/* ==========================================================================
   Open Financial Advice (Open IFA) — Modern Production Stylesheet
   Vertical: Professional Fiduciary Advice & Mortgages
   Locality: Canary Wharf, London, United Kingdom (Variant A: Editorial Authority)
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. Root Design Tokens & CSS Custom Properties
   -------------------------------------------------------------------------- */
:root {
  /* Brand Palette from design_brief.json */
  --color-bg: #f8fafb;
  --color-surface: #ffffff;
  --color-text: #0c1a1f;
  --color-muted: #475d65;
  --color-primary: #135c66;
  --color-primary-text: #ffffff;
  --color-accent: #37abb8;
  --color-dark: #0c1a1f;
  --color-dark-text: #ffffff;

  /* Tonal Derivatives (Hue-Locked) */
  --color-primary-hover: #0e444b;
  --color-primary-soft: rgba(19, 92, 102, 0.08);
  --color-accent-soft: rgba(55, 171, 184, 0.12);
  --color-accent-hover: #268e99;
  --color-surface-subtle: #f1f5f7;
  --color-surface-card: #ffffff;
  --color-surface-dark: #102127;
  --color-border: rgba(12, 26, 31, 0.12);
  --color-border-light: rgba(12, 26, 31, 0.06);
  --color-border-dark: rgba(255, 255, 255, 0.12);

  /* Typography Families from design_brief.json */
  --font-display: 'Newsreader', Georgia, 'Times New Roman', serif;
  --font-body: 'Public Sans', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;

  /* Fluid Modular Type Scale via clamp() */
  --text-xs: clamp(0.75rem, 0.72rem + 0.15vw, 0.8125rem);
  --text-sm: clamp(0.875rem, 0.84rem + 0.18vw, 0.9375rem);
  --text-base: clamp(1rem, 0.96rem + 0.2vw, 1.0625rem);
  --text-lg: clamp(1.125rem, 1.05rem + 0.35vw, 1.25rem);
  --text-xl: clamp(1.25rem, 1.15rem + 0.5vw, 1.45rem);
  --text-2xl: clamp(1.5rem, 1.35rem + 0.75vw, 1.85rem);
  --text-3xl: clamp(1.85rem, 1.6rem + 1.25vw, 2.35rem);
  --text-4xl: clamp(2.25rem, 1.85rem + 1.75vw, 3rem);
  --text-5xl: clamp(2.75rem, 2.15rem + 2.5vw, 3.85rem);

  /* Spacing Scale */
  --space-1: 0.25rem;
  --space-2: 0.5rem;
  --space-3: 0.75rem;
  --space-4: 1rem;
  --space-5: 1.25rem;
  --space-6: 1.5rem;
  --space-8: 2rem;
  --space-10: 2.5rem;
  --space-12: 3rem;
  --space-16: 4rem;
  --space-20: 5rem;
  --space-24: 6rem;

  /* Elevation Shadows */
  --shadow-sm: 0 1px 3px rgba(12, 26, 31, 0.05);
  --shadow-md: 0 4px 16px rgba(12, 26, 31, 0.08);
  --shadow-lg: 0 12px 32px rgba(12, 26, 31, 0.1);
  --shadow-card: 0 2px 8px rgba(12, 26, 31, 0.04), 0 12px 28px rgba(12, 26, 31, 0.06);

  /* Radii */
  --radius-sm: 4px;
  --radius-md: 8px;
  --radius-lg: 12px;
  --radius-xl: 18px;
  --radius-pill: 9999px;

  /* Layout Containers */
  --container-max: 1240px;
  --container-narrow: 860px;
  --container-pad: clamp(1rem, 3.5vw, 2.5rem);

  /* Transitions */
  --transition-fast: 160ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-normal: 260ms cubic-bezier(0.4, 0, 0.2, 1);
}

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

html {
  font-size: 100%;
  scroll-behavior: smooth;
  text-size-adjust: 100%;
  overflow-x: clip; /* Clip overflows without breaking sticky header */
}

body {
  font-family: var(--font-body);
  font-size: var(--text-base);
  line-height: 1.6;
  color: var(--color-text);
  background-color: var(--color-bg);
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  overflow-x: clip;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

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

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

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

a {
  color: var(--color-primary);
  text-decoration-skip-ink: auto;
  transition: color var(--transition-fast);
}

