/* ═══════════════════════════════════════
   CM Financialz — styles.css
   ═══════════════════════════════════════ */

/* ─── TOKENS ─────────────────────────── */
:root {
  --navy:        #1B2A4A;
  --deep-navy:   #0E1C2F;
  --gold:        #C9A84C;
  --gold-20:     rgba(201,168,76,0.20);
  --gold-25:     rgba(201,168,76,0.25);
  --white:       #FFFFFF;
  --light-gray:  #F5F5F5;
  --border-gray: #E0E0E0;
  --text-gray:   #444444;
  --muted-gray:  #888888;

  --font-serif:  'EB Garamond', Georgia, serif;
  --font-sans:   'Inter', system-ui, sans-serif;

  --nav-height:  72px;
  --radius:      6px;
  --transition:  0.2s ease;
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-sans);
  color: var(--text-gray);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }

/* ─── LAYOUT ─────────────────────────── */
.container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
}

section { scroll-margin-top: var(--nav-height); }

/* ─── TYPOGRAPHY ─────────────────────── */
h1, h2, h3 { font-family: var(--font-serif); line-height: 1.2; }

h1 { font-size: clamp(2.4rem, 5vw, 3.6rem); font-weight: 500; }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.6rem); font-weight: 500; }
h3 { font-size: 1.2rem; font-weight: 600; }

p { line-height: 1.7; }

.eyebrow {
  font-family: var(--font-sans);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}

.eyebrow-dark {
  color: var(--gold);
}

/* ─── BUTTONS ────────────────────────── */
.btn {
  display: inline-block;
  padding: 13px 28px;
  border-radius: var(--radius);
  font-family: var(--font-sans);
  font-size: 0.875rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  transition: opacity var(--transition), background var(--transition), color var(--transition);
  cursor: pointer;
  white-space: nowrap;
}

.btn-gold {
  background: var(--gold);
  color: var(--deep-navy);
}
.btn-gold:hover { opacity: 0.88; }

.btn-ghost {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,0.4);
}
.btn-ghost:hover { border-color: var(--white); background: rgba(255,255,255,0.06); }

.btn-outline-navy {
  background: transparent;
  color: var(--navy);
  border: 1.5px solid var(--navy);
}
.btn-outline-navy:hover { background: var(--navy); color: var(--white); }

.btn-lg { padding: 16px 36px; font-size: 1rem; }

/* ─── NAV ────────────────────────────── */
.nav-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--deep-navy);
  border-bottom: 1px solid var(--gold-20);
  height: var(--nav-height);
}

.nav-inner {
  display: flex;
  align-items: center;
  height: 100%;
  gap: 32px;
}

.nav-logo-link { flex-shrink: 0; line-height: 0; }
.nav-logo { height: 52px; width: auto; }

.nav-links {
  display: flex;
  gap: 28px;
  margin-left: auto;
}

.nav-links a {
  font-size: 0.875rem;
  font-weight: 500;
  color: rgba(255,255,255,0.75);
  transition: color var(--transition);
}
.nav-links a:hover { color: var(--white); }

.nav-cta { margin-left: 8px; }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 6px;
  margin-left: auto;
}

.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: transform var(--transition), opacity var(--transition);
}

.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-nav {
  display: none;
  background: var(--deep-navy);
  border-top: 1px solid var(--gold-20);
  overflow: hidden;
  max-height: 0;
  transition: max-height 0.3s ease;
}

.mobile-nav.open { max-height: 420px; }

.mobile-nav ul { padding: 16px 24px 24px; display: flex; flex-direction: column; gap: 4px; }
.mobile-nav li a {
  display: block;
  padding: 10px 0;
  font-size: 0.95rem;
  font-weight: 500;
  color: rgba(255,255,255,0.8);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  transition: color var(--transition);
}
.mobile-nav li a:hover { color: var(--white); }

.mobile-cta { margin-top: 16px; width: 100%; text-align: center; }

/* ─── HERO ───────────────────────────── */
.hero {
  background: var(--navy);
  position: relative;
  overflow: hidden;
  padding: 96px 0 80px;
}

.hero-watermark {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  font-family: var(--font-serif);
  font-size: clamp(280px, 30vw, 480px);
  font-weight: 700;
  color: var(--white);
  opacity: 0.025;
  pointer-events: none;
  user-select: none;
  line-height: 1;
  white-space: nowrap;
}

.hero-inner {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 64px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero-left { color: var(--white); }

.hero-left h1 { color: var(--white); margin-bottom: 20px; }

.gold-italic {
  color: var(--gold);
  font-style: italic;
}

.hero-sub {
  color: rgba(255,255,255,0.72);
  font-size: 1.05rem;
  max-width: 520px;
  margin-bottom: 36px;
}

