/* ══════════════════════════════════════════════
   BFG GLOBAL — shared across all pages
   Palette: navy + blue-soft (no black/gold)
   ══════════════════════════════════════════════ */

:root {
  --navy:      #0c1e3a;
  --navy-2:    #132a52;
  --navy-3:    #1d3769;
  --navy-4:    #0a1828;
  --soft:      #b0b1d1;
  --soft-2:    #d9daea;
  --white:     #ffffff;
  --off-white: #f5f6fb;
  --ink:       #101827;
  --muted:     rgba(255,255,255,0.62);
  --muted-ink: rgba(16,24,39,0.68);
  --border:    rgba(255,255,255,0.10);
  --border-2:  rgba(176,177,209,0.22);
  --shadow:    0 18px 55px rgba(12,30,58,.22);
  --display:   'Cormorant Garamond', Georgia, serif;
  --body:      'Inter', Arial, sans-serif;
  --max:       1320px;
  --pad:       clamp(24px, 5vw, 80px);
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body { font-family: var(--body); background: var(--navy); color: var(--white); overflow-x: hidden; font-size: 16px; line-height: 1.7; }
img, video, iframe { max-width: 100%; height: auto; display: block; border: none; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { font-family: var(--body); cursor: pointer; border: none; background: none; }

::-webkit-scrollbar { width: 3px; }
::-webkit-scrollbar-track { background: var(--navy-4); }
::-webkit-scrollbar-thumb { background: var(--soft); }

/* ── Layout ── */
.wrap { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 var(--pad); }
.section { padding: clamp(60px, 8vw, 110px) 0; position: relative; }
.section--navy  { background: var(--navy);   color: var(--white); }
.section--deep  { background: var(--navy-4); color: var(--white); }
.section--mid   { background: var(--navy-2); color: var(--white); }
.section--light { background: var(--off-white); color: var(--ink); }
.section--soft  { background: var(--soft);   color: var(--navy); }

/* ── Grids ── */
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px,6vw,80px); align-items: center; }
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: 20px; }

/* ── Eyebrow ── */
.eyebrow-row { display: flex; align-items: center; gap: 1.25rem; margin-bottom: 1.75rem; }
.eyebrow-line { width: 2.5rem; height: 1px; background: var(--soft); opacity: .7; flex-shrink: 0; }
.eyebrow { font-size: 0.68rem; font-weight: 700; letter-spacing: 0.28em; text-transform: uppercase; color: var(--soft); }
.eyebrow--ink { color: var(--navy-2); }
.eyebrow-line--ink { background: var(--navy-2); }

/* ── Display headings ── */
.display { font-family: var(--display); font-weight: 600; line-height: 1.03; letter-spacing: -0.01em; color: var(--white); }
.display em { font-style: italic; color: var(--soft); }
.display--xl  { font-size: clamp(3.2rem, 6.5vw, 6.5rem); }
.display--lg  { font-size: clamp(2.4rem, 4.2vw, 4.5rem); }
.display--md  { font-size: clamp(2rem, 3.5vw, 3.6rem); }
.display--sm  { font-size: clamp(1.6rem, 2.5vw, 2.4rem); }
.display--ink { color: var(--ink); }
.display--ink em { color: var(--navy-2); }
.display--navy { color: var(--navy); }

/* ── Body text ── */
.body-text { font-size: 1rem; font-weight: 300; line-height: 1.85; color: var(--muted); max-width: 600px; }
.body-text + .body-text { margin-top: 1rem; }
.body-text--ink { color: var(--muted-ink); }
.body-text--wide { max-width: 800px; }

/* ── Buttons ── */
.btn { display: inline-flex; align-items: center; justify-content: center; padding: 1rem 2.4rem; min-height: 48px; font-size: 0.73rem; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; border: 2px solid transparent; transition: .2s ease; cursor: pointer; white-space: nowrap; }
.btn--primary { background: var(--soft); color: var(--navy); border-color: var(--soft); }
.btn--primary:hover { background: var(--soft-2); border-color: var(--soft-2); }
.btn--ghost { background: transparent; color: var(--white); border-color: rgba(255,255,255,.4); }
.btn--ghost:hover { border-color: var(--soft); color: var(--soft); }
.btn--dark { background: var(--navy-2); color: var(--white); border-color: var(--navy-2); }
.btn--dark:hover { background: var(--navy-3); border-color: var(--navy-3); }
.btn--navy { background: var(--navy); color: var(--white); border-color: var(--navy); }
.btn--navy:hover { background: var(--navy-2); }
.btn-row { display: flex; gap: 1rem; flex-wrap: wrap; align-items: center; margin-top: 2rem; }

