/* Simplex Finance — shared styles */
:root {
  --navy: #382523;       /* espresso brown — headings, primary text */
  --navy-dark: #191a1c;  /* near-black — dark backgrounds */
  --gold: #874b38;       /* rust — accent, buttons, links */
  --gold-light: #b28a7e; /* lighter rust — hover/highlight on dark bg */
  --taupe: #8f7e74;      /* taupe — badges, secondary accents */
  --grey: #6b5f58;       /* warm grey — body copy */
  --light-bg: #f7f4f2;
  --white: #ffffff;
  --border: #e6e0db;
  --radius: 8px;
  --shadow: 0 4px 18px rgba(56, 37, 35, 0.08);
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: 'Segoe UI', Helvetica, Arial, sans-serif;
  color: #1c2733;
  line-height: 1.6;
  background: var(--white);
}

h1, h2, h3, h4 {
  font-family: Georgia, 'Times New Roman', serif;
  color: var(--navy);
  line-height: 1.25;
  margin-top: 0;
}

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

.container {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
}

/* Header / Nav */
header {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 50;
}

.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 24px;
  max-width: 1140px;
  margin: 0 auto;
}

.logo {
  font-family: Georgia, serif;
  font-size: 1.5rem;
  font-weight: bold;
  color: var(--navy);
  letter-spacing: 0.5px;
  display: flex;
  align-items: center;
}

.logo span { color: var(--gold); }

.logo img {
  height: 42px;
  width: auto;
  display: block;
}

.eyebrow-tagline {
  font-style: italic;
  color: var(--gold-light);
  font-size: 1rem;
  letter-spacing: 0.3px;
}

.footer-logo img {
  height: 36px;
  width: auto;
  margin-bottom: 14px;
  /* logo is dark on transparent; lighten for the dark footer background */
  filter: brightness(0) invert(1) opacity(0.92);
}

nav ul {
  display: flex;
  list-style: none;
  gap: 28px;
  margin: 0;
  padding: 0;
}

nav a {
  color: var(--navy);
  font-weight: 600;
  font-size: 0.95rem;
  transition: color 0.2s;
}

nav a:hover, nav a.active { color: var(--gold); }

.nav-cta {
  background: var(--navy);
  color: var(--white) !important;
  padding: 10px 20px;
  border-radius: var(--radius);
  font-weight: 600;
}

.nav-cta:hover { background: var(--navy-dark); color: var(--white) !important; }

.menu-toggle { display: none; }

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: var(--white);
  padding: 90px 24px;
}

.hero .container {
  display: flex;
  align-items: center;
  gap: 50px;
}

.hero-text { flex: 1.2; }
.hero-visual { flex: 1; text-align: center; }

.hero h1 {
  color: var(--white);
  font-size: 2.6rem;
  margin-bottom: 18px;
}

.hero p {
  font-size: 1.1rem;
  color: #cdd9e8;
  margin-bottom: 28px;
  max-width: 520px;
}

.eyebrow {
  color: var(--gold-light);
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  font-size: 0.8rem;
  margin-bottom: 14px;
  display: block;
}

.btn {
  display: inline-block;
  padding: 14px 28px;
  border-radius: var(--radius);
  font-weight: 700;
  cursor: pointer;
  border: none;
  font-size: 0.95rem;
}

.btn-primary { background: var(--gold); color: var(--white); }
.btn-primary:hover { background: var(--gold-light); color: var(--white); }

.btn-outline {
  background: transparent;
  border: 1.5px solid var(--white);
  color: var(--white) !important;
  margin-left: 12px;
}
.btn-outline:hover { background: rgba(255,255,255,0.1); }

.hero-stats {
  display: flex;
  gap: 30px;
  margin-top: 36px;
}

.hero-stats div { text-align: left; }
.hero-stats strong { display: block; font-size: 1.8rem; color: var(--gold-light); font-family: Georgia, serif; }
.hero-stats span { font-size: 0.85rem; color: #b7c4d6; }

/* Sections */
section { padding: 70px 24px; }
.section-light { background: var(--light-bg); }

.section-head { text-align: center; max-width: 680px; margin: 0 auto 50px; }
.section-head h2 { font-size: 2rem; }
.section-head p { color: var(--grey); }

