/* ============================================
   Wealth Advisory - CRS & Insurance Solution
   Design System & Global Styles
   ============================================ */

/* ---------- Design Tokens ---------- */
:root {
  /* Color Palette - Deep Navy & Gold on Pure White */
  --color-navy-900: #050d1a;
  --color-navy-800: #0a1628;
  --color-navy-700: #12223d;
  --color-navy-600: #1a2f52;
  --color-navy-500: #2a4365;
  --color-navy-400: #3d5a80;
  --color-navy-300: #5a7da8;
  --color-navy-200: #8ba8cc;
  --color-navy-100: #c5d3e4;
  --color-navy-50: #eef2f7;

  --color-gold-500: #c9a962;
  --color-gold-400: #d8bd7e;
  --color-gold-300: #e6d2a0;
  --color-gold-600: #b0904a;
  --color-gold-700: #8f7339;
  --color-gold-50: #fdf8ee;

  --color-cream: #fafaf7;
  --color-white: #ffffff;
  --color-slate-50: #f8f9fb;
  --color-slate-100: #f1f3f6;
  --color-slate-200: #e4e8ed;
  --color-slate-300: #cbd2da;
  --color-slate-400: #9aa3b0;
  --color-slate-500: #6b7584;
  --color-slate-600: #4a5564;
  --color-slate-700: #374151;
  --color-slate-800: #1f2937;
  --color-slate-900: #111827;

  --color-red-500: #dc2626;
  --color-red-600: #b91c1c;
  --color-red-50: #fef2f2;
  --color-red-700: #991b1b;

  --color-green-600: #059669;
  --color-green-500: #10b981;
  --color-green-50: #ecfdf5;

  /* Typography */
  --font-serif: 'Noto Serif SC', 'Source Han Serif SC', 'Songti SC', Georgia, serif;
  --font-sans: 'Noto Sans SC', 'Source Han Sans SC', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-display: 'DM Serif Display', 'Noto Serif SC', Georgia, serif;
  --font-mono: 'JetBrains Mono', 'SF Mono', 'Consolas', monospace;

  /* Spacing */
  --space-xs: 0.5rem;
  --space-sm: 1rem;
  --space-md: 1.5rem;
  --space-lg: 2.5rem;
  --space-xl: 4rem;
  --space-2xl: 6rem;
  --space-3xl: 8rem;
  --space-section: 7.5rem;

  /* Radius */
  --radius-sm: 4px;
  --radius-md: 8px;
  --radius-lg: 12px;
  --radius-xl: 20px;

  /* Shadows */
  --shadow-sm: 0 1px 2px rgba(10, 22, 40, 0.04), 0 1px 3px rgba(10, 22, 40, 0.06);
  --shadow-md: 0 4px 6px -1px rgba(10, 22, 40, 0.06), 0 2px 4px -2px rgba(10, 22, 40, 0.04);
  --shadow-lg: 0 10px 15px -3px rgba(10, 22, 40, 0.08), 0 4px 6px -4px rgba(10, 22, 40, 0.05);
  --shadow-xl: 0 20px 25px -5px rgba(10, 22, 40, 0.1), 0 8px 10px -6px rgba(10, 22, 40, 0.06);
  --shadow-2xl: 0 25px 50px -12px rgba(10, 22, 40, 0.18);

  /* Transition */
  --ease-out: cubic-bezier(0.16, 1, 0.3, 1);
  --ease-in-out: cubic-bezier(0.65, 0, 0.35, 1);
  --duration-fast: 150ms;
  --duration-base: 300ms;
  --duration-slow: 500ms;

  /* Container */
  --container-max: 1200px;
  --nav-height: 72px;
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: var(--font-sans);
  font-weight: 400;
  line-height: 1.7;
  color: var(--color-slate-700);
  background: var(--color-white);
  overflow-x: hidden;
}

img, svg {
  display: block;
  max-width: 100%;
}

a {
  color: inherit;
  text-decoration: none;
}

button {
  font-family: inherit;
  cursor: pointer;
  border: none;
  background: none;
  color: inherit;
}

input, select, textarea {
  font-family: inherit;
  font-size: inherit;
}

/* ---------- Layout ---------- */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 var(--space-lg);
}

.section {
  padding: var(--space-section) 0;
  position: relative;
}

.section--light {
  background: var(--color-slate-50);
}

.section--dark {
  background: var(--color-navy-800);
  color: var(--color-navy-100);
}

.section--gold {
  background: linear-gradient(180deg, #fafaf7 0%, #f5f1e8 100%);
}

.section--contact {
  background: var(--color-white);
}

.section-header {
  max-width: 720px;
  margin-bottom: var(--space-2xl);
}

.section-header--center {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

.section-header--light .section-title {
  color: var(--color-white);
}

.section-header--light .section-desc {
  color: var(--color-navy-200);
}

.section-number {
  font-family: var(--font-mono);
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--color-gold-500);
  letter-spacing: 0.1em;
  margin-bottom: var(--space-sm);
  display: flex;
  align-items: center;
  gap: var(--space-sm);
}

.section-number::after {
  content: '';
  display: block;
  width: 40px;
  height: 1px;
  background: var(--color-gold-500);
}

.section-number--light {
  color: var(--color-gold-400);
}

.section-number--light::after {
  background: var(--color-gold-400);
}

.section-title {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: clamp(1.75rem, 3.5vw, 2.75rem);
  line-height: 1.25;
  color: var(--color-navy-800);
  letter-spacing: -0.01em;
  margin-bottom: var(--space-md);
  text-wrap: pretty;
}

.section-desc {
  font-size: 1.0625rem;
  color: var(--color-slate-600);
  line-height: 1.8;
  text-wrap: pretty;
}

/* ---------- Navigation ---------- */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  height: var(--nav-height);
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid transparent;
  z-index: 100;
  transition: all var(--duration-base) var(--ease-out);
}

.nav.scrolled {
  border-bottom-color: var(--color-slate-200);
  background: rgba(255, 255, 255, 0.95);
  box-shadow: var(--shadow-sm);
}

.nav-inner {
  max-width: var(--container-max);
  height: 100%;
  margin: 0 auto;
  padding: 0 var(--space-lg);
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 0.625rem;
}

.nav-logo-mark {
  width: 36px;
  height: 36px;
  background: var(--color-navy-800);
  color: var(--color-gold-400);
  font-family: var(--font-display);
  font-size: 1.125rem;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-sm);
  letter-spacing: -0.02em;
}

.nav-logo-text {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1rem;
  color: var(--color-navy-800);
  letter-spacing: 0.02em;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: var(--space-lg);
}

.nav-link {
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--color-slate-600);
  transition: color var(--duration-fast) var(--ease-out);
  position: relative;
}

.nav-link:hover {
  color: var(--color-navy-800);
}

.nav-link.nav-cta {
  background: var(--color-navy-800);
  color: var(--color-white);
  padding: 0.625rem 1.25rem;
  border-radius: var(--radius-sm);
  font-size: 0.9375rem;
  font-weight: 500;
  transition: all var(--duration-fast) var(--ease-out);
}

.nav-link.nav-cta:hover {
  background: var(--color-navy-700);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 4px;
  padding: 8px;
}

.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--color-navy-800);
  border-radius: 2px;
  transition: all var(--duration-fast) var(--ease-out);
}

/* ---------- Hero Section ---------- */
.hero {
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding-top: var(--nav-height);
  position: relative;
  overflow: hidden;
  background: var(--color-white);
}

.hero-container {
  position: relative;
  z-index: 2;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.625rem;
  padding: 0.5rem 1rem;
  background: var(--color-navy-50);
  border: 1px solid var(--color-navy-100);
  border-radius: 100px;
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--color-navy-600);
  letter-spacing: 0.03em;
  margin-bottom: var(--space-lg);
}

.eyebrow-dot {
  width: 6px;
  height: 6px;
  background: var(--color-gold-500);
  border-radius: 50%;
  animation: pulse 2s ease-in-out infinite;
}

@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.6; transform: scale(1.3); }
}

.hero-title {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: clamp(2.5rem, 5.5vw, 4.5rem);
  line-height: 1.15;
  color: var(--color-navy-800);
  letter-spacing: -0.02em;
  margin-bottom: var(--space-md);
  max-width: 900px;
  text-wrap: balance;
}

.hero-title-accent {
  color: var(--color-navy-800);
  position: relative;
  display: inline-block;
}

.hero-title-accent::after {
  content: '';
  position: absolute;
  bottom: 0.08em;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--color-gold-500);
  opacity: 0.6;
  border-radius: 2px;
}

.hero-subtitle {
  font-size: clamp(1rem, 1.6vw, 1.25rem);
  color: var(--color-slate-600);
  line-height: 1.8;
  max-width: 680px;
  margin-bottom: var(--space-2xl);
  text-wrap: pretty;
}

.hero-stats {
  display: flex;
  align-items: stretch;
  gap: 0;
  max-width: 900px;
  background: var(--color-white);
  border: 1px solid var(--color-slate-200);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}

.stat-card {
  flex: 1;
  padding: var(--space-lg) var(--space-md);
  text-align: center;
}

.stat-number {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 400;
  color: var(--color-navy-800);
  line-height: 1;
  margin-bottom: var(--space-xs);
  letter-spacing: -0.02em;
}

.stat-number--small {
  font-size: clamp(1.5rem, 3vw, 2.25rem);
  letter-spacing: -0.01em;
}

.stat-number-unit {
  font-size: 0.45em;
  font-family: var(--font-sans);
  font-weight: 500;
  color: var(--color-slate-500);
  margin-left: 0.25em;
  vertical-align: middle;
}

.stat-label {
  font-size: 0.8125rem;
  color: var(--color-slate-500);
  font-weight: 400;
  line-height: 1.4;
}

.stat-divider {
  width: 1px;
  background: var(--color-slate-200);
  margin: var(--space-md) 0;
}

.hero-scroll {
  position: absolute;
  bottom: var(--space-xl);
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-sm);
  font-size: 0.75rem;
  color: var(--color-slate-400);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  z-index: 2;
}

.scroll-line {
  width: 1px;
  height: 40px;
  background: linear-gradient(180deg, transparent, var(--color-slate-300));
  position: relative;
  overflow: hidden;
}

.scroll-line::after {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 16px;
  background: var(--color-gold-500);
  animation: scrollDown 2s ease-in-out infinite;
}

@keyframes scrollDown {
  0% { top: -16px; }
  100% { top: 100%; }
}

.hero-bg-grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(10, 22, 40, 0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(10, 22, 40, 0.04) 1px, transparent 1px);
  background-size: 80px 80px;
  mask-image: radial-gradient(ellipse at 50% 40%, black 30%, transparent 70%);
  -webkit-mask-image: radial-gradient(ellipse at 50% 40%, black 30%, transparent 70%);
  z-index: 1;
}

.hero-bg-glow {
  position: absolute;
  top: -200px;
  right: -100px;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(201, 169, 98, 0.08) 0%, transparent 70%);
  z-index: 1;
  pointer-events: none;
}

