/* Admiral Finance — site styles */
:root {
  --navy: #0b1f3a;
  --navy-mid: #1e3a5f;
  --navy-soft: #2a4a73;
  --brass: #c9a66b;
  --brass-light: #d4b896;
  --brass-dark: #a8844a;
  --grey-100: #f5f6f8;
  --grey-200: #e8ebf0;
  --grey-300: #cfd5de;
  --grey-500: #6b7585;
  --grey-700: #3d4654;
  --white: #ffffff;
  --text: #1a2332;
  --radius: 10px;
  --shadow: 0 8px 28px rgba(11, 31, 58, 0.10);
  --shadow-lg: 0 18px 48px rgba(11, 31, 58, 0.16);
  --max: 1120px;
  --font: "Segoe UI", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", Arial, sans-serif;
  --serif: Georgia, "Times New Roman", serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy-mid); text-decoration: none; }
a:hover { color: var(--brass-dark); }
h1, h2, h3, h4 {
  font-family: var(--serif);
  color: var(--navy);
  line-height: 1.25;
  font-weight: 600;
  margin: 0 0 0.6em;
}
p { margin: 0 0 1em; }
.container { width: min(100% - 2rem, var(--max)); margin-inline: auto; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(11, 31, 58, 0.97);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid rgba(201, 166, 107, 0.25);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 1rem; padding: 0.75rem 0; width: min(100% - 2rem, var(--max)); margin-inline: auto;
}
.brand {
  display: flex; align-items: center; gap: 0.7rem; color: var(--white); text-decoration: none;
}
.brand:hover { color: var(--brass-light); }
.brand img { width: 42px; height: 42px; }
.brand-text { display: flex; flex-direction: column; line-height: 1.15; }
.brand-name { font-family: var(--serif); font-size: 1.15rem; font-weight: 600; letter-spacing: 0.02em; }
.brand-tag { font-size: 0.68rem; color: var(--brass-light); letter-spacing: 0.08em; text-transform: uppercase; }

.nav { display: flex; align-items: center; gap: 0.15rem; }
.nav a {
  color: rgba(255,255,255,0.88); padding: 0.45rem 0.7rem; font-size: 0.92rem;
  border-radius: 6px; transition: background .15s, color .15s;
}
.nav a:hover, .nav a[aria-current="page"] { color: var(--brass-light); background: rgba(255,255,255,0.06); }
.nav .btn-nav {
  margin-left: 0.4rem; background: var(--brass); color: var(--navy) !important;
  font-weight: 600; padding: 0.5rem 0.95rem;
}
.nav .btn-nav:hover { background: var(--brass-light); color: var(--navy) !important; }

.nav-toggle {
  display: none; background: transparent; border: 1px solid rgba(212,184,150,0.4);
  color: var(--brass-light); border-radius: 6px; padding: 0.4rem 0.65rem; cursor: pointer;
}

@media (max-width: 860px) {
  .nav-toggle { display: inline-flex; }
  .nav {
    display: none; position: absolute; left: 0; right: 0; top: 100%;
    flex-direction: column; background: var(--navy); padding: 0.75rem 1rem 1rem;
    border-bottom: 1px solid rgba(201,166,107,0.25); gap: 0.25rem;
  }
  .nav.open { display: flex; }
  .nav .btn-nav { margin-left: 0; text-align: center; }
}

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.4rem;
  padding: 0.8rem 1.35rem; border-radius: 8px; font-weight: 600; font-size: 0.95rem;
  border: none; cursor: pointer; transition: transform .12s, background .15s, box-shadow .15s;
  text-decoration: none; line-height: 1.2;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--brass); color: var(--navy); }
.btn-primary:hover { background: var(--brass-light); color: var(--navy); box-shadow: var(--shadow); }
.btn-ghost {
  background: transparent; color: var(--white);
  border: 1px solid rgba(255,255,255,0.45);
}
.btn-ghost:hover { border-color: var(--brass-light); color: var(--brass-light); }
.btn-outline {
  background: transparent; color: var(--navy); border: 1.5px solid var(--navy-mid);
}
.btn-outline:hover { background: var(--navy); color: var(--white); }

