/* =============================================
   GLOBAL DESIGN SYSTEM
   Professional Financial Services
   Colors: Navy, Gold, White
============================================= */

:root {
  --navy:       #1a2e5a;
  --navy-dark:  #111e3d;
  --navy-light: #243f7a;
  --gold:       #c9a84c;
  --gold-light: #e0c06a;
  --gold-pale:  #f9f3e3;
  --white:      #ffffff;
  --gray-50:    #f8f9fb;
  --gray-100:   #eef0f4;
  --gray-300:   #c4c9d4;
  --gray-600:   #5a6275;
  --gray-800:   #2c3244;
  --text:       #1e2533;
  --radius:     6px;
  --shadow-sm:  0 2px 8px rgba(26,46,90,0.08);
  --shadow-md:  0 6px 24px rgba(26,46,90,0.13);
  --shadow-lg:  0 12px 48px rgba(26,46,90,0.18);
  --transition: 0.25s ease;
  --max-width:  1140px;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: 'Georgia', 'Times New Roman', serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.7;
  font-size: 16px;
}

img { max-width: 100%; display: block; }

a { color: var(--gold); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--gold-light); }

h1, h2, h3, h4, h5 {
  font-family: 'Georgia', serif;
  color: var(--navy);
  line-height: 1.25;
  font-weight: 700;
}

h1 { font-size: clamp(2rem, 4vw, 3rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); }
h3 { font-size: clamp(1.2rem, 2vw, 1.5rem); }
h4 { font-size: 1.1rem; }

p { margin-bottom: 1rem; color: var(--gray-600); }
p:last-child { margin-bottom: 0; }

/* ---- Layout ---- */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

section { padding: 80px 0; }

.section-label {
  display: inline-block;
  font-family: 'Arial', sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}

.section-title {
  margin-bottom: 16px;
}

.section-subtitle {
  font-size: 1.1rem;
  color: var(--gray-600);
  max-width: 620px;
  margin-bottom: 48px;
}

.text-center { text-align: center; }
.text-center .section-subtitle { margin-left: auto; margin-right: auto; }

/* ---- Buttons ---- */
.btn {
  display: inline-block;
  padding: 14px 32px;
  border-radius: var(--radius);
  font-family: 'Arial', sans-serif;
  font-size: 0.95rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  cursor: pointer;
  transition: all var(--transition);
  border: 2px solid transparent;
  text-align: center;
}

.btn-primary {
  background: var(--gold);
  color: var(--navy-dark);
  border-color: var(--gold);
}
.btn-primary:hover {
  background: var(--gold-light);
  border-color: var(--gold-light);
  color: var(--navy-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.6);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.1);
  border-color: var(--white);
  color: var(--white);
}

.btn-navy {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-navy:hover {
  background: var(--navy-light);
  border-color: var(--navy-light);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

/* ---- Navigation ---- */
.site-nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--navy-dark);
  box-shadow: 0 2px 16px rgba(0,0,0,0.25);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

.nav-logo {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}
.nav-logo .logo-main {
  font-family: 'Georgia', serif;
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: 0.02em;
}
.nav-logo .logo-sub {
  font-family: 'Arial', sans-serif;
  font-size: 0.65rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
}

.nav-links {
  display: flex;
  gap: 8px;
  list-style: none;
  align-items: center;
}

.nav-links a {
  font-family: 'Arial', sans-serif;
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  color: rgba(255,255,255,0.8);
  padding: 8px 14px;
  border-radius: var(--radius);
  transition: all var(--transition);
}
.nav-links a:hover, .nav-links a.active {
  color: var(--white);
  background: rgba(255,255,255,0.08);
}

.nav-links .nav-cta a {
  background: var(--gold);
  color: var(--navy-dark);
  padding: 8px 20px;
}
.nav-links .nav-cta a:hover {
  background: var(--gold-light);
  color: var(--navy-dark);
}

/* Mobile nav toggle */
.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  flex-direction: column;
  gap: 5px;
  padding: 4px;
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--transition);
}

/* ---- Hero ---- */
.hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 60%, #1e3d7a 100%);
  padding: 100px 0 80px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -60px; right: -60px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(201,168,76,0.12) 0%, transparent 70%);
  border-radius: 50%;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -80px; left: 10%;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(255,255,255,0.04) 0%, transparent 70%);
  border-radius: 50%;
}

.hero-content {
  position: relative;
  z-index: 1;
  max-width: 700px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(201,168,76,0.15);
  border: 1px solid rgba(201,168,76,0.35);
  border-radius: 40px;
  padding: 6px 16px;
  margin-bottom: 28px;
  font-family: 'Arial', sans-serif;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
}
.hero-badge::before {
  content: '★';
  font-size: 0.7rem;
}

