/* ============================================================
   BERNARD STEBEN — FINANCIAL ADVISOR
   Mobile-First Responsive Stylesheet
   Brand Colors: Navy Trust + Gold Wealth + Emerald Growth
   Target Avatar: Ages 25-35, Newly Married, Young Families
   ============================================================ */

/* ---- CSS Variables / Brand System ---- */
:root {
  --navy:       #1B3A6B;
  --navy-dark:  #112550;
  --navy-light: #2A5298;
  --gold:       #C9A227;
  --gold-light: #E8C14B;
  --gold-pale:  #FBF3D9;
  --emerald:    #1A7A5E;
  --emerald-lt: #22A07B;
  --white:      #FFFFFF;
  --bg-light:   #F4F7FB;
  --bg-section: #EEF2F9;
  --text-dark:  #1C2541;
  --text-mid:   #4A5568;
  --text-light: #718096;
  --border:     #DDE3EE;
  --shadow-sm:  0 2px 8px rgba(27,58,107,.08);
  --shadow-md:  0 6px 24px rgba(27,58,107,.13);
  --shadow-lg:  0 12px 40px rgba(27,58,107,.18);
  --radius:     10px;
  --radius-lg:  18px;
  --transition: all .25s ease;
}

/* ---- Reset & Base ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Segoe UI', system-ui, -apple-system, BlinkMacSystemFont, sans-serif;
  font-size: 16px;
  line-height: 1.65;
  color: var(--text-dark);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }

h1, h2, h3, h4 {
  line-height: 1.25;
  font-weight: 700;
  color: var(--navy);
}

h1 { font-size: clamp(1.75rem, 5vw, 2.75rem); }
h2 { font-size: clamp(1.4rem, 4vw, 2.1rem); }
h3 { font-size: clamp(1.1rem, 3vw, 1.45rem); }
h4 { font-size: 1.05rem; }

p { color: var(--text-mid); margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

section { padding: 64px 0; }

.container {
  width: 100%;
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 20px;
}

/* ============================================================
   NAVIGATION
   ============================================================ */
.site-nav {
  background: var(--navy);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 16px rgba(0,0,0,.22);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 20px;
  height: 64px;
  max-width: 1260px;
  margin: 0 auto;
}

/* Logo / Brand */
.nav-brand {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}
.nav-brand .brand-name {
  font-size: 1rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: .02em;
}
.nav-brand .brand-title {
  font-size: .7rem;
  color: var(--gold-light);
  font-weight: 400;
  letter-spacing: .06em;
  text-transform: uppercase;
}

/* Desktop nav links */
.nav-links {
  display: none;
  align-items: center;
  gap: 4px;
}

.nav-links a {
  font-size: .78rem;
  font-weight: 500;
  color: rgba(255,255,255,.82);
  padding: 6px 9px;
  border-radius: 6px;
  transition: var(--transition);
  letter-spacing: .01em;
  white-space: nowrap;
}
.nav-links a:hover,
.nav-links a.active {
  color: var(--white);
  background: rgba(255,255,255,.12);
}

/* CTA Button */
.btn-join {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--gold);
  color: var(--navy-dark) !important;
  font-weight: 700;
  font-size: .78rem;
  padding: 9px 16px;
  border-radius: 6px;
  transition: var(--transition);
  white-space: nowrap;
  letter-spacing: .01em;
  flex-shrink: 0;
}
.btn-join:hover {
  background: var(--gold-light);
  transform: translateY(-1px);
  box-shadow: 0 4px 14px rgba(201,162,39,.4);
}

/* Hamburger */
.nav-toggle {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 38px;
  height: 38px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
  border-radius: 6px;
  transition: var(--transition);
}
.nav-toggle:hover { background: rgba(255,255,255,.1); }
.nav-toggle span {
  display: block;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition);
}

