/* ============================================================
   SETH RACKHAM | FINANCIAL ADVISER | GLOBAL STYLES v5
   ============================================================ */

:root {
  --navy:       #1b3a5c;
  --navy-deep:  #0f2438;
  --navy-mid:   #1e3f65;
  --navy-light: #2a4f78;
  --cream:      #f7f5f0;
  --cream-dark: #ede9e1;
  --sand:       #c8b99a;
  --text:       #1a1a1a;
  --text-mid:   #4a4a4a;
  --text-light: #7a7a7a;
  --white:      #ffffff;
  --accent:     #e8a857;
  --green:      #2d7a52;
  --green-light:#e6f2ea;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;
  background: var(--cream);
  color: var(--text);
  line-height: 1.6;
  overflow-x: hidden;
}

/* ---- TYPOGRAPHY ---- */
h1, h2, h3, h4 {
  font-family: 'Georgia', 'Times New Roman', serif;
  letter-spacing: -0.02em;
  line-height: 1.2;
}

/* ---- NAV ---- */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 300;
  height: 72px;
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 2.5rem;
  background: rgba(12,28,48,0.98);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(255,255,255,.06);
  transition: box-shadow .3s;
}
nav.scrolled { box-shadow: 0 4px 32px rgba(0,0,0,.35); }
.nav-logo { display:flex; align-items:center; gap:14px; text-decoration:none; flex-shrink:0; }
.nav-logo img { height:28px; width:auto; opacity:.9; }
.nav-divider-vert { width:1px; height:28px; background:rgba(255,255,255,.15); }
.nav-name { font-size:15px; font-weight:500; color:rgba(255,255,255,.85); letter-spacing:-.01em; line-height:1; }
.nav-name span { display:block; font-size:10px; font-weight:400; color:rgba(255,255,255,.38); letter-spacing:.06em; text-transform:uppercase; margin-top:3px; }
.nav-links { display:flex; align-items:center; gap:2px; margin-left:auto; margin-right:16px; }
.nav-links a { font-size:13.5px; font-weight:400; color:rgba(255,255,255,.62); text-decoration:none; padding:8px 14px; border-radius:7px; transition:color .18s,background .18s; white-space:nowrap; }
.nav-links a:hover,
.nav-links a.active { color:#fff; background:rgba(255,255,255,.07); }
.nav-cta { background:#fff; color:#1b3a5c; padding:9px 20px; font-weight:600; font-size:13px; border-radius:8px; white-space:nowrap; flex-shrink:0; text-decoration:none; transition:background .18s; }
.nav-cta:hover { background:#f0f4f8; }
.mob-toggle { display:none; background:none; border:none; color:white; font-size:22px; cursor:pointer; padding:4px; flex-shrink:0; }
.mob-nav { display:none; position:fixed; top:72px; left:0; right:0; bottom:0; background:rgba(12,28,48,.98); z-index:250; padding:1.5rem 2rem; overflow-y:auto; }
.mob-nav.open { display:block; }
.mob-nav a { display:block; color:rgba(255,255,255,.8); text-decoration:none; font-size:17px; padding:14px 0; border-bottom:1px solid rgba(255,255,255,.08); }
.mob-nav a:hover { color:white; }
.mob-cta { background:white !important; color:#1b3a5c !important; border-radius:8px !important; text-align:center !important; margin-top:1.5rem !important; padding:14px !important; font-weight:600 !important; border-bottom:none !important; display:block; }
.mob-phone { color:rgba(255,255,255,.4) !important; font-size:13px !important; border-bottom:none !important; margin-top:.5rem; }
@media (max-width:900px) { nav { padding:0 1.25rem; } .nav-links { display:none; } .mob-toggle { display:block; } .section { padding:64px 1.5rem; } }