/* ── Arrow link ── */
.arrow-link { display: inline-flex; align-items: center; gap: .7rem; color: var(--soft); font-size: 0.73rem; font-weight: 600; letter-spacing: 0.15em; text-transform: uppercase; margin-top: 2rem; transition: gap .2s; }
.arrow-link::after { content: '→'; }
.arrow-link:hover { gap: 1.2rem; }
.arrow-link--ink { color: var(--navy-2); }

/* ── Contextual video link ── */
.video-text-link { display: inline-flex; align-items: center; gap: .5rem; color: var(--soft); font-size: .72rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; margin-top: 1rem; text-decoration: underline; text-decoration-color: rgba(176,177,209,.45); text-underline-offset: 4px; }
.video-text-link::after { content: '▶'; font-size: .68rem; text-decoration: none; }
.video-text-link.page-text-link::after { content: '→'; }
.video-text-link.external-text-link::after { content: '↗'; }
.video-text-link:hover { color: var(--white); text-decoration-color: currentColor; }

/* ── Page Hero (interior pages) ── */
.page-hero {
  min-height: 82vh;
  display: flex; align-items: flex-end;
  position: relative; overflow: hidden;
  background: var(--navy-4);
  padding-bottom: 5rem;
  padding-top: 140px;
}
.page-hero-bg {
  position: absolute; inset: 0;
  background-size: cover; background-position: center;
  filter: brightness(.35) saturate(.6);
}
.page-hero-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(to top, rgba(10,24,40,.98) 0%, rgba(12,30,58,.75) 50%, rgba(19,42,82,.45) 100%);
}
.page-hero-content { position: relative; z-index: 2; padding-top: 2rem; }
.page-hero-content .eyebrow { margin-bottom: 1rem; display: block; }
.page-hero h1 { font-family: var(--display); font-size: clamp(2.8rem,5.5vw,5.5rem); font-weight: 700; line-height: .97; letter-spacing: -.02em; color: var(--white); margin-bottom: 1.5rem; }
.page-hero h1 em { font-style: italic; color: var(--soft); }
.page-hero-sub { font-size: 1.05rem; font-weight: 300; line-height: 1.8; color: rgba(255,255,255,.72); max-width: 620px; }

/* ── Cards ── */
.card { background: var(--navy-2); border: 1px solid var(--border-2); border-radius: 4px; padding: clamp(24px,3vw,40px); }
.card--light { background: var(--white); border-color: rgba(19,42,82,.12); color: var(--ink); }
.card h3 { font-family: var(--display); font-size: clamp(1.5rem,2.5vw,2rem); color: var(--white); margin-bottom: .75rem; line-height: 1.1; }
.card--light h3 { color: var(--navy); }
.card p { font-size: .9rem; color: var(--muted); line-height: 1.8; }
.card--light p { color: var(--muted-ink); }

/* ── Check list ── */
.check-list { display: flex; flex-direction: column; gap: .75rem; margin-top: 1.5rem; }
.check-list li { display: flex; gap: .85rem; align-items: flex-start; font-size: .92rem; color: var(--muted); line-height: 1.65; }
.check-list li::before { content: '✓'; color: var(--soft); font-weight: 900; flex-shrink: 0; margin-top: .05rem; }
.check-list--ink li { color: var(--muted-ink); }
.check-list--ink li::before { color: var(--navy-2); }

/* ── Step number badge ── */
.step-num { display: inline-flex; align-items: center; justify-content: center; width: 36px; height: 36px; background: var(--soft); color: var(--navy); font-size: .75rem; font-weight: 800; flex-shrink: 0; }

