/* ============================================
   SQUIRE FINANCIAL — PERSONAL INSURANCE GUIDE
   Black & Gold | Clean & Minimal
   ============================================ */

:root {
    --black: #09090B;
    --black-soft: #111113;
    --black-mid: #18181B;
    --black-light: #27272A;
    --gold: #C8A44E;
    --gold-light: #D9BC72;
    --gold-dim: #9A7D38;
    --gold-subtle: rgba(200, 164, 78, 0.08);
    --white: #FAFAF9;
    --white-dim: #E7E5E0;
    --gray: #71717A;
    --gray-light: #A1A1AA;
    --gray-dark: #3F3F46;
    --red-soft: #C75050;

    --font-display: 'Cormorant Garamond', Georgia, serif;
    --font-body: 'Outfit', system-ui, -apple-system, sans-serif;

    --section-pad: clamp(4rem, 8vw, 6.5rem);
    --container-max: 1120px;
    --container-pad: clamp(1.25rem, 4vw, 2rem);
    --radius: 8px;
    --radius-lg: 12px;

    --ease: cubic-bezier(0.16, 1, 0.3, 1);
}

/* ---- RESET ---- */

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

html {
    scroll-behavior: smooth;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

body {
    font-family: var(--font-body);
    font-weight: 300;
    font-size: 16px;
    line-height: 1.7;
    color: var(--white-dim);
    background: var(--black);
    overflow-x: hidden;
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }

.container {
    max-width: var(--container-max);
    margin: 0 auto;
    padding: 0 var(--container-pad);
}

/* ---- GENERAL ADVICE BANNER ---- */

.advice-banner {
    background: var(--black-soft);
    border-bottom: 1px solid rgba(200, 164, 78, 0.1);
    padding: 0.5rem 0;
    position: relative;
    z-index: 100;
}

.advice-banner-inner {
    max-width: var(--container-max);
    margin: 0 auto;
    padding: 0 var(--container-pad);
    display: flex;
    align-items: flex-start;
    gap: 0.5rem;
}

.advice-banner-icon {
    color: var(--gold-dim);
    font-size: 0.8rem;
    flex-shrink: 0;
    margin-top: 0.1rem;
}

.advice-banner p {
    font-size: 0.72rem;
    color: var(--gray);
    line-height: 1.5;
}

.advice-banner strong {
    color: var(--gray-light);
    font-weight: 500;
}

.advice-banner a {
    color: var(--gold-dim);
    text-decoration: underline;
    text-underline-offset: 2px;
}
.advice-banner a:hover { color: var(--gold); }

/* ---- NAVIGATION ---- */

.main-nav {
    position: sticky;
    top: 0;
    z-index: 90;
    background: rgba(9, 9, 11, 0.95);
    backdrop-filter: blur(24px);
    -webkit-backdrop-filter: blur(24px);
    border-bottom: 1px solid rgba(255,255,255,0.04);
}

.nav-inner {
    max-width: var(--container-max);
    margin: 0 auto;
    padding: 0 var(--container-pad);
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 3.75rem;
}

.nav-logo {
    display: flex;
    align-items: center;
}

.nav-logo-img {
    height: 2rem;
    width: auto;
    display: block;
}

.footer-logo-img {
    height: 2.75rem;
    width: auto;
    display: block;
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 0;
    list-style: none;
}

.nav-links > li > a {
    display: flex;
    align-items: center;
    gap: 0.25rem;
    padding: 0.5rem 0.85rem;
    font-size: 0.82rem;
    font-weight: 400;
    color: var(--gray);
    letter-spacing: 0.01em;
    transition: color 0.25s;
    white-space: nowrap;
}
.nav-links > li > a:hover { color: var(--white); }
.nav-links > li > a svg { transition: transform 0.25s; }

.nav-dropdown { position: relative; }

.dropdown-menu {
    position: absolute;
    top: calc(100% + 0.4rem);
    left: -0.5rem;
    min-width: 200px;
    background: var(--black-mid);
    border: 1px solid rgba(255,255,255,0.06);
    border-radius: var(--radius);
    padding: 0.4rem 0;
    list-style: none;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-4px);
    transition: all 0.25s var(--ease);
    box-shadow: 0 12px 40px rgba(0,0,0,0.5);
}

