/* ═══════════════════════════════════════════════════════════════
   MogulBay – Business Owners Solution Page (Redesigned)
   Premium visuals, animated gradients, glassmorphism, depth
   ═══════════════════════════════════════════════════════════════ */

:root {
  --bo-ink: #030712;
  --bo-navy: #0c2548;
  --bo-deep: #09162e;
  --bo-blue: #2563eb;
  --bo-blue-light: #60a5fa;
  --bo-sky: #38bdf8;
  --bo-mint: #10b981;
  --bo-amber: #f59e0b;
  --bo-purple: #8b5cf6;
  --bo-purple-light: #c084fc;
  --bo-rose: #f43f5e;
}

/* ── Global Page Background ──────────────────────────────────── */
.page-bg { position: fixed; inset: 0; z-index: -2; pointer-events: none; background: #fafafa; }
.page-bg .orb, .page-bg .grid-overlay { display: none; }

/* Header Nav Overrides */
body:has(.bo-hero) .mb-header:not(.is-compact) .mb-links a { color: #d4d4d8; }
body:has(.bo-hero) .mb-header:not(.is-compact) .mb-links a:hover,
body:has(.bo-hero) .mb-header:not(.is-compact) .mb-links a.active { color: #fff; }
body:has(.bo-hero) .mb-header:not(.is-compact) .mb-burger { border-color: rgba(255, 255, 255, .28); color: #fff; }

/* ── Hero Section (Full-Bleed Dark Mesh Gradient) ────────────── */
.bo-hero {
  position: relative;
  display: flex;
  overflow: hidden;
  margin: 0 0 2.5rem;
  padding: clamp(5.5rem, 9vw, 7rem) clamp(1rem, 3vw, 2.5rem) clamp(3.5rem, 6vw, 5.5rem);
  align-items: center;
  justify-content: center;
  background: 
    radial-gradient(ellipse 60% 50% at 85% 20%, rgba(37, 99, 235, 0.35), transparent 60%),
    radial-gradient(ellipse 50% 45% at 15% 85%, rgba(139, 92, 246, 0.25), transparent 55%),
    radial-gradient(ellipse 40% 35% at 50% 50%, rgba(56, 189, 248, 0.15), transparent 50%),
    linear-gradient(135deg, #030712 0%, #0c2548 45%, #09162e 75%, #030712 100%);
  color: #fff;
}

.bo-hero__grid {
  position: absolute;
  inset: 0;
  opacity: 0.35;
  pointer-events: none;
  background: 
    linear-gradient(rgba(255, 255, 255, 0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.03) 1px, transparent 1px);
  background-size: 52px 52px;
  mask-image: radial-gradient(circle at center, #000 40%, transparent 90%);
}

.bo-hero__inner {
  position: relative;
  z-index: 1;
  width: 100%;
  max-width: 1240px;
  margin-inline: auto;
}

.bo-hero h1 {
  margin: 0;
  color: #f8fafc;
  font-family: Manrope, system-ui, sans-serif;
  font-size: clamp(2.2rem, 4.2vw, 3.4rem);
  font-weight: 800;
  letter-spacing: -.03em;
  line-height: 1.12;
  text-wrap: balance;
}

.bo-hero h1 .title-row { display: block; }
.bo-hero h1 .title-row + .title-row { margin-top: .25rem; }
.bo-hero h1 em {
  background: linear-gradient(135deg, #60a5fa 0%, #c084fc 50%, #38bdf8 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  font-style: normal;
}

.bo-hero .hero-intro {
  color: #cbd5e1;
  font-family: Poppins, system-ui, sans-serif;
  font-size: clamp(.95rem, 1.8vw, 1.05rem);
  font-weight: 400;
  line-height: 1.7;
}

/* Badge Pill */
.bo-badge {
  display: inline-flex;
  align-items: center;
  gap: .55rem;
  padding: .45rem 1.1rem;
  border-radius: 9999px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(192, 132, 252, 0.35);
  backdrop-filter: blur(12px);
  font-family: Manrope, system-ui, sans-serif;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: #c084fc;
}
.bo-badge__dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #10b981;
  box-shadow: 0 0 12px #10b981;
  animation: pulseDot 2s infinite;
}
@keyframes pulseDot { 0%, 100% { transform: scale(1); opacity: 1; } 50% { transform: scale(1.4); opacity: 0.6; } }

/* Hero Interactive Mockup Card */
.bo-hero-mockup {
  background: rgba(15, 23, 42, 0.82);
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 1.35rem;
  padding: 1.4rem;
  backdrop-filter: blur(20px);
  box-shadow: 0 25px 60px rgba(0, 0, 0, 0.6), inset 0 1px 1px rgba(255, 255, 255, 0.25);
  position: relative;
  overflow: hidden;
}
.bo-hero-mockup::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, #8b5cf6, #2563eb, #38bdf8, #10b981);
}

.bo-mockup-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-bottom: .85rem;
  margin-bottom: 1rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.bo-mockup-bar-fill {
  height: 100%;
  border-radius: 9999px;
  transition: width 1.2s ease-in-out;
}

/* ── Section Containers & Panels ─────────────────────────────── */
.bo-section { margin-bottom: 1.25rem; }

