/* ============================================
   FERNANDES & COMPANY — Global Stylesheet
   ============================================ */

/* --- Google Fonts --- */
@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,300;0,400;0,500;0,600;0,700;1,400;1,500&family=DM+Sans:ital,opsz,wght@0,9..40,300;0,9..40,400;0,9..40,500;0,9..40,600;0,9..40,700;1,9..40,400&display=swap');

/* --- CSS Variables --- */
:root {
  --navy-deep: #06101f;
  --navy: #0b1a2e;
  --navy-mid: #112240;
  --navy-light: #162a4a;
  --silver: #c0c8d4;
  --silver-light: #dde3eb;
  --white: #f4f6f8;
  --accent: #8fa8c8;
  --gold: #b8976a;
  --gold-light: #d4b88a;

  --font-display: 'Cormorant Garamond', Georgia, serif;
  --font-body: 'DM Sans', system-ui, sans-serif;

  --max-width: 1200px;
  --max-width-narrow: 900px;
  --section-pad: 120px;
  --section-pad-mobile: 64px;

  --ease-out: cubic-bezier(0.16, 1, 0.3, 1);
  --ease-in-out: cubic-bezier(0.65, 0, 0.35, 1);
}

/* --- Reset --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }
body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.7;
  color: var(--silver);
  background: var(--navy-deep);
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: var(--accent); text-decoration: none; transition: color 0.3s; }
a:hover { color: var(--gold); }
ul, ol { list-style: none; }
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  color: var(--white);
  font-weight: 500;
  line-height: 1.15;
}

/* --- Utility --- */
.container { max-width: var(--max-width); margin: 0 auto; padding: 0 24px; }
.container--narrow { max-width: var(--max-width-narrow); margin: 0 auto; padding: 0 24px; }
.text-gold { color: var(--gold); }
.text-accent { color: var(--accent); }
.text-white { color: var(--white); }
.text-center { text-align: center; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); border: 0; }

/* --- Scroll Reveal --- */
.reveal {
  opacity: 0;
  transform: translateY(40px);
  transition: opacity 0.8s var(--ease-out), transform 0.8s var(--ease-out);
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}
.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
.reveal-delay-4 { transition-delay: 0.4s; }

/* ============================================
   NAVIGATION
   ============================================ */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  padding: 0 24px;
  transition: background 0.4s, box-shadow 0.4s, backdrop-filter 0.4s;
  background: rgba(6, 16, 31, 0.6);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}
.nav.scrolled {
  background: rgba(6, 16, 31, 0.95);
  box-shadow: 0 1px 0 rgba(143, 168, 200, 0.08);
  backdrop-filter: blur(20px);
}
.nav__inner {
  max-width: var(--max-width);
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}
.nav__logo img {
  height: 36px;
  width: auto;
}
.nav__logo-text {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 600;
  color: var(--white);
  letter-spacing: 0.5px;
}
.nav__links {
  display: flex;
  align-items: center;
  gap: 8px;
}
.nav__link {
  color: var(--silver);
  font-size: 14px;
  font-weight: 500;
  padding: 8px 16px;
  border-radius: 6px;
  transition: color 0.3s, background 0.3s;
  position: relative;
  letter-spacing: 0.2px;
}
.nav__link:hover {
  color: var(--white);
  background: rgba(143, 168, 200, 0.08);
}
.nav__link.active {
  color: var(--gold);
}

/* Dropdown */
.nav__dropdown {
  position: relative;
}
.nav__dropdown-trigger {
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav__dropdown-trigger::after {
  content: '';
  border: 4px solid transparent;
  border-top-color: var(--silver);
  margin-top: 2px;
  transition: transform 0.3s;
}
.nav__dropdown:hover .nav__dropdown-trigger::after {
  transform: rotate(180deg);
  border-top-color: var(--white);
}
.nav__dropdown-menu {
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 220px;
  background: var(--navy);
  border: 1px solid rgba(143, 168, 200, 0.1);
  border-radius: 8px;
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: all 0.3s var(--ease-out);
  box-shadow: 0 20px 60px rgba(0,0,0,0.4);
}
.nav__dropdown:hover .nav__dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.nav__dropdown-menu a {
  display: block;
  padding: 10px 14px;
  color: var(--silver);
  font-size: 14px;
  border-radius: 6px;
  transition: all 0.2s;
}
.nav__dropdown-menu a:hover {
  color: var(--white);
  background: rgba(143, 168, 200, 0.08);
}