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

ul, ol {
  list-style: none;
}

/* Accessible Skip Link */
.skip-link {
  position: absolute;
  top: -100px;
  inset-inline-start: var(--space-4);
  background: var(--color-primary);
  color: var(--color-primary-text);
  padding: var(--space-3) var(--space-5);
  z-index: 9999;
  border-radius: var(--radius-sm);
  font-weight: 600;
  text-decoration: none;
  transition: top var(--transition-fast);
}

.skip-link:focus {
  top: var(--space-4);
  outline: 3px solid var(--color-accent);
}

/* Focus Visible Management */
:focus-visible {
  outline: 2px solid var(--color-primary);
  outline-offset: 3px;
}

/* --------------------------------------------------------------------------
   3. Typography & Editorial Hierarchies
   -------------------------------------------------------------------------- */
h1, h2, h3, h4, .font-serif {
  font-family: var(--font-display);
  color: var(--color-text);
  line-height: 1.2;
  font-weight: 600;
  text-wrap: balance;
}

h1 {
  font-size: var(--text-4xl);
  letter-spacing: -0.02em;
}

h2 {
  font-size: var(--text-3xl);
  letter-spacing: -0.015em;
  margin-block-end: var(--space-3);
}

h3 {
  font-size: var(--text-2xl);
  letter-spacing: -0.01em;
  margin-block-end: var(--space-2);
}

h4 {
  font-size: var(--text-xl);
  margin-block-end: var(--space-2);
}

p {
  margin-block-end: var(--space-4);
}

p:last-child {
  margin-block-end: 0;
}

.eyebrow {
  display: inline-block;
  font-size: var(--text-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--color-primary);
  margin-block-end: var(--space-2);
}

.lead {
  font-size: var(--text-lg);
  line-height: 1.55;
  color: var(--color-muted);
}

/* --------------------------------------------------------------------------
   4. Layout Containers & Grid Systems
   -------------------------------------------------------------------------- */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin-inline: auto;
  padding-inline: var(--container-pad);
}

.container-narrow {
  width: 100%;
  max-width: var(--container-narrow);
  margin-inline: auto;
  padding-inline: var(--container-pad);
}

.section {
  padding-block: var(--space-16);
}

.section-lg {
  padding-block: var(--space-24);
}

.section-dark {
  background-color: var(--color-dark);
  color: var(--color-dark-text);
}

.section-dark h1,
.section-dark h2,
.section-dark h3,
.section-dark h4 {
  color: var(--color-dark-text);
}

.section-dark .eyebrow {
  color: var(--color-accent);
}

.section-dark .lead,
.section-dark .text-muted {
  color: rgba(255, 255, 255, 0.72);
}

.section-subtle {
  background-color: var(--color-surface-subtle);
  border-block: 1px solid var(--color-border-light);
}

.section-header {
  margin-block-end: var(--space-12);
}

.section-header.text-center {
  text-align: center;
  max-width: 720px;
  margin-inline: auto;
}

/* --------------------------------------------------------------------------
   5. Pinned Sticky Header & Top Utility Bar
   -------------------------------------------------------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  width: 100%;
  background-color: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-block-end: 1px solid var(--color-border);
  box-shadow: 0 2px 10px rgba(12, 26, 31, 0.04);
}

/* Topbar Announcement & Hours */
.topbar {
  background-color: var(--color-dark);
  color: rgba(255, 255, 255, 0.88);
  font-size: var(--text-xs);
  border-block-end: 1px solid rgba(255, 255, 255, 0.08);
  padding-block: var(--space-2);
}

.topbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: var(--space-3);
}

.topbar-item {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
}

.topbar-item a {
  color: #ffffff;
  text-decoration: none;
  font-weight: 600;
}

.topbar-item a:hover {
  color: var(--color-accent);
}

.topbar-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  background-color: rgba(55, 171, 184, 0.18);
  color: var(--color-accent);
  padding: 0.15rem 0.6rem;
  border-radius: var(--radius-pill);
  font-weight: 600;
}

/* Main Navigation Bar */
.nav-wrapper {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 76px;
  gap: var(--space-6);
}

.brand-link {
  display: flex;
  align-items: center;
  text-decoration: none;
  flex-shrink: 0;
  padding-block: var(--space-2);
}

