/* =========================================================
   Capital Financial Solutions — Site stylesheet
   Palette: BLACK & GOLD  •  Vanilla CSS only
   (Variable names still prefixed --navy-* for legacy
    compatibility; values are now black/dark.)
   ========================================================= */

:root {
  /* Black & gold theme */
  --navy-900: #000000;   /* pure black */
  --navy-800: #0a0a0a;   /* near-black surfaces (header, footer) */
  --navy-700: #1a1a1a;   /* slightly lifted black */
  --navy-600: #2a2a2a;   /* hover/active states */
  --gold-500: #d4af37;   /* primary gold */
  --gold-400: #e6c25a;   /* hover gold */
  --gold-300: #f0d27a;   /* highlight gold */
  --cream:    #faf6e9;   /* warm light surface */
  --white:    #ffffff;
  --text:     #1a1a1a;   /* near-black body text */
  --muted:    #6b6b6b;
  --border:   #e8e4d6;   /* warm cream border (instead of cool gray) */
  --shadow-sm: 0 2px 8px rgba(0, 0, 0, 0.10);
  --shadow-md: 0 8px 24px rgba(0, 0, 0, 0.16);
  --shadow-lg: 0 16px 48px rgba(0, 0, 0, 0.24);
  --radius: 6px;
  --container: 1200px;
  --header-h: 90px;
  --topbar-h: 40px;
}

/* -------- Reset / base -------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: 'Open Sans', 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: var(--text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; height: auto; display: block; }
a { color: var(--gold-500); text-decoration: none; }
a:hover { color: var(--gold-400); }
h1, h2, h3, h4, h5, h6 {
  font-family: Georgia, 'Times New Roman', serif;
  color: var(--navy-800);
  line-height: 1.25;
  margin: 0 0 0.5em;
}
h1 { font-size: clamp(1.9rem, 4.5vw, 3.2rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.2rem); }
h3 { font-size: 1.35rem; }
h4 { font-size: 1.1rem; }
p  { margin: 0 0 1em; }
ul, ol { margin: 0 0 1em; padding-left: 1.2em; }
.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 20px; }

/* -------- Buttons -------- */
.btn {
  display: inline-block;
  padding: 14px 28px;
  font-weight: 700;
  font-size: 0.95rem;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  border-radius: var(--radius);
  border: 2px solid transparent;
  cursor: pointer;
  transition: all 0.2s ease;
  text-align: center;
}
.btn-primary {
  background: var(--gold-500);
  color: var(--navy-900);
  border-color: var(--gold-500);
}
.btn-primary:hover { background: var(--gold-400); color: var(--navy-900); }
.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: var(--white);
}
.btn-outline:hover { background: var(--white); color: var(--navy-800); }
.btn-dark {
  background: var(--navy-800);
  color: var(--white);
  border-color: var(--navy-800);
}
.btn-dark:hover { background: var(--navy-700); color: var(--white); }

/* -------- Top bar -------- */
.topbar {
  background: #000000;
  color: var(--cream);
  font-size: 0.85rem;
  border-bottom: 1px solid rgba(212, 175, 55, 0.3);
}
.topbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--topbar-h);
  gap: 16px;
  flex-wrap: wrap;
}
.topbar ul {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  gap: 18px;
  flex-wrap: wrap;
}
.topbar a { color: var(--cream); }
.topbar a:hover { color: var(--gold-400); }
.topbar .topbar-right a { color: var(--gold-300); }

/* -------- Header / nav -------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--navy-800);
  box-shadow: var(--shadow-sm);
  border-bottom: 1px solid rgba(212, 175, 55, 0.25);
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: var(--header-h);
  gap: 24px;
  flex-wrap: nowrap;
}
.brand { display: inline-flex; align-items: center; }
.brand img, .brand svg { height: 56px; width: auto; max-width: 280px; object-fit: contain; display: block; }
@media (max-width: 1100px) {
  .brand img, .brand svg { height: 42px; max-width: 210px; }
}

