/* ============================================================
   NORTHSTAR FINANCIAL — Design System
   All colors via custom properties. Never hardcode hex inline.
   ============================================================ */

/* === Tokens === */
:root {
  /* Colors */
  --color-navy:        #0D1B2A;
  --color-navy-mid:    #162032;
  --color-navy-light:  #1E2D42;
  --color-gold:        #C8A84B;
  --color-gold-light:  #E8C96A;
  --color-gold-dim:    #9A7E36;
  --color-slate:       #4A6280;
  --color-slate-light: #7A92AB;
  --color-light:       #F5F7FA;
  --color-light-alt:   #EEF1F6;
  --color-white:       #FFFFFF;
  --color-text:        #1A2540;
  --color-text-muted:  #6B7C93;
  --color-border:      #D8DFE8;
  --color-border-dark: #2A3D55;

  /* Typography */
  --font-display: 'Fraunces', Georgia, serif;
  --font-body:    'Inter', system-ui, -apple-system, sans-serif;

  /* 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;
  --space-32: 8rem;

  /* Border radius */
  --radius-sm:  4px;
  --radius-md:  8px;
  --radius-lg:  16px;
  --radius-xl:  24px;
  --radius-full: 9999px;

  /* Shadows */
  --shadow-sm:  0 1px 3px rgba(0,0,0,0.08), 0 1px 2px rgba(0,0,0,0.06);
  --shadow-md:  0 4px 12px rgba(0,0,0,0.10), 0 2px 4px rgba(0,0,0,0.06);
  --shadow-lg:  0 10px 30px rgba(0,0,0,0.15);
  --shadow-gold: 0 4px 20px rgba(200,168,75,0.25);

  /* Transitions */
  --transition-fast:   150ms ease;
  --transition-normal: 250ms ease;
  --transition-slow:   400ms ease;

  /* Container */
  --container-max: 1200px;
  --container-pad: var(--space-6);
}

/* === Reset === */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.6;
  color: var(--color-text);
  background: var(--color-white);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul, ol { margin: 0; padding: 0; list-style: none; }
h1, h2, h3, h4, h5, h6 { margin: 0; line-height: 1.2; }
p { margin: 0; }
button, input, select, textarea {
  font-family: var(--font-body);
  font-size: 1rem;
}

/* === Layout Utilities === */
.container {
  max-width: var(--container-max);
  margin-inline: auto;
  padding-inline: var(--container-pad);
}
.section {
  padding-block: var(--space-20);
}
.section--dark {
  background: var(--color-navy);
  color: var(--color-white);
}
.section--mid {
  background: var(--color-navy-mid);
  color: var(--color-white);
}
.section--light {
  background: var(--color-light);
}
.section--alt {
  background: var(--color-light-alt);
}

/* === Typography === */
.display-1 {
  font-family: var(--font-display);
  font-size: clamp(2.25rem, 5vw, 3.75rem);
  font-weight: 700;
  letter-spacing: -0.02em;
  line-height: 1.1;
}
.display-2 {
  font-family: var(--font-display);
  font-size: clamp(1.75rem, 3.5vw, 2.75rem);
  font-weight: 700;
  line-height: 1.15;
}
.display-3 {
  font-family: var(--font-display);
  font-size: clamp(1.375rem, 2.5vw, 2rem);
  font-weight: 600;
  line-height: 1.2;
}
.section-label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--color-gold);
}
.section-label--light {
  color: var(--color-gold-light);
}
.lead {
  font-size: 1.125rem;
  line-height: 1.7;
  color: var(--color-text-muted);
}
.lead--light {
  color: rgba(255,255,255,0.75);
}
.text-center { text-align: center; }
.text-gold { color: var(--color-gold); }
.text-muted { color: var(--color-text-muted); }

/* === Section Headings === */
.section-heading {
  margin-bottom: var(--space-4);
}
.section-heading .section-label {
  display: block;
  margin-bottom: var(--space-3);
}
.section-heading .display-2 {
  margin-bottom: var(--space-4);
}
.section-heading .lead {
  max-width: 600px;
}
.section-heading.text-center .lead {
  margin-inline: auto;
}

