/* =========================================================
   SmartFlex Solutions — Design System
   Palette: deep navy + antique gold + emerald, warm cream base
   ========================================================= */

@import url('https://fonts.googleapis.com/css2?family=Fraunces:opsz,wght@9..144,500;9..144,600;9..144,700&family=Inter:wght@400;500;600;700&display=swap');

:root{
  --navy-950:#071224;
  --navy-900:#0d1f38;
  --navy-800:#142a4a;
  --navy-700:#1c3a63;
  --gold-300:#f0d38a;
  --gold-500:#c9a24d;
  --gold-700:#9c7a2f;
  --emerald-500:#1f8a70;
  --emerald-600:#166b57;
  --cream-50:#faf8f3;
  --cream-100:#f1ede3;
  --cream-200:#e7e0cf;
  --ink-900:#1b2430;
  --ink-700:#3a4552;
  --ink-500:#5c6875;
  --border:#e1d9c6;
  --radius-sm:6px;
  --radius-md:14px;
  --radius-lg:26px;
  --shadow-sm:0 2px 10px rgba(7,18,36,0.06);
  --shadow-md:0 12px 32px rgba(7,18,36,0.10);
  --shadow-lg:0 24px 60px rgba(7,18,36,0.16);
  --maxw:1200px;
  --font-serif:'Fraunces', Georgia, 'Times New Roman', serif;
  --font-sans:'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:var(--font-sans);
  color:var(--ink-900);
  background:var(--cream-50);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block;}
a{color:inherit;text-decoration:none;}
ul{margin:0;padding:0;list-style:none;}
h1,h2,h3,h4{
  font-family:var(--font-serif);
  color:var(--navy-900);
  line-height:1.15;
  margin:0 0 .6em;
  font-weight:600;
}
p{margin:0 0 1em;color:var(--ink-700);}
.container{max-width:var(--maxw);margin:0 auto;padding:0 24px;}
section{padding:96px 0;}
.section--tight{padding:64px 0;}

/* Finance-grade fine grid texture, used on cream sections */
.bg-grid{
  background-image:
    linear-gradient(rgba(20,42,74,0.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(20,42,74,0.05) 1px, transparent 1px);
  background-size:42px 42px;
}
.bg-cream-alt{background:var(--cream-100);}

.eyebrow{
  display:inline-flex;align-items:center;gap:10px;
  font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;
  color:var(--emerald-600);
  margin-bottom:14px;
}
.eyebrow::before{content:"";width:26px;height:2px;background:var(--gold-500);display:inline-block;}

.lede{font-size:1.15rem;color:var(--ink-700);max-width:640px;}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:14px 30px;border-radius:100px;font-weight:600;font-size:.96rem;
  border:1.5px solid transparent;cursor:pointer;transition:all .25s ease;
  white-space:nowrap;
}
.btn-primary{background:var(--navy-900);color:var(--cream-50);}
.btn-primary:hover{background:var(--navy-800);transform:translateY(-2px);box-shadow:var(--shadow-md);}
.btn-gold{background:linear-gradient(135deg,var(--gold-300),var(--gold-500));color:var(--navy-950);}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 14px 30px rgba(201,162,77,0.35);}
.btn-outline{background:transparent;border-color:rgba(250,248,243,0.5);color:var(--cream-50);}
.btn-outline:hover{background:rgba(250,248,243,0.12);}
.btn-outline-dark{background:transparent;border-color:var(--navy-800);color:var(--navy-900);}
.btn-outline-dark:hover{background:var(--navy-900);color:var(--cream-50);}
.btn-block{width:100%;}

/* ---------- Top utility bar ---------- */
.topbar{
  background:var(--navy-950);
  color:var(--cream-100);
  font-size:.82rem;
}
.topbar .container{
  display:flex;align-items:center;justify-content:space-between;
  padding-top:9px;padding-bottom:9px;
  gap:16px;
}
.topbar a{opacity:.85;transition:opacity .2s;}
.topbar a:hover{opacity:1;color:var(--gold-300);}
.topbar-links{display:flex;gap:22px;align-items:center;flex-wrap:wrap;}
.topbar-social{display:flex;gap:14px;align-items:center;}
.topbar-social svg{width:15px;height:15px;fill:var(--cream-100);opacity:.8;}
.topbar-social a:hover svg{opacity:1;fill:var(--gold-300);}

