/* ============================================================
   FINANCIAL AGENCY GROUP — Global Stylesheet
   Palette: Ink Navy #0B1F35 · Navy #12294A · Gold #A9853C ·
            Gold Light #C6A75E · Ivory #F8F7F3 · White #FFFFFF
   Type:    Marcellus (display) · Figtree (body)
   ============================================================ */

:root{
  --ink:#0B1F35;
  --navy:#12294A;
  --navy-soft:#1B3A63;
  --gold:#A9853C;
  --gold-light:#C6A75E;
  --gold-pale:#EAE0C8;
  --ivory:#F8F7F3;
  --white:#FFFFFF;
  --line:#E3E1DA;
  --line-dark:rgba(198,167,94,.25);
  --text:#243447;
  --text-soft:#5A6B80;
  --text-inverse:#C9D4E2;
  --display:'Marcellus',serif;
  --body:'Figtree',system-ui,-apple-system,sans-serif;
  --max:1200px;
  --radius:2px;
  --shadow:0 18px 50px -18px rgba(11,31,53,.22);
  --dur:.7s;
  --ease:cubic-bezier(.22,.61,.36,1);
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:var(--body);
  font-size:17px;line-height:1.7;
  color:var(--text);
  background:var(--white);
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:var(--navy);text-decoration:none}
ul{list-style:none}

h1,h2,h3,.display{font-family:var(--display);font-weight:400;color:var(--ink);line-height:1.18}
h1{font-size:clamp(2.1rem,4.6vw,3.6rem);letter-spacing:.01em}
h2{font-size:clamp(1.7rem,3vw,2.5rem)}
h3{font-size:1.35rem}
h4{font-family:var(--body);font-weight:600;font-size:1.05rem;color:var(--ink)}

.container{max-width:var(--max);margin:0 auto;padding:0 24px}
.narrow{max-width:860px}

/* ---------- Eyebrow / labels ---------- */
.eyebrow{
  display:inline-flex;align-items:center;gap:12px;
  font-size:.78rem;font-weight:600;letter-spacing:.22em;text-transform:uppercase;
  color:var(--gold);margin-bottom:18px;
}
.eyebrow::before{content:"";width:34px;height:1px;background:var(--gold)}
.on-dark .eyebrow{color:var(--gold-light)}

/* ---------- Header ---------- */
.site-header{
  position:sticky;top:0;z-index:200;
  background:rgba(255,255,255,.96);
  backdrop-filter:blur(10px);
  border-bottom:1px solid var(--line);
  transition:box-shadow .3s var(--ease);
}
.site-header.scrolled{box-shadow:0 6px 24px -12px rgba(11,31,53,.18)}
.header-inner{
  max-width:1320px;margin:0 auto;padding:0 24px;
  display:flex;align-items:center;justify-content:space-between;
  height:86px;
}
.brand img{height:58px;width:auto;transition:height .3s var(--ease)}
.site-header.scrolled .brand img{height:48px}

.nav{display:flex;align-items:center;gap:6px}
.nav > li{position:relative}
.nav > li > a{
  display:block;padding:32px 15px;
  font-size:.92rem;font-weight:600;letter-spacing:.04em;color:var(--ink);
  border-bottom:2px solid transparent;
  transition:color .25s;
}
.nav > li > a:hover,.nav > li.active > a{color:var(--gold)}
.nav > li.active > a{border-bottom-color:var(--gold)}

.dropdown{
  position:absolute;top:100%;left:50%;transform:translate(-50%,10px);
  min-width:280px;background:var(--white);
  border:1px solid var(--line);border-top:3px solid var(--gold);
  box-shadow:var(--shadow);
  opacity:0;visibility:hidden;transition:all .28s var(--ease);
  padding:12px 0;
}
.nav > li:hover .dropdown,.nav > li:focus-within .dropdown{
  opacity:1;visibility:visible;transform:translate(-50%,0);
}
.dropdown a{
  display:block;padding:10px 26px;font-size:.92rem;color:var(--text);
  transition:all .2s;
}
.dropdown a:hover{background:var(--ivory);color:var(--gold);padding-left:32px}
.dropdown .dd-label{
  padding:10px 26px 4px;font-size:.7rem;font-weight:700;letter-spacing:.2em;
  text-transform:uppercase;color:var(--text-soft);
}

.header-cta{
  font-size:.85rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;
  color:var(--white)!important;background:var(--navy);
  padding:13px 26px!important;border-bottom:none!important;
  transition:background .25s!important;
}
.header-cta:hover{background:var(--gold)!important;color:var(--white)!important}