/* === Buttons === */
.btn {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: var(--space-3) var(--space-6);
  border-radius: var(--radius-md);
  font-weight: 600;
  font-size: 0.9375rem;
  cursor: pointer;
  border: 2px solid transparent;
  transition: background var(--transition-normal),
              border-color var(--transition-normal),
              color var(--transition-normal),
              transform var(--transition-fast),
              box-shadow var(--transition-normal);
  white-space: nowrap;
  text-decoration: none;
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }

.btn--primary {
  background: var(--color-gold);
  color: var(--color-navy);
  border-color: var(--color-gold);
}
.btn--primary:hover {
  background: var(--color-gold-light);
  border-color: var(--color-gold-light);
  box-shadow: var(--shadow-gold);
}

.btn--outline {
  background: transparent;
  color: var(--color-white);
  border-color: rgba(255,255,255,0.4);
}
.btn--outline:hover {
  background: rgba(255,255,255,0.08);
  border-color: var(--color-white);
}

.btn--outline-dark {
  background: transparent;
  color: var(--color-navy);
  border-color: var(--color-navy);
}
.btn--outline-dark:hover {
  background: var(--color-navy);
  color: var(--color-white);
}

.btn--ghost {
  background: transparent;
  color: var(--color-gold);
  border-color: var(--color-gold);
}
.btn--ghost:hover {
  background: var(--color-gold);
  color: var(--color-navy);
}

.btn--lg {
  padding: var(--space-4) var(--space-8);
  font-size: 1rem;
}
.btn--sm {
  padding: var(--space-2) var(--space-4);
  font-size: 0.875rem;
}

/* === Navigation === */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  transition: background var(--transition-normal),
              box-shadow var(--transition-normal);
}
.nav.nav--scrolled {
  background: var(--color-navy);
  box-shadow: 0 2px 20px rgba(0,0,0,0.3);
}
.nav__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  padding-inline: var(--space-6);
  max-width: var(--container-max);
  margin-inline: auto;
}
.nav__logo {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  text-decoration: none;
}
.nav__logo-mark {
  width: 36px;
  height: 36px;
  background: var(--color-gold);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--color-navy);
  flex-shrink: 0;
}
.nav__logo-text {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.125rem;
  color: var(--color-white);
  line-height: 1.2;
}
.nav__logo-sub {
  font-family: var(--font-body);
  font-size: 0.625rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--color-gold);
  display: block;
}
.nav__links {
  display: flex;
  align-items: center;
  gap: var(--space-6);
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav__links a {
  font-size: 0.875rem;
  font-weight: 500;
  color: rgba(255,255,255,0.85);
  text-decoration: none;
  transition: color var(--transition-fast);
  position: relative;
  padding-bottom: 2px;
}
.nav__links a::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 0;
  right: 100%;
  height: 1px;
  background: var(--color-gold);
  transition: right var(--transition-normal);
}
.nav__links a:hover,
.nav__links a.active {
  color: var(--color-white);
}
.nav__links a:hover::after,
.nav__links a.active::after {
  right: 0;
}
.nav__cta {
  display: flex;
  align-items: center;
  gap: var(--space-3);
}
.nav__toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: var(--space-2);
  color: var(--color-white);
}
.nav__toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: currentColor;
  margin-block: 5px;
  transition: transform var(--transition-normal), opacity var(--transition-fast);
  transform-origin: center;
}

@media (max-width: 1024px) {
  .nav__links { gap: var(--space-4); }
}

@media (max-width: 768px) {
  .nav__toggle { display: block; }
  .nav__links,
  .nav__cta .btn:not(.nav__cta .btn:last-child) {
    display: none;
  }
  .nav__inner { height: 64px; }
  .nav.nav--open .nav__links {
    display: flex;
    flex-direction: column;
    position: fixed;
    top: 64px;
    left: 0;
    right: 0;
    background: var(--color-navy);
    padding: var(--space-6);
    gap: var(--space-4);
    border-top: 1px solid var(--color-border-dark);
    align-items: flex-start;
  }
  .nav.nav--open .nav__cta {
    flex-direction: column;
    position: fixed;
    top: 64px;
    left: 0;
    right: 0;
    background: var(--color-navy);
    padding: var(--space-4) var(--space-6) var(--space-6);
    border-top: none;
    gap: var(--space-3);
    align-items: flex-start;
  }
  .nav.nav--open .nav__cta .btn:not(.nav__cta .btn:last-child) {
    display: inline-flex;
  }
}

