:root{
    --ink:#0B0B0C; --ink-2:#121110; --ink-3:#1A1815;
    --gold:#D4AF37; --gold-hi:#F6E3A1; --gold-lo:#9A7B23;
    --cream:#ECE4D2; --muted:#9C927D; --muted-2:#736A58;
    --line:rgba(212,175,55,.16); --line-strong:rgba(212,175,55,.34);
    --grad-gold:linear-gradient(135deg,#F6E3A1 0%,#D4AF37 38%,#C29A2C 68%,#9A7B23 100%);
    --maxw:1160px;
  }
  *{box-sizing:border-box;margin:0;padding:0}
  html{scroll-behavior:smooth}
  body{background:var(--ink);color:var(--cream);font-family:'Montserrat',sans-serif;line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
  a{color:inherit;text-decoration:none}
  .wrap{max-width:var(--maxw);margin:0 auto;padding:0 28px}
  .gold-text{background:var(--grad-gold);-webkit-background-clip:text;background-clip:text;color:transparent}
  .eyebrow{font-size:12px;letter-spacing:.32em;text-transform:uppercase;color:var(--gold);font-weight:600}
  .serif{font-family:'Fraunces',serif}

  /* NAV */
  header{position:sticky;top:0;z-index:50;background:rgba(11,11,12,.86);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
  nav{display:flex;align-items:center;justify-content:space-between;height:82px}
  .brand{display:flex;align-items:center;gap:7px}
  .brand-logo{width:69px;height:69px;display:block;flex-shrink:0}
  .brand-lockup{display:flex;flex-direction:column;line-height:1}
  .brand .name{font-family:'Cinzel',serif;font-weight:700;font-size:27px;letter-spacing:1px;background:var(--grad-gold);-webkit-background-clip:text;background-clip:text;color:transparent}
  .brand .fullname{font-family:'Montserrat',sans-serif;font-weight:500;font-size:10.5px;letter-spacing:.26em;color:var(--muted);margin-top:5px;text-transform:uppercase}
  .navlinks{display:flex;gap:20px;align-items:center}
  .navlinks a{font-size:13.5px;color:var(--muted);font-weight:500;transition:color .2s;white-space:nowrap}
  .navlinks a.btn-gold{flex-shrink:0;color:#191203;font-weight:800;white-space:nowrap}
  .navlinks a:hover{color:var(--cream)}
  .btn{display:inline-flex;align-items:center;gap:8px;font-weight:700;font-size:14px;padding:12px 24px;border-radius:40px;transition:transform .18s,box-shadow .18s;cursor:pointer;border:none;font-family:inherit}
  .btn-gold{background:linear-gradient(135deg,#EBCB6B 0%,#D4AF37 55%,#C4991F 100%);color:#191203;box-shadow:0 6px 22px -8px rgba(212,175,55,.55)}
  .btn-gold:hover{transform:translateY(-2px);box-shadow:0 10px 28px -8px rgba(212,175,55,.7)}
  .btn-ghost{border:1px solid var(--line-strong);color:var(--cream);background:transparent;font-weight:600}
  .btn-ghost:hover{border-color:var(--gold);color:var(--gold-hi)}
  .navtoggle{display:none;background:none;border:none;color:var(--gold);font-size:26px;cursor:pointer}

  /* MOTTO BAND */
  .motto-band{background:linear-gradient(90deg,rgba(212,175,55,.05),rgba(212,175,55,.12),rgba(212,175,55,.05));border-bottom:1px solid var(--line)}
  .motto-band .wrap{text-align:center;padding:11px 28px}
  .motto-band span{font-family:'Fraunces',serif;font-weight:500;font-size:15px;letter-spacing:.05em;color:var(--gold-hi)}
  .motto-band i{color:var(--gold);font-style:normal;margin:0 8px;opacity:.7}

