/* ==============================
   SHAWN ALLEN WEARS, CFP®
   Lincoln Investment Branded
   ============================== */

/* ---------- RESET & BASE ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; scroll-padding-top: 80px; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  color: #1e2d3d;
  line-height: 1.6;
  background: #fff;
  -webkit-font-smoothing: antialiased;
  -webkit-text-size-adjust: 100%;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

/* ---------- DESIGN TOKENS (Lincoln Investment Branded) ---------- */
:root {
  --lincoln-blue: #2d7798;
  --lincoln-blue-dark: #1e5a73;
  --lincoln-blue-deeper: #174a5f;
  --lincoln-gold: #f3b318;
  --lincoln-gold-dark: #d49c0e;
  --lincoln-gold-light: #fdf0cc;
  --navy: #0f2a3d;
  --navy-light: #183d56;
  --teal: #2d7798;
  --teal-light: #3a92b8;
  --green: #28a06e;
  --bg-light: #f5f8fa;
  --bg-warm: #faf9f6;
  --bg-blue-tint: #eef5f8;
  --text: #1e2d3d;
  --text-light: #5b7085;
  --border: #dce4ea;
  --radius: 8px;
  --radius-lg: 16px;
  --shadow: 0 2px 8px rgba(0,0,0,0.06);
  --shadow-lg: 0 8px 30px rgba(0,0,0,0.1);
  --shadow-xl: 0 20px 50px rgba(0,0,0,0.12);
  --transition: 0.25s ease;
}

/* ---------- CONTAINER ---------- */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ---------- TYPOGRAPHY ---------- */
.section-label {
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--lincoln-gold-dark);
  margin-bottom: 12px;
}
.section-heading {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  font-weight: 600;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 16px;
}
.section-subheading {
  font-size: 1.1rem;
  color: var(--text-light);
  max-width: 640px;
  margin: 0 auto;
}
.section-header {
  text-align: center;
  margin-bottom: 56px;
}
.text-accent { color: var(--lincoln-gold); }

/* ---------- BUTTONS ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: 'Inter', sans-serif;
  font-size: 0.95rem;
  font-weight: 600;
  padding: 12px 28px;
  border-radius: var(--radius);
  border: 2px solid transparent;
  cursor: pointer;
  transition: all var(--transition);
  white-space: nowrap;
}
.btn--primary {
  background: var(--lincoln-blue);
  color: #fff;
  border-color: var(--lincoln-blue);
}
.btn--primary:hover {
  background: var(--lincoln-blue-dark);
  border-color: var(--lincoln-blue-dark);
  transform: translateY(-1px);
  box-shadow: var(--shadow-lg);
}
.btn--gold {
  background: var(--lincoln-gold);
  color: var(--navy);
  border-color: var(--lincoln-gold);
  font-weight: 700;
}
.btn--gold:hover {
  background: var(--lincoln-gold-dark);
  border-color: var(--lincoln-gold-dark);
  transform: translateY(-1px);
  box-shadow: var(--shadow-lg);
}
.btn--outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn--outline:hover {
  background: var(--navy);
  color: #fff;
}
.btn--outline-teal {
  background: transparent;
  color: var(--lincoln-blue);
  border-color: var(--lincoln-blue);
}
.btn--outline-teal:hover {
  background: var(--lincoln-blue);
  color: #fff;
}
.btn--white {
  background: #fff;
  color: var(--navy);
  border-color: #fff;
}
.btn--white:hover {
  background: var(--bg-light);
  transform: translateY(-1px);
  box-shadow: var(--shadow-lg);
}
.btn--outline-white {
  background: transparent;
  color: #fff;
  border-color: rgba(255,255,255,0.5);
}
.btn--outline-white:hover {
  background: rgba(255,255,255,0.1);
  border-color: #fff;
}
.btn--lg { padding: 16px 36px; font-size: 1.05rem; }
.btn--block { width: 100%; }

