/* Smart Fintech Consulting — Design B (Editorial) — shared stylesheet */

:root {
  --navy: #132743;
  --navy2: #0d1c30;
  --teal: #1da3cc;
  --green: #5fb49f;
  --ink: #182231;
  --slate: #5f6b7d;
  --line: #e6e9ef;
  --paper: #ffffff;
  --mist: #f5f7fa;
  --gradient: linear-gradient(135deg, var(--teal) 0%, var(--green) 100%);
  --shadow-md: 0 16px 40px -18px rgba(13, 28, 48, 0.35);
  --maxw: 1160px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: "Fraunces", Georgia, serif;
  font-weight: 600;
  text-wrap: balance;
}

img { max-width: 100%; display: block; }
a { color: inherit; }

.wrap {
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0 24px;
}

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: saturate(180%) blur(10px);
  border-bottom: 1px solid var(--line);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 15px 0;
}

.brand { display: flex; align-items: center; gap: 10px; }
.brand img { height: 34px; width: auto; }

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  margin: 5px 0;
}

.main-nav ul {
  list-style: none;
  display: flex;
  gap: 30px;
  margin: 0;
  padding: 0;
}

.main-nav a {
  text-decoration: none;
  color: var(--navy);
  font-weight: 500;
  font-size: 13.5px;
  letter-spacing: 0.02em;
  padding: 6px 2px;
  border-bottom: 1px solid transparent;
  transition: border-color 0.15s ease, color 0.15s ease;
}

.main-nav a:hover,
.main-nav a[aria-current="page"] {
  border-bottom-color: var(--teal);
}

.header-cta {
  display: inline-block;
  background: var(--navy);
  color: #fff !important;
  text-decoration: none;
  font-weight: 600;
  font-size: 13px;
  letter-spacing: 0.02em;
  padding: 10px 22px;
  border-radius: 2px;
  transition: background 0.15s ease;
  white-space: nowrap;
}
.header-cta:hover { background: var(--navy2); }

.nav-row { display: flex; align-items: center; gap: 30px; }

@media (max-width: 880px) {
  .nav-toggle { display: block; }
  .nav-row {
    position: fixed;
    top: 66px;
    left: 0;
    right: 0;
    background: #fff;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow-md);
    transform: translateY(-8px);
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.18s ease, transform 0.18s ease;
    padding: 8px 0 18px;
  }
  .nav-row.open { transform: translateY(0); opacity: 1; pointer-events: auto; }
  .main-nav ul { flex-direction: column; gap: 0; padding: 0 24px; }
  .main-nav a { display: block; padding: 14px 0; border-bottom: 1px solid var(--line); }
  .header-cta { margin: 16px 24px 0; text-align: center; }
}

/* ---------- Hero (home) ---------- */
.hero {
  position: relative;
  background: var(--navy2);
  color: #fff;
  overflow: hidden;
  padding: 100px 0 0;
}
.aurora {
  position: absolute;
  inset: 0;
  opacity: 0.55;
  background:
    radial-gradient(600px 380px at 15% 10%, rgba(29, 163, 204, 0.35), transparent 60%),
    radial-gradient(560px 420px at 85% 25%, rgba(95, 180, 159, 0.28), transparent 60%);
  filter: blur(10px);
}
.hero .wrap { position: relative; z-index: 1; }
.hero .eyebrow { color: #7fd4ea; }
.hero h1 {
  font-size: clamp(32px, 5vw, 56px);
  line-height: 1.1;
  margin: 0 0 26px;
  max-width: 800px;
  color: #fff;
  letter-spacing: -0.01em;
}
.hero p.lead {
  font-size: 18px;
  color: #c3d1e3;
  max-width: 580px;
  margin: 0 0 34px;
  font-family: "Inter", sans-serif;
}
.skyline { display: block; width: 100%; height: auto; }

/* ---------- Page hero (inner pages) ---------- */
.page-hero {
  position: relative;
  background: var(--navy2);
  color: #fff;
  overflow: hidden;
  padding: 74px 0 60px;
}
.page-hero .wrap { position: relative; z-index: 1; }
.page-hero .eyebrow { color: #7fd4ea; }
.page-hero h1 {
  color: #fff;
  font-size: clamp(28px, 4vw, 44px);
  margin: 0 0 14px;
  letter-spacing: -0.01em;
  max-width: 720px;
}
.page-hero p { color: #c3d1e3; font-size: 16.5px; max-width: 620px; margin: 0; font-family: "Inter", sans-serif; }

/* ---------- Section scaffolding ---------- */
section { padding: 78px 0; }
section.tight { padding: 48px 0; }
section.on-mist { background: var(--mist); }

.eyebrow {
  display: block;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 18px;
}

