:root{
  --navy: #0f2a4b;
  --navy-ink: #082238;
  --muted: #243a4b;
  --beige: #f3efe7;
  --gradient-start: #e7fbff;
  --gradient-mid: #c9f7f2;
  --gradient-end: #bfeef0;
  --card-radius: 24px;
  --card-width: 260px;
  --card-height: 140px;
  --gap: 48px;
  --shadow: 0 8px 24px rgba(15,42,75,0.06);

  /* fluid type helpers */
  --h1: clamp(28px, 4vw, 44px);
  --h2: clamp(20px, 2.6vw, 35px);
  --h3: clamp(15px, 1.6vw, 18px);
  --body: clamp(14px, 1.4vw, 16px);
  --small: clamp(13px, 1.2vw, 15px);
}

/* Base */
* { box-sizing: border-box; }
html,body { height: 100%; }
body {
  margin: 0;
  font-family: 'Open Sans', Arial, sans-serif;
  color: var(--navy);
  background: #fff;
  line-height: 1.6;
}
img { max-width: 100%; height: auto; display: block; }

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 40px 20px;
}

/* ---------- LOGO ---------- */
.logo { text-align: center; margin-bottom: clamp(28px, 6vw, 50px); }
.brand-logo {
  width: min(90%, 350px);
  height: auto;
  margin: 0 auto -24px;
}

/* ---------- 3 CARDS ---------- */
.cards{
  /* use grid so we can force stacking on mobile */
  display: grid;
  grid-template-columns: repeat(3, minmax(0,1fr));
  gap: 18px;
  margin-bottom: 100px;
}

/* Tablet and below: show ONE card per row (stacked) */
@media (max-width: 1024px){
  .cards{
    grid-template-columns: 1fr;   /* ✅ stacked like the first photo */
    gap: 20px;
  }
}

/* Card look */
.card{
  background: #f5f5f5;
  border-radius: 24px;            /* pill corners */
  text-align: center;
  padding: 28px 20px;             /* larger tappable area */
  box-shadow: 0 10px 24px rgba(15,42,75,0.06);
  transition: transform .2s ease, box-shadow .2s ease;
}

/* optional hover (kept light for mobile) */
.card:hover{
  transform: translateY(-2px);
  box-shadow: 0 14px 30px rgba(15,42,75,0.10);
}

/* Gradient / beige variants stay the same */
.card.blue{
  background: linear-gradient(135deg,
    var(--gradient-start) 0%,
    var(--gradient-mid) 45%,
    var(--gradient-end) 100%);
}
.card.beige{ background: #f2f0e9; }

/* Icon + title sizing to match your first screenshot */
.card img{
  width: 64px;                    /* bigger icon on mobile */
  height: auto;
  margin: 8px auto 14px;
}
.card h3{
  margin: 0;
  font-size: 18px;
  font-weight:600;
  letter-spacing: .8px;
  color: var(--navy);
}

/* Slightly larger icon on very small phones */
@media (max-width: 420px){
  .card img{ width: 68px; }
  .card h3{ font-size: 19px; }
}

/* ---------- WHY CHOOSE US ---------- */
.why { text-align: center; margin-bottom: clamp(56px, 10vw, 100px);}
.why h2 { font-size: var(--h2); margin: 0 0 clamp(22px, 5vw, 35px);padding-bottom: 20px;padding-top: -10px;}
.why p {
        font-size: 16px;
        color: #333;
        max-width: 1500px;
        margin: 0 auto 30px;   /* stays centered */
        padding: 0 40px;       /* adds spacing left & right */
        line-height: 1.8;
        text-align: center;    /* centers the text inside */
}
.why ul {
      list-style-type: disc;
      text-align: left;
      max-width: 700px;
      margin: 0 auto 20px;
      padding-left: 20px;
      line-height: 2.0;
      font-size: 15px;
      color: #333;
}
.why strong {
  display: block;
  font-size: 16px;
  margin-top: clamp(24px, 5vw, 40px);
  color: #0f2a4b;
  padding: 0 16px;
}

/* ---------- HOW DO WE GO ABOUT IT ---------- */
.how-section { text-align: center; margin-bottom: clamp(56px, 10vw, 100px); }
.how-section h2 { font-size: clamp(22px, 2.2vw, 26px); margin: 0 0 12px; }
.how-section p  { font-size: 16px; color: #333; margin: 0 0 20px; }

