/* ===== FONTS ===== */
@import url('https://fonts.googleapis.com/css2?family=DM+Serif+Display:ital@0;1&family=DM+Sans:ital,opsz,wght@0,9..40,300;0,9..40,400;0,9..40,500;0,9..40,600;1,9..40,400&display=swap');

/* ===== CSS VARIABLES ===== */
:root {
  --navy: #0A1628;
  --navy-mid: #0F2044;
  --navy-light: #1A3356;
  --gold: #C9A84C;
  --gold-light: #E8D09A;
  --gold-dim: rgba(201, 168, 76, 0.15);
  --cream: #F8F6F0;
  --cream-dark: #EEE9DE;
  --ink: #1A1A2E;
  --ink-mid: #2D2D44;
  --ink-light: #6B6B8A;
  --white: #FFFFFF;
  --error: #D94F4F;
}

/* ===== BASE ===== */
* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'DM Sans', sans-serif; font-size: 16px; line-height: 1.6; color: var(--ink); background: var(--cream); -webkit-font-smoothing: antialiased; }
h1, h2, h3 { font-family: 'DM Serif Display', serif; line-height: 1.15; }

/* ===== NAV ===== */
.nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  display: flex; align-items: center; justify-content: space-between;
  padding: 20px 48px;
  background: rgba(10, 22, 40, 0.92);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(201, 168, 76, 0.12);
}
.nav-brand { display: flex; align-items: center; gap: 10px; }
.nav-logo { display: flex; align-items: center; }
.nav-name { font-family: 'DM Serif Display', serif; font-size: 20px; color: var(--gold); letter-spacing: -0.02em; }
.nav-tagline { font-size: 13px; color: rgba(255,255,255,0.45); font-weight: 400; letter-spacing: 0.04em; text-transform: uppercase; }

/* ===== HERO ===== */
.hero {
  position: relative; min-height: 100vh;
  background: var(--navy);
  display: flex; align-items: center;
  padding: 120px 48px 80px;
  overflow: hidden;
}
.hero-bg {
  position: absolute; inset: 0; pointer-events: none;
}
.hero-grid {
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(201,168,76,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,168,76,0.04) 1px, transparent 1px);
  background-size: 60px 60px;
  mask-image: radial-gradient(ellipse 80% 80% at 50% 50%, black 20%, transparent 80%);
}
.hero-glow {
  position: absolute; top: 20%; left: 50%; transform: translate(-50%, -50%);
  width: 800px; height: 500px;
  background: radial-gradient(ellipse, rgba(201,168,76,0.08) 0%, transparent 70%);
}
.hero-inner {
  position: relative; z-index: 2;
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 80px; align-items: center;
  max-width: 1200px; margin: 0 auto; width: 100%;
}
.hero-left { max-width: 560px; }
.hero-eyebrow {
  display: inline-block;
  font-size: 12px; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--gold); margin-bottom: 20px;
  padding: 6px 14px;
  border: 1px solid rgba(201,168,76,0.3);
  border-radius: 100px;
}
.hero-headline {
  font-size: clamp(40px, 5vw, 64px);
  color: var(--white); margin-bottom: 24px;
  letter-spacing: -0.02em;
}
.hero-sub {
  font-size: 18px; color: rgba(255,255,255,0.6); margin-bottom: 32px; line-height: 1.7; max-width: 480px;
}
.hero-pill-row { display: flex; align-items: center; gap: 8px; flex-wrap: wrap; }
.hero-pill {
  font-size: 13px; font-weight: 500; color: var(--navy); background: var(--gold);
  padding: 6px 14px; border-radius: 100px;
}
.hero-pill-sep { color: rgba(255,255,255,0.3); font-size: 18px; }