/* ── Stat item ── */
.stat-n { font-family: var(--display); font-size: 2.8rem; font-weight: 700; color: var(--navy); line-height: 1; }
.stat-l { font-size: .68rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: rgba(19,42,82,.62); }

/* ── Dividers ── */
.divider { height: 1px; background: var(--border); margin: 0; }

/* ════════════════════════════════════════
   NAV
════════════════════════════════════════ */
#bfg-nav {
  --logo-field-width: clamp(340px, 30vw, 480px);
  position: fixed; top: 0; left: 0; right: 0; z-index: 500;
  display: flex; align-items: center; justify-content: space-between;
  padding: 1.4rem var(--pad);
  transition: background .35s, padding .25s, border-color .35s;
  border-bottom: 1px solid transparent;
  isolation: isolate;
}
#bfg-nav::before {
  content: '';
  position: absolute; inset: 0 auto 0 0; z-index: 0;
  width: var(--logo-field-width);
  pointer-events: none;
  background: linear-gradient(105deg,
    rgba(255,255,255,.98) 0%,
    rgba(255,255,255,.95) 57%,
    rgba(255,255,255,.68) 74%,
    rgba(255,255,255,0) 100%);
  transition: width .35s cubic-bezier(.23,1,.32,1), box-shadow .35s;
}
#bfg-nav.scrolled {
  background: rgba(10,24,40,.97);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  padding: .9rem clamp(24px, 3vw, 48px);
  border-bottom-color: var(--border);
}
#bfg-nav.scrolled::before {
  width: clamp(330px, 26vw, 440px);
  background: var(--white);
  box-shadow: 16px 0 36px rgba(5,12,24,.2);
}
#bfg-nav > .nav-logo,
#bfg-nav > .nav-links,
#bfg-nav > .nav-toggle { position: relative; z-index: 1; }
.nav-logo { flex-shrink: 0; padding-right: 1rem; }
.nav-logo img { height: 96px; width: auto; object-fit: contain; display: block; transition: height .35s cubic-bezier(.23,1,.32,1); }
#bfg-nav.scrolled .nav-logo img { height: 74px; }

/* Homepage: keep the logo prominent without displacing the primary navigation. */
.home-page #bfg-nav:not(.scrolled) {
  --logo-field-width: clamp(540px, 36vw, 660px);
  padding-top: 1.15rem;
  padding-bottom: 1.15rem;
}
.home-page #bfg-nav:not(.scrolled)::before {
  bottom: -.25rem;
  background: linear-gradient(100deg,
    rgba(255,255,255,.99) 0%,
    rgba(255,255,255,.98) 56%,
    rgba(255,255,255,.88) 67%,
    rgba(255,255,255,.58) 78%,
    rgba(255,255,255,.25) 88%,
    rgba(255,255,255,.06) 96%,
    rgba(255,255,255,0) 100%);
  -webkit-mask-image: linear-gradient(to bottom,
    #000 0%, #000 58%, rgba(0,0,0,.94) 65%,
    rgba(0,0,0,.72) 73%, rgba(0,0,0,.38) 81%,
    rgba(0,0,0,.12) 89%, transparent 94%, transparent 100%);
  mask-image: linear-gradient(to bottom,
    #000 0%, #000 58%, rgba(0,0,0,.94) 65%,
    rgba(0,0,0,.72) 73%, rgba(0,0,0,.38) 81%,
    rgba(0,0,0,.12) 89%, transparent 94%, transparent 100%);
}
.home-page #bfg-nav:not(.scrolled) .nav-logo img {
  width: clamp(420px, 34vw, 470px);
  height: auto;
}

.nav-links { display: flex; gap: .2rem; align-items: center; transition: opacity .2s, transform .25s, visibility .2s; }
.nav-links a {
  display: inline-flex; align-items: center; min-height: 40px;
  padding: 8px 9px; color: rgba(255,255,255,.78);
  font-size: 0.66rem; font-weight: 600;
  letter-spacing: 0.09em; text-transform: uppercase;
  border-radius: 3px; transition: color .15s, background .15s;
  white-space: nowrap;
}
.nav-links a:hover,
.nav-links a.active { color: var(--white); background: rgba(176,177,209,.12); }
.nav-links a.nav-portal {
  background: var(--soft); color: var(--navy);
  margin-left: .5rem; padding: .65rem 1rem;
  border-radius: 3px; font-weight: 800;
}
.nav-links a.nav-portal:hover { background: var(--soft-2); }

