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

:root {
  --blue:         #528eb0;
  --blue-dark:    #3a6d8c;
  --amber:        #dd970f;
  --amber-dark:   #c4850d;
  --light:        #e6e3e3;
  --mid:          #bdbfc2;
  --bg:           #fafafa;
  --bg2:          #f6f6f6;
  --dark:         #1e2a34;
  --font-display: 'Playfair Display', serif;
  --font-body:    'Nunito', sans-serif;
}

html { scroll-behavior: smooth; }

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

/* ─── SHARED UTILITIES ─────────────────────────────────── */
.section       { padding: 5rem 0; }
.section-inner { max-width: 1200px; margin: 0 auto; padding: 0 2rem; }

.section-label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--amber);
  margin-bottom: 0.5rem;
}
.section-title {
  font-family: var(--font-display);
  font-size: clamp(1.7rem, 3.5vw, 2.5rem);
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 1rem;
}
.section-title.center { text-align: center; }
.section-sub {
  color: #666;
  max-width: 540px;
  margin-bottom: 3rem;
  font-size: 0.97rem;
}

.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--amber);
  color: #fff;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 0.9rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  padding: 0.85rem 2rem;
  border-radius: 8px;
  text-decoration: none;
  transition: background 0.2s, transform 0.15s;
  border: none;
  cursor: pointer;
}
.btn-primary:hover { background: var(--amber-dark); transform: translateY(-1px); }

.btn-outline {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: transparent;
  color: #fff;
  border: 2px solid rgba(255,255,255,0.45);
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 0.9rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  padding: 0.85rem 2rem;
  border-radius: 8px;
  text-decoration: none;
  transition: border-color 0.2s, background 0.2s;
}
.btn-outline:hover { border-color: #fff; background: rgba(255,255,255,0.1); }

.btn-white {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: #fff;
  color: var(--blue);
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 0.88rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  padding: 0.8rem 1.8rem;
  border-radius: 8px;
  text-decoration: none;
  transition: background 0.2s;
}
.btn-white:hover { background: var(--bg2); }

/* ─── TOP CONTACT BAR ──────────────────────────────────── */
.top-bar {
  background: var(--blue);
  color: #fff;
  font-size: 0.82rem;
  letter-spacing: 0.03em;
  padding: 0.5rem 0;
}
.top-bar-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 2rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.top-bar-contact { display: flex; align-items: center; gap: 1.5rem; }
.top-bar-social  { display: flex; align-items: center; gap: 0.75rem; }
.top-bar a {
  color: #fff;
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 0.4rem;
  transition: opacity 0.2s;
}
.top-bar a:hover { opacity: 0.75; }
.top-bar .tb-icon   { width: 14px; height: 14px; fill: #fff; flex-shrink: 0; }
.top-bar .soc-icon  { width: 17px; height: 17px; fill: #fff; display: block; }
.top-bar-divider    { width: 1px; height: 14px; background: rgba(255,255,255,0.35); }

/* ─── HEADER ───────────────────────────────────────────── */
header {
  background: #fff;
  box-shadow: 0 2px 12px rgba(0,0,0,0.07);
  position: sticky;
  top: 0;
  z-index: 1000;
}
.header-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 2rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 84px;
}

/* Logo */
.logo { display: flex; align-items: center; text-decoration: none; }
.logo img { height: 70px; width: auto; display: block; }
.footer-brand .logo img { height: 60px; filter: brightness(0) invert(1); }

/* Nav */
nav { display: flex; align-items: center; gap: 0.15rem; }

nav a, .dropdown-toggle {
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.87rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--dark);
  text-decoration: none;
  padding: 0.55rem 0.85rem;
  border-radius: 6px;
  transition: color 0.2s, background 0.2s;
  white-space: nowrap;
  background: none;
  border: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 0.3rem;
}
nav a:hover, .dropdown-toggle:hover { color: var(--blue); background: var(--bg2); }

.nav-cta {
  background: var(--amber) !important;
  color: #fff !important;
  border-radius: 6px;
  padding: 0.55rem 1.1rem !important;
  margin-left: 0.4rem;
}
.nav-cta:hover { background: var(--amber-dark) !important; color: #fff !important; }

