/* ============================================================
   David Holdings — Components
   Reusable chrome & UI building blocks shared across every page:
   buttons, links, logo, nav (+ mobile overlay + dropdown), footer,
   ticker, section heads, stat band, cards, breadcrumb, FAQ, forms,
   filter chips, CTA band, compliance band, scroll-reveal.
   Import AFTER base.css.
   ============================================================ */

/* ===================== BUTTONS ===================== */
.btn {
  --bg: var(--color-gold-primary);
  --fg: var(--color-bg-dark);
  position: relative;
  display: inline-flex; align-items: center; gap: 10px;
  padding: 14px 26px;
  font-family: var(--font-body);
  font-size: 13px; font-weight: 500; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--fg);
  background: var(--bg);
  border: 1px solid var(--color-gold-primary);
  cursor: pointer;
  overflow: hidden;
  isolation: isolate;
  transition: color .35s ease;
}
.btn::after {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background: linear-gradient(180deg, var(--color-gold-accent), var(--color-gold-primary));
  transform: translateX(-101%);
  transition: transform .45s var(--ease-slide);
}
.btn:hover::after { transform: translateX(0); }
.btn .ico { width: 16px; height: 16px; stroke-width: 1.6; }

.btn--outline { background: transparent; color: var(--color-gold-primary); border: 1px solid var(--color-gold-primary); }
.btn--outline::after { background: var(--color-gold-primary); }
.btn--outline:hover { color: var(--color-bg-dark); }

.btn--ghost-light { background: transparent; color: var(--color-gold-deep); border: 1px solid var(--color-gold-deep); }
.btn--ghost-light::after { background: var(--color-gold-primary); }
.btn--ghost-light:hover { color: var(--color-bg-dark); border-color: var(--color-gold-primary); }

/* Gold text link with animated underline + arrow */
.link-gold {
  font-family: var(--font-body);
  font-size: 12px; font-weight: 500; letter-spacing: 0.16em; text-transform: uppercase;
  color: var(--color-gold-deep);
  display: inline-flex; align-items: center; gap: 8px;
  border-bottom: 1px solid transparent;
  padding-bottom: 3px;
  transition: color .25s, border-color .25s, gap .25s;
}
.link-gold .ico { width: 14px; height: 14px; }
.link-gold:hover { color: var(--color-gold-primary); border-color: var(--color-gold-primary); gap: 12px; }
.on-dark .link-gold { color: var(--color-gold-primary); }

/* ===================== LOGO ===================== */
.logo { display: inline-flex; align-items: center; gap: 12px; line-height: 1; }
.logo__mark {
  width: 44px; height: 44px;
  /* path is relative to THIS css file → resolves on every page depth */
  background: #000 url("../img/logo/david-holdings-logo.jpg") center / contain no-repeat;
  border: 1px solid var(--color-gold-deep);
  flex: 0 0 44px;
}
.logo__word {
  font-family: var(--font-display);
  font-size: 19px; font-weight: 600;
  letter-spacing: 0.14em;
  color: var(--color-gold-primary);
  text-transform: uppercase;
}
.logo__word small {
  display: block;
  font-family: var(--font-body);
  font-size: 9px; letter-spacing: 0.32em;
  color: var(--color-gold-deep);
  font-weight: 500;
  margin-top: 3px;
}

/* ===================== NAV ===================== */
.nav {
  position: sticky; top: 0; z-index: 90;
  background: rgba(10,10,10,0.72);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--rule-dark);
  color: var(--color-text-light);
  transition: background var(--transition-base), border-color var(--transition-base), box-shadow var(--transition-base);
}
.nav.is-scrolled {
  background: rgba(10,10,10,0.94);
  box-shadow: 0 10px 30px rgba(0,0,0,0.35);
}
.nav__inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 32px;
  padding: 18px 0;
}
.nav__links {
  display: flex; gap: 30px; align-items: center;
  font-family: var(--font-body);
  font-size: 12.5px; letter-spacing: 0.14em; text-transform: uppercase;
  font-weight: 400;
  list-style: none; margin: 0; padding: 0;
}
.nav__links a {
  color: var(--color-text-light); opacity: 0.78;
  transition: color .2s, opacity .2s;
  padding-bottom: 4px;
  border-bottom: 1px solid transparent;
  display: inline-flex; align-items: center; gap: 6px;
}
.nav__links a:hover { color: var(--color-gold-primary); opacity: 1; }
.nav__links a[aria-current="page"] {
  color: var(--color-gold-primary);
  opacity: 1;
  border-bottom-color: var(--color-gold-primary);
}
.nav__right { display: flex; align-items: center; gap: 22px; }
.nav__portal {
  font-family: var(--font-body);
  font-size: 12.5px; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--color-text-light); opacity: 0.78;
  display: inline-flex; align-items: center; gap: 8px;
}
.nav__portal .ico { width: 14px; height: 14px; }
.nav__portal:hover { color: var(--color-gold-primary); opacity: 1; }
.nav .btn { padding: 11px 20px; font-size: 11.5px; }

