/* ==========================================================================
   Audacial Financial Services — theme tokens
   ========================================================================== */
:root {
  --black: #0c2e24;
  --black-2: #0a251d;
  --charcoal: #0f3a2d;
  --charcoal-2: #164a3a;
  --teal: #12695a;
  --teal-light: #1c9484;
  --mint-tint: #e7f3ef;
  --cream: #f8f5ef;
  --cream-2: #f1ece1;
  --white: #ffffff;
  --gold: #ffe14d;
  --gold-deep: #b8860a;
  --ink: #14251f;
  --muted: #62716c;
  --muted-light: #9fb8ae;
  --border: rgba(20, 37, 31, 0.1);
  --border-light: rgba(255, 255, 255, 0.14);
  --gradient-deep: linear-gradient(135deg, var(--black) 0%, var(--teal) 130%);
  --radius-sm: 8px;
  --radius: 16px;
  --radius-lg: 28px;
  --shadow: 0 24px 60px -24px rgba(10, 37, 29, 0.4);
  --shadow-sm: 0 10px 30px -14px rgba(10, 37, 29, 0.28);
  --container: 1180px;
  --font-head: 'Fraunces', Georgia, 'Times New Roman', serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

* { box-sizing: border-box; min-width: 0; }
html { scroll-behavior: smooth; }
html, body { overflow-x: hidden; max-width: 100%; }
body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; margin: 0; padding: 0; }
h1, h2, h3, h4 {
  font-family: var(--font-head);
  font-weight: 600;
  line-height: 1.15;
  margin: 0 0 .5em;
  letter-spacing: -0.01em;
}
p { margin: 0 0 1em; color: var(--muted); }
.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}
section { padding: 96px 0; }
@media (max-width: 768px) {
  section { padding: 64px 0; }
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-deep);
  margin-bottom: 16px;
}
.eyebrow::before {
  content: "";
  width: 22px;
  height: 2px;
  background: var(--gold-deep);
  display: inline-block;
}
.text-gold { color: var(--gold-deep); }
.on-dark .eyebrow { color: var(--gold); }
.on-dark .eyebrow::before { background: var(--gold); }

.section-head { max-width: 640px; margin: 0 auto 56px; text-align: center; }
.section-head h2 { font-size: clamp(28px, 3.4vw, 40px); }
.section-head p { font-size: 16.5px; }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 15px 30px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 15px;
  cursor: pointer;
  border: 1px solid transparent;
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease, color .18s ease, border-color .18s ease;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }
.btn-gold { background: var(--gold); color: var(--black); box-shadow: var(--shadow-sm); }
.btn-gold:hover { background: var(--gold-deep); }
.btn-dark { background: var(--black); color: var(--white); }
.btn-dark:hover { background: var(--charcoal-2); }
.btn-outline { background: transparent; color: var(--ink); border-color: var(--border); }
.btn-outline:hover { border-color: var(--ink); }
.btn-outline-light { background: transparent; color: var(--white); border-color: var(--border-light); }
.btn-outline-light:hover { border-color: var(--gold); color: var(--gold); }
.btn-block { width: 100%; }
.btn-sm { padding: 10px 20px; font-size: 13.5px; }

/* ==========================================================================
   Header
   ========================================================================== */
.topbar {
  background: var(--black);
  color: var(--muted-light);
  font-size: 13px;
}
.topbar-inner {
  display: flex;
  justify-content: flex-end;
  gap: 28px;
  padding: 8px 24px;
}
.topbar-item { display: inline-flex; align-items: center; gap: 6px; color: var(--muted-light); }
.topbar-item:hover { color: var(--gold); }
.topbar-item svg { width: 14px; height: 14px; flex: none; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid var(--border);
}
.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 14px 24px;
}
.brand { display: flex; align-items: center; gap: 12px; flex: none; }
.brand img {
  width: 48px;
  height: 48px;
  border-radius: 10px;
  box-shadow: var(--shadow-sm);
}
.brand-text { display: flex; flex-direction: column; line-height: 1.1; }
.brand-text strong { font-family: var(--font-head); font-size: 16.5px; letter-spacing: .01em; }
.brand-text span { font-size: 10.5px; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 34px;
  font-weight: 600;
  font-size: 14.5px;
}
.nav-links a { position: relative; padding: 6px 0; }
.nav-links a::after {
  content: "";
  position: absolute;
  left: 0; bottom: 0;
  width: 0; height: 2px;
  background: var(--gold-deep);
  transition: width .2s ease;
}
.nav-links a:hover::after { width: 100%; }

