/*
Theme Name: Luminary Tax & Accounting
Theme URI: https://www.luminarytaxandaccounting.com
Author: Luminary Tax & Accounting
Description: Custom theme for Luminary Tax & Accounting, converted from static design.
Version: 1.0
Text Domain: luminary
*/

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy: #0d1b2a;
  --navy-mid: #162236;
  --navy-light: #1e3050;
  --gold: #c9a84c;
  --gold-light: #e8c97e;
  --gold-pale: #f5e9c8;
  --white: #ffffff;
  --off-white: #f8f7f4;
  --muted: #8a9ab5;
  --text: #1a2840;
}

html { scroll-behavior: smooth; }

html, body { overflow-x: hidden; }

.nav-inner { min-width: 0; }
.logo { min-width: 0; flex-shrink: 1; }
nav .custom-logo-link,
nav .custom-logo-link img,
nav img.custom-logo {
  min-width: 0;
}

@media (max-width: 480px) {
  .nav-inner { padding: 0 1rem; height: 72px; }
  .logo-img,
  nav .custom-logo-link img,
  nav img.custom-logo {
    height: 44px !important;
    max-height: 44px !important;
    max-width: 160px !important;
  }
  .hamburger { flex-shrink: 0; }
}

body {
  font-family: 'Inter', sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
}
    /* ── NAV ── */
    nav {
      position: fixed;
      top: 0; left: 0; right: 0;
      z-index: 100;
      background: rgba(13,27,42,0.97);
      backdrop-filter: blur(8px);
      border-bottom: 1px solid rgba(201,168,76,0.15);
    }
    .nav-inner {
      max-width: 1140px;
      margin: 0 auto;
      padding: 0 2rem;
      height: 108px;
      display: flex;
      align-items: center;
      justify-content: space-between;
    }
    .logo {
      display: flex;
      align-items: center;
      gap: 0.6rem;
      text-decoration: none;
    }
    .logo-img {
      height: 60px;
      width: auto;
      display: block;
    }
    nav .custom-logo-link { display: flex; align-items: center; max-width: 220px; overflow: hidden; }
    nav .custom-logo-link img,
    nav img.custom-logo {
      height: 60px !important;
      width: auto !important;
      max-height: 60px !important;
      max-width: 220px !important;
      object-fit: contain;
      display: block;
    }
    .nav-links {
      display: flex;
      align-items: center;
      gap: 2rem;
      list-style: none;
    }
    .nav-links a {
      color: rgba(255,255,255,0.75);
      text-decoration: none;
      font-size: 0.9rem;
      font-weight: 500;
      transition: color 0.2s;
    }
    .nav-links a:hover { color: var(--gold-light); }
    .btn-nav {
      background: linear-gradient(135deg, var(--gold), var(--gold-light));
      color: var(--navy) !important;
      font-weight: 700 !important;
      padding: 0.5rem 1.25rem;
      border-radius: 6px;
      transition: opacity 0.2s !important;
    }
    .btn-nav:hover { opacity: 0.88; }

    /* ── HERO ── */
    .hero {
      background:
        linear-gradient(160deg, rgba(13,27,42,0.88) 0%, rgba(22,34,54,0.85) 60%, rgba(15,37,64,0.88) 100%),
        url('https://images.unsplash.com/photo-1519501025264-65ba15a82390?auto=format&fit=crop&w=1920&q=80') center/cover no-repeat;
      min-height: 100vh;
      display: flex;
      align-items: center;
      padding: 128px 2rem 80px;
      position: relative;
      overflow: hidden;
    }
    .hero::before {
      content: '';
      position: absolute;
      top: -200px; right: -200px;
      width: 700px; height: 700px;
      background: radial-gradient(circle, rgba(201,168,76,0.07) 0%, transparent 70%);
      pointer-events: none;
    }
    .hero::after {
      content: '';
      position: absolute;
      bottom: -100px; left: -100px;
      width: 500px; height: 500px;
      background: radial-gradient(circle, rgba(201,168,76,0.05) 0%, transparent 70%);
      pointer-events: none;
    }
    .hero-inner {
      max-width: 1140px;
      margin: 0 auto;
      width: 100%;
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 4rem;
      align-items: center;
    }
    .hero-eyebrow {
      display: inline-flex;
      align-items: center;
      gap: 0.5rem;
      background: rgba(201,168,76,0.12);
      border: 1px solid rgba(201,168,76,0.3);
      color: var(--gold-light);
      font-size: 0.78rem;
      font-weight: 600;
      letter-spacing: 0.08em;
      text-transform: uppercase;
      padding: 0.35rem 0.9rem;
      border-radius: 100px;
      margin-bottom: 1.5rem;
    }
    .hero h1 {
      font-family: 'Playfair Display', serif;
      font-size: clamp(2.4rem, 4.5vw, 3.6rem);
      font-weight: 800;
      color: var(--white);
      line-height: 1.15;
      margin-bottom: 1.5rem;
    }
    .hero h1 em {
      font-style: normal;
      background: linear-gradient(90deg, var(--gold), var(--gold-light));
      -webkit-background-clip: text;
      -webkit-text-fill-color: transparent;
      background-clip: text;
    }
    .hero-sub {
      color: rgba(255,255,255,0.68);
      font-size: 1.1rem;
      line-height: 1.7;
      margin-bottom: 2.5rem;
      max-width: 500px;
    }
    .hero-ctas {
      display: flex;
      gap: 1rem;
      flex-wrap: wrap;
    }
    .btn-primary {
      background: linear-gradient(135deg, var(--gold), var(--gold-light));
      color: var(--navy);
      font-weight: 700;
      font-size: 0.95rem;
      padding: 0.85rem 2rem;
      border-radius: 8px;
      border: none;
      cursor: pointer;
      text-decoration: none;
      display: inline-flex;
      align-items: center;
      gap: 0.5rem;
      transition: transform 0.2s, box-shadow 0.2s;
      box-shadow: 0 4px 20px rgba(201,168,76,0.3);
    }
    .btn-primary:hover {
      transform: translateY(-2px);
      box-shadow: 0 8px 28px rgba(201,168,76,0.4);
    }
    .btn-ghost {
      color: rgba(255,255,255,0.8);
      font-weight: 600;
      font-size: 0.95rem;
      padding: 0.85rem 1.75rem;
      border-radius: 8px;
      border: 1px solid rgba(255,255,255,0.2);
      cursor: pointer;
      text-decoration: none;
      display: inline-flex;
      align-items: center;
      gap: 0.5rem;
      transition: border-color 0.2s, color 0.2s;
    }
    .btn-ghost:hover {
      border-color: var(--gold);
      color: var(--gold-light);
    }
    .hero-individual-link {
      display: inline-flex;
      align-items: center;
      gap: 0.5rem;
      margin-top: 1.6rem;
      font-size: 0.95rem;
      color: rgba(255,255,255,0.5);
      text-decoration: none;
      transition: color 0.2s;
      letter-spacing: 0.01em;
    }
    .hero-individual-link:hover { color: var(--gold-light); }
    .hero-trust {
      display: flex;
      align-items: center;
      gap: 1.5rem;
      margin-top: 2.5rem;
      padding-top: 2rem;
      border-top: 1px solid rgba(255,255,255,0.1);
    }
    .trust-item {
      text-align: center;
    }
    .trust-num {
      font-family: 'Playfair Display', serif;
      font-size: 1.6rem;
      font-weight: 800;
      color: var(--gold-light);
    }
    .trust-label {
      font-size: 0.75rem;
      color: rgba(255,255,255,0.5);
      text-transform: uppercase;
      letter-spacing: 0.06em;
    }
    .trust-divider {
      width: 1px;
      height: 36px;
      background: rgba(255,255,255,0.12);
    }

