/* ============================================================
   River Flow Funding — Main Stylesheet
   Color system, typography, layout, and component styles.
   All sections are labeled for easy navigation.
   ============================================================ */

/* ── 1. CSS Custom Properties (Design Tokens) ────────────── */
:root {
  /* Brand palette */
  --color-primary:        #0d5c7a;   /* deep teal */
  --color-primary-dark:   #094a62;
  --color-primary-light:  #e8f4f8;
  --color-accent:         #c8882a;   /* warm amber */
  --color-accent-light:   #fdf3e3;

  /* Neutrals */
  --color-bg:             #f8f9fa;
  --color-surface:        #ffffff;
  --color-border:         #d8e3e8;
  --color-text:           #1c2b34;
  --color-text-muted:     #5a6f7a;
  --color-text-light:     #8a9faa;

  /* Status */
  --color-success:        #1f7a4d;
  --color-error:          #b3261e;
  --color-warning:        #7a5c1f;

  /* Typography */
  --font-sans:  'Inter', system-ui, -apple-system, sans-serif;
  --font-serif: 'Playfair Display', Georgia, 'Times New Roman', serif;

  --text-xs:   0.75rem;
  --text-sm:   0.875rem;
  --text-base: 1rem;
  --text-lg:   1.125rem;
  --text-xl:   1.25rem;
  --text-2xl:  1.5rem;
  --text-3xl:  1.875rem;
  --text-4xl:  2.25rem;
  --text-5xl:  3rem;

  --weight-normal:   400;
  --weight-medium:   500;
  --weight-semibold: 600;
  --weight-bold:     700;

  --leading-tight:  1.25;
  --leading-snug:   1.375;
  --leading-normal: 1.5;
  --leading-relaxed:1.625;

  /* 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;

  /* Layout */
  --max-width:   1200px;
  --max-width-sm: 680px;

  /* Borders & shadows */
  --radius-sm:  4px;
  --radius-md:  8px;
  --radius-lg:  12px;
  --radius-xl:  20px;

  --shadow-sm:  0 1px 3px rgba(13,92,122,.08), 0 1px 2px rgba(13,92,122,.06);
  --shadow-md:  0 4px 12px rgba(13,92,122,.1), 0 2px 6px rgba(13,92,122,.07);
  --shadow-lg:  0 10px 30px rgba(13,92,122,.12), 0 4px 10px rgba(13,92,122,.08);

  /* Transitions */
  --transition-fast: 150ms ease;
  --transition-base: 250ms ease;

  /* Structural */
  --header-height: 72px;

  /* Extended brand palette */
  --color-teal-light:  #79cce8;   /* hero accent / stat highlight */
  --color-brand-dark:  #0a2c3a;   /* header & footer dark bg */
  --color-accent-dark: #a8701d;   /* accent hover state */
}

/* ── 2. Reset & Base ──────────────────────────────────────── */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-sans);
  font-size: var(--text-base);
  color: var(--color-text);
  background-color: var(--color-bg);
  line-height: var(--leading-normal);
  -webkit-font-smoothing: antialiased;
}

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

a {
  color: var(--color-primary);
  text-decoration: underline;
  text-underline-offset: 2px;
  transition: color var(--transition-fast);
}
a:hover { color: var(--color-primary-dark); }

ul, ol { list-style: none; }

/* Skip-to-content link for accessibility */
.skip-link {
  position: absolute;
  top: -100%;
  left: var(--space-4);
  padding: var(--space-2) var(--space-4);
  background: var(--color-primary);
  color: #fff;
  border-radius: 0 0 var(--radius-md) var(--radius-md);
  font-size: var(--text-sm);
  font-weight: var(--weight-semibold);
  text-decoration: none;
  z-index: 1000;
}
.skip-link:focus { top: 0; }

/* ── 3. Typography Utilities ─────────────────────────────── */
h1, h2, h3, h4, h5, h6 {
  font-weight: var(--weight-bold);
  line-height: var(--leading-tight);
  color: var(--color-text);
}

h1 { font-size: var(--text-4xl); }
h2 { font-size: var(--text-3xl); }
h3 { font-size: var(--text-2xl); }
h4 { font-size: var(--text-xl); }

p { line-height: var(--leading-relaxed); }

.text-muted   { color: var(--color-text-muted); }
.text-small   { font-size: var(--text-sm); }
.text-center  { text-align: center; }
.text-primary { color: var(--color-primary); }
.text-accent  { color: var(--color-accent); }