  /* HERO */
  .hero{position:relative;padding:88px 0 76px;overflow:hidden}
  .hero-glow{position:absolute;top:-160px;left:50%;transform:translateX(-50%);width:960px;height:520px;background:radial-gradient(ellipse at center,rgba(212,175,55,.13),transparent 66%);pointer-events:none}
  .hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:52px;align-items:center;position:relative}
  .chip{display:inline-flex;align-items:center;gap:9px;font-size:12px;letter-spacing:.05em;color:var(--muted);border:1px solid var(--line);border-radius:40px;padding:7px 15px;margin-bottom:26px}
  .chip .dot{width:7px;height:7px;border-radius:50%;background:var(--gold);box-shadow:0 0 10px var(--gold)}
  h1.hero-h{font-family:'Fraunces',serif;font-weight:600;font-size:clamp(38px,5.2vw,60px);line-height:1.06;letter-spacing:-.01em;margin-bottom:24px}
  h1.hero-h b{font-weight:600;background:var(--grad-gold);-webkit-background-clip:text;background-clip:text;color:transparent}
  .hero-sub{font-size:17.5px;color:var(--muted);max-width:540px;margin-bottom:32px}
  .hero-cta{display:flex;gap:14px;flex-wrap:wrap;align-items:center}
  .hero-note{font-size:12.5px;color:var(--muted-2);margin-top:20px;max-width:520px}

  /* hero pillar card */
  .pill-card{background:linear-gradient(180deg,var(--ink-2),var(--ink));border:1px solid var(--line);border-radius:20px;padding:14px;position:relative}
  .pill-card .pc-lbl{font-size:11px;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);font-weight:600;padding:14px 16px 10px}
  .pc-item{display:flex;gap:14px;align-items:flex-start;padding:15px 16px;border-radius:14px;transition:background .2s}
  .pc-item:hover{background:var(--ink-3)}
  .pc-item+.pc-item{border-top:1px solid var(--line)}
  .pc-ic{flex-shrink:0;width:40px;height:40px;border-radius:11px;border:1px solid var(--line-strong);display:flex;align-items:center;justify-content:center}
  .pc-ic svg{width:20px;height:20px;stroke:var(--gold);fill:none;stroke-width:1.6}
  .pc-item h4{font-size:15px;font-weight:600;margin-bottom:3px}
  .pc-item p{font-size:12.5px;color:var(--muted);line-height:1.45}

  /* SECTION shells */
  section{padding:88px 0}
  .sec-head{max-width:680px;margin-bottom:50px}
  .sec-head h2{font-family:'Fraunces',serif;font-weight:600;font-size:clamp(28px,3.6vw,42px);line-height:1.12;margin:14px 0 16px;letter-spacing:-.01em}
  .sec-head p{color:var(--muted);font-size:16.5px}
  .reveal{opacity:0;transform:translateY(22px);transition:opacity .7s ease,transform .7s ease}
  .reveal.in{opacity:1;transform:none}
  .band-alt{background:var(--ink-2);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}

  /* vertical marker */
  .vmark{display:inline-flex;align-items:center;gap:12px;margin-bottom:6px}
  .vmark span{font-family:'Fraunces',serif;font-size:19px;color:var(--gold)}
  .vmark .ln{width:44px;height:1px;background:var(--line-strong)}

  /* PILLARS grid (3 cards) */
  .pillars-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
  .vcard{background:var(--ink-2);border:1px solid var(--line);border-radius:18px;padding:32px 28px;transition:border-color .25s,transform .25s;display:flex;flex-direction:column}
  .vcard:hover{border-color:var(--line-strong);transform:translateY(-4px)}
  .vcard .v-ic{width:52px;height:52px;border-radius:14px;border:1px solid var(--line-strong);display:flex;align-items:center;justify-content:center;margin-bottom:20px}
  .vcard .v-ic svg{width:26px;height:26px;stroke:var(--gold);fill:none;stroke-width:1.5}
  .vcard .v-tag{font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-lo);font-weight:600;margin-bottom:10px}
  .vcard .v-strap{font-family:'Fraunces',serif;font-size:15px;color:var(--gold-hi);margin:0 0 12px;line-height:1.3}
  .vcard h3{font-size:21px;font-weight:600;margin-bottom:10px}
  .vcard p{color:var(--muted);font-size:14.5px;flex:1;margin-bottom:20px}
  .vcard .v-link{font-size:13.5px;color:var(--gold);font-weight:600}

