@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,400;0,500;0,600;0,700;1,400;1,600&family=IBM+Plex+Sans:ital,wght@0,300;0,400;0,500;0,600;1,300;1,400&display=swap');

:root {
  --navy: #0B1F3A;
  --navy-mid: #122944;
  --navy-light: #1a3a5c;
  --gold: #C9A84C;
  --gold-light: #e0c170;
  --cream: #FAF8F4;
  --cream-dark: #F2EDE4;
  --text: #1C1C2E;
  --text-mid: #4A4A5A;
  --text-light: #7A7A8A;
  --white: #FFFFFF;
  --border: #E2DDD6;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'IBM Plex Sans', sans-serif;
  background: var(--cream);
  color: var(--text);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

/* ── NAVIGATION ─────────────────────────────────── */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  background: rgba(11, 31, 58, 0.97);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid rgba(201, 168, 76, 0.25);
}

.nav-inner {
  max-width: 1200px; margin: 0 auto;
  padding: 0 2rem;
  display: flex; align-items: center; justify-content: space-between;
  height: 72px;
}

.nav-logo {
  display: flex; align-items: center; gap: 0.75rem;
  text-decoration: none;
}

.nav-logo-mark {
  width: 36px; height: 36px;
}

.nav-logo-text {
  display: flex; flex-direction: column; line-height: 1;
}

.nav-logo-name {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.2rem; font-weight: 600;
  color: var(--white); letter-spacing: 0.04em;
}

.nav-logo-sub {
  font-size: 0.6rem; font-weight: 500;
  color: var(--gold); letter-spacing: 0.18em;
  text-transform: uppercase; margin-top: 2px;
}

.nav-links {
  display: flex; align-items: center; gap: 0.25rem;
  list-style: none;
}

.nav-links a {
  font-size: 0.82rem; font-weight: 500;
  color: rgba(255,255,255,0.75);
  text-decoration: none; padding: 0.5rem 0.85rem;
  border-radius: 4px;
  letter-spacing: 0.04em;
  transition: color 0.2s, background 0.2s;
}

.nav-links a:hover, .nav-links a.active {
  color: var(--white);
  background: rgba(201, 168, 76, 0.12);
}

.nav-links a.active { color: var(--gold); }

.nav-cta {
  background: var(--gold) !important;
  color: var(--navy) !important;
  font-weight: 600 !important;
  padding: 0.5rem 1.25rem !important;
}
.nav-cta:hover { background: var(--gold-light) !important; }

.nav-burger {
  display: none;
  background: none; border: none; cursor: pointer;
  padding: 4px;
}
.nav-burger span {
  display: block; width: 24px; height: 2px;
  background: var(--white); margin: 5px 0;
  transition: all 0.3s;
}

/* ── HERO ────────────────────────────────────────── */
.hero {
  background: var(--navy);
  padding: 9rem 2rem 6rem;
  position: relative; overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse at 70% 50%, rgba(201,168,76,0.08) 0%, transparent 65%),
              radial-gradient(ellipse at 20% 80%, rgba(201,168,76,0.05) 0%, transparent 50%);
  pointer-events: none;
}

.hero-inner {
  max-width: 900px; margin: 0 auto;
  position: relative; z-index: 1;
}

.hero-eyebrow {
  font-size: 0.72rem; font-weight: 600;
  color: var(--gold); letter-spacing: 0.2em;
  text-transform: uppercase; margin-bottom: 1.5rem;
  display: flex; align-items: center; gap: 0.75rem;
}

.hero-eyebrow::before {
  content: ''; display: block;
  width: 32px; height: 1px; background: var(--gold);
}

.hero h1 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(2.4rem, 5vw, 3.8rem);
  font-weight: 600; line-height: 1.15;
  color: var(--white); margin-bottom: 1.75rem;
  letter-spacing: -0.01em;
}

.hero h1 em {
  font-style: italic; color: var(--gold);
}

.hero-sub {
  font-size: 1.05rem; font-weight: 300;
  color: rgba(255,255,255,0.72);
  max-width: 680px; line-height: 1.75;
  margin-bottom: 2.5rem;
}

