/* ==========================================================================
   J&P Financial Services Ltd — Production Stylesheet
   Art Direction: Professional & B2B Services — Variant A (Editorial Authority)
   Locality: The Royal Town of Sutton Coldfield, West Midlands, UK
   Established 1992 | FCA Regulated #708386
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. Design Tokens & Custom Properties
   -------------------------------------------------------------------------- */
:root {
  /* Exact Brand Palette from design_brief.json */
  --bg: #fbfaf7;
  --surface: #ffffff;
  --text: #141824;
  --muted: #4e5668;
  --primary: #18224b;
  --primary-text: #ffffff;
  --accent: #d99b00;
  --accent-ink: #8a6100;
  --accent-hover: #b88300;
  --accent-light: #fdf5e6;
  --dark: #0c1022;
  --dark-text: #ffffff;
  --hero-bg: #121936;
  --hero-text: #ffffff;

  /* UI Borders & Accents */
  --border: rgba(24, 34, 75, 0.12);
  --border-subtle: rgba(24, 34, 75, 0.06);
  --border-dark: rgba(255, 255, 255, 0.12);
  --surface-alt: #f4f2ec;
  --surface-tint: #edf1f8;
  --shadow-sm: 0 2px 6px rgba(12, 16, 34, 0.05);
  --shadow-md: 0 6px 18px rgba(12, 16, 34, 0.08);
  --shadow-lg: 0 16px 36px rgba(12, 16, 34, 0.12);

  /* Typography Families */
  --font-display: 'Newsreader', Georgia, 'Times New Roman', serif;
  --font-body: 'Public Sans', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;

  /* Fluid Modular Type Scale */
  --step--1: clamp(0.8125rem, 0.78rem + 0.16vw, 0.875rem);
  --step-0: clamp(1rem, 0.95rem + 0.25vw, 1.125rem);
  --step-1: clamp(1.1875rem, 1.1rem + 0.44vw, 1.375rem);
  --step-2: clamp(1.4375rem, 1.3rem + 0.69vw, 1.75rem);
  --step-3: clamp(1.75rem, 1.52rem + 1.15vw, 2.25rem);
  --step-4: clamp(2.125rem, 1.78rem + 1.72vw, 3rem);
  --step-5: clamp(2.625rem, 2.08rem + 2.73vw, 4rem);

  /* Spatial Scale */
  --space-3xs: 0.25rem;
  --space-2xs: 0.5rem;
  --space-xs: 0.75rem;
  --space-sm: 1rem;
  --space-md: 1.5rem;
  --space-lg: 2rem;
  --space-xl: 3rem;
  --space-2xl: 4.5rem;
  --space-3xl: 6rem;

  /* Border Radii */
  --radius-sm: 4px;
  --radius-md: 8px;
  --radius-lg: 12px;
  --radius-full: 9999px;

  /* Layout Container */
  --container-max: 1240px;
  --container-wide: 1360px;
  --header-height-mobile: 60px;
  --header-height-desktop: 76px;
}

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

html {
  font-family: var(--font-body);
  font-size: 100%;
  line-height: 1.6;
  color: var(--text);
  background-color: var(--bg);
  scroll-behavior: smooth;
  overflow-x: clip; /* Prevent horizontal scroll without breaking sticky positioning */
  -webkit-text-size-adjust: 100%;
}

body {
  margin: 0;
  background-color: var(--bg);
  color: var(--text);
  font-family: var(--font-body);
  font-size: var(--step-0);
  line-height: 1.65;
  overflow-x: clip;
  display: flex;
  flex-direction: column;
  min-height: 100vh;
}

/* Accessible focus ring */
:focus-visible {
  outline: 3px solid var(--accent);
  outline-offset: 3px;
}

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

input, button, textarea, select {
  font: inherit;
  color: inherit;
}

a {
  color: var(--primary);
  text-decoration: underline;
  text-decoration-thickness: 1px;
  text-underline-offset: 3px;
  transition: color 0.2s ease, text-decoration-color 0.2s ease;
}

a:hover {
  color: var(--accent-ink);
}

/* --------------------------------------------------------------------------
   3. Typography & Headings (Editorial Gravitas)
   -------------------------------------------------------------------------- */
h1, h2, h3, h4, .font-serif {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.2;
  color: var(--primary);
  text-wrap: balance;
}

h1 {
  font-size: var(--step-5);
  letter-spacing: -0.02em;
}

h2 {
  font-size: var(--step-4);
  letter-spacing: -0.015em;
  margin-bottom: var(--space-sm);
}

h3 {
  font-size: var(--step-2);
  line-height: 1.28;
  margin-bottom: var(--space-xs);
}

h4 {
  font-size: var(--step-1);
  line-height: 1.35;
}

p {
  margin-bottom: var(--space-sm);
  color: var(--muted);
}

p.lead {
  font-size: var(--step-1);
  line-height: 1.55;
  color: var(--text);
  font-weight: 400;
}

