/* ============================================
   CRESTWOOD PRIVATE BANK — Professional Template
   Clean, light, institutional aesthetic
   ============================================ */

:root {
  --navy: #0C2340;
  --navy-light: #1a3a5c;
  --navy-faint: #f0f3f7;
  --navy-faint2: #e8ecf2;
  --blue: #2563EB;
  --green: #16A34A;
  --green-bg: #f0fdf4;
  --white: #ffffff;
  --off-white: #fafbfc;
  --cream: #f8f7f4;
  --border: #e5e7eb;
  --border-dark: #d1d5db;
  --text: #111827;
  --text-secondary: #4b5563;
  --text-muted: #9ca3af;
  --font: 'DM Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-serif: 'DM Serif Display', Georgia, 'Times New Roman', serif;
  --radius: 8px;
  --radius-lg: 12px;
  --radius-xl: 16px;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.06);
  --shadow: 0 4px 16px rgba(0,0,0,0.06);
  --shadow-lg: 0 8px 40px rgba(0,0,0,0.08);
  --shadow-xl: 0 20px 60px rgba(0,0,0,0.1);
  --transition: 0.25s ease;
}

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

html {
  scroll-behavior: smooth;
  scroll-padding-top: 120px;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font);
  background: var(--white);
  color: var(--text);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

.container { max-width: 1160px; margin: 0 auto; padding: 0 24px; }

a { color: inherit; text-decoration: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, select, textarea { font-family: inherit; }
img { max-width: 100%; display: block; }

/* ============================================
   BUTTONS
   ============================================ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-weight: 500;
  font-size: 0.875rem;
  padding: 10px 22px;
  border-radius: var(--radius);
  border: 1px solid transparent;
  transition: var(--transition);
  white-space: nowrap;
  line-height: 1.4;
}

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

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

.btn-text { color: var(--navy); font-weight: 500; }
.btn-text:hover { opacity: 0.7; }

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

.btn-ghost-white { color: var(--white); border-color: rgba(255,255,255,0.3); }
.btn-ghost-white:hover { border-color: var(--white); background: rgba(255,255,255,0.1); }

.btn-sm { padding: 6px 14px; font-size: 0.8rem; }
.btn-lg { padding: 14px 28px; font-size: 0.95rem; }
.btn-block { width: 100%; }

/* ============================================
   ANNOUNCEMENT BAR
   ============================================ */
.announcement-bar {
  background: var(--navy);
  color: rgba(255,255,255,0.85);
  font-size: 0.8rem;
  text-align: center;
  padding: 8px 24px;
}
.announcement-bar a { color: var(--white); font-weight: 500; margin-left: 4px; text-decoration: underline; text-underline-offset: 2px; }

/* ============================================
   HEADER
   ============================================ */
.header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--white);
}

.header-top {
  border-bottom: 1px solid var(--border);
  font-size: 0.78rem;
}

.header-top-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 6px;
  padding-bottom: 6px;
}

.header-top-links { display: flex; gap: 20px; }
.header-top-links a { color: var(--text-secondary); transition: var(--transition); }
.header-top-links a:hover { color: var(--navy); }

.header-top-actions { display: flex; align-items: center; gap: 16px; }
.header-phone { display: flex; align-items: center; gap: 5px; color: var(--text-secondary); font-weight: 500; }

.header-main {
  border-bottom: 1px solid var(--border);
  transition: box-shadow var(--transition);
}
.header-main.shadow { box-shadow: var(--shadow-sm); }

.header-main-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 12px;
  padding-bottom: 12px;
  gap: 32px;
}

/* Logo */
.logo { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }
.logo-mark { width: 32px; height: 32px; color: var(--navy); }
.logo-type { display: flex; flex-direction: column; line-height: 1; }
.logo-name { font-size: 1.05rem; font-weight: 700; letter-spacing: 2.5px; color: var(--navy); }
.logo-sub { font-size: 0.55rem; font-weight: 400; letter-spacing: 2px; color: var(--text-muted); margin-top: 2px; text-transform: uppercase; }