/* Services dropdown (desktop, hover/focus) */
.nav__item { position: relative; }
.nav__dropdown {
  position: absolute; top: 100%; left: 50%; transform: translateX(-50%) translateY(8px);
  min-width: 250px;
  background: rgba(13,13,13,0.98);
  backdrop-filter: blur(10px);
  border: 1px solid var(--rule-dark);
  padding: 10px;
  display: flex; flex-direction: column;
  opacity: 0; visibility: hidden; pointer-events: none;
  transition: opacity .2s, transform .2s;
  z-index: 95;
}
.nav__item:hover .nav__dropdown,
.nav__item:focus-within .nav__dropdown {
  opacity: 1; visibility: visible; pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}
.nav__dropdown a {
  padding: 11px 14px; border-bottom: none;
  font-size: 12px; letter-spacing: 0.12em;
  opacity: 0.82;
}
.nav__dropdown a:hover { background: rgba(212,178,106,0.08); color: var(--color-gold-primary); }

/* Hamburger toggle — hidden on desktop */
.nav__toggle {
  display: none;
  background: transparent; border: 1px solid var(--rule-dark);
  color: var(--color-gold-primary);
  width: 44px; height: 44px;
  align-items: center; justify-content: center;
  cursor: pointer;
  transition: border-color .2s, color .2s;
}
.nav__toggle .ico { width: 22px; height: 22px; }
.nav__toggle:hover { border-color: var(--color-gold-primary); }

/* Full-screen mobile overlay menu */
.nav-overlay {
  position: fixed; inset: 0; z-index: 100;
  background: var(--color-bg-dark);
  color: var(--color-text-light);
  display: flex; flex-direction: column;
  padding: 26px var(--gutter) 48px;
  transform: translateY(-100%);
  opacity: 0; visibility: hidden;
  transition: transform .45s var(--ease-slide), opacity .35s ease, visibility .45s;
  overflow-y: auto;
}
.nav-overlay.is-open { transform: translateY(0); opacity: 1; visibility: visible; }
.nav-overlay__top { display: flex; align-items: center; justify-content: space-between; }
.nav-overlay__close {
  background: transparent; border: 1px solid var(--rule-dark);
  color: var(--color-gold-primary);
  width: 44px; height: 44px; cursor: pointer;
  display: inline-flex; align-items: center; justify-content: center;
}
.nav-overlay__close .ico { width: 22px; height: 22px; }
.nav-overlay__links { list-style: none; margin: 48px 0 0; padding: 0; }
.nav-overlay__links > li { border-top: 1px solid var(--rule-dark); }
.nav-overlay__links > li:last-child { border-bottom: 1px solid var(--rule-dark); }
.nav-overlay__links a {
  display: block; padding: 20px 0;
  font-family: var(--font-display);
  font-size: 30px; color: var(--color-text-light);
}
.nav-overlay__links a[aria-current="page"] { color: var(--color-gold-primary); }
.nav-overlay__sub { list-style: none; margin: 0 0 18px; padding: 0 0 8px 18px; }
.nav-overlay__sub a {
  font-family: var(--font-body);
  font-size: 14px; letter-spacing: 0.06em;
  text-transform: none; color: var(--color-text-light-2);
  padding: 8px 0;
}
.nav-overlay__sub-label {
  font-size: 10.5px; letter-spacing: 0.2em; text-transform: uppercase;
  color: var(--color-gold-deep); padding: 18px 0 4px;
}
.nav-overlay__cta { margin-top: 36px; display: flex; flex-direction: column; gap: 14px; }
.nav-overlay__cta .btn { justify-content: center; }
body.no-scroll { overflow: hidden; }

