/* ============================================================
   DOUBLEMYINTEREST.COM — Master Stylesheet
   Aesthetic: Refined luxury-editorial / Dark financial authority
   Fonts: Cormorant Garamond (serif display) + Jost (sans body)
   ============================================================ */

:root {
  --navy:       #0a0f1e;
  --navy-mid:   #111827;
  --navy-light: #1e2a3e;
  --gold:       #c9a84c;
  --gold-light: #e0bc74;
  --gold-pale:  #f5e8c8;
  --cream:      #f9f5ee;
  --text:       #e8e4dc;
  --text-muted: #9aa3b2;
  --border:     rgba(201,168,76,0.18);
  --border-light: rgba(255,255,255,0.08);
  --shadow:     0 24px 80px rgba(0,0,0,0.45);
  --font-display: 'Cormorant Garamond', Georgia, serif;
  --font-body:    'Jost', 'Helvetica Neue', sans-serif;
  --max-w: 1200px;
  --nav-h: 72px;
}

/* RESET */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  background: var(--navy);
  color: var(--text);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.7;
  overflow-x: hidden;
}
img { display: block; max-width: 100%; }
a { color: var(--gold); text-decoration: none; transition: color .2s; }
a:hover { color: var(--gold-light); }
ul { list-style: none; }

/* ============================================================ NAVIGATION */
.nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  height: var(--nav-h);
  background: rgba(10,15,30,0.85);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--border);
  transition: background .3s;
}
.nav.scrolled { background: rgba(10,15,30,0.97); }
.nav-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 2rem;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
}
.nav-logo {
  display: flex; align-items: center; gap: 0.6rem;
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-weight: 500;
  letter-spacing: 0.04em;
  color: var(--cream);
}
.nav-logo:hover { color: var(--gold-light); }
.logo-mark { color: var(--gold); font-size: 1rem; }
.nav-links {
  display: flex; align-items: center; gap: 2rem;
  list-style: none;
}
.nav-links a {
  font-size: 0.8rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-weight: 500;
  color: var(--text-muted);
  transition: color .2s;
}
.nav-links a:hover, .nav-links a.active { color: var(--cream); }
.nav-cta {
  padding: 0.45rem 1.1rem !important;
  border: 1px solid var(--gold) !important;
  border-radius: 2px;
  color: var(--gold) !important;
  font-size: 0.75rem !important;
}
.nav-cta:hover { background: var(--gold); color: var(--navy) !important; }
.nav-toggle {
  display: none; flex-direction: column; gap: 5px;
  background: none; border: none; cursor: pointer; padding: 4px;
}
.nav-toggle span {
  display: block; width: 22px; height: 1.5px;
  background: var(--text); transition: all .3s;
}

