/* =============================================================
   Finsenz Wealth Advisory – Main Stylesheet
   WCAG 2.1 Level AA Compliant
   ============================================================= */

/* ── CSS Custom Properties ──────────────────────────────────── */
:root {
  /* Brand colours */
  --colour-navy:        #1A3A5C;   /* Primary */
  --colour-navy-dark:   #0F2340;   /* Hover / focus */
  --colour-navy-light:  #E8EFF6;   /* Backgrounds */
  --colour-gold:        #C9943A;   /* Accent – passes 3:1 on white for large text */
  --colour-gold-dark:   #A37828;   /* Hover */
  --colour-white:       #FFFFFF;
  --colour-off-white:   #F7F9FC;
  --colour-text:        #1A1A2E;   /* 15.8:1 on white – AAA */
  --colour-text-muted:  #4A5568;   /* 7.2:1 on white – AAA */
  --colour-border:      #C4CDD6;
  --colour-error:       #CC0000;
  --colour-success:     #166534;
  --colour-focus:       #005FCC;   /* High-vis focus ring */

  /* Typography */
  --font-sans:  "Segoe UI", "Helvetica Neue", Arial, sans-serif;
  --font-serif: Georgia, "Times New Roman", serif;

  /* Spacing */
  --space-xs:   0.25rem;
  --space-sm:   0.5rem;
  --space-md:   1rem;
  --space-lg:   1.5rem;
  --space-xl:   2rem;
  --space-2xl:  3rem;
  --space-3xl:  4rem;

  /* Layout */
  --max-width: 1200px;
  --header-h:  72px;
  --radius:    6px;
  --shadow-sm: 0 1px 3px rgba(0,0,0,.12), 0 1px 2px rgba(0,0,0,.08);
  --shadow-md: 0 4px 12px rgba(0,0,0,.12);
  --transition: 200ms ease;
}

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

html {
  font-size: 100%;           /* Respect user browser preference */
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-sans);
  font-size: 1rem;
  line-height: 1.6;
  color: var(--colour-text);
  background: var(--colour-white);
  -webkit-font-smoothing: antialiased;
}

img, svg { max-width: 100%; display: block; }
a { color: var(--colour-navy); text-decoration: underline; }
a:hover { color: var(--colour-navy-dark); }

/* ── Skip Navigation (WCAG 2.4.1) ──────────────────────────── */
.skip-link {
  position: absolute;
  top: -999px;
  left: 1rem;
  background: var(--colour-navy);
  color: var(--colour-white);
  padding: 0.75rem 1.25rem;
  font-weight: 700;
  border-radius: 0 0 var(--radius) var(--radius);
  z-index: 9999;
  text-decoration: none;
}
.skip-link:focus {
  top: 0;
  outline: 3px solid var(--colour-focus);
  outline-offset: 2px;
}

/* ── Focus styles (WCAG 2.4.7) ─────────────────────────────── */
:focus-visible {
  outline: 3px solid var(--colour-focus);
  outline-offset: 3px;
  border-radius: 2px;
}
/* Remove default outline only when focus-visible is supported */
:focus:not(:focus-visible) { outline: none; }

/* ── Container ──────────────────────────────────────────────── */
.container {
  max-width: var(--max-width);
  margin-inline: auto;
  padding-inline: var(--space-lg);
}

/* ── Header / Navigation ────────────────────────────────────── */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--colour-navy);
  box-shadow: var(--shadow-md);
}

.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--header-h);
}

/* Logo */
.site-logo {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  text-decoration: none;
}
.site-logo__mark {
  width: 42px;
  height: 42px;
  background: var(--colour-gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 1.1rem;
  color: var(--colour-navy);
  flex-shrink: 0;
}
.site-logo__text {
  display: flex;
  flex-direction: column;
  line-height: 1.2;
}
.site-logo__name {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--colour-white);
  letter-spacing: .02em;
}
.site-logo__tagline {
  font-size: 0.65rem;
  color: var(--colour-gold);
  letter-spacing: .06em;
  text-transform: uppercase;
}