/* Nav */
.nav { display: flex; gap: 28px; }
.nav-link {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--text-secondary);
  transition: var(--transition);
  padding: 6px 0;
  position: relative;
}
.nav-link::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--navy);
  transition: width var(--transition);
}
.nav-link:hover { color: var(--navy); }
.nav-link:hover::after { width: 100%; }

.header-cta { flex-shrink: 0; }

.mobile-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 6px;
}
.mobile-toggle span {
  width: 20px; height: 2px; background: var(--text); border-radius: 2px;
  transition: var(--transition);
}

/* ============================================
   MOBILE NAV
   ============================================ */
.mobile-nav {
  position: fixed; inset: 0; z-index: 9999;
  visibility: hidden; pointer-events: none;
}
.mobile-nav.open { visibility: visible; pointer-events: all; }

.mobile-nav-overlay {
  position: absolute; inset: 0;
  background: rgba(0,0,0,0.3);
  opacity: 0; transition: opacity var(--transition);
}
.mobile-nav.open .mobile-nav-overlay { opacity: 1; }

.mobile-nav-panel {
  position: absolute; top: 0; right: 0;
  width: 88%; max-width: 380px; height: 100%;
  background: var(--white);
  transform: translateX(100%);
  transition: transform 0.35s ease;
  display: flex; flex-direction: column;
  box-shadow: -4px 0 24px rgba(0,0,0,0.1);
}
.mobile-nav.open .mobile-nav-panel { transform: translateX(0); }

.mobile-nav-header {
  display: flex; justify-content: space-between; align-items: center;
  padding: 20px 24px; border-bottom: 1px solid var(--border);
}
.mobile-nav-close { font-size: 1.8rem; color: var(--text-secondary); line-height: 1; }

.mobile-nav-links {
  flex: 1; padding: 12px 0;
  display: flex; flex-direction: column;
}
.mobile-nav-links a {
  display: block;
  padding: 14px 24px;
  font-size: 1rem; font-weight: 500;
  color: var(--text-secondary);
  border-bottom: 1px solid var(--border);
  transition: var(--transition);
}
.mobile-nav-links a:hover { color: var(--navy); background: var(--navy-faint); }

.mobile-nav-footer {
  padding: 20px 24px; border-top: 1px solid var(--border);
  display: flex; flex-direction: column; gap: 10px;
}
.mobile-nav-phone {
  display: flex; align-items: center; justify-content: center;
  gap: 6px; color: var(--text-secondary); font-size: 0.9rem; padding: 8px;
}

/* ============================================
   HERO
   ============================================ */
.hero {
  padding: 64px 0 80px;
  background: linear-gradient(180deg, var(--navy-faint) 0%, var(--white) 100%);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}

.hero-title {
  font-family: var(--font-serif);
  font-size: 3.2rem;
  line-height: 1.15;
  color: var(--navy);
  margin-bottom: 20px;
  letter-spacing: -0.5px;
}
.hero-title em {
  font-style: italic;
  color: var(--blue);
}

.hero-lead {
  font-size: 1.05rem;
  color: var(--text-secondary);
  line-height: 1.7;
  margin-bottom: 32px;
  max-width: 480px;
}

.hero-actions { display: flex; gap: 12px; margin-bottom: 36px; flex-wrap: wrap; }

.trust-badges { display: flex; gap: 20px; flex-wrap: wrap; }
.trust-badge {
  display: flex; align-items: center; gap: 6px;
  font-size: 0.78rem; font-weight: 500;
  color: var(--text-muted);
}
.trust-badge svg { color: var(--green); }

/* Hero Card */
.hero-visual { position: relative; }

.hero-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  overflow: hidden;
}

.hero-card-inner { padding: 28px; }

.hero-card-header {
  display: flex; justify-content: space-between; align-items: center;
  margin-bottom: 16px;
}
.hero-card-label { font-size: 0.8rem; font-weight: 600; color: var(--text-secondary); text-transform: uppercase; letter-spacing: 1px; }
.hero-card-date { font-size: 0.78rem; color: var(--text-muted); }

