/* ============================================
   Endurance Financial - Premium Stylesheet
   Midnight Blue + Cyan Theme
   ============================================ */

/* CSS Variables */
:root {
    /* Primary Colors - Midnight Blue */
    --navy: #0c1929;
    --navy-light: #142438;
    --navy-medium: #1c2f47;

    /* Accent - Cyan */
    --lime: #06b6d4;
    --lime-light: #22d3ee;
    --lime-dark: #0891b2;

    /* Supporting Colors */
    --white: #ffffff;
    --off-white: #f8fafc;
    --light-gray: #e2e8f0;
    --medium-gray: #64748b;
    --dark-gray: #334155;

    /* Gradients */
    --gradient-lime: linear-gradient(135deg, #06b6d4 0%, #22d3ee 100%);
    --gradient-navy: linear-gradient(135deg, #142438 0%, #0c1929 100%);
    --gradient-diagonal: linear-gradient(135deg, var(--lime) 0%, var(--lime-light) 100%);

    /* Typography */
    --font-family: 'Poppins', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    --font-weight-normal: 400;
    --font-weight-medium: 500;
    --font-weight-semibold: 600;
    --font-weight-bold: 700;
    --font-weight-black: 900;

    /* Spacing */
    --section-padding: 100px 0;
    --container-width: 1200px;

    /* Effects */
    --shadow-sm: 0 2px 8px rgba(0,0,0,0.08);
    --shadow-md: 0 8px 30px rgba(0,0,0,0.12);
    --shadow-lg: 0 20px 60px rgba(0,0,0,0.15);
    --shadow-lime: 0 10px 40px rgba(6, 182, 212, 0.3);

    /* Transitions */
    --transition-fast: all 0.2s ease;
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    --transition-slow: all 0.5s cubic-bezier(0.4, 0, 0.2, 1);
}

/* Visually hidden but accessible for SEO/screen readers */
.visually-hidden {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
}

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

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

body {
    font-family: var(--font-family);
    font-size: 1rem;
    line-height: 1.7;
    color: var(--dark-gray);
    background: var(--white);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

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

a {
    color: var(--lime-dark);
    text-decoration: none;
    transition: var(--transition);
}

a:hover {
    color: var(--lime);
}

ul, ol {
    list-style-position: outside;
    padding-left: 1.5rem;
}

/* ============================================
   Typography
   ============================================ */
h1, h2, h3, h4, h5, h6 {
    font-weight: var(--font-weight-bold);
    line-height: 1.2;
    color: var(--navy);
    margin-bottom: 1rem;
    letter-spacing: -0.02em;
}

h1 {
    font-size: clamp(2.5rem, 5vw, 4rem);
    font-weight: var(--font-weight-black);
}

h2 {
    font-size: clamp(2rem, 4vw, 2.75rem);
    font-weight: var(--font-weight-bold);
}

h3 {
    font-size: clamp(1.25rem, 2vw, 1.5rem);
    font-weight: var(--font-weight-semibold);
}

h4 {
    font-size: 1.125rem;
    font-weight: var(--font-weight-semibold);
}

p {
    margin-bottom: 1.25rem;
    color: var(--medium-gray);
}

.lead {
    font-size: 1.25rem;
    font-weight: var(--font-weight-normal);
    line-height: 1.6;
}

.text-center { text-align: center; }
.text-white { color: var(--white) !important; }
.text-white p { color: rgba(255,255,255,0.8) !important; }

/* Container */
.container {
    width: 100%;
    max-width: var(--container-width);
    margin: 0 auto;
    padding: 0 24px;
}

/* ============================================
   Top Bar
   ============================================ */
.top-bar {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1001;
    background: var(--gradient-lime);
    padding: 12px 0;
    text-align: center;
}

.top-bar p {
    margin: 0;
    font-size: 0.85rem;
    font-weight: var(--font-weight-bold);
    color: var(--navy);
    letter-spacing: 0.1em;
    text-transform: uppercase;
}

/* ============================================
   Header & Navigation
   ============================================ */
.header {
    position: fixed;
    top: 40px;
    left: 0;
    right: 0;
    z-index: 1000;
    background: var(--navy);
    transition: var(--transition);
}

.header.scrolled {
    box-shadow: 0 4px 20px rgba(0,0,0,0.3);
}

.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 10px 24px;
    max-width: var(--container-width);
    margin: 0 auto;
}

.logo {
    display: flex;
    align-items: center;
}

.logo img {
    height: 50px;
    width: auto;
    display: block;
    margin-top: 8px;
    transition: var(--transition);
}