.nav-right { display: flex; align-items: center; gap: 16px; }
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}
.nav-toggle span { width: 24px; height: 2px; background: var(--ink); border-radius: 2px; }

@media (max-width: 900px) {
  .topbar-inner { justify-content: center; flex-wrap: wrap; gap: 16px 24px; }
  .nav-links {
    position: fixed;
    inset: 73px 0 0 0;
    background: var(--white);
    flex-direction: column;
    justify-content: flex-start;
    padding: 36px 24px;
    gap: 26px;
    font-size: 18px;
    transform: translateX(100%);
    transition: transform .28s ease;
    height: calc(100vh - 73px);
    overflow-y: auto;
  }
  .nav-links.open { transform: translateX(0); }
  .nav-toggle { display: flex; }
  .nav-cta { display: none; }
  .nav-links .nav-cta-mobile { display: inline-flex; }
}
.nav-cta-mobile { display: none; }

/* ==========================================================================
   Hero
   ========================================================================== */
.hero {
  padding: 76px 0 0;
  background: linear-gradient(180deg, var(--cream) 0%, var(--cream) 55%, var(--white) 100%);
  overflow: hidden;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 56px;
  align-items: center;
  padding-bottom: 64px;
}
.hero-kicker {
  font-family: var(--font-head);
  font-style: italic;
  font-size: 20px;
  color: var(--teal);
  margin: 0 0 8px;
}
.hero-copy h1 { font-size: clamp(34px, 5vw, 56px); color: var(--black); }
.hero-copy > p { font-size: 18px; max-width: 480px; }

.quote-strip { padding: 8px 0 48px; background: var(--cream); }
.quote-strip blockquote {
  max-width: 720px;
  margin: 0 auto;
  padding: 0;
  text-align: center;
  font-family: var(--font-head);
  font-style: italic;
  font-size: clamp(19px, 2.4vw, 26px);
  color: var(--black);
  line-height: 1.45;
}
.hero-actions { display: flex; gap: 16px; margin: 28px 0 30px; flex-wrap: wrap; }
.hero-trust {
  display: flex;
  flex-wrap: wrap;
  gap: 22px;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--ink);
}
.hero-trust li { display: flex; align-items: center; gap: 8px; }
.hero-trust li::before {
  content: "";
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--gold-deep);
}

.hero-media { position: relative; }
.hero-photo-frame {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  background: var(--black);
}
.hero-photo-frame img { width: 100%; height: 560px; object-fit: cover; object-position: top center; }
.hero-card {
  position: absolute;
  z-index: 2;
  left: -24px;
  bottom: 32px;
  background: var(--black);
  color: var(--white);
  padding: 20px 26px;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  min-width: 200px;
}
.hero-card strong { display: block; font-family: var(--font-head); font-size: 30px; color: var(--gold); }
.hero-card span { font-size: 12.5px; color: var(--muted-light); letter-spacing: .03em; }
.hero-tag {
  position: absolute;
  z-index: 2;
  top: 26px; right: -18px;
  background: var(--gold);
  color: var(--black);
  padding: 10px 18px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 12.5px;
  letter-spacing: .04em;
  box-shadow: var(--shadow-sm);
}

@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-media { order: -1; max-width: 420px; margin: 0 auto; }
  .hero-card { left: 16px; bottom: -24px; }
  .hero-tag { right: 12px; }
}