.hero-card-balance { margin-bottom: 20px; }
.hero-card-amount {
  font-family: var(--font-serif);
  font-size: 2rem;
  color: var(--navy);
}
.hero-card-change {
  display: inline-flex; align-items: center; gap: 4px;
  font-size: 0.8rem; font-weight: 500; color: var(--green);
  margin-top: 4px;
}

.hero-card-chart {
  height: 80px;
  margin-bottom: 20px;
}
.hero-card-chart svg { width: 100%; height: 100%; }

.hero-chart-line {
  stroke-dasharray: 500;
  stroke-dashoffset: 500;
  animation: drawLine 2s ease forwards 0.5s;
}
.hero-chart-area { opacity: 0; animation: fadeIn 1s ease forwards 1.5s; }

@keyframes drawLine { to { stroke-dashoffset: 0; } }
@keyframes fadeIn { to { opacity: 1; } }

.hero-card-row {
  display: grid; grid-template-columns: repeat(3,1fr); gap: 16px;
  padding-top: 16px; border-top: 1px solid var(--border);
}
.hero-card-stat {}
.hcs-label { font-size: 0.7rem; color: var(--text-muted); display: block; margin-bottom: 4px; }
.hcs-value { font-size: 0.85rem; font-weight: 600; color: var(--navy); display: block; margin-bottom: 6px; }
.hcs-bar { height: 4px; background: var(--navy-faint2); border-radius: 2px; }
.hcs-fill { height: 100%; background: var(--navy); border-radius: 2px; transition: width 1.5s ease; }
.hcs-fill.fi { background: var(--blue); }
.hcs-fill.alt { background: var(--text-muted); }

/* Floating cards */
.hero-float-card {
  position: absolute;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 12px 16px;
  box-shadow: var(--shadow-lg);
  display: flex; align-items: center; gap: 10px;
  animation: floatCard 4s ease-in-out infinite;
}

.hfc-1 { top: -10px; left: -30px; animation-delay: 0s; }
.hfc-2 { bottom: 20px; right: -20px; animation-delay: 2s; }

@keyframes floatCard {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-6px); }
}

.hfc-icon {
  width: 32px; height: 32px; border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.hfc-icon.green { background: var(--green-bg); color: var(--green); }
.hfc-icon.blue { background: var(--navy-faint); color: var(--navy); }

.hfc-title { font-size: 0.7rem; color: var(--text-muted); }
.hfc-value { font-size: 0.82rem; font-weight: 600; color: var(--text); }

/* ============================================
   STATS BAR
   ============================================ */
.stats-bar {
  padding: 48px 0;
  background: var(--white);
  border-bottom: 1px solid var(--border);
}

.stats-grid {
  display: grid; grid-template-columns: repeat(4,1fr); gap: 32px;
  text-align: center;
}

.stat-number {
  font-family: var(--font-serif);
  font-size: 2.4rem;
  color: var(--navy);
  margin-bottom: 4px;
}
.stat-text { font-size: 0.8rem; color: var(--text-muted); font-weight: 500; }

/* ============================================
   SECTIONS
   ============================================ */
.section { padding: 80px 0; }

.section-label {
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 2.5px;
  color: var(--blue);
  margin-bottom: 12px;
}

.section-heading {
  font-family: var(--font-serif);
  font-size: 2.4rem;
  line-height: 1.2;
  color: var(--navy);
  margin-bottom: 16px;
}

.section-desc {
  font-size: 1rem;
  color: var(--text-secondary);
  line-height: 1.7;
  max-width: 540px;
}

.section-intro { margin-bottom: 56px; }
.section-intro.centered { text-align: center; }
.section-intro.centered .section-desc { margin: 0 auto; }

/* ============================================
   SERVICES
   ============================================ */
.services-section { background: var(--off-white); }

.services-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}

.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px;
  transition: var(--transition);
}
.service-card:hover {
  box-shadow: var(--shadow);
  border-color: var(--border-dark);
}

.service-number {
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--text-muted);
  margin-bottom: 16px;
  letter-spacing: 1px;
}

.service-name {
  font-family: var(--font-serif);
  font-size: 1.3rem;
  color: var(--navy);
  margin-bottom: 10px;
}

.service-text {
  font-size: 0.9rem;
  color: var(--text-secondary);
  line-height: 1.7;
  margin-bottom: 16px;
}

