-pad { padding: 4rem 0; }

  .nav-toggle { display: flex; }
  .nav-links {
    position: fixed; top: 0; right: -100%; width: min(320px,85vw); height: 100vh;
    background: var(--indigo-900); flex-direction: column; align-items: flex-start;
    padding: 5rem 2rem 2rem; gap: 0.5rem; transition: right 0.35s;
    box-shadow: -4px 0 24px rgba(0,0,0,0.3); overflow-y: auto;
  }
  .nav-links.open { right: 0; }
  .nav-links a {
    color: rgba(255,255,255,0.9) !important; font-size: 1rem;
    padding: 0.5rem 0; width: 100%; border-bottom: 1px solid rgba(255,255,255,0.08);
  }
  .btn-nav { width: 100%; margin-top: 1rem; justify-content: center; }

  .hero-stats { gap: 1.2rem; }
  .hero-stat-number { font-size: 1.6rem; }

  .programs-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-brand { grid-column: auto; }
  .footer-bottom .container { flex-direction: column; text-align: center; }
}

@media (max-width: 480px) {
  .hero-cta { flex-direction: column; }
  .hero-cta .btn { width: 100%; }
  .hero-stat-divider { display: none; }
  .benefits-grid { grid-template-columns: 1fr; }
  .benefits-stats { grid-template-columns: 1fr 1fr; }
  .contact-form { padding: 1.5rem; }
  .values-grid { flex-direction: column; align-items: center; }
}

/* ===== SCROLL REVEAL ===== */
.reveal {
  opacity: 0; transform: translateY(30px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.reveal.visible { opacity: 1; transform: translateY(0); }

.contact-info.reveal {
  transform: translateX(-40px) translateY(0);
  transition: opacity 0.8s cubic-bezier(0.16, 1, 0.3, 1), transform 0.8s cubic-bezier(0.16, 1, 0.3, 1);
}
.contact-info.reveal.visible { opacity: 1; transform: translateX(0) translateY(0); }

.contact-form.reveal {
  transform: translateX(40px) translateY(0) scale(0.97);
  transition: opacity 0.8s cubic-bezier(0.16, 1, 0.3, 1) 0.15s,
              transform 0.8s cubic-bezier(0.16, 1, 0.3, 1) 0.15s,
              box-shadow 0.4s ease;
}
.contact-form.reveal.visible {
  opacity: 1; transform: translateX(0) translateY(0) scale(1);
  box-shadow: var(--shadow-md), 0 8px 30px rgba(27,77,142,0.08);
}

.contact-item.reveal {
  transform: translateX(-20px) translateY(0);
  transition: opacity 0.5s cubic-bezier(0.16, 1, 0.3, 1), transform 0.5s cubic-bezier(0.16, 1, 0.3, 1);
}
.contact-item.reveal.visible { opacity: 1; transform: translateX(0) translateY(0); }

.social-links.reveal {
  transform: translateY(15px);
  transition: opacity 0.6s cubic-bezier(0.16, 1, 0.3, 1), transform 0.6s cubic-bezier(0.16, 1, 0.3, 1);
}
.social-links.reveal.visible { opacity: 1; transform: translateY(0); }

/* ===== SUBPAGE SHARED STYLES ===== */
.page-hero {
  background: linear-gradient(140deg, #0F1E3D 0%, #1A2E5A 25%, #1B4D8E 55%, #2E6AB8 100%);
  padding: 8rem 0 4rem; position: relative; overflow: hidden;
}
.page-hero::before {
  content: ''; position: absolute; inset: 0;
  background-image:
    radial-gradient(circle at 20% 80%, rgba(74,138,212,0.08) 0%, transparent 50%),
    radial-gradient(circle at 80% 20%, rgba(212,161,46,0.06) 0%, transparent 40%);
}
.page-hero .container { position: relative; z-index: 2; }
.page-hero-tag {
  display: inline-flex; align-items: center; gap: 0.5rem;
  background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2);
  color: var(--indigo-400); font-size: 0.78rem; font-weight: 600;
  font-family: 'Outfit', sans-serif; letter-spacing: 0.1em; text-transform: uppercase;
  padding: 0.45rem 1.1rem; border-radius: var(--radius-pill); margin-bottom: 1.25rem;
}
.page-hero h1 {
  font-family: 'Outfit', sans-serif; font-size: clamp(2rem, 4vw, 3rem);
  color: #fff; font-weight: 700; line-height: 1.15; margin-bottom: 1rem;
}
.page-hero p {
  color: rgba(255,255,255,0.82); font-size: clamp(1rem, 1.4vw, 1.1rem);
  max-width: 640px; line-height: 1.75;
}
.page-hero .breadcrumb {
  display: flex; align-items: center; gap: 0.5rem; margin-bottom: 1.5rem;
  font-size: 0.85rem; font-family: 'Outfit', sans-serif;
}
.page-hero .breadcrumb a { color: rgba(255,255,255,0.6); }
.page-hero .breadcrumb a:hover { color: #fff; }
.page-hero .breadcrumb span { color: rgba(255,255,255,0.4); }
.page-hero .breadcrumb .current { color: rgba(255,255,255,0.9); }

