/* ============================================
   SMAD FINANCIAL — Design Tokens
   ============================================ */
:root {
  --navy: #042C53;
  --blue-dark: #0C447C;
  --blue-mid: #185FA5;
  --blue-light: #378ADD;
  --amber: #BA7517;
  --amber-light: #D89A3F;
  --bg-light: #F4F7FA;
  --white: #FFFFFF;
  --gray-text: #4A5B6E;
  --gray-line: #DDE5EC;

  --font-display: 'Fraunces', 'Georgia', serif;
  --font-body: 'Inter', -apple-system, sans-serif;

  --max-width: 1180px;
  --radius: 10px;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--navy);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

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

a { color: inherit; text-decoration: none; }

.wrap {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 32px;
}

h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.15;
  letter-spacing: -0.01em;
}

h2 { font-size: clamp(1.9rem, 3.2vw, 2.6rem); }
h3 { font-size: clamp(1.25rem, 2vw, 1.5rem); }

p { color: var(--gray-text); }

.eyebrow {
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--amber);
  display: block;
  margin-bottom: 14px;
}

/* ============================================
   BUTTONS
   ============================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 14px 28px;
  border-radius: 999px;
  transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
  cursor: pointer;
  border: none;
}

.btn-primary {
  background: var(--amber);
  color: var(--white);
}
.btn-primary:hover {
  background: var(--amber-light);
  transform: translateY(-2px);
  box-shadow: 0 10px 24px rgba(186, 117, 23, 0.28);
}

.btn-ghost {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,0.45);
}
.btn-ghost:hover {
  border-color: var(--white);
  transform: translateY(-2px);
}

.btn-ghost-navy {
  background: transparent;
  color: var(--navy);
  border: 1.5px solid rgba(4,44,83,0.3);
}
.btn-ghost-navy:hover {
  border-color: var(--navy);
  transform: translateY(-2px);
}

/* ============================================
   NAVIGATION
   ============================================ */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--gray-line);
}
.nav .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 78px;
}
.nav-logo img { height: 34px; }
.nav-links {
  display: flex;
  align-items: center;
  gap: 36px;
  font-weight: 600;
  font-size: 0.94rem;
}
.nav-links a { color: var(--navy); opacity: 0.75; transition: opacity 0.2s; margin-right: 36px; }
.nav-links a:last-child { margin-right: 0; }
.nav-links a:hover, .nav-links a.active { opacity: 1; }
.nav-cta { display: flex; align-items: center; gap: 24px; }
.nav-cta .btn { padding: 10px 22px; font-size: 0.88rem; background: var(--navy); color: var(--white); }
.nav-cta .btn:hover { background: var(--blue-dark); transform: translateY(-2px); }

.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
.nav-toggle span { display: block; width: 22px; height: 2px; background: var(--navy); margin: 5px 0; }

/* ============================================
   HERO
   ============================================ */
.hero {
  background: var(--navy);
  color: var(--white);
  position: relative;
  overflow: hidden;
  padding: 90px 0 110px;
}
.hero .wrap {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 48px;
  align-items: center;
}
.hero h1 {
  font-size: clamp(2.4rem, 4.6vw, 3.6rem);
  color: var(--white);
  margin-bottom: 22px;
}
.hero h1 em {
  font-style: italic;
  color: var(--blue-light);
}
.hero p.lead {
  font-size: 1.12rem;
  color: rgba(255,255,255,0.82);
  max-width: 480px;
  margin-bottom: 34px;
}
.hero-cta { display: flex; gap: 16px; flex-wrap: wrap; }

.hero-chart {
  position: relative;
  height: 340px;
}
.hero-chart svg { width: 100%; height: 100%; }
.hero-chart .chart-line {
  fill: none;
  stroke: var(--blue-light);
  stroke-width: 3;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-dasharray: 620;
  stroke-dashoffset: 620;
  animation: draw 2.2s ease forwards 0.4s;
}
.hero-chart .chart-dot {
  fill: var(--amber);
  opacity: 0;
  animation: pop 0.5s ease forwards;
}
.hero-chart .dot1 { animation-delay: 1.1s; }
.hero-chart .dot2 { animation-delay: 1.6s; }
.hero-chart .dot3 { animation-delay: 2.1s; }
.hero-chart .chart-grid line { stroke: rgba(255,255,255,0.08); stroke-width: 1; }

@keyframes draw { to { stroke-dashoffset: 0; } }
@keyframes pop { from { opacity: 0; transform: scale(0); } to { opacity: 1; transform: scale(1); } }

@media (prefers-reduced-motion: reduce) {
  .hero-chart .chart-line { animation: none; stroke-dashoffset: 0; }
  .hero-chart .chart-dot { animation: none; opacity: 1; }
}

/* ============================================
   SECTIONS (general)
   ============================================ */
section { padding: 96px 0; }
.section-light { background: var(--bg-light); }
.section-navy { background: var(--navy); color: var(--white); }
.section-navy p { color: rgba(255,255,255,0.78); }
.section-navy h2 { color: var(--white); }

.section-head { max-width: 640px; margin-bottom: 56px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }

