/* ── Reset & Base ─────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:        #1E2F4D;
  --navy-dark:   #162340;
  --cream:       #F5F0E6;
  --cream-dark:  #EDE7D8;
  --gold:        #C9A84C;
  --gold-light:  #e8d49a;
  --gray:        #6B7280;
  --charcoal:    #2D2D2D;
  --white:       #FFFFFF;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', sans-serif;
  font-size: 17px;
  line-height: 1.7;
  color: var(--charcoal);
  background: var(--cream);
}

img { display: block; max-width: 100%; }
a   { color: inherit; text-decoration: none; }

/* ── Typography ───────────────────────────────────── */
h1, h2, h3, h4 {
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.2;
}

h1 { font-size: clamp(2rem, 4vw, 2.9rem); line-height: 1.25; }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.25rem); line-height: 1.25; }
h3 { font-size: 1.2rem; }
h4 { font-size: 1rem; }

.pullquote {
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
  font-size: clamp(1.15rem, 2.5vw, 1.5rem);
  line-height: 1.55;
  color: var(--navy);
}

/* ── Layout ───────────────────────────────────────── */
.container { max-width: 1100px; margin: 0 auto; padding: 0 2rem; }
.container--narrow { max-width: 760px; margin: 0 auto; padding: 0 2rem; }

.section         { padding: 5rem 0; }
.section--sm     { padding: 3.5rem 0; }
.section--dark   { background: var(--navy); color: var(--cream); }
.section--white  { background: var(--white); }
.section--cream  { background: var(--cream); }

.section--dark h1,
.section--dark h2,
.section--dark h3 { color: var(--white); }

.gold-rule { width: 52px; height: 3px; background: var(--gold); margin: 1rem 0 1.75rem; }

.label {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
}
.section--dark .label { color: var(--gold-light); }

/* ── Buttons ──────────────────────────────────────── */
.btn {
  display: inline-block;
  padding: 0.8rem 1.9rem;
  border-radius: 3px;
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
  transition: all 0.2s;
  border: none;
  line-height: 1;
}

.btn--gold    { background: var(--gold); color: var(--navy); }
.btn--gold:hover { background: #b8942e; }

.btn--navy    { background: var(--navy); color: var(--cream); }
.btn--navy:hover { background: var(--navy-dark); }

.btn--outline {
  background: transparent;
  border: 2px solid currentColor;
  color: var(--navy);
}
.btn--outline:hover { background: var(--navy); color: var(--white); }

.btn--outline-light {
  background: transparent;
  border: 2px solid rgba(245,240,230,0.4);
  color: var(--cream);
}
.btn--outline-light:hover { border-color: var(--gold-light); color: var(--gold-light); }

/* ── Nav ──────────────────────────────────────────── */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 200;
  background: var(--cream);
  border-bottom: 1px solid rgba(30,47,77,0.1);
  padding: 0.9rem 2rem;
}

.nav__inner {
  max-width: 1100px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.nav__logo { height: 52px; width: auto; }

.nav__links {
  display: flex;
  align-items: center;
  gap: 2rem;
  list-style: none;
}

.nav__links a {
  color: var(--navy);
  font-size: 0.88rem;
  font-weight: 500;
  transition: color 0.2s;
  opacity: 0.75;
}
.nav__links a:hover,
.nav__links a.active { opacity: 1; color: var(--navy); }

.nav__links .nav__cta a {
  opacity: 1;
  background: var(--gold);
  color: var(--navy);
  padding: 0.5rem 1.2rem;
  border-radius: 3px;
  font-weight: 600;
}
.nav__links .nav__cta a:hover { background: #b8942e; }

/* ── Page Header (inner pages) ────────────────────── */
.page-header {
  background: var(--navy);
  padding: 8rem 2rem 4.5rem;
}

.page-header h1 { color: var(--white); }
.page-header .pullquote { color: rgba(245,240,230,0.75); margin-top: 1rem; }
.page-header .label { color: var(--gold-light); }

/* ── Hero ─────────────────────────────────────────── */
.hero {
  background: var(--navy);
  padding: 10rem 2rem 6.5rem;
  min-height: 94vh;
  display: flex;
  align-items: center;
}

.hero__inner { max-width: 820px; margin: 0 auto; }
.hero__rule  { width: 52px; height: 3px; background: var(--gold); margin-bottom: 2rem; }

.hero h1 { color: var(--white); margin-bottom: 1.5rem; }
.hero h1 em { font-style: normal; color: var(--gold-light); }

.hero__sub {
  font-size: 1.1rem;
  color: rgba(245,240,230,0.82);
  max-width: 680px;
  margin-bottom: 1rem;
}

.hero__cta   { display: flex; align-items: center; flex-wrap: wrap; gap: 1rem; margin-top: 2rem; }
.hero__cta-note { font-size: 0.85rem; color: rgba(245,240,230,0.5); }

