:root {
    --navy: #1a3356;
    --navy-dark: #122340;
    --teal: #2e7d7d;
    --teal-light: #3a9a9a;
    --gold: #c9a84c;
    --cream: #f8f6f1;
    --white: #ffffff;
    --gray-light: #f2f4f7;
    --gray-mid: #e0e4ea;
    --text-dark: #1a2535;
    --text-mid: #4a5568;
    --text-light: #718096;
  }

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

  html { scroll-behavior: smooth; }

  body {
    font-family: 'Inter', sans-serif;
    color: var(--text-dark);
    background: var(--white);
    line-height: 1.6;
  }

  /* SKIP LINK */
  .skip-link {
    position: absolute;
    left: -9999px;
    top: 0;
    z-index: 1000;
    background: var(--gold);
    color: var(--navy-dark);
    padding: 0.85rem 1.5rem;
    font-weight: 700;
    text-decoration: none;
    border-radius: 0 0 4px 0;
  }

  .skip-link:focus {
    left: 0;
  }

  .sr-only {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
  }

  /* NAV */
  nav {
    position: fixed;
    top: 0; left: 0; right: 0;
    z-index: 100;
    background: var(--navy-dark);
    padding: 0 2rem;
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 72px;
    box-shadow: 0 2px 20px rgba(0,0,0,0.25);
  }

  .nav-logo img {
    height: 46px;
    width: auto;
  }

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

  .nav-links a {
    color: rgba(255,255,255,0.82);
    text-decoration: none;
    font-size: 0.88rem;
    font-weight: 500;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    transition: color 0.2s;
  }

  .nav-links a:hover { color: var(--gold); }

  .nav-cta {
    background: var(--gold);
    color: var(--navy-dark) !important;
    padding: 0.55rem 1.25rem !important;
    border-radius: 4px;
    font-weight: 600 !important;
  }

  .nav-cta:hover { background: #b8952e; color: var(--white) !important; }

  .nav-toggle {
    display: none;
    background: none;
    border: none;
    cursor: pointer;
    padding: 0.5rem;
    flex-direction: column;
    justify-content: center;
    gap: 5px;
  }

  .nav-toggle-bar {
    width: 24px;
    height: 2px;
    background: var(--white);
    display: block;
    border-radius: 1px;
  }

  .nav-toggle:focus-visible {
    outline: 2px solid var(--gold);
    outline-offset: 2px;
  }

  /* HERO */
  .hero {
    min-height: 100vh;
    padding-top: 72px;
    display: grid;
    grid-template-columns: 1fr 1fr;
    position: relative;
    overflow: hidden;
  }

  .hero-left {
    background: var(--navy);
    display: flex;
    flex-direction: column;
    justify-content: center;
    padding: 5rem 4rem 5rem 5rem;
    position: relative;
    z-index: 2;
  }

  .hero-eyebrow {
    font-size: 0.78rem;
    font-weight: 600;
    letter-spacing: 0.15em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 1.25rem;
  }

  .hero-title {
    font-family: 'Playfair Display', serif;
    font-size: clamp(2.4rem, 3.5vw, 3.5rem);
    font-weight: 700;
    color: var(--white);
    line-height: 1.15;
    margin-bottom: 1.5rem;
  }

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

  .hero-sub {
    font-size: 1.05rem;
    color: rgba(255,255,255,0.72);
    line-height: 1.75;
    max-width: 420px;
    margin-bottom: 2.5rem;
  }

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

  .btn-primary {
    background: var(--gold);
    color: var(--navy-dark);
    padding: 0.85rem 2rem;
    border-radius: 4px;
    font-weight: 700;
    font-size: 0.92rem;
    text-decoration: none;
    letter-spacing: 0.03em;
    transition: background 0.2s, transform 0.15s;
    display: inline-block;
  }

  .btn-primary:hover { background: #b8952e; transform: translateY(-1px); }

  .btn-outline {
    border: 2px solid rgba(255,255,255,0.4);
    color: var(--white);
    padding: 0.85rem 2rem;
    border-radius: 4px;
    font-weight: 600;
    font-size: 0.92rem;
    text-decoration: none;
    letter-spacing: 0.03em;
    transition: border-color 0.2s, background 0.2s;
    display: inline-block;
  }

