/* ============================================================
   INVININD WEALTH — shared site stylesheet
   Deep navy + gold, mobile-first, no external dependencies
   ============================================================ */
:root{
  --navy:#16305F;
  --navy2:#23479B;
  --navy-dk:#0C1E42;
  --gold:#C9A227;
  --gold-lt:#E3C566;
  --gold-soft:rgba(201,162,39,.14);
  --ink:#1A2036;
  --muted:#5C6784;
  --line:#E4E8F2;
  --card:#FFFFFF;
  --bg:#F7F9FE;
  --ok:#2E7D32;
  --shadow-card:0 10px 30px -12px rgba(22,48,95,.18);
  --shadow-card-hover:0 18px 40px -14px rgba(22,48,95,.28);
  --radius:16px;
  --font:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,'Helvetica Neue',Arial,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0;}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;}
body{
  font-family:var(--font);
  color:var(--ink);
  background:var(--bg);
  line-height:1.6;
  min-height:100vh;
  display:flex;
  flex-direction:column;
}
img{max-width:100%;height:auto;display:block;}
a{color:var(--navy2);}
main{flex:1;}
.container{width:100%;max-width:1080px;margin:0 auto;padding:0 20px;}

/* ============ STICKY HEADER / NAV ============ */
.site-header{
  position:sticky;top:0;z-index:100;
  background:rgba(22,48,95,.97);
  backdrop-filter:blur(8px);
  border-bottom:1px solid rgba(255,255,255,.08);
  box-shadow:0 2px 14px rgba(4,12,30,.35);
}
.nav-inner{
  max-width:1180px;margin:0 auto;padding:10px 20px;
  display:flex;align-items:center;justify-content:space-between;gap:18px;
}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none;min-width:0;}
.brand img{
  width:50px;height:50px;border-radius:11px;background:#fff;
  padding:3px;box-shadow:0 2px 10px rgba(0,0,0,.28);flex-shrink:0;object-fit:contain;
}
.brand-name{display:block;font-size:16.5px;font-weight:800;color:#fff;letter-spacing:.6px;line-height:1.2;white-space:nowrap;}
.brand-sub{display:block;font-size:10.5px;color:var(--gold-lt);letter-spacing:1.4px;text-transform:uppercase;font-weight:600;margin-top:3px;white-space:nowrap;}
.site-nav{display:flex;align-items:center;gap:2px;}
.site-nav a{
  color:rgba(255,255,255,.82);text-decoration:none;font-size:13.5px;font-weight:600;
  padding:8px 11px;border-radius:8px;transition:background .15s,color .15s;white-space:nowrap;
}
.site-nav a:hover{background:rgba(255,255,255,.1);color:#fff;}
.site-nav a.active{color:var(--gold-lt);}
.site-nav a.nav-cta{
  background:linear-gradient(135deg,var(--gold-lt),var(--gold));
  color:var(--navy);font-weight:800;border-radius:999px;padding:9px 18px;margin-left:6px;
  box-shadow:0 6px 16px -6px rgba(201,162,39,.6);
  transition:transform .15s,box-shadow .15s;
}
.site-nav a.nav-cta:hover{transform:translateY(-1px);box-shadow:0 10px 22px -6px rgba(201,162,39,.7);color:var(--navy);}
.nav-toggle{
  display:none;background:none;border:none;cursor:pointer;padding:8px;
  flex-direction:column;gap:5px;
  min-width:44px;min-height:44px;align-items:center;justify-content:center;flex-shrink:0;
}
.nav-toggle span{display:block;width:24px;height:2.5px;background:#fff;border-radius:2px;transition:transform .25s,opacity .25s;}
.nav-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(7.5px) rotate(45deg);}
.nav-toggle[aria-expanded="true"] span:nth-child(2){opacity:0;}
.nav-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg);}
@media(min-width:1160px) and (max-width:1300px){
  .site-nav a{font-size:12px;padding:8px 6px;}
  .site-nav a.nav-cta{padding:8px 12px;}
}
@media(max-width:1159px){
  .nav-toggle{display:flex;}
  .site-nav{
    position:absolute;top:100%;left:0;right:0;
    flex-direction:column;align-items:stretch;gap:0;
    background:var(--navy-dk);border-bottom:1px solid rgba(255,255,255,.1);
    padding:8px 16px 16px;display:none;
    box-shadow:0 18px 30px rgba(4,12,30,.45);
  }
  .site-nav.open{display:flex;}
  .site-nav a{padding:13px 12px;font-size:15px;border-radius:10px;}
  .site-nav a.nav-cta{margin:10px 0 0;text-align:center;}
}