/* ---------- CRS Flow Section ---------- */
.crs-flow {
  width: 100%;
  padding: var(--space-2xl) 0;
}

.crs-flow-diagram {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-md);
  position: relative;
  flex-wrap: wrap;
}

.crs-node {
  flex: 1;
  min-width: 140px;
  max-width: 200px;
  background: var(--color-white);
  border: 1px solid var(--color-slate-200);
  border-radius: var(--radius-md);
  padding: var(--space-md);
  text-align: center;
  cursor: pointer;
  transition: all var(--duration-base) var(--ease-out);
  position: relative;
  z-index: 2;
}

.crs-node:hover,
.crs-node.active {
  border-color: var(--color-gold-500);
  box-shadow: var(--shadow-lg), 0 0 0 3px rgba(201, 169, 98, 0.1);
  transform: translateY(-2px);
}

.crs-node-icon {
  width: 56px;
  height: 56px;
  margin: 0 auto var(--space-sm);
  background: var(--color-navy-50);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-navy-700);
  transition: all var(--duration-base) var(--ease-out);
}

.crs-node:hover .crs-node-icon,
.crs-node.active .crs-node-icon {
  background: var(--color-gold-500);
  color: var(--color-white);
}

.crs-node-icon svg {
  width: 28px;
  height: 28px;
}

.crs-node-title {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1rem;
  color: var(--color-navy-800);
  margin-bottom: 0.25rem;
}

.crs-node-subtitle {
  font-size: 0.75rem;
  color: var(--color-slate-500);
}

.crs-connector {
  flex: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  min-width: 32px;
  position: relative;
  z-index: 1;
}

.crs-connector-line {
  width: 100%;
  height: 2px;
  background: var(--color-slate-200);
  position: relative;
  overflow: hidden;
  min-width: 32px;
}

.crs-connector-line::before {
  content: '';
  position: absolute;
  top: 0;
  left: -30%;
  width: 30%;
  height: 100%;
  background: linear-gradient(90deg, transparent, var(--color-gold-500), transparent);
  animation: dataFlow 2s linear infinite;
}

@keyframes dataFlow {
  0% { left: -30%; }
  100% { left: 100%; }
}

.crs-connector-arrow {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 20px;
  height: 20px;
  background: var(--color-white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-slate-400);
  border: 1px solid var(--color-slate-200);
}

.crs-connector-arrow svg {
  width: 12px;
  height: 12px;
}

.crs-node-tooltip {
  position: absolute;
  bottom: calc(100% + 12px);
  left: 50%;
  transform: translateX(-50%) translateY(4px);
  background: var(--color-navy-800);
  color: var(--color-white);
  padding: var(--space-sm) var(--space-md);
  border-radius: var(--radius-md);
  font-size: 0.8125rem;
  line-height: 1.6;
  min-width: 220px;
  max-width: 280px;
  text-align: left;
  opacity: 0;
  visibility: hidden;
  transition: all var(--duration-base) var(--ease-out);
  z-index: 10;
  pointer-events: none;
  box-shadow: var(--shadow-xl);
}

.crs-node-tooltip::after {
  content: '';
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%);
  border: 6px solid transparent;
  border-top-color: var(--color-navy-800);
}

.crs-node:hover .crs-node-tooltip,
.crs-node.active .crs-node-tooltip {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}

.crs-tooltip-title {
  font-family: var(--font-serif);
  font-weight: 600;
  color: var(--color-gold-400);
  margin-bottom: 0.375rem;
  font-size: 0.875rem;
}

.crs-tooltip-body {
  color: var(--color-navy-100);
}

.crs-fields {
  margin-top: var(--space-xl);
  background: var(--color-white);
  border: 1px solid var(--color-slate-200);
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
  box-shadow: var(--shadow-sm);
}

.crs-fields-title {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.125rem;
  color: var(--color-navy-800);
  margin-bottom: var(--space-md);
  display: flex;
  align-items: center;
  gap: var(--space-sm);
}

.crs-fields-title::before {
  content: '';
  width: 3px;
  height: 1.125rem;
  background: var(--color-gold-500);
  border-radius: 2px;
}

.crs-fields-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: var(--space-sm);
}

.crs-field-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.625rem var(--space-sm);
  background: var(--color-slate-50);
  border-radius: var(--radius-sm);
  font-size: 0.875rem;
  color: var(--color-slate-700);
  transition: background var(--duration-fast) var(--ease-out);
}

.crs-field-item:hover {
  background: var(--color-navy-50);
  color: var(--color-navy-700);
}

.crs-field-dot {
  width: 6px;
  height: 6px;
  background: var(--color-gold-500);
  border-radius: 50%;
  flex-shrink: 0;
}

.crs-facts {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-lg);
  margin-top: var(--space-2xl);
  padding-top: var(--space-2xl);
  border-top: 1px solid var(--color-slate-200);
}

.crs-fact {
  display: flex;
  gap: var(--space-md);
  align-items: flex-start;
}

.crs-fact-year {
  font-family: var(--font-display);
  font-size: 2.5rem;
  color: var(--color-navy-800);
  line-height: 1;
  letter-spacing: -0.02em;
  flex-shrink: 0;
  min-width: 80px;
}

.crs-fact-text {
  font-size: 0.9375rem;
  color: var(--color-slate-600);
  line-height: 1.7;
  padding-top: 0.375rem;
}

/* ---------- Calculator Section ---------- */
.calc-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-2xl);
  align-items: start;
}

.calc-inputs {
  background: var(--color-white);
  border: 1px solid var(--color-slate-200);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  box-shadow: var(--shadow-sm);
}

.calc-input-group {
  margin-bottom: var(--space-lg);
}

.calc-input-group:last-child {
  margin-bottom: 0;
}

.calc-label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: var(--space-sm);
}

.calc-label-text {
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--color-slate-700);
}

.calc-label-value {
  font-family: var(--font-display);
  font-size: 1.5rem;
  color: var(--color-navy-800);
  font-weight: 400;
  line-height: 1;
}

.calc-label-unit {
  font-size: 0.875rem;
  font-family: var(--font-sans);
  font-weight: 400;
  color: var(--color-slate-500);
  margin-left: 0.125em;
}

.calc-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 3px;
  background: var(--color-slate-200);
  outline: none;
  transition: background var(--duration-fast) var(--ease-out);
}

.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--color-white);
  border: 3px solid var(--color-navy-700);
  cursor: pointer;
  box-shadow: var(--shadow-sm);
  transition: all var(--duration-fast) var(--ease-out);
}

.calc-slider::-webkit-slider-thumb:hover {
  border-color: var(--color-gold-500);
  transform: scale(1.1);
}

.calc-slider::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--color-white);
  border: 3px solid var(--color-navy-700);
  cursor: pointer;
  box-shadow: var(--shadow-sm);
}

.calc-slider-ticks {
  display: flex;
  justify-content: space-between;
  margin-top: 0.375rem;
  font-size: 0.75rem;
  color: var(--color-slate-400);
}

.calc-results {
  background: var(--color-navy-800);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  color: var(--color-white);
  box-shadow: var(--shadow-xl);
  position: relative;
  overflow: hidden;
}

.calc-results::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -100px;
  width: 300px;
  height: 300px;
  background: radial-gradient(circle, rgba(201, 169, 98, 0.1) 0%, transparent 70%);
  pointer-events: none;
}

.calc-results-header {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.25rem;
  color: var(--color-white);
  margin-bottom: var(--space-lg);
  position: relative;
  z-index: 1;
}

.calc-result-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: var(--space-md) 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  position: relative;
  z-index: 1;
}

.calc-result-item:last-of-type {
  border-bottom: none;
}

.calc-result-label {
  font-size: 0.9375rem;
  color: var(--color-navy-200);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.calc-result-label svg {
  width: 16px;
  height: 16px;
  opacity: 0.6;
}

.calc-result-value {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 400;
  color: var(--color-white);
  line-height: 1;
}

.calc-result-value.unit {
  font-size: 0.875rem;
  font-family: var(--font-sans);
  font-weight: 400;
  color: var(--color-navy-200);
  margin-left: 0.25em;
}

.calc-result-highlight {
  margin-top: var(--space-lg);
  padding: var(--space-lg);
  background: rgba(201, 169, 98, 0.12);
  border: 1px solid rgba(201, 169, 98, 0.3);
  border-radius: var(--radius-md);
  position: relative;
  z-index: 1;
}

.calc-highlight-label {
  font-size: 0.875rem;
  color: var(--color-gold-400);
  margin-bottom: 0.375rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.calc-highlight-value {
  font-family: var(--font-display);
  font-size: 2.5rem;
  color: var(--color-gold-400);
  line-height: 1;
  letter-spacing: -0.02em;
}

.calc-highlight-sub {
  font-size: 0.8125rem;
  color: var(--color-navy-200);
  margin-top: 0.5rem;
}

.calc-warning {
  margin-top: var(--space-md);
  padding: var(--space-sm) var(--space-md);
  background: rgba(220, 38, 38, 0.1);
  border: 1px solid rgba(220, 38, 38, 0.2);
  border-radius: var(--radius-sm);
  font-size: 0.8125rem;
  color: #fca5a5;
  display: flex;
  gap: 0.5rem;
  align-items: flex-start;
  position: relative;
  z-index: 1;
}

.calc-warning svg {
  width: 16px;
  height: 16px;
  flex-shrink: 0;
  margin-top: 1px;
}

.disclaimer-inline {
  display: flex;
  align-items: flex-start;
  gap: var(--space-sm);
  margin-top: var(--space-lg);
  padding: var(--space-md);
  background: var(--color-slate-50);
  border-radius: var(--radius-md);
  font-size: 0.8125rem;
  color: var(--color-slate-500);
  max-width: 720px;
}

.disclaimer-icon {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  margin-top: 1px;
  color: var(--color-slate-400);
}

/* ---------- Trust Penetration Section ---------- */
.trust-penetration {
  padding: var(--space-2xl) 0;
  text-align: center;
  position: relative;
}

.trust-architecture {
  display: inline-flex;
  flex-direction: column;
  align-items: center;
  gap: 0;
  position: relative;
}

.trust-layer {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-md);
  padding: var(--space-md) var(--space-xl);
  position: relative;
  transition: all var(--duration-slow) var(--ease-out);
  cursor: pointer;
  backdrop-filter: blur(4px);
  min-width: 320px;
}

.trust-layer:hover {
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(201, 169, 98, 0.4);
}

.trust-layer.penetrated {
  opacity: 0.35;
  transform: scale(0.96);
  filter: blur(0.5px);
}

.trust-layer-revealed {
  background: rgba(201, 169, 98, 0.15);
  border-color: var(--color-gold-500);
  box-shadow: 0 0 40px rgba(201, 169, 98, 0.2);
  transform: scale(1.05);
}

.trust-layer-label {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.125rem;
  color: var(--color-white);
  margin-bottom: 0.25rem;
}