    /* Hero right: "Everything included" card */
    .hero-card {
      background: rgba(255,255,255,0.04);
      border: 1px solid rgba(201,168,76,0.2);
      border-radius: 20px;
      padding: 2.5rem;
      backdrop-filter: blur(10px);
    }
    .hero-card-label {
      font-size: 0.75rem;
      font-weight: 700;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      color: var(--gold);
      margin-bottom: 1.5rem;
    }
    .service-check-list {
      list-style: none;
      display: flex;
      flex-direction: column;
      gap: 1rem;
    }
    .service-check-list li {
      display: flex;
      align-items: flex-start;
      gap: 0.85rem;
      color: rgba(255,255,255,0.85);
      font-size: 0.95rem;
      line-height: 1.4;
    }
    .check-icon {
      flex-shrink: 0;
      width: 22px; height: 22px;
      background: rgba(201,168,76,0.15);
      border: 1px solid rgba(201,168,76,0.4);
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      margin-top: 1px;
    }
    .check-icon svg { width: 11px; height: 11px; }
    .hero-card-footer {
      margin-top: 2rem;
      padding-top: 1.5rem;
      border-top: 1px solid rgba(255,255,255,0.08);
      display: flex;
      align-items: center;
      gap: 0.75rem;
    }
    .pill {
      background: rgba(201,168,76,0.15);
      border: 1px solid rgba(201,168,76,0.3);
      color: var(--gold-light);
      font-size: 0.75rem;
      font-weight: 600;
      padding: 0.3rem 0.75rem;
      border-radius: 100px;
    }

    /* ── SECTION COMMONS ── */
    section { padding: 96px 2rem; }
    .section-inner { max-width: 1140px; margin: 0 auto; }
    .section-eyebrow {
      display: inline-flex;
      align-items: center;
      gap: 0.5rem;
      color: var(--gold);
      font-size: 0.78rem;
      font-weight: 700;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      margin-bottom: 1rem;
    }
    .section-eyebrow::before {
      content: '';
      display: block;
      width: 24px; height: 2px;
      background: var(--gold);
      border-radius: 2px;
    }
    h2 {
      font-family: 'Playfair Display', serif;
      font-size: clamp(1.9rem, 3.5vw, 2.75rem);
      font-weight: 800;
      line-height: 1.2;
      margin-bottom: 1rem;
    }
    .section-sub {
      font-size: 1.05rem;
      color: #5a6e87;
      max-width: 560px;
      line-height: 1.7;
    }

    /* ── WE DO IT ALL ── */
    .all-in {
      background: var(--off-white);
    }
    .all-in-header {
      text-align: center;
      margin-bottom: 4rem;
    }
    .all-in-header .section-eyebrow { justify-content: center; }
    .all-in-header .section-sub { margin: 0 auto; }
    .services-grid {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 1.5rem;
    }
    .service-card {
      background: var(--white);
      border-radius: 16px;
      padding: 2rem;
      border: 1px solid #e8edf4;
      transition: transform 0.25s, box-shadow 0.25s, border-color 0.25s;
      position: relative;
      overflow: hidden;
    }
    .service-card::before {
      content: '';
      position: absolute;
      top: 0; left: 0; right: 0;
      height: 3px;
      background: linear-gradient(90deg, var(--gold), var(--gold-light));
      transform: scaleX(0);
      transition: transform 0.3s;
      transform-origin: left;
    }
    .service-card:hover { transform: translateY(-4px); box-shadow: 0 16px 40px rgba(0,0,0,0.09); border-color: transparent; }
    .service-card:hover::before { transform: scaleX(1); }
    .service-icon {
      width: 48px; height: 48px;
      background: linear-gradient(135deg, rgba(201,168,76,0.12), rgba(232,201,126,0.08));
      border-radius: 12px;
      display: flex; align-items: center; justify-content: center;
      margin-bottom: 1.25rem;
      font-size: 1.4rem;
    }
    .service-card h3 {
      font-size: 1.05rem;
      font-weight: 700;
      margin-bottom: 0.6rem;
      color: var(--navy);
    }
    .service-card p {
      font-size: 0.9rem;
      color: #6b7d95;
      line-height: 1.6;
    }
    .service-tag {
      display: inline-block;
      margin-top: 1rem;
      background: rgba(201,168,76,0.1);
      color: #8a6f1e;
      font-size: 0.72rem;
      font-weight: 700;
      letter-spacing: 0.06em;
      text-transform: uppercase;
      padding: 0.25rem 0.6rem;
      border-radius: 4px;
    }

