/* Core Web Vitals Optimizations */
/* - font-display: swap for LCP
   - contain: layout for CLS
   - will-change for smooth animations
   - content-visibility for below-fold sections
*/

/* Reset & Base */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

:root {
  --primary: #1e3a5f;
  --primary-light: #2d5a8a;
  --accent: #e8a54b;
  --accent-dark: #d4903a;
  --secondary: #0f172a;
  --text: #334155;
  --text-light: #546478;  /* Improved contrast from #64748b */
  --text-muted: #94a3b8;  /* For decorative/less important text only */
  --text-on-dark: #cbd5e1;  /* Good contrast on dark backgrounds */
  --text-on-dark-subtle: #a1b5c9;  /* Improved from #94a3b8 for dark bg */
  --bg: #ffffff;
  --bg-alt: #f8fafc;
  --bg-warm: #fef9f3;
  --border: #e2e8f0;
  --success: #10b981;
  --danger: #ef4444;
}

body {
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, sans-serif;
  line-height: 1.6;
  color: var(--text);
  background: var(--bg);
}

.container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 20px;
}

a {
  color: var(--primary);
  text-decoration: none;
}

a:hover {
  text-decoration: underline;
}

h1, h2, h3, h4 {
  color: var(--secondary);
  line-height: 1.3;
}

.section {
  padding: 80px 0;
  /* CLS: Prevent layout shift by containing paint */
  contain: layout style;
}

/* Content visibility for below-fold sections - improves LCP */
.section:not(:first-of-type) {
  content-visibility: auto;
  contain-intrinsic-size: auto 500px;
}

.section h2 {
  text-align: center;
  font-size: 2.25rem;
  margin-bottom: 1rem;
}

.section-subtitle {
  text-align: center;
  color: var(--text-light);
  font-size: 1.125rem;
  margin-bottom: 3rem;
}

/* Buttons */
.btn {
  display: inline-block;
  padding: 14px 28px;
  border: none;
  border-radius: 8px;
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.2s;
  text-decoration: none;
}

.btn:hover {
  text-decoration: none;
  transform: translateY(-1px);
}

.btn-primary {
  background: var(--primary);
  color: white;
}

.btn-primary:hover {
  background: var(--primary-light);
}

.btn-accent {
  background: var(--accent);
  color: var(--secondary);
}

.btn-accent:hover {
  background: var(--accent-dark);
}

.btn-outline-light {
  background: transparent;
  border: 2px solid rgba(255,255,255,0.5);
  color: white;
}

.btn-outline-light:hover {
  background: rgba(255,255,255,0.1);
  border-color: white;
}

.btn-block {
  display: block;
  width: 100%;
}

.btn-large {
  padding: 18px 36px;
  font-size: 1.125rem;
}

.btn-small {
  padding: 8px 16px;
  font-size: 0.875rem;
}

.btn-danger {
  background: var(--danger);
  color: white;
}

/* Header */
.site-header {
  background: var(--secondary);
  padding: 1rem 0;
  position: sticky;
  top: 0;
  z-index: 100;
}

.site-header nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.logo {
  font-size: 1.5rem;
  font-weight: 700;
  color: white;
}

.logo:hover {
  text-decoration: none;
  color: var(--accent);
}

.nav-links {
  display: flex;
  list-style: none;
  gap: 2rem;
  align-items: center;
}

.nav-links a {
  color: #cbd5e1;
  font-weight: 500;
}

.nav-links a:hover {
  color: white;
  text-decoration: none;
}

.nav-links a.nav-highlight {
  background: linear-gradient(135deg, #e8a54b 0%, #d4903a 100%);
  color: #0f172a;
  padding: 8px 16px;
  border-radius: 6px;
  font-weight: 600;
}

.nav-links a.nav-highlight:hover {
  color: #0f172a;
  transform: translateY(-1px);
}

.lang-switch {
  margin-left: 0.5rem;
  position: relative;
}

.lang-dropdown {
  position: relative;
}

.lang-current {
  background: rgba(255,255,255,0.15);
  padding: 6px 12px;
  border-radius: 4px;
  font-size: 0.8rem;
  font-weight: 600;
  color: #cbd5e1;
  transition: all 0.2s;
  border: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 4px;
}

.lang-current:hover {
  background: rgba(255,255,255,0.25);
  color: white;
}

.lang-arrow {
  font-size: 0.6rem;
  transition: transform 0.2s;
}

.lang-dropdown:hover .lang-arrow {
  transform: rotate(180deg);
}

.lang-options {
  position: absolute;
  top: 100%;
  right: 0;
  background: #1e293b;
  border-radius: 4px;
  box-shadow: 0 4px 12px rgba(0,0,0,0.3);
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: all 0.2s;
  min-width: 60px;
  z-index: 100;
  margin-top: 4px;
}

.lang-dropdown:hover .lang-options {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.lang-options a {
  display: block;
  padding: 8px 12px;
  color: #cbd5e1;
  font-size: 0.8rem;
  font-weight: 600;
  text-decoration: none;
  transition: all 0.2s;
}

.lang-options a:hover {
  background: rgba(255,255,255,0.1);
  color: white;
}

.lang-toggle {
  background: rgba(255,255,255,0.15);
  padding: 6px 12px;
  border-radius: 4px;
  font-size: 0.8rem;
  font-weight: 600;
  color: #cbd5e1;
  transition: all 0.2s;
}

.lang-toggle:hover {
  background: rgba(255,255,255,0.25);
  color: white;
  text-decoration: none;
}

.admin-link-subtle {
  font-size: 0.7rem;
  color: rgba(255,255,255,0.3);
  margin-left: 1rem;
  padding: 4px 8px;
  transition: color 0.2s;
}

.admin-link-subtle:hover {
  color: rgba(255,255,255,0.6);
  text-decoration: none;
}

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--primary) 0%, #1e3a5f 50%, #0f172a 100%);
  color: white;
  padding: 100px 0 120px;
  text-align: center;
}

.hero-tagline {
  font-size: 1rem;
  color: var(--accent);
  margin-bottom: 1rem;
  font-weight: 500;
}

.hero h1 {
  font-size: 3.5rem;
  margin-bottom: 1.5rem;
  color: white;
  font-weight: 700;
}

.hero-subtitle {
  font-size: 1.25rem;
  color: var(--text-on-dark);
  margin-bottom: 2.5rem;
  line-height: 1.8;
}

.hero-cta {
  display: flex;
  gap: 1rem;
  justify-content: center;
  margin-bottom: 2rem;
}

.hero-trust {
  font-size: 0.9rem;
  color: var(--text-on-dark-subtle);
}

/* Problem Section */
.problem {
  background: var(--bg-alt);
}

.problem-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.5rem;
}

.problem-card {
  background: white;
  padding: 2rem;
  border-radius: 12px;
  text-align: center;
  box-shadow: 0 2px 8px rgba(0,0,0,0.06);
}

