/* =============================================
       BFT CONSULTING — HOMEPAGE V6.1
       Brand: Navy #1B365D · Orange #E87722 · Charcoal #333333
       Red #EF4444 used ONLY for emergency / cost-of-non-compliance text
       Fonts: Plus Jakarta Sans (body) · Playfair Display (headings)
       ============================================= */
    :root {
      --navy: #1B365D;
      --navy-deep: #0F1F38;
      --navy-mid: #264573;
      --navy-light: #3A5F8C;
      --orange: #E87722;
      --orange-glow: #FF8C3A;
      --orange-soft: rgba(232,119,34,.07);
      --charcoal: #333333;
      --grey: #F7F8FA;
      --grey-mid: #E2E5EA;
      --grey-dark: #CBD0D8;
      --white: #FFFFFF;
      --muted: #6B7280;
      --green: #10B981;
      --amber: #FBBF24;
      --red: #EF4444;
      --font: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, sans-serif;
      --display: 'Playfair Display', Georgia, serif;
      --shadow-sm: 0 1px 3px rgba(0,0,0,.04);
      --shadow-md: 0 4px 16px rgba(0,0,0,.06);
      --shadow-lg: 0 8px 32px rgba(0,0,0,.08);
      --shadow-xl: 0 12px 48px rgba(0,0,0,.1);
      --radius: 14px;
      --radius-lg: 18px;
      --transition: all .3s cubic-bezier(.4,0,.2,1);
    }
    *,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
    html{scroll-behavior:smooth;font-size:17px}
    body{font-family:var(--font);color:var(--charcoal);line-height:1.6;background:var(--white);-webkit-font-smoothing:antialiased;overflow-x:hidden}
    img{max-width:100%;display:block}
    a{color:inherit;text-decoration:none}
    .container{max-width:1200px;margin:0 auto;padding:0 24px}

    /* ===== EMERGENCY BAR — Orange brand, not red ===== */
    .emergency-bar{background:var(--orange);color:var(--white);font-size:.84rem;font-weight:600;padding:10px 0;position:sticky;top:0;z-index:200;box-shadow:0 2px 8px rgba(232,119,34,.2)}
    .emergency-bar .container{display:flex;align-items:center;justify-content:center;gap:12px;flex-wrap:wrap}
    .emergency-bar a{color:var(--white)}
    .emergency-bar .phone-link{background:rgba(255,255,255,.22);padding:5px 16px;border-radius:20px;font-weight:700;transition:var(--transition)}
    .emergency-bar .phone-link:hover{background:rgba(255,255,255,.35)}

    /* ===== TOP BAR ===== */
    .top-bar{background:var(--navy-deep);padding:9px 0;font-size:.76rem;color:rgba(255,255,255,.55);letter-spacing:.01em}
    .top-bar .container{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:8px}
    .top-bar a{color:var(--orange);font-weight:600;transition:color .2s}
    .top-bar a:hover{color:var(--orange-glow)}

    /* ===== NAVIGATION — STANDARDISED ===== */
    .main-nav{background:var(--white);border-bottom:1px solid var(--grey-mid);position:sticky;top:42px;z-index:100;box-shadow:var(--shadow-sm)}
    .main-nav .container{display:flex;justify-content:space-between;align-items:center;height:72px}
    .nav-logo{display:flex;align-items:center;gap:12px;font-weight:700;font-size:1.2rem;color:var(--navy)}.nav-logo-img{height:38px;width:auto;object-fit:contain}
    .nav-logo-icon{width:42px;height:42px;background:var(--navy);border-radius:10px;display:flex;align-items:center;justify-content:center;position:relative}
    .nav-logo-icon::after{content:'';position:absolute;bottom:0;left:0;right:0;height:3px;background:var(--orange);border-radius:0 0 10px 10px}
    .nav-logo-icon svg{width:24px;height:24px}
    .nav-links{display:flex;align-items:center;gap:28px;list-style:none;font-size:.88rem;font-weight:500}
    .nav-links a{color:var(--charcoal);transition:color .2s;position:relative;padding:4px 0}
    .nav-links a::after{content:'';position:absolute;bottom:-6px;left:0;width:0;height:2px;background:var(--orange);transition:width .25s}
    .nav-links a:hover{color:var(--navy)}
    .nav-links a:hover::after{width:100%}
    .nav-links .active a{color:var(--navy);font-weight:600}
    .nav-links .active a::after{width:100%}
    .nav-dropdown{position:relative}
    .nav-dropdown-menu{display:none;position:absolute;top:calc(100% + 10px);left:-12px;background:white;border:1px solid var(--grey-mid);border-radius:var(--radius);box-shadow:var(--shadow-md);min-width:300px;padding:8px 0;z-index:200}
    .nav-dropdown:hover .nav-dropdown-menu{display:block}
    .nav-dropdown-menu a{display:block;padding:10px 20px;font-size:.85rem}
    .nav-dropdown-menu a::after{display:none}
    .nav-dropdown-menu a:hover{background:var(--grey);color:var(--navy)}
    .nav-helpline{display:inline-flex;align-items:center;gap:8px;background:var(--orange);color:var(--white)!important;padding:11px 22px;border-radius:8px;font-weight:700!important;font-size:.85rem!important;transition:var(--transition)!important;box-shadow:0 2px 8px rgba(232,119,34,.2)}
    .nav-helpline:hover{background:var(--orange-glow)!important;transform:translateY(-1px);box-shadow:0 4px 16px rgba(232,119,34,.3)}
    .nav-helpline::after{display:none!important}
    .hamburger{display:none;cursor:pointer;font-size:24px;color:var(--navy)}

