/* =========================================================
   TOKENS — identical values to the shared SA Hedge Fund system,
   scoped to .financial-planning-root so nothing leaks into, or
   is overridden by, the host application's own CSS variables.
   ========================================================= */

.financial-planning-root{
  --navy:#0B1F33;
  --navy-deep:#071523;
  --navy-raise:#112A44;
  --gold:#C9A24D;
  --gold-dim:rgba(201,162,77,0.28);
  --gold-dark:#9A7A34;
  --cream:#F3EFE7;
  --neutral:#F3F1ED;
  --on-navy:#F3EFE7;
  --on-navy-mute:#9FAFC2;
  --on-cream:#0B1F33;
  --on-cream-mute:#5A6579;
  --good:#5B8A6B;
  --warn:#B5502E;
  --max:1220px;
  --gutter:clamp(20px,4vw,48px);
  --read:720px;
}

.financial-planning-root,
.financial-planning-root *{
  box-sizing:border-box;
}

.financial-planning-root{
  background:var(--cream);
  color:var(--on-cream);
  font-family:'Inter',sans-serif;
  -webkit-font-smoothing:antialiased;
}

.financial-planning-root h1,
.financial-planning-root h2,
.financial-planning-root h3,
.financial-planning-root h4,
.financial-planning-root .serif{
  font-family:'Playfair Display',serif;
  font-weight:600;
  margin:0;
}

.financial-planning-root p{
  margin:0;
}

.financial-planning-root a{
  color:inherit;
  text-decoration:none;
}

.financial-planning-root ::selection{
  background:var(--gold);
  color:var(--navy-deep);
}

.financial-planning-root label{
  font-family:'Inter',sans-serif;
}

.financial-planning-wrap{
  max-width:var(--max);
  margin:0 auto;
  padding:0 var(--gutter);
}


/* =========================================================
   ACCESSIBILITY
   ========================================================= */

.skip-link{
  position:absolute;
  left:-9999px;
  top:0;
  z-index:200;
  background:var(--gold);
  color:var(--navy-deep);
  padding:12px 20px;
  font-size:0.85rem;
  font-weight:600;
}

.skip-link:focus{
  left:16px;
  top:16px;
}

a:focus-visible,
button:focus-visible,
summary:focus-visible,
select:focus-visible,
input:focus-visible{
  outline:2px solid var(--gold);
  outline-offset:3px;
}


/* =========================================================
   EYEBROW
   ========================================================= */

.financial-planning-eyebrow{
  display:inline-flex;
  align-items:center;
  gap:10px;
  font-size:0.74rem;
  letter-spacing:0.16em;
  text-transform:uppercase;
  color:var(--gold-dark);
  margin-bottom:20px;
}

.financial-planning-eyebrow::before{
  content:'';
  width:24px;
  height:1px;
  background:var(--gold-dark);
}

.financial-planning-eyebrow-light{
  color:var(--gold);
}

.financial-planning-eyebrow-light::before{
  background:var(--gold);
}


/* =========================================================
   BUTTONS
   ========================================================= */

.financial-planning-btn{
  display:inline-flex;
  align-items:center;
  gap:10px;
  min-height:48px;
  padding:0 26px;
  font-size:0.86rem;
  letter-spacing:0.02em;
  transition:all .25s ease;
  border:1px solid transparent;
  cursor:pointer;
  font-family:'Inter',sans-serif;
  background:none;
}

.financial-planning-btn-primary{
  background:var(--gold);
  color:var(--navy-deep);
  font-weight:500;
}

.financial-planning-btn-primary:hover{
  background:#dcb769;
}

.financial-planning-btn-primary[aria-disabled="true"]{
  background:rgba(201,162,77,0.35);
  color:rgba(7,21,35,0.55);
  cursor:not-allowed;
  pointer-events:none;
}

.financial-planning-btn-line{
  border-bottom:1px solid rgba(11,31,51,0.25);
  padding:0 0 4px;
  color:var(--on-cream);
}

.financial-planning-btn-line:hover{
  border-color:var(--gold-dark);
  color:var(--gold-dark);
}

.financial-planning-btn-line-light{
  border-color:rgba(243,239,231,0.35);
  color:var(--on-navy);
}

.financial-planning-btn-line-light:hover{
  color:var(--gold);
  border-color:var(--gold);
}

.financial-planning-btn:hover .financial-planning-arrow{
  transform:translateX(3px);
}

.financial-planning-arrow{
  transition:transform .25s ease;
  display:inline-block;
}


/* =========================================================
   SECTION HEAD
   ========================================================= */

.financial-planning-section-head{
  max-width:660px;
}

.financial-planning-section-head h2{
  font-size:clamp(1.5rem,2.8vw,2.05rem);
}

.financial-planning-lede{
  font-size:1rem;
  line-height:1.75;
  color:var(--on-cream-mute);
  max-width:64ch;
  margin-top:16px;
}


