/* ═══════════════════════════════════════════════
   TRPSH — The Right Path Starts Here
   Style Sheet
   Color System:
     --navy      #0B1D3A  Deep navy (authority, trust)
     --gold      #F5A623  Gold (achievement, CTA)
     --teal      #00A896  Teal (growth, path)
     --cream     #FDF8F2  Warm cream (backgrounds)
     --charcoal  #1E2A3B  Dark text
═══════════════════════════════════════════════ */

/* ─── Reset & Base ─── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:       #0B1D3A;
  --navy-mid:   #162D54;
  --navy-light: #1E3A6E;
  --gold:       #F5A623;
  --gold-light: #FFC355;
  --gold-dark:  #D4880D;
  --teal:       #00A896;
  --teal-dark:  #007A6E;
  --cream:      #FDF8F2;
  --white:      #FFFFFF;
  --charcoal:   #1E2A3B;
  --gray-700:   #374151;
  --gray-500:   #6B7280;
  --gray-300:   #D1D5DB;
  --gray-100:   #F3F4F6;
  --border:     #E5E7EB;
  --shadow-sm:  0 1px 3px rgba(0,0,0,.08), 0 1px 2px rgba(0,0,0,.06);
  --shadow-md:  0 4px 16px rgba(0,0,0,.10);
  --shadow-lg:  0 12px 40px rgba(0,0,0,.14);
  --radius:     12px;
  --radius-lg:  20px;
  --radius-xl:  28px;
  --transition: 0.25s cubic-bezier(0.4,0,0.2,1);
}

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

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  color: var(--charcoal);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

img, svg { display: block; max-width: 100%; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, textarea, select {
  font-family: inherit;
  font-size: 1rem;
  width: 100%;
}

/* ─── Typography ─── */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  line-height: 1.15;
  color: var(--charcoal);
}
h1 { font-size: clamp(2.2rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.75rem); }
h3 { font-size: clamp(1.25rem, 2vw, 1.6rem); font-weight: 700; }
h4 { font-size: 1.1rem; font-weight: 700; }
p  { color: var(--gray-700); }

.text-gold { color: var(--gold); }

/* ─── Container ─── */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ─── Section Utilities ─── */
.section { padding: 100px 0; }
.section--cream { background: var(--cream); }

.section-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  background: rgba(245,166,35,0.1);
  border: 1px solid rgba(245,166,35,0.25);
  border-radius: 100px;
  padding: 6px 16px;
  margin-bottom: 20px;
}
.section-label--light { color: var(--gold-light); background: rgba(255,195,85,0.12); border-color: rgba(255,195,85,0.2); }
.section-label--teal  { color: var(--teal); background: rgba(0,168,150,0.1); border-color: rgba(0,168,150,0.2); }

.section-title { margin-bottom: 20px; }
.section-title--white { color: var(--white); }
.section-sub { font-size: 1.1rem; max-width: 680px; color: var(--gray-500); line-height: 1.75; margin-bottom: 40px; }
.section-sub--light { color: rgba(255,255,255,0.75); }

/* ─── Buttons ─── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 0.95rem;
  letter-spacing: 0.02em;
  border-radius: 100px;
  padding: 12px 28px;
  transition: all var(--transition);
  white-space: nowrap;
  border: 2px solid transparent;
}
.btn--lg { padding: 15px 36px; font-size: 1rem; }
.btn--full { width: 100%; justify-content: center; }

.btn--gold {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}
.btn--gold:hover {
  background: var(--gold-light);
  border-color: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(245,166,35,0.35);
}

.btn--navy {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn--navy:hover {
  background: var(--navy-mid);
  border-color: var(--navy-mid);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(11,29,58,0.25);
}

.btn--outline-white {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.5);
}
.btn--outline-white:hover {
  background: rgba(255,255,255,0.1);
  border-color: var(--white);
  transform: translateY(-2px);
}

/* ─── Animate on Scroll ─── */
[data-animate] {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
[data-animate].in-view {
  opacity: 1;
  transform: none;
}

/* ════════════════════════════════════════════
   NAVIGATION
════════════════════════════════════════════ */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  padding: 0;
  background: transparent;
  transition: background var(--transition), box-shadow var(--transition), padding var(--transition);
}
.nav.scrolled {
  background: rgba(11,29,58,0.97);
  backdrop-filter: blur(16px);
  box-shadow: 0 2px 20px rgba(0,0,0,0.2);
}