    /* ── WHY LUMINARY ── */
    .why {
      background: var(--navy);
    }
    .why-inner {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 5rem;
      align-items: start;
    }
    .why h2 { color: var(--white); }
    .why .section-sub { color: rgba(255,255,255,0.55); }
    .why-points {
      list-style: none;
      margin-top: 2.5rem;
      display: flex;
      flex-direction: column;
      gap: 1.5rem;
    }
    .why-point {
      display: flex;
      gap: 1.1rem;
      align-items: flex-start;
    }
    .why-point-icon {
      flex-shrink: 0;
      width: 40px; height: 40px;
      background: rgba(201,168,76,0.12);
      border: 1px solid rgba(201,168,76,0.25);
      border-radius: 10px;
      display: flex; align-items: center; justify-content: center;
      font-size: 1.1rem;
      margin-top: 2px;
    }
    .why-point-text h4 {
      font-size: 0.95rem;
      font-weight: 700;
      color: var(--white);
      margin-bottom: 0.3rem;
    }
    .why-point-text p {
      font-size: 0.88rem;
      color: rgba(255,255,255,0.5);
      line-height: 1.6;
    }
    /* ── COMPARE TABLE (full-width) ── */
    .compare-section {
      background: var(--navy-mid);
      padding: 72px 2rem;
      border-top: 1px solid rgba(255,255,255,0.06);
    }
    .compare-section-header {
      text-align: center;
      margin-bottom: 2.5rem;
    }
    .compare-section-header h3 {
      font-family: 'Playfair Display', serif;
      font-size: clamp(1.5rem, 2.5vw, 2rem);
      font-weight: 800;
      color: var(--white);
      margin-bottom: 0.6rem;
    }
    .compare-section-header p {
      font-size: 0.95rem;
      color: rgba(255,255,255,0.45);
    }
    .compare-card {
      background: rgba(255,255,255,0.03);
      border: 1px solid rgba(255,255,255,0.08);
      border-radius: 20px;
      overflow: hidden;
      max-width: 1000px;
      margin: 0 auto;
    }
    .compare-header {
      display: grid;
      grid-template-columns: 1.6fr 1fr 1fr 1fr;
      background: rgba(255,255,255,0.04);
      border-bottom: 1px solid rgba(255,255,255,0.08);
    }
    .compare-col {
      padding: 1.1rem 1.5rem;
      font-size: 0.78rem;
      font-weight: 700;
      letter-spacing: 0.07em;
      text-transform: uppercase;
    }
    .compare-col.luminary-col {
      background: rgba(201,168,76,0.14);
      color: var(--gold-light);
      border-left: 1px solid rgba(201,168,76,0.3);
      border-right: 1px solid rgba(201,168,76,0.3);
      text-align: center;
    }
    .compare-col:first-child { color: rgba(255,255,255,0.35); }
    .compare-col:not(:first-child):not(.luminary-col) { color: rgba(255,255,255,0.35); text-align: center; }
    .compare-row {
      display: grid;
      grid-template-columns: 1.6fr 1fr 1fr 1fr;
      border-bottom: 1px solid rgba(255,255,255,0.05);
      transition: background 0.2s;
    }
    .compare-row:last-child { border-bottom: none; }
    .compare-row:hover { background: rgba(255,255,255,0.02); }
    .compare-cell {
      padding: 1rem 1.5rem;
      font-size: 0.92rem;
      color: rgba(255,255,255,0.5);
      display: flex;
      align-items: center;
      gap: 0.5rem;
    }
    .compare-cell.luminary-cell {
      background: rgba(201,168,76,0.07);
      color: rgba(255,255,255,0.92);
      font-weight: 600;
      border-left: 1px solid rgba(201,168,76,0.15);
      border-right: 1px solid rgba(201,168,76,0.15);
      justify-content: center;
    }
    .compare-cell:not(:first-child):not(.luminary-cell) { justify-content: center; }
    .c-yes { color: #5ec97e; font-size: 1.1rem; }
    .c-no { color: #e05f5f; font-size: 1.1rem; }
    .c-maybe { color: #e0a85f; font-size: 0.85rem; }