.bo-kicker {
  margin: 0 0 .5rem;
  font-family: Manrope, system-ui, sans-serif;
  font-size: .73rem;
  font-weight: 800;
  letter-spacing: .15em;
  text-transform: uppercase;
  color: var(--bo-blue);
}

/* ── Light Glass Panel – Redesigned ──────────────────────────── */
.bo-panel {
  position: relative;
  background: linear-gradient(165deg, rgba(255, 255, 255, 0.98) 0%, rgba(240, 246, 255, 0.94) 100%);
  border: 1px solid rgba(147, 197, 253, 0.35);
  border-radius: 1.6rem;
  overflow: hidden;
  box-shadow: 
    0 1px 3px rgba(12, 37, 72, 0.04),
    0 10px 30px rgba(12, 37, 72, 0.04);
  transition: transform .4s cubic-bezier(0.16, 1, 0.3, 1), box-shadow .4s ease, border-color .4s ease;
}
.bo-panel::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, #030712, #2563eb, #8b5cf6, #38bdf8);
}
.bo-panel::after {
  content: "";
  position: absolute;
  top: -150px; right: -150px;
  width: 350px; height: 350px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(37, 99, 235, 0.04), transparent 70%);
  pointer-events: none;
}
.bo-panel:hover {
  transform: translateY(-4px);
  border-color: rgba(37, 99, 235, 0.45);
  box-shadow: 
    0 20px 50px rgba(12, 37, 72, 0.08),
    0 0 0 1px rgba(37, 99, 235, 0.1);
}

/* ── Dark Mesh Panel ──────────────────────────────────────────── */
.bo-panel-dark {
  position: relative;
  background: 
    radial-gradient(ellipse 80% 60% at 100% 0%, rgba(37, 99, 235, 0.3), transparent 55%),
    radial-gradient(ellipse 60% 50% at 0% 100%, rgba(139, 92, 246, 0.25), transparent 55%),
    linear-gradient(155deg, #030712 0%, #0c2548 55%, #09162e 100%);
  border: 1px solid rgba(96, 165, 250, 0.28);
  border-radius: 1.6rem;
  color: #fff;
  overflow: hidden;
  box-shadow: 0 15px 40px rgba(3, 7, 18, 0.3);
}
.bo-panel-dark::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, #10b981, #38bdf8, #8b5cf6, #60a5fa);
}

/* ── CTA Buttons ─────────────────────────────────────────────── */
.bo-cta {
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .55rem;
  border-radius: 9999px;
  font-family: Manrope, system-ui, sans-serif;
  font-weight: 700;
  letter-spacing: -.01em;
  overflow: hidden;
  transition: all .25s ease;
  text-decoration: none;
  cursor: pointer;
}
.bo-cta::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(110deg, transparent 20%, rgba(255, 255, 255, 0.35) 50%, transparent 80%);
  transform: translateX(-120%);
  transition: transform .6s ease;
}
.bo-cta:hover::after { transform: translateX(120%); }
.bo-cta:hover { transform: translateY(-2px); filter: brightness(1.06); }
.bo-cta:active { transform: scale(0.98); }

.bo-cta-primary {
  background: linear-gradient(135deg, #030712 0%, #0c2548 50%, #2563eb 100%);
  color: #fff;
  padding: .8rem 1.6rem;
  font-size: .92rem;
  box-shadow: 0 10px 25px rgba(37, 99, 235, 0.25);
}

.bo-cta-glow {
  background: linear-gradient(135deg, #ffffff 0%, #e0e7ff 50%, #dbeafe 100%);
  color: #0c2548;
  padding: .85rem 1.75rem;
  font-size: .95rem;
  box-shadow: 0 0 25px rgba(96, 165, 250, 0.3);
}

.bo-cta-secondary {
  border: 1px solid rgba(255, 255, 255, 0.3);
  background: rgba(255, 255, 255, 0.08);
  color: #f8fafc;
  padding: .8rem 1.5rem;
  font-size: .9rem;
  backdrop-filter: blur(8px);
}
.bo-cta-secondary:hover { background: rgba(255, 255, 255, 0.16); border-color: rgba(255, 255, 255, 0.6); }

/* ═══════════════════════════════════════════════════════════════
   SECTION 2 – Question Cards (Redesigned)
   ═══════════════════════════════════════════════════════════════ */
.bo-q-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1rem;
}
@media(min-width: 640px) { .bo-q-grid { grid-template-columns: 1fr 1fr; } }
@media(min-width: 1024px) { .bo-q-grid { grid-template-columns: repeat(4, 1fr); } }