.nav__inner {
  display: flex;
  align-items: center;
  gap: 32px;
  height: 72px;
}

.nav__logo {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}
.logo-icon { width: 40px; height: 40px; flex-shrink: 0; }
.logo-text { display: flex; flex-direction: column; }
.logo-wordmark {
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: 1.35rem;
  color: var(--white);
  letter-spacing: 0.06em;
  line-height: 1;
}
.logo-tagline {
  font-size: 0.62rem;
  color: rgba(255,255,255,0.6);
  letter-spacing: 0.05em;
  text-transform: uppercase;
  font-family: 'Montserrat', sans-serif;
  font-weight: 500;
  line-height: 1;
  margin-top: 3px;
}

.nav__links {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-left: auto;
}
.nav__link {
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: 0.875rem;
  color: rgba(255,255,255,0.8);
  padding: 8px 12px;
  border-radius: 8px;
  transition: color var(--transition), background var(--transition);
}
.nav__link:hover {
  color: var(--white);
  background: rgba(255,255,255,0.08);
}

.nav__cta { flex-shrink: 0; }

.nav__hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  margin-left: auto;
}
.nav__hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--transition);
}
.nav__hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav__hamburger.open span:nth-child(2) { opacity: 0; }
.nav__hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ════════════════════════════════════════════
   HERO
════════════════════════════════════════════ */
.hero {
  position: relative;
  background: var(--navy);
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  align-items: center;
  overflow: hidden;
}

.hero__bg-pattern {
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 20% 50%, rgba(0,168,150,0.12) 0%, transparent 50%),
    radial-gradient(circle at 80% 20%, rgba(245,166,35,0.08) 0%, transparent 45%),
    radial-gradient(circle at 60% 80%, rgba(245,166,35,0.06) 0%, transparent 40%);
  pointer-events: none;
}
.hero__bg-pattern::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.02'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.hero__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  padding-top: 160px;
  padding-bottom: 100px;
  flex: 1;
}

.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
  border: 1px solid rgba(245,166,35,0.35);
  border-radius: 100px;
  padding: 7px 16px;
  margin-bottom: 24px;
  width: fit-content;
}
.badge-dot {
  width: 8px; height: 8px;
  background: var(--teal);
  border-radius: 50%;
  animation: pulse 2s infinite;
}
@keyframes pulse {
  0%,100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(0.85); }
}

.hero__title {
  color: var(--white);
  margin-bottom: 24px;
}

.hero__sub {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.72);
  margin-bottom: 36px;
  line-height: 1.75;
}

.hero__ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 36px;
}

.hero__social-proof {
  display: flex;
  align-items: center;
  gap: 14px;
}
.avatars { display: flex; }
.avatar {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: var(--navy-mid);
  border: 2px solid var(--gold);
  color: var(--gold);
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 0.7rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-left: -8px;
}
.avatar:first-child { margin-left: 0; }
.hero__social-proof p { color: rgba(255,255,255,0.7); font-size: 0.875rem; }
.hero__social-proof strong { color: var(--white); }

/* Hero Visual */
.hero__visual { display: flex; justify-content: center; align-items: center; }
.hero__card-stack { position: relative; display: flex; flex-direction: column; gap: 16px; align-items: center; }

.hero__book {
  display: flex;
  border-radius: 8px;
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  width: 260px;
  height: 330px;
  filter: drop-shadow(0 24px 48px rgba(0,0,0,0.4));
}
.book__spine {
  width: 28px;
  background: linear-gradient(180deg, #D4880D 0%, #F5A623 50%, #D4880D 100%);
  flex-shrink: 0;
}
.book__front {
  flex: 1;
  background: linear-gradient(135deg, var(--navy-mid) 0%, var(--navy) 100%);
  padding: 24px 20px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  border: 1px solid rgba(245,166,35,0.2);
  border-left: none;
  position: relative;
}
.book__tag {
  background: var(--gold);
  color: var(--navy);
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: 0.75rem;
  letter-spacing: 0.1em;
  padding: 4px 12px;
  border-radius: 4px;
  margin-bottom: 16px;
}
.book__icon { font-size: 2rem; margin-bottom: 12px; }
.book__title {
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 1rem;
  color: var(--white);
  line-height: 1.3;
  margin-bottom: 8px;
}
.book__author {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.5);
  margin-top: auto;
}

