/* ============================================
   Regency Finance — site styles
   Palette: navy #091F31 / gold #D1BA92 / white
   ============================================ */

:root {
  --navy: #091F31;
  --navy-soft: #122B41;
  --gold: #D1BA92;
  --gold-deep: #B89D6F;
  --cream: #F7F4EE;
  --ink: #3A4D5E;
  --white: #FFFFFF;
  --serif: 'Cormorant Garamond', Georgia, serif;
  --sans: 'Inter', Helvetica, Arial, sans-serif;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

img, svg { display: block; max-width: 100%; }

a { color: inherit; text-decoration: none; }

.container { max-width: 1140px; margin: 0 auto; padding: 0 24px; }

/* ---------- Typography ---------- */

h1, h2, h3.display {
  font-family: var(--serif);
  font-weight: 500;
  color: var(--navy);
  line-height: 1.12;
}

h1 { font-size: clamp(2.6rem, 5.5vw, 4.2rem); }
h2 { font-size: clamp(2rem, 3.5vw, 2.9rem); }

.eyebrow {
  font-family: var(--sans);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--gold-deep);
  display: block;
  margin-bottom: 18px;
}

.on-navy .eyebrow { color: var(--gold); }
.on-navy h1, .on-navy h2 { color: var(--white); }
.on-navy p { color: rgba(255, 255, 255, 0.78); }

.lede { font-size: 1.18rem; max-width: 56ch; }

/* ---------- Buttons ---------- */

.btn {
  display: inline-block;
  font-family: var(--sans);
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 16px 32px;
  border: 1px solid transparent;
  cursor: pointer;
  transition: background 0.25s, color 0.25s, border-color 0.25s;
}

.btn-gold { background: var(--gold); color: var(--navy); }
.btn-gold:hover { background: var(--gold-deep); }

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

.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: var(--navy-soft); }

/* ---------- Header / nav ---------- */

.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: var(--navy);
  border-bottom: 1px solid rgba(209, 186, 146, 0.18);
  transition: background 0.3s;
}

.site-header.transparent { background: transparent; border-bottom-color: transparent; }
.site-header.transparent.scrolled { background: var(--navy); border-bottom-color: rgba(209, 186, 146, 0.18); }

.nav-inner {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
  height: 84px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.brand { display: flex; align-items: center; gap: 14px; }
.brand .logo-full { height: 64px; width: auto; }
.brand .logo-mark { display: none; height: 46px; width: auto; }

.nav-links { display: flex; align-items: center; gap: 36px; list-style: none; }

.nav-links > li { position: relative; }

.nav-links a {
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.82);
  padding: 8px 0;
  transition: color 0.2s;
}

.nav-links a:hover, .nav-links a.active { color: var(--gold); }

.has-dropdown > a::after { content: " ▾"; font-size: 10px; }

.dropdown {
  position: absolute;
  top: 100%;
  left: -20px;
  min-width: 200px;
  background: var(--navy-soft);
  border: 1px solid rgba(209, 186, 146, 0.25);
  list-style: none;
  padding: 8px 0;
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: opacity 0.2s, transform 0.2s, visibility 0.2s;
}

.has-dropdown:hover .dropdown,
.has-dropdown:focus-within .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.dropdown a { display: block; padding: 10px 20px; }

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  width: 32px; height: 24px;
  position: relative;
}
.nav-toggle span {
  position: absolute; left: 0; right: 0; height: 2px;
  background: var(--gold);
  transition: transform 0.25s, opacity 0.25s;
}
.nav-toggle span:nth-child(1) { top: 0; }
.nav-toggle span:nth-child(2) { top: 11px; }
.nav-toggle span:nth-child(3) { top: 22px; }

/* ---------- Hero ---------- */

.hero {
  background: var(--navy);
  position: relative;
  overflow: hidden;
  padding: 200px 0 130px;
}

.hero .container { position: relative; z-index: 2; }

.hero-fanlight {
  position: absolute;
  right: 80px;
  bottom: -128px;
  width: 640px;
  opacity: 0.13;
  z-index: 1;
  pointer-events: none;
}

.hero .lede { margin: 26px 0 40px; }
.hero .slogan { font-size: 1.1rem; font-style: italic; color: #D1BA92; margin: 16px 0 36px; letter-spacing: 0.02em; }

.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }

.page-hero { background: var(--navy); padding: 170px 0 90px; position: relative; overflow: hidden; }
.page-hero .hero-fanlight { width: 460px; right: 80px; bottom: -92px; }

/* ---------- Hero canvas ---------- */

.hero-canvas {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  z-index: 1;
  pointer-events: none;
}

/* ---------- Stats bar ---------- */

.stats-bar {
  background: var(--navy);
  border-top: 1px solid rgba(209, 186, 146, 0.2);
  border-bottom: 1px solid rgba(209, 186, 146, 0.2);
  padding: 36px 0;
}

.stats-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  flex-wrap: wrap;
}

.stats-inner { row-gap: 28px; }

.stat {
  text-align: center;
  padding: 0 40px;
  flex-shrink: 0;
}

.stat-num {
  font-family: var(--serif);
  font-size: 2.8rem;
  font-weight: 500;
  color: var(--gold);
  line-height: 1;
}