.bo-q-card {
  position: relative;
  display: flex;
  flex-direction: column;
  padding: 1.5rem;
  border-radius: 1.3rem;
  background: linear-gradient(160deg, #ffffff 0%, #f0f4ff 100%);
  border: 1px solid rgba(147, 197, 253, 0.25);
  transition: all .35s cubic-bezier(0.16, 1, 0.3, 1);
  box-shadow: 0 4px 20px rgba(37, 99, 235, 0.04);
  overflow: hidden;
}
.bo-q-card::before {
  content: "";
  position: absolute;
  top: 0; left: 0;
  width: 100%; height: 100%;
  background: linear-gradient(135deg, rgba(37, 99, 235, 0.06), rgba(139, 92, 246, 0.06));
  opacity: 0;
  transition: opacity .35s ease;
}
.bo-q-card:hover::before { opacity: 1; }
.bo-q-card:hover {
  transform: translateY(-6px);
  border-color: rgba(37, 99, 235, 0.4);
  box-shadow: 
    0 16px 40px rgba(37, 99, 235, 0.1),
    0 0 0 1px rgba(37, 99, 235, 0.08);
}
.bo-q-card__badge {
  position: relative;
  width: 2.6rem;
  height: 2.6rem;
  border-radius: .85rem;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: Manrope, system-ui, sans-serif;
  font-size: .85rem;
  font-weight: 800;
  color: #fff;
  background: linear-gradient(135deg, #8b5cf6, #2563eb);
  box-shadow: 0 6px 16px rgba(37, 99, 235, 0.28);
  margin-bottom: .9rem;
}
.bo-q-card__text {
  position: relative;
  font-family: Manrope, system-ui, sans-serif;
  font-size: .9rem;
  font-weight: 700;
  color: #1e293b;
  line-height: 1.5;
}

/* ═══════════════════════════════════════════════════════════════
   SECTION 3 – Split Comparison (Redesigned)
   ═══════════════════════════════════════════════════════════════ */
.bo-split-compare {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.25rem;
}
@media(min-width: 768px) { .bo-split-compare { grid-template-columns: 1fr 1fr; } }

.bo-compare-box {
  padding: 1.6rem;
  border-radius: 1.4rem;
  border: 1.5px solid rgba(12, 37, 72, 0.08);
  box-shadow: 0 6px 24px rgba(0,0,0,0.03);
  position: relative;
  overflow: hidden;
}
.bo-compare-box::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
}
.bo-compare-box--ops {
  background: linear-gradient(160deg, #ffffff 0%, #fff7ed 50%, #fffbeb 100%);
  border-color: rgba(249, 115, 22, 0.2);
}
.bo-compare-box--ops::before {
  background: linear-gradient(90deg, #f97316, #fb923c, #fbbf24);
}
.bo-compare-box--wealth {
  background: linear-gradient(160deg, #ffffff 0%, #eff6ff 50%, #e0e7ff 100%);
  border-color: rgba(37, 99, 235, 0.2);
}
.bo-compare-box--wealth::before {
  background: linear-gradient(90deg, #2563eb, #60a5fa, #38bdf8);
}

.bo-compare-box h4 {
  font-family: Manrope, system-ui, sans-serif;
  font-size: 1.1rem;
  font-weight: 800;
  margin-bottom: 1rem;
  display: flex;
  align-items: center;
  gap: .6rem;
}
.bo-compare-box--ops h4 { color: #c2410c; }
.bo-compare-box--wealth h4 { color: #1d4ed8; }

.bo-compare-list {
  list-style: none;
  padding: 0; margin: 0;
  display: grid;
  gap: .55rem;
}
.bo-compare-list li {
  padding: .7rem .9rem;
  border-radius: .8rem;
  background: rgba(255, 255, 255, 0.9);
  font-family: Poppins, system-ui, sans-serif;
  font-size: .86rem;
  color: #334155;
  border: 1px solid rgba(0,0,0,0.04);
  transition: transform .2s ease, box-shadow .2s ease;
}
.bo-compare-list li:hover {
  transform: translateX(4px);
  box-shadow: 0 2px 10px rgba(0,0,0,0.04);
}

/* ═══════════════════════════════════════════════════════════════
   SECTION 4 – Asset / Liability Buckets (Redesigned)
   ═══════════════════════════════════════════════════════════════ */
.bo-bucket {
  padding: 1.6rem;
  border-radius: 1.4rem;
  background: linear-gradient(165deg, #ffffff 0%, #f8fafc 100%);
  border: 1px solid rgba(12, 37, 72, 0.08);
  box-shadow: 0 8px 28px rgba(0, 0, 0, 0.04);
  transition: transform .35s cubic-bezier(0.16, 1, 0.3, 1), box-shadow .35s ease;
  position: relative;
  overflow: hidden;
}
.bo-bucket::after {
  content: "";
  position: absolute;
  bottom: -60px; right: -60px;
  width: 160px; height: 160px;
  border-radius: 50%;
  opacity: 0.06;
  pointer-events: none;
}
.bo-bucket:nth-child(1)::after { background: var(--bo-blue); }
.bo-bucket:nth-child(2)::after { background: var(--bo-purple); }
.bo-bucket:nth-child(3)::after { background: var(--bo-amber); }
.bo-bucket:hover { 
  transform: translateY(-5px); 
  box-shadow: 0 16px 40px rgba(0, 0, 0, 0.06);
}
.bo-bucket h4 {
  margin: 0 0 1rem;
  font-family: Manrope, system-ui, sans-serif;
  font-size: 1.05rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  gap: .6rem;
}
.bo-bucket ul { list-style: none; padding: 0; margin: 0; display: grid; gap: .5rem; }
.bo-bucket li {
  position: relative;
  padding: .55rem .8rem .55rem 1.8rem;
  border-radius: .75rem;
  background: rgba(255, 255, 255, 0.9);
  border: 1px solid rgba(37, 99, 235, 0.06);
  font-family: Poppins, system-ui, sans-serif;
  font-size: .85rem;
  color: #334155;
  line-height: 1.5;
  transition: background .2s ease, border-color .2s ease;
}
.bo-bucket li:hover {
  background: rgba(255, 255, 255, 1);
  border-color: rgba(37, 99, 235, 0.12);
}
.bo-bucket li::before {
  content: "";
  position: absolute;
  left: .7rem;
  top: .9rem;
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--bo-blue), var(--bo-sky));
  box-shadow: 0 0 8px rgba(37, 99, 235, 0.3);
}