    /* ===== HERO ===== */
    .hero{background:linear-gradient(165deg,var(--navy-deep) 0%,var(--navy) 40%,var(--navy-mid) 100%);padding:88px 0 72px;position:relative;overflow:hidden}
    .hero::before{content:'';position:absolute;top:-40%;right:-20%;width:100%;height:180%;background:radial-gradient(ellipse,rgba(232,119,34,.08) 0%,transparent 65%);pointer-events:none}
    .hero .container{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
    .hero-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(232,119,34,.1);border:1px solid rgba(232,119,34,.2);color:var(--orange);font-size:.72rem;font-weight:700;letter-spacing:.07em;text-transform:uppercase;padding:7px 16px;border-radius:24px;margin-bottom:24px}
    .hero-badge-dot{width:7px;height:7px;background:var(--orange);border-radius:50%;animation:pulse 2.5s ease-in-out infinite}
    @keyframes pulse{0%,100%{opacity:1}50%{opacity:.4}}
    .hero h1{font-family:var(--display);font-size:3rem;line-height:1.14;color:var(--white);margin-bottom:22px;font-weight:700;letter-spacing:-.01em}
    .hero h1 .accent{color:var(--orange)}
    .hero-subtitle{font-size:1.05rem;color:rgba(255,255,255,.8);line-height:1.75;margin-bottom:16px;max-width:560px}
    .hero-regulatory{font-size:.82rem;color:rgba(255,255,255,.5);line-height:1.6;margin-bottom:24px;padding-left:14px;border-left:3px solid var(--orange);max-width:520px}
    .hero-tagline{display:flex;align-items:center;gap:12px;font-size:.9rem;font-weight:600;color:rgba(255,255,255,.7);margin-bottom:28px}
    .hero-tagline::before{content:'';width:28px;height:2px;background:var(--orange);flex-shrink:0}
    .hero-ctas{display:flex;gap:14px;margin-bottom:32px;flex-wrap:wrap}
    .btn{display:inline-flex;align-items:center;gap:8px;padding:14px 28px;border-radius:8px;font-weight:700;font-size:.92rem;cursor:pointer;border:2px solid transparent;transition:var(--transition);text-decoration:none;font-family:var(--font)}
    .btn-orange{background:var(--orange);color:var(--white);border-color:var(--orange)}
    .btn-orange:hover{background:var(--orange-glow);border-color:var(--orange-glow);transform:translateY(-2px);box-shadow:0 8px 24px rgba(232,119,34,.3)}
    .btn-outline-white{background:transparent;color:var(--white);border-color:rgba(255,255,255,.22)}
    .btn-outline-white:hover{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.4)}
    .btn-navy{background:var(--navy);color:var(--white);border-color:var(--navy)}
    .btn-navy:hover{background:var(--navy-mid);transform:translateY(-2px);box-shadow:0 4px 16px rgba(27,54,93,.2)}
    .trust-badges{display:flex;gap:16px;align-items:center;flex-wrap:wrap}
    .trust-badge{display:flex;align-items:center;gap:6px;font-size:.78rem;font-weight:600;color:rgba(255,255,255,.65);padding:6px 14px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:6px}
    .trust-badge svg{color:var(--orange)}
    .trust-credential{margin-top:12px;font-size:.72rem;color:rgba(255,255,255,.4);font-style:italic}

