/* ============================================================
   Holt Financial Group — design system v3
   Brand: deep navy ink, champagne gold, warm ivory paper
   Type: Playfair Display (serif display) + Public Sans (body)
   ============================================================ */

:root {
  --ivory: #faf6ec;
  --ivory-deep: #f3ecdc;
  --navy-950: #131f38;
  --navy-900: #182747;
  --navy-700: #243a66;
  --ink: #1b2440;
  --gold: #c9a14d;
  --gold-bright: #e2bd62;
  --gold-deep: #a87f2c;
  --line: rgba(27, 36, 64, 0.14);
  --radius: 14px;
  --shadow: 0 16px 36px -26px rgba(19, 31, 56, 0.5);
  --font-display: "Playfair Display", Georgia, serif;
  --font-body: "Public Sans", -apple-system, "Segoe UI", sans-serif;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--ink);
  background: var(--ivory);
}

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

a { color: var(--navy-700); }

.container {
  width: min(1120px, 92%);
  margin-inline: auto;
}

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

/* ---------- Header (single slim bar) ---------- */

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(250, 246, 236, 0.94);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}

.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.25rem;
  min-height: 64px;
  padding: 0.5rem 0;
}

/* ---------- Brand lockup (HF | HOLT FINANCIAL) ---------- */

.brand {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  text-decoration: none;
  color: var(--ink);
  flex: none;
}

.brand-mono {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 2.05rem;
  line-height: 0.9;
  letter-spacing: -0.14em;
  display: flex;
}

.brand-mono i {
  font-style: normal;
  color: var(--navy-900);
}

.brand-mono em {
  font-style: normal;
  background: linear-gradient(155deg, var(--gold-bright) 10%, var(--gold-deep) 90%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  padding-right: 0.08em;
}

.brand-rule {
  width: 1px;
  align-self: stretch;
  margin: 2px 0;
  background: linear-gradient(var(--gold-bright), var(--gold-deep));
  opacity: 0.85;
}

.brand-word { display: flex; flex-direction: column; line-height: 1.12; }

.brand-word b {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.06rem;
  letter-spacing: 0.13em;
  color: var(--navy-900);
}

.brand-word small {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 0.6rem;
  letter-spacing: 0.36em;
  color: var(--gold-deep);
}

/* Light variant for navy footer */
.brand-light .brand-mono i { color: var(--ivory); }
.brand-light .brand-word b { color: var(--ivory); }
.brand-light .brand-word small { color: var(--gold); }

/* ---------- Navigation ---------- */

.site-nav {
  display: flex;
  align-items: center;
  gap: 1.5rem;
}

.site-nav a {
  text-decoration: none;
  color: var(--ink);
  font-weight: 600;
  font-size: 0.92rem;
  white-space: nowrap;
  opacity: 0.78;
  transition: opacity 0.15s ease, color 0.15s ease;
}

.site-nav a:hover { opacity: 1; }

.site-nav a[aria-current="page"] {
  opacity: 1;
  color: var(--gold-deep);
}

/* ---------- Buttons ---------- */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  white-space: nowrap;
  text-decoration: none;
  font-weight: 700;
  font-size: 0.9rem;
  line-height: 1;
  padding: 0.8rem 1.5rem;
  border-radius: 999px;
  border: 1.5px solid var(--navy-900);
  cursor: pointer;
  transition: background 0.2s ease, color 0.2s ease, transform 0.15s ease;
}

.site-nav .btn,
.site-nav .btn[aria-current="page"] {
  font-size: 0.84rem;
  padding: 0.68rem 1.25rem;
  opacity: 1;
  color: var(--navy-950);
}

.btn-solid { background: var(--navy-900); color: var(--ivory); }
.btn-solid:hover { background: var(--navy-700); border-color: var(--navy-700); }

.btn-ghost { background: transparent; color: var(--navy-900); }
.btn-ghost:hover { background: rgba(24, 39, 71, 0.07); }

.btn-gold {
  background: linear-gradient(155deg, var(--gold-bright), var(--gold));
  border-color: var(--gold);
  color: var(--navy-950);
}

.btn-gold:hover { background: var(--gold-bright); border-color: var(--gold-bright); }

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

.btn:focus-visible, a:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 3px;
}

.nav-toggle {
  display: none;
  background: none;
  border: 1.5px solid var(--line);
  border-radius: 8px;
  padding: 0.4rem 0.6rem;
  font-size: 1.05rem;
  cursor: pointer;
  color: var(--ink);
}