.nav-dropdown:hover .dropdown-menu,
.nav-dropdown.open .dropdown-menu {
    opacity: 1; visibility: visible; transform: translateY(0);
}
.nav-dropdown:hover > a svg { transform: rotate(180deg); }

.dropdown-menu li a {
    display: block;
    padding: 0.5rem 1rem;
    font-size: 0.82rem;
    color: var(--gray-light);
    transition: all 0.2s;
}
.dropdown-menu li a:hover {
    color: var(--white);
    background: rgba(255,255,255,0.03);
}

.nav-cta {
    background: var(--gold) !important;
    color: var(--black) !important;
    font-weight: 500 !important;
    border-radius: 5px;
    margin-left: 0.5rem;
    padding: 0.4rem 1rem !important;
    font-size: 0.8rem !important;
    transition: all 0.25s !important;
}
.nav-cta:hover {
    background: var(--gold-light) !important;
}

.nav-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 4px;
}
.nav-toggle span {
    display: block;
    width: 20px;
    height: 1.5px;
    background: var(--gray-light);
    transition: all 0.3s var(--ease);
    transform-origin: center;
}
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: rotate(45deg) translate(4.5px, 4.5px); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: rotate(-45deg) translate(4.5px, -4.5px); }

/* ---- HERO ---- */

.hero {
    position: relative;
    min-height: 80vh;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    text-align: center;
    padding: var(--section-pad) var(--container-pad);
    overflow: hidden;
}

.hero-bg { position: absolute; inset: 0; z-index: 0; }

.hero-gradient {
    position: absolute;
    inset: 0;
    background: radial-gradient(ellipse 60% 50% at 50% 45%, rgba(200, 164, 78, 0.05) 0%, transparent 70%);
}

.hero-pattern {
    position: absolute;
    inset: 0;
    opacity: 0.02;
    background-image:
        linear-gradient(rgba(255,255,255,0.3) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,0.3) 1px, transparent 1px);
    background-size: 80px 80px;
    mask-image: radial-gradient(ellipse 50% 50% at 50% 50%, black, transparent);
    -webkit-mask-image: radial-gradient(ellipse 50% 50% at 50% 50%, black, transparent);
}

.hero-content {
    position: relative;
    z-index: 1;
    max-width: 680px;
    animation: fadeUp 0.8s var(--ease) both;
}

@keyframes fadeUp {
    from { opacity: 0; transform: translateY(16px); }
    to { opacity: 1; transform: translateY(0); }
}

.hero-badge {
    display: inline-block;
    font-size: 0.65rem;
    font-weight: 500;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    color: var(--gold-dim);
    border: 1px solid rgba(200, 164, 78, 0.2);
    padding: 0.35rem 1rem;
    border-radius: 100px;
    margin-bottom: 1.75rem;
    animation: fadeUp 0.8s var(--ease) 0.1s both;
}

.hero h1 {
    font-family: var(--font-display);
    font-weight: 400;
    font-size: clamp(2.25rem, 5.5vw, 3.75rem);
    line-height: 1.15;
    color: var(--white);
    margin-bottom: 1.25rem;
    animation: fadeUp 0.8s var(--ease) 0.2s both;
}
.hero h1 em {
    font-style: italic;
    color: var(--gold);
}

.hero-sub {
    font-size: clamp(0.95rem, 1.8vw, 1.1rem);
    color: var(--gray-light);
    max-width: 540px;
    margin: 0 auto 2.25rem;
    line-height: 1.75;
    animation: fadeUp 0.8s var(--ease) 0.3s both;
}

.hero-actions {
    display: flex;
    gap: 0.75rem;
    justify-content: center;
    flex-wrap: wrap;
    animation: fadeUp 0.8s var(--ease) 0.4s both;
}

