/* ============================================================
   DFRRF 101 — Shared Stylesheet
   Denton Firemen's Relief & Retirement Fund
   ============================================================ */

/* --- Design Tokens --- */
:root {
  --navy: #1a2744;
  --navy-light: #243352;
  --gold: #c8a84e;
  --gold-light: #e8d08e;
  --gold-dim: rgba(200, 168, 78, 0.15);
  --cream: #faf8f2;
  --warm-gray: #f0ece4;
  --text: #2c2c2c;
  --text-light: #5a5a5a;
  --red-accent: #b03030;
  --green-accent: #2a7a3a;
  --blue-accent: #2660a4;
  --section-gap: 3.5rem;
}

/* --- Reset --- */
* { margin: 0; padding: 0; box-sizing: border-box; }

body {
  font-family: 'Source Sans 3', 'Segoe UI', sans-serif;
  color: var(--text);
  background: var(--cream);
  line-height: 1.65;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  padding-top: 56px;
}

/* ============================================================
   NAVIGATION
   ============================================================ */
.nav-bar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: var(--navy); height: 56px;
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 1.25rem;
  border-bottom: 3px solid var(--gold);
  transition: box-shadow .3s;
}
.nav-bar.scrolled { box-shadow: 0 2px 16px rgba(0,0,0,.25); }

.nav-brand {
  display: flex; align-items: center; gap: .6rem;
  text-decoration: none; color: #fff;
}
.nav-brand img { width: 34px; height: 34px; border-radius: 2px; }
.nav-brand-text {
  font-family: 'Merriweather', Georgia, serif;
  font-weight: 700; font-size: .92rem;
  letter-spacing: .3px; line-height: 1.2;
}
.nav-brand-sub {
  font-family: 'Source Sans 3', sans-serif;
  font-size: .65rem; font-weight: 400; opacity: .6;
  letter-spacing: 1.5px; text-transform: uppercase;
}

/* --- Desktop nav links (visible ≥769px) --- */
.nav-links {
  display: none;
  align-items: center;
  gap: .15rem;
}
.nav-links a {
  color: rgba(255,255,255,.7);
  text-decoration: none;
  font-size: .84rem;
  font-weight: 600;
  padding: .35rem .75rem;
  border-radius: 3px;
  transition: color .2s, background .2s;
  position: relative;
  white-space: nowrap;
}
.nav-links a:hover {
  color: #fff;
  background: rgba(255,255,255,.08);
}
.nav-links a.active {
  color: var(--gold);
}
.nav-links a.active::after {
  content: '';
  position: absolute;
  bottom: -2px; left: .75rem; right: .75rem;
  height: 2px;
  background: var(--gold);
  border-radius: 1px;
}
.nav-links .nav-sep {
  width: 1px; height: 18px;
  background: rgba(255,255,255,.15);
  margin: 0 .25rem;
  flex-shrink: 0;
}
.nav-links .external-indicator {
  font-size: .7rem;
  opacity: .5;
  margin-left: 2px;
}
/* --- Hamburger (visible <769px) --- */
.hamburger {
  width: 42px; height: 42px;
  background: none; border: none; cursor: pointer;
  display: flex; flex-direction: column;
  align-items: center; justify-content: center;
  gap: 5px; padding: 8px; border-radius: 4px;
  transition: background .2s; z-index: 1002;
}
.hamburger:hover { background: rgba(255,255,255,.1); }
.hamburger span {
  display: block; width: 22px; height: 2px;
  background: #fff; border-radius: 2px;
  transition: transform .3s, opacity .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 drawer --- */
.nav-overlay {
  position: fixed; top: 0; left: 0; right: 0; bottom: 0;
  background: rgba(0,0,0,.5); z-index: 999;
  opacity: 0; visibility: hidden;
  transition: opacity .3s, visibility .3s;
}
.nav-overlay.open { opacity: 1; visibility: visible; }