.trust-layer-desc {
  font-size: 0.8125rem;
  color: var(--color-navy-200);
}

.trust-layer-target {
  margin-top: var(--space-md);
}

.trust-target-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.625rem;
  padding: var(--space-sm) var(--space-md);
  background: var(--color-gold-500);
  color: var(--color-navy-800);
  border-radius: 100px;
  font-weight: 600;
  font-size: 0.9375rem;
  opacity: 0;
  transform: translateY(10px);
  transition: all var(--duration-slow) var(--ease-out);
}

.trust-target-badge.revealed {
  opacity: 1;
  transform: translateY(0);
}

.trust-target-badge svg {
  width: 18px;
  height: 18px;
}

.trust-penetrate-btn {
  margin-top: var(--space-xl);
  padding: 0.75rem 2rem;
  background: transparent;
  border: 1px solid var(--color-gold-500);
  color: var(--color-gold-400);
  border-radius: 100px;
  font-size: 0.9375rem;
  font-weight: 500;
  transition: all var(--duration-base) var(--ease-out);
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
}

.trust-penetrate-btn:hover {
  background: var(--color-gold-500);
  color: var(--color-navy-800);
}

.trust-penetrate-btn svg {
  width: 16px;
  height: 16px;
}

.trust-key-points {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: var(--space-lg);
  margin-top: var(--space-2xl);
  padding-top: var(--space-2xl);
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.trust-point {
  padding: var(--space-lg);
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-md);
  transition: all var(--duration-base) var(--ease-out);
}

.trust-point:hover {
  background: rgba(255, 255, 255, 0.06);
  border-color: rgba(201, 169, 98, 0.3);
  transform: translateY(-2px);
}

.trust-point-icon {
  width: 44px;
  height: 44px;
  background: rgba(201, 169, 98, 0.15);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-gold-400);
  margin-bottom: var(--space-md);
}

.trust-point-icon svg {
  width: 22px;
  height: 22px;
}

.trust-point h3 {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.0625rem;
  color: var(--color-white);
  margin-bottom: 0.5rem;
}

.trust-point p {
  font-size: 0.875rem;
  color: var(--color-navy-200);
  line-height: 1.7;
}

/* ---------- Comparison Table ---------- */
.comparison-wrapper {
  background: var(--color-white);
  border: 1px solid var(--color-slate-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.comparison-header {
  display: grid;
  grid-template-columns: 1.2fr 1fr 1fr;
  padding: var(--space-lg) var(--space-xl);
  background: var(--color-navy-800);
  color: var(--color-white);
  align-items: center;
}

.comparison-header-label {
  font-size: 0.875rem;
  color: var(--color-navy-200);
  text-transform: uppercase;
  letter-spacing: 0.1em;
}

.comparison-header-hk,
.comparison-header-us {
  text-align: center;
}

.comparison-header-title {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.25rem;
  color: var(--color-white);
}

.comparison-header-sub {
  font-size: 0.75rem;
  color: var(--color-navy-200);
  margin-top: 0.25rem;
}

.comparison-header-us .comparison-header-title {
  color: var(--color-gold-400);
}

.comparison-body {
  padding: 0;
}

.comparison-row {
  display: grid;
  grid-template-columns: 1.2fr 1fr 1fr;
  padding: var(--space-md) var(--space-xl);
  border-bottom: 1px solid var(--color-slate-100);
  align-items: center;
  cursor: pointer;
  transition: background var(--duration-fast) var(--ease-out);
}

.comparison-row:last-child {
  border-bottom: none;
}

.comparison-row:hover {
  background: var(--color-slate-50);
}

.comparison-row.expanded {
  background: var(--color-navy-50);
}

.comparison-dim {
  font-weight: 600;
  font-size: 0.9375rem;
  color: var(--color-navy-800);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.comparison-dim-icon {
  width: 32px;
  height: 32px;
  background: var(--color-slate-100);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-navy-600);
  flex-shrink: 0;
}

.comparison-dim-icon svg {
  width: 16px;
  height: 16px;
}

.comparison-expand-icon {
  margin-left: auto;
  color: var(--color-slate-400);
  transition: transform var(--duration-fast) var(--ease-out);
}

.comparison-row.expanded .comparison-expand-icon {
  transform: rotate(180deg);
}

.comparison-expand-icon svg {
  width: 16px;
  height: 16px;
}

.comparison-cell {
  text-align: center;
  font-size: 0.9375rem;
  color: var(--color-slate-600);
  padding: 0 var(--space-sm);
}

.comparison-cell.hk {
  color: var(--color-slate-700);
}

.comparison-cell.us {
  color: var(--color-navy-700);
  font-weight: 500;
}

.comparison-cell.positive {
  color: var(--color-green-600);
}

.comparison-cell.negative {
  color: var(--color-red-600);
}

.comparison-detail {
  grid-column: 1 / -1;
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--duration-slow) var(--ease-out), padding var(--duration-slow) var(--ease-out);
  padding: 0 var(--space-xl);
}

.comparison-row.expanded .comparison-detail {
  max-height: 300px;
  padding: 0 var(--space-xl) var(--space-md);
}

.comparison-detail-inner {
  display: grid;
  grid-template-columns: 1.2fr 1fr 1fr;
  gap: var(--space-md);
  padding-top: var(--space-md);
  border-top: 1px solid var(--color-slate-200);
}

.comparison-detail-block {
  font-size: 0.8125rem;
  color: var(--color-slate-600);
  line-height: 1.7;
}

.comparison-detail-label {
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--color-slate-400);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 0.375rem;
}

.comparison-detail-block.us .comparison-detail-label {
  color: var(--color-gold-600);
}

/* ---------- Path Diagram ---------- */
.path-diagram {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-md);
  position: relative;
  margin-bottom: var(--space-2xl);
}

.path-step {
  background: var(--color-white);
  border: 1px solid var(--color-slate-200);
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
  cursor: pointer;
  transition: all var(--duration-base) var(--ease-out);
  position: relative;
}

.path-step:hover,
.path-step.active {
  border-color: var(--color-gold-500);
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}

.path-step-number {
  width: 40px;
  height: 40px;
  background: var(--color-navy-800);
  color: var(--color-gold-400);
  font-family: var(--font-display);
  font-size: 1.25rem;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-md);
  transition: all var(--duration-base) var(--ease-out);
}

.path-step:hover .path-step-number,
.path-step.active .path-step-number {
  background: var(--color-gold-500);
  color: var(--color-navy-800);
}

.path-step-title {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.0625rem;
  color: var(--color-navy-800);
  margin-bottom: 0.5rem;
}

.path-step-desc {
  font-size: 0.875rem;
  color: var(--color-slate-500);
  line-height: 1.6;
}

.path-step-detail {
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--duration-slow) var(--ease-out), margin-top var(--duration-slow) var(--ease-out);
}

.path-step.active .path-step-detail {
  max-height: 400px;
  margin-top: var(--space-md);
}

.path-step-detail-inner {
  padding-top: var(--space-md);
  border-top: 1px solid var(--color-slate-200);
  font-size: 0.8125rem;
  color: var(--color-slate-600);
  line-height: 1.7;
}

.path-step-detail-inner ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.path-step-detail-inner li {
  position: relative;
  padding-left: 1rem;
  margin-bottom: 0.375rem;
}

.path-step-detail-inner li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.65em;
  width: 4px;
  height: 4px;
  background: var(--color-gold-500);
  border-radius: 50%;
}

.path-warning {
  display: flex;
  gap: var(--space-md);
  padding: var(--space-lg);
  background: #fffbeb;
  border: 1px solid #fde68a;
  border-radius: var(--radius-md);
  align-items: flex-start;
}

.path-warning-icon {
  width: 44px;
  height: 44px;
  flex-shrink: 0;
  background: #fef3c7;
  color: #d97706;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
}

.path-warning-icon svg {
  width: 22px;
  height: 22px;
}

.path-warning-content h4 {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1rem;
  color: #92400e;
  margin-bottom: 0.375rem;
}

.path-warning-content p {
  font-size: 0.875rem;
  color: #78350f;
  line-height: 1.7;
}

/* ---------- Advantages Section ---------- */
.advantages-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-lg);
}

.advantage-card {
  background: var(--color-white);
  border: 1px solid var(--color-slate-200);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  transition: all var(--duration-base) var(--ease-out);
}

.advantage-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-xl);
  border-color: var(--color-gold-300);
}

.advantage-icon {
  width: 56px;
  height: 56px;
  background: linear-gradient(135deg, var(--color-navy-800), var(--color-navy-600));
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-gold-400);
  margin-bottom: var(--space-md);
}

.advantage-icon svg {
  width: 28px;
  height: 28px;
}

.advantage-card h3 {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.125rem;
  color: var(--color-navy-800);
  margin-bottom: 0.5rem;
}

.advantage-card p {
  font-size: 0.875rem;
  color: var(--color-slate-500);
  line-height: 1.7;
}

/* ---------- Chief Advisor Section ---------- */
.advisor-hero {
  display: grid;
  grid-template-columns: 40% 60%;
  gap: var(--space-2xl);
  align-items: center;
  margin-bottom: var(--space-2xl);
}

.advisor-photo-wrap {
  position: relative;
  max-width: 380px;
  margin: 0 auto;
}

.advisor-photo-frame {
  position: absolute;
  top: -12px;
  left: -12px;
  right: 12px;
  bottom: 12px;
  border: 1px solid var(--color-gold-500);
  border-radius: var(--radius-lg);
  z-index: 0;
}

.advisor-photo {
  position: relative;
  z-index: 1;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-2xl);
  aspect-ratio: 2 / 3;
  background: var(--color-slate-100);
}

.advisor-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  display: block;
}

.advisor-photo-badge {
  position: absolute;
  bottom: -16px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 2;
  background: var(--color-white);
  border: 1px solid var(--color-gold-500);
  padding: 0.5rem 1.25rem;
  border-radius: 100px;
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--color-navy-800);
  display: flex;
  align-items: center;
  gap: 0.5rem;
  white-space: nowrap;
  box-shadow: var(--shadow-md);
}

.badge-dot {
  width: 6px;
  height: 6px;
  background: var(--color-gold-500);
  border-radius: 50%;
  flex-shrink: 0;
}

.advisor-subtitle {
  font-family: var(--font-mono);
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--color-gold-600);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: var(--space-sm);
}

.advisor-name {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: clamp(2rem, 3.5vw, 3rem);
  line-height: 1.15;
  color: var(--color-navy-800);
  letter-spacing: -0.01em;
  margin-bottom: var(--space-xs);
}

.advisor-name span {
  color: var(--color-slate-500);
  font-size: 0.65em;
  font-weight: 500;
  margin-left: 0.25em;
  vertical-align: middle;
}

.advisor-title {
  font-size: 1rem;
  color: var(--color-slate-600);
  font-weight: 500;
  margin-bottom: var(--space-lg);
  padding-bottom: var(--space-md);
  border-bottom: 1px solid var(--color-slate-200);
}