.nav-toggle {
  display: none;
  background: transparent;
  border: 0;
  color: var(--white);
  font-size: 1.6rem;
  cursor: pointer;
  padding: 6px 10px;
}

.main-nav { display: block; }
.main-nav > ul {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: row;
  flex-wrap: nowrap;
  align-items: center;
  gap: 4px;
}
.main-nav > ul > li {
  position: relative;
  flex: 0 0 auto;
  display: block;
}
.main-nav > ul > li > a {
  display: inline-flex;
  align-items: center;
  padding: 10px 14px;
  color: var(--white);
  font-weight: 600;
  font-size: 0.92rem;
  letter-spacing: 0.3px;
  border-radius: 4px;
  transition: color 0.15s ease, background 0.15s ease;
  white-space: nowrap;
  line-height: 1;
  min-height: 40px;
}
.main-nav a:hover,
.main-nav .has-sub:hover > a { color: var(--gold-400); }

.main-nav .has-sub > a::after {
  content: "\25BE";
  font-size: 0.7em;
  opacity: 0.7;
  margin-left: 5px;
  display: inline-block;
  vertical-align: middle;
}

/* Dropdowns */
.submenu {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 240px;
  background: var(--white);
  list-style: none;
  margin: 0;
  padding: 8px 0;
  box-shadow: var(--shadow-lg);
  border-top: 3px solid var(--gold-500);
  border-radius: 0 0 var(--radius) var(--radius);
}
.submenu li { position: relative; }
.submenu a {
  color: var(--navy-800);
  padding: 9px 18px;
  font-size: 0.88rem;
  font-weight: 500;
  white-space: nowrap;
  border-radius: 0;
}
.submenu a:hover { background: var(--cream); color: var(--navy-800); }
.has-sub:hover > .submenu,
.has-sub:focus-within > .submenu { display: block; }

/* Nested submenu (level 3) */
.submenu .has-sub > a::after { content: " ▸"; float: right; }
.submenu .submenu {
  top: 0;
  left: 100%;
  border-top: 0;
  border-left: 3px solid var(--gold-500);
  border-radius: 0 var(--radius) var(--radius) 0;
}

/* -------- Hero -------- */
.hero {
  position: relative;
  background: var(--navy-800) url('../images/hero-bg.svg') center/cover no-repeat;
  color: var(--white);
  padding: 90px 0 110px;
  text-align: center;
  overflow: hidden;
}
.hero::after {
  content: "";
  position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(6,20,41,0.55), rgba(6,20,41,0.75));
  pointer-events: none;
}
.hero .container { position: relative; z-index: 1; }
.hero .eyebrow {
  font-size: 1.05rem;
  color: var(--gold-400);
  text-transform: uppercase;
  letter-spacing: 3px;
  font-weight: 700;
  margin-bottom: 12px;
}
.hero h1 {
  color: var(--white);
  max-width: 900px;
  margin: 0 auto 30px;
}
.hero-actions {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
  margin-top: 30px;
}

/* -------- Sections -------- */
.section { padding: 70px 0; }
.section.alt { background: var(--cream); }
.section.dark { background: var(--navy-800); color: var(--white); }
.section.dark h2, .section.dark h3 { color: var(--white); }
.section-header { text-align: center; max-width: 800px; margin: 0 auto 50px; }
.section-header .eyebrow {
  color: var(--gold-500);
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  font-size: 0.85rem;
  margin-bottom: 10px;
}
.section-header h2 { margin-bottom: 14px; }
.lead { font-size: 1.1rem; color: var(--muted); }