.brand-logo-img {
  height: 44px;
  width: auto;
  object-fit: contain;
}

.desktop-nav {
  display: none;
}

@media (min-width: 1024px) {
  .desktop-nav {
    display: flex;
    align-items: center;
    gap: var(--space-6);
  }
}

.nav-list {
  display: flex;
  align-items: center;
  gap: var(--space-1);
}

.nav-link {
  display: inline-flex;
  align-items: center;
  padding: var(--space-2) var(--space-3);
  font-size: var(--text-sm);
  font-weight: 500;
  color: var(--color-text);
  text-decoration: none;
  border-radius: var(--radius-sm);
  transition: all var(--transition-fast);
  position: relative;
}

.nav-link:hover {
  color: var(--color-primary);
  background-color: var(--color-primary-soft);
}

.nav-link.active {
  color: var(--color-primary);
  font-weight: 600;
}

.nav-link.active::after {
  content: '';
  position: absolute;
  bottom: -4px;
  inset-inline-start: var(--space-3);
  inset-inline-end: var(--space-3);
  height: 2px;
  background-color: var(--color-primary);
  border-radius: 2px;
}

.header-cta-group {
  display: none;
  align-items: center;
  gap: var(--space-3);
}

@media (min-width: 1024px) {
  .header-cta-group {
    display: flex;
  }
}

/* Mobile Menu Toggle Button */
.menu-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 48px;
  min-height: 48px;
  padding: var(--space-2);
  border-radius: var(--radius-sm);
  color: var(--color-text);
  background-color: transparent;
  border: 1px solid var(--color-border);
  transition: all var(--transition-fast);
}

.menu-toggle:hover {
  background-color: var(--color-surface-subtle);
}

@media (min-width: 1024px) {
  .menu-toggle {
    display: none;
  }
}

.menu-icon {
  width: 24px;
  height: 24px;
  fill: currentColor;
}

/* Mobile Drawer */
.mobile-drawer {
  display: none;
  position: fixed;
  top: 76px;
  inset-inline-start: 0;
  inset-inline-end: 0;
  bottom: 0;
  background-color: var(--color-surface);
  z-index: 999;
  padding: var(--space-6) var(--container-pad);
  overflow-y: auto;
  border-block-start: 1px solid var(--color-border);
  flex-direction: column;
  justify-content: space-between;
  box-shadow: var(--shadow-lg);
}

.mobile-drawer.is-open {
  display: flex;
}

.mobile-nav-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}

.mobile-nav-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-3) var(--space-4);
  font-size: var(--text-lg);
  font-weight: 500;
  color: var(--color-text);
  text-decoration: none;
  border-radius: var(--radius-md);
  border: 1px solid transparent;
  min-height: 48px;
}

.mobile-nav-link:hover,
.mobile-nav-link.active {
  background-color: var(--color-primary-soft);
  color: var(--color-primary);
  border-color: rgba(19, 92, 102, 0.15);
}

.mobile-drawer-footer {
  margin-block-start: var(--space-8);
  padding-block-start: var(--space-6);
  border-block-start: 1px solid var(--color-border);
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

/* --------------------------------------------------------------------------
   6. Buttons & Interactive Elements
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  padding: 0.85rem 1.6rem;
  font-size: var(--text-sm);
  font-weight: 600;
  text-decoration: none;
  border-radius: var(--radius-md);
  min-height: 48px;
  min-width: 48px;
  line-height: 1;
  transition: all var(--transition-normal);
  cursor: pointer;
  text-align: center;
}

.btn-primary {
  background-color: var(--color-primary);
  color: var(--color-primary-text);
  border: 1px solid var(--color-primary);
  box-shadow: 0 2px 6px rgba(19, 92, 102, 0.2);
}

.btn-primary:hover {
  background-color: var(--color-primary-hover);
  border-color: var(--color-primary-hover);
  color: #ffffff;
  transform: translateY(-1px);
  box-shadow: 0 6px 14px rgba(19, 92, 102, 0.25);
}

.btn-secondary {
  background-color: transparent;
  color: var(--color-text);
  border: 1.5px solid var(--color-border);
}

.btn-secondary:hover {
  background-color: var(--color-surface);
  color: var(--color-primary);
  border-color: var(--color-primary);
  transform: translateY(-1px);
}