/* ---------- UTILITY BAR ---------- */
.utility-bar {
  background: var(--navy);
  color: rgba(255,255,255,0.7);
  font-size: 0.78rem;
  padding: 8px 0;
  border-bottom: 2px solid var(--lincoln-gold);
}
.utility-bar__inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.utility-bar__left {
  display: flex;
  align-items: center;
  gap: 8px;
}
.utility-bar__left svg { color: var(--lincoln-gold); }
.utility-bar__right {
  display: flex;
  align-items: center;
  gap: 6px;
}
.utility-bar__right a {
  color: rgba(255,255,255,0.7);
  transition: color var(--transition);
}
.utility-bar__right a:hover { color: var(--lincoln-gold); }
.utility-divider { opacity: 0.3; }

/* ---------- HEADER ---------- */
.header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  transition: box-shadow var(--transition);
}
.header--scrolled { box-shadow: var(--shadow); }
.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  gap: 24px;
}
.header__logo {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}
.logo-svg { height: 50px; width: auto; }
.logo-text { display: flex; flex-direction: column; }
.logo-name { font-weight: 600; font-size: 1rem; color: var(--navy); }
.logo-title { font-size: 0.72rem; color: var(--text-light); letter-spacing: 0.02em; }
.lincoln-affil {
  font-size: 0.65rem;
  color: var(--lincoln-blue);
  font-weight: 500;
  letter-spacing: 0.03em;
}

.header__nav {
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-link {
  font-size: 0.88rem;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: 6px;
  transition: all var(--transition);
  color: var(--text);
}
.nav-link:hover { background: var(--bg-blue-tint); color: var(--lincoln-blue); }
.nav-link--active { color: var(--lincoln-blue); background: var(--bg-blue-tint); }
.nav-link--secondary { color: var(--text-light); }

.header__cta { flex-shrink: 0; }

.header__hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}
.header__hamburger span {
  width: 24px; height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: all var(--transition);
}

/* ---------- MOBILE NAV ---------- */
.mobile-nav {
  display: none;
  position: fixed;
  top: 72px;
  left: 0; right: 0;
  bottom: 0;
  background: #fff;
  z-index: 999;
  padding: 32px 24px;
  flex-direction: column;
  gap: 4px;
  overflow-y: auto;
}
.mobile-nav.active { display: flex; }
.mobile-nav__link {
  font-size: 1.1rem;
  font-weight: 500;
  padding: 14px 16px;
  border-radius: var(--radius);
  transition: background var(--transition);
}
.mobile-nav__link:hover { background: var(--bg-light); }
.mobile-nav__cta { margin-top: 16px; }

/* ---------- HERO ---------- */
.hero {
  position: relative;
  padding: 80px 0 100px;
  background: linear-gradient(135deg, var(--bg-blue-tint) 0%, #f0f6f9 50%, var(--bg-warm) 100%);
  overflow: hidden;
}
.hero__bg {
  position: absolute;
  inset: 0;
  opacity: 0.04;
  background-image: radial-gradient(circle at 20% 50%, var(--lincoln-blue) 1px, transparent 1px);
  background-size: 40px 40px;
}
.hero__inner {
  position: relative;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.hero__badge {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--lincoln-blue-dark);
  background: rgba(45,119,152,0.1);
  padding: 6px 16px;
  border-radius: 20px;
  margin-bottom: 20px;
}
.hero__headline {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2.2rem, 4.5vw, 3.4rem);
  font-weight: 700;
  line-height: 1.15;
  color: var(--navy);
  margin-bottom: 20px;
}
.hero__subheadline {
  font-size: 1.15rem;
  color: var(--text-light);
  line-height: 1.7;
  margin-bottom: 32px;
  max-width: 520px;
}
.hero__ctas {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 32px;
}
.hero__trust-line {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  color: var(--text-light);
}
.hero__trust-line svg { color: var(--green); flex-shrink: 0; }