.advisor-bio {
  font-size: 1rem;
  color: var(--color-slate-600);
  line-height: 1.85;
  margin-bottom: var(--space-xl);
  text-wrap: pretty;
}

.advisor-bio strong {
  color: var(--color-navy-700);
  font-weight: 600;
}

.advisor-quote {
  position: relative;
  padding: var(--space-lg) var(--space-xl);
  background: var(--color-slate-50);
  border-left: 3px solid var(--color-gold-500);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  margin-bottom: var(--space-xl);
}

.quote-mark {
  font-family: var(--font-display);
  font-size: 4rem;
  color: var(--color-gold-500);
  line-height: 0.5;
  margin-bottom: var(--space-sm);
  opacity: 0.5;
}

.quote-text {
  font-family: var(--font-serif);
  font-size: 1.375rem;
  font-weight: 600;
  color: var(--color-navy-800);
  line-height: 1.4;
  font-style: italic;
  margin-bottom: 0.5rem;
}

.quote-text span {
  color: var(--color-gold-600);
}

.quote-sub {
  font-size: 0.875rem;
  color: var(--color-slate-500);
  line-height: 1.7;
}

.advisor-dimensions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-sm);
}

.dim-tag {
  padding: 0.5rem 1.25rem;
  background: var(--color-white);
  border: 1px solid var(--color-gold-500);
  color: var(--color-navy-700);
  border-radius: 100px;
  font-size: 0.875rem;
  font-weight: 500;
  letter-spacing: 0.02em;
  transition: all var(--duration-fast) var(--ease-out);
}

.dim-tag:hover {
  background: var(--color-gold-500);
  color: var(--color-navy-800);
}

/* Expertise Cards */
.advisor-expertise {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-lg);
  margin: var(--space-2xl) 0;
  padding-top: var(--space-2xl);
  border-top: 1px solid var(--color-slate-200);
}

.expertise-card {
  background: var(--color-white);
  border: 1px solid var(--color-slate-200);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  transition: all var(--duration-base) var(--ease-out);
}

.expertise-card:hover {
  border-color: var(--color-gold-500);
  box-shadow: var(--shadow-xl);
  transform: translateY(-4px);
}

.expertise-icon {
  width: 52px;
  height: 52px;
  background: var(--color-navy-800);
  color: var(--color-gold-400);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-md);
  transition: all var(--duration-base) var(--ease-out);
}

.expertise-card:hover .expertise-icon {
  background: var(--color-gold-500);
  color: var(--color-navy-800);
}

.expertise-icon svg {
  width: 26px;
  height: 26px;
}

.expertise-card h3 {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.0625rem;
  color: var(--color-navy-800);
  margin-bottom: var(--space-sm);
}

.expertise-card ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.expertise-card li {
  position: relative;
  padding-left: 1rem;
  font-size: 0.875rem;
  color: var(--color-slate-600);
  line-height: 1.7;
  margin-bottom: 0.375rem;
}

.expertise-card li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.7em;
  width: 5px;
  height: 1px;
  background: var(--color-gold-500);
}

/* Team Synergy */
.advisor-team {
  text-align: center;
  padding: var(--space-xl) 0;
  margin: var(--space-xl) 0;
  border-top: 1px solid var(--color-slate-200);
  border-bottom: 1px solid var(--color-slate-200);
}

.team-label {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.125rem;
  color: var(--color-navy-800);
  margin-bottom: var(--space-md);
}

.team-roles {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: var(--space-md);
  margin-bottom: var(--space-sm);
}

.team-role {
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--color-navy-700);
}

.team-sep {
  color: var(--color-gold-500);
  font-weight: 300;
}

.team-desc {
  font-size: 0.875rem;
  color: var(--color-slate-500);
}

/* Why Choose Me */
.advisor-why {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-xl);
  margin: var(--space-2xl) 0;
}

.why-item {
  display: flex;
  gap: var(--space-md);
  align-items: flex-start;
}

.why-number {
  font-family: var(--font-display);
  font-size: 2rem;
  color: var(--color-gold-500);
  line-height: 1;
  flex-shrink: 0;
  opacity: 0.7;
}

.why-content h4 {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1rem;
  color: var(--color-navy-800);
  margin-bottom: 0.375rem;
}

.why-content p {
  font-size: 0.875rem;
  color: var(--color-slate-500);
  line-height: 1.7;
}

/* Advisor Contact */
.advisor-contact {
  margin-top: var(--space-2xl);
}

.advisor-contact-card {
  background: var(--color-navy-800);
  border-radius: var(--radius-lg);
  padding: var(--space-xl) var(--space-2xl);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-xl);
  flex-wrap: wrap;
}

.contact-info-grid {
  display: flex;
  gap: var(--space-2xl);
  flex-wrap: wrap;
}

.contact-info-item {
  min-width: 140px;
}

.contact-info-label {
  font-size: 0.75rem;
  color: var(--color-navy-300);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 0.375rem;
}

.contact-info-value {
  font-family: var(--font-serif);
  font-size: 1.0625rem;
  color: var(--color-white);
  font-weight: 500;
}

.advisor-cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.625rem;
  padding: 0.75rem 1.5rem;
  background: var(--color-gold-500);
  color: var(--color-navy-800);
  border-radius: var(--radius-sm);
  font-size: 0.9375rem;
  font-weight: 600;
  white-space: nowrap;
  transition: all var(--duration-base) var(--ease-out);
  flex-shrink: 0;
}

.advisor-cta-btn:hover {
  background: var(--color-gold-400);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.advisor-cta-btn svg {
  width: 18px;
  height: 18px;
  transition: transform var(--duration-fast) var(--ease-out);
}

.advisor-cta-btn:hover svg {
  transform: translateY(2px);
}

/* ---------- Contact Section ---------- */
.contact-container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-2xl);
  align-items: center;
}

.contact-left .section-title {
  margin-bottom: var(--space-md);
}

.contact-features {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-md);
  margin-top: var(--space-xl);
}

.contact-feature {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  font-size: 0.9375rem;
  color: var(--color-slate-600);
}

.contact-feature svg {
  width: 20px;
  height: 20px;
  color: var(--color-green-600);
  flex-shrink: 0;
}

.contact-form-card {
  background: var(--color-white);
  border: 1px solid var(--color-slate-200);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  box-shadow: var(--shadow-lg);
}

.form-group {
  margin-bottom: var(--space-md);
}

.form-group label {
  display: block;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--color-slate-700);
  margin-bottom: 0.5rem;
}

.form-group input[type="text"],
.form-group input[type="email"] {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1px solid var(--color-slate-300);
  border-radius: var(--radius-sm);
  font-size: 0.9375rem;
  color: var(--color-slate-800);
  transition: all var(--duration-fast) var(--ease-out);
  background: var(--color-white);
}

.form-group input:focus {
  outline: none;
  border-color: var(--color-navy-600);
  box-shadow: 0 0 0 3px rgba(26, 47, 82, 0.1);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-md);
}

.checkbox-group {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-sm);
}

.checkbox-item {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  cursor: pointer;
  font-size: 0.875rem;
  color: var(--color-slate-600);
  padding: 0.5rem 0;
}

.checkbox-item input[type="checkbox"] {
  display: none;
}

.checkbox-custom {
  width: 18px;
  height: 18px;
  border: 2px solid var(--color-slate-300);
  border-radius: 4px;
  flex-shrink: 0;
  position: relative;
  transition: all var(--duration-fast) var(--ease-out);
}

.checkbox-item input:checked + .checkbox-custom {
  background: var(--color-navy-700);
  border-color: var(--color-navy-700);
}

.checkbox-item input:checked + .checkbox-custom::after {
  content: '';
  position: absolute;
  top: 2px;
  left: 5px;
  width: 4px;
  height: 8px;
  border: solid var(--color-white);
  border-width: 0 2px 2px 0;
  transform: rotate(45deg);
}

.btn-submit {
  width: 100%;
  padding: 0.875rem 1.5rem;
  background: var(--color-navy-800);
  color: var(--color-white);
  border: none;
  border-radius: var(--radius-sm);
  font-size: 1rem;
  font-weight: 500;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.625rem;
  transition: all var(--duration-base) var(--ease-out);
  margin-top: var(--space-sm);
}

.btn-submit:hover {
  background: var(--color-navy-700);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.btn-submit svg {
  width: 18px;
  height: 18px;
  transition: transform var(--duration-fast) var(--ease-out);
}

.btn-submit:hover svg {
  transform: translateX(2px);
}

.form-note {
  text-align: center;
  font-size: 0.75rem;
  color: var(--color-slate-400);
  margin-top: var(--space-md);
}

/* ---------- Footer ---------- */
.footer {
  background: var(--color-navy-900);
  color: var(--color-navy-300);
  padding: var(--space-2xl) 0 var(--space-xl);
}

.footer-disclaimer {
  max-width: 900px;
  margin: 0 auto;
  padding-bottom: var(--space-xl);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  text-align: center;
}

.disclaimer-title {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1rem;
  color: var(--color-gold-400);
  margin-bottom: var(--space-sm);
}

.footer-disclaimer p {
  font-size: 0.8125rem;
  line-height: 1.8;
  color: var(--color-navy-300);
}

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: var(--space-xl);
  flex-wrap: wrap;
  gap: var(--space-md);
}

.footer-logo {
  display: flex;
  align-items: center;
  gap: 0.625rem;
}

.footer-logo .nav-logo-mark {
  background: var(--color-navy-700);
  color: var(--color-gold-400);
}

.footer-logo .nav-logo-text {
  color: var(--color-navy-200);
}

.footer-copyright {
  font-size: 0.8125rem;
  color: var(--color-navy-400);
}

/* ---------- Scroll Animations ---------- */
.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.8s var(--ease-out), transform 0.8s var(--ease-out);
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ---------- Timeline Guide ---------- */
.timeline-guide {
  text-align: center;
  margin-top: var(--space-2xl);
  padding-top: var(--space-xl);
  border-top: 1px solid var(--color-slate-200);
}

.timeline-guide p {
  font-family: var(--font-serif);
  font-size: 1.125rem;
  color: var(--color-navy-700);
  margin-bottom: var(--space-md);
}

.timeline-guide-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.75rem 1.75rem;
  background: var(--color-navy-800);
  color: var(--color-white);
  border-radius: var(--radius-sm);
  font-size: 0.9375rem;
  font-weight: 500;
  transition: all var(--duration-base) var(--ease-out);
}

.timeline-guide-btn:hover {
  background: var(--color-navy-700);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.timeline-guide-btn svg {
  width: 16px;
  height: 16px;
  transition: transform var(--duration-fast) var(--ease-out);
}

.timeline-guide-btn:hover svg {
  transform: translateX(2px);
}

/* ---------- Regulatory Timeline ---------- */
.reg-timeline {
  padding: var(--space-xl) 0 var(--space-lg);
  overflow-x: auto;
  overflow-y: visible;
}

.reg-timeline-track {
  position: relative;
  min-width: 800px;
  height: 320px;
  padding: 0 20px;
}