.service-features {
  list-style: none;
  margin-bottom: 20px;
}
.service-features li {
  font-size: 0.82rem;
  color: var(--text-secondary);
  padding: 5px 0;
  padding-left: 18px;
  position: relative;
}
.service-features li::before {
  content: '';
  position: absolute; left: 0; top: 11px;
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--navy);
  opacity: 0.3;
}

.link-arrow {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: var(--transition);
}
.link-arrow::after { content: ' →'; transition: var(--transition); }
.link-arrow:hover { color: var(--blue); gap: 10px; }

/* ============================================
   WEALTH
   ============================================ */
.wealth-section { background: var(--white); }

.wealth-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}

.wealth-features { margin-top: 32px; }

.wealth-feature {
  display: flex; gap: 16px;
  padding: 20px 0;
  border-bottom: 1px solid var(--border);
}
.wealth-feature:last-child { border-bottom: none; }

.wf-icon {
  width: 40px; height: 40px;
  border-radius: var(--radius);
  background: var(--navy-faint);
  color: var(--navy);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}

.wealth-feature h4 { font-size: 0.95rem; font-weight: 600; color: var(--navy); margin-bottom: 4px; }
.wealth-feature p { font-size: 0.85rem; color: var(--text-secondary); line-height: 1.6; }

/* Wealth Card */
.wealth-card {
  background: var(--navy-faint);
  border: 1px solid var(--navy-faint2);
  border-radius: var(--radius-xl);
  overflow: hidden;
}

.wc-header {
  padding: 24px 28px 16px;
}
.wc-tag {
  font-size: 0.7rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 2px;
  color: var(--navy);
}

.wc-steps { padding: 0 28px 28px; }

.wc-step {
  display: flex; gap: 16px;
  padding: 16px 0;
  border-bottom: 1px solid var(--navy-faint2);
}
.wc-step:last-child { border-bottom: none; }

.wc-step-num {
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.75rem; font-weight: 700;
  flex-shrink: 0;
  margin-top: 2px;
}
.wc-step strong { display: block; font-size: 0.9rem; color: var(--navy); margin-bottom: 4px; }
.wc-step p { font-size: 0.82rem; color: var(--text-secondary); line-height: 1.5; }

/* ============================================
   DIGITAL PLATFORM
   ============================================ */
.platform-section { background: var(--off-white); }

.platform-preview {
  display: flex; justify-content: center;
  margin-bottom: 56px;
}

/* Phone Frame */
.phone-frame {
  width: 300px;
  background: var(--navy);
  border-radius: 36px;
  padding: 12px;
  box-shadow: var(--shadow-xl), 0 0 0 1px rgba(0,0,0,0.05);
  position: relative;
}

.phone-notch {
  width: 120px; height: 28px;
  background: var(--navy);
  border-radius: 0 0 16px 16px;
  position: absolute; top: 12px; left: 50%;
  transform: translateX(-50%);
  z-index: 10;
}

.phone-screen {
  background: var(--white);
  border-radius: 26px;
  overflow: hidden;
  position: relative;
  min-height: 540px;
  display: flex;
  flex-direction: column;
}

.app-status-bar {
  display: flex; justify-content: space-between; align-items: center;
  padding: 14px 20px 6px;
  font-size: 0.72rem; font-weight: 600;
}
.app-status-icons { display: flex; gap: 6px; }

.app-greeting {
  display: flex; justify-content: space-between; align-items: center;
  padding: 12px 20px;
}
.app-hello { font-size: 0.8rem; color: var(--text-muted); }
.app-name { font-family: var(--font-serif); font-size: 1.3rem; color: var(--navy); }
.app-avatar {
  width: 36px; height: 36px; border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.7rem; font-weight: 700;
}

.app-total-card {
  margin: 0 16px 16px;
  padding: 20px;
  background: var(--navy);
  border-radius: var(--radius-lg);
  color: var(--white);
}
.app-total-label { font-size: 0.7rem; opacity: 0.7; margin-bottom: 4px; }
.app-total-amount { font-family: var(--font-serif); font-size: 1.6rem; }
.app-total-change {
  display: flex; align-items: center; gap: 4px;
  font-size: 0.72rem; color: #4ADE80; margin-top: 4px;
}