/* ============================================================ HERO */
.hero {
  min-height: 100vh;
  display: flex; flex-direction: column;
  justify-content: center; align-items: center;
  position: relative;
  padding: calc(var(--nav-h) + 4rem) 2rem 10rem;
  text-align: center;
  overflow: hidden;
}
.hero-bg {
  position: absolute; inset: 0; z-index: 0;
}
.hero-orb {
  position: absolute; border-radius: 50%;
  filter: blur(80px); opacity: 0.18;
  animation: pulse 8s ease-in-out infinite alternate;
}
.hero-orb-1 {
  width: 600px; height: 600px;
  background: radial-gradient(circle, #c9a84c, transparent 70%);
  top: -100px; left: -100px;
}
.hero-orb-2 {
  width: 500px; height: 500px;
  background: radial-gradient(circle, #2a4a7f, transparent 70%);
  bottom: -50px; right: -50px;
  animation-delay: -4s;
}
@keyframes pulse {
  0% { transform: scale(1); opacity: .12; }
  100% { transform: scale(1.15); opacity: .22; }
}
.grid-overlay {
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(201,168,76,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,168,76,0.04) 1px, transparent 1px);
  background-size: 60px 60px;
}
.hero-content { position: relative; z-index: 1; max-width: 780px; }
.hero-eyebrow {
  font-family: var(--font-body);
  font-size: 0.72rem;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.5rem;
}
.hero-headline {
  font-family: var(--font-display);
  font-size: clamp(3.5rem, 8vw, 7rem);
  font-weight: 300;
  line-height: 1.0;
  color: var(--cream);
  letter-spacing: -0.01em;
  margin-bottom: 1.8rem;
}
.hero-headline em {
  font-style: italic;
  color: var(--gold);
}
.hero-sub {
  font-size: 1.05rem;
  color: var(--text-muted);
  max-width: 580px;
  margin: 0 auto 2.5rem;
  line-height: 1.8;
}
.hero-actions {
  display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap;
  margin-bottom: 5rem;
}
.hero-stats {
  position: relative; z-index: 1;
  display: flex; align-items: center; gap: 2rem;
  background: rgba(255,255,255,0.04);
  border: 1px solid var(--border);
  border-radius: 4px;
  padding: 1.8rem 3rem;
  backdrop-filter: blur(8px);
  flex-wrap: wrap;
  justify-content: center;
}
.stat-card { text-align: center; }
.stat-number {
  display: block;
  font-family: var(--font-display);
  font-size: 2.8rem;
  font-weight: 500;
  color: var(--gold);
  line-height: 1;
}
.stat-label {
  display: block;
  font-size: 0.7rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-top: 0.4rem;
}
.stat-divider {
  width: 1px; height: 50px;
  background: var(--border);
}
.scroll-indicator {
  position: absolute; bottom: 2.5rem; left: 50%; transform: translateX(-50%);
  display: flex; flex-direction: column; align-items: center; gap: 0.5rem;
  font-size: 0.65rem; letter-spacing: 0.2em; text-transform: uppercase;
  color: var(--text-muted); z-index: 1;
}
.scroll-line {
  width: 1px; height: 40px;
  background: linear-gradient(to bottom, var(--gold), transparent);
  animation: scrollAnim 2s ease-in-out infinite;
}
@keyframes scrollAnim {
  0%, 100% { opacity: 0.4; transform: scaleY(1); }
  50% { opacity: 1; transform: scaleY(1.2); }
}

/* ============================================================ BUTTONS */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 0.8rem 2rem;
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  border-radius: 2px;
  border: 1px solid transparent;
  cursor: pointer;
  transition: all .25s;
  text-decoration: none;
}
.btn-primary {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}
.btn-primary:hover {
  background: var(--gold-light);
  border-color: var(--gold-light);
  color: var(--navy);
  transform: translateY(-1px);
  box-shadow: 0 8px 24px rgba(201,168,76,0.3);
}
.btn-ghost {
  background: transparent;
  color: var(--cream);
  border-color: rgba(255,255,255,0.25);
}
.btn-ghost:hover {
  border-color: var(--cream);
  color: var(--cream);
  transform: translateY(-1px);
}
.btn-gold { background: var(--gold); color: var(--navy); border-color: var(--gold); }
.btn-gold:hover { background: var(--gold-light); color: var(--navy); transform: translateY(-1px); }
.btn-outline-light {
  background: transparent; color: var(--cream);
  border-color: rgba(255,255,255,0.35);
}
.btn-outline-light:hover { border-color: var(--cream); color: var(--cream); }
.btn-full { width: 100%; }
.btn-sm { padding: 0.55rem 1.2rem; font-size: 0.72rem; }

/* ============================================================ SECTIONS */
.section { padding: 6rem 0; }
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 2rem; }
.container.narrow { max-width: 820px; }
.section-eyebrow {
  font-size: 0.68rem;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1rem;
  display: block;
}
.section-eyebrow.center { text-align: center; }
.section-title {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 3.2rem);
  font-weight: 300;
  color: var(--cream);
  line-height: 1.15;
  margin-bottom: 1.5rem;
}
.section-title.center { text-align: center; }
.section-title.light { color: var(--cream); }
.body-text {
  color: var(--text-muted);
  font-size: 1rem;
  line-height: 1.85;
  margin-bottom: 1.2rem;
}
.body-text.light { color: rgba(232,228,220,0.8); }
.body-text.center-text { text-align: center; }
.body-text strong { color: var(--cream); font-weight: 500; }
.text-link {
  font-size: 0.82rem; letter-spacing: 0.1em;
  color: var(--gold); font-weight: 500;
  text-transform: uppercase;
  border-bottom: 1px solid transparent;
  transition: border-color .2s;
}
.text-link:hover { border-color: var(--gold); color: var(--gold); }

