:root{
  --bg-base:#f4f6f9;
  --panel:#fff;
  --panel-2:#eef1f6;
  --text-light:#141820;
  --bull:#00C582;
  --bear:#FF4A5A;
  --system:#3B82F6;
  --border:#d9dee7;
  --muted:#5c6573;
  --radius:10px;
  --radius-sm:6px;
  --maxw:1200px;
  --header-h:56px;
  --space:clamp(16px,3vw,28px);
  --shadow:0 1px 3px rgba(20,24,32,.08),0 6px 18px rgba(20,24,32,.06);
  --shadow-lg:0 10px 40px rgba(20,24,32,.12);
  --ff-body:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
  --ff-display:Georgia,'Times New Roman',serif;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

body{
  font-family:var(--ff-body);
  background:var(--bg-base);
  color:var(--text-light);
  line-height:1.6;
  font-size:16px;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}

img,svg{max-width:100%;display:block}
a{color:var(--system);text-decoration:none}
a:hover{text-decoration:underline}
ul{list-style:none}
button{font:inherit;cursor:pointer;border:none;background:none;color:inherit}

h1,h2,h3,h4{font-family:var(--ff-display);line-height:1.2;font-weight:700;color:var(--text-light)}
h1{font-size:clamp(1.9rem,5vw,3rem);letter-spacing:-.01em}
h2{font-size:clamp(1.5rem,3.5vw,2.2rem)}
h3{font-size:clamp(1.15rem,2.2vw,1.45rem)}
h4{font-size:1.05rem}
p{margin-bottom:1rem}
p:last-child{margin-bottom:0}
small{font-size:.8rem}

/* LAYOUT */
.container{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 var(--space)}
.section{padding:clamp(40px,7vw,80px) 0}
.section-head{max-width:720px;margin-bottom:clamp(24px,4vw,40px)}
.section-head .eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.72rem;font-weight:700;color:var(--system);font-family:var(--ff-body);margin-bottom:.6rem}
.section-head p{color:var(--muted);font-size:1.05rem}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.72rem;font-weight:700;color:var(--system)}
.lead{font-size:1.15rem;color:var(--muted)}
.text-bull{color:var(--bull)}
.text-bear{color:var(--bear)}
.text-system{color:var(--system)}
.text-muted{color:var(--muted)}

.grid{display:grid;gap:var(--space)}
.grid-2{grid-template-columns:1fr}
.grid-3{grid-template-columns:1fr}
.grid-4{grid-template-columns:1fr}
@media(min-width:640px){
  .grid-2{grid-template-columns:repeat(2,1fr)}
  .grid-3{grid-template-columns:repeat(2,1fr)}
  .grid-4{grid-template-columns:repeat(2,1fr)}
}
@media(min-width:780px){
  .grid-3{grid-template-columns:repeat(3,1fr)}
  .grid-4{grid-template-columns:repeat(4,1fr)}
}

/* SCROLL REVEAL */
.js-ready .reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
.js-ready .reveal.is-visible{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){
  .js-ready .reveal{opacity:1!important;transform:none!important;transition:none}
}

/* SCROLL PROGRESS */
#scroll-progress{position:fixed;top:0;left:0;height:3px;width:0;background:linear-gradient(90deg,var(--system),var(--bull));z-index:1200;transition:width .1s linear}
@media(prefers-reduced-motion:reduce){#scroll-progress{transition:none}}

