/* ==========================================================================
   PERPETUAL INDEPENDENT FINANCIAL ADVICE (PERPETUAL IFA)
   Modern Production Stylesheet
   Architecture: Mobile-First, Accessible (WCAG AA), Fluid & Responsive
   Authorised and Regulated by the Financial Conduct Authority (FCA Ref: 750602)
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. Design Tokens & Custom Properties
   -------------------------------------------------------------------------- */
:root {
  /* Brand Color Palette */
  --color-primary-navy: #0b1a30;
  --color-primary-light: #152b4d;
  --color-primary-dark: #060e1b;
  --color-accent-gold: #c59b27;
  --color-accent-gold-hover: #b0871a;
  --color-accent-gold-light: #fef7e6;
  --color-accent-gold-border: #dfbb5a;
  --color-teal: #134e5e;
  --color-teal-light: #e6f3f5;

  /* Neutral Spectrum */
  --color-bg-body: #ffffff;
  --color-bg-surface: #f8fafc;
  --color-bg-card: #ffffff;
  --color-bg-alt: #f1f5f9;
  --color-bg-navy-surface: #102444;
  --color-text-main: #0f172a;
  --color-text-body: #334155;
  --color-text-muted: #475569;
  --color-text-inverse: #ffffff;
  --color-border-subtle: #e2e8f0;
  --color-border-medium: #cbd5e1;
  --color-border-strong: #94a3b8;

  /* Functional Status Colors */
  --color-warning-bg: #fffbeb;
  --color-warning-border: #fcd34d;
  --color-warning-text: #92400e;
  --color-success-bg: #ecfdf5;
  --color-success-border: #a7f3d0;
  --color-success-text: #065f46;

  /* Typography Scale */
  --font-sans: 'Inter', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, sans-serif;
  --font-serif: 'Cinzel', Georgia, 'Times New Roman', serif;

  --font-size-xs: clamp(0.75rem, 0.7rem + 0.25vw, 0.8125rem);
  --font-size-sm: clamp(0.875rem, 0.825rem + 0.25vw, 0.9375rem);
  --font-size-base: clamp(1rem, 0.95rem + 0.25vw, 1.0625rem);
  --font-size-md: clamp(1.125rem, 1.05rem + 0.35vw, 1.25rem);
  --font-size-lg: clamp(1.25rem, 1.15rem + 0.5vw, 1.5rem);
  --font-size-xl: clamp(1.5rem, 1.35rem + 0.75vw, 1.875rem);
  --font-size-2xl: clamp(1.875rem, 1.6rem + 1.2vw, 2.375rem);
  --font-size-3xl: clamp(2.25rem, 1.9rem + 1.75vw, 3rem);
  --font-size-4xl: clamp(2.75rem, 2.2rem + 2.5vw, 3.75rem);

  /* Spacing Scale (8px rhythm) */
  --space-1: 0.25rem;  /* 4px */
  --space-2: 0.5rem;   /* 8px */
  --space-3: 0.75rem;  /* 12px */
  --space-4: 1rem;     /* 16px */
  --space-5: 1.25rem;  /* 20px */
  --space-6: 1.5rem;   /* 24px */
  --space-8: 2rem;     /* 32px */
  --space-10: 2.5rem;  /* 40px */
  --space-12: 3rem;    /* 48px */
  --space-16: 4rem;    /* 64px */
  --space-20: 5rem;    /* 80px */
  --space-24: 6rem;    /* 96px */

  /* Elevation Shadows */
  --shadow-xs: 0 1px 2px 0 rgba(11, 26, 48, 0.05);
  --shadow-sm: 0 2px 4px -1px rgba(11, 26, 48, 0.06), 0 1px 2px -1px rgba(11, 26, 48, 0.04);
  --shadow-md: 0 4px 12px -2px rgba(11, 26, 48, 0.08), 0 2px 6px -2px rgba(11, 26, 48, 0.04);
  --shadow-lg: 0 10px 25px -4px rgba(11, 26, 48, 0.1), 0 4px 10px -3px rgba(11, 26, 48, 0.05);
  --shadow-xl: 0 20px 35px -6px rgba(11, 26, 48, 0.14), 0 8px 16px -4px rgba(11, 26, 48, 0.06);

  /* Border Radii */
  --radius-sm: 4px;
  --radius-md: 8px;
  --radius-lg: 12px;
  --radius-xl: 16px;
  --radius-full: 9999px;

  /* Transitions */
  --transition-fast: 150ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-normal: 250ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-slow: 350ms cubic-bezier(0.4, 0, 0.2, 1);

  /* Layout Widths */
  --container-max: 1240px;
  --container-narrow: 860px;
  --header-height: 80px;
}

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

/* CRITICAL: Never use overflow clipping on html/body as it breaks position: sticky! */
html {
  font-size: 100%;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  overflow-x: clip;
}

body {
  font-family: var(--font-sans);
  font-size: var(--font-size-base);
  line-height: 1.65;
  color: var(--color-text-body);
  background-color: var(--color-bg-body);
  text-rendering: optimizeLegibility;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: clip;
  display: flex;
  flex-direction: column;
  min-height: 100vh;
}

/* Focus styles for WCAG AA compliance */
:focus-visible {
  outline: 3px solid var(--color-accent-gold);
  outline-offset: 3px;
}