/* ── 4. Layout Utilities ──────────────────────────────────── */
.container {
  width: 100%;
  max-width: var(--max-width);
  margin-inline: auto;
  padding-inline: var(--space-6);
}

.container--narrow {
  max-width: var(--max-width-sm);
}

.section {
  padding-block: var(--space-20);
}

.section--alt {
  background-color: var(--color-primary-light);
}

.section--dark {
  background-color: var(--color-primary);
  color: #fff;
}

.section--dark h1,
.section--dark h2,
.section--dark h3 { color: #fff; }
.section--dark p  { color: rgba(255,255,255,0.85); }

.section-header {
  margin-bottom: var(--space-12);
}

.section-header h2 {
  margin-bottom: var(--space-4);
}

.section-header p {
  font-size: var(--text-lg);
  color: var(--color-text-muted);
  max-width: 60ch;
}

.grid-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-8);
}

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-6);
}

.grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-6);
}

.flex { display: flex; }
.flex-col { flex-direction: column; }
.items-center { align-items: center; }
.justify-between { justify-content: space-between; }
.gap-4 { gap: var(--space-4); }
.gap-6 { gap: var(--space-6); }

/* ── 5. Header & Navigation ───────────────────────────────── */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background-color: var(--color-surface);
  border-bottom: 1px solid var(--color-border);
  box-shadow: var(--shadow-sm);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--header-height);
}

/* Logo */
.site-logo {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  text-decoration: none;
  color: var(--color-text);
}

.site-logo__mark {
  width: 40px;
  height: 40px;
  background: var(--color-primary);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.site-logo__mark svg {
  width: 22px;
  height: 22px;
  fill: #fff;
}

.site-logo__text {
  display: flex;
  flex-direction: column;
  line-height: 1;
}

.site-logo__name {
  font-size: var(--text-lg);
  font-weight: var(--weight-bold);
  color: var(--color-primary);
  letter-spacing: -0.01em;
}

.site-logo__tagline {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-top: 1px;
}

/* Primary nav */
.primary-nav {
  display: flex;
  align-items: center;
  gap: var(--space-1);
}

.nav-link {
  padding: var(--space-2) var(--space-3);
  font-size: var(--text-sm);
  font-weight: var(--weight-medium);
  color: var(--color-text);
  text-decoration: none;
  border-radius: var(--radius-sm);
  transition: background-color var(--transition-fast), color var(--transition-fast);
  white-space: nowrap;
}

.nav-link:hover,
.nav-link.active {
  background-color: var(--color-primary-light);
  color: var(--color-primary);
}

.nav-link--cta {
  background-color: var(--color-primary);
  color: #fff !important;
  padding: var(--space-2) var(--space-4);
  margin-left: var(--space-2);
}

.nav-link--cta:hover {
  background-color: var(--color-primary-dark) !important;
  color: #fff !important;
}

/* Mobile menu toggle */
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: var(--space-2);
  border-radius: var(--radius-sm);
}

.nav-toggle__bar {
  width: 24px;
  height: 2px;
  background-color: var(--color-text);
  border-radius: 2px;
  transition: transform var(--transition-base), opacity var(--transition-fast);
}

.nav-toggle[aria-expanded="true"] .nav-toggle__bar:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}
.nav-toggle[aria-expanded="true"] .nav-toggle__bar:nth-child(2) {
  opacity: 0;
}
.nav-toggle[aria-expanded="true"] .nav-toggle__bar:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* ── 6. Hero Section ──────────────────────────────────────── */
.hero {
  background:
    linear-gradient(to right, #063040 35%, rgba(6, 48, 64, 0) 72%),
    url('../assets/Home 1.png') no-repeat right center / contain #063040;
  color: #fff;
  padding-block: var(--space-24);
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: none;
  pointer-events: none;
}