.problem-icon {
  font-size: 2.5rem;
  margin-bottom: 1rem;
}

.problem-card h3 {
  font-size: 1.125rem;
  margin-bottom: 0.5rem;
}

.problem-card p {
  color: var(--text-light);
  font-size: 0.95rem;
}

/* Solution Section */
.solution {
  background: white;
}

.solution-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.5rem;
}

.solution-card {
  padding: 2rem;
  border-radius: 12px;
  text-align: center;
}

.solution-card.highlight {
  background: var(--bg-warm);
  border: 2px solid #f5e6d3;
}

.solution-icon {
  font-size: 2.5rem;
  margin-bottom: 1rem;
}

.solution-card h3 {
  font-size: 1.125rem;
  margin-bottom: 0.5rem;
  color: var(--primary);
}

.solution-card p {
  color: var(--text-light);
  font-size: 0.95rem;
}

/* Calculator Section */
.calculator-section {
  background: var(--primary);
  color: white;
}

.calculator-section h2 {
  color: white;
}

.calculator-section .section-subtitle {
  color: #cbd5e1;
}

.calculator-box {
  max-width: 700px;
  margin: 0 auto;
  background: white;
  border-radius: 16px;
  padding: 2.5rem;
  color: var(--text);
}

.calculator-inputs {
  margin-bottom: 2rem;
}

.calculator-inputs .form-group {
  margin-bottom: 1.5rem;
}

.calculator-inputs label {
  display: block;
  font-weight: 600;
  margin-bottom: 0.75rem;
  color: var(--secondary);
}

.calculator-inputs input[type="range"] {
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: #e2e8f0;
  appearance: none;
  cursor: pointer;
}

.calculator-inputs input[type="range"]::-webkit-slider-thumb {
  appearance: none;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--accent);
  cursor: pointer;
  box-shadow: 0 2px 6px rgba(0,0,0,0.2);
}

.range-value {
  text-align: center;
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--primary);
  margin-top: 0.5rem;
}

/* Payout Options */
.payout-options {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.75rem;
  margin-bottom: 1.5rem;
}

.payout-option {
  cursor: pointer;
}

.payout-option input {
  display: none;
}

.payout-option .option-content {
  background: var(--bg-alt);
  border: 2px solid #e2e8f0;
  border-radius: 12px;
  padding: 1rem;
  text-align: center;
  transition: all 0.2s ease;
  position: relative;
}

.payout-option input:checked + .option-content {
  background: var(--bg-warm);
  border-color: var(--primary);
  box-shadow: 0 4px 12px rgba(22, 163, 74, 0.15);
}

.payout-option.popular .option-content {
  border-color: var(--accent);
}

.payout-option.popular input:checked + .option-content {
  border-color: var(--primary);
}

.option-badge {
  position: absolute;
  top: -10px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--accent);
  color: white;
  font-size: 0.65rem;
  font-weight: 700;
  padding: 0.2rem 0.5rem;
  border-radius: 10px;
  text-transform: uppercase;
}

.option-title {
  display: block;
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--secondary);
  margin-bottom: 0.25rem;
}

.option-desc {
  display: block;
  font-size: 0.75rem;
  color: var(--text-light);
}

@media (max-width: 600px) {
  .payout-options {
    grid-template-columns: 1fr;
  }
}

.calculator-results {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.result-card {
  background: var(--bg-alt);
  padding: 1.75rem 1.5rem;
  border-radius: 12px;
  text-align: center;
}

.result-card.main-result {
  background: var(--bg-warm);
  border: 2px solid var(--accent);
}

.result-label {
  display: block;
  font-size: 0.9rem;
  color: var(--text-light);
  margin-bottom: 0.25rem;
  font-weight: 500;
}

.result-value {
  display: block;
  font-size: 2.25rem;
  font-weight: 700;
  color: var(--primary);
  white-space: nowrap;
  margin: 0.75rem 0;
  line-height: 1.2;
}

.result-value.secondary {
  font-size: 1.75rem;
  margin: 0.5rem 0;
}

.result-note {
  display: block;
  font-size: 0.85rem;
  color: var(--text-light);
  margin-top: 0.75rem;
  white-space: nowrap;
  line-height: 1.4;
}

.result-value.highlight {
  color: var(--accent);
}

.result-split {
  display: flex;
  justify-content: space-around;
  gap: 1rem;
  margin-bottom: 0.5rem;
}

.result-item {
  flex: 1;
}

.earlypass-card {
  grid-column: span 2;
  background: linear-gradient(135deg, #fef3c7 0%, #fde68a 100%);
  border: 2px solid #f59e0b;
  padding: 1.5rem 2rem;
}

.earlypass-card .result-value {
  font-size: 2rem;
  margin: 1rem 0;
  color: #92400e;
}

.earlypass-card .result-note {
  margin-top: 1rem;
  color: #78350f;
}

.earlypass-badge {
  background: #f59e0b;
  color: white;
  font-size: 0.65rem;
  padding: 0.2rem 0.5rem;
  border-radius: 4px;
  margin-left: 0.5rem;
  vertical-align: middle;
  font-weight: 600;
}

@media (max-width: 600px) {
  .earlypass-card {
    grid-column: span 1;
  }

  .result-value {
    font-size: 1.5rem;
  }

  .result-value.secondary {
    font-size: 1.25rem;
  }

  .result-note {
    font-size: 0.75rem;
  }
}

.calculator-disclaimer {
  text-align: center;
  font-size: 0.8rem;
  color: var(--text-light);
  margin-top: 1.5rem;
}

/* Calculator Email Feature */
.calculator-email-box {
  background: linear-gradient(135deg, #f0f9ff 0%, #e0f2fe 100%);
  border: 2px solid #0ea5e9;
  border-radius: 12px;
  padding: 1.25rem;
  margin: 1.5rem 0;
  text-align: center;
}

.email-login-prompt {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 1rem;
  flex-wrap: wrap;
}

.email-icon {
  font-size: 1.5rem;
}

.email-text {
  color: var(--text);
  font-weight: 500;
}

.btn-google {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: white;
  color: #374151;
  border: 1px solid #e5e7eb;
  padding: 0.625rem 1.25rem;
  border-radius: 6px;
  font-weight: 500;
  text-decoration: none;
  transition: all 0.2s;
  box-shadow: 0 1px 2px rgba(0, 0, 0, 0.05);
}

.btn-google:hover {
  background: #f9fafb;
  box-shadow: 0 2px 4px rgba(0, 0, 0, 0.1);
}

.btn-google svg {
  flex-shrink: 0;
}

.email-logged-in {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 1.5rem;
  flex-wrap: wrap;
}

.logged-in-user {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.prospect-avatar {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: none;
}

.logout-link {
  font-size: 0.85rem;
  color: var(--text-light);
  margin-left: 0.5rem;
}

.email-success {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  color: #059669;
  font-weight: 500;
}