/* Stats bar */
.stats-bar { background: var(--gradient-deep); padding: 0; }
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  text-align: center;
}
.stat { padding: 40px 16px; border-left: 1px solid var(--border-light); }
.stat:first-child { border-left: none; }
.stat strong { display: block; font-family: var(--font-head); font-size: 30px; color: var(--gold); }
.stat span { font-size: 13px; color: var(--muted-light); letter-spacing: .02em; }
@media (max-width: 700px) {
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stat { border-left: none; border-top: 1px solid var(--border-light); }
  .stat:nth-child(1), .stat:nth-child(2) { border-top: none; }
}

/* ==========================================================================
   About
   ========================================================================== */
.help-do { background: var(--gradient-deep); color: var(--white); }
.help-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 22px; }
.help-card { text-align: center; padding: 8px; }
.help-icon {
  width: 56px; height: 56px; border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 16px; color: var(--gold);
}
.help-icon svg { width: 26px; height: 26px; }
.help-card h3 { color: var(--white); font-size: 17px; margin-bottom: 6px; }
.help-card p { color: var(--muted-light); font-size: 13.5px; margin: 0; }
@media (max-width: 1000px) { .help-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 600px) { .help-grid { grid-template-columns: repeat(2, 1fr); } }

.about { background: var(--white); }
.about-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 64px; align-items: center; }
.about-media { position: relative; width: 100%; height: 460px; }
.about-media .photo {
  position: absolute;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  width: 62%;
}
.about-media .photo img { height: 100%; object-fit: cover; }
.photo-back { top: 0; left: 0; height: 78%; }
.photo-front { bottom: 0; right: 0; height: 78%; border: 6px solid var(--white); }
.about-copy h2 { font-size: clamp(26px, 3.2vw, 38px); color: var(--black); }
.check-list { display: grid; gap: 14px; margin: 22px 0 30px; }
.check-list li { display: flex; gap: 12px; align-items: flex-start; font-weight: 600; font-size: 14.5px; color: var(--ink); }
.check-list li svg { flex: none; width: 20px; height: 20px; color: var(--gold-deep); margin-top: 1px; }

@media (max-width: 900px) {
  .about-grid { grid-template-columns: 1fr; }
  .about-media { height: 380px; max-width: 340px; margin: 0 auto 20px; }
}

/* ==========================================================================
   Services
   ========================================================================== */
.services { background: var(--cream); }
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
@media (max-width: 900px) { .services-grid { grid-template-columns: repeat(2, 1fr); } }
.service-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 34px 32px;
  box-shadow: var(--shadow-sm);
  transition: transform .2s ease, box-shadow .2s ease;
}
.service-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.service-icon {
  width: 52px; height: 52px;
  border-radius: 14px;
  background: var(--mint-tint);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
  color: var(--teal);
}
.service-icon svg { width: 26px; height: 26px; }
.service-card h3 { font-size: 19px; color: var(--black); }
.service-list { display: grid; gap: 8px; margin-top: 14px; font-size: 14px; color: var(--muted); }
.service-list li { display: flex; gap: 8px; }
.service-list li::before { content: "—"; color: var(--gold-deep); flex: none; }

@media (max-width: 700px) { .services-grid { grid-template-columns: 1fr; } }

.explore-banner {
  margin-top: 40px;
  background: var(--gradient-deep);
  border-radius: var(--radius-lg);
  padding: 44px 48px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}
.explore-banner .eyebrow { color: var(--gold); }
.explore-banner .eyebrow::before { background: var(--gold); }
.explore-banner h3 { color: var(--white); font-size: 24px; margin-bottom: 4px; }
.explore-banner p { color: var(--muted-light); margin: 0; }

/* ==========================================================================
   Values (replaces testimonials)
   ========================================================================== */
.values { background: var(--white); }
.values-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
@media (max-width: 1000px) { .values-grid { grid-template-columns: repeat(2, 1fr); } }
.value-card {
  padding: 34px 30px;
  border-radius: var(--radius);
  background: var(--cream);
  border: 1px solid var(--border);
}
.value-card h3 { font-size: 18.5px; color: var(--black); }
.value-card .service-icon { background: var(--white); }
@media (max-width: 800px) { .values-grid { grid-template-columns: 1fr; } }

