/* ==========================================================
   SECOND OPINION — Global Stylesheet
   Palette: Navy (#0f2b5b) · Steel Blue (#1e4a8a) · Teal (#0d9488)
            · Gold (#c8963e) · Soft white (#f8fafc)
   ========================================================== */

/* ── RESET & TOKENS ───────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
    --navy:        #0f2b5b;
    --navy-dark:   #091d40;
    --navy-mid:    #1e4a8a;
    --teal:        #0d9488;
    --teal-dark:   #0f766e;
    --teal-light:  #ccfbf1;
    --gold:        #c8963e;
    --gold-light:  #fef3c7;
    --red:         #dc2626;
    --green:       #16a34a;
    --text:        #0f172a;
    --text-soft:   #334155;
    --text-muted:  #64748b;
    --border:      #e2e8f0;
    --border-mid:  #cbd5e1;
    --bg-page:     #f8fafc;
    --bg-card:     #ffffff;
    --bg-soft:     #f1f5f9;
    --shadow-sm:   0 2px 8px rgba(15,43,91,.06);
    --shadow-md:   0 8px 24px rgba(15,43,91,.10);
    --shadow-lg:   0 20px 48px rgba(15,43,91,.13);
    --radius-sm:   8px;
    --radius-md:   12px;
    --radius-lg:   16px;
    --radius-xl:   22px;
    --font-body:   'Inter', system-ui, sans-serif;
    --font-display:'Lora', Georgia, serif;
    --ease:        .24s ease;
    --nav-h:       72px;
}

html { scroll-behavior: smooth; }
body {
    font-family: var(--font-body);
    background: var(--bg-page);
    color: var(--text);
    line-height: 1.6;
    padding-top: calc(var(--nav-h) + 38px); /* nav + topbar */
}
a   { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }

/* ── TOPBAR ──────────────────────────────────────────────── */
.topbar {
    position: fixed; top: 0; left: 0; right: 0; z-index: 1100;
    background: var(--navy-dark);
    padding: 8px 0;
}
.topbar-inner {
    display: flex; align-items: center;
    justify-content: space-between;
    flex-wrap: wrap; gap: 8px;
}
.topbar-left, .topbar-right {
    display: flex; align-items: center; gap: 20px; flex-wrap: wrap;
}
.topbar-left span, .topbar-right span {
    font-size: 12px; color: rgba(255,255,255,.75);
    display: flex; align-items: center; gap: 6px;
}
.topbar-left span i, .topbar-right span i { color: var(--teal); }
.topbar-badge {
    background: var(--teal); color: #fff !important;
    padding: 3px 10px; border-radius: 999px;
    font-size: 11px !important; font-weight: 600;
}

/* ── NAVBAR ──────────────────────────────────────────────── */
.navbar {
    position: fixed; top: 38px; left: 0; right: 0; z-index: 1000;
    height: var(--nav-h);
    background: rgba(255,255,255,.97);
    border-bottom: 1px solid var(--border);
    backdrop-filter: blur(10px);
    transition: box-shadow var(--ease);
}
.navbar.scrolled { box-shadow: var(--shadow-md); }

.navbar-inner {
    height: 100%;
    display: flex; align-items: center;
    justify-content: space-between; gap: 24px;
}

.navbar-brand {
    display: flex; align-items: center; gap: 12px; flex-shrink: 0;
}
.navbar-logo-icon {
    width: 42px; height: 42px; border-radius: 10px;
    background: var(--navy);
    display: flex; align-items: center; justify-content: center;
    color: #fff; font-size: 18px;
}
.navbar-logo-text { display: flex; flex-direction: column; line-height: 1.15; }
.navbar-logo-primary { font-size: 17px; font-weight: 600; color: var(--navy); }
.navbar-logo-primary strong { font-weight: 800; }
.navbar-logo-sub { font-size: 10.5px; color: var(--text-muted); letter-spacing: .04em; text-transform: uppercase; }

.navbar-nav {
    display: flex; align-items: center; gap: 4px;
}
.nav-link {
    padding: 8px 14px; border-radius: var(--radius-sm);
    font-size: 14px; font-weight: 500; color: var(--text-soft);
    transition: background var(--ease), color var(--ease);
}
.nav-link:hover, .nav-link.active {
    background: var(--bg-soft); color: var(--navy);
}
.nav-link.active { font-weight: 600; }

.nav-cta-btn {
    display: inline-flex; align-items: center; gap: 8px;
    padding: 10px 20px; border-radius: 999px;
    background: var(--navy); color: #fff;
    font-size: 13.5px; font-weight: 700;
    transition: background var(--ease), transform var(--ease);
    margin-left: 8px;
}
.nav-cta-btn:hover { background: var(--navy-mid); transform: translateY(-1px); }

.navbar-toggle {
    display: none; flex-direction: column; gap: 5px;
    background: none; border: none; cursor: pointer; padding: 6px;
}
.navbar-toggle span {
    display: block; width: 24px; height: 2px;
    background: var(--text); border-radius: 2px;
    transition: transform .3s ease, opacity .3s ease;
}
.navbar-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.navbar-toggle.open span:nth-child(2) { opacity: 0; }
.navbar-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ── SECTION SHARED ──────────────────────────────────────── */
.section { padding: 80px 24px; }
.section-sm { padding: 52px 24px; }