.kicker {
  display: inline-block;
  font-family: var(--font-body);
  font-size: var(--step--1);
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--accent-ink);
  margin-bottom: var(--space-xs);
}

.kicker.kicker-light {
  color: #f1bf42;
}

/* --------------------------------------------------------------------------
   4. Layout Containers & Utility Classes
   -------------------------------------------------------------------------- */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin-inline: auto;
  padding-inline: clamp(1rem, 4vw, 2rem);
}

.container-wide {
  width: 100%;
  max-width: var(--container-wide);
  margin-inline: auto;
  padding-inline: clamp(1rem, 4vw, 2rem);
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.skip-link {
  position: absolute;
  top: -999px;
  inset-inline-start: 1rem;
  z-index: 9999;
  padding: 0.75rem 1.25rem;
  background: var(--accent);
  color: #0c1022;
  font-weight: 700;
  text-decoration: none;
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-md);
  transition: top 0.2s ease;
}

.skip-link:focus {
  top: 1rem;
}

/* Section Rhythm */
.section {
  padding-block: clamp(3rem, 6vw, 5.5rem);
  position: relative;
}

.section-hero {
  padding-block-start: clamp(2rem, 5vw, 4rem);
  padding-block-end: clamp(3rem, 6vw, 5rem);
}

.section-condensed {
  padding-block: clamp(2rem, 4vw, 3rem);
}

/* Full Width Color Bands */
.band-dark {
  background-color: var(--dark);
  color: var(--dark-text);
}

.band-dark p {
  color: rgba(255, 255, 255, 0.75);
}

.band-dark h1, .band-dark h2, .band-dark h3, .band-dark h4 {
  color: #ffffff;
}

.band-primary {
  background-color: var(--primary);
  color: var(--primary-text);
}

.band-primary p {
  color: rgba(255, 255, 255, 0.8);
}

.band-primary h1, .band-primary h2, .band-primary h3, .band-primary h4 {
  color: #ffffff;
}

.band-surface {
  background-color: var(--surface);
}

.band-alt {
  background-color: var(--surface-alt);
}

/* --------------------------------------------------------------------------
   5. Buttons & Interactive Links
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.75rem 1.5rem;
  font-family: var(--font-body);
  font-size: var(--step--1);
  font-weight: 600;
  line-height: 1.2;
  text-decoration: none;
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: background-color 0.2s ease, color 0.2s ease, border-color 0.2s ease, transform 0.15s ease, box-shadow 0.2s ease;
  min-height: 48px;
  min-width: 48px;
  border: 1px solid transparent;
}

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

.btn-primary {
  background-color: var(--accent);
  color: #0c1022;
  border-color: var(--accent);
  box-shadow: 0 2px 8px rgba(217, 155, 0, 0.25);
}

.btn-primary:hover {
  background-color: var(--accent-hover);
  border-color: var(--accent-hover);
  color: #ffffff;
}

.btn-secondary {
  background-color: transparent;
  color: #ffffff;
  border-color: rgba(255, 255, 255, 0.4);
}

.btn-secondary:hover {
  background-color: rgba(255, 255, 255, 0.12);
  border-color: #ffffff;
  color: #ffffff;
}

.btn-outline {
  background-color: transparent;
  color: var(--primary);
  border-color: var(--primary);
}

.btn-outline:hover {
  background-color: var(--primary);
  color: #ffffff;
}

.btn-group {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  align-items: center;
}

/* --------------------------------------------------------------------------
   6. Top Bar (Non-Sticky, Contact & Heritage)
   -------------------------------------------------------------------------- */
.top-bar {
  background-color: var(--dark);
  color: rgba(255, 255, 255, 0.85);
  font-size: var(--step--1);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  height: 36px;
  display: flex;
  align-items: center;
}