/* === Hero === */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  background: var(--color-navy);
  overflow: hidden;
  padding-top: 72px;
}
.hero__bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 80% 60% at 70% 50%, rgba(200,168,75,0.08) 0%, transparent 60%),
    radial-gradient(ellipse 60% 80% at 10% 80%, rgba(74,98,128,0.15) 0%, transparent 50%);
}
.hero__grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 60px 60px;
  mask-image: radial-gradient(ellipse 70% 70% at 50% 50%, black 0%, transparent 80%);
}
.hero__content {
  position: relative;
  z-index: 1;
  width: 100%;
  padding-block: var(--space-20);
}
.hero__inner {
  max-width: var(--container-max);
  margin-inline: auto;
  padding-inline: var(--container-pad);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-16);
  align-items: center;
}
.hero__text { max-width: 560px; }
.hero__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  background: rgba(200,168,75,0.12);
  border: 1px solid rgba(200,168,75,0.25);
  border-radius: var(--radius-full);
  padding: var(--space-1) var(--space-4);
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  color: var(--color-gold);
  text-transform: uppercase;
  margin-bottom: var(--space-5);
}
.hero__title {
  font-family: var(--font-display);
  font-size: clamp(2.5rem, 5.5vw, 4rem);
  font-weight: 700;
  letter-spacing: -0.02em;
  line-height: 1.08;
  color: var(--color-white);
  margin-bottom: var(--space-6);
}
.hero__title span { color: var(--color-gold); }
.hero__subtitle {
  font-size: 1.125rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.72);
  margin-bottom: var(--space-8);
  max-width: 480px;
}
.hero__actions {
  display: flex;
  gap: var(--space-3);
  flex-wrap: wrap;
}
.hero__visual {
  display: flex;
  justify-content: center;
  align-items: center;
}
.hero__image-wrap {
  position: relative;
  border-radius: var(--radius-xl);
  overflow: hidden;
  aspect-ratio: 4/3;
  width: 100%;
  max-width: 520px;
}
.hero__image-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.hero__image-badge {
  position: absolute;
  bottom: var(--space-5);
  left: var(--space-5);
  background: rgba(13,27,42,0.9);
  backdrop-filter: blur(12px);
  border: 1px solid var(--color-border-dark);
  border-radius: var(--radius-md);
  padding: var(--space-3) var(--space-4);
  color: var(--color-white);
}
.hero__image-badge strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1.25rem;
  color: var(--color-gold);
}
.hero__image-badge span {
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.65);
}
.hero__scroll {
  position: absolute;
  bottom: var(--space-8);
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-2);
  font-size: 0.75rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.4);
}
.hero__scroll-line {
  width: 1px;
  height: 40px;
  background: linear-gradient(to bottom, rgba(200,168,75,0.6), transparent);
  animation: scrollLine 2s ease-in-out infinite;
}
@keyframes scrollLine {
  0%, 100% { opacity: 0.4; transform: scaleY(1); }
  50% { opacity: 1; transform: scaleY(1.2); }
}

@media (max-width: 900px) {
  .hero__inner {
    grid-template-columns: 1fr;
    text-align: center;
  }
  .hero__subtitle { margin-inline: auto; }
  .hero__actions { justify-content: center; }
  .hero__visual { display: none; }
}

/* === Stats Bar === */
.stats-bar {
  background: var(--color-gold);
  padding-block: var(--space-8);
}
.stats-bar__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-8);
  text-align: center;
}
.stats-bar__divider {
  border: none;
  border-left: 1px solid rgba(13,27,42,0.2);
  margin: 0;
}
.stats-bar__item {
  display: flex;
  flex-direction: column;
  gap: var(--space-1);
}
.stats-bar__number {
  font-family: var(--font-display);
  font-size: clamp(1.75rem, 4vw, 2.75rem);
  font-weight: 700;
  color: var(--color-navy);
  line-height: 1;
}
.stats-bar__label {
  font-size: 0.875rem;
  font-weight: 600;
  color: rgba(13,27,42,0.7);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

@media (max-width: 600px) {
  .stats-bar__grid { grid-template-columns: 1fr; }
  .stats-bar__divider { display: none; }
}