.hero__image { display: flex; justify-content: center; }
.hero__photo-wrap {
  position: relative;
  width: 100%;
  max-width: 300px;
}
.hero__photo {
  width: 100%;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  display: block;
  position: relative;
  z-index: 1;
}
.hero__photo-wrap::before {
  content: '';
  position: absolute;
  top: -12px;
  right: -12px;
  bottom: 12px;
  left: 12px;
  border: 3px solid var(--lincoln-gold);
  border-radius: var(--radius-lg);
  z-index: 0;
}
.hero__photo-wrap::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 6px;
  background: var(--lincoln-gold);
  border-radius: 0 0 var(--radius-lg) var(--radius-lg);
  z-index: 2;
}
.hero__photo-badge {
  position: absolute;
  bottom: 20px;
  left: -16px;
  background: #fff;
  color: var(--navy);
  font-size: 0.78rem;
  font-weight: 700;
  padding: 8px 18px;
  border-radius: 24px;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 6px;
  z-index: 3;
  letter-spacing: 0.02em;
}
.hero__photo-badge svg { color: var(--green); }

.hero__quote {
  margin-top: 20px;
  font-family: 'Playfair Display', serif;
  font-size: 1rem;
  font-style: italic;
  color: var(--text-light);
  line-height: 1.6;
  text-align: center;
  max-width: 320px;
  border: none;
  padding: 0;
}
.hero__quote-author {
  display: block;
  margin-top: 8px;
  font-family: 'Inter', sans-serif;
  font-style: normal;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--lincoln-gold);
  letter-spacing: 0.02em;
}

/* ---------- KEY SELLING POINT ---------- */
.usp {
  padding: 80px 0;
  background: #fff;
}
.usp__inner {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
}
.usp-card {
  text-align: center;
  padding: 40px 28px;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.usp-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--lincoln-gold);
  transform: scaleX(0);
  transition: transform var(--transition);
}
.usp-card:hover::before { transform: scaleX(1); }
.usp-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}
.usp-card__icon {
  width: 64px;
  height: 64px;
  background: var(--bg-blue-tint);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  color: var(--lincoln-blue);
}
.usp-card__title {
  font-family: 'Playfair Display', serif;
  font-size: 1.2rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 10px;
}
.usp-card__desc {
  font-size: 0.92rem;
  color: var(--text-light);
  line-height: 1.65;
}

/* ---------- PROOF BAR ---------- */
.proof-bar {
  background: var(--lincoln-blue);
  padding: 32px 0;
  position: relative;
}
.proof-bar::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--lincoln-gold);
}
.proof-bar__inner {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  text-align: center;
}
.proof-item__number {
  font-family: 'Playfair Display', serif;
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--lincoln-gold);
  margin-bottom: 4px;
}
.proof-item__label {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.7);
  letter-spacing: 0.02em;
}

/* ---------- ABOUT ---------- */
.about {
  padding: 100px 0;
}
.about__inner {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 60px;
  align-items: center;
}
.about__photo-wrap {
  position: relative;
  width: 100%;
}
.about__photo {
  width: 100%;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  display: block;
}
.about__photo-wrap::before {
  content: '';
  position: absolute;
  top: 16px;
  left: -16px;
  width: 100%;
  height: 100%;
  background: var(--lincoln-blue);
  opacity: 0.08;
  border-radius: var(--radius-lg);
  z-index: -1;
}
.about__photo-wrap::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--lincoln-gold);
  border-radius: 0 0 var(--radius-lg) var(--radius-lg);
}
.about__text {
  font-size: 1.05rem;
  color: var(--text-light);
  margin-bottom: 20px;
  line-height: 1.75;
}
.about__role {
  font-size: 1rem;
  font-weight: 500;
  color: var(--lincoln-blue);
  margin-bottom: 20px;
  letter-spacing: 0.02em;
}
.about__credentials {
  display: flex;
  gap: 20px;
  margin-bottom: 28px;
  flex-wrap: wrap;
}
.about__cred-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.88rem;
  color: var(--text);
  background: var(--bg-light);
  padding: 8px 16px;
  border-radius: 24px;
  border: 1px solid var(--border);
}
.about__cred-item svg { color: var(--lincoln-gold); flex-shrink: 0; }
.about__cta-row {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}
.about__phone-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--lincoln-blue);
  transition: color var(--transition);
}
.about__phone-link:hover { color: var(--navy); }
.about__phone-link svg { flex-shrink: 0; }

/* ---------- SERVICES ---------- */
.services {
  padding: 100px 0;
  background: var(--bg-light);
}
.services__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-bottom: 48px;
}

