/* ==========================================================================
   ANDBANC ADVISORY LLC — Global Stylesheet
   Style: Traditional Minimalist Finance (Navy / Gold / Ivory)
   ========================================================================== */

:root {
  --navy: #0e2a47;
  --navy-deep: #0a1f35;
  --navy-soft: #16395e;
  --gold: #c0a062;
  --gold-deep: #a3854a;
  --gold-soft: #d9c49a;
  --ivory: #f7f5f0;
  --paper: #ffffff;
  --ink: #1f2933;
  --muted: #5b6b7c;
  --line: #e4dfd4;
  --link: #1b4f8f;
  --link-hover: #a3854a;
  --serif: Georgia, "Times New Roman", "Songti SC", "SimSun", serif;
  --sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "PingFang SC", "Microsoft YaHei", sans-serif;
  --shadow-sm: 0 1px 3px rgba(14, 42, 71, .08);
  --shadow-md: 0 10px 30px rgba(14, 42, 71, .10);
  --radius: 8px;
  --maxw: 1180px;
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--sans);
  font-size: 16.5px;
  line-height: 1.7;
  color: var(--ink);
  background: var(--ivory);
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
ul, ol { padding-left: 1.25rem; }

/* ---------- Links (unified style) ---------- */
a { color: var(--link); text-decoration: none; transition: color .2s ease; }
a:hover { color: var(--link-hover); }
.article-body a,
.email-link,
.footer-col a,
.topbar a { text-decoration: underline; text-underline-offset: 3px; text-decoration-color: rgba(27, 79, 143, .35); }
.article-body a:hover,
.email-link:hover { color: var(--link-hover); text-decoration-color: var(--link-hover); }

/* ---------- Layout helpers ---------- */
.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }
.section { padding: 84px 0; }
.section-alt { background: var(--paper); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-navy { background: var(--navy-deep); color: #e9eef4; }
.section-head { max-width: 720px; margin: 0 auto 56px; text-align: center; }
.eyebrow {
  display: inline-block; font-size: .78rem; font-weight: 700; letter-spacing: .18em;
  text-transform: uppercase; color: var(--gold-deep); margin-bottom: 14px;
}
.eyebrow::before, .eyebrow::after { content: "—"; color: var(--gold-soft); margin: 0 10px; }

/* ---------- Typography ---------- */
h1, h2, h3, h4 { font-family: var(--serif); color: var(--navy); line-height: 1.25; font-weight: 700; }
h1 { font-size: clamp(2.1rem, 4.6vw, 3.35rem); letter-spacing: -.01em; }
h2 { font-size: clamp(1.7rem, 3.2vw, 2.4rem); }
h3 { font-size: 1.28rem; }
p { margin-bottom: 1rem; }
.lead { font-size: 1.16rem; color: var(--muted); }
.section-navy h2, .section-navy h3 { color: #fff; }
.section-navy .lead { color: #b9c6d4; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block; padding: 13px 30px; border-radius: 4px; font-weight: 600;
  font-size: .98rem; letter-spacing: .02em; cursor: pointer; border: 1px solid transparent;
  transition: all .22s ease; text-decoration: none !important;
}
.btn-gold { background: var(--gold); color: var(--navy-deep) !important; border-color: var(--gold); }
.btn-gold:hover { background: var(--gold-deep); border-color: var(--gold-deep); color: #fff !important; }
.btn-outline { background: transparent; color: var(--navy) !important; border-color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: #fff !important; }
.btn-outline-light { background: transparent; color: #fff !important; border-color: rgba(255, 255, 255, .55); }
.btn-outline-light:hover { background: #fff; color: var(--navy) !important; }
.btn-block { display: block; width: 100%; text-align: center; }

/* ---------- Topbar ---------- */
.topbar { background: var(--navy-deep); color: #9fb2c6; font-size: .8rem; letter-spacing: .04em; }
.topbar-inner { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding-top: 7px; padding-bottom: 7px; }
.topbar a { color: var(--gold-soft); text-decoration-color: rgba(217, 196, 154, .4); }
.topbar a:hover { color: #fff; }