.hero__content {
  position: relative;
  max-width: 720px;
}

.hero__eyebrow {
  display: inline-block;
  font-size: var(--text-sm);
  font-weight: var(--weight-semibold);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.7);
  margin-bottom: var(--space-4);
  border: 1px solid rgba(255,255,255,0.2);
  padding: var(--space-1) var(--space-3);
  border-radius: var(--radius-xl);
}

.hero h1 {
  font-size: clamp(var(--text-3xl), 5vw, var(--text-5xl));
  font-weight: var(--weight-bold);
  line-height: 1.15;
  color: #fff;
  margin-bottom: var(--space-6);
}

.hero h1 span {
  color: var(--color-teal-light);
}

.hero p {
  font-size: var(--text-xl);
  color: rgba(255,255,255,0.85);
  line-height: var(--leading-relaxed);
  margin-bottom: var(--space-8);
  max-width: 56ch;
}

.hero__actions {
  display: flex;
  gap: var(--space-4);
  flex-wrap: wrap;
}

/* ── 7. Buttons ───────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  padding: var(--space-3) var(--space-6);
  font-family: var(--font-sans);
  font-size: var(--text-base);
  font-weight: var(--weight-semibold);
  line-height: 1;
  border: 2px solid transparent;
  border-radius: var(--radius-md);
  cursor: pointer;
  text-decoration: none;
  transition: background-color var(--transition-fast), border-color var(--transition-fast),
              color var(--transition-fast), box-shadow var(--transition-fast),
              transform var(--transition-fast);
  white-space: nowrap;
}

.btn:focus-visible {
  outline: 3px solid var(--color-accent);
  outline-offset: 2px;
}

.btn:active { transform: translateY(1px); }

.btn--primary {
  background-color: var(--color-accent);
  border-color: var(--color-accent);
  color: #fff;
}
.btn--primary:hover {
  background-color: var(--color-accent-dark);
  border-color: var(--color-accent-dark);
  color: #fff;
  box-shadow: var(--shadow-md);
}

.btn--outline {
  background-color: transparent;
  border-color: rgba(255,255,255,0.5);
  color: #fff;
}
.btn--outline:hover {
  background-color: rgba(255,255,255,0.1);
  border-color: #fff;
  color: #fff;
}

.btn--secondary {
  background-color: var(--color-primary);
  border-color: var(--color-primary);
  color: #fff;
}
.btn--secondary:hover {
  background-color: var(--color-primary-dark);
  border-color: var(--color-primary-dark);
  color: #fff;
  box-shadow: var(--shadow-md);
}

.btn--ghost {
  background-color: transparent;
  border-color: var(--color-border);
  color: var(--color-text);
}
.btn--ghost:hover {
  background-color: var(--color-bg);
  border-color: var(--color-primary);
  color: var(--color-primary);
}

.btn--lg {
  padding: var(--space-4) var(--space-8);
  font-size: var(--text-lg);
  border-radius: var(--radius-lg);
}

.btn--sm {
  padding: var(--space-2) var(--space-4);
  font-size: var(--text-sm);
}

/* ── 8. Cards ─────────────────────────────────────────────── */
.card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition-base), transform var(--transition-base);
}

.card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.card__icon {
  width: 52px;
  height: 52px;
  background: var(--color-primary-light);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-4);
  color: var(--color-primary);
}

.card__icon svg {
  width: 26px;
  height: 26px;
}

.card h3 {
  font-size: var(--text-xl);
  margin-bottom: var(--space-3);
}

.card p {
  color: var(--color-text-muted);
  font-size: var(--text-sm);
  line-height: var(--leading-relaxed);
}

/* ── 9. Feature/Highlight Bands ──────────────────────────── */
.highlight-band {
  background: var(--color-primary);
  color: #fff;
  padding-block: var(--space-10);
}

.highlight-band .grid-4 > div {
  text-align: center;
  padding: var(--space-4);
}

.highlight-band .stat-number {
  font-size: var(--text-4xl);
  font-weight: var(--weight-bold);
  color: var(--color-teal-light);
  line-height: 1;
  margin-bottom: var(--space-2);
}

.highlight-band .stat-label {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.8);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