/* =========================================================
   NAV — SITEWIDE SHARED COMPONENT
   ========================================================= */

.nav{
  position:sticky;
  top:0;
  z-index:60;
  background:rgba(7,21,35,0.94);
  backdrop-filter:blur(10px);
  border-bottom:1px solid rgba(201,162,77,0.18);
  color:#F3EFE7;
}

.nav-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  max-width:1220px;
  margin:0 auto;
  padding:18px clamp(20px,4vw,48px);
  min-height:64px;
}

.logo{
  display:flex;
  align-items:center;
  gap:10px;
  font-family:'Playfair Display',serif;
  font-size:1.05rem;
  letter-spacing:0.01em;
  color:#F3EFE7;
}

.logo .idx{
  font-family:'Inter',sans-serif;
  font-size:0.7rem;
  color:#C9A24D;
  letter-spacing:0.1em;
  border:1px solid rgba(201,162,77,0.28);
  padding:3px 7px;
}

.nav-links{
  display:flex;
  align-items:center;
  gap:clamp(16px,2.6vw,32px);
}

.nav-links a{
  font-size:0.78rem;
  letter-spacing:0.05em;
  text-transform:uppercase;
  color:#9FAFC2;
  position:relative;
  padding:4px 0;
  white-space:nowrap;
}

.nav-links a::after{
  content:'';
  position:absolute;
  left:0;
  bottom:-2px;
  width:0;
  height:1px;
  background:#C9A24D;
  transition:width .25s ease;
}

.nav-links a:hover{
  color:#F3EFE7;
}

.nav-links a:hover::after{
  width:100%;
}

.nav-links a[aria-current="page"]{
  color:#C9A24D;
}

.nav-links a[aria-current="page"]::after{
  width:100%;
}

.nav-links .nav-cta{
  text-transform:none;
  letter-spacing:0.02em;
  border:1px solid rgba(201,162,77,0.28);
  padding:10px 18px;
  color:#C9A24D;
  min-height:44px;
  display:inline-flex;
  align-items:center;
}

.nav-links .nav-cta:hover{
  background:#C9A24D;
  color:#071523;
}

.nav-links .nav-cta::after{
  display:none;
}

.nav-burger{
  display:none;
  width:44px;
  height:44px;
  border:1px solid rgba(201,162,77,0.3);
  background:none;
  align-items:center;
  justify-content:center;
  cursor:pointer;
  flex-direction:column;
  gap:5px;
}

.nav-burger span{
  width:18px;
  height:1px;
  background:#C9A24D;
  display:block;
  transition:transform .25s ease, opacity .25s ease;
}

.nav-burger[aria-expanded="true"] span:nth-child(1){
  transform:translateY(6px) rotate(45deg);
}

.nav-burger[aria-expanded="true"] span:nth-child(2){
  opacity:0;
}

.nav-burger[aria-expanded="true"] span:nth-child(3){
  transform:translateY(-6px) rotate(-45deg);
}

.mobile-drawer{
  display:none;
  flex-direction:column;
  gap:2px;
  background:#071523;
  border-bottom:1px solid rgba(201,162,77,0.18);
  padding:8px clamp(20px,4vw,48px) 20px;
}

.mobile-drawer.open{
  display:flex;
}

.mobile-drawer a{
  padding:14px 4px;
  font-size:0.95rem;
  border-bottom:1px solid rgba(201,162,77,0.1);
  min-height:44px;
  display:flex;
  align-items:center;
  color:#F3EFE7;
}

.mobile-drawer a[aria-current="page"]{
  color:#C9A24D;
}

.mobile-drawer .m-cta{
  color:#C9A24D;
  font-weight:500;
}


/* =========================================================
   BREADCRUMBS
   ========================================================= */

.financial-planning-crumbs{
  background:var(--navy-deep);
  border-bottom:1px solid rgba(201,162,77,0.14);
}

.financial-planning-crumbs ol{
  list-style:none;
  display:flex;
  flex-wrap:wrap;
  align-items:center;
  gap:8px;
  margin:0 auto;
  padding:12px var(--gutter);
  max-width:var(--max);
  font-size:0.76rem;
  color:var(--on-navy-mute);
}

.financial-planning-crumbs a{
  color:var(--on-navy-mute);
}

.financial-planning-crumbs a:hover{
  color:var(--gold);
}

.financial-planning-crumbs li[aria-current]{
  color:var(--gold);
}

.financial-planning-crumbs li:not(:last-child)::after{
  content:'/';
  margin-left:8px;
  color:rgba(159,175,194,0.4);
}


/* =========================================================
   FOOTER — SITEWIDE SHARED COMPONENT
   ========================================================= */

footer{
  border-top:1px solid rgba(201,162,77,0.18);
  padding:clamp(32px,5vw,48px) 0;
  background:#071523;
  color:#F3EFE7;
}