/* ============ HERO ============ */
.hero{
  background:linear-gradient(160deg,var(--navy) 0%,var(--navy2) 55%,var(--navy-dk) 100%);
  color:#fff;position:relative;overflow:hidden;
  padding:70px 0 78px;
}
.hero::before{
  content:'';position:absolute;inset:0;pointer-events:none;
  background:radial-gradient(ellipse 80% 45% at 50% -5%,rgba(201,162,39,.18),transparent 60%);
}
.hero .container{position:relative;z-index:1;}
.hero-eyebrow{
  display:inline-block;font-size:13.5px;font-weight:700;letter-spacing:2px;text-transform:uppercase;
  color:var(--gold-lt);border:1px solid rgba(201,162,39,.45);border-radius:999px;
  padding:7px 16px;margin-bottom:20px;background:rgba(201,162,39,.1);
}
.hero h1{
  font-size:clamp(27px,5.4vw,48px);font-weight:800;letter-spacing:-.8px;line-height:1.14;
  max-width:760px;margin-bottom:18px;
}
.hero h1 .gold{color:var(--gold-lt);}
.hero-sub{font-size:clamp(16px,2.4vw,19px);color:rgba(255,255,255,.82);max-width:640px;line-height:1.7;margin-bottom:32px;}
.hero-ctas{display:flex;flex-wrap:wrap;gap:14px;}
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  padding:15px 28px;border-radius:12px;text-decoration:none;cursor:pointer;
  font-size:15px;font-weight:800;letter-spacing:.3px;border:none;
  transition:transform .15s,box-shadow .15s,background .15s;
  font-family:var(--font);
  max-width:100%;text-align:center;
}
.btn-primary{
  background:linear-gradient(135deg,var(--gold-lt),var(--gold));color:var(--navy);
  box-shadow:0 10px 24px -8px rgba(201,162,39,.6);
}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 14px 30px -8px rgba(201,162,39,.7);}
.btn-outline{
  background:transparent;color:#fff;border:2px solid rgba(255,255,255,.55);
}
.btn-outline:hover{background:rgba(255,255,255,.1);border-color:#fff;transform:translateY(-2px);}
.btn-navy{
  background:linear-gradient(135deg,var(--navy2),var(--navy));color:#fff;
  box-shadow:0 10px 24px -10px rgba(22,48,95,.55);
}
.btn-navy:hover{transform:translateY(-2px);box-shadow:0 14px 30px -10px rgba(22,48,95,.65);}
.hero-badges{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:38px;font-size:13px;color:rgba(255,255,255,.75);font-weight:600;}
.hero-badges span::before{content:'◆';color:var(--gold);margin-right:7px;font-size:9px;vertical-align:1px;}

/* ============ SECTIONS ============ */
.section{padding:64px 0;}
.section.alt{background:#fff;}
.section-eyebrow{font-size:13.5px;font-weight:800;letter-spacing:2.2px;text-transform:uppercase;color:var(--gold);margin-bottom:10px;}
.section-title{font-size:clamp(24px,3.6vw,34px);font-weight:800;color:var(--navy);letter-spacing:-.5px;line-height:1.2;margin-bottom:12px;}
.section-lead{font-size:17px;color:var(--muted);max-width:640px;line-height:1.75;margin-bottom:36px;}
.center{text-align:center;}
.center .section-lead{margin-left:auto;margin-right:auto;}

