/* =====================
   GOLD STANDARD ADVISORY
   Design tokens & base
   ===================== */

:root {
  --navy:       #1a2540;
  --navy-deep:  #111927;
  --gold:       #c9a84c;
  --gold-light: #e8c97a;
  --cream:      #faf8f4;
  --cream-dark: #f0ece3;
  --slate:      #4a5568;
  --text:       #2d3748;
  --text-light: #718096;
  --white:      #ffffff;
  --radius:     8px;
  --transition: 0.25s ease;
  --shadow:     0 4px 24px rgba(26,37,64,0.10);
  --shadow-lg:  0 8px 40px rgba(26,37,64,0.16);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', sans-serif;
  color: var(--text);
  background: var(--cream);
  line-height: 1.7;
  font-size: 16px;
}

/* ===================== TYPOGRAPHY ===================== */
h1, h2, h3 {
  font-family: 'Playfair Display', serif;
  color: var(--navy);
  line-height: 1.25;
}

h1 { font-size: clamp(2rem, 5vw, 3.2rem); font-weight: 700; }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); font-weight: 500; }
h3 { font-size: 1.3rem; font-weight: 500; margin-bottom: 0.5rem; }
h4 { font-size: 1rem; font-weight: 600; color: var(--navy); margin-bottom: 0.75rem; }

p { color: var(--slate); margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

em { font-style: italic; color: var(--gold); }

.eyebrow {
  font-family: 'Inter', sans-serif;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.75rem;
  display: block;
}
.eyebrow.center { text-align: center; }

/* ===================== LAYOUT ===================== */
.container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 2rem;
}

section { padding: 5rem 0; }

/* ===================== BUTTONS ===================== */
.btn {
  display: inline-block;
  padding: 0.8rem 2rem;
  border-radius: var(--radius);
  font-family: 'Inter', sans-serif;
  font-size: 0.9rem;
  font-weight: 600;
  text-decoration: none;
  transition: all var(--transition);
  cursor: pointer;
  border: 2px solid transparent;
}

.btn-primary {
  background: var(--gold);
  color: var(--navy-deep);
  border-color: var(--gold);
}
.btn-primary:hover {
  background: var(--gold-light);
  border-color: var(--gold-light);
  transform: translateY(-1px);
  box-shadow: var(--shadow);
}

.btn-ghost {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-ghost:hover {
  background: var(--navy);
  color: var(--white);
  transform: translateY(-1px);
}

.btn.full { width: 100%; text-align: center; }

/* ===================== NAV ===================== */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--white);
  border-bottom: 1px solid var(--cream-dark);
  box-shadow: 0 2px 12px rgba(26,37,64,0.06);
}

.nav-inner {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 2rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 95px;
}

.nav-logo {
  font-family: 'Playfair Display', serif;
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--navy);
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.logo-gold { color: var(--gold); font-size: 0.85rem; }

.nav-logo-img {
  height: 80px;
  width: auto;
  display: block;
}

.nav-links {
  display: flex;
  list-style: none;
  align-items: center;
  gap: 0.25rem;
}

.nav-links a {
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--slate);
  text-decoration: none;
  padding: 0.5rem 0.9rem;
  border-radius: var(--radius);
  transition: all var(--transition);
}

.nav-links a:hover, .nav-links a.active {
  color: var(--navy);
  background: var(--cream);
}

.nav-links .nav-cta {
  background: var(--gold);
  color: var(--navy-deep) !important;
  font-weight: 600;
  margin-left: 0.5rem;
}
.nav-links .nav-cta:hover {
  background: var(--gold-light);
}

.nav-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 1.4rem;
  color: var(--navy);
  cursor: pointer;
}

/* ===================== HERO PHOTO BG ===================== */
.hero-photo-bg {
  position: relative;
  min-height: 92vh;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  overflow: hidden;
  background-image: url('family.JPG');
  background-size: cover;
  background-position: center 20%;
  background-repeat: no-repeat;
}