/* CTA Button */
.nav__cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: transparent;
  border: 1px solid var(--gold);
  color: var(--gold) !important;
  padding: 10px 24px;
  border-radius: 6px;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.8px;
  text-transform: uppercase;
  transition: all 0.3s;
  margin-left: 16px;
}
.nav__cta:hover {
  background: var(--gold);
  color: var(--navy-deep) !important;
}

/* Mobile Nav */
.nav__hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  background: none;
  border: none;
  padding: 8px;
}
.nav__hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--silver);
  transition: all 0.3s;
}
.nav__hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.nav__hamburger.open span:nth-child(2) { opacity: 0; }
.nav__hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

@media (max-width: 900px) {
  .nav__hamburger { display: flex; }
  .nav__links {
    position: fixed;
    top: 72px;
    left: 0;
    right: 0;
    bottom: 0;
    width: 100%;
    height: calc(100vh - 72px);
    height: calc(100dvh - 72px);
    background: var(--navy-deep);
    flex-direction: column;
    align-items: stretch;
    padding: 24px;
    gap: 0;
    transform: translateX(100%);
    transition: transform 0.4s var(--ease-out);
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
    z-index: 999;
  }
  .nav__links.open { transform: translateX(0); }
  .nav__link { padding: 14px 16px; font-size: 16px; display: block; }
  .nav__dropdown { display: block; }
  .nav__dropdown-trigger { display: flex; width: 100%; }
  .nav__dropdown-menu {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    border: none;
    background: transparent;
    padding: 0 0 8px 16px;
    min-width: unset;
    display: none;
  }
  .nav__dropdown.open .nav__dropdown-menu { display: block; }
  .nav__dropdown-trigger::after { margin-left: auto; }
  .nav__dropdown-menu a { padding: 10px 16px; font-size: 15px; }
  .nav__cta { margin: 16px 0 0 0; text-align: center; justify-content: center; display: flex; }
}

/* ============================================
   BUTTONS
   ============================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-body);
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0.8px;
  text-transform: uppercase;
  padding: 16px 36px;
  border-radius: 6px;
  border: none;
  cursor: pointer;
  transition: all 0.35s var(--ease-out);
  text-decoration: none;
}
.btn--primary {
  background: var(--gold);
  color: var(--navy-deep);
}
.btn--primary:hover {
  background: var(--gold-light);
  color: var(--navy-deep);
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(184, 151, 106, 0.25);
}
.btn--outline {
  background: transparent;
  border: 1px solid var(--accent);
  color: var(--accent);
}
.btn--outline:hover {
  border-color: var(--white);
  color: var(--white);
  transform: translateY(-2px);
}
.btn--ghost {
  background: transparent;
  color: var(--gold);
  padding: 8px 0;
  letter-spacing: 0.5px;
}
.btn--ghost::after {
  content: '→';
  transition: transform 0.3s;
}
.btn--ghost:hover { color: var(--gold-light); }
.btn--ghost:hover::after { transform: translateX(4px); }

/* ============================================
   HERO SECTIONS
   ============================================ */
.hero {
  position: relative;
  padding: 180px 24px 140px;
  overflow: hidden;
  min-height: 85vh;
  display: flex;
  align-items: center;
}
.hero--short {
  min-height: auto;
  padding: 160px 24px 100px;
}
.hero__bg {
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 20% 50%, rgba(17, 34, 64, 0.6) 0%, transparent 70%),
              radial-gradient(ellipse at 80% 20%, rgba(143, 168, 200, 0.04) 0%, transparent 50%);
  pointer-events: none;
}
.hero__grid-line {
  position: absolute;
  background: rgba(143, 168, 200, 0.03);
}
.hero__grid-line--v { width: 1px; top: 0; bottom: 0; }
.hero__grid-line--h { height: 1px; left: 0; right: 0; }
.hero__content {
  position: relative;
  max-width: var(--max-width);
  margin: 0 auto;
  width: 100%;
}
.hero__eyebrow {
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 24px;
  display: flex;
  align-items: center;
  gap: 12px;
}
.hero__eyebrow::before {
  content: '';
  width: 40px;
  height: 1px;
  background: var(--gold);
}
.hero h1 {
  font-size: clamp(42px, 6vw, 80px);
  font-weight: 400;
  line-height: 1.05;
  max-width: 800px;
  margin-bottom: 28px;
  letter-spacing: -0.5px;
}
.hero h1 em {
  font-style: italic;
  color: var(--gold);
}
.hero__sub {
  font-size: 18px;
  color: var(--silver);
  max-width: 560px;
  line-height: 1.7;
  margin-bottom: 40px;
}
.hero__actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