/* ---------- Main nav: centered logo, split links ---------- */
.site-header{
  position:sticky;top:0;z-index:100;
  background:rgba(250,248,243,0.92);
  backdrop-filter:blur(10px);
  border-bottom:1px solid var(--border);
}
.nav{
  display:grid;
  grid-template-columns:1fr auto 1fr;
  align-items:center;
  gap:12px;
  padding:14px 24px;
  max-width:var(--maxw);
  margin:0 auto;
}
.nav-logo{justify-self:center;display:flex;align-items:center;}
.nav-logo img{height:44px;width:auto;}
.nav-links{
  justify-self:start;
  display:flex;gap:30px;align-items:center;
}
.nav-links a{
  font-weight:600;font-size:.92rem;color:var(--ink-700);
  position:relative;padding:6px 0;
  transition:color .2s;
}
.nav-links a::after{
  content:"";position:absolute;left:0;bottom:0;height:2px;width:0;
  background:var(--gold-500);transition:width .25s ease;
}
.nav-links a:hover,.nav-links a.is-active{color:var(--navy-900);}
.nav-links a:hover::after,.nav-links a.is-active::after{width:100%;}
.nav-right{justify-self:end;display:flex;align-items:center;gap:18px;}
.nav-cta{white-space:nowrap;}
.nav-toggle{
  display:none;background:none;border:none;cursor:pointer;
  width:40px;height:40px;align-items:center;justify-content:center;
  border-radius:8px;
}
.nav-toggle:hover{background:var(--cream-200);}
.nav-toggle span,.nav-toggle span::before,.nav-toggle span::after{
  content:"";display:block;width:22px;height:2px;background:var(--navy-900);
  position:relative;transition:.25s;
}
.nav-toggle span::before{position:absolute;top:-7px;}
.nav-toggle span::after{position:absolute;top:7px;}
.nav-toggle.is-open span{background:transparent;}
.nav-toggle.is-open span::before{transform:rotate(45deg);top:0;}
.nav-toggle.is-open span::after{transform:rotate(-45deg);top:0;}

@media (max-width:900px){
  .nav{grid-template-columns:auto 1fr auto;padding:12px 20px;}
  .nav-logo{justify-self:center;}
  .nav-logo img{height:36px;}
  .nav-toggle{display:flex;order:-1;}
  .nav-links{
    position:fixed;inset:0 0 0 auto;top:0;
    width:min(320px,84vw);height:100vh;
    background:var(--navy-950);
    flex-direction:column;align-items:flex-start;
    padding:100px 32px 32px;gap:22px;
    transform:translateX(100%);
    transition:transform .32s ease;
    z-index:120;
  }
  .nav-links.is-open{transform:translateX(0);}
  .nav-links a{color:var(--cream-100);font-size:1.05rem;}
  .nav-links a:hover,.nav-links a.is-active{color:var(--gold-300);}
  .nav-right .nav-cta{display:none;}
  .nav-scrim{
    display:none;position:fixed;inset:0;background:rgba(7,18,36,.55);z-index:110;
  }
  .nav-scrim.is-open{display:block;}
}

/* ---------- Hero ---------- */
.hero{
  position:relative;
  background:var(--navy-950);
  color:var(--cream-50);
  overflow:hidden;
}
.hero::before{
  content:"";position:absolute;inset:0;
  background-image:
    linear-gradient(rgba(240,211,138,0.07) 1px, transparent 1px),
    linear-gradient(90deg, rgba(240,211,138,0.07) 1px, transparent 1px);
  background-size:56px 56px;
  mask-image:linear-gradient(180deg, transparent, black 30%, black 80%, transparent);
}
.hero-grid{
  position:relative;z-index:1;
  display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;
  padding:110px 24px 90px;
  max-width:var(--maxw);margin:0 auto;
}
.hero h1{color:var(--cream-50);font-size:clamp(2.2rem,4vw,3.4rem);}
.hero .lede{color:var(--cream-200);}
.hero-actions{display:flex;gap:16px;flex-wrap:wrap;margin-top:32px;}
.hero-stats{display:flex;gap:34px;margin-top:52px;flex-wrap:wrap;}
.hero-stats div strong{display:block;font-family:var(--font-serif);font-size:1.7rem;color:var(--gold-300);}
.hero-stats div span{font-size:.82rem;color:var(--cream-200);}
.hero-media{
  position:relative;border-radius:var(--radius-lg);overflow:hidden;
  box-shadow:var(--shadow-lg);
  border:1px solid rgba(240,211,138,0.25);
}
.hero-media img{height:100%;width:100%;object-fit:cover;aspect-ratio:4/5;}
.hero-media-badge{
  position:absolute;left:-22px;bottom:-22px;
  background:var(--cream-50);color:var(--navy-900);
  border-radius:var(--radius-md);padding:18px 22px;
  box-shadow:var(--shadow-lg);
  display:flex;align-items:center;gap:14px;
  max-width:260px;
}
.hero-media-badge .icon-circle{flex:none;}
.hero-media-badge strong{display:block;font-family:var(--font-serif);font-size:1.1rem;}
.hero-media-badge span{font-size:.8rem;color:var(--ink-500);}