.hero-photo-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to bottom,
    rgba(10, 15, 25, 0.72) 0%,
    rgba(10, 15, 25, 0.65) 50%,
    rgba(10, 15, 25, 0.80) 100%
  );
  z-index: 1;
}

.hero-video-content {
  position: relative;
  z-index: 2;
  max-width: 820px;
  padding: 4rem 2rem;
  margin: 0 auto;
}

.eyebrow-light {
  color: var(--gold-light) !important;
}

.hero-video-title {
  color: var(--white);
  font-size: clamp(2.4rem, 5.5vw, 4rem);
  font-weight: 700;
  line-height: 1.18;
  margin-bottom: 1.5rem;
  text-shadow: 0 2px 20px rgba(0,0,0,0.3);
}

.hero-video-title em {
  color: var(--gold-light);
  font-style: italic;
}

.hero-video-sub {
  color: rgba(255,255,255,0.92);
  font-size: clamp(1rem, 2vw, 1.2rem);
  line-height: 1.8;
  max-width: 640px;
  margin: 0 auto 2.5rem;
  text-shadow: 0 1px 6px rgba(0,0,0,0.3);
}

.btn-ghost-light {
  color: var(--white) !important;
  border-color: rgba(255,255,255,0.5) !important;
}
.btn-ghost-light:hover {
  background: rgba(255,255,255,0.15) !important;
  border-color: var(--white) !important;
}

@media (max-width: 640px) {
  .hero-photo-bg { min-height: 100svh; }
  .hero-video-content { padding: 2rem 1.25rem; }
}

.hero-actions { display: flex; gap: 1rem; flex-wrap: wrap; justify-content: center; }

.family-photo-img {
  width: 100%;
  border-radius: 12px;
  object-fit: cover;
  box-shadow: var(--shadow-lg);
}

/* ===================== PAGE HERO (inner pages) ===================== */
.page-hero {
  background: var(--navy);
  padding: 5rem 0;
  text-align: center;
}
.page-hero h1 { color: var(--white); margin-bottom: 1rem; }
.page-hero .hero-sub {
  color: rgba(255,255,255,0.72);
  font-size: 1.05rem;
  max-width: 640px;
  margin: 0 auto;
}

/* ===================== WHO WE SERVE ===================== */
.serve { background: var(--white); }
.serve h2 { text-align: center; margin-bottom: 3rem; }

.cards {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  margin-top: 2.5rem;
}

.card {
  background: var(--cream);
  border: 1px solid var(--cream-dark);
  border-radius: 12px;
  padding: 2rem 1.75rem;
  text-decoration: none;
  transition: all var(--transition);
  display: block;
}

.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--gold);
}

.card-icon { font-size: 2rem; margin-bottom: 1rem; }
.card h3 { color: var(--navy); margin-bottom: 0.6rem; }
.card p { font-size: 0.92rem; color: var(--slate); margin-bottom: 1.25rem; }
.card-link { color: var(--gold); font-size: 0.88rem; font-weight: 600; }

/* ===================== APPROACH ===================== */
.approach { background: var(--cream-dark); }

.approach-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 5rem;
  align-items: center;
}

.approach-text h2 { margin-bottom: 1rem; }
.approach-text > p { margin-bottom: 1.5rem; }

.questions { margin: 1.5rem 0; display: flex; flex-direction: column; gap: 0.75rem; }
.question-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 0.95rem;
  color: var(--text);
}
.q-mark { color: var(--gold); font-size: 0.75rem; margin-top: 0.3rem; flex-shrink: 0; }

/* ===================== MISSION ===================== */
.mission { background: var(--navy); padding: 5rem 0; }
.mission-inner {
  max-width: 760px;
  margin: 0 auto;
  text-align: center;
  padding: 0 2rem;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 1.5rem;
}

.gold-rule {
  display: block;
  width: 60px;
  height: 2px;
  background: var(--gold);
}