/* === Card Grid === */
.card-grid {
  display: grid;
  gap: var(--space-6);
}
.card-grid--2 { grid-template-columns: repeat(2, 1fr); }
.card-grid--3 { grid-template-columns: repeat(3, 1fr); }
.card-grid--4 { grid-template-columns: repeat(4, 1fr); }
.card-grid--6 { grid-template-columns: repeat(3, 1fr); }

@media (max-width: 900px) {
  .card-grid--4 { grid-template-columns: repeat(2, 1fr); }
  .card-grid--6 { grid-template-columns: repeat(2, 1fr); }
  .card-grid--3 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  .card-grid--2,
  .card-grid--3,
  .card-grid--4,
  .card-grid--6 { grid-template-columns: 1fr; }
}

/* === Card === */
.card {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
  transition: border-color var(--transition-normal),
              box-shadow var(--transition-normal),
              transform var(--transition-normal);
}
.card:hover {
  border-color: var(--color-gold);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}
.card--dark {
  background: var(--color-navy-light);
  border-color: var(--color-border-dark);
  color: var(--color-white);
}
.card--dark:hover {
  border-color: var(--color-gold);
  box-shadow: 0 8px 30px rgba(0,0,0,0.3);
}
.card__icon {
  width: 48px;
  height: 48px;
  background: rgba(200,168,75,0.12);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-4);
  font-size: 1.375rem;
  flex-shrink: 0;
}
.card--dark .card__icon {
  background: rgba(200,168,75,0.15);
}
.card__number {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--color-gold);
  margin-bottom: var(--space-2);
}
.card__title {
  font-size: 1.0625rem;
  font-weight: 700;
  margin-bottom: var(--space-2);
  color: var(--color-text);
}
.card--dark .card__title { color: var(--color-white); }
.card__body {
  font-size: 0.9375rem;
  line-height: 1.65;
  color: var(--color-text-muted);
}
.card--dark .card__body { color: rgba(255,255,255,0.65); }
.card__link {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-gold);
  margin-top: var(--space-4);
  transition: gap var(--transition-fast);
  text-decoration: none;
}
.card__link:hover { gap: var(--space-3); }

/* === Service Tile === */
.service-tile {
  display: flex;
  flex-direction: column;
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  gap: var(--space-3);
  cursor: pointer;
  transition: all var(--transition-normal);
  text-decoration: none;
  color: inherit;
}
.service-tile:hover {
  border-color: var(--color-gold);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}
.service-tile__icon {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-navy-light) 100%);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  flex-shrink: 0;
}
.service-tile__title {
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--color-text);
  line-height: 1.3;
}
.service-tile__desc {
  font-size: 0.875rem;
  color: var(--color-text-muted);
  line-height: 1.6;
  flex: 1;
}
.service-tile__arrow {
  font-size: 0.875rem;
  color: var(--color-gold);
  font-weight: 600;
  margin-top: auto;
}

/* === Process Steps === */
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-8);
  position: relative;
}
.steps::before {
  content: '';
  position: absolute;
  top: 32px;
  left: calc(33.33% - var(--space-8));
  right: calc(33.33% - var(--space-8));
  height: 1px;
  background: linear-gradient(to right, var(--color-gold), var(--color-gold-dim), var(--color-gold));
  opacity: 0.4;
}
.step {
  text-align: center;
  position: relative;
}
.step__number {
  width: 64px;
  height: 64px;
  background: var(--color-gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.375rem;
  color: var(--color-navy);
  margin-inline: auto;
  margin-bottom: var(--space-5);
  position: relative;
  z-index: 1;
}
.step__title {
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--color-text);
  margin-bottom: var(--space-2);
}
.step--dark .step__title { color: var(--color-white); }
.step__body {
  font-size: 0.9375rem;
  color: var(--color-text-muted);
  line-height: 1.65;
}
.step--dark .step__body { color: rgba(255,255,255,0.65); }

@media (max-width: 700px) {
  .steps { grid-template-columns: 1fr; }
  .steps::before { display: none; }
}

