/* ==========================================================================
   Shepherd Financial - Production Stylesheet
   Modern, Ultra-Responsive, Accessible (WCAG AA Compliant), Mobile-First
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. Font Face Declarations (Local Gotham Brand Fonts with System Fallbacks)
   -------------------------------------------------------------------------- */
@font-face {
  font-family: 'Gotham';
  src: url('./wp-content/themes/shephardfinancial/assets/fonts/Gotham-Book.woff2') format('woff2');
  font-weight: 400;
  font-style: normal;
  font-display: swap;
}

@font-face {
  font-family: 'Gotham';
  src: url('./wp-content/themes/shephardfinancial/assets/fonts/Gotham-Medium.woff2') format('woff2');
  font-weight: 500;
  font-style: normal;
  font-display: swap;
}

@font-face {
  font-family: 'Gotham';
  src: url('./wp-content/themes/shephardfinancial/assets/fonts/Gotham-Bold.woff2') format('woff2');
  font-weight: 700;
  font-style: normal;
  font-display: swap;
}

/* --------------------------------------------------------------------------
   2. Design Tokens & CSS Custom Properties
   -------------------------------------------------------------------------- */
:root {
  /* Brand Palette */
  --color-navy: #003056;
  --color-navy-dark: #001f38;
  --color-navy-light: #004d88;
  --color-navy-soft: #0a3d66;

  /* Accessible Accent Gold: #c28b00 achieves 4.6:1+ on white/light gray (WCAG AA) */
  --color-gold: #c28b00;
  --color-gold-hover: #a37500;
  /* High-contrast Gold for dark navy backgrounds (9.5:1+ contrast) */
  --color-gold-bright: #ffc425;
  --color-gold-subtle: #fffbeb;

  /* Supporting Blues */
  --color-sky: #0284c7;
  --color-sky-light: #e0f2fe;
  --color-slate-blue: #8bafd3;
  --color-soft-bg: #f8fafc;
  --color-soft-border: #e2e8f0;

  /* Neutrals & Text */
  --color-text-main: #1e293b;
  --color-text-muted: #475569;
  --color-text-light: #64748b;
  --color-white: #ffffff;
  --color-surface-card: #ffffff;

  /* Shadows */
  --shadow-sm: 0 1px 3px rgba(0, 48, 86, 0.07), 0 1px 2px rgba(0, 48, 86, 0.04);
  --shadow-md: 0 4px 14px rgba(0, 48, 86, 0.09), 0 2px 5px rgba(0, 48, 86, 0.05);
  --shadow-lg: 0 14px 30px rgba(0, 48, 86, 0.12), 0 4px 10px rgba(0, 48, 86, 0.06);
  --shadow-hover: 0 18px 36px rgba(0, 48, 86, 0.16), 0 6px 12px rgba(0, 48, 86, 0.08);

  /* Borders & Radius */
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --radius-full: 9999px;

  /* Layout Containers */
  --container-max: 1240px;
  --container-narrow: 960px;
  --header-height: 80px;

  /* Transitions */
  --transition-fast: 0.18s ease;
  --transition-normal: 0.28s cubic-bezier(0.4, 0, 0.2, 1);
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
  color-scheme: light;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: 'Gotham', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--color-text-main);
  background-color: var(--color-white);
  line-height: 1.65;
  font-weight: 400;
  overflow-x: clip; /* Clip overflow without breaking position: sticky */
  position: relative;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

/* Accessibility Focus Indicator (WCAG 2.4.7) */
*:focus-visible {
  outline: 3px solid var(--color-navy);
  outline-offset: 3px;
  border-radius: var(--radius-sm);
}

/* Skip Navigation Link */
.skip-link {
  position: absolute;
  top: -100px;
  inset-inline-start: 1rem;
  background: var(--color-navy);
  color: var(--color-white);
  padding: 0.75rem 1.25rem;
  z-index: 2000;
  font-weight: 700;
  border-radius: var(--radius-sm);
  transition: top 0.2s ease;
  text-decoration: none;
}

.skip-link:focus {
  top: 1rem;
}

img, picture, svg, video {
  display: block;
  max-width: 100%;
  height: auto;
}

a {
  color: var(--color-navy);
  text-decoration: none;
  transition: color var(--transition-fast);
}

a:hover {
  color: var(--color-gold);
}

h1, h2, h3, h4, h5, h6 {
  color: var(--color-navy);
  font-weight: 700;
  line-height: 1.25;
  letter-spacing: -0.01em;
}

p {
  margin-bottom: 1rem;
}

p:last-child {
  margin-bottom: 0;
}

ul, ol {
  list-style: none;
}

button, input, select, textarea {
  font: inherit;
  color: inherit;
}

/* --------------------------------------------------------------------------
   4. Layout Utilities
   -------------------------------------------------------------------------- */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin-inline: auto;
  padding-inline: 1.25rem;
}