    /* ── CONSULTING BAND ── */
    .consulting-band {
      background: var(--white);
      padding: 80px 2rem;
    }
    .consulting-band h2 { color: var(--navy); }
    .consult-inner {
      display: grid;
      grid-template-columns: 1fr 1.8fr;
      gap: 4rem;
      align-items: start;
    }
    .consult-items {
      display: flex;
      flex-direction: column;
      gap: 1.5rem;
    }
    .consult-item {
      display: flex;
      gap: 1rem;
      align-items: flex-start;
      background: var(--off-white);
      border: 1px solid #e8edf4;
      border-radius: 14px;
      padding: 1.4rem 1.5rem;
      transition: border-color 0.2s, box-shadow 0.2s;
    }
    .consult-item:hover {
      border-color: rgba(201,168,76,0.4);
      box-shadow: 0 6px 20px rgba(0,0,0,0.06);
    }
    .consult-item-icon {
      font-size: 1.5rem;
      flex-shrink: 0;
      margin-top: 2px;
    }
    .consult-item h4 {
      font-size: 0.95rem;
      font-weight: 700;
      color: var(--navy);
      margin-bottom: 0.35rem;
    }
    .consult-item p {
      font-size: 0.875rem;
      color: #6b7d95;
      line-height: 1.6;
    }
    .consult-contact {
      margin-top: 2rem;
      padding: 1.25rem 1.5rem;
      background: linear-gradient(135deg, var(--navy), var(--navy-light));
      border-radius: 14px;
      display: flex;
      align-items: center;
      gap: 1rem;
      flex-wrap: wrap;
    }
    .consult-contact p {
      color: rgba(255,255,255,0.8);
      font-size: 0.88rem;
      line-height: 1.5;
      flex: 1;
    }
    .consult-contact strong { color: var(--gold-light); }

    /* ── PROCESS ── */
    .process { background: var(--white); }
    .process-header { text-align: center; margin-bottom: 4rem; }
    .process-header .section-eyebrow { justify-content: center; }
    .steps {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 1.5rem;
      position: relative;
    }
    .steps::before {
      content: '';
      position: absolute;
      top: 36px; left: 10%; right: 10%;
      height: 1px;
      background: linear-gradient(90deg, transparent, var(--gold), var(--gold), transparent);
      opacity: 0.2;
    }
    .step {
      text-align: center;
      padding: 1.5rem 1rem;
    }
    .step-num {
      width: 56px; height: 56px;
      margin: 0 auto 1.25rem;
      background: linear-gradient(135deg, var(--navy), var(--navy-light));
      border: 2px solid rgba(201,168,76,0.3);
      border-radius: 50%;
      display: flex; align-items: center; justify-content: center;
      font-family: 'Playfair Display', serif;
      font-weight: 800;
      font-size: 1.2rem;
      color: var(--gold);
      position: relative;
      z-index: 1;
    }
    .step h4 {
      font-size: 0.95rem;
      font-weight: 700;
      margin-bottom: 0.5rem;
      color: var(--navy);
    }
    .step p {
      font-size: 0.85rem;
      color: #7087a3;
      line-height: 1.6;
    }

    /* ── TESTIMONIALS ── */
    .testimonials { background: var(--off-white); }
    .testimonials-header { margin-bottom: 3rem; }
    .testi-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 1.5rem;
    }
    .testi-card {
      background: var(--white);
      border-radius: 16px;
      padding: 2rem;
      border: 1px solid #e8edf4;
    }
    .stars {
      color: var(--gold);
      font-size: 1rem;
      margin-bottom: 1rem;
      letter-spacing: 2px;
    }
    .testi-quote {
      font-size: 0.95rem;
      line-height: 1.7;
      color: #3d5068;
      margin-bottom: 1.5rem;
      font-style: italic;
    }
    .testi-author {
      display: flex;
      align-items: center;
      gap: 0.75rem;
    }
    .testi-avatar {
      width: 40px; height: 40px;
      border-radius: 50%;
      background: linear-gradient(135deg, var(--navy-light), var(--navy));
      display: flex; align-items: center; justify-content: center;
      font-weight: 800;
      color: var(--gold-light);
      font-size: 0.85rem;
    }
    .testi-name {
      font-weight: 700;
      font-size: 0.9rem;
      color: var(--navy);
    }
    .testi-biz {
      font-size: 0.8rem;
      color: #8a9ab5;
    }

    /* ── CTA SECTION ── */
    .cta-section {
      background: linear-gradient(135deg, var(--navy) 0%, #0f2540 100%);
      text-align: center;
      padding: 96px 2rem;
      position: relative;
      overflow: hidden;
    }
    .cta-section::before {
      content: '';
      position: absolute;
      top: 50%; left: 50%;
      transform: translate(-50%, -50%);
      width: 800px; height: 800px;
      background: radial-gradient(circle, rgba(201,168,76,0.06) 0%, transparent 65%);
      pointer-events: none;
    }
    .cta-section h2 {
      color: var(--white);
      margin-bottom: 1.25rem;
    }
    .cta-section p {
      color: rgba(255,255,255,0.6);
      font-size: 1.05rem;
      max-width: 520px;
      margin: 0 auto 2.5rem;
      line-height: 1.7;
    }
    .cta-badges {
      display: flex;
      justify-content: center;
      gap: 1rem;
      flex-wrap: wrap;
      margin-top: 2rem;
    }
    .badge {
      display: inline-flex;
      align-items: center;
      gap: 0.4rem;
      color: rgba(255,255,255,0.5);
      font-size: 0.82rem;
    }
    .badge-dot {
      width: 6px; height: 6px;
      border-radius: 50%;
      background: var(--gold);
    }