.hero__course-pill {
  display: flex;
  align-items: center;
  gap: 14px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 100px;
  padding: 12px 20px;
  backdrop-filter: blur(8px);
  width: 260px;
}
.course-pill__icon {
  width: 36px; height: 36px;
  background: var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.875rem;
  color: var(--navy);
  flex-shrink: 0;
}
.course-pill__text { display: flex; flex-direction: column; }
.course-pill__text strong { font-family: 'Montserrat', sans-serif; font-size: 0.875rem; color: var(--white); font-weight: 700; }
.course-pill__text span { font-size: 0.75rem; color: rgba(255,255,255,0.55); }

.hero__stat-pill {
  display: flex;
  align-items: center;
  gap: 10px;
  background: var(--gold);
  border-radius: 100px;
  padding: 8px 20px;
  width: fit-content;
  align-self: flex-start;
  margin-left: 20px;
}
.stat-pill__num {
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: 1rem;
  color: var(--navy);
}
.stat-pill__label { font-size: 0.8rem; color: var(--navy); font-weight: 600; }

.hero__scroll {
  position: absolute;
  bottom: 32px;
  left: 50%;
  transform: translateX(-50%);
  color: rgba(255,255,255,0.4);
  animation: bounceY 2s infinite;
  transition: color var(--transition);
}
.hero__scroll:hover { color: rgba(255,255,255,0.8); }
@keyframes bounceY {
  0%,100% { transform: translateX(-50%) translateY(0); }
  50% { transform: translateX(-50%) translateY(8px); }
}

/* ════════════════════════════════════════════
   STATS BAR
════════════════════════════════════════════ */
.stats {
  background: var(--cream);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 40px 0;
}
.stats__grid {
  display: flex;
  align-items: center;
  justify-content: space-around;
  gap: 20px;
  flex-wrap: wrap;
}
.stat-item { text-align: center; flex: 1; min-width: 120px; }
.stat-item__num {
  display: inline;
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: 2.5rem;
  color: var(--navy);
}
.stat-item__suffix {
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: 1.5rem;
  color: var(--gold);
}
.stat-item__label {
  font-size: 0.875rem;
  color: var(--gray-500);
  margin-top: 4px;
  font-weight: 500;
}
.stat-divider {
  width: 1px;
  height: 48px;
  background: var(--border);
  flex-shrink: 0;
}

/* ════════════════════════════════════════════
   THE PROBLEM
════════════════════════════════════════════ */
.problem { text-align: center; }
.problem .section-label { margin: 0 auto 20px; }
.problem .section-title { margin-bottom: 16px; }
.problem .section-sub { margin: 0 auto 52px; }

.problem__stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-bottom: 56px;
}
.problem__stat {
  background: var(--cream);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  text-align: center;
}
.problem__num {
  display: block;
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: 3.5rem;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 12px;
}
.problem__stat p { font-size: 0.95rem; color: var(--gray-500); line-height: 1.55; }

.problem__quote {
  max-width: 760px;
  margin: 0 auto;
  background: var(--navy);
  border-radius: var(--radius-xl);
  padding: 48px 56px;
  position: relative;
  overflow: hidden;
}
.problem__quote::before {
  content: '"';
  position: absolute;
  top: -20px;
  left: 32px;
  font-size: 8rem;
  color: var(--gold);
  opacity: 0.15;
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  line-height: 1;
}
.problem__quote p {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.15rem;
  font-style: italic;
  color: rgba(255,255,255,0.9);
  line-height: 1.75;
  margin-bottom: 20px;
  position: relative;
  z-index: 1;
}
.problem__quote cite {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--gold);
  font-style: normal;
  position: relative;
  z-index: 1;
}