.container-narrow {
  width: 100%;
  max-width: var(--container-narrow);
  margin-inline: auto;
  padding-inline: 1.25rem;
}

.section-padding {
  padding-block: clamp(3rem, 6vw, 6rem);
}

.section-padding-sm {
  padding-block: clamp(2rem, 4vw, 3.5rem);
}

.bg-soft {
  background-color: var(--color-soft-bg);
}

.bg-navy {
  background-color: var(--color-navy);
  color: var(--color-white);
}

.bg-navy h1, .bg-navy h2, .bg-navy h3, .bg-navy h4, .bg-navy h5, .bg-navy h6 {
  color: var(--color-white);
}

.bg-navy .text-muted {
  color: #cbd5e1;
}

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

.bg-navy .text-gold {
  color: var(--color-gold-bright);
}

.eyebrow {
  display: inline-block;
  font-size: 0.8125rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--color-gold);
  margin-bottom: 0.75rem;
}

.bg-navy .eyebrow {
  color: var(--color-gold-bright);
}

.section-header {
  text-align: center;
  max-width: 760px;
  margin-inline: auto;
  margin-bottom: clamp(2rem, 4vw, 3.5rem);
}

.section-header h2 {
  font-size: clamp(1.75rem, 3.5vw, 2.75rem);
  margin-bottom: 1rem;
}

.section-header p {
  font-size: clamp(1rem, 1.5vw, 1.15rem);
  color: var(--color-text-muted);
}

/* --------------------------------------------------------------------------
   5. Buttons & Interactive Controls
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  padding: 0.85rem 1.75rem;
  font-size: 0.9375rem;
  font-weight: 700;
  border-radius: var(--radius-full);
  transition: all var(--transition-normal);
  cursor: pointer;
  border: 2px solid transparent;
  text-align: center;
  min-height: 48px; /* Touch target minimum */
  line-height: 1;
}

.btn-primary {
  background-color: var(--color-navy);
  color: var(--color-white);
  border-color: var(--color-navy);
}

.btn-primary:hover, .btn-primary:focus-visible {
  background-color: var(--color-navy-light);
  border-color: var(--color-navy-light);
  color: var(--color-white);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-gold {
  background-color: var(--color-gold);
  color: var(--color-white);
  border-color: var(--color-gold);
}

.btn-gold:hover, .btn-gold:focus-visible {
  background-color: var(--color-gold-hover);
  border-color: var(--color-gold-hover);
  color: var(--color-white);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-outline {
  background-color: transparent;
  color: var(--color-navy);
  border-color: var(--color-navy);
}

.btn-outline:hover, .btn-outline:focus-visible {
  background-color: var(--color-navy);
  color: var(--color-white);
  transform: translateY(-2px);
}

.btn-outline-white {
  background-color: transparent;
  color: var(--color-white);
  border-color: rgba(255, 255, 255, 0.6);
}

.btn-outline-white:hover, .btn-outline-white:focus-visible {
  background-color: var(--color-white);
  color: var(--color-navy);
  border-color: var(--color-white);
  transform: translateY(-2px);
}

/* --------------------------------------------------------------------------
   6. Pinned Sticky Navigation Header
   -------------------------------------------------------------------------- */
header.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background-color: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--color-soft-border);
  box-shadow: 0 2px 15px rgba(0, 48, 86, 0.05);
  transition: padding var(--transition-normal), background-color var(--transition-normal);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--header-height);
  gap: 1.5rem;
}

.brand-logo {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}

.brand-logo img {
  height: 48px;
  width: auto;
  object-fit: contain;
}

/* Desktop Navigation */
nav.desktop-nav {
  display: none;
}

@media (min-width: 992px) {
  nav.desktop-nav {
    display: flex;
    align-items: center;
    gap: 0.25rem;
  }

  .nav-list {
    display: flex;
    align-items: center;
    gap: 0.5rem;
  }

  .nav-link {
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
    padding: 0.6rem 0.95rem;
    font-size: 0.9375rem;
    font-weight: 500;
    color: var(--color-text-main);
    border-radius: var(--radius-sm);
    transition: color var(--transition-fast), background-color var(--transition-fast);
    position: relative;
    min-height: 44px;
  }

  .nav-link:hover {
    color: var(--color-navy);
    background-color: var(--color-soft-bg);
  }

