/* N&R Financial Professionals — dark navy + gold theme
   NOTE: variable names --teal / --teal-dark are kept but now hold GOLD values,
   so existing inline styles in the HTML pick up the new palette automatically. */
:root{
  --navy:#0e1a2c;        /* page background (dark) */
  --navy-2:#132339;      /* header / lighter dark */
  --panel:#16273d;       /* cards / panels */
  --panel-2:#1c3049;     /* hover / raised */
  --teal:#c8a24a;        /* GOLD accent */
  --teal-dark:#b78f38;   /* gold hover / links */
  --gold:#c8a24a;
  --cream:#e9e3d6;       /* cream accent */
  --ink:#e7edf5;         /* primary light text */
  --muted:#9fb0c2;       /* muted light text */
  --bg:#122036;          /* alt section / input bg */
  --line:#2a3d54;        /* borders on dark */
  --white:#ffffff;
  --radius:14px;--shadow:0 14px 34px rgba(0,0,0,.4);--maxw:1120px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;color:var(--ink);background:var(--navy);line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
section{padding:80px 0}
h1,h2,h3{line-height:1.2;color:var(--ink);font-weight:800}
h2{font-size:clamp(1.6rem,3vw,2.3rem);margin-bottom:14px}
h3{font-size:1.18rem;font-weight:700}
.eyebrow{color:var(--gold);font-weight:700;text-transform:uppercase;letter-spacing:.12em;font-size:.8rem;margin-bottom:10px}
.lead{color:var(--muted);font-size:1.05rem;max-width:680px}
.center{text-align:center}.center .lead{margin-left:auto;margin-right:auto}
.mt42{margin-top:42px}

/* Buttons */
.btn{display:inline-block;padding:14px 26px;border-radius:999px;font-weight:700;font-size:.98rem;cursor:pointer;border:2px solid transparent;transition:.2s;text-align:center}
.btn-primary{background:var(--gold);color:#0e1a2c}
.btn-primary:hover{background:var(--teal-dark);transform:translateY(-2px);box-shadow:0 10px 24px rgba(200,162,74,.35)}
.btn-ghost{background:transparent;color:var(--gold);border-color:rgba(200,162,74,.5)}
.btn-ghost:hover{border-color:var(--gold);background:rgba(200,162,74,.08)}
.btn-dark{background:var(--cream);color:#0e1a2c}
.btn-dark:hover{background:#fff;transform:translateY(-2px)}

/* Header */
header{position:sticky;top:0;z-index:50;background:rgba(14,26,44,.9);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px}
.logo{font-family:Georgia,'Times New Roman',serif;font-weight:700;color:var(--ink);font-size:1.2rem;letter-spacing:.02em}
.logo span{color:var(--gold)}
.navlinks{display:flex;gap:22px;align-items:center}
.navlinks a{color:var(--muted);font-weight:500;font-size:.94rem;position:relative}
.navlinks a:hover{color:var(--ink)}
.navlinks a.active{color:var(--gold);font-weight:700}
.navlinks a:not(.btn)::after{content:"";position:absolute;left:0;bottom:-4px;height:2px;width:0;background:var(--gold);transition:.25s}
.navlinks a:not(.btn):hover::after,.navlinks a.active:not(.btn)::after{width:100%}
.nav .btn{padding:10px 20px}
.menu-btn{display:none;background:none;border:0;font-size:1.6rem;color:var(--gold);cursor:pointer}

