:root {
  --primary: #075985;
  --primary-dark: #083344;
  --accent: #13a77f;
  --accent-light: #6ee7c8;
  --warm: #d69232;
  --rose: #b85b55;
  --ink: #10202d;
  --ink-soft: #405369;
  --mute: #6b7a8c;
  --bg: #ffffff;
  --bg-soft: #f6fafb;
  --bg-panel: #edf7f7;
  --line: #d9e7ea;
  --shadow-sm: 0 12px 30px rgba(8, 51, 68, 0.08);
  --shadow-md: 0 24px 60px rgba(8, 51, 68, 0.14);
  --shadow-lg: 0 38px 90px rgba(8, 51, 68, 0.26);
}

body {
  background:
    linear-gradient(180deg, #ffffff 0%, #f8fbfb 38%, #ffffff 100%);
  color: var(--ink);
}

a {
  text-underline-offset: 4px;
}

.container {
  max-width: 1200px;
}

.site-header {
  background: rgba(255, 255, 255, 0.88);
  border-bottom: 1px solid rgba(217, 231, 234, 0.82);
  box-shadow: 0 10px 30px rgba(8, 51, 68, 0.05);
}

.nav {
  padding: 10px 0;
}

.brand-logo {
  height: 58px;
  filter: drop-shadow(0 8px 18px rgba(8, 51, 68, 0.08));
}

.nav-links {
  gap: 22px;
}

.nav-links a:not(.btn) {
  position: relative;
  color: #31475a;
  font-weight: 650;
}

.nav-links a:not(.btn)::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: -7px;
  height: 2px;
  background: var(--accent);
  transform: scaleX(0);
  transform-origin: center;
  transition: transform 0.18s ease;
}

.nav-links a:not(.btn):hover::after {
  transform: scaleX(1);
}

.btn {
  border-radius: 8px;
  box-shadow: none;
}

.btn-primary {
  background: linear-gradient(135deg, var(--primary), #0d7f91);
  box-shadow: 0 14px 28px rgba(7, 89, 133, 0.22);
}

.btn-primary:hover {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  box-shadow: 0 18px 34px rgba(7, 89, 133, 0.26);
}

.btn-outline {
  background: rgba(255, 255, 255, 0.14);
  color: #fff;
  border-color: rgba(255, 255, 255, 0.7);
}

.btn-outline:hover {
  background: #fff;
  color: var(--primary-dark);
  border-color: #fff;
}

.hero {
  min-height: calc(100vh - 79px);
  display: flex;
  align-items: center;
  padding: clamp(88px, 12vh, 142px) 0 clamp(70px, 10vh, 112px);
  overflow: hidden;
  isolation: isolate;
  background:
    linear-gradient(90deg, rgba(4, 30, 43, 0.92) 0%, rgba(4, 30, 43, 0.76) 43%, rgba(4, 30, 43, 0.38) 72%, rgba(4, 30, 43, 0.22) 100%),
    linear-gradient(180deg, rgba(4, 30, 43, 0.18) 0%, rgba(4, 30, 43, 0.58) 100%),
    url("assets/hbs-hero-bg.jpg") center right / cover no-repeat;
}

.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  pointer-events: none;
  opacity: 0.32;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.12) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.12) 1px, transparent 1px);
  background-size: 72px 72px;
  mask-image: linear-gradient(90deg, #000 0%, transparent 72%);
}

.hero-grid {
  display: block;
}

.hero-grid > div:first-child {
  max-width: 760px;
}

.eyebrow {
  border-radius: 8px;
  border: 1px solid rgba(7, 89, 133, 0.16);
  background: #eef8f6;
  color: var(--primary-dark);
  font-weight: 800;
  letter-spacing: 0;
}

.eyebrow-hero {
  padding: 9px 16px;
  color: #d8fff3;
  background: rgba(255, 255, 255, 0.11);
  border-color: rgba(255, 255, 255, 0.22);
  backdrop-filter: blur(14px);
  font-size: clamp(16px, 2vw, 20px);
}