/* Logo image (real PNG) */
.site-logo__img {
  height: 46px;
  width: auto;
  display: block;
  object-fit: contain;
}
.site-logo__img--footer {
  height: 44px;
}
/* Split name: "Finsenz" big, "Wealth Advisory" small */
.site-logo__name-line {
  display: flex;
  align-items: baseline;
  gap: 0.35rem;
  line-height: 1.1;
}
.site-logo__name-main {
  font-size: 1.65rem;
  font-weight: 800;
  color: var(--colour-white);
  letter-spacing: .02em;
  line-height: 1.1;
}
.site-logo__name-sub {
  font-size: 0.72rem;
  font-weight: 500;
  color: rgba(255,255,255,.8);
  letter-spacing: .08em;
  text-transform: uppercase;
  line-height: 1.2;
}

/* Primary nav */
.primary-nav { display: flex; align-items: center; gap: var(--space-xs); }
.primary-nav__list { list-style: none; display: flex; gap: var(--space-xs); }
.primary-nav__link {
  display: block;
  padding: 0.5rem 0.85rem;
  color: var(--colour-white);
  text-decoration: none;
  font-size: 0.9rem;
  font-weight: 500;
  border-radius: var(--radius);
  transition: background var(--transition), color var(--transition);
}
.primary-nav__link:hover,
.primary-nav__link[aria-current="page"] {
  background: rgba(255,255,255,.15);
  color: var(--colour-gold);
}
.primary-nav__link[aria-current="page"] { font-weight: 700; }

/* CTA nav button */
.nav-cta {
  display: inline-flex;
  align-items: center;
  padding: 0.55rem 1.1rem;
  background: var(--colour-gold);
  color: var(--colour-navy) !important;
  font-weight: 700;
  border-radius: var(--radius);
  text-decoration: none;
  font-size: 0.9rem;
  transition: background var(--transition);
  margin-left: var(--space-sm);
}
.nav-cta:hover { background: var(--colour-gold-dark); color: var(--colour-white) !important; }

/* Mobile menu toggle */
.menu-toggle {
  display: none;
  background: none;
  border: 2px solid var(--colour-white);
  color: var(--colour-white);
  border-radius: var(--radius);
  padding: 0.4rem 0.6rem;
  cursor: pointer;
  font-size: 1.25rem;
  line-height: 1;
}

/* ── Page Hero ──────────────────────────────────────────────── */
.hero {
  background: linear-gradient(135deg, var(--colour-navy) 0%, #0F2340 100%);
  color: var(--colour-white);
  padding: var(--space-3xl) 0;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' xmlns='http://www.w3.org/2000/svg'%3E%3Ccircle cx='1' cy='1' r='1' fill='rgba(201,148,58,.08)'/%3E%3C/svg%3E") repeat;
  pointer-events: none;
}
.hero__inner {
  position: relative;
  z-index: 1;
  max-width: 760px;
}
.hero__eyebrow {
  display: inline-block;
  background: rgba(201,148,58,.2);
  color: var(--colour-gold);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  padding: 0.35rem 0.9rem;
  border-radius: 2rem;
  margin-bottom: var(--space-md);
  border: 1px solid rgba(201,148,58,.4);
}
.hero__title {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 5vw, 3.25rem);
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: var(--space-lg);
  color: var(--colour-white);
}
.hero__title span { color: var(--colour-gold); }
.hero__subtitle {
  font-size: 1.15rem;
  line-height: 1.7;
  color: rgba(255,255,255,.85);
  margin-bottom: var(--space-xl);
  max-width: 600px;
}
.hero__actions { display: flex; gap: var(--space-md); flex-wrap: wrap; }