/* Hero */
.hero{background:radial-gradient(1000px 480px at 80% -10%,rgba(200,162,74,.14),transparent 60%),linear-gradient(160deg,#0e1a2c 0%,#0b1626 60%,#0a1420 100%);color:#fff;padding:92px 0 84px;position:relative;overflow:hidden;border-bottom:1px solid var(--line)}
.hero.sm{padding:64px 0 56px}
.blob{position:absolute;right:-120px;top:-120px;width:420px;height:420px;background:radial-gradient(circle,rgba(200,162,74,.22),transparent 70%);border-radius:50%;animation:float 9s ease-in-out infinite}
.blob2{right:auto;left:-160px;bottom:-160px;top:auto;width:360px;height:360px;background:radial-gradient(circle,rgba(200,162,74,.12),transparent 70%);animation-delay:-4s}
@keyframes float{0%,100%{transform:translate(0,0)}50%{transform:translate(-24px,26px)}}
.hero h1{color:#fff;font-size:clamp(1.9rem,4.4vw,3.1rem);max-width:880px;letter-spacing:-.02em}
.hero p{color:#c6d3e1;font-size:1.12rem;max-width:620px;margin:18px 0 28px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap}
.hero-badges{display:flex;gap:10px;flex-wrap:wrap;margin-top:32px}
.chip{background:rgba(200,162,74,.1);border:1px solid rgba(200,162,74,.3);color:#e7d4a6;padding:8px 14px;border-radius:999px;font-size:.83rem;font-weight:500}
.badge{display:inline-block;background:rgba(200,162,74,.16);color:#e7d4a6;border:1px solid rgba(200,162,74,.4);padding:6px 14px;border-radius:999px;font-size:.82rem;font-weight:600;margin-bottom:14px;letter-spacing:.02em}
.hero .anim{opacity:0;transform:translateY(20px);animation:heroIn .8s ease forwards}
.hero .d1{animation-delay:.05s}.hero .d2{animation-delay:.2s}.hero .d3{animation-delay:.35s}.hero .d4{animation-delay:.5s}
@keyframes heroIn{to{opacity:1;transform:none}}

/* Trust strip */
.trust{background:var(--bg);border-bottom:1px solid var(--line);padding:24px 0}
.trust-row{display:flex;flex-wrap:wrap;gap:14px 30px;align-items:center;justify-content:center}
.trust-row span{color:var(--muted);font-weight:600;font-size:.92rem}.trust-row b{color:var(--gold)}

/* Cards & grids */
.grid{display:grid;gap:22px}.g3{grid-template-columns:repeat(3,1fr)}.g2{grid-template-columns:repeat(2,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);padding:28px;transition:.22s}
.card:hover{box-shadow:var(--shadow);transform:translateY(-4px);border-color:rgba(200,162,74,.5)}
.card .ico{width:46px;height:46px;border-radius:11px;background:rgba(200,162,74,.14);color:var(--gold);display:flex;align-items:center;justify-content:center;font-size:1.4rem;font-weight:800;margin-bottom:16px;transition:.22s}
.card:hover .ico{background:var(--gold);color:#0e1a2c;transform:scale(1.06)}
.card h3{margin-bottom:8px;color:var(--ink)}.card p{color:var(--muted);font-size:.96rem}
.card ul{list-style:none;margin-top:12px}
.card ul li{color:var(--muted);font-size:.92rem;padding-left:20px;position:relative;margin-bottom:6px}
.card ul li::before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:800}
.alt{background:var(--bg)}

/* Mini cards */
.mini{text-align:center;padding:22px 14px;border:1px solid var(--line);border-radius:var(--radius);transition:.22s;background:var(--panel)}
.mini:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:rgba(200,162,74,.5)}
.mini .em{font-size:2rem}.mini h4{color:var(--ink);font-size:1rem;margin:10px 0 4px}.mini span{color:var(--muted);font-size:.86rem}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.step .num{width:42px;height:42px;border-radius:50%;background:var(--gold);color:#0e1a2c;font-weight:800;display:flex;align-items:center;justify-content:center;margin-bottom:14px;transition:.22s}
.step:hover .num{background:#e7d4a6;transform:scale(1.08)}
.step h3{font-size:1.05rem;margin-bottom:6px;color:var(--ink)}.step p{color:var(--muted);font-size:.93rem}

