/* ============================================
   Family Capital — Master Stylesheet
   No frameworks. Our CSS. Clean and minimal.
   ============================================ */

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

:root {
    --navy: #001e42;
    --navy-light: #0a2d54;
    --navy-mid: #001836;
    --navy-dark: #00132e;
    --white: #ffffff;
    --off-white: #f3f4f6;
    --muted-blue: #94a3b8;
    --accent: #3b82f6;
    --accent-hover: #2563eb;
    --accent-light: #e6eef5;
    --text-dark: #1e293b;
    --text-grey: #64748b;
    --text-light: #94a3b8;
    --border-light: #e2e8f0;
    --font-heading: 'Playfair Display', Georgia, serif;
    --font-body: 'Open Sans', Arial, sans-serif;
    --max-width: 1200px;
    --nav-height: 110px;
}

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: var(--font-body);
    color: var(--text-dark);
    background: var(--white);
    line-height: 1.7;
    overflow-x: hidden;
}

img {
    max-width: 100%;
    height: auto;
    display: block;
}

a {
    color: inherit;
    text-decoration: none;
}

h1, h2, h3, h4 {
    font-family: var(--font-heading);
    font-weight: 400;
    line-height: 1.3;
}

h1 { font-size: clamp(2.5rem, 5vw, 4rem); }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.8rem); }
h3 { font-size: clamp(1.3rem, 2.5vw, 1.8rem); }

.container {
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 2rem;
}


/* --- Navigation --- */
.site-nav {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    height: 110px;
    z-index: 1000;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 0 3rem;
    transition: all 0.4s ease;
}

.site-nav.transparent {
    background: rgba(0, 15, 30, 0.3);
    backdrop-filter: blur(2px);
    height: 110px;
}

.site-nav.scrolled {
    background: var(--navy);
    box-shadow: 0 2px 20px rgba(0, 0, 0, 0.3);
    height: 65px;
}

.nav-logo img {
    height: 70px;
    width: auto;
    transition: height 0.4s ease;
}

.site-nav.scrolled .nav-logo img {
    height: 40px;
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 2.5rem;
    list-style: none;
}

.nav-links a {
    color: var(--white);
    font-family: var(--font-body);
    font-size: 0.85rem;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    position: relative;
    transition: opacity 0.3s, font-size 0.4s ease;
}

.site-nav.transparent .nav-links a {
    font-size: 0.9rem;
}

.nav-links a::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--accent);
    transition: width 0.3s ease;
}

.nav-links a:hover::after,
.nav-links a.active::after {
    width: 100%;
}

.nav-links a:hover {
    opacity: 0.9;
}

/* --- Nav Dropdown --- */
.nav-dropdown {
    position: relative;
}

.nav-dropdown-toggle {
    cursor: pointer;
}

.nav-dropdown-toggle::after {
    content: ' ▾';
    font-size: 0.7em;
}

.nav-dropdown-menu {
    display: none;
    position: absolute;
    top: 100%;
    left: 50%;
    transform: translateX(-50%);
    background: var(--navy);
    min-width: 180px;
    padding: 0.8rem 0;
    border-radius: 4px;
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.3);
    list-style: none;
    padding-top: 1.2rem;
}

.nav-dropdown::before {
    content: '';
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    height: 1.2rem;
}

.nav-dropdown:hover .nav-dropdown-menu {
    display: block;
}

.nav-dropdown-menu li {
    padding: 0;
}

.nav-dropdown-menu a {
    display: block;
    padding: 0.5rem 1.5rem;
    font-size: 0.8rem !important;
    white-space: nowrap;
}

.nav-dropdown-menu a::after {
    display: none !important;
}

.nav-dropdown-menu a:hover {
    background: rgba(255, 255, 255, 0.1);
}

.nav-cta {
    border: 1px solid rgba(255, 255, 255, 0.4);
    padding: 0.6rem 1.4rem;
    transition: background 0.3s, border-color 0.3s;
}

