/* ==========================================================================
   GLOBAL FINANCE BROKER — Design System
   Palette: Deep navy, muted gold, warm white, light grey
   Type: Fraunces (display) / Inter (body & UI)
   ========================================================================== */

:root{
  --navy:        #0A1628;
  --navy-2:      #10203B;
  --navy-3:      #14213D;
  --gold:        #B8935A;
  --gold-light:  #D4B483;
  --gold-dim:    rgba(184,147,90,0.35);
  --white:       #FFFFFF;
  --off-white:   #FAFAF8;
  --grey-100:    #F3F2EF;
  --grey-200:    #E7E5E0;
  --grey-400:    #B9B8B4;
  --grey-600:    #8B8D93;
  --ink:         #1A1D26;
  --ink-soft:    #454854;

  --font-display: 'Fraunces', Georgia, serif;
  --font-body:    'Inter', -apple-system, BlinkMacSystemFont, sans-serif;

  --container: 1240px;
  --gutter: clamp(24px, 5vw, 80px);

  --ease: cubic-bezier(0.22, 1, 0.36, 1);
  --dur-s: 0.4s;
  --dur-m: 0.7s;
  --dur-l: 1.1s;
}

*, *::before, *::after{ box-sizing: border-box; }
html{ scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior: auto; }
  *, *::before, *::after{ animation-duration: 0.01ms !important; animation-iteration-count: 1 !important; transition-duration: 0.01ms !important; scroll-behavior: auto !important; }
}

body{
  margin:0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--off-white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  line-height: 1.6;
}

img{ max-width: 100%; display:block; }
a{ color: inherit; text-decoration: none; }
button{ font-family: inherit; cursor: pointer; }
ul{ margin:0; padding:0; list-style:none; }
h1,h2,h3,h4,p{ margin:0; }

.container{
  max-width: var(--container);
  margin: 0 auto;
  padding-left: var(--gutter);
  padding-right: var(--gutter);
}

/* Accessible focus states */
a:focus-visible, button:focus-visible, input:focus-visible, textarea:focus-visible, summary:focus-visible{
  outline: 2px solid var(--gold);
  outline-offset: 3px;
}

.skip-link{
  position:absolute; left:-999px; top:0; z-index:200;
  background: var(--navy); color:var(--white);
  padding: 14px 22px; font-size:14px; letter-spacing:0.05em;
}
.skip-link:focus{ left: 16px; top:16px; }

/* ---------- Ledger line (signature scroll indicator) ---------- */
.ledger-progress{
  position: fixed; top:0; left:0; height:2px; width:100%;
  background: transparent; z-index: 999;
}
.ledger-progress::after{
  content:""; display:block; height:100%; width:var(--progress, 0%);
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transition: width 0.1s linear;
}

/* ---------- Eyebrow / labels ---------- */
.eyebrow{
  display:inline-flex; align-items:center; gap:14px;
  font-family: var(--font-body);
  font-size: 12px;
  letter-spacing: 0.32em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 600;
}
.eyebrow::before{
  content:""; width:28px; height:1px; background: var(--gold);
}
.on-dark .eyebrow{ color: var(--gold-light); }

/* ---------- Section rhythm ---------- */
section{ position:relative; }
.section-pad{ padding: clamp(72px, 11vw, 160px) 0; }
.section-head{
  max-width: 640px;
  margin-bottom: clamp(40px, 6vw, 76px);
}
.section-head h2{
  font-family: var(--font-display);
  font-weight: 400;
  font-size: clamp(32px, 4vw, 48px);
  letter-spacing: -0.01em;
  line-height: 1.15;
  margin-top: 18px;
  color: var(--navy);
}
.on-dark .section-head h2{ color: var(--white); }
.section-head p{
  margin-top: 18px;
  font-size: 17px;
  color: var(--ink-soft);
  max-width: 52ch;
}
.on-dark .section-head p{ color: var(--grey-400); }

.hairline{
  height:1px; width:100%;
  background: linear-gradient(90deg, transparent, var(--gold-dim) 20%, var(--gold-dim) 80%, transparent);
}

/* ---------- Reveal-on-scroll ---------- */
.reveal{
  opacity:0; transform: translateY(16px);
  transition: opacity var(--dur-m) var(--ease), transform var(--dur-m) var(--ease);
}
.reveal.is-visible{ opacity:1; transform:none; }
.reveal-stagger > *{ transition-delay: calc(var(--i, 0) * 90ms); }