/* ===================== SECTION SCAFFOLDING ===================== */
.section { padding: clamp(80px, 10vw, 128px) 0; position: relative; }
.section--dark { background: var(--color-bg-dark); color: var(--color-text-light); }
.section--cream-2 { background: var(--color-bg-cream-2); }
.section__head { display: flex; flex-direction: column; gap: 18px; max-width: 760px; margin-bottom: 64px; }
.section__head h2 { color: var(--color-text-dark); }
.section--dark .section__head h2 { color: var(--color-bg-cream); }
.section__head p { color: var(--color-text-dark-2); font-size: 18px; max-width: 620px; }
.section--dark .section__head p { color: var(--color-text-light-2); }
.section__head--row {
  flex-direction: row; justify-content: space-between; align-items: flex-end;
  max-width: none; gap: 32px; flex-wrap: wrap;
}

/* ===================== TICKER ===================== */
.ticker {
  position: relative;
  background: rgba(0,0,0,0.6);
  border-top: 1px solid var(--rule-dark);
  border-bottom: 1px solid var(--rule-dark);
  overflow: hidden;
}
.ticker__track {
  display: flex; gap: 56px;
  padding: 14px 0;
  white-space: nowrap;
  animation: tickerScroll 60s linear infinite;
  width: max-content;
}
@keyframes tickerScroll { from { transform: translateX(0); } to { transform: translateX(-50%); } }
.ticker:hover .ticker__track { animation-play-state: paused; }
.ticker__item {
  display: inline-flex; align-items: baseline; gap: 10px;
  font-family: var(--font-mono); font-size: 12.5px;
  color: var(--color-text-light-2);
}
.ticker__sym { color: var(--color-gold-primary); letter-spacing: 0.06em; }
.ticker__price { color: var(--color-bg-cream); }
.up   { color: var(--color-up); }
.down { color: var(--color-down); }

/* ===================== TRUST BAND ===================== */
.trust { background: var(--color-bg-cream-2); padding: 56px 0 0; border-top: 1px solid var(--rule-soft); }
.trust__regs {
  display: flex; align-items: center; justify-content: space-between;
  gap: 28px; flex-wrap: wrap;
  padding-bottom: 56px;
  border-bottom: 1px solid var(--rule);
}
.trust__label {
  font-family: var(--font-body);
  font-size: 11px; letter-spacing: 0.22em; text-transform: uppercase;
  color: var(--color-gold-deep);
  flex: 0 0 auto;
}
.trust__logos { display: flex; gap: 48px; align-items: center; flex-wrap: wrap; }
.reg-logo {
  font-family: var(--font-display);
  font-size: 22px; letter-spacing: 0.16em;
  color: var(--color-gold-deep);
  opacity: 0.7;
  display: inline-flex; align-items: center; gap: 8px;
  font-weight: 600;
}
.reg-logo small {
  font-family: var(--font-body); font-size: 9px; letter-spacing: 0.22em;
  color: var(--color-gold-deep); opacity: 0.7; display: block;
}
.reg-logo--circle::before {
  content: ""; width: 26px; height: 26px;
  border: 1px solid var(--color-gold-deep); border-radius: 50%;
  display: inline-block;
  background: radial-gradient(circle, var(--color-gold-deep) 0%, transparent 65%);
  opacity: 0.5;
}

/* ===================== STAT BAND ===================== */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; padding: 64px 0 0; }
.stats--bare { padding: 0; }
.stat { padding: 8px 32px 8px 0; border-right: 1px solid var(--rule); }
.stat:last-child { border-right: none; }
.section--dark .stat { border-right-color: var(--rule-dark); }
.stat__num {
  font-family: var(--font-display);
  font-size: clamp(40px, 4.4vw, 58px);
  line-height: 1;
  color: var(--color-text-dark);
  font-weight: 500; letter-spacing: -0.02em;
  margin-bottom: 12px;
  font-variant-numeric: tabular-nums;
}
.section--dark .stat__num { color: var(--color-bg-cream); }
.stat__num sup { font-size: 0.55em; color: var(--color-gold-primary); font-weight: 500; margin-left: 4px; vertical-align: super; }
.stat__label { font-family: var(--font-body); font-size: 11.5px; letter-spacing: 0.18em; text-transform: uppercase; color: var(--color-gold-deep); }

/* ===================== CARD HOVER (generic) ===================== */
.card {
  background: var(--color-bg-cream);
  border: 1px solid var(--rule-soft);
  padding: 28px;
  transition: transform .3s, border-color .3s, box-shadow .3s;
}
.card:hover { transform: translateY(-2px); border-color: var(--color-gold-primary); box-shadow: 0 12px 28px var(--color-gold-shadow); }

