/* ==========================================================================
   25 Carat Wealth — Design System
   Hand-authored CSS. No build step, no framework, no dependencies.
   Tokens derived from the "Twenty-Five Carat" design system.
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. Tokens
   -------------------------------------------------------------------------- */
:root {
  /* Brand palette */
  --trust-teal: #1cb3c8;
  --trust-teal-dark: #159cae;
  --deep-navy: #1a365d;
  --deep-navy-soft: #24457099;
  --wealth-gold: #c5a059;
  --regulator-gray: #64748b;
  --success-emerald: #10b981;
  --risk-ruby: #e11d48;
  --primary: #006876;
  --on-primary: #ffffff;

  /* Surfaces */
  --surface: #f7f9fb;
  --surface-lowest: #ffffff;
  --surface-low: #f2f4f6;
  --surface-container: #eceef0;
  --surface-high: #e6e8ea;
  --surface-highest: #e0e3e5;

  /* Text */
  --on-surface: #191c1e;
  --on-surface-variant: #3d494b;

  /* Lines */
  --outline: #6d797c;
  --outline-variant: #d3dade;

  /* Layout */
  --container-max: 1200px;
  --gutter: 24px;
  --section-gap: 80px;

  /* Radii */
  --r-sm: 2px;
  --r: 4px;
  --r-md: 6px;
  --r-lg: 8px;
  --r-xl: 12px;
  --r-2xl: 20px;
  --r-full: 9999px;

  /* Elevation */
  --shadow-soft: 0 4px 20px rgba(26, 54, 93, 0.05);
  --shadow-card: 0 10px 30px rgba(26, 54, 93, 0.08);
  --shadow-lift: 0 16px 40px rgba(26, 54, 93, 0.12);

  /* Type */
  --font-display: "Montserrat", "Segoe UI", system-ui, sans-serif;
  --font-body: "Inter", "Segoe UI", system-ui, -apple-system, sans-serif;
}

/* --------------------------------------------------------------------------
   2. Reset & base
   -------------------------------------------------------------------------- */
*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 96px;
  -webkit-text-size-adjust: 100%;
}

body {
  margin: 0;
  background: var(--surface);
  color: var(--on-surface);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 24px;
  font-weight: 400;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

body.nav-open {
  overflow: hidden;
}

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

a {
  color: inherit;
  text-decoration: none;
}

button,
input,
select,
textarea {
  font: inherit;
  color: inherit;
}

button {
  cursor: pointer;
  border: none;
  background: none;
}

::selection {
  background: var(--trust-teal);
  color: #fff;
}

:focus-visible {
  outline: 2px solid var(--trust-teal);
  outline-offset: 3px;
  border-radius: var(--r);
}

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  z-index: 200;
  background: var(--deep-navy);
  color: #fff;
  padding: 12px 20px;
  border-radius: 0 0 var(--r-lg) 0;
}
.skip-link:focus {
  left: 0;
}

/* --------------------------------------------------------------------------
   3. Typography
   -------------------------------------------------------------------------- */
h1,
h2,
h3,
h4,
h5 {
  font-family: var(--font-display);
  color: var(--deep-navy);
  margin: 0;
}

.t-display {
  font-size: 48px;
  line-height: 56px;
  font-weight: 700;
  letter-spacing: -0.02em;
}

.t-headline-lg {
  font-size: 32px;
  line-height: 40px;
  font-weight: 600;
  letter-spacing: -0.01em;
}

.t-headline-md {
  font-size: 24px;
  line-height: 32px;
  font-weight: 600;
}

.t-body-lg {
  font-size: 18px;
  line-height: 28px;
}

.t-label {
  font-size: 14px;
  line-height: 20px;
  font-weight: 500;
  letter-spacing: 0.01em;
}

.t-disclaimer {
  font-size: 12px;
  line-height: 18px;
  letter-spacing: 0.01em;
  color: var(--regulator-gray);
}

.eyebrow {
  display: block;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--trust-teal);
  margin-bottom: 16px;
}

.eyebrow--gold {
  color: var(--wealth-gold);
}

p {
  margin: 0 0 16px;
}
p:last-child {
  margin-bottom: 0;
}

.lede {
  font-size: 18px;
  line-height: 30px;
  color: var(--on-surface-variant);
}

.muted {
  color: var(--on-surface-variant);
}

.teal {
  color: var(--trust-teal);
}
.gold {
  color: var(--wealth-gold);
}
.navy {
  color: var(--deep-navy);
}
.emerald {
  color: var(--success-emerald);
}
.ruby {
  color: var(--risk-ruby);
}

/* --------------------------------------------------------------------------
   4. Layout
   -------------------------------------------------------------------------- */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding-inline: var(--gutter);
}

.section {
  padding-block: var(--section-gap);
}

.section--tight {
  padding-block: 56px;
}

.section--alt {
  background: var(--surface-low);
  border-block: 1px solid var(--outline-variant);
}