.page-content { padding: 4rem 0; }
.page-content .container { max-width: 960px; }
.page-content h2 {
  font-family: 'Outfit', sans-serif; font-size: clamp(1.5rem, 2.5vw, 2rem);
  color: var(--indigo-900); font-weight: 700; margin-bottom: 1rem; line-height: 1.25;
}
.page-content h3 {
  font-family: 'Outfit', sans-serif; font-size: 1.2rem;
  color: var(--indigo-900); font-weight: 700; margin-bottom: 0.75rem;
}
.page-content p {
  color: var(--earth-400); line-height: 1.8; margin-bottom: 1.25rem;
}
.page-content ul, .page-content ol { margin-bottom: 1.25rem; padding-left: 1.25rem; }
.page-content li {
  color: var(--earth-400); line-height: 1.8; margin-bottom: 0.4rem;
  list-style: disc;
}
.page-content ol li { list-style: decimal; }

.page-content .content-grid {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 1.5rem;
  margin-bottom: 3rem;
}
.page-content .content-card {
  background: var(--white); border: 1px solid var(--earth-200);
  border-radius: var(--radius-lg); padding: 2rem; box-shadow: var(--shadow-sm);
  transition: transform 0.3s, box-shadow 0.3s;
}
.page-content .content-card:hover {
  transform: translateY(-4px); box-shadow: var(--shadow-md);
}
.page-content .content-card h3 {
  position: relative; padding-left: 1rem;
}
.page-content .content-card h3::before {
  content: ''; position: absolute; left: 0; top: 0.15em; bottom: 0.15em;
  width: 3px; border-radius: 3px;
  background: linear-gradient(180deg, var(--indigo-700), var(--gold-500));
}
.page-content .highlight-box {
  background: var(--indigo-100); border-left: 4px solid var(--indigo-700);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  padding: 1.5rem 2rem; margin-bottom: 2rem;
  position: relative; overflow: hidden;
}
.page-content .highlight-box::after {
  content: '\201C'; position: absolute; top: -0.6rem; right: 1rem;
  font-size: 6rem; font-family: Georgia, serif; color: var(--indigo-400);
  opacity: 0.15; line-height: 1;
}
.page-content .highlight-box p { color: var(--indigo-900); margin-bottom: 0; }

.page-cta {
  background: linear-gradient(135deg, var(--indigo-900), var(--indigo-700));
  border-radius: var(--radius-xl);
  padding: 3rem; text-align: center; margin-top: 3rem;
}
.page-cta h2 { color: #fff; margin-bottom: 0.75rem; }
.page-cta p { color: var(--indigo-100); }

@media (max-width: 768px) {
  .page-content .content-grid { grid-template-columns: 1fr; }
}

