/* NeuroFi Design System - v2.0 Quiet Authority */

:root {
    /* Color Palette */
    --bg-base: #080E14;        /* Deep Institutional Navy */
    --bg-surface: #0E1720;     /* Surface Cards */
    --bg-surface-light: #1A2533;
    
    --accent-gold: #C8972A;    /* Warm Gold Accent */
    --accent-gold-hover: #D4A336;
    --accent-red: #E75A5A;     /* For hidden costs */
    
    --text-primary: #F5F6F8;   /* Warm Off-white */
    --text-secondary: #8A99AD; /* Muted Slate */
    --text-dark: #080E14;      /* For inverted buttons */
    
    /* Typography */
    --font-heading: 'Playfair Display', serif;
    --font-body: 'Inter', sans-serif;
    
    /* Spacing */
    --section-pad: 120px 0;
    --container-width: 1140px;
}

/* Reset & Basics */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    background-color: var(--bg-base);
    color: var(--text-primary);
    font-family: var(--font-body);
    line-height: 1.6;
    overflow-x: hidden;
    position: relative;
}

/* Micro-texture Overlay */
.texture-overlay {
    position: fixed;
    top: 0; left: 0; right: 0; bottom: 0;
    pointer-events: none;
    z-index: 9999;
    opacity: 0.02;
    background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noiseFilter'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noiseFilter)'/%3E%3C/svg%3E");
}

/* Typography Base */
h1, h2, h3, h4 {
    font-family: var(--font-heading);
    font-weight: 600;
    line-height: 1.2;
    margin-bottom: 1rem;
    color: var(--text-primary);
}

p {
    color: var(--text-secondary);
    margin-bottom: 1.5rem;
    font-weight: 300;
}

a {
    color: var(--text-primary);
    text-decoration: none;
    transition: color 0.3s ease;
}

.container {
    max-width: var(--container-width);
    margin: 0 auto;
    padding: 0 24px;
}

/* Scroll Reveal Classes */
.section-scroll {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.8s cubic-bezier(0.25, 1, 0.5, 1), transform 0.8s cubic-bezier(0.25, 1, 0.5, 1);
}

.section-scroll.visible {
    opacity: 1;
    transform: translateY(0);
}

/* Buttons */
.btn {
    display: inline-block;
    padding: 14px 28px;
    font-family: var(--font-body);
    font-weight: 500;
    font-size: 0.95rem;
    border-radius: 4px;
    cursor: pointer;
    transition: all 0.3s ease;
    text-align: center;
}

.btn-primary {
    background-color: var(--accent-gold);
    color: var(--text-dark);
    border: 1px solid var(--accent-gold);
}

.btn-primary:hover {
    background-color: var(--accent-gold-hover);
    transform: translateY(-2px);
}

.btn-secondary {
    background-color: transparent;
    color: var(--text-primary);
    border: 1px solid var(--text-secondary);
}

.btn-secondary:hover {
    border-color: var(--text-primary);
    background-color: rgba(255,255,255,0.05);
}

.btn-large {
    padding: 18px 36px;
    font-size: 1.1rem;
}

/* Navbar */
.navbar {
    position: fixed;
    top: 0; left: 0; right: 0;
    height: 80px;
    display: flex;
    align-items: center;
    z-index: 1000;
    transition: background-color 0.4s ease, border-bottom 0.4s ease;
}

.navbar.scrolled {
    background-color: rgba(8, 14, 20, 0.95);
    backdrop-filter: blur(10px);
    border-bottom: 1px solid rgba(255,255,255,0.05);
}

.nav-container {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.logo {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    font-weight: 700;
    letter-spacing: 0.5px;
}

.logo a {
    color: var(--text-primary);
}

.logo-dot {
    color: var(--accent-gold);
}

.nav-links {
    display: flex;
    gap: 32px;
    align-items: center;
}

.nav-links a:not(.btn) {
    font-size: 0.9rem;
    font-weight: 400;
}

.nav-links a:not(.btn):hover {
    color: var(--accent-gold);
}

.btn-nav {
    padding: 10px 20px;
    border: 1px solid var(--accent-gold);
    color: var(--accent-gold);
}