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

.section--navy {
  background: var(--deep-navy);
  color: #fff;
}
.section--navy h1,
.section--navy h2,
.section--navy h3,
.section--navy h4 {
  color: #fff;
}

.section-head {
  max-width: 680px;
  margin: 0 auto 56px;
  text-align: center;
}

.section-head p {
  color: var(--on-surface-variant);
  margin-top: 16px;
}

.section-head--left {
  margin-inline: 0;
  text-align: left;
}

.rule {
  width: 72px;
  height: 3px;
  background: var(--wealth-gold);
  border: 0;
  margin: 24px auto 0;
}

.grid {
  display: grid;
  gap: 24px;
}
.grid--2 {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}
.grid--3 {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}
.grid--4 {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}
.grid--gap-lg {
  gap: 32px;
}

.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}

.stack-sm > * + * {
  margin-top: 12px;
}
.stack > * + * {
  margin-top: 24px;
}

/* --------------------------------------------------------------------------
   5. Icons
   -------------------------------------------------------------------------- */
.material-symbols-outlined {
  font-family: "Material Symbols Outlined";
  font-weight: normal;
  font-style: normal;
  font-size: 24px;
  line-height: 1;
  letter-spacing: normal;
  text-transform: none;
  display: inline-block;
  white-space: nowrap;
  word-wrap: normal;
  direction: ltr;
  font-variation-settings: "FILL" 0, "wght" 400, "GRAD" 0, "opsz" 24;
  -webkit-font-feature-settings: "liga";
  -webkit-font-smoothing: antialiased;
  vertical-align: middle;
  user-select: none;
}

.icon--fill {
  font-variation-settings: "FILL" 1, "wght" 400, "GRAD" 0, "opsz" 24;
}
.icon--sm {
  font-size: 18px;
}
.icon--lg {
  font-size: 32px;
}
.icon--xl {
  font-size: 40px;
}

.icon-tile {
  width: 56px;
  height: 56px;
  border-radius: var(--r-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(28, 179, 200, 0.1);
  color: var(--trust-teal);
  margin-bottom: 24px;
  transition: background 0.25s ease, color 0.25s ease;
}

.icon-tile--round {
  border-radius: var(--r-full);
}
.icon-tile--gold {
  background: rgba(197, 160, 89, 0.12);
  color: var(--wealth-gold);
}
.icon-tile--emerald {
  background: rgba(16, 185, 129, 0.12);
  color: var(--success-emerald);
}
.icon-tile--navy {
  background: rgba(26, 54, 93, 0.08);
  color: var(--deep-navy);
}

/* --------------------------------------------------------------------------
   6. Buttons
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: var(--r);
  font-family: var(--font-body);
  font-size: 15px;
  font-weight: 600;
  letter-spacing: 0.01em;
  border: 1px solid transparent;
  transition: background 0.2s ease, color 0.2s ease, border-color 0.2s ease,
    transform 0.15s ease, box-shadow 0.2s ease;
  white-space: nowrap;
}

.btn:active {
  transform: scale(0.985);
}

.btn--primary {
  background: var(--trust-teal);
  color: #fff;
}
.btn--primary:hover {
  background: var(--primary);
}

.btn--navy {
  background: var(--deep-navy);
  color: #fff;
}
.btn--navy:hover {
  background: var(--primary);
}

.btn--gold {
  background: var(--wealth-gold);
  color: var(--deep-navy);
}
.btn--gold:hover {
  background: #fff;
}

.btn--outline {
  background: transparent;
  border-color: var(--deep-navy);
  color: var(--deep-navy);
}
.btn--outline:hover {
  background: var(--deep-navy);
  color: #fff;
}

.btn--ghost {
  background: transparent;
  border-color: rgba(255, 255, 255, 0.35);
  color: #fff;
}
.btn--ghost:hover {
  background: rgba(255, 255, 255, 0.12);
}

.btn--lg {
  padding: 16px 32px;
  font-size: 17px;
  border-radius: var(--r-lg);
}

.btn--block {
  width: 100%;
}

.btn--on-dark.btn--primary:hover {
  background: #fff;
  color: var(--deep-navy);
}

.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--trust-teal);
  font-weight: 700;
  font-size: 13px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  transition: gap 0.2s ease;
}
.link-arrow:hover {
  gap: 14px;
}

.text-link {
  color: var(--trust-teal);
  font-weight: 600;
  border-bottom: 1px solid transparent;
  transition: border-color 0.2s ease;
}
.text-link:hover {
  border-bottom-color: currentColor;
}

/* --------------------------------------------------------------------------
   7. Header & navigation
   -------------------------------------------------------------------------- */
.site-header {
  position: fixed;
  inset: 0 0 auto 0;
  z-index: 100;
  background: rgba(247, 249, 251, 0.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--outline-variant);
}