/* Mobile menu open state */
.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile Drawer */
.nav-mobile {
  display: none;
  flex-direction: column;
  background: var(--navy-dark);
  border-top: 1px solid rgba(255,255,255,.1);
  padding: 12px 20px 20px;
}
.nav-mobile.open { display: flex; }
.nav-mobile a {
  color: rgba(255,255,255,.85);
  font-size: .9rem;
  font-weight: 500;
  padding: 11px 12px;
  border-radius: 7px;
  transition: var(--transition);
  border-bottom: 1px solid rgba(255,255,255,.07);
}
.nav-mobile a:last-child { border-bottom: none; }
.nav-mobile a:hover { background: rgba(255,255,255,.1); color: var(--white); }
.nav-mobile .btn-join-mobile {
  margin-top: 10px;
  background: var(--gold);
  color: var(--navy-dark) !important;
  font-weight: 700;
  text-align: center;
  border-radius: 8px;
  border: none;
  font-size: .95rem;
  padding: 13px;
}
.nav-mobile .btn-join-mobile:hover { background: var(--gold-light); }

@media (min-width: 1024px) {
  .nav-links { display: flex; }
  .nav-toggle { display: none; }
}

/* ============================================================
   HERO SECTIONS
   ============================================================ */
.hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 55%, var(--navy-light) 100%);
  padding: 72px 0 60px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero .container { position: relative; z-index: 1; }
.hero-eyebrow {
  display: inline-block;
  background: rgba(201,162,39,.18);
  color: var(--gold-light);
  border: 1px solid rgba(201,162,39,.35);
  font-size: .75rem;
  font-weight: 600;
  letter-spacing: .1em;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 20px;
  margin-bottom: 18px;
}
.hero h1 { color: var(--white); margin-bottom: 18px; }
.hero .hero-sub {
  font-size: clamp(.95rem, 2.5vw, 1.18rem);
  color: rgba(255,255,255,.78);
  max-width: 660px;
  margin-bottom: 32px;
  line-height: 1.7;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; }

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 13px 26px;
  border-radius: 8px;
  font-weight: 700;
  font-size: .92rem;
  cursor: pointer;
  border: none;
  transition: var(--transition);
  letter-spacing: .01em;
  line-height: 1;
}
.btn-primary {
  background: var(--gold);
  color: var(--navy-dark);
}
.btn-primary:hover {
  background: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(201,162,39,.4);
}
.btn-secondary {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,.5);
}
.btn-secondary:hover {
  border-color: var(--white);
  background: rgba(255,255,255,.08);
  transform: translateY(-2px);
}
.btn-emerald {
  background: var(--emerald);
  color: var(--white);
}
.btn-emerald:hover {
  background: var(--emerald-lt);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(26,122,94,.35);
}
.btn-outline-navy {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
}
.btn-outline-navy:hover {
  background: var(--navy);
  color: var(--white);
  transform: translateY(-2px);
}
.btn-lg { padding: 16px 34px; font-size: 1rem; border-radius: 10px; }
.btn-sm { padding: 9px 18px; font-size: .82rem; }

/* ============================================================
   SECTION HEADERS
   ============================================================ */
.section-header { text-align: center; margin-bottom: 48px; }
.section-header .eyebrow {
  display: inline-block;
  color: var(--gold);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  margin-bottom: 10px;
}
.section-header h2 { margin-bottom: 14px; }
.section-header p {
  max-width: 620px;
  margin: 0 auto;
  font-size: 1.04rem;
  color: var(--text-mid);
}
.divider {
  width: 52px;
  height: 3px;
  background: var(--gold);
  border-radius: 3px;
  margin: 14px auto 0;
}

/* ============================================================
   CARDS
   ============================================================ */
.card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  transition: var(--transition);
}
.card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}
.card-icon {
  width: 54px;
  height: 54px;
  border-radius: 12px;
  background: var(--bg-section);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 18px;
}
.card-icon.gold { background: var(--gold-pale); }
.card-icon.navy { background: rgba(27,58,107,.08); }
.card-icon.emerald { background: rgba(26,122,94,.08); }
.card h3 { margin-bottom: 10px; font-size: 1.1rem; }