.hero h1 {
  color: var(--white);
  margin-bottom: 20px;
}

.hero h1 span { color: var(--gold); }

.hero p {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.75);
  margin-bottom: 36px;
  max-width: 560px;
}

.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

.hero-trust {
  margin-top: 56px;
  padding-top: 40px;
  border-top: 1px solid rgba(255,255,255,0.1);
  display: flex;
  gap: 40px;
  flex-wrap: wrap;
}

.trust-stat .stat-number {
  font-family: 'Georgia', serif;
  font-size: 2rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
}
.trust-stat .stat-label {
  font-family: 'Arial', sans-serif;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.6);
  letter-spacing: 0.05em;
  margin-top: 4px;
}

/* ---- Product Cards ---- */
.products-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 32px;
  margin-top: 48px;
}

.product-card {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: 10px;
  padding: 40px 36px;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.product-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: var(--gold);
}
.product-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
}

.product-icon {
  width: 56px;
  height: 56px;
  background: var(--gold-pale);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
  font-size: 1.6rem;
}

.product-card h3 { margin-bottom: 8px; }
.product-card .product-tagline {
  font-family: 'Arial', sans-serif;
  font-size: 0.82rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 700;
  margin-bottom: 16px;
}

.product-card p { margin-bottom: 24px; }

.product-features {
  list-style: none;
  margin-bottom: 32px;
}
.product-features li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 8px 0;
  font-family: 'Arial', sans-serif;
  font-size: 0.9rem;
  color: var(--gray-800);
  border-bottom: 1px solid var(--gray-100);
}
.product-features li:last-child { border-bottom: none; }
.product-features li::before {
  content: '✓';
  color: var(--gold);
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 1px;
}

/* ---- Why Choose Us ---- */
.why-section { background: var(--gray-50); }

.reasons-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 32px;
  margin-top: 48px;
}

.reason-card {
  text-align: center;
  padding: 32px 24px;
  background: var(--white);
  border-radius: 10px;
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition);
}
.reason-card:hover { box-shadow: var(--shadow-md); }

.reason-icon {
  font-size: 2.2rem;
  margin-bottom: 16px;
}
.reason-card h4 { margin-bottom: 10px; }
.reason-card p { font-size: 0.9rem; margin: 0; }

/* ---- CTA Banner ---- */
.cta-banner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  padding: 80px 0;
  text-align: center;
}
.cta-banner h2 { color: var(--white); margin-bottom: 16px; }
.cta-banner p { color: rgba(255,255,255,0.7); font-size: 1.1rem; margin-bottom: 36px; }
.cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ---- Product Detail Page ---- */
.product-hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  padding: 80px 0 60px;
}
.product-hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.product-hero h1 { color: var(--white); margin-bottom: 16px; }
.product-hero h1 span { color: var(--gold); }
.product-hero p { color: rgba(255,255,255,0.75); font-size: 1.1rem; margin-bottom: 32px; }
.product-hero-visual {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(201,168,76,0.25);
  border-radius: 12px;
  padding: 40px;
}
.product-hero-visual .visual-title {
  font-family: 'Arial', sans-serif;
  font-size: 0.75rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 24px;
}
.visual-stat {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 14px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  font-family: 'Arial', sans-serif;
}
.visual-stat:last-child { border-bottom: none; }
.visual-stat .vs-label { font-size: 0.85rem; color: rgba(255,255,255,0.6); }
.visual-stat .vs-value { font-size: 1rem; font-weight: 700; color: var(--white); }
.visual-stat .vs-good { color: var(--gold); }

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 28px;
  margin-top: 48px;
}
.benefit-card {
  padding: 32px 28px;
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: 10px;
  box-shadow: var(--shadow-sm);
}
.benefit-icon { font-size: 2rem; margin-bottom: 16px; }
.benefit-card h4 { margin-bottom: 10px; }
.benefit-card p { font-size: 0.9rem; margin: 0; }

.how-it-works { background: var(--gray-50); }
.steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 24px;
  margin-top: 48px;
  counter-reset: steps;
}
.step {
  text-align: center;
  padding: 36px 24px;
  background: var(--white);
  border-radius: 10px;
  box-shadow: var(--shadow-sm);
  counter-increment: steps;
  position: relative;
}
.step::before {
  content: counter(steps);
  position: absolute;
  top: -18px;
  left: 50%;
  transform: translateX(-50%);
  width: 36px;
  height: 36px;
  background: var(--gold);
  color: var(--navy-dark);
  font-family: 'Arial', sans-serif;
  font-weight: 700;
  font-size: 0.9rem;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  line-height: 36px;
}
.step h4 { margin-bottom: 10px; margin-top: 8px; }
.step p { font-size: 0.9rem; margin: 0; }