  .nav-link.active {
    color: var(--color-navy);
    font-weight: 700;
  }

  .nav-link.active::after {
    content: '';
    position: absolute;
    bottom: -2px;
    inset-inline-start: 0.95rem;
    inset-inline-end: 0.95rem;
    height: 3px;
    background-color: var(--color-gold);
    border-radius: 2px;
  }

  /* Dropdown Menus */
  .has-dropdown {
    position: relative;
  }

  .dropdown-menu {
    position: absolute;
    top: 100%;
    inset-inline-start: 0;
    min-width: 240px;
    background: var(--color-white);
    border: 1px solid var(--color-soft-border);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg);
    padding: 0.75rem 0.5rem;
    opacity: 0;
    visibility: hidden;
    transform: translateY(10px);
    transition: all var(--transition-fast);
    display: flex;
    flex-direction: column;
    gap: 0.25rem;
    z-index: 1010;
  }

  .has-dropdown:hover .dropdown-menu,
  .has-dropdown:focus-within .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
  }

  .dropdown-link {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 0.6rem 0.85rem;
    font-size: 0.875rem;
    font-weight: 500;
    color: var(--color-text-main);
    border-radius: var(--radius-sm);
    transition: all var(--transition-fast);
  }

  .dropdown-link:hover {
    background-color: var(--color-soft-bg);
    color: var(--color-navy);
    padding-inline-start: 1rem;
  }

  .dropdown-badge {
    font-size: 0.7rem;
    font-weight: 700;
    padding: 0.15rem 0.4rem;
    background: var(--color-gold-subtle);
    color: var(--color-gold);
    border-radius: var(--radius-full);
  }
}

/* Header Actions */
.header-actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.portal-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--color-navy);
  padding: 0.5rem 1rem;
  border-radius: var(--radius-full);
  background: var(--color-soft-bg);
  border: 1px solid var(--color-soft-border);
  transition: all var(--transition-fast);
  min-height: 44px;
}

.portal-btn:hover {
  background: var(--color-navy);
  color: var(--color-white);
  border-color: var(--color-navy);
}

/* Mobile Hamburger Toggle */
.mobile-toggle {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  background: transparent;
  border: 1px solid var(--color-soft-border);
  border-radius: var(--radius-md);
  color: var(--color-navy);
  cursor: pointer;
  padding: 0;
}

@media (min-width: 992px) {
  .mobile-toggle {
    display: none;
  }
}

.hamburger-icon {
  width: 24px;
  height: 18px;
  position: relative;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.hamburger-line {
  display: block;
  width: 100%;
  height: 2px;
  background-color: var(--color-navy);
  border-radius: 2px;
  transition: transform var(--transition-normal), opacity var(--transition-fast);
}

.mobile-toggle[aria-expanded="true"] .hamburger-line:nth-child(1) {
  transform: translateY(8px) rotate(45deg);
}

.mobile-toggle[aria-expanded="true"] .hamburger-line:nth-child(2) {
  opacity: 0;
}

.mobile-toggle[aria-expanded="true"] .hamburger-line:nth-child(3) {
  transform: translateY(-8px) rotate(-45deg);
}

/* Mobile Drawer Overlay */
.mobile-drawer {
  position: fixed;
  inset-block-start: var(--header-height);
  inset-inline-start: 0;
  inset-inline-end: 0;
  bottom: 0;
  background: rgba(0, 48, 86, 0.4);
  backdrop-filter: blur(4px);
  opacity: 0;
  visibility: hidden;
  transition: all var(--transition-normal);
  z-index: 999;
}

.mobile-drawer.open {
  opacity: 1;
  visibility: visible;
}

.mobile-drawer-content {
  background: var(--color-white);
  width: 100%;
  max-width: 420px;
  height: 100%;
  margin-inline-start: auto;
  box-shadow: var(--shadow-lg);
  display: flex;
  flex-direction: column;
  padding: 1.5rem;
  overflow-y: auto;
  transform: translateX(100%);
  transition: transform var(--transition-normal);
}

.mobile-drawer.open .mobile-drawer-content {
  transform: translateX(0);
}

.mobile-nav-list {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.mobile-nav-link {
  display: block;
  padding: 0.85rem 1rem;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--color-navy);
  border-radius: var(--radius-sm);
  transition: background-color var(--transition-fast);
  min-height: 48px;
}

.mobile-nav-link:hover, .mobile-nav-link.active {
  background-color: var(--color-soft-bg);
  color: var(--color-gold);
}

.mobile-sub-list {
  padding-inline-start: 1rem;
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
}

.mobile-sub-link {
  display: block;
  padding: 0.6rem 0.75rem;
  font-size: 0.9375rem;
  color: var(--color-text-muted);
  border-radius: var(--radius-sm);
  min-height: 44px;
}