.hero-ctas {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 40px;
}

.trust-row {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 0.8rem;
  font-weight: 500;
  color: rgba(255,255,255,0.6);
  letter-spacing: 0.01em;
}

/* Snapshot Card */
.snapshot-card {
  border: 1px solid var(--gold-25);
  background: rgba(255,255,255,0.04);
  border-radius: 8px;
  padding: 28px 32px;
  backdrop-filter: blur(4px);
}

.snapshot-title {
  font-family: var(--font-sans);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
}

.snapshot-rows { display: flex; flex-direction: column; gap: 0; }

.snapshot-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 0;
  border-bottom: 1px solid rgba(255,255,255,0.07);
  gap: 16px;
}
.snapshot-row:last-child { border-bottom: none; }

.snapshot-label {
  font-size: 0.825rem;
  color: rgba(255,255,255,0.55);
  font-weight: 400;
}

.snapshot-value {
  font-size: 0.875rem;
  font-weight: 600;
  color: rgba(255,255,255,0.88);
  white-space: nowrap;
}
.snapshot-value.gold { color: var(--gold); }

/* ─── GOLD RULE ──────────────────────── */
.gold-rule {
  height: 2px;
  background: var(--gold);
  width: 100%;
}

/* ─── HOW IT WORKS ───────────────────── */
.how-it-works {
  background: var(--light-gray);
  padding: 96px 0;
}

.how-it-works h2 {
  color: var(--navy);
  max-width: 600px;
  margin-bottom: 56px;
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  border: 1.5px solid var(--border-gray);
  border-radius: 8px;
  overflow: hidden;
}

.step-card {
  padding: 40px 32px;
  position: relative;
  background: var(--white);
}

.step-card + .step-card {
  border-left: 1.5px solid var(--border-gray);
}

.step-number {
  display: block;
  font-family: var(--font-serif);
  font-size: 5rem;
  font-weight: 700;
  color: var(--navy);
  opacity: 0.12;
  line-height: 1;
  margin-bottom: 4px;
}

.step-accent {
  width: 40px;
  height: 2px;
  background: var(--gold);
  margin-bottom: 20px;
}

.step-title {
  font-family: var(--font-serif);
  font-size: 1.15rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 12px;
}

.step-desc {
  font-size: 0.9rem;
  color: var(--text-gray);
  margin-bottom: 24px;
  line-height: 1.65;
}

.step-tag {
  display: inline-block;
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  border: 1px solid var(--gold-25);
  border-radius: 50px;
  padding: 4px 12px;
  background: rgba(201,168,76,0.07);
}

/* ─── SERVICES ───────────────────────── */
.services {
  background: var(--white);
  padding: 96px 0;
}

.services h2 {
  color: var(--navy);
  margin-bottom: 48px;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.service-card {
  padding: 28px 24px;
  border: 1px solid var(--border-gray);
  border-top: 2px solid var(--gold);
  border-radius: var(--radius);
  transition: box-shadow var(--transition), transform var(--transition);
}

.service-card:hover {
  box-shadow: 0 6px 24px rgba(27,42,74,0.08);
  transform: translateY(-2px);
}

.service-icon {
  margin-bottom: 16px;
  display: flex;
  align-items: center;
}

.service-card h3 {
  font-family: var(--font-serif);
  font-size: 1.1rem;
  color: var(--navy);
  margin-bottom: 10px;
}

.service-card p {
  font-size: 0.875rem;
  color: var(--text-gray);
  line-height: 1.65;
}

.qb-affiliate {
  margin-top: 48px;
  padding: 20px 24px;
  background: var(--light-gray);
  border-radius: var(--radius);
  text-align: center;
  font-size: 0.875rem;
  color: var(--text-gray);
}

.qb-affiliate a {
  color: var(--gold);
  font-weight: 600;
  text-decoration: underline;
  text-decoration-color: transparent;
  transition: text-decoration-color var(--transition);
}
.qb-affiliate a:hover { text-decoration-color: var(--gold); }

/* ─── PRICING ────────────────────────── */
.pricing {
  background: var(--light-gray);
  padding: 96px 0;
}

.pricing h2 {
  color: var(--navy);
  margin-bottom: 12px;
}

.pricing-sub {
  color: var(--muted-gray);
  font-size: 0.9rem;
  max-width: 560px;
  margin-bottom: 52px;
}

.pricing-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  align-items: start;
}

.plan-card {
  background: var(--white);
  border: 1.5px solid var(--border-gray);
  border-radius: 8px;
  padding: 36px 28px;
  position: relative;
  transition: box-shadow var(--transition);
}

