/* ==========================================================================
   Crowley Wealth Management - Production Stylesheet
   Modern, Mobile-First, Accessible (WCAG AA/AAA), Ultra-Responsive
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. Design Tokens & Root Variables
   -------------------------------------------------------------------------- */
:root {
  /* Brand Colors */
  --color-primary: #001689;          /* Crowley Royal Navy Blue */
  --color-primary-dark: #000e57;     /* Deep Midnight Navy */
  --color-primary-light: #0d2bbd;    /* Bright Navy */
  --color-primary-surface: #f0f4fc;  /* Soft Blue Tint */
  --color-primary-tint: #e6edfa;
  
  /* Gold & Warm Accents */
  --color-gold-bright: #ffb819;      /* Brand Gold Accent */
  --color-gold-hover: #e5a414;       /* Deeper Gold */
  --color-gold-accessible: #7b5500;  /* Dark Gold for text on light bg (WCAG AA >4.5:1) */
  --color-gold-soft: #fbf7ee;        /* Warm Gold Tint */
  --color-wheat: #dedbc3;            /* Classic Wheat */
  --color-wheat-light: #f5f4ed;
  
  /* Neutral Palette */
  --color-dark: #121826;             /* Near-Black Heading Text */
  --color-text: #2c3545;             /* High-Contrast Body Text (WCAG AAA) */
  --color-text-muted: #536177;       /* Secondary Text */
  --color-border: #e2e8f0;           /* Clean Border */
  --color-border-subtle: #cbd5e1;
  --color-surface: #ffffff;          /* Pure White */
  --color-surface-alt: #f8fafc;      /* Light Gray Surface */
  --color-surface-warm: #faf9f5;     /* Warm Cream Surface */
  
  /* Feedback Colors */
  --color-success: #15803d;
  --color-success-bg: #dcfce7;
  --color-error: #b91c1c;
  --color-error-bg: #fee2e2;

  /* Typography */
  --font-body: 'Neuton', Georgia, Cambria, 'Times New Roman', serif;
  --font-display: 'Oswald', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  
  /* Fluid Spacing Scale */
  --space-2xs: clamp(0.25rem, 0.5vw, 0.375rem);
  --space-xs: clamp(0.5rem, 1vw, 0.75rem);
  --space-sm: clamp(0.75rem, 1.5vw, 1rem);
  --space-md: clamp(1rem, 2vw, 1.5rem);
  --space-lg: clamp(1.5rem, 3vw, 2.25rem);
  --space-xl: clamp(2rem, 4vw, 3.25rem);
  --space-2xl: clamp(3rem, 6vw, 4.5rem);
  --space-3xl: clamp(4rem, 8vw, 6rem);

  /* Layout */
  --container-max: 1240px;
  --container-narrow: 960px;
  --header-height: 80px;
  --topbar-height: 38px;
  --radius-sm: 4px;
  --radius-md: 8px;
  --radius-lg: 14px;
  --radius-xl: 20px;
  --radius-pill: 9999px;

  /* Elevation Shadows */
  --shadow-sm: 0 1px 3px rgba(0, 22, 137, 0.06), 0 1px 2px rgba(0, 0, 0, 0.04);
  --shadow-md: 0 4px 12px rgba(0, 22, 137, 0.08), 0 2px 4px rgba(0, 0, 0, 0.04);
  --shadow-lg: 0 10px 25px rgba(0, 22, 137, 0.12), 0 4px 10px rgba(0, 0, 0, 0.05);
  --shadow-xl: 0 20px 35px rgba(0, 22, 137, 0.16), 0 8px 16px rgba(0, 0, 0, 0.06);

  /* Transitions */
  --transition-fast: 150ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-normal: 250ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-slow: 350ms cubic-bezier(0.4, 0, 0.2, 1);
}

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

html {
  font-size: 100%;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  text-rendering: optimizeLegibility;
  /* Crucial: DO NOT set overflow: hidden on html or body to keep sticky header operational */
  overflow-x: clip;
}

body {
  font-family: var(--font-body);
  font-size: clamp(1.0625rem, 1rem + 0.35vw, 1.25rem);
  line-height: 1.68;
  color: var(--color-text);
  background-color: var(--color-surface-warm);
  background-image: url('./img/03404d52-8445-11e8-b6b7-a0369f35efbc.jpg');
  background-repeat: repeat;
  background-size: auto;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  overflow-x: clip;
  word-wrap: break-word;
}

main {
  flex: 1 0 auto;
  min-width: 0;
}

/* Prevent layout shifts from media */
img, svg, picture, video {
  max-width: 100%;
  height: auto;
  display: block;
}