/* ════════════════════════════════════════════
   SOLUTIONS
════════════════════════════════════════════ */
.solutions__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.solution-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 36px 32px;
  transition: all var(--transition);
  position: relative;
}
.solution-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}
.solution-card--featured {
  border: 2px solid var(--gold);
  box-shadow: 0 0 0 4px rgba(245,166,35,0.1);
}
.solution-card--featured::before {
  content: 'Most Popular';
  position: absolute;
  top: -12px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--gold);
  color: var(--navy);
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 0.72rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 4px 16px;
  border-radius: 100px;
  white-space: nowrap;
}
.solution-card__icon {
  width: 60px; height: 60px;
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}
.solution-card__tag {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
}
.solution-card h3 { margin-bottom: 14px; font-size: 1.2rem; }
.solution-card p { font-size: 0.95rem; margin-bottom: 24px; }
.solution-card__list {
  margin-bottom: 28px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.solution-card__list li {
  font-size: 0.9rem;
  color: var(--gray-700);
  padding-left: 20px;
  position: relative;
}
.solution-card__list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--teal);
  font-weight: 700;
}
.solution-card__link {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--navy);
  transition: color var(--transition);
}
.solution-card__link:hover { color: var(--gold); }

/* ════════════════════════════════════════════
   FOR COUNSELORS
════════════════════════════════════════════ */
.counselors {
  background: var(--navy);
  position: relative;
  overflow: hidden;
}
.counselors::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 0% 100%, rgba(0,168,150,0.15) 0%, transparent 50%),
    radial-gradient(circle at 100% 0%, rgba(245,166,35,0.08) 0%, transparent 45%);
  pointer-events: none;
}
.counselors__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.benefit-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  margin-bottom: 24px;
}
.benefit-item__icon {
  width: 28px; height: 28px;
  background: var(--teal);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-weight: 700;
  font-size: 0.85rem;
  flex-shrink: 0;
  margin-top: 2px;
}
.benefit-item strong { display: block; color: var(--white); margin-bottom: 4px; font-family: 'Montserrat', sans-serif; }
.benefit-item p { color: rgba(255,255,255,0.65); font-size: 0.9rem; }

.counselors__ctas { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 36px; }

/* Counselor visual */
.counselor-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-xl);
  padding: 36px 32px;
  margin-bottom: 24px;
}
.quote-icon {
  font-size: 3rem;
  color: var(--gold);
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  line-height: 0.5;
  margin-bottom: 16px;
}
.counselor-card__quote p {
  font-family: 'Montserrat', sans-serif;
  font-size: 1rem;
  font-style: italic;
  color: rgba(255,255,255,0.85);
  line-height: 1.65;
  margin-bottom: 24px;
}
.counselor-card__author { display: flex; align-items: center; gap: 14px; }
.counselor-avatar {
  width: 44px; height: 44px;
  background: var(--gold);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  color: var(--navy);
  font-size: 0.875rem;
}
.counselor-card__author strong { display: block; color: var(--white); font-family: 'Montserrat', sans-serif; }
.counselor-card__author span { font-size: 0.8rem; color: rgba(255,255,255,0.5); }

.counselor-stats-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.c-stat {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius);
  padding: 20px;
  text-align: center;
}
.c-stat strong {
  display: block;
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: 1.75rem;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 6px;
}
.c-stat span { font-size: 0.8rem; color: rgba(255,255,255,0.5); }

/* ════════════════════════════════════════════
   COURSE MODULES
════════════════════════════════════════════ */
.course .section-label,
.course .section-title,
.course .section-sub { text-align: center; margin-left: auto; margin-right: auto; }

.course__modules {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin-bottom: 48px;
}
.module-card {
  display: flex;
  align-items: flex-start;
  gap: 20px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px 28px;
  transition: all var(--transition);
}
.module-card:hover {
  border-color: var(--gold);
  box-shadow: 0 4px 20px rgba(245,166,35,0.12);
}
.module-card__num {
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: 1.75rem;
  color: var(--gold);
  opacity: 0.3;
  flex-shrink: 0;
  line-height: 1;
  width: 44px;
}
.module-card__content h4 { margin-bottom: 8px; font-size: 1rem; }
.module-card__content p { font-size: 0.875rem; line-height: 1.6; }

.course__cta { text-align: center; }
.course__cta-note { margin-top: 14px; font-size: 0.875rem; color: var(--gray-500); }

/* ════════════════════════════════════════════
   BANKING
════════════════════════════════════════════ */
.banking { background: var(--cream); }
.banking__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.banking__benefits { margin-bottom: 36px; display: flex; flex-direction: column; gap: 24px; }
.banking-benefit {
  display: flex;
  align-items: flex-start;
  gap: 16px;
}
.banking-benefit__icon { font-size: 1.75rem; flex-shrink: 0; }
.banking-benefit h4 { margin-bottom: 4px; }
.banking-benefit p { font-size: 0.9rem; }