.service-card {
  position: relative;
  background: #fff;
  padding: 36px 28px;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
}
.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}
.service-card--featured {
  border-color: var(--lincoln-blue);
  box-shadow: 0 0 0 1px var(--lincoln-blue);
}
.service-card__badge {
  position: absolute;
  top: -12px;
  left: 24px;
  background: var(--lincoln-gold);
  color: var(--navy);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 4px 14px;
  border-radius: 20px;
}
.service-card__icon {
  color: var(--lincoln-blue);
  margin-bottom: 20px;
}
.service-card__title {
  font-family: 'Playfair Display', serif;
  font-size: 1.25rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 12px;
}
.service-card__desc {
  font-size: 0.92rem;
  color: var(--text-light);
  line-height: 1.65;
  margin-bottom: 20px;
  flex: 1;
}
.service-card__link {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--lincoln-blue);
  transition: color var(--transition);
}
.service-card__link:hover { color: var(--lincoln-blue-dark); }

.services__cta-wrap {
  text-align: center;
}
.services__cta-wrap p {
  font-size: 1.05rem;
  color: var(--text-light);
  margin-bottom: 16px;
}

/* ---------- APPROACH ---------- */
.approach {
  padding: 100px 0;
}
.approach__steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}
.approach-step {
  text-align: center;
  padding: 24px;
  position: relative;
}
.approach-step__number {
  font-family: 'Playfair Display', serif;
  font-size: 2.8rem;
  font-weight: 700;
  color: rgba(45,119,152,0.12);
  margin-bottom: 12px;
}
.approach-step__title {
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 12px;
}
.approach-step__desc {
  font-size: 0.92rem;
  color: var(--text-light);
  line-height: 1.65;
}

/* ---------- WHY ME ---------- */
.why-me {
  padding: 100px 0;
  background: var(--bg-blue-tint);
}
.why-me__inner {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 60px;
  align-items: center;
}
.why-me__content p {
  font-size: 1.05rem;
  color: var(--text-light);
  line-height: 1.75;
  margin-bottom: 28px;
}
.why-me__list {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.why-me__list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.95rem;
  line-height: 1.6;
}
.why-me__list svg { color: var(--green); flex-shrink: 0; margin-top: 3px; }

.trust-badge {
  background: #fff;
  padding: 32px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 16px;
  border-top: 4px solid var(--lincoln-gold);
}
.trust-badge__icon { color: var(--lincoln-blue); }
.trust-badge__text { display: flex; flex-direction: column; gap: 4px; }
.trust-badge__text strong { font-size: 1.1rem; color: var(--navy); }
.trust-badge__text span { font-size: 0.85rem; color: var(--text-light); }
.trust-badge__link {
  font-size: 0.85rem;
  color: var(--lincoln-blue);
  font-weight: 600;
  margin-top: 8px;
  transition: color var(--transition);
}
.trust-badge__link:hover { color: var(--lincoln-blue-dark); }

/* ---------- TESTIMONIALS ---------- */
.testimonials {
  padding: 100px 0;
}
.testimonials__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.testimonial-card {
  background: var(--bg-light);
  padding: 36px 28px;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
}
.testimonial-card__stars {
  color: var(--lincoln-gold);
  font-size: 1.1rem;
  margin-bottom: 16px;
  letter-spacing: 2px;
}
.testimonial-card__quote {
  font-size: 1rem;
  line-height: 1.7;
  color: var(--text);
  margin-bottom: 24px;
  font-style: italic;
}
.testimonial-card__author {
  display: flex;
  align-items: center;
  gap: 12px;
}
.testimonial-card__avatar {
  width: 44px; height: 44px;
  background: var(--lincoln-blue);
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 600;
  font-size: 0.85rem;
}
.testimonial-card__author strong {
  display: block;
  font-size: 0.9rem;
  color: var(--navy);
}
.testimonial-card__author span {
  font-size: 0.8rem;
  color: var(--text-light);
}

