@import url('https://fonts.googleapis.com/css2?family=Outfit:wght@300;400;500;600;700;800&family=Playfair+Display:ital,wght@0,600;0,700;1,600&display=swap');

:root {
  --navy: #0B2545;
  --navy-light: #133E70;
  --navy-dark: #061426;
  --gold: #D4AF37;
  --gold-light: #F2CC59;
  --gold-dark: #B5952F;
  --white: #FFFFFF;
  --off-white: #F8F9FA;
  --gray-light: #E2E8F0;
  --gray: #64748B;
  --gray-dark: #334155;
  --text-main: #1E293B;
  
  --shadow-sm: 0 2px 4px rgba(11,37,69,0.05);
  --shadow-md: 0 8px 16px -4px rgba(11,37,69,0.1);
  --shadow-lg: 0 20px 25px -5px rgba(11,37,69,0.15), 0 10px 10px -5px rgba(11,37,69,0.04);
  --shadow-glow: 0 0 20px rgba(212, 175, 55, 0.4);
  
  --radius-md: 8px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  
  --transition: all 0.4s cubic-bezier(0.16, 1, 0.3, 1);
  
  --glass-bg: rgba(255, 255, 255, 0.1);
  --glass-border: rgba(255, 255, 255, 0.2);
}

* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

body {
  font-family: 'Outfit', sans-serif;
  color: var(--text-main);
  background-color: var(--off-white);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

/* Typography upgrade: Use Playfair for headings for a premium financial feel */
h1, h2, h3, .serif {
  font-family: 'Playfair Display', serif;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 1rem;
}

h4, h5, h6 {
  color: var(--navy);
  line-height: 1.3;
  margin-bottom: 1rem;
  font-weight: 600;
}

h1 { font-size: clamp(3rem, 6vw, 4.5rem); font-weight: 700; letter-spacing: -0.02em; }
h2 { font-size: clamp(2.5rem, 4vw, 3.5rem); font-weight: 700; letter-spacing: -0.01em; }
h3 { font-size: clamp(1.75rem, 3vw, 2.25rem); font-weight: 600; }

p {
  margin-bottom: 1.5rem;
  font-size: 1.125rem;
  color: var(--gray-dark);
  font-weight: 300;
}

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

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

/* Layout Utilities */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

.section {
  padding: 7rem 0;
}

.section-bg-navy {
  background: var(--navy-dark);
  background: radial-gradient(circle at top right, var(--navy-light) 0%, var(--navy-dark) 80%);
  color: var(--white);
}

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

.section-bg-navy p {
  opacity: 0.9;
}

.text-center { text-align: center; }
.mb-1 { margin-bottom: 0.5rem; }
.mb-2 { margin-bottom: 1rem; }
.mb-3 { margin-bottom: 1.5rem; }
.mb-4 { margin-bottom: 2.5rem; }
.mt-4 { margin-top: 2.5rem; }

/* Premium Buttons */
.btn {
  display: inline-block;
  padding: 1.125rem 2.5rem;
  border-radius: 50px;
  font-weight: 600;
  font-size: 1.125rem;
  letter-spacing: 0.02em;
  cursor: pointer;
  transition: var(--transition);
  text-align: center;
  border: 2px solid transparent;
  position: relative;
  overflow: hidden;
  z-index: 1;
}

.btn::after {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: linear-gradient(rgba(255,255,255,0.2), transparent);
  z-index: -1;
  transition: var(--transition);
  opacity: 0;
}

.btn:hover::after {
  opacity: 1;
}

.btn-primary {
  background: linear-gradient(135deg, var(--gold-light), var(--gold));
  color: var(--navy-dark);
  box-shadow: var(--shadow-md);
  border: none;
}

.btn-primary:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-glow);
  color: var(--navy-dark);
}

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

.btn-secondary:hover {
  background-color: var(--navy);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

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

.btn-white:hover {
  transform: translateY(-3px);
  box-shadow: 0 10px 20px rgba(0,0,0,0.15);
  color: var(--navy-dark);
}

/* Header & Nav */
header {
  background-color: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(0,0,0,0.05);
  position: sticky;
  top: 0;
  z-index: 1000;
  transition: var(--transition);
}

.nav-container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  height: 90px;
}

.logo-container {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.logo-placeholder {
  width: 54px;
  height: 54px;
  background: linear-gradient(135deg, var(--navy), var(--navy-dark));
  color: var(--gold);
  display: flex;
  justify-content: center;
  align-items: center;
  font-weight: 800;
  font-size: 1.1rem;
  border-radius: 12px;
  box-shadow: 0 4px 10px rgba(11,37,69,0.2);
}

.logo-text {
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--navy);
  font-family: 'Playfair Display', serif;
}

.logo-text span {
  color: var(--gold-dark);
  font-style: italic;
  font-weight: 600;
}

.nav-links {
  display: flex;
  gap: 2.5rem;
  list-style: none;
  align-items: center;
}