/* ============================================================
   GRIDS
   ============================================================ */
.grid-2 { display: grid; grid-template-columns: 1fr; gap: 24px; }
.grid-3 { display: grid; grid-template-columns: 1fr; gap: 24px; }
.grid-4 { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }

@media (min-width: 640px) {
  .grid-2 { grid-template-columns: 1fr 1fr; }
  .grid-3 { grid-template-columns: 1fr 1fr; }
}
@media (min-width: 900px) {
  .grid-3 { grid-template-columns: 1fr 1fr 1fr; }
  .grid-4 { grid-template-columns: repeat(4, 1fr); }
}

/* ============================================================
   SPLIT SECTIONS (text + visual)
   ============================================================ */
.split { display: grid; grid-template-columns: 1fr; gap: 40px; align-items: center; }
@media (min-width: 768px) {
  .split { grid-template-columns: 1fr 1fr; gap: 60px; }
  .split.reverse .split-visual { order: -1; }
}
.split-visual {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.split-visual .visual-placeholder {
  background: linear-gradient(135deg, var(--bg-section), var(--border));
  aspect-ratio: 4/3;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 3rem;
  color: var(--text-light);
}

/* ============================================================
   HIGHLIGHT BOXES / CALLOUTS
   ============================================================ */
.callout {
  border-left: 4px solid var(--gold);
  background: var(--gold-pale);
  padding: 20px 24px;
  border-radius: 0 var(--radius) var(--radius) 0;
  margin: 28px 0;
}
.callout p { color: var(--text-dark); font-weight: 500; margin: 0; }

.callout-navy {
  border-left-color: var(--navy);
  background: rgba(27,58,107,.05);
}
.callout-navy p { color: var(--navy-dark); }

.callout-emerald {
  border-left-color: var(--emerald);
  background: rgba(26,122,94,.06);
}
.callout-emerald p { color: var(--emerald); }

/* ============================================================
   CHECK LISTS
   ============================================================ */
.check-list { display: flex; flex-direction: column; gap: 10px; }
.check-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: .95rem;
  color: var(--text-mid);
  line-height: 1.5;
}
.check-list li::before {
  content: '✓';
  flex-shrink: 0;
  width: 22px;
  height: 22px;
  background: var(--emerald);
  color: var(--white);
  border-radius: 50%;
  font-size: .65rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 1px;
}
.check-list.gold li::before { background: var(--gold); color: var(--navy-dark); }
.check-list.navy li::before { background: var(--navy); }

/* ============================================================
   NUMBERED STEPS
   ============================================================ */
.steps { display: flex; flex-direction: column; gap: 32px; }
.step { display: flex; gap: 20px; align-items: flex-start; }
.step-num {
  flex-shrink: 0;
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  font-weight: 700;
}
.step-body h4 { margin-bottom: 6px; font-size: 1rem; }
.step-body p { margin: 0; font-size: .93rem; }

/* ============================================================
   STAT BARS
   ============================================================ */
.stats-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 32px 0;
}
.stat-pill {
  background: var(--gold-pale);
  border: 1px solid rgba(201,162,39,.3);
  color: var(--navy);
  font-weight: 700;
  font-size: .82rem;
  padding: 8px 16px;
  border-radius: 30px;
  display: flex;
  align-items: center;
  gap: 6px;
}

/* ============================================================
   CTA BAND
   ============================================================ */
.cta-band {
  background: linear-gradient(135deg, var(--navy-dark), var(--navy));
  padding: 72px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-band::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at center, rgba(201,162,39,.15) 0%, transparent 70%);
}
.cta-band .container { position: relative; z-index: 1; }
.cta-band h2 { color: var(--white); margin-bottom: 14px; }
.cta-band p { color: rgba(255,255,255,.72); font-size: 1.05rem; max-width: 560px; margin: 0 auto 32px; }
.cta-band .cta-actions { display: flex; flex-wrap: wrap; gap: 14px; justify-content: center; }

