/* =========================================================
   Prime Finance Zone — main stylesheet
   Palette: midnight navy + champagne gold + ivory
   Style: premium, elegant, framed imagery with gold accents
   ========================================================= */
:root {
  --pfz-navy: #0c1b33;
  --pfz-navy-2: #13284a;
  --pfz-navy-3: #1d3a66;
  --pfz-gold: #c9a45c;
  --pfz-gold-dark: #a8823b;
  --pfz-gold-soft: #f4ead6;
  --pfz-ivory: #faf7f0;
  --pfz-pearl: #f1ece1;
  --pfz-text: #1e2633;
  --pfz-muted: #646b78;
  --pfz-line: #e4dccb;
  --pfz-shadow: 0 30px 60px -36px rgba(12, 27, 51, .6);
  --pfz-font-head: "Playfair Display", Georgia, serif;
  --pfz-font-body: "Lato", "Segoe UI", Arial, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
html, body { overflow-x: clip; }
body { font-family: var(--pfz-font-body); color: var(--pfz-text); background: var(--pfz-ivory); line-height: 1.8; font-size: 1.03rem; }
h1, h2, h3, h4, h5 { font-family: var(--pfz-font-head); font-weight: 700; color: var(--pfz-navy); line-height: 1.2; }
a { color: var(--pfz-gold-dark); text-decoration: none; transition: color .2s ease; }
a:hover { color: var(--pfz-navy); }
::selection { background: var(--pfz-gold); color: var(--pfz-navy); }

.section { padding: 105px 0; }
.section-sm { padding: 70px 0; }
.bg-pearl { background: var(--pfz-pearl); }
.bg-navy { background: var(--pfz-navy); color: #b7c2d6; }
.bg-navy h2, .bg-navy h3, .bg-navy h4 { color: #fff; }

/* Section header with gold ornament */
.overline { display: inline-flex; align-items: center; gap: .8rem; font-family: var(--pfz-font-body); font-weight: 700; font-size: .8rem; letter-spacing: .24em; text-transform: uppercase; color: var(--pfz-gold-dark); margin-bottom: 1rem; }
.overline::before, .overline.center::after { content: ""; width: 34px; height: 1px; background: var(--pfz-gold); }
.bg-navy .overline { color: var(--pfz-gold); }
.title { font-size: clamp(2rem, 3.8vw, 3rem); margin-bottom: 1.1rem; }
.title em { font-style: italic; color: var(--pfz-gold-dark); }
.bg-navy .title em { color: var(--pfz-gold); }
.ornament { display: flex; align-items: center; justify-content: center; gap: .6rem; color: var(--pfz-gold); margin: -.2rem 0 1.4rem; }
.ornament::before, .ornament::after { content: ""; width: 60px; height: 1px; background: currentColor; opacity: .7; }
.ornament i { font-size: .9rem; }
.text-lead { color: var(--pfz-muted); font-size: 1.08rem; }
.bg-navy .text-lead { color: #b7c2d6; }

/* ---------- Buttons ---------- */
.btn { border-radius: 0; font-family: var(--pfz-font-body); font-weight: 700; letter-spacing: .08em; text-transform: uppercase; font-size: .86rem; padding: 1rem 1.9rem; transition: all .25s ease; }
.btn-gold { background: var(--pfz-gold); color: var(--pfz-navy); border: 1px solid var(--pfz-gold); }
.btn-gold:hover, .btn-gold:focus { background: var(--pfz-navy); border-color: var(--pfz-navy); color: var(--pfz-gold); }
.bg-navy .btn-gold:hover, .hero .btn-gold:hover, .cta-panel .btn-gold:hover, .side-card.navy .btn-gold:hover { background: #fff; border-color: #fff; color: var(--pfz-navy); }
.btn-navy { background: var(--pfz-navy); color: #fff; border: 1px solid var(--pfz-navy); }
.btn-navy:hover, .btn-navy:focus { background: var(--pfz-gold); border-color: var(--pfz-gold); color: var(--pfz-navy); }
.btn-line { background: transparent; color: var(--pfz-navy); border: 1px solid var(--pfz-navy); }
.btn-line:hover { background: var(--pfz-navy); color: #fff; }
.btn-line-gold { background: transparent; color: var(--pfz-gold); border: 1px solid var(--pfz-gold); }
.btn-line-gold:hover { background: var(--pfz-gold); color: var(--pfz-navy); }
.text-link { font-weight: 700; letter-spacing: .08em; text-transform: uppercase; font-size: .82rem; color: var(--pfz-navy); display: inline-flex; align-items: center; gap: .5rem; padding-bottom: 3px; border-bottom: 1px solid var(--pfz-gold); }
.text-link:hover { color: var(--pfz-gold-dark); }
.text-link i { transition: transform .2s ease; }
.text-link:hover i { transform: translateX(4px); }

