:root{
  --navy:#081d35;--navy2:#0f3157;--gold:#d8aa42;--gold2:#f3d487;
  --ink:#172033;--muted:#5f6b7c;--paper:#ffffff;--soft:#f5f8fc;--line:#dce4ee;
  --success:#1f7a4d;--shadow:0 16px 40px rgba(8,29,53,.12);--radius:18px;
}
*{box-sizing:border-box} html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);line-height:1.62}
a{color:inherit} img{max-width:100%;display:block}
.container{width:min(1160px,92%);margin-inline:auto}
.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:12px;z-index:1000;background:#fff;padding:10px 14px;border-radius:8px}
.topbar{background:#06172a;color:#e7edf5;font-size:.92rem}.topbar .container{display:flex;justify-content:space-between;gap:18px;padding:8px 0;flex-wrap:wrap}
.topbar a{text-decoration:none;color:#fff}
header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:18px;min-height:82px}
.logo{display:flex;align-items:center;text-decoration:none}.logo img{width:260px;height:auto}
.menu{display:flex;align-items:center;gap:8px}.menu a{text-decoration:none;font-weight:650;padding:10px 11px;border-radius:10px;color:#26364c}
.menu a:hover,.menu a.active{background:#eef4fa;color:var(--navy)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:999px;padding:13px 20px;text-decoration:none;font-weight:800;cursor:pointer;transition:.2s}
.btn-primary{background:linear-gradient(135deg,var(--gold),var(--gold2));color:#07182b;box-shadow:0 8px 24px rgba(216,170,66,.28)}
.btn-primary:hover{transform:translateY(-1px)}
.btn-secondary{background:var(--navy);color:white}.btn-light{background:white;color:var(--navy);border:1px solid var(--line)}
.mobile-toggle{display:none;background:none;border:0;font-size:1.6rem}
.hero{background:radial-gradient(circle at 80% 20%,rgba(216,170,66,.18),transparent 32%),linear-gradient(135deg,#07192d,#0d335d);color:white;overflow:hidden}
.hero .container{display:grid;grid-template-columns:1.15fr .85fr;gap:46px;align-items:center;padding:76px 0}
.eyebrow{display:inline-flex;align-items:center;gap:8px;text-transform:uppercase;letter-spacing:.12em;font-weight:800;font-size:.78rem;color:var(--gold2)}
.hero h1{font-size:clamp(2.5rem,5vw,4.75rem);line-height:1.02;margin:.35em 0 .28em;letter-spacing:-.045em}
.hero p{font-size:1.16rem;color:#d7e0ea;max-width:720px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.hero-card{background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.18);border-radius:26px;padding:28px;box-shadow:var(--shadow)}
.hero-card h3{margin-top:0}.checklist{list-style:none;padding:0;margin:18px 0 0}.checklist li{display:flex;gap:10px;margin:12px 0}.checklist li:before{content:"✓";color:var(--gold2);font-weight:900}
.trust-strip{border-bottom:1px solid var(--line);background:#fff}.trust-strip .container{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;padding:22px 0}.trust{font-weight:750;color:#33445a;text-align:center}
section{padding:72px 0}.section-head{max-width:760px;margin-bottom:34px}.section-head h2{font-size:clamp(2rem,3vw,3rem);line-height:1.1;margin:.2em 0}.section-head p{color:var(--muted);font-size:1.08rem}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:26px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 10px 30px rgba(8,29,53,.06)}
.card h3{margin-top:0;color:var(--navy)}.card p{color:var(--muted)}.card .link{font-weight:800;color:var(--navy);text-decoration:none}
.icon{width:48px;height:48px;border-radius:14px;background:#eef4fa;display:grid;place-items:center;font-size:1.35rem;margin-bottom:16px}
.soft{background:var(--soft)}.band{background:var(--navy);color:white}.band p{color:#dce6f0}
.steps{counter-reset:step}.step{position:relative;padding-left:68px}.step:before{counter-increment:step;content:counter(step);position:absolute;left:0;top:0;width:44px;height:44px;border-radius:50%;display:grid;place-items:center;background:var(--gold);color:var(--navy);font-weight:900}
.quote{font-size:1.25rem;color:#24344a;border-left:5px solid var(--gold);padding-left:22px}
.page-hero{background:linear-gradient(135deg,#07192d,#0f3c6c);color:white;padding:70px 0}.page-hero h1{font-size:clamp(2.4rem,4vw,4rem);margin:.2em 0}.page-hero p{max-width:760px;color:#d9e3ee;font-size:1.15rem}
.content{max-width:850px}.content h2{margin-top:2em;color:var(--navy)}.content h3{color:var(--navy)}.content ul{padding-left:1.2rem}.notice{background:#fff7e3;border:1px solid #ecd7a0;border-radius:14px;padding:18px}
.faq details{border:1px solid var(--line);border-radius:14px;padding:18px 20px;background:#fff;margin:12px 0}.faq summary{font-weight:800;cursor:pointer;color:var(--navy)}
.form-wrap{display:grid;grid-template-columns:.85fr 1.15fr;gap:30px}.contact-panel{background:var(--navy);color:#fff;border-radius:22px;padding:30px}.contact-panel a{color:#fff}
form{display:grid;gap:16px}.field{display:grid;gap:6px}label{font-weight:750}input,select,textarea{width:100%;border:1px solid #bdc9d7;border-radius:11px;padding:13px 14px;font:inherit;background:white}textarea{min-height:140px;resize:vertical}
.checkbox{display:flex;gap:10px;align-items:flex-start}.checkbox input{width:auto;margin-top:5px}.status{display:none;padding:12px;border-radius:10px}.status.show{display:block}.status.ok{background:#eaf7f0;color:#155c3a}.status.err{background:#fff0f0;color:#8a2323}
footer{background:#06172a;color:#d6e0eb;padding:52px 0 24px}footer .grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px}footer a{color:#fff;text-decoration:none}footer small{color:#9fb0c3}.footer-bottom{border-top:1px solid rgba(255,255,255,.13);margin-top:30px;padding-top:20px}
.badge{display:inline-block;background:#e9f2fb;color:#17375a;padding:6px 10px;border-radius:999px;font-weight:800;font-size:.82rem}
.carriers{display:flex;flex-wrap:wrap;gap:10px}.carrier{border:1px solid var(--line);padding:10px 14px;border-radius:999px;background:#fff;font-weight:700;color:#31445c}
@media(max-width:960px){
 .menu{display:none;position:absolute;left:4%;right:4%;top:78px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:12px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}.menu.open{display:flex}.mobile-toggle{display:block}.menu .btn{width:100%}
 .hero .container,.grid-3,.grid-2,.form-wrap,footer .grid{grid-template-columns:1fr}.hero .container{padding:56px 0}.hero-card{max-width:650px}.trust-strip .container{grid-template-columns:repeat(2,1fr)}
 .logo img{width:215px}
}
@media(max-width:580px){section{padding:54px 0}.trust-strip .container{grid-template-columns:1fr}.topbar .container{justify-content:center}.hero h1{font-size:2.55rem}.actions .btn{width:100%}}