/* ===================== VERTICAL / PRACTICE CARDS ===================== */
.verticals { display: grid; grid-template-columns: repeat(5, 1fr); border-top: 1px solid var(--rule); border-left: 1px solid var(--rule); }
.v-card {
  background: var(--color-bg-cream);
  border-right: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
  padding: 36px 28px 32px;
  display: flex; flex-direction: column;
  min-height: 380px; position: relative;
  transition: transform .35s ease, box-shadow .35s ease, background .35s ease;
}
.v-card:hover { transform: translateY(-2px); background: var(--color-bg-cream-2); box-shadow: 0 12px 28px var(--color-gold-shadow); }
.v-card__num { font-family: var(--font-display); font-style: italic; color: var(--color-gold-primary); font-size: 14px; letter-spacing: 0.14em; margin-bottom: 24px; }
.v-card__icon { width: 44px; height: 44px; color: var(--color-gold-deep); margin-bottom: 28px; }
.v-card:hover .v-card__icon { color: var(--color-gold-primary); }
.v-card__icon .ico { width: 100%; height: 100%; stroke-width: 1.3; }
.v-card h3 { color: var(--color-text-dark); margin-bottom: 10px; font-size: 24px; }
.v-card__prop { color: var(--color-text-dark-2); font-size: 14px; line-height: 1.55; margin-bottom: 22px; }
.v-card__list { list-style: none; padding: 0; margin: 0 0 28px; font-size: 13px; color: var(--color-text-dark); }
.v-card__list li { padding: 8px 0; border-top: 1px solid var(--rule-soft); display: flex; align-items: center; gap: 10px; }
.v-card__list li::before { content: ""; width: 4px; height: 4px; background: var(--color-gold-primary); flex: 0 0 4px; transform: rotate(45deg); }
.v-card .link-gold { margin-top: auto; }

/* ===================== LEADERSHIP CARDS ===================== */
.lead-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 40px; }
.lead { display: flex; flex-direction: column; }
.lead__photo {
  position: relative; aspect-ratio: 1;
  background:
    linear-gradient(135deg, rgba(212,178,106,0.18), rgba(26,20,16,0.85)),
    repeating-linear-gradient(45deg, rgba(154,123,54,0.10) 0 2px, transparent 2px 8px);
  background-color: var(--color-text-dark);
  margin-bottom: 22px; overflow: hidden;
}
.lead__photo::before { content: ""; position: absolute; inset: 12px; border: 1px solid var(--color-gold-primary); opacity: 0.5; }
.lead__photo::after { content: ""; position: absolute; top: 0; left: 0; width: 24px; height: 24px; border-top: 2px solid var(--color-gold-primary); border-left: 2px solid var(--color-gold-primary); }
.lead__mono { font-family: var(--font-display); font-style: italic; color: var(--color-gold-primary); font-size: 64px; position: absolute; bottom: 14px; right: 18px; line-height: 1; opacity: 0.55; }
.lead__name { font-family: var(--font-display); font-size: 22px; color: var(--color-text-dark); margin-bottom: 4px; }
.lead__title { font-size: 11px; letter-spacing: 0.16em; text-transform: uppercase; color: var(--color-gold-deep); margin-bottom: 14px; }
.lead__bio { font-size: 13.5px; color: var(--color-text-dark-2); line-height: 1.55; }

/* ===================== INSIGHT CARDS ===================== */
.ins-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.ins {
  background: var(--color-bg-cream);
  border: 1px solid var(--rule-soft);
  padding: 28px 28px 24px;
  display: flex; flex-direction: column;
  transition: transform .3s, border-color .3s, box-shadow .3s;
}
.ins:hover { transform: translateY(-2px); border-color: var(--color-gold-primary); box-shadow: 0 12px 28px var(--color-gold-shadow); }
.ins__meta { display: flex; justify-content: space-between; font-size: 11px; letter-spacing: 0.16em; text-transform: uppercase; color: var(--color-gold-deep); margin-bottom: 18px; }
.ins__meta .tag { color: var(--color-gold-primary); }
.ins__title { font-family: var(--font-display); font-size: 24px; color: var(--color-text-dark); margin-bottom: 14px; line-height: 1.18; }
.ins__excerpt { font-size: 14px; color: var(--color-text-dark-2); line-height: 1.6; margin-bottom: 22px; }
.ins .link-gold { margin-top: auto; }