.stat-suffix {
  font-family: var(--serif);
  font-size: 2rem;
  color: var(--gold);
  line-height: 1;
}

.stat-suffix-only {
  display: block;
  font-family: var(--serif);
  font-size: 2rem;
  color: var(--gold);
  line-height: 1.1;
}

.stat-label {
  display: block;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  margin-top: 8px;
}

.stat-divider {
  width: 1px;
  height: 52px;
  background: rgba(209, 186, 146, 0.25);
  flex-shrink: 0;
}

/* ---------- Gold section dividers ---------- */

.section-divider {
  height: 1px;
  background: linear-gradient(to right, transparent, var(--gold), transparent);
  opacity: 0.4;
  margin: 0;
  border: none;
}

/* ---------- Warning strip ---------- */

.warning-strip {
  background: var(--white);
  border-top: 1px solid var(--gold);
  border-bottom: 1px solid var(--gold);
  padding: 16px 0;
}

.warning-strip p {
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
  text-align: center;
  letter-spacing: 0.01em;
}

/* ---------- Sections ---------- */

.section { padding: 96px 0; }
.section.cream { background: var(--cream); }
.section.navy-band { background: var(--navy); }
.section-head { max-width: 640px; margin-bottom: 56px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head p { margin-top: 18px; }

/* ---------- Cards ---------- */

.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.card-grid.two { grid-template-columns: repeat(2, 1fr); }

.card {
  background: var(--white);
  border: 1px solid rgba(209, 186, 146, 0.45);
  padding: 40px 34px;
  transition: transform 0.25s, box-shadow 0.25s;
}

.card:hover { transform: translateY(-4px); box-shadow: 0 18px 40px rgba(9, 31, 49, 0.10), inset 0 0 0 1px rgba(209, 186, 146, 0.5), 0 0 24px rgba(209, 186, 146, 0.08); }

.card .icon { margin-bottom: 22px; }
.card h3 { font-family: var(--serif); font-size: 1.55rem; font-weight: 600; color: var(--navy); margin-bottom: 12px; }
.card p { font-size: 15.5px; }

.card .text-link {
  display: inline-block;
  margin-top: 20px;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-deep);
  border-bottom: 1px solid var(--gold);
  padding-bottom: 3px;
}
.card .text-link:hover { color: var(--navy); }

/* ---------- Process steps ---------- */

.process { display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; position: relative; }

.process::before {
  content: "";
  position: absolute;
  top: 26px; left: 8%; right: 8%;
  height: 1px;
  background: var(--gold);
  opacity: 0.5;
}

.step { position: relative; text-align: center; padding: 0 8px; }

.step .num {
  width: 52px; height: 52px;
  margin: 0 auto 20px;
  border: 1px solid var(--gold);
  border-radius: 50%;
  background: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--serif);
  font-size: 1.4rem;
  color: var(--navy);
  position: relative;
  z-index: 2;
}

.cream .step .num { background: var(--cream); }

.step h3 { font-family: var(--serif); font-size: 1.3rem; font-weight: 600; color: var(--navy); margin-bottom: 8px; }
.step p { font-size: 14.5px; }

/* ---------- Form band ---------- */

.form-band { display: grid; grid-template-columns: 1fr 1.1fr; gap: 72px; align-items: start; }

.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-grid .full { grid-column: 1 / -1; }

.field label {
  display: block;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 8px;
}

.field input, .field textarea, .field select {
  width: 100%;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(209, 186, 146, 0.35);
  padding: 14px 16px;
  color: var(--white);
  font-family: var(--sans);
  font-size: 15px;
  outline: none;
  transition: border-color 0.2s;
}

.field input:focus, .field textarea:focus { border-color: var(--gold); }
.field ::placeholder { color: rgba(255, 255, 255, 0.35); }

.form-note { font-size: 13px; color: rgba(255, 255, 255, 0.5); margin-top: 14px; }

/* ---------- Accordion ---------- */

.accordion details {
  border: 1px solid rgba(209, 186, 146, 0.45);
  background: var(--white);
  margin-bottom: 14px;
}

.accordion summary {
  list-style: none;
  cursor: pointer;
  padding: 22px 28px;
  font-family: var(--serif);
  font-size: 1.35rem;
  font-weight: 600;
  color: var(--navy);
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.accordion summary::-webkit-details-marker { display: none; }
.accordion summary::after { content: "+"; font-family: var(--sans); font-size: 1.3rem; color: var(--gold-deep); transition: transform 0.2s; }
.accordion details[open] summary::after { transform: rotate(45deg); }
.accordion .acc-body { padding: 0 28px 24px; font-size: 15.5px; max-width: 75ch; }

/* ---------- Team ---------- */

.team-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.team-grid.two { grid-template-columns: repeat(2, 1fr); max-width: 760px; }

.person { background: var(--white); border: 1px solid rgba(209, 186, 146, 0.45); padding: 40px 34px; text-align: center; }