/* ═══════════════════════════════════════════════════════════════
   SECTION 6 – Wealth Concentration Cards (Redesigned)
   ═══════════════════════════════════════════════════════════════ */
.bo-concentration-grid .p-4 {
  border-radius: 1.2rem !important;
  transition: all .3s cubic-bezier(0.16, 1, 0.3, 1);
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.03);
}
.bo-concentration-grid .p-4:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 30px rgba(0, 0, 0, 0.06);
}

/* ═══════════════════════════════════════════════════════════════
   SECTION 7 – Forecast Projection Card (Redesigned)
   ═══════════════════════════════════════════════════════════════ */
.bo-forecast-card {
  border-radius: 1.6rem;
  overflow: hidden;
  position: relative;
}
.bo-forecast-card::before {
  content: "";
  position: absolute;
  top: -2px; left: -2px; right: -2px; bottom: -2px;
  border-radius: inherit;
  background: linear-gradient(135deg, rgba(139, 92, 246, 0.3), rgba(37, 99, 235, 0.3), rgba(56, 189, 248, 0.2));
  z-index: -1;
  opacity: 0;
  transition: opacity .4s ease;
}
.bo-forecast-card:hover::before { opacity: 1; }

.bo-forecast-card .grid > div {
  transition: all .25s ease;
  backdrop-filter: blur(4px);
}
.bo-forecast-card .grid > div:hover {
  background: rgba(255, 255, 255, 0.12);
  border-color: rgba(96, 165, 250, 0.5) !important;
  transform: translateY(-2px);
}

/* ═══════════════════════════════════════════════════════════════
   SECTION 8 – What-If Scenario Cards (Redesigned)
   ═══════════════════════════════════════════════════════════════ */
.bo-whatif-grid { display: grid; grid-template-columns: 1fr; gap: 1rem; }
@media(min-width: 640px) { .bo-whatif-grid { grid-template-columns: 1fr 1fr; } }
@media(min-width: 1024px) { .bo-whatif-grid { grid-template-columns: repeat(3, 1fr); } }

.bo-whatif {
  display: flex;
  flex-direction: column;
  padding: 1.5rem;
  border-radius: 1.4rem;
  background: linear-gradient(160deg, #ffffff 0%, #fafbff 50%, #f5f0ff 100%);
  border: 1px solid rgba(139, 92, 246, 0.15);
  transition: all .35s cubic-bezier(0.16, 1, 0.3, 1);
  position: relative;
  overflow: hidden;
}
.bo-whatif::before {
  content: "";
  position: absolute;
  top: 0; left: 0;
  width: 4px; height: 100%;
  background: linear-gradient(180deg, #8b5cf6, #2563eb, #38bdf8);
  opacity: 0;
  transition: opacity .35s ease;
}
.bo-whatif::after {
  content: "";
  position: absolute;
  top: -50px; right: -50px;
  width: 120px; height: 120px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(139, 92, 246, 0.08), transparent 70%);
  pointer-events: none;
  opacity: 0;
  transition: opacity .35s ease;
}
.bo-whatif:hover::before { opacity: 1; }
.bo-whatif:hover::after { opacity: 1; }
.bo-whatif:hover {
  transform: translateY(-5px);
  border-color: rgba(139, 92, 246, 0.35);
  box-shadow: 0 18px 40px rgba(139, 92, 246, 0.1);
}
.bo-whatif__head {
  display: flex;
  align-items: center;
  gap: .9rem;
  margin-bottom: .85rem;
}
.bo-whatif__icon {
  flex-shrink: 0;
  width: 3rem;
  height: 3rem;
  border-radius: .95rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(145deg, #ede9fe, #ddd6fe);
  color: var(--bo-purple);
  font-size: 1.35rem;
  box-shadow: 0 6px 16px rgba(139, 92, 246, 0.2);
  transition: transform .3s ease, box-shadow .3s ease;
}
.bo-whatif:hover .bo-whatif__icon {
  transform: scale(1.08);
  box-shadow: 0 8px 20px rgba(139, 92, 246, 0.3);
}
.bo-whatif__title {
  font-family: Manrope, system-ui, sans-serif;
  font-size: .98rem;
  font-weight: 800;
  color: var(--bo-ink);
}
.bo-whatif__text {
  font-family: Poppins, system-ui, sans-serif;
  font-size: .85rem;
  color: #475569;
  line-height: 1.6;
  position: relative;
}