.btn-nav:hover {
    background-color: var(--accent-gold);
    color: var(--text-dark);
}

/* Hamburger Menu */
.hamburger {
    display: none;
    cursor: pointer;
    background: none;
    border: none;
}

.hamburger .bar {
    display: block;
    width: 25px;
    height: 2px;
    margin: 5px auto;
    background-color: var(--text-primary);
    transition: all 0.3s ease;
}

/* Mobile Menu Overlay */
.mobile-menu {
    position: fixed;
    top: 80px;
    left: 0;
    right: 0;
    background-color: var(--bg-surface);
    border-bottom: 1px solid rgba(255,255,255,0.05);
    padding: 20px;
    transform: translateY(-150%);
    opacity: 0;
    transition: all 0.4s cubic-bezier(0.25, 1, 0.5, 1);
    z-index: 990;
    pointer-events: none;
}

.mobile-menu.active {
    transform: translateY(0);
    opacity: 1;
    pointer-events: auto;
}

.mobile-nav-links {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.mobile-link {
    font-size: 1.1rem;
    padding-bottom: 10px;
    border-bottom: 1px solid rgba(255,255,255,0.05);
}

/* Hero Section */
.hero {
    padding: 180px 0 100px;
    min-height: 90vh;
    display: flex;
    align-items: center;
}

.hero-grid {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 60px;
    align-items: center;
}

.hero-title {
    font-size: 3.5rem;
    line-height: 1.1;
    margin-bottom: 24px;
    letter-spacing: -0.02em;
}

.title-dimmed {
    color: var(--text-secondary);
    font-size: 2.8rem;
    font-weight: 400;
}

.title-but {
    color: var(--accent-gold);
    font-weight: 700;
    font-size: 3rem;
}

.title-accented {
    color: var(--text-primary);
    font-weight: 600;
}

.hero-subtitle {
    font-size: 1.25rem;
    max-width: 640px;
    margin-bottom: 40px;
    font-weight: 400;
}

.subtitle-highlight {
    color: var(--text-primary);
    font-weight: 600;
}

.hero-visual {
    transform: translateY(-40px);
}

.hero-ctas {
    display: flex;
    gap: 20px;
}

/* Metrics Strip */
.trust-strip {
    border-top: 1px solid rgba(255,255,255,0.05);
    border-bottom: 1px solid rgba(255,255,255,0.05);
    background-color: var(--bg-surface);
    padding: 40px 0;
}

.trust-container {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

.trust-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
}

.trust-value-wrapper {
    display: flex;
    align-items: baseline;
    justify-content: center;
    gap: 2px;
}

.trust-icon-svg {
    width: 2.5rem;
    height: 2.5rem;
    color: var(--accent-gold);
    margin-bottom: 5px;
}

.sebi-label {
    font-weight: 600;
}

.trust-number {
    font-family: var(--font-heading);
    font-size: 2.5rem;
    color: var(--accent-gold);
    line-height: 1;
}

.trust-suffix, .trust-icon {
    font-family: var(--font-heading);
    font-size: 1.8rem;
    color: var(--accent-gold);
    line-height: 1;
}

.trust-label {
    font-size: 0.85rem;
    color: var(--text-secondary);
    margin-top: 8px;
    text-transform: uppercase;
    letter-spacing: 1px;
    line-height: 1.4;
}

/* Problem Section */
.problem-section {
    background-color: #0E1720;
    padding: 100px 0;
}

.problem-stack {
    display: flex;
    flex-direction: column;
    align-items: center;
}

.problem-quote {
    text-align: center;
    max-width: 960px;
    margin-bottom: 48px;
}

.problem-quote h2 {
    font-size: 1.95rem;
    color: var(--accent-gold);
    font-style: italic;
    font-weight: 500;
    line-height: 1.5;
}