/* ── Hamburger ── */
.nav-toggle {
  display: none;
  flex-direction: column; justify-content: center; align-items: center;
  width: 44px; height: 44px;
  background: none; border: none; cursor: pointer;
  position: relative; z-index: 600;
  -webkit-tap-highlight-color: transparent;
}
.nav-toggle .bar {
  display: block;
  width: 26px; height: 2px;
  background: var(--white); border-radius: 2px;
  position: absolute;
  transition: transform .38s cubic-bezier(.23,1,.32,1), opacity .25s ease;
}
.nav-toggle .bar-1 { transform: translateY(-8px); }
.nav-toggle .bar-2 { transform: translateY(0); }
.nav-toggle .bar-3 { transform: translateY(8px); }
#bfg-nav.nav-open .bar-1 { transform: translateY(0) rotate(45deg); }
#bfg-nav.nav-open .bar-2 { opacity: 0; transform: scaleX(0); }
#bfg-nav.nav-open .bar-3 { transform: translateY(0) rotate(-45deg); }

/* ── Mobile drawer (slides in from right) ── */
.nav-mobile {
  position: fixed;
  top: 0; right: 0; bottom: 0;
  width: min(420px, 100vw);
  z-index: 550;
  pointer-events: none;
  background: linear-gradient(160deg, rgba(12,30,58,.98) 0%, rgba(10,20,36,.99) 100%);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-left: 1px solid rgba(176,177,209,.12);
  transform: translateX(100%);
  transition: transform .48s cubic-bezier(.77,0,.18,1);
  overflow-y: auto; overflow-x: hidden;
}
.nav-mobile::before {
  content: '';
  position: fixed; inset: 0; right: min(420px, 100vw);
  background: rgba(5,12,24,.6);
  backdrop-filter: blur(3px);
  -webkit-backdrop-filter: blur(3px);
  opacity: 0; transition: opacity .4s ease;
  pointer-events: none;
}
#bfg-nav.nav-open .nav-mobile { transform: translateX(0); pointer-events: all; }
#bfg-nav.nav-open .nav-mobile::before { opacity: 1; pointer-events: all; }

.nav-mobile-inner {
  display: flex; flex-direction: column;
  min-height: 100vh;
  padding: 6rem 2.5rem 3rem;
}
.nav-mobile-links { display: flex; flex-direction: column; flex: 1; }

.nm-link {
  display: flex; align-items: center; justify-content: space-between;
  padding: 1.1rem 0;
  color: rgba(255,255,255,.55);
  font-family: var(--display);
  font-size: clamp(1.5rem, 4vw, 2rem);
  font-weight: 600; line-height: 1;
  border-bottom: 1px solid rgba(255,255,255,.07);
  text-decoration: none;
  opacity: 0; transform: translateX(28px);
  transition: opacity .38s ease, transform .38s ease, color .2s, border-color .2s;
}
#bfg-nav.nav-open .nm-link { opacity: 1; transform: translateX(0); }
.nm-link:hover { color: var(--white); border-bottom-color: rgba(176,177,209,.25); }
.nm-link.active { color: var(--soft); }

.nm-arrow {
  font-size: .9rem; color: rgba(176,177,209,.3); flex-shrink: 0; margin-left: 1rem;
  transition: transform .2s, color .2s;
}
.nm-link:hover .nm-arrow { transform: translateX(5px); color: var(--soft); }

.nav-mobile-footer {
  padding-top: 2rem; margin-top: 1rem;
  border-top: 1px solid rgba(255,255,255,.1);
  display: flex; flex-direction: column; gap: 1rem;
  opacity: 0; transform: translateY(12px);
  transition: opacity .4s ease .35s, transform .4s ease .35s;
}
#bfg-nav.nav-open .nav-mobile-footer { opacity: 1; transform: translateY(0); }