.btn-secondary-dark {
  background-color: transparent;
  color: var(--color-dark-text);
  border: 1.5px solid var(--color-border-dark);
}

.btn-secondary-dark:hover {
  background-color: rgba(255, 255, 255, 0.08);
  color: #ffffff;
  border-color: #ffffff;
  transform: translateY(-1px);
}

.btn-accent {
  background-color: var(--color-accent);
  color: #ffffff;
  border: 1px solid var(--color-accent);
}

.btn-accent:hover {
  background-color: var(--color-accent-hover);
  border-color: var(--color-accent-hover);
  color: #ffffff;
}

.btn-whatsapp {
  background-color: #25d366;
  color: #ffffff;
  border: 1px solid #25d366;
}

.btn-whatsapp:hover {
  background-color: #1ebd59;
  color: #ffffff;
}

.btn-group {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--space-4);
}

/* --------------------------------------------------------------------------
   7. Hero Section (Split Layout)
   -------------------------------------------------------------------------- */
.hero {
  padding-block: var(--space-12) var(--space-16);
  background: linear-gradient(180deg, #ffffff 0%, var(--color-bg) 100%);
  border-block-end: 1px solid var(--color-border-light);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-10);
  align-items: center;
}

@media (min-width: 992px) {
  .hero-grid {
    grid-template-columns: 1.15fr 0.95fr;
    gap: var(--space-12);
  }
}

.hero-content {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}

.hero-badge-wrap {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--space-3);
  margin-block-end: var(--space-2);
}

.proof-pill {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: 0.35rem 0.85rem;
  background-color: #ffffff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-pill);
  font-size: var(--text-xs);
  font-weight: 600;
  color: var(--color-muted);
  box-shadow: var(--shadow-sm);
}

.stars {
  color: #d97706; /* Accessible Gold */
  letter-spacing: 0.05em;
}

.hero-title {
  font-size: var(--text-5xl);
  line-height: 1.12;
  font-weight: 600;
  color: var(--color-text);
}

.hero-title em {
  font-style: italic;
  color: var(--color-primary);
}

.hero-subtitle {
  font-size: var(--text-lg);
  color: var(--color-muted);
  line-height: 1.55;
  max-width: 620px;
}

.hero-proof-statement {
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--color-primary);
  display: flex;
  align-items: center;
  gap: var(--space-2);
  margin-block-start: var(--space-2);
}

.hero-media {
  position: relative;
}

.hero-image-frame {
  position: relative;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-card);
  border: 1px solid var(--color-border);
  background-color: var(--color-surface);
  aspect-ratio: 16 / 10;
}

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

.hero-floating-card {
  position: absolute;
  bottom: -24px;
  inset-inline-start: 24px;
  background-color: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(8px);
  padding: var(--space-4) var(--space-5);
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: var(--space-3);
  max-width: 320px;
}

.floating-icon {
  width: 40px;
  height: 40px;
  background-color: var(--color-primary-soft);
  color: var(--color-primary);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.floating-text-title {
  font-size: var(--text-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-muted);
}

.floating-text-val {
  font-size: var(--text-sm);
  font-weight: 700;
  color: var(--color-text);
}

/* --------------------------------------------------------------------------
   8. Press & Industry Credentials Bar
   -------------------------------------------------------------------------- */
.press-bar {
  padding-block: var(--space-8);
  background-color: #ffffff;
  border-block-end: 1px solid var(--color-border);
}

.press-bar-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-4);
}

.press-label {
  font-size: var(--text-xs);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--color-muted);
}

.press-logos-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-6);
  width: 100%;
  align-items: center;
  justify-items: center;
}

@media (min-width: 768px) {
  .press-logos-grid {
    grid-template-columns: repeat(4, 1fr);
    gap: var(--space-10);
  }
}

.press-logo-item {
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0.8;
  filter: grayscale(100%);
  transition: all var(--transition-normal);
  padding: var(--space-2);
}

.press-logo-item:hover {
  opacity: 1;
  filter: grayscale(0%);
}

.press-logo-item img {
  max-height: 40px;
  width: auto;
  object-fit: contain;
}

/* --------------------------------------------------------------------------
   9. The Open Difference (Three Clear Commitments)
   -------------------------------------------------------------------------- */
.commitments-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-8);
}

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

.commitment-card {
  background-color: var(--color-surface);
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-border);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-normal);
}