/* ---------- CTA BANNER ---------- */
.cta-banner {
  padding: 80px 0;
  background: linear-gradient(135deg, var(--navy) 0%, var(--lincoln-blue-dark) 60%, var(--lincoln-blue) 100%);
  text-align: center;
  position: relative;
}
.cta-banner::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--lincoln-gold);
}
.cta-banner__headline {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  font-weight: 600;
  color: #fff;
  margin-bottom: 16px;
}
.cta-banner__text {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.75);
  max-width: 600px;
  margin: 0 auto 32px;
  line-height: 1.7;
}
.cta-banner__buttons {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

/* ---------- CONTACT (REVAMPED) ---------- */
.contact {
  padding: 100px 0;
  background: var(--bg-light);
}
.contact__inner {
  max-width: 1000px;
  margin: 0 auto;
}
.contact__header {
  text-align: center;
  margin-bottom: 48px;
}
.contact__header p {
  font-size: 1.05rem;
  color: var(--text-light);
  max-width: 520px;
  margin: 0 auto;
  line-height: 1.7;
}

.contact__channels {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin-bottom: 48px;
}
.channel-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  display: flex;
  align-items: flex-start;
  gap: 16px;
  transition: all var(--transition);
  cursor: pointer;
  text-decoration: none;
  color: inherit;
  position: relative;
  overflow: hidden;
}
.channel-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  bottom: 0;
  width: 4px;
  background: var(--lincoln-blue);
  transform: scaleY(0);
  transition: transform var(--transition);
}
.channel-card:hover::before { transform: scaleY(1); }
.channel-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}
.channel-card__icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.channel-card__icon--phone { background: #eaf7f1; color: var(--green); }
.channel-card__icon--email { background: var(--bg-blue-tint); color: var(--lincoln-blue); }
.channel-card__icon--linkedin { background: #e8f0fe; color: #0077b5; }
.channel-card__icon--office { background: #fef3e2; color: var(--lincoln-gold-dark); }
.channel-card__icon--schedule { background: rgba(45,119,152,0.08); color: var(--lincoln-blue); }
.channel-card__icon--text { background: #f0e8f7; color: #7c3aed; }

.channel-card__content { flex: 1; }
.channel-card__title {
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--navy);
  margin-bottom: 4px;
}
.channel-card__desc {
  font-size: 0.82rem;
  color: var(--text-light);
  line-height: 1.5;
  margin-bottom: 6px;
}
.channel-card__auto-tag {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 0.7rem;
  font-weight: 600;
  color: var(--green);
  background: #eaf7f1;
  padding: 3px 10px;
  border-radius: 12px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.contact__office-info {
  background: #fff;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  padding: 32px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  align-items: center;
}
.contact__office-details h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.2rem;
  color: var(--navy);
  margin-bottom: 12px;
}
.contact__office-details p {
  font-size: 0.92rem;
  color: var(--text-light);
  line-height: 1.6;
  margin-bottom: 8px;
}
.contact__office-details a {
  color: var(--lincoln-blue);
  font-weight: 500;
}
.contact__office-details a:hover { color: var(--lincoln-blue-dark); }

.contact__map-placeholder {
  width: 100%;
  height: 220px;
  background: linear-gradient(135deg, var(--bg-blue-tint) 0%, #dbe8ee 100%);
  border-radius: var(--radius);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 8px;
  color: var(--text-light);
  font-size: 0.8rem;
  text-align: center;
}

/* ---------- FOOTER ---------- */
.footer {
  background: var(--navy);
  color: rgba(255,255,255,0.7);
  padding: 64px 0 0;
}
.footer__top {
  display: grid;
  grid-template-columns: 1.2fr 2fr;
  gap: 60px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer__logo {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 16px;
}
.footer__logo .logo-svg { height: 36px; }
.footer__tagline {
  font-size: 0.92rem;
  line-height: 1.6;
}
.footer__links {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.footer__col h4 {
  color: var(--lincoln-gold);
  font-size: 0.85rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 16px;
}
.footer__col a {
  display: block;
  font-size: 0.88rem;
  padding: 4px 0;
  transition: color var(--transition);
}
.footer__col a:hover { color: var(--lincoln-gold); }