/* ---------- Header ---------- */
.info-line { background: var(--pfz-navy); color: #b7c2d6; font-size: .85rem; padding: .55rem 0; border-bottom: 1px solid rgba(201,164,92,.25); }
.info-line a { color: #e4e9f2; }
.info-line a:hover { color: var(--pfz-gold); }
.info-line i { color: var(--pfz-gold); margin-right: .4rem; }
.masthead { position: sticky; top: 0; z-index: 1030; background: var(--pfz-ivory); border-bottom: 1px solid var(--pfz-line); transition: box-shadow .25s ease; }
.masthead.scrolled { box-shadow: 0 10px 30px -20px rgba(12,27,51,.5); }
.masthead .navbar { padding: 1.05rem 0; }
.masthead .nav-link { font-weight: 700; font-size: .84rem; letter-spacing: .12em; text-transform: uppercase; color: var(--pfz-navy); padding: .5rem 1rem !important; position: relative; }
.masthead .nav-link::after { content: ""; position: absolute; left: 50%; bottom: 0; width: 0; height: 2px; background: var(--pfz-gold); transition: all .25s ease; transform: translateX(-50%); }
.masthead .nav-link:hover, .masthead .nav-link.active { color: var(--pfz-gold-dark); }
.masthead .nav-link:hover::after, .masthead .nav-link.active::after { width: 26px; }
.masthead .navbar-toggler { border: 1px solid var(--pfz-navy); border-radius: 0; }
.masthead .navbar-toggler:focus { box-shadow: 0 0 0 .2rem rgba(201,164,92,.4); }

/* Logo — one line, one style */
.brand-logo { display: inline-flex; align-items: center; gap: .6rem; white-space: nowrap; font-family: var(--pfz-font-head); font-weight: 700; font-size: 1.5rem; line-height: 1; color: var(--pfz-navy) !important; }
.brand-logo .crest { width: 40px; height: 40px; flex: 0 0 40px; margin: 0 .35rem 0 .45rem; display: grid; place-items: center; border: 1.5px solid var(--pfz-gold); color: var(--pfz-gold); font-size: 1.05rem; transform: rotate(45deg); }
.brand-logo .crest i { transform: rotate(-45deg); }
.footer .brand-logo { color: #fff !important; }

/* ---------- Hero ---------- */
.hero { position: relative; background: var(--pfz-navy); color: #c3cde0; padding: 110px 0 120px; overflow: hidden; }
.hero::before { content: ""; position: absolute; inset: 24px; border: 1px solid rgba(201,164,92,.22); pointer-events: none; }
.hero .container { position: relative; z-index: 1; }
.hero h1 { color: #fff; font-size: clamp(2.6rem, 5.4vw, 4.5rem); margin-bottom: 1.4rem; }
.hero h1 em { color: var(--pfz-gold); }
.hero .lead { max-width: 540px; font-size: 1.15rem; color: #c3cde0; }
.hero-feats { display: flex; flex-wrap: wrap; gap: 1.6rem; margin-top: 2.4rem; padding-top: 1.6rem; border-top: 1px solid rgba(201,164,92,.25); }
.hero-feats div { display: flex; align-items: center; gap: .6rem; font-weight: 700; color: #e4e9f2; font-size: .95rem; }
.hero-feats i { color: var(--pfz-gold); font-size: 1.2rem; }
.framed { position: relative; }
.framed::before { content: ""; position: absolute; inset: 18px -18px -18px 18px; border: 1px solid var(--pfz-gold); z-index: 0; }
.framed img { position: relative; z-index: 1; width: 100%; height: auto; display: block; box-shadow: var(--pfz-shadow); }
.hero .framed img { aspect-ratio: 16 / 10; object-fit: cover; }