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex; align-items:center; gap:12px;
  padding: 17px 34px;
  font-size: 13px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  font-weight: 600;
  border-radius: 2px;
  border: 1px solid transparent;
  transition: all var(--dur-s) var(--ease);
  white-space: nowrap;
}
.btn-gold{
  background: var(--gold);
  color: var(--navy);
}
.btn-gold:hover{ background: var(--gold-light); transform: translateY(-1px); }
.btn-outline{
  border-color: var(--gold-dim);
  color: var(--white);
  background: transparent;
}
.btn-outline:hover{ border-color: var(--gold); background: rgba(184,147,90,0.08); }
.btn-outline-dark{
  border-color: rgba(10,22,40,0.25);
  color: var(--navy);
}
.btn-outline-dark:hover{ border-color: var(--navy); background: rgba(10,22,40,0.04); }
.btn-arrow{ transition: transform var(--dur-s) var(--ease); }
.btn:hover .btn-arrow{ transform: translateX(4px); }

/* ==========================================================================
   HEADER / NAV
   ========================================================================== */
.site-header{
  position: fixed; top:0; left:0; right:0; z-index: 100;
  padding: 26px 0;
  transition: background var(--dur-s) var(--ease), padding var(--dur-s) var(--ease), box-shadow var(--dur-s) var(--ease);
}
.site-header.is-scrolled{
  padding: 16px 0;
  background: rgba(10,22,40,0.92);
  backdrop-filter: blur(10px);
  box-shadow: 0 1px 0 var(--gold-dim);
}
.site-header .container{
  display:flex; align-items:center; justify-content:space-between;
}
.brand{
  display:flex; align-items:center; gap:12px;
  color: var(--white);
}
.brand-mark{
  width:38px; height:38px; border:1px solid var(--gold);
  display:flex; align-items:center; justify-content:center;
  font-family: var(--font-display); font-size:15px; color: var(--gold-light);
  border-radius:1px;
}
.brand-text{ display:flex; flex-direction:column; line-height:1.15; }
.brand-name{ font-size:14px; letter-spacing:0.14em; font-weight:600; }
.brand-tag{ font-size:10px; letter-spacing:0.18em; color: var(--gold-light); text-transform:uppercase; margin-top:3px; }

.main-nav ul{ display:flex; gap:38px; }
.main-nav a{
  font-size:12.5px; letter-spacing:0.12em; text-transform:uppercase;
  color: rgba(255,255,255,0.82); font-weight:500;
  padding-bottom:4px; border-bottom:1px solid transparent;
  transition: color var(--dur-s) var(--ease), border-color var(--dur-s) var(--ease);
}
.main-nav a:hover{ color: var(--gold-light); border-color: var(--gold-dim); }

.nav-cta{ display:flex; align-items:center; gap:26px; }
.nav-cta .btn{ padding: 12px 24px; font-size:11.5px; }

.lang-switch{ position:relative; }
.lang-current{
  display:flex; align-items:center; gap:8px;
  background:none; border:1px solid rgba(255,255,255,0.28); color: var(--white);
  font-size:11.5px; letter-spacing:0.1em; padding: 9px 14px; border-radius:2px;
  transition: border-color var(--dur-s) var(--ease), color var(--dur-s) var(--ease);
}
.lang-current:hover{ border-color: var(--gold); color: var(--gold-light); }
.lang-caret{ width:9px; height:6px; transition: transform var(--dur-s) var(--ease); }
.lang-switch.is-open .lang-caret{ transform: rotate(180deg); }

.lang-menu{
  position:absolute; top: calc(100% + 10px); right:0; min-width:150px;
  background: var(--navy); border:1px solid rgba(255,255,255,0.14);
  box-shadow: 0 20px 50px rgba(6,10,20,0.35);
  opacity:0; visibility:hidden; transform: translateY(-6px);
  transition: opacity var(--dur-s) var(--ease), transform var(--dur-s) var(--ease), visibility var(--dur-s);
  z-index: 120;
}
.lang-switch.is-open .lang-menu{ opacity:1; visibility:visible; transform:none; }
.lang-menu li{ border-bottom:1px solid rgba(255,255,255,0.08); }
.lang-menu li:last-child{ border-bottom:none; }
.lang-menu button{
  width:100%; text-align:left; background:none; border:none;
  padding: 12px 16px; font-size:13px; color: rgba(255,255,255,0.75);
  transition: background var(--dur-s) var(--ease), color var(--dur-s) var(--ease);
}
.lang-menu button:hover{ background: rgba(184,147,90,0.12); color: var(--gold-light); }
.lang-menu button.is-active{ color: var(--gold-light); }
.lang-menu button.is-active::after{ content:" ✓"; }

.mobile-lang-row{ display:flex; gap:10px; margin-top:20px; flex-wrap:wrap; }
.mobile-lang-row button{
  background:none; border:1px solid rgba(255,255,255,0.24); color: rgba(255,255,255,0.75);
  font-size:12px; letter-spacing:0.08em; padding: 8px 13px; border-radius:2px;
}
.mobile-lang-row button.is-active{ border-color: var(--gold); color: var(--gold-light); }