/* Page hero (shorter, for inner pages) */
.page-hero {
  padding: 140px 24px 80px;
  position: relative;
}
.page-hero__bg {
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 30% 80%, rgba(17, 34, 64, 0.5) 0%, transparent 60%);
  pointer-events: none;
}
.page-hero .container { position: relative; }

/* Breadcrumb */
.breadcrumb {
  font-size: 13px;
  color: var(--silver);
  margin-bottom: 20px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.breadcrumb a { color: var(--accent); }
.breadcrumb span { opacity: 0.4; }

/* ============================================
   SECTIONS
   ============================================ */
.section {
  padding: var(--section-pad) 24px;
  position: relative;
}
.section--alt {
  background: var(--navy);
}
.section--dark {
  background: var(--navy-deep);
}
.section__header {
  max-width: 700px;
  margin-bottom: 64px;
}
.section__header.text-center {
  margin-left: auto;
  margin-right: auto;
}
.section__eyebrow {
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  gap: 12px;
}
.section__eyebrow::before {
  content: '';
  width: 24px;
  height: 1px;
  background: var(--gold);
}
.text-center .section__eyebrow {
  justify-content: center;
}
.text-center .section__eyebrow::before {
  display: none;
}
.section__title {
  font-size: clamp(32px, 4vw, 52px);
  margin-bottom: 16px;
}
.section__subtitle {
  font-size: 17px;
  color: var(--silver);
  line-height: 1.7;
}

/* Divider line */
.divider {
  height: 1px;
  background: linear-gradient(to right, transparent, rgba(143, 168, 200, 0.12), transparent);
  margin: 0 auto;
  max-width: var(--max-width);
}

/* ============================================
   STATS BAR
   ============================================ */
.stats-bar {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border-top: 1px solid rgba(143, 168, 200, 0.08);
  border-bottom: 1px solid rgba(143, 168, 200, 0.08);
}
.stats-bar__item {
  padding: 48px 24px;
  text-align: center;
  position: relative;
}
.stats-bar__item:not(:last-child)::after {
  content: '';
  position: absolute;
  right: 0;
  top: 20%;
  height: 60%;
  width: 1px;
  background: rgba(143, 168, 200, 0.08);
}
.stats-bar__number {
  font-family: var(--font-display);
  font-size: clamp(36px, 4vw, 56px);
  font-weight: 400;
  color: var(--white);
  line-height: 1;
  margin-bottom: 8px;
}
.stats-bar__number .gold {
  color: var(--gold);
}
.stats-bar__label {
  font-size: 13px;
  color: var(--silver);
  letter-spacing: 0.5px;
}

@media (max-width: 768px) {
  .stats-bar { grid-template-columns: repeat(2, 1fr); }
  .stats-bar__item:nth-child(2)::after { display: none; }
  .stats-bar__item { padding: 32px 16px; }
}