.nm-portal {
  display: inline-flex; align-items: center;
  background: var(--soft); color: var(--navy);
  padding: .9rem 1.6rem;
  font-size: .72rem; font-weight: 800;
  letter-spacing: .16em; text-transform: uppercase;
  transition: background .2s; text-decoration: none; align-self: flex-start;
}
.nm-portal:hover { background: var(--soft-2); }

.nm-contact {
  display: flex; gap: .75rem; align-items: center; flex-wrap: wrap;
  font-size: .78rem; color: rgba(255,255,255,.4);
}
.nm-contact a { color: rgba(255,255,255,.55); transition: color .2s; }
.nm-contact a:hover { color: var(--white); }

/* ════════════════════════════════════════
   FOOTER
════════════════════════════════════════ */
#bfg-footer { background: var(--navy-4); padding: 5rem var(--pad) 2rem; border-top: 1px solid var(--border); }
.footer-grid { display: grid; grid-template-columns: 1.7fr 1fr 1fr 1fr; gap: 4rem; padding-bottom: 3rem; border-bottom: 1px solid var(--border); margin-bottom: 2rem; }
.footer-logo img { height: 72px; width: auto; filter: brightness(0) invert(1); opacity: .85; margin-bottom: 1.25rem; }
.footer-desc { font-size: .82rem; color: rgba(255,255,255,.48); line-height: 1.75; max-width: 300px; }
.footer-brokercheck { margin-top: 1.5rem; display: inline-block; }
.footer-brokercheck img { height: 52px; width: auto; border-radius: 3px; opacity: .9; transition: opacity .2s; }
.footer-brokercheck:hover img { opacity: 1; }
.footer-disclosure { font-size: .76rem; color: rgba(255,255,255,.48); line-height: 1.7; margin-top: 1.25rem; max-width: 360px; }
.footer-disclosure strong { color: rgba(255,255,255,.72); }
.footer-disclosure a { color: rgba(255,255,255,.68); text-decoration: underline; text-underline-offset: 2px; }
.footer-disclosure a:hover { color: var(--white); }
#bfg-footer h4 { font-size: .61rem; letter-spacing: .24em; text-transform: uppercase; color: var(--soft); margin-bottom: 1.25rem; opacity: .85; }
#bfg-footer ul { display: flex; flex-direction: column; gap: .65rem; }
#bfg-footer ul a { color: rgba(255,255,255,.48); font-size: .82rem; transition: color .2s; }
#bfg-footer ul a:hover { color: var(--white); }
.footer-bottom { display: flex; justify-content: space-between; align-items: center; font-size: .72rem; color: rgba(255,255,255,.28); flex-wrap: wrap; gap: .5rem; }
.footer-bottom a { color: rgba(255,255,255,.35); transition: color .2s; }
.footer-bottom a:hover { color: var(--white); }

/* ════════════════════════════════════════
   FINAL CTA STRIP (reused across pages)
════════════════════════════════════════ */
.cta-strip { background: var(--soft); padding: 5rem var(--pad); text-align: center; }
.cta-strip h2 { font-family: var(--display); font-size: clamp(2rem,4vw,3.8rem); font-weight: 700; color: var(--navy); line-height: 1.05; margin-bottom: 1rem; }
.cta-strip p { font-size: 1rem; color: rgba(19,42,82,.72); max-width: 620px; margin: 0 auto 2rem; line-height: 1.8; }
.cta-strip .btn-row { justify-content: center; }

/* ════════════════════════════════════════
   VIDEO
════════════════════════════════════════ */
.video-wrap { width: 100%; aspect-ratio: 16/9; background: var(--navy-4); border: 1px solid var(--border-2); overflow: hidden; position: relative; }
.video-wrap iframe, .video-wrap video { width: 100%; height: 100%; position: absolute; inset: 0; }
.video-placeholder { width: 100%; height: 100%; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 1rem; background: linear-gradient(135deg, var(--navy-4) 0%, var(--navy-2) 100%); }
.play-icon { width: 64px; height: 64px; border-radius: 50%; background: rgba(176,177,209,.15); border: 2px solid rgba(176,177,209,.35); display: flex; align-items: center; justify-content: center; }
.play-icon::after { content: '▶'; color: var(--soft); font-size: 1.1rem; margin-left: 4px; }
.video-placeholder span { font-size: .7rem; letter-spacing: .15em; text-transform: uppercase; color: var(--soft); opacity: .7; }