.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 80px;
  gap: 24px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}

.brand img {
  height: 48px;
  width: auto;
}

.brand__name {
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 700;
  color: var(--deep-navy);
  letter-spacing: -0.01em;
  line-height: 1.1;
}

.brand__tagline {
  display: block;
  font-family: var(--font-body);
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--trust-teal);
  margin-top: 2px;
}

.nav {
  display: flex;
  align-items: center;
  gap: 28px;
}

.nav a {
  position: relative;
  font-size: 15px;
  color: var(--on-surface-variant);
  padding-bottom: 4px;
  transition: color 0.2s ease;
}

.nav a::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0;
  width: 0;
  height: 2px;
  background: var(--trust-teal);
  transition: width 0.25s ease;
}

.nav a:hover {
  color: var(--trust-teal);
}
.nav a:hover::after {
  width: 100%;
}

.nav a.is-active {
  color: var(--trust-teal);
  font-weight: 700;
}
.nav a.is-active::after {
  width: 100%;
}

/* The in-drawer call to action is hidden on desktop, where .header-cta shows */
.nav__cta {
  display: none;
}
.nav__cta a::after {
  display: none;
}

.nav-toggle {
  display: none;
  color: var(--deep-navy);
  padding: 8px;
  border-radius: var(--r);
}

.header-cta {
  flex-shrink: 0;
}

/* Mobile drawer */
.nav-backdrop {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(26, 54, 93, 0.45);
  z-index: 98;
  opacity: 0;
  transition: opacity 0.25s ease;
}
.nav-backdrop.is-open {
  display: block;
  opacity: 1;
}

/* --------------------------------------------------------------------------
   8. Hero carousel
   -------------------------------------------------------------------------- */
.hero {
  position: relative;
  height: 88vh;
  min-height: 560px;
  max-height: 820px;
  overflow: hidden;
  background: var(--deep-navy);
}

.hero__track {
  position: absolute;
  inset: 0;
}

.hero__slide {
  position: absolute;
  inset: 0;
  opacity: 0;
  visibility: hidden;
  background-size: cover;
  background-position: center;
  transition: opacity 1s ease-in-out, visibility 1s;
  transform: scale(1.04);
}

.hero__slide.is-active {
  opacity: 1;
  visibility: visible;
  z-index: 2;
  transform: scale(1);
  transition: opacity 1s ease-in-out, transform 6s ease-out;
}

.hero__scrim {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    100deg,
    rgba(26, 54, 93, 0.92) 0%,
    rgba(26, 54, 93, 0.7) 40%,
    rgba(26, 54, 93, 0.18) 100%
  );
}

.hero__body {
  position: relative;
  z-index: 3;
  height: 100%;
  display: flex;
  align-items: center;
}

.hero__copy {
  max-width: 640px;
  color: #fff;
}

.hero__copy h1 {
  color: #fff;
  margin-bottom: 20px;
}

.hero__copy p {
  font-size: 18px;
  line-height: 30px;
  margin-bottom: 32px;
  color: rgba(255, 255, 255, 0.9);
}

.hero__controls {
  position: absolute;
  bottom: 40px;
  right: 0;
  left: 0;
  z-index: 10;
}

.hero__controls-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.hero__dots {
  display: flex;
  gap: 10px;
}

.hero__dot {
  width: 32px;
  height: 4px;
  border-radius: var(--r-full);
  background: rgba(255, 255, 255, 0.35);
  transition: background 0.25s ease;
}
.hero__dot.is-active {
  background: var(--trust-teal);
}

.hero__arrows {
  display: flex;
  gap: 12px;
}

.circle-btn {
  width: 48px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1px solid rgba(255, 255, 255, 0.5);
  border-radius: var(--r-full);
  color: #fff;
  transition: background 0.2s ease, color 0.2s ease;
}
.circle-btn:hover {
  background: #fff;
  color: var(--deep-navy);
}

.circle-btn--light {
  border-color: var(--outline-variant);
  color: var(--deep-navy);
  width: 44px;
  height: 44px;
}
.circle-btn--light:hover {
  background: var(--trust-teal);
  border-color: var(--trust-teal);
  color: #fff;
}

/* Page banner (interior pages) */
.page-banner {
  padding-block: 88px 72px;
  background: var(--surface-low);
  border-bottom: 1px solid var(--outline-variant);
  position: relative;
  overflow: hidden;
}

.page-banner::after {
  content: "";
  position: absolute;
  width: 520px;
  height: 520px;
  right: -160px;
  top: -220px;
  border-radius: 50%;
  background: radial-gradient(
    circle,
    rgba(28, 179, 200, 0.16) 0%,
    rgba(28, 179, 200, 0) 68%
  );
  pointer-events: none;
}