  .btn-outline:hover { border-color: var(--white); background: rgba(255,255,255,0.08); }

  .btn-play {
    display: inline-flex;
    align-items: center;
    gap: 0.6rem;
  }

  .btn-play .play-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--gold);
    color: var(--navy-dark);
    flex-shrink: 0;
  }

  .btn-play .play-icon svg {
    margin-left: 1px;
  }

  .hero-stats {
    display: flex;
    gap: 2.5rem;
    margin-top: 3.5rem;
    padding-top: 2.5rem;
    border-top: 1px solid rgba(255,255,255,0.12);
  }

  .stat-num {
    font-family: 'Playfair Display', serif;
    font-size: 2rem;
    font-weight: 700;
    color: var(--gold);
    display: block;
    line-height: 1;
  }

  .stat-label {
    font-size: 0.78rem;
    color: rgba(255,255,255,0.55);
    letter-spacing: 0.05em;
    text-transform: uppercase;
    margin-top: 0.3rem;
    display: block;
  }

  .hero-right {
    position: relative;
    overflow: hidden;
  }

  .hero-right img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center top;
  }

  .hero-right::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(to right, var(--navy) 0%, transparent 30%);
  }

  /* SECTION BASE */
  section {
    padding: 5.5rem 0;
  }

  .container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 2rem;
  }

  .section-eyebrow {
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    color: var(--teal);
    margin-bottom: 0.75rem;
  }

  .section-title {
    font-family: 'Playfair Display', serif;
    font-size: clamp(1.8rem, 3vw, 2.6rem);
    font-weight: 700;
    color: var(--navy);
    line-height: 1.2;
    margin-bottom: 1rem;
  }

  .section-sub {
    font-size: 1.05rem;
    color: var(--text-mid);
    max-width: 560px;
    line-height: 1.7;
  }

  /* WHAT YOU GET */
  .value-section {
    background: var(--cream);
  }

  .value-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    margin-top: 3.5rem;
  }

  .value-card {
    background: var(--white);
    border-radius: 12px;
    overflow: hidden;
    box-shadow: 0 4px 24px rgba(26,51,86,0.08);
    border: 1px solid var(--gray-mid);
  }

  .value-card-header {
    padding: 1.5rem 2rem;
    display: flex;
    align-items: center;
    gap: 1rem;
  }

  .advisor-header { background: var(--navy); }
  .client-header { background: var(--teal); }

  .value-card-header h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.35rem;
    font-weight: 700;
    color: var(--white);
    line-height: 1.2;
  }

  .value-card-header p {
    font-size: 0.82rem;
    color: rgba(255,255,255,0.65);
    margin-top: 0.2rem;
  }

  .header-icon {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: rgba(255,255,255,0.15);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    font-size: 1.4rem;
  }

  .value-card-body {
    padding: 2rem;
  }

  .value-item {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
    padding: 0.9rem 0;
    border-bottom: 1px solid var(--gray-light);
  }

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

  .vi-icon {
    width: 36px;
    height: 36px;
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    font-size: 1rem;
  }

  .vi-icon.navy { background: rgba(26,51,86,0.08); }
  .vi-icon.teal { background: rgba(46,125,125,0.1); }

  .vi-text strong {
    display: block;
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--text-dark);
    margin-bottom: 0.2rem;
  }

  .vi-text span {
    font-size: 0.85rem;
    color: var(--text-mid);
    line-height: 1.5;
  }

  /* WHAT IS TAP */
  .about-section {
    background: var(--white);
  }

  .about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 5rem;
    align-items: center;
    margin-top: 3rem;
  }

  .about-img {
    border-radius: 12px;
    overflow: hidden;
    position: relative;
    box-shadow: 0 12px 48px rgba(26,51,86,0.15);
  }

  .about-img img {
    width: 100%;
    height: 440px;
    object-fit: cover;
  }

  .about-img-badge {
    position: absolute;
    bottom: 1.5rem;
    left: 1.5rem;
    background: var(--navy);
    color: var(--white);
    padding: 0.9rem 1.25rem;
    border-radius: 8px;
    border-left: 4px solid var(--gold);
  }

