/* ============================================
   BlueChip Financial — Finance Template
   Color Palette:
     Primary:   #0d4f3c (forest green)
     Secondary: #166534
     Accent:    #b8860b (dark gold)
     Dark:      #1c1c1c
     Light:     #faf9f6
   ============================================ */

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  color: #1c1c1c;
  background: #faf9f6;
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6 {
  font-family: Georgia, "Times New Roman", "Palatino Linotype", serif;
  font-weight: 700;
  line-height: 1.25;
  color: #0d4f3c;
}

h1 { font-size: 2.75rem; }
h2 { font-size: 2.1rem; }
h3 { font-size: 1.5rem; }
h4 { font-size: 1.2rem; }

p { margin-bottom: 1rem; }

a {
  color: #0d4f3c;
  text-decoration: none;
  transition: color 0.25s ease;
}
a:hover { color: #b8860b; }

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

ul, ol { list-style-position: inside; }

/* --- Utility --- */
.container {
  width: 100%;
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 1.25rem;
}

.section {
  padding: 5rem 0;
}

.section--alt {
  background: #f0eeea;
}

.section--dark {
  background: #0d4f3c;
  color: #faf9f6;
}

.section--dark h2,
.section--dark h3,
.section--dark h4 {
  color: #faf9f6;
}

.text-center { text-align: center; }
.text-accent { color: #b8860b; }

.section-subtitle {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.05rem;
  color: #555;
  max-width: 680px;
  margin: 0.75rem auto 2.5rem;
  text-align: center;
  font-style: italic;
}

/* Gold horizontal rule */
.gold-rule {
  width: 60px;
  height: 3px;
  background: #b8860b;
  border: none;
  margin: 1.25rem auto 2rem;
}

/* --- Buttons --- */
.btn {
  display: inline-block;
  padding: 0.85rem 2.25rem;
  border-radius: 3px;
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: 0.3px;
  cursor: pointer;
  transition: all 0.3s ease;
  border: 2px solid transparent;
  text-align: center;
}

.btn--primary {
  background: #b8860b;
  color: #fff;
  border-color: #b8860b;
}
.btn--primary:hover {
  background: #9a7209;
  border-color: #9a7209;
  color: #fff;
}

.btn--outline {
  background: transparent;
  color: #faf9f6;
  border-color: #b8860b;
}
.btn--outline:hover {
  background: #b8860b;
  color: #fff;
}

.btn--dark {
  background: #0d4f3c;
  color: #fff;
  border-color: #0d4f3c;
}
.btn--dark:hover {
  background: #166534;
  border-color: #166534;
  color: #fff;
}

/* ============================
   HEADER / NAVIGATION
   ============================ */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  z-index: 1000;
  background: rgba(250, 249, 246, 0.97);
  border-bottom: 1px solid rgba(13, 79, 60, 0.1);
  transition: box-shadow 0.3s ease;
}

.site-header.scrolled {
  box-shadow: 0 2px 20px rgba(0, 0, 0, 0.08);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 80px;
}

.logo {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.35rem;
  font-weight: 700;
  color: #0d4f3c;
  letter-spacing: -0.3px;
}

.logo span {
  color: #b8860b;
}

.logo-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  background: linear-gradient(135deg, #0d4f3c, #166534);
  color: #faf9f6;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.5px;
  border-radius: 4px;
  margin-right: 0.5rem;
  vertical-align: middle;
  line-height: 1;
}

.footer-brand .logo-icon {
  background: linear-gradient(135deg, #b8860b, #9a7209);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 2rem;
  list-style: none;
}

.nav-links a {
  font-size: 0.9rem;
  font-weight: 500;
  color: #1c1c1c;
  letter-spacing: 0.2px;
  position: relative;
  padding-bottom: 4px;
}

.nav-links a::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0;
  width: 0;
  height: 2px;
  background: #b8860b;
  transition: width 0.3s ease;
}

.nav-links a:hover::after,
.nav-links a.active::after {
  width: 100%;
}

.nav-links a:hover {
  color: #0d4f3c;
}

.nav-cta {
  margin-left: 0.5rem;
}

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  background: none;
  border: none;
  padding: 5px;
}

.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: #0d4f3c;
  transition: all 0.3s ease;
}