/* ---------- Page header ---------- */
.page-hero { position: relative; background: var(--pfz-navy); color: #b7c2d6; padding: 90px 0; text-align: center; overflow: hidden; }
.page-hero::before { content: ""; position: absolute; inset: 18px; border: 1px solid rgba(201,164,92,.22); pointer-events: none; }
.page-hero h1 { color: #fff; font-size: clamp(2.2rem, 4.6vw, 3.6rem); max-width: 900px; margin: 0 auto .8rem; }
.page-hero p { max-width: 640px; margin: 0 auto; font-size: 1.08rem; }
.page-hero .trail { display: inline-flex; flex-wrap: wrap; justify-content: center; gap: .55rem; font-size: .8rem; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; margin-bottom: 1.2rem; }
.page-hero .trail a { color: var(--pfz-gold); }
.page-hero .trail .sep { color: #5d6c88; }
.page-hero .trail .now { color: #e4e9f2; }

/* ---------- Images (all local) ---------- */
.pic { display: block; width: 100%; height: auto; }
.pic-cover { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform .6s ease; }

/* ---------- Highlights ---------- */
.highlights { background: #fff; border: 1px solid var(--pfz-line); margin-top: -50px; position: relative; z-index: 3; box-shadow: var(--pfz-shadow); }
.hl-item { padding: 2rem 1.6rem; text-align: center; height: 100%; }
.hl-item + .hl-item { border-left: 1px solid var(--pfz-line); }
.hl-item i { font-size: 1.8rem; color: var(--pfz-gold-dark); }
.hl-item h3 { font-size: 1.15rem; margin: .7rem 0 .3rem; }
.hl-item p { margin: 0; color: var(--pfz-muted); font-size: .93rem; line-height: 1.6; }

/* ---------- Services ---------- */
.service-card { background: #fff; border: 1px solid var(--pfz-line); height: 100%; display: flex; flex-direction: column; transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease; position: relative; }
.service-card::after { content: ""; position: absolute; left: 0; bottom: 0; width: 0; height: 3px; background: var(--pfz-gold); transition: width .35s ease; }
.service-card:hover { transform: translateY(-6px); box-shadow: var(--pfz-shadow); border-color: var(--pfz-gold); }
.service-card:hover::after { width: 100%; }
.service-card .media { overflow: hidden; aspect-ratio: 3 / 2; background: var(--pfz-pearl); }
.service-card:hover .pic-cover { transform: scale(1.05); }
.service-card .body { padding: 1.8rem 1.8rem 2rem; display: flex; flex-direction: column; flex: 1; }
.service-card .ic { width: 52px; height: 52px; margin-top: -54px; margin-bottom: 1rem; background: var(--pfz-navy); color: var(--pfz-gold); display: grid; place-items: center; font-size: 1.35rem; position: relative; z-index: 2; border: 3px solid #fff; }
.service-card h3 { font-size: 1.45rem; margin-bottom: .7rem; }
.service-card p { color: var(--pfz-muted); flex: 1; margin-bottom: 1.4rem; }
.service-card .btn { align-self: flex-start; padding: .8rem 1.4rem; }