/* Mobile nav */
.nav-toggle{display:none;background:none;border:0;cursor:pointer;padding:8px}
.nav-toggle span{display:block;width:26px;height:2px;background:var(--ink);margin:6px 0;transition:.3s}
@media(max-width:1080px){
  .nav-toggle{display:block}
  .nav{
    position:fixed;inset:86px 0 0 0;background:var(--white);
    flex-direction:column;align-items:stretch;gap:0;
    padding:20px 24px 60px;overflow-y:auto;
    transform:translateX(100%);transition:transform .35s var(--ease);
  }
  .nav.open{transform:translateX(0)}
  .nav > li > a{padding:16px 4px;border-bottom:1px solid var(--line);font-size:1.05rem}
  .dropdown{
    position:static;transform:none;opacity:1;visibility:visible;
    border:0;box-shadow:none;display:none;padding:0 0 8px;
  }
  .nav > li.open-sub .dropdown{display:block}
  .dropdown a{padding:10px 18px}
  .header-cta{margin-top:18px;text-align:center}
  body.nav-locked{overflow:hidden}
}

/* ---------- Hero (dark) ---------- */
.hero{
  position:relative;overflow:hidden;
  background:linear-gradient(160deg,var(--ink) 0%,var(--navy) 58%,#16345C 100%);
  color:var(--text-inverse);
}
.hero .container{position:relative;z-index:2}
.hero h1{color:var(--white)}
.hero-home{min-height:88vh;display:flex;align-items:center;padding:90px 0}
.hero-home .lede{max-width:620px}
.hero .kicker{
  font-size:.8rem;font-weight:600;letter-spacing:.3em;text-transform:uppercase;
  color:var(--gold-light);margin-bottom:22px;display:flex;align-items:center;gap:14px;
}
.hero .kicker::before{content:"";width:44px;height:1px;background:var(--gold-light)}
.hero p.sub{font-size:1.15rem;line-height:1.75;margin:26px 0 38px;max-width:560px}
.hero-svg{position:absolute;inset:0;width:100%;height:100%;z-index:1;pointer-events:none}

/* Page hero (interior) */
.page-hero{padding:110px 0 90px;position:relative;overflow:hidden}
.page-hero p.sub{font-size:1.12rem;max-width:680px;margin-top:22px}
.breadcrumb{font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-light);margin-bottom:26px}
.breadcrumb a{color:var(--gold-light);opacity:.75}
.breadcrumb a:hover{opacity:1}
.breadcrumb span{opacity:.5;margin:0 8px}

/* ---------- Buttons ---------- */
.btn{
  display:inline-block;padding:16px 36px;
  font-size:.86rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;
  border:1px solid transparent;cursor:pointer;transition:all .3s var(--ease);
}
.btn-gold{background:var(--gold);color:var(--white)}
.btn-gold:hover{background:var(--gold-light);transform:translateY(-2px)}
.btn-outline-light{border-color:rgba(255,255,255,.4);color:var(--white)}
.btn-outline-light:hover{border-color:var(--gold-light);color:var(--gold-light)}
.btn-navy{background:var(--navy);color:var(--white)}
.btn-navy:hover{background:var(--gold)}
.btn-outline{border-color:var(--navy);color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:var(--white)}
.btn-row{display:flex;gap:16px;flex-wrap:wrap}

.text-link{
  font-weight:600;font-size:.92rem;letter-spacing:.03em;color:var(--gold);
  display:inline-flex;align-items:center;gap:8px;
}
.text-link::after{content:"→";transition:transform .25s}
.text-link:hover::after{transform:translateX(5px)}

/* ---------- Sections ---------- */
.section{padding:100px 0}
.section.tight{padding:70px 0}
.section.ivory{background:var(--ivory)}
.section.dark{background:linear-gradient(160deg,var(--ink),var(--navy));color:var(--text-inverse)}
.section.dark h2,.section.dark h3{color:var(--white)}
.section-head{max-width:760px;margin-bottom:56px}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}
.section-head.center .eyebrow{justify-content:center}
.section-head.center .eyebrow::before{display:none}
.section-head p{margin-top:18px;color:var(--text-soft);font-size:1.05rem}
.section.dark .section-head p{color:var(--text-inverse)}

/* ---------- Grids & cards ---------- */
.grid{display:grid;gap:28px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
@media(max-width:960px){.grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}

.card{
  background:var(--white);border:1px solid var(--line);
  padding:40px 34px;position:relative;
  transition:transform .35s var(--ease),box-shadow .35s var(--ease),border-color .35s;
}
.card::before{
  content:"";position:absolute;top:0;left:0;width:0;height:3px;
  background:var(--gold);transition:width .4s var(--ease);
}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:transparent}
.card:hover::before{width:100%}
.card h3{margin:18px 0 12px;font-size:1.25rem}
.card p{color:var(--text-soft);font-size:.98rem}
.card .text-link{margin-top:20px}
.card-icon{width:46px;height:46px;color:var(--gold)}
.card-icon svg{width:100%;height:100%}