.hamburger.active span:nth-child(1) {
  transform: rotate(45deg) translate(5px, 5px);
}
.hamburger.active span:nth-child(2) {
  opacity: 0;
}
.hamburger.active span:nth-child(3) {
  transform: rotate(-45deg) translate(5px, -5px);
}

/* ============================
   HERO
   ============================ */
.hero {
  padding: 10rem 0 6rem;
  background: linear-gradient(160deg, #0d4f3c 0%, #166534 50%, #0d4f3c 100%);
  color: #faf9f6;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: "";
  position: absolute;
  top: -40%;
  right: -20%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(184, 134, 11, 0.08) 0%, transparent 70%);
  border-radius: 50%;
}

.hero h1 {
  color: #faf9f6;
  font-size: 3.25rem;
  max-width: 700px;
  margin-bottom: 1.25rem;
}

.hero p {
  font-size: 1.15rem;
  max-width: 560px;
  opacity: 0.9;
  margin-bottom: 2.25rem;
  line-height: 1.8;
}

.hero-buttons {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

/* ============================
   TRUST BAR
   ============================ */
.trust-bar {
  background: #faf9f6;
  border-bottom: 1px solid #e8e5df;
  padding: 2rem 0;
}

.trust-items {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 3rem;
  flex-wrap: wrap;
}

.trust-item {
  text-align: center;
}

.trust-item strong {
  display: block;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.75rem;
  color: #0d4f3c;
  margin-bottom: 0.25rem;
}

.trust-item span {
  font-size: 0.85rem;
  color: #666;
  text-transform: uppercase;
  letter-spacing: 1px;
}

/* ============================
   SERVICES GRID
   ============================ */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 2rem;
  margin-top: 2rem;
}

.service-card {
  background: #fff;
  border: 1px solid #e8e5df;
  border-radius: 4px;
  padding: 2.5rem 2rem;
  transition: all 0.3s ease;
  position: relative;
}

.service-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 3px;
  background: #b8860b;
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.3s ease;
}

.service-card:hover {
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.08);
  transform: translateY(-2px);
}

.service-card:hover::before {
  transform: scaleX(1);
}

.service-icon {
  font-size: 2rem;
  margin-bottom: 1rem;
  color: #b8860b;
}

.service-card h3 {
  margin-bottom: 0.75rem;
  font-size: 1.25rem;
}

.service-card p {
  font-size: 0.95rem;
  color: #555;
}

.service-card .learn-more {
  display: inline-block;
  margin-top: 1rem;
  font-size: 0.9rem;
  font-weight: 600;
  color: #b8860b;
}

.service-card .learn-more:hover {
  color: #0d4f3c;
}

/* ============================
   TESTIMONIALS
   ============================ */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(340px, 1fr));
  gap: 2rem;
  margin-top: 2rem;
}

.testimonial-card {
  background: #fff;
  border: 1px solid #e8e5df;
  border-radius: 4px;
  padding: 2.5rem;
  position: relative;
}

.testimonial-card::before {
  content: "\201C";
  font-family: Georgia, serif;
  font-size: 4rem;
  color: #b8860b;
  opacity: 0.3;
  position: absolute;
  top: 10px;
  left: 20px;
  line-height: 1;
}

.testimonial-card blockquote {
  font-style: italic;
  font-size: 1.02rem;
  color: #333;
  margin-bottom: 1.5rem;
  line-height: 1.75;
}

.testimonial-author {
  font-weight: 600;
  color: #0d4f3c;
}

.testimonial-role {
  font-size: 0.85rem;
  color: #888;
}

/* ============================
   CTA SECTION
   ============================ */
.cta-section {
  padding: 5rem 0;
  background: linear-gradient(135deg, #0d4f3c, #166534);
  color: #faf9f6;
  text-align: center;
}

.cta-section h2 {
  color: #faf9f6;
  margin-bottom: 1rem;
}

.cta-section p {
  max-width: 540px;
  margin: 0 auto 2rem;
  opacity: 0.9;
}

/* ============================
   ABOUT PAGE
   ============================ */
.page-header {
  padding: 9rem 0 4rem;
  background: linear-gradient(160deg, #0d4f3c 0%, #166534 100%);
  color: #faf9f6;
  text-align: center;
}