.logo:hover img {
    transform: scale(1.02);
}

.nav {
    display: flex;
    align-items: center;
    gap: 4px;
}

.nav > a,
.nav-item > a {
    padding: 10px 16px;
    margin-top: 5px;
    color: rgba(255,255,255,0.8);
    font-weight: var(--font-weight-medium);
    font-size: 0.9rem;
    border-radius: 8px;
    transition: var(--transition);
    position: relative;
}

.nav > a:hover,
.nav-item > a:hover {
    color: var(--white);
    background: rgba(255,255,255,0.1);
}

.nav > a.active,
.nav-item > a.active {
    color: var(--lime);
    font-weight: var(--font-weight-semibold);
}

/* Dropdown Menu */
.nav-item {
    position: relative;
    display: flex;
    align-items: center;
}

.dropdown {
    position: absolute;
    top: calc(100% + 8px);
    left: 0;
    transform: translateY(10px);
    min-width: 240px;
    background: var(--white);
    border-radius: 12px;
    box-shadow: var(--shadow-lg);
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
    padding: 8px;
    border: 1px solid rgba(0,0,0,0.05);
}

.nav-item:hover .dropdown {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.dropdown a {
    display: block;
    padding: 12px 16px;
    color: var(--dark-gray);
    font-size: 0.9rem;
    border-radius: 8px;
    transition: var(--transition);
}

.dropdown a:hover {
    background: var(--off-white);
    color: var(--lime-dark);
}

.dropdown a.active {
    color: var(--lime-dark);
    background: rgba(6, 182, 212, 0.1);
}

/* Mobile Menu Toggle */
.mobile-toggle {
    display: none;
    flex-direction: column;
    gap: 6px;
    cursor: pointer;
    padding: 8px;
    border-radius: 8px;
    transition: var(--transition);
}

.mobile-toggle:hover {
    background: rgba(255,255,255,0.1);
}

.mobile-toggle span {
    width: 24px;
    height: 2px;
    background: var(--white);
    border-radius: 2px;
    transition: var(--transition);
}

/* ============================================
   Buttons
   ============================================ */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 16px 32px;
    font-family: var(--font-family);
    font-size: 0.95rem;
    font-weight: var(--font-weight-semibold);
    text-align: center;
    border-radius: 8px;
    border: 2px solid transparent;
    cursor: pointer;
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.btn-primary {
    background: var(--gradient-lime);
    color: var(--navy);
    border-color: var(--lime);
    box-shadow: var(--shadow-lime);
}

.btn-primary:hover {
    transform: translateY(-3px);
    box-shadow: 0 15px 40px rgba(6, 182, 212, 0.4);
    color: var(--navy);
}

.btn-outline {
    background: transparent;
    border: 2px solid rgba(255,255,255,0.3);
    color: var(--white);
}

.btn-outline:hover {
    background: rgba(255,255,255,0.1);
    border-color: rgba(255,255,255,0.5);
    color: var(--white);
    transform: translateY(-3px);
}

.btn-white {
    background: var(--white);
    color: var(--navy);
    border-color: var(--white);
}

.btn-white:hover {
    background: var(--off-white);
    transform: translateY(-3px);
    box-shadow: 0 10px 30px rgba(0,0,0,0.2);
    color: var(--navy);
}

.btn-navy {
    background: var(--navy);
    color: var(--white);
    border-color: var(--navy);
}

.btn-navy:hover {
    background: var(--navy-light);
    transform: translateY(-3px);
    color: var(--white);
}

/* Button Group */
.btn-group {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
}

/* ============================================
   Hero Section
   ============================================ */
.hero {
    min-height: 100vh;
    display: flex;
    align-items: center;
    padding: 160px 0 80px;
    background: var(--navy);
    color: var(--white);
    position: relative;
    overflow: hidden;
}

/* Wedge Accent Stripe (angled top, flat bottom) */
.hero::before {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 120px;
    background: var(--gradient-lime);
    clip-path: polygon(0 40%, 100% 0, 100% 100%, 0 100%);
}

.hero::after {
    content: '';
    position: absolute;
    top: 20%;
    right: 10%;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(6, 182, 212, 0.1) 0%, transparent 70%);
    pointer-events: none;
}

.hero-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.hero-content {
    position: relative;
    z-index: 1;
}

.hero h1 {
    color: var(--white);
    margin-bottom: 24px;
}

.hero p {
    font-size: 1.2rem;
    color: rgba(255,255,255,0.8);
    margin-bottom: 40px;
    line-height: 1.8;
}