/* ===== VAULT ILLUSTRATION (CSS-only) ===== */
.hero-right { display: flex; justify-content: center; align-items: center; }
.vault-illustration {
  position: relative; width: 320px; height: 320px;
}
.vault-door {
  position: absolute; inset: 40px;
  background: linear-gradient(145deg, #1a3356 0%, #0F2044 100%);
  border: 2px solid rgba(201,168,76,0.3);
  border-radius: 16px;
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  gap: 16px;
}
.vault-lock {
  position: relative; width: 80px; height: 80px;
}
.vault-lock-ring {
  position: absolute; inset: 0;
  border: 3px solid var(--gold);
  border-radius: 50%;
  box-shadow: 0 0 20px rgba(201,168,76,0.3), inset 0 0 15px rgba(201,168,76,0.1);
}
.vault-lock-spokes {
  position: absolute; inset: 10px;
  animation: spin 20s linear infinite;
}
.spoke {
  position: absolute; width: 2px; height: 28px;
  background: rgba(201,168,76,0.5);
  top: 50%; left: 50%; transform-origin: center top;
  border-radius: 1px;
}
.spoke:nth-child(1) { transform: translate(-50%,0) rotate(0deg); }
.spoke:nth-child(2) { transform: translate(-50%,0) rotate(72deg); }
.spoke:nth-child(3) { transform: translate(-50%,0) rotate(144deg); }
.spoke:nth-child(4) { transform: translate(-50%,0) rotate(216deg); }
.spoke:nth-child(5) { transform: translate(-50%,0) rotate(288deg); }
@keyframes spin { from { transform: rotate(0deg); } to { transform: rotate(360deg); } }

.vault-glow-inner {
  display: flex; align-items: flex-end; gap: 8px;
  padding: 8px 16px;
}
.gold-stack { display: flex; flex-direction: column; gap: 3px; }
.gold-stack-2 { transform: translateY(-4px); }
.gold-bar {
  width: 40px; height: 12px;
  background: linear-gradient(180deg, var(--gold-light) 0%, var(--gold) 50%, #A8893A 100%);
  border-radius: 2px;
  box-shadow: 0 2px 8px rgba(201,168,76,0.4);
}
.vault-frame {
  position: absolute; inset: 0;
  pointer-events: none;
}
.vault-frame-left, .vault-frame-right, .vault-frame-top {
  position: absolute;
  background: rgba(201,168,76,0.15);
}
.vault-frame-left { width: 40px; top: 0; bottom: 0; left: 0; }
.vault-frame-right { width: 40px; top: 0; bottom: 0; right: 0; }
.vault-frame-top { height: 40px; top: 0; left: 0; right: 0; }

/* ===== STATS ===== */
.stats { background: var(--navy-mid); padding: 0; }
.stats-inner {
  display: flex; align-items: stretch;
  max-width: 1200px; margin: 0 auto;
  border: 1px solid rgba(201,168,76,0.15);
  border-radius: 16px;
  overflow: hidden;
  transform: translateY(-40px);
}
.stat-item { flex: 1; padding: 36px 40px; text-align: center; }
.stat-divider { width: 1px; background: rgba(201,168,76,0.12); }
.stat-number { font-family: 'DM Serif Display', serif; font-size: 40px; color: var(--gold); margin-bottom: 8px; }
.stat-label { font-size: 13px; color: rgba(255,255,255,0.5); line-height: 1.4; max-width: 120px; margin: 0 auto; }

/* ===== SERVICES ===== */
.services { padding: 80px 48px; background: var(--cream); }
.services-inner { max-width: 1200px; margin: 0 auto; }
.section-header { text-align: center; margin-bottom: 64px; }
.section-eyebrow { font-size: 12px; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gold); margin-bottom: 16px; }
.section-headline { font-size: clamp(32px, 4vw, 48px); color: var(--ink); max-width: 600px; margin: 0 auto; }
.services-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 2px; }
.service-card {
  background: var(--white); padding: 40px 36px;
  border: 1px solid rgba(15,32,68,0.06);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.service-card:hover { transform: translateY(-4px); box-shadow: 0 12px 40px rgba(15,32,68,0.08); }
.service-card--primary { background: var(--navy); }
.service-card--primary .service-title { color: var(--white); }
.service-card--primary .service-desc { color: rgba(255,255,255,0.65); }
.service-card--primary .service-list li { color: rgba(255,255,255,0.5); }
.service-icon { margin-bottom: 24px; }
.service-title { font-size: 20px; color: var(--ink); margin-bottom: 12px; font-family: 'DM Serif Display', serif; }
.service-desc { font-size: 14px; color: var(--ink-mid); line-height: 1.6; margin-bottom: 20px; }
.service-list { list-style: none; }
.service-list li { font-size: 13px; color: var(--ink-light); padding: 5px 0; border-bottom: 1px solid rgba(15,32,68,0.06); }
.service-list li:last-child { border-bottom: none; }