.page-banner__inner {
  position: relative;
  z-index: 1;
  max-width: 780px;
}

.page-banner h1 {
  margin-bottom: 20px;
}

/* --------------------------------------------------------------------------
   9. Cards
   -------------------------------------------------------------------------- */
.card {
  background: var(--surface-lowest);
  border: 1px solid var(--outline-variant);
  border-radius: var(--r-lg);
  padding: 32px;
  transition: border-color 0.25s ease, transform 0.25s ease,
    box-shadow 0.25s ease;
}

.card--hover:hover {
  border-color: var(--trust-teal);
  transform: translateY(-4px);
  box-shadow: var(--shadow-soft);
}

.card--hover:hover .icon-tile {
  background: var(--trust-teal);
  color: #fff;
}

.card--pad-lg {
  padding: 40px;
}

.card--center {
  text-align: center;
}
.card--center .icon-tile {
  margin-inline: auto;
}

.card h3 {
  margin-bottom: 12px;
}

.card p {
  color: var(--on-surface-variant);
  font-size: 15px;
  line-height: 25px;
}

.card--navy {
  background: var(--deep-navy);
  border-color: var(--deep-navy);
  color: #fff;
  position: relative;
  overflow: hidden;
}
.card--navy h2,
.card--navy h3,
.card--navy h4 {
  color: #fff;
}
.card--navy p {
  color: rgba(255, 255, 255, 0.78);
}

.card--flush {
  padding: 0;
  overflow: hidden;
}

.card__watermark {
  position: absolute;
  right: -40px;
  bottom: -50px;
  opacity: 0.08;
  font-size: 200px;
  line-height: 1;
  pointer-events: none;
}

.feature-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 14px;
}

.feature-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 15px;
  color: var(--on-surface-variant);
}

.feature-list .material-symbols-outlined {
  color: var(--trust-teal);
  font-size: 20px;
  flex-shrink: 0;
  margin-top: 2px;
}

.feature-list strong {
  display: block;
  color: var(--deep-navy);
  font-weight: 600;
}

.dot-list {
  list-style: none;
  margin: 0 0 24px;
  padding: 0;
  display: grid;
  gap: 12px;
}
.dot-list li {
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--on-surface-variant);
  font-size: 15px;
}
.dot-list li::before {
  content: "";
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--trust-teal);
  flex-shrink: 0;
}
.dot-list--gold li::before {
  background: var(--wealth-gold);
}
.dot-list--emerald li::before {
  background: var(--success-emerald);
}

.pill {
  display: inline-block;
  padding: 6px 14px;
  border-radius: var(--r-full);
  background: var(--surface-high);
  color: var(--on-surface-variant);
  font-size: 13px;
  font-weight: 500;
}

.pill--teal {
  background: rgba(28, 179, 200, 0.08);
  border: 1px solid rgba(28, 179, 200, 0.25);
  color: var(--trust-teal);
}

.pill-row {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 28px;
}

/* Media panel — replaces stock photography with a branded gradient plate */
.media-plate {
  position: relative;
  border-radius: var(--r-xl);
  overflow: hidden;
  border: 1px solid var(--outline-variant);
  background: linear-gradient(135deg, var(--deep-navy) 0%, #0b2740 60%, #05303a 100%);
  min-height: 260px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  padding: 40px;
  text-align: center;
}

.media-plate::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(
      circle at 20% 20%,
      rgba(28, 179, 200, 0.35) 0%,
      transparent 55%
    ),
    radial-gradient(circle at 85% 80%, rgba(197, 160, 89, 0.28) 0%, transparent 55%);
}

.media-plate__content {
  position: relative;
  z-index: 1;
}

.media-plate .material-symbols-outlined {
  font-size: 56px;
  color: var(--wealth-gold);
  margin-bottom: 16px;
}

.media-plate h4 {
  color: #fff;
  margin-bottom: 8px;
}

.media-plate p {
  color: rgba(255, 255, 255, 0.75);
  font-size: 14px;
  max-width: 320px;
  margin-inline: auto;
}

.photo-frame {
  border-radius: var(--r-xl);
  overflow: hidden;
  border: 1px solid var(--outline-variant);
  box-shadow: var(--shadow-card);
}

.photo-frame img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

/* --------------------------------------------------------------------------
   10. Stats & credentials
   -------------------------------------------------------------------------- */
.stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
}

.stat {
  text-align: center;
  padding: 24px 32px;
  border-right: 1px solid var(--outline-variant);
}
.stat:last-child {
  border-right: 0;
}

.stat__value {
  display: block;
  font-family: var(--font-display);
  font-size: 48px;
  line-height: 56px;
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--trust-teal);
  margin-bottom: 8px;
}

.stat__label {
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 600;
  color: var(--deep-navy);
  margin-bottom: 8px;
}