.success-icon {
  background: #059669;
  color: white;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.875rem;
}

/* Calculator Details Toggle */
.btn-outline {
  background: transparent;
  border: 2px solid var(--primary);
  color: var(--primary);
  width: 100%;
  margin-top: 1rem;
}

.btn-outline:hover {
  background: var(--primary);
  color: white;
}

/* Calculator Details Section */
.calculator-details {
  margin-top: 2rem;
  padding-top: 2rem;
  border-top: 1px solid var(--border);
}

.calculator-details h3 {
  text-align: center;
  font-size: 1.25rem;
  margin-bottom: 1.5rem;
  color: var(--secondary);
}

/* Summary Cards */
.summary-cards {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  margin-bottom: 2rem;
}

.summary-card {
  background: var(--bg-alt);
  padding: 1rem;
  border-radius: 8px;
  text-align: center;
}

.summary-card.highlight {
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
  color: var(--secondary);
}

.summary-label {
  display: block;
  font-size: 0.7rem;
  text-transform: uppercase;
  color: var(--text-light);
  margin-bottom: 0.25rem;
}

.summary-card.highlight .summary-label {
  color: var(--secondary);
  opacity: 0.8;
}

.summary-value {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--primary);
}

.summary-card.highlight .summary-value {
  color: var(--secondary);
}

/* Annuity Table */
.table-wrapper {
  overflow-x: auto;
  margin-bottom: 2rem;
}

.annuity-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
}

.annuity-table th,
.annuity-table td {
  padding: 0.75rem 0.5rem;
  text-align: center;
  border-bottom: 1px solid var(--border);
}

.annuity-table th {
  background: var(--bg-alt);
  font-weight: 600;
  color: var(--secondary);
  font-size: 0.8rem;
  text-transform: uppercase;
}

.annuity-table tr.protected-row {
  background: rgba(232, 165, 75, 0.1);
}

.annuity-table .protection-active {
  color: #10b981;
  font-weight: 600;
  font-size: 0.8rem;
}

.annuity-table .protection-partial {
  color: var(--accent-dark);
  font-size: 0.8rem;
}

.annuity-table .protection-complete {
  color: var(--text-light);
  font-size: 0.8rem;
}

.annuity-table .earlypass-value {
  color: #059669;
  font-weight: 600;
}

.annuity-table .period-cell {
  font-size: 0.75rem;
  color: var(--text-light);
  white-space: nowrap;
}

.annuity-table .continues-row td {
  padding: 1rem;
  background: var(--bg-alt);
}

/* Protection Explainer */
.protection-explainer {
  background: var(--bg-alt);
  border-radius: 12px;
  padding: 1.5rem;
  border-left: 4px solid var(--accent);
}

.protection-explainer h4 {
  font-size: 1rem;
  margin-bottom: 1rem;
  color: var(--secondary);
}

.protection-explainer ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.protection-explainer li {
  padding: 0.5rem 0;
  color: var(--text);
  font-size: 0.9rem;
  padding-left: 1.5rem;
  position: relative;
}

.protection-explainer li::before {
  content: "→";
  position: absolute;
  left: 0;
  color: var(--accent);
}

.protection-explainer li strong {
  color: var(--primary);
}

/* Responsive adjustments for calculator */
@media (max-width: 768px) {
  .summary-cards {
    grid-template-columns: repeat(2, 1fr);
  }

  .annuity-table {
    font-size: 0.8rem;
  }

  .annuity-table th,
  .annuity-table td {
    padding: 0.5rem 0.25rem;
  }

  .annuity-table .protection-active,
  .annuity-table .protection-partial,
  .annuity-table .protection-complete {
    font-size: 0.7rem;
  }
}

/* Steps Section */
.steps {
  background: var(--bg-alt);
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 2rem;
}

.step-card {
  text-align: center;
  padding: 1.5rem;
}

.step-number {
  width: 48px;
  height: 48px;
  background: var(--primary);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  font-weight: 700;
  margin: 0 auto 1rem;
}

.step-card h3 {
  font-size: 1.125rem;
  margin-bottom: 0.5rem;
}

.step-card p {
  color: var(--text-light);
  font-size: 0.95rem;
}

/* Trust Section */
.trust {
  background: white;
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
  max-width: 900px;
  margin: 0 auto;
}

.trust-item {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
}

.trust-icon {
  width: 32px;
  height: 32px;
  background: var(--success);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  flex-shrink: 0;
}

.trust-item h4 {
  font-size: 1rem;
  margin-bottom: 0.25rem;
}

.trust-item p {
  color: var(--text-light);
  font-size: 0.9rem;
}

/* Contact Section */
.contact-section {
  background: var(--bg-alt);
}

.contact-form {
  max-width: 500px;
  margin: 0 auto;
  background: white;
  padding: 2rem;
  border-radius: 12px;
  box-shadow: 0 4px 12px rgba(0,0,0,0.08);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

.form-group {
  margin-bottom: 1.25rem;
}

.form-group label {
  display: block;
  font-weight: 500;
  margin-bottom: 0.5rem;
}

.form-group input,
.form-group textarea,
.form-group select {
  width: 100%;
  padding: 12px;
  border: 1px solid var(--border);
  border-radius: 6px;
  font-size: 1rem;
  font-family: inherit;
}

.form-group input:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(30, 58, 95, 0.1);
}

.form-group.checkbox label {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  cursor: pointer;
  font-weight: 400;
  font-size: 0.9rem;
}

.form-group.checkbox input {
  width: auto;
  margin-top: 3px;
}

/* FAQ Section */
.faq {
  background: white;
}

.faq-list {
  max-width: 700px;
  margin: 0 auto;
}

.faq-item {
  padding: 1.5rem 0;
  border-bottom: 1px solid var(--border);
}

.faq-item:last-child {
  border-bottom: none;
}

.faq-item h4 {
  font-size: 1.1rem;
  margin-bottom: 0.5rem;
  color: var(--primary);
}

.faq-item p {
  color: var(--text-light);
}

/* News Section */
.news-section {
  background: var(--bg-alt);
}

.news-list {
  max-width: 700px;
  margin: 0 auto;
}

.news-item {
  background: white;
  padding: 1.5rem;
  border-radius: 12px;
  margin-bottom: 1rem;
  box-shadow: 0 2px 8px rgba(0,0,0,0.06);
}

.news-meta {
  display: flex;
  gap: 1rem;
  margin-bottom: 0.5rem;
}

.news-version {
  background: var(--primary);
  color: white;
  padding: 2px 8px;
  border-radius: 4px;
  font-size: 0.75rem;
  font-weight: 600;
}

.news-size {
  padding: 2px 8px;
  border-radius: 4px;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
}