/* ===== WHY ===== */
.why { padding: 80px 48px; background: var(--cream-dark); }
.why-inner { max-width: 1200px; margin: 0 auto; display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: start; }
.why-headline { font-size: clamp(28px, 3.5vw, 40px); color: var(--ink); margin-bottom: 24px; }
.why-body { font-size: 16px; color: var(--ink-mid); margin-bottom: 20px; line-height: 1.7; }
.why-quote { margin-top: 32px; padding-left: 20px; border-left: 3px solid var(--gold); }
.why-quote blockquote { font-family: 'DM Serif Display', serif; font-size: 18px; font-style: italic; color: var(--ink); line-height: 1.5; }

/* ===== COMPARISON TABLE ===== */
.comparison { background: var(--white); border-radius: 16px; overflow: hidden; box-shadow: 0 4px 24px rgba(15,32,68,0.06); }
.comparison-header {
  display: grid; grid-template-columns: 180px 1fr 1fr;
  background: var(--navy); padding: 16px 24px;
  font-size: 12px; font-weight: 600; letter-spacing: 0.05em; text-transform: uppercase;
  color: rgba(255,255,255,0.5);
}
.comparison-row {
  display: grid; grid-template-columns: 180px 1fr 1fr;
  padding: 14px 24px;
  border-bottom: 1px solid rgba(15,32,68,0.06);
  font-size: 14px;
}
.comparison-row:last-child { border-bottom: none; }
.comparison-row--total { background: var(--gold-dim); font-weight: 600; }
.comparison-col { color: var(--ink-mid); }
.comparison-col--label { color: var(--ink); font-weight: 500; }
.comparison-col--sv { color: var(--navy-mid); font-weight: 600; }

/* ===== MANIFESTO ===== */
.manifesto { padding: 100px 48px; background: var(--navy); }
.manifesto-inner { max-width: 1200px; margin: 0 auto; text-align: center; }
.manifesto-rule { display: flex; justify-content: center; margin-bottom: 48px; }
.manifesto-line { width: 80px; height: 1px; background: var(--gold); }
.manifesto-headline { font-size: clamp(32px, 4.5vw, 56px); color: var(--white); margin-bottom: 24px; letter-spacing: -0.02em; }
.manifesto-body { font-size: 18px; color: rgba(255,255,255,0.55); max-width: 640px; margin: 0 auto 64px; line-height: 1.7; }
.manifesto-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: rgba(201,168,76,0.1); border: 1px solid rgba(201,168,76,0.1); border-radius: 12px; overflow: hidden; }
.manifesto-item { background: rgba(15,32,68,0.5); padding: 36px 32px; text-align: center; }
.manifesto-stat { font-family: 'DM Serif Display', serif; font-size: 48px; color: var(--gold); margin-bottom: 12px; }
.manifesto-desc { font-size: 14px; color: rgba(255,255,255,0.5); line-height: 1.4; }

/* ===== CLOSING ===== */
.closing { padding: 100px 48px; background: linear-gradient(180deg, var(--cream) 0%, var(--cream-dark) 100%); text-align: center; }
.closing-inner { max-width: 800px; margin: 0 auto; }
.closing-badge { display: inline-block; font-size: 12px; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gold); border: 1px solid rgba(201,168,76,0.3); padding: 6px 16px; border-radius: 100px; margin-bottom: 32px; }
.closing-headline { font-size: clamp(36px, 5vw, 64px); color: var(--ink); margin-bottom: 24px; }
.closing-body { font-size: 18px; color: var(--ink-mid); line-height: 1.7; margin-bottom: 40px; max-width: 600px; margin-left: auto; margin-right: auto; }
.closing-vision { max-width: 640px; margin: 0 auto; padding-top: 48px; border-top: 1px solid rgba(15,32,68,0.08); }
.closing-vision p { font-family: 'DM Serif Display', serif; font-size: 22px; font-style: italic; color: var(--ink); line-height: 1.6; }