    /* Hero dashboard */
    .hero-visual{position:relative}
    .hero-dashboard{background:rgba(255,255,255,.06);backdrop-filter:blur(8px);
      border:1px solid rgba(255,255,255,.1);border-radius:18px;padding:24px;
      box-shadow:var(--shadow-xl);
      position: relative;
      z-index: 9999999999;
    }
    .hero-dashboard-header{display:flex;gap:6px;margin-bottom:16px}
    .hero-dashboard-dot{width:10px;height:10px;border-radius:50%}
    .hero-dashboard-dot:nth-child(1){background:#EF4444}
    .hero-dashboard-dot:nth-child(2){background:#F59E0B}
    .hero-dashboard-dot:nth-child(3){background:#22C55E}
    .dash-card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.08);border-radius:12px;padding:16px;margin-bottom:10px}
    .dash-card-label{font-size:.68rem;color:rgba(255,255,255,.45);text-transform:uppercase;letter-spacing:.06em;margin-bottom:6px}
    .dash-card-value{font-size:.92rem;font-weight:600;color:white}
    .dash-status{display:inline-flex;align-items:center;gap:5px;font-size:.75rem;font-weight:600;padding:3px 10px;border-radius:12px}
    .dash-status-green{background:rgba(16,185,129,.12);color:#34D399}
    .dash-status-blue{background:rgba(59,130,246,.12);color:#60A5FA}
    .dash-floating{position:absolute;background:white;border-radius:12px;padding:12px 16px;box-shadow:var(--shadow-lg);font-size:.82rem;font-weight:600;color:var(--navy);display:flex;align-items:center;gap:8px}
    .dash-floating.top-right{top:-14px;right:-14px}

    /* ===== SECTIONS ===== */
    section{padding:88px 0}
    .section-header{text-align:center;margin-bottom:48px}
    .section-header h2{font-family:var(--display);font-size:2.2rem;color:var(--navy);margin-bottom:12px;font-weight:700;line-height:1.22}
    .section-header p{font-size:1rem;color:var(--muted);max-width:680px;margin:0 auto;line-height:1.7}
    .section-label{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--orange);margin-bottom:10px}

    /* ===== RISK QUIZ ===== */
    .quiz-section{background:linear-gradient(135deg,#f8fafc 0%,#e2e8f0 100%);padding:88px 0}
    .quiz-container{max-width:720px;margin:0 auto;background:var(--white);border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);overflow:hidden}
    .quiz-header{background:linear-gradient(135deg,var(--navy-deep),var(--navy));color:white;padding:36px;text-align:center}
    .quiz-header h2{font-family:var(--display);font-size:1.8rem;margin-bottom:8px;font-weight:700}
    .quiz-header p{font-size:.92rem;opacity:.75}
    .quiz-meta{display:flex;justify-content:center;gap:24px;margin-top:16px}
    .quiz-meta span{display:flex;align-items:center;gap:6px;font-size:.8rem;opacity:.65}
    .quiz-body{padding:36px}
    .quiz-step{display:none}
    .quiz-step.active{display:block}
    .quiz-progress{display:flex;gap:6px;margin-bottom:24px}
    .quiz-progress-dot{flex:1;height:4px;border-radius:2px;background:var(--grey-mid);transition:background .3s}
    .quiz-progress-dot.filled{background:var(--orange)}
    .quiz-question{font-size:1.25rem;font-weight:700;color:var(--navy);margin-bottom:20px}
    .quiz-option{display:block;padding:16px 20px;background:var(--grey);border:2px solid transparent;border-radius:var(--radius);margin-bottom:10px;cursor:pointer;transition:var(--transition);font-size:.95rem;font-weight:600;color:var(--charcoal)}
    .quiz-option:hover{border-color:var(--orange);background:var(--orange-soft)}
    .quiz-option.selected{border-color:var(--orange);background:var(--orange-soft)}
    .quiz-nav{display:flex;justify-content:space-between;margin-top:24px}
    .quiz-btn{padding:12px 24px;border-radius:8px;font-weight:700;font-size:.88rem;cursor:pointer;border:2px solid transparent;transition:var(--transition);font-family:var(--font)}
    .quiz-btn-back{background:transparent;color:var(--navy);border-color:var(--grey-dark)}
    .quiz-btn-next{background:var(--orange);color:var(--white);border-color:var(--orange)}
    .quiz-btn-next:hover{background:var(--orange-glow);transform:translateY(-2px)}
    .quiz-result{text-align:center;padding:40px 32px}
    .quiz-result h3{font-family:var(--display);font-size:1.6rem;color:var(--navy);margin-bottom:12px;font-weight:700}
    .quiz-result p{font-size:.95rem;color:var(--muted);margin-bottom:24px}
    .quiz-email-capture{margin-top:24px;padding-top:24px;border-top:1px solid var(--grey-mid)}
    .quiz-email-capture input{padding:12px 16px;border:2px solid var(--grey-mid);border-radius:8px;font-size:.92rem;width:280px;margin-right:8px;font-family:var(--font)}
    .quiz-email-capture input:focus{outline:none;border-color:var(--orange)}