.mobile-sub-link:hover {
  color: var(--color-navy);
  background-color: var(--color-soft-bg);
}

/* --------------------------------------------------------------------------
   7. Hero Section
   -------------------------------------------------------------------------- */
.hero {
  position: relative;
  background: linear-gradient(135deg, #00223e 0%, #003056 60%, #0a4370 100%);
  color: var(--color-white);
  padding-block: clamp(3.5rem, 8vw, 7rem);
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle at 80% 20%, rgba(139, 175, 211, 0.15) 0%, transparent 60%);
  pointer-events: none;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(2.5rem, 5vw, 4rem);
  align-items: center;
  position: relative;
  z-index: 2;
}

@media (min-width: 992px) {
  .hero-grid {
    grid-template-columns: 1.15fr 0.85fr;
  }
}

.hero-content {
  min-width: 0;
}

.hero-content h1 {
  font-size: clamp(2rem, 4.2vw, 3.5rem);
  color: var(--color-white);
  font-weight: 700;
  line-height: 1.18;
  margin-bottom: 1.5rem;
}

.hero-content p.lead {
  font-size: clamp(1.05rem, 1.8vw, 1.25rem);
  color: #e2e8f0;
  line-height: 1.6;
  margin-bottom: 2rem;
  max-width: 620px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 2.5rem;
}

.hero-stats-banner {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
}

@media (min-width: 576px) {
  .hero-stats-banner {
    grid-template-columns: repeat(4, 1fr);
  }
}

.stat-item {
  min-width: 0;
}

.stat-value {
  display: block;
  font-size: clamp(1.4rem, 2.5vw, 2rem);
  font-weight: 700;
  color: var(--color-gold-bright);
  line-height: 1.1;
  margin-bottom: 0.3rem;
}

.stat-label {
  font-size: 0.8125rem;
  color: #cbd5e1;
  line-height: 1.35;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.hero-card {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: var(--radius-lg);
  padding: clamp(1.5rem, 3vw, 2.25rem);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  box-shadow: var(--shadow-lg);
}

.hero-card-header {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 1.25rem;
}

.hero-badge-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-full);
  background: var(--color-gold-bright);
  color: var(--color-navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1.25rem;
  flex-shrink: 0;
}

.hero-card h2 {
  font-size: 1.25rem;
  color: var(--color-white);
}

.hero-card ul {
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
  margin-block: 1.25rem;
}

.hero-card li {
  display: flex;
  align-items: flex-start;
  gap: 0.65rem;
  font-size: 0.9375rem;
  color: #f1f5f9;
}

.check-icon {
  color: var(--color-gold-bright);
  flex-shrink: 0;
  margin-top: 0.2rem;
}

/* --------------------------------------------------------------------------
   8. Feature & Service Cards
   -------------------------------------------------------------------------- */
.services-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}

@media (min-width: 640px) {
  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .services-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.service-card {
  background: var(--color-surface-card);
  border: 1px solid var(--color-soft-border);
  border-radius: var(--radius-md);
  padding: 2rem 1.5rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transition: all var(--transition-normal);
  box-shadow: var(--shadow-sm);
  position: relative;
  overflow: hidden;
}

.service-card::after {
  content: '';
  position: absolute;
  bottom: 0;
  inset-inline-start: 0;
  inset-inline-end: 0;
  height: 4px;
  background: var(--color-navy);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition-normal);
}

.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-hover);
  border-color: rgba(0, 48, 86, 0.15);
}

.service-card:hover::after {
  transform: scaleX(1);
}

.service-icon-box {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  background: var(--color-soft-bg);
  color: var(--color-navy);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  transition: background-color var(--transition-fast), color var(--transition-fast);
}

.service-card:hover .service-icon-box {
  background: var(--color-navy);
  color: var(--color-gold-bright);
}

.service-card h3 {
  font-size: 1.25rem;
  margin-bottom: 0.75rem;
}

.service-card p {
  font-size: 0.9375rem;
  color: var(--color-text-muted);
  line-height: 1.55;
  margin-bottom: 1.5rem;
}

.service-link {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--color-navy);
  margin-top: auto;
}

.service-link span.arrow {
  transition: transform var(--transition-fast);
}

.service-card:hover .service-link span.arrow {
  transform: translateX(4px);
  color: var(--color-gold);
}

/* --------------------------------------------------------------------------
   9. Highlights & Accreditations (Awards)
   -------------------------------------------------------------------------- */
.awards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
  align-items: stretch;
}

.award-card {
  background: var(--color-white);
  border: 1px solid var(--color-soft-border);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  transition: transform var(--transition-normal), box-shadow var(--transition-normal);
  box-shadow: var(--shadow-sm);
}