/* -------- Page header (inner pages) -------- */
.page-header {
  background: var(--navy-800) url('../images/hero-bg.svg') center/cover no-repeat;
  color: var(--white);
  padding: 70px 0 60px;
  text-align: center;
  position: relative;
}
.page-header::after {
  content: ""; position: absolute; inset: 0;
  background: rgba(6,20,41,0.65);
}
.page-header .container { position: relative; z-index: 1; }
.page-header h1 { color: var(--white); margin: 0; }

/* -------- Cards / steps -------- */
.grid { display: grid; gap: 28px; }
.grid.cols-2 { grid-template-columns: repeat(2, 1fr); }
.grid.cols-3 { grid-template-columns: repeat(3, 1fr); }
.grid.cols-4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: var(--white);
  border-radius: 10px;
  padding: 28px 24px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--gold-500); }
.card h3 { margin-top: 8px; }

.step-card {
  text-align: center;
  background: var(--white);
  padding: 30px 22px;
  border-radius: 10px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  position: relative;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}
.step-card:hover { border-color: var(--gold-500); box-shadow: var(--shadow-md); }
.step-card .step-icon { width: 90px; height: 90px; margin: 0 auto 14px; }
.step-card .step-num {
  position: absolute;
  top: -16px; right: -10px;
  width: 40px; height: 40px;
  background: var(--gold-500);
  color: var(--navy-900);
  border-radius: 50%;
  font-weight: 800;
  display: grid;
  place-items: center;
  font-family: Georgia, serif;
  box-shadow: var(--shadow-sm);
}
.step-card h4 {
  text-transform: uppercase;
  letter-spacing: 2px;
  color: var(--gold-500);
  font-size: 0.85rem;
  margin-bottom: 8px;
}
.step-card h3 { margin: 0 0 10px; font-size: 1.05rem; }
.step-card p { color: var(--muted); font-size: 0.95rem; margin: 0; }

/* -------- Two-column content row -------- */
.row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: center;
}
.row img, .row svg { border-radius: 10px; box-shadow: var(--shadow-md); }

/* -------- Disclosure / legal box -------- */
.disclosure {
  background: var(--cream);
  border-left: 4px solid var(--gold-500);
  padding: 22px 24px;
  margin: 20px 0;
  border-radius: 0 var(--radius) var(--radius) 0;
  font-size: 0.95rem;
}
.disclosure h3, .disclosure h4 {
  font-size: 1rem;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--navy-800);
  margin-top: 0;
}

/* -------- Forms -------- */
.form-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 28px;
  box-shadow: var(--shadow-sm);
}
.form-group { margin-bottom: 16px; }
.form-group label {
  display: block;
  font-weight: 600;
  font-size: 0.9rem;
  margin-bottom: 6px;
  color: var(--navy-800);
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  font: inherit;
  background: var(--white);
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: 0;
  border-color: var(--gold-500);
  box-shadow: 0 0 0 3px rgba(212, 175, 55, 0.2);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

.embed-placeholder {
  border: 2px dashed var(--gold-500);
  background: var(--cream);
  padding: 40px 24px;
  text-align: center;
  border-radius: 10px;
  color: var(--muted);
}
.embed-placeholder strong { color: var(--navy-800); display: block; margin-bottom: 6px; }

/* -------- Contact info block -------- */
.contact-info { list-style: none; padding: 0; margin: 0; }
.contact-info li {
  display: flex;
  gap: 14px;
  padding: 14px 0;
  border-bottom: 1px solid var(--border);
}
.contact-info li:last-child { border-bottom: 0; }
.contact-info .icon {
  width: 36px; height: 36px;
  background: var(--navy-800);
  color: var(--gold-400);
  border-radius: 50%;
  display: grid;
  place-items: center;
  flex-shrink: 0;
  font-size: 1rem;
}