.reg-timeline-line {
  position: absolute;
  top: 50%;
  left: 20px;
  right: 20px;
  height: 2px;
  background: var(--color-slate-200);
  transform: translateY(-50%);
}

.reg-timeline-progress {
  position: absolute;
  top: 50%;
  left: 20px;
  height: 2px;
  background: linear-gradient(90deg, var(--color-navy-400), var(--color-gold-500));
  transform: translateY(-50%);
  transition: width 1.5s var(--ease-out);
  z-index: 1;
}

.reg-timeline-node {
  position: absolute;
  top: 50%;
  transform: translateX(-50%) translateY(-50%);
  width: 28%;
  cursor: pointer;
  z-index: 2;
  transition: all 0.5s var(--ease-out);
}

.reg-timeline-dot {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 16px;
  height: 16px;
  background: var(--color-white);
  border: 3px solid var(--color-slate-300);
  border-radius: 50%;
  transition: all var(--duration-base) var(--ease-out);
  z-index: 3;
}

.reg-timeline-node:hover .reg-timeline-dot,
.reg-timeline-node.is-active .reg-timeline-dot {
  border-color: var(--color-gold-500);
  background: var(--color-gold-500);
  box-shadow: 0 0 0 6px rgba(201, 169, 98, 0.15);
}

.reg-timeline-node.is-highlight .reg-timeline-dot {
  border-color: var(--color-gold-500);
}

.reg-timeline-dot.is-pulse {
  animation: dotPulse 2s ease-in-out infinite;
}

@keyframes dotPulse {
  0%, 100% { box-shadow: 0 0 0 0 rgba(201, 169, 98, 0.4); }
  50% { box-shadow: 0 0 0 10px rgba(201, 169, 98, 0); }
}

.reg-timeline-content {
  position: relative;
  padding: 0 1rem;
  text-align: center;
}

.reg-timeline-content.is-top {
  bottom: calc(50% + 24px);
  position: absolute;
  left: 50%;
  transform: translateX(-50%);
  width: 100%;
}

.reg-timeline-content.is-bottom {
  top: calc(50% + 24px);
  position: absolute;
  left: 50%;
  transform: translateX(-50%);
  width: 100%;
}

.reg-timeline-year {
  font-family: var(--font-display);
  font-size: 1.5rem;
  color: var(--color-navy-700);
  font-weight: 400;
  margin-bottom: 0.25rem;
  letter-spacing: -0.01em;
}

.reg-timeline-node.is-highlight .reg-timeline-year {
  color: var(--color-gold-600);
}

.reg-timeline-label {
  font-size: 0.75rem;
  color: var(--color-slate-400);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 0.375rem;
}

.reg-timeline-title {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 0.9375rem;
  color: var(--color-navy-800);
  line-height: 1.4;
  margin-bottom: 0.5rem;
}

.reg-timeline-node.is-highlight .reg-timeline-title {
  color: var(--color-navy-800);
}

.reg-timeline-desc {
  font-size: 0.8125rem;
  color: var(--color-slate-600);
  line-height: 1.6;
  background: var(--color-white);
  border: 1px solid var(--color-slate-200);
  border-radius: var(--radius-md);
  padding: var(--space-sm) var(--space-sm);
  margin-top: var(--space-sm);
  box-shadow: var(--shadow-md);
  text-align: left;
  animation: fadeInUp 0.3s var(--ease-out);
}

@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

/* ---------- Estate Tax Calculator ---------- */
.estate-tax-wrapper {
  max-width: 900px;
  margin: 0 auto;
}

.estate-tax-comparison {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: var(--space-md);
  align-items: center;
  margin-bottom: var(--space-xl);
}

.estate-card {
  background: var(--color-white);
  border: 1px solid var(--color-slate-200);
  border-radius: var(--radius-lg);
  padding: var(--space-lg) var(--space-md);
  text-align: center;
}

.estate-card--left {
  border-color: var(--color-red-500);
  border-width: 2px;
  box-shadow: 0 0 0 4px rgba(220, 38, 38, 0.05);
}

.estate-card--right {
  border-color: var(--color-green-600);
  border-width: 2px;
  box-shadow: 0 0 0 4px rgba(5, 150, 105, 0.05);
}

.estate-card-label {
  font-size: 0.8125rem;
  color: var(--color-slate-500);
  margin-bottom: var(--space-sm);
  font-weight: 500;
}

.estate-card--left .estate-card-label { color: var(--color-red-600); }
.estate-card--right .estate-card-label { color: var(--color-green-600); }

.estate-card-value {
  font-family: var(--font-display);
  font-size: 2.5rem;
  color: var(--color-navy-800);
  line-height: 1;
  letter-spacing: -0.02em;
  margin-bottom: 0.25rem;
}

.estate-card--left .estate-card-value { color: var(--color-red-600); }
.estate-card--right .estate-card-value { color: var(--color-green-600); }

.estate-card-value span {
  font-size: 0.4em;
  font-family: var(--font-sans);
  font-weight: 500;
  margin-left: 0.25em;
  vertical-align: middle;
}

.estate-card-sub {
  font-size: 0.8125rem;
  color: var(--color-slate-500);
}

.estate-card--vs {
  font-family: var(--font-display);
  font-size: 1.25rem;
  color: var(--color-slate-400);
  padding: 0 var(--space-sm);
  background: none;
  border: none;
}

.estate-tax-rate-banner {
  background: var(--color-navy-800);
  color: var(--color-white);
  padding: var(--space-md) var(--space-lg);
  border-radius: var(--radius-md);
  text-align: center;
  margin-bottom: var(--space-xl);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-md);
  flex-wrap: wrap;
}

.estate-tax-rate-banner span {
  font-size: 0.9375rem;
  color: var(--color-navy-200);
}

.estate-tax-rate-banner strong {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  color: var(--color-gold-400);
  font-weight: 600;
}

.estate-tax-calc {
  background: var(--color-white);
  border: 1px solid var(--color-slate-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  margin-bottom: var(--space-xl);
}

.estate-calc-inputs {
  padding: var(--space-xl);
  border-bottom: 1px solid var(--color-slate-200);
}

.estate-calc-result {
  padding: var(--space-xl);
  background: var(--color-slate-50);
}

.estate-calc-formula {
  margin-bottom: var(--space-md);
}

.formula-line {
  font-size: 0.9375rem;
  color: var(--color-slate-600);
  line-height: 1.7;
}

.formula-label {
  font-weight: 500;
  color: var(--color-slate-700);
  margin-right: 0.5rem;
}

.formula-expr strong {
  color: var(--color-red-600);
  font-family: var(--font-serif);
  font-size: 1.125rem;
}

.estate-calc-conclusion {
  display: flex;
  gap: var(--space-sm);
  align-items: flex-start;
  padding: var(--space-md);
  background: #fef2f2;
  border: 1px solid #fecaca;
  border-radius: var(--radius-sm);
  color: var(--color-red-600);
}

.estate-calc-conclusion svg {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  margin-top: 1px;
}

.estate-calc-conclusion p {
  font-size: 0.875rem;
  line-height: 1.7;
  margin: 0;
}

.estate-calc-conclusion strong {
  color: var(--color-red-600);
  font-size: 1.0625rem;
}

.estate-tax-assets {
  margin-bottom: var(--space-xl);
}

.estate-tax-assets h4 {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1rem;
  color: var(--color-navy-800);
  margin-bottom: var(--space-md);
  display: flex;
  align-items: center;
  gap: var(--space-sm);
}

.estate-tax-assets h4::before {
  content: '';
  width: 3px;
  height: 1rem;
  background: var(--color-gold-500);
  border-radius: 2px;
}

.estate-assets-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-sm);
}

.estate-asset-item {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  padding: var(--space-sm) var(--space-md);
  background: var(--color-slate-50);
  border-radius: var(--radius-sm);
  font-size: 0.875rem;
  color: var(--color-slate-700);
}

.estate-asset-item svg {
  width: 18px;
  height: 18px;
  color: var(--color-navy-600);
  flex-shrink: 0;
}

.estate-tax-solution {
  display: flex;
  gap: var(--space-md);
  padding: var(--space-lg);
  background: var(--color-green-50);
  border: 1px solid #a7f3d0;
  border-radius: var(--radius-md);
  margin-bottom: var(--space-md);
  align-items: flex-start;
}

.estate-solution-icon {
  width: 44px;
  height: 44px;
  flex-shrink: 0;
  background: var(--color-green-600);
  color: var(--color-white);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
}

.estate-solution-icon svg {
  width: 22px;
  height: 22px;
}

.estate-solution-content h4 {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1rem;
  color: #065f46;
  margin-bottom: 0.375rem;
}

.estate-solution-content p {
  font-size: 0.875rem;
  color: #047857;
  line-height: 1.7;
}

.estate-solution-content strong {
  color: #065f46;
  font-weight: 600;
}

.estate-tax-alert {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  padding: var(--space-md) var(--space-lg);
  background: var(--color-navy-50);
  border-left: 3px solid var(--color-navy-600);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  font-size: 0.875rem;
  color: var(--color-navy-700);
}

.estate-tax-alert svg {
  width: 20px;
  height: 20px;
  color: var(--color-navy-600);
  flex-shrink: 0;
}

/* ---------- Risk Quiz ---------- */
.quiz-wrapper {
  max-width: 640px;
  margin: 0 auto;
}

.quiz-progress {
  margin-bottom: var(--space-xl);
}

.quiz-progress-bar {
  width: 100%;
  height: 4px;
  background: var(--color-slate-200);
  border-radius: 2px;
  overflow: hidden;
  margin-bottom: var(--space-sm);
}

.quiz-progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--color-navy-600), var(--color-gold-500));
  border-radius: 2px;
  transition: width 0.4s var(--ease-out);
}

.quiz-progress-text {
  font-size: 0.8125rem;
  color: var(--color-slate-500);
  font-weight: 500;
  text-align: right;
}

.quiz-question-card {
  background: var(--color-white);
  border: 1px solid var(--color-slate-200);
  border-radius: var(--radius-lg);
  padding: var(--space-2xl);
  box-shadow: var(--shadow-lg);
  text-align: center;
  animation: questionFade 0.4s var(--ease-out);
}

@keyframes questionFade {
  from { opacity: 0; transform: translateX(20px); }
  to { opacity: 1; transform: translateX(0); }
}

.quiz-tag {
  display: inline-block;
  padding: 0.375rem 0.875rem;
  background: var(--color-navy-50);
  color: var(--color-navy-600);
  border-radius: 100px;
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.05em;
  margin-bottom: var(--space-md);
}

.quiz-question-text {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.375rem;
  color: var(--color-navy-800);
  line-height: 1.4;
  margin-bottom: var(--space-xl);
  text-wrap: balance;
}