    /* ── PRICING ── */
    .pricing { background: var(--off-white); }
    .pricing-header { text-align: center; margin-bottom: 3.5rem; }
    .pricing-header .section-eyebrow { justify-content: center; }
    .pricing-header .section-sub { margin: 0 auto; }
    .pricing-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 1.5rem;
      align-items: start;
    }
    .pricing-card {
      background: var(--white);
      border-radius: 20px;
      padding: 2.25rem;
      border: 1px solid #e8edf4;
      position: relative;
      transition: box-shadow 0.25s, transform 0.25s;
    }
    .pricing-card:hover {
      transform: translateY(-4px);
      box-shadow: 0 20px 50px rgba(0,0,0,0.08);
    }
    .pricing-card.featured {
      background: var(--navy);
      border-color: rgba(201,168,76,0.35);
      box-shadow: 0 12px 40px rgba(13,27,42,0.25);
      transform: translateY(-8px);
    }
    .pricing-card.featured:hover {
      transform: translateY(-12px);
      box-shadow: 0 24px 56px rgba(13,27,42,0.3);
    }
    .popular-badge {
      position: absolute;
      top: -14px; left: 50%;
      transform: translateX(-50%);
      background: linear-gradient(135deg, var(--gold), var(--gold-light));
      color: var(--navy);
      font-size: 0.72rem;
      font-weight: 800;
      letter-spacing: 0.08em;
      text-transform: uppercase;
      padding: 0.35rem 1rem;
      border-radius: 100px;
      white-space: nowrap;
    }
    .plan-name {
      font-size: 0.78rem;
      font-weight: 700;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      color: var(--gold);
      margin-bottom: 0.6rem;
    }
    .plan-tagline {
      font-size: 0.88rem;
      color: #7087a3;
      margin-bottom: 1.75rem;
      line-height: 1.5;
    }
    .pricing-card.featured .plan-tagline { color: rgba(255,255,255,0.5); }
    .price-from {
      font-size: 0.72rem;
      font-weight: 600;
      letter-spacing: 0.05em;
      text-transform: uppercase;
      color: #a0b0c8;
      margin-bottom: 0.2rem;
    }
    .pricing-card.featured .price-from { color: rgba(255,255,255,0.4); }
    .price-amount {
      display: flex;
      align-items: baseline;
      gap: 0.25rem;
      margin-bottom: 0.3rem;
    }
    .price-dollar {
      font-family: 'Playfair Display', serif;
      font-size: 1.5rem;
      font-weight: 800;
      color: var(--navy);
    }
    .pricing-card.featured .price-dollar { color: var(--white); }
    .price-num {
      font-family: 'Playfair Display', serif;
      font-size: 3rem;
      font-weight: 800;
      line-height: 1;
      color: var(--navy);
    }
    .pricing-card.featured .price-num { color: var(--white); }
    .price-period {
      font-size: 0.85rem;
      color: #a0b0c8;
      font-weight: 500;
    }
    .pricing-card.featured .price-period { color: rgba(255,255,255,0.4); }
    .price-note {
      font-size: 0.78rem;
      color: #a0b0c8;
      margin-bottom: 1.75rem;
      line-height: 1.5;
    }
    .pricing-card.featured .price-note { color: rgba(255,255,255,0.35); }
    .plan-divider {
      height: 1px;
      background: #e8edf4;
      margin-bottom: 1.5rem;
    }
    .pricing-card.featured .plan-divider { background: rgba(255,255,255,0.1); }
    .plan-features {
      list-style: none;
      display: flex;
      flex-direction: column;
      gap: 0.85rem;
      margin-bottom: 2rem;
    }
    .plan-features li {
      display: flex;
      align-items: flex-start;
      gap: 0.75rem;
      font-size: 0.875rem;
      color: #4a6080;
      line-height: 1.45;
    }
    .pricing-card.featured .plan-features li { color: rgba(255,255,255,0.75); }
    .feat-check {
      flex-shrink: 0;
      width: 18px; height: 18px;
      border-radius: 50%;
      background: rgba(201,168,76,0.15);
      border: 1px solid rgba(201,168,76,0.35);
      display: flex; align-items: center; justify-content: center;
      margin-top: 2px;
    }
    .feat-check svg { width: 9px; height: 9px; }
    .btn-plan {
      display: block;
      width: 100%;
      text-align: center;
      padding: 0.85rem;
      border-radius: 10px;
      font-weight: 700;
      font-size: 0.92rem;
      text-decoration: none;
      transition: all 0.2s;
      cursor: pointer;
      border: none;
    }
    .btn-plan-outline {
      background: transparent;
      border: 1.5px solid #d0d9e8;
      color: var(--navy);
    }
    .btn-plan-outline:hover {
      border-color: var(--gold);
      color: var(--gold);
    }
    .btn-plan-gold {
      background: linear-gradient(135deg, var(--gold), var(--gold-light));
      color: var(--navy);
      box-shadow: 0 4px 16px rgba(201,168,76,0.35);
    }
    .btn-plan-gold:hover {
      transform: translateY(-1px);
      box-shadow: 0 8px 24px rgba(201,168,76,0.45);
    }
    .pricing-footer-note {
      text-align: center;
      margin-top: 2.5rem;
      font-size: 0.85rem;
      color: #8a9ab5;
    }
    .pricing-footer-note a {
      color: var(--gold);
      text-decoration: none;
      font-weight: 600;
    }
    .pricing-footer-note a:hover { text-decoration: underline; }
    @media (max-width: 900px) {
      .pricing-grid { grid-template-columns: 1fr; max-width: 420px; margin: 0 auto; }
      .pricing-card.featured { transform: none; }
      .pricing-card.featured:hover { transform: translateY(-4px); }
    }