.section.dark .card{background:rgba(255,255,255,.04);border-color:rgba(255,255,255,.12)}
.section.dark .card h3{color:var(--white)}
.section.dark .card p{color:var(--text-inverse)}

/* ---------- Stat band ---------- */
.stats{
  display:grid;grid-template-columns:repeat(4,1fr);gap:2px;
  background:var(--line-dark);
}
@media(max-width:860px){.stats{grid-template-columns:repeat(2,1fr)}}
.stat{background:var(--navy);padding:48px 30px;text-align:center}
.stat .num{
  font-family:var(--display);font-size:2.6rem;color:var(--gold-light);
  line-height:1;display:block;
}
.stat .lbl{
  margin-top:12px;display:block;font-size:.82rem;letter-spacing:.14em;
  text-transform:uppercase;color:var(--text-inverse);
}

/* ---------- Split layout ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}
@media(max-width:900px){.split{grid-template-columns:1fr;gap:44px}}
.split .visual{position:relative}
.split .visual svg{width:100%;height:auto;display:block}
.frame{
  border:1px solid var(--line);padding:14px;background:var(--white);
  box-shadow:var(--shadow);
}
.section.dark .frame,.section.ivory .frame{background:var(--white)}

/* ---------- Process / steps ---------- */
.steps{position:relative;counter-reset:step}
.step{
  display:grid;grid-template-columns:76px 1fr;gap:28px;
  padding:34px 0;border-bottom:1px solid var(--line);
  counter-increment:step;
}
.step:last-child{border-bottom:none}
.step .no::before{
  content:"0" counter(step);
  font-family:var(--display);font-size:1.9rem;color:var(--gold);
}
.step h3{font-size:1.2rem;margin-bottom:8px}
.step p{color:var(--text-soft);font-size:.98rem;max-width:720px}
.section.dark .step{border-color:rgba(255,255,255,.12)}
.section.dark .step p{color:var(--text-inverse)}

/* ---------- Prose ---------- */
.prose h2{margin:52px 0 20px}
.prose h3{margin:38px 0 14px}
.prose p{margin-bottom:20px;color:var(--text)}
.prose ul{list-style:none;margin:0 0 24px}
.prose ul li{
  padding:9px 0 9px 30px;position:relative;color:var(--text);
}
.prose ul li::before{
  content:"";position:absolute;left:0;top:19px;width:14px;height:1px;background:var(--gold);
}
.prose strong{color:var(--ink)}

/* ---------- Tables ---------- */
.tbl-wrap{overflow-x:auto;border:1px solid var(--line)}
table.tbl{width:100%;border-collapse:collapse;font-size:.95rem;min-width:640px}
.tbl th{
  background:var(--navy);color:var(--white);text-align:left;
  padding:16px 20px;font-weight:600;letter-spacing:.05em;font-size:.85rem;text-transform:uppercase;
}
.tbl td{padding:15px 20px;border-bottom:1px solid var(--line);vertical-align:top;color:var(--text)}
.tbl tr:nth-child(even) td{background:var(--ivory)}

/* ---------- Accordion (FAQ) ---------- */
.acc{border:1px solid var(--line);border-bottom:none}
.acc-item{border-bottom:1px solid var(--line)}
.acc-q{
  width:100%;background:var(--white);border:0;cursor:pointer;
  display:flex;justify-content:space-between;align-items:center;gap:20px;
  padding:24px 28px;text-align:left;
  font-family:var(--body);font-size:1.05rem;font-weight:600;color:var(--ink);
  transition:background .25s;
}
.acc-q:hover{background:var(--ivory)}
.acc-q .chev{
  flex:none;width:22px;height:22px;color:var(--gold);
  transition:transform .3s var(--ease);
}
.acc-item.open .acc-q .chev{transform:rotate(45deg)}
.acc-a{max-height:0;overflow:hidden;transition:max-height .45s var(--ease)}
.acc-a-in{padding:0 28px 26px;color:var(--text-soft);font-size:.98rem}
.acc-a-in p{margin-bottom:14px}
.acc-a-in p:last-child{margin-bottom:0}