@media (min-width: 768px) {
  .top-bar {
    height: 40px;
  }
}

.top-bar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  width: 100%;
}

.top-bar-left, .top-bar-right {
  display: flex;
  align-items: center;
  gap: 1.25rem;
}

.top-bar-item {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  color: rgba(255, 255, 255, 0.85);
  text-decoration: none;
  white-space: nowrap;
}

.top-bar-item:hover {
  color: var(--accent);
}

.top-bar-item svg {
  flex-shrink: 0;
  width: 15px;
  height: 15px;
  fill: currentColor;
}

/* Mobile Top Bar Constraints */
@media (max-width: 767px) {
  .top-bar-inner {
    flex-wrap: nowrap;
    justify-content: space-around;
  }
  .top-bar-hide-mobile {
    display: none !important;
  }
}

/* --------------------------------------------------------------------------
   7. Sticky Site Header (Pinned, High Reliability)
   -------------------------------------------------------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background-color: var(--surface);
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  transition: background-color 0.2s ease, box-shadow 0.2s ease;
}

.site-header.scrolled {
  box-shadow: var(--shadow-md);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: nowrap;
  height: var(--header-height-mobile);
}

@media (min-width: 768px) {
  .header-inner {
    height: var(--header-height-desktop);
    gap: 24px;
  }
}

/* Logo Anchor */
.header-logo-link {
  display: inline-flex;
  align-items: center;
  gap: 0.75rem;
  text-decoration: none;
  min-width: 0;
  flex: 0 1 auto;
}

.header-logo-img {
  height: clamp(34px, 8vw, 48px);
  width: auto;
  max-width: min(58vw, 220px);
  object-fit: contain;
}

/* Desktop Navigation */
.desktop-nav {
  display: none;
}

@media (min-width: 860px) {
  .desktop-nav {
    display: flex;
    align-items: center;
    gap: 1.75rem;
    margin-inline-start: auto;
  }

  .nav-list {
    display: flex;
    align-items: center;
    list-style: none;
    gap: 1.5rem;
    margin: 0;
    padding: 0;
  }

  .nav-link {
    font-size: var(--step-0);
    font-weight: 500;
    color: var(--text);
    text-decoration: none;
    padding-block: 0.5rem;
    position: relative;
    transition: color 0.2s ease;
  }

  .nav-link:hover {
    color: var(--primary);
  }

  .nav-link.active {
    color: var(--primary);
    font-weight: 700;
  }

  .nav-link.active::after {
    content: '';
    position: absolute;
    bottom: -2px;
    inset-inline-start: 0;
    inset-inline-end: 0;
    height: 2px;
    background-color: var(--accent);
    border-radius: var(--radius-full);
  }

  .nav-cta {
    margin-inline-start: 0.5rem;
  }
}

/* Header Action (Phone Icon on Mobile) */
.header-actions-mobile {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-inline-start: auto;
}

@media (min-width: 860px) {
  .header-actions-mobile {
    display: none;
  }
}

.btn-icon-touch {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: var(--radius-sm);
  background-color: var(--surface-alt);
  color: var(--primary);
  text-decoration: none;
  border: 1px solid var(--border);
}

.btn-icon-touch:hover {
  background-color: var(--accent);
  color: #0c1022;
}

.btn-icon-touch svg {
  width: 20px;
  height: 20px;
  fill: currentColor;
}

/* Mobile Hamburger Toggle */
.menu-toggle {
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  flex: 0 0 48px;
  width: 48px;
  height: 48px;
  border: 1px solid var(--border);
  background: var(--surface);
  border-radius: var(--radius-sm);
  cursor: pointer;
  padding: 0;
}

@media (min-width: 860px) {
  .menu-toggle {
    display: none;
  }
}

.menu-toggle-bar {
  display: block;
  width: 22px;
  height: 2px;
  background-color: var(--primary);
  transition: transform 0.25s ease, opacity 0.25s ease;
  transform-origin: center;
}

.menu-toggle[aria-expanded="true"] .menu-toggle-bar:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.menu-toggle[aria-expanded="true"] .menu-toggle-bar:nth-child(2) {
  opacity: 0;
}