/* ============================================
   CARDS
   ============================================ */
.card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.card-grid--2 { grid-template-columns: repeat(2, 1fr); }
.card-grid--4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: var(--navy);
  border: 1px solid rgba(143, 168, 200, 0.06);
  border-radius: 10px;
  padding: 40px 32px;
  transition: all 0.4s var(--ease-out);
  position: relative;
  overflow: hidden;
}
.card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: linear-gradient(to right, var(--gold), transparent);
  opacity: 0;
  transition: opacity 0.4s;
}
.card:hover {
  border-color: rgba(143, 168, 200, 0.12);
  transform: translateY(-4px);
  box-shadow: 0 20px 60px rgba(0,0,0,0.3);
}
.card:hover::before { opacity: 1; }
.card__icon {
  width: 48px;
  height: 48px;
  border-radius: 10px;
  background: rgba(184, 151, 106, 0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
  color: var(--gold);
  font-size: 20px;
}
.card__title {
  font-family: var(--font-display);
  font-size: 22px;
  color: var(--white);
  margin-bottom: 12px;
  font-weight: 500;
}
.card__text {
  font-size: 15px;
  color: var(--silver);
  line-height: 1.7;
  margin-bottom: 20px;
}
.card__link {
  font-size: 13px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.5px;
  text-transform: uppercase;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: gap 0.3s;
}
.card__link::after { content: '→'; }
.card:hover .card__link { gap: 10px; }

@media (max-width: 900px) {
  .card-grid { grid-template-columns: 1fr; }
  .card-grid--2 { grid-template-columns: 1fr; }
  .card-grid--4 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  .card-grid--4 { grid-template-columns: 1fr; }
}

/* ============================================
   CLIENT LOGOS
   ============================================ */
.clients {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 40px 56px;
  align-items: center;
}
.clients__item {
  font-family: var(--font-display);
  font-size: 16px;
  font-weight: 500;
  color: rgba(192, 200, 212, 0.4);
  letter-spacing: 0.5px;
  transition: color 0.3s;
  white-space: nowrap;
}
.clients__item:hover {
  color: rgba(192, 200, 212, 0.7);
}

/* ============================================
   TESTIMONIALS
   ============================================ */
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.testimonial {
  background: var(--navy);
  border: 1px solid rgba(143, 168, 200, 0.06);
  border-radius: 10px;
  padding: 40px 36px;
  position: relative;
}
.testimonial__stars {
  color: var(--gold);
  font-size: 14px;
  letter-spacing: 2px;
  margin-bottom: 20px;
}
.testimonial__text {
  font-size: 16px;
  color: var(--silver-light);
  line-height: 1.8;
  margin-bottom: 24px;
  font-style: italic;
}
.testimonial__author {
  font-size: 14px;
  font-weight: 600;
  color: var(--white);
}
.testimonial__role {
  font-size: 13px;
  color: var(--silver);
  margin-top: 2px;
}

@media (max-width: 768px) {
  .testimonial-grid { grid-template-columns: 1fr; }
}

/* ============================================
   PROCESS / TIMELINE
   ============================================ */
.process-steps {
  position: relative;
  max-width: 700px;
  margin: 0 auto;
}
.process-steps::before {
  content: '';
  position: absolute;
  left: 24px;
  top: 0;
  bottom: 0;
  width: 1px;
  background: linear-gradient(to bottom, var(--gold), rgba(143, 168, 200, 0.1));
}
.process-step {
  position: relative;
  padding-left: 72px;
  padding-bottom: 48px;
}
.process-step:last-child { padding-bottom: 0; }
.process-step__number {
  position: absolute;
  left: 0;
  top: 0;
  width: 49px;
  height: 49px;
  border-radius: 50%;
  background: var(--navy);
  border: 1px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: 18px;
  color: var(--gold);
  font-weight: 600;
}
.process-step__title {
  font-family: var(--font-display);
  font-size: 22px;
  color: var(--white);
  margin-bottom: 8px;
  font-weight: 500;
}
.process-step__text {
  font-size: 15px;
  color: var(--silver);
  line-height: 1.7;
}

/* ============================================
   FAQ ACCORDION
   ============================================ */
.faq-list {
  max-width: 800px;
  margin: 0 auto;
}
.faq-item {
  border-bottom: 1px solid rgba(143, 168, 200, 0.08);
}
.faq-item__question {
  width: 100%;
  background: none;
  border: none;
  padding: 24px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  text-align: left;
  font-family: var(--font-body);
  font-size: 16px;
  font-weight: 500;
  color: var(--white);
  gap: 16px;
  transition: color 0.3s;
}
.faq-item__question:hover { color: var(--gold); }
.faq-item__icon {
  width: 24px;
  height: 24px;
  flex-shrink: 0;
  position: relative;
}
.faq-item__icon::before,
.faq-item__icon::after {
  content: '';
  position: absolute;
  background: var(--silver);
  transition: transform 0.3s;
}
.faq-item__icon::before {
  width: 14px; height: 1px;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
}
.faq-item__icon::after {
  width: 1px; height: 14px;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
}
.faq-item.open .faq-item__icon::after {
  transform: translate(-50%, -50%) rotate(90deg);
}
.faq-item__answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s var(--ease-out);
}
.faq-item__answer-inner {
  padding: 0 0 24px;
  font-size: 15px;
  color: var(--silver);
  line-height: 1.7;
}