/* === Split Section === */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-16);
  align-items: center;
}
.split--reverse .split__visual { order: -1; }
.split__visual {
  border-radius: var(--radius-xl);
  overflow: hidden;
  aspect-ratio: 4/3;
}
.split__visual img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.split__text { max-width: 520px; }
.split__text .section-label { margin-bottom: var(--space-3); display: block; }
.split__text .display-2 { margin-bottom: var(--space-5); }
.split__text .lead { margin-bottom: var(--space-6); }

@media (max-width: 900px) {
  .split { grid-template-columns: 1fr; }
  .split--reverse .split__visual { order: 0; }
  .split__text { max-width: 100%; }
}

/* === Partners Strip === */
.partners {
  padding-block: var(--space-12);
  border-top: 1px solid var(--color-border);
  border-bottom: 1px solid var(--color-border);
}
.partners__label {
  text-align: center;
  margin-bottom: var(--space-8);
}
.partners__logos {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-10);
  flex-wrap: wrap;
}
.partners__logo {
  height: 36px;
  opacity: 0.5;
  filter: grayscale(1);
  transition: opacity var(--transition-normal), filter var(--transition-normal);
}
.partners__logo:hover {
  opacity: 0.9;
  filter: grayscale(0);
}
.partners__logo-placeholder {
  display: flex;
  align-items: center;
  justify-content: center;
  height: 36px;
  padding: 0 var(--space-5);
  background: var(--color-light);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  font-size: 0.8125rem;
  font-weight: 700;
  color: var(--color-slate);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  opacity: 0.7;
}

/* === Lead Capture Band === */
.lead-band {
  background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-navy-mid) 100%);
  border-top: 1px solid rgba(200,168,75,0.2);
  border-bottom: 1px solid rgba(200,168,75,0.2);
  padding-block: var(--space-16);
  text-align: center;
}
.lead-band__title {
  font-family: var(--font-display);
  font-size: clamp(1.5rem, 3vw, 2.25rem);
  color: var(--color-white);
  margin-bottom: var(--space-3);
}
.lead-band__sub {
  font-size: 1rem;
  color: rgba(255,255,255,0.65);
  margin-bottom: var(--space-8);
}
.lead-band__form {
  display: flex;
  gap: var(--space-3);
  justify-content: center;
  max-width: 480px;
  margin-inline: auto;
}
.lead-band__form input {
  flex: 1;
  padding: var(--space-3) var(--space-5);
  border-radius: var(--radius-md);
  border: 1px solid rgba(255,255,255,0.2);
  background: rgba(255,255,255,0.08);
  color: var(--color-white);
  font-size: 0.9375rem;
}
.lead-band__form input::placeholder { color: rgba(255,255,255,0.4); }
.lead-band__form input:focus {
  outline: none;
  border-color: var(--color-gold);
  background: rgba(255,255,255,0.12);
}

@media (max-width: 520px) {
  .lead-band__form { flex-direction: column; }
}

/* === FAQ Accordion === */
.faq { max-width: 760px; margin-inline: auto; }
.faq__item {
  border-bottom: 1px solid var(--color-border);
}
.faq__item--dark {
  border-bottom-color: var(--color-border-dark);
}
.faq__btn {
  width: 100%;
  background: none;
  border: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-5) 0;
  text-align: left;
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-text);
  gap: var(--space-4);
}
.faq__item--dark .faq__btn { color: var(--color-white); }
.faq__icon {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  border: 1px solid var(--color-border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  color: var(--color-gold);
  flex-shrink: 0;
  transition: transform var(--transition-normal), background var(--transition-fast);
}
.faq__item--dark .faq__icon { border-color: var(--color-border-dark); }
.faq__btn[aria-expanded="true"] .faq__icon {
  transform: rotate(45deg);
  background: var(--color-gold);
  color: var(--color-navy);
  border-color: var(--color-gold);
}
.faq__body {
  overflow: hidden;
  max-height: 0;
  transition: max-height var(--transition-slow), padding var(--transition-normal);
}
.faq__body--open { max-height: 400px; padding-bottom: var(--space-5); }
.faq__body p {
  font-size: 0.9375rem;
  line-height: 1.7;
  color: var(--color-text-muted);
}
.faq__item--dark .faq__body p { color: rgba(255,255,255,0.65); }

