:root{
  --bg: #05070c;
  --panel: #0b1220;
  --panel2:#0e1730;
  --text:#f4f7ff;
  --muted: rgba(244,247,255,.72);
  --line: rgba(255,255,255,.10);

  /* Brand blues (tuned for your logo) */
  --blue: #1f7bd6;
  --blue2:#0b5fb5;
  --glow: 0 0 0 6px rgba(31,123,214,.14);

  --radius: 18px;
  --radius2: 24px;
  --shadow: 0 24px 80px rgba(0,0,0,.55);

  --container: 1120px;
  --font: Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
}

*{ box-sizing:border-box; }
html,body{ height:100%; }
body{
  margin:0;
  font-family: var(--font);
  background:
    radial-gradient(900px 600px at 15% -10%, rgba(31,123,214,.25), transparent 60%),
    radial-gradient(800px 600px at 90% 10%, rgba(11,95,181,.18), transparent 55%),
    linear-gradient(180deg, #04060b, #05070c 35%, #05070c);
  color: var(--text);
}

a{ color: inherit; text-decoration:none; }
.container{ width:min(var(--container), calc(100% - 40px)); margin:0 auto; }

/* Topbar */
.topbar{
  background: rgba(255,255,255,.04);
  border-bottom: 1px solid var(--line);
}
.topbar__inner{
  display:flex; justify-content:space-between; align-items:center;
  padding:10px 0;
  gap:12px;
}
.topbar__left{ display:flex; align-items:center; gap:10px; color: var(--muted); font-size: 13px; }
.dot{ width:8px; height:8px; border-radius:99px; background: var(--blue); box-shadow: 0 0 0 6px rgba(31,123,214,.15); }
.topbar__right{ display:flex; align-items:center; gap:10px; font-size: 13px; }
.topbar__link{ color: var(--text); opacity:.9; }
.topbar__link:hover{ opacity:1; }
.sep{ color: var(--muted); opacity:.7; }

/* Header */
.header{
  position: sticky; top:0; z-index:50;
  backdrop-filter: blur(10px);
  background: rgba(5,7,12,.55);
  border-bottom: 1px solid rgba(255,255,255,.06);
}
.header__inner{
  display:flex; align-items:center; justify-content:space-between;
  padding:14px 0;
  gap:16px;
}

.brand{ display:flex; align-items:center; gap:12px; }
.brand__logo{
  height:44px; width:auto;
  border-radius: 10px;
  background: rgba(255,255,255,.92);
  padding:6px;
}

.nav{ display:flex; align-items:center; gap:18px; }
.nav a{
  font-size: 14px;
  color: var(--muted);
}
.nav a:hover{ color: var(--text); }

.menuBtn{
  display:none;
  background: transparent;
  border: 1px solid rgba(255,255,255,.14);
  border-radius: 14px;
  padding:10px;
  cursor:pointer;
}
.menuBtn span{
  display:block; width:20px; height:2px; background: var(--text);
  margin:4px 0; border-radius: 99px;
}

/* Buttons */
.btn{
  display:inline-flex; align-items:center; justify-content:center;
  gap:10px;
  padding: 12px 16px;
  border-radius: 999px;
  border: 1px solid rgba(255,255,255,.14);
  font-weight: 600;
  letter-spacing: .2px;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease, border-color .15s ease;
}
.btn:hover{ transform: translateY(-1px); }
.btn--primary{
  background: linear-gradient(135deg, var(--blue), var(--blue2));
  border-color: rgba(255,255,255,.08);
  box-shadow: 0 18px 40px rgba(31,123,214,.22);
}
.btn--primary:hover{ box-shadow: 0 18px 50px rgba(31,123,214,.30); }
.btn--soft{
  background: rgba(255,255,255,.06);
}
.btn--ghost{
  background: transparent;
}
.btn--full{ width:100%; }