.nav-drawer {
  position: fixed; top: 0; right: -320px;
  width: 300px; max-width: 85vw; height: 100vh;
  background: var(--navy); z-index: 1001;
  transition: right .35s cubic-bezier(.25,.46,.45,.94);
  display: flex; flex-direction: column;
  padding-top: 72px; overflow-y: auto;
}
.nav-drawer.open { right: 0; }
.nav-drawer a {
  display: flex; align-items: center; gap: 12px;
  padding: 14px 24px;
  color: rgba(255,255,255,.85); text-decoration: none;
  font-size: 1rem; font-weight: 600;
  border-left: 3px solid transparent;
  transition: all .2s;
}
.nav-drawer a:hover,
.nav-drawer a.active {
  color: #fff;
  background: rgba(200,168,78,.1);
  border-left-color: var(--gold);
}
.nav-drawer .nav-icon {
  font-size: 1.15rem; width: 24px;
  text-align: center; flex-shrink: 0;
}
.nav-drawer .nav-divider {
  height: 1px; background: rgba(255,255,255,.08);
  margin: 8px 24px;
}
.nav-drawer .nav-section-label {
  font-size: .68rem; text-transform: uppercase;
  letter-spacing: 2px; color: var(--gold);
  padding: 16px 24px 6px; font-weight: 700;
}

/* ============================================================
   LAYOUT
   ============================================================ */
.container {
  max-width: 880px;
  margin: 0 auto;
  padding: 0 1.5rem;
  position: relative;
}

section { padding: var(--section-gap) 0; }
section + section { border-top: 1px solid #ddd8cc; }

/* ============================================================
   TYPOGRAPHY
   ============================================================ */
h2 {
  font-family: 'Merriweather', Georgia, serif;
  font-size: 1.45rem; font-weight: 700;
  color: var(--navy); margin-bottom: 1rem; line-height: 1.3;
}
h3 {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 1.1rem; font-weight: 700;
  color: var(--navy); margin: 1.5rem 0 .5rem;
}
p { margin-bottom: 1rem; color: var(--text); }
.muted { color: var(--text-light); }
/* ============================================================
   HERO SECTIONS
   ============================================================ */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: #fff; padding: 3rem 1.5rem;
  text-align: center; position: relative; overflow: hidden;
}
.hero-crest {
  position: absolute; left: 3.5rem;
  top: calc(50% - .5rem); transform: translateY(-50%);
  width: 270px; height: auto; opacity: .9;
  pointer-events: none;
  filter: drop-shadow(0 2px 8px rgba(0,0,0,.3));
}
.hero::after {
  content: ''; position: absolute;
  bottom: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light), var(--gold));
}
.hero-badge {
  display: inline-block; font-size: .7rem;
  letter-spacing: 3px; text-transform: uppercase;
  color: var(--gold); border: 1px solid var(--gold);
  border-radius: 2px; padding: .3rem 1rem;
  margin-bottom: 1.2rem; font-weight: 600;
}
.hero h1 {
  font-family: 'Merriweather', Georgia, serif;
  font-size: clamp(1.6rem, 4vw, 2.4rem);
  font-weight: 900; line-height: 1.25; margin-bottom: .6rem;
  color: #fff !important;
}
.hero .subtitle {
  font-size: 1.05rem; font-weight: 300;
  opacity: .85; max-width: 600px; margin: 0 auto;
  color: #fff !important;
}

/* Subpage hero (smaller) */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: #fff; padding: 2rem 1.5rem;
  text-align: center; position: relative; overflow: hidden;
}
.page-hero::after {
  content: ''; position: absolute;
  bottom: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light), var(--gold));
}
.page-hero h1 {
  font-family: 'Merriweather', Georgia, serif;
  font-size: clamp(1.3rem, 3.5vw, 1.8rem);
  font-weight: 900; line-height: 1.3; margin-bottom: .3rem;
  color: #fff !important;
}
.page-hero .subtitle {
  font-size: .95rem; font-weight: 300;
  opacity: .8; max-width: 550px; margin: 0 auto;
  color: #fff !important;
}

/* ============================================================
   STAT CARDS
   ============================================================ */
.stat-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 1rem; margin: 1.5rem 0;
}
.stat-card {
  background: #fff; border: 1px solid #e0dbd0;
  border-radius: 6px; padding: 1.1rem 1rem;
  text-align: center;
  transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease;
  cursor: default;
}
.stat-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 8px 24px rgba(26,39,68,.18);
  border-color: var(--gold);
}
.stat-card .number {
  font-family: 'Merriweather', Georgia, serif;
  font-size: 1.7rem; font-weight: 900;
  color: var(--navy); line-height: 1.1;
}
.stat-card .label {
  font-size: .78rem; color: var(--text-light);
  text-transform: uppercase; letter-spacing: .5px;
  margin-top: .3rem; line-height: 1.3;
}
/* ============================================================
   TIMELINE
   ============================================================ */
.timeline {
  position: relative; padding-left: 2rem; margin: 1.5rem 0;
}
.timeline::before {
  content: ''; position: absolute;
  left: 6px; top: 4px; bottom: 4px;
  width: 2px; background: var(--gold);
}
.timeline-item {
  position: relative; margin-bottom: 1.2rem; padding-left: .5rem;
}
.timeline-item::before {
  content: ''; position: absolute;
  left: -1.95rem; top: 6px;
  width: 10px; height: 10px;
  background: var(--gold); border-radius: 50%;
  border: 2px solid var(--cream);
}
.timeline-year { font-weight: 700; color: var(--navy); font-size: .9rem; }
.timeline-text { font-size: .95rem; color: var(--text); margin: 0; }