/* reveal-on-scroll — content is visible by default; JS opts elements into the
   hidden-then-reveal animation only once it confirms it can run and observe them.
   This guarantees content is never stuck invisible if JS fails or is disabled. */
html.js-reveal-ready .reveal { opacity: 0; transform: translateY(22px); transition: opacity 0.7s ease, transform 0.7s ease; }
html.js-reveal-ready .reveal.is-visible { opacity: 1; transform: translateY(0); }
@media (prefers-reduced-motion: reduce) {
  html.js-reveal-ready .reveal { opacity: 1; transform: none; transition: none; }
}

/* ============================================
   PROBLEM STATEMENT
   ============================================ */
.problem-block {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 60px;
  align-items: center;
}
.problem-quote {
  font-family: var(--font-display);
  font-size: clamp(1.5rem, 2.6vw, 2rem);
  line-height: 1.4;
  color: var(--navy);
}
.problem-quote .amber-mark { color: var(--amber); }

/* ============================================
   PILLARS / RULES (numbered — real sequence)
   ============================================ */
.rules-list { display: flex; flex-direction: column; gap: 0; }
.rule-item {
  display: grid;
  grid-template-columns: 64px 1fr;
  gap: 24px;
  padding: 28px 0;
  border-bottom: 1px solid var(--gray-line);
}
.rule-item:first-child { padding-top: 0; }
.rule-item:last-child { border-bottom: none; }
.rule-num {
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 600;
  color: var(--blue-light);
}
.rule-item h4 { font-size: 1.15rem; margin-bottom: 6px; }
.section-navy .rule-item h4 { color: var(--white); }
.rule-item h4 { color: var(--navy); }
.section-navy .rule-item { border-bottom: 1px solid rgba(255,255,255,0.15); }

/* ============================================
   PILLARS GRID (education/network/accountability)
   ============================================ */
.pillars-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.pillar-card {
  background: var(--white);
  border: 1px solid var(--gray-line);
  border-radius: var(--radius);
  padding: 34px 28px;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.pillar-card:hover { transform: translateY(-4px); box-shadow: 0 16px 32px rgba(4,44,83,0.08); }
.pillar-icon {
  width: 52px; height: 52px;
  border-radius: 50%;
  background: var(--navy);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
}
.pillar-icon svg { width: 24px; height: 24px; stroke: var(--white); }
.pillar-card h4 { font-size: 1.1rem; margin-bottom: 8px; }
.pillar-card p { font-size: 0.94rem; }
/* Cards keep dark text on their white background regardless of section color,
   since .section-navy's global light-text rule would otherwise make this
   text invisible (white text on a white card). */
.pillar-card h4 { color: var(--navy); }
.pillar-card p { color: var(--gray-text); }

/* ============================================
   SERVICES GRID
   ============================================ */
.services-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.service-card {
  background: var(--white);
  border: 1px solid var(--gray-line);
  border-radius: var(--radius);
  padding: 32px;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.service-card:hover { transform: translateY(-4px); box-shadow: 0 16px 32px rgba(4,44,83,0.08); }
.service-num {
  font-family: var(--font-display);
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--blue-light);
  letter-spacing: 0.06em;
}
.service-card h3 { margin: 10px 0 12px; }
.service-card p { font-size: 0.95rem; margin-bottom: 16px; }
.service-outcome {
  font-size: 0.86rem;
  font-style: italic;
  color: var(--amber);
  border-top: 1px solid var(--gray-line);
  padding-top: 14px;
}

.service-card.full {
  grid-column: 1 / -1;
  display: grid;
  grid-template-columns: 90px 1fr auto;
  align-items: center;
  gap: 28px;
  padding: 28px 32px;
}
.service-card.full .service-icon-circle {
  width: 60px; height: 60px; border-radius: 50%;
  background: var(--navy);
  display: flex; align-items: center; justify-content: center;
}
.service-card.full .service-icon-circle svg { width: 28px; height: 28px; stroke: var(--white); }
.service-card.full h3 { margin: 0 0 6px; }
.service-card.full p { margin: 0; }
.service-card.full .btn { white-space: nowrap; }

/* ============================================
   AUDIENCE / WHO WE SERVE
   ============================================ */
.audience-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px;
}
.audience-card { text-align: center; }
.audience-icon {
  width: 68px; height: 68px;
  border-radius: 50%;
  background: var(--blue-dark);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 16px;
}
.audience-icon svg { width: 30px; height: 30px; stroke: var(--white); }
.audience-card h4 { font-size: 1rem; margin-bottom: 6px; }
.audience-card p { font-size: 0.86rem; }

/* ============================================
   NETWORK GRID
   ============================================ */
.network-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.network-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius);
  padding: 26px 20px;
  text-align: center;
}
.network-icon {
  width: 50px; height: 50px;
  border-radius: 50%;
  background: var(--blue-dark);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 14px;
}
.network-icon svg { width: 22px; height: 22px; stroke: var(--white); }
.network-card h4 { font-size: 0.92rem; color: var(--white); font-family: var(--font-body); font-weight: 600; }