    /* ===== TRIGGERS ===== */
    .triggers-section{background:var(--grey);padding:88px 0}
    .triggers-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
    .trigger-card{background:var(--white);border-radius:var(--radius-lg);padding:28px;border:1px solid var(--grey-mid);transition:var(--transition);position:relative;overflow:hidden}
    .trigger-card::before{content:'';position:absolute;top:0;left:0;width:4px;height:0;background:var(--orange);transition:height .3s;border-radius:0 0 2px 0}
    .trigger-card:hover{box-shadow:var(--shadow-md);transform:translateY(-3px)}
    .trigger-card:hover::before{height:100%}
    .trigger-icon{width:48px;height:48px;background:var(--orange-soft);border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:16px;font-size:22px}
    .trigger-card h3{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:8px}
    .trigger-card p{font-size:.88rem;color:var(--muted);line-height:1.5;margin-bottom:10px}
    /* Red for cost — per V5 convention */
    .trigger-cost{font-size:.82rem;color:var(--red);font-weight:600;font-style:italic}

    /* ===== BFT COMPLIANCE METHODOLOGY ===== */
    .methodology{background:var(--white);padding:88px 0}
    .methodology-steps{display:flex;align-items:flex-start;justify-content:space-between;gap:12px;margin-bottom:40px;position:relative}
    .methodology-steps::before{content:'';position:absolute;top:32px;left:60px;right:60px;height:3px;background:linear-gradient(90deg,var(--orange),var(--navy));border-radius:2px;z-index:0}
    .meth-step{display:flex;flex-direction:column;align-items:center;text-align:center;position:relative;z-index:1;flex:1;min-width:0}
    .meth-step-num{font-size:.68rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--orange);margin-bottom:8px}
    .meth-step-icon{width:64px;height:64px;background:var(--white);border:2px solid var(--navy);border-radius:50%;display:flex;align-items:center;justify-content:center;margin-bottom:12px;font-size:24px;box-shadow:var(--shadow-sm)}
    .meth-step h4{font-size:.92rem;font-weight:700;color:var(--navy);margin-bottom:4px}
    .meth-step p{font-size:.78rem;color:var(--muted);line-height:1.4}
    .methodology-quote{max-width:760px;margin:0 auto 32px;border-left:4px solid var(--orange);padding:20px 28px;background:var(--grey);border-radius:0 var(--radius) var(--radius) 0;font-size:.95rem;color:var(--muted);line-height:1.75;font-style:italic}
    .methodology-ctas{display:flex;gap:16px;justify-content:center;flex-wrap:wrap}


    /* Tier badge images */
    .tier-badge-img{width:80px;height:80px;display:block;margin:0 auto 12px;object-fit:contain}
    /* ===== VAULT INTRO ===== */
    .vault-intro{background:linear-gradient(165deg,var(--navy-deep) 0%,var(--navy) 50%,var(--navy-mid) 100%);color:white;padding:88px 0;position:relative;overflow:hidden}
    .vault-intro::before{content:'';position:absolute;bottom:-30%;left:-15%;width:50%;height:120%;background:radial-gradient(ellipse,rgba(232,119,34,.06) 0%,transparent 65%);pointer-events:none}
    .vault-intro-content{max-width:800px;margin:0 auto;text-align:center;position:relative}
    .vault-intro h2{font-family:var(--display);font-size:2.5rem;margin-bottom:20px;font-weight:700}
    .vault-intro p{font-size:1.05rem;color:rgba(255,255,255,.7);line-height:1.75;margin-bottom:14px}
    .vault-highlight{color:rgba(255,255,255,.95)!important;font-weight:600}
    .vault-tagline{font-size:.95rem;color:var(--orange);font-weight:700;margin-top:20px;letter-spacing:.02em}