/* Typography Defaults */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  color: var(--color-dark);
  line-height: 1.22;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.03em;
  margin-bottom: 0.6em;
  min-width: 0;
}

h1 {
  font-size: clamp(2rem, 1.4rem + 2.8vw, 3.5rem);
  font-weight: 700;
  letter-spacing: 0.04em;
}

h2 {
  font-size: clamp(1.6rem, 1.2rem + 1.8vw, 2.5rem);
}

h3 {
  font-size: clamp(1.25rem, 1.1rem + 0.8vw, 1.75rem);
}

h4 {
  font-size: clamp(1.1rem, 1rem + 0.4vw, 1.35rem);
}

p {
  margin-bottom: 1.25em;
  max-width: 75ch;
}

p:last-child {
  margin-bottom: 0;
}

a {
  color: var(--color-primary);
  text-decoration-thickness: 1.5px;
  text-underline-offset: 3px;
  transition: color var(--transition-fast), background-color var(--transition-fast);
}

a:hover {
  color: var(--color-primary-light);
}

a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
  outline: 3px solid var(--color-gold-bright);
  outline-offset: 3px;
}

button {
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  cursor: pointer;
  border: none;
  background: none;
}

ul, ol {
  padding-inline-start: 1.5rem;
  margin-bottom: 1.25em;
}

/* Accessible hidden text for screen readers */
.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;
}

/* --------------------------------------------------------------------------
   3. Common Container & Layout Utilities
   -------------------------------------------------------------------------- */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin-inline: auto;
  padding-inline: clamp(1rem, 3.5vw, 2.5rem);
  min-width: 0;
}

.container-narrow {
  width: 100%;
  max-width: var(--container-narrow);
  margin-inline: auto;
  padding-inline: clamp(1rem, 3.5vw, 2.5rem);
  min-width: 0;
}

.section {
  padding-block: var(--space-2xl);
  position: relative;
}

.section-lg {
  padding-block: var(--space-3xl);
  position: relative;
}

.section-header {
  text-align: center;
  max-width: 800px;
  margin-inline: auto;
  margin-bottom: var(--space-xl);
}

.section-subtitle {
  font-family: var(--font-display);
  font-size: clamp(0.875rem, 0.8rem + 0.3vw, 1.05rem);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: var(--color-gold-accessible);
  margin-bottom: 0.5rem;
  display: block;
}

.section-title {
  color: var(--color-primary);
  position: relative;
  display: inline-block;
  padding-bottom: 0.4em;
}

.section-title::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 70px;
  height: 3px;
  background: linear-gradient(90deg, var(--color-gold-bright), var(--color-gold-accessible));
  border-radius: 2px;
}

.section-title-left::after {
  left: 0;
  transform: none;
}

.section-intro {
  font-size: clamp(1.125rem, 1.05rem + 0.4vw, 1.35rem);
  color: var(--color-text-muted);
  line-height: 1.6;
  margin-top: 0.75rem;
}

/* Grid & Flex Utilities */
.grid-2 {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-lg);
}

.grid-3 {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-lg);
}

.grid-4 {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-lg);
}

@media (min-width: 640px) {
  .grid-2 {
    grid-template-columns: repeat(2, 1fr);
  }
  .grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 900px) {
  .grid-3 {
    grid-template-columns: repeat(3, 1fr);
  }
  .grid-4 {
    grid-template-columns: repeat(4, 1fr);
  }
}

/* --------------------------------------------------------------------------
   4. Buttons & Badges
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  padding: 0.85rem 1.6rem;
  min-height: 48px;
  min-width: 48px;
  font-family: var(--font-display);
  font-size: 0.95rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  text-decoration: none;
  border-radius: var(--radius-sm);
  border: 2px solid transparent;
  transition: all var(--transition-normal);
  white-space: nowrap;
  box-shadow: var(--shadow-sm);
}

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

.btn-primary:hover,
.btn-primary:focus-visible {
  background-color: var(--color-primary-dark);
  border-color: var(--color-primary-dark);
  color: var(--color-surface);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-gold {
  background-color: var(--color-gold-bright);
  color: var(--color-primary-dark);
  border-color: var(--color-gold-bright);
  font-weight: 700;
}

.btn-gold:hover,
.btn-gold:focus-visible {
  background-color: var(--color-gold-hover);
  border-color: var(--color-gold-hover);
  color: var(--color-primary-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