/* ── 10. Notice / Alert Boxes ─────────────────────────────── */
.notice {
  border-radius: var(--radius-md);
  padding: var(--space-4) var(--space-5);
  border-left: 4px solid;
  margin-block: var(--space-4);
  font-size: var(--text-sm);
  line-height: var(--leading-relaxed);
}

.notice--info {
  background: var(--color-primary-light);
  border-color: var(--color-primary);
  color: var(--color-primary-dark);
}

.notice--warning {
  background: var(--color-accent-light);
  border-color: var(--color-accent);
  color: #5c3d0f;
}

.notice--success {
  background: #e8f5ee;
  border-color: var(--color-success);
  color: #145030;
}

/* ── 11. Forms ────────────────────────────────────────────── */
.form-section {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
  box-shadow: var(--shadow-md);
}

.form-group {
  margin-bottom: var(--space-5);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-4);
}

label {
  display: block;
  font-size: var(--text-sm);
  font-weight: var(--weight-semibold);
  color: var(--color-text);
  margin-bottom: var(--space-2);
}

label .required {
  color: var(--color-error);
  margin-left: 2px;
}

label .optional {
  font-weight: var(--weight-normal);
  color: var(--color-text-muted);
  font-size: var(--text-xs);
  margin-left: var(--space-2);
}

input[type="text"],
input[type="email"],
input[type="tel"],
input[type="number"],
select,
textarea {
  width: 100%;
  padding: var(--space-3) var(--space-4);
  font-family: var(--font-sans);
  font-size: var(--text-base);
  color: var(--color-text);
  background-color: var(--color-surface);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
  appearance: none;
  -webkit-appearance: none;
}

input:focus,
select:focus,
textarea:focus {
  outline: none;
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px rgba(13,92,122,0.12);
}

input::placeholder,
textarea::placeholder {
  color: var(--color-text-light);
}

textarea {
  resize: vertical;
  min-height: 120px;
}

select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%235a6f7a' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right var(--space-3) center;
  padding-right: var(--space-10);
}

.field-hint {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  margin-top: var(--space-1);
}

.field-error {
  font-size: var(--text-xs);
  color: var(--color-error);
  margin-top: var(--space-1);
  display: none;
}

input.is-invalid,
textarea.is-invalid,
select.is-invalid {
  border-color: var(--color-error);
}

input.is-invalid + .field-error,
textarea.is-invalid + .field-error,
select.is-invalid + .field-error {
  display: block;
}

/* Checkbox / radio */
.checkbox-group {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
}

.checkbox-group input[type="checkbox"] {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  margin-top: 2px;
  accent-color: var(--color-primary);
  cursor: pointer;
}

.checkbox-group label {
  margin-bottom: 0;
  font-weight: var(--weight-normal);
  cursor: pointer;
  font-size: var(--text-sm);
  line-height: var(--leading-relaxed);
}

/* Currency / number helper */
.input-prefix-wrap {
  position: relative;
}

.input-prefix {
  position: absolute;
  left: var(--space-3);
  top: 50%;
  transform: translateY(-50%);
  color: var(--color-text-muted);
  font-weight: var(--weight-medium);
  pointer-events: none;
}

.input-prefix ~ input {
  padding-left: var(--space-8);
}

/* Fieldset / legend */
fieldset {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: var(--space-5);
  margin-bottom: var(--space-5);
}

legend {
  font-weight: var(--weight-semibold);
  font-size: var(--text-sm);
  color: var(--color-primary);
  padding-inline: var(--space-2);
  letter-spacing: 0.02em;
  text-transform: uppercase;
}

/* Form submission status */
#form-status {
  display: none;
}

#form-status.visible {
  display: block;
}

/* ── 12. Accordion / FAQ ──────────────────────────────────── */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.faq-item {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  overflow: hidden;
}

.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  padding: var(--space-5) var(--space-6);
  background: none;
  border: none;
  width: 100%;
  text-align: left;
  font-family: var(--font-sans);
  font-size: var(--text-base);
  font-weight: var(--weight-semibold);
  color: var(--color-text);
  cursor: pointer;
  transition: background-color var(--transition-fast);
}