.nav-cta:hover {
    background: rgba(255, 255, 255, 0.1);
    border-color: var(--white);
}

/* Mobile nav toggle */
.nav-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 5px;
}

.nav-toggle span {
    display: block;
    width: 28px;
    height: 2px;
    background: var(--white);
    transition: transform 0.3s, opacity 0.3s;
}

.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 {
    position: relative;
    height: 100vh;
    min-height: 600px;
    display: flex;
    align-items: center;
    justify-content: center;
    text-align: center;
    color: var(--white);
    overflow: hidden;
    background: var(--navy);
}

.hero-media {
    position: absolute;
    inset: 0;
    z-index: 0;
}

.hero-media img,
.hero-media video {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        180deg,
        rgba(0, 23, 46, 0.0) 0%,
        rgba(0, 23, 46, 0.15) 40%,
        rgba(0, 23, 46, 0.45) 100%
    );
    z-index: 1;
}

.hero-content {
    position: relative;
    z-index: 2;
    max-width: 700px;
    padding: 0 2rem;
    text-shadow: 0 2px 20px rgba(0, 0, 0, 0.4);
}

.hero-content h1 {
    font-size: clamp(3rem, 6vw, 5rem);
    margin-bottom: 1rem;
    opacity: 0;
    transform: translateY(30px);
    animation: fadeUp 1s ease 0.3s forwards;
}

.hero-content .tagline {
    font-size: clamp(1.1rem, 2vw, 1.4rem);
    color: var(--white);
    font-weight: 300;
    letter-spacing: 0.05em;
    margin-bottom: 2.5rem;
    opacity: 0;
    transform: translateY(20px);
    animation: fadeUp 1s ease 0.6s forwards;
}

.hero-content .btn {
    opacity: 0;
    transform: translateY(20px);
    animation: fadeUp 1s ease 0.9s forwards;
}

.hero-btn-frost {
    background: rgba(255, 255, 255, 0.15) !important;
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border: 1.5px solid rgba(255, 255, 255, 0.6) !important;
    color: var(--white) !important;
    padding: 1rem 2.8rem !important;
    font-size: 0.9rem !important;
}

.hero-btn-frost:hover {
    background: rgba(255, 255, 255, 0.3) !important;
    border-color: rgba(255, 255, 255, 0.9) !important;
    transform: translateY(-2px);
}

.hero-app-links {
    position: absolute;
    bottom: 40px;
    left: 0;
    right: 0;
    display: flex;
    justify-content: center;
    gap: 0.8rem;
    opacity: 0;
    animation: fadeUp 1s ease 1.1s forwards;
    z-index: 2;
}

.hero-app-links a {
    display: block;
    transition: opacity 0.2s ease, transform 0.2s ease;
    z-index: 2;
}

.hero-app-links a:hover {
    opacity: 0.8;
    transform: translateY(-2px);
}

.hero-app-links img {
    height: 40px;
    width: auto;
}

/* Google Play badge has built-in padding so needs to be larger to match visually */
.hero-app-links a:last-child img {
    height: 58px;
    margin: -9px 0;
}


/* --- Buttons --- */
.btn {
    display: inline-block;
    padding: 0.9rem 2.2rem;
    font-family: var(--font-body);
    font-size: 0.85rem;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    border: 1px solid rgba(255, 255, 255, 0.5);
    color: var(--white);
    background: transparent;
    cursor: pointer;
    transition: all 0.3s ease;
}

.btn:hover {
    background: rgba(255, 255, 255, 0.1);
    border-color: var(--white);
    transform: translateY(-2px);
}

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

.btn-primary:hover {
    background: var(--accent-hover);
    border-color: var(--accent-hover);
}