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

.btn-outline:hover,
.btn-outline:focus-visible {
  background-color: var(--color-primary);
  color: var(--color-surface);
  transform: translateY(-2px);
}

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

.btn-outline-gold:hover,
.btn-outline-gold:focus-visible {
  background-color: var(--color-gold-bright);
  color: var(--color-primary-dark);
}

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

.btn-outline-white:hover,
.btn-outline-white:focus-visible {
  background-color: var(--color-surface);
  color: var(--color-primary);
}

.badge {
  display: inline-flex;
  align-items: center;
  padding: 0.35rem 0.85rem;
  font-family: var(--font-display);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  border-radius: var(--radius-pill);
  background-color: var(--color-primary-surface);
  color: var(--color-primary);
  border: 1px solid rgba(0, 22, 137, 0.15);
}

.badge-gold {
  background-color: var(--color-gold-soft);
  color: var(--color-gold-accessible);
  border-color: rgba(194, 136, 7, 0.3);
}

/* --------------------------------------------------------------------------
   5. Sticky Navigation & Header
   -------------------------------------------------------------------------- */
/* Direct child of body, pinned at top on all screens */
header.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  width: 100%;
  background-color: var(--color-surface);
  box-shadow: 0 2px 14px rgba(0, 22, 137, 0.12);
  transition: all var(--transition-normal);
}

/* Top Compliance / Quick Action Utility Strip */
.top-bar {
  background-color: var(--color-primary-dark);
  color: var(--color-wheat);
  font-family: var(--font-display);
  font-size: 0.85rem;
  letter-spacing: 0.04em;
  padding-block: 0.4rem;
  border-bottom: 1px solid rgba(222, 219, 195, 0.2);
}

.top-bar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.5rem;
}

.top-bar-links {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  list-style: none;
  padding: 0;
  margin: 0;
}

.top-bar-links a {
  color: var(--color-wheat);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  transition: color var(--transition-fast);
}

.top-bar-links a:hover,
.top-bar-links a:focus-visible {
  color: var(--color-gold-bright);
}

.top-bar-tag {
  color: rgba(255, 255, 255, 0.8);
  font-size: 0.8rem;
  display: none;
}

@media (min-width: 768px) {
  .top-bar-tag {
    display: inline;
  }
}

/* Main Navigation Bar */
.main-nav-bar {
  padding-block: 0.65rem;
  background-color: var(--color-surface);
}

.main-nav-bar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

/* Brand Identity */
.brand-identity {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  text-decoration: none;
  color: var(--color-primary);
  min-height: 48px;
  flex-shrink: 0;
}

.brand-crest {
  width: 44px;
  height: 44px;
  flex-shrink: 0;
}

.brand-text-wrap {
  display: flex;
  flex-direction: column;
}

.brand-name {
  font-family: var(--font-display);
  font-size: clamp(1.15rem, 1rem + 0.5vw, 1.45rem);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-primary);
  line-height: 1.1;
}

.brand-tagline {
  font-family: var(--font-display);
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--color-gold-accessible);
  font-weight: 600;
}

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

@media (min-width: 980px) {
  .desktop-nav {
    display: flex;
    align-items: center;
    gap: 1.5rem;
  }
  
  .nav-list {
    display: flex;
    align-items: center;
    gap: 0.25rem;
    list-style: none;
    padding: 0;
    margin: 0;
  }

  .nav-link {
    font-family: var(--font-display);
    font-size: 0.95rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--color-primary);
    text-decoration: none;
    padding: 0.6rem 0.85rem;
    border-radius: var(--radius-sm);
    min-height: 44px;
    display: inline-flex;
    align-items: center;
    position: relative;
    transition: all var(--transition-fast);
  }

  .nav-link::after {
    content: '';
    position: absolute;
    bottom: 4px;
    left: 0.85rem;
    right: 0.85rem;
    height: 2px;
    background-color: var(--color-gold-bright);
    opacity: 0;
    transform: scaleX(0);
    transition: transform var(--transition-fast), opacity var(--transition-fast);
  }

  .nav-link:hover,
  .nav-link:focus-visible {
    color: var(--color-primary-light);
    background-color: var(--color-primary-surface);
  }

  .nav-link:hover::after,
  .nav-link:focus-visible::after {
    opacity: 1;
    transform: scaleX(1);
  }

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

  .nav-link.active::after {
    opacity: 1;
    transform: scaleX(1);
    background-color: var(--color-primary);
  }
}