.news-size.size-xs {
  background: #e0e0e0;
  color: #666;
}

.news-size.size-s {
  background: #c8e6c9;
  color: #2e7d32;
}

.news-size.size-m {
  background: #fff3e0;
  color: #e65100;
}

.news-size.size-l {
  background: #ffccbc;
  color: #bf360c;
}

.news-size.size-xl {
  background: #f8bbd9;
  color: #880e4f;
}

.news-date {
  color: var(--text-light);
  font-size: 0.875rem;
}

.news-item h3 {
  font-size: 1.125rem;
  margin-bottom: 0.75rem;
  color: var(--secondary);
}

.news-changes {
  list-style: none;
  padding: 0;
}

.news-changes li {
  color: var(--text-light);
  font-size: 0.9rem;
  padding: 0.25rem 0;
  padding-left: 1.25rem;
  position: relative;
}

.news-changes li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--success);
  font-weight: bold;
}

.site-footer .version {
  color: #64748b;
  font-size: 0.8rem;
}

/* Voices Section - Senior Quotes */
.voices {
  background: var(--bg-warm);
}

.quotes-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
  margin-top: 2rem;
}

.quote-card {
  background: white;
  padding: 1.5rem;
  border-radius: 12px;
  box-shadow: 0 2px 8px rgba(0,0,0,0.06);
  position: relative;
}

.quote-mark {
  font-size: 4rem;
  color: var(--accent);
  line-height: 1;
  opacity: 0.3;
  position: absolute;
  top: 0.5rem;
  left: 1rem;
}

.quote-text {
  font-size: 1rem;
  color: var(--text);
  font-style: italic;
  line-height: 1.6;
  margin-bottom: 1rem;
  padding-left: 0.5rem;
}

.quote-attribution {
  font-size: 0.85rem;
  color: var(--text-light);
  display: block;
  text-align: right;
}

/* Investor Voices Section */
.investor-voices {
  background: linear-gradient(135deg, #1e3a5f 0%, #0f172a 100%);
}

.investor-voices h2 {
  color: white;
}

.investor-voices .section-subtitle {
  color: var(--text-on-dark-subtle);
}

.investor-quote {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
}

.investor-quote .quote-mark {
  color: #3b82f6;
}

.investor-quote .quote-text {
  color: #e2e8f0;
}

.investor-quote .quote-attribution {
  color: var(--text-on-dark-subtle);
}

/* Investor Protection Section */
.investor-protection {
  background: #0f172a;
  color: white;
}

.investor-protection h2 {
  color: white;
}

.investor-protection .section-subtitle {
  color: var(--text-on-dark-subtle);
}

.investor-protection .protection-card {
  background: rgba(59, 130, 246, 0.1);
  border-color: rgba(59, 130, 246, 0.2);
}

.investor-protection .protection-note {
  color: var(--text-on-dark-subtle);
  border-top-color: rgba(59, 130, 246, 0.2);
}

/* Legal Protection Section */
.legal-protection {
  background: linear-gradient(135deg, #0f172a 0%, #1e3a5f 100%);
  color: white;
}

.legal-protection h2 {
  color: white;
}

.legal-protection .section-subtitle {
  color: #cbd5e1;
}

.protection-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 1.5rem;
  margin-bottom: 2rem;
}

.protection-card {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 12px;
  padding: 1.5rem;
  text-align: center;
}

.protection-icon {
  font-size: 2.5rem;
  margin-bottom: 1rem;
}

.protection-card h3 {
  color: white;
  font-size: 1.125rem;
  margin-bottom: 0.5rem;
}

.protection-card p {
  color: var(--text-on-dark-subtle);
  font-size: 0.95rem;
}

.protection-note {
  text-align: center;
  color: var(--text-on-dark-subtle);
  font-size: 0.9rem;
  font-style: italic;
  max-width: 700px;
  margin: 0 auto;
  padding-top: 1rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

/* Audience Badges */
.section-badge {
  display: inline-block;
  padding: 6px 16px;
  border-radius: 20px;
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 1rem;
}

.rentier-badge {
  background: linear-gradient(135deg, #fef3c7 0%, #fde68a 100%);
  color: #92400e;
}

.investor-badge {
  background: linear-gradient(135deg, #dbeafe 0%, #93c5fd 100%);
  color: #1e40af;
}

.audience-anchor {
  scroll-margin-top: 80px;
}

/* Hero Dual CTA */
.hero-dual {
  padding-bottom: 80px;
}

.hero-dual-cta {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  max-width: 800px;
  margin: 0 auto;
}

.hero-cta-box {
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 16px;
  padding: 2rem;
  text-align: center;
  transition: all 0.3s ease;
}

.hero-cta-box:hover {
  background: rgba(255, 255, 255, 0.15);
  transform: translateY(-4px);
}

.hero-cta-box .cta-icon {
  font-size: 2.5rem;
  margin-bottom: 0.75rem;
}

.hero-cta-box h3 {
  color: white;
  font-size: 1.25rem;
  margin-bottom: 0.5rem;
}

.hero-cta-box p {
  color: var(--text-on-dark);
  font-size: 0.95rem;
  margin-bottom: 1.25rem;
}

.hero-cta-box.rentier {
  border-color: rgba(232, 165, 75, 0.4);
}

.hero-cta-box.investor {
  border-color: rgba(59, 130, 246, 0.4);
}

/* Investor Section */
.investor-section {
  background: linear-gradient(135deg, #0f172a 0%, #1e3a5f 100%);
  color: white;
}

.investor-section h2 {
  color: white;
}

.investor-section .section-subtitle {
  color: var(--text-on-dark);
}

.investor-content {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}

.investor-benefits {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.benefit-card {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  padding: 1rem;
  background: rgba(255, 255, 255, 0.05);
  border-radius: 12px;
  border: 1px solid rgba(255, 255, 255, 0.1);
}

.benefit-icon {
  font-size: 1.75rem;
  flex-shrink: 0;
}

.benefit-card h4 {
  color: white;
  font-size: 1rem;
  margin-bottom: 0.25rem;
}

.benefit-card p {
  color: var(--text-on-dark-subtle);
  font-size: 0.9rem;
}

.investor-map-preview {
  position: relative;
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.5);
  z-index: 1;  /* Keep below sticky header (z-index: 100) */
}

#miniMap {
  width: 100%;
  height: 350px;
}

.map-overlay {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  background: linear-gradient(to top, rgba(15, 23, 42, 0.95), rgba(15, 23, 42, 0.7), transparent);
  padding: 2rem;
  text-align: center;
}

.map-stats {
  display: flex;
  justify-content: center;
  gap: 2rem;
  margin-bottom: 1rem;
}

.map-stat {
  text-align: center;
}

.stat-number {
  display: block;
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--accent);
}

.stat-label {
  display: block;
  font-size: 0.75rem;
  color: var(--text-on-dark-subtle);
  text-transform: uppercase;
}

/* Dual CTA Final Section */
.cta-dual {
  background: linear-gradient(135deg, var(--secondary) 0%, #1e3a5f 100%);
  padding: 80px 0;
}