/* ============================================================
   INFO BOXES
   ============================================================ */
.info-box {
  background: #fff;
  border-left: 4px solid var(--gold);
  border-radius: 0 6px 6px 0;
  padding: 1.2rem 1.5rem;
  margin: 1.5rem 0;
}
.info-box.navy-border { border-left-color: var(--navy); }

/* ============================================================
   TABLES
   ============================================================ */
.comparison-wrap {
  overflow-x: auto; margin: 1.5rem 0;
  -webkit-overflow-scrolling: touch;
}
table.comparison {
  width: 100%; border-collapse: collapse;
  font-size: .9rem; min-width: 600px;
}
table.comparison thead th {
  background: var(--navy); color: #fff;
  font-weight: 700; padding: .8rem 1rem;
  text-align: left; font-size: .82rem;
  text-transform: uppercase; letter-spacing: .5px;
}
table.comparison thead th:first-child { border-radius: 6px 0 0 0; }
table.comparison thead th:last-child  { border-radius: 0 6px 0 0; }
table.comparison tbody td {
  padding: .7rem 1rem;
  border-bottom: 1px solid #e8e4da;
  vertical-align: top;
}
table.comparison tbody tr:nth-child(even) td { background: var(--warm-gray); }
table.comparison .highlight-cell { font-weight: 700; color: var(--navy); }
.th-dfrrf { background: var(--navy) !important; }
.th-tmrs  { background: var(--blue-accent) !important; }
.th-401k  { background: var(--text-light) !important; }

table.board {
  width: 100%; border-collapse: collapse;
  font-size: .9rem; margin: 1rem 0;
}
table.board th {
  background: var(--warm-gray); padding: .6rem 1rem;
  text-align: left; font-weight: 700;
  font-size: .8rem; text-transform: uppercase;
  letter-spacing: .5px; color: var(--navy);
  border-bottom: 2px solid var(--gold);
}
table.board td {
  padding: .55rem 1rem;
  border-bottom: 1px solid #e8e4da;
}
/* ============================================================
   SCENARIO / RESULT CARDS
   ============================================================ */
.scenario-box {
  background: var(--warm-gray); border-radius: 8px;
  padding: 1.5rem; margin: 1.5rem 0;
  transition: transform .35s ease, box-shadow .35s ease;
  cursor: default;
}
.scenario-box:hover {
  transform: translateY(-5px) scale(1.008);
  box-shadow: 0 12px 32px rgba(200,168,78,.22), 0 4px 12px rgba(26,39,68,.10);
}
.scenario-box h4 {
  font-family: 'Merriweather', Georgia, serif;
  font-size: 1rem; color: var(--navy); margin-bottom: .8rem;
}

.result-row {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 1rem; margin-top: 1rem;
}
.result-card {
  background: #fff; border-radius: 6px;
  padding: 1rem; text-align: center;
  border: 1px solid #cdc7b8;
  border-top: 3px solid var(--navy);
  box-shadow: 0 2px 6px rgba(26,39,68,.07);
}
.result-card.tmrs { border-top-color: var(--blue-accent); }
.result-card.dc   { border-top-color: var(--text-light); }
.result-card .plan-name {
  font-size: .72rem; text-transform: uppercase;
  letter-spacing: 1px; color: var(--text-light);
  margin-bottom: .3rem; font-weight: 600;
}
.result-card .amount {
  font-family: 'Merriweather', Georgia, serif;
  font-size: 1.5rem; font-weight: 900; line-height: 1.1;
}
.result-card .amount.navy { color: var(--navy); }
.result-card .amount.blue { color: var(--blue-accent); }
.result-card .amount.gray { color: var(--text-light); }
.result-card .note {
  font-size: .75rem; color: var(--text-light); margin-top: .4rem;
}