/* ---- About Page ---- */
.about-hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  padding: 80px 0;
  text-align: center;
}
.about-hero h1 { color: var(--white); margin-bottom: 16px; }
.about-hero p { color: rgba(255,255,255,0.75); font-size: 1.1rem; max-width: 600px; margin: 0 auto; }

.mission-section {
  padding: 80px 0;
}
.mission-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}
.mission-visual {
  background: var(--gold-pale);
  border-radius: 12px;
  padding: 48px;
  text-align: center;
}
.mission-quote {
  font-size: 1.4rem;
  font-style: italic;
  color: var(--navy);
  line-height: 1.5;
  margin-bottom: 20px;
}
.mission-attr {
  font-family: 'Arial', sans-serif;
  font-size: 0.85rem;
  color: var(--gold);
  font-weight: 700;
  letter-spacing: 0.08em;
}

.values-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 24px;
  margin-top: 48px;
}
.value-card {
  padding: 28px 24px;
  background: var(--white);
  border-radius: 10px;
  border-left: 4px solid var(--gold);
  box-shadow: var(--shadow-sm);
}
.value-card h4 { margin-bottom: 8px; }
.value-card p { font-size: 0.9rem; margin: 0; }

/* ---- Contact Page ---- */
.contact-hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  padding: 80px 0;
  text-align: center;
}
.contact-hero h1 { color: var(--white); margin-bottom: 16px; }
.contact-hero p { color: rgba(255,255,255,0.75); font-size: 1.1rem; max-width: 560px; margin: 0 auto; }

.contact-section { padding: 80px 0; }
.contact-inner {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 60px;
}

.form-card {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: 12px;
  padding: 48px;
  box-shadow: var(--shadow-md);
}
.form-card h3 { margin-bottom: 8px; }
.form-card > p { margin-bottom: 32px; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-group { margin-bottom: 24px; }
.form-group label {
  display: block;
  font-family: 'Arial', sans-serif;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
  letter-spacing: 0.03em;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--gray-300);
  border-radius: var(--radius);
  font-family: 'Georgia', serif;
  font-size: 0.95rem;
  color: var(--text);
  background: var(--white);
  transition: border-color var(--transition);
  outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(26,46,90,0.08);
}
.form-group textarea { resize: vertical; min-height: 120px; }

.contact-info h4 { margin-bottom: 24px; }
.info-item {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  margin-bottom: 28px;
  padding-bottom: 28px;
  border-bottom: 1px solid var(--gray-100);
}
.info-item:last-child { border-bottom: none; }
.info-icon {
  font-size: 1.4rem;
  flex-shrink: 0;
}
.info-item .info-label {
  font-family: 'Arial', sans-serif;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 4px;
}
.info-item .info-text {
  color: var(--gray-600);
  font-size: 0.95rem;
}

/* ---- Footer ---- */
.site-footer {
  background: var(--navy-dark);
  padding: 60px 0 30px;
}
.footer-inner {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}
.footer-brand .logo-main { font-family: 'Georgia', serif; font-size: 1.2rem; color: var(--white); font-weight: 700; }
.footer-brand .logo-sub { font-family: 'Arial', sans-serif; font-size: 0.65rem; letter-spacing: 0.18em; text-transform: uppercase; color: var(--gold); margin-bottom: 16px; }
.footer-brand p { font-size: 0.9rem; color: rgba(255,255,255,0.5); }
.footer-col h5 {
  font-family: 'Arial', sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a { font-family: 'Arial', sans-serif; font-size: 0.88rem; color: rgba(255,255,255,0.55); transition: color var(--transition); }
.footer-col ul li a:hover { color: var(--white); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom p { font-family: 'Arial', sans-serif; font-size: 0.8rem; color: rgba(255,255,255,0.35); margin: 0; }
.footer-legal { font-family: 'Arial', sans-serif; font-size: 0.75rem; color: rgba(255,255,255,0.25); text-align: right; max-width: 500px; line-height: 1.5; }

/* ---- Divider / Accent ---- */
.gold-divider {
  width: 60px;
  height: 3px;
  background: var(--gold);
  margin-bottom: 28px;
}
.text-center .gold-divider { margin-left: auto; margin-right: auto; }

/* ---- Responsive ---- */
@media (max-width: 900px) {
  section { padding: 60px 0; }
  .product-hero-inner { grid-template-columns: 1fr; }
  .mission-inner { grid-template-columns: 1fr; }
  .contact-inner { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 640px) {
  .nav-links { display: none; flex-direction: column; position: absolute; top: 70px; left: 0; right: 0; background: var(--navy-dark); padding: 16px; gap: 4px; }
  .nav-links.open { display: flex; }
  .nav-toggle { display: flex; }
  .hero-trust { gap: 24px; }
  .form-row { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .footer-legal { text-align: center; }
  .form-card { padding: 28px 20px; }
}