.app-accounts-label {
  padding: 0 20px;
  font-size: 0.72rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 1.5px;
  color: var(--text-muted);
  margin-bottom: 8px;
}

.app-account {
  display: flex; align-items: center; gap: 10px;
  padding: 10px 20px;
}
.app-acc-icon {
  width: 32px; height: 32px; border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
}
.app-acc-icon.checking { background: var(--navy-faint); color: var(--navy); }
.app-acc-icon.savings { background: var(--green-bg); color: var(--green); }
.app-acc-icon.invest { background: #eff6ff; color: var(--blue); }

.app-acc-info { flex: 1; }
.app-acc-name { font-size: 0.82rem; font-weight: 600; }
.app-acc-num { font-size: 0.7rem; color: var(--text-muted); }
.app-acc-bal { font-size: 0.85rem; font-weight: 600; color: var(--navy); }

.app-bottom-bar {
  margin-top: auto;
  display: flex; justify-content: space-around;
  padding: 10px 0;
  border-top: 1px solid var(--border);
}
.app-tab {
  display: flex; flex-direction: column; align-items: center; gap: 2px;
  font-size: 0.6rem; color: var(--text-muted); font-weight: 500;
}
.app-tab.active { color: var(--navy); }

/* Platform Features */
.platform-features-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px;
}

.pf-card {
  text-align: center; padding: 24px;
}
.pf-icon-wrap {
  width: 48px; height: 48px;
  border-radius: var(--radius-lg);
  background: var(--white);
  border: 1px solid var(--border);
  color: var(--navy);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 16px;
}
.pf-card h4 { font-size: 0.9rem; font-weight: 600; color: var(--navy); margin-bottom: 8px; }
.pf-card p { font-size: 0.82rem; color: var(--text-secondary); line-height: 1.6; }

/* ============================================
   ABOUT
   ============================================ */
.about-section { background: var(--white); }

.about-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start;
}

.about-values { margin-top: 32px; }
.about-value {
  padding: 20px 0;
  border-bottom: 1px solid var(--border);
}
.about-value:last-child { border-bottom: none; }
.about-value h4 { font-size: 0.95rem; font-weight: 600; color: var(--navy); margin-bottom: 6px; }
.about-value p { font-size: 0.85rem; color: var(--text-secondary); line-height: 1.6; }

.about-image-placeholder {
  background: var(--navy-faint);
  border-radius: var(--radius-xl);
  height: 280px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 24px;
}
.aip-content {
  text-align: center; color: var(--navy);
}
.aip-content svg { margin: 0 auto 12px; opacity: 0.3; }
.aip-content span { display: block; font-size: 0.85rem; color: var(--text-muted); }

.about-quote {
  background: var(--navy-faint);
  border-radius: var(--radius-lg);
  padding: 28px;
  border-left: 3px solid var(--navy);
}
.about-quote blockquote {
  font-family: var(--font-serif);
  font-size: 1.05rem;
  color: var(--navy);
  line-height: 1.6;
  margin-bottom: 12px;
}
.about-quote cite {
  font-style: normal;
  font-size: 0.82rem;
  color: var(--text-muted);
}

/* ============================================
   INSIGHTS
   ============================================ */
.insights-section { background: var(--off-white); }

.insights-header {
  display: flex; justify-content: space-between; align-items: flex-end;
  margin-bottom: 40px;
}

.insights-grid {
  display: grid; grid-template-columns: repeat(3,1fr); gap: 24px;
}

.insight-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: var(--transition);
}
.insight-card:hover { box-shadow: var(--shadow); }

.insight-image { height: 180px; background: var(--navy-faint); }
.insight-placeholder {
  height: 100%; display: flex; align-items: center; justify-content: center;
  color: var(--navy); opacity: 0.2;
}