.hero-visual {
    position: relative;
}

/* Chart Graphic */
.hero-chart {
    background: var(--navy-light);
    border-radius: 16px;
    padding: 32px;
    border: 1px solid rgba(255,255,255,0.1);
    position: relative;
    overflow: hidden;
}

.hero-chart::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--gradient-lime);
}

.chart-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 24px;
    padding-bottom: 16px;
    border-bottom: 1px solid rgba(255,255,255,0.1);
}

.chart-title {
    font-size: 0.9rem;
    color: rgba(255,255,255,0.6);
    font-weight: var(--font-weight-medium);
}

.chart-legend {
    display: flex;
    gap: 16px;
}

.legend-item {
    font-size: 0.8rem;
    font-weight: var(--font-weight-medium);
    display: flex;
    align-items: center;
    gap: 6px;
}

.legend-item::before {
    content: '';
    width: 16px;
    height: 3px;
    border-radius: 2px;
}

.legend-mortgage {
    color: rgba(255,255,255,0.7);
}

.legend-mortgage::before {
    background: rgba(255,255,255,0.5);
}

.legend-wealth {
    color: var(--lime);
}

.legend-wealth::before {
    background: var(--lime);
}

.chart-value {
    font-size: 1.5rem;
    font-weight: var(--font-weight-bold);
    color: var(--lime);
}

.chart-line {
    height: 150px;
    position: relative;
    display: flex;
    align-items: flex-end;
}

.chart-line svg {
    width: 100%;
    height: 100%;
}

.chart-line path {
    fill: none;
    stroke-width: 3;
    stroke-linecap: round;
}

.chart-line .wealth-line {
    stroke: var(--lime);
}

.chart-line .mortgage-line {
    stroke: rgba(255,255,255,0.5);
}

.chart-line .fill-wealth {
    fill: url(#wealthGradient);
}

.chart-line .fill-mortgage {
    fill: url(#mortgageGradient);
}

.chart-stats {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-top: 24px;
    padding-top: 24px;
    border-top: 1px solid rgba(255,255,255,0.1);
}

.chart-stat {
    text-align: center;
    padding: 16px;
    background: rgba(255,255,255,0.05);
    border-radius: 8px;
}

.chart-stat-label {
    font-size: 0.8rem;
    color: rgba(255,255,255,0.5);
    margin-bottom: 4px;
}

.chart-stat-value {
    font-size: 1.25rem;
    font-weight: var(--font-weight-bold);
    color: var(--white);
}

/* Tagline */
.tagline {
    text-align: center;
    padding: 40px 0;
    background: var(--white);
    position: relative;
    z-index: 2;
}

.tagline h2 {
    font-size: 2rem;
    font-weight: var(--font-weight-bold);
    color: var(--navy);
    margin: 0;
}

.tagline .accent {
    color: var(--lime-dark);
}

/* Page Hero (smaller) */
.page-hero {
    padding: 200px 0 100px;
    background: var(--navy);
    color: var(--white);
    position: relative;
    overflow: hidden;
}

.page-hero::before {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 80px;
    background: var(--gradient-lime);
    clip-path: polygon(0 50%, 100% 0, 100% 100%, 0 100%);
}

.page-hero::after {
    content: '';
    position: absolute;
    top: 0;
    right: 0;
    width: 50%;
    height: 100%;
    background: radial-gradient(ellipse at top right, rgba(6, 182, 212, 0.1) 0%, transparent 60%);
}

.page-hero h1 {
    color: var(--white);
    margin-bottom: 16px;
    position: relative;
    z-index: 1;
}

.page-hero p {
    font-size: 1.2rem;
    color: rgba(255,255,255,0.8);
    position: relative;
    z-index: 1;
    max-width: 600px;
    margin-bottom: 0;
}

/* ============================================
   Sections
   ============================================ */
.section {
    padding: var(--section-padding);
    position: relative;
}

.section-white {
    background: var(--white);
}

.section-light {
    background: var(--off-white);
}

.section-navy {
    background: var(--navy);
    color: var(--white);
}

.section-navy h2,
.section-navy h3,
.section-navy h4 {
    color: var(--white);
}

.section-navy p {
    color: rgba(255,255,255,0.8);
}

.section-header {
    text-align: center;
    margin-bottom: 60px;
}

.section-header h2 {
    margin-bottom: 16px;
}

.section-header p {
    max-width: 600px;
    margin: 0 auto;
    font-size: 1.1rem;
}

/* ============================================
   Service Cards
   ============================================ */
.services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
}

.service-card {
    background: var(--white);
    border-radius: 16px;
    padding: 40px 32px;
    position: relative;
    overflow: hidden;
    transition: var(--transition);
    border: 1px solid var(--light-gray);
}

