:root {
  --navy:   #0B1628;
  --navy2:  #111F35;
  --navy3:  #1A2E4A;
  --gold:   #C8920A;
  --gold-l: #E8C048;
  --gold-d: #A87808;
  --cream:  #F7F5F0;
  --stone:  #E2DED6;
  --ink:    #1A2A3A;
  --ink60:  #364D6A;
  --muted:  #7A90A8;
  --white:  #FFFFFF;
  --tab-h:  52px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
body {
  font-family: 'Barlow', sans-serif;
  background: var(--cream);
  color: var(--ink);
  min-height: 100vh;
  -webkit-font-smoothing: antialiased;
}

/* ── HEADER ─────────────────────────────── */
.header {
  background: var(--navy);
  padding: 0;
  position: relative;
  overflow: hidden;
  border: 4px solid var(--gold);
  box-shadow: 0 0 0 0px var(--gold);
}
.header::before {
  content: '';
  position: absolute;
  left: 0; top: 0; bottom: 0;
  width: 5px;
  background: var(--gold);
}
.header::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-l), var(--gold));
}
.header-inner {
  max-width: 1100px;
  margin: 0 auto;
  padding: 28px 48px 32px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
}
.header-brand { flex: 1; }
.header-eyebrow {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 10px;
  letter-spacing: .25em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 700;
  margin-bottom: 8px;
}
.header-title {
  font-family: 'Playfair Display', serif;
  font-size: 28px;
  font-weight: 900;
  color: var(--white);
  line-height: 1.1;
}
.header-title em {
  font-style: italic;
  color: var(--gold);
}
.header-tagline {
  margin-top: 8px;
  font-size: 13px;
  color: var(--muted);
  font-weight: 400;
}
.header-contact {
  text-align: right;
  flex-shrink: 0;
}
.header-contact-name {
  font-family: 'Playfair Display', serif;
  font-size: 17px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 6px;
}
.header-contact-item {
  font-size: 12px;
  color: var(--muted);
  margin-bottom: 3px;
}
.header-contact-item a {
  color: var(--gold);
  text-decoration: none;
}
.header-contact-item a:hover { color: var(--gold-l); }
.header-badge {
  display: inline-block;
  background: var(--gold);
  color: var(--navy);
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 9px;
  font-weight: 800;
  letter-spacing: .15em;
  text-transform: uppercase;
  padding: 3px 10px;
  border-radius: 2px;
  margin-bottom: 10px;
}

/* ── TAB NAV ─────────────────────────────── */
.tab-nav-wrap {
  background: var(--navy2);
  border-bottom: 2px solid var(--navy3);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 20px rgba(0,0,0,.3);
}
.tab-nav {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 48px;
  display: flex;
  gap: 0;
  overflow-x: auto;
  scrollbar-width: none;
}
.tab-nav::-webkit-scrollbar { display: none; }
.tab-btn {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: #FFFFFF;
  background: none;
  border: none;
  padding: 0 22px;
  height: var(--tab-h);
  cursor: pointer;
  position: relative;
  white-space: nowrap;
  transition: color .2s;
  display: flex;
  align-items: center;
  gap: 8px;
}
.tab-btn::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: var(--gold);
  transform: scaleX(0);
  transition: transform .2s;
}
.tab-btn:hover { color: var(--gold-l); }
.tab-btn.active {
  color: var(--gold-l);
}
.tab-btn.active::after { transform: scaleX(1); }
.tab-icon {
  font-size: 14px;
  opacity: .8;
}

/* ── CONTENT ─────────────────────────────── */
.tab-content {
  max-width: 1100px;
  margin: 0 auto;
  padding: 40px 48px 60px;
  display: none;
  animation: fadeUp .25s ease;
}
.tab-content.active { display: block; }
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(12px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* ── SECTION ELEMENTS ─────────────────────── */
.section-label {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 10px;
  letter-spacing: .25em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 700;
  margin-bottom: 6px;
}
.section-title {
  font-family: 'Playfair Display', serif;
  font-size: 26px;
  font-weight: 900;
  color: var(--navy);
  line-height: 1.15;
  margin-bottom: 8px;
}
.section-title em { font-style: italic; color: var(--gold); }
.section-intro {
  font-size: 14px;
  color: var(--ink60);
  line-height: 1.75;
  max-width: 720px;
  margin-bottom: 28px;
}
.divider {
  height: 1px;
  background: var(--stone);
  margin: 28px 0;
}