/* ============================================================ INTRO */
.intro { background: var(--navy-mid); }
.intro-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 5rem; align-items: center;
}
.feature-cards {
  display: grid; grid-template-columns: 1fr 1fr; gap: 1rem;
}
.feature-card {
  background: rgba(255,255,255,0.03);
  border: 1px solid var(--border);
  border-radius: 4px;
  padding: 1.5rem;
  transition: border-color .3s, transform .3s;
}
.feature-card:hover {
  border-color: var(--gold);
  transform: translateY(-3px);
}
.fc-icon {
  font-size: 1.2rem; color: var(--gold);
  margin-bottom: 0.75rem;
}
.feature-card h3 {
  font-family: var(--font-display);
  font-size: 1.15rem; font-weight: 500;
  color: var(--cream);
  margin-bottom: 0.5rem;
}
.feature-card p { font-size: 0.88rem; color: var(--text-muted); line-height: 1.6; }

/* ============================================================ TERMS BANNER */
.terms-banner { background: var(--navy); }
.terms-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 2rem; margin-top: 3rem;
}
.term-block {
  padding: 2rem;
  border: 1px solid var(--border);
  border-radius: 4px;
  background: rgba(255,255,255,0.02);
  transition: border-color .3s;
}
.term-block:hover { border-color: rgba(201,168,76,0.4); }
.term-icon { font-size: 1.2rem; color: var(--gold); margin-bottom: 1rem; }
.term-block h4 {
  font-family: var(--font-display);
  font-size: 1.15rem; font-weight: 500;
  color: var(--cream); margin-bottom: 0.6rem;
}
.term-block p { font-size: 0.88rem; color: var(--text-muted); line-height: 1.65; }

/* ============================================================ MARKET */
.market { background: var(--navy-mid); }
.market-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 5rem; align-items: center;
}
.market-graphic {
  position: relative;
  background: rgba(255,255,255,0.02);
  border: 1px solid var(--border);
  border-radius: 4px;
  height: 380px;
  overflow: hidden;
  display: flex; align-items: center; justify-content: center;
}
.market-bg-text {
  position: absolute;
  font-family: var(--font-display);
  font-size: 7rem; font-weight: 600;
  color: rgba(201,168,76,0.05);
  letter-spacing: 0.3em;
  user-select: none;
}
.map-pin {
  position: absolute;
  display: flex; align-items: center; gap: 0.5rem;
}
.pin-balt { top: 30%; left: 25%; }
.pin-dc { bottom: 30%; right: 22%; }
.pin-dot {
  display: block; width: 14px; height: 14px;
  border-radius: 50%;
  background: var(--gold);
  box-shadow: 0 0 0 4px rgba(201,168,76,0.2), 0 0 0 8px rgba(201,168,76,0.1);
  animation: pinPulse 2s ease-in-out infinite;
}
@keyframes pinPulse {
  0%, 100% { box-shadow: 0 0 0 4px rgba(201,168,76,0.2), 0 0 0 8px rgba(201,168,76,0.1); }
  50%       { box-shadow: 0 0 0 6px rgba(201,168,76,0.3), 0 0 0 14px rgba(201,168,76,0.07); }
}
.pin-label {
  font-size: 0.72rem; letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--cream); font-weight: 500;
}
.map-connector {
  position: absolute;
  top: 50%; left: 50%; transform: translate(-50%, -50%);
  width: 1px; height: 80px;
  background: linear-gradient(to bottom, var(--gold), transparent);
  rotate: 30deg;
}
.market-points { margin-top: 1.5rem; }
.market-points li {
  display: flex; align-items: center; gap: 0.75rem;
  font-size: 0.9rem; color: var(--text-muted);
  padding: 0.5rem 0;
  border-bottom: 1px solid var(--border-light);
}
.point-marker { color: var(--gold); font-size: 1.2rem; }

