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

:root {
  --blue-dark:    #0A0E17;
  --blue-mid:     #0D1624;
  --blue-nav:     #3A6FA8;
  --blue-light:   #7CB2E8;
  --blue-pale:    #C8E0F8;
  --cream:        #F0EAD6;
  --cream-dim:    rgba(240,234,214,0.6);
  --cream-muted:  rgba(240,234,214,0.4);
  --border:       rgba(58,111,168,0.2);
  --border-faint: rgba(58,111,168,0.12);
  --font-serif:   'Playfair Display', Georgia, serif;
  --font-sans:    'DM Sans', system-ui, sans-serif;
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-serif);
  background: var(--blue-dark);
  color: var(--cream);
  line-height: 1.6;
}

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

/* ── Typography ── */
h1, h2, h3, h4 { font-family: var(--font-serif); font-weight: 400; }
p, span, li, label, input, textarea, button { font-family: var(--font-sans); }

/* ── Topbar ── */
.topbar {
  background: var(--blue-nav);
  display: flex; justify-content: space-between; align-items: center;
  padding: 7px 40px;
  font-family: var(--font-sans); font-size: 11px; color: #fff;
  font-weight: 600; letter-spacing: 0.06em;
}
.topbar a { color: var(--blue-pale); }

/* ── Nav ── */
.nav {
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 40px; height: 68px;
  background: #fff;
  border-bottom: 1px solid rgba(58,111,168,0.2);
  position: sticky; top: 0; z-index: 100;
}
.nav-logo img { height: 44px; width: auto; }

/* Hero logo (landing page only) */
.hero-logo-display {
  margin-bottom: 40px;
}
.hero-logo-display img {
  height: 100px;
  width: auto;
  max-width: 600px;
  display: block;
}

@media (max-width: 768px) {
  .hero-logo-display img { height: 60px; }
}
.nav-links { display: flex; gap: 24px; align-items: center; }
.nav-links a {
  color: #4A5D72; font-family: var(--font-sans);
  font-size: 11px; letter-spacing: 0.08em; text-transform: uppercase;
  transition: color 0.2s;
}
.nav-links a:hover, .nav-links a.active { color: var(--blue-nav); font-weight: 700; }
.nav-cta {
  background: var(--blue-nav); color: #fff;
  padding: 9px 20px; border-radius: 3px;
  font-family: var(--font-sans); font-size: 11px;
  font-weight: 700; letter-spacing: 0.09em; text-transform: uppercase;
  cursor: pointer; transition: background 0.2s;
}
.nav-cta:hover { background: #2d5a8e; }

/* ── Mobile nav toggle ── */
.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 4px; }
.nav-toggle span { display: block; width: 22px; height: 2px; background: #3A6FA8; margin: 5px 0; border-radius: 2px; transition: all 0.3s; }

/* ── Buttons ── */
.btn-primary {
  display: inline-block;
  background: var(--blue-nav); color: #fff;
  padding: 13px 28px; border-radius: 3px;
  font-family: var(--font-sans); font-size: 12px;
  font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase;
  cursor: pointer; transition: background 0.2s; border: none;
}
.btn-primary:hover { background: #2d5a8e; }

.btn-ghost {
  display: inline-block;
  border: 1px solid rgba(58,111,168,0.6); color: var(--blue-light);
  padding: 12px 28px; border-radius: 3px;
  font-family: var(--font-sans); font-size: 12px;
  letter-spacing: 0.1em; text-transform: uppercase;
  cursor: pointer; background: transparent; transition: all 0.2s;
}
.btn-ghost:hover { border-color: var(--blue-light); color: #fff; }

/* ── Section utilities ── */
.section { padding: 64px 40px; }
.section-label {
  color: var(--blue-light); font-family: var(--font-sans);
  font-size: 10px; letter-spacing: 0.22em; text-transform: uppercase;
  margin-bottom: 10px;
}
.section-title { font-size: 30px; color: var(--cream); margin-bottom: 10px; }
.section-sub {
  color: var(--cream-dim); font-family: var(--font-sans);
  font-size: 14px; line-height: 1.75; max-width: 560px; margin-bottom: 40px;
}
.divider { border: none; border-top: 1px solid var(--border-faint); margin: 0 40px; }