/* ---------- About ---------- */
.signature { display: flex; align-items: center; gap: 1rem; margin-top: 1.8rem; padding-top: 1.6rem; border-top: 1px solid var(--pfz-line); }
.signature i { width: 54px; height: 54px; flex: 0 0 54px; border: 1px solid var(--pfz-gold); color: var(--pfz-gold-dark); display: grid; place-items: center; font-size: 1.4rem; }
.signature strong { font-family: var(--pfz-font-head); font-size: 1.15rem; color: var(--pfz-navy); display: block; }
.signature span { color: var(--pfz-muted); font-size: .92rem; }
.gold-list { list-style: none; padding: 0; margin: 1.4rem 0; }
.gold-list li { position: relative; padding-left: 1.9rem; margin-bottom: .75rem; font-weight: 700; }
.gold-list li::before { content: "\F586"; font-family: "bootstrap-icons"; position: absolute; left: 0; top: 0; color: var(--pfz-gold); font-size: 1.1rem; }

/* ---------- Pillars (dark) ---------- */
.pillar { padding: 2.2rem 2rem; border: 1px solid rgba(201,164,92,.25); height: 100%; transition: background .3s ease, border-color .3s ease; }
.pillar:hover { background: rgba(255,255,255,.04); border-color: var(--pfz-gold); }
.pillar i { font-size: 2rem; color: var(--pfz-gold); }
.pillar h3 { font-size: 1.35rem; margin: 1rem 0 .5rem; }
.pillar p { margin: 0; color: #b7c2d6; }

/* ---------- Planner ---------- */
.planner { background: #fff; border: 1px solid var(--pfz-line); padding: 2.6rem; box-shadow: var(--pfz-shadow); position: relative; }
.planner::before { content: ""; position: absolute; inset: 10px; border: 1px solid var(--pfz-gold-soft); pointer-events: none; }
.planner > * { position: relative; }
.planner .form-label { font-weight: 700; font-size: .82rem; letter-spacing: .12em; text-transform: uppercase; color: var(--pfz-navy); }
.planner .form-control { font-family: var(--pfz-font-head); font-size: 1.2rem; font-weight: 700; }
.planner .input-group-text { border-radius: 0; background: var(--pfz-gold-soft); border: 1px solid var(--pfz-line); color: var(--pfz-gold-dark); font-weight: 700; }
.planner-result { background: var(--pfz-navy); color: #b7c2d6; padding: 1.8rem; margin-top: 1.6rem; text-align: center; }
.planner-result .amount { font-family: var(--pfz-font-head); font-size: clamp(2.2rem, 5vw, 3rem); color: var(--pfz-gold); line-height: 1.1; word-break: break-word; }
.planner-result small { display: block; text-transform: uppercase; letter-spacing: .16em; font-weight: 700; font-size: .75rem; margin-bottom: .4rem; }
.planner-result p { margin: .7rem 0 0; font-size: .95rem; }

/* ---------- Process ---------- */
.process { text-align: center; padding: 0 1rem; position: relative; }
.process .roman { font-family: var(--pfz-font-head); font-style: italic; font-size: 2.6rem; color: var(--pfz-gold); line-height: 1; }
.process h3 { font-size: 1.3rem; margin: .9rem 0 .5rem; }
.process p { color: var(--pfz-muted); margin: 0; }
@media (min-width: 992px) { .process-col:not(:last-child) .process::after { content: ""; position: absolute; top: 22px; right: -12%; width: 24%; height: 1px; background: var(--pfz-gold); opacity: .6; } }

/* ---------- Testimonials ---------- */
.quote { background: #fff; border: 1px solid var(--pfz-line); padding: 2.4rem 2rem 2rem; height: 100%; display: flex; flex-direction: column; position: relative; text-align: center; }
.quote::before { content: "\201C"; font-family: var(--pfz-font-head); font-size: 5rem; line-height: .7; color: var(--pfz-gold); display: block; height: 2.6rem; }
.quote p { font-family: var(--pfz-font-head); font-style: italic; font-size: 1.12rem; color: var(--pfz-navy); flex: 1; margin: 0 0 1.4rem; line-height: 1.6; }
.quote .name { font-weight: 700; letter-spacing: .14em; text-transform: uppercase; font-size: .82rem; color: var(--pfz-gold-dark); }
.quote .name::before { content: ""; display: block; width: 30px; height: 1px; background: var(--pfz-gold); margin: 0 auto .9rem; }