/* v2.1 visual refinements */
.logo img{width:280px;max-height:86px;object-fit:contain}
.hero{position:relative}
.hero:after{content:"";position:absolute;inset:auto -8% -35% auto;width:480px;height:480px;border-radius:50%;background:radial-gradient(circle,rgba(216,170,66,.18),transparent 68%);pointer-events:none}
.card{transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}
.card:hover{transform:translateY(-3px);box-shadow:0 18px 42px rgba(8,29,53,.11);border-color:#cbd8e7}
.page-hero{position:relative;overflow:hidden}
.page-hero:after{content:"";position:absolute;right:-130px;top:-180px;width:430px;height:430px;border-radius:50%;background:radial-gradient(circle,rgba(216,170,66,.16),transparent 70%)}
.page-hero .container{position:relative;z-index:1}
.hero-card{backdrop-filter:blur(8px)}
@media(max-width:960px){.logo img{width:225px}}

/* V2.2 premium design upgrade */
.hero-premium .container{grid-template-columns:1.08fr .92fr;min-height:650px}
.hero-copy{position:relative;z-index:2}.hero-lead{font-size:1.22rem!important;max-width:690px!important}
.btn-large{padding:16px 24px;font-size:1rem}
.hero-proof{display:flex;flex-wrap:wrap;gap:18px;margin-top:23px;color:#d9e5ef;font-weight:700;font-size:.93rem}
.hero-visual{position:relative;z-index:2}
.compass-card{position:relative;background:linear-gradient(145deg,rgba(255,255,255,.14),rgba(255,255,255,.06));border:1px solid rgba(255,255,255,.22);border-radius:30px;padding:34px;box-shadow:0 30px 70px rgba(0,0,0,.22);overflow:hidden}
.compass-card:after{content:"";position:absolute;right:-45px;bottom:-70px;width:180px;height:180px;border:1px solid rgba(244,210,127,.25);border-radius:50%}
.compass-ring{width:106px;height:106px;border:2px solid rgba(244,210,127,.85);border-radius:50%;display:grid;place-items:center;margin-bottom:22px;position:relative}
.compass-ring:before,.compass-ring:after{content:"";position:absolute;background:rgba(244,210,127,.6)}
.compass-ring:before{width:1px;height:128px}.compass-ring:after{height:1px;width:128px}
.compass-core{width:70px;height:70px;border-radius:50%;display:grid;place-items:center;background:linear-gradient(135deg,var(--gold),var(--gold2));color:var(--navy);font-size:1.5rem;font-weight:950;z-index:2;box-shadow:0 10px 30px rgba(216,170,66,.28)}
.text-link-light{display:inline-block;margin-top:18px;color:#fff;font-weight:850;text-decoration:none}
.advisor-section{padding-top:28px}.advisor-card{display:grid;grid-template-columns:180px 1fr;gap:34px;align-items:center;background:linear-gradient(135deg,#f7f9fc,#eef4fa);border:1px solid var(--line);border-radius:28px;padding:34px;box-shadow:var(--shadow)}
.advisor-mark{width:160px;height:160px;border-radius:50%;display:grid;place-items:center;background:linear-gradient(135deg,var(--navy),var(--navy2));color:var(--gold2);font-size:3.2rem;font-weight:950;border:8px solid #fff;box-shadow:0 16px 34px rgba(8,29,53,.2)}
.advisor-card h2{margin:.25em 0;font-size:clamp(1.8rem,3vw,2.65rem);line-height:1.1;color:var(--navy)}
.advisor-details{display:flex;flex-wrap:wrap;gap:9px;margin:20px 0}.advisor-details span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 12px;font-size:.86rem;font-weight:800;color:#33465d}
.schedule-layout{display:grid;grid-template-columns:.72fr 1.28fr;gap:30px;align-items:start}.schedule-intro{position:sticky;top:110px}
.calendar-shell{background:#fff;border:1px solid var(--line);border-radius:22px;overflow:hidden;box-shadow:var(--shadow)}
.calendar-top{padding:18px 20px;background:var(--navy);color:#fff;display:flex;justify-content:space-between;gap:15px;flex-wrap:wrap}.calendar-top span{color:#cbd9e7;font-size:.88rem}
.calendar-shell iframe{display:block;width:100%;min-height:800px;border:0;background:#fff}.calendar-fallback{padding:0 20px 20px;text-align:center}
.dark-checks li{color:var(--ink)}.dark-checks li:before{color:var(--success)}
@media(max-width:960px){.hero-premium .container,.advisor-card,.schedule-layout{grid-template-columns:1fr}.hero-premium .container{min-height:auto}.advisor-mark{width:125px;height:125px;font-size:2.5rem}.schedule-intro{position:static}.calendar-shell iframe{min-height:720px}}
@media(max-width:580px){.hero-proof{display:grid;gap:8px}.compass-card{padding:24px}.advisor-card{padding:24px}.calendar-shell iframe{min-height:680px}}

/* V2.3 Frank photo integration */
.frank-hero-wrap{display:flex;align-items:center;justify-content:center}
.frank-hero-card{position:relative;width:min(100%,520px);border-radius:30px;overflow:hidden;border:1px solid rgba(255,255,255,.22);box-shadow:0 30px 70px rgba(0,0,0,.28);background:#0c2a4c}
.frank-hero-card img{width:100%;aspect-ratio:1/1;object-fit:cover;object-position:center 28%}
.frank-hero-card:after{content:"";position:absolute;inset:0;background:linear-gradient(to top,rgba(5,19,35,.9),transparent 56%);pointer-events:none}
.frank-hero-caption{position:absolute;left:24px;right:24px;bottom:22px;z-index:2;color:#fff;display:grid;gap:10px}
.frank-hero-caption strong{font-size:1.15rem;line-height:1.35}
.advisor-photo{width:160px;height:160px;border-radius:50%;object-fit:cover;object-position:center 28%;border:8px solid #fff;box-shadow:0 16px 34px rgba(8,29,53,.2)}
.about-feature{display:grid;grid-template-columns:.8fr 1.2fr 1fr;gap:28px;align-items:start}
.about-photo-wrap{border-radius:24px;overflow:hidden;box-shadow:var(--shadow);border:1px solid var(--line)}
.about-photo-wrap img{width:100%;aspect-ratio:4/5;object-fit:cover;object-position:center 20%}
.about-promise{padding:10px 0}
.frank-quote{margin:24px 0;padding:18px 20px;border-left:5px solid var(--gold);background:#f7f9fc;border-radius:0 14px 14px 0;font-size:1.08rem;color:#2a3c52}
.contact-photo{width:118px;height:118px;object-fit:cover;object-position:center 25%;border-radius:50%;border:5px solid rgba(255,255,255,.85);margin-bottom:18px}
@media(max-width:960px){
  .about-feature{grid-template-columns:1fr 1fr}.about-promise{grid-column:1/-1}
  .advisor-photo{width:125px;height:125px}
}
@media(max-width:680px){
  .about-feature{grid-template-columns:1fr}
  .about-promise{grid-column:auto}
  .frank-hero-card{max-width:420px}
}