    /* ── FAQ ── */
    .faq { background: var(--off-white); }
    .faq-inner {
      display: grid;
      grid-template-columns: 1fr 1.8fr;
      gap: 4rem;
      align-items: start;
    }
    .faq-list { display: flex; flex-direction: column; gap: 0.75rem; }
    .faq-item {
      background: var(--white);
      border: 1px solid #e8edf4;
      border-radius: 12px;
      overflow: hidden;
      transition: border-color 0.2s, box-shadow 0.2s;
    }
    .faq-item.open {
      border-color: rgba(201,168,76,0.4);
      box-shadow: 0 4px 16px rgba(0,0,0,0.06);
    }
    .faq-question {
      width: 100%;
      background: none;
      border: none;
      padding: 1.2rem 1.5rem;
      display: flex;
      justify-content: space-between;
      align-items: center;
      gap: 1rem;
      cursor: pointer;
      text-align: left;
      font-family: inherit;
      font-size: 0.95rem;
      font-weight: 600;
      color: var(--navy);
      transition: color 0.2s;
    }
    .faq-item.open .faq-question { color: var(--gold); }
    .faq-icon {
      flex-shrink: 0;
      width: 24px; height: 24px;
      border-radius: 50%;
      background: var(--off-white);
      border: 1px solid #dde3ec;
      display: flex; align-items: center; justify-content: center;
      font-size: 1rem;
      color: var(--navy);
      transition: transform 0.25s, background 0.2s;
      line-height: 1;
    }
    .faq-item.open .faq-icon {
      transform: rotate(45deg);
      background: rgba(201,168,76,0.12);
      border-color: rgba(201,168,76,0.35);
      color: var(--gold);
    }
    .faq-answer {
      max-height: 0;
      overflow: hidden;
      transition: max-height 0.3s ease, padding 0.3s ease;
      padding: 0 1.5rem;
      font-size: 0.9rem;
      color: #5a6e87;
      line-height: 1.7;
    }
    .faq-item.open .faq-answer {
      max-height: 300px;
      padding: 0 1.5rem 1.25rem;
    }
    @media (max-width: 900px) {
      .faq-inner { grid-template-columns: 1fr; gap: 2rem; }
    }

    /* ── INDIVIDUAL TAX ── */
    .individual { background: var(--white); border-top: 1px solid #e8edf4; }
    .individual-inner {
      display: grid;
      grid-template-columns: 1fr 1.6fr;
      gap: 4rem;
      align-items: start;
    }
    .individual-intro h2 { color: var(--navy); }
    .individual-intro .section-sub { margin-top: 0; }
    .indiv-note {
      margin-top: 1.75rem;
      padding: 1.1rem 1.25rem;
      background: var(--off-white);
      border-left: 3px solid var(--gold);
      border-radius: 0 8px 8px 0;
      font-size: 0.875rem;
      color: #5a6e87;
      line-height: 1.6;
    }
    .indiv-cards {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 1.25rem;
      align-items: start;
    }
    .indiv-card {
      background: var(--off-white);
      border: 1px solid #e8edf4;
      border-radius: 20px;
      padding: 2rem;
      position: relative;
      transition: box-shadow 0.25s, transform 0.25s;
    }
    .indiv-card:hover {
      transform: translateY(-4px);
      box-shadow: 0 16px 40px rgba(0,0,0,0.08);
    }
    .indiv-card.featured {
      background: var(--navy);
      border-color: rgba(201,168,76,0.35);
      box-shadow: 0 8px 32px rgba(13,27,42,0.2);
      transform: translateY(-6px);
    }
    .indiv-card.featured:hover {
      transform: translateY(-10px);
      box-shadow: 0 20px 48px rgba(13,27,42,0.28);
    }
    .indiv-badge {
      position: absolute;
      top: -13px; left: 50%;
      transform: translateX(-50%);
      background: linear-gradient(135deg, var(--gold), var(--gold-light));
      color: var(--navy);
      font-size: 0.7rem;
      font-weight: 800;
      letter-spacing: 0.08em;
      text-transform: uppercase;
      padding: 0.3rem 0.9rem;
      border-radius: 100px;
      white-space: nowrap;
    }
    .indiv-plan-name {
      font-size: 0.75rem;
      font-weight: 700;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      color: var(--gold);
      margin-bottom: 0.4rem;
    }
    .indiv-plan-tagline {
      font-size: 0.85rem;
      color: #7087a3;
      margin-bottom: 1.5rem;
      line-height: 1.5;
    }
    .indiv-card.featured .indiv-plan-tagline { color: rgba(255,255,255,0.5); }
    .indiv-price-from {
      font-size: 0.68rem;
      font-weight: 600;
      letter-spacing: 0.05em;
      text-transform: uppercase;
      color: #a0b0c8;
      margin-bottom: 0.15rem;
    }
    .indiv-card.featured .indiv-price-from { color: rgba(255,255,255,0.4); }
    .indiv-price-amount {
      display: flex;
      align-items: baseline;
      gap: 0.2rem;
      margin-bottom: 1.5rem;
    }
    .indiv-price-dollar {
      font-family: 'Playfair Display', serif;
      font-size: 1.3rem;
      font-weight: 800;
      color: var(--navy);
    }
    .indiv-card.featured .indiv-price-dollar { color: var(--white); }
    .indiv-price-num {
      font-family: 'Playfair Display', serif;
      font-size: 2.6rem;
      font-weight: 800;
      line-height: 1;
      color: var(--navy);
    }
    .indiv-card.featured .indiv-price-num { color: var(--white); }
    .indiv-price-period {
      font-size: 0.82rem;
      color: #a0b0c8;
      font-weight: 500;
    }
    .indiv-card.featured .indiv-price-period { color: rgba(255,255,255,0.4); }
    .indiv-divider {
      height: 1px;
      background: #dde3ec;
      margin-bottom: 1.25rem;
    }
    .indiv-card.featured .indiv-divider { background: rgba(255,255,255,0.1); }
    .indiv-features {
      list-style: none;
      display: flex;
      flex-direction: column;
      gap: 0.75rem;
      margin-bottom: 1.75rem;
    }
    .indiv-features li {
      display: flex;
      align-items: flex-start;
      gap: 0.65rem;
      font-size: 0.855rem;
      color: #4a6080;
      line-height: 1.45;
    }
    .indiv-card.featured .indiv-features li { color: rgba(255,255,255,0.78); }
    .indiv-check {
      flex-shrink: 0;
      width: 17px; height: 17px;
      border-radius: 50%;
      background: rgba(201,168,76,0.15);
      border: 1px solid rgba(201,168,76,0.35);
      display: flex; align-items: center; justify-content: center;
      margin-top: 2px;
    }
    .indiv-check svg { width: 8px; height: 8px; }
    @media (max-width: 900px) {
      .individual-inner { grid-template-columns: 1fr; gap: 2.5rem; }
      .indiv-cards { grid-template-columns: 1fr; max-width: 400px; }
      .indiv-card.featured { transform: none; }
      .indiv-card.featured:hover { transform: translateY(-4px); }
    }