.commitment-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-card);
  border-color: rgba(19, 92, 102, 0.3);
}

.commitment-media {
  position: relative;
  aspect-ratio: 16 / 10;
  overflow: hidden;
  background-color: var(--color-surface-subtle);
  border-block-end: 1px solid var(--color-border-light);
}

.commitment-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform var(--transition-normal);
}

.commitment-card:hover .commitment-media img {
  transform: scale(1.03);
}

.commitment-body {
  padding: var(--space-6);
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}

.commitment-number {
  font-size: var(--text-xs);
  font-weight: 700;
  color: var(--color-primary);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-block-end: var(--space-2);
}

.commitment-title {
  font-size: var(--text-2xl);
  font-weight: 600;
  margin-block-end: var(--space-3);
}

.commitment-desc {
  font-size: var(--text-sm);
  color: var(--color-muted);
  line-height: 1.6;
  flex-grow: 1;
  margin-block-end: var(--space-4);
}

/* --------------------------------------------------------------------------
   10. Comprehensive Services (Outcomes Under One Roof)
   -------------------------------------------------------------------------- */
.services-mosaic {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
}

@media (min-width: 768px) {
  .services-mosaic {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .services-mosaic {
    grid-template-columns: repeat(3, 1fr);
  }
}

.service-card {
  background-color: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  display: flex;
  flex-direction: column;
  transition: all var(--transition-normal);
  position: relative;
}

.service-card:hover {
  transform: translateY(-3px);
  border-color: var(--color-primary);
  box-shadow: var(--shadow-md);
}

.service-card-featured {
  background: linear-gradient(135deg, rgba(19, 92, 102, 0.04) 0%, rgba(55, 171, 184, 0.08) 100%);
  border-color: rgba(19, 92, 102, 0.25);
}

.service-icon-wrap {
  width: 48px;
  height: 48px;
  background-color: var(--color-primary-soft);
  color: var(--color-primary);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-block-end: var(--space-4);
}

.service-icon-wrap svg {
  width: 24px;
  height: 24px;
}

.service-badge {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  background-color: var(--color-surface-subtle);
  color: var(--color-primary);
  padding: 0.2rem 0.5rem;
  border-radius: var(--radius-sm);
  margin-block-end: var(--space-2);
}

.service-title {
  font-size: var(--text-xl);
  font-weight: 600;
  margin-block-end: var(--space-2);
}

.service-desc {
  font-size: var(--text-sm);
  color: var(--color-muted);
  line-height: 1.55;
  margin-block-end: var(--space-4);
  flex-grow: 1;
}

.service-features {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
  margin-block-end: var(--space-5);
  font-size: var(--text-xs);
  color: var(--color-text);
  border-block-start: 1px solid var(--color-border-light);
  padding-block-start: var(--space-3);
}

.service-feature-item {
  display: flex;
  align-items: center;
  gap: var(--space-2);
}

.service-feature-item svg {
  width: 14px;
  height: 14px;
  color: var(--color-primary);
  flex-shrink: 0;
}

.card-link {
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--color-primary);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  margin-top: auto;
}

.card-link:hover {
  text-decoration: underline;
  gap: 0.6rem;
}

/* --------------------------------------------------------------------------
   11. Specialist Lending & Complex Income (Bankers, RSUs, HNW)
   -------------------------------------------------------------------------- */
.specialist-layout {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-10);
  align-items: center;
}

@media (min-width: 992px) {
  .specialist-layout {
    grid-template-columns: 1fr 1fr;
    gap: var(--space-12);
  }
}

.specialist-cards-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-4);
}

@media (min-width: 600px) {
  .specialist-cards-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

.specialist-item {
  background-color: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: var(--space-5);
  transition: all var(--transition-fast);
}

.specialist-item:hover {
  border-color: var(--color-accent);
  box-shadow: var(--shadow-sm);
}

.specialist-code {
  font-size: var(--text-xs);
  font-weight: 700;
  color: var(--color-accent);
  letter-spacing: 0.05em;
  margin-block-end: var(--space-1);
}

.specialist-item h3 {
  font-size: var(--text-base);
  font-weight: 600;
  margin-block-end: var(--space-2);
}

.specialist-item p {
  font-size: var(--text-xs);
  color: var(--color-muted);
  line-height: 1.5;
}