.mission blockquote {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.1rem, 2.5vw, 1.5rem);
  color: var(--white);
  line-height: 1.7;
  font-style: italic;
  border: none;
  padding: 0;
  margin: 0;
}

.mission-name {
  color: var(--gold);
  font-size: 0.9rem;
  font-weight: 500;
  margin: 0;
}

/* ===================== CONTACT ===================== */
.contact { background: var(--cream-dark); padding-top: 2rem; }

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 5rem;
  align-items: start;
}

.contact-text h2 { margin-bottom: 1rem; }
.contact-details { margin-top: 2rem; display: flex; flex-direction: column; gap: 0.6rem; }
.contact-details p { font-size: 0.95rem; margin: 0; }

.contact-form { display: flex; flex-direction: column; gap: 1.25rem; }

.form-group { display: flex; flex-direction: column; gap: 0.4rem; }
.form-group label {
  font-size: 0.83rem;
  font-weight: 600;
  color: var(--navy);
  letter-spacing: 0.03em;
}

.form-group input,
.form-group select,
.form-group textarea {
  padding: 0.75rem 1rem;
  border: 1.5px solid var(--cream-dark);
  border-radius: var(--radius);
  font-family: 'Inter', sans-serif;
  font-size: 0.95rem;
  color: var(--text);
  background: var(--white);
  transition: border-color var(--transition);
  outline: none;
  width: 100%;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--gold);
  background: var(--white);
}

.form-note {
  font-size: 0.8rem;
  color: var(--text-light);
  text-align: center;
  margin: 0;
}

/* Frank contact card */
.frank-contact-card {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  margin-top: 2rem;
  padding: 1.75rem;
  background: var(--cream);
  border-radius: var(--radius);
  border-left: 3px solid var(--gold);
}

.contact-headshot {
  width: 90px;
  height: 90px;
  border-radius: 50%;
  object-fit: cover;
  object-position: center 10%;
  flex-shrink: 0;
  border: 3px solid var(--gold);
}

.frank-contact-card strong {
  display: block;
  font-size: 1.15rem;
  color: var(--navy);
  margin-bottom: 0.25rem;
}

.frank-contact-card span {
  font-size: 0.95rem;
  color: var(--text-light);
}

.contact-details a {
  color: var(--slate);
  text-decoration: none;
  transition: color var(--transition);
}
.contact-details a:hover { color: var(--gold); }

/* ===================== CONTENT PAGES ===================== */
.content-section { background: var(--white); }

.content-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 4rem;
  align-items: start;
}

.content-main h2 { margin-bottom: 1.25rem; }
.content-main h3 {
  margin-top: 2rem;
  margin-bottom: 1rem;
  color: var(--navy);
}
.content-main > p { margin-bottom: 1rem; }

.styled-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  margin-bottom: 2rem;
}

.styled-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 0.95rem;
  color: var(--slate);
}

.bullet-gold { color: var(--gold); font-size: 0.75rem; margin-top: 0.3rem; flex-shrink: 0; }

.inline-quote {
  border-left: 3px solid var(--gold);
  padding: 1rem 1.5rem;
  margin: 2rem 0 0;
  background: var(--cream);
  border-radius: 0 var(--radius) var(--radius) 0;
  font-family: 'Playfair Display', serif;
  font-style: italic;
  color: var(--navy);
  font-size: 1.05rem;
  line-height: 1.65;
}

.side-card {
  background: var(--cream);
  border: 1px solid var(--cream-dark);
  border-top: 3px solid var(--gold);
  border-radius: var(--radius);
  padding: 1.75rem;
  position: sticky;
  top: 90px;
}

.simple-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}

.simple-list li {
  font-size: 0.9rem;
  color: var(--slate);
  padding-left: 1.25rem;
  position: relative;
}
.simple-list li::before {
  content: '–';
  position: absolute;
  left: 0;
  color: var(--gold);
}

/* ===================== CTA STRIP ===================== */
.cta-strip {
  background: var(--cream-dark);
  padding: 4rem 0;
  text-align: center;
}