  .about-img-badge strong {
    display: block;
    font-family: 'Playfair Display', serif;
    font-size: 1.1rem;
    font-weight: 700;
  }

  .about-img-badge span {
    font-size: 0.78rem;
    color: rgba(255,255,255,0.65);
  }

  .about-text p {
    font-size: 1rem;
    color: var(--text-mid);
    line-height: 1.8;
    margin-bottom: 1.25rem;
  }

  /* PORTFOLIO ELEMENTS */
  .elements-section {
    background: var(--navy);
    overflow: hidden;
  }

  .elements-section .section-eyebrow { color: var(--gold); }
  .elements-section .section-title { color: var(--white); }
  .elements-section .section-sub { color: rgba(255,255,255,0.6); }

  .elements-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
    margin-top: 3.5rem;
  }

  .element-card {
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: 10px;
    padding: 1.75rem 1.25rem;
    text-align: center;
    transition: background 0.2s, transform 0.2s;
    cursor: default;
  }

  .element-card:hover {
    background: rgba(255,255,255,0.1);
    transform: translateY(-4px);
  }

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

  .element-name {
    font-family: 'Playfair Display', serif;
    font-size: 1rem;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 0.5rem;
  }

  .element-desc {
    font-size: 0.8rem;
    color: rgba(255,255,255,0.5);
    line-height: 1.5;
  }

  .element-bar {
    height: 3px;
    border-radius: 2px;
    background: var(--gold);
    margin: 1rem auto 0;
    width: 40px;
  }

  /* FEATURES & BENEFITS */
  .features-section {
    background: var(--gray-light);
  }

  .features-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    margin-top: 3.5rem;
    align-items: start;
  }

  .features-img-stack {
    position: relative;
    height: 480px;
  }

  .img-back {
    position: absolute;
    width: 75%;
    height: 380px;
    right: 0;
    top: 0;
    border-radius: 12px;
    overflow: hidden;
    box-shadow: 0 8px 32px rgba(26,51,86,0.15);
  }

  .img-front {
    position: absolute;
    width: 58%;
    height: 280px;
    left: 0;
    bottom: 0;
    border-radius: 12px;
    overflow: hidden;
    box-shadow: 0 12px 40px rgba(26,51,86,0.2);
    border: 4px solid var(--white);
  }

  .img-back img, .img-front img {
    width: 100%;
    height: 100%;
    object-fit: cover;
  }

  .feat-group {
    margin-bottom: 2.5rem;
  }

  .feat-group-title {
    font-family: 'Playfair Display', serif;
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 1.25rem;
    padding-bottom: 0.6rem;
    border-bottom: 2px solid var(--gold);
    display: inline-block;
  }

  .feat-item {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
    margin-bottom: 0.85rem;
  }

  .feat-check {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--teal);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    font-size: 0.7rem;
    margin-top: 1px;
  }

  .feat-item p {
    font-size: 0.93rem;
    color: var(--text-mid);
    line-height: 1.55;
  }

  /* DASHBOARD SCREENSHOTS */
  .dashboard-section {
    background: var(--white);
    padding-bottom: 2rem;
  }

  .screens-intro {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
    margin-bottom: 4rem;
  }

  .screens-showcase {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
  }

  .screen-card {
    border-radius: 10px;
    overflow: hidden;
    box-shadow: 0 6px 30px rgba(26,51,86,0.12);
    border: 1px solid var(--gray-mid);
    transition: transform 0.2s, box-shadow 0.2s;
  }

  .screen-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 12px 40px rgba(26,51,86,0.18);
  }

  .screen-card img {
    width: 100%;
    height: auto;
    display: block;
  }

  .screen-label {
    padding: 0.75rem 1rem;
    background: var(--navy);
    color: var(--white);
    font-size: 0.78rem;
    font-weight: 600;
    letter-spacing: 0.06em;
    text-transform: uppercase;
  }

  /* WHO BENEFITS */
  .who-section {
    background: var(--cream);
  }

  .who-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.25rem;
    margin-top: 3rem;
  }