.hero-actions {
  display: flex; gap: 1rem; flex-wrap: wrap;
}

.btn {
  display: inline-flex; align-items: center; gap: 0.5rem;
  padding: 0.85rem 2rem;
  font-family: 'IBM Plex Sans', sans-serif;
  font-size: 0.88rem; font-weight: 600;
  letter-spacing: 0.04em; text-decoration: none;
  border-radius: 3px; transition: all 0.2s; cursor: pointer;
  border: none;
}

.btn-primary {
  background: var(--gold); color: var(--navy);
}
.btn-primary:hover { background: var(--gold-light); transform: translateY(-1px); }

.btn-outline {
  background: transparent; color: var(--white);
  border: 1px solid rgba(255,255,255,0.35);
}
.btn-outline:hover {
  border-color: var(--gold); color: var(--gold);
}

.btn-navy {
  background: var(--navy); color: var(--white);
}
.btn-navy:hover { background: var(--navy-light); }

/* ── PAGE HEADER (inner pages) ───────────────────── */
.page-header {
  background: var(--navy);
  padding: 8rem 2rem 4rem;
  position: relative; overflow: hidden;
}

.page-header::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse at 80% 50%, rgba(201,168,76,0.07) 0%, transparent 60%);
  pointer-events: none;
}

.page-header-inner {
  max-width: 900px; margin: 0 auto;
  position: relative; z-index: 1;
}

.page-header-eyebrow {
  font-size: 0.7rem; font-weight: 600;
  color: var(--gold); letter-spacing: 0.2em;
  text-transform: uppercase; margin-bottom: 1rem;
  display: flex; align-items: center; gap: 0.75rem;
}
.page-header-eyebrow::before {
  content: ''; display: block;
  width: 24px; height: 1px; background: var(--gold);
}

.page-header h1 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 600; color: var(--white);
  line-height: 1.2; letter-spacing: -0.01em;
}

.page-header-intro {
  font-size: 1rem; color: rgba(255,255,255,0.65);
  max-width: 600px; margin-top: 1rem;
  font-weight: 300; line-height: 1.75;
}

/* ── SECTIONS ────────────────────────────────────── */
.section {
  padding: 5rem 2rem;
}

.section-cream { background: var(--cream); }
.section-white { background: var(--white); }
.section-navy { background: var(--navy); }
.section-cream-dark { background: var(--cream-dark); }

.section-inner {
  max-width: 900px; margin: 0 auto;
}

.section-inner-wide {
  max-width: 1100px; margin: 0 auto;
}

.section-label {
  font-size: 0.7rem; font-weight: 600;
  color: var(--gold); letter-spacing: 0.2em;
  text-transform: uppercase; margin-bottom: 1rem;
  display: flex; align-items: center; gap: 0.75rem;
}
.section-label::before {
  content: ''; display: block;
  width: 24px; height: 1px; background: var(--gold);
}

h2.section-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(1.75rem, 3.5vw, 2.6rem);
  font-weight: 600; color: var(--navy);
  line-height: 1.2; margin-bottom: 1.25rem;
  letter-spacing: -0.01em;
}

h2.section-title-light {
  color: var(--white);
}

h3.sub-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.5rem; font-weight: 600;
  color: var(--navy); margin-bottom: 0.75rem;
  line-height: 1.3;
}

h3.sub-title-light { color: var(--white); }

.lead {
  font-size: 1.08rem; color: var(--text-mid);
  line-height: 1.8; margin-bottom: 1.5rem;
  font-weight: 300;
}

p {
  font-size: 0.95rem; color: var(--text-mid);
  line-height: 1.8; margin-bottom: 1.25rem;
}

p.light { color: rgba(255,255,255,0.7); }

/* ── PULL QUOTE ──────────────────────────────────── */
.pull-quote {
  border-left: 4px solid var(--gold);
  padding: 1.25rem 0 1.25rem 2rem;
  margin: 2.5rem 0;
}

.pull-quote p {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.45rem; font-weight: 600;
  color: var(--navy); font-style: italic;
  line-height: 1.5; margin: 0;
}