.insight-body { padding: 24px; }
.insight-meta { display: flex; gap: 12px; margin-bottom: 12px; }
.insight-cat {
  font-size: 0.7rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 1px;
  color: var(--blue);
}
.insight-date { font-size: 0.7rem; color: var(--text-muted); }
.insight-title {
  font-family: var(--font-serif);
  font-size: 1.1rem; color: var(--navy);
  line-height: 1.3; margin-bottom: 8px;
}
.insight-excerpt {
  font-size: 0.85rem; color: var(--text-secondary);
  line-height: 1.6; margin-bottom: 16px;
}

/* ============================================
   CTA
   ============================================ */
.cta-section { padding: 0 0 80px; background: var(--off-white); }

.cta-card {
  background: var(--navy);
  border-radius: var(--radius-xl);
  padding: 64px;
  text-align: center;
}
.cta-content h2 {
  font-family: var(--font-serif);
  font-size: 2rem;
  color: var(--white);
  margin-bottom: 16px;
  line-height: 1.3;
}
.cta-content p {
  font-size: 1rem;
  color: rgba(255,255,255,0.7);
  max-width: 520px;
  margin: 0 auto 32px;
  line-height: 1.7;
}
.cta-actions { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }

/* ============================================
   CONTACT
   ============================================ */
.contact-section { background: var(--white); }

.contact-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start;
}

.contact-details { margin-top: 32px; }
.contact-detail {
  display: flex; gap: 14px;
  padding: 16px 0;
  border-bottom: 1px solid var(--border);
}
.contact-detail:last-child { border-bottom: none; }
.cd-icon {
  width: 36px; height: 36px;
  border-radius: var(--radius);
  background: var(--navy-faint);
  color: var(--navy);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.contact-detail strong { display: block; font-size: 0.88rem; margin-bottom: 2px; }
.contact-detail p { font-size: 0.82rem; color: var(--text-secondary); line-height: 1.5; }

/* Form */
.contact-form-wrap {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 36px;
}

.contact-form { display: flex; flex-direction: column; gap: 16px; }

.form-row-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }

.form-field { display: flex; flex-direction: column; gap: 5px; }
.form-field label {
  font-size: 0.78rem; font-weight: 600;
  color: var(--text-secondary);
}
.form-field input,
.form-field select,
.form-field textarea {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 11px 14px;
  font-size: 0.88rem;
  color: var(--text);
  transition: var(--transition);
  outline: none;
}
.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(12,35,64,0.08);
}
.form-field textarea { resize: vertical; min-height: 80px; }
.form-field select {
  appearance: none; -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='10' viewBox='0 0 10 10'%3E%3Cpath d='M2 4l3 3 3-3' fill='none' stroke='%239ca3af' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
}

.form-fine-print {
  font-size: 0.72rem;
  color: var(--text-muted);
  text-align: center;
  margin-top: 4px;
}
.form-fine-print a { text-decoration: underline; text-underline-offset: 2px; }

/* ============================================
   FOOTER
   ============================================ */
.footer {
  background: var(--navy);
  color: rgba(255,255,255,0.75);
  padding-top: 64px;
}

.footer-main {
  display: grid;
  grid-template-columns: 1.3fr 3fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

.footer .logo-mark { color: rgba(255,255,255,0.7); }
.footer .logo-name { color: var(--white); }
.footer .logo-sub { color: rgba(255,255,255,0.4); }

.footer-desc {
  font-size: 0.85rem;
  line-height: 1.6;
  margin-top: 16px;
  color: rgba(255,255,255,0.5);
  max-width: 260px;
}

.footer-columns {
  display: grid; grid-template-columns: repeat(4,1fr); gap: 24px;
}

.footer-col h4 {
  font-size: 0.78rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 1.5px;
  color: rgba(255,255,255,0.4);
  margin-bottom: 14px;
}
.footer-col a {
  display: block;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.65);
  padding: 5px 0;
  transition: var(--transition);
}
.footer-col a:hover { color: var(--white); }

.footer-legal {
  padding: 24px 0;
}

.footer-legal-top {
  margin-bottom: 16px;
}

.footer-badges { display: flex; gap: 16px; flex-wrap: wrap; }
.footer-badge {
  font-size: 0.7rem;
  font-weight: 600;
  padding: 4px 10px;
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 4px;
  color: rgba(255,255,255,0.5);
}

