/* =========================================
   FinanceINME – Global Stylesheet
   Font: Outfit (headings) + Lora (body/accent)
   Theme: Deep Navy & Gold – Refined Professional
   ========================================= */

:root {
  --navy:       #0b1f3a;
  --navy-mid:   #12305a;
  --navy-light: #1a4880;
  --gold:       #c9a84c;
  --gold-light: #e6c97a;
  --white:      #ffffff;
  --off-white:  #f7f8fc;
  --text:       #1c2b3a;
  --text-muted: #607080;
  --border:     #dde4ef;
  --shadow:     0 4px 24px rgba(11,31,58,0.10);
  --shadow-lg:  0 12px 48px rgba(11,31,58,0.16);
  --radius:     10px;
  --radius-lg:  18px;
  --header-h:   68px;
  --transition: 0.22s ease;
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Lora', Georgia, serif;
  font-size: 16px;
  line-height: 1.7;
  color: var(--text);
  background: var(--off-white);
}
img { max-width: 100%; display: block; }
a { color: var(--navy-light); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--gold); }
ul { list-style: none; }
button { cursor: pointer; font-family: inherit; }

/* ── Typography ── */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Outfit', sans-serif;
  font-weight: 700;
  line-height: 1.2;
  color: var(--navy);
}
h1 { font-size: clamp(2rem, 4vw + 0.5rem, 3.2rem); }
h2 { font-size: clamp(1.5rem, 2.5vw + 0.5rem, 2.2rem); }
h3 { font-size: 1.3rem; }
h4 { font-size: 1rem; font-weight: 600; }
p { margin-bottom: 1rem; }

/* ─────────────────────────────
   HEADER / NAVIGATION
───────────────────────────── */
.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  height: var(--header-h);
  background: var(--navy);
  z-index: 1000;
  box-shadow: 0 2px 16px rgba(0,0,0,0.25);
}
.header-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 1.5rem;
  height: 100%;
  display: flex;
  align-items: center;
  gap: 1.5rem;
}

/* Logo */
.logo-link {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  flex-shrink: 0;
  text-decoration: none;
}
.logo-img {
  height: 38px;
  width: auto;
}
.logo-text {
  font-family: 'Outfit', sans-serif;
  font-size: 1.2rem;
  font-weight: 400;
  color: rgba(255,255,255,0.85);
  letter-spacing: 0.02em;
}
.logo-text strong {
  color: var(--gold);
  font-weight: 700;
}

/* Nav list */
.main-nav { margin-left: auto; }
.nav-list {
  display: flex;
  align-items: center;
  gap: 0.15rem;
}
.nav-item > a {
  display: block;
  padding: 0.5rem 0.85rem;
  font-family: 'Outfit', sans-serif;
  font-size: 0.9rem;
  font-weight: 500;
  color: rgba(255,255,255,0.82);
  border-radius: 6px;
  white-space: nowrap;
  transition: background var(--transition), color var(--transition);
}
.nav-item > a:hover,
.nav-item.active > a {
  background: rgba(255,255,255,0.1);
  color: var(--gold-light);
}

/* CTA nav button */
.btn-nav {
  background: var(--gold) !important;
  color: var(--navy) !important;
  font-weight: 700 !important;
  border-radius: 6px !important;
  padding: 0.45rem 1rem !important;
}
.btn-nav:hover {
  background: var(--gold-light) !important;
  color: var(--navy) !important;
}

/* Dropdown */
.has-dropdown { position: relative; }
.dropdown-toggle { display: flex; align-items: center; gap: 4px; }
.arrow { font-size: 0.7rem; transition: transform var(--transition); }
.has-dropdown:hover .arrow { transform: rotate(180deg); }

.dropdown {
  display: none;
  position: absolute;
  top: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%);
  min-width: 230px;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
  padding: 0.5rem 0;
  z-index: 200;
}
.has-dropdown:hover .dropdown,
.has-dropdown:focus-within .dropdown { display: block; }

.dropdown li a {
  display: block;
  padding: 0.6rem 1.2rem;
  font-family: 'Outfit', sans-serif;
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--text);
  transition: background var(--transition), color var(--transition);
}
.dropdown li a:hover {
  background: var(--off-white);
  color: var(--navy-light);
}

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  padding: 6px;
  margin-left: auto;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: white;
  border-radius: 2px;
  transition: all 0.3s;
}
.hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }

/* ─────────────────────────────
   PAGE MAIN
───────────────────────────── */
.page-main {
  padding-top: var(--header-h);
  min-height: calc(100vh - var(--header-h));
}

/* ─────────────────────────────
   PAGE HERO BANNER (shared)
───────────────────────────── */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 60%, var(--navy-light) 100%);
  padding: 4rem 1.5rem 3rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.page-hero h1 {
  color: var(--white);
  margin-bottom: 0.75rem;
  position: relative;
}
.page-hero p {
  color: rgba(255,255,255,0.75);
  font-size: 1.05rem;
  max-width: 580px;
  margin: 0 auto;
  position: relative;
}
.hero-badge {
  display: inline-block;
  background: var(--gold);
  color: var(--navy);
  font-family: 'Outfit', sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 0.3rem 0.9rem;
  border-radius: 20px;
  margin-bottom: 1rem;
}