/* Grid: 3 cols on desktop → 1 col (stacked) on tablet/phone */
.how-cards{
  display: grid;
  grid-template-columns: repeat(3, minmax(0,1fr));
  gap: 24px;
  justify-items: stretch;
}

/* <= 1024px: STACK (one card per row) */
@media (max-width: 1024px){
  .how-cards{ grid-template-columns: 1fr; gap: 20px; }
}

/* Card */
.how-card{
  background: #f5f5f5;
  border-radius: 20px;
  padding: 20px;
  text-align: center;
  box-shadow: 0 10px 24px rgba(15,42,75,0.06);
  width: 100%;
  max-width: 720px;
  margin: 0 auto;
}

.how-card.blue{
  background: linear-gradient(135deg,
    var(--gradient-start) 0%,
    var(--gradient-mid) 45%,
    var(--gradient-end) 100%);
}
.how-card.beige{ background: #f2f0e9; }

.how-card img{
  width: 64px;
  margin: 6px auto 10px;
}
.how-card h3{
  margin: 6px 0 10px;
  font-size: 18px;
  font-weight: 700;
  letter-spacing: .8px;
  color: var(--navy);
}

/* Bullets: text lines up neatly after the dot */
.how-card ul{
  list-style-type: disc;
  list-style-position: outside;
  text-align: left;
  margin: 0;
  padding-left: 20px;
  font-size: 15px;
  color: #333;
  line-height: 1.7;
}

/* ✅ Mobile full-width cards for these sections */
@media (max-width: 640px) {
  .protect-cards,
  .create-cards,
  .preserve-cards {
    grid-template-columns: 1fr;
    width: 100%;
    margin-left: 0;
    margin-right: 0;
  }
}

/* ---------- PRODUCT SELECTION MECHANISM (Mobile-friendly) ---------- */
.mechanism-section {
  text-align: center;
  padding: 30px 12px;
}

.mechanism-section h2 {
  font-size: clamp(22px, 2.4vw, 28px);
  font-weight: 600;
  margin-bottom: clamp(20px, 4vw, 80px);
  color: var(--navy);
}

/* Flow wrapper */
.mechanism-flow {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: clamp(20px, 4vw, 56px);
  flex-wrap: nowrap;
  position: relative;
}

/* Circle steps */
.step {
  width: clamp(160px, 22vw, 240px);   /* scales for phone → desktop */
  height: clamp(160px, 22vw, 240px);
  border-radius: 50%;
  display: flex;
  justify-content: center;
  align-items: center;
  text-align: center;
  padding: clamp(14px, 2vw, 20px);
  font-size: clamp(14px, 1.4vw, 20px);
  font-weight: 700;
  line-height: 1.35;
  color: #0f2a4b;
  position: relative;
  z-index: 1;
  box-shadow: var(--shadow);
}

.step.beige { background: #f2f0e9; }
.step.blue {
  background: linear-gradient(
    135deg,
    var(--gradient-start) 0%,
    var(--gradient-mid) 45%,
    var(--gradient-end) 100%
  );
}

/* Simple straight arrows between steps (desktop/tablet only) */
.arrow-straight {
  font-size: clamp(28px, 4vw, 48px);
  font-weight: 900;
  color: #ff2b2b;
  user-select: none;
}

/* Optional decorative curved arrows (hidden on small screens) */
.curved-arrow {
  position: absolute;
  width: clamp(220px, 24vw, 320px);
  height: clamp(120px, 14vw, 200px);
  fill: none;
  stroke: #0f2a4b;
  stroke-width: 3px;
  z-index: 0;
  pointer-events: none;
}
.arrow1 { top: -3.5vw; left: clamp(200px, 22vw, 320px); transform: rotate(180deg); }
.arrow2 { top: -3.5vw; left: clamp(420px, 46vw, 640px); }

/* Mobile behavior */
@media (max-width: 900px) {
  .mechanism-flow {
    flex-direction: column;
    gap: 24px;
  }
  .arrow-straight,
  .curved-arrow {
    display: none; /* keep it clean on small screens */
  }
}


