/* TKG Enterprises Financial Services — brand styles */
@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:wght@400;500;600;700&family=Inter:wght@300;400;500;600;700&family=Uncial+Antiqua&display=swap');
:root{--navy:#0A3161;--navy-2:#08294F;--navy-3:#103A6B;--gold:#C2A04A;--gold-2:#A8863A;--gold-lt:#D4B25C;--red:#BF0A30;--red-2:#A50826;--cream:#F7F5F0;--paper:#FBFAF7;--ink:#15202B;--muted:#5A6473;--line:#E6E1D6;--maxw:1120px}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,-apple-system,sans-serif;color:var(--ink);background:var(--paper);line-height:1.65;-webkit-font-smoothing:antialiased}
h1,h2,h3,.serif{font-family:'Cormorant Garamond',Georgia,serif;font-weight:700;line-height:1.1;letter-spacing:-.01em}
a{color:inherit;text-decoration:none}
.container{max-width:var(--maxw);margin:0 auto;padding:0 28px}
.eyebrow{font-size:.72rem;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-2);font-weight:700;margin-bottom:18px}

/* ===== FULL-WIDTH FLAG STRIPE (top of every page) ===== */
.flagstripe{height:6px;width:100%;background:linear-gradient(90deg,var(--navy) 0 47%,#FBFAF7 47% 53%,var(--red) 53% 100%)}

/* ===== NAV ===== */
.nav{position:sticky;top:0;z-index:50;background:rgba(10,49,97,.97);backdrop-filter:blur(8px);border-bottom:1px solid rgba(194,160,74,.22)}
.nav .container{display:flex;align-items:center;justify-content:space-between;height:74px}
.brand{display:flex;align-items:center;color:#fff}
.brand svg{height:40px;width:auto;display:block}
.brand .brand-compact{display:none}
@media(max-width:560px){.brand .brand-full{display:none}.brand .brand-compact{display:block;height:34px}}
.navlinks{display:flex;gap:30px;align-items:center}
.navlinks a{color:#D7DEE8;font-size:.86rem;letter-spacing:.01em;transition:color .2s}
.navlinks a:hover{color:var(--gold)}

/* ===== BUTTONS ===== */
.btn{display:inline-block;font-weight:600;font-size:.86rem;letter-spacing:.02em;padding:13px 26px;border-radius:2px;cursor:pointer;border:1px solid transparent;transition:all .2s;text-align:center}
.btn-gold{background:var(--gold);color:var(--navy);box-shadow:0 2px 14px rgba(194,160,74,.25)}
.btn-gold:hover{background:var(--gold-lt)}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.4)}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-3)}
.btn-lg{padding:17px 36px;font-size:.96rem}
.btn-block{display:block;width:100%}
@media(max-width:780px){.navlinks{display:none}}

/* ===== HERO ===== */
.hero{background:linear-gradient(155deg,var(--navy) 0%,var(--navy-2) 58%,#06203F 100%);color:#fff;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-140px;top:-140px;width:520px;height:520px;border:1px solid rgba(194,160,74,.16);border-radius:50%}
.hero:before{content:"";position:absolute;left:-90px;bottom:-160px;width:360px;height:360px;border:1px solid rgba(194,160,74,.10);border-radius:50%}
.hero .container{padding-top:66px;padding-bottom:84px;position:relative;z-index:2;max-width:900px}
.hero .eyebrow{color:var(--gold)}
.hero h1{font-size:clamp(2.7rem,5.8vw,4.4rem);color:#fff;margin-bottom:0;font-weight:700}
.hero h1 em{font-style:italic;color:var(--gold)}
.redrule{width:72px;height:5px;background:var(--red);margin:26px 0 30px;border-radius:2px}
.hero p.lead{font-size:1.2rem;color:#D2DBE6;font-weight:300;max-width:700px;margin-bottom:40px}
.hero p.lead strong{color:#fff;font-weight:500}