/* ─────────────────────────────
   CONTENT CONTAINER
───────────────────────────── */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
}
.container-narrow {
  max-width: 800px;
  margin: 0 auto;
  padding: 0 1.5rem;
}
.section {
  padding: 3.5rem 1.5rem;
  max-width: 1200px;
  margin: 0 auto;
}
.section-center { text-align: center; }
.section-title {
  margin-bottom: 0.5rem;
}
.section-sub {
  color: var(--text-muted);
  font-size: 1rem;
  margin-bottom: 2rem;
}

/* Accent line under headings */
.underline-accent {
  display: inline-block;
  position: relative;
}
.underline-accent::after {
  content: '';
  position: absolute;
  bottom: -6px; left: 0;
  width: 48px; height: 3px;
  background: var(--gold);
  border-radius: 2px;
}

/* ─────────────────────────────
   CARDS
───────────────────────────── */
.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(270px, 1fr));
  gap: 1.5rem;
}
.card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 1.8rem;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  transition: transform var(--transition), box-shadow var(--transition);
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.card-icon {
  font-size: 2rem;
  margin-bottom: 0.8rem;
}
.card h3 { margin-bottom: 0.5rem; }
.card p { color: var(--text-muted); margin: 0; font-size: 0.95rem; }

/* ─────────────────────────────
   BUTTONS
───────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-family: 'Outfit', sans-serif;
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.7rem 1.6rem;
  border-radius: 8px;
  border: none;
  transition: all var(--transition);
  text-decoration: none;
  cursor: pointer;
}
.btn-primary {
  background: var(--navy);
  color: var(--white);
}
.btn-primary:hover {
  background: var(--navy-mid);
  color: var(--white);
  transform: translateY(-2px);
}
.btn-gold {
  background: var(--gold);
  color: var(--navy);
}
.btn-gold:hover {
  background: var(--gold-light);
  color: var(--navy);
  transform: translateY(-2px);
}
.btn-outline {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
}
.btn-outline:hover {
  background: var(--navy);
  color: var(--white);
}

/* ─────────────────────────────
   FORM ELEMENTS
───────────────────────────── */
.form-group {
  margin-bottom: 1.2rem;
}
.form-group label {
  display: block;
  font-family: 'Outfit', sans-serif;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--text);
  margin-bottom: 0.4rem;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  font-family: inherit;
  font-size: 0.95rem;
  color: var(--text);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--navy-light);
  box-shadow: 0 0 0 3px rgba(26,72,128,0.1);
}

/* ─────────────────────────────
   FOOTER
───────────────────────────── */
.site-footer {
  background: var(--navy);
  color: rgba(255,255,255,0.7);
  margin-top: 4rem;
}
.footer-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 3.5rem 1.5rem 2rem;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 2.5rem;
}
.footer-brand .logo-text {
  font-size: 1.1rem;
}
.footer-tagline {
  margin-top: 1rem;
  font-size: 0.9rem;
  line-height: 1.6;
  color: rgba(255,255,255,0.55);
}
.footer-col h4 {
  font-family: 'Outfit', sans-serif;
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold-light);
  margin-bottom: 1rem;
}
.footer-col ul li {
  margin-bottom: 0.55rem;
}
.footer-col ul li a {
  font-family: 'Outfit', sans-serif;
  font-size: 0.88rem;
  color: rgba(255,255,255,0.6);
  transition: color var(--transition);
}
.footer-col ul li a:hover {
  color: var(--gold-light);
}
.footer-logo {
  height: 36px;
}
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  text-align: center;
  padding: 1.2rem 1.5rem;
  font-family: 'Outfit', sans-serif;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.4);
}