.cta-dual-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  max-width: 900px;
  margin: 0 auto;
}

.cta-box {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 16px;
  padding: 2.5rem;
  text-align: center;
}

.cta-box h3 {
  color: white;
  font-size: 1.5rem;
  margin-bottom: 0.75rem;
}

.cta-box p {
  color: var(--text-on-dark);
  margin-bottom: 1.5rem;
}

/* Final CTA */
.cta-final {
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
  color: var(--secondary);
  padding: 80px 0;
  text-align: center;
}

.cta-final h2 {
  font-size: 2rem;
  margin-bottom: 0.5rem;
  color: var(--secondary);
}

.cta-final p {
  margin-bottom: 1.5rem;
  opacity: 0.8;
}

/* Footer */
.site-footer {
  background: var(--secondary);
  color: #94a3b8;
  padding: 2rem 0;
  text-align: center;
}

.site-footer a {
  color: #cbd5e1;
}

.footer-links {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 1.5rem;
  margin-bottom: 1.5rem;
  padding-bottom: 1rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-links a {
  font-size: 0.9rem;
  transition: color 0.2s;
}

.footer-links a:hover {
  color: #fff;
  text-decoration: none;
}

.footer-tech {
  margin-top: 1.5rem;
  padding-top: 1rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  font-size: 0.8rem;
  opacity: 0.7;
}

.footer-tech:hover {
  opacity: 1;
}

.footer-tech .tech-attribution {
  margin-bottom: 0.5rem;
}

.footer-tech .tech-attribution a {
  text-decoration: none;
  transition: color 0.2s;
}

.footer-tech .tech-attribution a:hover {
  color: #fff;
  text-decoration: underline;
}

.footer-tech .license-note {
  font-size: 0.75rem;
}

.footer-tech .license-note a {
  text-decoration: underline;
}

/* Alert */
.alert {
  padding: 1rem;
  border-radius: 6px;
  margin-bottom: 1rem;
}

.alert-error {
  background: #fef2f2;
  color: var(--danger);
  border: 1px solid #fecaca;
}

.alert-success {
  background: #f0fdf4;
  color: #166534;
  border: 1px solid #bbf7d0;
}

/* Thank you page */
.thank-you {
  text-align: center;
  padding: 100px 0;
}

.thank-you h1 {
  font-size: 2.5rem;
  margin-bottom: 1rem;
}

.thank-you p {
  color: var(--text-light);
  font-size: 1.125rem;
  margin-bottom: 2rem;
}

/* 404 */
.error-page {
  text-align: center;
  padding: 100px 0;
}

.error-page h1 {
  font-size: 6rem;
  color: var(--primary);
}

.error-page p {
  font-size: 1.5rem;
  margin-bottom: 2rem;
  color: var(--text-light);
}

/* Admin styles (keep existing) */
.login-page {
  min-height: 100vh;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--bg-alt);
}

.login-box {
  background: white;
  padding: 2.5rem;
  border-radius: 12px;
  box-shadow: 0 10px 25px -5px rgba(0, 0, 0, 0.1);
  width: 100%;
  max-width: 400px;
}

.login-box h1 {
  text-align: center;
  margin-bottom: 1.5rem;
}

.admin-section {
  padding: 40px 0;
}

.admin-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 2rem;
}

.admin-table {
  width: 100%;
  border-collapse: collapse;
  background: white;
  border-radius: 8px;
  overflow: hidden;
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.1);
}

.admin-table th,
.admin-table td {
  padding: 1rem;
  text-align: left;
  border-bottom: 1px solid var(--border);
}

.admin-table th {
  background: var(--bg-alt);
  font-weight: 600;
}

.status-badge {
  display: inline-block;
  padding: 4px 10px;
  border-radius: 20px;
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
}

.status-badge.published {
  background: #d1fae5;
  color: #065f46;
}

.status-badge.draft {
  background: #fef3c7;
  color: #92400e;
}

/* Partner/Bank Section */
.partner-section {
  background: linear-gradient(135deg, #1e3a5f 0%, #0f172a 100%);
  color: white;
}

.partner-section h2 {
  color: white;
}

.partner-section .section-subtitle {
  color: var(--text-on-dark-subtle);
}

.partner-badge {
  background: linear-gradient(135deg, #fbbf24 0%, #f59e0b 100%);
  color: #1f2937;
}

.partner-content {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  margin-bottom: 2rem;
}

.partner-metrics {
  grid-column: span 2;
}

.partner-metrics h3,
.partner-variants h3,
.partner-actuarial h3 {
  color: white;
  font-size: 1.25rem;
  margin-bottom: 1rem;
  text-align: center;
}

.metrics-subtitle {
  text-align: center;
  color: var(--text-on-dark-subtle);
  font-size: 0.9rem;
  margin-bottom: 1.5rem;
}

.metrics-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
}

.metric-card {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 12px;
  padding: 1.5rem 1rem;
  text-align: center;
}

.metric-value {
  display: block;
  font-size: 1.75rem;
  font-weight: 700;
  color: #fbbf24;
  margin-bottom: 0.5rem;
}

.metric-label {
  display: block;
  font-size: 0.9rem;
  font-weight: 600;
  color: white;
  margin-bottom: 0.25rem;
}

.metric-desc {
  display: block;
  font-size: 0.75rem;
  color: var(--text-on-dark-subtle);
}

.partner-variants {
  background: rgba(255, 255, 255, 0.03);
  border-radius: 12px;
  padding: 1.5rem;
}

.variants-table {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.variant-row {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 1rem;
  padding: 0.75rem 1rem;
  border-radius: 8px;
  align-items: center;
}

.variant-row.header {
  font-weight: 600;
  color: var(--text-on-dark-subtle);
  font-size: 0.8rem;
  text-transform: uppercase;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  padding-bottom: 0.75rem;
}

.variant-row:not(.header) {
  background: rgba(255, 255, 255, 0.05);
}

.variant-row.popular {
  background: rgba(251, 191, 36, 0.15);
  border: 1px solid rgba(251, 191, 36, 0.3);
}

.popular-tag {
  color: #fbbf24;
  margin-left: 0.25rem;
}

.yield-badge {
  background: rgba(16, 185, 129, 0.2);
  color: #10b981;
  padding: 0.25rem 0.5rem;
  border-radius: 4px;
  font-weight: 600;
  font-size: 0.9rem;
  text-align: center;
}

.yield-badge.high {
  background: rgba(251, 191, 36, 0.2);
  color: #fbbf24;
}

.partner-actuarial {
  background: rgba(255, 255, 255, 0.03);
  border-radius: 12px;
  padding: 1.5rem;
}

.actuarial-list {
  list-style: none;
  padding: 0;
  margin: 0;
}

.actuarial-list li {
  padding: 0.75rem 0;
  color: var(--text-on-dark);
  font-size: 0.95rem;
  padding-left: 1.5rem;
  position: relative;
  border-bottom: 1px solid rgba(255, 255, 255, 0.05);
}