/* V2.4 polish */
.trust-premium{padding:0;background:#fff;border-bottom:1px solid var(--line)}
.trust-premium-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
.trust-premium-grid>div{padding:24px 18px;border-right:1px solid var(--line);display:grid;gap:4px}
.trust-premium-grid>div:last-child{border-right:0}
.trust-premium strong{color:var(--navy);font-size:1.02rem}.trust-premium span{color:var(--muted);font-size:.88rem}
.frank-hero-card img{filter:saturate(.96) contrast(1.02)}
.frank-hero-caption{background:rgba(5,19,35,.72);left:18px;right:18px;bottom:18px;padding:16px;border-radius:16px;backdrop-filter:blur(8px)}
.carrier-section{background:linear-gradient(180deg,#fff,#f7f9fc)}
.carrier-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.carrier-grid span{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 18px;font-weight:800;color:#2b3d54;box-shadow:0 8px 20px rgba(8,29,53,.05)}
.carrier-note{margin-top:18px;color:var(--muted);font-size:.88rem}
.contact-kicker{display:inline-block;color:var(--gold2);text-transform:uppercase;letter-spacing:.1em;font-weight:850;font-size:.78rem;margin-bottom:8px}
.form-intro{margin-top:-8px;color:var(--muted)}
.resource-guides{margin-bottom:58px}.faq-heading{margin-top:20px}
.guide-topbar{background:#fff;border-bottom:1px solid var(--line);padding:12px 0;position:sticky;top:0;z-index:20}
.guide-topbar .container{display:flex;align-items:center;justify-content:space-between;gap:20px}.guide-topbar a{font-weight:800;text-decoration:none;color:var(--navy)}
.guide-layout{max-width:880px}.guide-section{padding:22px 0;border-bottom:1px solid var(--line)}.guide-section h2{color:var(--navy);margin-top:0}.guide-section li{margin:9px 0}
.guide-hero{padding:54px 0}
@media(max-width:960px){.trust-premium-grid{grid-template-columns:repeat(2,1fr)}.trust-premium-grid>div:nth-child(2){border-right:0}.carrier-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:580px){.trust-premium-grid,.carrier-grid{grid-template-columns:1fr}.trust-premium-grid>div{border-right:0;border-bottom:1px solid var(--line)}.guide-topbar .container{align-items:flex-start}.print-button{padding:10px 14px}}
@media print{
 header,.topbar,footer,.guide-topbar,.print-button{display:none!important}
 .page-hero{background:#fff!important;color:#000!important;padding:20px 0!important}
 .page-hero p,.eyebrow{color:#000!important}
 section{padding:20px 0!important}
 .notice{break-inside:avoid}
}

/* V2.5 About Frank and philosophy update */
.about-story-card h2{margin:.45em 0 .5em}
.about-story-card p{color:var(--muted)}
.philosophy-preview{padding:30px 0 10px}
.philosophy-preview-card{display:flex;align-items:center;justify-content:space-between;gap:28px;background:linear-gradient(135deg,#fff8e8,#f7f9fc);border:1px solid #ead7a6;border-radius:24px;padding:30px;box-shadow:0 14px 34px rgba(8,29,53,.08)}
.philosophy-preview-card h2{margin:.2em 0;color:var(--navy);font-size:clamp(1.8rem,3vw,2.6rem)}
.philosophy-preview-card p{max-width:760px;color:var(--muted);margin-bottom:0}
.philosophy-band{padding:40px 0 76px}
.philosophy-card{background:linear-gradient(135deg,#07192d,#0f3c6c);color:#fff;border-radius:28px;padding:36px;display:flex;justify-content:space-between;gap:30px;align-items:center;box-shadow:var(--shadow)}
.philosophy-card h2{font-size:clamp(2rem,3vw,3rem);margin:.25em 0}
.philosophy-card p{color:#d7e2ec;max-width:760px}
@media(max-width:960px){
  .philosophy-preview-card,.philosophy-card{flex-direction:column;align-items:flex-start}
}

