/* ============================================================
   My Finance Capability Center (MyFCC) — Shared Site Styles
   ============================================================ */

:root{
  --navy:        #152A4E;
  --navy-dark:   #0E1D38;
  --navy-soft:   #2A4270;
  --gold:        #F0A93B;
  --gold-dark:   #C9821A;
  --cream:       #FBF3E3;
  --cream-2:     #F5EAD3;
  --ink:         #1B2436;
  --muted:       #5B6478;
  --line:        #E7DDC4;
  --white:       #FFFFFF;
  --radius:      14px;
  --shadow:      0 10px 30px rgba(21,42,78,0.08);
  --shadow-sm:   0 4px 14px rgba(21,42,78,0.06);
}

*,*::before,*::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
body{
  margin:0;
  font-family:"Segoe UI",-apple-system,BlinkMacSystemFont,Helvetica,Arial,sans-serif;
  color:var(--ink);
  background:var(--cream);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img{ max-width:100%; display:block; }
a{ color:inherit; text-decoration:none; }
ul{ list-style:none; margin:0; padding:0; }
h1,h2,h3,h4{ color:var(--navy); line-height:1.2; margin:0 0 14px; letter-spacing:-0.01em; }
h1{ font-size:clamp(32px,5vw,52px); }
h2{ font-size:clamp(26px,4vw,36px); }
h3{ font-size:20px; }
p{ margin:0 0 16px; color:var(--muted); }
.container{ max-width:1140px; margin:0 auto; padding:0 24px; }
section{ padding:80px 0; }
.section-tight{ padding:56px 0; }

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex; align-items:center; justify-content:center;
  padding:14px 28px; border-radius:999px; font-weight:600; font-size:15px;
  cursor:pointer; border:2px solid transparent; transition:all .2s ease;
}
.btn-primary{ background:var(--navy); color:var(--white); }
.btn-primary:hover{ background:var(--navy-dark); transform:translateY(-1px); }
.btn-gold{ background:var(--gold); color:var(--navy-dark); }
.btn-gold:hover{ background:var(--gold-dark); color:var(--white); transform:translateY(-1px); }
.btn-outline{ background:transparent; border-color:var(--navy); color:var(--navy); }
.btn-outline:hover{ background:var(--navy); color:var(--white); }
.btn-outline-light{ background:transparent; border-color:rgba(255,255,255,0.5); color:var(--white); }
.btn-outline-light:hover{ background:var(--white); color:var(--navy); border-color:var(--white); }

/* ---------- Eyebrow / badge ---------- */
.eyebrow{
  display:inline-block; font-size:13px; font-weight:700; letter-spacing:0.08em;
  text-transform:uppercase; color:var(--gold-dark); margin-bottom:14px;
}
.badge{
  display:inline-block; background:rgba(240,169,59,0.18); color:#8A5A0E;
  font-size:13px; font-weight:600; padding:6px 14px; border-radius:999px;
}
.cta-band .badge, .section-navy .badge{
  background:rgba(240,169,59,0.22); color:var(--gold);
}

/* ---------- Header / Nav ---------- */
header.site-header{
  position:sticky; top:0; z-index:50;
  background:var(--cream); border-bottom:1px solid var(--line);
}
.nav-wrap{
  display:flex; align-items:center; justify-content:space-between;
  padding:18px 24px; max-width:1140px; margin:0 auto;
}
.logo{ display:flex; align-items:center; gap:10px; font-weight:800; font-size:19px; color:var(--navy); }
.logo .mark{
  width:38px; height:38px; border-radius:10px; background:var(--navy);
  color:var(--gold); display:flex; align-items:center; justify-content:center;
  font-size:13px; font-weight:800; letter-spacing:0.02em;
}
nav.main-nav ul{ display:flex; gap:32px; align-items:center; }
nav.main-nav a{
  font-size:15px; font-weight:600; color:var(--navy-soft); padding:6px 2px;
  border-bottom:2px solid transparent; transition:all .15s ease;
}
nav.main-nav a:hover, nav.main-nav a.active{ color:var(--navy); border-bottom-color:var(--gold); }
.nav-cta{ display:flex; align-items:center; gap:18px; }
.nav-toggle{ display:none; background:none; border:none; cursor:pointer; padding:6px; }
.nav-toggle span{ display:block; width:24px; height:2px; background:var(--navy); margin:5px 0; }