.menu-toggle[aria-expanded="true"] .menu-toggle-bar:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* --------------------------------------------------------------------------
   8. Mobile Drawer Navigation
   -------------------------------------------------------------------------- */
.mobile-drawer {
  position: fixed;
  top: var(--header-height-mobile);
  inset-inline: 0;
  bottom: 0;
  background-color: var(--surface);
  z-index: 999;
  padding: 1.5rem;
  overflow-y: auto;
  transform: translateY(-100%);
  opacity: 0;
  visibility: hidden;
  transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1), opacity 0.25s ease, visibility 0.3s;
  box-shadow: var(--shadow-lg);
  border-bottom: 2px solid var(--accent);
}

@media (min-width: 860px) {
  .mobile-drawer {
    display: none !important;
  }
}

.mobile-drawer.is-open {
  transform: translateY(0);
  opacity: 1;
  visibility: visible;
}

.mobile-nav-list {
  list-style: none;
  padding: 0;
  margin: 0 0 2rem 0;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.mobile-nav-link {
  display: block;
  font-family: var(--font-display);
  font-size: var(--step-2);
  color: var(--primary);
  text-decoration: none;
  padding: 0.75rem 0.5rem;
  border-bottom: 1px solid var(--border-subtle);
  transition: color 0.2s ease, padding-inline-start 0.2s ease;
}

.mobile-nav-link:hover, .mobile-nav-link.active {
  color: var(--accent);
  padding-inline-start: 0.5rem;
}

.mobile-drawer-contact {
  background-color: var(--surface-alt);
  padding: 1.25rem;
  border-radius: var(--radius-md);
  margin-top: 1.5rem;
}

.mobile-drawer-contact h4 {
  font-size: var(--step-0);
  margin-bottom: 0.5rem;
}

.mobile-drawer-contact p {
  font-size: var(--step--1);
  margin-bottom: 0.75rem;
}

/* --------------------------------------------------------------------------
   9. Hero Section (Colourful Hero, Never White)
   -------------------------------------------------------------------------- */
.hero {
  position: relative;
  background-color: var(--hero-bg);
  color: var(--hero-text);
  overflow: hidden;
}

/* Photo-overlay with 75% dark navy backdrop */
.hero-photo-overlay {
  position: absolute;
  inset: 0;
  z-index: 1;
  background-image: url('./wp-content/uploads/2023/11/1.png');
  background-size: cover;
  background-position: center right;
  opacity: 0.25; /* 75% dark navy overlay equivalent */
}

.hero-grid {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(2rem, 5vw, 4rem);
  align-items: center;
}

@media (min-width: 960px) {
  .hero-grid {
    grid-template-columns: 1.15fr 0.85fr;
  }
}

.hero-content {
  max-width: 680px;
}

.hero-title {
  color: var(--hero-text);
  font-size: var(--step-4);
  line-height: 1.15;
  margin-bottom: var(--space-md);
}

@media (min-width: 768px) {
  .hero-title {
    font-size: var(--step-5);
  }
}

.hero-lead {
  font-size: var(--step-1);
  line-height: 1.5;
  color: rgba(255, 255, 255, 0.9);
  margin-bottom: var(--space-lg);
}

.hero-proof-strip {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.5rem 1rem;
  padding: 0.75rem 1rem;
  background-color: rgba(12, 16, 34, 0.7);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-md);
  margin-top: var(--space-lg);
  font-size: var(--step--1);
  color: rgba(255, 255, 255, 0.9);
  backdrop-filter: blur(4px);
}

.proof-stars {
  color: #ffbc00;
  font-weight: 700;
  letter-spacing: 1px;
}

.proof-divider {
  opacity: 0.4;
}

.hero-badge-card {
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.08) 0%, rgba(255, 255, 255, 0.03) 100%);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-lg);
  padding: clamp(1.5rem, 3vw, 2.25rem);
  backdrop-filter: blur(8px);
}

.hero-card-header {
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  padding-bottom: 1rem;
  margin-bottom: 1.25rem;
}

.hero-card-header h3 {
  color: #ffffff;
  font-size: var(--step-1);
  margin-bottom: 0.25rem;
}

.hero-pillars-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}

.hero-pillar-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: var(--step--1);
  color: rgba(255, 255, 255, 0.85);
}

.hero-pillar-bullet {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  background-color: var(--accent);
  color: #0c1022;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 11px;
  font-weight: 800;
  margin-top: 2px;
}