/* ─────────────────────────────
   HOME PAGE SPECIFIC
───────────────────────────── */
.home-hero {
  min-height: 88vh;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, var(--navy) 0%, #102a50 50%, var(--navy-light) 100%);
  position: relative;
  overflow: hidden;
  text-align: center;
  padding: 5rem 1.5rem;
}
.home-hero::before {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='80' height='80' viewBox='0 0 80 80' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23c9a84c' fill-opacity='0.04' fill-rule='evenodd'%3E%3Cpath d='M0 0h40v40H0V0zm40 40h40v40H40V40zm0-40h2l-2 2V0zm0 4l4-4h2l-6 6V4zm0 4l8-8h2L40 10V8zm0 4L52 0h2L40 14v-2zm0 4L56 0h2L40 18v-2zm0 4L60 0h2L40 22v-2zm0 4L64 0h2L40 26v-2zm0 4L68 0h2L40 30v-2zm0 4L72 0h2L40 34v-2zm0 4L76 0h2L40 38v-2zm0 4L80 0v2L42 40h-2zm4 0L80 4v2L46 40h-2zm4 0L80 8v2L50 40h-2zm4 0l28-28v2L54 40h-2zm4 0l24-24v2L58 40h-2zm4 0l20-20v2L62 40h-2zm4 0l16-16v2L66 40h-2zm4 0l12-12v2L70 40h-2zm4 0l8-8v2l-6 6h-2zm4 0l4-4v2l-2 2h-2z'/%3E%3C/g%3E%3C/svg%3E");
}
.home-hero-content { position: relative; max-width: 800px; }
.home-hero h1 {
  color: var(--white);
  font-size: clamp(2.2rem, 5vw + 0.5rem, 4rem);
  font-weight: 800;
  margin-bottom: 1.2rem;
  line-height: 1.15;
}
.home-hero h1 span { color: var(--gold); }
.home-hero p {
  color: rgba(255,255,255,0.75);
  font-size: 1.15rem;
  margin-bottom: 2.2rem;
  max-width: 580px;
  margin-left: auto;
  margin-right: auto;
}
.hero-cta-group {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
}
.hero-stats {
  display: flex;
  justify-content: center;
  gap: 3rem;
  margin-top: 3.5rem;
  padding-top: 2.5rem;
  border-top: 1px solid rgba(255,255,255,0.12);
  flex-wrap: wrap;
  gap: 2rem;
}
.stat-item { text-align: center; }
.stat-number {
  font-family: 'Outfit', sans-serif;
  font-size: 2.2rem;
  font-weight: 800;
  color: var(--gold);
}
.stat-label {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.55);
  font-family: 'Outfit', sans-serif;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-top: 0.2rem;
}

/* Tools grid on home */
.tools-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.2rem;
}
.tool-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
  text-align: center;
  transition: transform var(--transition), box-shadow var(--transition);
  text-decoration: none;
  color: var(--text);
  display: block;
}
.tool-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
  color: var(--text);
  border-color: var(--gold);
}
.tool-card .icon { font-size: 2.4rem; margin-bottom: 0.7rem; }
.tool-card h3 {
  font-size: 1rem;
  margin-bottom: 0.4rem;
  color: var(--navy);
}
.tool-card p {
  font-size: 0.85rem;
  color: var(--text-muted);
  margin: 0;
}

/* CTA section */
.cta-section {
  background: linear-gradient(135deg, var(--navy-mid), var(--navy));
  padding: 4rem 1.5rem;
  text-align: center;
  margin-top: 3rem;
}
.cta-section h2 { color: var(--white); }
.cta-section p { color: rgba(255,255,255,0.7); max-width: 560px; margin: 0.8rem auto 2rem; }

/* ─────────────────────────────
   UTILITIES
───────────────────────────── */
.text-gold  { color: var(--gold); }
.text-muted { color: var(--text-muted); }
.text-center { text-align: center; }
.mt-1 { margin-top: 0.5rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mt-4 { margin-top: 2rem; }
.mb-1 { margin-bottom: 0.5rem; }
.mb-2 { margin-bottom: 1rem; }
.mb-3 { margin-bottom: 1.5rem; }
.mb-4 { margin-bottom: 2rem; }
.bg-white { background: var(--white); }
.bg-light  { background: var(--off-white); }

/* ─────────────────────────────
   RESPONSIVE
───────────────────────────── */
@media (max-width: 900px) {
  .footer-inner {
    grid-template-columns: 1fr 1fr;
  }
  .footer-brand { grid-column: 1 / -1; }
}

@media (max-width: 768px) {
  .hamburger { display: flex; }

  .main-nav {
    display: none;
    position: fixed;
    top: var(--header-h);
    left: 0; right: 0;
    background: var(--navy);
    padding: 1rem 0 2rem;
    box-shadow: 0 8px 24px rgba(0,0,0,0.3);
    overflow-y: auto;
    max-height: calc(100vh - var(--header-h));
  }
  .main-nav.open { display: block; }

  .nav-list {
    flex-direction: column;
    align-items: stretch;
    gap: 0;
  }
  .nav-item > a {
    padding: 0.9rem 1.5rem;
    border-radius: 0;
    font-size: 1rem;
    border-bottom: 1px solid rgba(255,255,255,0.07);
  }
  .btn-nav {
    margin: 0.5rem 1.5rem;
    text-align: center;
    border-radius: 8px !important;
    padding: 0.7rem 1.5rem !important;
  }
  .dropdown {
    position: static;
    transform: none;
    width: 100%;
    border-radius: 0;
    box-shadow: none;
    border: none;
    background: rgba(255,255,255,0.05);
    display: block;
  }
  .has-dropdown .dropdown { display: none; }
  .has-dropdown.mob-open .dropdown { display: block; }
  .dropdown li a {
    color: rgba(255,255,255,0.7);
    padding: 0.6rem 2.5rem;
    background: none;
  }
  .dropdown li a:hover {
    background: rgba(255,255,255,0.08);
    color: var(--gold-light);
  }
  .arrow { margin-left: auto; }
}

@media (max-width: 600px) {
  .footer-inner { grid-template-columns: 1fr; }
  .hero-stats { gap: 1.5rem; }
  .stat-number { font-size: 1.8rem; }
}