.section-tag {
    display: inline-flex; align-items: center; gap: 8px;
    font-size: 12px; font-weight: 700; letter-spacing: .12em;
    text-transform: uppercase; color: var(--teal);
    margin-bottom: 14px;
}
.section-tag::before {
    content: ''; width: 24px; height: 2px;
    background: var(--teal); border-radius: 2px;
}
.section-tag.gold { color: var(--gold); }
.section-tag.gold::before { background: var(--gold); }

.section-title {
    font-family: var(--font-display);
    font-size: clamp(26px, 4vw, 40px);
    font-weight: 700; color: var(--text); line-height: 1.2;
}
.section-title em  { font-style: italic; color: var(--teal); }
.section-title .gold-em { color: var(--gold); font-style: italic; }
.section-lead { color: var(--text-muted); font-size: 15.5px; margin-top: 12px; line-height: 1.75; }

.section-header { margin-bottom: 52px; }
.section-header.centered { text-align: center; max-width: 660px; margin-left: auto; margin-right: auto; margin-bottom: 52px; }
.section-header.centered .section-tag { justify-content: center; }
.section-header.centered .section-tag::before { display: none; }

/* ── BUTTONS ─────────────────────────────────────────────── */
.btn {
    display: inline-flex; align-items: center; gap: 9px;
    padding: 14px 28px; border-radius: 999px;
    font-family: var(--font-body); font-size: 14.5px; font-weight: 700;
    cursor: pointer; border: none;
    transition: transform var(--ease), box-shadow var(--ease), background var(--ease);
    text-decoration: none;
}
.btn:hover { transform: translateY(-2px); }
.btn-navy   { background: var(--navy); color: #fff; }
.btn-navy:hover   { background: var(--navy-mid); box-shadow: 0 8px 24px rgba(15,43,91,.25); }
.btn-teal   { background: var(--teal); color: #fff; }
.btn-teal:hover   { background: var(--teal-dark); box-shadow: 0 8px 24px rgba(13,148,136,.25); }
.btn-gold   { background: var(--gold); color: #fff; }
.btn-gold:hover   { background: #b07c2c; box-shadow: 0 8px 24px rgba(200,150,62,.28); }
.btn-outline-navy { border: 1.5px solid var(--navy); color: var(--navy); background: transparent; }
.btn-outline-navy:hover { background: var(--navy); color: #fff; }
.btn-outline-white { border: 1.5px solid rgba(255,255,255,.45); color: #fff; background: transparent; }
.btn-outline-white:hover { background: rgba(255,255,255,.1); }
.btn-sm { padding: 10px 20px; font-size: 13.5px; }
.btn-lg { padding: 17px 36px; font-size: 16px; }

/* ── BADGE / CHIP ─────────────────────────────────────────── */
.chip {
    display: inline-flex; align-items: center; gap: 7px;
    padding: 6px 14px; border-radius: 999px;
    font-size: 12px; font-weight: 600;
}
.chip-teal { background: var(--teal-light); color: var(--teal-dark); border: 1px solid rgba(13,148,136,.2); }
.chip-navy { background: #e8eef8; color: var(--navy); border: 1px solid rgba(15,43,91,.15); }
.chip-gold { background: var(--gold-light); color: #92400e; border: 1px solid rgba(200,150,62,.25); }

/* ── ALERT ───────────────────────────────────────────────── */
.alert {
    padding: 14px 18px; border-radius: var(--radius-md);
    font-size: 14px; font-weight: 500;
    display: flex; align-items: flex-start; gap: 10px;
    margin-bottom: 20px;
}
.alert-success { background: #f0fdf4; border: 1px solid #86efac; color: #166534; }
.alert-error   { background: #fef2f2; border: 1px solid #fca5a5; color: #991b1b; }
.alert i { flex-shrink: 0; margin-top: 2px; }

/* ── FORM ELEMENTS ───────────────────────────────────────── */
.form-group { margin-bottom: 20px; }
.form-group label {
    display: block; margin-bottom: 8px;
    font-size: 13px; font-weight: 600; color: var(--text-soft);
    letter-spacing: .02em;
}
.form-group label .req { color: var(--red); margin-left: 3px; }

.form-control {
    width: 100%;
    background: var(--bg-card);
    border: 1.5px solid var(--border-mid);
    border-radius: var(--radius-md);
    padding: 13px 16px;
    font-family: var(--font-body);
    font-size: 15px; color: var(--text);
    outline: none;
    transition: border-color var(--ease), box-shadow var(--ease);
    appearance: none;
}
.form-control::placeholder { color: var(--text-muted); }
.form-control:focus {
    border-color: var(--teal);
    box-shadow: 0 0 0 3px rgba(13,148,136,.12);
}
.form-control.error { border-color: var(--red); }

textarea.form-control { resize: vertical; min-height: 130px; }

select.form-control {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='none'%3E%3Cpath d='M5 7l5 5 5-5' stroke='%2364748b' stroke-width='1.5' stroke-linecap='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 14px center;
    background-size: 18px;
    padding-right: 40px; cursor: pointer;
}
select.form-control option { background: #fff; }