.cta-strip h2 { margin-bottom: 0.75rem; }
.cta-strip p { margin-bottom: 1.75rem; color: var(--slate); }

/* ===================== FOOTER ===================== */
.footer {
  background: var(--navy-deep);
  padding: 3rem 0;
}

.footer-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 1.5rem;
  text-align: center;
}

.footer-logo {
  font-family: 'Playfair Display', serif;
  font-size: 1.05rem;
  color: var(--white);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.footer-links {
  display: flex;
  gap: 1.5rem;
  flex-wrap: wrap;
  justify-content: center;
}

.footer-links a {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.55);
  text-decoration: none;
  transition: color var(--transition);
}
.footer-links a:hover { color: var(--gold); }

.footer-logo-img {
  height: 60px;
  width: auto;
  background: white;
  padding: 8px 16px;
  border-radius: 6px;
}

.footer-copy {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.3);
  margin: 0;
}

/* ===================== RESPONSIVE ===================== */
@media (max-width: 900px) {
  .hero {
    flex-direction: column;
    padding: 4rem 0 3rem;
  }
  .hero-inner {
    padding: 0 2rem;
    max-width: 100%;
    text-align: center;
  }
  .hero-actions { justify-content: center; }
  .hero-photo-placeholder {
    width: 100%;
    max-width: 320px;
    padding: 2rem 2rem 0;
    margin: 0 auto;
  }
  .hero-photo-img {
    height: 380px;
    border-radius: 12px 12px 0 0;
  }

  .cards { grid-template-columns: repeat(2, 1fr); }
  .approach-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .contact-grid { grid-template-columns: 1fr; gap: 3rem; }
  .content-grid { grid-template-columns: 1fr; }
  .side-card { position: static; }
}

@media (max-width: 640px) {
  .nav-toggle { display: block; }
  .nav-links {
    display: none;
    position: absolute;
    top: 68px;
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    padding: 1rem;
    border-bottom: 1px solid var(--cream-dark);
    box-shadow: var(--shadow);
    gap: 0.25rem;
  }
  .nav-links.open { display: flex; }
  .nav-links li { width: 100%; }
  .nav-links a { display: block; padding: 0.7rem 1rem; }
  .nav-links .nav-cta { margin: 0.5rem 0 0; text-align: center; }

  section { padding: 3.5rem 0; }
  .hero-inner { padding: 0 1.25rem; }
  .container { padding: 0 1.25rem; }
}

/* ===================== INTRO BAND ===================== */
.intro-band {
  background: var(--navy);
  padding: 2.5rem 0;
  border-top: 1px solid rgba(201,168,76,0.2);
}

.intro-band-grid {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  flex-wrap: wrap;
}

.intro-stat {
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 0.75rem 3rem;
  text-align: center;
}

.stat-num {
  font-family: 'Playfair Display', serif;
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1.1;
}

.stat-label {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.6);
  margin-top: 0.3rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.intro-divider {
  width: 1px;
  height: 40px;
  background: rgba(201,168,76,0.25);
}

/* ===================== ABOUT FRANK ===================== */
.about-frank {
  background: var(--cream-dark);
  padding: 6rem 0;
}

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 5rem;
  align-items: start;
}

.about-photo-col { display: flex; flex-direction: column; gap: 1rem; }

.about-caption {
  font-size: 0.82rem;
  color: var(--text-light);
  font-style: italic;
  text-align: center;
  line-height: 1.5;
}

.about-text-col h2 { margin-bottom: 1.25rem; }
.about-text-col p { margin-bottom: 1rem; }

/* ===================== SECTION SUB ===================== */
.section-sub {
  max-width: 680px;
  margin: 0 auto 3rem;
  font-size: 1rem;
  color: var(--slate);
  line-height: 1.8;
}
.section-sub.center { text-align: center; }

/* ===================== APPROACH RIGHT ===================== */
.approach-right { display: flex; align-items: flex-start; }