.quiz-options {
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
}

.quiz-option-btn {
  width: 100%;
  padding: var(--space-md) var(--space-lg);
  background: var(--color-white);
  border: 1px solid var(--color-slate-200);
  border-radius: var(--radius-md);
  font-size: 1rem;
  color: var(--color-slate-700);
  font-weight: 500;
  cursor: pointer;
  transition: all var(--duration-fast) var(--ease-out);
  text-align: center;
}

.quiz-option-btn:hover {
  border-color: var(--color-gold-500);
  background: var(--color-gold-50);
  color: var(--color-navy-800);
  transform: translateX(4px);
}

.quiz-privacy-note {
  text-align: center;
  font-size: 0.75rem;
  color: var(--color-slate-400);
  margin-top: var(--space-lg);
}

/* Quiz Result */
.quiz-result {
  max-width: 720px;
  margin: 0 auto;
  animation: resultFade 0.6s var(--ease-out);
}

@keyframes resultFade {
  from { opacity: 0; transform: scale(0.95); }
  to { opacity: 1; transform: scale(1); }
}

.quiz-result-card {
  border-radius: var(--radius-lg);
  padding: var(--space-2xl);
  text-align: center;
  color: var(--color-white);
  margin-bottom: var(--space-xl);
  position: relative;
  overflow: hidden;
}

.quiz-result-card.risk-high {
  background: linear-gradient(135deg, #7f1d1d 0%, #dc2626 100%);
}

.quiz-result-card.risk-mid {
  background: linear-gradient(135deg, #78350f 0%, #d97706 100%);
}

.quiz-result-card.risk-low {
  background: linear-gradient(135deg, #064e3b 0%, #059669 100%);
}

.quiz-result-card::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -100px;
  width: 300px;
  height: 300px;
  background: radial-gradient(circle, rgba(255,255,255,0.1) 0%, transparent 70%);
  pointer-events: none;
}

.quiz-result-header {
  position: relative;
  z-index: 1;
  margin-bottom: var(--space-lg);
}

.quiz-result-level-en {
  font-size: 0.75rem;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  opacity: 0.7;
  margin-bottom: 0.375rem;
}

.quiz-result-level {
  font-family: var(--font-serif);
  font-size: 2rem;
  font-weight: 600;
  letter-spacing: -0.01em;
}

.quiz-result-score {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-md);
}

.score-ring {
  position: relative;
  width: 160px;
  height: 160px;
  color: var(--color-white);
}

.score-ring svg {
  width: 100%;
  height: 100%;
  transform: rotate(0deg);
}

.score-value {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  font-family: var(--font-display);
  font-size: 3rem;
  line-height: 1;
  letter-spacing: -0.02em;
}

.score-value span {
  font-size: 0.35em;
  font-family: var(--font-sans);
  font-weight: 400;
  opacity: 0.8;
  margin-left: 0.25em;
  vertical-align: middle;
}

.quiz-result-desc {
  font-size: 1rem;
  opacity: 0.9;
  max-width: 480px;
  margin: 0 auto;
  line-height: 1.7;
}

.quiz-result-details {
  opacity: 0;
  transform: translateY(20px);
  transition: all 0.6s var(--ease-out) 0.3s;
}

.quiz-result-details.is-visible {
  opacity: 1;
  transform: translateY(0);
}

.result-section {
  background: var(--color-white);
  border: 1px solid var(--color-slate-200);
  border-radius: var(--radius-md);
  padding: var(--space-lg);
  margin-bottom: var(--space-md);
}

.result-section h4 {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1rem;
  color: var(--color-navy-800);
  margin-bottom: var(--space-sm);
  display: flex;
  align-items: center;
  gap: var(--space-sm);
}

.result-section h4::before {
  content: '';
  width: 3px;
  height: 1rem;
  background: var(--color-gold-500);
  border-radius: 2px;
}

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

.result-list li {
  position: relative;
  padding-left: 1.25rem;
  font-size: 0.875rem;
  color: var(--color-slate-600);
  line-height: 1.7;
  margin-bottom: 0.375rem;
}

.result-bullet {
  position: absolute;
  left: 0;
  top: 0.7em;
  width: 6px;
  height: 6px;
  background: var(--color-slate-400);
  border-radius: 50%;
}

.result-bullet--action {
  background: var(--color-gold-500);
}

.result-actions {
  display: flex;
  gap: var(--space-sm);
  margin-top: var(--space-lg);
  flex-wrap: wrap;
}

.result-btn-primary {
  flex: 1;
  min-width: 200px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.875rem 1.5rem;
  background: var(--color-navy-800);
  color: var(--color-white);
  border-radius: var(--radius-sm);
  font-size: 0.9375rem;
  font-weight: 500;
  transition: all var(--duration-base) var(--ease-out);
}

.result-btn-primary:hover {
  background: var(--color-navy-700);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.result-btn-primary svg {
  width: 16px;
  height: 16px;
}

.result-btn-secondary {
  padding: 0.875rem 1.5rem;
  background: var(--color-white);
  color: var(--color-slate-600);
  border: 1px solid var(--color-slate-300);
  border-radius: var(--radius-sm);
  font-size: 0.9375rem;
  font-weight: 500;
  transition: all var(--duration-base) var(--ease-out);
}

.result-btn-secondary:hover {
  border-color: var(--color-navy-400);
  color: var(--color-navy-700);
}

/* ---------- Surrender Decision Framework ---------- */
.surrender-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-lg);
  margin-bottom: var(--space-xl);
}

.surrender-card {
  background: var(--color-white);
  border: 1px solid var(--color-slate-200);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  transition: all var(--duration-base) var(--ease-out);
  position: relative;
}

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

.surrender-card--go {
  border-top: 3px solid var(--color-green-600);
}

.surrender-card--partial {
  border-top: 3px solid var(--color-gold-500);
}

.surrender-card--stay {
  border-top: 3px solid var(--color-slate-400);
}

.surrender-card-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: var(--space-lg);
  padding-bottom: var(--space-md);
  border-bottom: 1px solid var(--color-slate-100);
}

.surrender-badge {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.125rem;
  color: var(--color-navy-800);
}

.surrender-card--go .surrender-badge { color: var(--color-green-600); }
.surrender-card--partial .surrender-badge { color: var(--color-gold-600); }
.surrender-card--stay .surrender-badge { color: var(--color-slate-500); }

.surrender-card-head svg {
  width: 24px;
  height: 24px;
  color: var(--color-slate-400);
}

.surrender-card--go .surrender-card-head svg { color: var(--color-green-600); }
.surrender-card--partial .surrender-card-head svg { color: var(--color-gold-500); }
.surrender-card--stay .surrender-card-head svg { color: var(--color-slate-400); }

.surrender-list {
  list-style: none;
  padding: 0;
  margin: 0 0 var(--space-lg);
}

.surrender-list li {
  position: relative;
  padding-left: 1.25rem;
  font-size: 0.875rem;
  color: var(--color-slate-600);
  line-height: 1.7;
  margin-bottom: 0.5rem;
}

.surrender-list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.65em;
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: var(--color-slate-300);
}

.surrender-card--go .surrender-list li::before { background: var(--color-green-600); }
.surrender-card--partial .surrender-list li::before { background: var(--color-gold-500); }

.surrender-conclusion {
  padding-top: var(--space-md);
  border-top: 1px solid var(--color-slate-100);
  font-size: 0.875rem;
  color: var(--color-navy-700);
  font-weight: 500;
  line-height: 1.6;
}

.surrender-guide {
  text-align: center;
  padding: var(--space-xl);
  background: var(--color-slate-50);
  border-radius: var(--radius-md);
  margin-bottom: var(--space-sm);
}

.surrender-guide p {
  font-size: 0.9375rem;
  color: var(--color-slate-600);
  margin-bottom: var(--space-md);
}

.surrender-guide strong {
  color: var(--color-navy-800);
}

.surrender-guide-btn {
  display: inline-block;
  padding: 0.75rem 1.75rem;
  background: var(--color-navy-800);
  color: var(--color-white);
  border-radius: var(--radius-sm);
  font-size: 0.9375rem;
  font-weight: 500;
  transition: all var(--duration-base) var(--ease-out);
}

.surrender-guide-btn:hover {
  background: var(--color-navy-700);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.surrender-note {
  text-align: center;
  font-size: 0.8125rem;
  color: var(--color-slate-400);
  font-style: italic;
}

/* ---------- Fund Outbound ---------- */
.fund-paths {
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
  max-width: 800px;
  margin: 0 auto;
}

.fund-path-card {
  background: var(--color-white);
  border: 1px solid var(--color-slate-200);
  border-radius: var(--radius-md);
  overflow: hidden;
  cursor: pointer;
  transition: all var(--duration-base) var(--ease-out);
}

.fund-path-card:hover {
  border-color: var(--color-gold-400);
  box-shadow: var(--shadow-md);
}

.fund-path-card.is-expanded {
  border-color: var(--color-gold-500);
  box-shadow: var(--shadow-lg);
}

.fund-path-card.is-highlight {
  border-color: var(--color-gold-500);
  background: linear-gradient(180deg, #fffbeb 0%, #fff 30%);
}

.fund-path-head {
  display: flex;
  align-items: center;
  gap: var(--space-md);
  padding: var(--space-md) var(--space-lg);
}

.fund-path-icon {
  width: 44px;
  height: 44px;
  background: var(--color-navy-50);
  color: var(--color-navy-700);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: all var(--duration-base) var(--ease-out);
}

.fund-path-card:hover .fund-path-icon,
.fund-path-card.is-expanded .fund-path-icon {
  background: var(--color-gold-500);
  color: var(--color-white);
}

.fund-path-icon svg {
  width: 22px;
  height: 22px;
}

.fund-path-info {
  flex: 1;
  min-width: 0;
}

.fund-path-title {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1rem;
  color: var(--color-navy-800);
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: 0.125rem;
}

.fund-path-badge {
  font-size: 0.6875rem;
  padding: 0.125rem 0.5rem;
  background: var(--color-gold-500);
  color: var(--color-navy-800);
  border-radius: 100px;
  font-weight: 600;
}

.fund-path-subtitle {
  font-size: 0.8125rem;
  color: var(--color-slate-500);
}

.fund-path-toggle {
  width: 28px;
  height: 28px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-slate-400);
  transition: all var(--duration-base) var(--ease-out);
  flex-shrink: 0;
}

.fund-path-toggle.is-open {
  transform: rotate(180deg);
  color: var(--color-gold-500);
}

.fund-path-toggle svg {
  width: 18px;
  height: 18px;
}

.fund-path-details {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.5s var(--ease-out);
}

.fund-path-card.is-expanded .fund-path-details {
  max-height: 400px;
}

.fund-path-details ul {
  list-style: none;
  padding: 0 var(--space-xl) var(--space-lg);
  margin: 0;
}

.fund-path-details li {
  position: relative;
  padding-left: 1.25rem;
  font-size: 0.875rem;
  color: var(--color-slate-600);
  line-height: 1.7;
  margin-bottom: 0.375rem;
}

.fund-path-details li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.65em;
  width: 5px;
  height: 5px;
  background: var(--color-gold-500);
  border-radius: 50%;
}