.pull-quote p.light { color: rgba(255,255,255,0.9); }

/* ── RISK CARDS ──────────────────────────────────── */
.risk-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.25rem; margin-top: 2rem;
}

.risk-card {
  background: rgba(201, 168, 76, 0.07);
  border: 1px solid rgba(201, 168, 76, 0.2);
  border-top: 3px solid var(--gold);
  padding: 1.5rem;
  border-radius: 3px;
}

.risk-card-icon {
  font-size: 1.5rem; margin-bottom: 0.75rem;
}

.risk-card h4 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.15rem; font-weight: 600;
  color: var(--white); margin-bottom: 0.5rem;
}

.risk-card p {
  font-size: 0.88rem; color: rgba(255,255,255,0.65);
  line-height: 1.65; margin: 0;
}

/* ── WHAT MAKES US DIFFERENT ─────────────────────── */
.differentiators {
  display: grid; gap: 1rem; margin-top: 1.75rem;
}

.diff-item {
  display: flex; gap: 1rem; align-items: flex-start;
  padding: 1.25rem; background: var(--white);
  border: 1px solid var(--border); border-radius: 3px;
  transition: border-color 0.2s, box-shadow 0.2s;
}

.diff-item:hover {
  border-color: var(--gold);
  box-shadow: 0 2px 12px rgba(201,168,76,0.1);
}

.diff-number {
  font-family: 'Cormorant Garamond', serif;
  font-size: 2rem; font-weight: 700;
  color: var(--gold); line-height: 1;
  min-width: 2rem; opacity: 0.5;
}

.diff-text h4 {
  font-size: 0.92rem; font-weight: 600;
  color: var(--navy); margin-bottom: 0.3rem;
}

.diff-text p { font-size: 0.88rem; margin: 0; }

/* ── INDEPENDENCE BAND ───────────────────────────── */
.independence-band {
  background: var(--cream-dark);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 3rem 2rem;
}

/* ── SERVICES GRID ───────────────────────────────── */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem; margin-top: 2rem;
}

.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-top: 3px solid var(--gold);
  padding: 2rem; border-radius: 3px;
  transition: box-shadow 0.2s, transform 0.2s;
}

.service-card:hover {
  box-shadow: 0 6px 24px rgba(11,31,58,0.08);
  transform: translateY(-2px);
}

.service-card h3 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.3rem; font-weight: 600;
  color: var(--navy); margin-bottom: 0.75rem;
}

.service-card p {
  font-size: 0.88rem; line-height: 1.75; margin: 0;
}

/* ── STEPS ───────────────────────────────────────── */
.steps { margin-top: 2rem; }

.step {
  display: flex; gap: 1.5rem; align-items: flex-start;
  padding: 1.75rem 0;
  border-bottom: 1px solid var(--border);
}

.step:last-child { border-bottom: none; }

.step-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 2.8rem; font-weight: 700;
  color: var(--gold); line-height: 1;
  min-width: 3rem; opacity: 0.4;
}

.step-body h4 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.3rem; font-weight: 600;
  color: var(--navy); margin-bottom: 0.5rem;
}

.step-body p { font-size: 0.9rem; margin: 0; }

/* ── ABOUT SECTIONS ──────────────────────────────── */
.credentials {
  display: grid; gap: 0.75rem; margin-top: 1.5rem;
}

.credential {
  display: flex; align-items: flex-start; gap: 0.875rem;
  padding: 0.875rem 1rem;
  background: var(--white); border: 1px solid var(--border);
  border-radius: 3px;
}

.credential-icon {
  color: var(--gold); font-size: 0.9rem;
  min-width: 1rem; margin-top: 2px;
}

.credential p {
  font-size: 0.9rem; color: var(--text-mid); margin: 0; line-height: 1.6;
}

/* ── FOUNDING STORY ──────────────────────────────── */
.founding-story {
  background: var(--navy);
  padding: 4rem 2rem;
  position: relative; overflow: hidden;
}

.founding-story::before {
  content: '\201C';
  position: absolute; top: -1rem; left: 2rem;
  font-family: 'Cormorant Garamond', serif;
  font-size: 12rem; color: rgba(201,168,76,0.06);
  line-height: 1; pointer-events: none;
}

