/* ============================================================
   SABEA FINANCIAL — Master Stylesheet
   Brand tokens aligned to client portal / broker portal
   ============================================================ */

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body { min-height: 100vh; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }
img, svg, video { display: block; max-width: 100%; height: auto; }
a { text-decoration: none; color: inherit; }
button { font: inherit; cursor: pointer; background: none; border: 0; color: inherit; }
input, textarea, select { font: inherit; color: inherit; }

/* ---------- Design Tokens ---------- */
:root {
  /* Brand */
  --navy: #12153D;
  --navy-80: #1a1d4d;
  --navy-60: #4a4d6d;
  --gold: #C9A84C;
  --gold-light: #D6B960;
  --gold-pale: #F5EFD9;
  --cream: #FAF7EE;
  --white: #ffffff;
  --ink: #12153D;

  /* Neutral scale */
  --n-0: #ffffff;
  --n-50: #FAF7EE;
  --n-100: #F4F1E6;
  --n-200: #E8E4D3;
  --n-300: #C9C4AF;
  --n-500: #6B6A60;
  --n-700: #2E2D2A;
  --n-900: #12153D;

  /* State */
  --success: #16a34a;
  --success-bg: #dcfce7;
  --danger: #dc2626;
  --danger-bg: #fee2e2;

  /* Type */
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;

  /* Space */
  --r-sm: 6px;
  --r: 10px;
  --r-lg: 16px;
  --r-xl: 24px;

  --shadow-sm: 0 1px 3px rgba(18, 21, 61, 0.06);
  --shadow: 0 4px 20px rgba(18, 21, 61, 0.08);
  --shadow-lg: 0 12px 40px rgba(18, 21, 61, 0.14);
  --shadow-xl: 0 24px 60px rgba(18, 21, 61, 0.18);

  /* Layout */
  --container: 1200px;
  --container-narrow: 920px;
}

body {
  font-family: var(--font-body);
  color: var(--navy);
  background: var(--cream);
  line-height: 1.6;
  font-size: 16px;
}

/* ---------- Typography ---------- */
h1, h2, h3, h4, h5 { font-family: var(--font-display); color: var(--navy); line-height: 1.15; font-weight: 700; }
h1 { font-size: clamp(2rem, 5vw, 3.75rem); letter-spacing: -0.01em; }
h2 { font-size: clamp(1.75rem, 3.5vw, 2.5rem); letter-spacing: -0.005em; }
h3 { font-size: clamp(1.25rem, 2vw, 1.5rem); }
h4 { font-size: 1.1rem; }

p { color: var(--n-700); line-height: 1.75; }
.lead { font-size: 1.125rem; color: var(--n-700); line-height: 1.7; }

.eyebrow {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}
.eyebrow-navy { color: var(--navy); }

/* ---------- Layout primitives ---------- */
.container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: var(--container-narrow); margin: 0 auto; padding: 0 24px; }

.section { padding: 88px 0; }
.section-sm { padding: 56px 0; }
.section-lg { padding: 120px 0; }

.bg-navy { background: var(--navy); color: var(--white); }
.bg-navy h1, .bg-navy h2, .bg-navy h3, .bg-navy h4 { color: var(--white); }
.bg-navy p { color: rgba(255,255,255,0.75); }
.bg-cream { background: var(--cream); }
.bg-white { background: var(--white); }
.bg-gold-pale { background: var(--gold-pale); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 28px;
  font-size: 0.95rem; font-weight: 600;
  border-radius: var(--r);
  transition: all 0.2s ease;
  border: 1.5px solid transparent;
  white-space: nowrap;
  line-height: 1;
}
.btn-gold {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}
.btn-gold:hover {
  background: var(--gold-light);
  border-color: var(--gold-light);
  transform: translateY(-1px);
  box-shadow: 0 8px 24px rgba(201, 168, 76, 0.35);
}
.btn-navy {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-navy:hover {
  background: var(--navy-80);
  border-color: var(--navy-80);
  transform: translateY(-1px);
}
.btn-ghost {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-ghost:hover {
  background: var(--navy);
  color: var(--white);
}
.btn-ghost-light {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.3);
}
.btn-ghost-light:hover {
  background: var(--white);
  color: var(--navy);
  border-color: var(--white);
}
.btn-lg { padding: 18px 36px; font-size: 1rem; }
.btn-sm { padding: 10px 18px; font-size: 0.85rem; }