/* ---- BUTTONS ---- */
.btn-primary {
  background: var(--navy);
  color: var(--white);
  padding: 14px 28px;
  border-radius: 8px;
  font-size: 14px; font-weight: 600;
  text-decoration: none;
  display: inline-block;
  transition: background .2s, transform .15s;
  border: none; cursor: pointer; font-family: inherit;
}
.btn-primary:hover { background: var(--navy-light); transform: translateY(-1px); }
.btn-white {
  background: var(--white);
  color: var(--navy);
  padding: 14px 28px;
  border-radius: 8px;
  font-size: 14px; font-weight: 600;
  text-decoration: none;
  display: inline-block;
  transition: background .2s, transform .15s;
}
.btn-white:hover { background: var(--cream); transform: translateY(-1px); }
.btn-outline-white {
  border: 1.5px solid rgba(255,255,255,.35);
  color: rgba(255,255,255,.9);
  padding: 13px 26px;
  border-radius: 8px;
  font-size: 14px; font-weight: 400;
  text-decoration: none;
  display: inline-block;
  transition: border-color .2s, color .2s, background .2s;
}
.btn-outline-white:hover { border-color: rgba(255,255,255,.7); color: white; background: rgba(255,255,255,.07); }

/* ---- SECTION SHARED ---- */
.section { padding: 96px 2.5rem; }
.section-inner { max-width: 1120px; margin: 0 auto; }
.section-label {
  font-size: 11px; font-weight: 600;
  letter-spacing: .14em; text-transform: uppercase;
  color: var(--text-light);
  margin-bottom: 1rem;
  display: flex; align-items: center; gap: 10px;
}
.section-label::before { content: ''; width: 20px; height: 1px; background: var(--sand); display: block; }
.section-label.light { color: rgba(255,255,255,.45); }
.section-label.light::before { background: rgba(255,255,255,.25); }
.section-title {
  font-size: clamp(28px, 3vw, 42px);
  font-weight: 600;
  color: var(--navy-deep);
  margin-bottom: 1rem;
}
.section-title.light { color: var(--white); }
.section-sub {
  font-size: 16px; font-weight: 300;
  color: var(--text-mid); line-height: 1.75;
  max-width: 580px; margin-bottom: 3rem;
}
.section-sub.light { color: rgba(255,255,255,.6); }

/* ---- PAGE HERO (inner pages) ---- */
.page-hero {
  background: var(--navy-deep);
  padding: 130px 2.5rem 80px;
  text-align: center;
}
.page-hero h1 { font-size: clamp(32px, 4vw, 52px); color: var(--white); margin-bottom: 1rem; }
.page-hero p { font-size: 17px; color: rgba(255,255,255,.65); font-weight: 300; max-width: 600px; margin: 0 auto 2rem; line-height: 1.7; }
.page-hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.15);
  border-radius: 20px; padding: 6px 16px;
  font-size: 12px; color: rgba(255,255,255,.6);
  margin-bottom: 1.25rem;
}

/* ---- CARDS ---- */
.card-grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 1.5rem; }
.card-grid-2 { display: grid; grid-template-columns: repeat(2,1fr); gap: 1.5rem; }
.card {
  background: var(--white); border: 1px solid var(--cream-dark);
  border-radius: 14px; padding: 2rem;
  transition: transform .2s, box-shadow .2s, border-color .2s;
}
.card:hover { transform: translateY(-4px); box-shadow: 0 16px 48px rgba(27,58,92,.1); border-color: var(--sand); }
.card-icon { width: 52px; height: 52px; border-radius: 12px; background: var(--navy); display: flex; align-items: center; justify-content: center; font-size: 24px; margin-bottom: 1.25rem; }
.card h3 { font-size: 19px; color: var(--navy-deep); margin-bottom: .75rem; }
.card p { font-size: 14px; color: var(--text-mid); line-height: 1.7; font-weight: 300; }
.card-link { display: inline-flex; align-items: center; gap: 6px; font-size: 13px; font-weight: 600; color: var(--navy); text-decoration: none; margin-top: 1.25rem; transition: gap .2s; }
.card:hover .card-link { gap: 10px; }
.card-link::after { content: '→'; }

/* ---- FAQ ---- */
.faq-item { border-bottom: 1px solid var(--cream-dark); padding: 1.25rem 0; }
.faq-item:first-child { border-top: 1px solid var(--cream-dark); }
.faq-q { font-size: 16px; font-weight: 600; color: var(--navy-deep); cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 1rem; user-select: none; }
.faq-q::after { content: '+'; font-size: 22px; color: var(--navy); flex-shrink: 0; transition: transform .2s; }
.faq-item.open .faq-q::after { transform: rotate(45deg); }
.faq-a { display: none; font-size: 14px; color: var(--text-mid); line-height: 1.75; padding-top: .75rem; font-weight: 300; }
.faq-item.open .faq-a { display: block; }

