/* New Era Financial — premium brand layer */
:root{
  --ne-black:#040608;
  --ne-charcoal:#0a0f14;
  --ne-navy:#061a2d;
  --ne-navy-light:#0c3150;
  --ne-gold:#d5a642;
  --ne-gold-bright:#f0d489;
  --ne-bronze:#8c6125;
  --ne-cream:#f7f1e4;
  --ne-white:#fffdfa;
  --ne-line:rgba(213,166,66,.28);
  --ne-glow:0 24px 70px rgba(0,0,0,.34),0 0 0 1px rgba(213,166,66,.08);
}

html{background:var(--ne-black)}
body{
  background-color:var(--ne-black)!important;
  color:#152536;
  text-rendering:optimizeLegibility;
}
body:after{
  background:
    linear-gradient(115deg,rgba(2,4,7,.78),rgba(6,26,45,.55)),
    radial-gradient(circle at 78% 20%,rgba(213,166,66,.14),transparent 30%)!important;
}

/* Navigation */
.nav{
  border-top:2px solid rgba(213,166,66,.72);
  border-bottom:1px solid rgba(213,166,66,.16)!important;
  background:linear-gradient(180deg,rgba(2,5,8,.86),rgba(4,12,20,.66));
  backdrop-filter:blur(18px) saturate(125%);
}
.nav.scrolled{
  background:rgba(3,7,11,.96)!important;
  border-bottom-color:rgba(213,166,66,.28)!important;
  box-shadow:0 16px 40px rgba(0,0,0,.34)!important;
}
.mark{
  position:relative;
  border-color:rgba(240,212,137,.8)!important;
  background:radial-gradient(circle at 35% 30%,rgba(240,212,137,.22),rgba(213,166,66,.03) 55%,transparent);
  box-shadow:inset 0 0 20px rgba(213,166,66,.1),0 0 24px rgba(213,166,66,.08);
}
.brand strong{color:#fff;letter-spacing:.13em}
.brand small{color:rgba(240,212,137,.64)!important}
.links>a:not(.button){position:relative;color:rgba(255,255,255,.74)!important}
.links>a:not(.button):after{
  content:"";position:absolute;left:0;right:100%;bottom:-8px;height:1px;
  background:linear-gradient(90deg,var(--ne-gold),var(--ne-gold-bright));
  transition:right .25s ease;
}
.links>a:not(.button):hover{color:#fff!important}
.links>a:not(.button):hover:after,.links>a[aria-current="page"]:after{right:0}

/* Buttons */
.button,.work-toggle{
  border-radius:8px!important;
  letter-spacing:.045em;
  text-transform:uppercase;
}
.button.primary{
  background:linear-gradient(135deg,var(--ne-gold-bright),var(--ne-gold) 46%,var(--ne-bronze))!important;
  color:#07101a!important;
  border:1px solid rgba(255,238,181,.5)!important;
  box-shadow:0 14px 32px rgba(140,97,37,.25),inset 0 1px 0 rgba(255,255,255,.5)!important;
}
.button.primary:hover{box-shadow:0 20px 44px rgba(140,97,37,.38),0 0 0 1px rgba(240,212,137,.35)!important}
.button.dark,.work-toggle{
  background:linear-gradient(135deg,#0b304d,#040b12)!important;
  border:1px solid rgba(213,166,66,.32)!important;
  color:#fff!important;
}
.button.light{border-color:rgba(240,212,137,.45)!important;background:rgba(2,8,13,.32)!important}

/* Hero: quiet, cinematic New Era branding */
.hero{
  min-height:760px;
  background:
    linear-gradient(100deg,rgba(2,5,8,.94),rgba(5,20,33,.76) 58%,rgba(11,42,65,.34))!important;
  border-bottom:1px solid rgba(213,166,66,.24);
}
.hero:before{
  border-color:rgba(240,212,137,.26)!important;
  box-shadow:0 0 0 84px rgba(213,166,66,.045),0 0 0 168px rgba(213,166,66,.018)!important;
}
.hero h1{max-width:990px;text-shadow:0 14px 40px rgba(0,0,0,.32)}
.hero h1 em{color:var(--ne-gold-bright)!important}
.hero .lead{color:rgba(255,255,255,.72)!important}

/* Shared section language */
.section{position:relative;border-top:1px solid rgba(213,166,66,.13)!important}
.section:before{
  content:"";position:absolute;top:-1px;left:50%;width:min(180px,28vw);height:2px;
  transform:translateX(-50%);
  background:linear-gradient(90deg,transparent,var(--ne-gold),transparent);
  opacity:.76;
}
.eyebrow{color:#a97622!important;letter-spacing:.2em!important}
.hero .eyebrow,.mission .eyebrow,.era .eyebrow,.cta .eyebrow,.fit-section .eyebrow,.readiness .eyebrow{color:var(--ne-gold-bright)!important}
.display{letter-spacing:-.03em!important}