/* ===== FOCUSED CTA ===== */
.ctablock{max-width:440px}
.ctaband .ctablock{margin:0 auto}
.btn-cta{font-size:1.06rem;font-weight:700;padding:21px 40px;letter-spacing:.01em;position:relative;animation:ctapulse 2.6s ease-in-out infinite}
@keyframes ctapulse{0%,100%{box-shadow:0 4px 22px rgba(194,160,74,.30)}50%{box-shadow:0 6px 34px rgba(194,160,74,.55)}}
.cta-desc{font-size:.94rem;color:#C2D0E0;margin-top:14px;line-height:1.6}
.cta-desc b{color:#fff;font-weight:600}
.hero .micro{margin-top:16px;font-size:.76rem;color:#8FA0B6;letter-spacing:.08em;text-transform:uppercase}
/* mid-page CTA strip */
.midcta{text-align:center;padding-top:6px}
.midcta .btn{min-width:300px}
.midcta .micro{display:block;margin-top:12px;font-size:.76rem;color:var(--muted);letter-spacing:.08em;text-transform:uppercase}
.dark .midcta .micro{color:#8FA0B6}

/* ===== SECTIONS ===== */
section{padding:90px 0}
.section-head{max-width:730px;margin-bottom:54px}
.section-head h2{font-size:clamp(2rem,3.8vw,2.9rem);margin-bottom:16px;color:var(--navy)}
.section-head p{color:var(--muted);font-size:1.07rem}
.alt{background:var(--cream)}
.dark{background:var(--navy);color:#fff}
.dark .section-head h2{color:#fff}
.dark .section-head p{color:#B9C4D2}

/* ===== PROBLEM CARDS — bold red numerals ===== */
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.pcard{background:#fff;border:1px solid var(--line);border-top:3px solid var(--gold);padding:34px 30px;position:relative}
.pcard .n{font-family:'Cormorant Garamond',serif;font-size:2.6rem;font-weight:700;color:var(--red);line-height:1;margin-bottom:16px}
.pcard .q{font-family:'Cormorant Garamond',serif;font-size:1.5rem;line-height:1.32;color:var(--navy);font-weight:600}

/* ===== FEATURES ===== */
.feat{display:grid;grid-template-columns:repeat(3,1fr);gap:34px}
.feat .f h3{font-size:1.55rem;color:var(--navy);margin-bottom:10px}
.feat .f .k{font-size:.72rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-2);font-weight:700;margin-bottom:14px}
.feat .f p{color:var(--muted);font-size:.99rem}

/* ===== STEPS ===== */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.step{padding:30px 24px;background:#fff;border:1px solid var(--line);border-top:3px solid var(--navy);position:relative}
.step b{font-family:'Cormorant Garamond',serif;font-size:1.45rem;color:var(--navy);display:block;margin-bottom:8px;font-weight:700}
.step span{color:var(--muted);font-size:.92rem}
.step .num{position:absolute;top:18px;right:20px;font-family:'Cormorant Garamond',serif;color:var(--gold);opacity:.55;font-size:1.4rem;font-weight:700}

/* ===== $1.4 TRILLION ANCHOR ===== */
.proof{text-align:center;max-width:860px;margin:0 auto}
.proof .kicker{display:inline-block;font-size:.72rem;letter-spacing:.22em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:30px;padding-bottom:14px;border-bottom:3px solid var(--red)}
.proof .big{font-family:'Cormorant Garamond',serif;font-size:clamp(4rem,12vw,8.5rem);color:var(--gold);line-height:.92;font-weight:700;letter-spacing:-.02em}
.proof .biglabel{font-size:.8rem;letter-spacing:.3em;text-transform:uppercase;color:#9FB0C6;margin-top:14px;font-weight:600}
.proof .big-sub{font-size:1.16rem;color:#C8D2DF;margin-top:30px;line-height:1.7}
.proof .big-sub strong{color:#fff;font-weight:600}

/* ===== CTA BAND ===== */
.ctaband{background:linear-gradient(120deg,var(--navy),var(--navy-3));color:#fff;text-align:center;position:relative}
.ctaband:before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,var(--gold) 0 88%,var(--red) 88% 100%)}
.ctaband h2{font-size:clamp(2rem,4vw,2.9rem);color:#fff;margin-bottom:18px}
.ctaband p{color:#C4CFDC;max-width:580px;margin:0 auto 32px;font-size:1.06rem}
.ctaband .ctastack{margin:0 auto;align-items:center}