/* Typography Defaults */
h1, h2, h3, h4, h5, h6 {
  color: var(--color-primary-navy);
  font-family: var(--font-serif);
  font-weight: 700;
  line-height: 1.25;
  letter-spacing: -0.01em;
  overflow-wrap: break-word;
  hyphens: auto;
}

h1 { font-size: var(--font-size-3xl); margin-bottom: var(--space-4); }
h2 { font-size: var(--font-size-2xl); margin-bottom: var(--space-4); }
h3 { font-size: var(--font-size-xl); margin-bottom: var(--space-3); }
h4 { font-size: var(--font-size-lg); margin-bottom: var(--space-2); }
h5 { font-size: var(--font-size-md); margin-bottom: var(--space-2); }
h6 { font-size: var(--font-size-base); margin-bottom: var(--space-2); }

p {
  margin-bottom: var(--space-4);
  max-width: 75ch;
}

p:last-child {
  margin-bottom: 0;
}

a {
  color: var(--color-teal);
  text-decoration: none;
  transition: color var(--transition-fast), text-decoration-color var(--transition-fast);
}

a:hover {
  color: var(--color-accent-gold-hover);
  text-decoration: underline;
}

img,
picture,
video,
canvas,
svg {
  display: block;
  max-width: 100%;
  height: auto;
}

ul, ol {
  list-style-position: inside;
  margin-bottom: var(--space-4);
}

li {
  margin-bottom: var(--space-2);
}

/* Skip Link for Keyboard Accessibility */
.skip-link {
  position: absolute;
  top: -100px;
  left: var(--space-4);
  background-color: var(--color-accent-gold);
  color: var(--color-primary-navy);
  padding: var(--space-3) var(--space-5);
  font-weight: 700;
  border-radius: var(--radius-md);
  z-index: 99999;
  transition: top var(--transition-fast);
  box-shadow: var(--shadow-lg);
}

.skip-link:focus {
  top: var(--space-4);
}

/* --------------------------------------------------------------------------
   3. Layout Wrappers & Utilities
   -------------------------------------------------------------------------- */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin-inline: auto;
  padding-inline: var(--space-4);
}

@media (min-width: 768px) {
  .container {
    padding-inline: var(--space-6);
  }
}

@media (min-width: 1200px) {
  .container {
    padding-inline: var(--space-8);
  }
}

.container-narrow {
  max-width: var(--container-narrow);
}

.main-content {
  flex: 1 0 auto;
}

/* Scroll Offset for In-Page Anchor Links */
[id] {
  scroll-margin-top: calc(var(--header-height) + 20px);
}

/* --------------------------------------------------------------------------
   4. Top Utility / Regulatory Announcement Bar
   -------------------------------------------------------------------------- */
.top-bar {
  background-color: var(--color-primary-dark);
  color: #94a3b8;
  font-size: var(--font-size-xs);
  padding-block: var(--space-2);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.top-bar-inner {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
  justify-content: space-between;
  align-items: center;
  text-align: center;
}

.fca-tag {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  color: #e2e8f0;
  font-weight: 500;
}

.fca-badge-pill {
  background-color: rgba(197, 155, 39, 0.2);
  color: var(--color-accent-gold);
  border: 1px solid rgba(197, 155, 39, 0.4);
  padding: 1px var(--space-2);
  border-radius: var(--radius-sm);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.03em;
  text-transform: uppercase;
}

.top-bar-contact {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: var(--space-4);
  list-style: none;
  margin-bottom: 0;
}

.top-bar-contact a {
  color: #cbd5e1;
  display: inline-flex;
  align-items: center;
  gap: var(--space-1);
}

.top-bar-contact a:hover {
  color: var(--color-accent-gold);
  text-decoration: none;
}

@media (min-width: 860px) {
  .top-bar-inner {
    flex-direction: row;
    text-align: start;
  }
}

/* --------------------------------------------------------------------------
   5. Sticky Header & Glassmorphism Navigation
   CRITICAL REQUIREMENT: Header must be sticky at top: 0 at all times.
   -------------------------------------------------------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background-color: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--color-border-subtle);
  box-shadow: 0 4px 20px -2px rgba(11, 26, 48, 0.06);
  transition: background-color var(--transition-normal), box-shadow var(--transition-normal);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--header-height);
  gap: var(--space-4);
}

/* Logo Link: sits at the start and acts as home link */
.site-logo {
  display: flex;
  align-items: center;
  flex-shrink: 0;
  text-decoration: none;
  min-height: 48px;
  min-width: 48px;
}

.logo-image {
  height: 52px;
  width: auto;
  object-fit: contain;
  transition: transform var(--transition-fast);
}

.site-logo:hover .logo-image {
  transform: scale(1.02);
}

/* Main Desktop Navigation */
.main-nav {
  display: none;
}

.nav-list {
  display: flex;
  align-items: center;
  gap: var(--space-1);
  list-style: none;
  margin-bottom: 0;
}

.nav-item {
  position: relative;
  margin-bottom: 0;
}

.nav-link {
  display: inline-flex;
  align-items: center;
  gap: var(--space-1);
  padding: var(--space-2) var(--space-3);
  color: var(--color-primary-navy);
  font-weight: 600;
  font-size: var(--font-size-sm);
  border-radius: var(--radius-md);
  text-decoration: none;
  transition: all var(--transition-fast);
  min-height: 44px;
}