.approach-callout {
  background: var(--white);
  border-radius: 12px;
  padding: 2rem;
  box-shadow: var(--shadow);
  border-top: 3px solid var(--gold);
}

.approach-callout h3 {
  margin-bottom: 1.5rem;
  font-size: 1.1rem;
}

.approach-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.approach-list li {
  display: flex;
  gap: 0.75rem;
  align-items: flex-start;
  font-size: 0.92rem;
  color: var(--slate);
  line-height: 1.6;
}

.approach-list strong { color: var(--navy); display: block; margin-bottom: 0.15rem; }

/* ===================== WHY IT MATTERS ===================== */
.why-matters { background: var(--white); }

.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  margin-top: 2.5rem;
}

.why-card {
  background: var(--cream);
  border-radius: 12px;
  padding: 2rem;
  border: 1px solid var(--cream-dark);
}

.why-card-gold {
  background: var(--navy);
  border-color: var(--gold);
}

.why-card-gold h4 { color: var(--gold); }
.why-card-gold p { color: rgba(255,255,255,0.75); }

.why-icon {
  font-size: 1.5rem;
  margin-bottom: 0.75rem;
  display: block;
  color: var(--gold);
}

.why-card h4 { margin-bottom: 0.6rem; font-size: 1rem; }
.why-card p { font-size: 0.92rem; margin: 0; }

/* ===================== HOW WE WORK ===================== */
.how-we-work { background: var(--cream-dark); }

.steps {
  display: flex;
  align-items: flex-start;
  gap: 0;
  margin-top: 3rem;
  flex-wrap: wrap;
}

.step {
  flex: 1;
  min-width: 180px;
  padding: 0 1.5rem;
  text-align: center;
}

.step-num {
  font-family: 'Playfair Display', serif;
  font-size: 2.5rem;
  font-weight: 700;
  color: var(--gold);
  opacity: 0.5;
  line-height: 1;
  margin-bottom: 0.75rem;
}

.step h4 { margin-bottom: 0.6rem; font-size: 1rem; }
.step p { font-size: 0.88rem; color: var(--slate); line-height: 1.65; }

.step-arrow {
  font-size: 1.5rem;
  color: var(--gold);
  opacity: 0.4;
  padding-top: 1rem;
  flex-shrink: 0;
}

/* ===================== FOOTER TAGLINE ===================== */
.footer-tagline {
  color: rgba(255,255,255,0.45);
  font-size: 0.82rem;
  margin: 0;
  font-style: italic;
}

/* ===================== RESPONSIVE ADDITIONS ===================== */
@media (max-width: 900px) {
  .about-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .why-grid { grid-template-columns: 1fr; }
  .steps { flex-direction: column; align-items: center; }
  .step-arrow { transform: rotate(90deg); }
  .intro-band-grid { gap: 1rem; }
  .intro-divider { display: none; }
  .approach-grid { grid-template-columns: 1fr; gap: 2.5rem; }
}

/* ===================== FRANK ABOUT IMG ===================== */
.frank-about-img {
  object-position: top center;
  max-height: 520px;
  width: 100%;
  object-fit: cover;
  border-radius: 12px;
  box-shadow: var(--shadow-lg);
}

/* ===================== FAMILY BANNER ===================== */
.family-banner {
  background: var(--navy);
  padding: 0;
  overflow: hidden;
}

.family-banner-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  min-height: 160px;
}

.family-banner-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center center;
  display: block;
  order: 2;
}

.family-banner-overlay {
  order: 1;
  position: static;
  background: var(--navy);
  padding: 1rem 2rem 1rem 5vw;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 1rem;
}

.family-banner-overlay blockquote {
  font-family: 'Playfair Display', serif;
  font-size: clamp(0.8rem, 1.4vw, 1rem);
  color: var(--white);
  font-style: italic;
  line-height: 1.6;
  border: none;
  padding: 0;
  margin: 0;
}