/* Header CTAs */
.header-actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.portal-btn {
  display: none;
}

@media (min-width: 680px) {
  .portal-btn {
    display: inline-flex;
  }
}

/* Mobile Hamburger Toggle Button (min 48px touch target) */
.mobile-nav-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  min-width: 48px;
  min-height: 48px;
  padding: 8px;
  border-radius: var(--radius-sm);
  background-color: var(--color-primary-surface);
  color: var(--color-primary);
  border: 1px solid var(--color-border);
  transition: background-color var(--transition-fast);
}

.mobile-nav-toggle:hover,
.mobile-nav-toggle:focus-visible {
  background-color: var(--color-primary);
  color: var(--color-surface);
}

@media (min-width: 980px) {
  .mobile-nav-toggle {
    display: none;
  }
}

.hamburger-icon {
  width: 24px;
  height: 20px;
  position: relative;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.hamburger-line {
  display: block;
  width: 100%;
  height: 2.5px;
  background-color: currentColor;
  border-radius: 2px;
  transition: transform var(--transition-normal), opacity var(--transition-normal);
}

.mobile-nav-toggle[aria-expanded="true"] .hamburger-line:nth-child(1) {
  transform: translateY(8.5px) rotate(45deg);
}

.mobile-nav-toggle[aria-expanded="true"] .hamburger-line:nth-child(2) {
  opacity: 0;
}

.mobile-nav-toggle[aria-expanded="true"] .hamburger-line:nth-child(3) {
  transform: translateY(-8.5px) rotate(-45deg);
}

/* Mobile Navigation Drawer */
.mobile-drawer-overlay {
  position: fixed;
  inset: 0;
  background-color: rgba(0, 14, 87, 0.6);
  backdrop-filter: blur(4px);
  z-index: 1050;
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--transition-normal), visibility var(--transition-normal);
}

.mobile-drawer-overlay.is-active {
  opacity: 1;
  visibility: visible;
}

.mobile-drawer {
  position: fixed;
  top: 0;
  right: 0;
  bottom: 0;
  width: min(85vw, 360px);
  background-color: var(--color-surface);
  z-index: 1100;
  padding: 1.5rem;
  box-shadow: var(--shadow-xl);
  transform: translateX(100%);
  transition: transform var(--transition-normal);
  display: flex;
  flex-direction: column;
  overflow-y: auto;
}

.mobile-drawer.is-active {
  transform: translateX(0);
}

.mobile-drawer-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-bottom: 1rem;
  border-bottom: 1px solid var(--color-border);
  margin-bottom: 1.5rem;
}

.drawer-close-btn {
  width: 48px;
  height: 48px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-sm);
  background-color: var(--color-primary-surface);
  color: var(--color-primary);
}

.drawer-close-btn:hover,
.drawer-close-btn:focus-visible {
  background-color: var(--color-primary);
  color: var(--color-surface);
}

.mobile-drawer-nav {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  list-style: none;
  padding: 0;
  margin: 0 0 2rem 0;
}

.mobile-nav-item a {
  display: flex;
  align-items: center;
  padding: 0.85rem 1rem;
  min-height: 48px;
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 600;
  text-transform: uppercase;
  color: var(--color-primary);
  text-decoration: none;
  border-radius: var(--radius-sm);
  transition: background-color var(--transition-fast);
}

.mobile-nav-item a:hover,
.mobile-nav-item a:focus-visible,
.mobile-nav-item a.active {
  background-color: var(--color-primary-surface);
  color: var(--color-primary-dark);
}

.mobile-drawer-footer {
  margin-top: auto;
  padding-top: 1.5rem;
  border-top: 1px solid var(--color-border);
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

/* --------------------------------------------------------------------------
   6. Hero Banner Sections
   -------------------------------------------------------------------------- */
.hero-wrapper {
  position: relative;
  background-color: var(--color-primary-dark);
  color: var(--color-surface);
  overflow: hidden;
}

.hero-bg-scenic {
  position: absolute;
  inset: 0;
  background-image: linear-gradient(
    rgba(0, 14, 87, 0.82), 
    rgba(0, 14, 87, 0.88)
  ), url('./img/peter-aschoff-43266-unsplash.jpg');
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  z-index: 0;
}

.hero-bg-warm {
  position: absolute;
  inset: 0;
  background-image: linear-gradient(
    rgba(65, 50, 25, 0.88), 
    rgba(18, 24, 38, 0.92)
  ), url('./img/gabriel-garcia-marengo-40906-unsplash.jpg');
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  z-index: 0;
}