/* --------------------------------------------------------------------------
   12. How It Works (Four-Step Advisory Process)
   -------------------------------------------------------------------------- */
.process-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-8);
  position: relative;
}

@media (min-width: 768px) {
  .process-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

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

.process-step {
  background-color: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  position: relative;
  display: flex;
  flex-direction: column;
}

.step-num-badge {
  width: 36px;
  height: 36px;
  background-color: var(--color-dark);
  color: #ffffff;
  font-family: var(--font-display);
  font-size: var(--text-base);
  font-weight: 700;
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-block-end: var(--space-4);
}

.step-title {
  font-size: var(--text-lg);
  font-weight: 600;
  margin-block-end: var(--space-2);
}

.step-desc {
  font-size: var(--text-sm);
  color: var(--color-muted);
  line-height: 1.55;
}

/* --------------------------------------------------------------------------
   13. Signature Section: Case in Focus (Editorial Authority)
   -------------------------------------------------------------------------- */
.signature-box {
  background-color: var(--color-surface-dark);
  color: var(--color-dark-text);
  border-radius: var(--radius-xl);
  padding: clamp(2rem, 5vw, 4rem);
  border: 1px solid var(--color-border-dark);
  position: relative;
  overflow: hidden;
}

.signature-box::before {
  content: '';
  position: absolute;
  top: 0;
  inset-inline-start: 0;
  width: 6px;
  height: 100%;
  background: linear-gradient(180deg, var(--color-accent) 0%, var(--color-primary) 100%);
}

.case-quote {
  font-family: var(--font-display);
  font-size: clamp(1.35rem, 1.8vw, 1.85rem);
  font-style: italic;
  line-height: 1.45;
  color: #ffffff;
  margin-block-end: var(--space-8);
  max-width: 960px;
}

.case-metrics-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-6);
  border-block-start: 1px solid var(--color-border-dark);
  padding-block-start: var(--space-8);
}

@media (min-width: 768px) {
  .case-metrics-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.metric-item {
  display: flex;
  flex-direction: column;
}

.metric-val {
  font-family: var(--font-display);
  font-size: clamp(2rem, 3.2vw, 3.2rem);
  font-weight: 700;
  color: var(--color-accent);
  line-height: 1.1;
  margin-block-end: var(--space-1);
}

.metric-label {
  font-size: var(--text-sm);
  color: rgba(255, 255, 255, 0.75);
  font-weight: 500;
}

/* --------------------------------------------------------------------------
   14. Why Open IFA & Director Profile
   -------------------------------------------------------------------------- */
.profile-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-10);
  align-items: center;
}

@media (min-width: 992px) {
  .profile-grid {
    grid-template-columns: 0.9fr 1.1fr;
    gap: var(--space-12);
  }
}

.profile-media-frame {
  position: relative;
  border-radius: var(--radius-xl);
  overflow: hidden;
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-md);
  aspect-ratio: 3 / 4;
  background-color: var(--color-surface-subtle);
  max-width: 440px;
  margin-inline: auto;
}

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

.credentials-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  margin-block: var(--space-6);
}

.credential-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  font-size: var(--text-sm);
  color: var(--color-muted);
}

.credential-icon {
  width: 20px;
  height: 20px;
  color: var(--color-primary);
  flex-shrink: 0;
  margin-top: 2px;
}

/* --------------------------------------------------------------------------
   15. Client Testimonials (Verbatim Google Reviews)
   -------------------------------------------------------------------------- */
.testimonials-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
}

@media (min-width: 768px) {
  .testimonials-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .testimonials-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.testimonial-card {
  background-color: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-fast);
}

.testimonial-card:hover {
  box-shadow: var(--shadow-md);
  border-color: rgba(19, 92, 102, 0.25);
}

.testimonial-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-block-end: var(--space-3);
}

.testimonial-author {
  font-size: var(--text-base);
  font-weight: 700;
  color: var(--color-text);
}

.testimonial-source {
  font-size: var(--text-xs);
  color: var(--color-muted);
  display: flex;
  align-items: center;
  gap: 0.35rem;
}

.testimonial-quote {
  font-size: var(--text-sm);
  line-height: 1.6;
  color: var(--color-muted);
  font-style: italic;
  flex-grow: 1;
}