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

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


/* --- Sections --- */
.section {
    padding: 6rem 0;
}

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

.section-light {
    background: var(--off-white);
}

.section-header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 4rem;
}

.section-header h2 {
    margin-bottom: 1rem;
}

.section-header .divider {
    width: 60px;
    height: 2px;
    background: var(--accent);
    margin: 1.5rem auto;
}

.section-header p {
    color: var(--text-grey);
    font-size: 1.05rem;
}

.section-dark .section-header p {
    color: var(--muted-blue);
}


/* --- Intro Block (navy band below hero) --- */
.intro-block {
    background: var(--navy);
    color: var(--white);
    padding: 5rem 0;
    text-align: center;
}

.intro-block .container {
    max-width: 800px;
}

.intro-block p {
    font-family: var(--font-heading);
    font-size: clamp(1.1rem, 2vw, 1.35rem);
    line-height: 1.8;
    color: var(--muted-blue);
    font-style: italic;
}

.intro-block .btn {
    margin-top: 2.5rem;
}


/* --- Cards Grid --- */
.cards-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 2.5rem;
}

.card {
    background: var(--white);
    border-radius: 4px;
    overflow: hidden;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.card:hover {
    transform: translateY(-6px);
    box-shadow: 0 12px 40px rgba(0, 0, 0, 0.12);
}

.card-image {
    height: 220px;
    overflow: hidden;
}

.card-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.6s ease;
}

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

.card-body {
    padding: 2rem;
}

.card-body h3 {
    margin-bottom: 1rem;
    color: var(--navy);
}

.card-body p {
    color: var(--text-grey);
    font-size: 0.95rem;
    line-height: 1.7;
}


/* --- Team / People --- */
.team-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 2.5rem;
}

.team-member {
    text-align: center;
    transition: transform 0.3s ease;
}

.team-member:hover {
    transform: translateY(-4px);
}

.team-member-photo {
    width: 200px;
    height: 200px;
    border-radius: 50%;
    overflow: hidden;
    margin: 0 auto 1.5rem;
    border: 3px solid var(--border-light);
}

.team-member-photo img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.team-member h3 {
    color: var(--navy);
    margin-bottom: 0.3rem;
    font-size: 1.3rem;
}

.team-member .role {
    color: var(--accent);
    font-size: 0.85rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: 1rem;
}

.team-member p {
    color: var(--text-grey);
    font-size: 0.9rem;
}


/* --- Branch / Office Cards --- */
.branch-card {
    display: flex;
    gap: 3rem;
    align-items: center;
    padding: 3rem;
    background: var(--white);
    border-radius: 4px;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
    margin-bottom: 2.5rem;
    transition: transform 0.3s ease;
}

.branch-card:hover {
    transform: translateY(-4px);
}

.branch-card-image {
    flex: 0 0 300px;
    height: 200px;
    border-radius: 4px;
    overflow: hidden;
}

.branch-card-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.branch-card-info h3 {
    color: var(--navy);
    margin-bottom: 1rem;
}

.branch-card-info .address,
.branch-card-info .phone,
.branch-card-info .email {
    color: var(--text-grey);
    font-size: 0.95rem;
    margin-bottom: 0.5rem;
}

.branch-card-info .btn {
    margin-top: 1.5rem;
}


/* --- Contact Section --- */
.contact-split {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: start;
}

.contact-info h3 {
    color: var(--navy);
    margin-bottom: 1.5rem;
}

.contact-info p {
    color: var(--text-grey);
    margin-bottom: 1rem;
    font-size: 0.95rem;
}

.contact-details {
    margin-top: 2rem;
}

.contact-details .detail {
    display: flex;
    gap: 1rem;
    margin-bottom: 1rem;
    align-items: flex-start;
}

.contact-details .detail-label {
    font-weight: 600;
    color: var(--navy);
    min-width: 80px;
}

.contact-image {
    border-radius: 4px;
    overflow: hidden;
    height: 400px;
}

.contact-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}


/* --- Timeline --- */
.timeline {
    position: relative;
    max-width: 800px;
    margin: 0 auto;
    padding: 2rem 0;
}