/* ============================================================ CTA SECTION */
.cta-section {
  background: var(--navy-light);
  padding: 0;
  position: relative;
  overflow: hidden;
}
.cta-inner {
  max-width: var(--max-w); margin: 0 auto;
  padding: 7rem 2rem;
  text-align: center;
  position: relative; z-index: 1;
}
.cta-orb {
  position: absolute; top: -200px; left: 50%; transform: translateX(-50%);
  width: 700px; height: 700px; border-radius: 50%;
  background: radial-gradient(circle, rgba(201,168,76,0.1), transparent 70%);
  pointer-events: none;
}
.cta-title {
  font-family: var(--font-display);
  font-size: clamp(2.5rem, 5vw, 4rem);
  font-weight: 300;
  color: var(--cream);
  line-height: 1.15;
  margin-bottom: 1.2rem;
}
.cta-sub {
  color: var(--text-muted); font-size: 1rem; max-width: 520px;
  margin: 0 auto 2.5rem;
}
.cta-actions {
  display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap;
}

/* ============================================================ DISCLAIMER BAR */
.disclaimer-bar {
  background: rgba(0,0,0,0.4);
  border-top: 1px solid var(--border);
  padding: 2rem 0;
}
.disclaimer-bar p {
  font-size: 0.75rem;
  color: var(--text-muted);
  line-height: 1.7;
}
.disclaimer-bar strong { color: rgba(232,228,220,0.7); }
.disclaimer-bar a { color: var(--gold); font-size: inherit; }

/* ============================================================ FOOTER */
.footer {
  background: var(--navy);
  border-top: 1px solid var(--border);
  padding: 4rem 0 0;
}
.footer-grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 3rem; padding-bottom: 3rem;
}
.footer-brand .nav-logo { margin-bottom: 1rem; }
.footer-tagline { font-size: 0.82rem; color: var(--text-muted); line-height: 1.7; }
.footer-links h5, .footer-contact h5 {
  font-size: 0.65rem; letter-spacing: 0.2em; text-transform: uppercase;
  color: var(--gold); margin-bottom: 1.2rem;
}
.footer-links ul li { margin-bottom: 0.6rem; }
.footer-links ul li a {
  font-size: 0.85rem; color: var(--text-muted);
  transition: color .2s;
}
.footer-links ul li a:hover { color: var(--cream); }
.footer-contact p { font-size: 0.82rem; color: var(--text-muted); margin-bottom: 1.2rem; line-height: 1.7; }
.footer-bottom {
  border-top: 1px solid var(--border);
  padding: 1.5rem 0;
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 0.5rem;
}
.footer-bottom p { font-size: 0.73rem; color: var(--text-muted); }

/* ============================================================ PAGE HERO */
.page-hero {
  padding: calc(var(--nav-h) + 5rem) 2rem 5rem;
  position: relative; overflow: hidden;
  border-bottom: 1px solid var(--border);
}
.page-hero-sm { padding-bottom: 3.5rem; }
.page-hero-bg {
  position: absolute; inset: 0; z-index: 0;
  background: linear-gradient(135deg, rgba(201,168,76,0.05) 0%, transparent 60%);
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero-title {
  font-family: var(--font-display);
  font-size: clamp(2.8rem, 6vw, 5rem);
  font-weight: 300;
  color: var(--cream);
  line-height: 1.1;
  margin-bottom: 1.2rem;
}
.page-hero-sub {
  font-size: 1rem; color: var(--text-muted);
  max-width: 560px; line-height: 1.8;
}

/* ============================================================ HOW IT WORKS */
.steps-layout { margin-top: 4rem; }
.step-item {
  display: flex; gap: 3rem; align-items: flex-start;
  padding: 3rem 0;
  border-bottom: 1px solid var(--border);
}
.step-item:last-child { border-bottom: none; }
.step-number {
  font-family: var(--font-display);
  font-size: 3.5rem; font-weight: 300;
  color: rgba(201,168,76,0.25);
  line-height: 1;
  min-width: 80px;
  flex-shrink: 0;
  margin-top: -0.2rem;
}
.step-content h3 {
  font-family: var(--font-display);
  font-size: 1.5rem; font-weight: 500;
  color: var(--cream);
  margin-bottom: 0.75rem;
}
.step-content p { font-size: 0.95rem; color: var(--text-muted); line-height: 1.8; }