/* ═══════════════════════════════════════════════════════════════
   SECTION 9 – Scenario Comparison Cards (Redesigned)
   ═══════════════════════════════════════════════════════════════ */
.bo-scenario-compare {
  border-radius: 1.4rem;
  padding: 1.6rem;
  transition: transform .3s ease, box-shadow .3s ease;
  position: relative;
  overflow: hidden;
}
.bo-scenario-compare::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
}
.bo-scenario-compare:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 40px rgba(0, 0, 0, 0.06);
}

.bo-scenario-compare--blue {
  background: linear-gradient(160deg, #eff6ff 0%, #dbeafe 40%, #e0e7ff 100%);
  border: 1px solid rgba(37, 99, 235, 0.2);
}
.bo-scenario-compare--blue::before {
  background: linear-gradient(90deg, #2563eb, #60a5fa);
}

.bo-scenario-compare--green {
  background: linear-gradient(160deg, #ecfdf5 0%, #d1fae5 40%, #ccfbf1 100%);
  border: 1px solid rgba(16, 185, 129, 0.2);
}
.bo-scenario-compare--green::before {
  background: linear-gradient(90deg, #10b981, #34d399);
}

.bo-scenario-row {
  padding: .75rem 1rem;
  border-radius: 1rem;
  background: rgba(255, 255, 255, 0.9);
  border: 1px solid rgba(0, 0, 0, 0.04);
  transition: transform .2s ease, box-shadow .2s ease;
  backdrop-filter: blur(4px);
}
.bo-scenario-row:hover {
  transform: translateX(3px);
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.04);
}

.bo-scenario-badge {
  font-family: Manrope, system-ui, sans-serif;
  font-size: .65rem;
  font-weight: 800;
  padding: .3rem .65rem;
  border-radius: .5rem;
  text-transform: uppercase;
  letter-spacing: .05em;
}

/* ═══════════════════════════════════════════════════════════════
   SECTION 11 – Retirement Grid (Redesigned)
   ═══════════════════════════════════════════════════════════════ */
.bo-retirement-grid .p-3\.5 {
  border-radius: 1rem;
  transition: all .3s cubic-bezier(0.16, 1, 0.3, 1);
  box-shadow: 0 3px 12px rgba(0, 0, 0, 0.03);
  position: relative;
  overflow: hidden;
}
.bo-retirement-grid .p-3\.5::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background: linear-gradient(135deg, rgba(37, 99, 235, 0.05), rgba(139, 92, 246, 0.05));
  opacity: 0;
  transition: opacity .3s ease;
}
.bo-retirement-grid .p-3\.5:hover {
  transform: translateY(-3px);
  border-color: rgba(37, 99, 235, 0.3);
  box-shadow: 0 10px 24px rgba(37, 99, 235, 0.08);
}
.bo-retirement-grid .p-3\.5:hover::before { opacity: 1; }

/* ═══════════════════════════════════════════════════════════════
   SECTION 12 – Exit Question Cards (Redesigned)
   ═══════════════════════════════════════════════════════════════ */
.bo-exit-card {
  border-radius: 1.4rem;
  padding: 1.8rem;
  transition: all .35s cubic-bezier(0.16, 1, 0.3, 1);
  position: relative;
  overflow: hidden;
}
.bo-exit-card::before {
  content: "";
  position: absolute;
  top: -80px; right: -80px;
  width: 180px; height: 180px;
  border-radius: 50%;
  pointer-events: none;
  opacity: 0;
  transition: opacity .35s ease;
}
.bo-exit-card:hover {
  transform: translateY(-4px);
}
.bo-exit-card:hover::before { opacity: 1; }

.bo-exit-card--a {
  background: linear-gradient(160deg, #ffffff 0%, #f8fafc 100%);
  border: 1.5px solid rgba(37, 99, 235, 0.2);
}
.bo-exit-card--a::before {
  background: radial-gradient(circle, rgba(37, 99, 235, 0.06), transparent 70%);
}
.bo-exit-card--a:hover {
  border-color: rgba(37, 99, 235, 0.4);
  box-shadow: 0 16px 40px rgba(37, 99, 235, 0.08);
}

.bo-exit-card--b {
  background: linear-gradient(160deg, #eff6ff 0%, #e0e7ff 50%, #ede9fe 100%);
  border: 1.5px solid rgba(139, 92, 246, 0.25);
}
.bo-exit-card--b::before {
  background: radial-gradient(circle, rgba(139, 92, 246, 0.08), transparent 70%);
}
.bo-exit-card--b:hover {
  border-color: rgba(139, 92, 246, 0.45);
  box-shadow: 0 16px 40px rgba(139, 92, 246, 0.1);
}

.bo-exit-vs {
  width: 3.2rem;
  height: 3.2rem;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: Manrope, system-ui, sans-serif;
  font-size: .75rem;
  font-weight: 800;
  color: #fff;
  background: linear-gradient(135deg, #2563eb, #8b5cf6);
  box-shadow: 0 8px 24px rgba(37, 99, 235, 0.3);
  position: relative;
}
.bo-exit-vs::before {
  content: "";
  position: absolute;
  inset: -3px;
  border-radius: 50%;
  background: linear-gradient(135deg, #2563eb, #8b5cf6);
  opacity: 0.2;
  z-index: -1;
}