/* -------- Footer -------- */
.site-footer {
  background: var(--navy-900);
  color: var(--cream);
  padding: 50px 0 0;
  font-size: 0.9rem;
}
.site-footer h4 {
  color: var(--gold-400);
  font-size: 1rem;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  margin-bottom: 16px;
}
.site-footer a { color: var(--cream); }
.site-footer a:hover { color: var(--gold-400); }
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 36px;
}
.footer-grid ul { list-style: none; padding: 0; margin: 0; }
.footer-grid li { margin-bottom: 8px; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 18px 0;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  color: rgba(255,255,255,0.6);
}
.footer-bottom ul { display: flex; gap: 18px; list-style: none; padding: 0; margin: 0; flex-wrap: wrap; }

/* -------- Map -------- */
.map-wrap {
  border-radius: 10px;
  overflow: hidden;
  box-shadow: var(--shadow-md);
  height: 380px;
}
.map-wrap iframe { width: 100%; height: 100%; border: 0; }

/* -------- Utility -------- */
.text-center { text-align: center; }
.mt-20 { margin-top: 20px; }
.mt-30 { margin-top: 30px; }
.mt-40 { margin-top: 40px; }
.mb-20 { margin-bottom: 20px; }

/* =========================================================
   RESPONSIVE
   ========================================================= */
@media (max-width: 980px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .grid.cols-4 { grid-template-columns: repeat(2, 1fr); }
  .grid.cols-3 { grid-template-columns: repeat(2, 1fr); }
}

/* Multi-tier responsive nav so 8 labels never wrap */
@media (min-width: 1101px) and (max-width: 1280px) {
  .main-nav a { padding: 9px 9px; font-size: 0.84rem; letter-spacing: 0.1px; }
  .main-nav > ul { gap: 0; }
  .brand img, .brand svg { height: 48px; max-width: 210px; }
}

@media (max-width: 1100px) {
  :root { --header-h: 72px; }
  .topbar { display: none; }
  .nav-toggle { display: inline-flex; align-items: center; }

  /* mobile slide-in nav */
  .main-nav {
    position: fixed;
    top: 0; right: 0;
    height: 100vh;
    width: min(82vw, 360px);
    background: var(--navy-900);
    transform: translateX(100%);
    transition: transform 0.3s ease;
    overflow-y: auto;
    box-shadow: var(--shadow-lg);
    padding: 70px 0 40px;
    z-index: 200;
  }
  .main-nav.open { transform: translateX(0); }
  .main-nav > ul {
    flex-direction: column;
    align-items: stretch;
    gap: 0;
  }
  .main-nav > ul > li { border-bottom: 1px solid rgba(255,255,255,0.06); }
  .main-nav a {
    padding: 14px 22px;
    border-radius: 0;
    font-size: 0.95rem;
  }
  .main-nav .has-sub > a::after { content: " +"; float: right; }
  .main-nav .has-sub.open > a::after { content: " −"; }

  .submenu, .submenu .submenu {
    display: none;
    position: static;
    box-shadow: none;
    border: 0;
    background: rgba(0,0,0,0.25);
    padding: 0;
    border-radius: 0;
    min-width: 0;
  }
  .has-sub.open > .submenu { display: block; }
  .submenu a { color: var(--cream); padding: 11px 36px; font-size: 0.85rem; }
  .submenu a:hover { background: rgba(212,175,55,0.1); color: var(--gold-400); }
  .submenu .submenu a { padding-left: 52px; }

  .nav-toggle.is-open {
    position: fixed;
    top: 14px; right: 14px;
    z-index: 250;
    color: var(--white);
  }

  body.nav-open { overflow: hidden; }
  body.nav-open::after {
    content: "";
    position: fixed; inset: 0;
    background: rgba(0,0,0,0.4);
    z-index: 150;
  }

  .hero { padding: 60px 0 70px; }
  .hero-actions { flex-direction: column; align-items: stretch; }
  .hero-actions .btn { width: 100%; }

  .row { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
}

@media (max-width: 560px) {
  .grid.cols-4, .grid.cols-3, .grid.cols-2 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .section { padding: 50px 0; }
  .page-header { padding: 50px 0 40px; }
}