  /* INSURANCE list */
  .split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
  .ins-copy p{color:var(--muted);font-size:16px;margin-bottom:18px}
  .ins-copy strong{color:var(--cream);font-weight:600}
  .ins-lines{display:grid;grid-template-columns:1fr 1fr;gap:12px}
  .ins-item{background:var(--ink);border:1px solid var(--line);border-radius:12px;padding:16px 16px}
  .ins-item .t{font-size:14.5px;font-weight:600;color:var(--cream)}
  .ins-item .s{font-size:12px;color:var(--muted);margin-top:3px}
  .ins-cat{font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);font-weight:600;margin:6px 0 12px}
  .ins-cols{display:grid;grid-template-columns:1fr 1.3fr;gap:34px;align-items:start;margin-top:44px}
  .ins-block{background:var(--ink-2);border:1px solid var(--line);border-radius:18px;padding:26px}
  .ins-block .bh{display:flex;align-items:center;gap:12px;margin-bottom:6px}
  .ins-block .bh h3{font-family:'Fraunces',serif;font-weight:600;font-size:21px}
  .ins-block .bh .bi{width:34px;height:34px;border-radius:9px;border:1px solid var(--line-strong);display:flex;align-items:center;justify-content:center;flex-shrink:0}
  .ins-block .bh .bi svg{width:18px;height:18px;stroke:var(--gold);fill:none;stroke-width:1.6}
  .ins-block .bd{font-size:13px;color:var(--muted);margin-bottom:20px}
  .ins-sub{font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-lo);font-weight:600;margin:20px 0 12px}
  .ins-sub:first-of-type{margin-top:4px}

  /* LEARN grid */
  .learn-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
  .lcard{background:var(--ink-2);border:1px solid var(--line);border-radius:16px;padding:28px;transition:border-color .25s,transform .25s}
  .lcard:hover{border-color:var(--line-strong);transform:translateY(-3px)}
  .lcard .num{font-family:'Fraunces',serif;font-size:19px;color:var(--gold);margin-bottom:14px}
  .lcard h3{font-size:18px;font-weight:600;margin-bottom:9px}
  .lcard p{color:var(--muted);font-size:14px}
  .lcard .tag{display:inline-block;margin-top:14px;font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-lo);border:1px solid var(--line);border-radius:20px;padding:4px 11px}

  /* discipline card */
  .disc-card{background:linear-gradient(180deg,var(--ink-3),var(--ink-2));border:1px solid var(--line);border-radius:20px;padding:30px;max-width:520px}
  .disc-card .lbl{font-size:11px;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);margin-bottom:20px;font-weight:600}
  .disc-row{margin-bottom:18px}
  .disc-head{display:flex;justify-content:space-between;font-size:14px;margin-bottom:7px}
  .disc-head .who{color:var(--cream);font-weight:600}
  .disc-head .who small{display:block;color:var(--muted-2);font-weight:400;font-size:11px}
  .disc-head .val{font-family:'Fraunces',serif;font-size:15px}
  .bar{height:9px;border-radius:6px;background:var(--ink);overflow:hidden}
  .bar span{display:block;height:100%;border-radius:6px;width:0;transition:width 1.3s cubic-bezier(.2,.7,.2,1)}
  .bar.calm span{background:var(--grad-gold)}
  .bar.fomo span{background:linear-gradient(90deg,#5a5142,#8a7a55)}
  .disc-foot{font-size:12px;color:var(--muted-2);margin-top:20px;padding-top:16px;border-top:1px solid var(--line)}

  /* PATH */
  .path-grid{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--line);border-radius:18px;overflow:hidden}
  .step{padding:34px 30px;border-right:1px solid var(--line)}
  .step:last-child{border-right:none}
  .step .st-n{font-family:'Fraunces',serif;font-size:13px;color:var(--gold);letter-spacing:.1em;margin-bottom:16px}
  .step h3{font-family:'Fraunces',serif;font-size:23px;font-weight:600;margin-bottom:10px}
  .step p{color:var(--muted);font-size:14px}