.service-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--gradient-lime);
    transform: scaleX(0);
    transition: var(--transition);
}

.service-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
    border-color: transparent;
}

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

.service-card .icon {
    width: 70px;
    height: 70px;
    background: var(--navy);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 24px;
    transition: var(--transition);
}

.service-card:hover .icon {
    background: var(--gradient-lime);
}

.service-card .icon i {
    font-size: 28px;
    color: var(--lime);
    transition: var(--transition);
}

.service-card:hover .icon i {
    color: var(--navy);
}

.service-card h3 {
    font-size: 1.4rem;
    margin-bottom: 12px;
}

.service-card p {
    font-size: 1rem;
    line-height: 1.7;
    margin-bottom: 24px;
}

.service-card .btn {
    padding: 12px 24px;
    font-size: 0.9rem;
}

/* ============================================
   Feature Section (Full Width with Diagonal)
   ============================================ */
.feature-section {
    padding: 120px 0;
    background: var(--navy);
    color: var(--white);
    position: relative;
    overflow: hidden;
}

.feature-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 80px;
    background: var(--gradient-lime);
    clip-path: polygon(0 0, 100% 0, 100% 50%, 0 100%);
}

.feature-section::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 80px;
    background: var(--gradient-lime);
    clip-path: polygon(0 50%, 100% 0, 100% 100%, 0 100%);
}

.feature-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.feature-grid.reverse {
    direction: rtl;
}

.feature-grid.reverse > * {
    direction: ltr;
}

.feature-content h2 {
    color: var(--white);
    font-size: clamp(2rem, 4vw, 3rem);
    margin-bottom: 24px;
}

.feature-content p {
    font-size: 1.15rem;
    color: rgba(255,255,255,0.85);
    margin-bottom: 32px;
    line-height: 1.8;
}

.feature-list {
    list-style: none;
    padding: 0;
    margin-bottom: 32px;
}

.feature-list li {
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 12px 0;
    color: rgba(255,255,255,0.9);
    font-size: 1.05rem;
}

.feature-list li i {
    width: 32px;
    height: 32px;
    background: var(--gradient-lime);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--navy);
    font-size: 0.9rem;
    flex-shrink: 0;
}

.feature-icon {
    text-align: center;
}

.feature-icon i {
    font-size: 10rem;
    color: var(--lime);
    opacity: 0.9;
    filter: drop-shadow(0 20px 40px rgba(6, 182, 212, 0.3));
}

/* ============================================
   Process Steps
   ============================================ */
.process-grid {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 24px;
}

.process-step {
    text-align: center;
    padding: 32px 20px;
    position: relative;
}

.process-step::after {
    content: '';
    position: absolute;
    top: 50px;
    right: -12px;
    width: 24px;
    height: 2px;
    background: var(--light-gray);
}

.process-step:last-child::after {
    display: none;
}

.process-number {
    width: 60px;
    height: 60px;
    background: var(--navy);
    color: var(--lime);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: var(--font-weight-bold);
    margin: 0 auto 20px;
    transition: var(--transition);
}

.process-step:hover .process-number {
    background: var(--gradient-lime);
    color: var(--navy);
    transform: scale(1.1);
}

.process-step h4 {
    font-size: 1.1rem;
    margin-bottom: 8px;
}

.process-step p {
    font-size: 0.9rem;
    margin-bottom: 0;
}

/* ============================================
   Cards (Feature Cards for Inner Pages)
   ============================================ */
.card-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

@media (max-width: 1200px) {
    .card-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

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

.card {
    background: var(--white);
    border-radius: 16px;
    overflow: hidden;
    box-shadow: var(--shadow-md);
    transition: var(--transition);
    border: 1px solid var(--light-gray);
}

.card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
}

.card-header {
    padding: 32px;
    background: var(--navy);
    color: var(--white);
    position: relative;
}

.card-header::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--gradient-lime);
}

.card-header h3 {
    color: var(--white);
    margin-bottom: 8px;
    display: flex;
    align-items: center;
    gap: 12px;
}

.card-header h3 i {
    color: var(--lime);
}

.card-header h3 span {
    color: #ffffff !important;
}

.card-header p {
    color: rgba(255,255,255,0.8);
    margin-bottom: 0;
    font-size: 0.95rem;
}

.card-body {
    padding: 32px;
}

.card-body h4 {
    color: var(--navy);
    margin-bottom: 12px;
}

/* Pros/Cons Cards */
.pros-cons-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
    margin-top: 24px;
}

