@import url('https://fonts.googleapis.com/css2?family=EB+Garamond:ital,wght@0,400;0,600;0,700;1,400&family=Lato:wght@300;400;600;700&display=swap');

:root {
  --navy:       #0d1f3c;
  --navy-mid:   #162c52;
  --navy-light: #1e3a6e;
  --gold:       #c9a84c;
  --gold-light: #e8c97a;
  --gold-pale:  #f5edce;
  --cream:      #faf8f3;
  --white:      #ffffff;
  --text:       #2c3e50;
  --muted:      #6b7a8d;
  --border:     #e4dfd4;
  --dark-bg:    #07121f;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'Lato', sans-serif; background: var(--cream); color: var(--text); overflow-x: hidden; }

/* ── NAV ── */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 200;
  background: rgba(13,31,60,0.97);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(201,168,76,0.2);
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 5%; height: 70px;
}
.nav-logo {
  font-family: 'EB Garamond', serif; font-size: 1.45rem; font-weight: 700;
  color: var(--white); letter-spacing: 0.03em; text-decoration: none;
}
.nav-logo .advisory { color: var(--gold); font-weight: 400; }
.nav-links { display: flex; gap: 2rem; list-style: none; align-items: center; }
.nav-links a {
  color: rgba(255,255,255,0.72); text-decoration: none;
  font-size: 0.82rem; font-weight: 600; letter-spacing: 0.09em;
  text-transform: uppercase; transition: color 0.2s;
  padding-bottom: 3px; border-bottom: 2px solid transparent;
}
.nav-links a:hover,
.nav-links a.active { color: var(--gold); border-bottom-color: var(--gold); }
.nav-cta {
  background: var(--gold) !important; color: var(--navy) !important;
  padding: 0.5rem 1.3rem !important; border-radius: 3px;
  font-weight: 700 !important; border-bottom: none !important;
  transition: background 0.2s !important;
}
.nav-cta:hover { background: var(--gold-light) !important; }
.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 4px; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--white); margin: 5px 0; }

/* ── PAGE HERO ── */
.page-hero {
  padding: 130px 5% 72px; background: var(--navy);
  text-align: center; position: relative; overflow: hidden;
}
.page-hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 70% 60% at 50% 0%, rgba(201,168,76,0.07) 0%, transparent 70%);
  pointer-events: none;
}
.page-hero::after {
  content: ''; position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,0.015) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,0.015) 1px, transparent 1px);
  background-size: 60px 60px; pointer-events: none;
}
.page-hero-inner { position: relative; z-index: 1; max-width: 700px; margin: 0 auto; }
.page-hero .label {
  display: inline-block; color: var(--gold); font-size: 0.72rem;
  font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; margin-bottom: 1rem;
}
.page-hero h1 {
  font-family: 'EB Garamond', serif; font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 700; color: var(--white); line-height: 1.2; margin-bottom: 1.2rem;
}
.page-hero p {
  font-size: 1.02rem; color: rgba(255,255,255,0.6);
  line-height: 1.8; font-weight: 300; max-width: 560px; margin: 0 auto;
}
.gold-bar { width: 48px; height: 2px; background: var(--gold); margin: 1rem auto; }

/* ── SECTIONS ── */
section { padding: 88px 5%; }
.section-inner { max-width: 1100px; margin: 0 auto; }
.section-label {
  display: inline-block; color: var(--gold); font-size: 0.72rem;
  font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; margin-bottom: 0.9rem;
}
.section-title {
  font-family: 'EB Garamond', serif; font-size: clamp(1.8rem, 3vw, 2.5rem);
  font-weight: 700; color: var(--navy); line-height: 1.2; margin-bottom: 0.9rem;
}
.section-title.white { color: var(--white); }
.section-sub { font-size: 0.98rem; color: var(--muted); line-height: 1.8; max-width: 620px; font-weight: 300; }
.section-sub.white { color: rgba(255,255,255,0.55); }
.gold-rule { width: 48px; height: 2px; background: var(--gold); margin: 1rem 0; }

/* ── CARDS ── */
.card {
  background: var(--white); border: 1px solid var(--border);
  border-radius: 8px; padding: 2rem 1.8rem;
  transition: transform 0.25s, box-shadow 0.25s, border-color 0.25s;
  position: relative; overflow: hidden;
}
.card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: var(--gold); transform: scaleX(0); transform-origin: left; transition: transform 0.3s;
}
.card:hover { transform: translateY(-4px); box-shadow: 0 12px 32px rgba(13,31,60,0.09); border-color: rgba(201,168,76,0.35); }
.card:hover::before { transform: scaleX(1); }
.card h3 { font-family: 'EB Garamond', serif; font-size: 1.15rem; font-weight: 700; color: var(--navy); margin-bottom: 0.65rem; }
.card p { font-size: 0.88rem; color: var(--muted); line-height: 1.75; font-weight: 300; }
.card-icon { width: 44px; height: 44px; background: var(--navy); border-radius: 8px; display: flex; align-items: center; justify-content: center; font-size: 1.2rem; margin-bottom: 1.2rem; }