/* Hero */
.hero{
  padding: 64px 0 22px;
}
.hero__grid{
  display:grid;
  grid-template-columns: 1.2fr .9fr;
  gap: 28px;
  align-items: start;
}
.kicker{
  display:inline-flex;
  padding: 8px 12px;
  border-radius: 999px;
  background: rgba(31,123,214,.12);
  border: 1px solid rgba(31,123,214,.22);
  color: rgba(244,247,255,.92);
  font-size: 13px;
  margin: 0 0 14px;
}
.hero h1{
  margin:0 0 12px;
  font-size: clamp(34px, 4vw, 52px);
  line-height: 1.02;
  letter-spacing: -.8px;
}
.subhead{
  margin: 0 0 18px;
  color: var(--muted);
  font-size: 16px;
  line-height: 1.6;
  max-width: 52ch;
}
.hero__cta{ display:flex; gap:12px; flex-wrap:wrap; margin: 10px 0 18px; }

.hero__trust{
  display:grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-top: 14px;
}
.trustCard{
  border-radius: var(--radius);
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.10);
  padding: 14px 14px;
}
.trustCard__title{ font-weight: 700; font-size: 14px; margin-bottom: 4px; }
.trustCard__text{ color: var(--muted); font-size: 13px; }

.fineprint{ color: rgba(244,247,255,.55); font-size: 12px; line-height:1.5; margin-top: 14px; max-width: 70ch; }

/* Hero right panel */
.hero__panel{ display:flex; flex-direction:column; gap: 12px; }
.glassCard{
  border-radius: var(--radius2);
  background: linear-gradient(180deg, rgba(255,255,255,.07), rgba(255,255,255,.03));
  border: 1px solid rgba(255,255,255,.12);
  box-shadow: var(--shadow);
  overflow:hidden;
}
.glassCard__header{
  display:flex; justify-content:space-between; align-items:flex-start;
  gap:12px;
  padding: 18px 18px 10px;
}
.glassCard__header h3{ margin:0; font-size: 16px; }
.glassCard__header p{ margin:6px 0 0; color: var(--muted); font-size: 13px; }
.badge{
  padding: 8px 10px;
  border-radius: 999px;
  background: rgba(31,123,214,.14);
  border: 1px solid rgba(31,123,214,.25);
  font-weight: 700;
  font-size: 12px;
}

.form{ padding: 0 18px 18px; display:grid; gap: 12px; }
label{ display:grid; gap: 7px; font-size: 13px; color: rgba(244,247,255,.82); }
input, select, textarea{
  width:100%;
  padding: 12px 12px;
  border-radius: 14px;
  border: 1px solid rgba(255,255,255,.12);
  background: rgba(5,7,12,.55);
  color: var(--text);
  outline: none;
}
input:focus, select:focus, textarea:focus{ border-color: rgba(31,123,214,.55); box-shadow: var(--glow); }
textarea{ resize: vertical; }

.formNote{ margin:0; color: rgba(244,247,255,.55); font-size: 12px; line-height: 1.4; }
.status{ font-size: 13px; color: var(--muted); min-height: 18px; }

.miniRow{ display:grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
.miniStat{
  border-radius: var(--radius);
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.10);
  padding: 12px;
}
.miniStat__num{ font-weight: 800; letter-spacing: .3px; }
.miniStat__label{ color: var(--muted); font-size: 12px; margin-top: 6px; }

/* Sections */
.section{ padding: 64px 0; }
.section--alt{
  background: linear-gradient(180deg, rgba(255,255,255,.03), rgba(255,255,255,.02));
  border-top: 1px solid rgba(255,255,255,.06);
  border-bottom: 1px solid rgba(255,255,255,.06);
}
.section__head{ margin-bottom: 22px; }
.section__head h2{
  margin:0 0 8px;
  font-size: 30px;
  letter-spacing: -.4px;
}
.section__head p{ margin:0; color: var(--muted); max-width: 65ch; line-height: 1.6; }

.cards{
  display:grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
}
.card{
  border-radius: var(--radius);
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.10);
  padding: 18px;
}
.card h3{ margin:0 0 8px; font-size: 16px; }
.card p{ margin:0; color: var(--muted); line-height: 1.6; font-size: 14px; }