/* ============================================
   CTA BAND
   ============================================ */
.cta-band {
  background: linear-gradient(135deg, var(--navy), var(--blue-dark));
  color: var(--white);
  text-align: center;
  padding: 90px 0;
}
.cta-band h2 { color: var(--white); margin-bottom: 18px; }
.cta-band p { color: rgba(255,255,255,0.78); max-width: 480px; margin: 0 auto 34px; }

/* ============================================
   BOOKING FORM
   ============================================ */
.book-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}
.form-field { margin-bottom: 20px; }
.form-field label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 8px;
  color: var(--navy);
}
.form-field input, .form-field select, .form-field textarea {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--gray-line);
  border-radius: 8px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--navy);
  background: var(--white);
  transition: border-color 0.2s;
}
.form-field input:focus, .form-field select:focus, .form-field textarea:focus {
  outline: none;
  border-color: var(--blue-mid);
}
.form-field textarea { resize: vertical; min-height: 100px; }

.book-info-card {
  background: var(--bg-light);
  border-radius: var(--radius);
  padding: 32px;
  margin-bottom: 24px;
}
.book-info-card h4 { font-size: 1rem; margin-bottom: 10px; }
.book-info-card p { font-size: 0.92rem; }

/* ============================================
   TRUSTED PARTNERS
   ============================================ */
.partners-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.partner-tile {
  background: var(--white);
  border: 1.5px dashed var(--gray-line);
  border-radius: var(--radius);
  height: 108px;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 16px;
  transition: border-color 0.25s ease, transform 0.25s ease;
}
.partner-tile:hover { border-color: var(--blue-mid); transform: translateY(-3px); }
.partner-tile img {
  max-height: 56px;
  max-width: 100%;
  object-fit: contain;
  filter: grayscale(100%);
  opacity: 0.75;
  transition: filter 0.25s ease, opacity 0.25s ease;
}
.partner-tile:hover img { filter: grayscale(0%); opacity: 1; }
.partner-tile.placeholder {
  color: var(--gray-text);
  font-size: 0.78rem;
  font-weight: 600;
  text-align: center;
  letter-spacing: 0.02em;
}
@media (max-width: 900px) {
  .partners-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 560px) {
  .partners-grid { grid-template-columns: 1fr 1fr; }
}

/* ============================================
   FOOTER
   ============================================ */
footer {
  background: var(--navy);
  color: rgba(255,255,255,0.6);
  padding: 56px 0 32px;
}
footer .footer-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  flex-wrap: wrap;
  gap: 32px;
  padding-bottom: 32px;
  border-bottom: 1px solid rgba(255,255,255,0.12);
  margin-bottom: 24px;
}
footer .footer-logo img { height: 30px; margin-bottom: 12px; }
footer .footer-tagline { font-size: 0.85rem; font-style: italic; color: rgba(255,255,255,0.5); }
footer .footer-links { display: flex; gap: 40px; }
footer .footer-links h5 { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.08em; color: rgba(255,255,255,0.4); margin-bottom: 14px; }
footer .footer-links a { display: block; font-size: 0.9rem; margin-bottom: 10px; color: rgba(255,255,255,0.75); }
footer .footer-links a:hover { color: var(--white); }
footer .compliance { font-size: 0.78rem; color: rgba(255,255,255,0.45); line-height: 1.6; }

/* ============================================
   RESPONSIVE
   ============================================ */
@media (max-width: 900px) {
  .nav { position: relative; }
  .nav-links, .nav-cta .btn.desktop-only { display: none; }
  .nav-toggle { display: block; position: relative; z-index: 210; }
  .nav-links.nav-open {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 0;
    position: absolute;
    top: 78px;
    left: 0;
    right: 0;
    background: var(--white);
    padding: 8px 32px 20px;
    box-shadow: 0 16px 32px rgba(4,44,83,0.12);
    border-bottom: 1px solid var(--gray-line);
  }
  .nav-links.nav-open a {
    margin-right: 0;
    padding: 14px 0;
    width: 100%;
    border-bottom: 1px solid var(--gray-line);
    opacity: 1;
  }
  .nav-links.nav-open a:last-child { border-bottom: none; }
  .nav-toggle.is-active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .nav-toggle.is-active span:nth-child(2) { opacity: 0; }
  .nav-toggle.is-active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
  .nav-toggle span { transition: transform 0.2s ease, opacity 0.2s ease; }
  .hero .wrap { grid-template-columns: 1fr; }
  .hero-chart { height: 220px; order: -1; }
  .problem-block { grid-template-columns: 1fr; }
  .pillars-grid { grid-template-columns: 1fr; }
  .services-grid { grid-template-columns: 1fr; }
  .service-card.full { grid-template-columns: 1fr; text-align: left; }
  .audience-grid { grid-template-columns: repeat(2, 1fr); }
  .network-grid { grid-template-columns: repeat(2, 1fr); }
  .partners-grid { grid-template-columns: repeat(2, 1fr); }
  .book-layout { grid-template-columns: 1fr; }
  footer .footer-top { flex-direction: column; }
}

@media (max-width: 560px) {
  .wrap { padding: 0 20px; }
  section { padding: 64px 0; }
  .audience-grid { grid-template-columns: 1fr 1fr; }
}