/* Light premium surfaces */
.insurance,.quoters,.carriers,.approach,.standards,#opportunity,.straight-answers,.calculator{
  background:
    linear-gradient(135deg,rgba(255,253,248,.93),rgba(242,235,221,.88))!important;
  backdrop-filter:blur(10px) saturate(110%)!important;
}
.insurancegrid,.quotegrid,.standardsgrid,.calc-shell,.work-shell{
  position:relative;
}
.track,.carrier,.toolkit-shell,.calc-shell,.work-shell,.faq-item{
  box-shadow:var(--ne-glow);
}
.track,.carrier,.system-card,.stat-card,.fit-card{
  border-color:var(--ne-line)!important;
  transition:transform .28s ease,box-shadow .28s ease,border-color .28s ease,background .28s ease!important;
}
.track:hover,.carrier:hover,.system-card:hover,.stat-card:hover,.fit-card:hover{
  transform:translateY(-5px);
  border-color:rgba(213,166,66,.62)!important;
  box-shadow:0 24px 54px rgba(0,0,0,.18),0 0 0 1px rgba(213,166,66,.1);
}
.product{border-color:rgba(7,26,44,.12)!important}
.product:hover{background:linear-gradient(90deg,rgba(213,166,66,.1),rgba(255,255,255,.32))!important}
.num,.tag,.standard b{color:#a97622!important}

/* Dark brand chapters */
.mission,.era,.work-era,.fit-section,.readiness,.cta{
  background:
    linear-gradient(125deg,rgba(2,7,11,.92),rgba(6,26,45,.85) 62%,rgba(10,42,65,.78))!important;
  color:#fff;
  backdrop-filter:blur(7px) saturate(115%)!important;
}
.mission:before,.era:after{
  content:"NEW ERA FINANCIAL";
  position:absolute;
  right:3vw;
  top:24px;
  font:400 clamp(3.5rem,9vw,9rem)/1 var(--serif);
  color:rgba(240,212,137,.035);
  white-space:nowrap;
  pointer-events:none;
}
.missionpoint,.principles,.standardlist{border-color:rgba(213,166,66,.2)!important}
.work-shell{
  border-color:rgba(213,166,66,.32)!important;
  background:linear-gradient(145deg,rgba(8,28,46,.92),rgba(3,10,17,.9))!important;
  color:#fff;
}
.work-intro-copy>p,.why-heading p,.system-card p,.work-disclosure{color:rgba(255,255,255,.62)!important}
.system-card{background:rgba(255,255,255,.05)!important}
.system-card h4{color:#fff}
.system-icon{background:rgba(213,166,66,.15)!important;color:var(--ne-gold-bright)!important;border:1px solid rgba(213,166,66,.24)}

/* Statistics and calculator */
.stat-card{
  background:linear-gradient(145deg,rgba(255,255,255,.075),rgba(255,255,255,.035))!important;
  border:1px solid rgba(213,166,66,.26)!important;
}
.stat-card strong,.stat-number{color:var(--ne-gold-bright)!important}
.progress-fill{background:linear-gradient(90deg,var(--ne-bronze),var(--ne-gold-bright))!important}
.calc-results{background:linear-gradient(145deg,#0a2a45,#02080d)!important}
.calc-input{border-color:rgba(7,26,44,.18)!important}
.calc-input:focus-within{border-color:var(--ne-gold)!important;box-shadow:0 0 0 4px rgba(213,166,66,.13)!important}

/* About and photography */
.mainphoto,.smallphoto,.angelportrait,.teamfeature img{
  filter:saturate(.88) contrast(1.04);
}
.mainphoto,.smallphoto,.teamfeature,.angel{
  border-color:rgba(213,166,66,.3)!important;
  box-shadow:var(--ne-glow)!important;
}
.caption,.angelid{
  background:linear-gradient(transparent,rgba(2,6,10,.96))!important;
}

/* FAQ and footer */
.faq-item{box-shadow:none;border-color:rgba(7,26,44,.14)!important}
.faq-item[open]{background:rgba(255,255,255,.54)}
.faq-item summary:after{border-color:rgba(140,97,37,.45)!important}
.footer{
  border-top:1px solid rgba(213,166,66,.22);
  background:linear-gradient(180deg,rgba(3,9,15,.96),#020406)!important;
}
.footer strong{color:var(--ne-gold-bright)!important}
.footerlinks a:hover{color:var(--ne-gold-bright)}