.stat__note {
  color: var(--on-surface-variant);
  font-size: 14px;
  line-height: 22px;
  margin: 0;
}

.credential-bar {
  background: var(--deep-navy);
  color: #fff;
  padding-block: 14px;
}

.credential-bar__inner {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: center;
  gap: 12px 48px;
  font-size: 12px;
  line-height: 18px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  opacity: 0.85;
  text-align: center;
}

.credential-bar__item {
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.credential-bar .material-symbols-outlined {
  font-size: 16px;
  color: var(--wealth-gold);
}

/* --------------------------------------------------------------------------
   11. Testimonials
   -------------------------------------------------------------------------- */
.testimonial {
  position: relative;
  background: var(--surface-lowest);
  border: 1px solid var(--outline-variant);
  border-radius: var(--r-lg);
  padding: 40px 32px 32px;
}

.testimonial__mark {
  position: absolute;
  top: -18px;
  left: 28px;
  background: var(--surface);
  padding-inline: 8px;
  color: var(--trust-teal);
  font-size: 36px;
}

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

.testimonial__quote {
  font-style: italic;
  font-size: 16px;
  line-height: 28px;
  color: var(--on-surface-variant);
  margin-bottom: 24px;
}

.testimonial__author {
  display: flex;
  align-items: center;
  gap: 14px;
}

.avatar {
  width: 46px;
  height: 46px;
  border-radius: var(--r-full);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 15px;
  color: #fff;
  background: var(--deep-navy);
  flex-shrink: 0;
  letter-spacing: 0.02em;
}
.avatar--teal {
  background: var(--trust-teal);
}
.avatar--gold {
  background: var(--wealth-gold);
  color: var(--deep-navy);
}

.testimonial__name {
  font-weight: 700;
  color: var(--deep-navy);
  font-size: 15px;
}

.testimonial__role {
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--on-surface-variant);
}

/* --------------------------------------------------------------------------
   12. Accordion
   -------------------------------------------------------------------------- */
.accordion {
  display: grid;
  gap: 12px;
}

.accordion__item {
  background: var(--surface-lowest);
  border: 1px solid var(--outline-variant);
  border-radius: var(--r-lg);
  overflow: hidden;
  transition: border-color 0.2s ease;
}

.accordion__item.is-open {
  border-color: var(--trust-teal);
}

.accordion__trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 24px;
  text-align: left;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 17px;
  color: var(--deep-navy);
}

.accordion__trigger .material-symbols-outlined {
  color: var(--trust-teal);
  transition: transform 0.3s ease;
  flex-shrink: 0;
}

.accordion__item.is-open .accordion__trigger .material-symbols-outlined {
  transform: rotate(180deg);
}

.accordion__panel {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease;
}

.accordion__panel-inner {
  padding: 0 24px 24px;
  color: var(--on-surface-variant);
  font-size: 15px;
  line-height: 26px;
}

/* --------------------------------------------------------------------------
   13. Calculators
   -------------------------------------------------------------------------- */
.calc-layout {
  display: grid;
  grid-template-columns: 280px minmax(0, 1fr);
  gap: 32px;
  align-items: start;
}

.calc-nav {
  position: sticky;
  top: 104px;
  background: var(--surface-lowest);
  border: 1px solid var(--outline-variant);
  border-radius: var(--r-xl);
  padding: 12px;
  display: grid;
  gap: 4px;
}

.calc-nav__btn {
  display: flex;
  align-items: center;
  gap: 12px;
  width: 100%;
  padding: 12px 14px;
  border-radius: var(--r-lg);
  font-size: 15px;
  font-weight: 600;
  color: var(--on-surface-variant);
  text-align: left;
  transition: background 0.2s ease, color 0.2s ease;
}

.calc-nav__btn:hover {
  background: var(--surface-low);
  color: var(--deep-navy);
}

.calc-nav__btn.is-active {
  background: rgba(28, 179, 200, 0.1);
  color: var(--trust-teal);
}

.calc-panel {
  background: var(--surface-lowest);
  border: 1px solid var(--outline-variant);
  border-radius: var(--r-xl);
  padding: 40px;
  box-shadow: var(--shadow-soft);
}

.calc-view {
  display: none;
}
.calc-view.is-active {
  display: block;
}

.calc-view__head {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 32px;
}

.calc-view__head .icon-tile {
  margin-bottom: 0;
  border-radius: var(--r-full);
  flex-shrink: 0;
}

.calc-view__head p {
  color: var(--on-surface-variant);
  font-size: 15px;
  margin: 4px 0 0;
}

.calc-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: 40px;
  align-items: start;
}

.field {
  margin-bottom: 20px;
}

.field label {
  display: block;
  font-size: 14px;
  font-weight: 600;
  color: var(--deep-navy);
  margin-bottom: 8px;
}