.timeline::before {
    content: '';
    position: absolute;
    left: 50%;
    top: 0;
    bottom: 0;
    width: 2px;
    background: var(--border-light);
    transform: translateX(-50%);
}

.timeline-item {
    position: relative;
    margin-bottom: 3rem;
    width: 50%;
    padding: 0 2.5rem;
}

.timeline-item:nth-child(odd) {
    left: 0;
    text-align: right;
}

.timeline-item:nth-child(even) {
    left: 50%;
}

.timeline-item::before {
    content: '';
    position: absolute;
    top: 0.5rem;
    width: 14px;
    height: 14px;
    background: var(--accent);
    border-radius: 50%;
    border: 3px solid var(--white);
    box-shadow: 0 0 0 2px var(--accent);
}

.timeline-item:nth-child(odd)::before {
    right: -7px;
}

.timeline-item:nth-child(even)::before {
    left: -7px;
}

.timeline-item .year {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    color: var(--accent);
    margin-bottom: 0.5rem;
}

.timeline-item h3 {
    color: var(--navy);
    font-size: 1.2rem;
    margin-bottom: 0.5rem;
}

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


/* --- Footer --- */
.site-footer {
    background: #1a1a1a;
    color: var(--muted-blue);
    padding: 4rem 0 2rem;
}

.footer-content {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr;
    gap: 3rem;
    margin-bottom: 3rem;
}

.footer-brand p {
    font-size: 0.9rem;
    line-height: 1.7;
    margin-top: 1.5rem;
}

.footer-links h4 {
    color: var(--white);
    font-size: 0.85rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: 1.2rem;
}

.footer-links ul {
    list-style: none;
}

.footer-links li {
    margin-bottom: 0.6rem;
}

.footer-links a {
    font-size: 0.9rem;
    transition: color 0.3s;
}

.footer-links a:hover {
    color: var(--white);
}

.footer-regulatory {
    grid-column: 1 / -1;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding-top: 2rem;
    text-align: center;
    font-size: 0.8rem;
    color: var(--text-light);
}

.footer-legal-links {
    display: flex;
    justify-content: center;
    gap: 2rem;
    margin-top: 1rem;
    flex-wrap: wrap;
}

.footer-legal-links a {
    font-size: 0.8rem;
    color: var(--muted-blue);
    transition: color 0.3s;
}

.footer-legal-links a:hover {
    color: var(--white);
}


/* --- Scroll Reveal Animation --- */
.reveal {
    opacity: 0;
    transform: translateY(40px);
    transition: opacity 0.8s ease, transform 0.8s ease;
}

.reveal.visible {
    opacity: 1;
    transform: translateY(0);
}

.reveal-left {
    opacity: 0;
    transform: translateX(-40px);
    transition: opacity 0.8s ease, transform 0.8s ease;
}

.reveal-left.visible {
    opacity: 1;
    transform: translateX(0);
}

.reveal-right {
    opacity: 0;
    transform: translateX(40px);
    transition: opacity 0.8s ease, transform 0.8s ease;
}

.reveal-right.visible {
    opacity: 1;
    transform: translateX(0);
}


/* --- Keyframes --- */
@keyframes fadeUp {
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes fadeIn {
    from { opacity: 0; }
    to { opacity: 1; }
}


/* --- Two Column Layout --- */
.two-col {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
}

.two-col-text h2 {
    margin-bottom: 1.5rem;
    color: var(--navy);
}

.two-col-text p {
    color: var(--text-grey);
    margin-bottom: 1rem;
    font-size: 1rem;
}

.two-col-image {
    border-radius: 4px;
    overflow: hidden;
    height: 450px;
}

.two-col-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}


/* --- Accordion (for Culture 5Ps) --- */
.accordion-item {
    border-bottom: 1px solid var(--border-light);
}