.nav-toggle{
  display:none; background:none; border:none; width:34px; height:34px;
  position:relative;
}
.nav-toggle span{
  position:absolute; left:6px; right:6px; height:1px; background: var(--white);
  transition: transform var(--dur-s) var(--ease), opacity var(--dur-s) var(--ease);
}
.nav-toggle span:nth-child(1){ top:12px; }
.nav-toggle span:nth-child(2){ top:17px; }
.nav-toggle span:nth-child(3){ top:22px; }
.nav-open .nav-toggle span:nth-child(1){ transform: translateY(5px) rotate(45deg); }
.nav-open .nav-toggle span:nth-child(2){ opacity:0; }
.nav-open .nav-toggle span:nth-child(3){ transform: translateY(-5px) rotate(-45deg); }

/* ==========================================================================
   HERO
   ========================================================================== */
.hero{
  min-height: 100svh;
  display:flex; align-items:flex-end;
  position:relative;
  background:
    linear-gradient(180deg, rgba(6,13,25,0.55) 0%, rgba(6,13,25,0.72) 55%, rgba(6,13,25,0.94) 100%),
    url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?q=80&w=2400&auto=format&fit=crop') center/cover no-repeat;
  overflow:hidden;
}
.hero::before{
  content:""; position:absolute; inset:0;
  background: radial-gradient(120% 90% at 15% 0%, rgba(184,147,90,0.14), transparent 55%);
  pointer-events:none;
}
.hero-inner{
  position:relative; z-index:2;
  padding-bottom: clamp(64px, 10vw, 120px);
  padding-top: 180px;
  width:100%;
}
.hero-eyebrow{
  color: var(--gold-light); font-size:12px; letter-spacing:0.34em; text-transform:uppercase; font-weight:600;
  display:flex; align-items:center; gap:14px;
  opacity:0; animation: fadeUp 1s var(--ease) 0.15s forwards;
}
.hero-eyebrow::before{ content:""; width:40px; height:1px; background: var(--gold); }

.hero h1{
  font-family: var(--font-display);
  font-weight:300;
  color: var(--white);
  font-size: clamp(40px, 6.6vw, 92px);
  line-height: 1.03;
  letter-spacing: -0.015em;
  margin-top: 26px;
  max-width: 18ch;
  opacity:0; animation: fadeUp 1.1s var(--ease) 0.32s forwards;
}
.hero h1 em{ font-style: italic; color: var(--gold-light); }

.hero-sub{
  margin-top: 26px;
  font-size: clamp(16px, 1.6vw, 19px);
  color: rgba(255,255,255,0.82);
  max-width: 46ch;
  font-weight: 300;
  opacity:0; animation: fadeUp 1.1s var(--ease) 0.5s forwards;
}

.hero-actions{
  margin-top: 46px;
  display:flex; align-items:center; gap:28px; flex-wrap:wrap;
  opacity:0; animation: fadeUp 1.1s var(--ease) 0.68s forwards;
}
.hero-license{
  font-size:11.5px; color: rgba(255,255,255,0.55); letter-spacing:0.06em;
}

.hero-stats{
  position:relative; z-index:2;
  border-top: 1px solid rgba(255,255,255,0.14);
  margin-top: clamp(50px, 8vw, 90px);
}
.hero-stats .container{ display:grid; grid-template-columns: repeat(4,1fr); }
.hero-stat{
  padding: 26px 0 0;
  border-left: 1px solid rgba(255,255,255,0.14);
  padding-left: 28px;
}
.hero-stat:first-child{ border-left:none; padding-left:0; }
.hero-stat .num{
  font-family: var(--font-display); font-weight:400; color: var(--white);
  font-size: clamp(22px, 2.4vw, 30px);
}
.hero-stat .num span{ color: var(--gold-light); }
.hero-stat .label{
  margin-top:6px; font-size:11.5px; letter-spacing:0.08em; color: rgba(255,255,255,0.6);
}

@keyframes fadeUp{
  from{ opacity:0; transform: translateY(18px); }
  to{ opacity:1; transform:none; }
}

.scroll-cue{
  position:absolute; right: var(--gutter); bottom: 40px; z-index:2;
  display:flex; flex-direction:column; align-items:center; gap:10px;
  color: rgba(255,255,255,0.55); font-size:10.5px; letter-spacing:0.2em; text-transform:uppercase;
}
.scroll-cue .line{ width:1px; height:44px; background: rgba(255,255,255,0.3); position:relative; overflow:hidden; }
.scroll-cue .line::after{
  content:""; position:absolute; left:0; top:-100%; width:100%; height:100%;
  background: var(--gold);
  animation: scrollcue 2.2s ease-in-out infinite;
}
@keyframes scrollcue{ 0%{ top:-100%; } 60%{ top:100%; } 100%{ top:100%; } }