/* ============ CARDS / GRIDS ============ */
.grid{display:grid;gap:22px;}
.grid-2,.grid-3,.grid-4{display:grid;gap:22px;}
.grid-2{grid-template-columns:repeat(2,1fr);}
.grid-3{grid-template-columns:repeat(3,1fr);}
.grid-4{grid-template-columns:repeat(4,1fr);}
@media(max-width:1024px){.grid-3,.grid-4{grid-template-columns:repeat(2,1fr);}}
@media(max-width:768px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr;}}
.card{
  background:var(--card);border-radius:var(--radius);padding:28px 26px;
  border:1px solid var(--line);box-shadow:var(--shadow-card);
  transition:transform .22s,box-shadow .22s;
}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-card-hover);}
.card h3{font-size:18px;font-weight:800;color:var(--navy);margin-bottom:9px;letter-spacing:-.2px;}
.card p{font-size:15px;color:var(--muted);line-height:1.7;}
.card .card-icon{
  width:46px;height:46px;border-radius:12px;margin-bottom:16px;
  background:linear-gradient(135deg,var(--gold-soft),rgba(201,162,39,.26));
  display:flex;align-items:center;justify-content:center;font-size:21px;
  border:1px solid rgba(201,162,39,.3);
}
.card-link{display:inline-block;margin-top:14px;font-size:14px;font-weight:800;color:var(--gold);text-decoration:none;}
.card-link:hover{text-decoration:underline;}

/* ============ STEPS STRIP ============ */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;}
.steps-3{grid-template-columns:repeat(3,1fr);}
@media(max-width:1024px){.steps,.steps-3{grid-template-columns:repeat(2,1fr);}}
@media(max-width:768px){.steps,.steps-3{grid-template-columns:1fr;}}
.step{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:26px 22px;position:relative;box-shadow:var(--shadow-card);
}
.step-num{
  width:38px;height:38px;border-radius:50%;display:flex;align-items:center;justify-content:center;
  background:linear-gradient(135deg,var(--gold-lt),var(--gold));color:var(--navy);
  font-weight:800;font-size:16px;margin-bottom:14px;
  box-shadow:0 6px 14px -5px rgba(201,162,39,.55);
}
.step h3{font-size:16px;font-weight:800;color:var(--navy);margin-bottom:7px;}
.step p{font-size:14px;color:var(--muted);line-height:1.65;}

/* ============ TRUST STRIP ============ */
.trust{
  background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;
  border-radius:20px;padding:38px 34px;
  display:grid;grid-template-columns:repeat(4,1fr);gap:26px;
  box-shadow:0 20px 46px -18px rgba(22,48,95,.55);
}
@media(max-width:1024px){.trust{grid-template-columns:repeat(2,1fr);}}
@media(max-width:520px){.trust{grid-template-columns:1fr;padding:30px 24px;}}
.trust-item h4{font-size:15px;font-weight:800;color:var(--gold-lt);margin-bottom:6px;}
.trust-item p{font-size:13.5px;color:rgba(255,255,255,.78);line-height:1.65;}

/* ============ PAGE HERO (inner pages) ============ */
.page-hero{
  background:linear-gradient(160deg,var(--navy) 0%,var(--navy2) 60%,var(--navy-dk) 100%);
  color:#fff;padding:52px 0 56px;position:relative;overflow:hidden;
}
.page-hero::before{
  content:'';position:absolute;inset:0;pointer-events:none;
  background:radial-gradient(ellipse 80% 50% at 50% -5%,rgba(201,162,39,.16),transparent 60%);
}
.page-hero .container{position:relative;z-index:1;}
.page-hero h1{font-size:clamp(26px,4.4vw,38px);font-weight:800;letter-spacing:-.6px;margin-bottom:12px;}
.page-hero p{font-size:16.5px;color:rgba(255,255,255,.8);max-width:640px;line-height:1.7;}

/* ============ TABLES ============ */
.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border-radius:var(--radius);border:1px solid var(--line);box-shadow:var(--shadow-card);background:#fff;}
table{width:100%;border-collapse:collapse;font-size:15px;min-width:560px;}
th{
  background:var(--navy);color:#fff;text-align:left;padding:13px 16px;
  font-size:12px;letter-spacing:.8px;text-transform:uppercase;font-weight:700;
}
td{padding:14px 16px;border-bottom:1px solid var(--line);color:var(--ink);vertical-align:top;line-height:1.6;}
tr:last-child td{border-bottom:none;}
td strong{color:var(--navy);}