/* V3.0 launch core */
.v3-hero{background:radial-gradient(circle at 84% 15%,rgba(216,170,66,.23),transparent 30%),linear-gradient(135deg,#06182c,#0c3b68);color:#fff;padding:82px 0}
.v3-hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:52px;align-items:center}
.v3-hero h1{font-size:clamp(3rem,6vw,5.8rem);line-height:.98;letter-spacing:-.055em;margin:.25em 0}
.v3-lead{font-size:1.23rem;color:#d9e4ee;max-width:720px}.v3-proof{display:flex;flex-wrap:wrap;gap:10px;margin-top:25px}
.v3-proof span{border:1px solid rgba(255,255,255,.23);padding:8px 12px;border-radius:999px;font-weight:750;font-size:.86rem}
.v3-photo-card{position:relative;background:#fff;border-radius:30px;overflow:hidden;box-shadow:0 35px 80px rgba(0,0,0,.32)}
.v3-photo-card img{width:100%;aspect-ratio:4/5;object-fit:cover;object-position:center 20%}
.v3-photo-caption{position:absolute;left:18px;right:18px;bottom:18px;background:rgba(6,24,44,.82);backdrop-filter:blur(10px);border-radius:16px;padding:16px;display:grid;color:#fff}
.v3-photo-caption strong{font-size:1.15rem}.v3-photo-caption span{font-size:.85rem;color:#d9e3ec}
.v3-promise{padding:32px 0}.promise-card{background:linear-gradient(135deg,#fff8e8,#f7f9fc);border:1px solid #ead7a6;border-radius:26px;padding:34px;box-shadow:var(--shadow)}
.promise-card h2{font-size:clamp(2rem,3vw,3rem);color:var(--navy);margin:.25em 0}.text-link{font-weight:850;color:var(--navy);text-decoration:none}
.journey-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.journey-card{display:block;text-decoration:none;background:#fff;border:1px solid var(--line);border-radius:20px;padding:24px;box-shadow:0 10px 28px rgba(8,29,53,.06);transition:.18s}
.journey-card:hover{transform:translateY(-3px);box-shadow:0 18px 40px rgba(8,29,53,.12)}.journey-card span{font-size:2rem}.journey-card h3{color:var(--navy);margin:.45em 0}.journey-card p{color:var(--muted);margin-bottom:0}
.conversation-band{padding:40px 0 76px}.conversation-card{background:linear-gradient(135deg,#07192d,#0f3c6c);color:#fff;border-radius:28px;padding:36px;display:flex;justify-content:space-between;gap:28px;align-items:center}.conversation-card h2{font-size:clamp(1.9rem,3vw,2.8rem);max-width:790px}
.start-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}.start-grid a{text-decoration:none;border:1px solid var(--line);border-radius:20px;padding:26px;background:#fff;box-shadow:0 10px 28px rgba(8,29,53,.06)}.start-grid span{font-size:2rem}.start-grid h2{color:var(--navy);margin:.35em 0}.start-grid p{color:var(--muted)}
.learning-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.learning-card{display:block;text-decoration:none;background:#fff;border:1px solid var(--line);border-radius:20px;padding:24px}.learning-card span{font-size:2rem}.learning-card h2{color:var(--navy);font-size:1.35rem}.learning-card p{color:var(--muted)}
.learning-section{margin-top:60px}.support-intro{max-width:850px;margin-bottom:32px}.support-callout{margin-top:35px;background:linear-gradient(135deg,#f7f9fc,#eef4fa);border:1px solid var(--line);border-radius:22px;padding:30px}
@media(max-width:960px){.v3-hero-grid,.journey-grid,.learning-grid{grid-template-columns:1fr 1fr}.conversation-card{flex-direction:column;align-items:flex-start}}
@media(max-width:680px){.v3-hero-grid,.journey-grid,.start-grid,.learning-grid{grid-template-columns:1fr}.v3-hero{padding:58px 0}.v3-hero h1{font-size:3.15rem}}


/* Version 3.1: high-contrast navy/gold theme and older-user readability */
html{font-size:18px}
body{background:#06172a;color:#f7f9fc;line-height:1.72}
header{background:rgba(6,23,42,.97);border-bottom-color:rgba(243,212,135,.28)}
.menu a{color:#f7f9fc}.menu a:hover,.menu a.active{background:rgba(216,170,66,.18);color:var(--gold2)}
.mobile-toggle{color:var(--gold2)}
main>section:not(.hero):not(.page-hero):not(.v3-hero):not(.trust-premium){background:#081d35;color:#f7f9fc}
main>section:nth-of-type(even):not(.hero):not(.page-hero):not(.v3-hero):not(.trust-premium){background:#0b2949}
main>section .section-head h2,main>section .content h2,main>section .content h3,main>section>div>h2{color:var(--gold2)}
main>section .section-head p,main>section .content p,main>section .content li,main>section .support-intro,main>section .form-intro{color:#e6edf5}
.soft,.carrier-section,.advisor-section,.philosophy-preview,.v3-promise,.learning-section{background:#0b2949!important}
.trust-premium{background:#07192d;color:#fff;border-color:rgba(255,255,255,.14)}
.trust-premium strong{color:var(--gold2)}.trust-premium span{color:#d9e3ec}.trust-premium-grid>div{border-color:rgba(255,255,255,.14)}
.card,.journey-card,.start-grid a,.learning-card,.promise-card,.advisor-card,.support-callout,.faq details,.calendar-shell{background:#fff;color:var(--ink)}
.card p,.journey-card p,.start-grid p,.learning-card p,.promise-card p,.advisor-card p,.support-callout p{color:#4a596d}
.card h2,.card h3,.journey-card h3,.start-grid h2,.learning-card h2,.promise-card h2,.advisor-card h2,.support-callout h2{color:var(--navy)}
.carrier-grid span,.carrier{background:var(--gold);color:#07182b;border-color:var(--gold2)}
.btn{min-height:52px;font-size:1.03rem;padding:15px 23px}
p,li,input,select,textarea,button{font-size:1rem}
h1{line-height:1.08}h2{line-height:1.18}h3{line-height:1.25}
.page-hero p,.hero p,.v3-lead{font-size:1.2rem}
.content{font-size:1.04rem}
.notice{background:#fff3cf;color:#18243a;border-color:var(--gold)}
.notice p,.notice li{color:#18243a!important}
.form-wrap>form{background:#fff;color:var(--ink);padding:28px;border-radius:22px}
.form-wrap>form p{color:#4a596d}
.calendar-direct-body{padding:42px;text-align:center}.calendar-direct-body h2{color:var(--navy)}.calendar-direct-body p{color:#4a596d;max-width:680px;margin:0 auto 24px}.calendar-help{margin-top:22px!important}.calendar-help a{font-weight:800;color:var(--navy)}
@media(max-width:960px){
 .menu{position:fixed;inset:0;background:#06172a;border:0;border-radius:0;padding:92px 7vw 30px;overflow-y:auto;z-index:99}.menu a{font-size:1.15rem;padding:15px 14px;border-bottom:1px solid rgba(255,255,255,.12)}.menu .btn{margin-top:12px;border-bottom:0}.mobile-toggle{position:relative;z-index:101;font-size:2rem}
}
@media(max-width:680px){html{font-size:18px}.container{width:min(94%,1160px)}.v3-hero h1,.hero h1{font-size:2.7rem}.page-hero h1{font-size:2.45rem}.section-head h2{font-size:2.15rem}.card,.journey-card,.start-grid a,.learning-card{padding:25px}.calendar-direct-body{padding:30px 20px}}