/* ============================================
   CASE STUDY CARDS
   ============================================ */
.case-card {
  background: var(--navy);
  border: 1px solid rgba(143, 168, 200, 0.06);
  border-radius: 10px;
  padding: 48px 40px;
  transition: all 0.4s var(--ease-out);
}
.case-card:hover {
  border-color: rgba(143, 168, 200, 0.12);
  transform: translateY(-4px);
  box-shadow: 0 20px 60px rgba(0,0,0,0.3);
}
.case-card__eyebrow {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}
.case-card__title {
  font-family: var(--font-display);
  font-size: 26px;
  color: var(--white);
  margin-bottom: 16px;
  font-weight: 500;
}
.case-card__meta {
  font-size: 14px;
  color: var(--silver);
  margin-bottom: 20px;
}
.case-card__stats {
  display: flex;
  gap: 32px;
  margin-bottom: 20px;
  flex-wrap: wrap;
}
.case-card__stat-value {
  font-family: var(--font-display);
  font-size: 24px;
  color: var(--gold);
  font-weight: 500;
}
.case-card__stat-label {
  font-size: 12px;
  color: var(--silver);
  margin-top: 2px;
}

/* ============================================
   ABOUT / BIO
   ============================================ */
.bio-section {
  display: grid;
  grid-template-columns: 340px 1fr;
  gap: 64px;
  align-items: start;
}
.bio__photo {
  border-radius: 10px;
  overflow: hidden;
  position: relative;
}
.bio__photo img {
  width: 100%;
  aspect-ratio: 3/4;
  object-fit: cover;
}
.bio__photo::after {
  content: '';
  position: absolute;
  inset: 0;
  border: 1px solid rgba(143, 168, 200, 0.08);
  border-radius: 10px;
  pointer-events: none;
}
.bio__content h2 {
  font-size: 40px;
  margin-bottom: 24px;
}
.bio__content p {
  margin-bottom: 16px;
  font-size: 16px;
  line-height: 1.8;
}

@media (max-width: 768px) {
  .bio-section {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .bio__photo {
    max-width: 280px;
  }
}

/* ============================================
   CALENDLY EMBED
   ============================================ */
.calendly-section {
  background: var(--navy);
}
.calendly-inline-widget {
  min-width: 320px;
  height: 700px;
  border-radius: 10px;
  overflow: hidden;
}

/* ============================================
   CTA BAND
   ============================================ */
.cta-band {
  padding: 100px 24px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-band__bg {
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at center, rgba(184, 151, 106, 0.06) 0%, transparent 60%);
  pointer-events: none;
}
.cta-band .container { position: relative; }
.cta-band h2 {
  font-size: clamp(32px, 4vw, 48px);
  margin-bottom: 16px;
}
.cta-band p {
  font-size: 17px;
  color: var(--silver);
  margin-bottom: 36px;
  max-width: 500px;
  margin-left: auto;
  margin-right: auto;
}