.nav-link:hover {
  color: var(--color-accent-gold-hover);
  background-color: rgba(197, 155, 39, 0.08);
  text-decoration: none;
}

.nav-link.active,
.nav-link[aria-current="page"] {
  color: var(--color-accent-gold-hover);
  background-color: rgba(197, 155, 39, 0.12);
  font-weight: 700;
}

.nav-link.active::after,
.nav-link[aria-current="page"]::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: var(--space-3);
  right: var(--space-3);
  height: 2px;
  background-color: var(--color-accent-gold);
  border-radius: var(--radius-full);
}

/* Dropdown Menu for Services */
.has-dropdown:hover .nav-dropdown,
.has-dropdown:focus-within .nav-dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.nav-dropdown {
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 260px;
  background-color: var(--color-bg-card);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  padding: var(--space-2);
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: all var(--transition-fast);
  z-index: 1010;
  list-style: none;
}

.dropdown-link {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  padding: var(--space-3) var(--space-3);
  color: var(--color-text-body);
  font-size: var(--font-size-sm);
  font-weight: 500;
  border-radius: var(--radius-md);
  text-decoration: none;
  transition: all var(--transition-fast);
}

.dropdown-link:hover {
  background-color: var(--color-bg-surface);
  color: var(--color-primary-navy);
  text-decoration: none;
}

.dropdown-icon {
  width: 18px;
  height: 18px;
  color: var(--color-accent-gold);
  flex-shrink: 0;
}

/* Header CTAs */
.header-actions {
  display: flex;
  align-items: center;
  gap: var(--space-3);
}

.header-phone-cta {
  display: none;
  font-size: var(--font-size-sm);
  font-weight: 700;
  color: var(--color-primary-navy);
  text-decoration: none;
  white-space: nowrap;
}

.header-phone-cta:hover {
  color: var(--color-accent-gold-hover);
  text-decoration: none;
}

/* Mobile Hamburger Toggle (Ergonomic touch target >= 48px) */
.mobile-menu-toggle {
  display: inline-flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  width: 48px;
  height: 48px;
  background: transparent;
  border: 1px solid var(--color-border-medium);
  border-radius: var(--radius-md);
  cursor: pointer;
  padding: var(--space-2);
  color: var(--color-primary-navy);
  transition: all var(--transition-fast);
}

.mobile-menu-toggle:hover {
  background-color: var(--color-bg-surface);
  border-color: var(--color-accent-gold);
}

.hamburger-line {
  display: block;
  width: 22px;
  height: 2px;
  background-color: var(--color-primary-navy);
  border-radius: 2px;
  transition: transform var(--transition-fast), opacity var(--transition-fast);
}

.mobile-menu-toggle[aria-expanded="true"] .hamburger-line:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.mobile-menu-toggle[aria-expanded="true"] .hamburger-line:nth-child(2) {
  opacity: 0;
}

.mobile-menu-toggle[aria-expanded="true"] .hamburger-line:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* Mobile Navigation Drawer */
.mobile-nav-drawer {
  position: fixed;
  top: var(--header-height);
  left: 0;
  right: 0;
  bottom: 0;
  background-color: rgba(255, 255, 255, 0.98);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  z-index: 999;
  overflow-y: auto;
  padding: var(--space-6) var(--space-4) var(--space-12);
  border-top: 1px solid var(--color-border-subtle);
  transform: translateY(-10px);
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--transition-normal), transform var(--transition-normal), visibility var(--transition-normal);
}

.mobile-nav-drawer.open {
  transform: translateY(0);
  opacity: 1;
  visibility: visible;
}

.mobile-nav-list {
  list-style: none;
  margin-bottom: var(--space-6);
}

.mobile-nav-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-3) var(--space-4);
  font-size: var(--font-size-md);
  font-weight: 600;
  color: var(--color-primary-navy);
  border-bottom: 1px solid var(--color-border-subtle);
  text-decoration: none;
  min-height: 48px;
  border-radius: var(--radius-sm);
}

.mobile-nav-link:hover,
.mobile-nav-link.active {
  background-color: var(--color-accent-gold-light);
  color: var(--color-accent-gold-hover);
  text-decoration: none;
}

.mobile-sub-list {
  list-style: none;
  padding-left: var(--space-4);
  margin-block: var(--space-2);
}

.mobile-sub-link {
  display: block;
  padding: var(--space-2) var(--space-4);
  color: var(--color-text-body);
  font-size: var(--font-size-sm);
  min-height: 44px;
  text-decoration: none;
}

.mobile-sub-link:hover {
  color: var(--color-accent-gold-hover);
}

.mobile-drawer-footer {
  margin-top: var(--space-6);
  padding-top: var(--space-6);
  border-top: 1px solid var(--color-border-subtle);
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

/* Responsive Navigation Breakpoint */
@media (min-width: 992px) {
  .main-nav {
    display: block;
  }
  .mobile-menu-toggle {
    display: none;
  }
  .mobile-nav-drawer {
    display: none !important;
  }
  .header-phone-cta {
    display: inline-flex;
    align-items: center;
    gap: var(--space-2);
  }
}