/* ---------- Header / Nav ---------- */
.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--n-200);
  position: sticky; top: 0; z-index: 50;
  transition: box-shadow 0.2s;
}
.site-header.scrolled { box-shadow: var(--shadow-sm); }
.nav-wrap {
  max-width: var(--container);
  margin: 0 auto;
  padding: 16px 24px;
  display: flex; align-items: center; justify-content: space-between;
  gap: 24px;
}
.nav-logo img { height: 40px; width: auto; }
.nav-links {
  display: flex; align-items: center; gap: 28px;
  list-style: none;
  margin: 0; padding: 0;
}
.nav-links > li {
  display: flex; align-items: center;
  line-height: 1;
}
.nav-links a {
  font-size: 0.875rem; font-weight: 500;
  letter-spacing: 0.01em;
  color: var(--navy);
  transition: color 0.15s;
  position: relative;
  line-height: 1;
}
.nav-links a:hover { color: var(--gold); }

.nav-dropdown { position: relative; }
.nav-dropdown-toggle {
  display: flex; align-items: center; gap: 4px;
  cursor: pointer;
  font-size: 0.875rem; font-weight: 500;
  letter-spacing: 0.01em;
  color: var(--navy);
  transition: color 0.15s;
  line-height: 1;
}
.nav-dropdown-toggle:hover { color: var(--gold); }
.nav-dropdown-toggle::after {
  content: '▾';
  font-size: 0.7rem;
  color: var(--n-500);
  transition: transform 0.2s;
}
.nav-dropdown:hover .nav-dropdown-toggle::after { transform: rotate(180deg); color: var(--gold); }
.nav-dropdown-menu {
  position: absolute;
  top: calc(100% + 18px);
  left: 50%;
  transform: translateX(-50%) translateY(-8px);
  background: var(--white);
  border: 1px solid var(--n-200);
  border-radius: var(--r);
  padding: 8px;
  min-width: 240px;
  box-shadow: var(--shadow-lg);
  opacity: 0; visibility: hidden;
  transition: all 0.2s;
  z-index: 100;
}
.nav-dropdown:hover .nav-dropdown-menu {
  opacity: 1; visibility: visible;
  transform: translateX(-50%) translateY(0);
}
.nav-dropdown-menu a {
  display: block;
  padding: 10px 14px;
  font-size: 0.88rem;
  border-radius: 6px;
  transition: background 0.15s;
}
.nav-dropdown-menu a:hover { background: var(--cream); color: var(--gold); }

.nav-cta { display: flex; align-items: center; gap: 12px; }
.nav-phone { font-size: 0.85rem; font-weight: 600; color: var(--navy); }
.nav-phone:hover { color: var(--gold); }

.nav-toggle {
  display: none;
  padding: 8px;
  cursor: pointer;
}
.nav-toggle span {
  display: block; width: 22px; height: 2px;
  background: var(--navy);
  margin: 4px 0;
  transition: all 0.2s;
}

@media (max-width: 960px) {
  .nav-links, .nav-cta .nav-phone { display: none; }
  .nav-toggle { display: block; }
  .mobile-nav-open .nav-links {
    display: flex; flex-direction: column;
    position: fixed; top: 72px; left: 0; right: 0;
    background: var(--white);
    padding: 24px;
    border-bottom: 1px solid var(--n-200);
    box-shadow: var(--shadow-lg);
    gap: 16px;
    align-items: stretch;
    z-index: 49;
  }
  .mobile-nav-open .nav-dropdown-menu {
    position: static;
    transform: none;
    opacity: 1; visibility: visible;
    box-shadow: none; border: 0;
    padding: 8px 0 0 16px;
    min-width: 0;
  }
  .nav-mobile-cta { margin-top: 12px; padding-top: 16px; border-top: 1px solid var(--n-200); }
}
.nav-mobile-cta { display: none; }
.mobile-nav-open .nav-mobile-cta { display: block; }
@media (max-width: 600px) {
  /* Hide the gold "Speak to a Broker" button on tight mobile — keep hamburger + logo only.
     User can access via the mobile menu. */
  .nav-cta .btn { display: none; }
  .nav-wrap { padding: 12px 16px; }
  .nav-logo img { height: 36px; }
}