/* ==========================================================================
   ABOUT
   ========================================================================== */
.about{ background: var(--off-white); }
.about-grid{
  display:grid; grid-template-columns: 0.85fr 1.15fr; gap: clamp(40px,6vw,100px);
  align-items:center;
}
.about-media{ position:relative; }
.about-media img{
  width:100%; aspect-ratio: 4/5; object-fit:cover;
  filter: grayscale(8%);
}
.about-media-frame{
  position:absolute; inset: 18px -18px -18px 18px;
  border: 1px solid var(--gold-dim); z-index:-1;
}
.about-quote{
  position:absolute; left:-28px; bottom:-28px;
  background: var(--navy); color:var(--white);
  padding: 26px 30px; max-width: 260px;
  border-left: 2px solid var(--gold);
  box-shadow: 0 20px 50px rgba(10,22,40,0.25);
}
.about-quote p{ font-family: var(--font-display); font-style:italic; font-size:15px; line-height:1.5; }
.about-quote span{ display:block; margin-top:12px; font-size:10.5px; letter-spacing:0.12em; color: var(--gold-light); text-transform:uppercase; }

.about-copy .eyebrow{ margin-bottom:16px; }
.about-copy h2{
  font-family: var(--font-display); font-weight:400; color: var(--navy);
  font-size: clamp(30px, 3.6vw, 44px); line-height:1.18; letter-spacing:-0.01em;
}
.about-copy .lead{ margin-top:22px; font-size:17px; color: var(--ink-soft); max-width: 54ch; }
.about-copy .body-text{ margin-top:16px; font-size:15.5px; color: var(--ink-soft); max-width: 56ch; }

.about-values{
  margin-top: 40px;
  display:grid; grid-template-columns: repeat(2,1fr); gap: 26px 34px;
}
.value-item{ padding-top:18px; border-top: 1px solid var(--grey-200); }
.value-item h4{
  font-family: var(--font-display); font-size:18px; font-weight:500; color: var(--navy);
}
.value-item p{ margin-top:8px; font-size:14px; color: var(--grey-600); line-height:1.55; }

.about-signature{
  margin-top: 42px; display:flex; align-items:center; gap:20px;
}
.sig-name{ font-family: var(--font-display); font-size: 22px; font-style: italic; color: var(--navy); }
.sig-role{ font-size:11.5px; letter-spacing:0.1em; text-transform:uppercase; color: var(--grey-600); border-left:1px solid var(--grey-400); padding-left:20px; }

.credential-badge{
  margin-top: 34px; display:flex; align-items:center; gap:20px;
  padding: 20px 24px; background: var(--navy); border-left: 2px solid var(--gold);
  max-width: 460px;
}
.credential-num{
  font-family: var(--font-display); font-weight:300; font-size:40px; color: var(--gold-light); line-height:1;
}
.credential-text{ display:flex; flex-direction:column; gap:4px; }
.credential-text strong{ color: var(--white); font-size:14px; font-weight:600; letter-spacing:0.01em; }
.credential-text span{ color: rgba(255,255,255,0.55); font-size:12px; letter-spacing:0.02em; }

/* ==========================================================================
   SERVICES
   ========================================================================== */
.services{ background: var(--grey-100); }
.services-grid{
  display:grid; grid-template-columns: repeat(4, 1fr); gap:1px;
  background: var(--grey-200);
  border: 1px solid var(--grey-200);
}
.service-card{
  background: var(--off-white);
  padding: 44px 32px;
  transition: background var(--dur-s) var(--ease);
  display:flex; flex-direction:column; min-height: 340px;
}
.service-card:hover{ background: var(--white); }
.service-icon{
  width:46px; height:46px;
  color: var(--gold);
}
.service-num{
  margin-top:auto; padding-top:26px;
  font-family: var(--font-display); font-size:13px; color: var(--grey-400);
}
.service-card h3{
  font-family: var(--font-display); font-weight:500; font-size:20px; color:var(--navy);
  margin-top:22px; line-height:1.3;
}
.service-card p{ margin-top:12px; font-size:14px; color: var(--grey-600); line-height:1.6; }
.service-link{
  margin-top:18px; font-size:11.5px; letter-spacing:0.1em; text-transform:uppercase;
  color: var(--gold); display:inline-flex; align-items:center; gap:8px;
}