.footer__bottom {
  padding: 24px 0;
}
.footer__compliance {
  font-size: 0.78rem;
  line-height: 1.8;
  color: rgba(255,255,255,0.4);
}
.footer__compliance a {
  color: rgba(255,255,255,0.5);
  text-decoration: underline;
}
.footer__compliance a:hover { color: var(--lincoln-gold); }
.footer__brokercheck {
  font-weight: 600;
  color: rgba(255,255,255,0.6) !important;
}
.footer__social {
  display: flex;
  gap: 12px;
  margin-top: 16px;
}
.footer__social a {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(255,255,255,0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.6);
  transition: all var(--transition);
}
.footer__social a:hover {
  background: var(--lincoln-gold);
  color: var(--navy);
}

/* ---------- STICKY MOBILE CTA ---------- */
.sticky-cta {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0; right: 0;
  background: #fff;
  padding: 12px 16px;
  box-shadow: 0 -4px 20px rgba(0,0,0,0.1);
  z-index: 998;
}

/* ---------- CHATBOT ---------- */
.chatbot-toggle {
  position: fixed;
  bottom: 24px;
  right: 24px;
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: var(--lincoln-blue);
  color: #fff;
  border: none;
  cursor: pointer;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 1001;
  transition: all var(--transition);
}
.chatbot-toggle:hover {
  background: var(--lincoln-blue-dark);
  transform: scale(1.05);
  box-shadow: var(--shadow-xl);
}
.chatbot-toggle__badge {
  position: absolute;
  top: -2px;
  right: -2px;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--lincoln-gold);
  color: var(--navy);
  font-size: 0.6rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
}

.chatbot {
  position: fixed;
  bottom: 96px;
  right: 24px;
  width: 380px;
  max-height: 520px;
  background: #fff;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  z-index: 1002;
  display: none;
  flex-direction: column;
  overflow: hidden;
  border: 1px solid var(--border);
}
.chatbot.active { display: flex; }

.chatbot__header {
  background: var(--lincoln-blue);
  color: #fff;
  padding: 16px 20px;
  display: flex;
  align-items: center;
  gap: 12px;
}
.chatbot__header-avatar {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid rgba(255,255,255,0.3);
}
.chatbot__header-info { flex: 1; }
.chatbot__header-name { font-weight: 600; font-size: 0.95rem; }
.chatbot__header-status {
  font-size: 0.72rem;
  opacity: 0.8;
  display: flex;
  align-items: center;
  gap: 4px;
}
.chatbot__header-status::before {
  content: '';
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: #4ade80;
}
.chatbot__close {
  background: none;
  border: none;
  color: #fff;
  cursor: pointer;
  padding: 4px;
  opacity: 0.7;
  transition: opacity var(--transition);
}
.chatbot__close:hover { opacity: 1; }

.chatbot__messages {
  flex: 1;
  padding: 16px;
  overflow-y: auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
  max-height: 340px;
  min-height: 200px;
}
.chat-msg {
  display: flex;
  gap: 8px;
  max-width: 85%;
  animation: chatFadeIn 0.3s ease;
}
@keyframes chatFadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}
.chat-msg--bot { align-self: flex-start; }
.chat-msg--user { align-self: flex-end; flex-direction: row-reverse; }
.chat-msg__avatar {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--lincoln-blue);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.65rem;
  font-weight: 700;
  flex-shrink: 0;
}
.chat-msg--user .chat-msg__avatar {
  background: var(--lincoln-gold);
  color: var(--navy);
}
.chat-msg__bubble {
  padding: 10px 14px;
  border-radius: 14px;
  font-size: 0.88rem;
  line-height: 1.5;
}
.chat-msg--bot .chat-msg__bubble {
  background: var(--bg-light);
  color: var(--text);
  border-bottom-left-radius: 4px;
}
.chat-msg--user .chat-msg__bubble {
  background: var(--lincoln-blue);
  color: #fff;
  border-bottom-right-radius: 4px;
}