/* ============ DISCLAIMER / INFO BANNERS ============ */
.banner-warn{
  background:#FFF8E6;border:1.5px solid rgba(201,162,39,.5);border-radius:14px;
  padding:15px 18px;font-size:14px;color:#6B5A17;line-height:1.7;margin-bottom:28px;
}
.banner-warn strong{color:#8A6D0B;}
.banner-info{
  background:#EEF2FC;border:1.5px solid rgba(35,71,155,.28);border-radius:14px;
  padding:15px 18px;font-size:14px;color:var(--navy2);line-height:1.7;margin:20px 0;
}

/* ============ CALCULATORS ============ */
.calc-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:26px;}
@media(max-width:900px){.calc-grid{grid-template-columns:1fr;}}
.calc{
  background:#fff;border:1px solid var(--line);border-radius:18px;overflow:hidden;
  box-shadow:var(--shadow-card);display:flex;flex-direction:column;
}
.calc-head{
  background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;padding:18px 22px;
}
.calc-head h3{font-size:16.5px;font-weight:800;letter-spacing:-.2px;}
.calc-head p{font-size:12.5px;color:var(--gold-lt);margin-top:3px;font-weight:600;}
.calc-body{padding:22px;flex:1;display:flex;flex-direction:column;gap:14px;}
.field label{display:block;font-size:12.5px;font-weight:800;color:var(--navy);letter-spacing:.4px;text-transform:uppercase;margin-bottom:6px;}
.field input{
  width:100%;padding:12px 14px;font-size:16px;color:var(--ink);
  border:2px solid var(--line);border-radius:10px;outline:none;background:#FAFBFE;
  transition:border-color .2s,box-shadow .2s;font-family:var(--font);
}
.field input:focus{border-color:var(--gold);box-shadow:0 0 0 4px var(--gold-soft);background:#fff;}
.calc-results{
  background:#F7F9FE;border:1px solid var(--line);border-radius:12px;padding:16px 18px;
  display:flex;flex-direction:column;gap:8px;
}
.calc-row{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:baseline;gap:4px 12px;font-size:14px;color:var(--muted);font-weight:600;}
.calc-row b{font-size:17px;color:var(--navy);font-weight:800;white-space:nowrap;}
.calc-row.hl b{color:var(--gold);font-size:19px;}
.calc-note{font-size:12px;color:#9AA3B8;line-height:1.6;}
.bars{display:flex;align-items:flex-end;gap:5px;height:90px;margin-top:6px;padding-top:6px;border-top:1px dashed var(--line);}
.bars .bar{
  flex:1;min-width:5px;border-radius:4px 4px 0 0;
  background:linear-gradient(180deg,var(--gold-lt),var(--gold));
  transition:height .5s cubic-bezier(.4,0,.2,1);position:relative;
}
.bars .bar.alt{background:linear-gradient(180deg,#8C9BD8,var(--navy2));}
.bars .bar.zero{background:#E0E4EF;}
.bar-legend{display:flex;flex-wrap:wrap;gap:5px 16px;font-size:10.5px;color:var(--muted);margin-top:8px;font-weight:600;}
.bar-legend .sw{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:5px;vertical-align:-1px;}
.sw-gold{background:var(--gold);}
.sw-navy{background:var(--navy2);}

/* ============ IFRAME EMBED ============ */
.embed-wrap{
  background:#fff;border:1px solid var(--line);border-radius:18px;overflow:hidden;
  box-shadow:var(--shadow-card);
}
.embed-wrap iframe{display:block;width:100%;height:1200px;border:none;}
.embed-fallback{padding:14px 18px;text-align:center;font-size:14px;color:var(--muted);border-top:1px solid var(--line);background:#F7F9FE;}

/* ============ SCROLL REVEAL ============ */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .7s cubic-bezier(.25,.8,.35,1),transform .7s cubic-bezier(.25,.8,.35,1);}
.reveal.in{opacity:1;transform:none;}
@media(prefers-reduced-motion:reduce){
  .reveal{opacity:1;transform:none;transition:none;}
  html{scroll-behavior:auto;}
}