.footer-inner{
  display:flex;
  justify-content:space-between;
  align-items:center;
  flex-wrap:wrap;
  gap:20px;
}

.footer-inner .fmark{
  font-family:'Playfair Display',serif;
  font-size:0.95rem;
}

.footer-links{
  display:flex;
  gap:clamp(16px,3vw,28px);
  flex-wrap:wrap;
}

.footer-links a{
  font-size:0.78rem;
  color:#9FAFC2;
}

.footer-links a:hover{
  color:#C9A24D;
}

.footer-links a[aria-current="page"]{
  color:#C9A24D;
}

.footer-fine{
  font-size:0.74rem;
  color:rgba(159,175,194,0.5);
  margin-top:20px;
  text-align:center;
}

.wrap{
  max-width:1220px;
  margin:0 auto;
  padding:0 clamp(20px,4vw,48px);
}


/* =========================================================
   REVEAL ANIMATION
   ========================================================= */

.reveal{
  opacity:0;
  transform:translateY(16px);
  transition:opacity .7s ease, transform .7s ease;
}

.reveal.in{
  opacity:1;
  transform:none;
}

@media (prefers-reduced-motion: reduce){
  .reveal{
    opacity:1;
    transform:none;
    transition:none;
  }
}


/* =========================================================
   BACKGROUND ART
   ========================================================= */

.financial-planning-art-dark{
  position:absolute;
  inset:0;
  pointer-events:none;
}

.financial-planning-art-light{
  position:absolute;
  inset:0;
  pointer-events:none;
  z-index:0;
}


/* =========================================================
   01 HERO
   ========================================================= */

.financial-planning-hero{
  position:relative;
  background:var(--navy);
  color:var(--on-navy);
  padding:clamp(60px,9vw,100px) 0 clamp(68px,10vw,108px);
  overflow:hidden;
}

.financial-planning-hero-art{
  position:absolute;
  inset:0;
  opacity:0.16;
  pointer-events:none;
}

.financial-planning-hero-inner{
  position:relative;
  max-width:760px;
}

.financial-planning-hero h1{
  font-size:clamp(2.2rem,4.6vw,3.3rem);
  line-height:1.15;
  letter-spacing:-0.01em;
  margin-bottom:20px;
}

.financial-planning-hero-statement{
  font-size:1.18rem;
  line-height:1.6;
  color:var(--on-navy);
  max-width:52ch;
  margin-bottom:16px;
  font-style:italic;
  font-family:'Playfair Display',serif;
  font-weight:500;
}

.financial-planning-hero-sub{
  font-size:1rem;
  line-height:1.8;
  color:var(--on-navy-mute);
  max-width:60ch;
  margin-bottom:36px;
}

.financial-planning-hero-actions{
  display:flex;
  gap:20px;
  flex-wrap:wrap;
}


/* =========================================================
   02 WHY FINANCIAL PLANNING MATTERS
   ========================================================= */

.financial-planning-why{
  position:relative;
  overflow:hidden;
  padding:clamp(64px,9vw,104px) 0;
}

.financial-planning-why-grid{
  position:relative;
  display:grid;
  grid-template-columns:1.05fr 0.95fr;
  gap:clamp(40px,5vw,64px);
  align-items:start;
  max-width:1120px;
  margin:0 auto;
}

.financial-planning-why-copy p{
  font-size:1rem;
  line-height:1.85;
  color:var(--on-cream-mute);
  margin-top:16px;
  max-width:56ch;
}

.financial-planning-why-list{
  list-style:none;
  margin:0;
  padding:0;
  border-top:1px solid rgba(11,31,51,0.12);
}

.financial-planning-why-list li{
  display:flex;
  align-items:center;
  gap:14px;
  padding:14px 2px;
  font-size:0.92rem;
  color:var(--on-cream);
  border-bottom:1px solid rgba(11,31,51,0.12);
}

.financial-planning-why-list li svg{
  flex:none;
  width:14px;
  height:14px;
  color:var(--gold-dark);
}

.financial-planning-why-note{
  margin-top:20px;
  font-family:'Playfair Display',serif;
  font-style:italic;
  font-size:1.02rem;
  line-height:1.6;
  color:var(--on-cream);
  background:#fff;
  border:1px solid rgba(11,31,51,0.1);
  padding:20px 22px;
}


/* =========================================================
   03 THE FINANCIAL PICTURE
   ========================================================= */

.financial-planning-picture{
  position:relative;
  overflow:hidden;
  background:var(--navy);
  color:var(--on-navy);
  padding:clamp(72px,10vw,116px) 0;
}

.financial-planning-picture-art{
  position:absolute;
  inset:0;
  opacity:0.1;
  pointer-events:none;
}

.financial-planning-picture .financial-planning-section-head{
  position:relative;
  margin:0 auto clamp(44px,5.5vw,56px);
  text-align:center;
  max-width:640px;
}