/* --------------------------------------------------------------------------
   16. Frequently Answered Questions (AEO & Schema Optimized)
   -------------------------------------------------------------------------- */
.faq-accordion {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
  max-width: 860px;
  margin-inline: auto;
}

.faq-item {
  background-color: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: border-color var(--transition-fast);
}

.faq-item.is-open {
  border-color: var(--color-primary);
  box-shadow: var(--shadow-sm);
}

.faq-question-btn {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  text-align: start;
  padding: var(--space-4) var(--space-5);
  font-size: var(--text-lg);
  font-weight: 600;
  color: var(--color-text);
  background: transparent;
  min-height: 52px;
  cursor: pointer;
}

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

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

.faq-answer-panel {
  display: none;
  padding: 0 var(--space-5) var(--space-5) var(--space-5);
  font-size: var(--text-base);
  color: var(--color-muted);
  line-height: 1.65;
  border-block-start: 1px solid var(--color-border-light);
}

.faq-item.is-open .faq-answer-panel {
  display: block;
}

.faq-summary-pill {
  display: inline-block;
  background-color: var(--color-primary-soft);
  color: var(--color-primary);
  padding: 0.25rem 0.6rem;
  border-radius: var(--radius-sm);
  font-size: var(--text-xs);
  font-weight: 600;
  margin-block-end: var(--space-3);
}

/* --------------------------------------------------------------------------
   17. Contact Consultation Section & Form
   -------------------------------------------------------------------------- */
.contact-layout {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-10);
}

@media (min-width: 992px) {
  .contact-layout {
    grid-template-columns: 1fr 1.1fr;
    gap: var(--space-12);
  }
}

.contact-info-card {
  background-color: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: var(--space-6);
}

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

.hours-table tr {
  border-block-end: 1px solid var(--color-border-light);
}

.hours-table td {
  padding-block: var(--space-2);
}

.hours-table td:last-child {
  text-align: end;
  font-weight: 600;
}

.hours-late-highlight {
  color: var(--color-primary);
  font-weight: 700 !important;
}

.contact-form-card {
  background-color: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  box-shadow: var(--shadow-card);
}

.form-group {
  margin-block-end: var(--space-4);
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}

.form-label {
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--color-text);
}

.form-input,
.form-select,
.form-textarea {
  width: 100%;
  padding: 0.75rem 1rem;
  font-size: var(--text-base);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  background-color: #ffffff;
  color: var(--color-text);
  min-height: 48px;
  transition: all var(--transition-fast);
}

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

.form-input:focus,
.form-select:focus,
.form-textarea:focus {
  outline: none;
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px rgba(19, 92, 102, 0.15);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-4);
}

@media (min-width: 600px) {
  .form-row {
    grid-template-columns: 1fr 1fr;
  }
}

.form-notice {
  font-size: var(--text-xs);
  color: var(--color-muted);
  line-height: 1.5;
  margin-block: var(--space-3);
}

.form-alert {
  padding: var(--space-4);
  border-radius: var(--radius-md);
  font-size: var(--text-sm);
  margin-block-end: var(--space-4);
  display: none;
}

.form-alert.success {
  display: block;
  background-color: #ecfdf5;
  color: #065f46;
  border: 1px solid #a7f3d0;
}

.form-alert.error {
  display: block;
  background-color: #fef2f2;
  color: #991b1b;
  border: 1px solid #fecaca;
}

.map-frame-wrapper {
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--color-border);
  height: 240px;
  margin-block-start: var(--space-4);
}

.map-frame-wrapper iframe {
  width: 100%;
  height: 100%;
  border: 0;
}

/* --------------------------------------------------------------------------
   18. Transparent Fee Schedules (Table & Guarantee)
   -------------------------------------------------------------------------- */
.fee-table-wrap {
  overflow-x: auto;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  background-color: var(--color-surface);
  box-shadow: var(--shadow-sm);
  margin-block: var(--space-6);
}

.fee-table {
  width: 100%;
  border-collapse: collapse;
  text-align: start;
}

.fee-table th {
  background-color: var(--color-surface-subtle);
  padding: var(--space-4);
  font-size: var(--text-sm);
  font-weight: 700;
  border-block-end: 2px solid var(--color-border);
  color: var(--color-text);
}

.fee-table td {
  padding: var(--space-4);
  font-size: var(--text-sm);
  border-block-end: 1px solid var(--color-border-light);
  color: var(--color-muted);
}