/* ---------- Header ---------- */
.site-header {
  background: var(--paper); border-bottom: 1px solid var(--line);
  position: sticky; top: 0; z-index: 100; box-shadow: var(--shadow-sm);
}
.header-inner { display: flex; align-items: center; gap: 32px; height: 74px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none !important; }
.brand-icon { width: 42px; height: 42px; flex: none; }
.brand-text {
  font-family: var(--serif); font-size: 1.42rem; font-weight: 700; letter-spacing: .14em;
  color: var(--navy);
}
.brand-text small { display: block; font-family: var(--sans); font-size: .58rem; font-weight: 600; letter-spacing: .34em; color: var(--gold-deep); margin-top: -3px; }
.main-nav { display: flex; gap: 26px; margin-left: auto; }
.main-nav a {
  font-size: .93rem; font-weight: 600; letter-spacing: .04em; color: var(--ink);
  padding: 6px 2px; border-bottom: 2px solid transparent; text-decoration: none !important;
}
.main-nav a:hover { color: var(--gold-deep); }
.main-nav a.active { color: var(--navy); border-bottom-color: var(--gold); }
.header-cta { padding: 10px 22px; font-size: .9rem; }
.nav-toggle { display: none; background: none; border: 0; cursor: pointer; padding: 8px; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--navy); margin: 5px 0; transition: .25s; }
.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Hero ---------- */
.hero {
  background:
    linear-gradient(160deg, rgba(10, 31, 53, .88) 0%, rgba(14, 42, 71, .76) 55%, rgba(22, 57, 94, .66) 100%),
    url("../img/hero-bg.jpg") center 35%/cover no-repeat,
    var(--navy-deep);
  color: #eef2f7; padding: 110px 0 96px; position: relative;
}
.hero::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 4px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}
.hero-inner { max-width: 780px; }
.hero .eyebrow { color: var(--gold-soft); }
.hero h1 { color: #fff; margin-bottom: 22px; }
.hero .lead { color: #c3cfdb; margin-bottom: 34px; max-width: 640px; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }

/* ---------- Stats strip ---------- */
.stats { background: var(--paper); border-bottom: 1px solid var(--line); }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.stat { text-align: center; padding: 34px 16px; border-left: 1px solid var(--line); }
.stat:first-child { border-left: 0; }
.stat-num { font-family: var(--serif); font-size: 2.1rem; font-weight: 700; color: var(--navy); }
.stat-num em { font-style: normal; color: var(--gold-deep); }
.stat-label { font-size: .82rem; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); margin-top: 4px; }

/* ---------- Cards & grids ---------- */
.grid { display: grid; gap: 26px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.card {
  background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 34px 30px; box-shadow: var(--shadow-sm); transition: transform .22s ease, box-shadow .22s ease;
  position: relative;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.card-icon {
  width: 52px; height: 52px; border-radius: 6px; background: var(--navy);
  display: flex; align-items: center; justify-content: center; margin-bottom: 20px;
}
.card-icon svg { width: 26px; height: 26px; stroke: var(--gold); fill: none; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
.card h3 { margin-bottom: 10px; }
.card p { color: var(--muted); font-size: .96rem; margin-bottom: 0; }
.card-link { display: inline-block; margin-top: 16px; font-weight: 600; font-size: .9rem; }

/* ---------- Steps ---------- */
.steps { counter-reset: step; }
.step { position: relative; padding: 0 10px; text-align: center; }
.step-num {
  counter-increment: step; width: 64px; height: 64px; margin: 0 auto 20px;
  border-radius: 50%; border: 2px solid var(--gold); color: var(--gold-deep);
  font-family: var(--serif); font-size: 1.5rem; font-weight: 700;
  display: flex; align-items: center; justify-content: center; background: var(--paper);
}
.step-num::before { content: counter(step, decimal-leading-zero); }
.step h3 { margin-bottom: 8px; }
.step p { color: var(--muted); font-size: .95rem; margin: 0; }