.accordion-trigger {
    width: 100%;
    padding: 1.5rem 0;
    background: none;
    border: none;
    text-align: left;
    cursor: pointer;
    font-family: var(--font-heading);
    font-size: 1.3rem;
    color: var(--navy);
    display: flex;
    justify-content: space-between;
    align-items: center;
    transition: color 0.3s;
}

.accordion-trigger:hover {
    color: var(--accent);
}

.accordion-trigger .icon {
    font-size: 1.5rem;
    transition: transform 0.3s ease;
}

.accordion-item.open .accordion-trigger .icon {
    transform: rotate(45deg);
}

.accordion-content {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease;
}

.accordion-content-inner {
    padding: 0 0 1.5rem;
    color: var(--text-grey);
    font-size: 0.95rem;
    line-height: 1.8;
}


/* --- Top Strip --- */
.top-strip {
    display: none;
}


/* --- Pull-up Tab + Body --- */
.pullup-wrapper {
    position: relative;
    z-index: 3;
    margin-top: 0;
    background: var(--navy);
}

.pullup-tab {
    background: var(--navy);
    max-width: 900px;
    margin: 0 auto;
    padding: 2rem 3.5rem;
    border-radius: 14px 14px 0 0;
    text-align: center;
}

.pullup-tab p {
    font-family: var(--font-heading);
    font-size: clamp(1.4rem, 2.5vw, 1.8rem);
    color: var(--white);
    line-height: 1.6;
}

.pullup-tab em {
    color: var(--accent);
    font-style: italic;
}

.pullup-body {
    background: var(--navy);
    padding: 3rem 0 4rem;
    text-align: center;
}

.pullup-body p {
    max-width: 800px;
    margin: 0 auto 1rem;
    font-family: var(--font-heading);
    font-size: clamp(1.2rem, 2vw, 1.5rem);
    font-style: italic;
    color: var(--muted-blue);
    line-height: 1.9;
}

.pullup-body p:last-child {
    margin-bottom: 0;
}


/* --- Solid Hero (no background image) --- */
.hero-solid {
    background: var(--navy);
    height: auto;
    min-height: auto;
    padding: calc(var(--nav-height) + 6rem) 0 6rem;
}

.hero-solid .hero-content {
    max-width: 800px;
    margin: 0 auto;
}

.hero-solid .tagline {
    color: var(--muted-blue);
    font-size: clamp(1rem, 1.8vw, 1.15rem);
    line-height: 1.8;
    margin-bottom: 2.5rem;
    opacity: 0;
    transform: translateY(20px);
    animation: fadeUp 1s ease 0.6s forwards;
}

.hero-actions {
    display: flex;
    gap: 1rem;
    justify-content: center;
    flex-wrap: wrap;
    opacity: 0;
    transform: translateY(20px);
    animation: fadeUp 1s ease 0.9s forwards;
}

.hero-actions .btn {
    opacity: 1;
    transform: none;
    animation: none;
}


/* --- Intro Text --- */
.intro-text {
    max-width: 800px;
    margin: 0 auto;
    text-align: center;
}

.intro-text p {
    font-size: 1.2rem;
    color: var(--text-grey);
    line-height: 1.9;
    margin-bottom: 1.5rem;
}

.intro-text p:last-child {
    margin-bottom: 0;
}


/* --- Cards Three Column --- */
.cards-three {
    grid-template-columns: repeat(3, 1fr);
}


/* --- Card Icons --- */
.card-icon {
    padding: 2rem 2rem 0;
    color: var(--accent);
}

.card-icon + .card-body {
    padding-top: 1.5rem;
}


/* --- Card Colour Band (replaces images) --- */
.card-colour-band {
    height: 4px;
    background: var(--accent);
}


/* --- Card Link --- */
.card-link {
    color: var(--accent);
    font-weight: 600;
    font-size: 0.85rem;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    transition: color 0.3s;
}