.fee-table tr:hover td {
  background-color: rgba(19, 92, 102, 0.02);
}

.fee-highlight {
  color: var(--color-primary);
  font-weight: 700;
}

.fee-guarantee-badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  background-color: var(--color-accent-soft);
  color: var(--color-primary);
  padding: 0.35rem 0.85rem;
  border-radius: var(--radius-pill);
  font-weight: 700;
  font-size: var(--text-xs);
}

/* --------------------------------------------------------------------------
   19. Statutory Warnings Banner
   -------------------------------------------------------------------------- */
.risk-warnings-band {
  background-color: var(--color-surface-subtle);
  border-block: 1px solid var(--color-border);
  padding-block: var(--space-6);
  font-size: var(--text-xs);
  color: var(--color-muted);
  line-height: 1.6;
}

.warning-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-2);
  margin-block-end: var(--space-2);
}

.warning-item:last-child {
  margin-block-end: 0;
}

.warning-bullet {
  font-weight: 700;
  color: var(--color-primary);
}

/* --------------------------------------------------------------------------
   20. Multi-Column Regulatory Footer
   -------------------------------------------------------------------------- */
.site-footer {
  background-color: var(--color-dark);
  color: rgba(255, 255, 255, 0.85);
  padding-block: var(--space-16) var(--space-8);
  border-block-start: 1px solid rgba(255, 255, 255, 0.1);
  margin-top: auto;
}

.footer-top-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-10);
  margin-block-end: var(--space-12);
}

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

@media (min-width: 1024px) {
  .footer-top-grid {
    grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  }
}

.footer-col h3 {
  font-family: var(--font-body);
  font-size: var(--text-sm);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #ffffff;
  margin-block-end: var(--space-4);
}

.footer-links-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}

.footer-link {
  color: rgba(255, 255, 255, 0.72);
  text-decoration: none;
  font-size: var(--text-sm);
  transition: color var(--transition-fast);
}

.footer-link:hover {
  color: var(--color-accent);
}

.footer-brand-logo {
  max-width: 180px;
  height: auto;
  margin-block-end: var(--space-4);
  filter: brightness(0) invert(1);
}

.footer-tagline {
  font-size: var(--text-sm);
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.5;
  margin-block-end: var(--space-4);
}

.footer-legal-block {
  padding-block: var(--space-8);
  border-block-start: 1px solid rgba(255, 255, 255, 0.08);
  font-size: var(--text-xs);
  color: rgba(255, 255, 255, 0.6);
  line-height: 1.65;
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.footer-legal-block a {
  color: rgba(255, 255, 255, 0.85);
  text-decoration: underline;
}

.footer-legal-block a:hover {
  color: var(--color-accent);
}

.footer-bottom-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: var(--space-4);
  padding-block-start: var(--space-6);
  border-block-start: 1px solid rgba(255, 255, 255, 0.08);
  font-size: var(--text-xs);
  color: rgba(255, 255, 255, 0.5);
}

.footer-credits {
  font-size: var(--text-xs);
}

/* --------------------------------------------------------------------------
   21. Back to Top Button
   -------------------------------------------------------------------------- */
.back-to-top {
  position: fixed;
  bottom: 24px;
  inset-inline-end: 24px;
  width: 48px;
  height: 48px;
  background-color: var(--color-primary);
  color: #ffffff;
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(255, 255, 255, 0.2);
  cursor: pointer;
  z-index: 900;
  opacity: 0;
  visibility: hidden;
  transform: translateY(12px);
  transition: all var(--transition-normal);
}

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

.back-to-top:hover {
  background-color: var(--color-primary-hover);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(12, 26, 31, 0.25);
}

.back-to-top svg {
  width: 20px;
  height: 20px;
}

/* --------------------------------------------------------------------------
   22. Motion & Prefers-Reduced-Motion Rules
   -------------------------------------------------------------------------- */
@media (prefers-reduced-motion: no-preference) {
  .reveal-on-scroll {
    opacity: 0;
    transform: translateY(20px);
    transition: opacity 600ms cubic-bezier(0.2, 0.8, 0.2, 1),
                transform 600ms cubic-bezier(0.2, 0.8, 0.2, 1);
  }

  .reveal-on-scroll.is-revealed {
    opacity: 1;
    transform: translateY(0);
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}