.page-header h1 {
  color: #faf9f6;
}

.page-header p {
  max-width: 600px;
  margin: 1rem auto 0;
  opacity: 0.85;
  font-size: 1.1rem;
}

/* Two-column layout */
.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.two-col--reverse {
  direction: rtl;
}

.two-col--reverse > * {
  direction: ltr;
}

/* Team */
.team-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 2rem;
  margin-top: 2rem;
}

.team-card {
  text-align: center;
  background: #fff;
  border: 1px solid #e8e5df;
  border-radius: 4px;
  padding: 2.5rem 1.5rem;
  transition: box-shadow 0.3s ease;
}

.team-card:hover {
  box-shadow: 0 6px 24px rgba(0, 0, 0, 0.07);
}

.team-avatar {
  width: 90px;
  height: 90px;
  border-radius: 50%;
  background: linear-gradient(135deg, #0d4f3c, #166534);
  margin: 0 auto 1.25rem;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: Georgia, serif;
  font-size: 1.5rem;
  color: #faf9f6;
  font-weight: 700;
}

.team-card h3 {
  font-size: 1.15rem;
  margin-bottom: 0.25rem;
}

.team-card .credentials {
  font-size: 0.85rem;
  color: #b8860b;
  font-weight: 600;
  margin-bottom: 0.5rem;
}

.team-card p {
  font-size: 0.9rem;
  color: #666;
}

/* Awards */
.awards-list {
  list-style: none;
  margin-top: 1.5rem;
}

.awards-list li {
  padding: 0.75rem 0;
  border-bottom: 1px solid #e8e5df;
  font-size: 0.95rem;
  color: #333;
}

.awards-list li:last-child {
  border-bottom: none;
}

.awards-list li strong {
  color: #0d4f3c;
}

/* ============================
   SERVICES PAGE (DETAILED)
   ============================ */
.service-detail {
  padding: 3.5rem 0;
  border-bottom: 1px solid #e8e5df;
}

.service-detail:last-child {
  border-bottom: none;
}

.service-detail h2 {
  margin-bottom: 0.5rem;
}

.service-detail .service-tag {
  display: inline-block;
  font-size: 0.8rem;
  color: #b8860b;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  margin-bottom: 1rem;
}

.service-detail p {
  max-width: 760px;
  color: #444;
}

.service-detail ul {
  margin: 1rem 0;
  padding-left: 1.25rem;
  list-style-position: outside;
}

.service-detail ul li {
  padding: 0.3rem 0;
  color: #444;
}

/* ============================
   BLOG
   ============================ */
.blog-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem;
  max-width: 800px;
  margin: 0 auto;
}

.blog-post {
  background: #fff;
  border: 1px solid #e8e5df;
  border-radius: 4px;
  padding: 2.5rem;
}

.blog-meta {
  font-size: 0.85rem;
  color: #888;
  margin-bottom: 0.75rem;
}

.blog-post h2 {
  font-size: 1.6rem;
  margin-bottom: 1rem;
}

.blog-post h2 a {
  color: #0d4f3c;
}

.blog-post h2 a:hover {
  color: #b8860b;
}

.blog-content {
  color: #444;
  font-size: 0.98rem;
}

.blog-content p {
  margin-bottom: 1rem;
}

.blog-content h3 {
  font-size: 1.2rem;
  margin: 1.5rem 0 0.75rem;
}

.blog-content ul,
.blog-content ol {
  margin: 0.75rem 0 1rem 1.25rem;
  list-style-position: outside;
}

.blog-content li {
  padding: 0.2rem 0;
  color: #444;
}

.blog-tag {
  display: inline-block;
  background: #f0eeea;
  color: #0d4f3c;
  font-size: 0.78rem;
  padding: 0.25rem 0.75rem;
  border-radius: 2px;
  margin-right: 0.5rem;
  font-weight: 500;
}

/* ============================
   CONTACT
   ============================ */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  margin-top: 2rem;
}

.contact-info h3 {
  margin-bottom: 1rem;
}

.contact-info p {
  color: #555;
  font-size: 0.95rem;
}

.contact-info-item {
  margin-bottom: 1.5rem;
}

.contact-info-item strong {
  display: block;
  color: #0d4f3c;
  margin-bottom: 0.25rem;
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.contact-form label {
  display: block;
  font-size: 0.9rem;
  font-weight: 600;
  color: #333;
  margin-bottom: 0.35rem;
}