@media (max-width:900px){
  .hero-grid{grid-template-columns:1fr;padding:60px 20px 70px;}
  .hero-media{order:-1;}
  .hero-media-badge{left:12px;bottom:-18px;}
}

/* ---------- Icon circle ---------- */
.icon-circle{
  width:52px;height:52px;border-radius:50%;
  display:flex;align-items:center;justify-content:center;flex:none;
  background:linear-gradient(135deg,var(--gold-300),var(--gold-500));
  color:var(--navy-950);
}
.icon-circle svg{width:24px;height:24px;}
.icon-circle--navy{background:var(--navy-900);color:var(--gold-300);}
.icon-circle--emerald{background:var(--emerald-500);color:var(--cream-50);}

/* ---------- Cards / grids ---------- */
.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;}}

.section-head{max-width:640px;margin:0 auto 56px;text-align:center;}
.section-head.align-left{margin:0 0 48px;text-align:left;}

.card{
  background:var(--cream-50);
  border:1px solid var(--border);
  border-radius:var(--radius-md);
  padding:34px 30px;
  transition:transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow-md);border-color:var(--gold-500);}
.card h3{font-size:1.2rem;margin-bottom:10px;}
.card p{margin-bottom:0;}
.card .icon-circle{margin-bottom:20px;}
.card-link{display:inline-flex;align-items:center;gap:6px;margin-top:16px;font-weight:600;color:var(--emerald-600);font-size:.92rem;}
.card-link svg{width:14px;height:14px;transition:transform .2s;}
.card:hover .card-link svg{transform:translateX(4px);}

.service-feature{
  display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;
  padding:70px 0;border-bottom:1px solid var(--border);
}
.service-feature:last-child{border-bottom:none;}
.service-feature.is-reverse .service-feature-media{order:2;}
.service-feature-media img{border-radius:var(--radius-lg);box-shadow:var(--shadow-md);aspect-ratio:5/4;object-fit:cover;}
.service-feature ul{margin-top:22px;display:grid;gap:12px;}
.service-feature ul li{display:flex;gap:12px;align-items:flex-start;color:var(--ink-700);}
.service-feature ul li svg{flex:none;width:20px;height:20px;color:var(--emerald-500);margin-top:2px;}
.service-tag{
  display:inline-block;font-size:.75rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;
  background:var(--cream-100);color:var(--navy-800);padding:6px 14px;border-radius:100px;margin-bottom:16px;
}
@media (max-width:860px){
  .service-feature{grid-template-columns:1fr;gap:32px;padding:48px 0;}
  .service-feature.is-reverse .service-feature-media{order:0;}
}

/* ---------- Stats / CTA band ---------- */
.stat-band{
  background:var(--navy-950);color:var(--cream-50);
  border-radius:var(--radius-lg);
  padding:56px 40px;
  display:grid;grid-template-columns:repeat(4,1fr);gap:30px;
  position:relative;overflow:hidden;
}
.stat-band::after{
  content:"";position:absolute;right:-60px;top:-60px;width:220px;height:220px;border-radius:50%;
  background:radial-gradient(circle,rgba(240,211,138,0.18),transparent 70%);
}
.stat-band div{text-align:center;position:relative;z-index:1;}
.stat-band strong{display:block;font-family:var(--font-serif);font-size:2.2rem;color:var(--gold-300);}
.stat-band span{font-size:.86rem;color:var(--cream-200);}
@media (max-width:760px){.stat-band{grid-template-columns:repeat(2,1fr);}}

.cta-banner{
  background:linear-gradient(120deg,var(--emerald-600),var(--navy-900));
  color:var(--cream-50);border-radius:var(--radius-lg);
  padding:64px 56px;display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap;
}
.cta-banner h2{color:var(--cream-50);margin-bottom:8px;}
.cta-banner p{color:var(--cream-200);margin-bottom:0;max-width:480px;}