.compliance-warning {
  display: flex;
  gap: var(--space-md);
  padding: var(--space-lg);
  background: #fef2f2;
  border: 1px solid #fecaca;
  border-radius: var(--radius-md);
  margin-top: var(--space-xl);
  align-items: flex-start;
}

.compliance-warning-icon {
  width: 44px;
  height: 44px;
  flex-shrink: 0;
  background: #fee2e2;
  color: var(--color-red-600);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
}

.compliance-warning-icon svg {
  width: 22px;
  height: 22px;
}

.compliance-warning-content h4 {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1rem;
  color: var(--color-red-600);
  margin-bottom: var(--space-sm);
}

.compliance-warning-content ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.compliance-warning-content li {
  position: relative;
  padding-left: 1.25rem;
  font-size: 0.875rem;
  color: var(--color-red-700);
  line-height: 1.7;
  margin-bottom: 0.375rem;
}

.compliance-warning-content li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.65em;
  width: 5px;
  height: 5px;
  background: var(--color-red-500);
  border-radius: 50%;
}

.compliance-warning-content strong {
  color: var(--color-red-700);
}

/* ---------- Non-US Insurance Guide ---------- */
.nonus-answer {
  display: flex;
  gap: var(--space-md);
  padding: var(--space-lg);
  background: var(--color-white);
  border: 1px solid var(--color-gold-300);
  border-radius: var(--radius-lg);
  margin-bottom: var(--space-xl);
  align-items: flex-start;
  box-shadow: var(--shadow-sm);
}

.nonus-answer-mark {
  width: 44px;
  height: 44px;
  flex-shrink: 0;
  background: var(--color-gold-500);
  color: var(--color-white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}

.nonus-answer-mark svg {
  width: 22px;
  height: 22px;
}

.nonus-answer h3 {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.125rem;
  color: var(--color-navy-800);
  margin-bottom: 0.375rem;
}

.nonus-answer p {
  font-size: 0.9375rem;
  color: var(--color-slate-600);
  line-height: 1.7;
  margin: 0;
}

.nonus-guide {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: var(--space-xl);
  align-items: start;
}

.nonus-guide-tabs {
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
  position: sticky;
  top: 100px;
}

.nonus-guide-tab {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  padding: var(--space-sm) var(--space-md);
  background: var(--color-white);
  border: 1px solid var(--color-slate-200);
  border-radius: var(--radius-sm);
  text-align: left;
  cursor: pointer;
  transition: all var(--duration-fast) var(--ease-out);
  font-size: 0.875rem;
  color: var(--color-slate-600);
}

.nonus-guide-tab:hover {
  border-color: var(--color-navy-300);
  color: var(--color-navy-700);
}

.nonus-guide-tab.is-active {
  background: var(--color-navy-800);
  border-color: var(--color-navy-800);
  color: var(--color-white);
}

.guide-tab-icon {
  width: 28px;
  height: 28px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.guide-tab-icon svg {
  width: 18px;
  height: 18px;
}

.guide-tab-title {
  font-weight: 500;
}

.nonus-guide-content {
  position: relative;
  min-height: 320px;
}

.guide-content-panel {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: all 0.3s var(--ease-out);
}

.guide-content-panel.is-active {
  position: relative;
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.guide-content-panel h3 {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.25rem;
  color: var(--color-navy-800);
  margin-bottom: 0.375rem;
}

.guide-content-icon {
  width: 36px;
  height: 36px;
  background: var(--color-gold-500);
  color: var(--color-white);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
}

.guide-content-icon svg {
  width: 20px;
  height: 20px;
}

.guide-content-subtitle {
  font-size: 0.9375rem;
  color: var(--color-slate-500);
  margin-bottom: var(--space-md);
  padding-bottom: var(--space-md);
  border-bottom: 1px solid var(--color-slate-200);
}

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

.guide-content-list li {
  position: relative;
  padding-left: 1.5rem;
  font-size: 0.9375rem;
  color: var(--color-slate-600);
  line-height: 1.7;
  margin-bottom: 0.5rem;
}

.guide-bullet {
  position: absolute;
  left: 0;
  top: 0.7em;
  width: 8px;
  height: 1px;
  background: var(--color-gold-500);
}

.nonus-bottom-note {
  text-align: center;
  margin-top: var(--space-2xl);
  padding-top: var(--space-xl);
  border-top: 1px solid var(--color-slate-200);
}

.nonus-bottom-note p {
  font-size: 0.875rem;
  color: var(--color-slate-500);
  margin-bottom: var(--space-md);
}

.nonus-cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.75rem 1.75rem;
  background: var(--color-gold-500);
  color: var(--color-navy-800);
  border-radius: var(--radius-sm);
  font-size: 0.9375rem;
  font-weight: 600;
  transition: all var(--duration-base) var(--ease-out);
}

.nonus-cta-btn:hover {
  background: var(--color-gold-400);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

/* ---------- Case Studies ---------- */
.cases-wrapper {
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: var(--space-xl);
  align-items: start;
}

.cases-tabs {
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
  position: sticky;
  top: 100px;
}

.case-tab {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  padding: var(--space-md);
  background: var(--color-white);
  border: 1px solid var(--color-slate-200);
  border-radius: var(--radius-md);
  text-align: left;
  cursor: pointer;
  transition: all var(--duration-fast) var(--ease-out);
}

.case-tab:hover {
  border-color: var(--color-navy-300);
  transform: translateX(4px);
}

.case-tab.is-active {
  background: var(--color-navy-800);
  border-color: var(--color-navy-800);
  color: var(--color-white);
}

.case-tab-icon {
  width: 36px;
  height: 36px;
  background: var(--color-navy-50);
  color: var(--color-navy-600);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: all var(--duration-fast) var(--ease-out);
}

.case-tab.is-active .case-tab-icon {
  background: rgba(201, 169, 98, 0.2);
  color: var(--color-gold-400);
}

.case-tab-icon svg {
  width: 18px;
  height: 18px;
}

.case-tab-num {
  font-family: var(--font-mono);
  font-size: 0.6875rem;
  color: var(--color-gold-500);
  letter-spacing: 0.05em;
  display: block;
  margin-bottom: 0.125rem;
}

.case-tab.is-active .case-tab-num {
  color: var(--color-gold-400);
}

.case-tab-title {
  font-weight: 600;
  font-size: 0.9375rem;
  display: block;
}

.case-detail-card {
  background: var(--color-white);
  border: 1px solid var(--color-slate-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.case-profile {
  display: flex;
  gap: var(--space-md);
  padding: var(--space-xl);
  background: var(--color-navy-800);
  color: var(--color-white);
  align-items: center;
}

.case-profile-icon {
  width: 56px;
  height: 56px;
  background: rgba(201, 169, 98, 0.15);
  color: var(--color-gold-400);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.case-profile-icon svg {
  width: 28px;
  height: 28px;
}

.case-profile h3 {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.375rem;
  color: var(--color-white);
  margin-bottom: 0.25rem;
}

.case-profile-desc {
  font-size: 0.875rem;
  color: var(--color-navy-200);
  margin-bottom: 0.5rem;
}

.case-tags {
  display: flex;
  gap: 0.5rem;
  flex-wrap: wrap;
}

.case-tag {
  padding: 0.25rem 0.625rem;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 100px;
  font-size: 0.75rem;
  color: var(--color-gold-400);
}

.case-sections {
  padding: var(--space-xl);
  display: flex;
  flex-direction: column;
  gap: var(--space-lg);
}

.case-section-label {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1rem;
  color: var(--color-navy-800);
  margin-bottom: var(--space-sm);
  display: flex;
  align-items: center;
  gap: var(--space-sm);
}

.case-section-label::before {
  content: '';
  width: 3px;
  height: 1rem;
  background: var(--color-gold-500);
  border-radius: 2px;
}

.case-section ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.case-section li {
  position: relative;
  padding-left: 1.25rem;
  font-size: 0.9375rem;
  color: var(--color-slate-600);
  line-height: 1.7;
  margin-bottom: 0.5rem;
}

.case-section li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.7em;
  width: 5px;
  height: 5px;
  background: var(--color-slate-300);
  border-radius: 50%;
}

.case-section:last-child li::before {
  background: var(--color-green-600);
}

.case-disclaimer {
  text-align: center;
  font-size: 0.75rem;
  color: var(--color-slate-400);
  margin-top: var(--space-lg);
  line-height: 1.6;
}

/* ---------- Service Process ---------- */
.service-process {
  margin-bottom: var(--space-xl);
}

.process-track {
  position: relative;
  height: 200px;
  margin-bottom: var(--space-lg);
  overflow-x: auto;
  overflow-y: visible;
}

.process-line {
  position: absolute;
  top: 28px;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--color-slate-200);
}

.process-progress {
  position: absolute;
  top: 28px;
  left: 0;
  height: 2px;
  background: linear-gradient(90deg, var(--color-navy-400), var(--color-gold-500));
  transition: width 0.5s var(--ease-out);
  z-index: 1;
}

.process-node {
  position: absolute;
  top: 0;
  width: 14%;
  text-align: center;
  cursor: pointer;
  transition: all 0.4s var(--ease-out);
  z-index: 2;
}

.process-dot {
  width: 56px;
  height: 56px;
  margin: 0 auto var(--space-sm);
  background: var(--color-white);
  border: 2px solid var(--color-slate-300);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: 1.125rem;
  color: var(--color-slate-400);
  transition: all var(--duration-base) var(--ease-out);
}

.process-node.is-done .process-dot {
  border-color: var(--color-gold-500);
  background: var(--color-white);
  color: var(--color-gold-500);
}

.process-node.is-active .process-dot {
  background: var(--color-navy-800);
  border-color: var(--color-navy-800);
  color: var(--color-gold-400);
  box-shadow: 0 0 0 6px rgba(201, 169, 98, 0.15);
  transform: scale(1.1);
}

.process-node-title {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 0.9375rem;
  color: var(--color-slate-500);
  margin-bottom: 0.125rem;
  line-height: 1.3;
}

.process-node.is-active .process-node-title {
  color: var(--color-navy-800);
}

.process-node.is-done .process-node-title {
  color: var(--color-navy-600);
}

.process-node-duration {
  font-size: 0.75rem;
  color: var(--color-slate-400);
}

.process-node.is-active .process-node-duration {
  color: var(--color-gold-600);
  font-weight: 500;
}

.process-detail-panel {
  display: flex;
  gap: var(--space-lg);
  padding: var(--space-xl);
  background: var(--color-white);
  border: 1px solid var(--color-slate-200);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
}

.process-detail-icon {
  width: 56px;
  height: 56px;
  background: var(--color-navy-800);
  color: var(--color-gold-400);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.process-detail-icon svg {
  width: 28px;
  height: 28px;
}

.process-detail-info {
  flex: 1;
}

.process-detail-info h3 {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.125rem;
  color: var(--color-navy-800);
  margin-bottom: 0.25rem;
}