  /* PRICING */
  .price-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;align-items:stretch}
  .pcard{background:var(--ink-2);border:1px solid var(--line);border-radius:20px;padding:34px 30px;display:flex;flex-direction:column;position:relative}
  .pcard.feature{border-color:var(--line-strong);background:linear-gradient(180deg,var(--ink-3),var(--ink-2))}
  .pcard.feature::before{content:"Most popular";position:absolute;top:-11px;left:50%;transform:translateX(-50%);background:var(--grad-gold);color:#0C0A03;font-size:10.5px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;padding:5px 14px;border-radius:20px}
  .ptier{font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);font-weight:600;margin-bottom:14px}
  .pprice{font-family:'Fraunces',serif;font-size:42px;font-weight:600;line-height:1}
  .pprice span{font-family:'Montserrat';font-size:15px;color:var(--muted);font-weight:500}
  .pdesc{color:var(--muted);font-size:13.5px;margin:12px 0 22px}
  .plist{list-style:none;margin-bottom:26px;flex:1}
  .plist li{font-size:14px;color:var(--cream);padding:9px 0 9px 26px;position:relative;border-bottom:1px solid var(--line)}
  .plist li::before{content:"";position:absolute;left:0;top:15px;width:11px;height:6px;border-left:2px solid var(--gold);border-bottom:2px solid var(--gold);transform:rotate(-45deg)}
  .plist li:last-child{border-bottom:none}
  .price-note{text-align:center;color:var(--muted-2);font-size:12.5px;margin-top:24px}

  /* MONEY grid (earn/spend/save/invest) */
  .money-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
  .mcard{background:var(--ink);border:1px solid var(--line);border-radius:16px;padding:26px 22px;text-align:center}
  .mcard .mi{width:46px;height:46px;margin:0 auto 16px;border-radius:12px;border:1px solid var(--line-strong);display:flex;align-items:center;justify-content:center}
  .mcard .mi svg{width:24px;height:24px;stroke:var(--gold);fill:none;stroke-width:1.6}
  .mcard h4{font-size:17px;font-weight:600;margin-bottom:8px}
  .mcard p{font-size:13px;color:var(--muted)}

  /* INSIGHTS / BLOG */
  .blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
  .post{background:var(--ink-2);border:1px solid var(--line);border-radius:16px;overflow:hidden;transition:border-color .25s,transform .25s}
  .post[open]{border-color:var(--line-strong)}
  .post summary{list-style:none;cursor:pointer;padding:26px 26px 22px;display:block;position:relative}
  .post summary::-webkit-details-marker{display:none}
  .post:hover{transform:translateY(-3px);border-color:var(--line-strong)}
  .post .meta{display:flex;align-items:center;gap:10px;margin-bottom:14px}
  .post .cat{font-size:10.5px;letter-spacing:.12em;text-transform:uppercase;font-weight:700;color:#191203;background:var(--grad-gold);padding:4px 10px;border-radius:20px}
  .post .date{font-size:12px;color:var(--muted-2)}
  .post h3{font-family:'Fraunces',serif;font-weight:600;font-size:20px;line-height:1.25;margin-bottom:10px}
  .post .excerpt{font-size:14px;color:var(--muted);line-height:1.6}
  .post .more{display:inline-block;margin-top:14px;font-size:13px;font-weight:600;color:var(--gold)}
  .post[open] .more{display:none}
  .post .body{padding:0 26px 26px;font-size:14.5px;color:var(--muted);line-height:1.75}
  .post .body p{margin-bottom:14px}
  .post .body strong{color:var(--cream)}

  /* ABOUT */
  .about-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:50px;align-items:center}
  .about-badge{aspect-ratio:1;max-width:330px;margin:0 auto;border-radius:24px;border:1px solid var(--line);background:radial-gradient(circle at 50% 35%,rgba(212,175,55,.12),transparent 70%),var(--ink);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:16px;padding:30px}
  .about-badge img.face-photo{width:192px;height:192px;border-radius:50%;object-fit:cover;border:2px solid var(--gold);box-shadow:0 12px 36px -12px rgba(212,175,55,.55)}
  .about-badge .sig{font-family:'Cinzel',serif;font-weight:600;font-size:22px;letter-spacing:1px}
  .about-poster img{width:100%;max-width:360px;border-radius:18px;border:1px solid var(--line-strong);box-shadow:0 24px 60px -22px rgba(212,175,55,.45);display:block;margin:0 auto}
  .about-copy h2{font-family:'Fraunces',serif;font-weight:600;font-size:clamp(26px,3.4vw,38px);margin-bottom:20px;line-height:1.14}
  .about-copy p{color:var(--muted);font-size:16px;margin-bottom:16px}
  .about-copy strong{color:var(--cream);font-weight:600}