/* ---------- Blog ---------- */
.journal-card { background: #fff; border: 1px solid var(--pfz-line); height: 100%; display: flex; flex-direction: column; transition: transform .3s ease, box-shadow .3s ease; }
.journal-card:hover { transform: translateY(-6px); box-shadow: var(--pfz-shadow); }
.journal-card .media { overflow: hidden; aspect-ratio: 3 / 2; display: block; }
.journal-card:hover .pic-cover { transform: scale(1.05); }
.journal-card .body { padding: 1.8rem; display: flex; flex-direction: column; flex: 1; }
.journal-card h3 { font-size: 1.35rem; margin-bottom: .8rem; }
.journal-card h3 a { color: var(--pfz-navy); }
.journal-card h3 a:hover { color: var(--pfz-gold-dark); }
.journal-card p { color: var(--pfz-muted); flex: 1; }

.post-figure { margin-bottom: 2.6rem; }
.article-body { font-size: 1.1rem; }
.article-body p { margin-bottom: 1.45rem; color: #2f3846; }
.article-body > p:first-child::first-line { font-weight: 700; color: var(--pfz-navy); }
.article-body h2 { font-size: 1.8rem; margin: 2.4rem 0 1rem; }
.article-body .note { border-top: 1px solid var(--pfz-gold); border-bottom: 1px solid var(--pfz-gold); padding: 1.5rem 0; margin: 2.2rem 0; text-align: center; font-family: var(--pfz-font-head); font-style: italic; font-size: 1.3rem; color: var(--pfz-navy); }
.side-card { background: #fff; border: 1px solid var(--pfz-line); padding: 1.8rem; margin-bottom: 1.6rem; }
.side-card h3 { font-size: 1.2rem; margin-bottom: 1.1rem; padding-bottom: .8rem; border-bottom: 1px solid var(--pfz-line); position: relative; }
.side-card h3::after { content: ""; position: absolute; left: 0; bottom: -1px; width: 40px; height: 2px; background: var(--pfz-gold); }
.side-post { display: flex; gap: .9rem; align-items: center; padding: .75rem 0; border-bottom: 1px dashed var(--pfz-line); }
.side-post:last-child { border-bottom: 0; }
.side-post img { width: 84px; height: 60px; object-fit: cover; flex: 0 0 84px; }
.side-post a { font-family: var(--pfz-font-head); font-weight: 700; color: var(--pfz-navy); line-height: 1.35; font-size: .98rem; }
.side-post a:hover { color: var(--pfz-gold-dark); }
.side-services { list-style: none; padding: 0; margin: 0; }
.side-services a { display: flex; justify-content: space-between; align-items: center; padding: .6rem 0; border-bottom: 1px dashed var(--pfz-line); color: var(--pfz-text); font-weight: 700; }
.side-services li:last-child a { border-bottom: 0; }
.side-services a:hover { color: var(--pfz-gold-dark); }
.side-card.navy { background: var(--pfz-navy); color: #b7c2d6; border-color: var(--pfz-navy); }
.side-card.navy h3 { color: #fff; border-color: rgba(201,164,92,.3); }
.article-pager { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 1rem; margin-top: 2.6rem; padding-top: 1.6rem; border-top: 1px solid var(--pfz-line); }

/* ---------- FAQ ---------- */
.faq-prime .accordion-item { border: 0; border-bottom: 1px solid var(--pfz-line); background: transparent; border-radius: 0 !important; }
.faq-prime .accordion-button { background: transparent; font-family: var(--pfz-font-head); font-weight: 700; font-size: 1.12rem; color: var(--pfz-navy); padding: 1.3rem 0; box-shadow: none; }
.faq-prime .accordion-button:not(.collapsed) { color: var(--pfz-gold-dark); }
.faq-prime .accordion-button:focus { box-shadow: none; outline: 2px solid rgba(201,164,92,.4); outline-offset: 2px; }
.faq-prime .accordion-body { padding: 0 0 1.4rem; color: var(--pfz-muted); }