/* ---------- Hero ---------- */
/* Default hero (used on simple/short pages — solid navy with gold gradient) */
.hero {
  position: relative;
  background: var(--navy);
  color: var(--white);
  padding: 100px 0 120px;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse at 80% 20%, rgba(201, 168, 76, 0.12), transparent 55%),
              radial-gradient(ellipse at 20% 80%, rgba(201, 168, 76, 0.06), transparent 50%);
  pointer-events: none;
}
.hero-content { position: relative; z-index: 1; max-width: 780px; }
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero .lead { color: rgba(255,255,255,0.78); font-size: 1.2rem; margin-bottom: 32px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 40px; }
.hero-trust {
  display: flex; gap: 28px; flex-wrap: wrap;
  padding-top: 28px;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.hero-trust-item {
  display: flex; align-items: center; gap: 8px;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.7);
}
.hero-trust-item strong { color: var(--gold); font-weight: 600; }

/* Hero with full-bleed team photo background (used on journey pages) */
.hero-photo {
  position: relative;
  min-height: 640px;
  display: flex;
  align-items: center;
  background: var(--navy);
  color: var(--white);
  padding: 64px 0 56px;
  overflow: hidden;
}
.hero-photo .hero-bg {
  position: absolute; inset: 0;
  background-image: url('../images/hero_team_photo_1920w.jpg');
  background-size: cover;
  background-position: center 30%;
}
/* Allow per-page override of the hero photo via .hero-bg-{slug} class */
.hero-photo .hero-bg.hero-bg-about {
  background-image: url('../images/055A6585.jpg');
  background-size: contain;
  background-repeat: no-repeat;
  background-position: center bottom;
  background-color: var(--navy);
}
.hero-photo .hero-bg::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(105deg, rgba(18, 21, 61, 0.78) 0%, rgba(18, 21, 61, 0.55) 50%, rgba(18, 21, 61, 0.30) 100%);
}
.hero-photo .hero-content {
  position: relative; z-index: 1;
  max-width: 700px;
}
.hero-photo h1 { color: var(--white); }
.hero-photo h1 em,
.bg-navy h1 em {
  color: var(--gold);
  font-style: italic;
  font-weight: 700;
}
.hero-photo .lead { color: rgba(255,255,255,0.85); }

/* Inline stats within the hero (small, gold numbers) */
.hero-stats-inline {
  display: flex;
  gap: 48px;
  padding-top: 32px;
  margin-top: 8px;
  border-top: 1px solid rgba(255,255,255,0.18);
  flex-wrap: wrap;
}
.hero-stats-inline .hsi-num {
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
}
.hero-stats-inline .hsi-lbl {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.55);
  margin-top: 6px;
  letter-spacing: 0.04em;
}

/* Trust strip overlaid at bottom of hero photo */
.hero-trust-overlay {
  position: absolute;
  left: 0; right: 0; bottom: 0;
  z-index: 2;
  background: rgba(8, 11, 36, 0.92);
  backdrop-filter: blur(4px);
  border-top: 1px solid rgba(201, 168, 76, 0.18);
  padding: 16px 0;
}
.hero-trust-overlay .container {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  flex-wrap: wrap;
}
.hero-trust-overlay .trust-item {
  display: flex; align-items: center; gap: 9px;
  font-size: 0.78rem; font-weight: 500;
  color: rgba(255,255,255,0.72);
  padding: 4px 26px;
  border-right: 1px solid rgba(255,255,255,0.10);
}
.hero-trust-overlay .trust-item:last-child { border-right: 0; }
.hero-trust-overlay .trust-dot {
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--gold);
  flex-shrink: 0;
}
@media (max-width: 720px) {
  .hero-trust-overlay { position: relative; }
  .hero-trust-overlay .container { gap: 8px; }
  .hero-trust-overlay .trust-item {
    border-right: 0;
    padding: 4px 12px;
  }
}

/* Hero with image (legacy split layout — keeping for any page that still uses it) */
.hero-split {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 60px;
  align-items: center;
}
.hero-split .hero-image {
  border-radius: var(--r-lg);
  overflow: hidden;
  aspect-ratio: 4/5;
  box-shadow: var(--shadow-xl);
  border: 1px solid rgba(201, 168, 76, 0.25);
}
.hero-split .hero-image img { width: 100%; height: 100%; object-fit: cover; }
@media (max-width: 880px) {
  .hero-split { grid-template-columns: 1fr; gap: 40px; }
  .hero-split .hero-image { max-width: 480px; margin: 0 auto; }
}