/* ---------- PROTECT WEALTH ---------- */
.protect-section {
  text-align: center;
  margin-bottom: clamp(40px, 8vw, 90px);
  position: relative;
  padding-top: 12px;
}

.protect-section .top { padding-bottom: 8px; }

.protect-section .top .main-icon {
  width: clamp(72px, 10vw, 120px);
  height: auto;
  margin: 0 auto 12px;
}

.protect-section h2 {
  margin: 0;
  font-size: clamp(20px, 2vw, 22px);
  font-weight: 600;
  color: var(--navy);
  letter-spacing: 0.6px;
}

/* chevrons under heading (desktop positioning) */
.protect-section .chevrons {
  position: absolute;
  left: 50%;
  transform: translateX(-50%);
  top: 180px;
  width: clamp(26px, 6vw, 80px);
  height: auto;
  z-index: 2;
  pointer-events: none;
}

/* Desktop grid stays as is */
.protect-cards {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: clamp(14px, 4vw, 36px);
  align-items: start;
  margin-top: clamp(40px, 10vw, 110px);
}
@media (max-width: 1100px) { .protect-cards { grid-template-columns: repeat(4, 1fr); } }
@media (max-width: 900px)  { .protect-cards { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 640px)  { .protect-cards { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 400px)  { .protect-cards { grid-template-columns: 1fr; } }

.protect-card {
  border-radius: var(--card-radius);
  padding: clamp(14px, 3.5vw, 22px);
  text-align: center;
  box-shadow: var(--shadow);
  transition: transform .16s ease, box-shadow .16s ease;
  background: #fff;
}
.protect-card:hover { transform: translateY(-4px); box-shadow: 0 16px 36px rgba(15,42,75,0.10); }

.protect-card img { width: clamp(62px, 9vw, 120px); margin: 0 auto 10px; }

.protect-card p {
  margin: 0;
  font-size: 14px;
  color: #222;
  font-weight: 500;
  line-height: 1.2;
  letter-spacing: .6px;
  text-transform: uppercase;
}

/* ========== MOBILE/TABLET OVERRIDES ONLY (<= 1024px) ========== */
@media (max-width: 1024px) {

  /* stack one big card per row and center them */
  .protect-cards {
    grid-template-columns: 1fr;
    gap: 18px;
    justify-items: center;
    margin-top: 24px;
  }
}
@media (max-width: 640px) {
  .protect-cards,
  .create-cards,
  .preserve-cards {
    grid-template-columns: 1fr;
    width: 100%;        /* ✅ add this */
    margin-left: 0;     /* ✅ add this */
    margin-right: 0;    /* ✅ add this */
  }
}

  .protect-card {
    width: min(100%, 720px);     /* big pill width but responsive */
    min-height: 140px;           /* taller tap target */
    border-radius: 28px;         /* pill corners */
    padding: 20px;
    box-shadow: 0 12px 32px rgba(15,42,75,0.08);
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
  }

  .protect-card img {
    width: 72px;
    margin-bottom: 12px;
  }

  .protect-card p {
    font-weight: 700;
    color: var(--navy);
    font-size: 15px;
    letter-spacing: .6px;
    line-height: 1.3;
  }

  /* keep chevrons nicely placed for stacked layout */
  .protect-section .chevrons {
    position: static;
    transform: none;
    width: 32px;
    margin: 6px auto 12px;
  }
  
  /* safety: remove any stray bullets/dots inside cards */
  .protect-card, .protect-card * { list-style: none; }
  .protect-card::before,
  .protect-card::after,
  .protect-card p::before,
  .protect-card p::after { content: none !important; }


/* ---------- CREATE WEALTH ---------- */
.create-section {
  text-align: center;
  margin-bottom: clamp(80px, 12vw, 150px);
  position: relative;
  padding-top: 10px;
}
.create-top { position: relative; padding-bottom: 8px; }
.create-main-icon {
  width: clamp(72px, 10vw, 120px);
  height: auto;
  margin: 0 auto 12px;
}
.create-section h2 {
  margin: 0;
  font-size: clamp(20px, 2vw, 22px);
  font-weight: 600;
  color: var(--navy);
}
.create-chevrons {
  position: absolute;
  left: 50%;
  margin-top: 15px;
  transform: translateX(-50%);
  width: clamp(26px, 6vw, 80px);
  height: auto;
  z-index: 2;
  pointer-events: none;
}