.financial-planning-picture .financial-planning-eyebrow{
  justify-content:center;
}

.financial-planning-picture h2{
  color:var(--on-navy);
}

.financial-planning-picture-grid{
  position:relative;
  display:flex;
  flex-wrap:wrap;
  justify-content:center;
  gap:1px;
  max-width:1160px;
  margin:0 auto;
  background:rgba(201,162,77,0.14);
  border:1px solid rgba(201,162,77,0.14);
}

.financial-planning-picture-card{
  flex:1 1 220px;
  min-width:190px;
  background:var(--navy-deep);
  padding:clamp(24px,2.6vw,30px);
}

.financial-planning-picture-icon{
  width:40px;
  height:40px;
  border-radius:50%;
  border:1px solid var(--gold-dim);
  color:var(--gold);
  display:flex;
  align-items:center;
  justify-content:center;
  margin-bottom:16px;
}

.financial-planning-picture-icon svg{
  width:17px;
  height:17px;
}

.financial-planning-picture-card h3{
  font-size:0.98rem;
  margin-bottom:8px;
  color:var(--on-navy);
}

.financial-planning-picture-card p{
  font-size:0.85rem;
  line-height:1.6;
  color:var(--on-navy-mute);
}


/* =========================================================
   04 PLANNING ACROSS TIME
   ========================================================= */

.financial-planning-timeline{
  position:relative;
  overflow:hidden;
  padding:clamp(64px,9vw,104px) 0;
}

.financial-planning-timeline-art{
  position:absolute;
  inset:0;
  opacity:0.06;
  pointer-events:none;
}

.financial-planning-timeline .financial-planning-section-head{
  position:relative;
  margin:0 auto clamp(20px,2.5vw,24px);
  text-align:center;
  max-width:640px;
}

.financial-planning-timeline .financial-planning-eyebrow{
  justify-content:center;
}

.financial-planning-timeline-note{
  position:relative;
  text-align:center;
  font-family:'Playfair Display',serif;
  font-style:italic;
  font-size:1.02rem;
  color:var(--on-cream-mute);
  max-width:520px;
  margin:0 auto clamp(44px,5.5vw,52px);
}

.financial-planning-timeline-flow{
  position:relative;
  display:flex;
  align-items:stretch;
  gap:0;
  max-width:1180px;
  margin:0 auto;
  flex-wrap:wrap;
  justify-content:center;
}

.financial-planning-timeline-node{
  flex:1 1 180px;
  min-width:160px;
  background:#fff;
  border:1px solid rgba(11,31,51,0.12);
  padding:clamp(22px,2.4vw,26px) clamp(14px,1.8vw,18px);
  text-align:center;
}

.financial-planning-timeline-icon{
  width:38px;
  height:38px;
  border-radius:50%;
  border:1px solid var(--gold-dim);
  color:var(--gold-dark);
  display:flex;
  align-items:center;
  justify-content:center;
  margin:0 auto 14px;
}

.financial-planning-timeline-icon svg{
  width:16px;
  height:16px;
}

.financial-planning-timeline-node h3{
  font-size:0.9rem;
  line-height:1.35;
  margin-bottom:6px;
}

.financial-planning-timeline-node p{
  font-size:0.78rem;
  line-height:1.5;
  color:var(--on-cream-mute);
}

.financial-planning-timeline-arrow{
  flex:0 0 auto;
  width:34px;
  display:flex;
  align-items:center;
  justify-content:center;
  color:var(--gold-dark);
}

.financial-planning-timeline-arrow svg{
  width:18px;
  height:18px;
}


/* =========================================================
   05 PRIORITIES BEFORE PRODUCTS
   ========================================================= */

.financial-planning-priorities{
  position:relative;
  overflow:hidden;
  background:var(--neutral);
  padding:clamp(64px,9vw,104px) 0;
}

.financial-planning-priorities-art{
  position:absolute;
  inset:0;
  opacity:0.06;
  pointer-events:none;
}

.financial-planning-priorities .financial-planning-section-head{
  position:relative;
  margin:0 auto clamp(20px,2.5vw,24px);
  text-align:center;
  max-width:640px;
}

.financial-planning-priorities .financial-planning-eyebrow{
  justify-content:center;
}

.financial-planning-priorities-rail{
  position:relative;
  display:flex;
  flex-wrap:wrap;
  justify-content:center;
  align-items:center;
  gap:6px;
  max-width:900px;
  margin:0 auto clamp(40px,5vw,48px);
}

.financial-planning-priorities-pill{
  font-size:0.86rem;
  color:var(--on-cream);
  background:#fff;
  border:1px solid rgba(11,31,51,0.14);
  padding:11px 18px;
}

.financial-planning-priorities-pill.is-emphasis{
  background:var(--navy);
  color:var(--on-navy);
  border-color:var(--navy);
}