.card-link:hover {
    color: var(--navy);
}


/* --- Stats Strip --- */
.stats-strip {
    background: var(--navy);
    padding: 4rem 0;
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 2rem;
    text-align: center;
}

.stat {
    color: var(--white);
}

.stat-number {
    display: block;
    font-family: var(--font-heading);
    font-size: clamp(2rem, 4vw, 3rem);
    margin-bottom: 0.5rem;
}

.stat-label {
    display: block;
    font-size: 0.85rem;
    color: var(--muted-blue);
    text-transform: uppercase;
    letter-spacing: 0.05em;
}


/* --- Contact Centred --- */
.contact-centred {
    text-align: center;
    max-width: 600px;
    margin: 0 auto;
}

.contact-centred p {
    color: var(--text-grey);
    font-size: 1.05rem;
    line-height: 1.8;
    margin-bottom: 2rem;
}

.contact-details-row {
    display: flex;
    justify-content: center;
    gap: 3rem;
    flex-wrap: wrap;
}

.contact-details-row .detail {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.3rem;
}

.contact-details-row .detail-label {
    font-weight: 600;
    color: var(--navy);
    font-size: 0.85rem;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.contact-details-row .detail a {
    color: var(--accent);
    transition: color 0.3s;
}

.contact-details-row .detail a:hover {
    color: var(--navy);
}


/* --- Footer Group Link --- */
.footer-group-link {
    margin-top: 0.5rem;
    font-size: 0.8rem;
}

.footer-group-link a {
    color: var(--accent);
    transition: color 0.3s;
}

.footer-group-link a:hover {
    color: var(--white);
}


/* --- Page Header (for inner pages) --- */
.page-header {
    background: var(--navy);
    padding: calc(var(--nav-height) + 4rem) 0 4rem;
    color: var(--white);
    text-align: center;
}

.page-header h1 {
    margin-bottom: 1rem;
}

.page-header .subtitle {
    color: var(--muted-blue);
    font-size: 1.1rem;
}

/* --- Page Hero (large banner for inner pages) --- */
.page-hero {
    background: var(--navy);
    padding: calc(var(--nav-height) + 6rem) 0 6rem;
    color: var(--white);
    text-align: center;
    position: relative;
    overflow: hidden;
    min-height: 400px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.page-hero-content {
    position: relative;
    z-index: 2;
}

.page-hero h1 {
    font-size: clamp(2.5rem, 5vw, 4rem);
    text-shadow: 0 2px 20px rgba(0, 0, 0, 0.3);
}

.page-hero .subtitle {
    color: var(--muted-blue);
    font-size: 1.1rem;
    margin-top: 1rem;
}

.page-hero-digital {
    background: linear-gradient(135deg, #0f2439 0%, var(--navy) 50%, #152d48 100%);
}

.page-hero-digital canvas {
    position: absolute;
    inset: 0;
    z-index: 1;
}


/* --- Legal / Compliance Pages --- */
.legal-content {
    max-width: 800px;
    margin: 0 auto;
}

.legal-content h2 {
    color: var(--navy);
    margin: 2.5rem 0 1rem;
    font-size: 1.6rem;
}

.legal-content h2:first-child {
    margin-top: 0;
}

.legal-content h3 {
    color: var(--navy);
    margin: 2rem 0 0.8rem;
    font-size: 1.25rem;
}

.legal-content p {
    color: var(--text-grey);
    font-size: 0.95rem;
    margin-bottom: 1rem;
    line-height: 1.8;
}

.legal-content ul {
    color: var(--text-grey);
    font-size: 0.95rem;
    line-height: 1.8;
    margin: 0 0 1.5rem 1.5rem;
}

.legal-content ul li {
    margin-bottom: 0.4rem;
}

.legal-content a {
    color: var(--accent);
    text-decoration: underline;
    text-underline-offset: 2px;
}