.person .seal {
  width: 96px; height: 96px;
  margin: 0 auto 24px;
  border: 1px solid var(--gold);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--serif);
  font-size: 2.1rem;
  color: var(--navy);
  background: var(--cream);
}

.person h3 { font-family: var(--serif); font-size: 1.5rem; font-weight: 600; color: var(--navy); }
.person .role { font-size: 12px; font-weight: 600; letter-spacing: 0.16em; text-transform: uppercase; color: var(--gold-deep); margin: 6px 0 14px; }
.person p { font-size: 15px; }

/* ---------- Promise / manifesto ---------- */

.promise-list { list-style: none; max-width: 720px; }
.promise-list li {
  padding: 22px 0 22px 40px;
  border-bottom: 1px solid rgba(209, 186, 146, 0.4);
  position: relative;
  font-size: 1.05rem;
}
.promise-list li::before {
  content: "";
  position: absolute;
  left: 0; top: 32px;
  width: 18px; height: 1px;
  background: var(--gold-deep);
}
.promise-list li strong { color: var(--navy); }

.callout {
  border: 1px solid var(--gold);
  background: var(--cream);
  padding: 40px 44px;
  max-width: 760px;
}
.callout h3 { font-family: var(--serif); font-size: 1.6rem; font-weight: 600; color: var(--navy); margin-bottom: 10px; }

/* ---------- Contact ---------- */

.contact-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 72px; align-items: start; }

.contact-item { padding: 22px 0; border-bottom: 1px solid rgba(209, 186, 146, 0.4); }
.contact-item .label { font-size: 11px; font-weight: 600; letter-spacing: 0.2em; text-transform: uppercase; color: var(--gold-deep); margin-bottom: 6px; }
.contact-item .value { font-family: var(--serif); font-size: 1.4rem; color: var(--navy); }
.contact-item a.value:hover { color: var(--gold-deep); }

/* ---------- Testimonials ---------- */

.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.testimonial {
  background: var(--white);
  border: 1px solid rgba(209, 186, 146, 0.45);
  padding: 36px 32px;
  position: relative;
}

.testimonial p {
  font-size: 15.5px;
  line-height: 1.7;
  color: var(--ink);
  font-style: italic;
}

.testimonial .attr {
  display: block;
  margin-top: 20px;
  font-style: normal;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-deep);
}

/* ---------- Footer ---------- */

.site-footer { background: var(--navy); padding: 72px 0 36px; color: rgba(255, 255, 255, 0.7); }

.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 48px; margin-bottom: 56px; }

.footer-grid h4 { font-size: 12px; font-weight: 600; letter-spacing: 0.2em; text-transform: uppercase; color: var(--gold); margin-bottom: 18px; }
.footer-grid ul { list-style: none; }
.footer-grid li { margin-bottom: 10px; font-size: 15px; }
.footer-grid a:hover { color: var(--gold); }

.footer-legal {
  border-top: 1px solid rgba(209, 186, 146, 0.2);
  padding-top: 28px;
  font-size: 12.5px;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.45);
}
.footer-legal p { margin-bottom: 10px; }
.footer-legal strong { color: rgba(255, 255, 255, 0.65); }

/* ---------- Reveal animation ---------- */

.reveal { opacity: 0; transform: translateY(24px); transition: opacity 0.7s ease, transform 0.7s ease; }
.reveal.visible { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
}

/* ---------- Responsive ---------- */

@media (max-width: 920px) {
  .card-grid, .card-grid.two, .team-grid, .team-grid.two, .testimonial-grid { grid-template-columns: 1fr 1fr; }
  .process { grid-template-columns: 1fr 1fr; row-gap: 48px; }
  .process::before { display: none; }
  .form-band, .contact-grid { grid-template-columns: 1fr; gap: 48px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  .hero-fanlight { width: 440px; opacity: 0.08; }
}

@media (max-width: 640px) {
  .card-grid, .card-grid.two, .team-grid, .team-grid.two, .process, .form-grid, .testimonial-grid { grid-template-columns: 1fr; }
  .form-grid .full { grid-column: auto; }

  .footer-grid { grid-template-columns: 1fr; }
  .stat { padding: 0 24px; }
  .stat-divider { display: none; }
  .hero-fanlight { right: 0; }

  .nav-toggle { display: block; }
  .brand .logo-full { display: none; }
  .brand .logo-mark { display: block; }
  .nav-links {
    position: fixed;
    inset: 84px 0 auto 0;
    background: var(--navy);
    flex-direction: column;
    align-items: flex-start;
    gap: 0;
    padding: 12px 24px 28px;
    border-bottom: 1px solid rgba(209, 186, 146, 0.25);
    display: none;
  }
  .nav-links.open { display: flex; }
  .nav-links > li { width: 100%; }
  .nav-links a { display: block; padding: 14px 0; }
  .dropdown { position: static; opacity: 1; visibility: visible; transform: none; border: none; background: transparent; padding-left: 18px; }
  .hero { padding: 150px 0 90px; }
  .page-hero { padding: 130px 0 70px; }
  .section { padding: 64px 0; }
}