/* RATE SECTION */
.rate-section { background: var(--navy-light); }
.rate-card {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 4rem; align-items: center;
  background: rgba(255,255,255,0.02);
  border: 1px solid var(--border);
  border-radius: 4px;
  padding: 4rem;
}
.rate-display {
  background: rgba(0,0,0,0.25);
  border: 1px solid var(--border);
  border-radius: 4px;
  padding: 2.5rem;
  text-align: center;
}
.rate-item { margin-bottom: 0.5rem; }
.rate-label {
  display: block;
  font-size: 0.7rem; letter-spacing: 0.15em; text-transform: uppercase;
  color: var(--text-muted); margin-bottom: 0.3rem;
}
.rate-value {
  display: block;
  font-family: var(--font-display);
  font-size: 3rem; font-weight: 400;
  color: var(--cream);
}
.rate-value.gold { color: var(--gold); }
.rate-multiplier {
  font-family: var(--font-display);
  font-size: 2rem; color: var(--gold);
  margin: 0.5rem 0;
}
.rate-item.highlighted {
  padding-top: 1rem;
  border-top: 1px solid var(--border);
  margin-top: 0.5rem;
}
.rate-note { font-size: 0.75rem; color: var(--text-muted); margin-top: 1rem; }

/* PROTECTION */
.protection { background: var(--navy-mid); }
.protection-grid {
  display: grid; grid-template-columns: repeat(2, 1fr);
  gap: 2rem; margin-top: 3rem;
}
.protection-card {
  border: 1px solid var(--border);
  border-radius: 4px;
  padding: 2rem;
  background: rgba(255,255,255,0.02);
  transition: border-color .3s;
}
.protection-card:hover { border-color: rgba(201,168,76,0.35); }
.protection-icon {
  font-family: var(--font-display);
  font-size: 1rem; color: var(--gold);
  letter-spacing: 0.2em;
  margin-bottom: 1rem;
}
.protection-card h4 {
  font-family: var(--font-display);
  font-size: 1.2rem; font-weight: 500;
  color: var(--cream); margin-bottom: 0.75rem;
}
.protection-card p { font-size: 0.88rem; color: var(--text-muted); line-height: 1.7; }

/* ============================================================ CONTACT */
.contact-section { background: var(--navy-mid); }
.contact-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 5rem; align-items: flex-start;
}
.privacy-pledge {
  display: flex; gap: 1rem; align-items: flex-start;
  background: rgba(201,168,76,0.06);
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: 4px;
  padding: 1.5rem;
  margin: 2rem 0;
}
.pledge-icon { font-size: 1.5rem; flex-shrink: 0; }
.pledge-icon.large { font-size: 2.5rem; display: block; text-align: center; margin-bottom: 1rem; }
.privacy-pledge h4 {
  font-family: var(--font-display);
  font-size: 1.1rem; font-weight: 500;
  color: var(--cream); margin-bottom: 0.4rem;
}
.privacy-pledge p { font-size: 0.85rem; color: var(--text-muted); line-height: 1.7; }
.privacy-pledge strong { color: var(--cream); }
.contact-points { display: flex; flex-direction: column; gap: 0.6rem; }
.contact-point {
  display: flex; align-items: center; gap: 0.75rem;
  font-size: 0.88rem; color: var(--text-muted);
}
.cp-marker { color: var(--gold); font-size: 0.6rem; }