.problem-intro {
    text-align: center;
    max-width: 720px;
    width: 100%;
    margin-bottom: 48px;
}

.problem-intro p {
    font-size: 1.05rem;
    color: var(--text-secondary);
    line-height: 1.5;
    margin-bottom: 2px;
}

.problem-intro-no {
    font-size: 1.35rem;
    font-weight: 800;
    color: var(--text-primary);
    margin-top: 8px;
    margin-bottom: 4px;
    letter-spacing: 1px;
}

.problem-intro-or {
    font-size: 1.35rem;
    font-weight: 800;
    color: var(--text-primary);
    margin-top: 6px;
    margin-bottom: 6px;
    letter-spacing: 1px;
}

/* Commitment Cards — 3+2 Grid Layout */
.problem-cards {
    display: grid;
    grid-template-columns: repeat(6, 1fr);
    gap: 20px;
    width: 100%;
}

.problem-card {
    grid-column: span 2;
    display: flex;
    flex-direction: column;
    gap: 14px;
    padding: 32px 28px;
    border: 1px solid rgba(200, 151, 42, 0.35);
    background: rgba(200, 151, 42, 0.04);
    border-radius: 16px;
    transition: background 0.3s ease, transform 0.3s ease, border-color 0.3s ease;
}

/* Center the 4th and 5th cards in the second row */
.problem-card:nth-child(4) {
    grid-column: 2 / 4;
}

.problem-card:nth-child(5) {
    grid-column: 4 / 6;
}

.problem-card:hover {
    background: rgba(200, 151, 42, 0.08);
    border-color: rgba(200, 151, 42, 0.6);
    transform: translateY(-4px);
}

.problem-card-title {
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--text-primary);
    letter-spacing: 0.3px;
    line-height: 1.4;
    font-family: var(--font-heading);
}

.problem-card-desc {
    font-size: 0.92rem;
    color: var(--text-secondary);
    line-height: 1.7;
}

/* Section Headers */
.section-header {
    margin-bottom: 60px;
    max-width: 600px;
}

.section-header h2 {
    font-size: 3rem;
}

/* Process Timeline */
.process-section {
    padding: var(--section-pad);
    background-color: var(--bg-surface);
}

.timeline {
    position: relative;
    max-width: 800px;
    margin-bottom: 60px;
}

.timeline-line {
    position: absolute;
    left: 24px;
    top: 0;
    bottom: 60px;
    width: 1px;
    background-color: rgba(255,255,255,0.1);
}

.timeline-step {
    display: flex;
    gap: 40px;
    margin-bottom: 60px;
    position: relative;
}

.step-reveal {
    opacity: 0;
    transform: translateX(-20px);
    transition: all 0.6s ease;
}

.step-reveal.visible {
    opacity: 1;
    transform: translateX(0);
}

.step-number {
    width: 50px;
    height: 50px;
    border-radius: 50%;
    border: 1px solid var(--accent-gold);
    background-color: var(--bg-surface);
    color: var(--accent-gold);
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-heading);
    font-size: 1.5rem;
    z-index: 2;
    flex-shrink: 0;
}

.step-content h3 {
    font-size: 1.5rem;
    margin-bottom: 12px;
}

/* AI/Human Bridge Callout */
.ai-human-bridge {
    background-color: #0E1720;
    padding: 30px 40px;
    border-radius: 6px;
    margin: 40px auto;
    max-width: 800px;
    border: 1px solid rgba(255, 255, 255, 0.05);
}

.ai-human-bridge p {
    font-family: var(--font-body);
    font-size: 18px;
    color: #F5F6F8;
    line-height: 1.6;
    margin-bottom: 0;
    font-weight: 400;
}

/* Section Divider */
.section-divider {
    border: none;
    height: 1px;
    background-color: oklch(from #F5F6F8 l c h / 0.08);
    width: 100%;
    margin: 0;
}

/* Cards Grid — Who We Serve (2x2 for 4 cards) */
.serve-section, .scenarios-section {
    padding: var(--section-pad);
}