/* Cards grid */
.grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.grid.cols-2 { grid-template-columns: repeat(2, 1fr); }
.grid.cols-3 { grid-template-columns: repeat(3, 1fr); }

.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 30px 24px;
  box-shadow: var(--shadow);
}

.card .icon {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: rgba(135,75,56,0.12);
  color: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 18px;
  font-weight: 700;
}

.card h3 { font-size: 1.15rem; margin-bottom: 10px; }
.card p { color: var(--grey); font-size: 0.95rem; margin-bottom: 0; }

/* About / split layout */
.split {
  display: flex;
  gap: 50px;
  align-items: center;
}
.split > div { flex: 1; }

.badge-row {
  display: flex;
  gap: 14px;
  margin-top: 22px;
  flex-wrap: wrap;
}

.badge {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 999px;
  padding: 8px 18px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
}

.portrait-frame {
  background: var(--navy);
  border-radius: var(--radius);
  height: 360px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-light);
  font-family: Georgia, serif;
  font-size: 1.1rem;
  text-align: center;
  padding: 20px;
}

/* Process steps */
.steps {
  display: flex;
  gap: 24px;
  counter-reset: step;
}
.step { flex: 1; text-align: left; position: relative; padding-top: 10px; }
.step .num {
  font-family: Georgia, serif;
  font-size: 2.2rem;
  color: var(--gold);
  font-weight: 700;
  margin-bottom: 8px;
  display: block;
}

/* Calculator */
.calc-wrap {
  display: flex;
  gap: 40px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 40px;
}
.calc-form { flex: 1; }
.calc-result { flex: 1; background: var(--light-bg); border-radius: var(--radius); padding: 30px; }

.field { margin-bottom: 20px; }
.field label { display: block; font-weight: 600; margin-bottom: 6px; font-size: 0.9rem; }
.field input, .field select {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  font-size: 1rem;
  font-family: inherit;
}

.result-line {
  display: flex;
  justify-content: space-between;
  padding: 14px 0;
  border-bottom: 1px solid var(--border);
}
.result-line:last-child { border-bottom: none; }
.result-line .label { color: var(--grey); }
.result-line .value { font-weight: 700; color: var(--navy); }
.result-headline {
  font-family: Georgia, serif;
  font-size: 2.2rem;
  color: var(--navy);
  margin-bottom: 4px;
}
.disclaimer {
  font-size: 0.78rem;
  color: var(--grey);
  margin-top: 20px;
  line-height: 1.5;
}

/* Contact */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 50px; }
.contact-info .item { margin-bottom: 24px; }
.contact-info .item strong { display: block; color: var(--navy); margin-bottom: 4px; }
form .field textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  font-family: inherit;
  font-size: 1rem;
  min-height: 120px;
  resize: vertical;
}

/* CTA band */
.cta-band {
  background: var(--navy);
  color: var(--white);
  text-align: center;
  padding: 60px 24px;
}
.cta-band h2 { color: var(--white); }
.cta-band p { color: #cdd9e8; max-width: 560px; margin: 0 auto 28px; }

/* Footer */
footer {
  background: var(--navy-dark);
  color: #aebbcb;
  padding: 50px 24px 24px;
  font-size: 0.9rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 30px;
}
.footer-grid h4 { color: var(--white); font-size: 1rem; margin-bottom: 14px; }
.footer-grid ul { list-style: none; padding: 0; margin: 0; }
.footer-grid li { margin-bottom: 8px; }
.footer-grid a { color: #aebbcb; }
.footer-grid a:hover { color: var(--gold-light); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 20px;
  text-align: center;
  font-size: 0.8rem;
  color: #7e8fa5;
}

/* Responsive */
@media (max-width: 900px) {
  .grid { grid-template-columns: repeat(2, 1fr); }
  .hero .container, .split, .calc-wrap, .contact-grid, .footer-grid { flex-direction: column; }
  .contact-grid, .footer-grid { grid-template-columns: 1fr; }
  .steps { flex-direction: column; }
}

@media (max-width: 640px) {
  nav ul { display: none; }
  .grid { grid-template-columns: 1fr; }
  .grid.cols-3 { grid-template-columns: 1fr; }
  .hero h1 { font-size: 2rem; }
  .hero-stats { flex-wrap: wrap; }
  section { padding: 50px 18px; }
}