/* ---------- Newsletter ---------- */
.newsletter-box { background: var(--pfz-navy); color: #b7c2d6; position: relative; overflow: hidden; }
.newsletter-box .copy { padding: 3.2rem; }
.newsletter-box h2 { color: #fff; }
.newsletter-box .form-control { border-radius: 0; border: 1px solid rgba(201,164,92,.5); background: rgba(255,255,255,.06); color: #fff; padding: .95rem 1.1rem; }
.newsletter-box .form-control::placeholder { color: #8d9ab3; }
.newsletter-box .form-control:focus { background: rgba(255,255,255,.1); border-color: var(--pfz-gold); box-shadow: none; }
.newsletter-box .pic-cover { min-height: 280px; }
.newsletter-box .form-status.success { background: rgba(61,139,110,.2); color: #b8ecd6; border-color: rgba(61,139,110,.5); }
.newsletter-box .form-status.error { background: rgba(224,122,95,.18); color: #ffc9ba; border-color: rgba(224,122,95,.5); }

/* ---------- CTA ---------- */
.cta-panel { background: var(--pfz-navy-2); padding: 3.4rem; position: relative; color: #b7c2d6; text-align: center; }
.cta-panel::before { content: ""; position: absolute; inset: 12px; border: 1px solid rgba(201,164,92,.35); pointer-events: none; }
.cta-panel > * { position: relative; }
.cta-panel h2 { color: #fff; }

/* ---------- Forms ---------- */
.form-frame { background: #fff; border: 1px solid var(--pfz-line); padding: 2.8rem; box-shadow: var(--pfz-shadow); }
.form-label { font-weight: 700; font-size: .8rem; letter-spacing: .12em; text-transform: uppercase; color: var(--pfz-navy); }
.form-control, .form-select { border-radius: 0; border: 1px solid var(--pfz-line); padding: .85rem 1rem; background-color: var(--pfz-ivory); }
.form-control:focus, .form-select:focus { border-color: var(--pfz-gold); box-shadow: 0 0 0 .2rem rgba(201,164,92,.2); background-color: #fff; }
.form-check-input { border-radius: 0 !important; }
.form-check-input:checked { background-color: var(--pfz-navy); border-color: var(--pfz-navy); }
.hp-field { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }
.form-status { display: none; margin-top: 1rem; padding: .95rem 1.1rem; font-weight: 700; border: 1px solid; }
.form-status.show { display: block; }
.form-status.success { background: #e8f4ee; color: #1f6b4f; border-color: #b9dccb; }
.form-status.error { background: #fbece8; color: #9b2e16; border-color: #f0c4b8; }
.btn .spinner-border { width: 1rem; height: 1rem; border-width: .15em; margin-right: .4rem; }

.contact-detail { background: #fff; border: 1px solid var(--pfz-line); padding: 2rem; text-align: center; height: 100%; transition: border-color .25s ease, transform .25s ease; }
.contact-detail:hover { border-color: var(--pfz-gold); transform: translateY(-4px); }
.contact-detail i { width: 60px; height: 60px; display: inline-grid; place-items: center; border: 1px solid var(--pfz-gold); color: var(--pfz-gold-dark); font-size: 1.5rem; transform: rotate(45deg); margin-bottom: 1.2rem; }
.contact-detail i::before { transform: rotate(-45deg); }
.contact-detail h3 { font-size: 1.2rem; margin-bottom: .4rem; }
.contact-detail p, .contact-detail a { margin: 0; color: var(--pfz-muted); font-weight: 700; overflow-wrap: anywhere; }
.contact-detail a:hover { color: var(--pfz-gold-dark); }
.map-frame { border: 1px solid var(--pfz-line); line-height: 0; height: 100%; min-height: 420px; }
.map-frame iframe { width: 100%; height: 100%; min-height: 420px; border: 0; }