.cards-grid, .case-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
}

.serve-section .cards-grid {
    grid-template-columns: repeat(2, 1fr);
}

.serve-card, .case-card {
    background-color: var(--bg-surface);
    padding: 50px 40px;
    position: relative;
    border: 1px solid rgba(255,255,255,0.03);
}

.card-accent-line {
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 2px;
    background-color: var(--accent-gold);
    opacity: 0.5;
}

.serve-card h3 {
    font-size: 1.8rem;
    margin-bottom: 20px;
}

.serve-list {
    list-style-type: none;
    padding: 0;
}

.serve-list li {
    font-size: 0.95rem;
    color: var(--text-secondary);
    margin-bottom: 12px;
    padding-left: 20px;
    position: relative;
}

.serve-list li::before {
    content: "•";
    color: var(--accent-gold);
    position: absolute;
    left: 0;
    font-weight: bold;
}

.serve-list strong {
    color: var(--text-primary);
}

.case-tag {
    display: inline-block;
    padding: 6px 12px;
    background-color: rgba(200, 151, 42, 0.1);
    color: var(--accent-gold);
    font-size: 0.8rem;
    text-transform: uppercase;
    letter-spacing: 1px;
    border-radius: 2px;
    margin-top: 10px;
}

/* Fiduciary Grid & Calculator */
.fiduciary-section {
    padding: var(--section-pad);
    background-color: var(--bg-surface);
}

.fiduciary-section .container {
    max-width: 960px;
    margin: 0 auto;
}

.fiduciary-section .section-header {
    text-align: center;
    margin-left: auto;
    margin-right: auto;
}

.fiduciary-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 40px;
}

/* Comparison Table */
.comparison-panel {
    background-color: var(--bg-base);
    border: 1px solid rgba(255,255,255,0.05);
    border-radius: 4px;
    overflow: hidden;
}

.compare-row {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr 1fr;
    border-bottom: 1px solid rgba(255,255,255,0.05);
}

.compare-row:last-child {
    border-bottom: none;
}

.compare-header {
    background-color: rgba(255,255,255,0.02);
    font-family: var(--font-heading);
    font-weight: 600;
}

.compare-header > div {
    padding: 20px;
    color: var(--text-primary);
}

.compare-row > div {
    padding: 20px;
    font-size: 0.9rem;
    display: flex;
    align-items: center;
}

.compare-col-label {
    color: var(--text-secondary);
    border-right: 1px solid rgba(255,255,255,0.05);
}

.compare-col-traditional {
    color: var(--text-secondary);
}

.compare-col-bank {
    color: var(--text-secondary);
    border-left: 1px solid rgba(255,255,255,0.05);
}

.compare-col-neurofi {
    background-color: rgba(200, 151, 42, 0.05);
    border-left: 1px solid rgba(200, 151, 42, 0.2);
    border-right: 1px solid rgba(200, 151, 42, 0.2);
}

.compare-header .compare-col-neurofi {
    color: var(--accent-gold);
    border-top: 1px solid rgba(200, 151, 42, 0.2);
}

.highlight-text {
    color: var(--text-primary);
    font-weight: 500;
}

/* Calculator Panel */
.calculator-panel {
    background-color: var(--bg-base);
    padding: 40px;
    border: 1px solid rgba(255,255,255,0.05);
    border-radius: 4px;
}

.calculator-panel h3 {
    font-size: 1.8rem;
    color: var(--accent-gold);
}

.calc-desc {
    font-size: 0.9rem;
    margin-bottom: 30px;
}

.calc-input-group label {
    display: block;
    font-size: 0.85rem;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: var(--text-secondary);
    margin-bottom: 15px;
}

.portfolio-buttons {
    display: flex;
    gap: 10px;
    margin-bottom: 30px;
}

.calc-btn {
    flex: 1;
    background: none;
    border: 1px solid rgba(255,255,255,0.1);
    color: var(--text-secondary);
    padding: 10px 0;
    cursor: pointer;
    font-family: var(--font-body);
    transition: all 0.3s;
}