/* ═══════════════════════════════════════════════════════════════
   SECTION 13 – AI Chat Questions (Redesigned)
   ═══════════════════════════════════════════════════════════════ */
.bo-ai-chat-box {
  background: linear-gradient(155deg, #030712 0%, #0c2548 60%, #09162e 100%);
  border: 1px solid rgba(167, 139, 250, 0.3);
  border-radius: 1.6rem;
  padding: 1.6rem;
  color: #fff;
  box-shadow: 0 20px 50px rgba(3, 7, 18, 0.4);
  position: relative;
  overflow: hidden;
}
.bo-ai-chat-box::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background: 
    radial-gradient(circle at 20% 30%, rgba(139, 92, 246, 0.12), transparent 50%),
    radial-gradient(circle at 80% 70%, rgba(37, 99, 235, 0.1), transparent 50%);
  pointer-events: none;
}

.bo-ai-questions { display: grid; grid-template-columns: 1fr 1fr; gap: .85rem; position: relative; z-index: 1; }
@media(max-width: 640px) { .bo-ai-questions { grid-template-columns: 1fr; } }

.bo-ai-q {
  display: flex;
  gap: .9rem;
  align-items: flex-start;
  padding: 1.1rem 1.25rem;
  border-radius: 1.1rem;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(12px);
  font-family: Poppins, system-ui, sans-serif;
  font-size: .86rem;
  color: #e2e8f0;
  line-height: 1.55;
  transition: all .3s cubic-bezier(0.16, 1, 0.3, 1);
}
.bo-ai-q:hover {
  transform: translateY(-3px);
  background: rgba(255, 255, 255, 0.1);
  border-color: rgba(167, 139, 250, 0.5);
  box-shadow: 0 8px 24px rgba(139, 92, 246, 0.15);
}
.bo-ai-q__num {
  flex-shrink: 0;
  width: 2rem;
  height: 2rem;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: Manrope, system-ui, sans-serif;
  font-size: .75rem;
  font-weight: 800;
  color: #fff;
  background: linear-gradient(145deg, #8b5cf6, #2563eb);
  box-shadow: 0 4px 12px rgba(139, 92, 246, 0.3);
}

/* ═══════════════════════════════════════════════════════════════
   SECTION 14 – Stepper Timeline (Redesigned)
   ═══════════════════════════════════════════════════════════════ */
.bo-path { display: grid; grid-template-columns: 1fr; gap: 1rem; }
@media(min-width: 640px) { .bo-path { grid-template-columns: 1fr 1fr; } }
@media(min-width: 1024px) { .bo-path { grid-template-columns: repeat(4, 1fr); } }

.bo-path-step {
  position: relative;
  display: flex;
  flex-direction: column;
  padding: 1.4rem;
  border-radius: 1.3rem;
  background: linear-gradient(160deg, #ffffff 0%, #f8fafc 50%, #f0f4ff 100%);
  border: 1px solid rgba(12, 37, 72, 0.08);
  transition: all .35s cubic-bezier(0.16, 1, 0.3, 1);
  overflow: hidden;
}
.bo-path-step::before {
  content: "";
  position: absolute;
  top: 0; left: 0;
  width: 100%; height: 100%;
  background: linear-gradient(135deg, rgba(37, 99, 235, 0.04), rgba(139, 92, 246, 0.04));
  opacity: 0;
  transition: opacity .35s ease;
}
.bo-path-step:hover::before { opacity: 1; }
.bo-path-step:hover {
  transform: translateY(-5px);
  border-color: rgba(37, 99, 235, 0.35);
  box-shadow: 0 14px 32px rgba(37, 99, 235, 0.08);
}
.bo-path-step__num {
  position: relative;
  width: 2.6rem;
  height: 2.6rem;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: Manrope, system-ui, sans-serif;
  font-size: .9rem;
  font-weight: 800;
  color: #fff;
  background: linear-gradient(135deg, #8b5cf6, #2563eb);
  box-shadow: 0 6px 18px rgba(37, 99, 235, 0.28);
  margin-bottom: .85rem;
  transition: transform .3s ease, box-shadow .3s ease;
}
.bo-path-step:hover .bo-path-step__num {
  transform: scale(1.08);
  box-shadow: 0 8px 24px rgba(37, 99, 235, 0.35);
}
.bo-path-step__text h4 {
  position: relative;
  margin: 0 0 .4rem;
  font-family: Manrope, system-ui, sans-serif;
  font-size: .95rem;
  font-weight: 800;
  color: var(--bo-ink);
}
.bo-path-step__text p {
  position: relative;
  margin: 0;
  font-family: Poppins, system-ui, sans-serif;
  font-size: .84rem;
  color: #475569;
  line-height: 1.55;
}