  /* FAQ */
  .faq-list{max-width:820px;margin:0 auto}
  details{border-bottom:1px solid var(--line);padding:6px 0}
  summary{cursor:pointer;list-style:none;padding:22px 40px 22px 0;font-size:17px;font-weight:600;position:relative;color:var(--cream)}
  summary::-webkit-details-marker{display:none}
  summary::after{content:"+";position:absolute;right:6px;top:20px;font-size:24px;color:var(--gold);font-weight:400;transition:transform .25s}
  details[open] summary::after{transform:rotate(45deg)}
  details p{color:var(--muted);font-size:15px;padding:0 0 24px;max-width:720px}
  details p strong{color:var(--cream)}

  /* DISCLAIMER */
  .disclaimer{background:var(--ink);border-top:1px solid var(--line-strong);border-bottom:1px solid var(--line-strong)}
  .disc-wrap{max-width:900px;margin:0 auto;text-align:center}
  .disc-wrap .eyebrow{margin-bottom:20px;display:block}
  .disc-wrap p{color:var(--muted);font-size:13.5px;line-height:1.85}
  .disc-wrap .hl{color:var(--gold-hi);font-weight:600}

  /* SOCIAL ICONS */
  .contact-list{display:flex;flex-direction:column;gap:14px;margin:4px 0 4px}
  .foot-col .contact-line{display:flex;align-items:center;gap:11px;color:var(--muted);margin:0;transition:color .2s}
  .contact-line:hover{color:var(--cream)}
  .contact-line .ci{width:22px;height:22px;flex-shrink:0;display:flex;align-items:center;justify-content:center}
  .contact-line .ci svg{width:19px;height:19px;stroke:var(--gold);fill:none;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
  .contact-line .ct{font-size:14px;text-decoration:underline;text-underline-offset:3px;text-decoration-color:rgba(212,175,55,.55)}

  /* FOOTER */
  footer{padding:80px 0 40px}
  .foot-cta{text-align:center;max-width:660px;margin:0 auto 70px}
  .foot-cta h2{font-family:'Fraunces',serif;font-weight:600;font-size:clamp(30px,4vw,46px);margin-bottom:18px;line-height:1.1}
  .foot-cta p{color:var(--muted);font-size:17px;margin-bottom:30px}
  .contact-row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-bottom:14px}
  .foot-grid{display:flex;justify-content:space-between;align-items:flex-start;flex-wrap:wrap;gap:30px;padding-top:40px;border-top:1px solid var(--line)}
  .foot-brand{display:flex;align-items:center;gap:12px;margin-bottom:14px}
  .foot-brand img{width:60px;height:60px}
  .foot-brand .name{font-family:'Cinzel',serif;font-weight:700;font-size:22px;letter-spacing:1px}
  .foot-left p{color:var(--muted-2);font-size:13px;max-width:300px}
  .foot-col h4{font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-bottom:16px;font-weight:600}
  .foot-col a,.foot-col span{display:block;color:var(--muted);font-size:14px;margin-bottom:11px;transition:color .2s}
  .foot-col a:hover{color:var(--cream)}
  .foot-bottom{margin-top:44px;padding-top:24px;border-top:1px solid var(--line);display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;color:var(--muted-2);font-size:12.5px}
  .foot-bottom .sig{font-family:'Cinzel',serif;font-weight:600;color:var(--gold);letter-spacing:1px}

  @media(max-width:900px){
    .hero-grid,.split,.about-grid{grid-template-columns:1fr;gap:40px}
    .pillars-grid,.learn-grid,.price-grid,.path-grid,.money-grid,.ins-lines{grid-template-columns:1fr}
    .money-grid{grid-template-columns:1fr 1fr}
    .path-grid .step{border-right:none;border-bottom:1px solid var(--line)}
    .path-grid .step:last-child{border-bottom:none}
    .navlinks{display:none}
    .navtoggle{display:block}
    .navlinks.open{display:flex;position:absolute;top:82px;left:0;right:0;flex-direction:column;background:var(--ink-2);padding:24px 28px;gap:20px;border-bottom:1px solid var(--line)}
  }
  @media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important}.reveal{opacity:1;transform:none;transition:none}.bar span{transition:none}}
/* ===== ACTIVE NAV ===== */
.navlinks a.on{color:var(--gold-hi)}