/* ============================================================
   TESTIMONIAL / QUOTE
   ============================================================ */
.quote-box {
  background: var(--bg-section);
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 1px solid var(--border);
  position: relative;
}
.quote-box::before {
  content: '"';
  position: absolute;
  top: 10px;
  left: 22px;
  font-size: 5rem;
  color: var(--gold);
  opacity: .35;
  line-height: 1;
  font-family: Georgia, serif;
}
.quote-box p { color: var(--text-dark); font-size: 1.04rem; font-style: italic; }
.quote-attr { margin-top: 14px; font-weight: 600; font-size: .85rem; color: var(--navy); }

/* ============================================================
   ACCORDION (FAQ)
   ============================================================ */
.accordion { border: 1px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; }
.accordion-item { border-bottom: 1px solid var(--border); }
.accordion-item:last-child { border-bottom: none; }
.accordion-btn {
  width: 100%;
  background: none;
  border: none;
  padding: 18px 22px;
  text-align: left;
  font-size: .97rem;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  transition: var(--transition);
}
.accordion-btn:hover { background: var(--bg-light); }
.accordion-btn .icon {
  flex-shrink: 0;
  font-size: 1.2rem;
  transition: transform .25s ease;
}
.accordion-btn.open .icon { transform: rotate(45deg); }
.accordion-body { display: none; padding: 0 22px 20px; color: var(--text-mid); font-size: .93rem; line-height: 1.7; }
.accordion-body.open { display: block; }

/* ============================================================
   BADGE TAGS
   ============================================================ */
.badge {
  display: inline-block;
  padding: 4px 12px;
  border-radius: 20px;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
}
.badge-gold { background: var(--gold-pale); color: #7a5e00; border: 1px solid rgba(201,162,39,.3); }
.badge-navy { background: rgba(27,58,107,.08); color: var(--navy); }
.badge-emerald { background: rgba(26,122,94,.08); color: var(--emerald); }

/* ============================================================
   PAGE INTRO STRIP
   ============================================================ */
.page-intro {
  background: var(--bg-light);
  border-bottom: 1px solid var(--border);
  padding: 12px 0;
}
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .8rem;
  color: var(--text-light);
}
.breadcrumb a { color: var(--navy); font-weight: 500; }
.breadcrumb a:hover { text-decoration: underline; }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,.65);
  padding: 56px 0 28px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 36px;
  margin-bottom: 40px;
}
@media (min-width: 640px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (min-width: 900px) {
  .footer-grid { grid-template-columns: 2fr 1fr 1fr 1fr; }
}
.footer-brand .brand-name {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 6px;
}
.footer-brand .brand-tag {
  font-size: .78rem;
  color: var(--gold-light);
  letter-spacing: .08em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
.footer-brand p { font-size: .87rem; line-height: 1.65; color: rgba(255,255,255,.55); }
.footer-col h4 {
  color: var(--white);
  font-size: .83rem;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
.footer-col ul { display: flex; flex-direction: column; gap: 8px; }
.footer-col ul li a {
  font-size: .87rem;
  color: rgba(255,255,255,.55);
  transition: var(--transition);
}
.footer-col ul li a:hover { color: var(--gold-light); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  padding-top: 22px;
  display: flex;
  flex-direction: column;
  gap: 8px;
  align-items: center;
  text-align: center;
  font-size: .8rem;
}
@media (min-width: 640px) {
  .footer-bottom { flex-direction: row; justify-content: space-between; text-align: left; }
}
.footer-bottom a { color: var(--gold-light); transition: var(--transition); }
.footer-bottom a:hover { color: var(--white); }

/* ============================================================
   SECTION BACKGROUNDS
   ============================================================ */
.bg-light   { background: var(--bg-light); }
.bg-section { background: var(--bg-section); }
.bg-navy    { background: var(--navy); }
.bg-navy-dark { background: var(--navy-dark); }
.text-white { color: var(--white) !important; }
.text-white h1, .text-white h2, .text-white h3, .text-white h4 { color: var(--white); }
.text-white p { color: rgba(255,255,255,.75); }
.text-center { text-align: center; }