/* Corrected Version 3.1 homepage: unified dark navy, gold, and white */
.home-v31{background:#06172a;color:#fff}
.home-v31 main{background:#06172a}
.home-v31 main>section,
.home-v31 main>section.soft,
.home-v31 main>section.v3-promise,
.home-v31 main>section.conversation-band{
  background:#081d35!important;
  color:#fff;
  border-top:1px solid rgba(243,212,135,.16);
}
.home-v31 main>section:nth-of-type(even),
.home-v31 main>section.soft{
  background:#0b2949!important;
}
.home-v31 .v3-hero{
  background:radial-gradient(circle at 84% 15%,rgba(216,170,66,.24),transparent 30%),linear-gradient(135deg,#06172a,#0b3158)!important;
}
.home-v31 .section-head h2,
.home-v31 .promise-card h2,
.home-v31 .journey-card h3,
.home-v31 .card h3,
.home-v31 .conversation-card h2{
  color:var(--gold2)!important;
}
.home-v31 .section-head p,
.home-v31 .promise-card p,
.home-v31 .journey-card p,
.home-v31 .card p{
  color:#f2f6fa!important;
}
.home-v31 .eyebrow,
.home-v31 .text-link{
  color:var(--gold2)!important;
}
.home-v31 .promise-card,
.home-v31 .journey-card,
.home-v31 .card{
  background:#0a223d!important;
  color:#fff!important;
  border:2px solid rgba(216,170,66,.72)!important;
  box-shadow:0 14px 34px rgba(0,0,0,.24)!important;
}
.home-v31 .promise-card:hover,
.home-v31 .journey-card:hover,
.home-v31 .card:hover{
  border-color:var(--gold2)!important;
  box-shadow:0 18px 42px rgba(0,0,0,.34)!important;
}
.home-v31 .icon{
  background:var(--gold)!important;
  color:#07182b!important;
  border:1px solid var(--gold2);
}
.home-v31 .journey-card>span{
  display:grid;
  place-items:center;
  width:58px;
  height:58px;
  border-radius:16px;
  background:var(--gold);
  color:#07182b;
  border:1px solid var(--gold2);
}
.home-v31 .conversation-card{
  background:linear-gradient(135deg,#07192d,#0f3c6c)!important;
  border:2px solid rgba(216,170,66,.72);
}
.home-v31 .btn-primary{
  background:linear-gradient(135deg,var(--gold),var(--gold2));
  color:#07182b;
  border:1px solid var(--gold2);
}
.home-v31 .btn-light{
  background:#fff;
  color:#07182b;
  border:2px solid var(--gold2);
}
.home-v31 footer{border-top:2px solid rgba(216,170,66,.72)}
@media(max-width:680px){
  .home-v31 .journey-card,.home-v31 .card,.home-v31 .promise-card{padding:26px}
  .home-v31 .v3-hero{padding:54px 0}
}


/* Version 3.2: final navy/gold polish with softer senior-friendly cards */
:root{--cream-card:#f3ead4;--blue-card:#dbe7f2;--card-ink:#10233a}
.home-v31 .promise-card,
.home-v31 .journey-card,
.home-v31 .card{
  background:linear-gradient(145deg,var(--blue-card),#eef4f8)!important;
  color:var(--card-ink)!important;
  border:3px solid var(--gold)!important;
}
.home-v31 .promise-card h2,
.home-v31 .journey-card h3,
.home-v31 .card h3{
  color:#071d35!important;
  font-weight:900!important;
  letter-spacing:-.015em;
}
.home-v31 .promise-card p,
.home-v31 .journey-card p,
.home-v31 .card p{
  color:#263b52!important;
  font-size:1.08rem!important;
  line-height:1.72!important;
}
.home-v31 .promise-card{background:linear-gradient(145deg,var(--cream-card),#fff7e6)!important}
.home-v31 .journey-card:nth-child(even){background:linear-gradient(145deg,var(--cream-card),#fff7e6)!important}
.home-v31 main>section{min-height:auto}

.medicare-options-v32 main>section:not(.page-hero){background:#081d35;color:#fff}
.medicare-option-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;margin-bottom:54px}
.medicare-option-card{
  background:linear-gradient(145deg,var(--blue-card),#eef4f8)!important;
  border:3px solid var(--gold)!important;
  color:var(--card-ink)!important;
  padding:30px!important;
}
.medicare-option-card:nth-child(even){background:linear-gradient(145deg,var(--cream-card),#fff7e6)!important}
.medicare-option-card h3{color:#071d35!important;font-size:1.55rem!important;font-weight:950!important}
.medicare-option-card p{color:#263b52!important;font-size:1.08rem!important;line-height:1.72!important}
.medicare-option-card .icon{width:62px;height:62px;background:var(--gold)!important;color:#07182b!important;font-weight:950;border:2px solid var(--gold2)}
.medicare-options-v32 .content h2{color:var(--gold2)!important}
.medicare-options-v32 .content p,.medicare-options-v32 .content li{color:#eef4f9!important;font-size:1.06rem}
.comparison-v32{margin:20px 0 58px}.comparison-v32 .section-head h2{color:var(--gold2)!important}
.comparison-v32 .section-head p{color:#eef4f9!important}
.comparison-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.comparison-card{background:#0b2949;border:2px solid var(--gold);border-radius:20px;padding:26px;box-shadow:0 14px 34px rgba(0,0,0,.22)}
.comparison-card h3{color:var(--gold2);font-size:1.45rem;font-weight:950;margin-top:0}
.comparison-card p{color:#f3f7fb;font-size:1.02rem;line-height:1.7}.comparison-card strong{color:var(--gold2)}
@media(max-width:760px){
 .medicare-option-grid,.comparison-grid{grid-template-columns:1fr}
 .home-v31 .promise-card,.home-v31 .journey-card,.home-v31 .card,.medicare-option-card{padding:27px!important}
 .home-v31 .journey-card h3,.home-v31 .card h3,.medicare-option-card h3{font-size:1.5rem!important}
 .home-v31 .journey-card p,.home-v31 .card p,.medicare-option-card p{font-size:1.1rem!important}
}

/* Version 3.2 corrected: solid, readable mobile navigation */
@media(max-width:960px){
  .menu{
    display:none;
    position:fixed;
    inset:0;
    width:100vw;
    height:100dvh;
    min-height:100vh;
    background:#06172a!important;
    background-color:#06172a!important;
    opacity:1!important;
    backdrop-filter:none!important;
    -webkit-backdrop-filter:none!important;
    border:0!important;
    border-radius:0!important;
    padding:100px 7vw 36px!important;
    overflow-y:auto;
    z-index:1000!important;
    box-shadow:none!important;
  }
  .menu.open{display:flex!important}
  .menu a{color:#fff!important;font-weight:800;border-bottom:1px solid rgba(243,212,135,.28)!important}
  .menu a:hover,.menu a.active{background:rgba(216,170,66,.18)!important;color:var(--gold2)!important}
  .menu .btn{background:linear-gradient(135deg,var(--gold),var(--gold2))!important;color:#07182b!important;border:2px solid var(--gold2)!important}
  .mobile-toggle{z-index:1001!important;color:var(--gold2)!important}
  body.menu-open{overflow:hidden!important;touch-action:none}
}