.faq-question:hover { background-color: var(--color-bg); }

.faq-question:focus-visible {
  outline: 2px solid var(--color-primary);
  outline-offset: -2px;
}

.faq-icon {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  color: var(--color-primary);
  transition: transform var(--transition-base);
}

.faq-item.open .faq-icon { transform: rotate(180deg); }

.faq-answer {
  max-height: 0;
  overflow: hidden;
  padding: 0 var(--space-6);
  color: var(--color-text-muted);
  font-size: var(--text-sm);
  line-height: var(--leading-relaxed);
  transition: max-height 0.35s cubic-bezier(.4,0,.2,1),
              padding    0.35s ease;
}

.faq-item.open .faq-answer {
  max-height: 600px;
  padding: 0 var(--space-6) var(--space-5);
}

.faq-answer p + p { margin-top: var(--space-3); }

.faq-answer a { color: var(--color-primary); }

/* ── 13. Page Hero (inner pages) ──────────────────────────── */
.page-hero {
  background: linear-gradient(135deg, var(--color-primary) 0%, #0a3d52 100%);
  padding-block: var(--space-16);
  color: #fff;
}

.page-hero h1 {
  color: #fff;
  font-size: var(--text-4xl);
  margin-bottom: var(--space-4);
}

.page-hero p {
  color: rgba(255,255,255,0.8);
  font-size: var(--text-lg);
  max-width: 56ch;
}

.breadcrumb {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.6);
  margin-bottom: var(--space-4);
}

.breadcrumb a { color: rgba(255,255,255,0.75); text-decoration: none; }
.breadcrumb a:hover { color: #fff; }
.breadcrumb .sep { color: rgba(255,255,255,0.35); }

/* ── 14. Steps / Process List ────────────────────────────── */
.steps {
  counter-reset: step-counter;
  display: flex;
  flex-direction: column;
  gap: var(--space-6);
}

.step {
  display: flex;
  gap: var(--space-5);
  counter-increment: step-counter;
}

.step__number {
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--color-primary);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: var(--weight-bold);
  font-size: var(--text-lg);
}

.step__number::after { content: counter(step-counter); }

.step__body h4 {
  margin-bottom: var(--space-2);
  font-size: var(--text-lg);
}

.step__body p {
  color: var(--color-text-muted);
  font-size: var(--text-sm);
}

/* ── 15. Option Cards (Loss Mitigation) ──────────────────── */
.option-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  transition: box-shadow var(--transition-base), border-color var(--transition-base);
}

.option-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--color-primary);
}

.option-card__badge {
  display: inline-block;
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: var(--space-1) var(--space-2);
  border-radius: var(--radius-sm);
  background: var(--color-primary-light);
  color: var(--color-primary);
}

.option-card h3 { font-size: var(--text-xl); }

.option-card p {
  color: var(--color-text-muted);
  font-size: var(--text-sm);
  flex: 1;
}

.option-card ul {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}

.option-card ul li {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  padding-left: var(--space-5);
  position: relative;
}

.option-card ul li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--color-success);
  font-weight: var(--weight-bold);
}

/* ── 16. Contact Info Block ───────────────────────────────── */
.contact-info-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-5);
}

.contact-info-item {
  display: flex;
  gap: var(--space-4);
  align-items: flex-start;
}

.contact-info-item__icon {
  width: 44px;
  height: 44px;
  flex-shrink: 0;
  background: var(--color-primary-light);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-primary);
}

.contact-info-item__body strong {
  display: block;
  font-size: var(--text-sm);
  margin-bottom: var(--space-1);
}

.contact-info-item__body p,
.contact-info-item__body a {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  text-decoration: none;
}

.contact-info-item__body a:hover { color: var(--color-primary); text-decoration: underline; }

/* ── 17. Servicer Reference Cards ─────────────────────────── */
.servicer-card {
  background: var(--color-primary-light);
  border: 1px solid var(--color-primary);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
}

.servicer-card h3 {
  color: var(--color-primary);
  font-size: var(--text-xl);
  margin-bottom: var(--space-4);
}

.servicer-card dl {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: var(--space-2) var(--space-4);
  font-size: var(--text-sm);
}