.field input[type="number"],
.field input[type="text"],
.field input[type="email"],
.field input[type="tel"],
.field select,
.field textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--outline-variant);
  border-radius: var(--r-lg);
  background: var(--surface-lowest);
  font-size: 15px;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.field textarea {
  min-height: 130px;
  resize: vertical;
}

.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--trust-teal);
  box-shadow: 0 0 0 3px rgba(28, 179, 200, 0.16);
}

.field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.field-hint {
  font-size: 12px;
  color: var(--regulator-gray);
  margin-top: 6px;
}

.check {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 14px;
  background: var(--surface-low);
  border: 1px solid var(--outline-variant);
  border-radius: var(--r-lg);
  margin-bottom: 16px;
  cursor: pointer;
}

.check input[type="checkbox"] {
  width: 18px;
  height: 18px;
  accent-color: var(--trust-teal);
  cursor: pointer;
  margin: 0;
}

.check span {
  font-size: 14px;
  font-weight: 600;
  color: var(--deep-navy);
}

.result-card {
  background: var(--surface-low);
  border: 1px solid var(--outline-variant);
  border-radius: var(--r-xl);
  padding: 28px;
}

.result-row {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 16px;
  padding-bottom: 14px;
  margin-bottom: 14px;
  border-bottom: 1px solid var(--outline-variant);
}

.result-row span:first-child {
  color: var(--on-surface-variant);
  font-size: 14px;
}

.result-row output,
.result-row span:last-child {
  font-weight: 700;
  color: var(--deep-navy);
  font-size: 16px;
  font-variant-numeric: tabular-nums;
}

.result-total {
  text-align: center;
  padding-top: 12px;
}

.result-total__label {
  display: block;
  font-size: 12px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--on-surface-variant);
  margin-bottom: 6px;
}

.result-total__value {
  display: block;
  font-family: var(--font-display);
  font-size: 32px;
  line-height: 40px;
  font-weight: 700;
  color: var(--trust-teal);
  font-variant-numeric: tabular-nums;
  word-break: break-word;
}

.table-wrap {
  margin-top: 32px;
  overflow-x: auto;
  border: 1px solid var(--outline-variant);
  border-radius: var(--r-lg);
}

table.data {
  width: 100%;
  border-collapse: collapse;
  font-size: 14px;
  min-width: 640px;
}

table.data thead th {
  background: var(--deep-navy);
  color: #fff;
  text-align: left;
  padding: 12px 16px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 13px;
  letter-spacing: 0.02em;
  white-space: nowrap;
}

table.data td {
  padding: 12px 16px;
  border-bottom: 1px solid var(--outline-variant);
  color: var(--on-surface-variant);
  font-variant-numeric: tabular-nums;
  white-space: nowrap;
}

table.data tbody tr:nth-child(even) {
  background: var(--surface-low);
}

table.data tbody tr:last-child td {
  border-bottom: 0;
}

/* --------------------------------------------------------------------------
   14. Notices & disclaimers
   -------------------------------------------------------------------------- */
.notice {
  padding: 16px 20px;
  border-radius: var(--r-lg);
  border-left: 4px solid var(--wealth-gold);
  background: var(--surface-container);
}

.notice p {
  font-size: 12px;
  line-height: 19px;
  color: var(--regulator-gray);
  font-style: italic;
  margin: 0;
}

.notice--teal {
  border-left-color: var(--trust-teal);
  background: var(--surface-low);
}

.regulatory-strip {
  background: var(--surface-highest);
  border-top: 1px solid var(--outline-variant);
  padding-block: 16px;
}

.regulatory-strip__inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  font-size: 12px;
  line-height: 18px;
  color: var(--on-surface-variant);
}

/* --------------------------------------------------------------------------
   15. CTA panels
   -------------------------------------------------------------------------- */
.cta-panel {
  position: relative;
  overflow: hidden;
  background: var(--deep-navy);
  border-radius: var(--r-2xl);
  padding: 72px 48px;
  text-align: center;
  color: #fff;
}

.cta-panel::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(
      circle at 15% 20%,
      rgba(28, 179, 200, 0.32) 0%,
      transparent 55%
    ),
    radial-gradient(circle at 88% 85%, rgba(197, 160, 89, 0.22) 0%, transparent 55%);
  pointer-events: none;
}

.cta-panel__inner {
  position: relative;
  z-index: 1;
  max-width: 680px;
  margin: 0 auto;
}

.cta-panel h2 {
  color: #fff;
  margin-bottom: 20px;
}

.cta-panel p {
  color: rgba(255, 255, 255, 0.82);
  font-size: 18px;
  line-height: 30px;
  margin-bottom: 36px;
}

.btn-row {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  justify-content: center;
}