/* Responsive parity */
@media(max-width:900px){
  .hero{min-height:700px}
  .hero .wrap:after{right:-3vw;bottom:42px;font-size:20vw}
  .section{padding-block:72px!important}
}
@media(max-width:620px){
  .hero{min-height:650px}
  .hero .wrap:after{font-size:24vw;bottom:34px}
  .section{padding-block:58px!important}
  .button{min-height:52px}
  .track:hover,.carrier:hover,.system-card:hover,.stat-card:hover,.fit-card:hover{transform:none}
  .mobile-menu{border-color:rgba(213,166,66,.28)!important;background:rgba(2,7,11,.98)!important}
}
@media(prefers-reduced-motion:reduce){
  *{scroll-behavior:auto!important;transition-duration:.01ms!important;animation-duration:.01ms!important}
}

/* Contrast normalization for pages that previously forced every section dark */
.insurance,.quoters,.carriers,.approach,.standards,#opportunity,.straight-answers,.calculator{color:var(--ink)!important}
.insurance h2,.quoters h2,.carriers h2,.approach h2,.standards h2,#opportunity h2,.straight-answers h2,.calculator h2,
.insurance h3,.quoters h3,.carriers h3,.approach h3,.standards h3,#opportunity h3,.straight-answers h3,.calculator h3{color:var(--ink)!important}
.insurance p,.quoters p,.carriers p,.approach p,.standards p,#opportunity p,.straight-answers p,.calculator p{color:var(--muted)!important}
.insurance .eyebrow,.quoters .eyebrow,.carriers .eyebrow,.approach .eyebrow,.standards .eyebrow,#opportunity .eyebrow,.straight-answers .eyebrow,.calculator .eyebrow{color:#9a6a1e!important}
.insurance .pbtn{color:var(--ink)!important}
.insurance .plus{color:#9a6a1e!important;border-color:rgba(140,97,37,.38)!important}
.carrier,.approach .step,.track{background:rgba(255,255,255,.66)!important;color:var(--ink)!important}
.carrier strong,.approach .step h3,.track h3{color:var(--ink)!important}
.carrier span,.approach .step p,.track p{color:var(--muted)!important}
.toolkit-shell{background:rgba(255,255,255,.76)!important;border-color:rgba(140,97,37,.24)!important}
.calculator .calc-shell{background:rgba(255,255,255,.8)!important;border-color:rgba(140,97,37,.22)!important}
.calculator label{color:var(--ink)!important}
.calculator .calc-results p,.calculator .calc-results span,.calculator .calc-results li{color:rgba(255,255,255,.68)!important}
.calculator .calc-results strong{color:#fff!important}
.toolkit-tab:not(.active){
  color:var(--ink)!important;
  background:rgba(255,253,248,.96)!important;
  border-color:rgba(7,26,44,.22)!important;
}
.toolkit-tab.active{
  color:#fff!important;
  background:var(--ne-navy)!important;
}
.carrier-disclaimer{
  margin:10px 0 0;
  color:var(--muted)!important;
  font-size:.72rem;
  line-height:1.5;
}
.cta .actions>.button{
  color:#07101a!important;
  background:linear-gradient(135deg,var(--ne-gold-bright),var(--ne-gold) 46%,var(--ne-bronze))!important;
  border:1px solid rgba(255,238,181,.5)!important;
  box-shadow:0 14px 32px rgba(140,97,37,.25),inset 0 1px 0 rgba(255,255,255,.5)!important;
}
.cta .actions>.button:hover{
  box-shadow:0 20px 44px rgba(140,97,37,.38),0 0 0 1px rgba(240,212,137,.35)!important;
}
.carriers.section{padding:52px 0!important}
.carriers .carrierhead{margin-bottom:18px}
.carriers .carrierhead h2{margin-bottom:0}
.carriers .carrier-track{padding-bottom:12px}
.carriers .carrier{min-height:112px;padding:18px 20px}
@media(max-width:620px){
  .carriers.section{padding:40px 0!important}
  .carriers .carrierhead{margin-bottom:16px}
  .carriers .carrier{min-height:104px;padding:16px}
}
.approach .steps{gap:12px;border:0}
.approach .steps .step{
  padding:18px 20px 20px;
  border:1px solid rgba(10,39,61,.12);
  border-radius:8px;
}
.approach .steps .step:before{margin-bottom:12px}
.approach .steps .step h3{margin-bottom:6px}