/* ---------- Testimonials ---------- */
.testi-card{
  background:var(--cream-50);border:1px solid var(--border);border-radius:var(--radius-md);
  padding:34px;display:flex;flex-direction:column;gap:18px;
}
.testi-quote{font-family:var(--font-serif);font-size:1.15rem;color:var(--navy-900);}
.testi-person{display:flex;align-items:center;gap:12px;}
.testi-avatar{width:44px;height:44px;border-radius:50%;background:var(--navy-900);color:var(--gold-300);display:flex;align-items:center;justify-content:center;font-family:var(--font-serif);font-weight:600;}
.testi-person strong{display:block;font-size:.92rem;color:var(--navy-900);}
.testi-person span{font-size:.8rem;color:var(--ink-500);}
.stars{color:var(--gold-500);letter-spacing:2px;}

/* ---------- Process steps ---------- */
.steps{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:28px;}
.step{position:relative;padding-top:8px;}
.step::before{
  counter-increment:step;content:counter(step,decimal-leading-zero);
  font-family:var(--font-serif);font-size:2.6rem;color:var(--gold-500);
  display:block;margin-bottom:14px;
}
@media (max-width:900px){.steps{grid-template-columns:repeat(2,1fr);}}
@media (max-width:520px){.steps{grid-template-columns:1fr;}}

/* ---------- About page ---------- */
.value-card{text-align:center;padding:36px 24px;}
.office-card{
  border:1px solid var(--border);border-radius:var(--radius-md);padding:26px;background:var(--cream-50);
}
.office-card h3{font-size:1.05rem;margin-bottom:6px;}
.office-card .tag{color:var(--emerald-600);font-weight:700;font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;}
.leader-card{text-align:center;}
.leader-photo{
  width:100%;aspect-ratio:1;border-radius:var(--radius-md);object-fit:cover;margin-bottom:18px;
  box-shadow:var(--shadow-sm);
}
.leader-card h3{margin-bottom:2px;font-size:1.05rem;}
.leader-card span{display:block;color:var(--emerald-600);font-size:.82rem;font-weight:600;margin-bottom:10px;}

/* ---------- Contact page ---------- */
.contact-wrap{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start;}
@media (max-width:900px){.contact-wrap{grid-template-columns:1fr;}}
.form-card{
  background:var(--cream-50);border:1px solid var(--border);border-radius:var(--radius-lg);
  padding:42px;box-shadow:var(--shadow-sm);
}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px;}
@media (max-width:560px){.form-row{grid-template-columns:1fr;}}
.field{margin-bottom:20px;}
.field label{display:block;font-weight:600;font-size:.86rem;margin-bottom:8px;color:var(--navy-900);}
.field input,.field select,.field textarea{
  width:100%;padding:13px 16px;border-radius:var(--radius-sm);border:1.5px solid var(--border);
  font-family:var(--font-sans);font-size:.95rem;background:#fff;color:var(--ink-900);
  transition:border-color .2s, box-shadow .2s;
}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--emerald-500);box-shadow:0 0 0 3px rgba(31,138,112,0.15);
}
.field textarea{resize:vertical;min-height:130px;}
.field.has-error input,.field.has-error textarea,.field.has-error select{border-color:#c0392b;}
.field-error{display:none;color:#c0392b;font-size:.8rem;margin-top:6px;}
.field.has-error .field-error{display:block;}
.form-note{font-size:.8rem;color:var(--ink-500);margin-top:14px;}
.form-success{
  display:none;background:rgba(31,138,112,0.1);border:1px solid var(--emerald-500);
  color:var(--emerald-600);padding:16px 20px;border-radius:var(--radius-sm);margin-bottom:22px;font-weight:600;
}
.form-success.is-visible{display:block;}

.contact-info-card{
  display:flex;gap:16px;padding:22px 0;border-bottom:1px solid var(--border);
}
.contact-info-card:last-child{border-bottom:none;}
.contact-info-card h3{font-size:1rem;margin-bottom:4px;}
.contact-info-card p{margin-bottom:0;font-size:.92rem;}

/* ---------- Legal pages ---------- */
.legal-content{max-width:800px;margin:0 auto;}
.legal-content h2{margin-top:2.2em;font-size:1.4rem;}
.legal-content h2:first-child{margin-top:0;}
.legal-content ul{margin:0 0 1em;padding-left:22px;list-style:disc;}
.legal-content li{margin-bottom:8px;color:var(--ink-700);}
.legal-updated{color:var(--ink-500);font-size:.9rem;margin-bottom:40px;}
.legal-toc{
  background:var(--cream-100);border-radius:var(--radius-md);padding:26px 30px;margin-bottom:44px;
}
.legal-toc strong{display:block;margin-bottom:12px;color:var(--navy-900);}
.legal-toc ol{padding-left:20px;list-style:decimal;display:grid;gap:6px;}
.legal-toc a{color:var(--emerald-600);font-weight:600;}
.legal-toc a:hover{text-decoration:underline;}