.chatbot__quick-actions {
  padding: 0 16px 12px;
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
}
.chatbot__quick-btn {
  font-family: 'Inter', sans-serif;
  font-size: 0.78rem;
  font-weight: 500;
  padding: 6px 14px;
  border-radius: 20px;
  border: 1px solid var(--border);
  background: #fff;
  color: var(--lincoln-blue);
  cursor: pointer;
  transition: all var(--transition);
}
.chatbot__quick-btn:hover {
  background: var(--lincoln-blue);
  color: #fff;
  border-color: var(--lincoln-blue);
}

.chatbot__input {
  display: flex;
  gap: 8px;
  padding: 12px 16px;
  border-top: 1px solid var(--border);
  background: var(--bg-light);
}
.chatbot__input input {
  flex: 1;
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 8px 16px;
  font-family: 'Inter', sans-serif;
  font-size: 0.88rem;
  outline: none;
  transition: border-color var(--transition);
}
.chatbot__input input:focus { border-color: var(--lincoln-blue); }
.chatbot__input button {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--lincoln-blue);
  color: #fff;
  border: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background var(--transition);
}
.chatbot__input button:hover { background: var(--lincoln-blue-dark); }

/* Typing indicator */
.typing-indicator {
  display: flex;
  gap: 4px;
  padding: 8px 0;
}
.typing-indicator span {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--text-light);
  animation: typing 1.4s infinite ease-in-out;
}
.typing-indicator span:nth-child(2) { animation-delay: 0.2s; }
.typing-indicator span:nth-child(3) { animation-delay: 0.4s; }
@keyframes typing {
  0%, 60%, 100% { transform: translateY(0); opacity: 0.4; }
  30% { transform: translateY(-6px); opacity: 1; }
}

/* ---------- PARTNER TRUST STRIP ---------- */
.partner-strip {
  padding: 40px 0;
  background: #fff;
  border-bottom: 1px solid var(--border);
}
.partner-strip__label {
  text-align: center;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--text-light);
  margin-bottom: 20px;
}
.partner-strip__logos {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
  opacity: 0.5;
}
.partner-strip__logo {
  font-family: 'Playfair Display', serif;
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--text-light);
  letter-spacing: 0.05em;
  display: flex;
  align-items: center;
  gap: 8px;
}
.partner-strip__logo svg { opacity: 0.6; }

/* ---------- ANIMATIONS ---------- */
.fade-in {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}

/* Hero photo entrance */
@keyframes heroPhotoIn {
  from { opacity: 0; transform: translateY(30px) scale(0.95); }
  to { opacity: 1; transform: translateY(0) scale(1); }
}
.hero__photo-wrap {
  animation: heroPhotoIn 0.8s ease 0.2s both;
}

/* Proof bar counter pop */
@keyframes counterPop {
  0% { transform: scale(0.8); opacity: 0; }
  60% { transform: scale(1.05); }
  100% { transform: scale(1); opacity: 1; }
}
.proof-item {
  animation: counterPop 0.5s ease both;
}
.proof-item:nth-child(2) { animation-delay: 0.1s; }
.proof-item:nth-child(3) { animation-delay: 0.2s; }
.proof-item:nth-child(4) { animation-delay: 0.3s; }

/* ==============================
   RESPONSIVE
   ============================== */

@media (max-width: 1024px) {
  .services__grid { grid-template-columns: repeat(2, 1fr); }
  .approach__steps { grid-template-columns: repeat(2, 1fr); }
  .testimonials__grid { grid-template-columns: repeat(2, 1fr); }
  .testimonials__grid .testimonial-card:last-child { grid-column: 1 / -1; max-width: 500px; margin: 0 auto; }
  .usp__inner { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 768px) {
  .utility-bar__left { display: none; }
  .utility-bar__right { width: 100%; justify-content: center; font-size: 0.78rem; }

  .header__nav { display: none; }
  .header__cta { display: none; }
  .header__hamburger { display: flex; }