.financial-planning-priorities-sep{
  display:flex;
  align-items:center;
  color:rgba(11,31,51,0.3);
}

.financial-planning-priorities-sep svg{
  width:14px;
  height:14px;
}

.financial-planning-priorities-statement{
  position:relative;
  background:var(--navy);
  color:var(--on-navy);
  padding:clamp(32px,4vw,42px);
  text-align:center;
  max-width:680px;
  margin:0 auto;
}

.financial-planning-priorities-statement p{
  font-family:'Playfair Display',serif;
  font-style:italic;
  font-size:1.14rem;
  line-height:1.55;
  color:var(--on-navy);
}


/* =========================================================
   06 CORE PLANNING AREAS
   ========================================================= */

.financial-planning-areas{
  padding:clamp(68px,10vw,112px) 0;
}

.financial-planning-areas .financial-planning-section-head{
  margin:0 auto clamp(44px,5.5vw,56px);
  text-align:center;
  max-width:660px;
}

.financial-planning-areas .financial-planning-eyebrow{
  justify-content:center;
}

.financial-planning-areas-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:1px;
  background:rgba(11,31,51,0.1);
  border:1px solid rgba(11,31,51,0.1);
  max-width:1160px;
  margin:0 auto;
}

.financial-planning-area-card{
  background:#fff;
  padding:clamp(24px,2.6vw,28px);
}

.financial-planning-area-icon{
  width:40px;
  height:40px;
  border-radius:50%;
  background:var(--navy);
  color:var(--gold);
  display:flex;
  align-items:center;
  justify-content:center;
  margin-bottom:16px;
}

.financial-planning-area-icon svg{
  width:17px;
  height:17px;
}

.financial-planning-area-card h3{
  font-size:0.94rem;
  margin-bottom:8px;
}

.financial-planning-area-card p{
  font-size:0.82rem;
  line-height:1.6;
  color:var(--on-cream-mute);
}


/* =========================================================
   07 WHEN THE PLAN NEEDS TO CHANGE
   ========================================================= */

.financial-planning-change{
  position:relative;
  overflow:hidden;
  background:var(--neutral);
  padding:clamp(64px,9vw,104px) 0;
}

.financial-planning-change-art{
  position:absolute;
  inset:0;
  opacity:0.06;
  pointer-events:none;
}

.financial-planning-change .financial-planning-section-head{
  position:relative;
  margin:0 auto clamp(44px,5.5vw,56px);
  text-align:center;
  max-width:660px;
}

.financial-planning-change .financial-planning-eyebrow{
  justify-content:center;
}

.financial-planning-change-grid{
  position:relative;
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:1px;
  background:rgba(11,31,51,0.1);
  border:1px solid rgba(11,31,51,0.1);
  max-width:1160px;
  margin:0 auto;
}

.financial-planning-change-card{
  background:#fff;
  padding:clamp(22px,2.4vw,26px);
}

.financial-planning-change-icon{
  width:38px;
  height:38px;
  border-radius:50%;
  border:1px solid var(--gold-dim);
  color:var(--gold-dark);
  display:flex;
  align-items:center;
  justify-content:center;
  margin-bottom:14px;
}

.financial-planning-change-icon svg{
  width:16px;
  height:16px;
}

.financial-planning-change-card h3{
  font-size:0.9rem;
  margin-bottom:7px;
}

.financial-planning-change-card p{
  font-size:0.8rem;
  line-height:1.55;
  color:var(--on-cream-mute);
}


/* =========================================================
   08 FINANCIAL PLANNING FRAMEWORK
   ========================================================= */

.financial-planning-framework{
  position:relative;
  overflow:hidden;
  padding:clamp(64px,9vw,104px) 0;
}

.financial-planning-framework-art{
  position:absolute;
  inset:0;
  opacity:0.06;
  pointer-events:none;
}

.financial-planning-framework .financial-planning-section-head{
  position:relative;
  margin:0 auto clamp(48px,6vw,60px);
  text-align:center;
  max-width:660px;
}

.financial-planning-framework .financial-planning-eyebrow{
  justify-content:center;
}

.financial-planning-steps{
  position:relative;
  display:flex;
  gap:clamp(8px,1.4vw,16px);
  max-width:1180px;
  margin:0 auto;
  flex-wrap:wrap;
}

.financial-planning-step{
  flex:1 1 calc(14.28% - 14px);
  min-width:130px;
  position:relative;
  padding-top:40px;
}

.financial-planning-step::before{
  content:'';
  position:absolute;
  top:13px;
  left:0;
  right:0;
  height:1px;
  background:rgba(11,31,51,0.16);
}