.section-head { max-width: 700px; margin: 0 0 40px; }
.section-head h2 {
  font-size: clamp(26px, 3vw, 34px);
  color: var(--navy);
  margin: 0 0 12px;
  letter-spacing: -0.01em;
}
.section-head p { color: var(--slate); font-size: 16.5px; margin: 0; font-family: "Inter", sans-serif; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }

/* ---------- Chips ---------- */
.chip-row { display: flex; flex-wrap: wrap; gap: 10px; }
.chip {
  background: var(--mist);
  border: 1px solid var(--line);
  color: var(--navy);
  font-size: 13.5px;
  font-weight: 500;
  padding: 9px 18px;
  border-radius: 2px;
  font-family: "Inter", sans-serif;
}

/* ---------- Buttons ---------- */
.btn-row { display: flex; gap: 14px; flex-wrap: wrap; }
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  text-decoration: none;
  font-weight: 600;
  font-size: 14.5px;
  letter-spacing: 0.02em;
  padding: 13px 26px;
  border-radius: 2px;
  font-family: "Inter", sans-serif;
  transition: background 0.15s ease, transform 0.15s ease, border-color 0.15s ease, color 0.15s ease;
}
.btn-primary { background: #fff; color: var(--navy2); }
.btn-primary:hover { transform: translateY(-1px); }
.on-light .btn-primary { background: var(--navy); color: #fff; }
.on-light .btn-primary:hover { background: var(--navy2); }
.btn-ghost { background: transparent; color: #fff; border: 1px solid rgba(255,255,255,0.35); }
.on-light .btn-ghost { color: var(--navy); border-color: var(--line); }
.btn-ghost:hover { border-color: var(--teal); }

/* ---------- Quote row (About) ---------- */
.quote-row { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: start; }
@media (max-width: 820px) { .quote-row { grid-template-columns: 1fr; } }
.lede {
  font-size: 22px;
  line-height: 1.5;
  color: var(--navy);
  font-family: "Fraunces", serif;
  font-weight: 500;
  margin: 0;
}
.body-copy { color: var(--slate); font-size: 15.5px; font-family: "Inter", sans-serif; }
.body-copy + .body-copy { margin-top: 14px; }

/* ---------- Stat strip ---------- */
.stat-strip {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  margin-top: 50px;
}
@media (max-width: 700px) { .stat-strip { grid-template-columns: repeat(2, 1fr); } }
.stat-strip > div { padding: 26px 22px; border-right: 1px solid var(--line); }
.stat-strip > div:last-child { border-right: none; }
.stat-strip .num { font-family: "Fraunces", serif; font-size: 32px; color: var(--navy); font-weight: 600; }
.stat-strip .label { font-size: 12.5px; color: var(--slate); margin-top: 6px; font-family: "Inter", sans-serif; }

/* ---------- Editorial cards (About "how it works") ---------- */
.grid { display: grid; gap: 24px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 880px) { .grid-3, .grid-2 { grid-template-columns: 1fr; } }

.card {
  background: #fff;
  border: 1px solid var(--line);
  padding: 28px 26px;
}
.card .icon {
  width: 42px;
  height: 42px;
  border-radius: 2px;
  background: var(--gradient);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
}
.card .icon svg { width: 20px; height: 20px; stroke: #fff; }
.card h3 { font-size: 17px; color: var(--navy); margin: 0 0 8px; font-weight: 600; }
.card p { color: var(--slate); font-size: 14.5px; margin: 0; font-family: "Inter", sans-serif; }

/* ---------- Service rows (editorial list) ---------- */
.service-row {
  display: grid;
  grid-template-columns: 1.1fr 1.6fr;
  gap: 24px;
  padding: 28px 0;
  border-bottom: 1px solid var(--line);
  align-items: start;
}
@media (max-width: 760px) { .service-row { grid-template-columns: 1fr; gap: 8px; } }
.service-row h4 { margin: 0; font-size: 19px; color: var(--navy); font-weight: 600; }
.service-row .body { display: grid; gap: 10px; }
.service-row p.desc { margin: 0; font-size: 14.5px; color: var(--slate); font-family: "Inter", sans-serif; }
.service-row ul { margin: 0; padding: 0; list-style: none; display: grid; gap: 8px; }
.service-row ul li {
  padding-left: 20px;
  position: relative;
  font-size: 14px;
  color: var(--ink);
  font-family: "Inter", sans-serif;
}
.service-row ul li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 8px;
  width: 7px;
  height: 7px;
  background: var(--gradient);
}

/* ---------- Magazine list (Insights) ---------- */
.mag-list { display: grid; gap: 0; }
.mag-item {
  display: grid;
  grid-template-columns: 140px 1fr;
  gap: 24px;
  padding: 28px 0;
  border-bottom: 1px solid var(--line);
}
@media (max-width: 700px) { .mag-item { grid-template-columns: 1fr; } }
.mag-thumb { height: 90px; background: var(--gradient); position: relative; overflow: hidden; }
.mag-thumb svg { position: absolute; opacity: 0.35; }
.mag-tag { font-size: 11px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--teal); }
.mag-item h4 { margin: 8px 0 8px; font-size: 18px; color: var(--navy); font-weight: 600; }
.mag-item p { margin: 0; font-size: 14.5px; color: var(--slate); font-family: "Inter", sans-serif; }
.mag-meta { font-size: 12.5px; color: #8993a3; margin-top: 8px; font-family: "Inter", sans-serif; }