    /* ===== VAULT TIERS ===== */
    .vault-tiers{padding:0 0 88px;background:var(--grey)}
    .tier-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:-44px;position:relative;z-index:10}
    .tier-card{background:var(--white);border-radius:var(--radius-lg);padding:32px;border:2px solid var(--grey-mid);transition:var(--transition);position:relative;overflow:hidden}
    .tier-card::before{content:'';position:absolute;top:0;left:0;right:0;height:4px;background:var(--navy)}
    .tier-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-4px)}
    .tier-card.featured{border-color:var(--orange);box-shadow:var(--shadow-lg)}
    .tier-card.featured::before{background:var(--orange)}
    .tier-card.gold::before{background:linear-gradient(90deg,#d97706,#f59e0b)}
    .tier-badge{position:absolute;top:10px;right:20px;background:var(--orange);color:var(--white);padding:5px 16px;border-radius:20px;font-size:.72rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase}
    .tier-name{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--orange);margin-bottom:4px;margin-top:12px}
    .tier-title{font-family:var(--display);font-size:1.4rem;color:var(--navy);margin-bottom:6px;font-weight:700}
    .tier-desc{font-size:.88rem;color:var(--muted);margin-bottom:16px;line-height:1.5}
    .tier-price{font-size:2.2rem;font-weight:700;color:var(--navy);margin-bottom:4px}
    .tier-price span{font-size:1rem;font-weight:400;color:var(--muted)}
    .tier-vehicles{font-size:.82rem;color:var(--muted);margin-bottom:20px}
    .tier-features{list-style:none;margin-bottom:24px}
    .tier-features li{padding:8px 0;font-size:.88rem;color:var(--charcoal);display:flex;align-items:flex-start;gap:8px;line-height:1.4}
    .tier-features li::before{content:'\2713';color:var(--green);font-weight:700;flex-shrink:0;margin-top:1px}
    .tier-cta{display:block;width:100%;text-align:center;padding:16px;border-radius:10px;font-weight:700;font-size:.95rem;transition:var(--transition);border:2px solid var(--navy)}
    .tier-cta-navy{background:var(--navy);color:var(--white)}
    .tier-cta-navy:hover{background:var(--navy-mid)}
    .tier-cta-outline{background:transparent;color:var(--navy)}
    .tier-cta-outline:hover{background:var(--navy);color:var(--white)}
    .tier-cta-orange{background:var(--orange);color:var(--white);border-color:var(--orange)}
    .tier-cta-orange:hover{background:var(--orange-glow);border-color:var(--orange-glow)}

    /* ===== VAULT STRIP ===== */
    .vault-strip{background:var(--navy-deep);color:white;padding:20px 0;text-align:center}
    .vault-strip p{font-size:1rem;font-weight:500}
    .vault-strip strong{color:var(--orange)}
    .vault-strip a{color:var(--orange);text-decoration:underline;text-underline-offset:3px;margin-left:12px;font-weight:700}

    /* ===== SAVINGS TABLE ===== */
    .savings-section{background:linear-gradient(135deg,#fffbeb 0%,#fef3c7 100%);padding:88px 0}
    .savings-table-wrap{max-width:920px;margin:0 auto;background:var(--white);border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-lg)}
    .savings-table{width:100%;border-collapse:collapse}
    .savings-table thead th{background:var(--navy-deep);color:var(--white);padding:18px 16px;text-align:left;font-size:.85rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;border-right:2px solid var(--navy-mid)}
    .savings-table thead th:last-child{border-right:none}
    .savings-table tbody td{padding:16px;font-size:.88rem;border-bottom:1px solid var(--grey-mid)}
    .savings-table tbody tr:last-child td{border-bottom:none}
    .savings-table tbody tr:hover{background:var(--grey)}
    .savings-table .highlight{background:rgba(16,185,129,.06);font-weight:600;color:var(--green)}
    .savings-note{font-size:.82rem;color:var(--muted);margin-top:16px;text-align:center}
    .savings-callout{background:var(--orange-soft);border-left:4px solid var(--orange);padding:20px 24px;margin-top:24px;border-radius:0 var(--radius) var(--radius) 0;font-size:1.05rem;font-weight:700;color:var(--navy);text-align:center}