/* ── Cards ────────────────────────────────────────── */
.card {
  background: var(--cream);
  border-top: 3px solid var(--gold);
  padding: 2rem 1.75rem;
}

.card--white { background: var(--white); }

.card h3 { margin-bottom: 0.65rem; }
.card p  { font-size: 0.94rem; color: var(--gray); line-height: 1.7; }

.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(290px, 1fr));
  gap: 1.75rem;
}

/* ── Pullquote Box ────────────────────────────────── */
.pullquote-box {
  border-left: 4px solid var(--gold);
  padding: 1.75rem 2rem;
  background: var(--white);
}

/* ── Steps ────────────────────────────────────────── */
.step {
  display: grid;
  grid-template-columns: 52px 1fr;
  gap: 1.5rem;
  padding: 2rem 0;
  border-bottom: 1px solid rgba(30,47,77,0.1);
}
.step:last-child { border-bottom: none; }

.step__num {
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--gold);
  padding-top: 0.1rem;
}

.step__tag {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--navy);
  background: rgba(201,168,76,0.18);
  border-radius: 2px;
  padding: 0.2rem 0.6rem;
  margin-bottom: 0.35rem;
  letter-spacing: 0.04em;
}

.step__body h3 { margin-bottom: 0.5rem; }
.step__body p  { font-size: 0.94rem; color: var(--gray); }

/* ── Checklist ────────────────────────────────────── */
.checklist { list-style: none; display: flex; flex-direction: column; gap: 0.9rem; }

.checklist li {
  display: flex;
  gap: 0.85rem;
  align-items: flex-start;
  font-size: 0.97rem;
}

.check-icon {
  flex-shrink: 0;
  width: 20px; height: 20px;
  border-radius: 50%;
  background: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 0.15rem;
}
.check-icon::after {
  content: '✓';
  font-size: 0.65rem;
  font-weight: 700;
  color: var(--navy);
}

.section--dark .checklist li { color: rgba(245,240,230,0.88); }

/* ── Note Box ─────────────────────────────────────── */
.note-box {
  padding: 1.5rem 2rem;
  background: rgba(201,168,76,0.12);
  border-left: 4px solid var(--gold);
  font-size: 0.94rem;
  color: var(--charcoal);
}

.note-box--dark {
  background: rgba(255,255,255,0.06);
  border-left-color: rgba(201,168,76,0.5);
  color: rgba(245,240,230,0.75);
}

/* ── Stat ─────────────────────────────────────────── */
.stat {
  font-size: 2.4rem;
  font-family: 'Playfair Display', serif;
  color: var(--gold);
  font-weight: 700;
  display: block;
  margin-bottom: 0.35rem;
}

/* ── About Grid ───────────────────────────────────── */
.about-grid {
  display: grid;
  grid-template-columns: 320px 1fr;
  gap: 5rem;
  align-items: start;
}

.about-photo-wrap { position: relative; }
.about-photo {
  width: 100%;
  aspect-ratio: 3/4;
  object-fit: cover;
  object-position: top;
}
.about-photo-accent {
  position: absolute;
  top: -12px; left: -12px;
  right: 12px; bottom: 12px;
  border: 3px solid var(--gold);
  z-index: -1;
}

.cred-box {
  margin-top: 1.75rem;
  padding: 1.25rem 1.5rem;
  background: var(--cream);
  border-top: 3px solid var(--gold);
}
.cred-box__title {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.75rem;
}
.cred-box ul { list-style: none; display: flex; flex-direction: column; gap: 0.45rem; }
.cred-box li {
  font-size: 0.87rem;
  color: var(--gray);
  padding-left: 1rem;
  position: relative;
}
.cred-box li::before { content: '—'; position: absolute; left: 0; color: var(--gold); }

/* ── Form ─────────────────────────────────────────── */
.form-card {
  background: var(--white);
  padding: 2.5rem;
  border-top: 4px solid var(--gold);
}

.form-card h3 { margin-bottom: 0.35rem; }
.form-note { font-size: 0.85rem; color: var(--gray); margin-bottom: 2rem; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }

.form-group { display: flex; flex-direction: column; gap: 0.4rem; margin-bottom: 1.25rem; }
.form-group label { font-size: 0.85rem; font-weight: 600; color: var(--charcoal); }

.form-group input,
.form-group select,
.form-group textarea {
  padding: 0.7rem 0.9rem;
  border: 1.5px solid #ddd;
  border-radius: 3px;
  font-family: 'Inter', sans-serif;
  font-size: 0.95rem;
  color: var(--charcoal);
  background: var(--white);
  transition: border-color 0.2s;
  outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { border-color: var(--navy); }
.form-group textarea { resize: vertical; min-height: 90px; }