/* ── Buttons ────────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  padding: 0.75rem 1.75rem;
  border-radius: var(--radius);
  font-weight: 700;
  font-size: 1rem;
  text-decoration: none;
  border: 2px solid transparent;
  cursor: pointer;
  transition: background var(--transition), color var(--transition), border-color var(--transition);
  line-height: 1.2;
}
.btn--primary {
  background: var(--colour-gold);
  color: var(--colour-navy);
  border-color: var(--colour-gold);
}
.btn--primary:hover {
  background: var(--colour-gold-dark);
  border-color: var(--colour-gold-dark);
  color: var(--colour-white);
}
.btn--outline {
  background: transparent;
  color: var(--colour-white);
  border-color: rgba(255,255,255,.6);
}
.btn--outline:hover {
  background: rgba(255,255,255,.1);
  border-color: var(--colour-white);
}
.btn--navy {
  background: var(--colour-navy);
  color: var(--colour-white);
  border-color: var(--colour-navy);
}
.btn--navy:hover {
  background: var(--colour-navy-dark);
  border-color: var(--colour-navy-dark);
}

/* ── Section utilities ──────────────────────────────────────── */
.section { padding: var(--space-3xl) 0; }
.section--alt { background: var(--colour-off-white); }
.section--navy { background: var(--colour-navy); color: var(--colour-white); }

.section__header { text-align: center; max-width: 680px; margin: 0 auto var(--space-2xl); }
.section__eyebrow {
  display: inline-block;
  color: var(--colour-gold);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  margin-bottom: var(--space-sm);
}
.section--navy .section__eyebrow { color: var(--colour-gold); }

h1, h2, h3, h4 { font-family: var(--font-serif); line-height: 1.25; color: var(--colour-navy); }
.section--navy h2, .section--navy h3 { color: var(--colour-white); }

h1 { font-size: clamp(1.75rem, 4vw, 2.75rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.25rem); margin-bottom: var(--space-md); }
h3 { font-size: 1.25rem; margin-bottom: var(--space-sm); }
h4 { font-size: 1.05rem; margin-bottom: var(--space-xs); font-family: var(--font-sans); }

.lead { font-size: 1.1rem; color: var(--colour-text-muted); line-height: 1.75; }
.section--navy .lead { color: rgba(255,255,255,.8); }

/* ── Card grid ──────────────────────────────────────────────── */
.card-grid { display: grid; gap: var(--space-lg); }
.card-grid--3 { grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.card-grid--2 { grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); }

.card {
  background: var(--colour-white);
  border: 1px solid var(--colour-border);
  border-radius: var(--radius);
  padding: var(--space-xl);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition), transform var(--transition);
}
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.card__icon {
  width: 48px; height: 48px;
  background: var(--colour-navy-light);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: var(--space-md);
  color: var(--colour-navy);
  font-size: 1.25rem;
  flex-shrink: 0;
}
.card__title { color: var(--colour-navy); margin-bottom: 0.5rem; }
.card__text { color: var(--colour-text-muted); font-size: 0.95rem; line-height: 1.6; }

/* ── Trust / Compliance badge strip ────────────────────────── */
.trust-strip {
  background: var(--colour-navy-light);
  border-top: 1px solid var(--colour-border);
  border-bottom: 1px solid var(--colour-border);
  padding: var(--space-md) 0;
}
.trust-strip__inner {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-lg);
  align-items: center;
  justify-content: center;
}
.trust-badge {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--colour-navy);
}
.trust-badge__icon {
  width: 32px; height: 32px;
  background: var(--colour-navy);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--colour-white);
  font-size: 0.9rem;
  flex-shrink: 0;
}

/* ── Page banner (inner pages) ──────────────────────────────── */
.page-banner {
  background: linear-gradient(135deg, var(--colour-navy) 0%, #0F2340 100%);
  color: var(--colour-white);
  padding: var(--space-2xl) 0;
  text-align: center;
}
.page-banner h1 { color: var(--colour-white); }
.page-banner__sub { color: rgba(255,255,255,.8); margin-top: var(--space-sm); font-size: 1.05rem; }

/* Breadcrumb */
.breadcrumb { margin-top: var(--space-sm); font-size: 0.85rem; }
.breadcrumb a { color: rgba(255,255,255,.7); text-decoration: none; }
.breadcrumb a:hover { color: var(--colour-gold); }
.breadcrumb span { color: rgba(255,255,255,.5); margin: 0 0.4rem; }