/* ---------- CTA band ---------- */
.cta-band{
  background:linear-gradient(120deg,var(--ink),var(--navy) 70%);
  position:relative;overflow:hidden;
}
.cta-band .container{
  position:relative;z-index:2;padding-top:90px;padding-bottom:90px;
  display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:34px;
}
.cta-band h2{color:var(--white);max-width:620px}
.cta-band p{color:var(--text-inverse);margin-top:14px;max-width:560px}
.cta-gold-arc{
  position:absolute;right:-140px;top:-140px;width:520px;height:520px;
  border:1px solid var(--line-dark);border-radius:50%;
}
.cta-gold-arc::after{
  content:"";position:absolute;inset:60px;border:1px solid var(--line-dark);border-radius:50%;
}

/* ---------- Footer ---------- */
.site-footer{background:var(--ink);color:var(--text-inverse);font-size:.93rem}
.footer-top{
  display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:50px;
  padding:80px 0 60px;border-bottom:1px solid rgba(255,255,255,.1);
}
@media(max-width:960px){.footer-top{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.footer-top{grid-template-columns:1fr}}
.footer-top img{height:64px;width:auto;margin-bottom:24px}
.footer-top h4{
  color:var(--gold-light);font-size:.8rem;letter-spacing:.2em;
  text-transform:uppercase;margin-bottom:20px;
}
.footer-top a{display:block;padding:6px 0;color:var(--text-inverse);transition:color .2s}
.footer-top a:hover{color:var(--gold-light)}
.footer-legal{
  padding:28px 0;display:flex;flex-wrap:wrap;gap:10px 30px;
  justify-content:space-between;align-items:center;font-size:.82rem;
  color:#7E8FA5;
}
.footer-legal a{color:#7E8FA5}
.footer-legal a:hover{color:var(--gold-light)}
.footer-disclaimer{
  padding:34px 0 10px;font-size:.8rem;line-height:1.7;color:#7E8FA5;
  border-bottom:1px solid rgba(255,255,255,.08);
}

/* ---------- Forms ---------- */
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}
@media(max-width:640px){.form-grid{grid-template-columns:1fr}}
.field{display:flex;flex-direction:column;gap:8px}
.field.full{grid-column:1/-1}
.field label{font-size:.85rem;font-weight:600;letter-spacing:.05em;color:var(--ink)}
.field input,.field select,.field textarea{
  font-family:var(--body);font-size:1rem;color:var(--ink);
  padding:14px 16px;border:1px solid var(--line);background:var(--white);
  transition:border-color .25s;
}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--gold);
}
.field textarea{min-height:150px;resize:vertical}
.form-note{font-size:.85rem;color:var(--text-soft);margin-top:16px}

/* ---------- Reveal animations ---------- */
.reveal{opacity:0;transform:translateY(28px);transition:opacity var(--dur) var(--ease),transform var(--dur) var(--ease)}
.reveal.d1{transition-delay:.12s}.reveal.d2{transition-delay:.24s}.reveal.d3{transition-delay:.36s}
.reveal.in{opacity:1;transform:none}
.reveal-line{
  opacity:0;transform:scaleX(0);transform-origin:left;
  transition:opacity var(--dur) var(--ease),transform var(--dur) var(--ease);
}
.reveal-line.in{opacity:1;transform:scaleX(1)}

@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation:none!important;transition:none!important}
  .reveal,.reveal-line{opacity:1;transform:none}
  html{scroll-behavior:auto}
}

/* ---------- Utility ---------- */
.mt-0{margin-top:0}.mt-30{margin-top:30px}.mt-50{margin-top:50px}.mt-70{margin-top:70px}
.gold{color:var(--gold)}
.center{text-align:center}
.divider-gold{width:60px;height:2px;background:var(--gold);margin:26px 0}
.small-note{font-size:.85rem;color:var(--text-soft)}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}

/* ---------- Intro logo reveal (homepage, once per session) ---------- */
.intro{
  position:fixed;inset:0;z-index:999;
  background:linear-gradient(160deg,var(--ink) 0%,var(--navy) 100%);
  display:flex;flex-direction:column;align-items:center;justify-content:center;gap:26px;
  opacity:1;transition:opacity .55s ease .95s, visibility 0s 1.6s;
}
.intro img{
  width:min(300px,58vw);height:auto;
  opacity:0;transform:scale(.92);
  animation:introLogo .8s cubic-bezier(.22,.61,.36,1) .1s forwards;
}
.intro .intro-line{
  width:0;height:1px;background:var(--gold-light);
  animation:introLine .7s cubic-bezier(.22,.61,.36,1) .45s forwards;
}
@keyframes introLogo{to{opacity:1;transform:scale(1)}}
@keyframes introLine{to{width:min(220px,42vw)}}
.intro.done{opacity:0;visibility:hidden;pointer-events:none}
.intro.skip{display:none}
@media (prefers-reduced-motion:reduce){.intro{display:none}}