/* ============================================================
   FUND HEALTH BARS
   ============================================================ */
.fund-bar-wrap { margin: 1.5rem 0; }
.fund-bar-row { display: flex; align-items: center; margin-bottom: .6rem; }
.fund-bar-label {
  width: 110px; font-size: .8rem;
  color: var(--text-light); flex-shrink: 0;
}
.fund-bar-track {
  flex: 1; height: 22px; background: #e8e4da;
  border-radius: 4px; overflow: hidden; position: relative;
}
.fund-bar-fill {
  height: 100%; border-radius: 4px 0 0 4px;
  display: flex; align-items: center; justify-content: flex-end;
  padding-right: 8px; font-size: .7rem;
  font-weight: 700; color: #fff;
  transition: width .6s ease;
}
.fund-bar-fill.good    { background: linear-gradient(90deg, var(--green-accent), #3a9a4a); }
.fund-bar-fill.caution { background: linear-gradient(90deg, #d4a012, #e8b832); }
.fund-bar-fill.warning { background: linear-gradient(90deg, var(--red-accent), #c04040); }
/* ============================================================
   TEAM CARDS — Rectangular, B&W → color on hover
   ============================================================ */
.team-grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 1.2rem; margin: 1.5rem 0;
}
.team-card {
  background: #fff; border: 1px solid #e0dbd0;
  border-radius: 10px; padding: 1.2rem 1rem;
  text-align: center;
  width: 155px; flex-shrink: 0;
  transition: transform .35s ease, box-shadow .35s ease, border-color .35s ease;
}
.team-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 10px 28px rgba(26,39,68,.18);
  border-color: var(--gold);
}
.team-avatar {
  width: 120px; height: 150px;
  border-radius: 8px; margin: 0 auto .8rem;
  background: var(--warm-gray); overflow: hidden;
  border: 2px solid var(--gold);
}
.team-avatar img {
  width: 100%; height: 100%; object-fit: cover;
  filter: grayscale(100%);
  transition: filter .4s ease;
}
.team-card:hover .team-avatar img {
  filter: grayscale(0%);
}
.team-name { font-weight: 700; color: var(--navy); font-size: .95rem; margin-bottom: .15rem; }
.team-role { font-size: .78rem; color: var(--text-light); }

/* ============================================================
   FEATURED SERVICE PROVIDER CARDS (Gary & Bill)
   ============================================================ */
.featured-providers {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.2rem; margin: 1.5rem 0;
}
.featured-card {
  background: #fff; border: 1px solid #e0dbd0;
  border-radius: 10px; padding: 1.5rem;
  display: flex; gap: 1.5rem; align-items: flex-start;
  transition: transform .35s ease, box-shadow .35s ease, border-color .35s ease;
}
.featured-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 10px 28px rgba(26,39,68,.18);
  border-color: var(--gold);
}
.featured-avatar {
  width: 120px; height: 150px;
  border-radius: 8px; overflow: hidden;
  border: 2px solid var(--gold);
  flex-shrink: 0;
  background: var(--warm-gray);
}
.featured-avatar img {
  width: 100%; height: 100%; object-fit: cover;
  filter: grayscale(100%);
  transition: filter .4s ease;
}
.featured-card:hover .featured-avatar img {
  filter: grayscale(0%);
}
.featured-info { flex: 1; }
.featured-role {
  font-size: .72rem; text-transform: uppercase;
  letter-spacing: 1px; color: var(--gold);
  font-weight: 700; margin-bottom: .4rem;
}
.featured-name {
  font-weight: 700; color: var(--navy);
  font-size: 1.1rem; margin-bottom: .2rem;
}
.featured-org-label {
  font-size: .8rem; color: var(--text-light);
  font-style: italic; margin-bottom: .3rem;
}
.featured-desc {
  font-size: .88rem; color: var(--text-light); line-height: 1.5;
  margin-bottom: .6rem;
}
.featured-contact a {
  color: var(--navy); font-size: .85rem; font-weight: 600;
  text-decoration: none; border-bottom: 1px solid var(--gold);
  transition: color .2s;
}
.featured-contact a:hover { color: var(--gold); }
/* ============================================================
   SERVICE PROVIDER CARDS
   ============================================================ */
.provider-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1rem; margin: 1.5rem 0;
}
.provider-card {
  background: #fff; border: 1px solid #e0dbd0;
  border-radius: 8px; padding: 1rem 1.2rem;
  transition: border-color .3s;
}
.provider-card:hover { border-color: var(--gold); }
.provider-role {
  font-size: .72rem; text-transform: uppercase;
  letter-spacing: 1px; color: var(--gold);
  font-weight: 700; margin-bottom: .3rem;
}
.provider-name {
  font-weight: 700; color: var(--navy);
  font-size: 1rem; margin-bottom: .3rem;
}
.provider-org {
  font-size: .88rem; color: var(--text-light); line-height: 1.5;
}
.provider-photo {
  width: 36px; height: 36px;
  border-radius: 50%; overflow: hidden;
  flex-shrink: 0; border: 1px solid var(--gold);
}
.provider-photo img { width: 100%; height: 100%; object-fit: cover; }