/* ---------- Feature list ---------- */
.check-list { list-style: none; padding: 0; }
.check-list li { position: relative; padding-left: 30px; margin-bottom: 12px; color: var(--ink); }
.check-list li::before {
  content: ""; position: absolute; left: 0; top: 7px; width: 16px; height: 16px;
  background: var(--gold); border-radius: 50%;
  -webkit-mask: url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" fill="none" stroke="white" stroke-width="3"><path d="M4 12.5l5 5L20 6.5"/></svg>') center/12px no-repeat, linear-gradient(#000, #000);
  -webkit-mask-composite: destination-out; mask-composite: exclude;
}

/* ---------- Pricing ---------- */
.pricing-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; align-items: stretch; }
.price-card {
  background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 40px 32px; display: flex; flex-direction: column; text-align: center; position: relative;
  box-shadow: var(--shadow-sm); transition: transform .22s ease, box-shadow .22s ease;
}
.price-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.price-card.featured { border: 2px solid var(--gold); box-shadow: var(--shadow-md); }
.price-badge {
  position: absolute; top: -13px; left: 50%; transform: translateX(-50%);
  background: var(--gold); color: var(--navy-deep); font-size: .72rem; font-weight: 700;
  letter-spacing: .14em; text-transform: uppercase; padding: 4px 16px; border-radius: 20px; white-space: nowrap;
}
.price-name { font-family: var(--serif); font-size: 1.3rem; color: var(--navy); margin-bottom: 6px; }
.price-desc { font-size: .88rem; color: var(--muted); min-height: 44px; }
.price-amount { font-family: var(--serif); font-size: 3rem; font-weight: 700; color: var(--navy); margin: 14px 0 2px; }
.price-amount sup { font-size: 1.3rem; top: -1.1em; }
.price-cycle { font-size: .85rem; color: var(--muted); margin-bottom: 24px; }
.price-features { list-style: none; padding: 0; margin: 0 0 30px; text-align: left; flex: 1; }
.price-features li { position: relative; padding-left: 28px; margin-bottom: 11px; font-size: .93rem; color: var(--ink); }
.price-features li::before {
  content: ""; position: absolute; left: 0; top: 4px; width: 18px; height: 18px; border-radius: 50%;
  background: var(--navy);
  -webkit-mask: url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" fill="none" stroke="white" stroke-width="3"><path d="M4 12.5l5 5L20 6.5"/></svg>') center/12px no-repeat, linear-gradient(#000, #000);
  -webkit-mask-composite: destination-out; mask-composite: exclude;
}
.price-note { text-align: center; color: var(--muted); font-size: .88rem; margin-top: 34px; }

/* ---------- Testimonials ---------- */
.quote-card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 32px 30px; box-shadow: var(--shadow-sm); }
.quote-mark { font-family: var(--serif); font-size: 3rem; line-height: 1; color: var(--gold); margin-bottom: 8px; }
.quote-card p { color: var(--ink); font-size: .97rem; font-style: italic; }
.quote-meta { margin-top: 18px; font-size: .85rem; color: var(--muted); display: flex; align-items: center; gap: 13px; }
.quote-meta strong { display: block; color: var(--navy); font-size: .95rem; font-style: normal; }
.quote-avatar { width: 48px; height: 48px; border-radius: 50%; object-fit: cover; border: 2px solid var(--gold-soft); flex: none; }

/* ---------- Photos (web-sourced, watermark-free) ---------- */
.photo-frame { border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-md); border: 1px solid var(--line); }
.photo-frame img { width: 100%; height: 100%; object-fit: cover; display: block; }

/* ---------- CTA band ---------- */
.cta-band {
  background:
    linear-gradient(120deg, rgba(10, 31, 53, .88), rgba(22, 57, 94, .78)),
    url("../img/cta-bg.jpg") center/cover no-repeat,
    var(--navy-deep);
  color: #fff; padding: 72px 0; text-align: center;
}
.cta-band h2 { color: #fff; margin-bottom: 14px; }
.cta-band p { color: #b9c6d4; max-width: 560px; margin: 0 auto 30px; }

