:root {
      --navy: #0b1724;
      --navy-2: #111f2f;
      --gold: #c9a45c;
      --gold-dark: #a9843e;
      --cream: #f6f1e8;
      --muted: #667085;
      --white: #fff;
      --border: rgba(201, 164, 92, .28);
      --shadow: 0 22px 60px rgba(11, 23, 36, .12);
      --radius: 22px;
    }

    html { scroll-behavior: smooth; }

    body {
      font-family: Arial, Helvetica, sans-serif;
      color: var(--navy);
      background: #fff;
      line-height: 1.65;
    }

    h1, h2, h3, h4, .navbar-brand, .btn, .section-kicker {
      letter-spacing: -.02em;
    }

    .top-nav {
      background: rgba(255,255,255,.95);
      backdrop-filter: blur(12px);
      border-bottom: 1px solid rgba(11,23,36,.08);
    }

    .brand-mark {
      width: 46px;
      height: 46px;
      border-radius: 50%;
      display: inline-grid;
      place-items: center;
      color: #fff;
      background: linear-gradient(135deg, var(--navy), var(--gold));
      box-shadow: 0 10px 30px rgba(201,164,92,.28);
      font-weight: 800;
      margin-right: .75rem;
    }

    .brand-main { font-weight: 800; font-size: 1.02rem; line-height: 1.1; }
    .brand-sub { color: var(--gold-dark); font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; }

    .nav-link { font-weight: 700; color: var(--navy) !important; }
    .nav-link:hover { color: var(--gold-dark) !important; }

    .btn-gold {
      background: var(--gold);
      border-color: var(--gold);
      color: #fff;
      font-weight: 800;
      border-radius: 999px;
      padding: .8rem 1.35rem;
      box-shadow: 0 12px 30px rgba(201,164,92,.25);
    }
    .btn-gold:hover { background: var(--gold-dark); border-color: var(--gold-dark); color: #fff; }

    .btn-outline-navy {
      color: var(--navy);
      border: 1px solid rgba(11,23,36,.18);
      background: #fff;
      font-weight: 800;
      border-radius: 999px;
      padding: .8rem 1.35rem;
    }
    .btn-outline-navy:hover { color: #fff; background: var(--navy); border-color: var(--navy); }

    .logo {
        max-height: 45px;
        padding-right: 20px;
    }

    .hero {
      position: relative;
      overflow: hidden;
      background:
        radial-gradient(circle at 88% 10%, rgba(201,164,92,.22), transparent 30%),
        linear-gradient(135deg,#061326,#0b1f3a 54%,#17324f);
      padding: 8.8rem 0 5rem;
    }

    .hero:before {
      content: "";
      position: absolute;
      inset: auto -80px -150px auto;
      width: 430px;
      height: 430px;
      border-radius: 50%;
      background: rgba(11,23,36,.05);
    }

    .section-kicker {
      color: var(--gold-dark);
      font-weight: 900;
      text-transform: uppercase;
      letter-spacing: .13em;
      font-size: .8rem;
      margin-bottom: .75rem;
    }

    .hero h1 {
      font-weight: 900;
      font-size: clamp(2.8rem, 6vw, 5.8rem);
      line-height: .95;
      color: var(--white);
    }

    .lead-copy {
      font-size: 1.18rem;
      color: #f1f1f1;
      max-width: 720px;
    }

    .hero-panel, .custom-card, .notice-card, .contact-card {
      background: rgba(255,255,255,.92);
      border: 1px solid var(--border);
      border-radius: var(--radius);
      box-shadow: var(--shadow);
    }

    .help-list { list-style: none; padding: 0; margin: 0; }
    .help-list li { display: flex; gap: .75rem; padding: .48rem 0; color: #344054; font-weight: 650; }
    .help-list i { color: var(--gold-dark); margin-top: .25rem; }

    .stat-card {
      background: var(--navy);
      color: #fff;
      border-radius: 18px;
      padding: 1.25rem;
      height: 100%;
      display: flex;
      flex-direction: column;
      justify-content: center;
      align-items: center;
      text-align: center;
      border: 1px solid rgba(255,255,255,.1);
    }
    .stat-card strong { color: var(--gold); font-size: 1.55rem; padding-bottom: 10px; display: block; line-height: 1; }
    .stat-card span { font-size: .9rem; color: rgba(255,255,255,.78); font-weight: 700; }

    section { padding: 5.25rem 0; }
    .section-title { font-weight: 900; font-size: clamp(2rem, 4vw, 3.6rem); line-height: 1; }
    .section-copy { color: var(--muted); font-size: 1.06rem; max-width: 840px; }