/* Banking card visual */
.banking-card {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 50%, #1a3a7c 100%);
  border-radius: 16px;
  padding: 28px;
  position: relative;
  overflow: hidden;
  aspect-ratio: 1.586;
  box-shadow: var(--shadow-lg);
  margin-bottom: 20px;
}
.banking-card::before {
  content: '';
  position: absolute;
  top: -40px; right: -40px;
  width: 150px; height: 150px;
  border-radius: 50%;
  background: rgba(245,166,35,0.1);
}
.banking-card__header {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 20px;
}
.banking-card__header span {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 0.875rem;
  color: rgba(255,255,255,0.8);
}
.banking-card__chip {
  width: 36px; height: 28px;
  background: linear-gradient(135deg, #d4a843, #f5c842);
  border-radius: 5px;
  margin-bottom: 16px;
}
.banking-card__info { margin-top: auto; }
.banking-card__name {
  display: block;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--white);
  letter-spacing: 0.1em;
  margin-bottom: 6px;
}
.banking-card__num {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.875rem;
  color: rgba(255,255,255,0.6);
  letter-spacing: 0.15em;
}
.banking-card__brand {
  position: absolute;
  bottom: 20px;
  right: 24px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.65rem;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.banking-stat-row {
  display: flex;
  gap: 16px;
}
.b-stat {
  flex: 1;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 16px;
  text-align: center;
}
.b-stat strong {
  display: block;
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 1.2rem;
  color: var(--navy);
  margin-bottom: 4px;
}
.b-stat span { font-size: 0.78rem; color: var(--gray-500); }

/* ════════════════════════════════════════════
   FREE BOOK
════════════════════════════════════════════ */
.book__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

/* 3D book */
.book-3d {
  display: flex;
  filter: drop-shadow(0 24px 48px rgba(0,0,0,0.2));
  width: 280px;
  height: 360px;
  margin: 0 auto 32px;
}
.book-3d__spine {
  width: 32px;
  background: linear-gradient(180deg, #c47d0e 0%, var(--gold) 50%, #c47d0e 100%);
  border-radius: 4px 0 0 4px;
  flex-shrink: 0;
}
.book-3d__front {
  flex: 1;
  background: linear-gradient(160deg, var(--navy-mid), var(--navy));
  border: 2px solid rgba(245,166,35,0.2);
  border-left: none;
  border-radius: 0 8px 8px 0;
  padding: 28px 24px;
  display: flex;
  flex-direction: column;
  position: relative;
  overflow: hidden;
}
.book-3d__front::after {
  content: '';
  position: absolute;
  top: 0; right: 0;
  width: 40%;
  height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,0.04));
  pointer-events: none;
}
.book-3d__tag {
  background: var(--gold);
  color: var(--navy);
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: 0.72rem;
  letter-spacing: 0.12em;
  padding: 4px 12px;
  border-radius: 4px;
  width: fit-content;
  margin-bottom: 20px;
}
.book-3d__icon { font-size: 2.25rem; margin-bottom: 16px; }
.book-3d__title {
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 1.1rem;
  color: var(--white);
  line-height: 1.35;
  margin-bottom: auto;
}
.book-3d__title em { font-style: italic; color: var(--gold); }
.book-3d__author {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.45);
  margin-top: 16px;
}
.book-3d__bar {
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--teal));
  border-radius: 2px;
  margin-top: 12px;
}

.book__inside-peek {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px 28px;
}
.inside-peek__label {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--gray-500);
  margin-bottom: 14px;
}
.book__inside-peek ul { display: flex; flex-direction: column; gap: 10px; }
.book__inside-peek li {
  font-size: 0.9rem;
  color: var(--gray-700);
  font-weight: 500;
}

/* Form */
.book__form-success, .contact__form-success {
  text-align: center;
  padding: 48px 32px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
}
.success-icon {
  width: 60px; height: 60px;
  background: var(--teal);
  color: var(--white);
  border-radius: 50%;
  font-size: 1.5rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  font-weight: 700;
}
.book__form-success h3, .contact__form-success h3 {
  color: var(--navy);
  margin-bottom: 10px;
}