.calc-btn.active {
    background-color: rgba(200, 151, 42, 0.1);
    border-color: var(--accent-gold);
    color: var(--accent-gold);
}

.calc-results {
    display: flex;
    flex-direction: column;
    gap: 15px;
    margin-bottom: 20px;
}

.result-box {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 15px 0;
    border-bottom: 1px solid rgba(255,255,255,0.05);
}

.highlighted-result {
    border-bottom: none;
    padding: 20px;
    background-color: rgba(255,255,255,0.02);
    border-radius: 4px;
    margin-top: 10px;
}

.result-label {
    font-size: 0.9rem;
    color: var(--text-secondary);
}

.result-value {
    font-family: var(--font-heading);
    font-size: 1.5rem;
}

.text-red { color: var(--accent-red); }
.text-gold { color: var(--accent-gold); font-size: 2rem; }

.calc-note {
    font-size: 0.75rem;
    color: var(--text-secondary);
    margin: 0;
}

/* Security & Data Trust Strip */
.security-strip {
    border-top: 1px solid rgba(255,255,255,0.05);
    border-bottom: 1px solid rgba(255,255,255,0.05);
    background-color: var(--bg-surface);
    padding: 50px 0;
}

.security-strip-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 40px;
}

.security-strip-item {
    display: flex;
    align-items: flex-start;
    gap: 16px;
}

.security-icon {
    width: 28px;
    height: 28px;
    color: var(--accent-gold);
    flex-shrink: 0;
    margin-top: 2px;
}

.security-strip-text {
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.security-strip-text strong {
    font-family: var(--font-heading);
    font-size: 1rem;
    color: var(--text-primary);
    font-weight: 600;
}

.security-strip-text span {
    font-size: 0.85rem;
    color: var(--text-secondary);
    line-height: 1.5;
    font-weight: 300;
}

/* CTA Footer */
.cta-footer {
    padding: 120px 0;
    background-color: var(--bg-surface);
    text-align: center;
}

.cta-footer h2 {
    font-size: 3.5rem;
    max-width: 800px;
    margin: 0 auto 40px;
}

.cta-kicker {
    font-size: 1.15rem;
    color: var(--text-secondary);
    margin-bottom: 8px;
    font-weight: 400;
    letter-spacing: 0.02em;
}

.cta-actions {
    display: flex;
    justify-content: center;
    gap: 20px;
    margin-bottom: 60px;
}

.contact-details p {
    margin-bottom: 5px;
    font-size: 0.9rem;
}

.cta-reassurance {
    font-size: 0.95rem;
    color: var(--accent-gold);
    margin-bottom: 12px;
    font-weight: 400;
}

/* Mobile Sticky CTA */
.mobile-sticky-cta {
    position: fixed;
    bottom: 0; left: 0; right: 0;
    background-color: var(--bg-surface);
    padding: 15px 20px;
    border-top: 1px solid rgba(255,255,255,0.1);
    z-index: 999;
    transform: translateY(100%);
    transition: transform 0.3s ease;
    display: none;
}

.mobile-sticky-cta.visible {
    transform: translateY(0);
}

.btn-primary-mobile {
    background-color: var(--accent-gold);
    color: var(--text-dark);
    display: block;
    width: 100%;
    text-align: center;
    padding: 15px 0;
    font-weight: 600;
    border-radius: 4px;
}

/* Footer */
.footer {
    padding: 80px 0 40px;
    border-top: 1px solid rgba(255,255,255,0.05);
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 40px;
    margin-bottom: 60px;
}

.footer-brand .logo {
    margin-bottom: 10px;
}

.footer-links h4, .footer-social h4 {
    font-size: 0.9rem;
    color: var(--text-primary);
    margin-bottom: 20px;
    text-transform: uppercase;
    letter-spacing: 1px;
}

.footer-links a, .footer-social a {
    display: block;
    color: var(--text-secondary);
    margin-bottom: 12px;
    font-size: 0.9rem;
}