.plan-card:hover { box-shadow: 0 8px 32px rgba(27,42,74,0.10); }

.plan-featured {
  border-color: var(--gold);
  border-width: 2px;
  box-shadow: 0 4px 20px rgba(201,168,76,0.15);
}

.plan-badge {
  position: absolute;
  top: -13px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--gold);
  color: var(--deep-navy);
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 4px 14px;
  border-radius: 50px;
  white-space: nowrap;
}

.plan-header { margin-bottom: 28px; }

.plan-name {
  font-family: var(--font-sans);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--muted-gray);
  margin-bottom: 8px;
}

.plan-price { margin-bottom: 8px; }

.price-amount {
  font-family: var(--font-serif);
  font-size: 2.6rem;
  font-weight: 600;
  color: var(--navy);
  line-height: 1;
}

.price-period {
  font-size: 0.825rem;
  color: var(--muted-gray);
  margin-left: 4px;
}

.plan-meta {
  font-size: 0.8rem;
  color: var(--muted-gray);
}

.plan-features {
  list-style: none;
  margin-bottom: 32px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.plan-features li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.875rem;
  color: var(--text-gray);
  line-height: 1.5;
}

.plan-features li::before {
  content: '';
  display: inline-block;
  width: 16px;
  height: 16px;
  min-width: 16px;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 16 16' fill='none'%3E%3Ccircle cx='8' cy='8' r='7.5' stroke='%23C9A84C'/%3E%3Cpath d='M4.5 8l2.5 2.5 4.5-5' stroke='%23C9A84C' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-size: contain;
  background-repeat: no-repeat;
  margin-top: 1px;
}

.plan-cta { width: 100%; text-align: center; display: block; }

.pricing-note {
  margin-top: 36px;
  text-align: center;
  font-size: 0.825rem;
  color: var(--muted-gray);
}

.pricing-note a {
  color: var(--gold);
  font-weight: 600;
}
.pricing-note a:hover { text-decoration: underline; }

/* ─── ABOUT ──────────────────────────── */
.about {
  background: var(--navy);
  padding: 96px 0;
}

.about-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}

.about-left .eyebrow { color: var(--gold); }

.about-left h2 {
  color: var(--white);
  margin-bottom: 20px;
}

.about-left > p {
  font-size: 0.95rem;
  color: rgba(255,255,255,0.65);
  margin-bottom: 16px;
}

.about-feature-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-top: 32px;
  margin-bottom: 28px;
}

.about-feature {
  border-left: 2px solid var(--gold);
  padding: 10px 14px;
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.about-feature-title {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--white);
}

.about-feature-desc {
  font-size: 0.775rem;
  color: rgba(255,255,255,0.5);
}

.about-qb-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 4px;
  padding: 10px 16px;
  background: rgba(255,255,255,0.06);
  font-size: 0.825rem;
  font-weight: 500;
  color: rgba(255,255,255,0.75);
  transition: background var(--transition);
}
.about-qb-badge:hover { background: rgba(255,255,255,0.1); }

.about-panel {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: 6px;
  padding: 2rem;
}

.about-panel-label {
  font-family: var(--font-sans);
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  padding-bottom: 14px;
  margin-bottom: 4px;
  border-bottom: 1px solid rgba(201,168,76,0.2);
}

.about-panel-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 11px 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  gap: 16px;
}
.about-panel-row:last-child { border-bottom: none; }

.panel-label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.45);
}

.panel-value {
  font-size: 0.8rem;
  color: var(--white);
  font-weight: 500;
  white-space: nowrap;
}
.panel-value.gold { color: var(--gold); }
.panel-value.muted { color: rgba(255,255,255,0.4); font-weight: 400; }

/* ─── CONTACT ────────────────────────── */
.contact {
  background: var(--navy);
  padding: 96px 0;
}

.contact-inner {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 64px;
  align-items: center;
}

.contact-text .eyebrow { color: var(--gold); }

.contact-text h2 {
  color: var(--white);
  margin-bottom: 16px;
}

.contact-text > p {
  color: rgba(255,255,255,0.68);
  font-size: 0.95rem;
  max-width: 480px;
  margin-bottom: 32px;
}

.contact-details {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.contact-detail-link {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.9rem;
  font-weight: 500;
  color: rgba(255,255,255,0.72);
  transition: color var(--transition);
}
.contact-detail-link:hover { color: var(--white); }

.contact-cta-block {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
}

.contact-cta-note {
  font-size: 0.775rem;
  color: rgba(255,255,255,0.4);
  text-align: center;
}

/* ─── FOOTER ─────────────────────────── */
.footer {
  background: #090F1C;
  padding-top: 64px;
}

.footer-inner {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 64px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.footer-logo { height: 48px; width: auto; margin-bottom: 16px; }

.footer-tagline {
  font-size: 0.825rem;
  color: rgba(255,255,255,0.45);
  margin-bottom: 20px;
}