/* ===== ANIMATED CLIPS ===== */
.clip-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.clip{background:var(--ink);border:1px solid var(--line);border-radius:16px;padding:18px;transition:border-color .25s,transform .25s}
.clip:hover{border-color:var(--line-strong);transform:translateY(-3px)}
.clip-stage{background:var(--ink-2);border:1px solid var(--line);border-radius:12px;overflow:hidden;margin-bottom:16px}
.clip-stage svg{display:block;width:100%;height:auto}
.clip h4{font-size:17px;font-weight:600;margin-bottom:7px}
.clip p{font-size:13.5px;color:var(--muted);line-height:1.55}

/* clip 1 — breakout */
.clip-stage .lvl{stroke:var(--gold);stroke-width:1.4;stroke-dasharray:5 4;opacity:0;animation:lvlIn 12s infinite}
.clip-stage .cndl rect{fill:#6b6455}
.clip-stage .cndl line{stroke:#6b6455;stroke-width:1.4}
.clip-stage .cndl{opacity:0;animation:cIn 12s infinite}
.clip-stage .cndl:nth-of-type(2){animation-delay:.5s}
.clip-stage .cndl:nth-of-type(3){animation-delay:1s}
.clip-stage .cndl:nth-of-type(4){animation-delay:1.5s}
.clip-stage .cndl:nth-of-type(5){animation-delay:2s}
.clip-stage .cndl:nth-of-type(6){animation-delay:2.5s}
.clip-stage .cndl:nth-of-type(7){animation-delay:3s}
.clip-stage .cndl.brk rect{fill:#D4AF37}
.clip-stage .cndl.brk line{stroke:#D4AF37}
.clip-stage .cndl:nth-of-type(8){animation-delay:3.5s}
.clip-stage .cndl:nth-of-type(9){animation-delay:4s}
.clip-stage .ann{fill:var(--muted-2);font-family:'Montserrat',sans-serif;font-size:7px;letter-spacing:.14em;text-transform:uppercase;opacity:0}
.clip-stage .a1{animation:annIn 12s infinite;animation-delay:.2s}
.clip-stage .a2{fill:#E7C765;animation:annIn 12s infinite;animation-delay:3.8s}
@keyframes lvlIn{0%{opacity:0}6%{opacity:.9}92%{opacity:.9}100%{opacity:0}}
@keyframes cIn{0%{opacity:0;transform:translateY(6px)}6%{opacity:1;transform:none}92%{opacity:1}100%{opacity:0}}
@keyframes annIn{0%{opacity:0}8%{opacity:1}92%{opacity:1}100%{opacity:0}}

/* clip 2 — 50/30/20 */
.clip-stage .track{fill:var(--ink-3)}
.clip-stage .fill{fill:#6b6455}
.clip-stage .fill.f3{fill:#D4AF37}
.clip-stage .f1{width:0;animation:g1 10s infinite}
.clip-stage .f2{width:0;animation:g2 10s infinite;animation-delay:.6s}
.clip-stage .f3{width:0;animation:g3 10s infinite;animation-delay:1.2s}
.clip-stage .lb{fill:var(--muted-2);font-family:'Montserrat',sans-serif;font-size:7.5px;letter-spacing:.16em}
.clip-stage .lb.gold{fill:#E7C765}
@keyframes g1{0%{width:0}18%{width:130px}92%{width:130px}100%{width:0}}
@keyframes g2{0%{width:0}18%{width:78px}92%{width:78px}100%{width:0}}
@keyframes g3{0%{width:0}18%{width:52px}92%{width:52px}100%{width:0}}

/* clip 3 — 1% risk */
.clip-stage .cap{fill:var(--ink-3);stroke:var(--line-strong);stroke-width:1}
.clip-stage .cap2{fill:var(--ink-3)}
.clip-stage .risk,.clip-stage .dent{fill:#D4AF37}
.clip-stage .risk{opacity:0;animation:riskIn 11s infinite;animation-delay:.6s}
.clip-stage .a3{fill:#E7C765;font-family:'Montserrat',sans-serif;font-size:7px;letter-spacing:.14em;text-transform:uppercase;opacity:0;animation:annIn 11s infinite;animation-delay:1.4s}
.clip-stage .loss{opacity:0;animation:annIn 11s infinite;animation-delay:3s}
.clip-stage .lb2{fill:var(--muted-2);font-family:'Montserrat',sans-serif;font-size:7px;letter-spacing:.12em;text-transform:uppercase}
@keyframes riskIn{0%{opacity:0}10%{opacity:1}92%{opacity:1}100%{opacity:0}}