/* ── Forms ──────────────────────────────────────────────────── */
.form-group { display: flex; flex-direction: column; gap: var(--space-xs); margin-bottom: var(--space-md); }
.form-label { font-weight: 600; font-size: 0.9rem; color: var(--colour-text); }
.form-label .required { color: var(--colour-error); margin-left: 2px; }
.form-input, .form-select, .form-textarea {
  width: 100%;
  padding: 0.65rem 0.9rem;
  border: 2px solid var(--colour-border);
  border-radius: var(--radius);
  font-size: 1rem;
  font-family: var(--font-sans);
  color: var(--colour-text);
  background: var(--colour-white);
  transition: border-color var(--transition);
  line-height: 1.5;
}
.form-input:hover, .form-select:hover, .form-textarea:hover { border-color: var(--colour-navy); }
.form-input:focus, .form-select:focus, .form-textarea:focus {
  border-color: var(--colour-focus);
  outline: 3px solid rgba(0,95,204,.3);
  outline-offset: 0;
}
.form-textarea { resize: vertical; min-height: 120px; }
.form-hint { font-size: 0.82rem; color: var(--colour-text-muted); }
.form-error { font-size: 0.82rem; color: var(--colour-error); font-weight: 600; display: none; }
.form-error[aria-live="polite"] { display: block; }

/* ── Tables ─────────────────────────────────────────────────── */
.table-wrapper { overflow-x: auto; -webkit-overflow-scrolling: touch; }
table { width: 100%; border-collapse: collapse; font-size: 0.95rem; }
thead { background: var(--colour-navy); color: var(--colour-white); }
th { padding: 0.75rem 1rem; text-align: left; font-weight: 700; }
td { padding: 0.75rem 1rem; border-bottom: 1px solid var(--colour-border); }
tbody tr:nth-child(even) { background: var(--colour-off-white); }
tbody tr:hover { background: var(--colour-navy-light); }

/* ── Blog cards ─────────────────────────────────────────────── */
.blog-card {
  background: var(--colour-white);
  border: 1px solid var(--colour-border);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition), transform var(--transition);
  display: flex;
  flex-direction: column;
}
.blog-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.blog-card__thumb {
  height: 180px;
  background: linear-gradient(135deg, var(--colour-navy) 0%, var(--colour-navy-dark) 100%);
  display: flex; align-items: center; justify-content: center;
  color: var(--colour-gold);
  font-size: 2.5rem;
}
.blog-card__body { padding: var(--space-lg); flex: 1; display: flex; flex-direction: column; }
.blog-card__meta { font-size: 0.8rem; color: var(--colour-text-muted); margin-bottom: var(--space-sm); }
.blog-card__title { color: var(--colour-navy); margin-bottom: var(--space-sm); font-size: 1.1rem; }
.blog-card__excerpt { color: var(--colour-text-muted); font-size: 0.9rem; flex: 1; margin-bottom: var(--space-md); }
.blog-card__link {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--colour-navy);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
}
.blog-card__link:hover { color: var(--colour-gold-dark); }

/* ── Disclosure / compliance ────────────────────────────────── */
.disclosure-section {
  border: 1px solid var(--colour-border);
  border-radius: var(--radius);
  margin-bottom: var(--space-lg);
  overflow: hidden;
}
.disclosure-section__header {
  background: var(--colour-navy-light);
  padding: var(--space-md) var(--space-lg);
  display: flex;
  align-items: center;
  gap: var(--space-sm);
}
.disclosure-section__header h3 { font-size: 1rem; color: var(--colour-navy); margin: 0; font-family: var(--font-sans); font-weight: 700; }
.disclosure-section__body { padding: var(--space-lg); }
.disclosure-section__body p { margin-bottom: var(--space-sm); color: var(--colour-text-muted); font-size: 0.92rem; line-height: 1.7; }
.disclosure-section__body p:last-child { margin-bottom: 0; }
.disclosure-section__body ul { padding-left: 1.4rem; color: var(--colour-text-muted); font-size: 0.92rem; line-height: 1.8; }