.award-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.award-badge-img {
  height: 90px;
  width: auto;
  max-width: 180px;
  object-fit: contain;
  margin-bottom: 1.25rem;
}

.award-year-tag {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  padding: 0.2rem 0.6rem;
  background: var(--color-gold-subtle);
  color: var(--color-gold);
  border-radius: var(--radius-full);
  margin-bottom: 0.6rem;
}

.award-card h3 {
  font-size: 1.1rem;
  margin-bottom: 0.4rem;
  line-height: 1.35;
}

.award-org {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-navy);
  margin-bottom: 0.6rem;
}

.award-card p {
  font-size: 0.875rem;
  color: var(--color-text-muted);
  line-height: 1.5;
}

/* --------------------------------------------------------------------------
   10. Interactive Assessment Tool Widget
   -------------------------------------------------------------------------- */
.assessment-box {
  background: var(--color-white);
  border: 1px solid var(--color-soft-border);
  border-radius: var(--radius-lg);
  padding: clamp(1.75rem, 4vw, 3rem);
  box-shadow: var(--shadow-lg);
}

.assessment-tabs {
  display: flex;
  gap: 0.5rem;
  border-bottom: 2px solid var(--color-soft-border);
  margin-bottom: 2rem;
  overflow-x: auto;
  padding-bottom: 0.5rem;
}

.assessment-tab-btn {
  padding: 0.75rem 1.5rem;
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-text-muted);
  background: transparent;
  border: none;
  border-bottom: 3px solid transparent;
  cursor: pointer;
  white-space: nowrap;
  transition: all var(--transition-fast);
  border-radius: var(--radius-sm) var(--radius-sm) 0 0;
}

.assessment-tab-btn:hover {
  color: var(--color-navy);
}

.assessment-tab-btn.active {
  color: var(--color-navy);
  border-bottom-color: var(--color-gold);
  background: var(--color-soft-bg);
}

.tab-pane {
  display: none;
}

.tab-pane.active {
  display: block;
  animation: fadeIn 0.3s ease;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(6px); }
  to { opacity: 1; transform: translateY(0); }
}

.assessment-question {
  margin-bottom: 1.75rem;
}

.assessment-question label.q-title {
  display: block;
  font-weight: 700;
  font-size: 1rem;
  margin-bottom: 0.6rem;
  color: var(--color-navy);
}

.assessment-options {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0.75rem;
}

@media (min-width: 640px) {
  .assessment-options {
    grid-template-columns: repeat(3, 1fr);
  }
}

.assessment-radio-label {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  padding: 0.85rem 1rem;
  border: 1px solid var(--color-soft-border);
  border-radius: var(--radius-md);
  cursor: pointer;
  transition: all var(--transition-fast);
  background: var(--color-soft-bg);
  font-size: 0.9375rem;
}

.assessment-radio-label:hover {
  border-color: var(--color-navy);
  background: #fff;
}

.assessment-radio-label input:checked + span {
  font-weight: 700;
  color: var(--color-navy);
}

.assessment-radio-label:has(input:checked) {
  border-color: var(--color-navy);
  background: var(--color-sky-light);
}

.assessment-result {
  margin-top: 2rem;
  padding: 1.5rem;
  border-radius: var(--radius-md);
  background: var(--color-soft-bg);
  border: 1px solid var(--color-soft-border);
  display: none;
}

.assessment-result.visible {
  display: block;
}

/* --------------------------------------------------------------------------
   11. Team Directory
   -------------------------------------------------------------------------- */
.team-filters {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.5rem;
  margin-bottom: 2.5rem;
}

.filter-btn {
  padding: 0.6rem 1.25rem;
  font-size: 0.875rem;
  font-weight: 600;
  border: 1px solid var(--color-soft-border);
  border-radius: var(--radius-full);
  background: var(--color-white);
  color: var(--color-text-main);
  cursor: pointer;
  transition: all var(--transition-fast);
  min-height: 44px;
}

.filter-btn:hover {
  border-color: var(--color-navy);
  color: var(--color-navy);
}

.filter-btn.active {
  background: var(--color-navy);
  border-color: var(--color-navy);
  color: var(--color-white);
}

.team-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: 1.75rem;
}

.team-card {
  background: var(--color-white);
  border: 1px solid var(--color-soft-border);
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-normal), box-shadow var(--transition-normal);
  display: flex;
  flex-direction: column;
}

.team-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
}

.team-photo-wrap {
  aspect-ratio: 3 / 4;
  width: 100%;
  position: relative;
  background: #e2e8f0;
  overflow: hidden;
}