/* ── CARDS & GRIDS ─────────────────────────── */
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.grid-3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 16px; }
.grid-auto { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 16px; }
@media(max-width: 768px) { .grid-2, .grid-3, .grid-auto { grid-template-columns: 1fr; } }

.card {
  background: var(--white);
  border: 1px solid var(--stone);
  border-radius: 6px;
  padding: 22px 24px;
  position: relative;
}
.card-gold {
  border-left: 4px solid var(--gold);
}
.card-dark {
  background: var(--cream);
  border-color: var(--stone);
  color: var(--ink);
}
.card-label {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 9.5px;
  letter-spacing: .2em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 700;
  margin-bottom: 8px;
}
.card-title {
  font-weight: 700;
  font-size: 15px;
  color: var(--navy);
  margin-bottom: 6px;
}
.card-dark .card-title { color: var(--navy); }
.card-value {
  font-family: 'Playfair Display', serif;
  font-size: 30px;
  font-weight: 900;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 4px;
}
.card-sub {
  font-size: 11px;
  color: var(--muted);
}
.card-body {
  font-size: 13px;
  color: var(--ink60);
  line-height: 1.7;
}
.card-dark .card-body { color: var(--ink60); }

/* ── STAT ROW ─────────────────────────────── */
.stat-row {
  display: flex;
  gap: 0;
  background: var(--navy);
  border-radius: 8px;
  overflow: hidden;
  margin-bottom: 28px;
}
.stat-item {
  flex: 1;
  padding: 20px 24px;
  text-align: center;
  border-right: 1px solid rgba(255,255,255,.07);
}
.stat-item:last-child { border-right: none; }
.stat-num {
  font-family: 'Playfair Display', serif;
  font-size: 22px;
  font-weight: 900;
  color: #FFFFFF;
  display: block;
  margin-bottom: 4px;
}
.stat-label {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 9px;
  letter-spacing: .15em;
  text-transform: uppercase;
  color: #FFFFFF;
}

/* ── BULLET LISTS ─────────────────────────── */
.check-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.check-list li {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  font-size: 13.5px;
  color: var(--ink60);
  line-height: 1.6;
}
.check-list li::before {
  content: '✓';
  color: var(--gold);
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 1px;
  font-size: 13px;
}
.plus-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.plus-list li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 13px;
  color: var(--ink60);
  line-height: 1.6;
}
.plus-list li::before {
  content: '+';
  color: var(--gold);
  font-weight: 800;
  flex-shrink: 0;
  font-size: 14px;
  line-height: 1.4;
}

/* ── TABLE ─────────────────────────────────── */
.data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13px;
}
.data-table th {
  background: var(--navy);
  color: var(--white);
  padding: 11px 16px;
  text-align: left;
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 9.5px;
  letter-spacing: .15em;
  text-transform: uppercase;
  font-weight: 700;
}
.data-table td {
  padding: 12px 16px;
  border-bottom: 1px solid var(--stone);
  color: var(--ink60);
  vertical-align: top;
}
.data-table tr:last-child td { border-bottom: none; }
.data-table tr:nth-child(even) td { background: var(--cream); }
.data-table .td-label { font-weight: 600; color: var(--navy); }
.data-table .td-gold { color: var(--gold); font-weight: 700; font-size: 15px; font-family: 'Playfair Display', serif; }