/* ==========================================================================
   WHY CHOOSE US (dark band)
   ========================================================================== */
.why{
  background: var(--navy);
  color: var(--white);
  position:relative;
}
.why::before{
  content:""; position:absolute; inset:0;
  background: radial-gradient(80% 60% at 100% 0%, rgba(184,147,90,0.10), transparent 60%);
}
.why-grid{
  display:grid; grid-template-columns: repeat(4,1fr);
  position:relative; z-index:1;
}
.why-item{
  padding: 0 34px 0 0;
  border-left: 1px solid rgba(255,255,255,0.12);
  padding-left: 34px;
}
.why-item:first-child{ border-left:none; padding-left:0; }
.why-item .why-num{
  font-family: var(--font-display); font-size:14px; color: var(--gold-light);
}
.why-item h3{
  font-family: var(--font-display); font-weight:400; font-size:22px;
  margin-top:20px; letter-spacing:-0.01em;
}
.why-item p{ margin-top:14px; font-size:14.5px; color: rgba(255,255,255,0.62); line-height:1.65; max-width:26ch; }

/* ==========================================================================
   PROCESS
   ========================================================================== */
.process{ background: var(--off-white); }
.timeline{
  position:relative;
  margin-top: 20px;
}
.timeline-track{
  position:absolute; left:0; right:0; top:19px; height:1px;
  background: linear-gradient(90deg, var(--gold-dim), var(--gold), var(--gold-dim));
}
.timeline-list{
  display:grid; grid-template-columns: repeat(5,1fr); gap: 24px;
  position:relative;
}
.timeline-item{ position:relative; padding-top:56px; }
.timeline-dot{
  position:absolute; top:0; left:0; width:38px; height:38px;
  border:1px solid var(--gold); border-radius:50%;
  display:flex; align-items:center; justify-content:center;
  background: var(--off-white);
  font-family: var(--font-display); color: var(--gold); font-size:14px;
  z-index:1;
}
.timeline-item h4{
  font-family: var(--font-display); font-weight:500; font-size:17px; color:var(--navy);
  line-height:1.3;
}
.timeline-item p{ margin-top:10px; font-size:13.5px; color: var(--grey-600); line-height:1.6; }

/* ==========================================================================
   CALCULATOR
   ========================================================================== */
.calculator{ background: var(--navy-3); color: var(--white); position:relative; overflow:hidden; }
.calculator::before{
  content:""; position:absolute; inset:0;
  background: radial-gradient(70% 60% at 0% 100%, rgba(184,147,90,0.10), transparent 60%);
}
.calc-panel{
  position:relative; z-index:1;
  display:grid; grid-template-columns: 1fr 1fr;
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.1);
}
.calc-inputs{ padding: clamp(32px,4vw,56px); border-right: 1px solid rgba(255,255,255,0.1); }
.calc-field{ margin-bottom: 30px; }
.calc-field:last-child{ margin-bottom:0; }
.calc-field-head{ display:flex; justify-content:space-between; align-items:baseline; margin-bottom:12px; }
.calc-field label{ font-size:11.5px; letter-spacing:0.12em; text-transform:uppercase; color: rgba(255,255,255,0.65); }
.calc-value{ font-family: var(--font-display); font-size:19px; color: var(--gold-light); }
input[type="range"]{
  -webkit-appearance:none; width:100%; height:1px; background: rgba(255,255,255,0.25); outline:none;
}
input[type="range"]::-webkit-slider-thumb{
  -webkit-appearance:none; width:16px; height:16px; border-radius:50%;
  background: var(--gold); border: 3px solid var(--navy-3); cursor:pointer;
  box-shadow: 0 0 0 1px var(--gold);
}
input[type="range"]::-moz-range-thumb{
  width:16px; height:16px; border-radius:50%; background: var(--gold); border: 3px solid var(--navy-3); cursor:pointer;
}
.calc-results{
  padding: clamp(32px,4vw,56px);
  display:flex; flex-direction:column; justify-content:center;
}
.calc-result-main{ padding-bottom: 26px; border-bottom: 1px solid rgba(255,255,255,0.12); }
.calc-result-main .label{ font-size:11.5px; letter-spacing:0.12em; text-transform:uppercase; color: rgba(255,255,255,0.6); }
.calc-result-main .amount{
  font-family: var(--font-display); font-weight:300; font-size: clamp(38px,4.2vw,56px); color:var(--white);
  margin-top:12px;
}
.calc-result-main .amount span{ font-size:18px; color: var(--gold-light); margin-left:6px; }
.calc-secondary{ display:grid; grid-template-columns:1fr 1fr; gap:20px; margin-top:26px; }
.calc-secondary .label{ font-size:11px; letter-spacing:0.1em; text-transform:uppercase; color: rgba(255,255,255,0.55); }
.calc-secondary .val{ font-family: var(--font-display); font-size:22px; margin-top:8px; color:var(--white); }
.calc-note{ margin-top:26px; font-size:12.5px; color: rgba(255,255,255,0.45); line-height:1.6; }
.calc-cta{ margin-top:28px; }