@media (max-width: 860px){
  nav.main-nav{
    position:absolute; top:100%; left:0; right:0; background:var(--cream);
    border-bottom:1px solid var(--line); flex-direction:column; padding:8px 24px 20px;
    display:none;
  }
  nav.main-nav.open{ display:block; }
  nav.main-nav ul{ flex-direction:column; align-items:flex-start; gap:4px; }
  nav.main-nav li{ width:100%; }
  nav.main-nav a{ display:block; padding:12px 0; }
  .nav-toggle{ display:block; }
  .nav-cta .btn{ display:none; }
}

/* ---------- Hero ---------- */
.hero{ padding:72px 0 64px; }
.hero-grid{ display:grid; grid-template-columns:1.1fr 0.9fr; gap:48px; align-items:center; }
.hero p.lead{ font-size:18px; color:var(--muted); max-width:560px; }
.hero-actions{ display:flex; gap:14px; margin-top:28px; flex-wrap:wrap; }
.hero-art{
  background:var(--navy); border-radius:24px; min-height:340px;
  display:flex; align-items:center; justify-content:center; overflow:hidden;
  position:relative; box-shadow:var(--shadow);
}
.hero-art .glow{
  position:absolute; width:340px; height:340px; border-radius:50%;
  background:radial-gradient(circle,rgba(240,169,59,0.35),transparent 70%);
}
.hero-art .stat-card{
  position:relative; background:var(--white); border-radius:16px; padding:22px 26px;
  box-shadow:0 12px 28px rgba(0,0,0,0.18); text-align:left; max-width:230px;
}
.hero-art .stat-card + .stat-card{ margin-top:14px; }
.hero-stack{ display:flex; flex-direction:column; gap:14px; padding:28px; }
.stat-card .num{ font-size:26px; font-weight:800; color:var(--navy); }
.stat-card .label{ font-size:13px; color:var(--muted); margin:0; }
@media (max-width:900px){ .hero-grid{ grid-template-columns:1fr; } .hero-art{ order:-1; min-height:260px; } }

/* ---------- Cards / Grids ---------- */
.grid{ display:grid; gap:28px; }
.grid-3{ grid-template-columns:repeat(3,1fr); }
.grid-2{ grid-template-columns:repeat(2,1fr); }
@media (max-width:860px){ .grid-3, .grid-2{ grid-template-columns:1fr; } }

.card{
  background:var(--white); border:1px solid var(--line); border-radius:var(--radius);
  padding:30px; box-shadow:var(--shadow-sm);
}
.card .icon{
  width:44px; height:44px; border-radius:12px; background:rgba(240,169,59,0.16);
  display:flex; align-items:center; justify-content:center; color:var(--gold-dark);
  font-weight:800; margin-bottom:16px; font-size:18px;
}
.card h3{ margin-bottom:10px; }
.card p{ margin-bottom:0; font-size:15px; }

.problem-card{ border-top:3px solid var(--gold); }

/* ---------- Alt background sections ---------- */
.section-navy{ background:var(--navy); color:var(--white); }
.section-navy h2, .section-navy h3{ color:var(--white); }
.section-navy p{ color:rgba(255,255,255,0.75); }
.section-cream2{ background:var(--cream-2); }

/* ---------- Section header ---------- */
.section-head{ max-width:680px; margin:0 auto 44px; text-align:center; }
.section-head.left{ margin:0 0 44px; text-align:left; }

/* ---------- Lifecycle / stage strip ---------- */
.stage-strip{ display:flex; gap:0; overflow-x:auto; border-radius:var(--radius); box-shadow:var(--shadow-sm); }
.stage{
  flex:1; min-width:170px; background:var(--white); padding:26px 22px; border-right:1px solid var(--line);
  position:relative;
}
.stage:last-child{ border-right:none; }
.stage .n{ font-size:12px; font-weight:800; color:var(--gold-dark); letter-spacing:0.06em; }
.stage h4{ color:var(--navy); font-size:16px; margin:8px 0 6px; }
.stage p{ font-size:13px; margin:0; }