/* ── FACT BLOCKS ── */
.fact {
  display: flex; gap: 1rem; align-items: flex-start;
  padding: 1.2rem 1.4rem; background: var(--cream);
  border-left: 3px solid var(--gold); border-radius: 0 6px 6px 0; margin-bottom: 1rem;
}
.fact-diamond { flex-shrink: 0; color: var(--gold); font-size: 0.85rem; margin-top: 3px; }
.fact p { font-size: 0.88rem; color: var(--text); line-height: 1.72; }
.fact strong { color: var(--navy); }

/* ── BUTTONS ── */
.btn-gold {
  background: var(--gold); color: var(--navy); padding: 0.85rem 2.2rem;
  border-radius: 3px; text-decoration: none; font-weight: 700; font-size: 0.85rem;
  letter-spacing: 0.08em; text-transform: uppercase;
  transition: background 0.2s, transform 0.2s; display: inline-block;
}
.btn-gold:hover { background: var(--gold-light); transform: translateY(-2px); }
.btn-navy {
  background: var(--navy); color: var(--white); padding: 0.85rem 2.2rem;
  border-radius: 3px; text-decoration: none; font-weight: 700; font-size: 0.85rem;
  letter-spacing: 0.08em; text-transform: uppercase;
  transition: background 0.2s; display: inline-block;
}
.btn-navy:hover { background: var(--navy-mid); }
.btn-outline {
  border: 1px solid rgba(255,255,255,0.3); color: rgba(255,255,255,0.85);
  padding: 0.85rem 2.2rem; border-radius: 3px; text-decoration: none;
  font-weight: 600; font-size: 0.85rem; letter-spacing: 0.08em; text-transform: uppercase;
  transition: border-color 0.2s, background 0.2s; display: inline-block;
}
.btn-outline:hover { border-color: var(--gold); background: rgba(201,168,76,0.08); }
.btn-group { display: flex; gap: 1rem; flex-wrap: wrap; }

/* ── CTA STRIP ── */
.cta-strip { background: var(--gold); text-align: center; padding: 80px 5%; }
.cta-strip h2 { font-family: 'EB Garamond', serif; font-size: clamp(1.8rem, 3vw, 2.5rem); font-weight: 700; color: var(--navy); margin-bottom: 0.9rem; }
.cta-strip p { font-size: 0.98rem; color: rgba(13,31,60,0.7); max-width: 520px; margin: 0 auto 2.2rem; line-height: 1.8; font-weight: 300; }

/* ── FOOTER ── */
footer { background: var(--dark-bg); padding: 60px 5% 36px; }
.footer-inner { max-width: 1100px; margin: 0 auto; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 3rem; margin-bottom: 3rem; }
.f-logo { font-family: 'EB Garamond', serif; font-size: 1.4rem; font-weight: 700; color: var(--white); margin-bottom: 0.8rem; }
.f-logo span { color: var(--gold); font-weight: 400; }
.footer-brand p { font-size: 0.84rem; color: rgba(255,255,255,0.38); line-height: 1.75; font-weight: 300; }
.footer-col h4 { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gold); margin-bottom: 1rem; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 0.5rem; }
.footer-col a { color: rgba(255,255,255,0.42); text-decoration: none; font-size: 0.86rem; transition: color 0.2s; }
.footer-col a:hover { color: var(--gold); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.06); padding-top: 1.5rem; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 0.5rem; }
.footer-bottom p { font-size: 0.76rem; color: rgba(255,255,255,0.22); }

/* ── ANIMATIONS ── */
@keyframes fadeUp { from { opacity: 0; transform: translateY(20px); } to { opacity: 1; transform: translateY(0); } }
.fade-up   { animation: fadeUp 0.8s ease both; }
.fade-up-2 { animation: fadeUp 0.8s 0.15s ease both; }
.fade-up-3 { animation: fadeUp 0.8s 0.3s ease both; }

/* ── RESPONSIVE ── */
@media (max-width: 960px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 700px) {
  .nav-links { display: none; flex-direction: column; position: absolute; top: 70px; left: 0; right: 0; background: var(--navy); padding: 1.5rem 5%; gap: 1rem; border-bottom: 1px solid rgba(201,168,76,0.2); }
  .nav-links.open { display: flex; }
  .nav-toggle { display: block; }
  .footer-grid { grid-template-columns: 1fr; }
}