/* FORM */
.form-card {
  background: rgba(255,255,255,0.02);
  border: 1px solid var(--border);
  border-radius: 4px;
  padding: 2.5rem;
}
.form-title {
  font-family: var(--font-display);
  font-size: 1.5rem; font-weight: 500;
  color: var(--cream); margin-bottom: 1.8rem;
}
.form-group { margin-bottom: 1.4rem; }
.form-group label {
  display: block;
  font-size: 0.72rem; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--text-muted); margin-bottom: 0.45rem;
}
.req { color: var(--gold); }
.form-group input[type="text"],
.form-group input[type="email"] {
  width: 100%;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 2px;
  color: var(--cream);
  font-family: var(--font-body);
  font-size: 0.95rem;
  padding: 0.8rem 1rem;
  outline: none;
  transition: border-color .2s;
}
.form-group input:focus { border-color: var(--gold); }
.form-group input.invalid { border-color: #e05a5a; }
.form-group input::placeholder { color: rgba(154,163,178,0.5); }
.field-error {
  display: none;
  font-size: 0.72rem; color: #e05a5a;
  margin-top: 0.3rem;
}
.form-consent { }
.checkbox-label {
  display: flex; gap: 0.75rem; align-items: flex-start; cursor: pointer;
}
.checkbox-label input[type="checkbox"] { position: absolute; opacity: 0; width: 0; height: 0; }
.checkbox-custom {
  flex-shrink: 0;
  width: 18px; height: 18px;
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 2px;
  margin-top: 2px;
  transition: all .2s;
  position: relative;
  background: transparent;
}
.checkbox-label input:checked + .checkbox-custom {
  background: var(--gold); border-color: var(--gold);
}
.checkbox-label input:checked + .checkbox-custom::after {
  content: '✓';
  position: absolute; top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  font-size: 11px; color: var(--navy); font-weight: 700;
}
.checkbox-text { font-size: 0.82rem; color: var(--text-muted); line-height: 1.6; }
.form-fine-print {
  font-size: 0.72rem; color: var(--text-muted);
  margin-top: 1rem; line-height: 1.6; text-align: center;
}
.form-fine-print a { font-size: inherit; }
.form-success {
  text-align: center; padding: 2rem 0;
}
.success-icon {
  font-size: 2rem; color: var(--gold); margin-bottom: 1rem;
}
.form-success h3 {
  font-family: var(--font-display);
  font-size: 2rem; color: var(--cream); margin-bottom: 0.75rem;
}
.form-success p { color: var(--text-muted); line-height: 1.7; }

/* ============================================================ TESTIMONIALS */
.testimonials-coming-soon { margin-bottom: 5rem; }
.coming-soon-badge {
  display: inline-block;
  font-size: 0.65rem; letter-spacing: 0.2em; text-transform: uppercase;
  color: var(--gold);
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 0.3rem 0.8rem;
  margin-bottom: 1.5rem;
}
.video-placeholders {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem; margin-top: 3rem;
}
.video-placeholder { }
.video-thumb {
  aspect-ratio: 16/9;
  background: rgba(255,255,255,0.03);
  border: 1px solid var(--border);
  border-radius: 4px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 0.75rem;
  position: relative; overflow: hidden;
}
.video-thumb::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(201,168,76,0.03) 0%, transparent 60%);
}
.play-btn {
  width: 54px; height: 54px; border-radius: 50%;
  background: rgba(201,168,76,0.15);
  border: 1px solid rgba(201,168,76,0.3);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem; color: var(--gold);
  z-index: 1;
}
.video-caption { font-size: 0.8rem; color: var(--text-muted); text-align: center; }
.text-testimonials-area { border-top: 1px solid var(--border); padding-top: 4rem; }
.testimonial-cards-placeholder {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem; margin-top: 3rem;
}
.testimonial-card-placeholder {
  background: rgba(255,255,255,0.02);
  border: 1px solid var(--border);
  border-radius: 4px;
  padding: 1.8rem;
}
.tcp-quote { font-size: 2rem; color: rgba(201,168,76,0.2); margin-bottom: 1rem; }
.tcp-lines { display: flex; flex-direction: column; gap: 0.5rem; margin-bottom: 1.5rem; }
.tcp-line {
  height: 10px; border-radius: 4px;
  background: rgba(255,255,255,0.06);
}
.tcp-line.long { width: 90%; }
.tcp-line.medium { width: 70%; }
.tcp-line.short { width: 50%; }
.tcp-line.xshort { width: 35%; }
.tcp-attribution { display: flex; gap: 0.75rem; align-items: center; }
.tcp-avatar {
  width: 36px; height: 36px; border-radius: 50%;
  background: rgba(201,168,76,0.1);
  border: 1px solid var(--border);
  flex-shrink: 0;
}
.tcp-name-block { display: flex; flex-direction: column; gap: 0.35rem; }

