/* ============================================================
   NTIB Finance & Consulting — Global Stylesheet
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,400;0,500;0,600;0,700;1,400;1,500&family=DM+Sans:wght@300;400;500;600&display=swap');

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

:root {
  --navy:        #0d1e35;
  --navy-light:  #142745;
  --navy-dark:   #08131f;
  --gold:        #c49a3c;
  --gold-light:  #e8c56d;
  --gold-pale:   #f9f3e3;
  --gold-border: #e8d9b5;
  --cream:       #fdfaf4;
  --cream-dark:  #f5efe0;
  --white:       #ffffff;
  --text:        #1a2940;
  --text-muted:  #5a6a7e;
  --text-light:  #8a9ab0;
  --border:      #ddd5c4;
  --success:     #2d6a4f;
  --teal:        #3dbdb5;
  --teal-light:  #5dd5cd;
  --orange:      #e8441a;
  --radius:      4px;
  --radius-lg:   10px;
  --radius-xl:   18px;
  --shadow-sm:   0 2px 8px rgba(13,30,53,0.08);
  --shadow-md:   0 6px 24px rgba(13,30,53,0.12);
  --shadow-lg:   0 16px 48px rgba(13,30,53,0.16);
  --transition:  0.25s ease;
  --max-width:   1120px;
  --nav-height:  72px;
}

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

body {
  font-family: 'DM Sans', sans-serif;
  background: var(--cream);
  color: var(--text);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

/* ── TYPOGRAPHY ── */
h1, h2, h3, h4, h5 {
  font-family: 'Cormorant Garamond', serif;
  line-height: 1.15;
  color: var(--navy);
}
h1 { font-size: clamp(2.4rem, 5vw, 3.8rem); font-weight: 600; }
h2 { font-size: clamp(1.9rem, 3.5vw, 2.8rem); font-weight: 500; }
h3 { font-size: clamp(1.4rem, 2.5vw, 1.9rem); font-weight: 500; }
h4 { font-size: 1.25rem; font-weight: 500; }
h5 { font-size: 1.05rem; font-weight: 500; }
p  { font-size: 15.5px; line-height: 1.75; color: var(--text-muted); }
a  { color: var(--gold); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--gold-light); }
img { max-width: 100%; display: block; }
strong { font-weight: 600; color: var(--text); }

.eyebrow {
  font-family: 'DM Sans', sans-serif;
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 1rem;
}
.eyebrow::before, .eyebrow::after {
  content: '';
  width: 32px;
  height: 1px;
  background: var(--gold);
  opacity: 0.5;
  flex-shrink: 0;
}
.eyebrow.left::before { display: none; }
.eyebrow.right::after { display: none; }

/* ── LAYOUT ── */
.container { max-width: var(--max-width); margin: 0 auto; padding: 0 2rem; }
.section { padding: 6rem 0; }
.section-sm { padding: 4rem 0; }
.section-lg { padding: 8rem 0; }

/* ── BUTTONS ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 28px;
  font-family: 'DM Sans', sans-serif;
  font-size: 13.5px;
  font-weight: 500;
  letter-spacing: 0.05em;
  border-radius: var(--radius);
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: all var(--transition);
  text-decoration: none;
  white-space: nowrap;
}
.btn svg { width: 15px; height: 15px; flex-shrink: 0; }
.btn-primary { background: var(--gold); color: var(--navy); border-color: var(--gold); }
.btn-primary:hover { background: var(--gold-light); border-color: var(--gold-light); color: var(--navy); }
.btn-outline { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.4); }
.btn-outline:hover { background: rgba(255,255,255,0.1); border-color: var(--white); color: var(--white); }
.btn-outline-dark { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline-dark:hover { background: var(--navy); color: var(--white); }
.btn-lg { padding: 15px 36px; font-size: 14.5px; }

/* ── NAVBAR ── */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  height: var(--nav-height);
  background: rgba(13,30,53,0.97);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(196,154,60,0.15);
  transition: all var(--transition);
}
.navbar.scrolled {
  background: rgba(8,19,31,0.98);
  box-shadow: 0 4px 24px rgba(0,0,0,0.25);
}
.navbar-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 2rem;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
}
.navbar-logo img { height: 50px; width: auto; }
.navbar-logo .logo-text {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.35rem;
  font-weight: 600;
  color: var(--white);
  letter-spacing: 0.02em;
}
.navbar-logo .logo-text span { color: var(--gold); }
.navbar-nav {
  display: flex;
  align-items: center;
  gap: 0;
  list-style: none;
}
.navbar-nav li { position: relative; }
.navbar-nav a {
  display: flex;
  align-items: center;
  gap: 5px;
  padding: 8px 14px;
  font-size: 13px;
  font-weight: 400;
  color: rgba(255,255,255,0.8);
  letter-spacing: 0.02em;
  transition: color var(--transition);
  white-space: nowrap;
}
.navbar-nav a:hover, .navbar-nav a.active { color: var(--gold); }
.navbar-nav a svg { width: 11px; height: 11px; transition: transform var(--transition); }
.navbar-nav li:hover > a svg { transform: rotate(180deg); }