/* ---------- Hero ---------- */

.hero, .page-hero {
  position: relative;
  background:
    radial-gradient(120% 140% at 85% -20%, #22345e 0%, var(--navy-950) 58%);
  color: #f1ecdf;
  overflow: hidden;
  border-bottom: 3px solid var(--gold);
}

.hero .guilloche, .page-hero .guilloche {
  position: absolute;
  right: -160px;
  top: 50%;
  transform: translateY(-50%);
  width: 620px;
  height: 620px;
  opacity: 0.5;
  pointer-events: none;
}

.hero .container {
  position: relative;
  padding: 5rem 0 5.5rem;
}

.eyebrow {
  display: inline-block;
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.3rem;
}

.hero h1 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(2.3rem, 5vw, 3.7rem);
  line-height: 1.08;
  letter-spacing: -0.01em;
  margin-bottom: 1.3rem;
  max-width: 18ch;
}

.hero h1 em {
  font-style: italic;
  background: linear-gradient(155deg, var(--gold-bright), var(--gold));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.hero p.lede {
  font-size: 1.13rem;
  color: #c9cedd;
  max-width: 56ch;
  margin-bottom: 2.2rem;
}

.hero-actions { display: flex; flex-wrap: wrap; gap: 0.9rem; }

.hero .btn-ghost { color: #f1ecdf; border-color: rgba(241, 236, 223, 0.45); }
.hero .btn-ghost:hover { background: rgba(241, 236, 223, 0.1); }

.hero-facts {
  display: flex;
  flex-wrap: wrap;
  gap: 2.4rem;
  margin-top: 3rem;
  padding-top: 1.6rem;
  border-top: 1px solid rgba(201, 161, 77, 0.35);
}

.hero-facts div b {
  display: block;
  font-family: var(--font-display);
  font-size: 1.25rem;
  color: var(--gold);
}

.hero-facts div span { font-size: 0.9rem; color: #aab1c6; }

/* ---------- Page hero (interior pages) ---------- */

.page-hero .guilloche { right: -220px; width: 520px; height: 520px; opacity: 0.4; }

.page-hero .container { position: relative; padding: 3.6rem 0 4rem; }

.page-hero h1 {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4.2vw, 3rem);
  line-height: 1.12;
  max-width: 22ch;
  margin-bottom: 0.9rem;
}

.page-hero p { color: #c9cedd; max-width: 58ch; font-size: 1.08rem; }

/* ---------- Sections ---------- */

.section { padding: 4.6rem 0; }

.section-deep { background: var(--navy-900); color: #f1ecdf; }

.section-paper { background: var(--ivory-deep); }

.section-head { max-width: 640px; margin-bottom: 2.8rem; }

.section-head .eyebrow { color: var(--gold-deep); }
.section-deep .eyebrow { color: var(--gold); }

.section-head h2, .split h2 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(1.7rem, 3.4vw, 2.4rem);
  line-height: 1.15;
  margin-bottom: 0.9rem;
}

.section-head p { color: rgba(27, 36, 64, 0.72); }

.section-deep p { color: #c9cedd; }

/* ---------- Card grid ---------- */

.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(270px, 1fr));
  gap: 1.4rem;
}

.card {
  background: #fffdf6;
  border: 1px solid var(--line);
  border-top: 3px solid var(--gold);
  border-radius: var(--radius);
  padding: 1.9rem 1.7rem;
  box-shadow: var(--shadow);
}

.card .tag {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-deep);
  margin-bottom: 0.9rem;
}

.card h3 {
  font-family: var(--font-display);
  font-size: 1.32rem;
  margin-bottom: 0.6rem;
  color: var(--navy-900);
}

.card p { font-size: 0.97rem; color: rgba(27, 36, 64, 0.75); }

.card-link { text-decoration: none; color: inherit; display: block; transition: transform 0.18s ease; }
.card-link:hover { transform: translateY(-4px); }
.card-link:hover h3 { color: var(--gold-deep); }

/* ---------- Process / steps ---------- */

.steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.4rem;
  counter-reset: step;
}

.step {
  counter-increment: step;
  background: #fffdf6;
  border: 1px solid var(--line);
  border-top: 3px solid var(--gold);
  border-radius: var(--radius);
  padding: 2rem 1.7rem;
  box-shadow: var(--shadow);
}

.step::before {
  content: "Step " counter(step);
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold-deep);
  border: 1px solid rgba(201, 161, 77, 0.55);
  border-radius: 999px;
  padding: 0.25rem 0.8rem;
  margin-bottom: 1rem;
}