.servicer-card dt {
  font-weight: var(--weight-semibold);
  color: var(--color-text);
}

.servicer-card dd {
  color: var(--color-text-muted);
}

.servicer-card dd a {
  color: var(--color-primary);
}

/* ── 18. Footer ───────────────────────────────────────────── */
.site-footer {
  background-color: var(--color-brand-dark);
  color: rgba(255,255,255,0.8);
  padding-top: var(--space-16);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: var(--space-10);
  padding-bottom: var(--space-12);
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

.footer-brand p {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.6);
  line-height: var(--leading-relaxed);
  margin-top: var(--space-4);
  max-width: 36ch;
}

.footer-col h4 {
  font-size: var(--text-sm);
  font-weight: var(--weight-semibold);
  color: #fff;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: var(--space-4);
}

.footer-nav {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}

.footer-nav a {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.6);
  text-decoration: none;
  transition: color var(--transition-fast);
}

.footer-nav a:hover { color: #fff; }

.footer-contact p {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.6);
  margin-bottom: var(--space-2);
  display: flex;
  gap: var(--space-2);
  align-items: flex-start;
}

/* Legal disclosure bar */
.footer-legal {
  background: rgba(0,0,0,0.2);
  padding-block: var(--space-6);
  border-top: 1px solid rgba(255,255,255,0.06);
}

.footer-legal-inner {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.footer-legal p {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.5);
  line-height: var(--leading-relaxed);
  max-width: 80ch;
}

.footer-legal .disclosure-highlight {
  font-style: italic;
  color: rgba(255,255,255,0.65);
}

.footer-bottom {
  padding-block: var(--space-4);
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: var(--space-3);
}

.footer-bottom p {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.4);
}

/* ── 19. Page-specific: Consulting ────────────────────────── */
.consulting-package {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: var(--color-surface);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition-base);
}

.consulting-package:hover { box-shadow: var(--shadow-md); }

.consulting-package.featured {
  border-color: var(--color-primary);
  box-shadow: var(--shadow-md);
}

.consulting-package__header {
  padding: var(--space-6);
  background: var(--color-primary-light);
  border-bottom: 1px solid var(--color-border);
}

.consulting-package.featured .consulting-package__header {
  background: var(--color-primary);
  color: #fff;
}

.consulting-package.featured .consulting-package__header h3,
.consulting-package.featured .consulting-package__header p { color: #fff; }

.consulting-package__header h3 { margin-bottom: var(--space-1); }

.consulting-package__header p {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
}

.consulting-package__body {
  padding: var(--space-6);
}

.consulting-package__body ul {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  margin-bottom: var(--space-6);
}

.consulting-package__body li {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  padding-left: var(--space-5);
  position: relative;
}

.consulting-package__body li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--color-success);
  font-weight: var(--weight-bold);
}

/* ── 20. Responsive Breakpoints ───────────────────────────── */
@media (max-width: 1024px) {
  .grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: var(--space-8);
  }
}

@media (max-width: 768px) {
  :root {
    --space-20: 3.5rem;
    --space-24: 4rem;
    --space-16: 3rem;
  }

  h1 { font-size: var(--text-3xl); }
  h2 { font-size: var(--text-2xl); }

  .nav-toggle { display: flex; }

  .primary-nav {
    display: none;
    position: fixed;
    top: var(--header-height);
    left: 0;
    right: 0;
    bottom: 0;
    background: var(--color-surface);
    flex-direction: column;
    align-items: stretch;
    padding: var(--space-6);
    gap: var(--space-2);
    overflow-y: auto;
    border-top: 1px solid var(--color-border);
    z-index: 99;
  }

  .primary-nav.is-open { display: flex; }

  .nav-link {
    padding: var(--space-4);
    font-size: var(--text-base);
  }

  .nav-link--cta { margin-left: 0; text-align: center; }

  .grid-2, .grid-3, .grid-4 {
    grid-template-columns: 1fr;
  }

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

  .hero__actions { flex-direction: column; }
  .hero__actions .btn { width: 100%; justify-content: center; }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: var(--space-8);
  }