/* ---------- Page hero (inner pages) ---------- */
.page-hero {
  background:
    linear-gradient(150deg, rgba(10, 31, 53, .88), rgba(22, 57, 94, .76)),
    url("../img/page-hero-bg.jpg") center 30%/cover no-repeat,
    var(--navy-deep);
  color: #fff; padding: 72px 0;
}
.page-hero h1 { color: #fff; margin-bottom: 12px; }
.page-hero p { color: #b9c6d4; max-width: 680px; margin: 0; }
.page-hero .breadcrumb { font-size: .82rem; letter-spacing: .08em; color: var(--gold-soft); margin-bottom: 16px; text-transform: uppercase; }
.page-hero .breadcrumb a { color: var(--gold-soft); }
.page-hero .breadcrumb a:hover { color: #fff; }

/* ---------- Article / legal docs ---------- */
.article-wrap { max-width: 860px; margin: 0 auto; }
.doc-meta {
  display: flex; flex-wrap: wrap; gap: 8px 28px; padding: 16px 22px; background: var(--paper);
  border: 1px solid var(--line); border-left: 4px solid var(--gold); border-radius: 4px;
  font-size: .9rem; color: var(--muted); margin-bottom: 40px;
}
.doc-meta strong { color: var(--navy); }
.article-body h2 { font-size: 1.45rem; margin: 42px 0 14px; padding-bottom: 10px; border-bottom: 1px solid var(--line); }
.article-body h3 { font-size: 1.08rem; margin: 26px 0 10px; color: var(--navy-soft); }
.article-body p, .article-body li { color: #3b4756; font-size: .99rem; }
.article-body ul, .article-body ol { margin-bottom: 16px; }
.article-body li { margin-bottom: 8px; }
.article-body table { width: 100%; border-collapse: collapse; margin: 18px 0 26px; font-size: .93rem; }
.article-body th, .article-body td { border: 1px solid var(--line); padding: 10px 14px; text-align: left; }
.article-body th { background: var(--navy); color: #fff; font-weight: 600; }
.article-body tr:nth-child(even) td { background: #fbfaf7; }
.highlight-box {
  background: #fdf9f0; border: 1px solid var(--gold-soft); border-left: 4px solid var(--gold);
  border-radius: 4px; padding: 18px 22px; margin: 22px 0; font-size: .95rem;
}

/* ---------- Info table (about) ---------- */
.info-table { width: 100%; border-collapse: collapse; background: var(--paper); box-shadow: var(--shadow-sm); border-radius: var(--radius); overflow: hidden; }
.info-table th, .info-table td { padding: 15px 20px; text-align: left; border-bottom: 1px solid var(--line); font-size: .96rem; }
.info-table th { width: 240px; background: var(--navy); color: #fff; font-weight: 600; letter-spacing: .02em; }
.info-table tr:last-child th, .info-table tr:last-child td { border-bottom: 0; }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1.25fr; gap: 44px; }
.contact-block { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 32px; box-shadow: var(--shadow-sm); }
.contact-block h3 { margin-bottom: 6px; }
.contact-item { padding: 18px 0; border-bottom: 1px solid var(--line); }
.contact-item:last-child { border-bottom: 0; padding-bottom: 0; }
.contact-item .label { font-size: .78rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--gold-deep); margin-bottom: 4px; }
.form-group { margin-bottom: 20px; }
.form-group label { display: block; font-size: .88rem; font-weight: 600; color: var(--navy); margin-bottom: 6px; }
.form-group input, .form-group textarea, .form-group select {
  width: 100%; padding: 12px 14px; border: 1px solid var(--line); border-radius: 4px;
  font-family: var(--sans); font-size: .96rem; background: #fdfcf9; color: var(--ink);
  transition: border-color .2s ease, box-shadow .2s ease;
}
.form-group input:focus, .form-group textarea:focus, .form-group select:focus {
  outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(192, 160, 98, .18);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-note { font-size: .82rem; color: var(--muted); margin-top: 14px; }
.form-status { display: none; margin-top: 14px; padding: 12px 16px; border-radius: 4px; background: #eef6ee; border: 1px solid #bcd8bc; color: #2c5f2c; font-size: .9rem; }
.form-status.show { display: block; }