/* Version 3.3: Learning Center dark blue-gray cards and Social Security FAQ */
.learning-center-page .learning-card{
  background:linear-gradient(145deg,#203b55,#182f47)!important;
  color:#fff!important;
  border:1px solid rgba(216,170,66,.78)!important;
  box-shadow:0 14px 34px rgba(0,0,0,.18);
  padding:28px!important;
}
.learning-center-page .learning-card:hover,
.learning-center-page .learning-card:focus-visible{
  background:linear-gradient(145deg,#294966,#203a54)!important;
  border-color:var(--gold2)!important;
  transform:translateY(-2px);
}
.learning-center-page .learning-card span{
  color:var(--gold2);
}
.learning-center-page .learning-card h2{
  color:var(--gold2)!important;
  font-size:clamp(1.45rem,2.2vw,1.75rem)!important;
  font-weight:900!important;
  line-height:1.2;
  margin:.45em 0 .35em;
}
.learning-center-page .learning-card p{
  color:#f2f6fa!important;
  font-size:1.08rem!important;
  line-height:1.65;
}
.learning-center-page #social-security .faq details{
  background:#1d374f!important;
  color:#fff!important;
  border:1px solid rgba(216,170,66,.72)!important;
  border-radius:16px;
  padding:21px 23px;
  margin:15px 0;
  box-shadow:0 10px 24px rgba(0,0,0,.15);
}
.learning-center-page #social-security .faq details[open]{
  background:#294963!important;
  border-color:var(--gold2)!important;
}
.learning-center-page #social-security .faq summary{
  color:var(--gold2)!important;
  font-size:1.15rem!important;
  font-weight:900!important;
  line-height:1.45;
  cursor:pointer;
}
.learning-center-page #social-security .faq summary::marker{
  color:var(--gold2);
}
.learning-center-page #social-security .faq details p{
  color:#f4f7fa!important;
  font-size:1.08rem!important;
  line-height:1.7;
  margin:16px 0 2px;
}
@media(max-width:680px){
  .learning-center-page .learning-card{padding:25px!important}
  .learning-center-page #social-security .faq details{padding:20px}
  .learning-center-page #social-security .faq summary{font-size:1.12rem!important}
}

/* Version 3.4: Welcome choices, education hub, and Turning 65 checklist */
.home-v31 #choose-your-path .journey-card{
  background:linear-gradient(145deg,#203b55,#182f47)!important;
  color:#fff!important;
  border:2px solid rgba(216,170,66,.82)!important;
  box-shadow:0 14px 34px rgba(0,0,0,.2)!important;
}
.home-v31 #choose-your-path .journey-card:hover,
.home-v31 #choose-your-path .journey-card:focus-visible{
  background:linear-gradient(145deg,#294966,#203a54)!important;
  border-color:var(--gold2)!important;
}
.home-v31 #choose-your-path .journey-card h3{color:var(--gold2)!important;font-weight:950!important}
.home-v31 #choose-your-path .journey-card p{color:#f2f6fa!important;font-size:1.08rem!important;line-height:1.68!important}
.home-v31 #choose-your-path .journey-card>span{background:transparent!important;color:var(--gold2)!important;border:1px solid var(--gold)!important}

.learning-center-page .education-hub-section{background:#081d35;color:#fff}
.learning-center-page .education-hub-section .section-head h2,
.learning-center-page .learning-section h2{color:var(--gold2)!important}
.learning-center-page .education-hub-section .section-head p{color:#eef4f9!important}
.education-hub-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:34px 0 58px}
.education-topic-card{
  display:flex;flex-direction:column;min-height:100%;
  background:linear-gradient(145deg,#203b55,#182f47);
  border:2px solid rgba(216,170,66,.8);border-radius:20px;padding:28px;
  box-shadow:0 14px 34px rgba(0,0,0,.2)
}
.education-topic-card:hover{background:linear-gradient(145deg,#294966,#203a54);border-color:var(--gold2)}
.education-topic-card .topic-icon{font-size:1.7rem;color:var(--gold2)}
.education-topic-card h2{color:var(--gold2)!important;font-size:1.55rem!important;font-weight:950!important;margin:.55em 0 .35em}
.education-topic-card p{color:#f2f6fa!important;font-size:1.08rem!important;line-height:1.68;margin-top:0}
.education-topic-card .text-link{color:var(--gold2)!important;font-weight:900;margin-bottom:20px;text-decoration:none}
.video-placeholder{margin-top:auto;border:1px dashed rgba(243,212,135,.75);background:#112b43;border-radius:14px;padding:18px;color:#fff;display:grid;gap:3px}
.video-placeholder strong{color:var(--gold2)}.video-placeholder span{color:#dce7f1;font-size:.96rem}
.learning-center-page .learning-section{margin:54px 0}
.education-mini-card{background:#1d374f;border:1px solid rgba(216,170,66,.72);border-radius:18px;padding:24px;color:#fff}
.education-mini-card h3{color:var(--gold2);font-size:1.35rem;font-weight:950}.education-mini-card p{color:#f2f6fa;font-size:1.06rem}

.turning-65-page main>section:not(.page-hero){background:#081d35;color:#fff}
.turning-65-page .content>h2{color:var(--gold2)!important}
.turning-65-page .content>p,.turning-65-page .content>ul,.turning-65-page .content li{color:#f2f6fa!important;font-size:1.07rem}
.turning-65-page .grid-2 .card{
  background:linear-gradient(145deg,#203b55,#182f47)!important;
  border:2px solid rgba(216,170,66,.8)!important;color:#fff!important;
  box-shadow:0 14px 34px rgba(0,0,0,.2)!important
}
.turning-65-page .grid-2 .card h3{color:var(--gold2)!important;font-size:1.45rem!important;font-weight:950!important}
.turning-65-page .grid-2 .card p{color:#f2f6fa!important;font-size:1.08rem!important;line-height:1.68!important}
.turning-65-page .notice{background:#112b43!important;color:#fff!important;border:2px solid var(--gold)!important}
.turning-65-page .notice strong{color:var(--gold2)}

@media(max-width:960px){.education-hub-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:680px){
 .education-hub-grid{grid-template-columns:1fr;gap:18px}
 .education-topic-card{padding:25px}
 .home-v31 #choose-your-path .journey-card{padding:25px!important}
}