/* ============================================
   FOOTER
   ============================================ */
.footer {
  background: var(--navy);
  border-top: 1px solid rgba(143, 168, 200, 0.06);
  padding: 80px 24px 40px;
}
.footer__grid {
  max-width: var(--max-width);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 60px;
}
.footer__brand-name {
  font-family: var(--font-display);
  font-size: 20px;
  color: var(--white);
  font-weight: 600;
  margin-bottom: 16px;
}
.footer__brand-desc {
  font-size: 14px;
  color: var(--silver);
  line-height: 1.7;
  max-width: 300px;
}
.footer__heading {
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--white);
  margin-bottom: 20px;
}
.footer__link {
  display: block;
  font-size: 14px;
  color: var(--silver);
  margin-bottom: 12px;
  transition: color 0.3s;
}
.footer__link:hover { color: var(--white); }
.footer__bottom {
  max-width: var(--max-width);
  margin: 0 auto;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 32px;
  border-top: 1px solid rgba(143, 168, 200, 0.06);
  font-size: 13px;
  color: rgba(192, 200, 212, 0.4);
}
.footer__contact {
  display: flex;
  gap: 24px;
}
.footer__contact a {
  color: rgba(192, 200, 212, 0.4);
}
.footer__contact a:hover { color: var(--silver); }

@media (max-width: 768px) {
  .footer__grid {
    grid-template-columns: 1fr 1fr;
    gap: 32px;
  }
  .footer__bottom {
    flex-direction: column;
    gap: 12px;
    text-align: center;
  }
}
@media (max-width: 480px) {
  .footer__grid { grid-template-columns: 1fr; }
}

/* ============================================
   BLOG
   ============================================ */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.blog-card {
  background: var(--navy);
  border: 1px solid rgba(143, 168, 200, 0.06);
  border-radius: 10px;
  padding: 40px 36px;
  transition: all 0.4s var(--ease-out);
  display: flex;
  flex-direction: column;
}
.blog-card:hover {
  border-color: rgba(143, 168, 200, 0.12);
  transform: translateY(-4px);
}
.blog-card__date {
  font-size: 13px;
  color: var(--silver);
  margin-bottom: 12px;
}
.blog-card__title {
  font-family: var(--font-display);
  font-size: 22px;
  color: var(--white);
  margin-bottom: 12px;
  font-weight: 500;
  line-height: 1.3;
}
.blog-card__excerpt {
  font-size: 15px;
  color: var(--silver);
  line-height: 1.7;
  margin-bottom: 20px;
  flex-grow: 1;
}

@media (max-width: 768px) {
  .blog-grid { grid-template-columns: 1fr; }
}

/* ============================================
   ARTICLE / EDUCATION CONTENT
   ============================================ */
.article-content {
  max-width: 720px;
  margin: 0 auto;
}
.article-content h2 {
  font-size: 32px;
  margin: 48px 0 16px;
}
.article-content h3 {
  font-size: 24px;
  margin: 36px 0 12px;
}
.article-content p {
  margin-bottom: 20px;
  font-size: 16px;
  line-height: 1.8;
}
.article-content ul, .article-content ol {
  margin-bottom: 20px;
  padding-left: 24px;
}
.article-content li {
  margin-bottom: 8px;
  font-size: 16px;
  line-height: 1.7;
  list-style: disc;
  color: var(--silver);
}
.article-content ol li { list-style: decimal; }
.article-content strong { color: var(--white); }
.article-content blockquote {
  border-left: 3px solid var(--gold);
  padding: 16px 24px;
  margin: 32px 0;
  font-style: italic;
  color: var(--silver-light);
  background: rgba(184, 151, 106, 0.04);
  border-radius: 0 8px 8px 0;
}

/* ============================================
   LOAN TYPE / SERVICE DETAIL PAGES
   ============================================ */
.detail-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}
.detail-grid--reverse { direction: rtl; }
.detail-grid--reverse > * { direction: ltr; }

.detail-list {
  list-style: none;
  padding: 0;
}
.detail-list li {
  padding: 12px 0;
  border-bottom: 1px solid rgba(143, 168, 200, 0.06);
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 15px;
  color: var(--silver);
}
.detail-list li::before {
  content: '✓';
  color: var(--gold);
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 1px;
}

@media (max-width: 768px) {
  .detail-grid { grid-template-columns: 1fr; gap: 32px; }
}

/* ============================================
   VALUES GRID
   ============================================ */
.values-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.value-item {
  padding: 32px;
  border-left: 2px solid var(--gold);
}
.value-item__title {
  font-family: var(--font-display);
  font-size: 20px;
  color: var(--white);
  margin-bottom: 8px;
  font-weight: 500;
}
.value-item__text {
  font-size: 15px;
  color: var(--silver);
  line-height: 1.7;
}