    /* ===== DUAL CTA ===== */
    .dual-cta{padding:88px 0}
    .dual-cta-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
    .cta-card{border-radius:var(--radius-lg);padding:40px;text-align:center;transition:var(--transition)}
    .cta-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-md)}
    .cta-card.urgent{background:linear-gradient(165deg,#fef2f2,#fecaca);border:2px solid #fecaca}
    .cta-card.prevention{background:linear-gradient(165deg,var(--orange-soft),rgba(232,119,34,.12));border:2px solid rgba(232,119,34,.2)}
    .cta-card h3{font-family:var(--display);font-size:1.5rem;color:var(--navy);margin-bottom:12px;font-weight:700}
    .cta-card p{font-size:.88rem;color:var(--muted);margin-bottom:20px;line-height:1.6}
    .cta-card .tag-list{font-size:.82rem;color:var(--muted);margin-bottom:16px;line-height:1.7}
    .btn-red{background:var(--red);color:var(--white);border-color:var(--red)}
    .btn-red:hover{background:#DC2626;transform:translateY(-2px)}

    /* ===== SERVICES ===== */
    .services-section{padding:88px 0}
    .services-vault-foundation{background:linear-gradient(135deg,var(--navy-deep),var(--navy));border-radius:var(--radius-lg);padding:36px;text-align:center;margin-bottom:24px;color:white}
    .services-vault-foundation h3{font-family:var(--display);font-size:1.4rem;margin-bottom:6px;font-weight:700}
    .services-vault-foundation p{font-size:.95rem;color:rgba(255,255,255,.65)}
    .services-vault-foundation .pricing-line{font-size:.88rem;color:var(--orange);font-weight:700;margin-top:10px}
    .services-vault-foundation .gold-note{font-size:.82rem;color:rgba(255,255,255,.45);margin-top:6px}
    .services-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
    .service-card{background:var(--white);border:1px solid var(--grey-mid);border-radius:var(--radius-lg);padding:28px;transition:var(--transition)}
    .service-card:hover{box-shadow:var(--shadow-md);transform:translateY(-3px)}
    .service-icon{font-size:28px;margin-bottom:14px}
    .service-card h4{font-size:1.05rem;font-weight:700;color:var(--navy);margin-bottom:8px}
    .service-card p{font-size:.88rem;color:var(--muted);line-height:1.5;margin-bottom:10px}
    .service-card .member-note{font-size:.82rem;color:var(--green);font-weight:600}
    .service-card .service-link{display:inline-flex;align-items:center;gap:4px;font-size:.88rem;font-weight:600;color:var(--orange);margin-top:8px}
    .service-card .service-link:hover{color:var(--orange-glow)}

    /* ===== DIFFERENTIATOR ===== */
    .differentiator-section{background:var(--grey);padding:88px 0}
    .diff-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
    .diff-content h2{font-family:var(--display);font-size:1.9rem;color:var(--navy);margin-bottom:16px;font-weight:700}
    .diff-content p{font-size:1rem;color:var(--charcoal);line-height:1.7;margin-bottom:14px}
    .diff-content .diff-note{font-size:.92rem;color:var(--muted);font-style:italic;padding-left:14px;border-left:3px solid var(--orange);margin-top:16px;line-height:1.6}
    .diff-comparison{background:var(--white);border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-md)}
    .diff-comparison table{width:100%;border-collapse:collapse}
    .diff-comparison th{padding:14px 18px;font-size:.85rem;font-weight:700;text-align:left}
    .diff-comparison th:first-child{background:var(--grey);color:var(--charcoal)}
    .diff-comparison th:nth-child(2){background:#fef2f2;color:var(--red)}
    .diff-comparison th:nth-child(3){background:rgba(16,185,129,.06);color:var(--green)}
    .diff-comparison td{padding:12px 18px;font-size:.82rem;border-bottom:1px solid var(--grey-mid);vertical-align:top;line-height:1.4}
    .diff-comparison td:nth-child(3){font-weight:600;color:var(--navy)}