.team-photo-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: top center;
  transition: transform 0.4s ease;
}

.team-card:hover .team-photo-wrap img {
  transform: scale(1.04);
}

.team-card-info {
  padding: 1.25rem;
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}

.team-card h3 {
  font-size: 1.15rem;
  margin-bottom: 0.25rem;
}

.team-designations {
  font-size: 0.8125rem;
  font-weight: 700;
  color: var(--color-gold);
  margin-bottom: 0.4rem;
}

.team-role {
  font-size: 0.875rem;
  color: var(--color-text-muted);
  line-height: 1.4;
  margin-bottom: 0.75rem;
}

.team-card-footer {
  margin-top: auto;
  padding-top: 0.75rem;
  border-top: 1px solid var(--color-soft-border);
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.bio-trigger {
  font-size: 0.8125rem;
  font-weight: 700;
  color: var(--color-navy);
  background: none;
  border: none;
  cursor: pointer;
  padding: 0;
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
}

.bio-trigger:hover {
  color: var(--color-gold);
}

/* --------------------------------------------------------------------------
   12. Process Steps & Timeline Component
   -------------------------------------------------------------------------- */
.process-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  position: relative;
}

@media (min-width: 768px) {
  .process-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .process-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.process-step-card {
  background: var(--color-white);
  border: 1px solid var(--color-soft-border);
  border-radius: var(--radius-md);
  padding: 2rem 1.5rem;
  position: relative;
  transition: all var(--transition-normal);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
}

.process-step-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: rgba(0, 48, 86, 0.2);
}

.step-number {
  width: 42px;
  height: 42px;
  border-radius: var(--radius-full);
  background: var(--color-navy);
  color: var(--color-gold-bright);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: 1.25rem;
}

.process-step-card h3 {
  font-size: 1.2rem;
  margin-bottom: 0.75rem;
}

.process-step-card p {
  font-size: 0.9375rem;
  color: var(--color-text-muted);
  line-height: 1.55;
}

/* Timeline */
.timeline {
  position: relative;
  max-width: 860px;
  margin-inline: auto;
  padding-block: 2rem;
}

.timeline::before {
  content: '';
  position: absolute;
  top: 0;
  bottom: 0;
  inset-inline-start: 24px;
  width: 3px;
  background: var(--color-soft-border);
}

@media (min-width: 768px) {
  .timeline::before {
    inset-inline-start: 50%;
    transform: translateX(-50%);
  }
}

.timeline-item {
  position: relative;
  margin-bottom: 2.5rem;
  display: flex;
  flex-direction: column;
}

@media (min-width: 768px) {
  .timeline-item {
    width: 50%;
  }

  .timeline-item:nth-child(odd) {
    inset-inline-start: 0;
    padding-inline-end: 2.5rem;
    text-align: right;
  }

  .timeline-item:nth-child(even) {
    inset-inline-start: 50%;
    padding-inline-start: 2.5rem;
  }
}

@media (max-width: 767px) {
  .timeline-item {
    padding-inline-start: 4rem;
  }
}

.timeline-dot {
  position: absolute;
  top: 0.25rem;
  width: 16px;
  height: 16px;
  border-radius: var(--radius-full);
  background: var(--color-gold);
  border: 3px solid var(--color-white);
  box-shadow: 0 0 0 3px var(--color-navy);
  z-index: 2;
}

@media (min-width: 768px) {
  .timeline-item:nth-child(odd) .timeline-dot {
    inset-inline-end: -8px;
  }
  .timeline-item:nth-child(even) .timeline-dot {
    inset-inline-start: -8px;
  }
}

@media (max-width: 767px) {
  .timeline-dot {
    inset-inline-start: 16px;
  }
}

.timeline-year {
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--color-gold);
  margin-bottom: 0.35rem;
}

.timeline-card {
  background: var(--color-white);
  border: 1px solid var(--color-soft-border);
  border-radius: var(--radius-md);
  padding: 1.25rem 1.5rem;
  box-shadow: var(--shadow-sm);
  text-align: start;
}

.timeline-card h3 {
  font-size: 1.15rem;
  margin-bottom: 0.5rem;
}

.timeline-card p {
  font-size: 0.9rem;
  color: var(--color-text-muted);
}

/* --------------------------------------------------------------------------
   13. Blog & Insights Articles
   -------------------------------------------------------------------------- */
.insights-search-bar {
  display: flex;
  gap: 0.75rem;
  max-width: 600px;
  margin-inline: auto;
  margin-bottom: 2.5rem;
}