    /* ── FOOTER ── */
    footer {
      background: #060e17;
      padding: 3rem 2rem;
      border-top: 1px solid rgba(255,255,255,0.06);
    }
    .footer-inner {
      max-width: 1140px;
      margin: 0 auto;
      display: flex;
      justify-content: space-between;
      align-items: center;
      flex-wrap: wrap;
      gap: 1.5rem;
    }
    .footer-copy {
      font-size: 0.82rem;
      color: rgba(255,255,255,0.3);
    }
    .footer-links {
      display: flex;
      gap: 2rem;
      list-style: none;
    }
    .footer-links a {
      color: rgba(255,255,255,0.35);
      text-decoration: none;
      font-size: 0.82rem;
      transition: color 0.2s;
    }
    .footer-links a:hover { color: var(--gold-light); }

    /* ── CONTACT MODAL ── */
    .modal-overlay {
      display: none;
      position: fixed;
      inset: 0;
      background: rgba(0,0,0,0.7);
      z-index: 1000;
      align-items: center;
      justify-content: center;
      backdrop-filter: blur(4px);
      padding: 1rem;
    }
    .modal-overlay.open { display: flex; }
    .modal {
      background: var(--white);
      border-radius: 20px;
      padding: 2.5rem;
      width: 100%;
      max-width: 480px;
      position: relative;
      animation: modalIn 0.25s ease;
    }
    @keyframes modalIn {
      from { transform: translateY(20px) scale(0.97); opacity: 0; }
      to { transform: none; opacity: 1; }
    }
    .modal-close {
      position: absolute;
      top: 1.25rem; right: 1.25rem;
      background: none; border: none;
      font-size: 1.3rem; cursor: pointer;
      color: #aaa; transition: color 0.2s;
    }
    .modal-close:hover { color: var(--navy); }
    .modal h3 {
      font-family: 'Playfair Display', serif;
      font-size: 1.5rem;
      margin-bottom: 0.5rem;
      color: var(--navy);
    }
    .modal p { font-size: 0.9rem; color: #7087a3; margin-bottom: 1.75rem; }
    .form-group { margin-bottom: 1.1rem; }
    .form-group label { display: block; font-size: 0.83rem; font-weight: 600; color: var(--navy); margin-bottom: 0.4rem; }
    .form-group input,
    .form-group select,
    .form-group textarea {
      width: 100%;
      padding: 0.75rem 1rem;
      border: 1.5px solid #dde3ec;
      border-radius: 8px;
      font-family: inherit;
      font-size: 0.9rem;
      color: var(--text);
      transition: border-color 0.2s;
      background: var(--white);
    }
    .form-group input:focus,
    .form-group select:focus,
    .form-group textarea:focus {
      outline: none;
      border-color: var(--gold);
    }
    .form-group textarea { resize: vertical; min-height: 90px; }
    .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
    .btn-submit {
      width: 100%;
      background: linear-gradient(135deg, var(--gold), var(--gold-light));
      color: var(--navy);
      font-weight: 700;
      font-size: 1rem;
      padding: 0.9rem;
      border-radius: 8px;
      border: none;
      cursor: pointer;
      margin-top: 0.5rem;
      transition: opacity 0.2s, transform 0.2s;
      box-shadow: 0 4px 16px rgba(201,168,76,0.3);
    }
    .btn-submit:hover { opacity: 0.9; transform: translateY(-1px); }

    /* ── HAMBURGER MENU ── */
    .hamburger {
      display: none;
      flex-direction: column;
      justify-content: center;
      gap: 5px;
      background: none;
      border: none;
      cursor: pointer;
      padding: 8px;
      z-index: 1001;
    }
    .hamburger span {
      display: block;
      width: 24px;
      height: 2px;
      background: var(--white);
      border-radius: 2px;
      transition: transform 0.3s, opacity 0.3s;
    }
    .hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
    .hamburger.open span:nth-child(2) { opacity: 0; }
    .hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

    .mobile-menu {
      display: none;
      position: fixed;
      top: 108px;
      left: 0; right: 0;
      background: var(--navy);
      border-top: 1px solid rgba(255,255,255,0.08);
      padding: 1.5rem 1.5rem 2rem;
      z-index: 999;
      flex-direction: column;
      gap: 0.25rem;
      box-shadow: 0 12px 32px rgba(0,0,0,0.4);
    }
    .mobile-menu.open { display: flex; }
    .mobile-menu a {
      color: rgba(255,255,255,0.8);
      text-decoration: none;
      font-size: 1.05rem;
      font-weight: 500;
      padding: 0.85rem 0.5rem;
      border-bottom: 1px solid rgba(255,255,255,0.07);
      transition: color 0.2s;
    }
    .mobile-menu a:last-child { border-bottom: none; }
    .mobile-menu a:hover { color: var(--gold-light); }
    .mobile-menu .btn-nav-mobile {
      margin-top: 1rem;
      background: var(--gold);
      color: var(--navy) !important;
      border-radius: 8px;
      padding: 0.9rem 1.5rem !important;
      text-align: center;
      font-weight: 700;
      border-bottom: none !important;
    }
    .mobile-menu .btn-nav-mobile:hover { background: var(--gold-light); color: var(--navy) !important; }