.insights-note {
  background: var(--mist);
  border: 1px dashed var(--line);
  padding: 22px 26px;
  color: var(--slate);
  font-size: 14.5px;
  font-family: "Inter", sans-serif;
  margin-top: 8px;
}

/* ---------- CTA band ---------- */
.cta-band {
  background: var(--navy2);
  padding: 60px;
  text-align: center;
  color: #fff;
  position: relative;
  overflow: hidden;
}
.cta-band::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(120deg, rgba(29,163,204,0.25), rgba(95,180,159,0.18) 60%, transparent);
}
.cta-band > * { position: relative; z-index: 1; }
.cta-band h2 { font-size: clamp(24px, 3vw, 32px); margin: 0 0 14px; color: #fff; }
.cta-band p { color: #c3d1e3; max-width: 520px; margin: 0 auto 28px; font-size: 15.5px; font-family: "Inter", sans-serif; }
.cta-band .btn-primary { background: #fff; color: var(--navy2); }
.cta-band .btn-primary:hover { background: #eef2f7; }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 48px; align-items: start; }
@media (max-width: 880px) { .contact-grid { grid-template-columns: 1fr; } }

.info-row { padding: 20px 0; border-bottom: 1px solid var(--line); }
.info-row h3 {
  margin: 0 0 6px;
  font-size: 13px;
  color: var(--navy);
  font-family: "Inter", sans-serif;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.info-row p { margin: 0; color: var(--slate); font-size: 14.5px; font-family: "Inter", sans-serif; }

.form-card { background: var(--mist); border: 1px solid var(--line); padding: 36px; }

.field { margin-bottom: 20px; }
.field label {
  display: block;
  font-size: 12.5px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 8px;
  letter-spacing: 0.03em;
  text-transform: uppercase;
  font-family: "Inter", sans-serif;
}
.field input, .field select, .field textarea {
  width: 100%;
  border: none;
  border-bottom: 1.5px solid #c7d0dc;
  border-radius: 0;
  padding: 11px 2px;
  font-size: 15px;
  font-family: "Inter", sans-serif;
  color: var(--ink);
  background: transparent;
  transition: border-color 0.15s ease;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none;
  border-color: var(--teal);
}
.field textarea { min-height: 120px; resize: vertical; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
@media (max-width: 560px) { .field-row { grid-template-columns: 1fr; } }

.submit-btn {
  width: 100%;
  border: none;
  cursor: pointer;
  background: var(--navy2);
  color: #fff;
  font-weight: 600;
  font-size: 15px;
  letter-spacing: 0.03em;
  padding: 15px;
  border-radius: 2px;
  margin-top: 6px;
  font-family: "Inter", sans-serif;
  transition: background 0.15s ease;
}
.submit-btn:hover { background: var(--navy); }
.submit-btn:disabled { opacity: 0.6; cursor: not-allowed; }

.form-note { font-size: 12.5px; color: #8993a3; margin-top: 14px; text-align: center; font-family: "Inter", sans-serif; }

.form-status {
  display: none;
  padding: 13px 16px;
  font-size: 14.5px;
  margin-bottom: 18px;
  font-family: "Inter", sans-serif;
}
.form-status.success { display: block; background: #e9f7f1; color: #2b6a52; border: 1px solid #bfe7d6; }
.form-status.error { display: block; background: #fdecec; color: #a4302a; border: 1px solid #f5c6c3; }

.hp-field { position: absolute; left: -9999px; opacity: 0; height: 0; overflow: hidden; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy2); color: #9fb0c9; padding: 52px 0 26px; }
.footer-top {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 34px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
@media (max-width: 720px) { .footer-top { grid-template-columns: 1fr; gap: 28px; } }
.footer-brand img { height: 30px; filter: brightness(0) invert(1); margin-bottom: 14px; }
.footer-brand p { font-size: 13.5px; color: #8093ac; max-width: 300px; font-family: "Inter", sans-serif; }
.site-footer h4 {
  color: #fff;
  font-size: 12.5px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin: 0 0 16px;
  font-family: "Inter", sans-serif;
  font-weight: 700;
}
.site-footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.site-footer a { color: #9fb0c9; text-decoration: none; font-size: 14px; font-family: "Inter", sans-serif; }
.site-footer a:hover { color: #fff; }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  padding-top: 22px;
  font-size: 12.5px;
  color: #71829c;
  font-family: "Inter", sans-serif;
}

/* utility */
.mt-0 { margin-top: 0; }
.center { text-align: center; }