/* ============================================================ LEGAL */
.legal-section { background: var(--navy-mid); }
.legal-block {
  margin-bottom: 2.5rem;
  padding-bottom: 2.5rem;
  border-bottom: 1px solid var(--border-light);
}
.legal-block:last-child { border-bottom: none; }
.legal-block h2 {
  font-family: var(--font-display);
  font-size: 1.3rem; font-weight: 500;
  color: var(--cream); margin-bottom: 1rem;
}
.legal-block p {
  font-size: 0.88rem; color: var(--text-muted); line-height: 1.85;
  margin-bottom: 0.8rem;
}
.legal-block p:last-child { margin-bottom: 0; }
.legal-list { margin: 0.75rem 0 0.75rem 0; }
.legal-list li {
  font-size: 0.88rem; color: var(--text-muted); line-height: 1.8;
  padding: 0.4rem 0 0.4rem 1.2rem;
  border-bottom: 1px solid rgba(255,255,255,0.04);
  position: relative;
}
.legal-list li::before {
  content: '—';
  position: absolute; left: 0;
  color: var(--gold); font-size: 0.8rem;
}
.legal-list li strong { color: var(--cream); }
.legal-block strong { color: var(--cream); }
.privacy-pledge-full {
  text-align: center;
  background: rgba(201,168,76,0.05);
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: 4px;
  padding: 3rem;
}
.privacy-pledge-full h2 { font-size: 1.8rem; }
.pledge-statement {
  font-size: 1rem !important;
  color: var(--text) !important;
  max-width: 600px; margin: 0 auto;
}

/* ============================================================ ANIMATIONS */
.animate-up { opacity: 0; transform: translateY(28px); animation: fadeUp 0.8s ease forwards; }
.delay-1 { animation-delay: 0.15s; }
.delay-2 { animation-delay: 0.3s; }
.delay-3 { animation-delay: 0.45s; }
.delay-4 { animation-delay: 0.6s; }
@keyframes fadeUp {
  to { opacity: 1; transform: translateY(0); }
}

/* ============================================================ RESPONSIVE */
@media (max-width: 1024px) {
  .intro-grid, .market-grid { grid-template-columns: 1fr; gap: 3rem; }
  .terms-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem; }
  .contact-grid { grid-template-columns: 1fr; gap: 3rem; }
  .rate-card { grid-template-columns: 1fr; gap: 2rem; }
}

@media (max-width: 768px) {
  .nav-links { display: none; flex-direction: column; gap: 0; }
  .nav-links.open {
    display: flex; position: absolute;
    top: var(--nav-h); left: 0; right: 0;
    background: var(--navy);
    border-bottom: 1px solid var(--border);
    padding: 1rem 0;
  }
  .nav-links li { width: 100%; }
  .nav-links a { padding: 0.75rem 2rem; display: block; font-size: 0.85rem; }
  .nav-cta { margin: 0.5rem 2rem; display: inline-flex !important; }
  .nav-toggle { display: flex; }
  .hero-stats { flex-direction: column; gap: 1.5rem; padding: 1.5rem; }
  .stat-divider { display: none; }
  .terms-grid { grid-template-columns: 1fr; }
  .feature-cards { grid-template-columns: 1fr; }
  .protection-grid { grid-template-columns: 1fr; }
  .video-placeholders, .testimonial-cards-placeholder { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; }
  .step-item { flex-direction: column; gap: 1rem; }
  .step-number { font-size: 2rem; min-width: auto; }
  .rate-card { padding: 2rem; }
  .hero-headline { font-size: clamp(2.8rem, 10vw, 5rem); }
  .br-hide { display: none; }
}