.pros-card, .cons-card {
    padding: 24px;
    border-radius: 12px;
}

.pros-card {
    background: linear-gradient(135deg, rgba(6, 182, 212, 0.1) 0%, rgba(34, 211, 238, 0.05) 100%);
    border: 1px solid rgba(6, 182, 212, 0.3);
}

.cons-card {
    background: linear-gradient(135deg, rgba(251, 191, 36, 0.1) 0%, rgba(245, 158, 11, 0.05) 100%);
    border: 1px solid rgba(251, 191, 36, 0.3);
}

.pros-card h4, .cons-card h4 {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 12px;
    font-size: 1rem;
}

.pros-card h4 {
    color: var(--lime-dark);
}

.cons-card h4 {
    color: #d97706;
}

.pros-card p, .cons-card p {
    margin-bottom: 0;
    font-size: 0.95rem;
}

/* ============================================
   Info Boxes
   ============================================ */
.info-box {
    background: linear-gradient(135deg, rgba(15, 23, 41, 0.05) 0%, rgba(26, 39, 68, 0.03) 100%);
    border-left: 4px solid var(--navy);
    padding: 28px 32px;
    margin: 32px 0;
    border-radius: 0 12px 12px 0;
}

.info-box h4 {
    color: var(--navy);
    margin-bottom: 12px;
}

.info-box p:last-child {
    margin-bottom: 0;
}

.info-box ul {
    margin-bottom: 0;
}

.info-box li {
    margin-bottom: 8px;
}

/* Highlight Box */
.highlight-box {
    background: var(--navy);
    color: var(--white);
    padding: 40px;
    border-radius: 16px;
    margin: 40px 0;
    position: relative;
    overflow: hidden;
}

.highlight-box::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 6px;
    height: 100%;
    background: var(--gradient-lime);
}

.highlight-box h3 {
    color: #06b6d4 !important;
    margin-bottom: 16px;
}

.highlight-box p {
    color: rgba(255,255,255,0.9);
    font-size: 1.1rem;
    margin-bottom: 0;
}

/* Warning Box */
.warning-box {
    background: linear-gradient(135deg, rgba(251, 191, 36, 0.1) 0%, rgba(245, 158, 11, 0.05) 100%);
    border-left: 4px solid #f59e0b;
    padding: 24px 28px;
    margin: 32px 0;
    border-radius: 0 12px 12px 0;
}

.warning-box p {
    margin-bottom: 0;
    color: var(--dark-gray);
}

/* Disclaimer */
.disclaimer {
    background: var(--navy);
    color: var(--white);
    padding: 24px 32px;
    margin: 40px 0;
    border-radius: 12px;
    text-align: center;
}

.disclaimer p {
    font-size: 1rem;
    margin-bottom: 0;
    color: rgba(255,255,255,0.9);
}

/* Prominent disclaimer - matches highlight-box body text size */
.disclaimer.disclaimer-lg p {
    font-size: 1.1rem;
}

/* Regulatory caveat line shown beneath a disclaimer box */
.reg-caveat {
    text-align: center;
    font-size: 0.95rem;
    color: var(--dark-gray);
    margin-top: -24px;
    margin-bottom: 0;
}

.footnote {
    font-size: 0.875rem;
    color: var(--dark-gray);
    margin-top: 16px;
}

/* ============================================
   Content Section
   ============================================ */
.content-section {
    padding: var(--section-padding);
}

.content-section h2 {
    margin-top: 60px;
    margin-bottom: 24px;
    display: block;
}

.content-section h2:first-of-type {
    margin-top: 0;
}

/* Accent bar sits as its own block BELOW the heading, so it's a consistent
   56px bar under the start of the heading regardless of wording or wrapping
   (was a fixed 60px bar absolutely positioned at the bottom-left, which
   under-lined a random number of letters and dropped under line 2 on wrap). */
.content-section h2::after {
    content: '';
    display: block;
    width: 56px;
    height: 4px;
    margin-top: 12px;
    background: var(--gradient-lime);
    border-radius: 2px;
}

.content-section h3 {
    margin-top: 48px;
    margin-bottom: 16px;
    color: var(--navy);
}

.content-section ul,
.content-section ol {
    margin-bottom: 24px;
}

.content-section li {
    margin-bottom: 12px;
    line-height: 1.7;
}

/* Two Column Layout */
.two-col {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: start;
}

/* Icon List (for content sections) */
.icon-list {
    list-style: none;
    padding: 0;
}

.icon-list li {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    padding: 16px 0;
    border-bottom: 1px solid var(--light-gray);
}

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

.icon-list li i {
    width: 40px;
    height: 40px;
    background: var(--navy);
    color: var(--lime);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
    flex-shrink: 0;
}