/* ─── DROPDOWN — JS controlled only ───────────────────── */
.dropdown { position: relative; }

.chevron {
  width: 9px; height: 9px;
  border-right: 2px solid currentColor;
  border-bottom: 2px solid currentColor;
  transform: rotate(45deg);
  margin-top: -3px;
  transition: transform 0.2s, margin-top 0.2s;
  display: inline-block;
}
/* Chevron flips only when JS adds .open — NO :hover rule */
.dropdown.open .chevron { transform: rotate(-135deg); margin-top: 3px; }

.dropdown-menu {
  position: absolute;
  top: calc(100% + 6px);
  left: 50%;
  transform: translateX(-50%) translateY(-6px);
  background: #fff;
  border-radius: 10px;
  box-shadow: 0 8px 30px rgba(0,0,0,0.13);
  min-width: 220px;
  padding: 0.5rem 0;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.2s, transform 0.2s;
  border-top: 3px solid var(--blue);
  /* Ensure it never shows on hover — only via .open class */
  visibility: hidden;
}
/* Opens only when JS adds .open — NO :hover rule */
.dropdown.open .dropdown-menu {
  opacity: 1;
  pointer-events: all;
  transform: translateX(-50%) translateY(0);
  visibility: visible;
}

.dropdown-menu a {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  padding: 0.65rem 1.2rem;
  font-size: 0.85rem;
  text-transform: none;
  letter-spacing: 0.01em;
  border-radius: 0;
  color: var(--dark);
  background: none;
}
.dropdown-menu a:hover { color: var(--blue); background: var(--bg); }
.d-icon { width: 17px; height: 17px; fill: var(--amber); flex-shrink: 0; }

/* Mobile toggle */
.mobile-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.5rem;
}
.mobile-toggle span {
  width: 24px; height: 2px;
  background: var(--dark);
  border-radius: 2px;
  display: block;
  transition: all 0.3s;
}

/* ─── FOOTER ───────────────────────────────────────────── */
footer {
  background: var(--dark);
  color: rgba(255,255,255,0.55);
  padding: 3.5rem 0 0;
}
.footer-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 2rem;
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 3rem;
}
.footer-brand p { font-size: 0.84rem; margin-top: 1rem; line-height: 1.75; }
.footer-col h4 {
  color: #fff;
  font-size: 0.78rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 1rem;
  padding-bottom: 0.5rem;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 0.55rem; }
.footer-col a { color: rgba(255,255,255,0.5); text-decoration: none; font-size: 0.86rem; transition: color 0.2s; }
.footer-col a:hover { color: var(--amber); }

.footer-legal {
  max-width: 1200px;
  margin: 2.5rem auto 0;
  padding: 1.5rem 2rem 2rem;
  border-top: 1px solid rgba(255,255,255,0.07);
  font-size: 0.71rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.3);
}
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 0.75rem;
  flex-wrap: wrap;
  gap: 0.5rem;
  font-size: 0.75rem;
}
.footer-bottom-links { display: flex; gap: 1.25rem; flex-wrap: wrap; }
.footer-bottom-links a { color: rgba(255,255,255,0.35); text-decoration: none; transition: color 0.2s; }
.footer-bottom-links a:hover { color: #fff; }

/* Simple (p-tag) footer bottom used on non-service pages */
footer .footer-bottom-simple {
  border-top: 1px solid rgba(255,255,255,0.07);
  padding: 1.1rem 2rem;
  text-align: center;
  font-size: 0.75rem;
  color: rgba(255,255,255,0.35);
}
footer .footer-bottom-simple a {
  color: rgba(255,255,255,0.45);
  text-decoration: none;
  transition: color 0.2s;
}
footer .footer-bottom-simple a:hover { color: rgba(255,255,255,0.8); }
footer .footer-bottom-simple a.credit { color: var(--amber); opacity: 0.85; }
footer .footer-bottom-simple a.credit:hover { opacity: 1; }