.step h3 {
  font-family: var(--font-display);
  font-size: 1.25rem;
  margin-bottom: 0.5rem;
  color: var(--navy-900);
}

.step p { font-size: 0.96rem; color: rgba(27, 36, 64, 0.75); }

/* ---------- Checklist ---------- */

.checklist {
  list-style: none;
  display: grid;
  gap: 0.8rem;
  max-width: 560px;
}

.checklist li { display: flex; gap: 0.8rem; align-items: flex-start; }

.checklist li::before {
  content: "✓";
  flex: none;
  width: 1.5rem;
  height: 1.5rem;
  border-radius: 50%;
  background: rgba(201, 161, 77, 0.18);
  color: var(--gold-deep);
  font-weight: 700;
  font-size: 0.85rem;
  display: grid;
  place-items: center;
  margin-top: 0.15rem;
}

.section-deep .checklist li::before {
  background: rgba(201, 161, 77, 0.22);
  color: var(--gold-bright);
}

/* ---------- Split layout ---------- */

.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3.5rem;
  align-items: center;
}

/* ---------- CTA band ---------- */

.cta-band {
  background:
    radial-gradient(120% 160% at 15% -30%, #22345e 0%, var(--navy-950) 60%);
  color: #f1ecdf;
  border-top: 3px solid var(--gold);
}

.cta-band .container {
  padding: 3.6rem 0;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1.6rem;
}

.cta-band h2 {
  font-family: var(--font-display);
  font-size: clamp(1.5rem, 3vw, 2.1rem);
  max-width: 24ch;
  line-height: 1.2;
}

.cta-band p { color: #c9cedd; max-width: 48ch; margin-top: 0.5rem; }

/* ---------- Form ---------- */

.form-card {
  background: #fffdf6;
  border: 1px solid var(--line);
  border-top: 3px solid var(--gold);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 2.4rem;
  max-width: 720px;
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.2rem 1.4rem;
}

.field { display: flex; flex-direction: column; gap: 0.4rem; }

.field.full { grid-column: 1 / -1; }

.field label {
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.02em;
}

.field input,
.field select,
.field textarea {
  font: inherit;
  font-size: 0.98rem;
  color: var(--ink);
  background: #fff;
  border: 1.5px solid var(--line);
  border-radius: 10px;
  padding: 0.75rem 0.9rem;
}

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

.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201, 161, 77, 0.22);
}

.form-note { font-size: 0.85rem; color: rgba(27, 36, 64, 0.6); margin-top: 1rem; }

.form-success {
  display: none;
  background: rgba(201, 161, 77, 0.14);
  border: 1px solid var(--gold);
  border-radius: 10px;
  padding: 1rem 1.2rem;
  margin-top: 1.2rem;
  font-weight: 600;
  color: var(--navy-900);
}

/* ---------- Footer ---------- */

.site-footer {
  background: var(--navy-950);
  color: #aab1c6;
  padding: 2.8rem 0 2rem;
  font-size: 0.92rem;
}

.site-footer .container {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: 1.5rem;
}

.footer-nav { display: flex; flex-wrap: wrap; gap: 1.4rem; }

.footer-nav a { color: #c9cedd; text-decoration: none; }
.footer-nav a:hover { color: var(--gold); }

.footer-legal {
  width: 100%;
  border-top: 1px solid rgba(201, 161, 77, 0.25);
  padding-top: 1.2rem;
  font-size: 0.82rem;
}

/* ---------- Reveal animation ---------- */

.reveal {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.reveal.in { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; transition: none; }
  .btn, .card-link { transition: none; }
}

/* ---------- Responsive ---------- */

@media (max-width: 880px) {
  .split { grid-template-columns: 1fr; gap: 2.2rem; }
}

@media (max-width: 760px) {
  .nav-toggle { display: block; }

  .site-nav {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background: var(--ivory);
    border-bottom: 1px solid var(--line);
    display: none;
    padding: 0.6rem 4%;
  }

  .site-nav.open { display: flex; }

  .site-nav a { padding: 0.85rem 0.4rem; opacity: 1; }
  .site-nav .btn { margin: 0.8rem 0.4rem; }

  .brand-mono { font-size: 1.8rem; }

  .form-grid { grid-template-columns: 1fr; }
  .form-card { padding: 1.6rem; }
  .hero .container { padding: 3.6rem 0 4rem; }
}