.icon-list li strong {
    display: block;
    color: var(--navy);
    margin-bottom: 4px;
}

/* ============================================
   Team Grid
   ============================================ */
.team-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 32px;
}

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

.team-card {
    background: var(--white);
    overflow: hidden;
    box-shadow: var(--shadow-md);
    transition: var(--transition);
    border-radius: 16px;
    border: 1px solid var(--light-gray);
}

.team-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
}

.team-card img {
    width: 100%;
    height: 500px;
    object-fit: cover;
    object-position: center 15%;
    transition: var(--transition);
}

.team-card:hover img {
    transform: scale(1.05);
}

.team-card-content {
    padding: 28px;
    position: relative;
}

.team-card-content::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--gradient-lime);
}

.team-card h3 {
    font-size: 1.35rem;
    margin-bottom: 4px;
}

.team-card .role {
    color: var(--lime-dark);
    font-weight: var(--font-weight-semibold);
    font-size: 0.9rem;
    margin-bottom: 16px;
    display: block;
}

.team-card p {
    font-size: 0.95rem;
    margin-bottom: 0;
}

/* Team List (horizontal layout - photo left, text right) */
.team-list {
    display: flex;
    flex-direction: column;
    gap: 32px;
}

.team-member {
    display: grid;
    grid-template-columns: 240px 1fr;
    align-items: start;
    gap: 32px;
    background: var(--white);
    border-radius: 16px;
    overflow: hidden;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--light-gray);
    transition: var(--transition);
}

.team-member:hover {
    box-shadow: var(--shadow-lg);
}

.team-member img {
    width: 100%;
    height: 320px;
    object-fit: cover;
    object-position: center 15%;
}

.team-member-content {
    padding: 16px 32px 16px 0;
}

.team-member h3 {
    font-size: 1.35rem;
    margin-top: 0;
    margin-bottom: 4px;
}

.team-member .role {
    color: var(--lime-dark);
    font-weight: var(--font-weight-semibold);
    font-size: 0.9rem;
    margin-bottom: 12px;
    display: block;
}

.team-member p {
    font-size: 0.95rem;
    margin-bottom: 0;
    line-height: 1.7;
}

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

    .team-member img {
        width: 100%;
        max-width: 300px;
        height: auto;
        aspect-ratio: 1761 / 2000; /* match the portrait photos so faces aren't cropped */
        margin: 0 auto;
        display: block;
        object-position: center 25%;
    }

    .team-member-content {
        padding: 24px;
    }
}

/* ============================================
   Contact Section
   ============================================ */
.contact-grid {
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 64px;
    align-items: start;
}

.contact-form {
    background: var(--white);
    padding: 48px;
    box-shadow: var(--shadow-lg);
    border-radius: 16px;
    border: 1px solid var(--light-gray);
}

.contact-form h2 {
    margin-bottom: 8px;
}

.contact-form > p {
    margin-bottom: 32px;
}

.form-group {
    margin-bottom: 24px;
}

.form-group label {
    display: block;
    margin-bottom: 8px;
    font-weight: var(--font-weight-semibold);
    color: var(--navy);
    font-size: 0.9rem;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 16px 20px;
    border: 2px solid var(--light-gray);
    background: var(--off-white);
    font-family: var(--font-family);
    font-size: 1rem;
    transition: var(--transition);
    border-radius: 10px;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--lime);
    background: var(--white);
    box-shadow: 0 0 0 4px rgba(6, 182, 212, 0.15);
}

.form-group textarea {
    min-height: 160px;
    resize: vertical;
}

.contact-info {
    padding: 20px 0;
}

.contact-info h2 {
    margin-bottom: 16px;
}

.contact-info > p {
    margin-bottom: 40px;
}

.contact-item {
    display: flex;
    align-items: flex-start;
    gap: 20px;
    margin-bottom: 32px;
}

.contact-item i {
    width: 56px;
    height: 56px;
    background: var(--navy);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--lime);
    font-size: 1.25rem;
    flex-shrink: 0;
    border-radius: 12px;
}

.contact-item-content h4 {
    font-size: 1rem;
    margin-bottom: 4px;
}

.contact-item-content p {
    margin-bottom: 0;
    font-size: 0.95rem;
}

.contact-item-content a {
    color: var(--lime-dark);
    font-weight: var(--font-weight-medium);
}

/* ============================================
   CTA Section
   ============================================ */
.cta-section {
    background: var(--navy);
    padding: 100px 0;
    text-align: center;
    color: var(--white);
    position: relative;
    overflow: hidden;
}

.cta-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 6px;
    background: var(--gradient-lime);
}

.cta-section::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 6px;
    background: var(--gradient-lime);
}