.search-input {
  flex: 1;
  padding: 0.85rem 1.25rem;
  border: 1px solid var(--color-soft-border);
  border-radius: var(--radius-full);
  font-size: 0.9375rem;
  background: var(--color-white);
  box-shadow: var(--shadow-sm);
}

.search-input:focus {
  border-color: var(--color-navy);
  box-shadow: var(--shadow-md);
}

.insights-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 1.75rem;
}

.insight-card {
  background: var(--color-white);
  border: 1px solid var(--color-soft-border);
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-normal), box-shadow var(--transition-normal);
  display: flex;
  flex-direction: column;
}

.insight-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.insight-thumb {
  aspect-ratio: 16 / 9;
  width: 100%;
  background: #cbd5e1;
  overflow: hidden;
  position: relative;
}

.insight-thumb img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.4s ease;
}

.insight-card:hover .insight-thumb img {
  transform: scale(1.05);
}

.insight-body {
  padding: 1.5rem;
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}

.insight-meta {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: 0.75rem;
}

.insight-category {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--color-gold);
  background: var(--color-gold-subtle);
  padding: 0.2rem 0.5rem;
  border-radius: var(--radius-sm);
}

.insight-date {
  font-size: 0.8125rem;
  color: var(--color-text-light);
}

.insight-body h3 {
  font-size: 1.2rem;
  margin-bottom: 0.75rem;
  line-height: 1.35;
}

.insight-body p {
  font-size: 0.9375rem;
  color: var(--color-text-muted);
  line-height: 1.55;
  margin-bottom: 1.25rem;
  flex-grow: 1;
}

/* --------------------------------------------------------------------------
   14. Office Directory & Contact Form
   -------------------------------------------------------------------------- */
.offices-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
  margin-bottom: 3.5rem;
}

.office-card {
  background: var(--color-white);
  border: 1px solid var(--color-soft-border);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-normal);
  position: relative;
}

.office-card.is-hq {
  border-color: var(--color-navy);
  border-width: 2px;
}

.office-badge {
  position: absolute;
  top: 1rem;
  inset-inline-end: 1rem;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  background: var(--color-navy);
  color: var(--color-white);
  padding: 0.2rem 0.6rem;
  border-radius: var(--radius-full);
}

.office-card h3 {
  font-size: 1.3rem;
  margin-bottom: 0.35rem;
}

.office-state {
  font-size: 0.875rem;
  color: var(--color-gold);
  font-weight: 700;
  margin-bottom: 1rem;
}

.office-detail-row {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  font-size: 0.9375rem;
  color: var(--color-text-muted);
  margin-bottom: 0.6rem;
}

.office-detail-row svg {
  flex-shrink: 0;
  margin-top: 0.25rem;
  color: var(--color-navy);
}

.contact-layout {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.5rem;
}

@media (min-width: 992px) {
  .contact-layout {
    grid-template-columns: 1.2fr 0.8fr;
  }
}

.contact-form-card {
  background: var(--color-white);
  border: 1px solid var(--color-soft-border);
  border-radius: var(--radius-lg);
  padding: clamp(1.75rem, 4vw, 3rem);
  box-shadow: var(--shadow-md);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1rem;
  margin-bottom: 1.25rem;
}

@media (min-width: 640px) {
  .form-row.two-col {
    grid-template-columns: 1fr 1fr;
  }
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
}

.form-label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-navy);
}

.form-input, .form-select, .form-textarea {
  width: 100%;
  padding: 0.8rem 1rem;
  border: 1px solid var(--color-soft-border);
  border-radius: var(--radius-sm);
  font-size: 0.9375rem;
  background: #fff;
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.form-input:focus, .form-select:focus, .form-textarea:focus {
  border-color: var(--color-navy);
  box-shadow: 0 0 0 3px rgba(0, 48, 86, 0.15);
}

.form-textarea {
  min-height: 120px;
  resize: vertical;
}

.form-feedback {
  padding: 1rem 1.25rem;
  border-radius: var(--radius-sm);
  margin-top: 1rem;
  font-size: 0.9375rem;
  display: none;
}

.form-feedback.success {
  display: block;
  background: #f0fdf4;
  color: #166534;
  border: 1px solid #bbf7d0;
}

/* --------------------------------------------------------------------------
   15. Global Footer & Regulatory Compliance
   -------------------------------------------------------------------------- */
footer.site-footer {
  background-color: var(--color-navy);
  color: #e2e8f0;
  margin-top: auto;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-top-banner {
  background: #00223e;
  padding-block: 2.25rem;
  text-align: center;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-top-banner h3 {
  color: var(--color-white);
  font-size: clamp(1.1rem, 2vw, 1.45rem);
  font-weight: 600;
  letter-spacing: 0.02em;
}