.hero-content {
  position: relative;
  z-index: 1;
  padding-block: clamp(3rem, 6vw, 6rem);
  max-width: 920px;
  margin-inline: auto;
  text-align: center;
}

.hero-subtitle {
  font-family: var(--font-display);
  font-size: clamp(1rem, 0.9rem + 0.5vw, 1.35rem);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.18em;
  color: var(--color-gold-bright);
  margin-bottom: 0.75rem;
  display: block;
}

.hero-title {
  color: var(--color-surface);
  margin-bottom: 1rem;
  font-size: clamp(2.1rem, 1.5rem + 3vw, 4rem);
  line-height: 1.15;
}

.hero-service-ribbon {
  display: inline-block;
  font-family: var(--font-display);
  font-size: clamp(0.85rem, 0.75rem + 0.4vw, 1.15rem);
  font-weight: 400;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--color-wheat);
  padding: 0.6rem 1.5rem;
  border-top: 1px solid rgba(255, 184, 25, 0.4);
  border-bottom: 1px solid rgba(255, 184, 25, 0.4);
  margin-bottom: 1.5rem;
  max-width: 100%;
}

.hero-service-ribbon .bullet {
  color: var(--color-gold-bright);
  margin-inline: 0.5rem;
}

.hero-lead {
  font-size: clamp(1.15rem, 1.05rem + 0.4vw, 1.4rem);
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.9);
  margin-inline: auto;
  margin-bottom: 2rem;
  max-width: 700px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 1rem;
}

/* Trust Metric Highlights Bar */
.trust-metrics-strip {
  background-color: var(--color-surface);
  border-bottom: 1px solid var(--color-border);
  box-shadow: var(--shadow-sm);
  position: relative;
  z-index: 2;
}

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

@media (min-width: 768px) {
  .trust-metrics-grid {
    grid-template-columns: repeat(4, 1fr);
    gap: 1.5rem;
  }
}

.metric-item {
  text-align: center;
  padding: 0.5rem;
  border-right: 1px solid var(--color-border);
}

.metric-item:last-child {
  border-right: none;
}

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

.metric-value {
  font-family: var(--font-display);
  font-size: clamp(1.75rem, 1.4rem + 1.2vw, 2.5rem);
  font-weight: 700;
  color: var(--color-primary);
  line-height: 1.1;
  display: block;
}

.metric-label {
  font-family: var(--font-display);
  font-size: 0.85rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-text-muted);
}

/* --------------------------------------------------------------------------
   7. Cards & Feature Panels
   -------------------------------------------------------------------------- */
.feature-card {
  background-color: var(--color-surface);
  border-radius: var(--radius-md);
  padding: clamp(1.5rem, 3vw, 2.25rem);
  box-shadow: var(--shadow-md);
  border: 1px solid var(--color-border);
  transition: transform var(--transition-normal), box-shadow var(--transition-normal), border-color var(--transition-normal);
  display: flex;
  flex-direction: column;
  height: 100%;
}

.feature-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-xl);
  border-color: rgba(0, 22, 137, 0.25);
}

.card-icon-box {
  width: 54px;
  height: 54px;
  border-radius: var(--radius-md);
  background-color: var(--color-primary-surface);
  color: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
}

.feature-card-title {
  color: var(--color-primary);
  font-size: 1.4rem;
  margin-bottom: 0.75rem;
}

.feature-card-body {
  color: var(--color-text);
  font-size: 1.05rem;
  flex-grow: 1;
}

/* Team Member Cards */
.team-card {
  background-color: var(--color-surface);
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--color-border);
  display: flex;
  flex-direction: column;
  transition: transform var(--transition-normal), box-shadow var(--transition-normal);
}

.team-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-xl);
}

.team-image-wrapper {
  position: relative;
  width: 100%;
  aspect-ratio: 3 / 4;
  overflow: hidden;
  background-color: var(--color-primary-dark);
}

.team-image-wrapper img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: top center;
  transition: transform var(--transition-slow);
}

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

.team-info {
  padding: 1.5rem 1.25rem;
  text-align: center;
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}

.team-name {
  font-size: 1.35rem;
  color: var(--color-primary);
  margin-bottom: 0.25rem;
}

.team-credentials {
  font-family: var(--font-display);
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--color-gold-accessible);
  letter-spacing: 0.05em;
  margin-bottom: 0.5rem;
}

.team-role {
  font-size: 0.92rem;
  color: var(--color-text-muted);
  margin-bottom: 1rem;
}