.financial-planning-step:first-child::before{
  left:50%;
}

.financial-planning-step:last-child::before{
  right:50%;
}

.financial-planning-step-marker{
  position:absolute;
  top:0;
  left:50%;
  transform:translateX(-50%);
  width:28px;
  height:28px;
  border-radius:50%;
  background:var(--navy);
  color:var(--gold);
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:0.76rem;
  font-weight:600;
  font-family:'Playfair Display',serif;
}

.financial-planning-step-icon{
  width:40px;
  height:40px;
  border-radius:50%;
  border:1px solid var(--gold-dim);
  color:var(--gold-dark);
  display:flex;
  align-items:center;
  justify-content:center;
  margin:0 auto 12px;
  background:#fff;
}

.financial-planning-step-icon svg{
  width:17px;
  height:17px;
}

.financial-planning-step h3{
  text-align:center;
  font-size:0.9rem;
  margin-bottom:7px;
}

.financial-planning-step p{
  text-align:center;
  font-size:0.78rem;
  line-height:1.5;
  color:var(--on-cream-mute);
}


/* =========================================================
   09 FINANCIAL PLANNING VS OTHER STEWARD SERVICES
   ========================================================= */

.financial-planning-map{
  background:var(--neutral);
  padding:clamp(64px,9vw,104px) 0;
}

.financial-planning-map .financial-planning-section-head{
  margin:0 auto clamp(44px,5.5vw,56px);
  text-align:center;
  max-width:660px;
}

.financial-planning-map .financial-planning-eyebrow{
  justify-content:center;
}

.financial-planning-map-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:14px;
  max-width:1160px;
  margin:0 auto;
}

.financial-planning-map-card{
  background:#fff;
  border:1px solid rgba(11,31,51,0.12);
  padding:clamp(22px,2.4vw,26px);
}

.financial-planning-map-card.is-current{
  border-color:var(--gold-dark);
  background:var(--navy);
}

.financial-planning-map-card h3{
  font-size:0.94rem;
  margin-bottom:8px;
}

.financial-planning-map-card.is-current h3{
  color:var(--gold);
}

.financial-planning-map-card p{
  font-family:'Playfair Display',serif;
  font-style:italic;
  font-size:0.92rem;
  line-height:1.5;
  color:var(--on-cream-mute);
}

.financial-planning-map-card.is-current p{
  color:var(--on-navy-mute);
}


/* =========================================================
   10 WHAT GOOD FINANCIAL PLANNING LOOKS LIKE
   ========================================================= */

.financial-planning-good{
  padding:clamp(64px,9vw,104px) 0;
}

.financial-planning-good-grid{
  display:grid;
  grid-template-columns:0.9fr 1.1fr;
  gap:clamp(40px,5vw,64px);
  align-items:center;
  max-width:1120px;
  margin:0 auto;
}

.financial-planning-good-list{
  list-style:none;
  margin:0;
  padding:0;
}

.financial-planning-good-list li{
  padding:13px 0;
  border-top:1px solid rgba(11,31,51,0.1);
}

.financial-planning-good-list li:first-child{
  border-top:none;
}

.financial-planning-good-list h3{
  font-size:0.94rem;
  margin-bottom:4px;
  color:var(--on-cream);
}

.financial-planning-good-list p{
  font-size:0.86rem;
  line-height:1.5;
  color:var(--on-cream-mute);
}

.financial-planning-good-statement{
  background:var(--navy);
  color:var(--on-navy);
  padding:clamp(36px,4.5vw,48px);
  text-align:center;
  position:relative;
}

.financial-planning-good-statement::before{
  content:'"';
  position:absolute;
  top:8px;
  left:20px;
  font-family:'Playfair Display',serif;
  font-size:3.4rem;
  color:var(--gold-dim);
  line-height:1;
}

.financial-planning-good-statement p{
  position:relative;
  font-family:'Playfair Display',serif;
  font-style:italic;
  font-size:1.16rem;
  line-height:1.55;
  color:var(--on-navy);
}


/* =========================================================
   11 OUR ADVISORY APPROACH
   ========================================================= */

.financial-planning-approach{
  background:var(--neutral);
  padding:clamp(64px,9vw,104px) 0;
}

.financial-planning-approach .financial-planning-section-head{
  margin:0 auto clamp(44px,5.5vw,56px);
  text-align:center;
  max-width:660px;
}

.financial-planning-approach .financial-planning-eyebrow{
  justify-content:center;
}

.financial-planning-approach-rail{
  display:flex;
  flex-wrap:wrap;
  justify-content:center;
  gap:8px 4px;
  max-width:1040px;
  margin:0 auto;
}

.financial-planning-approach-pill{
  display:flex;
  align-items:center;
  gap:8px;
  padding:12px 18px;
  border:1px solid rgba(11,31,51,0.14);
  background:#fff;
  font-size:0.86rem;
  color:var(--on-cream);
}

.financial-planning-approach-pill svg{
  width:15px;
  height:15px;
  color:var(--gold-dark);
  flex:none;
}