    /* ── COMPARE TABLE SCROLL WRAPPER ── */
    .compare-scroll-hint {
      display: none;
      text-align: center;
      font-size: 0.78rem;
      color: rgba(255,255,255,0.35);
      margin-bottom: 0.75rem;
      letter-spacing: 0.04em;
    }
    .compare-scroll-wrap {
      overflow-x: auto;
      -webkit-overflow-scrolling: touch;
    }
    .compare-scroll-wrap .compare-card {
      min-width: 580px;
    }

    /* ── RESPONSIVE ── */
    @media (max-width: 1100px) {
      .services-grid { grid-template-columns: repeat(2, 1fr); }
    }
    @media (max-width: 900px) {
      .hero-inner { grid-template-columns: 1fr; }
      .hero-card { display: none; }
      .why-inner { grid-template-columns: 1fr; }
      .consult-inner { grid-template-columns: 1fr; gap: 2rem; }
      .steps { grid-template-columns: repeat(2, 1fr); }
      .steps::before { display: none; }
      .testi-grid { grid-template-columns: 1fr; }
      .nav-links { display: none; }
      .hamburger { display: flex; }
      .compare-scroll-hint { display: block; }
    }
    @media (max-width: 600px) {
      section { padding: 64px 1.25rem; }
      .services-grid { grid-template-columns: 1fr; }
      .steps { grid-template-columns: 1fr; }
    }

/* ── BLOG (added for WordPress) ── */
.blog-hero {
  background: var(--navy);
  padding: 160px 2rem 64px;
  text-align: center;
}
.blog-hero h1 { color: var(--white); }
.blog-hero .section-sub { margin: 0 auto; color: rgba(255,255,255,0.6); }

.blog-index { background: var(--off-white); }
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}
.blog-card {
  background: var(--white);
  border-radius: 16px;
  overflow: hidden;
  border: 1px solid #e8edf4;
  transition: transform 0.25s, box-shadow 0.25s;
  text-decoration: none;
  color: inherit;
  display: flex;
  flex-direction: column;
}
.blog-card:hover { transform: translateY(-4px); box-shadow: 0 16px 40px rgba(0,0,0,0.09); }
.blog-card-img { width: 100%; aspect-ratio: 16/10; object-fit: cover; background: var(--off-white); }
.blog-card-body { padding: 1.5rem; display: flex; flex-direction: column; gap: 0.6rem; flex: 1; }
.blog-card-cat {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
}
.blog-card-title {
  font-family: 'Playfair Display', serif;
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1.35;
}
.blog-card-excerpt { font-size: 0.9rem; color: #6b7d95; line-height: 1.6; flex: 1; }
.blog-card-meta { font-size: 0.78rem; color: #9aa9c0; margin-top: 0.5rem; }

.blog-pagination {
  display: flex;
  justify-content: center;
  gap: 0.75rem;
  margin-top: 3rem;
}
.blog-pagination a, .blog-pagination span {
  padding: 0.6rem 1.1rem;
  border-radius: 8px;
  border: 1px solid #dde3ec;
  color: var(--navy);
  text-decoration: none;
  font-size: 0.88rem;
  font-weight: 600;
}
.blog-pagination .current { background: var(--navy); color: var(--white); border-color: var(--navy); }
.blog-pagination a:hover { border-color: var(--gold); color: var(--gold); }

/* Single post */
.post-hero {
  background: var(--navy);
  padding: 160px 2rem 56px;
}
.post-hero-inner { max-width: 760px; margin: 0 auto; }
.post-hero .blog-card-cat { color: var(--gold-light); }
.post-hero h1 { color: var(--white); margin-top: 0.75rem; }
.post-hero-meta { color: rgba(255,255,255,0.5); font-size: 0.9rem; margin-top: 1rem; }

.post-content-wrap { background: var(--white); }
.post-content {
  max-width: 720px;
  margin: 0 auto;
  padding: 4rem 2rem;
  font-size: 1.05rem;
  line-height: 1.85;
  color: var(--text);
}
.post-content h2 {
  font-size: 1.6rem;
  margin-top: 2.5rem;
  margin-bottom: 1rem;
}
.post-content h3 {
  font-family: 'Inter', sans-serif;
  font-size: 1.2rem;
  font-weight: 700;
  margin-top: 2rem;
  margin-bottom: 0.75rem;
  color: var(--navy);
}
.post-content p { margin-bottom: 1.25rem; }
.post-content ul, .post-content ol { margin: 0 0 1.25rem 1.5rem; }
.post-content li { margin-bottom: 0.5rem; }
.post-content img { max-width: 100%; border-radius: 12px; margin: 1.5rem 0; }
.post-content a { color: var(--gold); }
.post-content blockquote {
  border-left: 3px solid var(--gold);
  padding-left: 1.25rem;
  color: #5a6e87;
  font-style: italic;
  margin: 1.5rem 0;
}
.post-cta {
  max-width: 720px;
  margin: 0 auto 4rem;
  padding: 2rem;
  background: var(--off-white);
  border-radius: 16px;
  text-align: center;
}
.post-cta p { margin-bottom: 1.25rem; color: #5a6e87; }

@media (max-width: 900px) {
  .blog-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  .blog-grid { grid-template-columns: 1fr; }
  .post-content { padding: 2.5rem 1.25rem; }
}