/* ==========================================================================
   Advisors
   ========================================================================== */
.advisors { background: var(--cream); }
.advisor-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; }
.advisor-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
}
.advisor-photo { height: 320px; }
.advisor-photo img { width: 100%; height: 100%; object-fit: cover; object-position: top center; }
.advisor-body { padding: 30px 32px 34px; }
.advisor-body h3 { font-size: 21px; color: var(--black); margin-bottom: 2px; }
.advisor-role { display: block; font-size: 13px; font-weight: 700; letter-spacing: .05em; text-transform: uppercase; color: var(--gold-deep); margin-bottom: 14px; }
.advisor-body p { font-size: 14.5px; }
@media (max-width: 800px) { .advisor-grid { grid-template-columns: 1fr; } }

/* ==========================================================================
   Careers
   ========================================================================== */
.careers { background: var(--white); }
.careers-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: flex-start; }
.careers-copy h2 { font-size: clamp(26px, 3.2vw, 36px); color: var(--black); }
.careers-form {
  background: var(--cream);
  border-radius: var(--radius-lg);
  padding: 34px;
  box-shadow: var(--shadow-sm);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px; }
.form-field { display: flex; flex-direction: column; gap: 6px; }
.form-field label { font-size: 12.5px; font-weight: 700; color: var(--ink); letter-spacing: .03em; }
.form-field input, .form-field select, .form-field textarea {
  border: 1px solid var(--border);
  background: var(--white);
  border-radius: 10px;
  padding: 12px 14px;
  font-family: var(--font-body);
  font-size: 14.5px;
  color: var(--ink);
}
.form-field input:focus, .form-field select:focus, .form-field textarea:focus {
  outline: none;
  border-color: var(--gold-deep);
  box-shadow: 0 0 0 3px rgba(217, 180, 0, .18);
}
.form-full { grid-column: 1 / -1; }
@media (max-width: 900px) {
  .careers-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
}

/* ==========================================================================
   Education
   ========================================================================== */
.education { background: var(--cream); }
.education-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.article-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 30px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.article-tag { font-size: 12px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--gold-deep); }
.article-card h3 { font-size: 18px; color: var(--black); }
.article-card p { font-size: 14.5px; flex: 1; }
@media (max-width: 800px) { .education-grid { grid-template-columns: 1fr; } }

/* ==========================================================================
   Final CTA
   ========================================================================== */
.final-cta { background: var(--gradient-deep); color: var(--white); text-align: center; }
.final-cta h2 { color: var(--white); font-size: clamp(28px, 4vw, 42px); max-width: 640px; margin: 0 auto 16px; }
.final-cta p { color: var(--muted-light); max-width: 520px; margin: 0 auto 34px; }
.final-cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer { background: var(--charcoal); color: var(--muted-light); padding: 72px 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.1fr; gap: 40px; padding-bottom: 48px; border-bottom: 1px solid var(--border-light); }
.footer-brand { display: flex; gap: 14px; margin-bottom: 16px; }
.footer-brand img { width: 52px; height: 52px; border-radius: 12px; }
.footer-brand strong { color: var(--white); font-family: var(--font-head); font-size: 17px; display: block; }
.footer-brand span { font-size: 11px; letter-spacing: .1em; text-transform: uppercase; }
.footer-col h4 { color: var(--white); font-size: 14px; letter-spacing: .04em; text-transform: uppercase; margin-bottom: 18px; }
.footer-col ul { display: grid; gap: 12px; font-size: 14.5px; }
.footer-col a:hover { color: var(--gold); }
.footer-bottom {
  display: flex; justify-content: space-between; align-items: center;
  padding: 24px 0; font-size: 13px; flex-wrap: wrap; gap: 10px;
}
@media (max-width: 900px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 560px) {
  .footer-grid { grid-template-columns: 1fr; }
}