/* ---------- Stats bar ---------- */
.stats-bar {
  background: var(--white);
  border-top: 1px solid var(--n-200);
  border-bottom: 1px solid var(--n-200);
  padding: 32px 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  text-align: center;
}
.stat-value {
  font-family: var(--font-display);
  font-size: 2.25rem;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 6px;
}
.stat-label {
  font-size: 0.78rem;
  font-weight: 500;
  color: var(--n-500);
  letter-spacing: 0.05em;
  text-transform: uppercase;
}
@media (max-width: 720px) {
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 24px 16px; }
  .stat-value { font-size: 1.75rem; }
}

/* ---------- Sections / cards ---------- */
.section-head { text-align: center; max-width: 720px; margin: 0 auto 56px; }
.section-head.left { text-align: left; margin-left: 0; }
.section-head h2 { margin-bottom: 14px; }
.section-head p { font-size: 1.05rem; }

/* Grid of services/features */
.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
}
.card-grid-3 { grid-template-columns: repeat(3, 1fr); }
.card-grid-2 { grid-template-columns: repeat(2, 1fr); }

@media (max-width: 900px) {
  .card-grid-3 { grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
}

.card {
  background: var(--white);
  border: 1px solid var(--n-200);
  border-radius: var(--r-lg);
  padding: 32px;
  transition: all 0.2s;
  display: flex; flex-direction: column;
}
.card:hover {
  border-color: var(--gold);
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
}
.card-icon {
  width: 48px; height: 48px;
  background: var(--gold-pale);
  border-radius: var(--r);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 18px;
}
.card h3 { margin-bottom: 10px; font-size: 1.15rem; }
.card p { font-size: 0.93rem; margin-bottom: 18px; flex: 1; }
.card-link {
  font-size: 0.85rem; font-weight: 600;
  color: var(--gold);
  display: inline-flex; align-items: center; gap: 6px;
  transition: gap 0.2s;
}
.card-link:hover { gap: 10px; }

/* Step cards */
.steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 24px;
  counter-reset: step;
  margin-top: 20px;
}
.step {
  position: relative;
  padding: 32px 24px 24px;
  background: var(--white);
  border: 1px solid var(--n-200);
  border-radius: var(--r-lg);
}
.bg-navy .step h3, .step h3 { color: var(--navy); }
.bg-navy .step p, .step p { color: var(--n-700); }
.step-num {
  position: absolute; top: -20px; left: 24px;
  width: 44px; height: 44px;
  background: var(--gold);
  color: var(--navy);
  border: 3px solid var(--white);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 700;
  box-shadow: 0 4px 12px rgba(0,0,0,0.15);
}
.step h3 { font-size: 1.05rem; margin-bottom: 8px; }
.step p { font-size: 0.9rem; }

/* ---------- Testimonials ---------- */
.reviews {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.review {
  background: var(--white);
  border: 1px solid var(--n-200);
  border-radius: var(--r-lg);
  padding: 28px;
}
.review-stars {
  color: var(--gold);
  margin-bottom: 14px;
  letter-spacing: 2px;
  font-size: 0.9rem;
}
.review blockquote {
  font-size: 0.95rem;
  line-height: 1.65;
  color: var(--n-700);
  font-style: italic;
  margin-bottom: 16px;
}
.review cite {
  font-style: normal;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
  display: block;
}
.review cite span { display: block; font-weight: 400; color: var(--n-500); font-size: 0.8rem; margin-top: 2px; }
@media (max-width: 900px) {
  .reviews { grid-template-columns: 1fr; }
}

/* ---------- Team ---------- */
.team-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.team-card {
  text-align: center;
  transition: transform 0.2s;
}
.team-card:hover { transform: translateY(-3px); }
.team-avatar {
  aspect-ratio: 3/4;
  background: var(--n-100);
  border-radius: var(--r-lg);
  overflow: hidden;
  margin-bottom: 14px;
  border: 1px solid var(--n-200);
}
.team-avatar img {
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: center 8%; /* default — favours upper part of frame for headshots */
  display: block;
  image-rendering: high-quality;
  image-rendering: -webkit-optimize-contrast;
}
/* Per-member fine-tuning (matches Webflow source) */
.team-card[data-m="rambod"] .team-avatar img { object-position: center 0%; }
.team-card[data-m="elvie"] .team-avatar img { object-position: center 0%; }
.team-card[data-m="mitchell"] .team-avatar img { object-position: center 5%; }
.team-card[data-m="loren"] .team-avatar img { object-position: center 3%; }
.team-card[data-m="max"] .team-avatar img { object-position: center 5%; }
.team-card[data-m="cytherea"] .team-avatar img { object-position: center 3%; }
.team-card[data-m="barnes"] .team-avatar img { object-position: center 5%; }
.team-card[data-m="jenny"] .team-avatar img { object-position: center 3%; }
.team-card[data-m="martie"] .team-avatar img { object-position: center 5%; }