/* --------------------------------------------------------------------------
   6. Buttons & Interactive Controls (Touch targets >= 48px)
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  font-family: var(--font-sans);
  font-size: var(--font-size-sm);
  font-weight: 600;
  text-align: center;
  text-decoration: none;
  padding: 0.75rem 1.5rem;
  border-radius: var(--radius-md);
  border: 1px solid transparent;
  cursor: pointer;
  min-height: 48px;
  line-height: 1.2;
  transition: all var(--transition-fast);
  white-space: nowrap;
}

.btn-primary {
  background-color: var(--color-accent-gold);
  color: var(--color-primary-navy);
  border-color: var(--color-accent-gold-border);
  box-shadow: 0 2px 8px rgba(197, 155, 39, 0.25);
}

.btn-primary:hover {
  background-color: var(--color-accent-gold-hover);
  color: #ffffff;
  border-color: var(--color-accent-gold-hover);
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(197, 155, 39, 0.35);
  text-decoration: none;
}

.btn-secondary {
  background-color: transparent;
  color: var(--color-primary-navy);
  border-color: var(--color-primary-navy);
}

.btn-secondary:hover {
  background-color: var(--color-primary-navy);
  color: #ffffff;
  transform: translateY(-1px);
  text-decoration: none;
}

.btn-navy {
  background-color: var(--color-primary-navy);
  color: #ffffff;
  border-color: var(--color-primary-light);
}

.btn-navy:hover {
  background-color: var(--color-primary-light);
  color: #ffffff;
  transform: translateY(-1px);
  text-decoration: none;
}

.btn-white {
  background-color: #ffffff;
  color: var(--color-primary-navy);
  border-color: #ffffff;
  box-shadow: var(--shadow-md);
}

.btn-white:hover {
  background-color: var(--color-bg-surface);
  color: var(--color-accent-gold-hover);
  text-decoration: none;
}

.btn-sm {
  padding: 0.5rem 1rem;
  font-size: var(--font-size-xs);
  min-height: 40px;
}

.btn-lg {
  padding: 0.875rem 2rem;
  font-size: var(--font-size-base);
  min-height: 52px;
}

.btn-block {
  width: 100%;
}

/* --------------------------------------------------------------------------
   7. Hero Banner Section
   -------------------------------------------------------------------------- */
.hero {
  position: relative;
  background-color: var(--color-primary-navy);
  color: #ffffff;
  padding-block: clamp(var(--space-10), 6vw, var(--space-20));
  overflow: hidden;
}

.hero-background-art {
  position: absolute;
  inset: 0;
  opacity: 0.15;
  background-image: url('./wp-content/uploads/2017/01/Triangle-Shiny-Modern-Background.jpeg');
  background-size: cover;
  background-position: center center;
  pointer-events: none;
  mix-blend-mode: overlay;
}

.hero-gradient-overlay {
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 80% 20%, rgba(19, 78, 94, 0.4) 0%, rgba(11, 26, 48, 0.95) 70%);
  pointer-events: none;
}

.hero-content {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-8);
  align-items: center;
}

.hero-badge-container {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: var(--space-3);
  margin-bottom: var(--space-4);
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: var(--space-1) var(--space-3);
  background-color: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: var(--radius-full);
  font-size: var(--font-size-xs);
  font-weight: 600;
  color: #e2e8f0;
  backdrop-filter: blur(4px);
}

.hero-badge-gold {
  background-color: rgba(197, 155, 39, 0.2);
  border-color: rgba(197, 155, 39, 0.5);
  color: #ffd875;
}

.hero h1 {
  color: #ffffff;
  font-size: var(--font-size-3xl);
  line-height: 1.15;
  margin-bottom: var(--space-4);
  max-width: 20ch;
}

.hero-lead {
  font-size: var(--font-size-md);
  color: #cbd5e1;
  line-height: 1.7;
  margin-bottom: var(--space-6);
  max-width: 65ch;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-3);
  margin-bottom: var(--space-8);
}

.hero-trust-list {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-3);
  list-style: none;
  padding-top: var(--space-6);
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  margin-bottom: 0;
}

.hero-trust-item {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--font-size-sm);
  color: #e2e8f0;
  margin-bottom: 0;
}

.hero-trust-icon {
  width: 20px;
  height: 20px;
  color: var(--color-accent-gold);
  flex-shrink: 0;
}

@media (min-width: 640px) {
  .hero-trust-list {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .hero-content {
    grid-template-columns: 1.25fr 0.95fr;
    gap: var(--space-12);
  }
  .hero-trust-list {
    grid-template-columns: repeat(3, 1fr);
  }
}

/* Hero Visual Card (Desktop side panel) */
.hero-card {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-xl);
  padding: var(--space-6);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.3);
}

.hero-card-header {
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  padding-bottom: var(--space-4);
  margin-bottom: var(--space-4);
}

.hero-card-title {
  color: #ffffff;
  font-size: var(--font-size-lg);
  margin-bottom: var(--space-1);
}

.hero-card-subtitle {
  color: #94a3b8;
  font-size: var(--font-size-xs);
  margin-bottom: 0;
}