/* ─── CTA BAND ─────────────────────────────────────────── */
.cta-band {
  background: linear-gradient(135deg, var(--dark) 0%, #2c3e4f 60%, var(--blue-dark) 100%);
  padding: 4.5rem 2rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-band::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='%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/svg%3E");
}
.cta-band .section-inner { position: relative; z-index: 1; }
.cta-band h2 {
  font-family: var(--font-display);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  color: #fff;
  font-weight: 700;
  margin-bottom: 0.75rem;
}
.cta-band p { color: rgba(255,255,255,0.65); margin-bottom: 2rem; font-size: 1rem; }
.cta-flex { display: flex; justify-content: center; gap: 1rem; flex-wrap: wrap; }

/* ─── FOOTER BOTTOM BAR ─────────────────────────────────── */
footer .footer-bottom-bar {
  border-top: 1px solid rgba(255,255,255,0.07);
  padding: 1.25rem 2rem;
  text-align: center;
  font-size: 0.75rem;
  color: rgba(255,255,255,0.35);
}
footer .footer-bottom-bar a {
  color: rgba(255,255,255,0.45);
  text-decoration: none;
  transition: color 0.2s;
}
footer .footer-bottom-bar a:hover { color: var(--amber); }
footer .footer-bottom-bar a.credit {
  color: var(--amber);
  opacity: 0.8;
}
footer .footer-bottom-bar a.credit:hover { opacity: 1; }

/* ─── SCROLL ANIMATIONS ────────────────────────────────── */
.fade-up {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.65s ease, transform 0.65s ease;
}
.fade-up.is-visible {
  opacity: 1;
  transform: translateY(0);
}

.stagger-children > * {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.5s ease, transform 0.5s ease;
}
.stagger-children.is-visible > * { opacity: 1; transform: translateY(0); }
.stagger-children.is-visible > *:nth-child(1) { transition-delay: 0.05s; }
.stagger-children.is-visible > *:nth-child(2) { transition-delay: 0.15s; }
.stagger-children.is-visible > *:nth-child(3) { transition-delay: 0.25s; }
.stagger-children.is-visible > *:nth-child(4) { transition-delay: 0.35s; }
.stagger-children.is-visible > *:nth-child(5) { transition-delay: 0.45s; }
.stagger-children.is-visible > *:nth-child(6) { transition-delay: 0.55s; }

@media (prefers-reduced-motion: reduce) {
  .fade-up, .stagger-children > * { transition: none !important; opacity: 1 !important; transform: none !important; }
}

/* ─── RESPONSIVE ───────────────────────────────────────── */
@media (max-width: 960px) {
  .section { padding: 3rem 0; }
  .mobile-toggle { display: flex; }
  nav {
    display: none;
    flex-direction: column;
    align-items: flex-start;
    position: absolute;
    top: 84px; left: 0; right: 0;
    background: #fff;
    box-shadow: 0 8px 24px rgba(0,0,0,0.1);
    padding: 1rem;
    gap: 0;
    z-index: 999;
  }
  nav.open { display: flex; }
  nav a, .dropdown-toggle { width: 100%; }
  .dropdown-menu {
    position: static;
    transform: none !important;
    opacity: 1 !important;
    visibility: visible !important;
    pointer-events: all;
    box-shadow: none;
    border-top: none;
    border-left: 3px solid var(--blue);
    margin-left: 1rem;
    display: none;
  }
  .dropdown.open .dropdown-menu { display: block; }

  .why-grid { grid-template-columns: 1fr; }
  .why-visual { order: -1; }
  .finance-inner { grid-template-columns: 1fr; gap: 2rem; }
  .reviews-grid { grid-template-columns: repeat(2, 1fr); }
  .how-steps { grid-template-columns: 1fr; gap: 2rem; }
  .how-steps::before { display: none; }
  .footer-inner { grid-template-columns: 1fr; gap: 2rem; }
  .footer-bottom { flex-direction: column; text-align: center; }
}

@media (max-width: 600px) {
  .section { padding: 2.5rem 0; }
  .top-bar-inner { flex-direction: column; gap: 0.4rem; }
  .trust-inner { gap: 1.25rem; }
  .reviews-grid { grid-template-columns: 1fr; }
  .footer-bottom-links { flex-direction: column; gap: 0.4rem; }
}