/* ==========================================================================
   TESTIMONIALS
   ========================================================================== */
.testimonials{ background: var(--grey-100); }
.testi-grid{ display:grid; grid-template-columns: repeat(3,1fr); gap: 28px; }
.testi-card{
  background: var(--off-white); padding: 40px 34px;
  border: 1px solid var(--grey-200);
  display:flex; flex-direction:column;
}
.testi-quote-mark{ font-family: var(--font-display); font-size:52px; color: var(--gold-dim); line-height:1; }
.testi-card p{ margin-top:10px; font-size:15px; color: var(--ink-soft); line-height:1.7; flex-grow:1; }
.testi-person{ display:flex; align-items:center; gap:14px; margin-top:26px; padding-top:22px; border-top:1px solid var(--grey-200); }
.testi-person img{ width:48px; height:48px; border-radius:50%; object-fit:cover; }
.testi-person .name{ font-size:14px; font-weight:600; color:var(--navy); }
.testi-person .role{ font-size:12px; color: var(--grey-600); margin-top:2px; }

/* ==========================================================================
   BLOG
   ========================================================================== */
.blog{ background: var(--grey-100); }
.blog-grid{ display:grid; grid-template-columns: repeat(3,1fr); gap: 28px; }
.blog-card{
  background: var(--off-white); border: 1px solid var(--grey-200);
  display:flex; flex-direction:column; overflow:hidden;
  transition: box-shadow var(--dur-s) var(--ease), transform var(--dur-s) var(--ease);
}
.blog-card:hover{ box-shadow: 0 24px 50px rgba(10,22,40,0.08); transform: translateY(-2px); }
.blog-card-media{ display:block; aspect-ratio: 16/10; overflow:hidden; }
.blog-card-media img{ width:100%; height:100%; object-fit:cover; transition: transform 0.6s var(--ease); }
.blog-card:hover .blog-card-media img{ transform: scale(1.04); }
.blog-card-body{ padding: 26px 28px 30px; display:flex; flex-direction:column; flex-grow:1; }
.blog-card-tag{
  font-size:10.5px; letter-spacing:0.14em; text-transform:uppercase; color: var(--gold);
  font-weight:600;
}
.blog-card-body h3{ margin-top:14px; }
.blog-card-body h3 a{
  font-family: var(--font-display); font-weight:500; font-size:19px; color: var(--navy);
  line-height:1.32; transition: color var(--dur-s) var(--ease);
}
.blog-card-body h3 a:hover{ color: var(--gold); }
.blog-card-body p{ margin-top:12px; font-size:14px; color: var(--grey-600); line-height:1.65; flex-grow:1; }
.blog-card-link{
  margin-top:20px; font-size:11.5px; letter-spacing:0.1em; text-transform:uppercase;
  color: var(--navy); display:inline-flex; align-items:center; gap:8px; font-weight:600;
}
.blog-card-link span[aria-hidden]{ transition: transform var(--dur-s) var(--ease); }
.blog-card-link:hover span[aria-hidden]{ transform: translateX(4px); }


.faq{ background: var(--off-white); }
.faq-list{ max-width: 820px; }
.faq-item{ border-bottom: 1px solid var(--grey-200); }
.faq-q{
  width:100%; display:flex; align-items:center; justify-content:space-between;
  background:none; border:none; text-align:left;
  padding: 26px 0; font-family: var(--font-display); font-size: 18px; color: var(--navy); font-weight:500;
}
.faq-q .plus{
  width:22px; height:22px; position:relative; flex-shrink:0; margin-left:20px;
}
.faq-q .plus::before, .faq-q .plus::after{
  content:""; position:absolute; background: var(--gold); transition: transform var(--dur-s) var(--ease);
}
.faq-q .plus::before{ left:0; top:50%; width:100%; height:1px; }
.faq-q .plus::after{ top:0; left:50%; height:100%; width:1px; }
.faq-item.is-open .faq-q .plus::after{ transform: rotate(90deg); }
.faq-a{
  max-height:0; overflow:hidden; transition: max-height var(--dur-m) var(--ease);
}
.faq-a-inner{ padding: 0 0 28px; font-size:15px; color: var(--ink-soft); line-height:1.7; max-width: 70ch; }

/* ==========================================================================
   CONTACT
   ========================================================================== */
.contact{ background: var(--navy); color: var(--white); }
.contact-grid{ display:grid; grid-template-columns: 1fr 1fr; gap: clamp(40px,6vw,90px); }
.contact-form{ display:flex; flex-direction:column; gap:22px; }
.form-row{ display:grid; grid-template-columns:1fr 1fr; gap:22px; }
.field{ display:flex; flex-direction:column; gap:8px; }
.field label{ font-size:11.5px; letter-spacing:0.1em; text-transform:uppercase; color: rgba(255,255,255,0.6); }
.field input, .field textarea{
  background: transparent; border:none; border-bottom:1px solid rgba(255,255,255,0.25);
  color: var(--white); font-family: var(--font-body); font-size:15px; padding: 10px 2px;
  transition: border-color var(--dur-s) var(--ease);
}
.field input::placeholder, .field textarea::placeholder{ color: rgba(255,255,255,0.32); }
.field input:focus, .field textarea:focus{ border-color: var(--gold); outline:none; }
.field textarea{ resize: vertical; min-height:110px; }
.form-note{ font-size:12px; color: rgba(255,255,255,0.45); line-height:1.6; }
.form-status{ font-size:13px; color: var(--gold-light); min-height:18px; }