/* ==========================================================================
   Consultation page
   ========================================================================== */
.consult-hero {
  background: var(--black);
  color: var(--white);
  padding: 64px 0 40px;
  text-align: center;
}
.consult-hero h1 { color: var(--white); font-size: clamp(28px, 4vw, 40px); }
.consult-hero p { color: var(--muted-light); max-width: 520px; margin: 0 auto; }
.consult-wrap { padding: 48px 0 96px; }
.consult-frame {
  max-width: 900px;
  margin: 0 auto;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  min-height: 700px;
}
.consult-fallback { text-align: center; margin-top: 20px; font-size: 14px; color: var(--muted); }

/* ==========================================================================
   Products page
   ========================================================================== */
.back-link {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 14px; font-weight: 600; color: var(--muted);
  margin-bottom: 22px;
}
.back-link svg { width: 16px; height: 16px; }
.back-link:hover { color: var(--ink); }

.products-hero {
  padding: 64px 0 44px;
  text-align: center;
  background: linear-gradient(180deg, var(--cream) 0%, var(--white) 100%);
}
.products-hero .eyebrow { justify-content: center; }
.products-hero h1 { font-size: clamp(30px, 4.2vw, 46px); color: var(--black); max-width: 720px; margin: 0 auto 14px; }
.products-hero > .container > p { max-width: 560px; margin: 0 auto; font-size: 16.5px; }

.products-filter { padding: 8px 0 0; background: var(--white); }
.filter-pills { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; padding-bottom: 44px; }
.filter-pill {
  padding: 11px 24px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 14px;
  background: var(--cream-2);
  color: var(--ink);
  border: 1px solid transparent;
  cursor: pointer;
  font-family: var(--font-body);
  transition: background .18s ease, color .18s ease;
}
.filter-pill:hover { background: var(--border); }
.filter-pill.active { background: var(--black); color: var(--white); }

.products-list { padding-top: 0; }
.product-group + .product-group { margin-top: 56px; }
.group-head { display: flex; align-items: center; gap: 14px; margin: 0 0 26px; }
.group-icon {
  width: 44px; height: 44px; border-radius: 12px;
  background: var(--cream-2); color: var(--gold-deep);
  display: flex; align-items: center; justify-content: center; flex: none;
}
.group-icon svg { width: 22px; height: 22px; }
.group-head h2 { font-size: 20px; margin: 0; color: var(--black); }
.group-head span { font-size: 13px; color: var(--muted); }

.product-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; margin-bottom: 8px; }
@media (max-width: 900px) { .product-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .product-grid { grid-template-columns: 1fr; } }

.product-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 30px 28px 0;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
}
.product-card-top { display: flex; align-items: flex-start; justify-content: space-between; gap: 12px; margin-bottom: 18px; }
.product-icon { width: 48px; height: 48px; border-radius: 12px; display: flex; align-items: center; justify-content: center; flex: none; }
.product-icon svg { width: 24px; height: 24px; }
.product-tag { font-size: 11px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; padding-top: 4px; text-align: right; }
.product-card h3 { font-size: 19px; color: var(--black); margin-bottom: 2px; }
.product-subtitle { display: block; font-size: 13px; font-weight: 600; color: var(--gold-deep); margin-bottom: 12px; }
.product-card > p { font-size: 14px; color: var(--muted); margin-bottom: 0; }

.product-more { border-top: 1px solid var(--border); margin-top: 18px; }
.product-more summary {
  cursor: pointer;
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 0;
  font-weight: 700;
  font-size: 14px;
  color: var(--ink);
}
.product-more summary::-webkit-details-marker { display: none; }
.product-more summary::after {
  content: "";
  width: 8px; height: 8px;
  border-right: 2px solid currentColor;
  border-bottom: 2px solid currentColor;
  transform: rotate(45deg);
  transition: transform .2s ease;
  flex: none;
}
.product-more[open] summary::after { transform: rotate(-135deg); }
.product-more-body { padding: 0 0 22px; font-size: 13.5px; color: var(--muted); }

.product-icon { background: var(--mint-tint); color: var(--teal); }
.product-tag { color: var(--gold-deep); }