.nav-links a {
  font-weight: 500;
  color: var(--navy-light);
  font-size: 1.05rem;
  position: relative;
}

.nav-links a:not(.btn):hover,
.nav-links a:not(.btn).active {
  color: var(--navy-dark);
}

.nav-links a:not(.btn)::after {
  content: '';
  position: absolute;
  width: 0;
  height: 2px;
  bottom: -6px;
  left: 0;
  background-color: var(--gold);
  transition: var(--transition);
  border-radius: 2px;
}

.nav-links a:not(.btn):hover::after,
.nav-links a:not(.btn).active::after {
  width: 100%;
}




.mobile-menu-btn {
  display: none;
  background: none;
  border: none;
  font-size: 1.5rem;
  color: var(--navy);
  cursor: pointer;
}

/* Hero Section */
.hero {
  position: relative;
  background: var(--navy-dark);
  min-height: 90vh;
  display: flex;
  align-items: center;
  color: var(--white);
  padding: 6rem 0;
  overflow: hidden;
}

.hero-video {
  position: absolute;
  top: 50%;
  left: 50%;
  min-width: 100%;
  min-height: 100%;
  width: auto;
  height: auto;
  transform: translateX(-50%) translateY(-50%);
  z-index: 0;
  object-fit: cover;
  opacity: 0.6;
}

.hero::after {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: var(--navy);
  opacity: 0.5;
  z-index: 1;
}

.hero-overlay {
  position: absolute;
  top: 0;
  right: 0;
  bottom: 0;
  width: 50%;
  background: linear-gradient(90deg, transparent, rgba(11,37,69,0.8));
  z-index: 2;
}

.hero .container {
  position: relative;
  z-index: 3;
}

.hero-content {
  max-width: 650px;
}

.hero h1 {
  color: var(--white);
  margin-bottom: 1.5rem;
  text-shadow: 0 4px 20px rgba(0,0,0,0.3);
}

.hero p {
  color: var(--gray-light);
  font-size: 1.25rem;
  font-weight: 400;
  margin-bottom: 3rem;
  max-width: 550px;
}

.hero-buttons {
  display: flex;
  gap: 1.5rem;
  flex-wrap: wrap;
}

/* Glass Card positioned absolute on hero for desktop */
@media (min-width: 992px) {
  .hero-glass-card {
    position: absolute;
    right: 1.5rem;
    top: 50%;
    transform: translateY(-50%);
    width: 380px;
    background: rgba(255, 255, 255, 0.08);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border: 1px solid rgba(255,255,255,0.15);
    border-radius: var(--radius-lg);
    padding: 2.5rem;
    box-shadow: 0 25px 50px -12px rgba(0,0,0,0.3);
  }
}

.stars {
  color: var(--gold);
  font-size: 1.25rem;
  margin-bottom: 1rem;
}

/* Cards & Grid */
.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 4rem;
  align-items: center;
}

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2.5rem;
}

.grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
}

.card {
  background: var(--white);
  padding: 3rem 2.5rem;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  height: 100%;
  border: 1px solid rgba(0,0,0,0.03);
  display: flex;
  flex-direction: column;
}

.card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(212, 175, 55, 0.3);
}

.card-icon {
  width: 70px;
  height: 70px;
  background: linear-gradient(135deg, rgba(212, 175, 55, 0.1), rgba(212, 175, 55, 0.2));
  color: var(--gold-dark);
  border-radius: 20px;
  display: flex;
  justify-content: center;
  align-items: center;
  font-size: 1.75rem;
  margin-bottom: 2rem;
  transition: var(--transition);
}

.card:hover .card-icon {
  background: var(--gold);
  color: var(--white);
  box-shadow: 0 10px 20px rgba(212, 175, 55, 0.3);
}

.card h3 {
  margin-bottom: 1rem;
  font-size: 1.5rem;
}

.card p {
  flex-grow: 1;
}

/* Forms */
.form-group {
  margin-bottom: 1.5rem;
}

.form-group label {
  display: block;
  font-weight: 500;
  margin-bottom: 0.5rem;
  color: var(--navy);
  font-size: 0.95rem;
}

.form-control {
  width: 100%;
  padding: 1rem 1.25rem;
  background-color: var(--off-white);
  border: 1px solid var(--gray-light);
  border-radius: 8px;
  font-family: inherit;
  font-size: 1rem;
  transition: var(--transition);
  color: var(--navy-dark);
}

.form-control:focus {
  outline: none;
  border-color: var(--gold);
  background-color: var(--white);
  box-shadow: 0 0 0 4px rgba(212, 175, 55, 0.15);
}

.lead-form-card {
  background: var(--white);
  padding: 3rem;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(0,0,0,0.05);
}