    .custom-card {
      position: relative;
      height: 100%;
      padding: 2rem;
      transition: transform .22s ease, box-shadow .22s ease, border-color .22s ease;
      overflow: hidden;
    }

    .custom-card:after {
      content: "";
      position: absolute;
      right: -55px;
      top: -55px;
      width: 130px;
      height: 130px;
      border-radius: 50%;
      background: rgba(11,23,36,.16);
    }

    .custom-card:hover {
      transform: translateY(-6px);
      border-color: rgba(201,164,92,.6);
      box-shadow: 0 30px 70px rgba(11,23,36,.16);
    }

    .icon-badge {
      width: 58px;
      height: 58px;
      border-radius: 18px;
      display: inline-grid;
      place-items: center;
      background: var(--navy);
      color: var(--white);
      border: 1px solid rgba(201,164,92,.28);
      font-size: 1.45rem;
      margin-bottom: 1.2rem;
    }

    .custom-card h3 { font-size: 1.22rem; font-weight: 900; margin-bottom: .75rem; }
    .custom-card p { color: var(--muted); margin-bottom: 0; }

    .founder-section { background: var(--navy); color: #fff; }
    .founder-section .section-copy, .founder-section p { color: rgba(255,255,255,.75); }
    .founder-box {
      border-radius: var(--radius);
      padding: 2rem;
      background: linear-gradient(145deg, rgba(255,255,255,.12), rgba(255,255,255,.05));
      border: 1px solid rgba(255,255,255,.12);
    }
    .founder-pill {
      display: inline-flex;
      align-items: center;
      gap: .5rem;
      padding: .65rem 1rem;
      margin: .3rem;
      border-radius: 999px;
      background: rgba(255,255,255,.08);
      border: 1px solid rgba(255,255,255,.12);
      color: rgba(255,255,255,.88);
      font-weight: 700;
    }

    .image-radius {
      border-radius: var(--radius);
    }

    .fees { background: var(--cream); }
    .fee-list { overflow: hidden; border-radius: var(--radius); border: 1px solid var(--border); background: #fff; box-shadow: var(--shadow); }
    .fee-row { display: flex; justify-content: space-between; gap: 1rem; padding: 1.25rem 1.5rem; border-bottom: 1px solid rgba(11,23,36,.08); }
    .fee-row:last-child { border-bottom: 0; }
    .fee-row span { color: var(--muted); font-weight: 700; }
    .fee-row strong { color: var(--navy); font-weight: 900; text-align: right; }

    .notice-card { padding: 2rem; border-left: 7px solid var(--gold); }
    .notice-icon { color: var(--gold-dark); font-size: 2rem; }

    .contact-section { background: linear-gradient(135deg, var(--navy), var(--navy-2)); color: #fff; }
    .contact-section .section-copy { color: rgba(255,255,255,.72); }
    .contact-card { padding: 2rem; color: var(--navy); }
    .form-control, .form-select { border-radius: 14px; padding: .86rem 1rem; border-color: rgba(11,23,36,.14); }
    .form-control:focus, .form-select:focus { border-color: var(--gold); box-shadow: 0 0 0 .25rem rgba(201,164,92,.17); }

    .contact-detail {
      display: flex;
      gap: .8rem;
      align-items: flex-start;
      color: rgba(255,255,255,.82);
      margin-bottom: 1rem;
      font-weight: 700;
    }
    .contact-detail i { color: var(--gold); margin-top: .25rem; }
    .contact-detail a { color: #fff; text-decoration: none; }

    footer { background: #07101b; color: rgba(255,255,255,.68); padding: 2.5rem 0; }
    footer a { color: rgba(255,255,255,.8); text-decoration: none; margin-right: 1rem; }
    footer a:hover { color: var(--gold); }