/* === CTA Strip === */
.cta-strip {
  background: var(--color-gold);
  padding-block: var(--space-16);
  text-align: center;
}
.cta-strip .display-2 {
  color: var(--color-navy);
  margin-bottom: var(--space-4);
}
.cta-strip .lead {
  color: rgba(13,27,42,0.7);
  margin-bottom: var(--space-8);
  margin-inline: auto;
  max-width: 520px;
}
.cta-strip__actions {
  display: flex;
  gap: var(--space-3);
  justify-content: center;
  flex-wrap: wrap;
}

/* === Value Cards === */
.value-card {
  text-align: center;
  padding: var(--space-8) var(--space-6);
}
.value-card__icon {
  width: 64px;
  height: 64px;
  background: rgba(200,168,75,0.12);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.75rem;
  margin-inline: auto;
  margin-bottom: var(--space-4);
}
.value-card__title {
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--color-white);
  margin-bottom: var(--space-2);
}
.value-card__body {
  font-size: 0.9375rem;
  color: rgba(255,255,255,0.65);
  line-height: 1.65;
}

/* === Team Card === */
.team-card {
  text-align: center;
}
.team-card__photo {
  width: 100%;
  aspect-ratio: 1;
  border-radius: var(--radius-lg);
  overflow: hidden;
  margin-bottom: var(--space-4);
  background: var(--color-navy-light);
}
.team-card__photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.team-card__photo-placeholder {
  width: 100%;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 3rem;
  background: linear-gradient(135deg, var(--color-navy-mid), var(--color-navy-light));
  color: var(--color-slate-light);
}
.team-card__name {
  font-family: var(--font-display);
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--color-white);
  margin-bottom: var(--space-1);
}
.team-card__title {
  font-size: 0.8125rem;
  color: var(--color-gold);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

/* === Page Hero (inner pages) === */
.page-hero {
  background: var(--color-navy);
  padding-top: calc(72px + var(--space-16));
  padding-bottom: var(--space-16);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 60% 80% at 50% 100%, rgba(200,168,75,0.08) 0%, transparent 60%);
}
.page-hero__content { position: relative; z-index: 1; }
.page-hero__title {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 3.25rem);
  font-weight: 700;
  color: var(--color-white);
  margin-bottom: var(--space-4);
  letter-spacing: -0.02em;
}
.page-hero__title span { color: var(--color-gold); }
.page-hero__sub {
  font-size: 1.125rem;
  color: rgba(255,255,255,0.7);
  max-width: 580px;
  margin-inline: auto;
  line-height: 1.7;
}
.page-hero__breadcrumb {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.5);
  margin-bottom: var(--space-5);
}
.page-hero__breadcrumb a { color: var(--color-gold); }
.page-hero__breadcrumb span { color: rgba(255,255,255,0.3); }

/* === Forms === */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-5);
}
.form-group {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}
.form-group--full { grid-column: 1 / -1; }
.form-label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-text);
}
.form-label--light { color: rgba(255,255,255,0.85); }
.form-label .required { color: var(--color-gold); margin-left: 2px; }
.form-input,
.form-select,
.form-textarea {
  width: 100%;
  padding: var(--space-3) var(--space-4);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  font-size: 0.9375rem;
  color: var(--color-text);
  background: var(--color-white);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}
.form-input:focus,
.form-select:focus,
.form-textarea:focus {
  outline: none;
  border-color: var(--color-gold);
  box-shadow: 0 0 0 3px rgba(200,168,75,0.12);
}
.form-input::placeholder { color: var(--color-text-muted); }
.form-textarea { resize: vertical; min-height: 120px; }
.form-select { appearance: none; cursor: pointer; }

.form-radio-group,
.form-check-group {
  display: flex;
  gap: var(--space-5);
  flex-wrap: wrap;
}
.form-radio,
.form-check {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  cursor: pointer;
  font-size: 0.9375rem;
}
.form-radio input,
.form-check input {
  width: 18px;
  height: 18px;
  accent-color: var(--color-gold);
  cursor: pointer;
}
.form-consent {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  font-size: 0.875rem;
  color: var(--color-text-muted);
  line-height: 1.5;
  cursor: pointer;
}
.form-consent input {
  margin-top: 2px;
  width: 16px;
  height: 16px;
  accent-color: var(--color-gold);
  flex-shrink: 0;
  cursor: pointer;
}
.form-error {
  font-size: 0.8125rem;
  color: #DC2626;
}
.form-submit {
  margin-top: var(--space-4);
}