  .footer-bottom {
    flex-direction: column;
    text-align: center;
  }

  .footer-brand p { max-width: 100%; }

  .form-section { padding: var(--space-6); }
}

@media (max-width: 480px) {
  .container { padding-inline: var(--space-4); }

  .page-hero h1 { font-size: var(--text-2xl); }

  .btn--lg {
    padding: var(--space-3) var(--space-5);
    font-size: var(--text-base);
  }
}

/* ══════════════════════════════════════════════════════════
   25. Premium Enhancements
   Dark header · Logo image · Playfair Display · Reveal animations
   Scroll-to-top · Enhanced interactions · Hero wave
   ══════════════════════════════════════════════════════════ */

/* ── Playfair Display for headings ─── */
h1, h2, .page-hero h1 {
  font-family: var(--font-serif);
}

/* ── Light header ─── */
.site-header {
  background-color: var(--color-surface);
  border-bottom: 1px solid var(--color-border);
  box-shadow: var(--shadow-sm);
}

.site-header.scrolled {
  background-color: rgba(255,255,255,0.96);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  box-shadow: var(--shadow-md);
}

/* ── Header logo image ─── */
.site-logo__img {
  height: 52px;
  width: auto;
  object-fit: contain;
  display: block;
}

/* ── Nav links re-styled for light header ─── */
.nav-link {
  color: var(--color-primary);
}
.nav-link:hover,
.nav-link.active {
  background-color: var(--color-primary-light);
  color: var(--color-primary-dark);
}
.nav-link--cta {
  background-color: var(--color-accent);
  color: #fff !important;
  border-radius: var(--radius-md);
  transition: background-color var(--transition-fast), box-shadow var(--transition-fast);
}
.nav-link--cta:hover {
  background-color: var(--color-accent-dark) !important;
  color: #fff !important;
  box-shadow: 0 4px 14px rgba(200,136,42,0.4);
}
.nav-toggle__bar {
  background-color: var(--color-text);
}

/* Mobile nav matches light header */
@media (max-width: 768px) {
  .primary-nav {
    background: var(--color-surface);
    border-top: 1px solid var(--color-border);
  }
  .nav-link {
    color: var(--color-primary);
  }
  .nav-link:hover,
  .nav-link.active {
    background-color: var(--color-primary-light);
    color: var(--color-primary-dark);
  }
}

/* ── Footer logo image ─── */
.footer-logo {
  display: block;
  margin-bottom: var(--space-4);
  text-decoration: none;
}
.footer-logo__img {
  height: 46px;
  width: auto;
  object-fit: contain;
  display: block;
  /* Subtle horizontal edge fade into the dark footer */
  mask-image: linear-gradient(
    to right,
    transparent 0%,
    black 8%,
    black 92%,
    transparent 100%
  );
  -webkit-mask-image: linear-gradient(
    to right,
    transparent 0%,
    black 8%,
    black 92%,
    transparent 100%
  );
}

/* ── Enhanced card: accent top border on hover ─── */
.card {
  border-top: 3px solid transparent;
  transition: box-shadow var(--transition-base), transform var(--transition-base),
              border-top-color var(--transition-base);
}
.card:hover {
  border-top-color: var(--color-accent);
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
}

/* ── Option card enhanced ─── */
.option-card {
  transition: box-shadow var(--transition-base), border-color var(--transition-base),
              transform var(--transition-base);
}
.option-card:hover {
  border-color: var(--color-accent);
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

/* ── Consulting package hover ─── */
.consulting-package {
  transition: box-shadow var(--transition-base), transform var(--transition-base);
}
.consulting-package:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-3px);
}

/* ── Stat band: entrance animation ─── */
.highlight-band .grid-4 > div {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 0.5s ease, transform 0.5s ease;
}
.highlight-band .grid-4 > div.stat-visible {
  opacity: 1;
  transform: translateY(0);
}
.highlight-band .stat-number {
  transition: transform 0.2s ease, color 0.2s ease;
}
.highlight-band .grid-4 > div:hover .stat-number {
  transform: scale(1.1);
  color: #fff;
}