/* ============================================================
   DOCUMENT CARDS
   ============================================================ */
.doc-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1rem; margin: 1.5rem 0;
}
.doc-card {
  display: flex; gap: 1rem;
  background: #fff; border: 1px solid #e0dbd0;
  border-radius: 8px; padding: 1rem 1.2rem;
  text-decoration: none; color: inherit;
  transition: border-color .3s, transform .3s, box-shadow .3s;
}
.doc-card:hover {
  border-color: var(--gold);
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(26,39,68,.08);
}
.doc-icon {
  width: 44px; height: 44px; border-radius: 6px;
  display: flex; align-items: center; justify-content: center;
  font-size: .65rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: .5px;
  flex-shrink: 0;
}
.doc-icon.pdf { background: #e8d8d8; color: var(--red-accent); }
.doc-title {
  font-weight: 700; color: var(--navy);
  font-size: .95rem; margin-bottom: .25rem;
}
.doc-desc {
  font-size: .82rem; color: var(--text-light); line-height: 1.45;
}

/* ============================================================
   NEWSLETTER COMPONENTS
   ============================================================ */
.newsletter-block { text-align: center; padding: 1rem 0; }
.newsletter-block h2 { margin-bottom: .8rem; }

.newsletter-archive { margin: 1.5rem 0; }
.newsletter-issue {
  display: flex; align-items: center;
  justify-content: space-between; gap: 1.5rem;
  background: #fff; border: 1px solid #e0dbd0;
  border-radius: 8px; padding: 1.2rem 1.5rem;
  margin-bottom: 1rem;
  transition: border-color .3s;
}
.newsletter-issue:hover { border-color: var(--gold); }
.issue-info { flex: 1; }
.issue-num {
  font-size: .72rem; text-transform: uppercase;
  letter-spacing: 1.5px; color: var(--gold);
  font-weight: 700; margin-bottom: .25rem;
}
.issue-title {
  font-weight: 700; color: var(--navy);
  font-size: 1.05rem; margin-bottom: .3rem;
}
.issue-desc {
  font-size: .88rem; color: var(--text-light); line-height: 1.5;
}
.issue-link {
  display: inline-block; background: var(--navy); color: #fff;
  font-weight: 600; padding: .6rem 1.2rem;
  border-radius: 4px; text-decoration: none;
  font-size: .85rem; transition: background .2s, transform .2s;
  white-space: nowrap;
}
.issue-link:hover {
  background: var(--navy-light);
  transform: translateY(-1px);
}
/* ============================================================
   DISCLAIMER
   ============================================================ */
.disclaimer {
  font-size: .82rem; color: var(--text-light);
  margin-top: 1.5rem; padding: .8rem 1rem;
  background: var(--warm-gray); border-radius: 6px;
}

/* ============================================================
   CTA SECTION
   ============================================================ */
.cta-section {
  background: var(--navy); color: #fff;
  padding: 2.5rem 1.5rem; text-align: center;
}
.cta-section h2 { color: #fff; margin-bottom: .6rem; }
.cta-section p { color: rgba(255,255,255,.75); margin-bottom: 1.2rem; }

.cta-btn {
  display: inline-block; background: var(--gold);
  color: var(--navy); font-weight: 700;
  padding: .85rem 2rem; border-radius: 4px;
  text-decoration: none; font-size: .95rem;
  transition: transform .2s, box-shadow .2s;
}
.cta-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(200,168,78,.4);
}
.cta-btn.cta-secondary {
  background: transparent;
  border: 2px solid var(--gold);
  color: var(--gold); margin-left: 1rem;
}
.cta-btn.cta-secondary:hover {
  background: var(--gold); color: var(--navy);
}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: var(--navy-light);
  color: rgba(255,255,255,.65);
  text-align: center; padding: 1.5rem 1rem;
  font-size: .8rem; line-height: 1.6;
}
.site-footer p { margin-bottom: .4rem; color: rgba(255,255,255,.65); }
.site-footer a { color: var(--gold); }