.team-card-actions {
  margin-top: auto;
  padding-top: 0.75rem;
}

/* --------------------------------------------------------------------------
   8. Split Media/Text Sections
   -------------------------------------------------------------------------- */
.split-layout {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-xl);
  align-items: center;
}

@media (min-width: 860px) {
  .split-layout {
    grid-template-columns: 1fr 1fr;
  }
}

.split-media {
  position: relative;
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}

.split-media img {
  width: 100%;
  height: auto;
  aspect-ratio: 16 / 11;
  object-fit: cover;
}

.split-content {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

/* --------------------------------------------------------------------------
   9. Interactive Services Tabs (Clean CSS + JS)
   -------------------------------------------------------------------------- */
.services-interactive-wrap {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  margin-top: 2rem;
}

@media (min-width: 900px) {
  .services-interactive-wrap {
    grid-template-columns: 320px 1fr;
    gap: 2rem;
  }
}

.services-tab-list {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  background-color: var(--color-surface);
  padding: 1rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-md);
  border: 1px solid var(--color-border);
}

.service-tab-btn {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1rem 1.25rem;
  min-height: 52px;
  text-align: left;
  font-family: var(--font-display);
  font-size: 1.05rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--color-primary);
  background: transparent;
  border: 1px solid transparent;
  border-radius: var(--radius-sm);
  transition: all var(--transition-fast);
}

.service-tab-btn:hover,
.service-tab-btn:focus-visible {
  background-color: var(--color-primary-surface);
  color: var(--color-primary-dark);
}

.service-tab-btn[aria-selected="true"] {
  background-color: var(--color-primary);
  color: var(--color-surface);
  border-color: var(--color-primary);
  box-shadow: var(--shadow-sm);
}

.service-tab-btn[aria-selected="true"] .tab-arrow {
  color: var(--color-gold-bright);
  transform: translateX(4px);
}

.tab-arrow {
  transition: transform var(--transition-fast);
}

.service-tab-panel {
  background-color: var(--color-surface);
  border-radius: var(--radius-md);
  padding: clamp(1.5rem, 3.5vw, 2.5rem);
  box-shadow: var(--shadow-md);
  border: 1px solid var(--color-border);
  display: none;
}

.service-tab-panel.is-active {
  display: block;
  animation: fadeIn 250ms ease-in-out;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(6px); }
  to { opacity: 1; transform: translateY(0); }
}

.service-panel-header {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 1.25rem;
  padding-bottom: 1rem;
  border-bottom: 2px solid var(--color-gold-bright);
}

.service-panel-title {
  color: var(--color-primary);
  font-size: clamp(1.4rem, 1.2rem + 0.8vw, 1.85rem);
  margin-bottom: 0;
}

.service-features-list {
  list-style: none;
  padding: 0;
  margin-top: 1.5rem;
  display: grid;
  grid-template-columns: 1fr;
  gap: 0.75rem;
}

@media (min-width: 600px) {
  .service-features-list {
    grid-template-columns: 1fr 1fr;
  }
}

.service-feature-item {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  font-size: 1.05rem;
}

.service-feature-icon {
  color: var(--color-gold-accessible);
  flex-shrink: 0;
  margin-top: 0.2rem;
}

/* --------------------------------------------------------------------------
   10. Comparison Table (Crowley Fiduciary vs Traditional Brokerage)
   -------------------------------------------------------------------------- */
.table-responsive-wrapper {
  width: 100%;
  overflow-x: auto;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-md);
  border: 1px solid var(--color-border);
  background-color: var(--color-surface);
  margin-top: 2rem;
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
  font-size: 1.05rem;
  min-width: 600px;
}

.comparison-table th {
  font-family: var(--font-display);
  font-size: 1.05rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 1.2rem 1.5rem;
  background-color: var(--color-primary-dark);
  color: var(--color-surface);
  border-bottom: 2px solid var(--color-gold-bright);
}

.comparison-table th.highlight-col {
  background-color: var(--color-primary);
  color: var(--color-gold-bright);
}

.comparison-table td {
  padding: 1rem 1.5rem;
  border-bottom: 1px solid var(--color-border);
}

.comparison-table tr:last-child td {
  border-bottom: none;
}

.comparison-table td.highlight-col {
  background-color: var(--color-primary-surface);
  font-weight: 600;
  color: var(--color-primary);
}