/* ════════════════════════════════════════
   RESPONSIVE
════════════════════════════════════════ */
@media (max-width: 1400px) {
  .nav-links { display: none; }
  .nav-toggle { display: flex; }
}
@media (max-width: 1100px) {
  .grid-4 { grid-template-columns: repeat(2,1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2.5rem; }
}
body.nav-open { overflow: hidden; }
@media (max-width: 800px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .page-hero { min-height: 44vh; }
}
@media (max-width: 500px) {
  #bfg-nav { --logo-field-width: calc(100% - 58px); padding-left: 18px; padding-right: 14px; }
  #bfg-nav.scrolled::before { width: calc(100% - 64px); }
  .home-page #bfg-nav:not(.scrolled) { --logo-field-width: calc(100% - 44px); }
  .home-page #bfg-nav:not(.scrolled) .nav-logo img { width: min(76vw, 310px); height: auto; }
  .nav-logo img { height: 82px; }
  #bfg-nav.scrolled .nav-logo img { height: 60px; }
  .btn-row { flex-direction: column; align-items: stretch; }
  .btn { width: 100%; }
}

/* ── Mobile section padding fixes ── */
@media (max-width: 720px) {
  /* Tighten up heavy section padding on mobile */
  .education, .planning, .recognition, .portfolio-right,
  .intro-left, .contact-right { padding-top: 3.5rem !important; padding-bottom: 3.5rem !important; }
  /* Stat bar stacks cleanly */
  .stat-n { font-size: 2.2rem !important; }
  /* Purpose band readable on mobile */
  .purpose-item { font-size: .62rem; padding: 1.25rem 1rem; }
  /* Recog layout single column */
  .recog-layout { gap: 2rem; }
  /* Edu detail body readable */
  .edu-detail-body { padding: 2rem 1.5rem; }
  /* Planning steps font size */
  .step-card h3 { font-size: 1.2rem; }
  /* Hero sub text slightly smaller */
  .hero-sub { max-width: 100% !important; }
  /* Full quote padding */
  .full-quote-content { padding: 3rem var(--pad); }
  .full-quote blockquote { font-size: clamp(1.4rem, 5.5vw, 2rem); }
  /* Contact overlay readable */
  .contact-overlay { left: 1.5rem; right: 1.5rem; bottom: 2rem; max-width: none; }
  /* Footer tighten */
  .footer-grid { gap: 1.75rem; }
}

/* ════════════════════════════════════════
   Q&A / FAQ SECTIONS
════════════════════════════════════════ */
.qa-section { padding: clamp(60px,8vw,110px) 0; }
.qa-section--deep  { background: var(--navy-4); }
.qa-section--mid   { background: var(--navy-2); }
.qa-section--navy  { background: var(--navy);   }

.qa-intro { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px,6vw,80px); align-items: end; margin-bottom: clamp(40px,5vw,70px); }
.qa-intro-note { font-size: .85rem; color: rgba(255,255,255,.45); line-height: 1.75; max-width: 520px; border-left: 2px solid rgba(176,177,209,.25); padding-left: 1.25rem; margin-top: 1.5rem; }

/* Accordion items */
.qa-list { display: flex; flex-direction: column; gap: 2px; }
.qa-item { background: var(--navy-2); border-left: 3px solid transparent; transition: border-color .2s; }
.qa-item.open { border-left-color: var(--soft); }
.qa-section--mid .qa-item { background: var(--navy-3); }
.qa-section--mid .qa-item.open { background: var(--navy-4); }
.qa-section--navy .qa-item { background: var(--navy-2); }

.qa-question {
  width: 100%; display: flex; align-items: center; justify-content: space-between;
  gap: 2rem; padding: 1.75rem 2rem; cursor: pointer; background: none; border: none;
  text-align: left; color: var(--white); font-family: var(--display);
  font-size: clamp(1.1rem,1.8vw,1.45rem); font-weight: 600; line-height: 1.25;
  transition: color .2s;
}
.qa-question:hover { color: var(--soft); }
.qa-item.open .qa-question { color: var(--soft); }