/* Version 3.5: Social Security Question Center — exactly three large topic cards */
.social-security-center{margin:58px 0}
.social-security-center .section-head{max-width:860px}
.social-security-center .section-head h2{color:var(--gold2)!important}
.social-security-center .section-head p{color:#eef4f9!important;font-size:1.1rem}
.social-security-topic-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.social-security-topic-card{
  display:flex;flex-direction:column;
  background:linear-gradient(145deg,#203b55,#182f47);
  border:2px solid rgba(216,170,66,.84);
  border-radius:20px;padding:30px;color:#fff;
  box-shadow:0 14px 34px rgba(0,0,0,.2)
}
.social-security-topic-card .topic-icon{font-size:1.8rem;color:var(--gold2)}
.social-security-topic-card h3{color:var(--gold2)!important;font-size:1.55rem!important;font-weight:950!important;line-height:1.25;margin:.55em 0 .45em}
.social-security-topic-card>p{color:#f2f6fa!important;font-size:1.1rem!important;line-height:1.7;margin:0 0 22px}
.social-security-topic-card details{margin-top:auto;background:#112b43;border:1px solid rgba(216,170,66,.72);border-radius:14px;overflow:hidden}
.social-security-topic-card details[open]{background:#294963;border-color:var(--gold2)}
.social-security-topic-card summary{list-style:none;cursor:pointer;color:#07182b!important;background:linear-gradient(135deg,var(--gold),var(--gold2));font-size:1.08rem!important;font-weight:950!important;padding:15px 18px;text-align:center}
.social-security-topic-card summary::-webkit-details-marker{display:none}
.social-security-topic-card summary::after{content:" +";font-weight:950}
.social-security-topic-card details[open] summary::after{content:" −"}
.social-security-topic-card .topic-detail{padding:18px 20px 20px}
.social-security-topic-card .topic-detail p{color:#f5f8fb!important;font-size:1.06rem!important;line-height:1.72;margin:0 0 14px}
.social-security-topic-card .topic-detail p:last-child{margin-bottom:0}
.social-security-topic-card .topic-detail strong{color:var(--gold2)}
@media(max-width:960px){.social-security-topic-grid{grid-template-columns:1fr}}
@media(max-width:680px){.social-security-topic-card{padding:25px}.social-security-topic-card h3{font-size:1.45rem!important}.social-security-topic-card>p{font-size:1.08rem!important}}

/* Version 3.6: education architecture, three Medicare paths, and Social Security lessons */
.medicare-three-section,.social-security-page-section,.lesson-section{background:#081d35;color:#fff}
.medicare-three-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;margin-bottom:38px}
.medicare-detail-card,.social-security-link-card,.lesson-card{background:linear-gradient(145deg,#203b55,#182f47);border:2px solid rgba(216,170,66,.84);border-radius:20px;padding:30px;color:#fff;box-shadow:0 14px 34px rgba(0,0,0,.2)}
.medicare-detail-card h2,.social-security-link-card h2,.lesson-card h2{color:var(--gold2)!important;font-size:1.62rem;font-weight:950;line-height:1.2;margin:.55em 0 .65em}
.medicare-detail-card .icon{width:64px;height:64px;background:var(--gold);color:#07182b;font-weight:950;border:2px solid var(--gold2)}
.medicare-detail-card dl{margin:0}.medicare-detail-card dt{color:var(--gold2);font-size:1.14rem;font-weight:950;margin-top:18px}.medicare-detail-card dd{margin:5px 0 0;color:#f3f7fb;font-size:1.08rem;line-height:1.72}
.gbu{margin-top:24px;padding-top:18px;border-top:1px solid rgba(216,170,66,.55)}.gbu p{color:#f5f8fb;font-size:1.05rem;line-height:1.68}.gbu strong{color:var(--gold2)}
.social-security-landing-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}.social-security-link-card{display:flex;flex-direction:column}.social-security-link-card .topic-icon{font-size:2rem;color:var(--gold2)}.social-security-link-card p{color:#f3f7fb;font-size:1.1rem;line-height:1.72;flex:1}.social-security-link-card .btn{margin-top:16px}
.content-wide{max-width:1050px}.lesson-card{margin-bottom:24px}.lesson-card p,.lesson-card li{color:#f3f7fb;font-size:1.1rem;line-height:1.75}.lesson-card strong{color:var(--gold2)}
.amount-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}.amount-grid>div{background:#112b43;border:1px solid rgba(216,170,66,.72);border-radius:14px;padding:18px;display:grid;gap:5px}.amount-grid strong{font-size:1.25rem}.amount-grid span{color:#fff;font-size:1.03rem}
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}.table-card table{width:100%;border-collapse:collapse;min-width:760px}.table-card th,.table-card td{padding:15px;border:1px solid rgba(216,170,66,.45);text-align:right;color:#fff}.table-card th{background:#112b43;color:var(--gold2);font-weight:900}.table-card th:first-child,.table-card td:first-child{text-align:left;font-weight:900}
.annual-update-notice{background:#5b3b08;color:#fff;border:2px solid var(--gold2);border-radius:16px;padding:20px 22px;font-size:1.1rem;line-height:1.6;margin-bottom:24px}.annual-update-notice strong{color:var(--gold2)}
.social-security-detail-page .notice{background:#112b43;color:#fff;border:2px solid var(--gold)}.social-security-detail-page .notice strong{color:var(--gold2)}
@media(max-width:960px){.medicare-three-grid,.social-security-landing-grid{grid-template-columns:1fr}.amount-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.medicare-detail-card,.social-security-link-card,.lesson-card{padding:24px}.amount-grid{grid-template-columns:1fr}.medicare-detail-card h2,.social-security-link-card h2,.lesson-card h2{font-size:1.5rem}.medicare-detail-card dd,.social-security-link-card p,.lesson-card p,.lesson-card li{font-size:1.08rem}}


/* Version 3.7: high-contrast timeline guides and expanded client support */
.guide-page{background:#081d35;color:#fff}
.guide-page main>section:not(.page-hero){background:#081d35;color:#fff}
.guide-page .guide-topbar{background:#06172a;border-bottom:1px solid rgba(216,170,66,.5)}
.guide-page .guide-topbar a{color:var(--gold2);font-weight:850;text-decoration:none;font-size:1.04rem}
.guide-page .guide-layout{display:grid;gap:22px;max-width:980px}
.guide-page .guide-section{
  background:linear-gradient(145deg,#203b55,#182f47);
  border:2px solid rgba(216,170,66,.86);
  border-radius:20px;
  padding:30px;
  box-shadow:0 14px 34px rgba(0,0,0,.2);
}
.guide-page .guide-section h2{
  color:var(--gold2)!important;
  font-size:clamp(1.55rem,2.4vw,1.9rem)!important;
  font-weight:950!important;
  line-height:1.2;
  margin:0 0 16px;
}
.guide-page .guide-section ul{margin:0;padding-left:1.35rem}
.guide-page .guide-section li{
  color:#fff!important;
  font-size:1.14rem!important;
  line-height:1.78!important;
  margin:9px 0;
  padding-left:4px;
}
.guide-page .guide-section li::marker{color:var(--gold2)}
.guide-page .notice{
  background:#112b43!important;
  color:#fff!important;
  border:2px solid var(--gold)!important;
  border-radius:18px;
  padding:24px;
  font-size:1.12rem;
  line-height:1.7;
}
.guide-page .notice strong,.guide-page .notice a{color:var(--gold2)!important}