/* ===================== BREADCRUMB ===================== */
.breadcrumb { display: flex; align-items: center; flex-wrap: wrap; gap: 8px; font-size: 11px; letter-spacing: 0.16em; text-transform: uppercase; color: var(--color-text-light-3); }
.breadcrumb a { color: var(--color-gold-deep); transition: color .2s; }
.breadcrumb a:hover { color: var(--color-gold-primary); }
.breadcrumb .ico { width: 12px; height: 12px; color: var(--color-gold-deep); opacity: 0.7; }
.breadcrumb [aria-current="page"] { color: var(--color-gold-primary); }

/* ===================== FAQ ACCORDION (details/summary) ===================== */
.faq { border-top: 1px solid var(--rule); }
.faq__item { border-bottom: 1px solid var(--rule); }
.faq__item summary {
  list-style: none; cursor: pointer;
  display: flex; align-items: center; justify-content: space-between; gap: 24px;
  padding: 24px 0;
  font-family: var(--font-display); font-size: 21px; color: var(--color-text-dark);
}
.faq__item summary::-webkit-details-marker { display: none; }
.faq__item summary .ico { width: 20px; height: 20px; color: var(--color-gold-primary); flex: none; transition: transform .3s; }
.faq__item[open] summary .ico { transform: rotate(45deg); }
.faq__item summary:hover { color: var(--color-gold-deep); }
.faq__answer { padding: 0 48px 26px 0; color: var(--color-text-dark-2); font-size: 15px; line-height: 1.7; }

/* ===================== FILTER CHIPS ===================== */
.filters { display: flex; flex-wrap: wrap; gap: 10px; }
.chip {
  font-family: var(--font-body);
  font-size: 11px; letter-spacing: 0.16em; text-transform: uppercase;
  color: var(--color-gold-deep);
  background: transparent;
  border: 1px solid var(--rule);
  padding: 9px 18px; cursor: pointer;
  transition: color .2s, border-color .2s, background .2s;
}
.chip:hover { color: var(--color-gold-primary); border-color: var(--color-gold-primary); }
.chip[aria-pressed="true"] { background: var(--color-gold-primary); color: var(--color-bg-dark); border-color: var(--color-gold-primary); }

/* ===================== FORMS ===================== */
.field { display: flex; flex-direction: column; gap: 8px; margin-bottom: 22px; }
.field label { font-size: 11px; letter-spacing: 0.16em; text-transform: uppercase; color: var(--color-gold-deep); font-weight: 500; }
.field label .req { color: var(--color-gold-primary); }
.field input, .field select, .field textarea {
  font-family: var(--font-body); font-size: 15px; color: var(--color-text-dark);
  background: var(--color-bg-cream);
  border: 1px solid var(--rule);
  padding: 13px 15px;
  transition: border-color .2s, box-shadow .2s;
  width: 100%;
}
.field textarea { resize: vertical; min-height: 130px; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--color-gold-primary);
  box-shadow: 0 0 0 3px var(--color-gold-shadow);
}
.field input::placeholder, .field textarea::placeholder { color: var(--color-text-dark-3); }
.field--error input, .field--error select, .field--error textarea { border-color: var(--color-down-ink); }
.field__error { font-size: 12px; color: var(--color-down-ink); letter-spacing: 0.02em; text-transform: none; min-height: 0; }
.form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }

/* ===================== CTA BAND ===================== */
.cta {
  background: var(--color-bg-dark);
  color: var(--color-text-light);
  padding: clamp(96px, 12vw, 160px) 0;
  text-align: center; position: relative; overflow: hidden;
}
.cta::before, .cta::after { content: ""; position: absolute; width: 240px; height: 1px; background: var(--color-gold-deep); opacity: 0.4; top: 50%; }
.cta::before { left: 0; }
.cta::after { right: 0; }
.cta__inner { max-width: 760px; margin: 0 auto; position: relative; }
.cta .ornament { margin-bottom: 28px; }
.cta h2 { color: var(--color-bg-cream); font-size: clamp(36px, 4.6vw, 58px); margin-bottom: 22px; font-weight: 400; }
.cta h2 em { font-style: italic; color: var(--color-gold-primary); font-weight: 500; }
.cta__sub { color: var(--color-text-light-2); font-size: 17px; margin-bottom: 40px; }
.cta__note { margin-top: 32px; font-size: 12px; letter-spacing: 0.16em; text-transform: uppercase; color: var(--color-gold-deep); }