/* desktop grid stays the same */
.create-cards {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: clamp(14px, 4vw, 36px);
  margin-top: clamp(40px, 10vw, 150px);
}
@media (max-width: 1000px) { .create-cards { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 640px)  { .create-cards { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 400px)  { .create-cards { grid-template-columns: 1fr; } }

.create-card {
  border-radius: 26px;
  padding: clamp(18px, 3.5vw, 36px) clamp(10px, 2vw, 18px);
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
}
.create-card.blue { 
  background: linear-gradient(135deg,var(--gradient-start) 0%,var(--gradient-mid) 45%,var(--gradient-end) 100%); 
}
.create-card.beige { background: #f2f0e9; }
.create-card img { width: clamp(88px, 10vw, 150px); margin-bottom: 12px; }
.create-card p {
  margin: 0;
  color: var(--navy-ink);
  font-weight: 550;
  font-size: clamp(15px, 1.8vw, 18px);
  line-height: 1.25;
}

/* ===== MOBILE/TABLET ONLY (stacked pill cards) ===== */
@media (max-width: 1024px) {
  .create-cards {
    grid-template-columns: 1fr;      /* stack */
    gap: 18px;
    justify-items: center;
    margin-top: 28px;
  }
  .create-card {
    width: min(100%, 720px);         /* big pill width, responsive */
    min-height: 90px;
    border-radius: 28px;
    padding: 18px 22px;
    box-shadow: 0 12px 32px rgba(15,42,75,0.08);
  }
  .create-card p {
    font-weight: 700;
    color: var(--navy);
    font-size: 15px;
    letter-spacing: 0.6px;
  }
  .create-chevrons {
    position: static;                /* nicer spacing above first pill */
    transform: none;
    width: 32px;
    margin: 6px auto 12px;
  }
}
@media (max-width: 640px) {
  .protect-cards,
  .create-cards,
  .preserve-cards {
    grid-template-columns: 1fr;
    width: 100%;        /* ✅ add this */
    margin-left: 0;     /* ✅ add this */
    margin-right: 0;    /* ✅ add this */
  }
}

/* ---------- PRESERVE WEALTH ---------- */
.preserve-section {
  text-align: center;
  margin-bottom: clamp(90px, 12vw, 200px);
  position: relative;
  padding-top: 12px;
}

.preserve-top { padding-bottom: 8px; position: relative; }

.preserve-main-icon {
  width: clamp(72px, 10vw, 120px);
  height: auto;
  margin: 0 auto 12px;
}

.preserve-section h2 {
  margin: 0;
  font-size: clamp(20px, 2vw, 22px);
  font-weight: 600;
  color: var(--navy);
}

.preserve-chevrons {
  position: absolute;
  left: 50%;
  transform: translateX(-50%);
  margin-top: 10px;
  width: clamp(26px, 6vw, 80px);
  height: auto;
  z-index: 2;
  pointer-events: none;
}

/* desktop grid stays same */
.preserve-cards {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: clamp(18px, 4vw, 40px);
  align-items: stretch;
  margin-top: clamp(40px, 10vw, 150px);
}
@media (max-width: 1000px) { .preserve-cards { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 640px)  { .preserve-cards { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 400px)  { .preserve-cards { grid-template-columns: 1fr; } }

.preserve-card {
  border-radius: var(--card-radius);
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 24px;
  height: 120px;
  background: #fff;
  box-shadow: var(--shadow);
  transition: transform .16s ease, box-shadow .16s ease;
}
.preserve-card:hover { transform: translateY(-6px); box-shadow: 0 16px 36px rgba(15,42,75,0.10); }

.preserve-card p {
  margin: 0;
  color: var(--navy-ink);
  font-weight: 600;
  font-size: clamp(15px, 1.6vw, 18px);
  letter-spacing: 0.4px;
}
.preserve-card.blue {
  background: linear-gradient(135deg,
    var(--gradient-start) 0%,
    var(--gradient-mid) 45%,
    var(--gradient-end) 100%);
}
.preserve-card.beige { background: #f2f0e9; }