  .who-card {
    background: var(--white);
    border-radius: 8px;
    padding: 1.5rem;
    border-top: 3px solid var(--teal);
    box-shadow: 0 2px 12px rgba(26,51,86,0.06);
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--navy);
    text-align: center;
    transition: border-color 0.2s, transform 0.2s;
  }

  .who-card:hover { border-color: var(--gold); transform: translateY(-2px); }

  .who-icon { font-size: 1.5rem; margin-bottom: 0.5rem; display: block; }

  /* CTA */
  .cta-section {
    background: var(--navy);
    padding: 5rem 0;
    text-align: center;
    position: relative;
    overflow: hidden;
  }

  .cta-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(ellipse at center, rgba(46,125,125,0.2) 0%, transparent 70%);
  }

  .cta-section .section-title { color: var(--white); margin-bottom: 0.75rem; }
  .cta-section .section-sub { color: rgba(255,255,255,0.65); margin: 0 auto 2.5rem; text-align: center; }

  /* FOOTER */
  footer {
    background: var(--navy-dark);
    color: rgba(255,255,255,0.5);
    text-align: center;
    padding: 2rem;
    font-size: 0.82rem;
  }

  footer strong { color: rgba(255,255,255,0.7); }

  /* RESPONSIVE */
  @media (max-width: 900px) {
    .hero { grid-template-columns: 1fr; min-height: auto; }
    .hero-right { height: 50vw; }
    .hero-left { padding: 3rem 2rem; }
    .value-grid, .about-grid, .features-grid, .screens-intro { grid-template-columns: 1fr; gap: 2rem; }
    .elements-grid { grid-template-columns: repeat(2, 1fr); }
    .who-grid { grid-template-columns: repeat(2, 1fr); }
    .features-img-stack { height: 300px; }
    nav .nav-links {
      display: none;
      position: absolute;
      top: 72px;
      left: 0;
      right: 0;
      flex-direction: column;
      align-items: flex-start;
      gap: 1.25rem;
      background: var(--navy-dark);
      padding: 1.5rem 2rem 2rem;
      box-shadow: 0 12px 24px rgba(0,0,0,0.25);
    }
    nav .nav-links.nav-open { display: flex; }
    .nav-toggle { display: flex; }
  }

  @media (max-width: 600px) {
    .who-grid { grid-template-columns: 1fr 1fr; }
    .screens-showcase { grid-template-columns: 1fr; }
  }

  /* MODAL */
  .modal-overlay {
    display: none;
    position: fixed;
    inset: 0;
    background: rgba(10,20,40,0.72);
    z-index: 1000;
    align-items: center;
    justify-content: center;
    padding: 1.5rem;
    backdrop-filter: blur(3px);
  }
  .modal-overlay.active { display: flex; }

  .modal {
    background: var(--white);
    border-radius: 14px;
    width: 100%;
    max-width: 520px;
    box-shadow: 0 24px 80px rgba(0,0,0,0.35);
    overflow: hidden;
    animation: modalIn 0.25s ease;
  }

  @keyframes modalIn {
    from { opacity: 0; transform: translateY(20px) scale(0.97); }
    to   { opacity: 1; transform: translateY(0) scale(1); }
  }

  /* VIDEO MODAL */
  .video-modal {
    position: relative;
    width: 100%;
    max-width: 900px;
    background: #000;
    border-radius: 10px;
    overflow: hidden;
    box-shadow: 0 24px 80px rgba(0,0,0,0.5);
    animation: modalIn 0.25s ease;
  }

  .video-modal video {
    display: block;
    width: 100%;
    height: auto;
    max-height: 80vh;
  }

  .video-modal-close {
    position: absolute;
    top: 0.75rem;
    right: 0.75rem;
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: rgba(0,0,0,0.55);
    border: none;
    color: var(--white);
    font-size: 1.4rem;
    line-height: 1;
    cursor: pointer;
    z-index: 2;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: background 0.2s;
  }

  .video-modal-close:hover { background: rgba(0,0,0,0.8); }

  .video-modal-close:focus-visible {
    outline: 2px solid var(--gold);
    outline-offset: 2px;
  }