.hero-stat-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-4);
  margin-bottom: var(--space-6);
}

.hero-stat-box {
  background: rgba(11, 26, 48, 0.6);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-md);
  padding: var(--space-3);
  text-align: center;
}

.hero-stat-value {
  display: block;
  font-size: var(--font-size-xl);
  font-weight: 700;
  font-family: var(--font-serif);
  color: var(--color-accent-gold);
}

.hero-stat-label {
  font-size: var(--font-size-xs);
  color: #94a3b8;
}

/* Interactive Action Strip */
.action-strip {
  background: linear-gradient(90deg, #102444 0%, #152b4d 100%);
  border-top: 1px solid rgba(197, 155, 39, 0.3);
  border-bottom: 1px solid rgba(197, 155, 39, 0.3);
  padding-block: var(--space-4);
  color: #ffffff;
}

.action-strip-inner {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  align-items: center;
  justify-content: space-between;
  text-align: center;
}

.action-strip-text {
  font-size: var(--font-size-base);
  font-weight: 600;
  color: #e2e8f0;
  margin-bottom: 0;
}

@media (min-width: 768px) {
  .action-strip-inner {
    flex-direction: row;
    text-align: start;
  }
}

/* --------------------------------------------------------------------------
   8. Section Styling & Grid Layouts
   -------------------------------------------------------------------------- */
.section {
  padding-block: clamp(var(--space-10), 6vw, var(--space-16));
}

.section-alt {
  background-color: var(--color-bg-surface);
}

.section-navy {
  background-color: var(--color-primary-navy);
  color: #ffffff;
}

.section-navy h2,
.section-navy h3,
.section-navy h4 {
  color: #ffffff;
}

.section-header {
  text-align: center;
  margin-bottom: var(--space-10);
  max-width: var(--container-narrow);
  margin-inline: auto;
}

.section-tag {
  display: inline-block;
  font-size: var(--font-size-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-teal);
  margin-bottom: var(--space-2);
}

.section-navy .section-tag {
  color: var(--color-accent-gold);
}

.section-subtitle {
  font-size: var(--font-size-md);
  color: var(--color-text-muted);
  max-width: 60ch;
  margin-inline: auto;
}

.section-navy .section-subtitle {
  color: #cbd5e1;
}

/* --------------------------------------------------------------------------
   9. Service Cards & Feature Grids
   -------------------------------------------------------------------------- */
.services-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
}

@media (min-width: 640px) {
  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .services-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.service-card {
  display: flex;
  flex-direction: column;
  background-color: var(--color-bg-card);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-fast), box-shadow var(--transition-fast), border-color var(--transition-fast);
  height: 100%;
}

.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--color-accent-gold-border);
}

.service-icon-box {
  width: 56px;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, rgba(19, 78, 94, 0.1) 0%, rgba(197, 155, 39, 0.15) 100%);
  color: var(--color-primary-navy);
  border-radius: var(--radius-md);
  margin-bottom: var(--space-4);
  flex-shrink: 0;
}

.service-icon {
  width: 28px;
  height: 28px;
}

.service-card h3 {
  font-size: var(--font-size-lg);
  margin-bottom: var(--space-3);
}

.service-card p {
  font-size: var(--font-size-sm);
  color: var(--color-text-muted);
  flex-grow: 1;
  margin-bottom: var(--space-4);
}

.service-tags {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-1);
  margin-bottom: var(--space-4);
}

.service-pill {
  font-size: 0.75rem;
  padding: 2px 8px;
  background-color: var(--color-bg-surface);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-sm);
  color: var(--color-text-body);
}

.service-card-link {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--font-size-sm);
  font-weight: 700;
  color: var(--color-teal);
  margin-top: auto;
  text-decoration: none;
}

.service-card-link:hover {
  color: var(--color-accent-gold-hover);
  text-decoration: none;
}

/* --------------------------------------------------------------------------
   10. Three Pillars of Service
   -------------------------------------------------------------------------- */
.pillars-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
}

@media (min-width: 768px) {
  .pillars-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.pillar-card {
  background-color: var(--color-bg-card);
  border: 1px solid var(--color-border-subtle);
  border-top: 4px solid var(--color-accent-gold);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-fast), box-shadow var(--transition-fast);
}

.pillar-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

.pillar-number {
  font-family: var(--font-serif);
  font-size: var(--font-size-2xl);
  font-weight: 700;
  color: var(--color-accent-gold);
  line-height: 1;
  margin-bottom: var(--space-2);
}

.pillar-card h3 {
  font-size: var(--font-size-lg);
  margin-bottom: var(--space-2);
}

.pillar-quote {
  font-style: italic;
  font-weight: 500;
  color: var(--color-primary-navy);
  margin-bottom: var(--space-3);
  padding-left: var(--space-3);
  border-left: 2px solid var(--color-accent-gold);
}

/* --------------------------------------------------------------------------
   11. Regulatory Warning & Compliance Banners
   -------------------------------------------------------------------------- */
.statutory-notice {
  background-color: var(--color-warning-bg);
  border: 1px solid var(--color-warning-border);
  border-left: 5px solid var(--color-warning-text);
  border-radius: var(--radius-md);
  padding: var(--space-4) var(--space-5);
  margin-block: var(--space-6);
  color: var(--color-warning-text);
  font-size: var(--font-size-sm);
}