.financial-planning-approach-pill.is-emphasis{
  background:var(--navy);
  color:var(--on-navy);
  border-color:var(--navy);
}

.financial-planning-approach-pill.is-emphasis svg{
  color:var(--gold);
}

.financial-planning-approach-sep{
  display:flex;
  align-items:center;
  color:rgba(11,31,51,0.3);
}

.financial-planning-approach-sep svg{
  width:14px;
  height:14px;
}

.financial-planning-approach-note{
  text-align:center;
  font-size:0.86rem;
  color:var(--on-cream-mute);
  max-width:58ch;
  margin:clamp(28px,3.5vw,34px) auto 0;
}


/* =========================================================
   12 FINANCIAL PLANNING FORM
   ========================================================= */

.financial-planning-form-section{
  padding:clamp(64px,9vw,104px) 0;
}

.financial-planning-form-section .financial-planning-wrap{
  max-width:780px;
}

.financial-planning-form-card{
  background:#fff;
  border:1px dashed rgba(11,31,51,0.25);
  padding:clamp(36px,5vw,56px);
  text-align:center;
}

.financial-planning-form-card h2{
  font-size:clamp(1.4rem,2.6vw,1.8rem);
  margin-bottom:14px;
}

.financial-planning-form-card p{
  font-size:0.98rem;
  line-height:1.7;
  color:var(--on-cream-mute);
  max-width:56ch;
  margin:0 auto 20px;
}

.financial-planning-form-safety{
  display:inline-flex;
  align-items:center;
  gap:8px;
  font-size:0.78rem;
  color:var(--good);
  margin-bottom:24px;
}

.financial-planning-form-safety svg{
  width:15px;
  height:15px;
  flex:none;
}

.financial-planning-form-group{
  margin-bottom:22px;
}

.financial-planning-form-group-label{
  display:block;
  font-size:0.7rem;
  letter-spacing:0.1em;
  text-transform:uppercase;
  color:var(--gold-dark);
  margin-bottom:10px;
}

.financial-planning-form-fields{
  display:flex;
  flex-wrap:wrap;
  gap:8px;
  justify-content:center;
  max-width:64ch;
  margin:0 auto;
}

.financial-planning-form-fields span{
  font-size:0.78rem;
  color:var(--on-cream-mute);
  border:1px solid rgba(11,31,51,0.15);
  padding:7px 12px;
}

.financial-planning-form-status{
  display:inline-flex;
  align-items:center;
  gap:8px;
  font-size:0.74rem;
  letter-spacing:0.08em;
  text-transform:uppercase;
  color:var(--gold-dark);
  background:rgba(201,162,77,0.08);
  border:1px solid rgba(201,162,77,0.3);
  padding:8px 14px;
  margin-bottom:28px;
}

.financial-planning-form-status::before{
  content:'●';
  font-size:0.6rem;
}

.financial-planning-form-actions{
  display:flex;
  gap:20px;
  justify-content:center;
  flex-wrap:wrap;
  margin-top:32px;
}


/* =========================================================
   13 FAQ
   ========================================================= */

.financial-planning-faq{
  background:var(--neutral);
  padding:clamp(64px,9vw,104px) 0;
}

.financial-planning-faq .financial-planning-wrap{
  max-width:var(--read);
}

.financial-planning-faq .financial-planning-section-head{
  margin-bottom:clamp(36px,5vw,48px);
}

.financial-planning-faq-list{
  border-top:1px solid rgba(11,31,51,0.12);
}

.financial-planning-faq-item{
  border-bottom:1px solid rgba(11,31,51,0.12);
}

.financial-planning-faq-item summary{
  list-style:none;
  cursor:pointer;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:20px;
  padding:20px 2px;
  font-size:0.98rem;
  font-weight:500;
  color:var(--on-cream);
}

.financial-planning-faq-item summary::-webkit-details-marker{
  display:none;
}

.financial-planning-faq-item[open] .financial-planning-chevron{
  transform:rotate(180deg);
}

.financial-planning-chevron{
  transition:transform .25s ease;
  color:var(--gold-dark);
  flex:none;
}

.financial-planning-faq-item p{
  font-size:0.94rem;
  line-height:1.72;
  color:var(--on-cream-mute);
  max-width:66ch;
  padding:0 2px 20px;
}


/* =========================================================
   14 RELATED RESEARCH
   ========================================================= */

.financial-planning-research{
  padding:clamp(64px,9vw,104px) 0;
}

.financial-planning-research .financial-planning-section-head{
  margin:0 0 clamp(12px,1.6vw,16px);
}

.financial-planning-research-note{
  font-size:0.86rem;
  color:var(--on-cream-mute);
  margin-bottom:clamp(36px,4.5vw,48px);
  max-width:62ch;
}

.financial-planning-research-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:1px;
  background:rgba(11,31,51,0.1);
  border:1px solid rgba(11,31,51,0.1);
}