.btn-row--left {
  justify-content: flex-start;
}

/* --------------------------------------------------------------------------
   16. Article / content pages
   -------------------------------------------------------------------------- */
.article-card {
  display: flex;
  flex-direction: column;
  background: var(--surface-lowest);
  border: 1px solid var(--outline-variant);
  border-radius: var(--r-lg);
  overflow: hidden;
  transition: border-color 0.25s ease, transform 0.25s ease,
    box-shadow 0.25s ease;
}

.article-card:hover {
  border-color: var(--trust-teal);
  transform: translateY(-4px);
  box-shadow: var(--shadow-soft);
}

.article-card__top {
  height: 6px;
  background: linear-gradient(90deg, var(--trust-teal), var(--deep-navy));
}

.article-card__body {
  padding: 28px;
  display: flex;
  flex-direction: column;
  flex: 1;
}

.article-card__meta {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 12px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--regulator-gray);
  margin-bottom: 14px;
}

.article-card__meta .tag {
  color: var(--trust-teal);
  font-weight: 700;
}

.article-card h3 {
  font-size: 19px;
  line-height: 28px;
  margin-bottom: 12px;
}

.article-card p {
  color: var(--on-surface-variant);
  font-size: 15px;
  line-height: 25px;
  flex: 1;
  margin-bottom: 20px;
}

.prose {
  max-width: 820px;
}

.prose h2 {
  font-size: 26px;
  line-height: 34px;
  margin: 40px 0 16px;
}

.prose h3 {
  font-size: 19px;
  line-height: 28px;
  margin: 28px 0 12px;
}

.prose p,
.prose li {
  color: var(--on-surface-variant);
  font-size: 16px;
  line-height: 28px;
}

.prose ul,
.prose ol {
  padding-left: 22px;
  margin: 0 0 16px;
}

.prose li {
  margin-bottom: 8px;
}

.prose strong {
  color: var(--deep-navy);
}

/* --------------------------------------------------------------------------
   17. Contact
   -------------------------------------------------------------------------- */
.contact-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(0, 0.85fr);
  gap: 48px;
  align-items: start;
}

.contact-item {
  display: flex;
  gap: 16px;
  padding: 22px 0;
  border-bottom: 1px solid var(--outline-variant);
}
.contact-item:last-child {
  border-bottom: 0;
}

.contact-item .material-symbols-outlined {
  color: var(--trust-teal);
  flex-shrink: 0;
}

.contact-item__label {
  display: block;
  font-size: 12px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--regulator-gray);
  margin-bottom: 4px;
}

.contact-item__value {
  font-family: var(--font-display);
  font-size: 18px;
  font-weight: 600;
  color: var(--deep-navy);
  word-break: break-word;
}

a.contact-item__value:hover {
  color: var(--trust-teal);
}

.form-status {
  margin-top: 16px;
  font-size: 14px;
  color: var(--success-emerald);
  font-weight: 600;
  min-height: 20px;
}

/* --------------------------------------------------------------------------
   18. Footer
   -------------------------------------------------------------------------- */
.site-footer {
  background: var(--surface-highest);
  border-top: 1px solid var(--outline-variant);
  padding-block: 72px 0;
}

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

.footer-brand__text {
  color: var(--on-surface-variant);
  font-size: 15px;
  line-height: 26px;
  max-width: 380px;
  margin: 20px 0 24px;
}

.footer-col h4 {
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--deep-navy);
  margin-bottom: 20px;
}

.footer-col ul {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 12px;
}

.footer-col a {
  color: var(--on-surface-variant);
  font-size: 15px;
  transition: color 0.2s ease;
}
.footer-col a:hover {
  color: var(--trust-teal);
}

.social-row {
  display: flex;
  gap: 12px;
}

.social-btn {
  width: 40px;
  height: 40px;
  border: 1px solid var(--outline-variant);
  border-radius: var(--r-full);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--deep-navy);
  transition: background 0.2s ease, border-color 0.2s ease, color 0.2s ease;
}
.social-btn:hover {
  background: var(--trust-teal);
  border-color: var(--trust-teal);
  color: #fff;
}

.footer-legal {
  border-top: 1px solid var(--outline-variant);
  padding-block: 28px 32px;
  text-align: center;
}

.footer-legal p {
  font-size: 12px;
  line-height: 19px;
  color: var(--regulator-gray);
  max-width: 900px;
  margin: 0 auto 8px;
}

.footer-legal p.risk {
  color: var(--on-surface-variant);
  font-weight: 600;
}

/* Floating WhatsApp / call action */
.float-cta {
  position: fixed;
  right: 20px;
  bottom: 20px;
  z-index: 90;
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 14px 20px;
  border-radius: var(--r-full);
  background: var(--trust-teal);
  color: #fff;
  font-weight: 600;
  font-size: 15px;
  box-shadow: var(--shadow-lift);
  transition: background 0.2s ease, transform 0.2s ease;
}
.float-cta:hover {
  background: var(--primary);
  transform: translateY(-2px);
}