/* --------------------------------------------------------------------------
   11. FAQ Accordion (AEO / GEO Optimized)
   -------------------------------------------------------------------------- */
.faq-accordion {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  max-width: 860px;
  margin-inline: auto;
}

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

.faq-item:hover {
  border-color: var(--color-primary-light);
}

.faq-summary {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.25rem 1.5rem;
  cursor: pointer;
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--color-primary);
  list-style: none;
  min-height: 48px;
}

.faq-summary::-webkit-details-marker {
  display: none;
}

.faq-chevron {
  width: 20px;
  height: 20px;
  transition: transform var(--transition-normal);
  color: var(--color-gold-accessible);
  flex-shrink: 0;
}

.faq-item[open] .faq-chevron {
  transform: rotate(180deg);
}

.faq-content {
  padding: 0 1.5rem 1.5rem 1.5rem;
  color: var(--color-text);
  font-size: 1.05rem;
  line-height: 1.65;
  border-top: 1px solid var(--color-border);
  padding-top: 1rem;
}

/* --------------------------------------------------------------------------
   12. Contact Form & Portal Box
   -------------------------------------------------------------------------- */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-xl);
}

@media (min-width: 900px) {
  .contact-grid {
    grid-template-columns: 1.2fr 0.8fr;
  }
}

.contact-card {
  background-color: var(--color-surface);
  border-radius: var(--radius-md);
  padding: clamp(1.5rem, 3.5vw, 2.5rem);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--color-border);
}

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

.form-label {
  display: block;
  font-family: var(--font-display);
  font-size: 0.9rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-dark);
  margin-bottom: 0.35rem;
}

.form-label .required {
  color: var(--color-error);
}

.form-control {
  width: 100%;
  padding: 0.75rem 1rem;
  font-family: var(--font-body);
  font-size: 1.05rem;
  color: var(--color-dark);
  background-color: var(--color-wheat-light);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-sm);
  min-height: 48px;
  transition: border-color var(--transition-fast), background-color var(--transition-fast), box-shadow var(--transition-fast);
}

.form-control:focus {
  background-color: var(--color-surface);
  border-color: var(--color-primary);
  outline: 3px solid var(--color-gold-bright);
  outline-offset: 2px;
}

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

.form-status {
  padding: 1rem;
  border-radius: var(--radius-sm);
  margin-bottom: 1.25rem;
  display: none;
  font-size: 0.95rem;
}

.form-status.is-success {
  display: block;
  background-color: var(--color-success-bg);
  color: var(--color-success);
  border: 1px solid rgba(21, 128, 61, 0.3);
}

.form-status.is-error {
  display: block;
  background-color: var(--color-error-bg);
  color: var(--color-error);
  border: 1px solid rgba(185, 28, 28, 0.3);
}

/* Contact Details Info Card */
.info-card {
  background-color: var(--color-surface);
  border-radius: var(--radius-md);
  padding: clamp(1.5rem, 3.5vw, 2.5rem);
  box-shadow: var(--shadow-md);
  border: 1px solid var(--color-border);
  display: flex;
  flex-direction: column;
  gap: 1.75rem;
}

.info-block {
  display: flex;
  gap: 1rem;
}

.info-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-sm);
  background-color: var(--color-primary-surface);
  color: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.info-heading {
  font-size: 1.15rem;
  color: var(--color-primary);
  margin-bottom: 0.25rem;
}

.info-text {
  font-size: 1rem;
  color: var(--color-text);
  margin-bottom: 0;
}

.info-link {
  color: var(--color-primary);
  font-weight: 600;
  text-decoration: none;
}

.info-link:hover,
.info-link:focus-visible {
  color: var(--color-primary-light);
  text-decoration: underline;
}

/* Client Portal Promo Card */
.portal-promo-card {
  background: linear-gradient(135deg, var(--color-primary-dark), var(--color-primary));
  color: var(--color-surface);
  border-radius: var(--radius-md);
  padding: 2rem;
  box-shadow: var(--shadow-lg);
  border-top: 3px solid var(--color-gold-bright);
}

.portal-promo-card h3 {
  color: var(--color-surface);
  margin-bottom: 0.5rem;
}

.portal-promo-card p {
  color: rgba(255, 255, 255, 0.9);
  font-size: 1rem;
  margin-bottom: 1.25rem;
}

/* --------------------------------------------------------------------------
   13. Footer (Comprehensive, Accessible, Multi-Column)
   -------------------------------------------------------------------------- */
footer.site-footer {
  background-color: var(--color-primary-dark);
  color: var(--color-wheat);
  padding-top: var(--space-3xl);
  padding-bottom: var(--space-xl);
  margin-top: auto;
  border-top: 4px solid var(--color-gold-bright);
}