.hero-scroll-hint {
    position: absolute;
    bottom: 2rem;
    left: 50%;
    transform: translateX(-50%);
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.4rem;
    color: var(--gray-dark);
    font-size: 0.65rem;
    letter-spacing: 0.15em;
    text-transform: uppercase;
    animation: scrollBounce 2.5s ease-in-out infinite;
}
@keyframes scrollBounce {
    0%, 100% { transform: translateX(-50%) translateY(0); }
    50% { transform: translateX(-50%) translateY(5px); }
}

/* ---- BUTTONS ---- */

.btn {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    padding: 0.7rem 1.6rem;
    font-family: var(--font-body);
    font-size: 0.85rem;
    font-weight: 500;
    border-radius: 5px;
    transition: all 0.25s var(--ease);
    cursor: pointer;
    border: none;
    letter-spacing: 0.01em;
    white-space: nowrap;
}

.btn-primary {
    background: var(--gold);
    color: var(--black);
}
.btn-primary:hover {
    background: var(--gold-light);
    box-shadow: 0 4px 16px rgba(200, 164, 78, 0.2);
}

.btn-secondary {
    background: transparent;
    color: var(--gold);
    border: 1px solid rgba(200, 164, 78, 0.25);
}
.btn-secondary:hover {
    border-color: var(--gold);
    background: var(--gold-subtle);
}

.btn-ghost {
    background: transparent;
    color: var(--gray-light);
    border: 1px solid rgba(255,255,255,0.1);
}
.btn-ghost:hover {
    border-color: rgba(255,255,255,0.25);
    color: var(--white);
}

/* ---- SECTION HEADERS ---- */

.section-header {
    text-align: center;
    max-width: 580px;
    margin: 0 auto 3rem;
}

.section-label {
    display: inline-block;
    font-size: 0.65rem;
    font-weight: 500;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    color: var(--gold-dim);
    margin-bottom: 0.6rem;
}

.section-header h2 {
    font-family: var(--font-display);
    font-weight: 400;
    font-size: clamp(1.6rem, 3.5vw, 2.25rem);
    color: var(--white);
    margin-bottom: 0.75rem;
    line-height: 1.2;
}

.section-header p {
    color: var(--gray);
    font-size: 0.95rem;
    line-height: 1.7;
}

/* ---- PROCESS SECTION ---- */

.process {
    padding: var(--section-pad) 0;
    background: var(--black);
}

.process::before {
    content: '';
    display: block;
    width: 1px;
    height: 48px;
    background: linear-gradient(to bottom, rgba(200,164,78,0.2), transparent);
    margin: 0 auto 0;
    position: relative;
    top: calc(var(--section-pad) * -1);
    margin-bottom: calc(var(--section-pad) * -1);
}

.process-steps {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
}

.process-step {
    position: relative;
    padding: 2rem 1.75rem;
    background: var(--black-soft);
    border: 1px solid rgba(255,255,255,0.04);
    border-radius: var(--radius-lg);
    transition: all 0.3s var(--ease);
}
.process-step:hover {
    border-color: rgba(200,164,78,0.12);
    background: var(--black-mid);
}

.step-number {
    font-family: var(--font-display);
    font-size: 2.5rem;
    font-weight: 300;
    color: rgba(200, 164, 78, 0.08);
    position: absolute;
    top: 1rem;
    right: 1.25rem;
    line-height: 1;
}

.step-icon {
    width: 2.5rem;
    height: 2.5rem;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gold-dim);
    margin-bottom: 1rem;
}

.process-step h3 {
    font-family: var(--font-display);
    font-weight: 600;
    font-size: 1.2rem;
    color: var(--white);
    margin-bottom: 0.6rem;
}

.process-step p {
    color: var(--gray);
    font-size: 0.88rem;
    line-height: 1.65;
    margin-bottom: 1rem;
}

.step-link {
    font-size: 0.82rem;
    font-weight: 400;
    color: var(--gold-dim);
    transition: color 0.2s;
}
.step-link:hover { color: var(--gold); }

/* ---- COVER TYPES ---- */

.cover-types {
    padding: var(--section-pad) 0;
    background: var(--black-soft);
    border-top: 1px solid rgba(255,255,255,0.03);
}