.contact-form input,
.contact-form textarea,
.contact-form select {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1px solid #d0cdc7;
  border-radius: 3px;
  font-size: 0.95rem;
  font-family: inherit;
  background: #fff;
  color: #1c1c1c;
  margin-bottom: 1.25rem;
  transition: border-color 0.25s ease;
}

.contact-form input:focus,
.contact-form textarea:focus,
.contact-form select:focus {
  outline: none;
  border-color: #0d4f3c;
  box-shadow: 0 0 0 3px rgba(13, 79, 60, 0.08);
}

.contact-form textarea {
  resize: vertical;
  min-height: 140px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

/* ============================
   PRIVACY / LEGAL
   ============================ */
.legal-content {
  max-width: 780px;
  margin: 0 auto;
  padding: 3rem 0;
}

.legal-content h2 {
  font-size: 1.5rem;
  margin: 2.5rem 0 0.75rem;
}

.legal-content h3 {
  font-size: 1.2rem;
  margin: 1.5rem 0 0.5rem;
}

.legal-content p,
.legal-content li {
  color: #444;
  font-size: 0.95rem;
}

.legal-content ul {
  margin: 0.75rem 0 1rem 1.25rem;
  list-style-position: outside;
}

/* ============================
   FOOTER
   ============================ */
.site-footer {
  background: #1c1c1c;
  color: #ccc;
  padding: 4rem 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 2.5rem;
}

.footer-brand .logo {
  color: #faf9f6;
  margin-bottom: 1rem;
  display: inline-block;
}

.footer-brand p {
  font-size: 0.9rem;
  color: #999;
  line-height: 1.6;
}

.site-footer h4 {
  color: #faf9f6;
  font-size: 1rem;
  margin-bottom: 1.25rem;
  font-family: "Segoe UI", Roboto, Arial, sans-serif;
  font-weight: 600;
}

.footer-links {
  list-style: none;
}

.footer-links li {
  margin-bottom: 0.6rem;
}

.footer-links a {
  color: #999;
  font-size: 0.9rem;
  transition: color 0.25s ease;
}

.footer-links a:hover {
  color: #b8860b;
}

.footer-bottom {
  margin-top: 3rem;
  padding: 1.5rem 0;
  border-top: 1px solid #333;
  text-align: center;
  font-size: 0.82rem;
  color: #777;
}

.footer-bottom a {
  color: #999;
}

.footer-bottom a:hover {
  color: #b8860b;
}

.disclosure {
  font-size: 0.78rem;
  color: #777;
  margin-top: 0.75rem;
  line-height: 1.6;
  max-width: 700px;
  margin-left: auto;
  margin-right: auto;
}

/* ============================
   ANIMATIONS (IntersectionObserver)
   ============================ */
.fade-in {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}

.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ============================
   RESPONSIVE
   ============================ */
@media (max-width: 968px) {
  .nav-links {
    position: fixed;
    top: 80px;
    left: 0;
    width: 100%;
    background: #faf9f6;
    flex-direction: column;
    padding: 2rem;
    gap: 1.25rem;
    border-bottom: 1px solid #e8e5df;
    transform: translateY(-120%);
    transition: transform 0.35s ease;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.08);
  }

  .nav-links.open {
    transform: translateY(0);
  }

  .hamburger {
    display: flex;
  }

  .nav-cta {
    margin-left: 0;
  }

  .two-col {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .two-col--reverse {
    direction: ltr;
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
  }

  .contact-grid {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }

  .hero h1 {
    font-size: 2.5rem;
  }

  h1 { font-size: 2.25rem; }
  h2 { font-size: 1.75rem; }
}

@media (max-width: 600px) {
  .hero {
    padding: 8rem 0 4rem;
  }

  .hero h1 {
    font-size: 2rem;
  }

  .section {
    padding: 3.5rem 0;
  }

  .trust-items {
    gap: 1.5rem;
  }

  .services-grid {
    grid-template-columns: 1fr;
  }

  .testimonials-grid {
    grid-template-columns: 1fr;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    grid-template-columns: 1fr;
  }

  .team-grid {
    grid-template-columns: 1fr;
  }

  h1 { font-size: 1.85rem; }
  h2 { font-size: 1.5rem; }
}