    .floating-call {
      position: fixed;
      right: 18px;
      bottom: 90px;
      z-index: 999;
      display: inline-flex;
      align-items: center;
      gap: .5rem;
      padding: .85rem 1.1rem;
      border-radius: 999px;
      background: var(--gold);
      color: #fff;
      text-decoration: none;
      font-weight: 900;
      box-shadow: 0 18px 45px rgba(11,23,36,.28);
    }


    .page-hero {
      position: relative;
      overflow: hidden;
      background:
        radial-gradient(circle at 88% 10%, rgba(201,164,92,.22), transparent 30%),
        linear-gradient(135deg,#061326,#0b1f3a 54%,#17324f);
      padding: 9rem 0 4.5rem;
      color: #fff;
    }

    .page-hero h1 {
      font-weight: 900;
      font-size: clamp(2.6rem, 5vw, 4.8rem);
      line-height: 1;
    }

    .page-hero .section-copy { color: rgba(255,255,255,.78); }

    .upload-section { background: var(--cream); }

    .upload-guide {
      background: var(--navy);
      color: #fff;
      border-radius: var(--radius);
      padding: 2rem;
      height: 100%;
      box-shadow: var(--shadow);
    }

    .upload-guide h2 { font-weight: 900; }
    .upload-guide p { color: rgba(255,255,255,.74); }

    .upload-guide .help-list li {
      color: rgba(255,255,255,.86);
      border-bottom: 1px solid rgba(255,255,255,.09);
      padding: .8rem 0;
    }

    .upload-guide .help-list li:last-child { border-bottom: 0; }
    .upload-guide .help-list i { color: var(--gold); }

    .upload-form {
      background: #fff;
      border: 1px solid var(--border);
      border-radius: var(--radius);
      box-shadow: var(--shadow);
      padding: 2rem;
    }

    .upload-form h2 { font-weight: 900; }

    .file-upload-box {
      border: 2px dashed rgba(201,164,92,.55);
      border-radius: 18px;
      background: rgba(246,241,232,.55);
      padding: 1.25rem;
    }

    .privacy-note {
      display: flex;
      gap: .75rem;
      align-items: flex-start;
      color: var(--muted);
      font-size: .92rem;
    }

    .privacy-note i { color: var(--gold-dark); margin-top: .25rem; }

    .referral-section { background: var(--cream); }

    .referral-intro {
      background: var(--navy);
      color: #fff;
      border-radius: var(--radius);
      padding: 2rem;
      height: 100%;
      box-shadow: var(--shadow);
    }

    .referral-intro h2 { font-weight: 900; }
    .referral-intro p { color: rgba(255,255,255,.76); }

    .referral-points {
      display: grid;
      gap: 1rem;
      margin-top: 1.5rem;
    }

    .referral-point {
      display: flex;
      gap: .9rem;
      padding: 1rem;
      border-radius: 16px;
      background: rgba(255,255,255,.07);
      border: 1px solid rgba(255,255,255,.1);
    }

    .referral-point i { color: var(--gold); margin-top: .25rem; }
    .referral-point h3 { font-size: 1rem; font-weight: 900; margin-bottom: .2rem; }
    .referral-point p { margin: 0; font-size: .94rem; }

    .refer-list {
      list-style: none;
      padding: 0;
      margin: 1.5rem 0 0;
      display: grid;
      grid-template-columns: repeat(2, minmax(0, 1fr));
      gap: .75rem;
    }

    .refer-list li {
      display: flex;
      gap: .65rem;
      align-items: flex-start;
      color: rgba(255,255,255,.86);
      font-weight: 700;
    }

    .refer-list i { color: var(--gold); margin-top: .25rem; }

    .referral-form {
      background: #fff;
      border: 1px solid var(--border);
      border-radius: var(--radius);
      box-shadow: var(--shadow);
      padding: 2rem;
    }

    .referral-form h2 { font-weight: 900; }

    .legal-content {
        max-width: 900px;
        margin: auto;
    }

    .form-honeypot {
        position: absolute !important;
        left: -9999px !important;
        width: 1px !important;
        height: 1px !important;
        overflow: hidden !important;
        opacity: 0 !important;
        pointer-events: none !important;
    }

    .legal-content h2 {
        font-size: 1.9rem;
        font-weight: 800;
        color: var(--navy);
        margin-top: 2.5rem;
        margin-bottom: 1rem;
    }