/* --------------------------------------------------------------------------
   19. Scroll reveal
   -------------------------------------------------------------------------- */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}

.reveal.is-visible {
  opacity: 1;
  transform: none;
}

.scroll-progress {
  position: fixed;
  top: 0;
  left: 0;
  height: 3px;
  width: 0;
  background: var(--trust-teal);
  z-index: 110;
  transition: width 0.1s linear;
}

/* --------------------------------------------------------------------------
   20. Utilities
   -------------------------------------------------------------------------- */
.mt-0 { margin-top: 0; }
.mt-8 { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mt-40 { margin-top: 40px; }
.mb-0 { margin-bottom: 0; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }
.mb-40 { margin-bottom: 40px; }
.text-center { text-align: center; }
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

main {
  padding-top: 80px;
}

/* --------------------------------------------------------------------------
   21. Responsive
   -------------------------------------------------------------------------- */
@media (max-width: 1024px) {
  :root {
    --section-gap: 64px;
  }

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

  .grid--4 {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .calc-layout {
    grid-template-columns: 1fr;
  }

  .calc-nav {
    position: static;
    grid-template-columns: repeat(3, 1fr);
    gap: 8px;
  }

  .calc-nav__btn {
    justify-content: center;
    text-align: center;
    font-size: 14px;
    padding: 12px 8px;
  }

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

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

@media (max-width: 1080px) {
  .nav,
  .header-cta {
    display: none;
  }

  .nav-toggle {
    display: inline-flex;
  }

  .nav.is-open {
    display: flex;
    position: fixed;
    top: 80px;
    right: 0;
    bottom: 0;
    width: min(320px, 86vw);
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 16px;
    background: var(--surface-lowest);
    border-left: 1px solid var(--outline-variant);
    box-shadow: var(--shadow-lift);
    z-index: 99;
    overflow-y: auto;
  }

  .nav.is-open a {
    padding: 16px 12px;
    border-bottom: 1px solid var(--outline-variant);
    font-size: 16px;
  }

  .nav.is-open a::after {
    display: none;
  }

  .nav.is-open .nav__cta {
    display: block;
    margin-top: 20px;
    border-bottom: 0;
  }

  .nav.is-open .btn {
    width: 100%;
  }
}

@media (max-width: 768px) {
  :root {
    --gutter: 20px;
    --section-gap: 56px;
  }

  .t-display {
    font-size: 32px;
    line-height: 42px;
  }

  .t-headline-lg {
    font-size: 26px;
    line-height: 34px;
  }

  .t-headline-md {
    font-size: 20px;
    line-height: 28px;
  }

  .grid--2,
  .grid--3,
  .grid--4 {
    grid-template-columns: minmax(0, 1fr);
  }

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

  .stat {
    border-right: 0;
    border-bottom: 1px solid var(--outline-variant);
  }
  .stat:last-child {
    border-bottom: 0;
  }

  .hero {
    height: auto;
    min-height: 0;
    max-height: none;
  }

  .hero__track {
    position: relative;
    height: auto;
  }

  .hero__slide {
    position: absolute;
    inset: 0;
  }

  .hero__slide.is-active {
    position: relative;
    inset: auto;
  }

  .hero__body {
    padding-block: 96px 132px;
    align-items: flex-start;
  }

  .hero__controls {
    bottom: 28px;
  }

  .hero__copy p {
    font-size: 16px;
    line-height: 27px;
  }

  .calc-panel {
    padding: 24px 20px;
  }

  .calc-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .calc-nav {
    grid-template-columns: repeat(2, 1fr);
  }

  .card,
  .testimonial {
    padding: 28px 22px;
  }

  .card--pad-lg {
    padding: 28px 22px;
  }

  .cta-panel {
    padding: 48px 24px;
  }

  .cta-panel p {
    font-size: 16px;
    line-height: 27px;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

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

  .btn-row .btn {
    width: 100%;
  }

  .credential-bar__inner {
    gap: 10px 24px;
    letter-spacing: 0.06em;
  }

  .float-cta span:not(.material-symbols-outlined) {
    display: none;
  }

  .float-cta {
    padding: 16px;
    right: 16px;
    bottom: 16px;
  }

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

@media (max-width: 480px) {
  .brand img {
    height: 40px;
  }
  .brand__name {
    font-size: 17px;
  }
  .result-total__value {
    font-size: 26px;
    line-height: 34px;
  }
}

/* --------------------------------------------------------------------------
   22. Motion & print
   -------------------------------------------------------------------------- */
@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }

  .reveal {
    opacity: 1;
    transform: none;
  }
}

@media print {
  .site-header,
  .float-cta,
  .hero__controls,
  .nav-toggle,
  .scroll-progress {
    display: none !important;
  }

  body {
    background: #fff;
  }

  main {
    padding-top: 0;
  }
}