/* --------------------------------------------------------------------------
   10. Credentials Proof Bar (Brand Colour Band)
   -------------------------------------------------------------------------- */
.credentials-bar {
  background-color: var(--dark);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  padding-block: clamp(1.5rem, 3vw, 2.25rem);
}

.credentials-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem 1rem;
}

@media (min-width: 768px) {
  .credentials-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.credential-item {
  text-align: center;
  padding-inline: 0.5rem;
  border-inline-end: 1px solid rgba(255, 255, 255, 0.08);
}

.credential-item:last-child {
  border-inline-end: none;
}

@media (max-width: 767px) {
  .credential-item:nth-child(2) {
    border-inline-end: none;
  }
}

.credential-stat {
  font-family: var(--font-display);
  font-size: var(--step-3);
  font-weight: 700;
  color: var(--accent);
  line-height: 1.1;
  margin-bottom: 0.25rem;
}

.credential-label {
  font-size: var(--step--1);
  color: rgba(255, 255, 255, 0.8);
  font-weight: 500;
}

/* --------------------------------------------------------------------------
   11. Signature Moment: Chris Barlow 6-Year Case Study (Variant A)
   -------------------------------------------------------------------------- */
.signature-section {
  background-color: var(--dark);
  color: var(--dark-text);
  position: relative;
  overflow: hidden;
  border-top: 3px solid var(--accent);
}

.signature-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(2rem, 4vw, 3.5rem);
  align-items: center;
}

@media (min-width: 960px) {
  .signature-grid {
    grid-template-columns: 1fr 1.15fr;
  }
}

.signature-media {
  position: relative;
}

.signature-img-wrapper {
  position: relative;
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(255, 255, 255, 0.12);
}

.signature-img {
  width: 100%;
  aspect-ratio: 4 / 3;
  object-fit: cover;
}

.signature-adviser-badge {
  position: absolute;
  bottom: 1rem;
  inset-inline-start: 1rem;
  inset-inline-end: 1rem;
  background-color: rgba(12, 16, 34, 0.88);
  backdrop-filter: blur(6px);
  padding: 0.75rem 1rem;
  border-radius: var(--radius-sm);
  border: 1px solid rgba(255, 255, 255, 0.15);
}

.signature-adviser-badge h4 {
  color: #ffffff;
  font-size: var(--step-0);
  margin-bottom: 2px;
}

.signature-adviser-badge p {
  color: var(--accent);
  font-size: var(--step--1);
  margin: 0;
}

.signature-quote-block {
  position: relative;
}

.signature-quote-mark {
  font-family: var(--font-display);
  font-size: 4.5rem;
  line-height: 1;
  color: var(--accent);
  opacity: 0.4;
  margin-bottom: -1.5rem;
}

.signature-quote-text {
  font-family: var(--font-display);
  font-style: italic;
  font-size: var(--step-2);
  line-height: 1.4;
  color: #ffffff;
  margin-bottom: var(--space-md);
}

.signature-cite {
  display: block;
  font-family: var(--font-body);
  font-style: normal;
  font-size: var(--step-0);
  font-weight: 600;
  color: var(--accent);
  margin-bottom: var(--space-lg);
}

.signature-stats-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  padding-top: var(--space-md);
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.sig-stat-num {
  font-family: var(--font-display);
  font-size: var(--step-3);
  font-weight: 700;
  color: #ffffff;
  line-height: 1.1;
}

.sig-stat-desc {
  font-size: var(--step--1);
  color: rgba(255, 255, 255, 0.75);
  margin-top: 0.25rem;
}

/* --------------------------------------------------------------------------
   12. Services & Specialities Grid
   -------------------------------------------------------------------------- */
.services-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}

@media (min-width: 640px) {
  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .services-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.service-card {
  background-color: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: clamp(1.25rem, 3vw, 1.75rem);
  display: flex;
  flex-direction: column;
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
  position: relative;
}

.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--accent);
}

.service-card-icon-wrap {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-sm);
  background-color: var(--surface-alt);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  border: 1px solid var(--border-subtle);
}

.service-card-icon-wrap img, .service-card-icon-wrap svg {
  width: 32px;
  height: 32px;
}

.service-card h3 {
  font-size: var(--step-1);
  margin-bottom: 0.5rem;
}

.service-card p {
  font-size: var(--step-0);
  line-height: 1.55;
  margin-bottom: 1.25rem;
  flex-grow: 1;
}