/* ── KPI Strip ── */
.kpi-strip { display: grid; grid-template-columns: repeat(4,1fr); background: var(--blue-nav); }
.kpi { padding: 24px 20px; text-align: center; border-right: 1px solid rgba(255,255,255,0.15); }
.kpi:last-child { border-right: none; }
.kpi-num { font-family: var(--font-serif); font-size: 30px; color: #fff; margin-bottom: 4px; }
.kpi-lbl { font-family: var(--font-sans); font-size: 10px; color: rgba(255,255,255,0.65); text-transform: uppercase; letter-spacing: 0.1em; font-weight: 700; }

/* ── Cards ── */
.cards-grid { display: grid; gap: 1px; background: var(--border-faint); }
.cards-3 { grid-template-columns: repeat(3,1fr); }
.cards-2 { grid-template-columns: repeat(2,1fr); }

.card {
  background: var(--blue-dark); padding: 28px 24px;
  transition: background 0.2s;
}
.card:hover { background: var(--blue-mid); }
.card-icon { font-size: 24px; color: var(--blue-light); margin-bottom: 14px; }
.card-title { font-family: var(--font-serif); font-size: 16px; color: var(--cream); margin-bottom: 8px; }
.card-text { font-family: var(--font-sans); font-size: 13px; color: var(--cream-dim); line-height: 1.65; }

/* ── CTA Band ── */
.cta-band {
  background: var(--blue-mid);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 64px 40px; text-align: center;
}
.cta-band h2 { font-size: 32px; color: var(--cream); margin-bottom: 14px; }
.cta-band p { color: var(--cream-dim); font-family: var(--font-sans); font-size: 15px; margin-bottom: 32px; max-width: 520px; margin-left: auto; margin-right: auto; }
.cta-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
.cta-note { font-family: var(--font-sans); font-size: 13px; color: rgba(124,178,232,0.6); margin-top: 18px; }
.cta-note strong { color: var(--blue-light); }

/* ── Footer ── */
.footer {
  background: #080C14;
  border-top: 1px solid var(--border-faint);
  padding: 48px 40px 28px;
}
.footer-top {
  display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 40px; margin-bottom: 40px;
  padding-bottom: 40px; border-bottom: 1px solid var(--border-faint);
}
.footer-logo { margin-bottom: 16px; display: inline-block; background: #ffffff; padding: 8px 16px; border-radius: 4px; }
.footer-logo img { height: 36px; width: auto; display: block; }
.footer-tagline { font-family: var(--font-sans); font-size: 13px; color: var(--cream-muted); line-height: 1.65; }
.footer-col h4 {
  font-family: var(--font-sans); font-size: 10px; font-weight: 700;
  letter-spacing: 0.18em; text-transform: uppercase;
  color: var(--blue-light); margin-bottom: 14px;
}
.footer-col a {
  display: block; font-family: var(--font-sans); font-size: 13px;
  color: var(--cream-muted); margin-bottom: 8px; transition: color 0.2s;
}
.footer-col a:hover { color: var(--cream); }
.footer-bottom {
  display: flex; justify-content: space-between; align-items: center;
  font-family: var(--font-sans); font-size: 12px; color: rgba(240,234,214,0.25);
}

/* ── Page Hero ── */
.hero {
  padding: 80px 40px 64px;
  background: var(--blue-dark);
  border-bottom: 1px solid var(--border);
  position: relative; overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute; top: -100px; right: -100px;
  width: 500px; height: 500px; border-radius: 50%;
  background: radial-gradient(circle, rgba(58,111,168,0.08) 0%, transparent 70%);
  pointer-events: none;
}
.hero-label { color: var(--blue-light); font-family: var(--font-sans); font-size: 11px; letter-spacing: 0.22em; text-transform: uppercase; margin-bottom: 20px; }
.hero h1 { font-size: 46px; line-height: 1.1; color: var(--cream); max-width: 600px; margin-bottom: 20px; }
.hero h1 em { color: var(--blue-light); font-style: normal; }
.hero-sub { color: var(--cream-dim); font-family: var(--font-sans); font-size: 16px; line-height: 1.75; max-width: 500px; margin-bottom: 40px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; align-items: center; }

/* ── Page hero (inner pages, smaller) ── */
.page-hero { padding: 56px 40px 48px; background: var(--blue-dark); border-bottom: 1px solid var(--border); }
.page-hero h1 { font-size: 36px; color: var(--cream); margin-bottom: 10px; }
.page-hero p { color: var(--cream-dim); font-family: var(--font-sans); font-size: 15px; max-width: 560px; line-height: 1.7; }