.footer-links a:hover, .footer-social a:hover {
    color: var(--accent-gold);
}

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.05);
    padding-top: 30px;
    display: flex;
    flex-direction: column;
    gap: 15px;
}

.footer-bottom p {
    font-size: 0.85rem;
    margin: 0;
}

.footer-compliance {
    font-size: 0.8rem;
    color: var(--accent-gold);
    opacity: 0.7;
    letter-spacing: 0.5px;
    margin-bottom: 5px;
}

.disclaimer {
    font-size: 0.75rem !important;
    opacity: 0.6;
}

/* Utility */
.center {
    text-align: center;
    display: flex;
    justify-content: center;
}

/* Responsive Media Queries */
@media (max-width: 1024px) {
    .hero-title { font-size: 3.5rem; }
    .hero-grid { gap: 40px; }
    .trust-container { grid-template-columns: repeat(2, 1fr); gap: 40px; }
    .risk-grid { grid-template-columns: repeat(2, 1fr); }

    /* Commitment cards: 2 columns on tablets */
    .problem-cards {
        grid-template-columns: repeat(2, 1fr);
    }

    .problem-card {
        grid-column: span 1;
    }

    .problem-card:nth-child(4) {
        grid-column: span 1;
    }

    .problem-card:nth-child(5) {
        grid-column: span 1;
    }
}

@media (max-width: 768px) {
    /* Enable Mobile Sticky CTA */
    .mobile-sticky-cta { display: block; }
    
    /* Nav */
    .nav-links { display: none; }
    .hamburger { display: block; }
    .hamburger.active .bar:nth-child(2) { opacity: 0; }
    .hamburger.active .bar:nth-child(1) { transform: translateY(7px) rotate(45deg); }
    .hamburger.active .bar:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
    
    /* Grids */
    .hero-grid { grid-template-columns: 1fr; text-align: center; }
    .hero-subtitle { margin-left: auto; margin-right: auto; }
    .hero-ctas { flex-direction: column; align-items: center; }
    .hero-ctas .btn { width: 100%; }
    .hero-visual { display: none; }
    .hero { padding: 140px 0 80px; min-height: auto; }
    
    .problem-section { padding: 96px 0; }

    /* Commitment cards: single column on mobile */
    .problem-cards {
        grid-template-columns: 1fr;
    }

    .problem-card,
    .problem-card:nth-child(4),
    .problem-card:nth-child(5) {
        grid-column: span 1;
    }
    
    .serve-section .cards-grid { grid-template-columns: 1fr; }
    
    .cards-grid, .case-grid, .fiduciary-grid {
        grid-template-columns: 1fr;
    }
    
    .security-strip-grid { grid-template-columns: 1fr; gap: 24px; }
    
    /* Typography */
    .hero-title { font-size: 2.8rem; }
    .section-header h2 { font-size: 2.2rem; }
    .problem-quote h2 { font-size: 1.8rem; }
    .cta-footer h2 { font-size: 2.5rem; }
    
    /* Padding */
    :root { --section-pad: 80px 0; }
    
    .cta-actions { flex-direction: column; }
    
    .footer-grid { grid-template-columns: 1fr; gap: 30px; }
    
    /* Responsive Risk Grid */
    .risk-grid {
        grid-template-columns: 1fr;
    }
    
    /* Responsive Goal Row */
    .goal-row {
        grid-template-columns: 1fr;
        gap: 10px;
        padding: 20px 0;
    }
    .goal-title {
        font-size: 1.3rem;
    }
    .goal-desc {
        font-size: 0.95rem;
    }
}

/* Scroll Offset for sticky navbar */
section[id] {
    scroll-margin-top: 100px;
}

/* New Section Styles: Know Your Risk */
.risk-section {
    padding: var(--section-pad);
}

.risk-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
    margin-bottom: 50px;
}

.risk-card {
    background-color: var(--bg-surface);
    padding: 40px 30px;
    position: relative;
    border: 1px solid rgba(255,255,255,0.03);
    border-radius: 4px;
    transition: transform 0.3s ease, border-color 0.3s ease;
}