.service-card-link {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-weight: 600;
  font-size: var(--step--1);
  color: var(--primary);
  text-decoration: none;
}

.service-card-link:hover {
  color: var(--accent-ink);
}

/* --------------------------------------------------------------------------
   13. Advisory Process (4-Step Flowchart)
   -------------------------------------------------------------------------- */
.process-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  position: relative;
}

@media (min-width: 640px) {
  .process-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .process-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.process-card {
  background-color: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  position: relative;
}

.process-step-num {
  font-family: var(--font-display);
  font-size: var(--step-3);
  font-weight: 700;
  color: var(--accent-ink);
  line-height: 1;
  margin-bottom: 0.75rem;
}

.process-card h3 {
  font-size: var(--step-1);
  margin-bottom: 0.5rem;
}

.process-card p {
  font-size: var(--step--1);
  margin: 0;
}

/* --------------------------------------------------------------------------
   14. Team Bios Grid
   -------------------------------------------------------------------------- */
.team-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.75rem;
}

@media (min-width: 600px) {
  .team-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 980px) {
  .team-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.team-card {
  background-color: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.team-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

.team-img-wrap {
  width: 100%;
  aspect-ratio: 1 / 1;
  overflow: hidden;
  background-color: var(--surface-alt);
}

.team-img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.3s ease;
}

.team-card:hover .team-img-wrap img {
  transform: scale(1.03);
}

.team-card-body {
  padding: 1.25rem;
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}

.team-card-body h3 {
  font-size: var(--step-1);
  margin-bottom: 0.2rem;
}

.team-role {
  font-size: var(--step--1);
  font-weight: 600;
  color: var(--accent-ink);
  margin-bottom: 0.75rem;
  display: block;
}

.team-bio {
  font-size: var(--step--1);
  line-height: 1.5;
  color: var(--muted);
  margin-bottom: 0.75rem;
  flex-grow: 1;
}

.team-extra {
  font-size: 0.75rem;
  color: var(--muted);
  border-top: 1px solid var(--border-subtle);
  padding-top: 0.5rem;
  margin-top: auto;
}

/* --------------------------------------------------------------------------
   15. Verified Client Testimonials (Google Reviews)
   -------------------------------------------------------------------------- */
.testimonials-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}

@media (min-width: 768px) {
  .testimonials-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1100px) {
  .testimonials-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.testimonial-card {
  background-color: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow-sm);
}

.testimonial-stars {
  color: #ffbc00;
  font-size: 1rem;
  margin-bottom: 0.75rem;
}

.testimonial-text {
  font-family: var(--font-body);
  font-size: var(--step--1);
  line-height: 1.6;
  color: var(--text);
  margin-bottom: 1.25rem;
  flex-grow: 1;
}

.testimonial-author-meta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  border-top: 1px solid var(--border-subtle);
  padding-top: 0.75rem;
}

.testimonial-author-name {
  font-weight: 700;
  font-size: var(--step--1);
  color: var(--primary);
}

.testimonial-source-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.75rem;
  color: var(--muted);
  font-weight: 600;
}

.testimonial-source-badge svg {
  width: 14px;
  height: 14px;
}

/* --------------------------------------------------------------------------
   16. Accessible FAQ Accordion
   -------------------------------------------------------------------------- */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  max-width: 860px;
  margin-inline: auto;
}

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

.faq-trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.25rem;
  background: none;
  border: none;
  cursor: pointer;
  text-align: start;
  font-family: var(--font-display);
  font-size: var(--step-1);
  font-weight: 600;
  color: var(--primary);
  transition: color 0.2s ease, background-color 0.2s ease;
}

.faq-trigger:hover {
  background-color: var(--surface-alt);
  color: var(--accent-ink);
}

.faq-icon {
  flex-shrink: 0;
  width: 24px;
  height: 24px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  font-weight: 400;
  transition: transform 0.25s ease;
  color: var(--accent-ink);
}

.faq-trigger[aria-expanded="true"] .faq-icon {
  transform: rotate(45deg);
}

.faq-content {
  padding: 0 1.25rem 1.25rem 1.25rem;
  font-size: var(--step-0);
  line-height: 1.65;
  color: var(--muted);
  border-top: 1px solid transparent;
}