  .modal-header {
    background: var(--navy);
    padding: 1.75rem 2rem 1.5rem;
    position: relative;
  }

  .modal-header h2 {
    font-family: 'Playfair Display', serif;
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 0.25rem;
  }

  .modal-header p {
    font-size: 0.85rem;
    color: rgba(255,255,255,0.6);
  }

  .modal-close {
    position: absolute;
    top: 1.25rem;
    right: 1.25rem;
    background: rgba(255,255,255,0.12);
    border: none;
    color: var(--white);
    width: 32px;
    height: 32px;
    border-radius: 50%;
    cursor: pointer;
    font-size: 1.1rem;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: background 0.2s;
    line-height: 1;
  }
  .modal-close:hover { background: rgba(255,255,255,0.22); }

  .modal-body {
    padding: 2rem;
  }

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

  .form-group {
    margin-bottom: 1.1rem;
  }

  .form-group label {
    display: block;
    font-size: 0.82rem;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 0.4rem;
    letter-spacing: 0.02em;
  }

  .form-group input[type="text"],
  .form-group input[type="email"],
  .form-group input[type="tel"],
  .form-group textarea {
    width: 100%;
    padding: 0.65rem 0.9rem;
    border: 1.5px solid var(--gray-mid);
    border-radius: 6px;
    font-family: 'Inter', sans-serif;
    font-size: 0.92rem;
    color: var(--text-dark);
    background: var(--white);
    transition: border-color 0.2s, box-shadow 0.2s;
    outline: none;
  }

  .form-group input:focus,
  .form-group textarea:focus {
    border-color: var(--teal);
    box-shadow: 0 0 0 3px rgba(46,125,125,0.12);
  }

  .form-group textarea {
    resize: vertical;
    min-height: 90px;
  }

  .form-check {
    display: flex;
    align-items: center;
    gap: 0.65rem;
    margin-bottom: 1.1rem;
    padding: 0.75rem 1rem;
    background: rgba(46,125,125,0.06);
    border-radius: 8px;
    border: 1.5px solid rgba(46,125,125,0.18);
  }

  .form-check input[type="checkbox"] {
    width: 18px;
    height: 18px;
    accent-color: var(--teal);
    cursor: pointer;
    flex-shrink: 0;
  }

  .form-check label {
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--navy);
    cursor: pointer;
    margin: 0;
  }

  .btn-submit {
    width: 100%;
    background: var(--navy);
    color: var(--white);
    border: none;
    padding: 0.9rem 1.5rem;
    border-radius: 6px;
    font-family: 'Inter', sans-serif;
    font-size: 0.95rem;
    font-weight: 700;
    cursor: pointer;
    letter-spacing: 0.03em;
    transition: background 0.2s, transform 0.15s;
    margin-top: 0.25rem;
  }
  .btn-submit:hover { background: var(--teal); transform: translateY(-1px); }

  .modal-success {
    display: none;
    text-align: center;
    padding: 2.5rem 2rem;
  }

  .modal-success.active { display: block; }
  .modal-form.hidden { display: none; }

  .success-icon {
    width: 64px;
    height: 64px;
    background: var(--teal);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.25rem;
    font-size: 1.75rem;
    color: white;
  }

  .modal-success h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.4rem;
    color: var(--navy);
    margin-bottom: 0.5rem;
  }

  .modal-success p {
    font-size: 0.92rem;
    color: var(--text-mid);
    line-height: 1.6;
  }


  /* HOW IT WORKS */
  .hiw-section {
    background: var(--navy);
    padding: 5rem 0 5.5rem;
    position: relative;
    overflow: hidden;
  }

  .hiw-section::before {
    content: '';
    position: absolute;
    top: -120px; left: 50%;
    transform: translateX(-50%);
    width: 700px; height: 700px;
    background: radial-gradient(ellipse, rgba(46,125,125,0.18) 0%, transparent 65%);
    pointer-events: none;
  }

  .hiw-section .section-eyebrow { color: var(--gold); }
  .hiw-section .section-title   { color: var(--white); }
  .hiw-section .section-sub     { color: rgba(255,255,255,0.55); }