.qa-chevron {
  flex-shrink: 0; width: 28px; height: 28px; border-radius: 50%;
  background: rgba(176,177,209,.12); border: 1px solid rgba(176,177,209,.22);
  display: flex; align-items: center; justify-content: center;
  transition: transform .3s, background .2s;
  font-size: .65rem; color: var(--soft);
}
.qa-item.open .qa-chevron { transform: rotate(180deg); background: rgba(176,177,209,.22); }

.qa-answer {
  max-height: 0; overflow: hidden;
  transition: max-height .4s ease, padding .3s ease;
  padding: 0 2rem;
}
.qa-item.open .qa-answer { max-height: 800px; padding: 0 2rem 2rem; }

.qa-answer p { font-size: .94rem; color: rgba(255,255,255,.68); line-height: 1.9; margin-bottom: .85rem; }
.qa-answer p:last-child { margin-bottom: 0; }
.qa-answer p strong { color: rgba(255,255,255,.88); font-weight: 600; }
.qa-answer ul { margin: .75rem 0 .85rem 0; display: flex; flex-direction: column; gap: .5rem; }
.qa-answer ul li { font-size: .92rem; color: rgba(255,255,255,.65); line-height: 1.75; padding-left: 1.25rem; position: relative; }
.qa-answer ul li::before { content: '—'; position: absolute; left: 0; color: var(--soft); opacity: .7; }
.qa-answer .disclosure-note { font-size: .76rem; color: rgba(255,255,255,.32); line-height: 1.7; border-top: 1px solid rgba(255,255,255,.08); padding-top: .85rem; margin-top: 1rem; font-style: italic; }

/* Split Q&A layout (question list left, answer panel right) */
.qa-split { display: grid; grid-template-columns: 1fr 1.1fr; gap: 3px; }
.qa-split-nav { background: var(--navy-2); }
.qa-split-nav-item {
  width: 100%; display: flex; align-items: center; justify-content: space-between;
  gap: 1rem; padding: 1.6rem 2rem; cursor: pointer; background: none; border: none;
  border-bottom: 1px solid rgba(255,255,255,.07); text-align: left;
  color: rgba(255,255,255,.6); font-size: .88rem; font-weight: 600;
  letter-spacing: .01em; transition: background .2s, color .2s; line-height: 1.35;
}
.qa-split-nav-item:hover { background: var(--navy-3); color: var(--white); }
.qa-split-nav-item.active { background: var(--navy-3); color: var(--soft); border-left: 3px solid var(--soft); }
.qa-split-answer { background: var(--navy-3); padding: 3.5rem; display: flex; flex-direction: column; justify-content: center; }
.qa-split-answer h3 { font-family: var(--display); font-size: clamp(1.4rem,2.2vw,2rem); font-weight: 600; color: var(--white); margin-bottom: 1.25rem; line-height: 1.15; }
.qa-split-answer p { font-size: .93rem; color: rgba(255,255,255,.68); line-height: 1.9; margin-bottom: .85rem; }
.qa-split-answer p:last-child { margin-bottom: 0; }
.qa-split-answer p strong { color: rgba(255,255,255,.88); }
.qa-split-answer ul { margin: .75rem 0 .85rem; display: flex; flex-direction: column; gap: .5rem; }
.qa-split-answer ul li { font-size: .91rem; color: rgba(255,255,255,.65); line-height: 1.75; padding-left: 1.25rem; position: relative; }
.qa-split-answer ul li::before { content: '—'; position: absolute; left: 0; color: var(--soft); opacity: .7; }
.qa-split-answer .disclosure-note { font-size: .75rem; color: rgba(255,255,255,.3); line-height: 1.7; border-top: 1px solid rgba(255,255,255,.08); padding-top: .85rem; margin-top: 1rem; font-style: italic; }

/* Callout box inside Q&A answers */
.qa-callout { background: rgba(176,177,209,.08); border: 1px solid rgba(176,177,209,.18); border-left: 3px solid var(--soft); padding: 1.25rem 1.5rem; margin: 1rem 0; }
.qa-callout p { font-size: .88rem !important; color: rgba(255,255,255,.72) !important; margin-bottom: 0 !important; }