/* ═══════════════════════════════════════════════════════════════
   SECTION 15 – Scope / Can vs Cannot Cards (Redesigned)
   ═══════════════════════════════════════════════════════════════ */
.bo-can-grid { display: grid; grid-template-columns: 1fr; gap: 1.25rem; }
@media(min-width: 640px) { .bo-can-grid { grid-template-columns: 1fr 1fr; } }

.bo-can-card {
  padding: 1.6rem 1.7rem;
  border-radius: 1.4rem;
  border: 1.5px solid rgba(12, 37, 72, 0.08);
  box-shadow: 0 6px 24px rgba(0, 0, 0, 0.03);
  position: relative;
  overflow: hidden;
  transition: transform .35s ease, box-shadow .35s ease;
}
.bo-can-card::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
}
.bo-can-card:hover {
  transform: translateY(-4px);
}
.bo-can-card--yes {
  background: linear-gradient(160deg, rgba(240, 253, 244, 0.98) 0%, rgba(220, 252, 231, 0.9) 50%, rgba(209, 250, 229, 0.85) 100%);
  border-color: rgba(16, 185, 129, 0.3);
}
.bo-can-card--yes::before {
  background: linear-gradient(90deg, #10b981, #34d399, #6ee7b7);
}
.bo-can-card--yes:hover {
  box-shadow: 0 16px 40px rgba(16, 185, 129, 0.1);
}

.bo-can-card--no {
  background: linear-gradient(160deg, rgba(255, 241, 242, 0.98) 0%, rgba(254, 226, 226, 0.9) 50%, rgba(252, 165, 165, 0.85) 100%);
  border-color: rgba(239, 68, 68, 0.25);
}
.bo-can-card--no::before {
  background: linear-gradient(90deg, #ef4444, #f87171, #fca5a5);
}
.bo-can-card--no:hover {
  box-shadow: 0 16px 40px rgba(239, 68, 68, 0.1);
}

.bo-can-card h4 {
  margin: 0 0 1rem;
  font-family: Manrope, system-ui, sans-serif;
  font-size: 1.05rem;
  font-weight: 800;
  position: relative;
}
.bo-can-card--yes h4 { color: #065f46; }
.bo-can-card--no h4 { color: #991b1b; }
.bo-can-card ul { list-style: none; padding: 0; margin: 0; display: grid; gap: .5rem; }
.bo-can-card li {
  position: relative;
  padding: .5rem .8rem .5rem 2rem;
  border-radius: .7rem;
  background: rgba(255, 255, 255, 0.9);
  font-family: Poppins, system-ui, sans-serif;
  font-size: .85rem;
  color: #334155;
  line-height: 1.5;
  transition: transform .2s ease, box-shadow .2s ease;
}
.bo-can-card li:hover {
  transform: translateX(3px);
  box-shadow: 0 2px 8px rgba(0,0,0,0.03);
}
.bo-can-card--yes li::before {
  content: "✓";
  position: absolute;
  left: .75rem;
  top: .45rem;
  color: #059669;
  font-size: .9rem;
  font-weight: 800;
}
.bo-can-card--no li::before {
  content: "✕";
  position: absolute;
  left: .75rem;
  top: .45rem;
  color: #dc2626;
  font-size: .9rem;
  font-weight: 800;
}

/* ═══════════════════════════════════════════════════════════════
   SECTION 16 – FAQ Accordion (Redesigned)
   ═══════════════════════════════════════════════════════════════ */
.bo-faq {
  border: 1px solid rgba(147, 197, 253, 0.2);
  border-radius: 1.1rem;
  background: linear-gradient(160deg, #ffffff 0%, #fafbff 100%);
  overflow: hidden;
  transition: border-color .3s ease, box-shadow .3s ease, transform .3s ease;
}
.bo-faq + .bo-faq { margin-top: .8rem; }
.bo-faq:hover {
  border-color: rgba(37, 99, 235, 0.3);
  box-shadow: 0 6px 20px rgba(37, 99, 235, 0.05);
}
.bo-faq summary {
  list-style: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.2rem 1.5rem;
  font-family: Manrope, system-ui, sans-serif;
  font-size: .96rem;
  font-weight: 700;
  color: var(--bo-ink);
  line-height: 1.45;
  transition: color .2s ease;
}
.bo-faq summary:hover { color: var(--bo-blue); }
.bo-faq summary::-webkit-details-marker { display: none; }
.bo-faq summary::after {
  content: "+";
  flex-shrink: 0;
  width: 1.9rem;
  height: 1.9rem;
  border-radius: .6rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(145deg, #f1f5f9, #e2e8f0);
  color: #475569;
  font-size: 1.2rem;
  font-weight: 600;
  transition: all .3s ease;
}
.bo-faq[open] summary::after { 
  content: "\2212"; 
  background: linear-gradient(145deg, #2563eb, #3b82f6); 
  color: #fff;
  box-shadow: 0 4px 12px rgba(37, 99, 235, 0.3);
  transform: rotate(180deg);
}
.bo-faq[open] { 
  border-color: rgba(37, 99, 235, 0.4); 
  box-shadow: 0 8px 28px rgba(37, 99, 235, 0.08);
  transform: translateY(-1px);
}
.bo-faq p {
  margin: 0;
  padding: 0 1.5rem 1.35rem;
  color: #475569;
  font-size: .92rem;
  line-height: 1.7;
}