/* ---------- FAQ ---------- */
.faq-item { background: var(--paper); border: 1px solid var(--line); border-radius: 6px; margin-bottom: 14px; overflow: hidden; }
.faq-q {
  width: 100%; text-align: left; background: none; border: 0; cursor: pointer;
  padding: 20px 24px; font-family: var(--serif); font-size: 1.06rem; font-weight: 700; color: var(--navy);
  display: flex; justify-content: space-between; align-items: center; gap: 16px;
}
.faq-q::after { content: "+"; font-size: 1.5rem; color: var(--gold-deep); transition: transform .2s ease; flex: none; }
.faq-item.open .faq-q::after { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .28s ease; }
.faq-a-inner { padding: 0 24px 22px; color: var(--muted); font-size: .95rem; }

/* ---------- Disclosure band ---------- */
.disclosure-band { background: var(--navy-deep); color: #8fa3b8; font-size: .8rem; line-height: 1.75; padding: 40px 0; }
.disclosure-band strong { color: var(--gold-soft); }
.disclosure-band a { color: var(--gold-soft); text-decoration: underline; }
.disclosure-band a:hover { color: #fff; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: #aebdcd; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.3fr; gap: 44px; padding: 68px 24px 48px; }
.footer-brand .brand-text { color: #fff; }
.footer-brand p { font-size: .9rem; margin-top: 16px; color: #93a7bb; }
.footer-reg { margin-top: 18px; font-size: .8rem; color: #7e93a8; line-height: 1.8; }
.footer-reg a { color: var(--gold-soft); }
.footer-col h4 { color: #fff; font-size: .85rem; font-family: var(--sans); font-weight: 700; letter-spacing: .16em; text-transform: uppercase; margin-bottom: 18px; }
.footer-col ul { list-style: none; padding: 0; }
.footer-col li { margin-bottom: 11px; }
.footer-col a { color: #aebdcd; font-size: .93rem; text-decoration-color: rgba(174, 189, 205, .3); }
.footer-col a:hover { color: var(--gold-soft); text-decoration-color: var(--gold-soft); }
.footer-contact p { font-size: .9rem; margin-bottom: 12px; color: #aebdcd; }
.footer-bottom { border-top: 1px solid rgba(255, 255, 255, .12); padding: 20px 0; }
.footer-bottom-inner { display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; font-size: .8rem; color: #7e93a8; }

/* ---------- 404 ---------- */
.error-wrap { text-align: center; padding: 110px 0; }
.error-code { font-family: var(--serif); font-size: 6rem; color: var(--gold); line-height: 1; }
.error-wrap h1 { margin: 16px 0 12px; }
.error-wrap p { color: var(--muted); max-width: 460px; margin: 0 auto 30px; }

/* ---------- Responsive ---------- */
@media (max-width: 980px) {
  .grid-4, .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stat:nth-child(3) { border-left: 0; }
  .stat { border-top: 1px solid var(--line); }
  .stat:nth-child(-n+2) { border-top: 0; }
  .grid-3, .pricing-grid { grid-template-columns: repeat(2, 1fr); }
  .price-card.featured { order: -1; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
}
@media (max-width: 720px) {
  .section { padding: 60px 0; }
  .hero { padding: 76px 0 66px; }
  .main-nav {
    position: absolute; top: 74px; left: 0; right: 0; background: var(--paper);
    flex-direction: column; gap: 0; padding: 10px 24px 18px; border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow-md); display: none;
  }
  .main-nav.open { display: flex; }
  .main-nav a { padding: 13px 0; border-bottom: 1px solid var(--line); font-size: 1rem; }
  .main-nav a:last-child { border-bottom: 0; }
  .nav-toggle { display: block; margin-left: auto; }
  .header-cta { display: none; }
  .header-inner { gap: 16px; }
  .grid-2, .grid-3, .grid-4, .pricing-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 34px; padding: 52px 24px 36px; }
  .form-row { grid-template-columns: 1fr; }
  .topbar-inner { justify-content: center; text-align: center; }
  .topbar-item { display: none; }
  .info-table th { width: 130px; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
}