.cover-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1.25rem;
}

.cover-card {
    display: block;
    padding: 2rem;
    background: var(--black);
    border: 1px solid rgba(255,255,255,0.04);
    border-radius: var(--radius-lg);
    overflow: hidden;
    transition: all 0.3s var(--ease);
    position: relative;
}
.cover-card:hover {
    border-color: rgba(200,164,78,0.15);
}

.cover-card-accent {
    position: absolute;
    top: 0; left: 0;
    width: 100%; height: 2px;
    background: var(--gold);
    opacity: 0;
    transition: opacity 0.3s;
}
.cover-card:hover .cover-card-accent { opacity: 1; }

.cover-card-icon {
    color: var(--gold-dim);
    margin-bottom: 1rem;
}

.cover-card h3 {
    font-family: var(--font-display);
    font-weight: 600;
    font-size: 1.35rem;
    color: var(--white);
    margin-bottom: 0.6rem;
}

.cover-card p {
    color: var(--gray);
    font-size: 0.88rem;
    line-height: 1.65;
    margin-bottom: 1.25rem;
}

.cover-card-link {
    font-size: 0.82rem;
    font-weight: 400;
    color: var(--gold-dim);
    transition: color 0.2s;
}
.cover-card:hover .cover-card-link { color: var(--gold); }

/* ---- CTA SECTION ---- */

.cta-section {
    position: relative;
    padding: var(--section-pad) 0;
}

.cta-bg { position: absolute; inset: 0; }
.cta-gradient {
    position: absolute; inset: 0;
    background: radial-gradient(ellipse 50% 70% at 50% 50%, rgba(200,164,78,0.04) 0%, transparent 70%);
}

.cta-content {
    text-align: center;
    max-width: 560px;
    margin: 0 auto;
    position: relative;
    z-index: 1;
}

.cta-content h2 {
    font-family: var(--font-display);
    font-weight: 400;
    font-size: clamp(1.6rem, 3.5vw, 2.25rem);
    color: var(--white);
    margin-bottom: 0.75rem;
}

.cta-content p {
    color: var(--gray);
    font-size: 0.95rem;
    margin-bottom: 2rem;
    line-height: 1.7;
}

.cta-actions {
    display: flex;
    gap: 0.75rem;
    justify-content: center;
    flex-wrap: wrap;
}

/* ---- FOOTER ---- */

.main-footer {
    background: var(--black-soft);
    border-top: 1px solid rgba(255,255,255,0.04);
    padding: 3.5rem 0 1.75rem;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.4fr 1fr 1fr 1fr;
    gap: 2.5rem;
    margin-bottom: 2.5rem;
}

.footer-tagline {
    color: var(--gray-dark);
    font-size: 0.82rem;
    margin-top: 0.65rem;
    line-height: 1.5;
}

.footer-links-group h4 {
    font-size: 0.75rem;
    font-weight: 500;
    color: var(--gray);
    margin-bottom: 0.85rem;
    letter-spacing: 0.08em;
    text-transform: uppercase;
}

.footer-links-group ul { list-style: none; }
.footer-links-group li { margin-bottom: 0.4rem; }
.footer-links-group a {
    font-size: 0.82rem;
    color: var(--gray-dark);
    transition: color 0.2s;
}
.footer-links-group a:hover { color: var(--gold-dim); }

.footer-legal {
    border-top: 1px solid rgba(255,255,255,0.04);
    padding-top: 1.5rem;
}

.footer-legal p {
    font-size: 0.72rem;
    color: var(--gray-dark);
    line-height: 1.65;
    margin-bottom: 0.75rem;
}

.footer-copy { color: var(--gray-dark); }

/* ---- PAGE TEMPLATE ---- */

.page-hero {
    padding: clamp(3rem, 6vw, 4.5rem) 0 clamp(1.75rem, 3.5vw, 2.5rem);
    text-align: center;
    position: relative;
}

.page-hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(ellipse 60% 70% at 50% 30%, rgba(200,164,78,0.03) 0%, transparent 70%);
}