.actuarial-list li:last-child {
  border-bottom: none;
}

.actuarial-list li::before {
  content: "📊";
  position: absolute;
  left: 0;
}

.partner-cta {
  text-align: center;
  margin: 2rem 0 1rem;
}

.partner-note {
  text-align: center;
  color: var(--text-on-dark-subtle);
  font-size: 0.8rem;
  font-style: italic;
  max-width: 700px;
  margin: 0 auto;
}

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

  .partner-metrics {
    grid-column: span 1;
  }

  .metrics-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .variant-row {
    font-size: 0.85rem;
  }
}

/* Blog Styles */
.blog-header {
  background: linear-gradient(135deg, var(--primary) 0%, var(--secondary) 100%);
  color: white;
  padding: 60px 0;
  text-align: center;
}

.blog-header h1 {
  color: white;
  font-size: 2.5rem;
  margin-bottom: 0.5rem;
}

.blog-header .section-subtitle {
  color: var(--text-on-dark);
}

.blog-content {
  padding: 40px 0 80px;
}

.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 2rem;
}

.blog-card {
  background: white;
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 4px 6px rgba(0,0,0,0.1);
  transition: transform 0.2s, box-shadow 0.2s;
}

.blog-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 25px rgba(0,0,0,0.15);
}

.blog-card-image {
  width: 100%;
  height: 180px;
  object-fit: cover;
}

.blog-card-image-placeholder {
  width: 100%;
  height: 180px;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-size: 1.5rem;
  font-weight: 700;
}

.blog-card-content {
  padding: 1.5rem;
}

.blog-card-category {
  display: inline-block;
  background: var(--bg-alt);
  color: var(--primary);
  padding: 0.25rem 0.75rem;
  border-radius: 20px;
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  margin-bottom: 0.75rem;
}

.blog-card-content h2 {
  font-size: 1.25rem;
  margin-bottom: 0.75rem;
  line-height: 1.4;
}

.blog-card-content h2 a {
  color: var(--secondary);
  text-decoration: none;
}

.blog-card-content h2 a:hover {
  color: var(--primary);
}

.blog-card-content p {
  color: var(--text-light);
  font-size: 0.9rem;
  margin-bottom: 1rem;
  line-height: 1.6;
}

.blog-card-meta {
  display: flex;
  gap: 1rem;
  font-size: 0.8rem;
  color: var(--text-muted);
  margin-bottom: 1rem;
}

.blog-empty {
  text-align: center;
  padding: 60px 20px;
}

.blog-empty h2 {
  margin-bottom: 1rem;
}

.blog-empty p {
  color: var(--text-light);
  margin-bottom: 2rem;
}

/* Blog Article Page */
.blog-article {
  padding: 40px 0 80px;
}

.breadcrumb {
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-bottom: 1.5rem;
}

.breadcrumb a {
  color: var(--text-light);
}

.breadcrumb a:hover {
  color: var(--primary);
}

/* Blog post hero image */
.article-hero {
  width: 100%;
  max-height: 400px;
  overflow: hidden;
  margin-bottom: 0;
}

.article-hero-image {
  width: 100%;
  height: 400px;
  object-fit: cover;
  object-position: center;
}

@media (max-width: 768px) {
  .article-hero-image {
    height: 250px;
  }
}

.article-header {
  margin-bottom: 2rem;
  padding-bottom: 2rem;
  border-bottom: 1px solid var(--border);
}

.article-category {
  display: inline-block;
  background: var(--accent);
  color: var(--secondary);
  padding: 0.35rem 1rem;
  border-radius: 20px;
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  margin-bottom: 1rem;
}

.article-header h1 {
  font-size: 2.25rem;
  margin-bottom: 1rem;
  line-height: 1.3;
}

.article-meta {
  display: flex;
  gap: 1.5rem;
  color: var(--text-light);
  font-size: 0.9rem;
}

.article-content {
  max-width: 720px;
  font-size: 1.1rem;
  line-height: 1.8;
}

.article-content h2 {
  font-size: 1.75rem;
  margin: 2rem 0 1rem;
}

.article-content h3 {
  font-size: 1.35rem;
  margin: 1.5rem 0 0.75rem;
}

.article-content p {
  margin-bottom: 1.25rem;
}

.article-content ul, .article-content ol {
  margin: 1rem 0 1.5rem 1.5rem;
}

.article-content li {
  margin-bottom: 0.5rem;
}

.article-content blockquote {
  border-left: 4px solid var(--accent);
  padding-left: 1.5rem;
  margin: 1.5rem 0;
  font-style: italic;
  color: var(--text-light);
}

.article-content table {
  width: 100%;
  border-collapse: collapse;
  margin: 1.5rem 0;
}

.article-content th, .article-content td {
  padding: 0.75rem;
  border: 1px solid var(--border);
  text-align: left;
}

.article-content th {
  background: var(--bg-alt);
  font-weight: 600;
}

/* Article sharing */
.article-share {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 1.5rem 0;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  margin: 2rem 0;
}

.share-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  color: white;
  transition: transform 0.2s;
}

.share-btn:hover {
  transform: scale(1.1);
  text-decoration: none;
}

.share-facebook { background: #1877f2; }
.share-twitter { background: #000; }
.share-linkedin { background: #0a66c2; }

/* Article CTA */
.article-cta {
  background: linear-gradient(135deg, var(--primary) 0%, var(--secondary) 100%);
  color: white;
  padding: 2rem;
  border-radius: 12px;
  text-align: center;
  margin: 2rem 0;
}

.article-cta h3 {
  color: white;
  margin-bottom: 0.5rem;
}

.article-cta p {
  color: var(--text-on-dark);
  margin-bottom: 1.5rem;
}

/* Related articles */
.related-articles {
  margin-top: 3rem;
  padding-top: 2rem;
  border-top: 1px solid var(--border);
}

.related-articles h3 {
  margin-bottom: 1.5rem;
}

.related-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(250px, 1fr));
  gap: 1rem;
}

.related-card {
  display: block;
  padding: 1.25rem;
  background: var(--bg-alt);
  border-radius: 8px;
  text-decoration: none;
  transition: background 0.2s;
}

.related-card:hover {
  background: var(--border);
  text-decoration: none;
}

.related-card h4 {
  font-size: 1rem;
  color: var(--secondary);
  margin-bottom: 0.5rem;
}

.related-date {
  font-size: 0.8rem;
  color: var(--text-muted);
}

/* Responsive */
@media (max-width: 768px) {
  .hero h1 {
    font-size: 2.25rem;
  }

  .hero-cta {
    flex-direction: column;
    align-items: center;
  }

  .hero-dual-cta {
    grid-template-columns: 1fr;
  }

  .nav-links {
    gap: 1rem;
    flex-wrap: wrap;
    justify-content: flex-end;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .calculator-results {
    grid-template-columns: 1fr;
  }