/* ---------- Service list (accordion-style static) ---------- */
.service-block{ border:1px solid var(--line); border-radius:var(--radius); background:var(--white); padding:32px; margin-bottom:24px; box-shadow:var(--shadow-sm); }
.service-block h3{ display:flex; align-items:center; gap:12px; }
.service-block h3 .tag{
  font-size:11px; font-weight:800; letter-spacing:0.06em; text-transform:uppercase;
  background:rgba(21,42,78,0.08); color:var(--navy); padding:4px 10px; border-radius:999px;
}
.service-cols{ display:grid; grid-template-columns:repeat(2,1fr); gap:10px 32px; margin-top:16px; }
@media (max-width:700px){ .service-cols{ grid-template-columns:1fr; } }
.service-cols li{ font-size:14.5px; color:var(--ink); padding:8px 0 8px 22px; position:relative; border-bottom:1px dashed var(--line); }
.service-cols li:before{ content:"\2192"; position:absolute; left:0; color:var(--gold-dark); font-weight:700; }

/* ---------- Quote / stat band ---------- */
.stat-band{ display:grid; grid-template-columns:repeat(4,1fr); gap:24px; text-align:center; }
@media (max-width:700px){ .stat-band{ grid-template-columns:repeat(2,1fr); } }
.stat-band .figure{ font-size:32px; font-weight:800; color:var(--gold); }
.stat-band .caption{ font-size:13px; color:rgba(255,255,255,0.7); margin-top:4px; }

/* ---------- CTA band ---------- */
.cta-band{
  background:linear-gradient(135deg,var(--navy),var(--navy-soft)); border-radius:24px;
  padding:56px; text-align:center; color:var(--white);
}
.cta-band h2{ color:var(--white); }
.cta-band p{ color:rgba(255,255,255,0.75); max-width:520px; margin:0 auto 26px; }

/* ---------- Forms ---------- */
.form-grid{ display:grid; grid-template-columns:1fr 1fr; gap:18px; }
@media (max-width:700px){ .form-grid{ grid-template-columns:1fr; } }
.field{ display:flex; flex-direction:column; gap:6px; }
.field.full{ grid-column:1 / -1; }
label{ font-size:13px; font-weight:600; color:var(--navy); }
input,textarea,select{
  font-family:inherit; font-size:15px; padding:12px 14px; border-radius:10px;
  border:1px solid var(--line); background:var(--white); color:var(--ink);
}
input:focus,textarea:focus,select:focus{ outline:2px solid var(--gold); border-color:var(--gold); }
textarea{ resize:vertical; min-height:130px; }

/* ---------- Footer ---------- */
footer.site-footer{ background:var(--navy-dark); color:rgba(255,255,255,0.65); padding:56px 0 28px; }
.footer-grid{ display:grid; grid-template-columns:1.4fr 1fr 1fr 1fr; gap:32px; margin-bottom:40px; }
@media (max-width:800px){ .footer-grid{ grid-template-columns:1fr 1fr; } }
footer.site-footer h4{ color:var(--white); font-size:14px; margin-bottom:14px; letter-spacing:0.03em; }
footer.site-footer a{ display:block; font-size:14px; color:rgba(255,255,255,0.65); margin-bottom:10px; }
footer.site-footer a:hover{ color:var(--gold); }
.footer-bottom{ border-top:1px solid rgba(255,255,255,0.12); padding-top:22px; font-size:13px; display:flex; justify-content:space-between; flex-wrap:wrap; gap:10px; }
.footer-logo{ display:flex; align-items:center; gap:10px; font-weight:800; color:var(--white); font-size:18px; margin-bottom:14px; }
.footer-logo .mark{ width:34px; height:34px; border-radius:9px; background:var(--gold); color:var(--navy-dark); display:flex; align-items:center; justify-content:center; font-size:12px; font-weight:800; }

/* ---------- Misc ---------- */
.divider-gold{ width:56px; height:3px; background:var(--gold); border-radius:2px; margin-bottom:22px; }
.pill-row{ display:flex; gap:10px; flex-wrap:wrap; margin-top:18px; }
.pill{ font-size:13px; font-weight:600; background:var(--white); border:1px solid var(--line); padding:8px 14px; border-radius:999px; color:var(--navy); }