/* Dropdown */
.navbar-nav .dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 220px;
  background: var(--navy-dark);
  border: 1px solid rgba(196,154,60,0.2);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: all var(--transition);
  list-style: none;
  padding: 6px 0;
}
.navbar-nav li:hover .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.navbar-nav .dropdown a {
  padding: 9px 18px;
  font-size: 13px;
  color: rgba(255,255,255,0.75);
  border-radius: 0;
}
.navbar-nav .dropdown a:hover { color: var(--gold); background: rgba(196,154,60,0.07); }

.navbar-cta { margin-left: 1rem; }

/* Mobile hamburger */
.navbar-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.navbar-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--transition);
}

/* ── MOBILE NAV ── */
.mobile-nav {
  display: none;
  position: fixed;
  top: var(--nav-height);
  left: 0; right: 0;
  background: var(--navy-dark);
  border-top: 1px solid rgba(196,154,60,0.15);
  z-index: 999;
  padding: 1.5rem 2rem 2rem;
  flex-direction: column;
  gap: 4px;
  max-height: calc(100vh - var(--nav-height));
  overflow-y: auto;
}
.mobile-nav.open { display: flex; }
.mobile-nav a {
  padding: 11px 0;
  font-size: 15px;
  color: rgba(255,255,255,0.85);
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.mobile-nav a:hover { color: var(--gold); }
.mobile-nav .sub { padding-left: 1.25rem; font-size: 13.5px; color: rgba(255,255,255,0.6); }
.mobile-nav .btn { margin-top: 1rem; width: 100%; justify-content: center; }

/* ── HERO BASE ── */
.hero {
  min-height: 100vh;
  background: var(--navy);
  position: relative;
  overflow: hidden;
  display: flex;
  align-items: center;
  padding-top: var(--nav-height);
}
.hero-bg {
  position: absolute;
  inset: 0;
  background:
    repeating-linear-gradient(45deg, transparent, transparent 60px, rgba(196,154,60,0.025) 60px, rgba(196,154,60,0.025) 61px),
    radial-gradient(ellipse 80% 60% at 70% 50%, rgba(196,154,60,0.07) 0%, transparent 65%),
    radial-gradient(ellipse 50% 80% at 20% 30%, rgba(20,39,69,0.9) 0%, transparent 70%);
}
.hero-content { position: relative; z-index: 1; }

/* ── PAGE HEADER (inner pages) ── */
.page-header {
  background: var(--navy);
  padding: calc(var(--nav-height) + 4rem) 0 4rem;
  position: relative;
  overflow: hidden;
}
.page-header::before {
  content: '';
  position: absolute;
  inset: 0;
  background: repeating-linear-gradient(45deg,transparent,transparent 40px,rgba(196,154,60,0.04) 40px,rgba(196,154,60,0.04) 41px);
}
.page-header .container { position: relative; }
.page-header h1 { color: var(--white); margin-bottom: 1rem; }
.page-header p { color: rgba(255,255,255,0.65); max-width: 580px; font-size: 16px; }

/* ── GOLD STRIP ── */
.gold-strip {
  background: var(--gold);
  display: flex;
  justify-content: center;
  gap: 2.5rem;
  padding: 0.9rem 2rem;
  flex-wrap: wrap;
}
.gold-strip a {
  color: var(--navy);
  font-size: 13.5px;
  font-weight: 500;
  display: flex;
  align-items: center;
  gap: 7px;
  transition: opacity var(--transition);
  text-decoration: none;
}
.gold-strip a:hover { opacity: 0.75; }
.gold-strip svg { width: 15px; height: 15px; flex-shrink: 0; }

/* ── CARDS ── */
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: transform var(--transition), box-shadow var(--transition);
}
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.card-body { padding: 1.75rem; }
.card-header { background: var(--navy); padding: 1.25rem 1.75rem; }
.card-header h3 { font-family: 'Cormorant Garamond', serif; color: var(--white); font-size: 1.2rem; }

/* ── DIVIDERS ── */
.divider {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin: 2rem 0;
  color: var(--gold);
}
.divider::before, .divider::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--border);
}

/* ── STATS ── */
.stat-number {
  font-family: 'Cormorant Garamond', serif;
  font-size: 3rem;
  font-weight: 600;
  color: var(--gold);
  line-height: 1;
}
.stat-label { font-size: 13px; color: var(--text-muted); margin-top: 4px; text-transform: uppercase; letter-spacing: 0.08em; }