/* Hero */
.hero {
  position: relative; min-height: clamp(420px, 72vh, 640px);
  display: flex; align-items: center; color: var(--white);
  background: var(--navy) center/cover no-repeat;
}
.hero::before {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(105deg, rgba(11,31,58,0.92) 0%, rgba(11,31,58,0.72) 48%, rgba(11,31,58,0.45) 100%);
}
.hero-inner { position: relative; z-index: 1; padding: 4.5rem 0 4rem; width: min(100% - 2rem, var(--max)); margin-inline: auto; }
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 0.5rem;
  color: var(--brass-light); font-size: 0.78rem; letter-spacing: 0.14em; text-transform: uppercase;
  margin-bottom: 1rem;
}
.hero-eyebrow::before {
  content: ""; width: 28px; height: 1px; background: var(--brass);
}
.hero h1 {
  color: var(--white); font-size: clamp(2rem, 4.5vw, 3.15rem);
  max-width: 16ch; margin-bottom: 0.75rem;
}
.hero-lead {
  font-size: 1.12rem; color: rgba(255,255,255,0.88);
  max-width: 38ch; margin-bottom: 1.75rem;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 0.75rem; }

/* Page hero (inner pages) */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  color: var(--white); padding: 3.25rem 0 2.75rem;
  position: relative; overflow: hidden;
}
.page-hero::after {
  content: ""; position: absolute; right: -40px; top: -40px; width: 220px; height: 220px;
  border: 1px solid rgba(201,166,107,0.2); border-radius: 50%;
}
.page-hero h1 { color: var(--white); font-size: clamp(1.8rem, 3.5vw, 2.5rem); }
.page-hero p { color: rgba(255,255,255,0.85); max-width: 52ch; margin: 0; }

/* Trust strip */
.trust {
  background: var(--grey-100); border-bottom: 1px solid var(--grey-200);
  padding: 1.25rem 0;
}
.trust-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; text-align: center;
}
.trust-item strong { display: block; color: var(--navy); font-size: 0.95rem; }
.trust-item span { font-size: 0.82rem; color: var(--grey-500); }
@media (max-width: 700px) {
  .trust-grid { grid-template-columns: 1fr 1fr; }
}

/* Sections */
.section { padding: 4rem 0; }
.section-muted { background: var(--grey-100); }
.section-navy { background: var(--navy); color: var(--white); }
.section-navy h2, .section-navy h3 { color: var(--white); }
.section-head { max-width: 40rem; margin-bottom: 2.25rem; }
.section-head .eyebrow {
  color: var(--brass-dark); font-size: 0.75rem; letter-spacing: 0.12em;
  text-transform: uppercase; font-weight: 600; margin-bottom: 0.5rem;
}
.section-navy .eyebrow { color: var(--brass-light); }
.section-head h2 { font-size: clamp(1.55rem, 2.8vw, 2.1rem); margin-bottom: 0.5rem; }
.section-head p { color: var(--grey-500); margin: 0; }
.section-navy .section-head p { color: rgba(255,255,255,0.75); }

/* Cards / grids */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.5rem; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; }
@media (max-width: 900px) {
  .grid-3, .grid-4 { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 560px) {
  .grid-3, .grid-4, .grid-2 { grid-template-columns: 1fr; }
}