  .investor-content {
    grid-template-columns: 1fr;
  }

  .investor-map-preview {
    order: -1;
  }

  #miniMap {
    height: 250px;
  }

  .map-stats {
    gap: 1rem;
  }

  .cta-dual-grid {
    grid-template-columns: 1fr;
  }

  .section {
    padding: 60px 0;
  }

  .section h2 {
    font-size: 1.75rem;
  }

  .segments-grid {
    grid-template-columns: 1fr;
  }
}

/* ========================================
   RENTIER-FOCUSED HERO (v1.0 Pivot)
   ======================================== */

.hero-rentier {
  padding-bottom: 60px;
  text-align: center;
}

.hero-badge {
  display: inline-block;
  background: rgba(232, 165, 75, 0.2);
  color: var(--accent);
  padding: 8px 20px;
  border-radius: 20px;
  font-size: 0.9rem;
  font-weight: 600;
  margin-bottom: 1rem;
  border: 1px solid rgba(232, 165, 75, 0.3);
}

.hero-primary-cta {
  margin: 2rem 0;
}

.hero-primary-cta .btn-large {
  font-size: 1.2rem;
  padding: 18px 40px;
}

.hero-cta-note {
  color: var(--text-on-dark-subtle);
  font-size: 1rem;
  margin-top: 1rem;
}

.hero-secondary {
  margin-top: 2rem;
}

.link-subtle {
  color: var(--text-on-dark-subtle);
  font-size: 0.95rem;
  transition: color 0.2s;
}

.link-subtle:hover {
  color: white;
  text-decoration: none;
}

/* ========================================
   TARGET SEGMENTS SECTION
   ======================================== */

.segments {
  background: var(--bg-warm);
}

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

.segment-card {
  background: white;
  border-radius: 12px;
  padding: 1.5rem;
  text-align: center;
  border: 2px solid transparent;
  transition: all 0.3s ease;
}

.segment-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
}

.segment-card.highlight {
  border-color: var(--accent);
  background: linear-gradient(135deg, #fef9f3 0%, white 100%);
}

.segment-icon {
  font-size: 2.5rem;
  margin-bottom: 1rem;
}

.segment-card h3 {
  font-size: 1.1rem;
  margin-bottom: 0.75rem;
}

.segment-card p {
  color: var(--text-light);
  font-size: 0.9rem;
  line-height: 1.5;
}

/* ========================================
   ENHANCED PARTNER SECTION
   ======================================== */

.partner-intro {
  background: rgba(232, 165, 75, 0.15);
  border-radius: 12px;
  padding: 2rem;
  margin-bottom: 3rem;
  text-align: center;
  border-left: 4px solid var(--accent);
}

.partner-intro h3 {
  color: #b8860b;  /* Darker gold for better contrast */
  margin-bottom: 0.75rem;
}

.partner-intro p {
  color: #1f2937;  /* Darker text for better contrast on warm bg */
  max-width: 700px;
  margin: 0 auto;
  line-height: 1.7;
}

.partner-fund-concept,
.partner-distribution {
  margin-bottom: 3rem;
}

.partner-fund-concept h3,
.partner-distribution h3 {
  text-align: center;
  margin-bottom: 0.5rem;
}

.fund-subtitle {
  text-align: center;
  color: var(--text-light);
  margin-bottom: 2rem;
}

.fund-grid,
.distribution-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}

@media (max-width: 1024px) {
  .fund-grid,
  .distribution-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 600px) {
  .fund-grid,
  .distribution-grid {
    /* Horizontal scroll carousel on mobile */
    display: flex;
    overflow-x: auto;
    scroll-snap-type: x mandatory;
    -webkit-overflow-scrolling: touch;
    gap: 1rem;
    padding-bottom: 1rem;
    margin: 0 -20px;
    padding-left: 20px;
    padding-right: 20px;
  }

  .fund-grid > *,
  .distribution-grid > * {
    flex: 0 0 85%;
    scroll-snap-align: start;
    min-width: 260px;
  }

  /* Hide scrollbar but keep functionality */
  .fund-grid::-webkit-scrollbar,
  .distribution-grid::-webkit-scrollbar {
    height: 4px;
  }

  .fund-grid::-webkit-scrollbar-track,
  .distribution-grid::-webkit-scrollbar-track {
    background: rgba(255, 255, 255, 0.1);
    border-radius: 2px;
  }

  .fund-grid::-webkit-scrollbar-thumb,
  .distribution-grid::-webkit-scrollbar-thumb {
    background: rgba(255, 255, 255, 0.3);
    border-radius: 2px;
  }
}

.fund-card,
.distribution-card {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 12px;
  padding: 1.5rem;
  text-align: center;
}

.fund-icon,
.distribution-icon {
  font-size: 2rem;
  margin-bottom: 0.75rem;
}

.fund-card h4,
.distribution-card h4 {
  color: white;
  font-size: 1rem;
  margin-bottom: 0.5rem;
}

.fund-card p,
.distribution-card p {
  color: var(--text-on-dark-subtle);
  font-size: 0.85rem;
  line-height: 1.5;
}

/* Partner Vision Quote */
.partner-vision {
  background: linear-gradient(135deg, rgba(232, 165, 75, 0.15) 0%, rgba(232, 165, 75, 0.05) 100%);
  border-radius: 16px;
  padding: 2.5rem;
  margin-bottom: 3rem;
  text-align: center;
  border: 1px solid rgba(232, 165, 75, 0.3);
}

.partner-vision blockquote {
  font-size: 1.25rem;
  font-style: italic;
  color: white;
  line-height: 1.7;
  margin: 0 0 1rem 0;
  max-width: 800px;
  margin-left: auto;
  margin-right: auto;
}

.partner-vision cite {
  color: var(--accent);
  font-size: 0.95rem;
  font-style: normal;
  font-weight: 600;
}

/* Partner Impact Section */
.partner-impact {
  margin-bottom: 3rem;
}

.partner-impact h3 {
  text-align: center;
  color: white;
  margin-bottom: 2rem;
}

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

@media (max-width: 1024px) {
  .impact-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 600px) {
  .impact-grid {
    /* Horizontal scroll carousel on mobile */
    display: flex;
    overflow-x: auto;
    scroll-snap-type: x mandatory;
    -webkit-overflow-scrolling: touch;
    gap: 1rem;
    padding-bottom: 1rem;
    margin: 0 -20px;
    padding-left: 20px;
    padding-right: 20px;
  }

  .impact-grid > * {
    flex: 0 0 85%;
    scroll-snap-align: start;
    min-width: 260px;
  }

  .impact-grid::-webkit-scrollbar {
    height: 4px;
  }

  .impact-grid::-webkit-scrollbar-track {
    background: rgba(255, 255, 255, 0.1);
    border-radius: 2px;
  }