@media (max-width: 768px) {
  .values-grid { grid-template-columns: 1fr; }
}

/* ============================================
   MISC
   ============================================ */
.tag {
  display: inline-block;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: 4px;
  background: rgba(184, 151, 106, 0.1);
  color: var(--gold);
}

/* Loan type mini cards */
.loan-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.loan-card {
  background: rgba(17, 34, 64, 0.5);
  border: 1px solid rgba(143, 168, 200, 0.06);
  border-radius: 10px;
  padding: 32px 28px;
  text-align: center;
  transition: all 0.4s var(--ease-out);
}
.loan-card:hover {
  border-color: var(--gold);
  transform: translateY(-4px);
}
.loan-card__title {
  font-family: var(--font-display);
  font-size: 20px;
  color: var(--white);
  margin-bottom: 8px;
  font-weight: 500;
}
.loan-card__text {
  font-size: 14px;
  color: var(--silver);
  margin-bottom: 16px;
}

@media (max-width: 768px) {
  .loan-grid { grid-template-columns: 1fr; }
}

/* ============================================
   RESPONSIVE HELPERS
   ============================================ */
@media (max-width: 768px) {
  :root {
    --section-pad: 80px;
  }
  .hero {
    padding: 140px 24px 80px;
    min-height: auto;
  }
  .hero h1 { max-width: 100%; }
  .hero--short { padding: 120px 24px 60px; }
  .page-hero { padding: 120px 24px 60px; }
}

/* ============================================
   ACCESSIBILITY — Focus States (CRITICAL)
   ============================================ */
*:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
  border-radius: 4px;
}
button:focus-visible,
.btn:focus-visible,
.nav__cta:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
}
.faq-item__question:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: -2px;
}

/* ============================================
   ACCESSIBILITY — Reduced Motion
   ============================================ */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
  .reveal {
    opacity: 1;
    transform: none;
  }
}

/* ============================================
   SVG CARD ICONS (replaces emoji)
   ============================================ */
.card__icon svg {
  width: 24px;
  height: 24px;
  stroke: var(--gold);
  stroke-width: 1.5;
  fill: none;
  stroke-linecap: round;
  stroke-linejoin: round;
}

/* ============================================
   FRICTION REDUCERS
   ============================================ */
.friction-reducer {
  display: flex;
  justify-content: center;
  gap: 24px;
  margin-top: 16px;
  flex-wrap: wrap;
}
.friction-reducer__item {
  font-size: 13px;
  color: var(--silver);
  display: flex;
  align-items: center;
  gap: 6px;
}
.friction-reducer__item svg {
  width: 14px;
  height: 14px;
  stroke: var(--gold);
  stroke-width: 2;
  fill: none;
}

/* CTA micro-copy below buttons */
.cta-micro {
  font-size: 13px;
  color: var(--silver);
  margin-top: 12px;
  text-align: center;
}

/* ============================================
   COMPETITOR DIFFERENTIATOR STRIP
   ============================================ */
.diff-strip {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border: 1px solid rgba(143, 168, 200, 0.08);
  border-radius: 10px;
  overflow: hidden;
}
.diff-strip__item {
  padding: 32px 24px;
  text-align: center;
  border-right: 1px solid rgba(143, 168, 200, 0.06);
  transition: background 0.3s;
}
.diff-strip__item:last-child { border-right: none; }
.diff-strip__item:hover { background: rgba(184, 151, 106, 0.04); }
.diff-strip__label {
  font-family: var(--font-body);
  font-size: 13px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.5px;
  text-transform: uppercase;
  margin-bottom: 8px;
}
.diff-strip__text {
  font-size: 14px;
  color: var(--silver);
  line-height: 1.6;
}

@media (max-width: 768px) {
  .diff-strip { grid-template-columns: repeat(2, 1fr); }
  .diff-strip__item:nth-child(2) { border-right: none; }
  .friction-reducer { gap: 16px; }
}
@media (max-width: 480px) {
  .diff-strip { grid-template-columns: 1fr; }
  .diff-strip__item { border-right: none; border-bottom: 1px solid rgba(143,168,200,0.06); }
  .diff-strip__item:last-child { border-bottom: none; }
}