    /* ===== TESTIMONIALS ===== */
    .testimonials{padding:88px 0}
    .testimonial-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
    .testimonial-card{background:var(--white);border:1px solid var(--grey-mid);border-radius:var(--radius-lg);padding:28px;transition:var(--transition)}
    .testimonial-card:hover{box-shadow:var(--shadow-md)}
    .testimonial-quote{font-size:.95rem;color:var(--charcoal);line-height:1.75;margin-bottom:20px;font-style:italic;padding-left:20px;border-left:3px solid var(--orange)}
    .testimonial-author{display:flex;align-items:center;gap:14px}
    .testimonial-avatar{width:44px;height:44px;border-radius:50%;background:var(--navy);display:flex;align-items:center;justify-content:center;color:white;font-weight:700;font-size:17px;flex-shrink:0}
    .testimonial-name{font-size:.88rem;font-weight:700;color:var(--navy)}
    .testimonial-role{font-size:.82rem;color:var(--muted)}

    /* ===== FOOTER ===== */
    .site-footer{background:var(--navy-deep);color:rgba(255,255,255,.65);padding:60px 0 0}
    .footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.5fr;gap:40px;margin-bottom:40px}
    .footer-brand h3{font-family:var(--display);font-size:1.25rem;color:white;margin-bottom:10px;font-weight:700}
    .footer-brand p{font-size:.88rem;line-height:1.6;margin-bottom:12px}
    .footer-brand .tagline{color:var(--orange);font-weight:600;font-size:.88rem}
    .footer-vault-cta{background:rgba(232,119,34,.08);border:1px solid rgba(232,119,34,.15);border-radius:10px;padding:16px 20px;margin-top:16px;text-align:center}
    .footer-vault-cta p{font-size:.88rem;color:rgba(255,255,255,.75)}
    .footer-vault-cta a{color:var(--orange);font-weight:700}
    .footer-col h4{font-size:.82rem;font-weight:700;color:white;margin-bottom:16px;text-transform:uppercase;letter-spacing:.08em}
    .footer-col ul{list-style:none}
    .footer-col li{margin-bottom:10px}
    .footer-col a{font-size:.88rem;color:rgba(255,255,255,.55);transition:color .2s}
    .footer-col a:hover{color:var(--orange)}
    .footer-contact li{display:flex;align-items:flex-start;gap:8px;font-size:.88rem;margin-bottom:10px}
    .footer-bottom{border-top:1px solid rgba(255,255,255,.08);padding:20px 0;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;font-size:.78rem;color:rgba(255,255,255,.4)}
    .footer-bottom a{color:rgba(255,255,255,.4)}
    .footer-bottom a:hover{color:rgba(255,255,255,.7)}

    /* ===== RESPONSIVE ===== */
    @media(max-width:1024px){
      .hero .container{grid-template-columns:1fr}.hero-visual{display:none}.hero h1{font-size:2.4rem}
      .tier-grid{grid-template-columns:1fr;max-width:420px;margin-left:auto;margin-right:auto}
      .triggers-grid{grid-template-columns:repeat(2,1fr)}.services-grid{grid-template-columns:1fr}
      .diff-grid{grid-template-columns:1fr}.testimonial-grid{grid-template-columns:1fr}
      .footer-grid{grid-template-columns:1fr 1fr}.dual-cta-grid{grid-template-columns:1fr}
    }
    @media(max-width:768px){
      .nav-links{display:none}.hamburger{display:block}.main-nav .container{height:60px}
      .triggers-grid{grid-template-columns:1fr}.hero h1{font-size:2rem}.hero{padding:60px 0 50px}
      section{padding:60px 0}.footer-grid{grid-template-columns:1fr}
      .savings-table{font-size:.78rem}.savings-table thead th,.savings-table tbody td{padding:10px}
      .methodology-steps{flex-direction:column;align-items:center;gap:24px}.methodology-steps::before{display:none}
    }
  
    /* RISK BUTTON GLOW */
    .risk-btn-glow{background:linear-gradient(135deg,#FF6B00,var(--orange),#FFB347)!important;animation:riskPulse 2.5s ease-in-out infinite;box-shadow:0 4px 20px rgba(232,119,34,.45)!important;font-size:.95rem!important;letter-spacing:.02em}.risk-btn-glow:hover{animation:none;transform:translateY(-3px)!important;box-shadow:0 8px 32px rgba(232,119,34,.55)!important}@keyframes riskPulse{0%,100%{box-shadow:0 4px 20px rgba(232,119,34,.45)}50%{box-shadow:0 4px 28px rgba(232,119,34,.7)}}