/* Form elements */
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { display: flex; flex-direction: column; gap: 7px; margin-bottom: 16px; }
.form-group label {
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: 0.85rem;
  color: var(--charcoal);
}
.form-group input,
.form-group select,
.form-group textarea {
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: 10px;
  color: var(--charcoal);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
  resize: vertical;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(11,29,58,0.1);
}
.form-group input.error,
.form-group select.error,
.form-group textarea.error { border-color: #e53e3e; }
.form__note {
  text-align: center;
  font-size: 0.8rem;
  color: var(--gray-500);
  margin-top: 14px;
}

/* ════════════════════════════════════════════
   TESTIMONIALS
════════════════════════════════════════════ */
.testimonials {
  background: var(--navy);
  overflow: hidden;
  padding: 100px 0;
}
.testimonials .section-label,
.testimonials .section-title { color: var(--white); }
.testimonials .section-label { color: var(--gold); background: rgba(245,166,35,0.12); }
.testimonials .container { text-align: center; margin-bottom: 60px; }

.testimonials__track-wrapper { position: relative; }

.testimonials__fade {
  position: absolute;
  top: 0; bottom: 0;
  width: 120px;
  z-index: 2;
  pointer-events: none;
}
.testimonials__fade--left {
  left: 0;
  background: linear-gradient(90deg, var(--navy) 0%, transparent 100%);
}
.testimonials__fade--right {
  right: 0;
  background: linear-gradient(270deg, var(--navy) 0%, transparent 100%);
}

.testimonials__track {
  display: flex;
  gap: 20px;
  margin-bottom: 20px;
  width: max-content;
  animation: scrollLeft 40s linear infinite;
}
.testimonials__track:hover { animation-play-state: paused; }
.testimonials__track--reverse {
  animation: scrollRight 45s linear infinite;
}
.testimonials__track--reverse:hover { animation-play-state: paused; }

@keyframes scrollLeft {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
@keyframes scrollRight {
  0%   { transform: translateX(-50%); }
  100% { transform: translateX(0); }
}

/* Testimonial cards */
.t-card {
  flex-shrink: 0;
  width: 340px;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: 28px;
  transition: background var(--transition), border-color var(--transition);
}
.t-card:hover {
  background: rgba(255,255,255,0.08);
  border-color: rgba(255,255,255,0.18);
}
.t-card__stars {
  color: var(--gold);
  font-size: 0.875rem;
  letter-spacing: 2px;
  margin-bottom: 14px;
}
.t-card__quote {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.8);
  line-height: 1.65;
  margin-bottom: 20px;
  font-style: italic;
}
.t-card__author { display: flex; align-items: center; gap: 12px; }
.t-avatar {
  width: 40px; height: 40px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 0.78rem;
  flex-shrink: 0;
}
.t-avatar--navy { background: var(--navy-light); color: var(--gold); border: 1px solid rgba(245,166,35,0.3); }
.t-avatar--teal  { background: var(--teal-dark); color: var(--white); }
.t-avatar--gold  { background: var(--gold); color: var(--navy); }
.t-card__author strong { display: block; color: var(--white); font-family: 'Montserrat', sans-serif; font-size: 0.875rem; }
.t-card__author span  { font-size: 0.78rem; color: rgba(255,255,255,0.45); }

/* ════════════════════════════════════════════
   FAQ
════════════════════════════════════════════ */
.faq__inner { max-width: 780px; margin: 0 auto; }
.faq .section-label,
.faq .section-title { text-align: center; margin-left: auto; margin-right: auto; }
.faq__list { margin-top: 12px; }

.faq-item {
  border-bottom: 1px solid var(--border);
}
.faq-item:first-child { border-top: 1px solid var(--border); }

.faq-item__q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 22px 0;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 1rem;
  color: var(--charcoal);
  text-align: left;
  transition: color var(--transition);
}
.faq-item__q:hover { color: var(--navy); }
.faq-item__q[aria-expanded="true"] { color: var(--navy); }
.faq-item__q[aria-expanded="true"] .faq-item__icon { transform: rotate(45deg); color: var(--gold); }

.faq-item__icon {
  font-size: 1.5rem;
  color: var(--gray-300);
  flex-shrink: 0;
  transition: transform var(--transition), color var(--transition);
  line-height: 1;
}

.faq-item__a {
  display: none;
  padding-bottom: 24px;
}
.faq-item__a.open { display: block; }
.faq-item__a p { font-size: 0.95rem; line-height: 1.75; color: var(--gray-700); }