.footer-social {
  display: flex;
  gap: 14px;
}

.footer-social a {
  color: rgba(255,255,255,0.45);
  transition: color var(--transition);
  line-height: 0;
}
.footer-social a:hover { color: var(--gold); }

.footer-links {
  display: flex;
  gap: 48px;
}

.footer-col-title {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  margin-bottom: 16px;
}

.footer-col ul { display: flex; flex-direction: column; gap: 10px; }

.footer-col ul li a {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.55);
  transition: color var(--transition);
}
.footer-col ul li a:hover { color: var(--white); }

.footer-bottom {
  padding: 20px 0;
}

.footer-bottom .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
}

.footer-bottom p {
  font-size: 0.775rem;
  color: rgba(255,255,255,0.3);
}

.footer-disclaimer { max-width: 480px; text-align: right; }

/* ─── RESPONSIVE ─────────────────────── */
@media (max-width: 1024px) {
  .hero-inner {
    grid-template-columns: 1fr;
  }
  .hero-right { display: none; }

  .about-inner {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 900px) {
  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  :root { --nav-height: 64px; }

  .nav-links { display: none; }
  .nav-cta { display: none; }
  .hamburger { display: flex; }
  .mobile-nav { display: block; }

  .hero { padding: 64px 0 56px; }

  .steps-grid {
    grid-template-columns: 1fr;
    border: none;
    gap: 16px;
  }
  .step-card { border: 1.5px solid var(--border-gray); border-radius: 8px; }
  .step-card + .step-card { border-left: 1.5px solid var(--border-gray); }

  .services-grid {
    grid-template-columns: 1fr;
  }

  .pricing-grid {
    grid-template-columns: 1fr;
    max-width: 440px;
    margin: 0 auto;
  }

  .contact-inner {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .footer-inner {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .footer-links { flex-wrap: wrap; gap: 32px; }

  .footer-bottom .container {
    flex-direction: column;
    text-align: center;
  }
  .footer-disclaimer { text-align: center; }

  .about-feature-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 480px) {
  .hero-ctas { flex-direction: column; }
  .hero-ctas .btn { width: 100%; text-align: center; }
  .trust-row { gap: 14px; }
  .contact-cta-block { width: 100%; }
  .btn-lg { width: 100%; text-align: center; }
}

/* ─── CONTACT PAGE ───────────────────── */
.contact-hero {
  background: var(--navy);
  padding: 72px 0 64px;
  text-align: center;
}

.contact-hero-inner {
  max-width: 640px;
  margin: 0 auto;
  padding: 0 24px;
}

.contact-hero h1 {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 700;
  color: var(--white);
  margin-bottom: 16px;
  line-height: 1.2;
}

.contact-hero .hero-sub {
  color: rgba(255,255,255,0.65);
  font-size: 1rem;
  max-width: 520px;
  margin: 0 auto;
}

.contact-cards {
  background: var(--light-gray);
  padding: 80px 0;
}

.contact-cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  max-width: 900px;
  margin: 0 auto;
  padding: 0 24px;
}

.contact-card {
  background: var(--white);
  border: 1px solid var(--border-gray);
  border-top: 2px solid var(--gold);
  border-radius: var(--radius);
  padding: 2rem 1.75rem;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.contact-card-icon {
  color: var(--gold);
  margin-bottom: 1rem;
}

.contact-card h3 {
  font-family: var(--font-serif);
  font-size: 1.1rem;
  color: var(--navy);
  margin-bottom: 0.75rem;
}

.contact-card p {
  font-size: 0.875rem;
  color: var(--muted-gray);
  line-height: 1.7;
  margin-bottom: 1.5rem;
}

.contact-card-action {
  margin-top: auto;
  width: 100%;
}

.contact-card-action .btn {
  display: block;
  width: 100%;
  text-align: center;
}

.contact-card-number {
  font-family: var(--font-serif);
  font-size: 1.4rem;
  font-weight: 600;
  color: var(--gold);
  display: block;
  margin-top: auto;
  transition: opacity 0.2s ease;
}
.contact-card-number:hover { opacity: 0.8; }

.contact-card-email {
  font-family: var(--font-sans);
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--gold);
  display: block;
  margin-top: auto;
  transition: opacity 0.2s ease;
}
.contact-card-email:hover { opacity: 0.8; }

.qb-strip {
  background: var(--navy);
  padding: 40px 0;
  text-align: center;
}

.qb-strip-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
}

.qb-strip-note {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.45);
  max-width: 400px;
  line-height: 1.7;
}

@media (max-width: 768px) {
  .contact-cards-grid {
    grid-template-columns: 1fr;
    max-width: 440px;
  }
}