/* Photos */
.photo-placeholder {
  background: linear-gradient(135deg, var(--gray-light), #cbd5e1);
  border-radius: var(--radius-lg);
  display: flex;
  justify-content: center;
  align-items: center;
  color: var(--gray-dark);
  font-weight: 500;
  aspect-ratio: 3/4;
  overflow: hidden;
  position: relative;
  box-shadow: var(--shadow-md);
}

.photo-placeholder::after {
  content: 'Photo Placeholder';
  position: absolute;
}

.photo-placeholder img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  position: relative;
  z-index: 1;
}

/* Trust Section */
.trust-badges {
  background-color: var(--white);
  padding: 3.5rem 0;
  border-bottom: 1px solid var(--gray-light);
}

.trust-badges-container {
  display: flex;
  justify-content: space-around;
  flex-wrap: wrap;
  gap: 2rem;
}

.trust-badge {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 1rem;
  color: var(--navy-dark);
  font-weight: 600;
  font-size: 1.1rem;
  transition: var(--transition);
}

.trust-badge:hover {
  transform: translateY(-5px);
}

.trust-badge-icon {
  width: 60px;
  height: 60px;
  background: var(--off-white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  color: var(--gold);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.trust-badge:hover .trust-badge-icon {
  background: var(--gold);
  color: var(--white);
  box-shadow: 0 8px 15px rgba(212, 175, 55, 0.3);
}

/* Steps */
.step-item {
  display: flex;
  gap: 1.5rem;
  margin-bottom: 2rem;
  background: var(--white);
  padding: 1.5rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-light);
  transition: var(--transition);
}

.step-item:hover {
  box-shadow: var(--shadow-md);
  transform: translateX(5px);
  border-color: rgba(212, 175, 55, 0.3);
}

.step-number {
  background: var(--navy);
  color: var(--gold);
  width: 50px;
  height: 50px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1.25rem;
  flex-shrink: 0;
  box-shadow: 0 4px 10px rgba(11,37,69,0.2);
}

/* Testimonials */
.testimonial-card {
  background: rgba(255,255,255,0.05);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,0.1);
  padding: 2.5rem;
  border-radius: var(--radius-lg);
  color: var(--white);
  transition: var(--transition);
}

.testimonial-card:hover {
  background: rgba(255,255,255,0.08);
  transform: translateY(-5px);
}

.testimonial-text {
  font-size: 1.125rem;
  line-height: 1.7;
  font-style: italic;
  margin-bottom: 1.5rem;
  color: rgba(255,255,255,0.9);
}

/* Footer */
footer {
  background-color: var(--navy-dark);
  color: var(--white);
  padding: 5rem 0 2rem;
  border-top: 4px solid var(--gold);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 4rem;
  margin-bottom: 4rem;
}

.footer-col h4 {
  color: var(--gold);
  margin-bottom: 1.5rem;
  font-family: 'Outfit', sans-serif;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  font-size: 0.95rem;
}

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

.footer-links li {
  margin-bottom: 1rem;
}

.footer-links a {
  color: var(--gray-light);
  transition: var(--transition);
}

.footer-links a:hover {
  color: var(--gold);
  padding-left: 5px;
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 2rem;
  text-align: center;
  color: var(--gray);
  font-size: 0.875rem;
}

/* Animations */
.fade-in {
  opacity: 0;
  transform: translateY(30px);
  animation: fadeIn 0.8s cubic-bezier(0.16, 1, 0.3, 1) forwards;
}

.delay-1 { animation-delay: 0.1s; }
.delay-2 { animation-delay: 0.2s; }
.delay-3 { animation-delay: 0.3s; }
.delay-4 { animation-delay: 0.4s; }

@keyframes fadeIn {
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* Media Queries */
@media (max-width: 1024px) {
  .hero-glass-card {
    display: none;
  }
  .hero-overlay {
    width: 70%;
  }
}

@media (max-width: 992px) {
  .grid-2, .grid-3, .grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }
  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 768px) {
  .nav-links {
    display: none;
    position: absolute;
    top: 90px;
    left: 0;
    width: 100%;
    background: rgba(255, 255, 255, 0.98);
    backdrop-filter: blur(10px);
    flex-direction: column;
    padding: 2rem;
    box-shadow: var(--shadow-md);
    gap: 1.5rem;
    align-items: flex-start;
  }
  
  .nav-links.active {
    display: flex;
  }

  .nav-links a {
    font-size: 1.25rem;
  }
  
  .mobile-menu-btn {
    display: block;
  }

  .grid-2, .grid-3, .grid-4 {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }

  .section {
    padding: 5rem 0;
  }
  
  .hero {
    text-align: center;
    padding: 8rem 0 6rem;
  }
  
  .hero-overlay {
    width: 100%;
    background: linear-gradient(180deg, transparent, rgba(11,37,69,0.95));
  }
  
  .hero-buttons {
    justify-content: center;
  }

  .hero p {
    margin: 0 auto 3rem;
  }

  h1 {
    font-size: clamp(2.5rem, 8vw, 3rem);
  }
}