/* Reporting band (gold) */
.band{background:linear-gradient(160deg,#cba64d,#b0862d);color:#1c1405;border-radius:20px;padding:44px;display:grid;grid-template-columns:1.1fr 1fr;gap:30px;align-items:center}
.band h2{color:#1c1405}.band p{color:#3d2f0d}
.band .panel{background:rgba(14,26,44,.92);border:1px solid rgba(255,255,255,.08);border-radius:14px;padding:24px}
.band .panel ul{list-style:none}
.band .panel li{padding:10px 0;border-bottom:1px solid rgba(255,255,255,.12);font-weight:600;display:flex;justify-content:space-between;color:#e7edf5}
.band .panel li:last-child{border-bottom:0}
.band .panel li span:last-child{color:var(--gold)}

/* Stats */
.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.stat{text-align:center;padding:24px;border:1px solid var(--line);border-radius:var(--radius);transition:.22s;background:var(--panel)}
.stat:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:rgba(200,162,74,.5)}
.stat b{display:block;font-size:1.9rem;color:var(--gold);font-weight:800}
.stat span{color:var(--muted);font-size:.92rem}

/* Engagement toggle */
.toggle-wrap{display:flex;justify-content:center;margin:26px 0 30px}
.toggle{display:inline-flex;background:var(--bg);border:1px solid var(--line);border-radius:999px;padding:5px;position:relative}
.toggle button{border:0;background:none;font-family:inherit;font-weight:700;font-size:.95rem;color:var(--muted);padding:11px 26px;border-radius:999px;cursor:pointer;position:relative;z-index:2;transition:color .25s}
.toggle button.on{color:#0e1a2c}
.toggle .slider{position:absolute;top:5px;bottom:5px;left:5px;width:calc(50% - 5px);background:var(--gold);border-radius:999px;transition:transform .3s cubic-bezier(.4,0,.2,1);z-index:1}
.toggle.pos1 .slider{transform:translateX(100%)}
.plan{max-width:760px;margin:0 auto;background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);padding:32px;box-shadow:var(--shadow)}
.plan-body{display:none}.plan-body.show{display:block;animation:fadeUp .4s ease}
@keyframes fadeUp{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
.plan h3{font-size:1.3rem;margin-bottom:6px;color:var(--ink)}.plan .tagline{color:var(--gold);font-weight:700;margin-bottom:16px}
.plan ul{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:10px 24px}
.plan ul li{padding-left:24px;position:relative;color:var(--muted);font-size:.96rem}
.plan ul li::before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:800}

/* Tax calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:34px;max-width:900px;margin:0 auto;align-items:start}
.calc .field{margin-bottom:20px}
.calc .field label{display:block;font-size:.92rem;font-weight:600;color:var(--ink);margin-bottom:8px}
.calc .ni{width:100%;padding:14px 16px;border:1px solid var(--line);border-radius:10px;font-family:inherit;font-size:1.3rem;font-weight:800;color:var(--gold);background:var(--navy)}
.calc .ni:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(200,162,74,.2)}
.calc input[type=range]{width:100%;accent-color:var(--gold);margin-top:6px}
.calc .note{font-size:.82rem;color:var(--muted);margin-top:10px}
.out{background:#0a1420;border:1px solid var(--line);border-radius:18px;padding:28px;color:#fff}
.out .big{background:rgba(200,162,74,.14);border:1px solid rgba(200,162,74,.4);border-radius:12px;padding:18px;text-align:center;margin-bottom:16px}
.out .big span{font-size:.85rem;color:#e7d4a6;display:block}
.out .big b{font-size:2.1rem;color:var(--gold);display:block;line-height:1.1}
.out .row{display:flex;justify-content:space-between;font-size:.98rem;padding:11px 0;border-bottom:1px solid rgba(255,255,255,.1);color:var(--muted)}
.out .row:last-child{border-bottom:0}.out .row b{color:#fff}
.disc{font-size:.82rem;color:var(--muted);text-align:center;max-width:640px;margin:26px auto 0}