/* ============================================================
   UTILITY HELPERS
   ============================================================ */
.mt-0  { margin-top: 0; }
.mt-8  { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mb-0  { margin-bottom: 0; }
.mb-8  { margin-bottom: 8px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }
.gap-8  { gap: 8px; }
.gap-16 { gap: 16px; }
.gap-24 { gap: 24px; }

/* ============================================================
   MEDIA — Larger Padding at Desktop
   ============================================================ */
@media (min-width: 768px) {
  section { padding: 88px 0; }
  .hero { padding: 96px 0 80px; }
}

/* ============================================================
   JOIN TEAM MODAL
   ============================================================ */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(10,18,40,.65);
  z-index: 2000;
  align-items: center;
  justify-content: center;
  padding: 20px;
  backdrop-filter: blur(4px);
}
.modal-overlay.open { display: flex; }
.modal {
  background: var(--white);
  border-radius: var(--radius-lg);
  max-width: 520px;
  width: 100%;
  padding: 40px 36px;
  position: relative;
  box-shadow: var(--shadow-lg);
  animation: slideUp .3s ease;
}
@keyframes slideUp {
  from { opacity: 0; transform: translateY(30px); }
  to   { opacity: 1; transform: translateY(0); }
}
.modal-close {
  position: absolute;
  top: 16px;
  right: 16px;
  background: var(--bg-light);
  border: none;
  width: 34px;
  height: 34px;
  border-radius: 50%;
  cursor: pointer;
  font-size: 1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-mid);
  transition: var(--transition);
}
.modal-close:hover { background: var(--border); color: var(--text-dark); }
.modal h3 { margin-bottom: 8px; }
.modal p { font-size: .95rem; margin-bottom: 24px; }
.modal-form { display: flex; flex-direction: column; gap: 14px; }
.modal-form input, .modal-form select, .modal-form textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-size: .93rem;
  color: var(--text-dark);
  background: var(--bg-light);
  transition: var(--transition);
  font-family: inherit;
}
.modal-form input:focus,
.modal-form select:focus,
.modal-form textarea:focus {
  outline: none;
  border-color: var(--navy);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(27,58,107,.1);
}
.modal-form textarea { resize: vertical; min-height: 90px; }
.modal-form .btn { width: 100%; justify-content: center; }
.modal-disclaimer {
  font-size: .75rem;
  color: var(--text-light);
  text-align: center;
  margin-top: 10px;
}

/* ============================================================
   ICON STRIPS
   ============================================================ */
.icon-row {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin: 28px 0;
}
.icon-chip {
  display: flex;
  align-items: center;
  gap: 8px;
  background: var(--bg-section);
  padding: 10px 16px;
  border-radius: 30px;
  font-size: .84rem;
  font-weight: 600;
  color: var(--navy);
  border: 1px solid var(--border);
}
.icon-chip .icon { font-size: 1rem; }

/* ============================================================
   PROCESS ARROWS
   ============================================================ */
.process-flow {
  display: flex;
  flex-direction: column;
  gap: 0;
}
.process-step {
  display: flex;
  align-items: flex-start;
  gap: 20px;
  padding: 24px 0;
  border-bottom: 1px solid var(--border);
  position: relative;
}
.process-step:last-child { border-bottom: none; }
.process-badge {
  flex-shrink: 0;
  background: var(--navy);
  color: var(--white);
  width: 48px;
  height: 48px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: .9rem;
  letter-spacing: .03em;
}
.process-badge.gold { background: var(--gold); color: var(--navy-dark); }
.process-badge.emerald { background: var(--emerald); }
.process-content h4 { margin-bottom: 4px; font-size: 1rem; }
.process-content p { font-size: .9rem; margin: 0; }

/* ============================================================
   RESPONSIVE TWEAKS
   ============================================================ */
@media (max-width: 480px) {
  .btn-lg { padding: 13px 22px; font-size: .9rem; }
  .modal { padding: 30px 22px; }
  section { padding: 52px 0; }
}