/* BUTTONS */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;padding:.75rem 1.4rem;border-radius:var(--radius-sm);font-weight:600;font-size:.95rem;line-height:1;text-align:center;transition:transform .15s ease,box-shadow .15s ease,background .15s ease;text-decoration:none}
.btn:hover{text-decoration:none}
.btn-primary{background:var(--bull);color:#fff;box-shadow:0 4px 14px rgba(0,197,130,.3)}
.btn-primary:hover{background:#00a86f;transform:translateY(-1px);color:#fff}
.btn-secondary{background:var(--panel);color:var(--text-light);border:1px solid var(--border)}
.btn-secondary:hover{background:var(--panel-2);transform:translateY(-1px)}
.btn-system{background:var(--system);color:#fff}
.btn-system:hover{background:#2f6fd6;color:#fff;transform:translateY(-1px)}
.btn-lg{padding:.95rem 1.9rem;font-size:1.05rem}
@media(prefers-reduced-motion:reduce){.btn:hover{transform:none}}

/* HEADER */
.site-header{position:sticky;top:0;z-index:1000;height:var(--header-h);background:rgba(255,255,255,.82);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-bottom:1px solid var(--border);transition:height .2s ease,box-shadow .2s ease}
.site-header.is-scrolled{box-shadow:var(--shadow)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:100%;max-width:var(--maxw);margin:0 auto;padding:0 var(--space)}
.header-logo{display:none}
.brand-mark{font-family:var(--ff-display);font-weight:700;font-size:1.25rem;color:var(--text-light);letter-spacing:-.02em;text-decoration:none;flex-shrink:0}
.brand-mark:hover{text-decoration:none}
.brand-mark span{color:var(--bull)}

/* NAV */
#hamburger-btn{display:flex;flex-direction:column;gap:5px;width:40px;height:40px;align-items:center;justify-content:center;border-radius:var(--radius-sm)}
#hamburger-btn span{display:block;width:22px;height:2px;background:var(--text-light);transition:transform .2s ease,opacity .2s ease}
#hamburger-btn.is-active span:nth-child(1){transform:translateY(7px) rotate(45deg)}
#hamburger-btn.is-active span:nth-child(2){opacity:0}
#hamburger-btn.is-active span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

#main-nav{position:fixed;top:var(--header-h);left:0;right:0;bottom:0;background:var(--panel);flex-direction:column;align-items:stretch;padding:1rem var(--space) 2rem;overflow-y:auto;transform:translateX(-100%);transition:transform .25s ease;display:flex;gap:.25rem;z-index:999}
#main-nav.is-open{transform:translateX(0)}
.nav-item{position:relative}
.nav-link{display:flex;align-items:center;justify-content:space-between;width:100%;padding:.8rem .5rem;font-weight:600;color:var(--text-light);border-bottom:1px solid var(--border);text-decoration:none}
.nav-link:hover{text-decoration:none;color:var(--system)}
.dropdown{padding:.25rem 0 .5rem .75rem}
.dropdown li a{display:block;padding:.5rem;color:var(--muted);font-size:.92rem;text-decoration:none}
.dropdown li a:hover{color:var(--system)}
.nav-cta{margin-top:1rem}
.nav-cta .btn{width:100%}

@media(min-width:780px){
  #hamburger-btn{display:none}
  #main-nav{position:static;transform:none;flex-direction:row;align-items:center;justify-content:flex-end;background:transparent;padding:0;overflow:visible;gap:.25rem;height:100%}
  .nav-link{border-bottom:none;padding:.5rem .65rem;font-size:.9rem;width:auto}
  .nav-item.has-dropdown>.nav-link::after{content:'\25BE';font-size:.6rem;margin-left:.3rem;color:var(--muted)}
  .dropdown{position:absolute;top:100%;left:0;min-width:200px;background:var(--panel);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow-lg);padding:.4rem;opacity:0;visibility:hidden;transform:translateY(6px);transition:opacity .18s ease,transform .18s ease,visibility .18s;z-index:50}
  .nav-item.has-dropdown:hover>.dropdown,.nav-item.has-dropdown:focus-within>.dropdown{opacity:1;visibility:visible;transform:translateY(0)}
  .dropdown li a{border-radius:var(--radius-sm)}
  .dropdown li a:hover{background:var(--panel-2)}
  .nav-cta{margin:0 0 0 .6rem}
  .nav-cta .btn{width:auto;padding:.55rem 1.1rem}
}
@media(prefers-reduced-motion:reduce){#main-nav,.dropdown{transition:none}}