  .hiw-header { margin-bottom: 4rem; }

  .hiw-steps {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
    position: relative;
  }

  /* Connector line between steps */
  .hiw-steps::before {
    content: '';
    position: absolute;
    top: 52px;
    left: calc(12.5% + 1px);
    right: calc(12.5% + 1px);
    height: 2px;
    background: linear-gradient(to right, var(--gold), var(--teal-light), var(--gold));
    opacity: 0.35;
    z-index: 0;
  }

  .hiw-step {
    position: relative;
    z-index: 1;
    padding: 0 1.25rem;
    text-align: center;
  }

  .hiw-step-num-wrap {
    position: relative;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.5rem;
  }

  .hiw-step-ring {
    width: 104px;
    height: 104px;
    border-radius: 50%;
    border: 2px solid rgba(201,168,76,0.3);
    position: absolute;
    top: 50%; left: 50%;
    transform: translate(-50%,-50%);
  }

  .hiw-step-num {
    width: 72px;
    height: 72px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Playfair Display', serif;
    font-size: 1.6rem;
    font-weight: 700;
    position: relative;
    z-index: 1;
    transition: transform 0.2s;
  }

  .hiw-step:hover .hiw-step-num { transform: scale(1.06); }

  .hiw-step-num.s1 { background: var(--gold); color: var(--navy); }
  .hiw-step-num.s2 { background: var(--teal); color: var(--white); }
  .hiw-step-num.s3 { background: rgba(255,255,255,0.12); color: var(--white); border: 2px solid rgba(255,255,255,0.25); }
  .hiw-step-num.s4 { background: var(--navy-dark); color: var(--gold); border: 2px solid var(--gold); }

  .hiw-step-icon {
    font-size: 1.1rem;
    display: block;
    margin-bottom: 0.6rem;
    opacity: 0.7;
  }

  .hiw-step h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1rem;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 0.75rem;
    line-height: 1.3;
  }

  .hiw-step p {
    font-size: 0.84rem;
    color: rgba(255,255,255,0.55);
    line-height: 1.65;
  }

  .hiw-step p a {
    color: var(--gold);
    text-decoration: underline;
    text-underline-offset: 3px;
    cursor: pointer;
  }

  .hiw-step p a:hover { color: #e8c96a; }

  .hiw-divider {
    display: none;
  }

  @media (max-width: 900px) {
    .hiw-steps {
      grid-template-columns: 1fr 1fr;
      gap: 2.5rem 1rem;
    }
    .hiw-steps::before { display: none; }
  }

  @media (max-width: 600px) {
    .hiw-steps { grid-template-columns: 1fr; gap: 2rem; }
  }

  /* PRICING */
  .pricing-section {
    background: var(--gray-light);
  }

  .pricing-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 2.5rem;
    margin-top: 3rem;
  }

  .pricing-box {
    background: var(--white);
    border: 1px solid var(--gray-mid);
    border-radius: 8px;
    padding: 2.75rem 2.5rem;
    box-shadow: 0 8px 30px rgba(26,51,86,0.06);
  }

  .pricing-box h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 1.5rem;
  }

  .pricing-banner {
    font-family: 'Playfair Display', serif;
    font-size: clamp(1.6rem, 2.6vw, 2.1rem);
    font-weight: 700;
    color: var(--navy);
    background: var(--cream);
    border-left: 4px solid var(--gold);
    padding: 1.1rem 1.5rem;
    border-radius: 4px;
    margin-bottom: 1.5rem;
  }

  .pricing-box p {
    color: var(--text-mid);
    line-height: 1.75;
    font-size: 1rem;
  }

  .pricing-box ul {
    list-style: none;
    margin-top: 0.25rem;
  }

  .pricing-box ul li {
    position: relative;
    padding-left: 1.5rem;
    margin-bottom: 0.9rem;
    color: var(--text-mid);
    line-height: 1.6;
    font-size: 1rem;
  }

  .pricing-box ul li::before {
    content: "";
    position: absolute;
    left: 0;
    top: 0.55rem;
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: var(--teal);
  }

  @media (max-width: 750px) {
    .pricing-grid { grid-template-columns: 1fr; }
  }