/* ── Deal Banner ── */
.deal-banner {
  background: var(--blue-mid); border: 1px solid rgba(58,111,168,0.4);
  padding: 32px; margin-bottom: 32px; position: relative; overflow: hidden;
}
.deal-banner::before {
  content: 'FEATURED OPPORTUNITY';
  position: absolute; top: 14px; right: 20px;
  font-family: var(--font-sans); font-size: 9px; letter-spacing: 0.2em; color: var(--blue-light); font-weight: 700;
}
.deal-grid { display: grid; grid-template-columns: 1fr 1fr 1fr 1fr auto; gap: 0; align-items: center; }
.deal-item { padding: 0 20px; border-right: 1px solid rgba(58,111,168,0.18); }
.deal-item:first-child { padding-left: 0; }
.deal-item:last-child { border-right: none; }
.deal-key { font-family: var(--font-sans); font-size: 10px; color: rgba(124,178,232,0.7); text-transform: uppercase; letter-spacing: 0.12em; margin-bottom: 6px; }
.deal-val { font-family: var(--font-serif); font-size: 24px; color: var(--cream); }
.deal-val.accent { color: var(--blue-light); }
.deal-tag { font-family: var(--font-sans); font-size: 11px; color: var(--cream-muted); margin-top: 3px; }

/* ── Compare table ── */
.compare-wrap { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; background: var(--border-faint); }
.compare-col { background: #0D1320; }
.compare-head { padding: 20px 24px; border-bottom: 1px solid rgba(58,111,168,0.15); }
.compare-head h3 { font-family: var(--font-serif); font-size: 16px; color: var(--cream); margin-bottom: 4px; }
.compare-head span { font-family: var(--font-sans); font-size: 12px; color: rgba(124,178,232,0.6); }
.compare-col.highlight .compare-head { background: rgba(58,111,168,0.1); }
.compare-row { display: flex; align-items: flex-start; gap: 10px; padding: 13px 24px; border-bottom: 1px solid rgba(58,111,168,0.07); }
.compare-row:last-child { border-bottom: none; }
.compare-row i { font-size: 15px; flex-shrink: 0; margin-top: 2px; }
.ti-check { color: var(--blue-light); }
.ti-x { color: rgba(240,234,214,0.2); }
.compare-row span { font-family: var(--font-sans); font-size: 12px; color: var(--cream-dim); line-height: 1.5; }
.compare-col.highlight .compare-row span { color: rgba(240,234,214,0.85); }

/* ── Highlight box ── */
.highlight-box {
  background: var(--blue-mid); border-left: 3px solid var(--blue-nav);
  padding: 24px 28px; margin-top: 28px; display: flex; gap: 20px; align-items: flex-start;
}
.highlight-box i { font-size: 28px; color: var(--blue-light); flex-shrink: 0; }
.highlight-box h3 { font-family: var(--font-serif); font-size: 16px; color: var(--cream); margin-bottom: 6px; }
.highlight-box p { font-family: var(--font-sans); font-size: 13px; color: var(--cream-dim); line-height: 1.65; }

/* ── IRA top banner ── */
.ira-top {
  display: flex; gap: 28px; align-items: center;
  background: var(--blue-mid);
  border-left: 5px solid var(--blue-nav);
  padding: 36px 40px;
  margin: 0;
}
.ira-top i { font-size: 52px; color: var(--blue-light); flex-shrink: 0; }
.ira-top h3 { font-family: var(--font-serif); font-size: 24px; color: var(--cream); margin-bottom: 10px; font-weight: 400; }
.ira-top p { font-family: var(--font-sans); font-size: 15px; color: var(--cream-dim); line-height: 1.7; max-width: 640px; }
@media (max-width: 768px) {
  .ira-top { flex-direction: column; padding: 28px 20px; gap: 16px; }
  .ira-top i { font-size: 36px; }
  .ira-top h3 { font-size: 20px; }
}

/* ── FAQ ── */
.faq-item { border-bottom: 1px solid var(--border-faint); padding: 24px 0; }
.faq-item:first-child { border-top: 1px solid var(--border-faint); }
.faq-q {
  font-family: var(--font-serif); font-size: 17px; color: var(--cream);
  cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 16px;
}
.faq-q i { color: var(--blue-light); font-size: 18px; flex-shrink: 0; transition: transform 0.3s; }
.faq-a { font-family: var(--font-sans); font-size: 14px; color: var(--cream-dim); line-height: 1.75; margin-top: 14px; max-width: 680px; display: none; }
.faq-item.open .faq-a { display: block; }
.faq-item.open .faq-q i { transform: rotate(45deg); }