.contact-info{ display:flex; flex-direction:column; }
.info-block{ padding: 22px 0; border-bottom:1px solid rgba(255,255,255,0.12); }
.info-block:first-child{ padding-top:0; }
.info-block .label{ font-size:11px; letter-spacing:0.12em; text-transform:uppercase; color: var(--gold-light); }
.info-block .value{ margin-top:10px; font-family: var(--font-display); font-size:19px; }
.map-frame{
  margin-top: 26px; border: 1px solid rgba(255,255,255,0.14); height: 220px; overflow:hidden; filter: grayscale(1) invert(0.92) contrast(0.92);
}
.map-frame iframe{ width:100%; height:100%; border:0; }

/* ==========================================================================
   FOOTER
   ========================================================================== */
.site-footer{ background: #070E1B; color: rgba(255,255,255,0.6); }
.footer-top{
  display:grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px;
  padding: 64px 0 48px;
}
.footer-brand .brand{ margin-bottom: 18px; }
.footer-brand p{ font-size:13.5px; line-height:1.7; max-width:34ch; color: rgba(255,255,255,0.45); }
.footer-tagline{
  margin-top:14px; font-family: var(--font-display); font-style:italic; font-size:14.5px;
  color: var(--gold-light) !important; max-width:30ch;
}
.footer-social{ display:flex; gap:14px; margin-top:22px; }
.footer-social a{
  width:36px; height:36px; border:1px solid rgba(255,255,255,0.18); border-radius:50%;
  display:flex; align-items:center; justify-content:center; transition: border-color var(--dur-s) var(--ease), color var(--dur-s) var(--ease);
}
.footer-social a:hover{ border-color: var(--gold); color: var(--gold-light); }
.footer-col h5{ font-size:11.5px; letter-spacing:0.14em; text-transform:uppercase; color: rgba(255,255,255,0.75); margin-bottom:18px; }
.footer-col ul{ display:flex; flex-direction:column; gap:12px; }
.footer-col a{ font-size:13.5px; color: rgba(255,255,255,0.5); transition: color var(--dur-s) var(--ease); }
.footer-col a:hover{ color: var(--gold-light); }
.footer-bottom{
  border-top:1px solid rgba(255,255,255,0.08);
  padding: 24px 0;
  display:flex; justify-content:space-between; align-items:center; flex-wrap:wrap; gap:14px;
  font-size:12px; color: rgba(255,255,255,0.35);
}
.footer-bottom .legal-links{ display:flex; gap:24px; }
.footer-bottom a:hover{ color: var(--gold-light); }

/* ==========================================================================
   BLOG POST PAGES
   ========================================================================== */
.post-header{
  padding: 22px 0; border-bottom: 1px solid var(--grey-200); background: var(--off-white);
}
.post-header .container{ display:flex; align-items:center; justify-content:space-between; }
.post-back{
  font-size:12px; letter-spacing:0.08em; text-transform:uppercase; color: var(--grey-600);
  display:flex; align-items:center; gap:8px; transition: color var(--dur-s) var(--ease);
}
.post-back:hover{ color: var(--gold); }

.post-hero{
  padding: clamp(56px,8vw,100px) 0 48px; background: var(--navy); color: var(--white); position:relative; overflow:hidden;
}
.post-hero::before{
  content:""; position:absolute; inset:0;
  background: radial-gradient(70% 60% at 100% 0%, rgba(184,147,90,0.12), transparent 60%);
}
.post-hero .container{ position:relative; z-index:1; max-width: 760px; }
.post-meta{
  display:flex; gap:18px; align-items:center; font-size:12px; letter-spacing:0.06em;
  color: rgba(255,255,255,0.55); margin-top:22px;
}
.post-hero h1{
  font-family: var(--font-display); font-weight:400; font-size: clamp(30px,4.4vw,48px);
  line-height:1.18; letter-spacing:-0.01em; margin-top:16px;
}
.post-hero .post-lead{ margin-top:18px; font-size:17px; color: rgba(255,255,255,0.72); line-height:1.6; max-width:60ch; }