.financial-planning-research-card{
  background:#fbfaf8;
  padding:clamp(22px,2.6vw,26px);
  display:flex;
  flex-direction:column;
}

.financial-planning-research-card .financial-planning-tag{
  font-size:0.68rem;
  letter-spacing:0.1em;
  text-transform:uppercase;
  color:var(--gold-dark);
  margin-bottom:12px;
}

.financial-planning-research-card h3{
  font-size:0.94rem;
  line-height:1.4;
  margin-bottom:10px;
  color:var(--on-cream-mute);
}

.financial-planning-research-card p{
  font-size:0.82rem;
  line-height:1.6;
  color:var(--on-cream-mute);
  flex:1;
  margin-bottom:14px;
}

.financial-planning-soon{
  font-size:0.72rem;
  font-weight:600;
  letter-spacing:0.05em;
  text-transform:uppercase;
  color:var(--on-cream-mute);
  display:inline-flex;
  align-items:center;
  gap:6px;
  width:fit-content;
}

.financial-planning-soon::before{
  content:'';
  width:6px;
  height:6px;
  border-radius:50%;
  background:var(--on-cream-mute);
}


/* =========================================================
   15 FINAL CTA
   ========================================================= */

.financial-planning-cta{
  position:relative;
  overflow:hidden;
  background:var(--navy);
  color:var(--on-navy);
  padding:clamp(72px,10vw,120px) 0;
  text-align:center;
}

.financial-planning-cta-art{
  position:absolute;
  inset:0;
  opacity:0.07;
  pointer-events:none;
}

.financial-planning-cta .financial-planning-wrap{
  position:relative;
  max-width:640px;
}

.financial-planning-cta-rule{
  width:44px;
  height:2px;
  background:var(--gold);
  margin:0 auto 32px;
}

.financial-planning-cta h2{
  font-size:clamp(1.6rem,3.2vw,2.15rem);
  margin-bottom:18px;
  line-height:1.3;
  color:var(--on-navy);
}

.financial-planning-cta p{
  font-size:1.02rem;
  line-height:1.75;
  color:var(--on-navy-mute);
  margin-bottom:36px;
}

.financial-planning-cta-actions{
  display:flex;
  gap:22px;
  justify-content:center;
  flex-wrap:wrap;
}


/* =========================================================
   WHATSAPP
   ========================================================= */

.financial-planning-wa-icon{
  width:16px;
  height:16px;
}


/* =========================================================
   MOBILE STICKY CONVERSION BAR
   ========================================================= */

.financial-planning-sticky-cta{
  display:none;
}


/* =========================================================
   TABLET
   ========================================================= */

@media (max-width:980px){

  .nav-links{
    display:none;
  }

  .nav-burger{
    display:flex;
  }

  .financial-planning-why-grid{
    grid-template-columns:1fr;
  }

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

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

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

  .financial-planning-map-grid{
    grid-template-columns:1fr;
  }

  .financial-planning-good-grid{
    grid-template-columns:1fr;
  }

  .financial-planning-steps{
    flex-wrap:wrap;
  }

  .financial-planning-step{
    flex:1 1 calc(33.33% - 12px);
    margin-bottom:26px;
  }

  .financial-planning-timeline-flow{
    flex-direction:column;
  }

  .financial-planning-timeline-arrow{
    width:100%;
    height:28px;
    transform:rotate(90deg);
  }

  .financial-planning-sticky-cta{
    display:flex;
    position:fixed;
    left:0;
    right:0;
    bottom:0;
    z-index:70;
    background:rgba(7,21,35,0.97);
    backdrop-filter:blur(8px);
    border-top:1px solid rgba(201,162,77,0.22);
  }

  .financial-planning-sticky-cta a{
    flex:1;
    text-align:center;
    padding:14px 10px;
    font-size:0.82rem;
    color:var(--on-navy);
    min-height:48px;
    display:flex;
    align-items:center;
    justify-content:center;
  }

  .financial-planning-sticky-cta a:first-child{
    border-right:1px solid rgba(201,162,77,0.18);
    color:var(--gold);
    font-weight:500;
  }

  .financial-planning-root{
    padding-bottom:56px;
  }
}


/* =========================================================
   MOBILE
   ========================================================= */

@media (max-width:640px){

  .financial-planning-areas-grid,
  .financial-planning-change-grid,
  .financial-planning-research-grid{
    grid-template-columns:1fr;
  }

  .financial-planning-step{
    flex:1 1 100%;
  }

  .financial-planning-picture-grid{
    flex-direction:column;
  }

  .financial-planning-hero-actions,
  .financial-planning-cta-actions,
  .financial-planning-form-actions{
    flex-direction:column;
    align-items:flex-start;
  }

  .financial-planning-cta-actions,
  .financial-planning-form-actions{
    align-items:center;
  }
}