.hero h1 {
  max-width: 760px;
  color: #fff;
  font-size: clamp(46px, 6.2vw, 78px);
  line-height: 0.98;
  letter-spacing: 0;
  text-wrap: balance;
  text-shadow: 0 18px 50px rgba(0, 0, 0, 0.34);
}

.hero h1 .accent {
  color: #8df0d5;
}

.hero-sub {
  max-width: 690px;
  color: rgba(255, 255, 255, 0.92);
  font-size: clamp(18px, 2.2vw, 23px);
  line-height: 1.55;
}

.hero-tagline {
  color: #f6c96e;
  letter-spacing: 0.08em;
}

.hero-trust {
  color: rgba(255, 255, 255, 0.82);
  font-weight: 700;
}

.trust-dot {
  background: var(--accent-light);
  box-shadow: 0 0 0 5px rgba(110, 231, 200, 0.18);
}

.hero-visual {
  width: min(760px, 100%);
  margin-top: 34px;
  padding: 14px;
  border-radius: 8px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  background: rgba(255, 255, 255, 0.12);
  box-shadow: var(--shadow-lg);
  backdrop-filter: blur(18px);
}

.stat-row {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  margin-bottom: 0;
}

.stat {
  min-height: 132px;
  padding: 18px;
  border-radius: 8px;
  border: 1px solid rgba(255, 255, 255, 0.22);
  background: rgba(255, 255, 255, 0.9);
  box-shadow: 0 16px 36px rgba(8, 51, 68, 0.12);
}

.stat-num {
  color: var(--primary-dark);
  font-size: clamp(26px, 3vw, 36px);
}

.stat-label {
  color: #41566b;
}

.stat-wide {
  grid-column: auto;
  background: linear-gradient(135deg, var(--accent), #0f766e);
}

section {
  padding: clamp(76px, 9vw, 112px) 0;
  scroll-margin-top: 92px;
}

.section-head {
  max-width: 790px;
  margin-bottom: 48px;
}

.section-head h2 {
  color: var(--primary-dark);
  font-size: clamp(32px, 4.2vw, 50px);
  letter-spacing: 0;
  text-wrap: balance;
}

.section-head p {
  color: var(--ink-soft);
  font-size: 18px;
}

.benefits-section,
.how-section {
  background:
    linear-gradient(180deg, #f6fbfb 0%, #eef7f7 100%);
}

.benefits-section::before,
.how-section::before,
#faq::before {
  content: "";
  position: absolute;
  inset: 0;
  pointer-events: none;
  opacity: 0.58;
  background-image:
    linear-gradient(rgba(7, 89, 133, 0.055) 1px, transparent 1px),
    linear-gradient(90deg, rgba(7, 89, 133, 0.055) 1px, transparent 1px);
  background-size: 44px 44px;
}

.benefits,
.steps {
  position: relative;
  z-index: 1;
}

.benefit,
.step,
details,
.service {
  border-radius: 8px;
  border-color: rgba(217, 231, 234, 0.95);
  box-shadow: var(--shadow-sm);
}

.benefit {
  position: relative;
  overflow: hidden;
  padding: 30px;
}

.benefit::before {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 4px;
  background: linear-gradient(90deg, var(--primary), var(--accent), var(--warm));
}

.benefit:hover {
  transform: translateY(-6px);
  border-color: rgba(19, 167, 127, 0.55);
  box-shadow: var(--shadow-md);
}

.benefit-icon,
.step-num {
  border-radius: 8px;
  background: linear-gradient(135deg, #075985, #13a77f);
  box-shadow: 0 12px 26px rgba(7, 89, 133, 0.22);
}

.benefit h3,
.step h3 {
  color: var(--primary-dark);
}

#services {
  background:
    linear-gradient(180deg, #ffffff 0%, #fbfefe 100%);
}

.services {
  align-items: stretch;
}

.service {
  position: relative;
  min-height: 160px;
  display: grid;
  align-content: center;
  background:
    linear-gradient(180deg, #ffffff 0%, #f4fbfa 100%);
  transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
}

.service:hover {
  transform: translateY(-5px);
  border-color: rgba(7, 89, 133, 0.32);
  box-shadow: var(--shadow-md);
}