/* Resources */
.res{display:flex;gap:16px;align-items:center;border:1px solid var(--line);border-radius:14px;padding:18px 20px;transition:.22s;background:var(--panel)}
.res:hover{border-color:rgba(200,162,74,.5);box-shadow:var(--shadow);transform:translateY(-2px)}
.res .em{font-size:1.8rem}.res h4{color:var(--ink);font-size:1.02rem;margin:0}.res p{color:var(--muted);font-size:.88rem;margin:3px 0 0}
.res .dl{margin-left:auto;background:var(--gold);color:#0e1a2c;font-weight:700;font-size:.88rem;padding:9px 16px;border-radius:999px;white-space:nowrap}

/* FAQ */
details{background:var(--panel);border:1px solid var(--line);border-radius:12px;padding:0 20px;margin-bottom:12px;transition:.2s}
details[open]{border-color:rgba(200,162,74,.5);box-shadow:var(--shadow)}
details summary{cursor:pointer;font-weight:700;color:var(--ink);padding:18px 0;list-style:none;display:flex;justify-content:space-between;align-items:center}
details summary::-webkit-details-marker{display:none}
details summary::after{content:"+";font-size:1.4rem;color:var(--gold);transition:transform .25s}
details[open] summary::after{content:"–"}
details p{color:var(--muted);padding:0 0 18px;font-size:.96rem}

/* Contact / forms */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px}
form label{display:block;font-weight:600;font-size:.9rem;margin:14px 0 6px;color:var(--ink)}
form input,form select,form textarea{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:10px;font-family:inherit;font-size:.96rem;background:var(--navy);color:var(--ink);transition:.2s}
form input::placeholder,form textarea::placeholder{color:#6f8194}
form input:focus,form select:focus,form textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(200,162,74,.2)}
form textarea{min-height:120px;resize:vertical}
.contact-info p{margin-bottom:14px;color:var(--muted)}
.contact-info b{color:var(--gold);display:block;font-size:.85rem;text-transform:uppercase;letter-spacing:.05em}
.contact-info a{color:var(--ink)}
.contact-info a:hover{color:var(--gold)}

/* Footer */
footer{background:#0a1420;color:#9fb0c2;padding:54px 0 28px;border-top:1px solid var(--line)}
footer h4{color:#fff;font-size:.85rem;text-transform:uppercase;letter-spacing:.06em;margin-bottom:14px}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:34px;margin-bottom:30px}
footer a{color:#9fb0c2}footer a:hover{color:var(--gold)}
.foot-links a{display:block;margin-bottom:9px;font-size:.94rem}
.foot-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:20px;font-size:.85rem;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}

/* WhatsApp float */
.wa-float{position:fixed;right:20px;bottom:20px;z-index:60;background:#25d366;color:#053d1c;width:56px;height:56px;border-radius:50%;display:flex;align-items:center;justify-content:center;box-shadow:0 8px 24px rgba(0,0,0,.35);transition:.2s}
.wa-float:hover{transform:scale(1.08)}

/* Reveal — progressive enhancement. Content is visible by default; JS adds .pre to hide
   then .in to animate. If JS fails to run, nothing is ever hidden (no blank sections). */
.reveal{transition:opacity .6s ease,transform .6s ease}
.reveal.pre{opacity:0;transform:translateY(22px)}
.reveal.in{opacity:1;transform:none}
.reveal.d1{transition-delay:.08s}.reveal.d2{transition-delay:.16s}.reveal.d3{transition-delay:.24s}
@media (prefers-reduced-motion:reduce){.reveal.pre,.hero .anim{opacity:1;transform:none;transition:none;animation:none}.blob{animation:none}}

@media(max-width:900px){
  .g3,.g4,.steps,.why-grid{grid-template-columns:repeat(2,1fr)}
  .band,.contact-grid,.foot-grid,.calc,.plan ul{grid-template-columns:1fr}
  .navlinks{display:none}.menu-btn{display:block}
  .navlinks.open{display:flex;flex-direction:column;position:absolute;top:72px;left:0;right:0;background:var(--navy-2);border-bottom:1px solid var(--line);padding:18px