.card {
  background: var(--white); border: 1px solid var(--grey-200);
  border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow);
  display: flex; flex-direction: column; height: 100%;
  transition: transform .15s, box-shadow .15s;
}
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.card-img { aspect-ratio: 16/10; object-fit: cover; width: 100%; }
.card-body { padding: 1.25rem 1.3rem 1.4rem; flex: 1; display: flex; flex-direction: column; }
.card-body h3 { font-size: 1.15rem; margin-bottom: 0.4rem; }
.card-body p { color: var(--grey-500); font-size: 0.95rem; flex: 1; }
.card-link {
  margin-top: 0.75rem; color: var(--navy-mid); font-weight: 600; font-size: 0.9rem;
  display: inline-flex; align-items: center; gap: 0.35rem;
}
.card-link::after { content: "→"; color: var(--brass-dark); }

.icon-card {
  background: var(--white); border: 1px solid var(--grey-200); border-radius: var(--radius);
  padding: 1.4rem 1.3rem; box-shadow: var(--shadow);
}
.icon-card .icon {
  width: 44px; height: 44px; border-radius: 50%;
  background: linear-gradient(145deg, var(--navy-mid), var(--navy));
  color: var(--brass-light); display: grid; place-items: center;
  font-size: 1.1rem; margin-bottom: 0.9rem; border: 1px solid rgba(201,166,107,0.35);
}
.icon-card h3 { font-size: 1.08rem; }
.icon-card p { color: var(--grey-500); font-size: 0.93rem; margin: 0; }

/* Steps */
.steps { counter-reset: step; display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
@media (max-width: 700px) { .steps { grid-template-columns: 1fr; } }
.step {
  position: relative; padding: 1.5rem 1.35rem 1.5rem 1.5rem;
  background: rgba(255,255,255,0.04); border: 1px solid rgba(201,166,107,0.22);
  border-radius: var(--radius);
}
.step::before {
  counter-increment: step; content: "0" counter(step);
  display: block; font-family: var(--serif); font-size: 1.5rem;
  color: var(--brass); margin-bottom: 0.6rem; letter-spacing: 0.04em;
}
.step h3 { color: var(--white); font-size: 1.1rem; }
.step p { color: rgba(255,255,255,0.72); margin: 0; font-size: 0.94rem; }

/* Split */
.split {
  display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 2.5rem; align-items: center;
}
@media (max-width: 800px) { .split { grid-template-columns: 1fr; } }
.split img {
  border-radius: var(--radius); box-shadow: var(--shadow-lg); width: 100%;
  aspect-ratio: 4/3; object-fit: cover;
}
.split ul { padding-left: 1.1rem; color: var(--grey-700); }
.split li { margin-bottom: 0.45rem; }

/* CTA band */
.cta-band {
  background: linear-gradient(120deg, var(--navy) 0%, var(--navy-mid) 60%, #243f66 100%);
  color: var(--white); padding: 3.25rem 0; text-align: center;
  border-top: 1px solid rgba(201,166,107,0.3);
}
.cta-band h2 { color: var(--white); font-size: clamp(1.5rem, 3vw, 2rem); }
.cta-band p { color: rgba(255,255,255,0.8); max-width: 40ch; margin: 0 auto 1.4rem; }
.cta-band .hero-actions { justify-content: center; }

/* FAQ */
.faq-list { max-width: 760px; }
.faq-item {
  border-bottom: 1px solid var(--grey-200); padding: 1rem 0;
}
.faq-item summary {
  cursor: pointer; font-weight: 600; color: var(--navy); list-style: none;
  display: flex; justify-content: space-between; gap: 1rem; align-items: center;
  padding: 0.35rem 0;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+"; color: var(--brass-dark); font-size: 1.25rem; font-weight: 400;
}
.faq-item[open] summary::after { content: "–"; }
.faq-item p { color: var(--grey-500); margin: 0.6rem 0 0.4rem; padding-right: 1.5rem; }