/* ===== ASK BK ===== */
.ask-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:44px}
.ask-card{background:var(--ink-2);border:1px solid var(--line);border-radius:18px;padding:30px}
.ask-card h3{font-family:'Fraunces',serif;font-weight:600;font-size:21px;margin-bottom:18px}
.ask-list{list-style:none}
.ask-list li{font-size:14.5px;color:var(--cream);padding:10px 0 10px 28px;position:relative;border-bottom:1px solid var(--line)}
.ask-list li:last-child{border-bottom:none}
.ask-list.ok li::before{content:"";position:absolute;left:2px;top:16px;width:11px;height:6px;border-left:2px solid var(--gold);border-bottom:2px solid var(--gold);transform:rotate(-45deg)}
.ask-list.no li{color:var(--muted)}
.ask-list.no li::before{content:"";position:absolute;left:2px;top:17px;width:12px;height:2px;background:var(--muted-2);border-radius:2px}
.ask-note{margin-top:18px;padding-top:16px;border-top:1px solid var(--line);font-size:13px;color:var(--muted-2);line-height:1.65}
.ask-note em{color:var(--gold-hi);font-style:normal;font-weight:600}
.ask-cta{background:linear-gradient(180deg,var(--ink-3),var(--ink-2));border:1px solid var(--line-strong);border-radius:20px;padding:44px 30px;text-align:center}
.ask-cta h3{font-family:'Fraunces',serif;font-weight:600;font-size:28px;margin-bottom:10px}
.ask-cta > p{color:var(--muted);font-size:15.5px;max-width:520px;margin:0 auto 24px}
.ask-fine{font-size:12px;color:var(--muted-2);margin-top:16px}

@media(max-width:900px){
  .clip-grid,.ask-grid{grid-template-columns:1fr}
}

/* ============ MOBILE POLISH ============ */
@media(max-width:900px){
  /* BUG FIX: insurance two-column never collapsed -> horizontal overflow */
  .ins-cols{grid-template-columns:1fr;gap:20px;margin-top:32px}
  section{padding:64px 0}
  .sec-head{margin-bottom:36px}
}

@media(max-width:600px){
  html{-webkit-text-size-adjust:100%}
  .wrap{padding:0 18px}
  section{padding:52px 0}
  .sec-head{margin-bottom:30px}
  .sec-head p{font-size:15.5px}

  /* header — smaller lockup, bigger tap targets */
  nav{height:72px}
  .brand-logo{width:54px;height:54px}
  .brand .name{font-size:22px}
  .brand .fullname{font-size:9px;letter-spacing:.16em;margin-top:4px}
  .navtoggle{font-size:30px;padding:6px}
  .navlinks.open{top:72px;padding:14px 18px 20px;gap:0}
  .navlinks.open a{padding:14px 2px;font-size:16px;border-bottom:1px solid var(--line);width:100%}
  .navlinks.open a.btn-gold{margin-top:14px;justify-content:center;border-bottom:none}

  .motto-band .wrap{padding:9px 18px}
  .motto-band span{font-size:13px}

  /* hero */
  .hero{padding:44px 0 40px}
  .hero-grid{gap:30px}
  h1.hero-h{font-size:34px;line-height:1.1}
  .hero-sub{font-size:16px}
  .hero-note{font-size:12px}
  .chip{font-size:11.5px;padding:7px 13px;letter-spacing:.02em}

  /* buttons — 48px tap targets, allow wrapping */
  .btn{padding:14px 20px;font-size:14.5px;min-height:48px;white-space:normal;text-align:center}
  .hero-cta{gap:10px}
  .hero-cta .btn,.contact-row .btn{flex:1 1 auto;justify-content:center}

  /* cards — tighter padding, bigger body text */
  .vcard,.ask-card,.ins-block{padding:24px 20px}
  .lcard,.clip,.post{padding:22px 20px}
  .pcard{padding:28px 22px}
  .disc-card{padding:22px}
  .vcard h3{font-size:19px}
  .vcard p,.lcard p,.post .excerpt{font-size:14.5px}
  .clip p{font-size:14px}
  .clip h4{font-size:16.5px}
  .pprice{font-size:38px}
  .plist li,.ask-list li{font-size:14.5px}