/* ===== FOOTER ===== */
.footer{background:#061C33;color:#9AA8BA;padding:56px 0 30px;font-size:.84rem}
.footer .container{display:flex;justify-content:space-between;gap:40px;flex-wrap:wrap}
.footer .brandblock svg{height:46px;width:auto;margin-bottom:14px}
.footer .addr{color:#9AA8BA;line-height:1.7}
.footer .phone{margin-top:8px}
.footer .phone a{color:#C9D3E0;font-weight:600}
.footer .seal{display:inline-flex;align-items:center;gap:8px;margin-top:14px;font-size:.66rem;letter-spacing:.18em;text-transform:uppercase;color:#C9D3E0}
.footer .seal b{color:var(--red);font-size:1.1rem;line-height:1}
.footer a{color:#9AA8BA}.footer a:hover{color:var(--gold)}
.footer .social{display:flex;gap:18px;margin-top:16px}
.footer .colhead{font-family:'Cormorant Garamond',serif;color:#fff;font-size:1.05rem;margin-bottom:10px;font-weight:600}
.footer .disc{border-top:1px solid rgba(255,255,255,.08);margin-top:36px;padding-top:24px;font-size:.74rem;color:#6A7889;line-height:1.7;max-width:920px}

/* ===== ARTICLE (briefing) ===== */
.report{max-width:760px;margin:0 auto;padding:72px 28px 90px}
.report .deck{font-size:1.25rem;color:var(--muted);font-weight:300;margin:6px 0 38px}
.report h1{font-size:clamp(2.2rem,4.4vw,3.1rem);color:var(--navy);margin-bottom:8px}
.report h2{font-size:1.7rem;color:var(--navy);margin:44px 0 14px}
.report p{margin-bottom:18px;font-size:1.06rem}
.report ul.clean{list-style:none;margin:0 0 18px}
.report ul.clean li{padding:12px 0 12px 30px;position:relative;border-bottom:1px solid var(--line);font-size:1.05rem}
.report ul.clean li:before{content:"";position:absolute;left:0;top:20px;width:12px;height:3px;background:var(--red)}
.report .pull{font-family:'Cormorant Garamond',serif;font-size:1.6rem;line-height:1.4;color:var(--navy);border-left:4px solid var(--gold);padding:6px 0 6px 26px;margin:34px 0}
.report .endcta{background:var(--cream);border:1px solid var(--line);border-top:3px solid var(--gold);padding:38px 34px;margin-top:48px;text-align:center}
.report .endcta h3{font-size:1.8rem;color:var(--navy);margin-bottom:10px}
.report .endcta p{color:var(--muted)}

/* ===== SPLIT (reserve form) ===== */
.split{display:grid;grid-template-columns:1fr 1fr;gap:0;min-height:calc(100vh - 80px)}
.split .left{background:linear-gradient(155deg,var(--navy),#06203F);color:#fff;padding:80px 56px}
.split .left h1{font-size:clamp(2rem,3.6vw,2.8rem);color:#fff;margin-bottom:18px}
.split .left h1 em{font-style:italic;color:var(--gold)}
.split .left>p{color:#C8D2DF;font-size:1.08rem;margin-bottom:28px;font-weight:300}
.split .left ul{list-style:none}
.split .left ul li{padding:13px 0 13px 28px;position:relative;border-top:1px solid rgba(255,255,255,.1);color:#DCE3EC}
.split .left ul li:before{content:"";position:absolute;left:0;top:20px;width:13px;height:3px;background:var(--gold)}
.split .left ul li em{font-style:normal;color:var(--gold)}
.split .right{background:var(--cream);padding:80px 56px;display:flex;align-items:center}
.formcard{background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);padding:40px 36px;width:100%;max-width:440px;margin:0 auto;box-shadow:0 20px 60px rgba(10,49,97,.10)}
.formcard h3{font-size:1.9rem;color:var(--navy);margin-bottom:6px}
.formcard .sub{color:var(--muted);font-size:.95rem;margin-bottom:22px}
.field{margin-bottom:16px}
.field label{display:block;font-size:.74rem;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);font-weight:600;margin-bottom:6px}
.field input,.field select{width:100%;padding:13px 14px;border:1px solid var(--line);border-radius:2px;font-family:inherit;font-size:.96rem;color:var(--ink);background:#fff}
.field input:focus,.field select:focus{outline:none;border-color:var(--gold)}
.fine{font-size:.72rem;color:var(--muted);line-height:1.6;margin-top:14px}

@media(max-width:880px){.split{grid-template-columns:1fr}.split .left,.split .right{padding:56px 32px}}
@media(max-width:780px){.grid3,.feat,.steps{grid-template-columns:1fr}section{padding:62px 0}.hero .container{padding-top:66px;padding-bottom:74px}.container{padding:0 22px}.footer .container{flex-direction:column;gap:28px}.ctastack{max-width:100%}}