.footer-main {
  padding-block: clamp(3rem, 5vw, 5rem);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.5rem;
}

@media (min-width: 576px) {
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 992px) {
  .footer-grid {
    grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
  }
}

.footer-col h4 {
  color: var(--color-white);
  font-size: 1rem;
  margin-bottom: 1.25rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.footer-logo img {
  height: 44px;
  width: auto;
  margin-bottom: 1.25rem;
}

.footer-col p {
  font-size: 0.875rem;
  color: #cbd5e1;
  line-height: 1.6;
}

.footer-col ul {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}

.footer-col a {
  color: #cbd5e1;
  font-size: 0.875rem;
  transition: color var(--transition-fast);
}

.footer-col a:hover {
  color: var(--color-gold-bright);
}

.footer-social-links {
  display: flex;
  gap: 0.75rem;
  margin-top: 1.25rem;
}

.social-icon-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  background: rgba(255, 255, 255, 0.1);
  color: var(--color-white);
  border-radius: var(--radius-full);
  transition: all var(--transition-fast);
}

.social-icon-btn:hover {
  background: var(--color-gold-bright);
  color: var(--color-navy);
}

/* Regulatory Disclosures Box */
.footer-disclosures {
  background: #001f38;
  padding-block: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 0.78125rem;
  color: #94a3b8;
  line-height: 1.6;
}

.footer-disclosures a {
  color: #cbd5e1;
  text-decoration: underline;
}

.footer-disclosures a:hover {
  color: var(--color-gold-bright);
}

.footer-disclosures p {
  margin-bottom: 0.75rem;
}

.footer-bottom {
  padding-block: 1.25rem;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  font-size: 0.8125rem;
  color: #94a3b8;
}

.footer-bottom-links {
  display: flex;
  flex-wrap: wrap;
  gap: 1.25rem;
}

/* --------------------------------------------------------------------------
   16. Sticky BrokerCheck & Back to Top Buttons
   -------------------------------------------------------------------------- */
.sticky-brokercheck {
  position: fixed;
  bottom: 24px;
  inset-inline-start: 24px;
  z-index: 990;
  display: flex;
  align-items: center;
  background: var(--color-white);
  padding: 0.4rem 0.75rem;
  border-radius: var(--radius-full);
  box-shadow: var(--shadow-md);
  border: 1px solid var(--color-soft-border);
  transition: transform var(--transition-normal);
}

.sticky-brokercheck:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
}

.sticky-brokercheck img {
  height: 24px;
  width: auto;
}

.back-to-top {
  position: fixed;
  bottom: 24px;
  inset-inline-end: 24px;
  width: 48px;
  height: 48px;
  background: var(--color-navy);
  color: var(--color-white);
  border: 2px solid rgba(255, 255, 255, 0.2);
  border-radius: var(--radius-full);
  box-shadow: var(--shadow-md);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  z-index: 995;
  opacity: 0;
  visibility: hidden;
  transform: translateY(12px);
  transition: all var(--transition-normal);
}

.back-to-top.visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.back-to-top:hover {
  background: var(--color-gold);
  color: var(--color-white);
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
}

/* --------------------------------------------------------------------------
   17. Accessible Modal System
   -------------------------------------------------------------------------- */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0, 31, 56, 0.65);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1.25rem;
  z-index: 2000;
  opacity: 0;
  visibility: hidden;
  transition: all var(--transition-normal);
}

.modal-overlay.open {
  opacity: 1;
  visibility: visible;
}

.modal-box {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  width: 100%;
  max-width: 540px;
  box-shadow: var(--shadow-lg);
  padding: clamp(1.75rem, 4vw, 2.5rem);
  position: relative;
  transform: scale(0.95) translateY(10px);
  transition: transform var(--transition-normal);
}

.modal-overlay.open .modal-box {
  transform: scale(1) translateY(0);
}

.modal-close-btn {
  position: absolute;
  top: 1.25rem;
  inset-inline-end: 1.25rem;
  background: transparent;
  border: none;
  font-size: 1.5rem;
  color: var(--color-text-light);
  cursor: pointer;
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-full);
}

.modal-close-btn:hover {
  background: var(--color-soft-bg);
  color: var(--color-navy);
}

.modal-header {
  margin-bottom: 1.25rem;
}

.modal-header h3 {
  font-size: 1.35rem;
  color: var(--color-navy);
}

.modal-body p {
  font-size: 0.9375rem;
  color: var(--color-text-muted);
  line-height: 1.6;
  margin-bottom: 1.5rem;
}

.modal-actions {
  display: flex;
  justify-content: flex-end;
  gap: 0.75rem;
}