/* ── FAQ ─────────────────────────────────────────── */
.faq-list { margin-top: 2rem; }

.faq-item {
  border-bottom: 1px solid var(--border);
}

.faq-question {
  width: 100%; background: none; border: none;
  display: flex; justify-content: space-between; align-items: center;
  padding: 1.25rem 0; cursor: pointer;
  text-align: left; gap: 1rem;
}

.faq-question-text {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.15rem; font-weight: 600;
  color: var(--navy); line-height: 1.35;
}

.faq-icon {
  min-width: 24px; height: 24px;
  background: var(--cream-dark); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem; color: var(--navy);
  transition: transform 0.3s, background 0.2s;
}

.faq-item.open .faq-icon {
  transform: rotate(45deg);
  background: var(--gold); color: var(--navy);
}

.faq-answer {
  max-height: 0; overflow: hidden;
  transition: max-height 0.35s ease;
}

.faq-answer-inner {
  padding: 0 0 1.5rem;
}

.faq-answer-inner p {
  font-size: 0.9rem; color: var(--text-mid); margin: 0;
}

/* ── CONTACT ─────────────────────────────────────── */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.6fr;
  gap: 3rem; margin-top: 2rem;
  align-items: start;
}

.contact-details { display: grid; gap: 1.5rem; }

.contact-detail {
  display: flex; gap: 1rem; align-items: flex-start;
}

.contact-detail-icon {
  width: 40px; height: 40px;
  background: rgba(201,168,76,0.12);
  border-radius: 3px;
  display: flex; align-items: center; justify-content: center;
  color: var(--gold); font-size: 1rem; flex-shrink: 0;
}

.contact-detail-label {
  font-size: 0.72rem; font-weight: 600;
  color: var(--gold); letter-spacing: 0.15em;
  text-transform: uppercase; margin-bottom: 0.25rem;
}

.contact-detail-value {
  font-size: 0.92rem; color: var(--text); margin: 0;
  line-height: 1.5;
}

.contact-detail-value a {
  color: var(--navy); text-decoration: none;
}
.contact-detail-value a:hover { color: var(--gold); }

.process-steps { margin-top: 0.5rem; display: grid; gap: 0.75rem; }

.process-step {
  display: flex; gap: 0.875rem; align-items: flex-start;
}

.process-step-num {
  width: 26px; height: 26px; background: var(--gold);
  color: var(--navy); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.75rem; font-weight: 700; flex-shrink: 0;
  margin-top: 1px;
}

.process-step p { font-size: 0.9rem; margin: 0; line-height: 1.6; }

/* ── FORM ────────────────────────────────────────── */
.contact-form {
  background: var(--white);
  border: 1px solid var(--border);
  border-top: 3px solid var(--gold);
  padding: 2.25rem; border-radius: 3px;
}

.form-group { margin-bottom: 1.25rem; }

.form-label {
  display: block; font-size: 0.8rem; font-weight: 600;
  color: var(--navy); margin-bottom: 0.4rem;
  letter-spacing: 0.04em;
}

.form-label span { color: var(--gold); }

.form-input, .form-select, .form-textarea {
  width: 100%; padding: 0.75rem 1rem;
  font-family: 'IBM Plex Sans', sans-serif;
  font-size: 0.9rem; color: var(--text);
  background: var(--cream); border: 1px solid var(--border);
  border-radius: 3px; transition: border-color 0.2s, box-shadow 0.2s;
  outline: none; -webkit-appearance: none;
}

.form-input:focus, .form-select:focus, .form-textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,168,76,0.12);
  background: var(--white);
}

.form-textarea { resize: vertical; min-height: 120px; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }

.form-submit {
  width: 100%; padding: 0.9rem;
  font-size: 0.92rem;
}

.form-note {
  font-size: 0.8rem; color: var(--text-light);
  margin-top: 0.75rem; text-align: center; margin-bottom: 0;
}

/* ── TESTIMONIALS PLACEHOLDER ────────────────────── */
.testimonials-placeholder {
  border: 2px dashed var(--border);
  border-radius: 3px; padding: 3rem;
  text-align: center; margin-top: 2rem;
}