/* ===== FOOTER ===== */
.footer { background: var(--navy); padding: 64px 48px 40px; }
.footer-inner { max-width: 1200px; margin: 0 auto; display: grid; grid-template-columns: 1fr 1fr; gap: 64px; padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,0.08); margin-bottom: 32px; }
.footer-brand { }
.footer-logo { display: flex; align-items: center; gap: 10px; margin-bottom: 16px; }
.footer-logo span { font-family: 'DM Serif Display', serif; font-size: 18px; color: var(--gold); }
.footer-tagline { font-size: 14px; color: rgba(255,255,255,0.4); line-height: 1.6; max-width: 300px; }
.footer-links { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; }
.footer-col-title { font-size: 12px; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: rgba(255,255,255,0.3); margin-bottom: 16px; }
.footer-link { font-size: 14px; color: rgba(255,255,255,0.5); margin-bottom: 10px; cursor: pointer; transition: color 0.2s; }
.footer-link:hover { color: var(--gold); }
.footer-bottom { max-width: 1200px; margin: 0 auto; }
.footer-bottom p { font-size: 12px; color: rgba(255,255,255,0.25); line-height: 1.6; }
.footer-bottom p:last-child { margin-top: 8px; }

/* ===== HERO CTA ===== */
.hero-cta { display: inline-block; margin-top: 28px; background: var(--gold); color: var(--navy); font-weight: 700; font-size: 15px; padding: 14px 28px; border-radius: 8px; text-decoration: none; transition: all 0.2s; }
.hero-cta:hover { background: var(--gold-light); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(201,168,76,0.35); }

/* ===== RESPONSIVE ===== */
@media (max-width: 768px) {
  .nav { padding: 16px 24px; }
  .nav-tagline { display: none; }
  .hero { padding: 100px 24px 60px; }
  .hero-inner { grid-template-columns: 1fr; gap: 48px; }
  .hero-right { display: none; }
  .hero-headline { font-size: 36px; }
  .stats-inner { flex-direction: column; transform: translateY(0); margin: 0 24px; }
  .stat-divider { width: 100%; height: 1px; }
  .services { padding: 60px 24px; }
  .services-grid { grid-template-columns: 1fr; }
  .why-inner { grid-template-columns: 1fr; gap: 48px; }
  .comparison-header, .comparison-row { grid-template-columns: 140px 1fr 1fr; }
  .manifesto { padding: 60px 24px; }
  .manifesto-grid { grid-template-columns: 1fr 1fr; }
  .closing { padding: 60px 24px; }
  .closing-headline { font-size: 32px; }
  .footer { padding: 48px 24px 32px; }
  .footer-inner { grid-template-columns: 1fr; gap: 40px; }
}
@media (max-width: 480px) {
  .manifesto-grid { grid-template-columns: 1fr; }
  .comparison-header, .comparison-row { grid-template-columns: 110px 1fr 1fr; font-size: 12px; }
}