/* Forms */
.form {
  background: var(--white); border: 1px solid var(--grey-200); border-radius: var(--radius);
  padding: 1.75rem; box-shadow: var(--shadow);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
@media (max-width: 560px) { .form-row { grid-template-columns: 1fr; } }
.field { margin-bottom: 1rem; }
.field label {
  display: block; font-size: 0.85rem; font-weight: 600; color: var(--navy);
  margin-bottom: 0.35rem;
}
.field input, .field select, .field textarea {
  width: 100%; padding: 0.7rem 0.85rem; border: 1px solid var(--grey-300);
  border-radius: 7px; font: inherit; color: var(--text); background: var(--white);
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: 2px solid rgba(201,166,107,0.55); border-color: var(--brass);
}
.form-note { font-size: 0.8rem; color: var(--grey-500); margin-top: 0.75rem; }
.form-success {
  display: none; background: #eef6ef; border: 1px solid #b7d7be; color: #1e4d2b;
  padding: 1rem 1.1rem; border-radius: 8px; margin-bottom: 1rem;
}
.form-success.show { display: block; }

/* Contact layout */
.contact-grid {
  display: grid; grid-template-columns: 1.2fr 0.8fr; gap: 2rem; align-items: start;
}
@media (max-width: 800px) { .contact-grid { grid-template-columns: 1fr; } }
.contact-aside {
  background: var(--navy); color: var(--white); border-radius: var(--radius);
  padding: 1.75rem; box-shadow: var(--shadow);
}
.contact-aside h3 { color: var(--white); }
.contact-aside p, .contact-aside a { color: rgba(255,255,255,0.8); }
.contact-aside a:hover { color: var(--brass-light); }
.contact-aside dl { margin: 1rem 0 0; }
.contact-aside dt { color: var(--brass-light); font-size: 0.78rem; letter-spacing: 0.08em; text-transform: uppercase; margin-top: 1rem; }
.contact-aside dd { margin: 0.2rem 0 0; }

/* Footer */
.site-footer {
  background: #081628; color: rgba(255,255,255,0.72); padding: 3rem 0 1.5rem;
  border-top: 1px solid rgba(201,166,107,0.2);
}
.footer-grid {
  display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 2rem; margin-bottom: 2rem;
}
@media (max-width: 800px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .footer-grid { grid-template-columns: 1fr; } }
.footer-brand { display: flex; gap: 0.75rem; align-items: flex-start; }
.footer-brand img { width: 40px; height: 40px; }
.footer-brand strong { color: var(--white); font-family: var(--serif); display: block; }
.site-footer h4 {
  color: var(--brass-light); font-size: 0.78rem; letter-spacing: 0.1em;
  text-transform: uppercase; font-family: var(--font); margin-bottom: 0.85rem;
}
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 0.4rem; }
.site-footer a { color: rgba(255,255,255,0.72); }
.site-footer a:hover { color: var(--brass-light); }
.footer-base {
  border-top: 1px solid rgba(255,255,255,0.08); padding-top: 1.25rem;
  display: flex; flex-wrap: wrap; gap: 0.75rem 1.5rem; justify-content: space-between;
  font-size: 0.82rem;
}
.disclaimer { font-size: 0.78rem; color: rgba(255,255,255,0.5); max-width: 70ch; }

/* Misc */
.badge {
  display: inline-block; font-size: 0.72rem; letter-spacing: 0.06em; text-transform: uppercase;
  background: rgba(201,166,107,0.15); color: var(--brass-dark); padding: 0.25rem 0.55rem;
  border-radius: 999px; font-weight: 600; margin-bottom: 0.6rem;
}
.prose { max-width: 68ch; }
.prose h2 { margin-top: 1.75rem; }
.list-check { list-style: none; padding: 0; }
.list-check li {
  position: relative; padding-left: 1.55rem; margin-bottom: 0.55rem; color: var(--grey-700);
}
.list-check li::before {
  content: ""; position: absolute; left: 0; top: 0.45rem; width: 0.7rem; height: 0.7rem;
  border-radius: 50%; background: var(--brass); box-shadow: inset 0 0 0 3px var(--navy);
}