/* ════════════════════════════════════════════
   CONTACT
════════════════════════════════════════════ */
.contact { background: var(--navy); }
.contact__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}
.contact__paths { display: flex; flex-direction: column; gap: 24px; }
.contact-path {
  display: flex;
  align-items: flex-start;
  gap: 16px;
}
.contact-path__icon { font-size: 1.5rem; flex-shrink: 0; margin-top: 2px; }
.contact-path h4 { color: var(--white); margin-bottom: 4px; font-size: 1rem; }
.contact-path p { font-size: 0.875rem; color: rgba(255,255,255,0.6); }

.contact__form-wrap {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 40px;
}
.contact__form h3 {
  margin-bottom: 28px;
  font-size: 1.4rem;
  color: var(--navy);
}

/* ════════════════════════════════════════════
   FOOTER
════════════════════════════════════════════ */
.footer { background: #06111f; }

.footer__inner {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 60px;
  padding-top: 72px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.nav__logo--footer .logo-wordmark { font-size: 1.2rem; }

.footer__brand-desc {
  margin-top: 20px;
  font-size: 0.9rem;
  color: rgba(255,255,255,0.45);
  max-width: 380px;
  line-height: 1.65;
}

.footer__links { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.footer__col h5 {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 0.8rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  margin-bottom: 16px;
}
.footer__col ul { display: flex; flex-direction: column; gap: 10px; }
.footer__col a {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.55);
  transition: color var(--transition);
}
.footer__col a:hover { color: var(--gold); }

.footer__bottom { padding: 20px 0; }
.footer__bottom-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}
.footer__bottom p { font-size: 0.8rem; color: rgba(255,255,255,0.25); }
.footer__legal { display: flex; gap: 24px; }
.footer__legal a {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.25);
  transition: color var(--transition);
}
.footer__legal a:hover { color: rgba(255,255,255,0.55); }

/* ════════════════════════════════════════════
   RESPONSIVE
════════════════════════════════════════════ */
@media (max-width: 1024px) {
  .hero__inner { grid-template-columns: 1fr; gap: 40px; text-align: center; padding-top: 120px; }
  .hero__visual { order: -1; }
  .hero__ctas, .hero__social-proof { justify-content: center; }
  .hero__badge { margin: 0 auto 24px; }
  .hero__sub { max-width: 600px; margin-left: auto; margin-right: auto; }
  .solutions__grid { grid-template-columns: 1fr; max-width: 500px; margin: 0 auto; }
  .counselors__inner { grid-template-columns: 1fr; gap: 48px; }
  .course__modules { grid-template-columns: 1fr; }
  .banking__inner { grid-template-columns: 1fr; gap: 48px; }
  .book__inner { grid-template-columns: 1fr; gap: 48px; }
  .contact__inner { grid-template-columns: 1fr; gap: 48px; }
  .footer__inner { grid-template-columns: 1fr; }
  .footer__links { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 768px) {
  .section { padding: 72px 0; }
  .nav__links, .nav__cta { display: none; }
  .nav__hamburger { display: flex; }

  /* Mobile menu */
  .nav__links.mobile-open {
    display: flex;
    flex-direction: column;
    position: fixed;
    top: 72px; left: 0; right: 0; bottom: 0;
    background: var(--navy);
    padding: 32px 24px;
    gap: 8px;
    z-index: 999;
    overflow-y: auto;
  }
  .nav__links.mobile-open .nav__link {
    font-size: 1.2rem;
    padding: 16px;
    border-radius: 12px;
  }

  .problem__stats { grid-template-columns: 1fr; }
  .counselor-stats-grid { grid-template-columns: repeat(4, 1fr); }
  .form-row { grid-template-columns: 1fr; }
  .footer__links { grid-template-columns: 1fr 1fr; }
  .stats__grid { flex-wrap: wrap; }
  .stat-divider { display: none; }
  .stat-item { min-width: 45%; }
  .hero__book { width: 200px; height: 260px; }
}

@media (max-width: 480px) {
  .hero__ctas { flex-direction: column; }
  .hero__ctas .btn { width: 100%; justify-content: center; }
  .hero__course-pill { width: 100%; max-width: 260px; }
  .problem__quote { padding: 32px 28px; }
  .contact__form-wrap { padding: 28px 24px; }
  .footer__links { grid-template-columns: 1fr; }
  .counselors__ctas { flex-direction: column; }
}