/* ── OBJECTION CARDS ─────────────────────── */
.objection {
  background: var(--white);
  border: 1px solid var(--stone);
  border-radius: 6px;
  overflow: hidden;
  margin-bottom: 16px;
}
.objection-q {
  background: var(--navy);
  padding: 14px 20px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
}
.objection-q-badge {
  width: 24px; height: 24px;
  background: var(--gold);
  color: var(--navy);
  border-radius: 50%;
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 10px;
  font-weight: 900;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}
.objection-q-text {
  font-family: 'Playfair Display', serif;
  font-size: 14px;
  font-weight: 700;
  color: var(--white);
  font-style: normal;
  line-height: 1.4;
}
.objection-a {
  padding: 16px 20px;
  font-size: 13px;
  color: var(--ink60);
  line-height: 1.75;
}
.objection-a strong { color: var(--navy); }

/* ── PROCESS STEPS ───────────────────────── */
.steps { display: flex; flex-direction: column; gap: 0; }
.step {
  display: flex;
  gap: 20px;
  padding: 20px 0;
  border-bottom: 1px solid var(--stone);
  align-items: flex-start;
}
.step:last-child { border-bottom: none; }
.step-num {
  width: 38px; height: 38px;
  background: var(--gold);
  color: var(--navy);
  border-radius: 50%;
  font-family: 'Playfair Display', serif;
  font-size: 17px;
  font-weight: 900;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.step-body { flex: 1; }
.step-title {
  font-weight: 700;
  font-size: 15px;
  color: var(--navy);
  margin-bottom: 4px;
}
.step-desc {
  font-size: 13px;
  color: var(--ink60);
  line-height: 1.7;
}
.step-tip {
  margin-top: 10px;
  background: rgba(200,146,10,.08);
  border-left: 3px solid var(--gold);
  padding: 10px 14px;
  font-size: 12px;
  color: var(--navy);
  border-radius: 0 4px 4px 0;
}
.step-time {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 9px;
  letter-spacing: .15em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 700;
  margin-bottom: 4px;
}

/* ── HIGHLIGHT BOX ───────────────────────── */
.highlight {
  background: var(--navy);
  border-radius: 8px;
  padding: 28px 32px;
  margin-bottom: 24px;
  position: relative;
  overflow: hidden;
}
.highlight::before {
  content: '';
  position: absolute;
  top: 0; left: 32px; right: 32px;
  height: 2px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
  opacity: .5;
}
.highlight blockquote {
  font-family: 'Playfair Display', serif;
  font-size: 16px;
  font-style: italic;
  color: var(--white);
  line-height: 1.6;
  border-left: 2px solid var(--gold);
  padding-left: 16px;
  margin-bottom: 10px;
}
.highlight-attr {
  font-size: 11px;
  color: var(--gold);
  font-family: 'Barlow Condensed', sans-serif;
  letter-spacing: .1em;
  text-transform: uppercase;
  font-weight: 700;
}

/* ── INCOME ILLUSTRATION ─────────────────── */
.income-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 11px 16px;
  border-bottom: 1px solid rgba(255,255,255,.06);
  font-size: 13px;
}
.income-row:last-child { border-bottom: none; }
.income-label { color: rgba(255,255,255,.65); }
.income-val { font-weight: 700; color: var(--gold-l); font-family: 'Playfair Display', serif; font-size: 15px; }
.income-val.total { color: var(--gold); font-size: 18px; }
.income-val.deduct { color: rgba(255,255,255,.4); font-size: 13px; font-family: 'Barlow', sans-serif; font-weight: 400; }
.income-label.bold { color: rgba(255,255,255,.9); font-weight: 600; }

/* ── FOOTER ──────────────────────────────── */
.page-footer {
  background: var(--navy);
  padding: 24px 48px;
  text-align: center;
  border-top: 2px solid var(--gold);
  margin-top: 40px;
}
.page-footer p {
  font-size: 10px;
  color: var(--muted);
}

/* ── PRINT ────────────────────────────────── */
@media print {
  .tab-nav-wrap { display: none; }
  .tab-content { display: block !important; page-break-before: always; }
  .tab-content:first-of-type { page-break-before: avoid; }
  body { background: white; }
}