/* ---------- Page header (inner pages) ---------- */
.page-header{
  background:var(--navy-950);color:var(--cream-50);padding:64px 0 56px;position:relative;overflow:hidden;
}
.page-header::before{
  content:"";position:absolute;inset:0;
  background-image:linear-gradient(rgba(240,211,138,0.06) 1px, transparent 1px),linear-gradient(90deg, rgba(240,211,138,0.06) 1px, transparent 1px);
  background-size:46px 46px;
}
.page-header .container{position:relative;z-index:1;}
.breadcrumb{font-size:.82rem;color:var(--gold-300);margin-bottom:14px;display:flex;gap:8px;align-items:center;}
.breadcrumb a{color:var(--cream-200);}
.breadcrumb a:hover{color:var(--gold-300);}
.page-header h1{color:var(--cream-50);margin-bottom:12px;font-size:clamp(1.9rem,3.4vw,2.6rem);}
.page-header p{color:var(--cream-200);max-width:600px;margin-bottom:0;}

/* ---------- FAQ accordion ---------- */
.faq-item{border-bottom:1px solid var(--border);}
.faq-q{
  width:100%;text-align:left;background:none;border:none;padding:22px 0;
  display:flex;justify-content:space-between;align-items:center;gap:20px;cursor:pointer;
  font-family:var(--font-serif);font-size:1.05rem;color:var(--navy-900);
}
.faq-q .plus{flex:none;width:24px;height:24px;position:relative;}
.faq-q .plus::before,.faq-q .plus::after{
  content:"";position:absolute;background:var(--emerald-500);top:50%;left:50%;transform:translate(-50%,-50%);
}
.faq-q .plus::before{width:14px;height:2px;}
.faq-q .plus::after{width:2px;height:14px;transition:transform .2s;}
.faq-item.is-open .plus::after{transform:translate(-50%,-50%) rotate(90deg) scaleY(0);}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease;}
.faq-a p{padding-bottom:22px;margin:0;}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy-950);color:var(--cream-200);padding-top:76px;}
.footer-top{
  display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:44px;padding-bottom:56px;
  border-bottom:1px solid rgba(240,211,138,0.15);
}
@media (max-width:900px){.footer-top{grid-template-columns:1fr 1fr;}}
@media (max-width:560px){.footer-top{grid-template-columns:1fr;}}
.footer-brand img{height:42px;margin-bottom:16px;}
.footer-brand p{color:var(--cream-200);font-size:.9rem;max-width:280px;}
.footer-social{display:flex;gap:12px;margin-top:18px;}
.footer-social a{
  width:36px;height:36px;border-radius:50%;border:1px solid rgba(240,211,138,0.3);
  display:flex;align-items:center;justify-content:center;transition:background .2s;
}
.footer-social a:hover{background:rgba(240,211,138,0.15);}
.footer-social svg{width:15px;height:15px;fill:var(--gold-300);}
.site-footer h4{color:var(--cream-50);font-size:.9rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:20px;}
.site-footer ul{display:grid;gap:12px;}
.site-footer a{color:var(--cream-200);font-size:.92rem;transition:color .2s;}
.site-footer a:hover{color:var(--gold-300);}
.footer-bottom{
  padding:24px 0 30px;display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;
  font-size:.82rem;color:var(--ink-500);
}
.footer-bottom a{color:var(--cream-200);}
.footer-bottom a:hover{color:var(--gold-300);}

/* ---------- Back to top ---------- */
.back-to-top{
  position:fixed;bottom:28px;right:28px;width:48px;height:48px;border-radius:50%;
  background:var(--navy-900);color:var(--gold-300);border:none;cursor:pointer;
  display:flex;align-items:center;justify-content:center;box-shadow:var(--shadow-md);
  opacity:0;visibility:hidden;transform:translateY(10px);transition:all .3s ease;z-index:90;
}
.back-to-top.is-visible{opacity:1;visibility:visible;transform:translateY(0);}
.back-to-top:hover{background:var(--navy-800);}
.back-to-top svg{width:18px;height:18px;}

/* ---------- Reveal on scroll ---------- */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .6s ease, transform .6s ease;}
.reveal.is-visible{opacity:1;transform:translateY(0);}

/* ---------- Misc ---------- */
.text-center{text-align:center;}
.mt-0{margin-top:0;}
.divider-gold{width:56px;height:3px;background:var(--gold-500);margin:0 auto 24px;border-radius:2px;}