/* ============ FOOTER ============ */
.site-footer{
  background:var(--navy-dk);color:rgba(255,255,255,.72);margin-top:auto;
  border-top:3px solid var(--gold);
}
.footer-inner{
  max-width:1080px;margin:0 auto;padding:44px 20px 8px;
  display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:34px;
}
@media(max-width:760px){.footer-inner{grid-template-columns:1fr;gap:26px;}}
.footer-brand img{
  width:52px;height:52px;border-radius:12px;background:#fff;padding:4px;margin-bottom:14px;object-fit:contain;
}
.footer-brand h4{color:#fff;font-size:15px;font-weight:800;letter-spacing:.4px;margin-bottom:4px;}
.footer-brand .tag{font-size:10.5px;color:var(--gold-lt);letter-spacing:1.2px;text-transform:uppercase;font-weight:700;margin-bottom:12px;}
.footer-brand p{font-size:13.5px;line-height:1.8;}
.footer-brand a{color:var(--gold-lt);text-decoration:none;}
.footer-brand a:hover{text-decoration:underline;}
.site-footer h5{color:#fff;font-size:12px;font-weight:800;letter-spacing:1.4px;text-transform:uppercase;margin-bottom:14px;}
.footer-links{list-style:none;}
.footer-links li{margin-bottom:9px;}
.footer-links a{color:rgba(255,255,255,.72);text-decoration:none;font-size:14px;transition:color .15s;}
.footer-links a:hover{color:var(--gold-lt);}
.footer-legal{
  max-width:1080px;margin:0 auto;padding:22px 20px 30px;
  border-top:1px solid rgba(255,255,255,.1);margin-top:30px;
  font-size:12.5px;line-height:1.85;color:rgba(255,255,255,.6);
}
.footer-legal .risk-line{color:rgba(255,255,255,.85);font-weight:700;margin-bottom:8px;}
.footer-legal p{margin-bottom:7px;}
.footer-legal a{color:var(--gold-lt);}

/* ============ MISC ============ */
.prose{max-width:760px;}
.prose h2{font-size:22px;font-weight:800;color:var(--navy);margin:34px 0 12px;letter-spacing:-.3px;}
.prose h2:first-child{margin-top:0;}
.prose p{font-size:16px;color:var(--ink);line-height:1.85;margin-bottom:14px;}
.prose ul,.prose ol{padding-left:22px;margin-bottom:14px;}
.prose li{font-size:16px;color:var(--ink);line-height:1.85;margin-bottom:6px;}
.prose .muted{color:var(--muted);}
.prose a,.prose li,.card p,.banner-info,.banner-warn,
.footer-brand p,.footer-legal p{overflow-wrap:break-word;word-break:break-word;}
.chip{
  display:inline-block;background:var(--gold-soft);border:1px solid rgba(201,162,39,.4);
  color:#8A6D0B;font-size:12.5px;font-weight:800;border-radius:999px;padding:5px 13px;margin:0 6px 8px 0;
}
/* ============ RESPONSIVE BANDS ============ */
/* Tablet portrait and below */
@media(max-width:768px){
  .section{padding:52px 0;}
  .hero{padding:58px 0 64px;}
  .page-hero{padding:44px 0 48px;}
  .footer-links a{display:inline-block;padding:5px 0;}
  .footer-links li{margin-bottom:4px;}
  .footer-legal{padding-bottom:96px;} /* clearance for floating contact button */
}
/* Phones */
@media(max-width:560px){
  .nav-inner{padding:10px 16px;}
  .brand-sub{font-size:9px;letter-spacing:1.1px;white-space:normal;}
  .hero-ctas{gap:12px;}
  .btn{width:100%;}
  .btn[style*="margin-right"]{margin-right:0 !important;}
  p > .btn + .btn{margin-top:10px;}
  .card{padding:24px 20px;}
  .embed-wrap iframe{height:1100px;}
}
/* Small phones */
@media(max-width:400px){
  .container{padding:0 16px;}
  .section{padding:48px 0;}
  .hero{padding:54px 0 60px;}
  .trust{padding:26px 20px;}
  .calc-body{padding:18px 16px;}
  .step{padding:22px 18px;}
}