.legal-content a:hover {
    color: var(--navy);
}

.legal-content .template-notice {
    background: var(--off-white);
    border-left: 3px solid var(--accent);
    padding: 1rem 1.5rem;
    margin-bottom: 2rem;
    font-size: 0.85rem;
    color: var(--text-grey);
    font-style: italic;
}

.legal-content .effective-date {
    color: var(--text-light);
    font-size: 0.85rem;
    margin-bottom: 2rem;
}


/* --- Responsive --- */
@media (max-width: 968px) {
    .top-strip {
        display: none;
    }

    .nav-links {
        display: none;
        position: fixed;
        top: 0;
        left: 0;
        right: 0;
        bottom: 0;
        background: var(--navy);
        flex-direction: column;
        align-items: center;
        justify-content: center;
        gap: 0;
        padding: 2rem;
        overflow-y: auto;
        list-style: none;
        z-index: 999;
    }

    .nav-links.open {
        display: flex !important;
        position: fixed !important;
        top: 0 !important;
        left: 0 !important;
        right: 0 !important;
        bottom: 0 !important;
        height: 100vh !important;
        width: 100vw !important;
    }

    .nav-links > li {
        width: 100%;
        text-align: center;
    }

    .nav-links > li > a {
        display: block;
        padding: 0.8rem 0;
        font-size: 1.1rem;
    }

    .nav-links > li > a::after {
        display: none;
    }

    /* Show dropdown items inline on mobile */
    .nav-dropdown-menu {
        position: static;
        display: block;
        transform: none;
        background: none;
        box-shadow: none;
        padding: 0 0 0.5rem;
        min-width: auto;
    }

    .nav-dropdown-toggle::after {
        display: none;
    }

    .nav-dropdown-menu li {
        padding: 0;
    }

    .nav-dropdown-menu a {
        font-size: 0.85rem !important;
        padding: 0.3rem 0;
        opacity: 0.6;
    }

    .nav-dropdown::before {
        display: none;
    }

    .nav-toggle {
        display: flex;
        z-index: 1000;
    }

    .two-col {
        grid-template-columns: 1fr;
        gap: 2rem;
    }

    .contact-split {
        grid-template-columns: 1fr;
    }

    .footer-content {
        grid-template-columns: 1fr;
        gap: 2rem;
        text-align: center;
    }

    .footer-brand {
        display: flex;
        flex-direction: column;
        align-items: center;
    }

    .footer-links {
        text-align: center;
    }

    .branch-card {
        flex-direction: column;
        gap: 1.5rem;
        padding: 2rem;
    }

    .branch-card-image {
        flex: none;
        width: 100%;
    }

    .timeline::before {
        left: 2rem;
    }

    .timeline-item {
        width: 100%;
        left: 0 !important;
        padding-left: 4rem;
        padding-right: 0;
        text-align: left !important;
    }

    .timeline-item::before {
        left: 1.35rem !important;
        right: auto !important;
    }

    .section {
        padding: 4rem 0;
    }

    .cards-three {
        grid-template-columns: 1fr 1fr;
    }

    .stats-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 2rem 1rem;
    }

    /* Force any inline grid to single column on mobile */
    [style*="grid-template-columns: 1fr 1fr"] {
        grid-template-columns: 1fr !important;
    }

    [style*="grid-template-columns: repeat(2"] {
        grid-template-columns: 1fr !important;
    }
}

@media (max-width: 600px) {
    .site-nav {
        padding: 0 1.5rem;
    }

    .hero-content h1 {
        font-size: 2.5rem;
    }

    .cards-grid {
        grid-template-columns: 1fr !important;
    }

    .cards-three {
        grid-template-columns: 1fr;
    }

    .team-grid {
        grid-template-columns: 1fr;
    }

    .stats-grid {
        grid-template-columns: 1fr 1fr;
    }

    .hero-solid {
        padding: calc(var(--nav-height) + 3rem) 0 4rem;
    }
}