.form-success {
  text-align: center;
  padding: var(--space-16);
  display: none;
}
.form-success__icon {
  font-size: 3rem;
  margin-bottom: var(--space-4);
}
.form-success__title {
  font-family: var(--font-display);
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--color-text);
  margin-bottom: var(--space-3);
}
.form-success__body {
  font-size: 1rem;
  color: var(--color-text-muted);
  max-width: 400px;
  margin-inline: auto;
}
.form-error-msg {
  background: #FEF2F2;
  border: 1px solid #FECACA;
  border-radius: var(--radius-md);
  padding: var(--space-4);
  font-size: 0.9375rem;
  color: #DC2626;
  margin-top: var(--space-4);
  display: none;
}

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

/* === Footer === */
.footer {
  background: var(--color-navy);
  color: rgba(255,255,255,0.8);
  padding-top: var(--space-20);
  padding-bottom: var(--space-10);
  border-top: 1px solid rgba(200,168,75,0.15);
}
.footer__grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: var(--space-10);
  margin-bottom: var(--space-16);
}
.footer__brand .nav__logo {
  display: inline-flex;
  margin-bottom: var(--space-4);
}
.footer__tagline {
  font-size: 0.9375rem;
  color: rgba(255,255,255,0.6);
  line-height: 1.7;
  margin-bottom: var(--space-5);
  max-width: 280px;
}
.footer__socials {
  display: flex;
  gap: var(--space-3);
}
.footer__social {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.875rem;
  color: rgba(255,255,255,0.6);
  text-decoration: none;
  transition: background var(--transition-fast), color var(--transition-fast), border-color var(--transition-fast);
}
.footer__social:hover {
  background: var(--color-gold);
  color: var(--color-navy);
  border-color: var(--color-gold);
}
.footer__col-title {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--color-gold);
  margin-bottom: var(--space-5);
}
.footer__links {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}
.footer__links a {
  font-size: 0.9375rem;
  color: rgba(255,255,255,0.6);
  text-decoration: none;
  transition: color var(--transition-fast);
}
.footer__links a:hover { color: var(--color-white); }
.footer__contact-item {
  font-size: 0.9375rem;
  color: rgba(255,255,255,0.6);
  margin-bottom: var(--space-3);
  display: flex;
  gap: var(--space-2);
  align-items: flex-start;
}
.footer__contact-item svg { flex-shrink: 0; margin-top: 3px; }
.footer__bottom {
  padding-top: var(--space-8);
  border-top: 1px solid rgba(255,255,255,0.08);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  flex-wrap: wrap;
}
.footer__copyright {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.4);
}
.footer__legal {
  display: flex;
  gap: var(--space-5);
}
.footer__legal a {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.4);
  text-decoration: none;
  transition: color var(--transition-fast);
}
.footer__legal a:hover { color: rgba(255,255,255,0.7); }
.footer__disclaimer {
  margin-top: var(--space-8);
  padding-top: var(--space-6);
  border-top: 1px solid rgba(255,255,255,0.06);
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.3);
  line-height: 1.7;
}

@media (max-width: 900px) {
  .footer__grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 600px) {
  .footer__grid { grid-template-columns: 1fr; }
  .footer__bottom { flex-direction: column; align-items: flex-start; }
}

/* === Utility === */
.visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border-width: 0;
}
.gold-line {
  width: 48px;
  height: 3px;
  background: var(--color-gold);
  border-radius: var(--radius-full);
  margin-bottom: var(--space-6);
}
.gold-line--center { margin-inline: auto; }
.divider {
  border: none;
  height: 1px;
  background: var(--color-border);
  margin-block: var(--space-8);
}
.divider--dark { background: var(--color-border-dark); }
.mt-4 { margin-top: var(--space-4); }
.mt-6 { margin-top: var(--space-6); }
.mt-8 { margin-top: var(--space-8); }
.mb-4 { margin-bottom: var(--space-4); }
.mb-6 { margin-bottom: var(--space-6); }
.mb-8 { margin-bottom: var(--space-8); }
.flex-center {
  display: flex;
  align-items: center;
  justify-content: center;
}
.gap-3 { gap: var(--space-3); }
.gap-4 { gap: var(--space-4); }