.team-card h4 { font-family: var(--font-display); font-size: 1.05rem; margin-bottom: 3px; }
.team-card .role { font-size: 0.78rem; color: var(--gold); font-weight: 500; letter-spacing: 0.05em; }
@media (max-width: 900px) { .team-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 600px) { .team-grid { grid-template-columns: repeat(2, 1fr); } }

/* ---------- Values grid (used on About page) ---------- */
.values-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 14px;
}
.value-card {
  background: var(--n-100);
  border-left: 4px solid var(--gold);
  border-radius: var(--r);
  padding: 16px 22px;
  transition: transform 0.15s, box-shadow 0.15s;
}
.value-card:hover { transform: translateX(2px); box-shadow: var(--shadow-sm); }
.value-card .v-key {
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.2;
}
.value-card .v-sub {
  font-size: 0.85rem;
  color: var(--n-500);
  margin-top: 2px;
}
.value-card.value-hero {
  background: var(--navy);
  border-left-color: var(--gold);
}
.value-card.value-hero .v-key { color: var(--gold); }
.value-card.value-hero .v-sub { color: rgba(255,255,255,0.65); }

/* ---------- Google rating badge ---------- */
.google-rating {
  display: flex; align-items: center; gap: 10px;
  margin-top: 18px;
}
.google-rating .g-logo {
  width: 24px; height: 24px;
  border-radius: 50%;
  background: var(--white);
  border: 1px solid var(--n-200);
  display: flex; align-items: center; justify-content: center;
  color: #4285F4;
  font-family: Arial, sans-serif;
  font-weight: 700;
  font-size: 14px;
  flex-shrink: 0;
}
.google-rating .stars { color: var(--gold); letter-spacing: 3px; font-size: 1rem; }
.google-rating-link {
  display: block;
  margin-top: 8px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--gold);
}
.google-rating-link:hover { color: var(--gold-light); }

/* ---------- Forms ---------- */
.form-group { margin-bottom: 18px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 6px;
}
.form-label .req { color: var(--danger); }
.form-input, .form-select, .form-textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--n-200);
  border-radius: var(--r);
  font-size: 0.92rem;
  background: var(--white);
  transition: border-color 0.15s, box-shadow 0.15s;
  outline: 0;
}
.form-input:focus, .form-select:focus, .form-textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201, 168, 76, 0.15);
}
.form-textarea { resize: vertical; min-height: 110px; }
.form-hint { font-size: 0.78rem; color: var(--n-500); margin-top: 4px; }

.form-success, .form-error {
  padding: 14px 18px;
  border-radius: var(--r);
  font-size: 0.9rem;
  margin-top: 14px;
  display: none;
}
.form-success.show, .form-error.show { display: block; }
.form-success { background: var(--success-bg); color: var(--success); border: 1px solid rgba(22, 163, 74, 0.25); }
.form-error { background: var(--danger-bg); color: var(--danger); border: 1px solid rgba(220, 38, 38, 0.25); }

@media (max-width: 560px) { .form-row { grid-template-columns: 1fr; } }

/* ---------- CTA block ---------- */
.cta-block {
  background: var(--navy);
  color: var(--white);
  border-radius: var(--r-xl);
  padding: 64px 48px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-block::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse at 50% 0%, rgba(201, 168, 76, 0.12), transparent 60%);
}
.cta-block > * { position: relative; z-index: 1; }
.cta-block h2 { color: var(--white); margin-bottom: 14px; }
.cta-block p { color: rgba(255,255,255,0.75); font-size: 1.05rem; margin: 0 auto 28px; max-width: 580px; }
.cta-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy);
  color: rgba(255,255,255,0.7);
  padding: 72px 0 32px;
  border-top: 1px solid rgba(255,255,255,0.08);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
  gap: 48px;
  margin-bottom: 48px;
}
.footer-col h5 {
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.15em;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-col a { font-size: 0.9rem; color: rgba(255,255,255,0.7); transition: color 0.15s; }
.footer-col a:hover { color: var(--gold); }
.footer-brand p { color: rgba(255,255,255,0.6); font-size: 0.88rem; max-width: 340px; line-height: 1.7; }
.footer-brand .footer-logo {
  height: 64px;
  width: auto;
  margin-bottom: 18px;
  shape-rendering: geometricPrecision;
  image-rendering: high-quality;
}
.footer-contact-item { display: flex; gap: 10px; font-size: 0.88rem; margin-bottom: 10px; }
.footer-socials { display: flex; gap: 10px; margin-top: 18px; }
.footer-socials a {
  width: 36px; height: 36px;
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.85rem;
  transition: all 0.15s;
}
.footer-socials a:hover { border-color: var(--gold); color: var(--gold); }