.footer-top {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-xl);
  padding-bottom: var(--space-2xl);
  border-bottom: 1px solid rgba(222, 219, 195, 0.2);
}

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

@media (min-width: 992px) {
  .footer-top {
    grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
  }
}

.footer-col-brand .footer-brand-title {
  font-size: 1.45rem;
  color: var(--color-surface);
  margin-bottom: 0.5rem;
}

.footer-desc {
  font-size: 0.95rem;
  color: rgba(255, 255, 255, 0.85);
  line-height: 1.6;
  margin-bottom: 1.25rem;
}

.footer-heading {
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-gold-bright);
  margin-bottom: 1.25rem;
}

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

.footer-links a {
  color: var(--color-wheat);
  text-decoration: none;
  font-family: var(--font-display);
  font-size: 0.95rem;
  letter-spacing: 0.04em;
  display: inline-flex;
  align-items: center;
  min-height: 36px;
  transition: color var(--transition-fast);
}

.footer-links a:hover,
.footer-links a:focus-visible {
  color: var(--color-gold-bright);
  transform: translateX(3px);
}

/* Compliance Accreditation Row in Footer */
.footer-compliance-row {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  padding-block: 2rem;
  border-bottom: 1px solid rgba(222, 219, 195, 0.2);
  align-items: center;
}

@media (min-width: 768px) {
  .footer-compliance-row {
    grid-template-columns: auto 1fr auto;
  }
}

.cfp-logo-wrap {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.cfp-logo-img {
  width: 130px;
  height: auto;
}

.brokercheck-logo-img {
  width: 140px;
  height: auto;
}

.compliance-legal-text {
  font-size: 0.8rem;
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.75);
}

.footer-bottom {
  padding-top: 1.5rem;
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.7);
}

.footer-bottom-links {
  display: flex;
  gap: 1.25rem;
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer-bottom-links a {
  color: var(--color-wheat);
  text-decoration: none;
}

.footer-bottom-links a:hover,
.footer-bottom-links a:focus-visible {
  color: var(--color-gold-bright);
}

/* --------------------------------------------------------------------------
   14. Back-to-Top Button
   -------------------------------------------------------------------------- */
.back-to-top {
  position: fixed;
  bottom: 24px;
  right: 24px;
  width: 50px;
  height: 50px;
  min-width: 48px;
  min-height: 48px;
  border-radius: 50%;
  background-color: var(--color-primary);
  color: var(--color-surface);
  border: 2px solid var(--color-gold-bright);
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  z-index: 990;
  opacity: 0;
  visibility: hidden;
  transform: translateY(12px);
  transition: opacity var(--transition-normal), visibility var(--transition-normal), transform var(--transition-normal), background-color var(--transition-fast);
}

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

.back-to-top:hover,
.back-to-top:focus-visible {
  background-color: var(--color-primary-dark);
  color: var(--color-gold-bright);
  transform: translateY(-3px);
  box-shadow: var(--shadow-xl);
}

/* --------------------------------------------------------------------------
   15. Accessible Modal Dialog
   -------------------------------------------------------------------------- */
.modal-dialog {
  border: none;
  border-radius: var(--radius-md);
  padding: 0;
  max-width: min(92vw, 600px);
  box-shadow: var(--shadow-xl);
  background-color: transparent;
  margin: auto;
}

.modal-dialog::backdrop {
  background-color: rgba(0, 14, 87, 0.65);
  backdrop-filter: blur(4px);
}

.modal-content {
  background-color: var(--color-surface);
  border-radius: var(--radius-md);
  padding: clamp(1.5rem, 4vw, 2.5rem);
  position: relative;
  border-top: 4px solid var(--color-primary);
}

.modal-close-btn {
  position: absolute;
  top: 1rem;
  right: 1rem;
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background-color: var(--color-primary-surface);
  color: var(--color-primary);
}

.modal-close-btn:hover,
.modal-close-btn:focus-visible {
  background-color: var(--color-primary);
  color: var(--color-surface);
}

/* --------------------------------------------------------------------------
   16. Print & Utility Styles
   -------------------------------------------------------------------------- */
@media print {
  header.site-header,
  .top-bar,
  .back-to-top,
  .mobile-nav-toggle,
  .btn,
  .modal-dialog {
    display: none !important;
  }

  body {
    background: none !important;
    color: #000 !important;
  }
}