.callout{
  margin-top: 18px;
  border-radius: var(--radius2);
  background: linear-gradient(135deg, rgba(31,123,214,.18), rgba(255,255,255,.04));
  border: 1px solid rgba(255,255,255,.12);
  padding: 18px;
  display:flex; align-items:center; justify-content:space-between;
  gap: 14px;
}
.callout h3{ margin:0 0 6px; font-size: 16px; }
.callout p{ margin:0; color: var(--muted); }

.grid2{
  display:grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
}
.feature{
  border-radius: var(--radius);
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.10);
  padding: 18px;
}
.feature h3{ margin:0 0 8px; font-size: 16px; }
.feature p{ margin:0; color: var(--muted); line-height: 1.6; font-size: 14px; }

.disclaimer{
  margin-top: 16px;
  padding: 14px 16px;
  border-radius: var(--radius);
  background: rgba(255,255,255,.035);
  border: 1px solid rgba(255,255,255,.08);
  color: rgba(244,247,255,.72);
  font-size: 13px;
  line-height: 1.6;
}



/* ===== Leadership headshots (wrapper + image) ===== */
.team .avatar{
  width: 92px;
  height: 92px;
  border-radius: 999px;
  overflow: hidden;
  flex: 0 0 auto;

  border: 3px solid rgba(56,189,248,.85);
  box-shadow:
    0 0 0 8px rgba(31,123,214,.14),
    0 18px 45px rgba(0,0,0,.55);

  background: rgba(255,255,255,.06);
}

.team .avatar__img{
  width: 100%;
  height: 100%;
  display: block;
  object-fit: cover;
  object-position: 50% 35%;
}


.person{
  border-radius: var(--radius2);
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.10);
  padding: 22px;

  display:flex;
  flex-direction: column;      /* photo on top */
  align-items: flex-start;
  gap: 14px;
}
.person{ overflow: hidden; }

.person h3{
  margin: 0;
  font-size: 22px;
  letter-spacing: -0.2px;
}

.role{
  margin: 8px 0 12px;
  letter-spacing: .22em;
  text-transform: uppercase;
  font-size: 12px;
  color: rgba(244,247,255,.65);
}







.role{ margin: 4px 0 10px; color: rgba(244,247,255,.72); font-size: 13px; }
.person p{ margin:0; color: var(--muted); line-height: 1.6; font-size: 14px; }

/* FAQ */
.faq details{
  border-radius: var(--radius);
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.10);
  padding: 14px 16px;
  margin-bottom: 10px;
}
.faq summary{ cursor:pointer; font-weight: 700; }
.faq p{ margin: 10px 0 0; color: var(--muted); line-height: 1.6; }

/* Contact */
.contactGrid{
  display:grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 14px;
  align-items:start;
}
.contactCard{
  border-radius: var(--radius2);
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.10);
  padding: 18px;
}
.big{ font-size: 22px; font-weight: 800; margin: 10px 0 14px; letter-spacing: -.4px; }
.muted{ color: var(--muted); }

/* Footer */
.footer{
  margin-top: 34px;
  padding-top: 22px;
  border-top: 1px solid rgba(255,255,255,.08);
  display:grid;
  grid-template-columns: 1.2fr .8fr 1fr;
  gap: 16px;
}
.footer__brand{ display:flex; gap: 12px; align-items:center; }
.footer__brand img{
  height: 44px; width:auto;
  border-radius: 10px;
  background: rgba(255,255,255,.92);
  padding: 6px;
}
.footer__links{ display:grid; gap: 8px; }
.footer__links a{ color: var(--muted); font-size: 14px; }
.footer__links a:hover{ color: var(--text); }
.footer__legal p{ margin: 0 0 10px; }
.footer__legal .muted{ font-size: 12px; line-height: 1.5; }
/* ===============================
   Luxury-style NAV pill buttons
   =============================== */
/* Temporarily hide Chad's bio card */
.hide-chad {
  display: none !important;
}