/* ===== PROPERTY FINANCE ===== */
.pf {
  padding: 100px 48px;
  background: var(--navy);
  display: grid;
  grid-template-columns: 1fr 480px;
  gap: 80px;
  align-items: center;
  max-width: 1200px;
  margin: 0 auto;
  width: 100%;
}
.pf-badge {
  display: inline-block;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  border: 1px solid rgba(201,168,76,0.3);
  padding: 5px 14px;
  border-radius: 100px;
  margin-bottom: 24px;
}
.pf-headline {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(36px, 4vw, 54px);
  color: var(--white);
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin-bottom: 20px;
}
.pf-sub {
  font-size: 16px;
  color: rgba(255,255,255,0.55);
  line-height: 1.7;
  max-width: 480px;
  margin-bottom: 48px;
}
.pf-loans { display: flex; flex-direction: column; gap: 0; margin-bottom: 40px; }
.pf-loan-item {
  display: flex;
  align-items: flex-start;
  gap: 20px;
  padding: 24px 0;
  border-bottom: 1px solid rgba(201,168,76,0.12);
}
.pf-loan-item:first-child { padding-top: 0; }
.pf-loan-icon { flex-shrink: 0; margin-top: 2px; }
.pf-loan-body { flex: 1; }
.pf-loan-name {
  font-family: 'DM Serif Display', serif;
  font-size: 18px;
  color: var(--white);
  margin-bottom: 6px;
}
.pf-loan-desc {
  font-size: 14px;
  color: rgba(255,255,255,0.45);
  line-height: 1.6;
}
.pf-cta-row { display: flex; align-items: center; gap: 20px; flex-wrap: wrap; margin-bottom: 24px; }
.pf-cta-primary {
  display: inline-block;
  background: var(--gold);
  color: var(--navy);
  font-weight: 700;
  font-size: 15px;
  padding: 13px 26px;
  border: none;
  border-radius: 8px;
  cursor: pointer;
  font-family: 'DM Sans', sans-serif;
  transition: all 0.2s;
}
.pf-cta-primary:hover { background: var(--gold-light); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(201,168,76,0.35); }
.pf-cta {
  display: inline-block;
  background: var(--gold);
  color: var(--navy);
  font-weight: 700;
  font-size: 15px;
  padding: 13px 26px;
  border-radius: 8px;
  text-decoration: none;
  transition: all 0.2s;
}
.pf-cta:hover { background: var(--gold-light); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(201,168,76,0.35); }
.pf-cta-secondary {
  display: inline-block;
  font-size: 14px;
  font-weight: 500;
  color: rgba(255,255,255,0.5);
  text-decoration: none;
  transition: color 0.2s;
  border-bottom: 1px solid rgba(255,255,255,0.15);
  padding-bottom: 2px;
}
.pf-cta-secondary:hover { color: var(--gold); border-color: var(--gold); }
.pf-fine { font-size: 12px; color: rgba(255,255,255,0.25); line-height: 1.6; }

/* CSS Building Illustration */
.pf-visual { display: flex; align-items: flex-end; justify-content: center; }
.pf-building { position: relative; display: flex; flex-direction: column; align-items: center; }
.pf-building-ground {
  width: 260px;
  height: 6px;
  background: linear-gradient(90deg, rgba(201,168,76,0.4) 0%, rgba(201,168,76,0.1) 100%);
  border-radius: 3px;
  margin-bottom: -2px;
}
.pf-building-base {
  width: 240px;
  height: 48px;
  background: linear-gradient(180deg, #1a3356 0%, #0F2044 100%);
  border: 1px solid rgba(201,168,76,0.2);
  border-bottom: none;
  border-radius: 4px 4px 0 0;
  box-shadow: 0 -4px 24px rgba(201,168,76,0.1);
}
.pf-building-tower {
  width: 180px;
  height: 200px;
  background: linear-gradient(180deg, #122440 0%, #0F2044 100%);
  border: 1px solid rgba(201,168,76,0.15);
  border-bottom: none;
  position: relative;
  box-shadow: 0 0 40px rgba(201,168,76,0.06);
}
.pf-building-windows {
  position: absolute;
  top: 20px;
  left: 20px;
  right: 20px;
  bottom: 20px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.pf-win-row { display: flex; gap: 12px; flex: 1; align-items: center; }
.pf-win {
  flex: 1;
  height: 28px;
  background: rgba(201,168,76,0.08);
  border: 1px solid rgba(201,168,76,0.12);
  border-radius: 2px;
}
.pf-win--lit {
  background: rgba(201,168,76,0.25);
  border-color: rgba(201,168,76,0.3);
  box-shadow: 0 0 12px rgba(201,168,76,0.15);
}
.pf-building-roof {
  width: 200px;
  height: 24px;
  background: linear-gradient(180deg, rgba(201,168,76,0.2) 0%, rgba(201,168,76,0.05) 100%);
  border: 1px solid rgba(201,168,76,0.25);
  border-bottom: none;
  clip-path: polygon(10% 100%, 90% 100%, 100% 0%, 0% 0%);
}
.pf-building-legend {
  margin-top: 20px;
  font-size: 12px;
  color: rgba(201,168,76,0.4);
  letter-spacing: 0.06em;
  font-weight: 500;
}

@media (max-width: 900px) {
  .pf { grid-template-columns: 1fr; padding: 80px 24px; }
  .pf-visual { display: none; }
}