/* ============================================================
   QR CODE FAB
   ============================================================ */
.qr-fab {
  position: fixed; bottom: 24px; right: 24px;
  width: 56px; height: 56px;
  background: var(--navy); border: 2px solid var(--gold);
  border-radius: 50%; cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  z-index: 1000;
  box-shadow: 0 4px 16px rgba(26,39,68,.25);
  transition: transform .2s, box-shadow .2s;
}
.qr-fab:hover {
  transform: scale(1.08);
  box-shadow: 0 6px 20px rgba(26,39,68,.35);
}
.qr-fab svg { width: 26px; height: 26px; color: var(--gold); }

.qr-popup {
  position: fixed; bottom: 96px; right: 24px;
  background: #fff; border-radius: 12px;
  padding: 20px;
  box-shadow: 0 8px 32px rgba(26,39,68,.2);
  z-index: 1001; display: none;
  text-align: center; border: 1px solid #e0dbd0;
}
.qr-popup.open { display: block; }
.qr-popup img {
  width: 200px; height: 200px;
  border-radius: 8px; border: 1px solid #e8e4da;
}
.qr-popup .qr-label {
  font-family: 'Merriweather', Georgia, serif;
  font-weight: 700; color: var(--navy);
  margin-top: 12px; font-size: 1rem;
}
.qr-popup .qr-sublabel { font-size: .72rem; color: var(--text-light); }
.qr-popup .qr-close {
  position: absolute; top: 6px; right: 10px;
  background: none; border: none;
  font-size: 1.2rem; color: var(--text-light);
  cursor: pointer; line-height: 1;
}
.qr-popup .qr-close:hover { color: var(--navy); }
/* ============================================================
   SECTION NAV — Sticky in-page navigation (home page only)
   ============================================================ */
.section-nav {
  position: fixed; top: 56px; left: 0; right: 0;
  z-index: 999;
  background: var(--cream);
  border-bottom: 1px solid #ddd8cc;
  transform: translateY(-100%);
  opacity: 0;
  transition: transform .3s ease, opacity .3s ease;
  pointer-events: none;
}
.section-nav.visible {
  transform: translateY(0);
  opacity: 1;
  pointer-events: auto;
}
.section-nav-track {
  max-width: 880px;
  margin: 0 auto;
  padding: .55rem 1.5rem;
  display: flex;
  gap: .4rem;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
}
.section-nav-track::-webkit-scrollbar { display: none; }

.section-pill {
  flex-shrink: 0;
  font-size: .78rem; font-weight: 600;
  color: var(--text-light);
  text-decoration: none;
  padding: .3rem .85rem;
  border-radius: 20px;
  border: 1px solid transparent;
  transition: color .2s, background .2s, border-color .2s;
  white-space: nowrap;
}
.section-pill:hover {
  color: var(--navy);
  background: var(--warm-gray);
}
.section-pill.active {
  color: var(--navy);
  background: var(--gold-dim);
  border-color: var(--gold);
  font-weight: 700;
}

/* ============================================================
   WATERMARK
   ============================================================ */
.watermark {
  position: fixed; top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  width: 630px; height: 690px;
  background-image: url('dfd-crest.png');
  background-size: contain;
  background-repeat: no-repeat;
  background-position: center;
  opacity: .09; pointer-events: none; z-index: 0;
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (min-width: 769px) {
  .nav-links { display: flex; }
  .hamburger { display: none; }
}

@media (max-width: 800px) {
  .hero-crest { display: none; }
}

@media (max-width: 640px) {
  .stat-row { grid-template-columns: repeat(2, 1fr); }
  .result-row { grid-template-columns: 1fr; }
  .fund-bar-label { width: 90px; font-size: .75rem; }
  .cta-btn + .cta-btn { margin-left: 0; margin-top: .8rem; display: block; }
  .cta-btn { display: block; }
  .team-card { width: 140px; }
  .featured-providers { grid-template-columns: 1fr; }
  .featured-card { flex-direction: column; align-items: center; text-align: center; }
  .featured-avatar { width: 140px; height: 175px; }
  .provider-grid { grid-template-columns: 1fr; }
  .doc-grid { grid-template-columns: 1fr; }
  .nav-brand-text { font-size: .82rem; }
  .qr-popup { right: 12px; bottom: 86px; }
  .newsletter-issue { flex-direction: column; align-items: flex-start; }
  .section-pill { font-size: .72rem; padding: .25rem .7rem; }
  .section-nav-track { padding: .45rem 1rem; gap: .3rem; }
}

@media (max-width: 420px) {
  .team-card { width: 130px; }
}