  .impact-grid::-webkit-scrollbar-thumb {
    background: rgba(16, 185, 129, 0.4);
    border-radius: 2px;
  }
}

.impact-card {
  background: rgba(16, 185, 129, 0.1);
  border: 1px solid rgba(16, 185, 129, 0.2);
  border-radius: 12px;
  padding: 1.5rem;
  text-align: center;
}

.impact-icon {
  font-size: 2rem;
  margin-bottom: 0.75rem;
}

.impact-card h4 {
  color: #10b981;
  font-size: 1rem;
  margin-bottom: 0.5rem;
}

.impact-card p {
  color: var(--text-on-dark-subtle);
  font-size: 0.85rem;
  line-height: 1.5;
}

@media (max-width: 768px) {
  .partner-vision blockquote {
    font-size: 1.1rem;
  }
}

/* ========================================
   STANDALONE PARTNERS PAGE
   ======================================== */

.partner-hero {
  background: linear-gradient(135deg, #0f172a 0%, #1e3a5f 100%);
  color: white;
  text-align: center;
  padding: 100px 0 60px;
}

.partner-hero h1 {
  color: white;
  font-size: 2.5rem;
  margin-bottom: 1rem;
}

.partner-hero .hero-subtitle {
  color: var(--text-on-dark-subtle);
  font-size: 1.2rem;
}

.partner-vision-section {
  background: linear-gradient(135deg, #0f172a 0%, #1e3a5f 100%);
  padding-top: 0;
}

.partner-vision.standalone {
  max-width: 900px;
  margin: 0 auto;
}

.partner-problem {
  background: var(--bg-alt);
}

.partner-intro.standalone {
  max-width: 800px;
  margin: 0 auto;
  text-align: center;
  background: white;
  padding: 3rem;
  border-radius: 16px;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
}

.partner-intro.standalone h2 {
  color: var(--accent-dark);
  margin-bottom: 1rem;
}

.partner-impact-section {
  background: white;
}

.partner-impact-section h2 {
  text-align: center;
  margin-bottom: 2rem;
}

.impact-grid.standalone {
  max-width: 1000px;
  margin: 0 auto;
}

.impact-card.standalone {
  background: var(--bg-alt);
  border: 1px solid var(--border);
}

.impact-card.standalone h4 {
  color: var(--success);
}

.impact-card.standalone p {
  color: var(--text);
}

.partner-fund-section {
  background: linear-gradient(135deg, #0f172a 0%, #1e3a5f 100%);
  color: white;
}

.partner-fund-section h2 {
  color: white;
}

.partner-fund-section .section-subtitle {
  color: var(--text-on-dark-subtle);
}

.fund-grid.standalone {
  max-width: 1000px;
  margin: 0 auto;
}

.partner-opportunity {
  background: var(--bg-alt);
}

.partner-opportunity h2 {
  text-align: center;
  margin-bottom: 2rem;
}

.distribution-grid.standalone {
  max-width: 1000px;
  margin: 0 auto;
}

.distribution-card.standalone {
  background: white;
  border: 1px solid var(--border);
}

.distribution-card.standalone h4 {
  color: var(--secondary);
}

.distribution-card.standalone p {
  color: var(--text);
}

.partner-metrics-section {
  background: white;
}

.partner-metrics-section h2 {
  text-align: center;
}

.metrics-grid.standalone {
  max-width: 900px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}

.metric-card.standalone {
  background: var(--bg-alt);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 1.5rem;
  text-align: center;
}

.partner-variants-section {
  background: var(--bg-alt);
}

.partner-variants-section h2 {
  text-align: center;
  margin-bottom: 2rem;
}

.variants-table.standalone {
  max-width: 600px;
  margin: 0 auto;
}

.partner-actuarial-section {
  background: white;
}

.partner-actuarial-section h2 {
  text-align: center;
  margin-bottom: 2rem;
}

.actuarial-list.standalone {
  max-width: 600px;
  margin: 0 auto;
  list-style: none;
  padding: 0;
}

.actuarial-list.standalone li {
  padding: 1rem;
  background: var(--bg-alt);
  margin-bottom: 0.5rem;
  border-radius: 8px;
  border-left: 4px solid var(--primary);
}

.partner-cta-section {
  background: linear-gradient(135deg, #0f172a 0%, #1e3a5f 100%);
  color: white;
}

.partner-cta-box {
  text-align: center;
  max-width: 700px;
  margin: 0 auto;
}

.partner-cta-box h2 {
  color: white;
  margin-bottom: 1rem;
}

.partner-cta-box p {
  color: var(--text-on-dark-subtle);
  margin-bottom: 2rem;
}

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

/* ========================================
   LIFETIME GUARANTEE BOX
   ======================================== */

.lifetime-guarantee-box {
  background: linear-gradient(135deg, #ecfdf5 0%, #d1fae5 100%);
  border: 2px solid #10b981;
  border-radius: 12px;
  padding: 1.5rem 2rem;
  margin-top: 2rem;
}

.lifetime-guarantee-box h4 {
  color: #065f46;
  font-size: 1.1rem;
  margin-bottom: 1rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.lifetime-guarantee-box h4::before {
  content: '∞';
  font-size: 1.5rem;
  color: #10b981;
}

.lifetime-guarantee-box ul {
  list-style: none;
  padding: 0;
  margin: 0 0 1rem 0;
}

.lifetime-guarantee-box li {
  padding: 0.5rem 0;
  padding-left: 1.5rem;
  position: relative;
  color: #064e3b;
  line-height: 1.5;
}

.lifetime-guarantee-box li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: #10b981;
  font-weight: bold;
}

.philosophy-note {
  font-style: italic;
  color: #047857;
  font-size: 0.9rem;
  border-top: 1px solid #a7f3d0;
  padding-top: 1rem;
  margin: 0;
}

.lifetime-reminder {
  background: linear-gradient(135deg, #ecfdf5 0%, #d1fae5 100%);
  border-left: 4px solid #10b981;
  padding: 1rem 1.25rem;
  margin: 1.5rem 0;
  font-size: 0.95rem;
  color: #065f46;
  border-radius: 0 8px 8px 0;
}

/* ========================================
   LUMP SUM INFO BOX
   ======================================== */

.lumpsum-info-box {
  background: linear-gradient(135deg, #fef3c7 0%, #fde68a 100%);
  border: 2px solid #f59e0b;
  border-radius: 12px;
  padding: 1.5rem 2rem;
  margin-top: 2rem;
}

.lumpsum-info-box h4 {
  color: #92400e;
  font-size: 1.1rem;
  margin-bottom: 1rem;
}

.lumpsum-info-box p {
  color: #78350f;
  font-size: 0.95rem;
  margin-bottom: 1rem;
  line-height: 1.5;
}

.lumpsum-info-box ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.lumpsum-info-box li {
  padding: 0.4rem 0;
  color: #78350f;
  font-size: 0.95rem;
}