.service-icon {
  color: var(--accent);
}

.steps {
  gap: 24px;
}

.step {
  padding: 34px 30px 30px;
  background: #fff;
}

.step-num {
  top: -18px;
  width: 36px;
  height: 36px;
}

.fiduciary-panel {
  position: relative;
  overflow: hidden;
  border-radius: 8px;
  background:
    linear-gradient(135deg, rgba(7, 89, 133, 0.98) 0%, rgba(8, 51, 68, 0.98) 70%),
    linear-gradient(90deg, transparent 0%, rgba(214, 146, 50, 0.18) 100%);
  box-shadow: var(--shadow-lg);
}

.fiduciary-panel::after {
  content: "";
  position: absolute;
  inset: 18px;
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 8px;
  pointer-events: none;
}

.fiduciary-list li::before {
  border-radius: 8px;
  background: linear-gradient(135deg, var(--accent-light), var(--warm));
}

#faq {
  background: #fbfefe;
}

details {
  background: rgba(255, 255, 255, 0.92);
  padding: 22px 24px;
}

details[open] {
  border-color: rgba(19, 167, 127, 0.5);
  box-shadow: var(--shadow-sm);
}

details[open] summary::after {
  content: "-";
}

.cta-band {
  overflow: hidden;
  background:
    linear-gradient(135deg, rgba(7, 89, 133, 0.98), rgba(8, 51, 68, 1)),
    linear-gradient(90deg, rgba(214, 146, 50, 0.16), transparent);
}

.cta-band::before {
  content: "";
  position: absolute;
  inset: 0;
  pointer-events: none;
  opacity: 0.22;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.16) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.16) 1px, transparent 1px);
  background-size: 52px 52px;
}

.cta-grid {
  position: relative;
  z-index: 1;
}

.cta-copy h2 {
  font-size: clamp(34px, 4.5vw, 54px);
  line-height: 1.05;
  text-wrap: balance;
}

.cta-points li::before {
  content: "+";
  color: #f6c96e;
}

.cta-embed {
  border-radius: 8px;
  padding: 10px;
  box-shadow: 0 28px 80px rgba(0, 0, 0, 0.32);
}

.cta-embed .calendly-inline-widget {
  border-radius: 8px;
}

footer {
  background:
    linear-gradient(180deg, #10202d 0%, #071722 100%);
}

.brand-logo-panel {
  border-radius: 8px;
}

.footer-grid {
  gap: 40px;
}

.footer-about {
  max-width: 420px;
}

.section-divider {
  display: none;
}

@media (max-width: 980px) {
  .hero {
    min-height: auto;
    background-position: 60% center;
  }

  .hero::before {
    mask-image: linear-gradient(180deg, #000 0%, transparent 75%);
  }

  .stat-row {
    grid-template-columns: 1fr;
  }

  .stat {
    min-height: auto;
  }

  .services {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 860px) {
  .site-header {
    position: static;
  }

  .nav {
    gap: 16px;
  }

  .brand-logo {
    height: 48px;
  }

  .hero {
    padding: 74px 0 68px;
    background:
      linear-gradient(90deg, rgba(4, 30, 43, 0.94) 0%, rgba(4, 30, 43, 0.84) 70%, rgba(4, 30, 43, 0.64) 100%),
      url("assets/hbs-hero-bg.jpg") center right / cover no-repeat;
  }

  .hero h1 {
    font-size: clamp(40px, 11vw, 58px);
  }

  .hero-cta .btn {
    width: 100%;
  }

  .benefits,
  .steps {
    grid-template-columns: 1fr;
  }

  .fiduciary-panel {
    padding: 38px 28px;
  }
}

@media (max-width: 560px) {
  .container {
    padding: 0 18px;
  }

  .nav {
    align-items: flex-start;
  }

  .nav-links {
    width: 100%;
    justify-content: stretch;
  }

  .nav-links .btn {
    width: 100%;
  }

  .eyebrow-hero {
    font-size: 15px;
  }

  .services {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    grid-template-columns: 1fr;
  }

  .footer-bottom {
    display: grid;
  }
}