/* Important notice */
.notice {
  border-left: 4px solid var(--colour-gold);
  background: #FFF9EE;
  padding: var(--space-md) var(--space-lg);
  border-radius: 0 var(--radius) var(--radius) 0;
  margin: var(--space-lg) 0;
}
.notice p { font-size: 0.9rem; color: var(--colour-text-muted); margin: 0; }
.notice strong { color: var(--colour-text); }

/* Alert / info box */
.alert {
  padding: var(--space-md) var(--space-lg);
  border-radius: var(--radius);
  font-size: 0.9rem;
  line-height: 1.6;
  margin-bottom: var(--space-md);
}
.alert--info { background: #E8F0FB; color: #1A3A5C; border-left: 4px solid var(--colour-navy); }
.alert--warning { background: #FEF3C7; color: #92400E; border-left: 4px solid #D97706; }

/* ── Footer ─────────────────────────────────────────────────── */
.site-footer {
  background: var(--colour-navy-dark);
  color: rgba(255,255,255,.75);
  padding-top: var(--space-3xl);
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: var(--space-xl);
  padding-bottom: var(--space-2xl);
}
.footer-brand p { font-size: 0.88rem; line-height: 1.7; margin-top: var(--space-sm); color: rgba(255,255,255,.65); }
.footer-col h4 { color: var(--colour-white); font-size: 0.85rem; letter-spacing: .06em; text-transform: uppercase; margin-bottom: var(--space-md); font-family: var(--font-sans); font-weight: 700; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: var(--space-xs); }
.footer-col a { color: rgba(255,255,255,.65); text-decoration: none; font-size: 0.88rem; transition: color var(--transition); }
.footer-col a:hover { color: var(--colour-gold); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  padding: var(--space-lg) 0;
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-md);
  justify-content: space-between;
  align-items: center;
  font-size: 0.82rem;
  color: rgba(255,255,255,.5);
}
.footer-bottom a { color: rgba(255,255,255,.65); text-decoration: none; }
.footer-bottom a:hover { color: var(--colour-gold); }
.sebi-reg-badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-xs);
  background: rgba(201,148,58,.15);
  border: 1px solid rgba(201,148,58,.4);
  border-radius: var(--radius);
  padding: 0.4rem 0.8rem;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--colour-gold);
}

/* ── Responsive / Mobile ────────────────────────────────────── */
@media (max-width: 900px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  :root { --space-3xl: 2.5rem; }

  /* Mobile navigation */
  .menu-toggle { display: block; }
  .primary-nav {
    position: absolute;
    top: var(--header-h);
    left: 0; right: 0;
    background: var(--colour-navy-dark);
    flex-direction: column;
    align-items: stretch;
    padding: var(--space-md);
    border-top: 2px solid rgba(255,255,255,.1);
    display: none;
  }
  .primary-nav.is-open { display: flex; }
  .primary-nav__list { flex-direction: column; }
  .primary-nav__link { padding: 0.75rem 1rem; }
  .nav-cta { margin: var(--space-sm) 0 0; text-align: center; }

  /* Stack hero actions */
  .hero__actions { flex-direction: column; }
  .hero__actions .btn { width: fit-content; }

  /* Footer stack */
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
}

@media (max-width: 480px) {
  .container { padding-inline: var(--space-md); }
}

/* ── Utility classes ────────────────────────────────────────── */
.text-center { text-align: center; }
.text-gold { color: var(--colour-gold); }
.mt-sm { margin-top: var(--space-sm); }
.mt-md { margin-top: var(--space-md); }
.mt-lg { margin-top: var(--space-lg); }
.mt-xl { margin-top: var(--space-xl); }
.mb-md { margin-bottom: var(--space-md); }
.mb-lg { margin-bottom: var(--space-lg); }
.visually-hidden {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}

/* ── Print styles (basic) ───────────────────────────────────── */
@media print {
  .site-header, .site-footer, .hero__actions, .skip-link { display: none; }
  body { font-size: 12pt; color: #000; }
  a { color: #000; text-decoration: underline; }
}