.testimonials-placeholder p {
  font-size: 0.88rem; color: var(--text-light);
  font-style: italic; margin: 0;
}

/* ── CTA BAND ────────────────────────────────────── */
.cta-band {
  background: var(--gold);
  padding: 4rem 2rem; text-align: center;
}

.cta-band h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(1.75rem, 3vw, 2.4rem);
  font-weight: 600; color: var(--navy);
  margin-bottom: 0.75rem;
}

.cta-band p {
  color: rgba(11,31,58,0.75); font-size: 1rem;
  margin-bottom: 1.75rem; font-weight: 300;
}

/* ── FOOTER ──────────────────────────────────────── */
footer {
  background: var(--navy);
  border-top: 1px solid rgba(201,168,76,0.2);
  padding: 3rem 2rem 2rem;
}

.footer-inner {
  max-width: 1100px; margin: 0 auto;
  display: grid; grid-template-columns: 1.5fr 1fr 1fr;
  gap: 3rem; padding-bottom: 2.5rem;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.footer-brand-name {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.2rem; font-weight: 600;
  color: var(--white); margin-bottom: 0.25rem;
}

.footer-brand-sub {
  font-size: 0.7rem; color: var(--gold);
  letter-spacing: 0.15em; text-transform: uppercase;
  margin-bottom: 1rem;
}

.footer-brand-desc {
  font-size: 0.85rem; color: rgba(255,255,255,0.45);
  line-height: 1.7; margin: 0;
}

.footer-col h4 {
  font-size: 0.72rem; font-weight: 600;
  color: var(--gold); letter-spacing: 0.15em;
  text-transform: uppercase; margin-bottom: 1rem;
}

.footer-col ul { list-style: none; display: grid; gap: 0.6rem; }

.footer-col ul li a {
  font-size: 0.875rem; color: rgba(255,255,255,0.55);
  text-decoration: none; transition: color 0.2s;
}
.footer-col ul li a:hover { color: var(--white); }

.footer-bottom {
  max-width: 1100px; margin: 1.5rem auto 0;
  display: flex; justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 0.75rem;
}

.footer-bottom p {
  font-size: 0.78rem; color: rgba(255,255,255,0.3); margin: 0;
}

.footer-bottom a {
  color: rgba(255,255,255,0.4); text-decoration: none;
  transition: color 0.2s;
}
.footer-bottom a:hover { color: rgba(255,255,255,0.7); }

/* ── UTILS ───────────────────────────────────────── */
.mt-0 { margin-top: 0; }
.mt-1 { margin-top: 1rem; }
.mt-2 { margin-top: 2rem; }
.mt-3 { margin-top: 3rem; }
.mb-0 { margin-bottom: 0; }
.text-gold { color: var(--gold); }
.text-navy { color: var(--navy); }
.text-center { text-align: center; }
.font-serif { font-family: 'Cormorant Garamond', serif; }

/* ── MOBILE ──────────────────────────────────────── */
@media (max-width: 768px) {
  .nav-links { display: none; flex-direction: column; position: absolute;
    top: 72px; left: 0; right: 0; background: var(--navy);
    padding: 1rem; border-bottom: 1px solid rgba(201,168,76,0.2); }
  .nav-links.open { display: flex; }
  .nav-burger { display: block; }

  .hero { padding: 7rem 1.5rem 4rem; }
  .hero h1 { font-size: 2.1rem; }
  .hero-actions { flex-direction: column; }
  .btn { justify-content: center; }

  .contact-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; gap: 2rem; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .risk-cards { grid-template-columns: 1fr; }
  .section { padding: 3.5rem 1.5rem; }
}

@media (max-width: 480px) {
  .services-grid { grid-template-columns: 1fr; }
  .page-header { padding: 7rem 1.5rem 3rem; }
}

/* ── FADE IN ANIMATION ───────────────────────────── */
.fade-in {
  opacity: 0; transform: translateY(18px);
  transition: opacity 0.55s ease, transform 0.55s ease;
}
.fade-in.visible { opacity: 1; transform: translateY(0); }