.navBtn{
  position: relative;
  padding: 10px 18px;
  border-radius: 999px;
  font-size: 14px;
  font-weight: 600;
  letter-spacing: .2px;
  white-space: nowrap;

  color: #eaf2ff;
  background: rgba(7,14,32,.55);
  border: 1px solid transparent;

  /* gradient outline */
  background-image:
    linear-gradient(rgba(7,14,32,.85), rgba(7,14,32,.85)),
    linear-gradient(135deg, #1f7bd6, #38bdf8, #0b5fb5);
  background-origin: border-box;
  background-clip: padding-box, border-box;

  box-shadow:
    inset 0 0 0 1px rgba(255,255,255,.06),
    0 10px 28px rgba(31,123,214,.35);

  transition: all .25s ease;
}

.navBtn:hover{
  transform: translateY(-1px);
  box-shadow:
    inset 0 0 0 1px rgba(255,255,255,.10),
    0 16px 40px rgba(31,123,214,.55);
}

.navBtn.active{
  background-image:
    linear-gradient(rgba(7,14,32,.92), rgba(7,14,32,.92)),
    linear-gradient(135deg, #38bdf8, #1f7bd6, #0b5fb5);

  box-shadow:
    inset 0 0 0 1px rgba(255,255,255,.14),
    0 18px 45px rgba(31,123,214,.65);
}

/* Header shadow on scroll */
.header.scrolled{
  box-shadow: 0 14px 40px rgba(0,0,0,.65);
  background: rgba(5,7,12,.85);
}

/* Luxury-style page header spacing */
.section__head h2{
  font-size: 36px;
  letter-spacing: -.6px;
}
.section__head p{
  margin:0;
  color: var(--muted);
  line-height: 1.6;
  font-size: 16px;
  max-width: 70ch;
}


/* Luxury-style calculator shell */
.calculatorShell{
  margin-top: 24px;
  border-radius: 28px;
  background: linear-gradient(180deg, rgba(255,255,255,.06), rgba(255,255,255,.02));
  border: 1px solid rgba(255,255,255,.12);
  box-shadow:
    inset 0 0 0 1px rgba(255,255,255,.05),
    0 28px 80px rgba(0,0,0,.65);
  overflow: hidden;
}

.calcFrame{
  width: 100%;
  height: 78vh;
  min-height: 720px;
  border: 0;
  background: #fff;
}

/* Responsive */
@media (max-width: 980px){
  .hero__grid{ grid-template-columns: 1fr; }
  .cards{ grid-template-columns: 1fr 1fr; }
  .team{ grid-template-columns: 1fr; }
  .contactGrid{ grid-template-columns: 1fr; }
  .footer{ grid-template-columns: 1fr; }
}

@media (max-width: 720px){
  .nav{
    position: fixed;
    top: 64px;
    right: 12px;
    left: 12px;
    display:none;
    flex-direction: column;
    background: rgba(5,7,12,.92);
    border: 1px solid rgba(255,255,255,.12);
    border-radius: 18px;
    padding: 14px;
    gap: 10px;
  }
  .nav.open{ display:flex; }
  .menuBtn{ display:block; }
  .topbar__inner{ flex-direction: column; align-items:flex-start; }
  .hero__trust{ grid-template-columns: 1fr; }
  .miniRow{ grid-template-columns: 1fr; }
  .cards{ grid-template-columns: 1fr; }
  .grid2{ grid-template-columns: 1fr; }
}
/* ===============================
   Leadership section (Luxury style)
   =============================== */

/* Hide Chad temporarily */
.hide-chad{
  display:none !important;
}

/* Centered 2-up layout */
.team{
  display:grid;
  grid-template-columns: repeat(2, minmax(280px, 1fr));
  justify-content:center;
  justify-items:center;
  gap:14px;
  max-width:920px;
  margin:0 auto;
}

.team .person{
  width:100%;
  max-width:440px;
}

/* Mobile */
@media (max-width: 980px){
  .team{
    grid-template-columns:1fr;
    max-width:560px;
  }
}