.statutory-notice-title {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-weight: 700;
  margin-bottom: var(--space-2);
  color: var(--color-warning-text);
  font-size: var(--font-size-base);
}

.statutory-notice ul {
  margin-bottom: 0;
  padding-left: var(--space-4);
}

.statutory-notice li {
  margin-bottom: var(--space-1);
}

/* --------------------------------------------------------------------------
   12. Two-Column Content & Comparison Grids
   -------------------------------------------------------------------------- */
.content-grid-2col {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-8);
  align-items: center;
}

@media (min-width: 900px) {
  .content-grid-2col {
    grid-template-columns: 1fr 1fr;
    gap: var(--space-12);
  }
}

.content-block p {
  color: var(--color-text-body);
  margin-bottom: var(--space-4);
}

/* Comparison Table (Advice vs Product-Selling) */
.comparison-table-wrapper {
  overflow-x: auto;
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-border-subtle);
  background-color: var(--color-bg-card);
  box-shadow: var(--shadow-sm);
  margin-block: var(--space-6);
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  text-align: start;
  font-size: var(--font-size-sm);
}

.comparison-table th,
.comparison-table td {
  padding: var(--space-4);
  border-bottom: 1px solid var(--color-border-subtle);
}

.comparison-table th {
  background-color: var(--color-primary-navy);
  color: #ffffff;
  font-family: var(--font-sans);
  font-weight: 600;
}

.comparison-table th:first-child {
  width: 34%;
}

.comparison-table th.highlight {
  background-color: var(--color-accent-gold);
  color: var(--color-primary-navy);
}

.comparison-table tr:last-child td {
  border-bottom: none;
}

.comparison-table td.highlight {
  background-color: var(--color-accent-gold-light);
  font-weight: 600;
  color: var(--color-primary-navy);
}

/* --------------------------------------------------------------------------
   13. Products Spectrum Checklist & Gap Analysis Matrix
   -------------------------------------------------------------------------- */
.product-matrix {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-4);
}

@media (min-width: 640px) {
  .product-matrix {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 992px) {
  .product-matrix {
    grid-template-columns: repeat(3, 1fr);
  }
}

.product-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  background-color: var(--color-bg-card);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-md);
  padding: var(--space-4);
  box-shadow: var(--shadow-xs);
}

.product-item-icon {
  width: 22px;
  height: 22px;
  color: var(--color-accent-gold);
  flex-shrink: 0;
  margin-top: 2px;
}

.product-item-content h4 {
  font-size: var(--font-size-base);
  margin-bottom: var(--space-1);
}

.product-item-content p {
  font-size: var(--font-size-xs);
  color: var(--color-text-muted);
  margin-bottom: 0;
}

/* Protection Gap Analysis Matrix */
.gap-analysis-card {
  background: linear-gradient(135deg, var(--color-primary-navy) 0%, #152b4d 100%);
  color: #ffffff;
  border-radius: var(--radius-xl);
  padding: clamp(var(--space-6), 4vw, var(--space-10));
  box-shadow: var(--shadow-xl);
  margin-block: var(--space-8);
}

.gap-analysis-card h3 {
  color: #ffffff;
  font-size: var(--font-size-xl);
  margin-bottom: var(--space-3);
}

.gap-scenarios {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-2);
  margin-block: var(--space-4);
}

.gap-scenario-chip {
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.25);
  border-radius: var(--radius-full);
  padding: var(--space-2) var(--space-4);
  font-size: var(--font-size-sm);
  color: #ffffff;
}

.gap-reflection {
  background: rgba(197, 155, 39, 0.15);
  border: 1px solid var(--color-accent-gold);
  border-radius: var(--radius-md);
  padding: var(--space-4);
  margin-top: var(--space-4);
  font-size: var(--font-size-md);
  font-weight: 500;
  color: #fef08a;
}

/* --------------------------------------------------------------------------
   14. Mortgage Checklist (8-Point Guarantee)
   -------------------------------------------------------------------------- */
.checklist-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-3);
  margin-block: var(--space-6);
}

@media (min-width: 640px) {
  .checklist-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

.checklist-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  background-color: var(--color-bg-card);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-md);
  padding: var(--space-3) var(--space-4);
}

.checklist-bullet {
  width: 20px;
  height: 20px;
  color: var(--color-teal);
  flex-shrink: 0;
  margin-top: 3px;
}

.checklist-text {
  font-size: var(--font-size-sm);
  color: var(--color-text-body);
  font-weight: 500;
}

/* --------------------------------------------------------------------------
   15. FAQ Section (AEO & GEO Optimized Accordion)
   -------------------------------------------------------------------------- */
.faq-container {
  max-width: var(--container-narrow);
  margin-inline: auto;
}

.faq-item {
  background-color: var(--color-bg-card);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-md);
  margin-bottom: var(--space-3);
  overflow: hidden;
  transition: border-color var(--transition-fast);
}

.faq-item:hover {
  border-color: var(--color-border-medium);
}

.faq-question-btn {
  display: flex;
  justify-content: space-between;
  align-items: center;
  width: 100%;
  padding: var(--space-4) var(--space-5);
  background: transparent;
  border: none;
  text-align: start;
  font-family: var(--font-sans);
  font-size: var(--font-size-base);
  font-weight: 600;
  color: var(--color-primary-navy);
  cursor: pointer;
  min-height: 48px;
}