.cta-section h2 {
    color: var(--white);
    margin-bottom: 16px;
}

.cta-section p {
    font-size: 1.2rem;
    color: rgba(255,255,255,0.85);
    margin-bottom: 40px;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

/* ============================================
   Footer
   ============================================ */
.footer {
    background: var(--navy);
    color: var(--white);
    padding: 80px 0 0;
    position: relative;
}

.footer::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 6px;
    background: var(--gradient-lime);
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 48px;
    margin-bottom: 64px;
}

.footer-col h4 {
    color: var(--white);
    font-size: 1.1rem;
    margin-bottom: 24px;
    font-weight: var(--font-weight-semibold);
}

.footer-col p {
    color: rgba(255,255,255,0.7);
    font-size: 0.95rem;
    line-height: 1.7;
}

.footer-col ul {
    list-style: none;
    padding: 0;
}

.footer-col ul li {
    margin-bottom: 12px;
}

.footer-col ul a {
    color: rgba(255,255,255,0.7);
    font-size: 0.95rem;
    transition: var(--transition);
    display: inline-block;
}

.footer-col ul a:hover {
    color: var(--lime);
    transform: translateX(4px);
}

.footer-logo {
    margin-bottom: 20px;
}

.footer-logo img {
    height: 50px;
}

.social-links {
    display: flex;
    gap: 12px;
    margin-top: 24px;
}

.social-links a {
    width: 48px;
    height: 48px;
    background: rgba(255,255,255,0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-size: 1.1rem;
    transition: var(--transition);
    border-radius: 10px;
}

.social-links a:hover {
    background: var(--lime);
    color: var(--navy);
    transform: translateY(-4px);
}

/* Footer Regulatory */
.footer-regulatory {
    border-top: 1px solid rgba(255,255,255,0.1);
    padding: 40px 0;
    text-align: center;
}

.footer-regulatory p {
    font-size: 0.85rem;
    color: rgba(255,255,255,0.6);
    margin-bottom: 8px;
}

.footer-regulatory p:first-child {
    font-weight: var(--font-weight-semibold);
    color: rgba(255,255,255,0.8);
}

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.1);
    padding: 24px 0;
    text-align: center;
}

.footer-bottom p {
    font-size: 0.85rem;
    color: rgba(255,255,255,0.5);
    margin-bottom: 0;
}

/* ============================================
   Mobile Responsive
   ============================================ */
@media (max-width: 1024px) {
    .hero-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .hero-visual {
        max-width: 500px;
        margin: 0 auto;
    }

    .feature-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .feature-icon {
        order: -1;
    }

    .feature-icon i {
        font-size: 6rem;
    }

    .services-grid {
        grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    }

    .process-grid {
        grid-template-columns: repeat(3, 1fr);
    }

    .process-step:nth-child(3)::after {
        display: none;
    }

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

    .contact-grid {
        grid-template-columns: 1fr;
        gap: 48px;
    }

    .two-col {
        grid-template-columns: 1fr;
        gap: 40px;
    }
}

@media (max-width: 768px) {
    :root {
        --section-padding: 80px 0;
    }

    .header-inner {
        padding: 12px 16px;
    }

    .logo img {
        height: 40px;
        margin-top: 0;
    }

    .nav {
        position: fixed;
        top: 104px; /* top-bar (40px) + header (64px) */
        left: 0;
        right: 0;
        background: var(--navy);
        flex-direction: column;
        padding: 24px;
        box-shadow: var(--shadow-lg);
        transform: translateY(-120%);
        opacity: 0;
        transition: var(--transition);
    }

    .nav.active {
        transform: translateY(0);
        opacity: 1;
    }

    .nav-item {
        display: block;
        width: 100%;
    }

    .nav > a,
    .nav-item > a {
        display: block;
        width: 100%;
        padding: 16px;
        font-size: 1rem;
        margin-top: 0;
    }

    .nav-item .dropdown {
        position: static;
        opacity: 1;
        visibility: visible;
        transform: none;
        box-shadow: none;
        padding: 0 0 0 24px;
        display: none;
        border: none;
        margin-top: 8px;
        background: transparent;
    }

    .nav-item .dropdown a {
        color: rgba(255,255,255,0.7);
    }

    .nav-item .dropdown a:hover {
        background: rgba(255,255,255,0.1);
        color: var(--lime);
    }

    .nav-item:hover .dropdown,
    .nav-item.active .dropdown {
        display: block;
    }

    .mobile-toggle {
        display: flex;
    }

    .mobile-toggle.active span:nth-child(1) {
        transform: rotate(45deg) translate(6px, 6px);
    }