    .legal-content h3 {
        font-size: 1.35rem;
        font-weight: 700;
        color: var(--navy);
        margin-top: 2rem;
        margin-bottom: .75rem;
    }

    .legal-content p,
    .legal-content li {
        color: var(--muted);
        line-height: 1.85;
        margin-bottom: 1rem;
    }

    .legal-content ul,
    .legal-content ol {
        padding-left: 1.4rem;
        margin-bottom: 1.5rem;
    }

    .legal-content a {
        color: var(--gold-dark);
        font-weight: 700;
        text-decoration: none;
    }

    .legal-content a:hover {
        text-decoration: underline;
    }

    .legal-content strong {
        color: var(--navy);
    }

    .legal-content hr {
        margin: 3rem 0;
        opacity: .15;
    }

    @media (max-width: 991.98px) {
      .hero { padding-top: 7rem; }
      .fee-row { flex-direction: column; }
      .fee-row strong { text-align: left; }
      .refer-list { grid-template-columns: 1fr; }
    }

    /* ==========================================================
   Client Onboarding
========================================================== */

.onboarding-section {
    background: var(--cream);
}

.onboarding-intro {
    background: var(--navy);
    color: #fff;
    border-radius: var(--radius);
    padding: 2rem;
    height: 100%;
    box-shadow: var(--shadow);
}

.onboarding-intro h2 {
    font-weight: 900;
}

.onboarding-intro p {
    color: rgba(255,255,255,.76);
}

.process-list {
    display: grid;
    gap: 1rem;
    margin-top: 1.5rem;
}

.process-item {
    display: flex;
    gap: .9rem;
    padding: 1rem;
    border-radius: 16px;
    background: rgba(255,255,255,.07);
    border: 1px solid rgba(255,255,255,.1);
}

.process-item i {
    color: var(--gold);
    margin-top: .25rem;
    font-size: 1.1rem;
}

.process-item h3 {
    font-size: 1rem;
    font-weight: 800;
    margin-bottom: .2rem;
}

.process-item p {
    margin: 0;
    font-size: .95rem;
}

.important-note {
    margin-top: 1.5rem;
    padding: 1rem 1.25rem;
    border-radius: 16px;
    background: rgba(201,164,92,.12);
    border: 1px solid rgba(201,164,92,.25);
    color: rgba(255,255,255,.85);
}

.important-note strong {
    color: var(--gold);
}

/* Form */

.onboarding-form {
    background: #fff;
    border: 1px solid rgba(201,164,92,.25);
    border-radius: var(--radius);
    padding: 2rem;
    box-shadow: var(--shadow);
}

.onboarding-form h2 {
    font-weight: 900;
}

.form-section {
    margin-bottom: 2rem;
    padding-bottom: 2rem;
    border-bottom: 1px solid rgba(0,0,0,.08);
}

.form-section:last-child {
    border-bottom: 0;
    margin-bottom: 0;
    padding-bottom: 0;
}

.form-section-title {
    display: flex;
    align-items: center;
    gap: .8rem;
    margin-bottom: 1rem;
}

.form-section-title i {
    width: 42px;
    height: 42px;
    border-radius: 12px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: var(--navy);
    color: var(--gold);
}

.form-section-title h3 {
    margin: 0;
    font-size: 1.1rem;
    font-weight: 800;
}

.acceptance-box {
    background: rgba(246,241,232,.7);
    border: 1px solid rgba(201,164,92,.25);
    border-radius: 18px;
    padding: 1.5rem;
}

.acceptance-box ul {
    margin-bottom: 1.5rem;
    padding-left: 1.4rem;
}

.acceptance-box li {
    margin-bottom: .6rem;
}

.signature-help {
    color: var(--muted);
    font-size: .9rem;
    margin-top: .5rem;
}

.privacy-note {
    display: flex;
    align-items: flex-start;
    gap: .75rem;
    margin-top: 1.5rem;
    color: var(--muted);
    font-size: .9rem;
}

.privacy-note i {
    color: var(--gold-dark);
    margin-top: .2rem;
}

.hp-field {
    position: absolute !important;
    left: -9999px !important;
    width: 1px !important;
    height: 1px !important;
    overflow: hidden !important;
}

@media (max-width: 991px) {

    .onboarding-intro,
    .onboarding-form {
        padding: 1.5rem;
    }

}