/* ---------- Values ---------- */
.value { text-align: center; padding: 2.2rem 1.6rem; border: 1px solid var(--pfz-line); background: #fff; height: 100%; }
.value i { font-size: 2rem; color: var(--pfz-gold-dark); }
.value h3 { font-size: 1.3rem; margin: .9rem 0 .5rem; }
.value p { margin: 0; color: var(--pfz-muted); }

/* ---------- Legal ---------- */
.legal-page { background: #fff; border: 1px solid var(--pfz-line); padding: 3.2rem; }
.legal-page h2 { font-size: 1.45rem; margin: 2.4rem 0 .8rem; }
.legal-page h2:first-child { margin-top: 0; }
.legal-page p, .legal-page li { color: #3a4352; }
.legal-index { position: sticky; top: 110px; }
.legal-index a { display: block; padding: .5rem 0; border-bottom: 1px dashed var(--pfz-line); color: var(--pfz-muted); font-weight: 700; font-size: .92rem; }
.legal-index a:hover { color: var(--pfz-gold-dark); }

/* ---------- Footer ---------- */
.footer { background: var(--pfz-navy); color: #9aa7bf; padding: 90px 0 0; font-size: .96rem; border-top: 3px solid var(--pfz-gold); }
.footer h4 { color: #fff; font-size: 1.2rem; margin-bottom: 1.4rem; }
.footer a { color: #d4dbe8; }
.footer a:hover { color: var(--pfz-gold); }
.footer ul { list-style: none; padding: 0; margin: 0; }
.footer ul li { margin-bottom: .65rem; }
.footer .ln { display: flex; gap: .7rem; }
.footer .ln i { color: var(--pfz-gold); }
.footer .form-control { background: rgba(255,255,255,.05); border-color: rgba(201,164,92,.35); color: #fff; }
.footer .form-control::placeholder { color: #8090ab; }
.footer .form-control:focus { background: rgba(255,255,255,.09); }
.footer .form-status.success { background: rgba(61,139,110,.2); color: #b8ecd6; border-color: rgba(61,139,110,.5); }
.footer .form-status.error { background: rgba(224,122,95,.18); color: #ffc9ba; border-color: rgba(224,122,95,.5); }
.footer-bottom { border-top: 1px solid rgba(201,164,92,.2); margin-top: 60px; padding: 1.4rem 0; font-size: .88rem; }

.to-top { position: fixed; right: 22px; bottom: 22px; width: 48px; height: 48px; border: 1px solid var(--pfz-gold); background: var(--pfz-navy); color: var(--pfz-gold); font-size: 1.2rem; display: grid; place-items: center; opacity: 0; visibility: hidden; transition: all .3s ease; z-index: 1000; }
.to-top.show { opacity: 1; visibility: visible; }
.to-top:hover { background: var(--pfz-gold); color: var(--pfz-navy); }

.fade-in { opacity: 0; transform: translateY(26px); transition: opacity .8s ease, transform .8s ease; }
.fade-in.visible { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .fade-in { opacity: 1; transform: none; transition: none; } html { scroll-behavior: auto; } }

/* ---------- Responsive ---------- */
@media (max-width: 991.98px) {
  .section { padding: 80px 0; }
  .hero { padding: 80px 0 100px; }
  .hero .framed { margin-top: 2.6rem; }
  .masthead .navbar-collapse { padding: 1rem 0; }
  .hl-item + .hl-item { border-left: 0; border-top: 1px solid var(--pfz-line); }
  .newsletter-box .copy, .cta-panel { padding: 2.4rem 1.6rem; }
  .legal-index { position: static; }
}
@media (max-width: 575.98px) {
  .g-5, .gx-5 { --bs-gutter-x: 1.5rem; }
  .brand-logo { font-size: 1.18rem; gap: .5rem; }
  .brand-logo .crest { width: 32px; height: 32px; flex-basis: 32px; font-size: .9rem; }
  .framed::before { inset: 10px -10px -10px 10px; }
  .planner, .form-frame, .legal-page { padding: 1.5rem; }
  .hero::before, .page-hero::before { inset: 10px; }
}