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

/* ── ICON BOX ────────────────────────────────────────────── */
.icon-box {
    width: 52px; height: 52px; border-radius: 14px;
    display: flex; align-items: center; justify-content: center;
    font-size: 22px; flex-shrink: 0;
}
.icon-box-navy  { background: #e8eef8; color: var(--navy); }
.icon-box-teal  { background: var(--teal-light); color: var(--teal); }
.icon-box-gold  { background: var(--gold-light); color: var(--gold); }
.icon-box-lg { width: 64px; height: 64px; border-radius: 18px; font-size: 28px; }

/* ── CARDS ───────────────────────────────────────────────── */
.card {
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: var(--radius-xl);
    padding: 32px;
    transition: transform var(--ease), box-shadow var(--ease), border-color var(--ease);
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.card-sm { padding: 22px; border-radius: var(--radius-lg); }

/* ── FOOTER ──────────────────────────────────────────────── */
.site-footer { background: var(--navy-dark); color: #fff; }

.footer-top { padding: 64px 24px; }
.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1.4fr;
    gap: 48px;
}

.footer-brand { display: flex; align-items: center; gap: 12px; margin-bottom: 18px; }
.footer-logo-icon {
    width: 42px; height: 42px; border-radius: 10px;
    background: rgba(255,255,255,.1);
    display: flex; align-items: center; justify-content: center;
    color: var(--teal); font-size: 18px;
}
.footer-logo-primary { display: block; font-size: 18px; font-weight: 600; color: #fff; }
.footer-logo-primary strong { font-weight: 800; }
.footer-logo-sub { display: block; font-size: 10.5px; color: rgba(255,255,255,.45); letter-spacing: .06em; text-transform: uppercase; }

.footer-about { font-size: 13.5px; color: rgba(255,255,255,.6); line-height: 1.8; margin-bottom: 20px; }

.footer-compliance { display: flex; flex-wrap: wrap; gap: 10px; }
.compliance-badge {
    display: inline-flex; align-items: center; gap: 6px;
    padding: 5px 12px; border-radius: 999px;
    background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.12);
    font-size: 11.5px; font-weight: 600; color: rgba(255,255,255,.75);
}
.compliance-badge i { color: var(--teal); }

.footer-heading { font-size: 13px; font-weight: 700; color: #fff; letter-spacing: .08em; text-transform: uppercase; margin-bottom: 18px; }

.footer-links { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-links li a { font-size: 14px; color: rgba(255,255,255,.6); transition: color var(--ease); }
.footer-links li a:hover { color: var(--teal); }

.footer-contact-item {
    display: flex; align-items: flex-start; gap: 10px;
    font-size: 13.5px; color: rgba(255,255,255,.65);
    margin-bottom: 12px;
}
.footer-contact-item i { color: var(--teal); margin-top: 2px; flex-shrink: 0; }
.footer-contact-item a { color: rgba(255,255,255,.65); }
.footer-contact-item a:hover { color: var(--teal); }

.footer-cta-btn {
    display: inline-flex; align-items: center; gap: 8px;
    margin-top: 10px; padding: 12px 22px; border-radius: 999px;
    background: var(--teal); color: #fff;
    font-size: 13.5px; font-weight: 700;
    transition: background var(--ease);
}
.footer-cta-btn:hover { background: var(--teal-dark); }

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,.08);
    padding: 20px 24px;
}
.footer-bottom-inner {
    max-width: 1200px; margin: 0 auto;
    display: flex; gap: 20px; flex-wrap: wrap; justify-content: space-between;
    align-items: flex-start;
}
.footer-bottom p { font-size: 12.5px; color: rgba(255,255,255,.4); line-height: 1.6; max-width: 640px; }
.footer-bottom p:first-child { flex-shrink: 0; }

/* ── RESPONSIVE ──────────────────────────────────────────── */
@media (max-width: 1024px) {
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
    .footer-col:first-child { grid-column: 1 / -1; }
}

@media (max-width: 768px) {
    body { padding-top: calc(var(--nav-h) + 34px); }
    .topbar-right .topbar-badge { display: none; }
    .navbar-nav { display: none; flex-direction: column; position: absolute; top: var(--nav-h); left: 0; right: 0; background: #fff; border-bottom: 1px solid var(--border); padding: 16px; gap: 4px; box-shadow: var(--shadow-md); }
    .navbar-nav.open { display: flex; }
    .navbar-toggle { display: flex; }
    .nav-cta-btn { margin-left: 0; width: 100%; justify-content: center; border-radius: var(--radius-md); }
    .form-row { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr; gap: 28px; }
    .footer-col:first-child { grid-column: auto; }
    .footer-bottom-inner { flex-direction: column; }
}

@media (max-width: 480px) {
    .section { padding: 56px 20px; }
    .section-sm { padding: 36px 20px; }
}