.footer-bottom {
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,0.08);
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 14px;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.45);
}
.footer-disclaimer {
  margin-top: 24px;
  font-size: 0.72rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.4);
  max-width: 900px;
}
@media (max-width: 900px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
}
@media (max-width: 560px) {
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
}

/* ---------- Utility ---------- */
.text-center { text-align: center; }
.mb-0 { margin-bottom: 0; }
.mb-1 { margin-bottom: 8px; }
.mb-2 { margin-bottom: 16px; }
.mb-3 { margin-bottom: 24px; }
.mb-4 { margin-bottom: 32px; }
.mb-5 { margin-bottom: 48px; }
.mt-3 { margin-top: 24px; }
.mt-4 { margin-top: 32px; }

.list-check { list-style: none; padding: 0; }
.list-check li {
  padding: 8px 0 8px 28px;
  position: relative;
  font-size: 0.95rem;
  color: var(--n-700);
  line-height: 1.6;
}
.list-check li::before {
  content: '✓';
  position: absolute;
  left: 0; top: 8px;
  color: var(--gold);
  font-weight: 700;
}

/* Two-column content */
.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
@media (max-width: 880px) {
  .two-col { grid-template-columns: 1fr; gap: 40px; }
}

/* Pill */
.pill {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--gold-pale);
  border: 1px solid rgba(201, 168, 76, 0.3);
  color: var(--navy);
  font-size: 0.72rem; font-weight: 600;
  letter-spacing: 0.1em; text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 50px;
  margin-bottom: 18px;
}
.pill-dark {
  background: rgba(201, 168, 76, 0.15);
  border-color: rgba(201, 168, 76, 0.3);
  color: var(--gold);
}

/* Blog-specific */
.article-body { font-size: 1.05rem; line-height: 1.8; color: var(--n-700); max-width: 740px; margin: 0 auto; }
.article-body h2 { margin: 48px 0 16px; font-size: 1.75rem; }
.article-body h3 { margin: 32px 0 12px; font-size: 1.3rem; }
.article-body p { margin-bottom: 20px; }
.article-body ul, .article-body ol { margin: 0 0 20px 24px; }
.article-body li { margin-bottom: 8px; }
.article-body a { color: var(--gold); text-decoration: underline; }
.article-body blockquote {
  border-left: 4px solid var(--gold);
  padding: 8px 0 8px 24px;
  margin: 24px 0;
  font-style: italic;
  color: var(--navy);
}
.article-body img { margin: 24px 0; border-radius: var(--r); }

.article-meta {
  display: flex; gap: 16px; flex-wrap: wrap;
  font-size: 0.85rem; color: var(--n-500);
  margin-bottom: 24px;
}
.article-meta .category {
  background: var(--gold-pale);
  color: var(--navy);
  padding: 4px 10px;
  border-radius: 4px;
  font-weight: 600;
  font-size: 0.75rem;
}

/* FAQ */
.faq-item {
  border-bottom: 1px solid var(--n-200);
  padding: 20px 0;
}
.faq-item summary {
  font-family: var(--font-display);
  font-size: 1.1rem;
  color: var(--navy);
  cursor: pointer;
  list-style: none;
  display: flex; justify-content: space-between; align-items: center;
  gap: 16px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  font-size: 1.5rem;
  color: var(--gold);
  transition: transform 0.2s;
  flex-shrink: 0;
}
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item > *:not(summary) {
  margin-top: 16px;
  font-size: 0.95rem;
  color: var(--n-700);
  line-height: 1.75;
}

/* Mobile header height var */
@media (max-width: 960px) {
  .site-header { padding: 0; }
  .nav-wrap { padding: 14px 20px; }
}

/* Print */
@media print {
  .site-header, .site-footer, .cta-block { display: none; }
}