/* ===== HOW IT WORKS ===== */
.steps-grid {
  display: flex; align-items: flex-start; justify-content: center;
  gap: 0; max-width: 1000px; margin: 0 auto;
}
.step-card {
  flex: 1; text-align: center; padding: 2rem 1.5rem; position: relative;
  background: #fff; border-radius: var(--radius-lg); box-shadow: var(--shadow-sm);
  transition: transform 0.3s, box-shadow 0.3s;
}
.step-card:hover {
  transform: translateY(-6px); box-shadow: var(--shadow-lg);
}
.step-number {
  display: inline-flex; align-items: center; justify-content: center;
  width: 44px; height: 44px; border-radius: 50%; font-family: var(--font-heading);
  font-weight: 700; font-size: 1.2rem; background: var(--indigo-700); color: #fff;
  margin-bottom: 1rem;
}
.step-icon {
  width: 48px; height: 48px; margin: 0 auto 1rem; color: var(--gold-500);
}
.step-icon svg { width: 100%; height: 100%; }
.step-card h3 { font-size: 1.15rem; margin-bottom: 0.5rem; color: var(--indigo-900); }
.step-card p { font-size: 0.92rem; color: var(--earth-700); line-height: 1.65; }
.step-connector {
  display: flex; align-items: center; padding-top: 3.5rem; width: 56px; flex-shrink: 0;
}
.step-connector svg { width: 100%; }

@media (max-width: 768px) {
  .steps-grid { flex-direction: column; gap: 1.5rem; align-items: stretch; }
  .step-connector { display: none; }
}

/* ===== TESTIMONIALS ===== */
.testimonials-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 2rem; max-width: 1100px; margin: 0 auto;
}
.testimonial-card {
  background: var(--earth-50); border-radius: var(--radius-lg); padding: 2rem;
  border: 1px solid var(--earth-200); transition: transform 0.3s, box-shadow 0.3s;
  display: flex; flex-direction: column;
}
.testimonial-card:hover {
  transform: translateY(-4px); box-shadow: var(--shadow-md);
}
.testimonial-card--featured {
  background: var(--indigo-700); color: #fff;
  border-color: var(--indigo-700); box-shadow: var(--shadow-lg);
}
.testimonial-card--featured .testimonial-quote,
.testimonial-card--featured .testimonial-name { color: #fff; }
.testimonial-card--featured .testimonial-role { color: var(--indigo-100); }
.testimonial-card--featured .testimonial-stars { color: var(--gold-400); }
.testimonial-stars {
  color: var(--gold-500); font-size: 1.1rem; letter-spacing: 2px; margin-bottom: 1rem;
}
.testimonial-quote {
  font-size: 0.95rem; line-height: 1.75; color: var(--earth-800);
  flex: 1; margin-bottom: 1.5rem;
}
.testimonial-author {
  display: flex; align-items: center; gap: 0.75rem; margin-top: auto;
}
.testimonial-avatar {
  width: 44px; height: 44px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 0.85rem; font-family: var(--font-heading);
  background: var(--indigo-100); color: var(--indigo-700); flex-shrink: 0;
}
.testimonial-card--featured .testimonial-avatar {
  background: rgba(255,255,255,0.2); color: #fff;
}
.testimonial-name { font-weight: 600; font-size: 0.95rem; color: var(--indigo-900); }
.testimonial-role { font-size: 0.82rem; color: var(--earth-400); }

@media (max-width: 768px) {
  .testimonials-grid { grid-template-columns: 1fr; }
}

/* ===== NEWSLETTER ===== */
.newsletter { background: var(--indigo-900); }
.newsletter-inner {
  text-align: center; max-width: 600px; margin: 0 auto;
}
.newsletter-title {
  font-size: 1.8rem; color: #fff; margin-bottom: 0.75rem;
}
.newsletter-text {
  color: var(--indigo-100); font-size: 1.05rem; margin-bottom: 2rem; line-height: 1.7;
}
.newsletter-form {
  display: flex; gap: 0.75rem; max-width: 480px; margin: 0 auto 1rem;
}
.newsletter-input {
  flex: 1; padding: 0.8rem 1.2rem; border-radius: var(--radius-pill);
  border: 2px solid transparent; font-size: 0.95rem; font-family: var(--font-body);
  outline: none; transition: border-color 0.2s;
}
.newsletter-input:focus { border-color: var(--gold-500); }
.newsletter-btn {
  flex-shrink: 0; border-radius: var(--radius-pill); padding: 0.8rem 1.8rem;
}
.newsletter-disclaimer {
  font-size: 0.8rem; color: var(--indigo-400); margin-top: 0.5rem;
}

@media (max-width: 480px) {
  .newsletter-form { flex-direction: column; }
  .newsletter-btn { width: 100%; }
}