/* ===== MOBILE/TABLET ONLY (same pill style as CREATE) ===== */
@media (max-width: 1024px) {
  .preserve-cards {
    grid-template-columns: 1fr;     /* stack */
    gap: 18px;
    justify-items: center;
    margin-top: 28px;
  }
  .preserve-card {
    width: min(100%, 720px);        /* pill width, responsive */
    height: 90px;
    border-radius: 28px;
    padding: 18px 22px;
    box-shadow: 0 12px 32px rgba(15,42,75,0.08);
  }
  .preserve-card p {
    font-weight: 700;
    color: var(--navy);
    font-size: 15px;
    letter-spacing: 0.6px;
  }
  .preserve-chevrons {
    position: static;
    transform: none;
    width: 32px;
    margin: 6px auto 12px;
  }
}
@media (max-width: 640px) {
  .protect-cards,
  .create-cards,
  .preserve-cards {
    grid-template-columns: 1fr;
    width: 100%;        /* ✅ add this */
    margin-left: 0;     /* ✅ add this */
    margin-right: 0;    /* ✅ add this */
  }
}


/* ---------- Product Selection – old flex bits (kept for safety) ---------- */
.mechanism-flow {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 40px;
  position: relative;
}
@media (max-width: 900px) {
  .mechanism-flow {
    flex-direction: column;
    gap: 28px; /* a bit tighter on mobile */
  }
}

/* --------------------------- START / CTA --------------------------- */
/* ---------- START / CTA ---------- */
.start-section {
  max-width: 1100px;
  margin: 40px auto clamp(48px, 8vw, 80px);
  padding: 0 16px;
  text-align: center;
  color: var(--navy);
}

.start-section h2 {
  margin: 0 0 8px;
  font-size: clamp(26px, 6vw, 44px);
  font-weight: 600;
  letter-spacing: .2px;
  line-height: 1.15;
}

.start-dash {
  font-size: clamp(18px, 3vw, 28px);
  margin: 6px 0 14px;
  opacity: 0.9;
}

.start-sub {
  margin: 0 auto 22px;
  max-width: 820px;
  font-size: clamp(16px, 1.8vw, 20px);
  color: #28384a;
  line-height: 1.55;
}

/* CTA button */
.start-button {
  display: inline-block;
  background: #f2f0e9;
  color: #0f2a4b;
  text-decoration: none;
  font-weight: 600;
  font-size: clamp(15px, 1.6vw, 16px);
  padding: clamp(14px, 2vw, 20px) clamp(18px, 3vw, 34px);
  border-radius: 28px;
  box-shadow: 0 8px 20px rgba(15,42,75,0.06);
  text-align: center;
  line-height: 1.25;
  letter-spacing: .6px;
  margin: 6px auto 24px;
  border: none;
  transition: transform .12s ease, box-shadow .12s ease;
}
.start-button:hover {
  transform: translateY(-3px);
  box-shadow: 0 14px 28px rgba(15,42,75,0.12);
}

/* Contact + Email boxes */
.contact-info {
  margin-top: 10px;
  display: grid;
  grid-template-columns: 1fr;
  gap: 18px;
  justify-items: center;
}

/* phone box */
.phone-box {
  background: linear-gradient(135deg, var(--gradient-mid), var(--gradient-end));
  padding: clamp(14px, 2vw, 20px) clamp(20px, 3vw, 40px);
  border-radius: 32px;
  font-size: clamp(16px, 2vw, 24px);
  font-weight: 600;
  color: #0f2a4b;
  text-align: center;
  width: min(100%, 600px);
  box-shadow: var(--shadow);
}

/* email box */
.email-box {
  background: linear-gradient(135deg, var(--gradient-mid), var(--gradient-end));
  padding: clamp(14px, 2vw, 20px) clamp(22px, 3.2vw, 48px);
  border-radius: 36px;
  font-size: clamp(16px, 2vw, 24px);
  font-weight: 600;
  color: #0f2a4b;
  text-align: center;
  width: min(100%, 720px);
  box-shadow: var(--shadow);
}

/* Responsive tweaks */
@media (max-width: 480px) {
  .start-section { margin: 28px auto 56px; }
  .start-button { margin-bottom: 16px; }
}