.post-body{
  max-width: 720px; margin: 0 auto; padding: clamp(48px,7vw,80px) var(--gutter);
}
.post-body h2{
  font-family: var(--font-display); font-weight:500; font-size: clamp(22px,2.6vw,28px);
  color: var(--navy); margin-top:48px; margin-bottom:18px; letter-spacing:-0.005em;
}
.post-body h2:first-child{ margin-top:0; }
.post-body p{ font-size:16px; line-height:1.8; color: var(--ink-soft); margin-bottom:20px; }
.post-body ul{ margin: 0 0 20px; padding-left:0; }
.post-body li{
  font-size:16px; line-height:1.75; color: var(--ink-soft); padding-left:26px; position:relative; margin-bottom:12px;
}
.post-body li::before{
  content:""; position:absolute; left:0; top:11px; width:8px; height:1px; background: var(--gold);
}
.post-callout{
  margin: 34px 0; padding: 26px 30px; background: var(--grey-100); border-left: 2px solid var(--gold);
}
.post-callout p{ margin-bottom:0; font-size:15px; }
.post-callout strong{ color: var(--navy); }

.post-cta{
  margin-top: 52px; padding: 40px; background: var(--navy); color: var(--white); text-align:center;
}
.post-cta h3{ font-family: var(--font-display); font-weight:400; font-size:24px; }
.post-cta p{ margin-top:12px; color: rgba(255,255,255,0.65); font-size:14.5px; }
.post-cta .btn{ margin-top:22px; }

.post-footer-nav{
  border-top: 1px solid var(--grey-200); padding: 30px var(--gutter);
  display:flex; justify-content:center;
}
.post-footer-nav a{
  font-size:12px; letter-spacing:0.08em; text-transform:uppercase; color: var(--grey-600);
}
.post-footer-nav a:hover{ color: var(--gold); }

@media (max-width: 620px){
  .post-meta{ flex-wrap:wrap; row-gap:6px; }
}

/* ==========================================================================
   RESPONSIVE
   ========================================================================== */
@media (max-width: 1080px){
  .services-grid{ grid-template-columns: repeat(2,1fr); }
  .blog-grid{ grid-template-columns: repeat(2,1fr); }
  .why-grid{ grid-template-columns: repeat(2,1fr); row-gap:44px; }
  .why-item{ border-left:none; padding-left:0; }
  .why-item:nth-child(odd){ padding-right:24px; }
  .timeline-list{ grid-template-columns: repeat(3,1fr); row-gap:40px; }
  .timeline-track{ display:none; }
  .about-grid{ grid-template-columns: 1fr; }
  .about-media{ max-width:420px; margin: 0 auto 60px; }
}

@media (max-width: 860px){
  .main-nav, .nav-cta .btn-outline, .lang-switch{ display:none; }
  .nav-toggle{ display:block; }
  .hero-stats .container{ grid-template-columns: repeat(2,1fr); row-gap:22px; }
  .hero-stat:nth-child(3){ border-left:none; padding-left:0; }
  .calc-panel{ grid-template-columns:1fr; }
  .calc-inputs{ border-right:none; border-bottom:1px solid rgba(255,255,255,0.1); }
  .contact-grid{ grid-template-columns:1fr; }
  .form-row{ grid-template-columns:1fr; }
  .footer-top{ grid-template-columns: 1fr 1fr; }
}

@media (max-width: 620px){
  .services-grid{ grid-template-columns: 1fr; }
  .blog-grid{ grid-template-columns: 1fr; }
  .timeline-list{ grid-template-columns: 1fr 1fr; }
  .testi-grid{ grid-template-columns: 1fr; }
  .footer-top{ grid-template-columns: 1fr; }
  .about-values{ grid-template-columns: 1fr; }
  .about-quote{ position:static; margin-top:22px; }
  .about-media-frame{ display:none; }
}

/* Mobile nav drawer */
.nav-open .mobile-drawer{ transform: translateX(0); }
.mobile-drawer{
  position:fixed; top:0; right:0; bottom:0; width:min(340px,84vw);
  background: var(--navy); z-index:150;
  transform: translateX(100%);
  transition: transform var(--dur-m) var(--ease);
  padding: 100px 36px 40px;
  display:flex; flex-direction:column; gap:8px;
}
.mobile-drawer a{
  padding: 16px 0; border-bottom:1px solid rgba(255,255,255,0.1);
  font-size:14px; letter-spacing:0.08em; text-transform:uppercase; color: rgba(255,255,255,0.85);
}
.mobile-drawer .btn{ margin-top:24px; justify-content:center; }
.drawer-backdrop{
  position:fixed; inset:0; background: rgba(6,10,20,0.6); z-index:140;
  opacity:0; pointer-events:none; transition: opacity var(--dur-s) var(--ease);
}
.nav-open .drawer-backdrop{ opacity:1; pointer-events:auto; }