/* ===================== COMPLIANCE BAND ===================== */
.compliance { background: var(--color-bg-cream-2); padding: 48px 0; border-top: 1px solid var(--rule); border-bottom: 1px solid var(--rule); font-size: 13px; }
.compliance__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 36px; align-items: center; }
.compliance__cell .lbl { font-size: 10.5px; letter-spacing: 0.2em; text-transform: uppercase; color: var(--color-gold-deep); margin-bottom: 6px; }
.compliance__cell .val { font-family: var(--font-display); font-size: 17px; color: var(--color-text-dark); }
.compliance__cell .val small { font-family: var(--font-body); font-size: 12px; color: var(--color-text-dark-3); display: block; margin-top: 2px; }

/* ===================== FOOTER ===================== */
.foot { background: var(--color-bg-dark); color: var(--color-text-light-2); border-top: 1px solid var(--rule-dark); padding: 72px 0 28px; font-size: 13px; }
.foot__top { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 56px; padding-bottom: 56px; border-bottom: 1px solid var(--rule-dark); }
.foot__brand .logo__word { font-size: 22px; color: var(--color-gold-primary); }
.foot__brand .logo__mark { width: 56px; height: 56px; flex-basis: 56px; }
.foot__addr { margin-top: 24px; line-height: 1.7; font-size: 13px; }
.foot__addr strong { color: var(--color-text-light); font-weight: 500; display: block; margin-bottom: 6px; }
.foot__col h5 { font-family: var(--font-body); font-size: 10.5px; letter-spacing: 0.22em; text-transform: uppercase; color: var(--color-gold-primary); margin: 0 0 22px; font-weight: 500; }
.foot__col ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 12px; }
.foot__col a { color: var(--color-text-light-2); transition: color .2s; }
.foot__col a:hover { color: var(--color-gold-primary); }
.foot__bot { padding-top: 28px; display: flex; justify-content: space-between; gap: 24px; flex-wrap: wrap; font-size: 12px; color: rgba(245,241,232,0.4); }
.foot__socials { display: flex; gap: 14px; }
.foot__socials a { width: 34px; height: 34px; border: 1px solid var(--color-gold-deep); display: inline-flex; align-items: center; justify-content: center; color: var(--color-gold-primary); transition: all .25s; }
.foot__socials a:hover { background: var(--color-gold-primary); color: var(--color-bg-dark); }
.foot__socials .ico { width: 14px; height: 14px; }
.foot__hairline { height: 1px; background: linear-gradient(90deg, transparent, var(--color-gold-primary), transparent); margin-top: 32px; }

/* ===================== SCROLL REVEAL =====================
   Hidden-by-default ONLY when JS is present (html.js set by an inline
   head script before paint). With JS off the content stays visible —
   never trapped at opacity:0. */
html.js .reveal { opacity: 0; transform: translateY(18px); transition: opacity .7s ease, transform .7s var(--ease-slide); }
html.js .reveal.is-visible { opacity: 1; transform: none; }
.reveal[data-reveal-delay="1"] { transition-delay: .08s; }
.reveal[data-reveal-delay="2"] { transition-delay: .16s; }
.reveal[data-reveal-delay="3"] { transition-delay: .24s; }
.reveal[data-reveal-delay="4"] { transition-delay: .32s; }
@media (prefers-reduced-motion: reduce) {
  html.js .reveal { opacity: 1; transform: none; transition: none; }
}

/* ===================== RESPONSIVE: NAV & SHARED GRIDS ===================== */
@media (max-width: 1024px) {
  .nav__links, .nav__portal { display: none; }
  .nav__toggle { display: inline-flex; }
}
@media (max-width: 960px) {
  .verticals { grid-template-columns: 1fr 1fr; }
  .verticals .v-card:nth-child(odd) { border-right: 1px solid var(--rule); }
  .stats { grid-template-columns: 1fr 1fr; gap: 32px 0; }
  .stat:nth-child(2) { border-right: none; }
  .lead-grid { grid-template-columns: 1fr 1fr; }
  .ins-grid { grid-template-columns: 1fr; }
  .compliance__grid { grid-template-columns: 1fr 1fr; }
  .foot__top { grid-template-columns: 1fr 1fr; gap: 40px; }
  .form__row { grid-template-columns: 1fr; gap: 0; }
}
@media (max-width: 640px) {
  .verticals { grid-template-columns: 1fr; }
  .v-card { min-height: 0; }
  .stats { grid-template-columns: 1fr; }
  .stat { border-right: none; border-bottom: 1px solid var(--rule); padding-bottom: 24px; }
  .stat:last-child { border-bottom: none; }
}
@media (max-width: 540px) {
  .lead-grid { grid-template-columns: 1fr; }
  .foot__top { grid-template-columns: 1fr; }
  .nav .nav__cta-text { display: none; }
}