/* Responsive */
@media (max-width: 1100px) {
  .qa-intro { grid-template-columns: 1fr; gap: 1.5rem; }
  .qa-split { grid-template-columns: 1fr; }
  .qa-split-nav { display: none; }
  .qa-split-answer { padding: 2.5rem; }
}
@media (max-width: 600px) {
  .qa-question { padding: 1.4rem 1.25rem; font-size: 1rem; }
  .qa-item.open .qa-answer { padding: 0 1.25rem 1.5rem; }
  .qa-split-answer { padding: 1.75rem; }
}

/* ════════════════════════════════════════
   VIDEO MODAL
════════════════════════════════════════ */
#bfg-modal {
  display: none;
  position: fixed; inset: 0; z-index: 2000;
  background: rgba(5,12,24,.92);
  backdrop-filter: blur(6px);
  align-items: center; justify-content: center;
  padding: clamp(16px,4vw,60px);
}
#bfg-modal.open { display: flex; }
.bfg-modal-inner {
  position: relative;
  width: 100%; max-width: 960px;
}
.bfg-modal-close {
  position: absolute; top: -2.5rem; right: 0;
  background: none; border: none; color: rgba(255,255,255,.7);
  font-size: 2rem; line-height: 1; cursor: pointer;
  transition: color .2s; padding: .25rem .5rem;
}
.bfg-modal-close:hover { color: var(--white); }
.bfg-modal-video {
  width: 100%; aspect-ratio: 16/9; background: #000;
  box-shadow: 0 32px 80px rgba(0,0,0,.6);
}
.bfg-modal-video iframe {
  width: 100%; height: 100%; border: none; display: block;
}

/* ── Video thumbnail trigger ── */
.video-trigger {
  width: 100%; aspect-ratio: 16/9;
  position: relative; overflow: hidden;
  background: var(--navy-4); cursor: pointer;
  display: flex; align-items: center; justify-content: center;
}
.video-trigger img {
  width: 100%; height: 100%; object-fit: cover;
  filter: brightness(.55) saturate(.65);
  transition: filter .3s, transform .4s;
  display: block; position: absolute; inset: 0;
}
.video-trigger:hover img { filter: brightness(.7) saturate(.8); transform: scale(1.03); }
.video-trigger-play {
  position: relative; z-index: 2;
  width: 72px; height: 72px; border-radius: 50%;
  background: rgba(176,177,209,.18);
  border: 2px solid rgba(176,177,209,.5);
  display: flex; align-items: center; justify-content: center;
  transition: background .2s, transform .2s;
}
.video-trigger:hover .video-trigger-play {
  background: rgba(176,177,209,.32); transform: scale(1.08);
}
.video-trigger-play::after {
  content: ''; width: 0; height: 0;
  border-style: solid; border-width: 12px 0 12px 22px;
  border-color: transparent transparent transparent var(--soft);
  margin-left: 5px;
}
.video-trigger-label {
  position: absolute; bottom: 1.25rem; left: 0; right: 0;
  text-align: center; z-index: 2;
  font-size: .65rem; letter-spacing: .2em; text-transform: uppercase;
  color: rgba(255,255,255,.55);
}

/* ════════════════════════════════════════
   FOOTER BOTTOM — BROKERCHECK RIGHT
════════════════════════════════════════ */
.footer-bottom-brokercheck img {
  height: 38px; width: auto; border-radius: 3px;
  opacity: .82; transition: opacity .2s; display: block;
}
.footer-bottom-brokercheck:hover img { opacity: 1; }
/* Remove old brand brokercheck from column (now in bottom bar) */
.footer-brokercheck-col { display: none; }

/* ════════════════════════════════════════
   SVG ICON UTILITY
════════════════════════════════════════ */
.bfg-icon {
  width: 40px; height: 40px;
  color: var(--soft);
  margin-bottom: 1.25rem;
  flex-shrink: 0;
}
.bfg-icon svg { width: 100%; height: 100%; fill: none; stroke: currentColor; stroke-width: 1.5; stroke-linecap: round; stroke-linejoin: round; }