.faq-icon {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  color: var(--color-accent-gold);
  transition: transform var(--transition-fast);
}

.faq-item.active .faq-icon {
  transform: rotate(180deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--transition-normal);
  padding-inline: var(--space-5);
}

.faq-item.active .faq-answer {
  max-height: 400px;
  padding-bottom: var(--space-5);
}

.faq-answer p {
  color: var(--color-text-muted);
  font-size: var(--font-size-sm);
  line-height: 1.65;
}

/* --------------------------------------------------------------------------
   16. Consultation Request Form & Contact Cards
   -------------------------------------------------------------------------- */
.contact-layout {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-8);
}

@media (min-width: 992px) {
  .contact-layout {
    grid-template-columns: 1fr 1.25fr;
    gap: var(--space-10);
  }
}

.contact-info-card {
  background-color: var(--color-bg-card);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-xl);
  padding: var(--space-6);
  box-shadow: var(--shadow-sm);
}

.contact-channel-list {
  list-style: none;
  margin-bottom: var(--space-6);
}

.contact-channel-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-4);
  padding-block: var(--space-3);
  border-bottom: 1px solid var(--color-border-subtle);
  margin-bottom: 0;
}

.contact-channel-item:last-child {
  border-bottom: none;
}

.contact-channel-icon {
  width: 24px;
  height: 24px;
  color: var(--color-accent-gold);
  flex-shrink: 0;
  margin-top: 3px;
}

.contact-channel-content h4 {
  font-size: var(--font-size-sm);
  font-family: var(--font-sans);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-text-muted);
  margin-bottom: 2px;
}

.contact-channel-content p,
.contact-channel-content a {
  font-size: var(--font-size-base);
  font-weight: 600;
  color: var(--color-primary-navy);
  margin-bottom: 0;
}

.contact-channel-content a:hover {
  color: var(--color-accent-gold-hover);
  text-decoration: none;
}

/* Consultation Form Box */
.consultation-form-card {
  background-color: var(--color-bg-card);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-xl);
  padding: clamp(var(--space-6), 4vw, var(--space-8));
  box-shadow: var(--shadow-md);
}

.consultation-form-card h2 {
  font-size: var(--font-size-xl);
  margin-bottom: var(--space-2);
}

.form-group {
  margin-bottom: var(--space-4);
}

.form-label {
  display: block;
  font-size: var(--font-size-sm);
  font-weight: 600;
  color: var(--color-primary-navy);
  margin-bottom: var(--space-2);
}

.form-label .required {
  color: #dc2626;
  margin-left: 2px;
}

.form-control {
  width: 100%;
  padding: 0.75rem 1rem;
  font-family: var(--font-sans);
  font-size: var(--font-size-base);
  color: var(--color-text-main);
  background-color: #ffffff;
  border: 1px solid var(--color-border-medium);
  border-radius: var(--radius-md);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
  min-height: 48px;
}

.form-control:focus {
  border-color: var(--color-accent-gold);
  outline: none;
  box-shadow: 0 0 0 3px rgba(197, 155, 39, 0.2);
}

textarea.form-control {
  min-height: 120px;
  resize: vertical;
}

.form-radio-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-2);
}

@media (min-width: 480px) {
  .form-radio-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.radio-card {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  padding: var(--space-3);
  border: 1px solid var(--color-border-medium);
  border-radius: var(--radius-md);
  cursor: pointer;
  transition: border-color var(--transition-fast), background-color var(--transition-fast);
  min-height: 48px;
}

.radio-card:hover {
  background-color: var(--color-bg-surface);
  border-color: var(--color-accent-gold);
}

.radio-card input[type="radio"] {
  accent-color: var(--color-accent-gold);
  width: 18px;
  height: 18px;
}

.checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: var(--space-2);
  font-size: var(--font-size-xs);
  color: var(--color-text-muted);
  cursor: pointer;
  margin-bottom: var(--space-4);
}

.checkbox-label input[type="checkbox"] {
  accent-color: var(--color-accent-gold);
  width: 18px;
  height: 18px;
  margin-top: 2px;
  flex-shrink: 0;
}

.form-privacy-note {
  font-size: var(--font-size-xs);
  color: var(--color-text-muted);
  background-color: var(--color-bg-surface);
  padding: var(--space-3);
  border-radius: var(--radius-sm);
  border: 1px solid var(--color-border-subtle);
  margin-bottom: var(--space-4);
}

.form-status {
  padding: var(--space-4);
  border-radius: var(--radius-md);
  margin-top: var(--space-4);
  display: none;
  font-size: var(--font-size-sm);
}

.form-status.success {
  display: block;
  background-color: var(--color-success-bg);
  border: 1px solid var(--color-success-border);
  color: var(--color-success-text);
}

/* Map / Transport Location Card */
.map-card {
  background-color: var(--color-bg-card);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  margin-top: var(--space-8);
}

.map-visual-placeholder {
  background: linear-gradient(135deg, #102444 0%, #152b4d 100%);
  color: #ffffff;
  padding: var(--space-8) var(--space-6);
  text-align: center;
  position: relative;
}