/* ── Contact form ── */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
.form-group { margin-bottom: 20px; }
.form-group label { display: block; font-family: var(--font-sans); font-size: 11px; letter-spacing: 0.1em; text-transform: uppercase; color: var(--blue-light); margin-bottom: 8px; }
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%; background: var(--blue-mid); border: 1px solid rgba(58,111,168,0.3);
  border-radius: 3px; padding: 11px 14px; font-family: var(--font-sans); font-size: 14px;
  color: var(--cream); outline: none; transition: border-color 0.2s;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { border-color: var(--blue-nav); }
.form-group select option { background: var(--blue-mid); }
.form-group textarea { resize: vertical; min-height: 120px; }
.contact-info-item { display: flex; gap: 14px; align-items: flex-start; margin-bottom: 24px; }
.contact-info-item i { font-size: 20px; color: var(--blue-light); flex-shrink: 0; margin-top: 2px; }
.contact-info-item h4 { font-family: var(--font-sans); font-size: 11px; text-transform: uppercase; letter-spacing: 0.1em; color: var(--blue-light); margin-bottom: 4px; }
.contact-info-item p { font-family: var(--font-sans); font-size: 14px; color: var(--cream-dim); }

/* ── Blog posts ── */
.posts-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 16px; }
.post-card { background: var(--blue-mid); border: 1px solid rgba(58,111,168,0.15); padding: 24px; cursor: pointer; transition: border-color 0.2s; }
.post-card:hover { border-color: rgba(58,111,168,0.5); }
.post-tag { font-family: var(--font-sans); font-size: 9px; text-transform: uppercase; letter-spacing: 0.16em; color: var(--blue-light); margin-bottom: 10px; font-weight: 700; }
.post-card h3 { font-family: var(--font-serif); font-size: 15px; color: var(--cream); line-height: 1.4; margin-bottom: 10px; }
.post-read { font-family: var(--font-sans); font-size: 11px; color: rgba(124,178,232,0.6); }

/* ── About ── */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: start; }
.about-text p { font-family: var(--font-sans); font-size: 15px; color: var(--cream-dim); line-height: 1.8; margin-bottom: 20px; }
.about-text h2 { font-family: var(--font-serif); font-size: 28px; color: var(--cream); margin-bottom: 20px; }
.value-item { display: flex; gap: 16px; align-items: flex-start; margin-bottom: 24px; }
.value-item i { font-size: 22px; color: var(--blue-light); flex-shrink: 0; margin-top: 2px; }
.value-item h4 { font-family: var(--font-sans); font-size: 13px; font-weight: 700; color: var(--cream); margin-bottom: 4px; }
.value-item p { font-family: var(--font-sans); font-size: 13px; color: var(--cream-dim); line-height: 1.6; }

/* ── Steps ── */
.steps-list { list-style: none; }
.step-item { display: flex; gap: 20px; align-items: flex-start; margin-bottom: 32px; }
.step-num {
  width: 36px; height: 36px; border-radius: 50%; background: var(--blue-nav);
  color: #fff; font-family: var(--font-sans); font-size: 13px; font-weight: 700;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.step-item h3 { font-family: var(--font-serif); font-size: 17px; color: var(--cream); margin-bottom: 6px; }
.step-item p { font-family: var(--font-sans); font-size: 13px; color: var(--cream-dim); line-height: 1.65; }

/* ── Responsive ── */
@media (max-width: 768px) {
  .topbar { display: none; }
  .nav { padding: 0 20px; }
  .nav-links, .nav-cta { display: none; }
  .nav-links.open { display: flex; flex-direction: column; position: absolute; top: 68px; left: 0; right: 0; background: #fff; padding: 16px 20px; gap: 16px; box-shadow: 0 4px 20px rgba(0,0,0,0.1); z-index: 99; }
  .nav-cta.open { display: block; margin: 0 20px 16px; text-align: center; }
  .nav-toggle { display: block; }
  .section, .page-hero, .hero { padding: 40px 20px; }
  .divider { margin: 0 20px; }
  .hero h1 { font-size: 32px; }
  .cards-3 { grid-template-columns: 1fr; }
  .cards-2 { grid-template-columns: 1fr; }
  .kpi-strip { grid-template-columns: repeat(2,1fr); }
  .deal-grid { grid-template-columns: 1fr 1fr; gap: 16px; }
  .deal-item { padding: 0 0 16px; border-right: none; border-bottom: 1px solid rgba(58,111,168,0.18); }
  .deal-item:last-child { border-bottom: none; }
  .compare-wrap { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .about-grid { grid-template-columns: 1fr; }
  .posts-grid { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .footer-bottom { flex-direction: column; gap: 8px; text-align: center; }
}