@media (max-width: 900px) {
  .family-banner-inner {
    grid-template-columns: 1fr;
  }
  .family-banner-img {
    order: 1;
    height: 320px;
  }
  .family-banner-overlay {
    order: 2;
    padding: 2.5rem 1.5rem;
  }
}

/* ===================== CARDS WITH STOCK PHOTOS ===================== */
.card {
  overflow: hidden;
  padding: 0;
  display: flex;
  flex-direction: column;
}

.card-stock-img {
  width: 100%;
  height: 180px;
  overflow: hidden;
}

.card-stock-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.4s ease;
}

.card:hover .card-stock-img img {
  transform: scale(1.05);
}

.card-body {
  padding: 1.75rem;
  flex: 1;
  display: flex;
  flex-direction: column;
}

.card-body p { flex: 1; }

/* ===================== PHOTO DIVIDER ===================== */
.photo-divider {
  position: relative;
  height: 380px;
  overflow: hidden;
  padding: 0;
}

.divider-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  display: block;
  filter: brightness(0.45);
}

.divider-overlay {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
}

.divider-overlay h2 {
  color: var(--white);
  font-size: clamp(1.6rem, 3.5vw, 2.8rem);
  line-height: 1.3;
  text-shadow: 0 2px 12px rgba(0,0,0,0.3);
}

/* ===================== STOCK HIGHLIGHT ===================== */
.stock-highlight {
  background: var(--white);
  padding: 6rem 0;
}

.stock-highlight-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 5rem;
  align-items: center;
}

.stock-highlight-img {
  width: 100%;
  border-radius: 12px;
  object-fit: cover;
  height: 420px;
  box-shadow: var(--shadow-lg);
}

.stock-highlight-text h2 { margin-bottom: 1.25rem; }
.stock-highlight-text p { margin-bottom: 1rem; }

/* ===================== RESPONSIVE UPDATES ===================== */
@media (max-width: 900px) {
  .family-banner { height: 360px; }
  .family-banner-overlay { max-width: 100%; background: rgba(17,25,39,0.7); }
  .stock-highlight-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .stock-highlight-img { height: 280px; }
  .photo-divider { height: 280px; }
}

/* ===================== CORE VALUES ===================== */
.values-section {
  background: var(--white);
  padding: 5rem 0 2rem;
}

.values-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  margin-top: 3rem;
}

.value-card {
  background: var(--cream);
  border-radius: 12px;
  padding: 2rem 1.75rem;
  border-top: 3px solid var(--gold);
  transition: all var(--transition);
}

.value-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}

.value-card-wide {
  grid-column: span 4;
  display: grid;
  grid-template-columns: auto 1fr 1fr;
  gap: 0 2rem;
  align-items: start;
}

.value-card-wide h3 { grid-column: 2; }
.value-card-wide .value-sub { grid-column: 2; }
.value-card-wide p:last-child { grid-column: 3; grid-row: 2 / 4; align-self: center; }

.value-icon {
  font-size: 2rem;
  margin-bottom: 1rem;
  display: block;
}

.value-card-wide .value-icon {
  grid-row: 1 / 4;
  font-size: 2.5rem;
  margin-bottom: 0;
  padding-top: 0.25rem;
}

.value-card h3 {
  font-size: 1.2rem;
  color: var(--navy);
  margin-bottom: 0.4rem;
}

.value-sub {
  font-size: 0.88rem;
  color: var(--gold);
  font-style: italic;
  font-weight: 500;
  margin-bottom: 0.75rem;
  display: block;
}

.value-card p:not(.value-sub) {
  font-size: 0.9rem;
  color: var(--slate);
  line-height: 1.7;
  margin: 0;
}

@media (max-width: 900px) {
  .values-grid { grid-template-columns: 1fr 1fr; }
  .value-card-wide {
    grid-column: span 2;
    grid-template-columns: auto 1fr;
    grid-template-rows: auto auto auto;
  }
  .value-card-wide h3 { grid-column: 2; }
  .value-card-wide .value-sub { grid-column: 2; }
  .value-card-wide p:last-child { grid-column: 1 / 3; grid-row: auto; }
}