/* ---- CALLOUT BOX ---- */
.callout { background: var(--navy); border-radius: 14px; padding: 2rem 2.5rem; display: flex; align-items: center; justify-content: space-between; gap: 2rem; margin: 2rem 0; }
.callout-text h3 { font-size: 20px; color: var(--white); margin-bottom: .5rem; }
.callout-text p { font-size: 14px; color: rgba(255,255,255,.65); }
.callout .btn-white { flex-shrink: 0; }

/* ---- DISCLAIMER BOX ---- */
.disclaimer-box { background: var(--cream); border: 1px solid var(--cream-dark); border-left: 4px solid var(--navy); border-radius: 8px; padding: 1.25rem 1.5rem; font-size: 12px; color: var(--text-light); line-height: 1.7; margin-top: 2rem; }
.disclaimer-box strong { color: var(--text-mid); font-weight: 600; }

/* ---- CTA BAND ---- */
.cta-band { background: var(--navy-mid); padding: 80px 2.5rem; text-align: center; }
.cta-band h2 { font-size: clamp(28px, 3.5vw, 44px); font-weight: 500; color: var(--white); margin-bottom: 1rem; }
.cta-band p { font-size: 16px; color: rgba(255,255,255,.65); font-weight: 300; margin-bottom: 2.5rem; max-width: 520px; margin-left: auto; margin-right: auto; line-height: 1.7; }
.cta-actions { display: flex; align-items: center; justify-content: center; gap: 1rem; flex-wrap: wrap; }

/* ---- FOOTER ---- */
footer { background: var(--navy-deep); padding: 4rem 2.5rem 2rem; }
.footer-inner { max-width: 1120px; margin: 0 auto; }
.footer-top { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 3rem; margin-bottom: 3rem; padding-bottom: 3rem; border-bottom: 1px solid rgba(255,255,255,.08); }
.footer-brand .fb-name { font-family: Georgia, serif; font-size: 20px; color: var(--white); margin-bottom: .5rem; }
.footer-brand .fb-tagline { font-size: 13px; color: rgba(255,255,255,.4); line-height: 1.65; max-width: 260px; margin-bottom: 1.25rem; }
.footer-brand .fb-contact a { display: block; font-size: 13px; color: rgba(255,255,255,.55); text-decoration: none; margin-bottom: 5px; transition: color .2s; }
.footer-brand .fb-contact a:hover { color: var(--white); }
.footer-col h5 { font-size: 11px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: rgba(255,255,255,.35); margin-bottom: 1rem; }
.footer-col a { display: block; font-size: 13px; color: rgba(255,255,255,.5); text-decoration: none; margin-bottom: 8px; transition: color .2s; }
.footer-col a:hover { color: var(--white); }
.footer-bottom { display: flex; justify-content: space-between; align-items: flex-start; font-size: 11px; color: rgba(255,255,255,.25); flex-wrap: wrap; gap: 12px; }
.footer-bottom a { color: rgba(255,255,255,.25); text-decoration: none; transition: color .2s; }
.footer-bottom a:hover { color: rgba(255,255,255,.6); }
.footer-compliance { font-size: 11px; color: rgba(255,255,255,.2); line-height: 1.65; max-width: 700px; }

/* ---- ANIMATIONS ---- */
@keyframes fadeUp { from { opacity: 0; transform: translateY(24px); } to { opacity: 1; transform: translateY(0); } }
.fade-up { opacity: 0; animation: fadeUp .6s ease both; }
.delay-1 { animation-delay: .1s; } .delay-2 { animation-delay: .2s; }
.delay-3 { animation-delay: .3s; } .delay-4 { animation-delay: .4s; } .delay-5 { animation-delay: .5s; }

/* ---- MOBILE ---- */
@media (max-width: 900px) {
  nav { padding: 0 1.25rem; }
  .nav-right { display: none; }
  .mob-toggle { display: block; }
  .nav-logo-badge { display: none; }
  .section { padding: 64px 1.5rem; }
  .card-grid-3 { grid-template-columns: 1fr; }
  .card-grid-2 { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; gap: 2rem; }
  .callout { flex-direction: column; text-align: center; }
  .page-hero { padding: 110px 1.5rem 60px; }
}