.risk-card:hover {
    transform: translateY(-4px);
    border-color: rgba(200, 151, 42, 0.3);
}

.risk-card h3 {
    font-size: 1.5rem;
    margin-bottom: 15px;
    color: var(--text-primary);
}

.risk-card p {
    font-size: 0.95rem;
    color: var(--text-secondary);
    line-height: 1.6;
    margin-bottom: 0;
}

.risk-footer {
    text-align: center;
    margin-top: 50px;
}

.risk-footer p {
    font-size: 1.1rem;
    color: var(--text-primary);
    margin-bottom: 25px;
}

/* New Section Styles: Clarify Your Goals */
.goals-section {
    padding: var(--section-pad);
    background-color: var(--bg-surface);
}

.goals-list {
    max-width: 900px;
    margin: 0 auto 50px;
    border-top: 1px solid rgba(255,255,255,0.08);
}

.goal-row {
    display: grid;
    grid-template-columns: 1.2fr 2fr;
    gap: 40px;
    padding: 30px 0;
    border-bottom: 1px solid rgba(255,255,255,0.08);
    align-items: center;
}

.goal-title {
    font-family: var(--font-heading);
    font-size: 1.6rem;
    font-weight: 500;
    color: var(--accent-gold);
}

.goal-desc {
    font-size: 1.05rem;
    color: var(--text-secondary);
    line-height: 1.6;
}

.goals-footer {
    text-align: center;
    margin-top: 50px;
}

.goals-footer p {
    font-size: 1.15rem;
    color: var(--text-primary);
    margin-bottom: 25px;
    font-style: italic;
}

/* Legal / Info Page Styles (About Us, Contact Us, Privacy, T&C, Refund Policy) */
.legal-page {
    padding: 160px 0 100px;
}

.legal-header {
    max-width: 800px;
    margin: 0 auto 60px;
    text-align: center;
}

.legal-header h1 {
    font-size: 2.6rem;
}

.legal-header p {
    color: var(--text-secondary);
    font-size: 1rem;
}

.legal-content {
    max-width: 800px;
    margin: 0 auto;
}

.legal-content h2 {
    font-size: 1.4rem;
    margin-top: 48px;
    margin-bottom: 16px;
    color: var(--accent-gold);
}

.legal-content h2:first-child {
    margin-top: 0;
}

.legal-content h3 {
    font-size: 1.1rem;
    margin-top: 28px;
    margin-bottom: 12px;
}

.legal-content p {
    font-size: 0.98rem;
    line-height: 1.75;
}

.legal-content ul,
.legal-content ol {
    color: var(--text-secondary);
    font-weight: 300;
    font-size: 0.98rem;
    line-height: 1.75;
    margin: 0 0 24px 20px;
}

.legal-content li {
    margin-bottom: 10px;
}

.legal-content strong {
    color: var(--text-primary);
    font-weight: 500;
}

.legal-content a {
    color: var(--accent-gold);
    text-decoration: underline;
}

.legal-meta {
    color: var(--text-secondary);
    font-size: 0.85rem;
    margin-bottom: 40px;
}

.legal-divider {
    border: none;
    border-top: 1px solid rgba(255,255,255,0.08);
    margin: 40px 0;
}

.contact-info-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 30px;
    margin: 30px 0 40px;
}

.contact-info-card {
    background-color: var(--bg-surface);
    border: 1px solid rgba(255,255,255,0.08);
    border-radius: 6px;
    padding: 28px;
}

.contact-info-card h3 {
    margin-top: 0;
    font-size: 1rem;
    color: var(--accent-gold);
}

.contact-info-card p {
    margin-bottom: 0;
    font-size: 0.95rem;
}

@media (max-width: 768px) {
    .legal-page {
        padding: 130px 0 70px;
    }

    .legal-header h1 {
        font-size: 2rem;
    }

    .contact-info-grid {
        grid-template-columns: 1fr;
    }
}