.faq-content[hidden] {
  display: none;
}

/* --------------------------------------------------------------------------
   17. Accessible Forms & Consultation Lead Gen
   -------------------------------------------------------------------------- */
.contact-cta-wrapper {
  background-color: var(--hero-bg);
  color: var(--hero-text);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.12);
  box-shadow: var(--shadow-lg);
}

.contact-cta-grid {
  display: grid;
  grid-template-columns: 1fr;
}

@media (min-width: 960px) {
  .contact-cta-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.contact-cta-info {
  padding: clamp(2rem, 5vw, 3.5rem);
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.contact-cta-info h2 {
  color: #ffffff;
  font-size: var(--step-3);
  margin-bottom: 1rem;
}

.contact-cta-info p {
  color: rgba(255, 255, 255, 0.85);
  margin-bottom: 1.5rem;
}

.contact-quick-list {
  list-style: none;
  padding: 0;
  margin: 0 0 2rem 0;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}

.contact-quick-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  color: #ffffff;
  font-size: var(--step-0);
}

.contact-quick-item svg {
  width: 20px;
  height: 20px;
  fill: var(--accent);
  flex-shrink: 0;
}

.contact-cta-form-pane {
  background-color: var(--surface);
  color: var(--text);
  padding: clamp(2rem, 5vw, 3.5rem);
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.form-group {
  margin-bottom: 1.25rem;
}

.form-label {
  display: block;
  font-size: var(--step--1);
  font-weight: 600;
  color: var(--primary);
  margin-bottom: 0.35rem;
}

.form-input, .form-textarea, .form-select {
  width: 100%;
  padding: 0.75rem 1rem;
  font-size: var(--step-0);
  background-color: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  color: var(--text);
  transition: border-color 0.2s ease, box-shadow 0.2s ease, background-color 0.2s ease;
}

.form-input:focus, .form-textarea:focus, .form-select:focus {
  background-color: #ffffff;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(217, 155, 0, 0.2);
  outline: none;
}

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

.form-note {
  font-size: 0.75rem;
  color: var(--muted);
  margin-top: 0.75rem;
  line-height: 1.4;
}

.form-feedback {
  padding: 1rem;
  border-radius: var(--radius-sm);
  margin-top: 1rem;
  display: none;
  font-size: var(--step--1);
}

.form-feedback.success {
  display: block;
  background-color: #e6f4ea;
  color: #137333;
  border: 1px solid #ceead6;
}

/* --------------------------------------------------------------------------
   18. Financial Comparison Tables (HTML5 Accessible Tables)
   -------------------------------------------------------------------------- */
.table-responsive-wrapper {
  width: 100%;
  overflow-x: auto;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  background-color: var(--surface);
  box-shadow: var(--shadow-sm);
  margin-block: 1.5rem;
}

.financial-table {
  width: 100%;
  border-collapse: collapse;
  text-align: start;
  font-size: var(--step--1);
}

.financial-table th {
  background-color: var(--primary);
  color: #ffffff;
  font-family: var(--font-body);
  font-weight: 700;
  padding: 1rem 1.25rem;
  text-align: start;
  border-bottom: 2px solid var(--accent);
}

.financial-table td {
  padding: 1rem 1.25rem;
  border-bottom: 1px solid var(--border-subtle);
  color: var(--text);
  vertical-align: top;
}

.financial-table tr:nth-child(even) td {
  background-color: var(--bg);
}

.financial-table tr:hover td {
  background-color: var(--surface-tint);
}

/* --------------------------------------------------------------------------
   19. Regulatory Notices & Disclaimers
   -------------------------------------------------------------------------- */
.regulatory-callout {
  border-inline-start: 4px solid var(--accent);
  background-color: var(--surface);
  padding: 1.25rem 1.5rem;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  margin-block: 1.5rem;
  box-shadow: var(--shadow-sm);
}

.regulatory-callout h4 {
  font-size: var(--step-0);
  color: var(--primary);
  margin-bottom: 0.35rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.regulatory-callout p {
  font-size: var(--step--1);
  color: var(--muted);
  margin: 0;
  line-height: 1.5;
}

/* --------------------------------------------------------------------------
   20. Global Multi-Column Footer
   -------------------------------------------------------------------------- */
.site-footer {
  background-color: var(--dark);
  color: var(--dark-text);
  border-top: 2px solid var(--accent);
  padding-block-start: clamp(3rem, 6vw, 4.5rem);
  padding-block-end: 2rem;
  margin-top: auto;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.5rem 2rem;
  margin-bottom: 3rem;
}