  .hero__inner { grid-template-columns: 1fr; gap: 28px; text-align: center; }
  .hero__subheadline { margin: 0 auto 24px; font-size: 1rem; }
  .hero__ctas { justify-content: center; }
  .hero__trust-line { justify-content: center; font-size: 0.85rem; }
  .hero__image { order: -1; }
  .hero__photo-wrap { max-width: 200px; margin: 0 auto; }
  .hero__photo-wrap::before { top: -6px; right: -6px; bottom: 6px; left: 6px; }
  .hero__photo-badge { left: 50%; transform: translateX(-50%); bottom: 10px; font-size: 0.72rem; padding: 6px 14px; }
  .hero__quote { max-width: 280px; margin: 16px auto 0; font-size: 0.9rem; }
  .hero { padding: 36px 0 50px; }

  .usp__inner { grid-template-columns: 1fr; max-width: 420px; margin: 0 auto; }

  .partner-strip__logos { gap: 24px; }
  .partner-strip__logo { font-size: 0.85rem; }
  .partner-strip { padding: 28px 0; }

  .proof-bar__inner { grid-template-columns: repeat(2, 1fr); gap: 20px; }
  .proof-item__number { font-size: 1.6rem; }

  .about__inner { grid-template-columns: 1fr; gap: 32px; text-align: center; }
  .about__photo-wrap { max-width: 240px; margin: 0 auto; }
  .about__text { font-size: 0.95rem; }
  .about__credentials { justify-content: center; }
  .about__cred-item { font-size: 0.8rem; padding: 6px 12px; }
  .about__cta-row { justify-content: center; }
  .about__role { font-size: 0.9rem; }

  .section-header { margin-bottom: 36px; }
  .section-heading { margin-bottom: 12px; }

  .services__grid { grid-template-columns: 1fr; max-width: 420px; margin: 0 auto 48px; }

  .approach__steps { grid-template-columns: 1fr; max-width: 420px; margin: 0 auto; }

  .why-me__inner { grid-template-columns: 1fr; gap: 32px; }

  .testimonials__grid { grid-template-columns: 1fr; }
  .testimonials__grid .testimonial-card:last-child { max-width: none; }

  .contact__channels { grid-template-columns: 1fr; max-width: 420px; margin: 0 auto; }
  .contact__office-info { grid-template-columns: 1fr; }
  .channel-card { padding: 18px 20px; }

  .footer__top { grid-template-columns: 1fr; gap: 32px; text-align: center; }
  .footer__links { grid-template-columns: repeat(2, 1fr); text-align: left; }
  .footer__compliance { font-size: 0.72rem; }

  .sticky-cta { display: block; }
  body { padding-bottom: 72px; }

  .chatbot { width: calc(100vw - 24px); right: 12px; bottom: 84px; max-height: 70vh; }
  .chatbot-toggle { bottom: 80px; right: 16px; }
}

@media (max-width: 480px) {
  .hero__headline { font-size: 1.7rem; }
  .hero__subheadline { font-size: 0.92rem; }
  .hero__ctas { flex-direction: column; align-items: stretch; gap: 10px; }
  .hero__ctas .btn { width: 100%; text-align: center; }
  .btn--lg { padding: 14px 24px; font-size: 0.95rem; }

  .partner-strip__logos { gap: 16px; }
  .partner-strip__logo { font-size: 0.75rem; gap: 4px; }
  .partner-strip__logo svg { width: 16px; height: 16px; }

  .proof-bar__inner { gap: 16px; padding: 0 8px; }
  .proof-item__number { font-size: 1.4rem; }
  .proof-item__label { font-size: 0.72rem; }

  .about__credentials { gap: 10px; }
  .about__cred-item { font-size: 0.75rem; padding: 5px 10px; }

  .footer__links { grid-template-columns: 1fr; }
  .cta-banner__buttons { flex-direction: column; align-items: stretch; }
  .cta-banner__buttons .btn { width: 100%; text-align: center; }

  .chatbot { width: calc(100vw - 16px); right: 8px; bottom: 80px; }
}

@media (max-width: 360px) {
  .hero__headline { font-size: 1.5rem; }
  .hero__photo-wrap { max-width: 160px; }
  .hero__quote { font-size: 0.82rem; max-width: 240px; }
  .partner-strip__logos { flex-direction: column; gap: 12px; }
  .proof-bar__inner { grid-template-columns: 1fr 1fr; gap: 12px; }
  .about__credentials { flex-direction: column; align-items: center; }
}