/* ── PROCESS STEPS ── */
.process-step {
  display: flex;
  gap: 1.5rem;
  align-items: flex-start;
  padding: 1.75rem;
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  transition: border-color var(--transition), box-shadow var(--transition);
}
.process-step:hover { border-color: var(--gold); box-shadow: var(--shadow-sm); }
.process-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 2.5rem;
  font-weight: 600;
  color: var(--gold);
  line-height: 1;
  flex-shrink: 0;
  width: 48px;
}

/* ── FOOTER ── */
.footer {
  background: var(--navy-dark);
  padding: 5rem 0 0;
  border-top: 1px solid rgba(196,154,60,0.15);
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 3rem;
  padding-bottom: 3rem;
}
.footer-brand .logo-text {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.5rem;
  font-weight: 600;
  color: var(--white);
  margin-bottom: 1rem;
  display: block;
}
.footer-brand .logo-text span { color: var(--gold); }
.footer-brand p { font-size: 13.5px; color: rgba(255,255,255,0.5); line-height: 1.7; max-width: 280px; }
.footer h4 {
  font-family: 'DM Sans', sans-serif;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.25rem;
}
.footer-links { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.footer-links a { font-size: 13.5px; color: rgba(255,255,255,0.6); transition: color var(--transition); }
.footer-links a:hover { color: var(--gold); }
.footer-contact { display: flex; flex-direction: column; gap: 10px; }
.footer-contact a {
  font-size: 13.5px;
  color: rgba(255,255,255,0.6);
  display: flex;
  align-items: center;
  gap: 8px;
  transition: color var(--transition);
}
.footer-contact a:hover { color: var(--gold); }
.footer-contact svg { width: 14px; height: 14px; flex-shrink: 0; }
.footer-social { display: flex; gap: 10px; margin-top: 1rem; }
.footer-social a {
  width: 34px; height: 34px;
  background: rgba(255,255,255,0.07);
  border-radius: 6px;
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.6);
  transition: all var(--transition);
}
.footer-social a:hover { background: var(--gold); color: var(--navy); }
.footer-social svg { width: 15px; height: 15px; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.07);
  padding: 1.5rem 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
}
.footer-bottom p { font-size: 12px; color: rgba(255,255,255,0.35); }
.footer-bottom a { color: rgba(255,255,255,0.35); font-size: 12px; }
.footer-bottom a:hover { color: var(--gold); }
.footer-disclaimer {
  border-top: 1px solid rgba(255,255,255,0.06);
  padding: 1.5rem 0;
  font-size: 11.5px;
  color: rgba(255,255,255,0.25);
  line-height: 1.65;
}

/* ── UTILITIES ── */
.text-gold { color: var(--gold); }
.text-white { color: var(--white); }
.text-muted { color: var(--text-muted); }
.text-center { text-align: center; }
.text-left { text-align: left; }
.bg-navy { background: var(--navy); }
.bg-cream { background: var(--cream); }
.bg-white { background: var(--white); }
.bg-dark { background: var(--navy-dark); }
.mt-1 { margin-top: 0.5rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mt-4 { margin-top: 2rem; }
.mb-1 { margin-bottom: 0.5rem; }
.mb-2 { margin-bottom: 1rem; }
.mb-3 { margin-bottom: 1.5rem; }
.mb-4 { margin-bottom: 2rem; }
.grid-2 { display: grid; grid-template-columns: repeat(2,1fr); gap: 2rem; }
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 2rem; }
.grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: 1.5rem; }
.flex { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.gap-1 { gap: 0.5rem; }
.gap-2 { gap: 1rem; }
.gap-3 { gap: 1.5rem; }

/* ── ANIMATIONS ── */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(24px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes fadeIn {
  from { opacity: 0; }
  to   { opacity: 1; }
}
.animate-up { animation: fadeUp 0.7s ease forwards; }
.animate-in { animation: fadeIn 0.6s ease forwards; }
.delay-1 { animation-delay: 0.1s; opacity: 0; }
.delay-2 { animation-delay: 0.2s; opacity: 0; }
.delay-3 { animation-delay: 0.3s; opacity: 0; }
.delay-4 { animation-delay: 0.4s; opacity: 0; }
.delay-5 { animation-delay: 0.5s; opacity: 0; }

/* ── RESPONSIVE ── */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .grid-4 { grid-template-columns: repeat(2,1fr); }
}
@media (max-width: 768px) {
  :root { --nav-height: 64px; }
  .navbar-nav, .navbar-cta { display: none; }
  .navbar-toggle { display: flex; }
  .grid-2, .grid-3 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .gold-strip { gap: 1rem; }
  .container { padding: 0 1.25rem; }
  .section { padding: 4rem 0; }
  .hero { min-height: auto; padding: 7rem 0 5rem; }
}
@media (max-width: 480px) {
  .grid-4 { grid-template-columns: 1fr; }
  .btn-lg { padding: 13px 24px; }
}