/* ═══════════════════════════════════════════════════════════════
   SECTION 10 & Misc – Text Sections (Redesigned)
   ═══════════════════════════════════════════════════════════════ */
.bo-text-section p strong {
  color: var(--bo-ink);
  font-weight: 600;
}
.bo-text-section a.text-blue-600 {
  transition: color .2s ease, text-decoration-color .2s ease;
}
.bo-text-section a.text-blue-600:hover {
  text-decoration-color: var(--bo-blue);
}

/* ═══════════════════════════════════════════════════════════════
   LEGAL / CAUTION CALLOUT (Redesigned)
   ═══════════════════════════════════════════════════════════════ */
.bo-legal-note {
  padding: 1.3rem 1.5rem;
  border-radius: 1.2rem;
  background: linear-gradient(145deg, rgba(245, 158, 11, 0.06) 0%, rgba(254, 243, 199, 0.5) 50%, rgba(254, 246, 172, 0.4) 100%);
  border: 1.5px solid rgba(245, 158, 11, 0.3);
  font-family: Poppins, system-ui, sans-serif;
  font-size: .87rem;
  color: #78350f;
  line-height: 1.7;
  position: relative;
  overflow: hidden;
}
.bo-legal-note::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, #f59e0b, #fbbf24, #f59e0b);
}

.bo-legal-grid .p-2\.5 {
  border-radius: .85rem;
  transition: transform .2s ease, box-shadow .2s ease;
}
.bo-legal-grid .p-2\.5:hover {
  transform: translateX(3px);
  box-shadow: 0 3px 10px rgba(245, 158, 11, 0.1);
}

/* ═══════════════════════════════════════════════════════════════
   CLOSING CTA BANNER (Redesigned)
   ═══════════════════════════════════════════════════════════════ */
.bo-closing-cta {
  position: relative;
  border-radius: 2rem;
  overflow: hidden;
  background: 
    radial-gradient(circle at 82% 18%, rgba(139, 92, 246, 0.35), transparent 45%),
    radial-gradient(circle at 18% 85%, rgba(37, 99, 235, 0.3), transparent 45%),
    radial-gradient(circle at 50% 50%, rgba(56, 189, 248, 0.1), transparent 60%),
    linear-gradient(125deg, #030712 0%, #0a2242 50%, #030712 100%);
  border: 1px solid rgba(139, 92, 246, 0.35);
  margin-bottom: 1rem;
  box-shadow: 
    0 25px 60px rgba(3, 7, 18, 0.5),
    inset 0 1px 1px rgba(255, 255, 255, 0.1);
}
.bo-closing-cta .hero-shine {
  position: absolute;
  inset: -40% -20%;
  background: linear-gradient(115deg, transparent 30%, rgba(139, 92, 246, 0.12) 45%, rgba(37, 99, 235, 0.2) 50%, rgba(139, 92, 246, 0.12) 55%, transparent 70%);
  animation: heroShine 7s ease-in-out infinite;
  pointer-events: none;
}
@keyframes heroShine { 0%, 100% { transform: translateX(-12%) rotate(0deg); opacity: .5; } 50% { transform: translateX(12%) rotate(2deg); opacity: 1; } }

.gradient-text {
  background: linear-gradient(135deg, #c084fc 0%, #60a5fa 50%, #38bdf8 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.bo-closing-cta .grid > div {
  transition: all .25s ease;
}
.bo-closing-cta .grid > div:hover {
  background: rgba(255, 255, 255, 0.1);
  transform: translateY(-2px);
}

/* ═══════════════════════════════════════════════════════════════
   BREADCRUMB
   ═══════════════════════════════════════════════════════════════ */
.bo-breadcrumb {
  display: flex;
  align-items: center;
  gap: .45rem;
  font-family: Poppins, system-ui, sans-serif;
  font-size: .8rem;
  color: #64748b;
  margin-bottom: 1.1rem;
}
.bo-breadcrumb a { color: #94a3b8; text-decoration: none; transition: color .2s; }
.bo-breadcrumb a:hover { color: #60a5fa; }
.bo-breadcrumb span { color: #64748b; }

/* ── Scroll Entrance Animations ─────────────────────────────── */
.bo-block {
  opacity: 0;
  transform: translateY(28px) scale(.99);
  transition: opacity .7s cubic-bezier(.22, 1, .36, 1), transform .7s cubic-bezier(.22, 1, .36, 1);
}
.bo-block.is-visible {
  opacity: 1;
  transform: none;
}
.bo-block[data-delay="1"].is-visible { transition-delay: .1s; }

.section-shell { background: transparent; border-radius: 0; border: none; box-shadow: none; }

@media(prefers-reduced-motion: reduce) {
  .hero-shine, .gradient-text { animation: none !important; }
  .bo-block { opacity: 1; transform: none; transition: none; }
  .bo-cta::after { transition: none; }
  .bo-whatif::before, .bo-whatif::after,
  .bo-q-card::before, .bo-path-step::before,
  .bo-whatif:hover .bo-whatif__icon,
  .bo-path-step:hover .bo-path-step__num { transform: none; transition: none; }
}