  /* money cards — icon beside text = far less scrolling */
  .money-grid{grid-template-columns:1fr;gap:12px}
  .mcard{display:flex;align-items:flex-start;gap:14px;text-align:left;padding:20px 18px}
  .mcard .mi{margin:0;flex-shrink:0;width:42px;height:42px}
  .mcard h4{font-size:16.5px;margin-bottom:4px}
  .mcard p{font-size:13.5px}

  /* insurance rows */
  .ins-item{padding:14px}
  .ins-item .t{font-size:14px}
  .ins-item .s{font-size:11.5px}
  .ins-block .bh h3{font-size:19px}

  /* about */
  .about-poster img{max-width:270px}
  .about-copy p{font-size:15.5px}

  /* faq / posts */
  summary{font-size:16px;padding:18px 34px 18px 0}
  details p{font-size:14.5px}
  .post h3{font-size:19px}

  /* ask */
  .ask-cta{padding:34px 20px}
  .ask-cta h3{font-size:24px}
  .ask-cta > p{font-size:15px}

  /* disclaimer + footer */
  .disc-wrap p{font-size:13px}
  footer{padding:56px 0 32px}
  .foot-cta{margin-bottom:44px}
  .foot-grid{gap:28px}
  .contact-list{gap:16px}
  .contact-line .ct{font-size:15px}
  .contact-line{padding:3px 0}
  .foot-bottom{font-size:12px}
}

/* readability floor on phones — nothing under ~12px */
@media(max-width:600px){
  .brand .fullname{font-size:10.5px;letter-spacing:.12em}
  .ins-item .s{font-size:12.5px}
  .ins-sub{font-size:12px;letter-spacing:.1em}
  .post .cat{font-size:11.5px}
  .disc-head .who small{font-size:12px}
  .clip-stage + h4{font-size:16.5px}
  .eyebrow{font-size:11.5px;letter-spacing:.24em}
  .price-note,.ask-fine,.hero-note{font-size:12.5px;line-height:1.6}
  .foot-left p{font-size:13px}
  .lcard .tag{font-size:11.5px}
}

/* micro-labels: raise with matching specificity */
@media(max-width:600px){
  .vcard .v-tag{font-size:12px}
  .pill-card .pc-lbl{font-size:12px}
  .disc-card .lbl{font-size:12px}
  .clip .clip-stage ~ h4{font-size:16.5px}
}

/* ===== BIGGER, MORE CONFIDENT HEADINGS (all pages) ===== */
.sec-head h2{font-size:clamp(32px,4.2vw,48px);letter-spacing:-.015em}
h2.serif{font-size:clamp(32px,4.4vw,50px)!important}
.vmark span{font-size:20px}
.sec-head .eyebrow{font-size:12.5px;letter-spacing:.3em;margin-bottom:6px;display:block}

/* ===== HOMEPAGE POLISH ===== */
/* refined pillar chooser card */
.pill-card{background:linear-gradient(160deg,rgba(212,175,55,.06),var(--ink-2) 45%,var(--ink));box-shadow:0 30px 70px -40px rgba(212,175,55,.4)}
/* pillar cards: subtle gold top accent + lift */
.vcard{position:relative;overflow:hidden}
.vcard::before{content:"";position:absolute;top:0;left:0;right:0;height:2px;background:var(--grad-gold);opacity:0;transition:opacity .3s}
.vcard:hover::before{opacity:1}
.vcard:hover{box-shadow:0 24px 50px -30px rgba(212,175,55,.45)}
/* clip stages a touch richer */
.clip-stage{background:radial-gradient(120% 120% at 50% 0%,rgba(212,175,55,.06),var(--ink-2))}

@media(min-width:901px){
  h1.hero-h{font-size:clamp(46px,5.4vw,64px)}
  .hero{padding:96px 0 84px}
  .foot-cta h2{font-size:clamp(34px,4.4vw,52px)}
}
@media(max-width:600px){
  .sec-head h2{font-size:31px}
  h2.serif{font-size:31px!important}
  h1.hero-h{font-size:36px}
}