    .mobile-toggle.active span:nth-child(2) {
        opacity: 0;
    }

    .mobile-toggle.active span:nth-child(3) {
        transform: rotate(-45deg) translate(6px, -6px);
    }

    .hero {
        min-height: auto;
        padding: 160px 0 100px;
    }

    .hero::before {
        height: 80px;
    }

    .hero-content {
        text-align: center;
    }

    .btn-group {
        justify-content: center;
    }

    .page-hero {
        padding: 160px 0 80px;
    }

    .page-hero::before {
        height: 60px;
    }

    .process-grid {
        grid-template-columns: 1fr;
        max-width: 400px;
        margin: 0 auto;
    }

    .process-step::after {
        display: none;
    }

    .footer-grid {
        grid-template-columns: 1fr;
        text-align: center;
        gap: 40px;
    }

    .social-links {
        justify-content: center;
    }

    .contact-form {
        padding: 32px 24px;
    }

    .pros-cons-grid {
        grid-template-columns: 1fr;
    }

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

    .card-header {
        padding: 20px 16px;
    }

    .card-header h3 {
        display: block !important;
        font-size: 1.1rem !important;
        line-height: 1.6 !important;
        color: #ffffff !important;
        margin: 0 !important;
    }

    .card-header h3 i {
        display: inline !important;
        margin-right: 10px !important;
        font-size: 1rem !important;
        color: #06b6d4 !important;
        vertical-align: baseline !important;
    }

    .card-header h3 span {
        display: inline !important;
        color: #ffffff !important;
        font-size: inherit !important;
    }

    .card-header p {
        font-size: 0.85rem;
        margin-top: 8px;
    }

    .card-body {
        padding: 20px 16px;
    }

    .highlight-box {
        padding: 32px 24px;
    }

    .tagline h2 {
        font-size: 1.5rem;
    }

    .team-card img {
        height: 450px;
        object-fit: cover;
        object-position: top center;
    }
}

@media (max-width: 480px) {
    .container {
        padding: 0 16px;
    }

    .btn {
        padding: 14px 24px;
        font-size: 0.9rem;
        width: 100%;
    }

    .btn-group {
        flex-direction: column;
    }

    .info-box,
    .warning-box {
        padding: 20px 24px;
    }

    .hero-chart {
        padding: 24px;
    }

    .chart-stats {
        grid-template-columns: 1fr;
    }

    .team-card img {
        height: 420px;
        object-fit: cover;
        object-position: top center;
    }

    .team-card-content {
        padding: 20px;
    }
}

/* ============================================
   Reviews Page
   ============================================ */
.review-platforms {
    display: flex;
    gap: 24px;
    justify-content: center;
    margin-bottom: 60px;
    flex-wrap: wrap;
}

.review-platform-card {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 20px 32px;
    background: var(--navy);
    color: var(--white);
    border-radius: 12px;
    font-weight: var(--font-weight-semibold);
    transition: var(--transition);
}

.review-platform-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    color: var(--white);
}

.review-platform-card i {
    font-size: 1.5rem;
    color: var(--lime);
}

.reviews-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(340px, 1fr));
    gap: 32px;
}

.review-card {
    background: var(--white);
    border-radius: 16px;
    padding: 32px;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--light-gray);
    transition: var(--transition);
}

.review-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.review-stars {
    margin-bottom: 16px;
}

.review-stars i {
    color: #fbbf24;
    font-size: 1.1rem;
}

.review-text {
    font-size: 1.05rem;
    line-height: 1.7;
    color: var(--dark-gray);
    margin-bottom: 20px;
    font-style: italic;
}

.review-author {
    display: flex;
    flex-direction: column;
    gap: 2px;
}

.review-author strong {
    color: var(--navy);
    font-weight: var(--font-weight-semibold);
}

.review-author span {
    font-size: 0.85rem;
    color: var(--lime-dark);
}

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

    .review-platform-card {
        width: 100%;
        justify-content: center;
    }
}

/* ============================================
   Animations
   ============================================ */
@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes slideIn {
    from {
        opacity: 0;
        transform: translateX(-30px);
    }
    to {
        opacity: 1;
        transform: translateX(0);
    }
}

.hero-content {
    animation: fadeInUp 0.8s ease 0.2s forwards;
    opacity: 0;
}

.hero-visual {
    animation: fadeInUp 0.8s ease 0.4s forwards;
    opacity: 0;
}

.page-hero h1,
.page-hero p {
    animation: fadeInUp 0.6s ease forwards;
    opacity: 0;
}

.page-hero p {
    animation-delay: 0.15s;
}