.process-detail-time {
  font-size: 0.8125rem;
  color: var(--color-gold-600);
  font-weight: 500;
  margin-bottom: var(--space-sm);
}

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

.process-detail-list li {
  position: relative;
  padding-left: 1.25rem;
  font-size: 0.875rem;
  color: var(--color-slate-600);
  line-height: 1.7;
  margin-bottom: 0.375rem;
}

.process-detail-bullet {
  position: absolute;
  left: 0;
  top: 0.7em;
  width: 5px;
  height: 5px;
  background: var(--color-gold-500);
  border-radius: 50%;
}

.process-transparency {
  text-align: center;
  padding: var(--space-lg) var(--space-xl);
  background: var(--color-white);
  border: 1px solid var(--color-slate-200);
  border-radius: var(--radius-md);
  margin-top: var(--space-lg);
}

.process-transparency p {
  font-size: 0.9375rem;
  color: var(--color-slate-600);
  line-height: 1.7;
  margin: 0;
}

.process-transparency strong {
  color: var(--color-navy-700);
}

/* ---------- FAQ ---------- */
.faq-container {
  max-width: 860px;
}

.faq-accordion {
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
}

.faq-item {
  background: var(--color-white);
  border: 1px solid var(--color-slate-200);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: all var(--duration-base) var(--ease-out);
}

.faq-item.is-open {
  border-color: var(--color-gold-400);
  box-shadow: var(--shadow-md);
}

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  gap: var(--space-md);
  padding: var(--space-md) var(--space-lg);
  text-align: left;
  cursor: pointer;
  transition: background var(--duration-fast) var(--ease-out);
  background: none;
  border: none;
  font-family: inherit;
}

.faq-question:hover {
  background: var(--color-slate-50);
}

.faq-item.is-open .faq-question {
  background: var(--color-gold-50);
}

.faq-q-num {
  font-family: var(--font-mono);
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--color-gold-600);
  letter-spacing: 0.05em;
  flex-shrink: 0;
}

.faq-q-text {
  flex: 1;
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1rem;
  color: var(--color-navy-800);
  line-height: 1.5;
}

.faq-toggle-icon {
  width: 28px;
  height: 28px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-slate-400);
  transition: all var(--duration-base) var(--ease-out);
}

.faq-toggle-icon.is-open {
  transform: rotate(180deg);
  color: var(--color-gold-500);
}

.faq-toggle-icon svg {
  width: 18px;
  height: 18px;
}

.faq-answer-wrapper {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s var(--ease-out);
}

.faq-item.is-open .faq-answer-wrapper {
  max-height: 500px;
}

.faq-answer {
  padding: 0 var(--space-lg) var(--space-md);
  padding-left: calc(var(--space-lg) + 3.25rem);
  font-size: 0.9375rem;
  color: var(--color-slate-600);
  line-height: 1.8;
  border-top: 1px solid var(--color-slate-100);
  padding-top: var(--space-md);
}

.faq-bottom {
  text-align: center;
  margin-top: var(--space-2xl);
  padding-top: var(--space-xl);
  border-top: 1px solid var(--color-slate-200);
}

.faq-bottom p {
  font-size: 0.9375rem;
  color: var(--color-slate-600);
  margin-bottom: var(--space-md);
}

.faq-bottom strong {
  color: var(--color-navy-800);
}

.faq-cta-btn {
  display: inline-block;
  padding: 0.75rem 1.75rem;
  background: var(--color-navy-800);
  color: var(--color-white);
  border-radius: var(--radius-sm);
  font-size: 0.9375rem;
  font-weight: 500;
  transition: all var(--duration-base) var(--ease-out);
}

.faq-cta-btn:hover {
  background: var(--color-navy-700);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

/* ---------- Utility ---------- */
.hide-mobile {
  display: inline;
}

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  :root {
    --space-section: 5rem;
  }

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

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

  .crs-facts {
    grid-template-columns: 1fr;
    gap: var(--space-md);
  }

  .calc-wrapper {
    grid-template-columns: 1fr;
    gap: var(--space-lg);
  }

  .contact-container {
    grid-template-columns: 1fr;
    gap: var(--space-xl);
  }

  .advisor-hero {
    grid-template-columns: 1fr;
    gap: var(--space-xl);
    text-align: center;
  }

  .advisor-photo-wrap {
    max-width: 320px;
  }

  .advisor-dimensions {
    justify-content: center;
  }

  .advisor-expertise {
    grid-template-columns: 1fr;
    gap: var(--space-md);
  }

  .advisor-why {
    grid-template-columns: 1fr;
    gap: var(--space-lg);
  }

  .advisor-contact-card {
    justify-content: center;
    text-align: center;
  }

  .contact-info-grid {
    justify-content: center;
    flex-direction: column;
    gap: var(--space-md);
  }

  /* Module A: Timeline */
  .reg-timeline-track {
    min-width: auto;
    height: auto;
    position: relative;
    padding: 0;
  }
  
  .reg-timeline-line,
  .reg-timeline-progress {
    left: 20px;
    right: auto;
    width: 2px;
    height: 100%;
    top: 0;
    transform: none;
  }
  
  .reg-timeline-progress {
    width: 2px;
    height: 100% !important;
  }
  
  .reg-timeline-node {
    position: relative;
    top: auto !important;
    left: 0 !important;
    width: 100% !important;
    transform: none !important;
    margin-bottom: var(--space-md);
    padding-left: 48px;
  }
  
  .reg-timeline-dot {
    left: 12px;
    top: 0;
    transform: none;
    position: absolute;
  }
  
  .reg-timeline-content.is-top,
  .reg-timeline-content.is-bottom {
    position: relative;
    top: auto;
    bottom: auto;
    left: 0;
    transform: none;
    width: 100%;
    text-align: left;
    padding: 0;
  }

  /* Module B: Estate Tax */
  .estate-tax-comparison {
    grid-template-columns: 1fr;
  }
  
  .estate-card--vs {
    padding: var(--space-xs);
  }
  
  .estate-assets-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  /* Module C: Risk Quiz */
  .quiz-question-card {
    padding: var(--space-xl);
  }
  
  .quiz-question-text {
    font-size: 1.125rem;
  }
  
  .result-actions {
    flex-direction: column;
  }
  
  .result-btn-primary {
    min-width: 100%;
  }

  /* Module D: Surrender Cards */
  .surrender-cards {
    grid-template-columns: 1fr;
  }

  /* Module F: Non-US Guide */
  .nonus-guide {
    grid-template-columns: 1fr;
  }
  
  .nonus-guide-tabs {
    position: static;
    flex-direction: row;
    flex-wrap: wrap;
  }
  
  .nonus-guide-tab {
    flex: 1;
    min-width: 140px;
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 0.375rem;
    padding: var(--space-sm);
  }
  
  .guide-content-panel {
    position: relative;
    opacity: 1;
    visibility: visible;
    transform: none;
    display: none;
  }
  
  .guide-content-panel.is-active {
    display: block;
  }

  /* Module G: Case Studies */
  .cases-wrapper {
    grid-template-columns: 1fr;
  }
  
  .cases-tabs {
    position: static;
    flex-direction: row;
    overflow-x: auto;
  }
  
  .case-tab {
    flex-shrink: 0;
    flex-direction: column;
    align-items: center;
    text-align: center;
    min-width: 120px;
    padding: var(--space-sm);
    gap: 0.25rem;
  }

  /* Module H: Service Process */
  .process-track {
    height: auto;
    min-height: auto;
  }
  
  .process-line,
  .process-progress {
    top: 0;
    left: 24px;
    width: 2px;
    height: 100%;
  }
  
  .process-progress {
    width: 2px;
    height: 100% !important;
  }
  
  .process-node {
    position: relative;
    left: 0 !important;
    width: 100% !important;
    display: flex;
    align-items: center;
    gap: var(--space-md);
    text-align: left;
    padding-left: 0;
    margin-bottom: var(--space-md);
  }
  
  .process-dot {
    margin: 0;
    flex-shrink: 0;
    width: 48px;
    height: 48px;
    font-size: 1rem;
  }
  
  .process-detail-panel {
    flex-direction: column;
    gap: var(--space-md);
  }

  /* FAQ */
  .faq-answer {
    padding-left: var(--space-lg);
  }
}

@media (max-width: 768px) {
  :root {
    --space-section: 4rem;
    --space-2xl: 3rem;
  }

  .container {
    padding: 0 var(--space-md);
  }

  .nav-links {
    display: none;
  }

  .nav-toggle {
    display: flex;
  }

  .nav-links.open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: var(--nav-height);
    left: 0;
    right: 0;
    background: var(--color-white);
    padding: var(--space-md);
    gap: var(--space-sm);
    border-bottom: 1px solid var(--color-slate-200);
    box-shadow: var(--shadow-lg);
  }

  .hero {
    min-height: auto;
    padding: calc(var(--nav-height) + var(--space-xl)) 0 var(--space-2xl);
  }

  .hero-stats {
    flex-direction: column;
    gap: 0;
  }

  .stat-divider {
    width: 100%;
    height: 1px;
    margin: 0;
  }

  .hero-scroll {
    display: none;
  }

  .crs-flow-diagram {
    flex-direction: column;
    align-items: stretch;
  }

  .crs-node {
    max-width: none;
    display: flex;
    align-items: center;
    gap: var(--space-md);
    text-align: left;
  }

  .crs-node-icon {
    margin: 0;
    flex-shrink: 0;
  }

  .crs-connector {
    min-height: 24px;
    min-width: auto;
    transform: rotate(90deg);
  }

  .comparison-header,
  .comparison-row {
    grid-template-columns: 1fr;
    gap: var(--space-sm);
    padding: var(--space-md);
  }

  .comparison-header-hk,
  .comparison-header-us {
    text-align: left;
  }

  .comparison-detail-inner {
    grid-template-columns: 1fr;
  }

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

  .checkbox-group {
    grid-template-columns: 1fr;
  }

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

  .path-diagram {
    grid-template-columns: 1fr;
  }

  .contact-features {
    grid-template-columns: 1fr;
  }

  .hide-mobile {
    display: none;
  }

  .hero-title-accent::after {
    height: 3px;
  }

  .footer-bottom {
    flex-direction: column;
    text-align: center;
  }

  .crs-fields-grid {
    grid-template-columns: 1fr 1fr;
  }

  .advisor-subtitle {
    text-align: center;
    justify-content: center;
    display: flex;
  }

  .advisor-title {
    text-align: center;
  }

  .advisor-quote {
    padding: var(--space-md) var(--space-md);
    text-align: left;
  }

  .quote-text {
    font-size: 1.125rem;
  }

  .advisor-dimensions {
    justify-content: center;
  }

  .team-roles {
    flex-direction: column;
    gap: var(--space-xs);
  }

  .team-sep {
    display: none;
  }

  .why-item {
    gap: var(--space-sm);
  }
}

@media (max-width: 480px) {
  .crs-fields-grid {
    grid-template-columns: 1fr;
  }
}