@media (min-width: 640px) {
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .footer-grid {
    grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
  }
}

.footer-brand-logo {
  height: 48px;
  width: auto;
  margin-bottom: 1.25rem;
  filter: brightness(0) invert(1);
}

.footer-col h4 {
  font-family: var(--font-body);
  font-size: var(--step-0);
  font-weight: 700;
  color: #ffffff;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-bottom: 1.25rem;
  position: relative;
  display: inline-block;
}

.footer-col h4::after {
  content: '';
  position: absolute;
  bottom: -4px;
  inset-inline-start: 0;
  width: 24px;
  height: 2px;
  background-color: var(--accent);
}

.footer-nav-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
}

.footer-nav-link {
  color: rgba(255, 255, 255, 0.75);
  font-size: var(--step--1);
  text-decoration: none;
  transition: color 0.2s ease, transform 0.2s ease;
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
}

.footer-nav-link:hover {
  color: var(--accent);
  transform: translateX(2px);
}

.footer-contact-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
  font-size: var(--step--1);
  color: rgba(255, 255, 255, 0.75);
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 0.65rem;
}

.footer-contact-item svg {
  flex-shrink: 0;
  width: 16px;
  height: 16px;
  fill: var(--accent);
  margin-top: 3px;
}

.footer-contact-item a {
  color: rgba(255, 255, 255, 0.85);
  text-decoration: none;
}

.footer-contact-item a:hover {
  color: var(--accent);
}

.footer-statutory-block {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 2rem;
  margin-bottom: 2rem;
  font-size: 0.8125rem;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.65);
}

.footer-statutory-block p {
  margin-bottom: 0.75rem;
  color: inherit;
}

.footer-statutory-block a {
  color: var(--accent);
  text-decoration: underline;
}

.footer-bottom-bar {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding-top: 1.5rem;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.55);
}

.footer-bottom-links {
  display: flex;
  gap: 1rem;
}

.footer-bottom-links a {
  color: rgba(255, 255, 255, 0.55);
  text-decoration: none;
}

.footer-bottom-links a:hover {
  color: var(--accent);
}

/* --------------------------------------------------------------------------
   21. Back to Top Button
   -------------------------------------------------------------------------- */
.back-to-top {
  position: fixed;
  bottom: 24px;
  inset-inline-end: 24px;
  z-index: 900;
  width: 48px;
  height: 48px;
  border-radius: var(--radius-sm);
  background-color: var(--primary);
  color: #ffffff;
  border: 1px solid rgba(255, 255, 255, 0.2);
  box-shadow: var(--shadow-md);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  opacity: 0;
  visibility: hidden;
  transform: translateY(12px);
  transition: opacity 0.25s ease, transform 0.25s ease, visibility 0.25s, background-color 0.2s ease;
}

.back-to-top.is-visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.back-to-top:hover {
  background-color: var(--accent);
  color: #0c1022;
  border-color: var(--accent);
}

.back-to-top svg {
  width: 20px;
  height: 20px;
  fill: currentColor;
}

/* --------------------------------------------------------------------------
   23. Responsive Layout Grids & Helper Modifiers
   -------------------------------------------------------------------------- */
@media (min-width: 768px) {
  .responsive-split-grid {
    grid-template-columns: repeat(2, 1fr) !important;
  }
}

@media (min-width: 960px) {
  .service-split-layout {
    grid-template-columns: 1.1fr 0.9fr !important;
    align-items: center;
  }
  
  .about-story-grid {
    grid-template-columns: 1.15fr 0.85fr !important;
    align-items: center;
  }
}

/* --------------------------------------------------------------------------
   24. Motion & Scroll Reveals (Respects Prefers-Reduced-Motion)
   -------------------------------------------------------------------------- */
@media (prefers-reduced-motion: no-preference) {
  .reveal-on-scroll {
    opacity: 0;
    transform: translateY(20px);
    transition: opacity 0.5s cubic-bezier(0.16, 1, 0.3, 1), transform 0.5s cubic-bezier(0.16, 1, 0.3, 1);
    will-change: opacity, transform;
  }

  .reveal-on-scroll.is-revealed {
    opacity: 1;
    transform: translateY(0);
  }
}