/* RISK / DISCLAIMER BANNER */
.risk-banner{background:var(--text-light);color:#f4f6f9;font-size:.78rem;padding:.5rem 0;text-align:center}
.risk-banner *{color:inherit}
.risk-banner .container{display:flex;align-items:center;justify-content:center;gap:.5rem;flex-wrap:wrap}

/* FOOTER */
.site-footer{background:var(--text-light);color:#f4f6f9;padding:clamp(40px,6vw,64px) 0 24px}
.site-footer *{color:inherit}
.footer-grid{display:grid;gap:2rem;grid-template-columns:1fr}
@media(min-width:640px){.footer-grid{grid-template-columns:repeat(2,1fr)}}
@media(min-width:780px){.footer-grid{grid-template-columns:1.5fr repeat(3,1fr)}}
.footer-col h4{font-family:var(--ff-body);font-size:.78rem;text-transform:uppercase;letter-spacing:.12em;color:#9aa4b2;margin-bottom:1rem}
.footer-col ul li{margin-bottom:.5rem}
.footer-col a{color:#cdd4de;font-size:.9rem;text-decoration:none}
.footer-col a:hover{color:#fff;text-decoration:underline}
.footer-brand .brand-mark{color:#fff}
.footer-brand p{color:#9aa4b2;font-size:.88rem;margin-top:.8rem}
.footer-bottom{margin-top:2.5rem;padding-top:1.5rem;border-top:1px solid rgba(255,255,255,.12);font-size:.78rem;color:#9aa4b2;display:flex;flex-wrap:wrap;gap:.5rem;justify-content:space-between}
.footer-risk{font-size:.74rem;color:#8590a0;margin-top:1rem;line-height:1.5}

/* SKIP LINK */
.skip-link{position:absolute;left:-9999px;top:0;background:var(--system);color:#fff;padding:.6rem 1rem;z-index:2000;border-radius:0 0 var(--radius-sm) 0}
.skip-link:focus{left:0}

/* GENERIC UTILITIES */
.center{text-align:center}
.mx-auto{margin-left:auto;margin-right:auto}
.mt-2{margin-top:1rem}.mt-3{margin-top:1.5rem}.mt-4{margin-top:2rem}
.divider{height:1px;background:var(--border);border:none;margin:2rem 0}


/* agent-nav-patch v1 — #main-nav > .nav-item direct children (no .nav-list) */
.header-logo{font-family:var(--font-display);font-weight:800;font-size:1.35rem;color:var(--brand);text-decoration:none;letter-spacing:-.02em;flex-shrink:0}
.header-logo:hover{text-decoration:none;opacity:.9}
#main-nav .nav-link{white-space:nowrap}
.nav-item.active>.nav-link{color:var(--brand)}
.btn-primary{background:transparent;color:var(--brand);border-color:var(--brand)}
.btn-primary:hover{background:var(--brand);color:var(--brand-ink)}
.btn-sm{padding:.55rem 1rem;font-size:.85rem}
.nav-cta{flex-shrink:0}
@media(min-width:780px){
  #main-nav{display:flex!important;flex:1;align-items:center;justify-content:flex-end;gap:.15rem;min-width:0;margin-left:var(--space-sm)}
  #main-nav .nav-link{font-size:.84rem;padding:.5rem .6rem}
  #main-nav .nav-cta{margin-left:.35rem}
}
@media(min-width:900px){
  #main-nav .nav-link{font-size:.9rem;padding:.55rem .75rem}
}
@media(max-width:779px){
  #main-nav.is-open{display:flex!important;flex-direction:column;align-items:stretch;gap:.2rem}
  #main-nav.is-open .nav-cta{margin-top:var(--space-md);align-self:flex-start}
}