@media (max-width: 600px) {
  .values-grid { grid-template-columns: 1fr; }
  .value-card-wide { grid-column: span 1; grid-template-columns: 1fr; }
  .value-card-wide .value-icon { grid-row: auto; margin-bottom: 1rem; }
  .value-card-wide h3,
  .value-card-wide .value-sub,
  .value-card-wide p:last-child { grid-column: 1; grid-row: auto; }
}

/* ===================== ESTATE PLANNING PAGE ===================== */
.ep-intro { background: var(--white); padding: 3rem 0; }
.ep-intro-inner { max-width: 800px; margin: 0 auto; text-align: center; }
.ep-lead {
  font-size: 1.15rem;
  color: var(--slate);
  line-height: 1.85;
  font-family: 'Playfair Display', serif;
  font-style: italic;
}

.ep-section { padding: 5rem 0; }
.ep-light { background: var(--white); }
.ep-cream { background: var(--cream-dark); }
.ep-dark { background: var(--navy); }

.ep-two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.ep-col-text h2 { margin-bottom: 1rem; }
.ep-col-text p { margin-bottom: 1rem; }
.ep-dark .ep-col-text h2 { color: var(--white); }

.ep-risk-grid {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.ep-risk-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  background: var(--cream-dark);
  padding: 0.85rem 1.25rem;
  border-radius: var(--radius);
  font-size: 0.92rem;
  color: var(--text);
  border-left: 3px solid var(--gold);
}

.ep-risk-icon { font-size: 1rem; flex-shrink: 0; }

.ep-checklist {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
}

.ep-checklist li {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 0.93rem;
  color: var(--slate);
  line-height: 1.5;
}

/* Who grid */
.ep-who-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 1.25rem;
  margin-top: 2.5rem;
}

.ep-who-card {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(201,168,76,0.3);
  border-top: 3px solid var(--gold);
  border-radius: 10px;
  padding: 1.5rem 1.25rem;
  text-align: center;
  transition: all var(--transition);
}

.ep-who-card:hover {
  background: rgba(255,255,255,0.12);
  transform: translateY(-3px);
}

.ep-who-icon { font-size: 1.75rem; margin-bottom: 0.75rem; display: block; }
.ep-who-card h4 { color: var(--white); font-size: 0.95rem; margin-bottom: 0.5rem; }
.ep-who-card p { color: rgba(255,255,255,0.65); font-size: 0.83rem; margin: 0; line-height: 1.5; }

/* Side boxes */
.ep-col-box { display: flex; }
.ep-box {
  background: var(--cream-dark);
  border-radius: 12px;
  padding: 2rem;
  border-top: 3px solid var(--gold);
  width: 100%;
}
.ep-box-icon { font-size: 2rem; margin-bottom: 0.75rem; display: block; }
.ep-box h3 { margin-bottom: 0.75rem; font-size: 1.15rem; }
.ep-box p { font-size: 0.92rem; }

/* CTA strip */
.ep-cta {
  background: var(--navy);
  padding: 4rem 0;
}

.ep-cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 3rem;
}

.ep-cta-inner h2 { color: var(--white); margin-bottom: 0.75rem; }
.ep-cta-inner p { color: rgba(255,255,255,0.7); margin: 0; }
.ep-cta-btn { white-space: nowrap; flex-shrink: 0; }

@media (max-width: 900px) {
  .ep-two-col { grid-template-columns: 1fr; gap: 2.5rem; }
  .ep-who-grid { grid-template-columns: repeat(2, 1fr); }
  .ep-who-grid .ep-who-card:last-child { grid-column: span 2; }
  .ep-cta-inner { flex-direction: column; text-align: center; }
}

@media (max-width: 600px) {
  .ep-who-grid { grid-template-columns: 1fr; }
  .ep-who-grid .ep-who-card:last-child { grid-column: span 1; }
}