/* ── Scroll-reveal base & visible state ─── */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.65s cubic-bezier(.4,0,.2,1),
              transform 0.65s cubic-bezier(.4,0,.2,1);
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}
.reveal-delay-1 { transition-delay: 0.12s; }
.reveal-delay-2 { transition-delay: 0.24s; }
.reveal-delay-3 { transition-delay: 0.36s; }

/* ── Scroll-to-top button ─── */
.scroll-top-btn {
  position: fixed;
  bottom: 2rem;
  right: 2rem;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: var(--color-primary);
  color: #fff;
  border: 2px solid rgba(255,255,255,0.2);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 16px rgba(13,92,122,0.45);
  opacity: 0;
  transform: translateY(14px);
  transition: opacity 0.3s ease, transform 0.3s ease, background-color 0.2s ease;
  z-index: 200;
  pointer-events: none;
}
.scroll-top-btn.visible {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}
.scroll-top-btn:hover {
  background: var(--color-primary-dark);
  box-shadow: 0 6px 22px rgba(13,92,122,0.55);
}

/* ── Hero: subtle animated bottom wave ─── */
/* ⚠️ SVG fill (%23f8f9fa) must stay in sync with --color-bg (#f8f9fa) */
.hero::after {
  content: '';
  position: absolute;
  bottom: -1px;
  left: 0;
  right: 0;
  height: 72px;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 72'%3E%3Cpath fill='%23f8f9fa' fill-opacity='1' d='M0,32L48,37.3C96,43,192,53,288,53.3C384,53,480,43,576,37.3C672,32,768,32,864,37.3C960,43,1056,53,1152,53.3C1248,53,1344,43,1392,37.3L1440,32L1440,72L1392,72C1344,72,1248,72,1152,72C1056,72,960,72,864,72C768,72,672,72,576,72C480,72,384,72,288,72C192,72,96,72,48,72L0,72Z'/%3E%3C/svg%3E") no-repeat bottom center;
  background-size: cover;
  pointer-events: none;
}

/* ── Accent stripe for hero headings ─── */
.hero__accent-stripe {
  display: block;
  width: 56px;
  height: 4px;
  background: linear-gradient(90deg, var(--color-accent), #f0b84a);
  border-radius: 2px;
  margin-bottom: var(--space-5);
}

/* ══════════════════════════════════════════════════════════
   (print and focus styles follow below — do not remove)
   ══════════════════════════════════════════════════════════ */

/* ── 21. Page Transition ──────────────────────────────────── */
@keyframes pageEnter {
  from { opacity: 0; transform: translateY(10px); }
  to   { opacity: 1; transform: translateY(0); }
}

@keyframes pageLeave {
  from { opacity: 1; transform: translateY(0); }
  to   { opacity: 0; transform: translateY(-6px); }
}

body.page-entering {
  animation: pageEnter 0.3s cubic-bezier(.4,0,.2,1) both;
}

body.page-leaving {
  animation: pageLeave 0.2s cubic-bezier(.4,0,.2,1) both;
  pointer-events: none;
}

@media (prefers-reduced-motion: reduce) {
  body.page-entering,
  body.page-leaving { animation: none; }
}

/* ── 23. Spacing & Layout Utilities ──────────────────────── */
.mb-4 { margin-bottom: var(--space-4); }
.mb-6 { margin-bottom: var(--space-6); }
.mb-8 { margin-bottom: var(--space-8); }
.mt-6 { margin-top: var(--space-6); }

.text-lg { font-size: var(--text-lg); }

.flex-center-wrap {
  display: flex;
  gap: var(--space-4);
  justify-content: center;
  flex-wrap: wrap;
}

/* ── 22. Print Styles ─────────────────────────────────────── */
@media print {
  .site-header,
  .nav-toggle,
  .hero__actions,
  .site-footer .footer-grid {
    display: none;
  }

  body { font-size: 12pt; color: #000; }

  .footer-legal { border-top: 1pt solid #000; }
  .footer-legal p { color: #333; }
}

/* ── 23. Focus Styles (Accessibility) ─────────────────────── */
:focus-visible {
  outline: 3px solid var(--color-accent);
  outline-offset: 2px;
}

/* ── 24. Utility: Visually Hidden (Screen-reader only) ─────── */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border-width: 0;
}