.footer-disclaimer {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.35);
  line-height: 1.7;
}
.footer-disclaimer p { margin-bottom: 8px; }
.footer-disclaimer a {
  color: rgba(255,255,255,0.5);
  text-decoration: underline;
  text-underline-offset: 2px;
}

/* ============================================
   MOBILE BOTTOM NAV
   ============================================ */
.mobile-bottom-nav {
  display: none;
  position: fixed; bottom: 0; left: 0; right: 0;
  z-index: 900;
  background: var(--white);
  border-top: 1px solid var(--border);
  padding: 4px 0;
  padding-bottom: max(4px, env(safe-area-inset-bottom));
  justify-content: space-around;
}

.mob-tab {
  display: flex; flex-direction: column; align-items: center; gap: 2px;
  padding: 6px 8px;
  font-size: 0.62rem; font-weight: 600;
  color: var(--text-muted);
  transition: var(--transition);
}
.mob-tab.active { color: var(--navy); }

/* ============================================
   ANIMATIONS
   ============================================ */
.fade-up {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.fade-up.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ============================================
   RESPONSIVE
   ============================================ */
@media (max-width: 1024px) {
  .hero-grid { gap: 40px; }
  .hero-title { font-size: 2.6rem; }
  .wealth-grid { gap: 40px; }
  .about-grid { gap: 40px; }
  .contact-grid { gap: 40px; }
  .footer-main { grid-template-columns: 1fr; gap: 32px; }
}

@media (max-width: 768px) {
  .container { padding: 0 20px; }
  .section { padding: 60px 0; }

  .announcement-bar { font-size: 0.72rem; }
  .header-top { display: none; }
  .nav { display: none; }
  .header-cta { display: none; }
  .mobile-toggle { display: flex; }

  .hero { padding: 40px 0 60px; }
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero-title { font-size: 2.2rem; }
  .hero-lead { font-size: 0.95rem; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; }
  .hero-float-card { display: none; }

  .stats-grid { grid-template-columns: repeat(2,1fr); gap: 24px; }
  .stat-number { font-size: 1.8rem; }

  .services-grid { grid-template-columns: 1fr; }
  .service-card { padding: 28px; }

  .wealth-grid { grid-template-columns: 1fr; }
  .section-heading { font-size: 1.9rem; }
  .section-heading br { display: none; }

  .platform-features-grid { grid-template-columns: repeat(2,1fr); gap: 16px; }

  .about-grid { grid-template-columns: 1fr; }
  .about-image-placeholder { height: 200px; }

  .insights-header { flex-direction: column; align-items: flex-start; gap: 16px; }
  .insights-grid { grid-template-columns: 1fr; }
  .insight-image { height: 140px; }

  .cta-card { padding: 40px 24px; }
  .cta-content h2 { font-size: 1.6rem; }
  .cta-content h2 br { display: none; }
  .cta-actions { flex-direction: column; align-items: center; }
  .cta-actions .btn { width: 100%; max-width: 300px; }

  .contact-grid { grid-template-columns: 1fr; gap: 40px; }
  .contact-form-wrap { padding: 24px; }
  .form-row-2 { grid-template-columns: 1fr; }

  .footer-columns { grid-template-columns: repeat(2,1fr); }
  .footer-badges { gap: 8px; }

  .mobile-bottom-nav { display: flex; }
  body { padding-bottom: 60px; }
  .footer { padding-bottom: 60px; }
}

@media (max-width: 480px) {
  .hero-title { font-size: 1.85rem; }
  .section-heading { font-size: 1.6rem; }
  .stat-number { font-size: 1.5rem; }
  .phone-frame { width: 260px; }
  .platform-features-grid { grid-template-columns: 1fr; }
  .footer-columns { grid-template-columns: 1fr; }
  .trust-badges { flex-direction: column; gap: 8px; }
}

@media (max-width: 360px) {
  .container { padding: 0 16px; }
  .hero-title { font-size: 1.6rem; }
}

@media (hover: none) {
  .service-card:hover { box-shadow: none; border-color: var(--border); }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
  .fade-up { opacity: 1; transform: none; }
  html { scroll-behavior: auto; }
}