.form-submit { display: flex; align-items: center; gap: 1.5rem; flex-wrap: wrap; margin-top: 0.5rem; }
.privacy-note { font-size: 0.8rem; color: var(--gray); }

/* ── FAQ ──────────────────────────────────────────── */
.faq-list { list-style: none; display: flex; flex-direction: column; gap: 0; }

.faq-item {
  border-bottom: 1px solid rgba(30,47,77,0.1);
  padding: 1.5rem 0;
}
.faq-item:first-child { border-top: 1px solid rgba(30,47,77,0.1); }

.faq-q {
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--navy);
  margin-bottom: 0.6rem;
}
.faq-a { font-size: 0.95rem; color: var(--gray); line-height: 1.7; }

/* ── Blog Cards ───────────────────────────────────── */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 2rem;
}

.blog-card {
  background: var(--white);
  display: flex;
  flex-direction: column;
}

.blog-card__body { padding: 1.75rem; flex: 1; display: flex; flex-direction: column; }
.blog-card__tag  { font-size: 0.72rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gold); margin-bottom: 0.75rem; }
.blog-card h3    { font-size: 1.1rem; margin-bottom: 0.6rem; line-height: 1.35; }
.blog-card p     { font-size: 0.9rem; color: var(--gray); flex: 1; }
.blog-card__link { display: inline-block; margin-top: 1.25rem; font-size: 0.85rem; font-weight: 600; color: var(--navy); border-bottom: 2px solid var(--gold); padding-bottom: 1px; }

/* ── Lead Magnet ──────────────────────────────────── */
.lead-magnet {
  background: var(--navy);
  padding: 2.5rem 3rem;
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 2rem;
  align-items: center;
  margin-bottom: 3.5rem;
}
.lead-magnet h3 { color: var(--white); font-size: 1.3rem; margin-bottom: 0.5rem; }
.lead-magnet p  { color: rgba(245,240,230,0.7); font-size: 0.92rem; }

/* ── Investment Table ─────────────────────────────── */
.invest-table { width: 100%; border-collapse: collapse; }
.invest-table th {
  text-align: left;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  padding: 0.75rem 1rem;
  border-bottom: 2px solid var(--gold);
}
.invest-table td {
  padding: 1rem;
  border-bottom: 1px solid rgba(30,47,77,0.1);
  font-size: 0.94rem;
  vertical-align: top;
}
.invest-table tr:last-child td { border-bottom: none; }
.invest-table td:first-child { font-weight: 600; color: var(--navy); }
.invest-table td:nth-child(2) { color: var(--gray); }
.invest-table td:last-child { font-weight: 700; color: var(--charcoal); white-space: nowrap; }

/* ── CTA Banner ───────────────────────────────────── */
.cta-banner {
  background: var(--navy);
  padding: 4.5rem 2rem;
  text-align: center;
}
.cta-banner h2 { color: var(--white); margin-bottom: 1rem; }
.cta-banner .pullquote { color: rgba(245,240,230,0.7); margin-bottom: 2rem; }

/* ── Footer ───────────────────────────────────────── */
.footer {
  background: var(--navy-dark);
  padding: 3rem 2rem;
  color: rgba(245,240,230,0.5);
  font-size: 0.85rem;
}
.footer__inner {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 2rem;
  align-items: start;
}
.footer__logo { height: 32px; width: auto; margin-bottom: 0.75rem; filter: brightness(0) invert(1); opacity: 0.85; }
.footer__tagline { font-size: 0.82rem; color: rgba(245,240,230,0.45); max-width: 220px; line-height: 1.5; }

.footer__nav-title {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold-light);
  margin-bottom: 0.75rem;
}
.footer__nav { list-style: none; display: flex; flex-direction: column; gap: 0.4rem; }
.footer__nav a { color: rgba(245,240,230,0.5); font-size: 0.85rem; transition: color 0.2s; }
.footer__nav a:hover { color: var(--gold-light); }

.footer__bottom {
  max-width: 1100px;
  margin: 2rem auto 0;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(245,240,230,0.08);
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 0.5rem;
  font-size: 0.8rem;
  color: rgba(245,240,230,0.3);
}
.footer__bottom a { color: rgba(245,240,230,0.4); }
.footer__bottom a:hover { color: var(--gold-light); }

/* ── Responsive ───────────────────────────────────── */
@media (max-width: 860px) {
  .nav__links { display: none; }
  .hero { padding: 7rem 1.5rem 4.5rem; min-height: auto; }
  .about-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .about-photo-wrap { max-width: 300px; }
  .about-photo-accent { display: none; }
  .footer__inner { grid-template-columns: 1fr 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .lead-magnet { grid-template-columns: 1fr; }
  .invest-table td:nth-child(2) { display: none; }
}

@media (max-width: 540px) {
  .container { padding: 0 1.25rem; }
  .section { padding: 3.5rem 0; }
  .footer__inner { grid-template-columns: 1fr; }
}