.client-support-page{background:#081d35;color:#fff}
.client-support-page main,.client-support-section{background:#081d35;color:#fff}
.client-support-page .support-intro{max-width:900px;margin-bottom:34px}
.client-support-page .support-intro h2{color:var(--gold2);font-size:clamp(1.8rem,3vw,2.5rem);font-weight:950}
.client-support-page .support-intro p{color:#f3f7fb;font-size:1.15rem;line-height:1.75}
.support-card-grid{display:grid;grid-template-columns:1fr;gap:26px}
.support-card{
  background:linear-gradient(145deg,#203b55,#182f47);
  border:2px solid rgba(216,170,66,.86);
  border-radius:22px;
  padding:32px;
  color:#fff;
  box-shadow:0 14px 34px rgba(0,0,0,.22);
}
.support-icon{width:62px;height:62px;border-radius:16px;background:var(--gold);color:#07182b;display:grid;place-items:center;font-size:1.65rem;border:2px solid var(--gold2);margin-bottom:18px}
.support-card h2{color:var(--gold2)!important;font-size:clamp(1.55rem,2.6vw,2rem)!important;font-weight:950!important;line-height:1.22;margin:.2em 0 .55em}
.support-card h3{color:var(--gold2)!important;font-size:1.25rem!important;font-weight:900!important;margin:1.25em 0 .45em}
.support-card p,.support-card li{color:#fff!important;font-size:1.12rem!important;line-height:1.75!important}
.support-card ul,.support-card ol{padding-left:1.45rem;margin:12px 0 22px}
.support-card li{margin:7px 0}.support-card li::marker{color:var(--gold2);font-weight:900}
.support-card .btn{margin-top:10px;min-height:54px;font-size:1.05rem}
.support-warning{background:#102b44;border:1px solid var(--gold);border-left:6px solid var(--gold2);border-radius:14px;padding:17px 19px;color:#fff;font-size:1.1rem;line-height:1.65;margin:20px 0}
.support-warning strong{color:var(--gold2)}
.client-support-page .support-callout{background:#112b43;border:2px solid var(--gold);border-radius:20px;padding:30px;margin-top:30px}
.client-support-page .support-callout h2{color:var(--gold2);font-weight:950;font-size:1.75rem}
.client-support-page .support-callout p{color:#fff;font-size:1.12rem;line-height:1.75}
.client-support-page .notice{background:#112b43!important;color:#fff!important;border:2px solid var(--gold)!important;margin-top:24px;font-size:1.06rem;line-height:1.65}
.client-support-page .notice strong{color:var(--gold2)}
@media(max-width:680px){
  .guide-page .guide-section,.support-card{padding:24px}
  .guide-page .guide-section li,.support-card p,.support-card li{font-size:1.08rem!important}
  .support-card .btn{width:100%}
}

/* Version 3.9: compact right-side mobile navigation drawer */
@media(max-width:960px){
  header{z-index:1200!important}
  .nav{position:relative;min-height:82px}
  .mobile-toggle{
    display:grid!important;
    place-items:center;
    width:48px;
    height:48px;
    padding:0;
    border:2px solid var(--gold)!important;
    border-radius:12px;
    background:#0b2949!important;
    color:var(--gold2)!important;
    font-size:1.8rem!important;
    line-height:1;
    position:relative;
    z-index:1301!important;
  }
  .menu{
    display:flex!important;
    position:fixed!important;
    top:82px!important;
    right:0!important;
    left:auto!important;
    bottom:auto!important;
    width:min(80vw,390px)!important;
    height:auto!important;
    max-height:calc(100dvh - 96px)!important;
    min-height:0!important;
    padding:16px 16px 20px!important;
    margin:0!important;
    overflow-y:auto!important;
    flex-direction:column!important;
    align-items:stretch!important;
    gap:4px!important;
    background:#06172a!important;
    background-color:#06172a!important;
    opacity:1!important;
    border:2px solid var(--gold)!important;
    border-right:0!important;
    border-radius:18px 0 0 18px!important;
    box-shadow:-18px 22px 48px rgba(0,0,0,.42)!important;
    backdrop-filter:none!important;
    -webkit-backdrop-filter:none!important;
    z-index:1250!important;
    transform:translateX(105%)!important;
    visibility:hidden!important;
    pointer-events:none!important;
    transition:transform .24s ease,visibility .24s ease!important;
  }
  .menu.open{
    transform:translateX(0)!important;
    visibility:visible!important;
    pointer-events:auto!important;
  }
  .menu a{
    color:#fff!important;
    font-size:1.08rem!important;
    font-weight:800!important;
    line-height:1.25!important;
    padding:13px 12px!important;
    border-radius:10px!important;
    border-bottom:1px solid rgba(243,212,135,.25)!important;
  }
  .menu a:hover,.menu a:focus-visible,.menu a.active{
    background:rgba(216,170,66,.17)!important;
    color:var(--gold2)!important;
  }
  .menu .btn{
    width:100%!important;
    margin-top:8px!important;
    padding:14px 16px!important;
    border-bottom:2px solid var(--gold2)!important;
    background:linear-gradient(135deg,var(--gold),var(--gold2))!important;
    color:#07182b!important;
  }
  body.menu-open{overflow:hidden!important;touch-action:none}
}
@media(max-width:580px){
  .menu{width:78vw!important;max-width:360px!important;top:78px!important;max-height:calc(100dvh - 90px)!important}
  .mobile-toggle{width:46px;height:46px}
}

/* Version 3.9 recheck: mobile drawer stability and iPhone sizing */
@media(max-width:960px){
  .menu{overscroll-behavior:contain!important;-webkit-overflow-scrolling:touch!important}
  .menu a:focus-visible,.mobile-toggle:focus-visible{outline:3px solid var(--gold2)!important;outline-offset:3px!important}
}
@media(max-width:430px){
  .menu{width:78vw!important;max-width:335px!important}
}