.map-visual-icon {
  width: 48px;
  height: 48px;
  color: var(--color-accent-gold);
  margin-inline: auto;
  margin-bottom: var(--space-3);
}

.map-card-details {
  padding: var(--space-6);
}

.map-card-details h4 {
  font-size: var(--font-size-md);
  margin-bottom: var(--space-2);
}

.transit-list {
  list-style: none;
  margin-bottom: 0;
}

.transit-item {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--font-size-sm);
  color: var(--color-text-muted);
  margin-bottom: var(--space-1);
}

/* --------------------------------------------------------------------------
   17. Global Multi-Column Footer
   -------------------------------------------------------------------------- */
.site-footer {
  background-color: var(--color-primary-navy);
  color: #94a3b8;
  padding-top: clamp(var(--space-12), 6vw, var(--space-16));
  border-top: 3px solid var(--color-accent-gold);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-8);
  margin-bottom: var(--space-12);
}

@media (min-width: 640px) {
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .footer-grid {
    grid-template-columns: 1.4fr 1fr 1.1fr 1.3fr;
    gap: var(--space-8);
  }
}

.footer-col h3 {
  color: #ffffff;
  font-family: var(--font-sans);
  font-size: var(--font-size-base);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: var(--space-4);
  position: relative;
  padding-bottom: var(--space-2);
}

.footer-col h3::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 32px;
  height: 2px;
  background-color: var(--color-accent-gold);
}

.footer-brand-desc {
  font-size: var(--font-size-sm);
  color: #cbd5e1;
  line-height: 1.7;
  margin-bottom: var(--space-4);
}

.footer-nav-list {
  list-style: none;
  margin-bottom: 0;
}

.footer-nav-item {
  margin-bottom: var(--space-2);
}

.footer-nav-link {
  color: #cbd5e1;
  font-size: var(--font-size-sm);
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  transition: color var(--transition-fast), transform var(--transition-fast);
}

.footer-nav-link:hover {
  color: var(--color-accent-gold);
  transform: translateX(4px);
  text-decoration: none;
}

.footer-contact-list {
  list-style: none;
  margin-bottom: 0;
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  font-size: var(--font-size-sm);
  color: #cbd5e1;
  margin-bottom: var(--space-3);
}

.footer-contact-icon {
  width: 18px;
  height: 18px;
  color: var(--color-accent-gold);
  flex-shrink: 0;
  margin-top: 2px;
}

.footer-contact-item a {
  color: #cbd5e1;
}

.footer-contact-item a:hover {
  color: var(--color-accent-gold);
  text-decoration: none;
}

.footer-legal-text {
  font-size: var(--font-size-xs);
  color: #94a3b8;
  line-height: 1.6;
  margin-bottom: var(--space-3);
}

.footer-ombudsman-box {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--radius-md);
  padding: var(--space-3);
  margin-top: var(--space-3);
}

.footer-ombudsman-box a {
  color: var(--color-accent-gold);
  font-weight: 600;
}

/* Footer Disclaimers Band */
.footer-disclaimers {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-block: var(--space-6);
  font-size: 0.75rem;
  color: #94a3b8;
  line-height: 1.6;
}

.footer-disclaimers p {
  margin-bottom: var(--space-2);
}

/* Sub-Footer Copyright Bar */
.sub-footer {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding-block: var(--space-4);
  background-color: var(--color-primary-dark);
}

.sub-footer-inner {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
  align-items: center;
  justify-content: space-between;
  text-align: center;
  font-size: var(--font-size-xs);
  color: #64748b;
}

.sub-footer-inner a {
  color: #94a3b8;
}

.sub-footer-inner a:hover {
  color: var(--color-accent-gold);
}

@media (min-width: 768px) {
  .sub-footer-inner {
    flex-direction: row;
    text-align: start;
  }
}

/* --------------------------------------------------------------------------
   18. Back-to-Top Floating Button (>= 48px, accessible)
   -------------------------------------------------------------------------- */
.back-to-top {
  position: fixed;
  bottom: var(--space-6);
  right: var(--space-6);
  width: 48px;
  height: 48px;
  min-width: 48px;
  min-height: 48px;
  border-radius: var(--radius-full);
  background-color: var(--color-primary-navy);
  color: var(--color-accent-gold);
  border: 2px solid var(--color-accent-gold);
  box-shadow: var(--shadow-lg);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  visibility: hidden;
  transform: translateY(16px);
  transition: opacity var(--transition-normal), visibility var(--transition-normal), transform var(--transition-normal), background-color var(--transition-fast);
  z-index: 990;
}

.back-to-top.visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.back-to-top:hover {
  background-color: var(--color-accent-gold);
  color: var(--color-primary-navy);
}

.back-to-top-icon {
  width: 22px;
  height: 22px;
}

/* --------------------------------------------------------------------------
   19. Print Styles
   -------------------------------------------------------------------------- */
@media print {
  .top-bar,
  .site-header,
  .mobile-nav-drawer,
  .back-to-top,
  .btn,
  .action-strip {
    display: none !important;
  }
  body {
    background-color: #ffffff;
    color: #000000;
  }
  .container {
    max-width: 100%;
    padding: 0;
  }
}