.page-hero .container { position: relative; z-index: 1; }

.page-hero h1 {
    font-family: var(--font-display);
    font-weight: 400;
    font-size: clamp(1.85rem, 4.5vw, 2.75rem);
    color: var(--white);
    margin-bottom: 0.75rem;
}
.page-hero h1 em { font-style: italic; color: var(--gold); }

.page-hero p {
    color: var(--gray);
    font-size: 1rem;
    max-width: 540px;
    margin: 0 auto;
    line-height: 1.7;
}

.page-content {
    padding: 0 0 var(--section-pad);
}
.page-content .container { max-width: 760px; }

/* Content typography */
.content-block h2 {
    font-family: var(--font-display);
    font-weight: 600;
    font-size: 1.45rem;
    color: var(--white);
    margin: 2.5rem 0 0.85rem;
    padding-top: 1.5rem;
    border-top: 1px solid rgba(255,255,255,0.05);
}

.content-block h2:first-child {
    margin-top: 0;
    padding-top: 0;
    border-top: none;
}

.content-block h3 {
    font-family: var(--font-display);
    font-weight: 600;
    font-size: 1.1rem;
    color: var(--gold);
    margin: 1.5rem 0 0.6rem;
}

.content-block p {
    color: var(--gray-light);
    margin-bottom: 0.85rem;
    font-size: 0.92rem;
}

.content-block ul, .content-block ol {
    color: var(--gray-light);
    font-size: 0.92rem;
    padding-left: 1.25rem;
    margin-bottom: 0.85rem;
}
.content-block li { margin-bottom: 0.35rem; }
.content-block strong { color: var(--white); font-weight: 500; }

.info-box {
    background: var(--gold-subtle);
    border: 1px solid rgba(200,164,78,0.1);
    border-radius: var(--radius);
    padding: 1.25rem 1.5rem;
    margin: 1.25rem 0;
}
.info-box p { font-size: 0.88rem; color: var(--gray-light); }
.info-box strong { color: var(--gold); }

.disclaimer-box {
    background: rgba(199, 80, 80, 0.04);
    border: 1px solid rgba(199, 80, 80, 0.1);
    border-radius: var(--radius);
    padding: 1.25rem 1.5rem;
    margin: 1.25rem 0;
}
.disclaimer-box p { font-size: 0.82rem; color: var(--gray-light); }

/* ---- RESPONSIVE ---- */

@media (max-width: 900px) {
    .process-steps { grid-template-columns: 1fr; gap: 1rem; }
    .cover-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 1.75rem; }
}

@media (max-width: 768px) {
    .nav-toggle { display: flex; }

    .nav-links {
        position: fixed;
        top: 0; right: 0;
        width: 80%; max-width: 300px;
        height: 100vh;
        background: var(--black-mid);
        flex-direction: column;
        align-items: stretch;
        padding: 4.5rem 1.25rem 2rem;
        gap: 0;
        transform: translateX(100%);
        transition: transform 0.35s var(--ease);
        border-left: 1px solid rgba(255,255,255,0.04);
        box-shadow: -12px 0 40px rgba(0,0,0,0.5);
        overflow-y: auto;
    }
    .nav-links.open { transform: translateX(0); }

    .nav-links > li > a {
        padding: 0.65rem 0;
        font-size: 0.95rem;
        border-bottom: 1px solid rgba(255,255,255,0.03);
    }

    .nav-cta {
        margin-left: 0 !important;
        margin-top: 0.75rem;
        text-align: center;
        justify-content: center;
    }

    .dropdown-menu {
        position: static;
        opacity: 1; visibility: visible; transform: none;
        background: transparent;
        border: none; box-shadow: none;
        padding: 0 0 0 0.75rem;
        display: none;
    }
    .nav-dropdown.open .dropdown-menu { display: block; }

    .hero { min-height: 65vh; }
    .hero-scroll-hint { display: none; }
    .footer-grid { grid-template-columns: 1fr; gap: 1.5rem; }
}

@media (max-width: 480px) {
    .hero-actions, .cta-actions {
        flex-direction: column;
        align-items: center;
    }
    .hero-actions .btn, .cta-actions .btn {
        width: 100%;
        justify-content: center;
    }
}