/* Global Capital Management Services – theme.
   Change the palette here (CSS variables) and the whole site updates. */
:root{
  --navy:#0a2540; --navy-2:#12365c; --navy-3:#071a2e;
  --gold:#c8a24a; --gold-d:#a8832f; --gold-l:#e6d2a0;
  --ink:#1b2430; --muted:#5b6675; --line:#e3e7ec; --bg:#f6f7f9; --white:#fff;
  --radius:12px; --shadow:0 10px 30px rgba(10,37,64,.10);
  --serif:'Libre Baskerville',Georgia,'Times New Roman',serif;
  --sans:'Source Sans 3',system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);font-size:17px;color:var(--ink);background:#fff;line-height:1.65;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%}
a{color:var(--navy-2);text-decoration:none}
a:hover{color:var(--gold-d)}
h1,h2,h3,h4{font-family:var(--serif);color:var(--navy);line-height:1.2;margin:0 0 .6em}
h1{font-size:clamp(2rem,4.6vw,3.3rem)} h2{font-size:clamp(1.6rem,3vw,2.3rem)} h3{font-size:1.25rem}
p{margin:0 0 1em}
.container{width:min(1180px,92%);margin-inline:auto}
.ico{flex:none;vertical-align:-.2em}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:var(--navy);padding:.6rem 1rem;z-index:100}
.skip:focus{left:0}

/* Top bar */
.topbar{background:var(--navy-3);color:#cdd6e2;font-size:.82rem}
.topbar a{color:#cdd6e2}.topbar a:hover{color:var(--gold)}
.topbar-in{display:flex;justify-content:space-between;gap:1rem;padding:.5rem 0;flex-wrap:wrap}
.topbar-r{display:flex;gap:1.4rem;flex-wrap:wrap}
.topbar .ico{color:var(--gold);margin-right:.25rem}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line);transition:box-shadow .2s}
.site-header.scrolled{box-shadow:0 6px 20px rgba(10,37,64,.10)}
.nav-in{display:flex;align-items:center;justify-content:space-between;padding:.7rem 0}
.brand{display:flex;align-items:center;gap:.7rem;color:var(--navy)}
.brand-text{display:flex;flex-direction:column;line-height:1.1}
.brand-text strong{font-family:var(--serif);font-size:1.12rem;letter-spacing:.05em;color:var(--navy)}
.brand-text small{font-size:.72rem;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-d);font-weight:600;margin-top:.2rem}
.brand-light .brand-text strong{color:#fff}.brand-light .brand-text small{color:var(--gold)}
.nav{display:flex;align-items:center;gap:1.6rem}
.nav a{color:var(--ink);font-weight:500;font-size:.95rem;position:relative;padding:.3rem 0}
.nav a:not(.btn)::after{content:"";position:absolute;left:0;bottom:-2px;height:2px;width:0;background:var(--gold);transition:width .2s}
.nav a:not(.btn):hover::after,.nav a.active::after{width:100%}
.nav a.active{color:var(--navy)}
.nav-toggle{display:none;background:none;border:0;color:var(--navy);cursor:pointer;padding:.3rem}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:.5rem;font-weight:600;font-size:.95rem;padding:.8rem 1.4rem;border-radius:8px;border:2px solid transparent;cursor:pointer;transition:.2s;font-family:var(--sans)}
.btn-gold{background:var(--gold);color:var(--navy)!important;border-color:var(--gold)}
.btn-gold:hover{background:var(--gold-d);border-color:var(--gold-d);color:#fff!important}
.btn-outline{border-color:rgba(255,255,255,.6);color:#fff}
.btn-outline:hover{background:#fff;color:var(--navy)}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-2);color:#fff}
.nav-cta{padding:.6rem 1.1rem}

/* Hero */
.hero{position:relative;color:#fff;overflow:hidden;
  background:radial-gradient(900px 500px at 85% 10%,rgba(200,162,74,.22),transparent 60%),linear-gradient(135deg,var(--navy-3),var(--navy) 55%,var(--navy-2))}
.hero::before{content:"";position:absolute;inset:0;opacity:.08;
  background-image:linear-gradient(#fff 1px,transparent 1px),linear-gradient(90deg,#fff 1px,transparent 1px);background-size:56px 56px}
.hero-in{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:3rem;align-items:center;padding:5rem 0 5.5rem}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);margin-bottom:1rem}
.hero h1{color:#fff}.hero h1 em{font-style:normal;color:var(--gold)}
.hero .lead{font-size:1.12rem;color:#d3dce8;max-width:36rem}
.hero-btns{display:flex;gap:.9rem;flex-wrap:wrap;margin-top:1.8rem}
.hero-card{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:16px;padding:1.8rem;backdrop-filter:blur(6px)}
.hero-card h3{color:#fff;font-size:1.1rem;margin-bottom:1.1rem}
.hero-card li{display:flex;gap:.9rem;align-items:flex-start;padding:.85rem 0;border-top:1px solid rgba(255,255,255,.12)}
.hero-card li:first-child{border-top:0}
.hero-card ul{list-style:none;margin:0;padding:0}
.hero-card .ico{color:var(--gold);margin-top:.15rem}
.hero-card strong{display:block;color:#fff}.hero-card span{font-size:.9rem;color:#c3cedc}

/* Page banner */
.page-hero{background:linear-gradient(135deg,var(--navy-3),var(--navy));color:#fff;padding:3.6rem 0;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;right:-80px;top:-80px;width:340px;height:340px;border-radius:50%;border:2px solid rgba(200,162,74,.35);box-shadow:0 0 0 40px rgba(200,162,74,.06)}
.page-hero h1{color:#fff;margin-bottom:.3em}.page-hero p{color:#d3dce8;max-width:42rem;margin:0}
.crumbs{font-size:.85rem;color:var(--gold);margin-bottom:.8rem}.crumbs a{color:var(--gold-l)}

/* Trust strip */
.strip{background:var(--navy);border-top:1px solid rgba(255,255,255,.1)}
.strip-in{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;padding:1.3rem 0}
.strip-item{display:flex;align-items:center;gap:.7rem;color:#e8eef6;font-size:.92rem;font-weight:500}
.strip-item .ico{color:var(--gold)}

/* Sections */
section{padding:5rem 0}
.alt{background:var(--bg)}
.sec-head{max-width:44rem;margin:0 auto 3rem;text-align:center}
.sec-head .eyebrow{color:var(--gold-d)}
.sec-head p{color:var(--muted)}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.6rem}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:1.6rem}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:1.4rem}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:2rem;transition:.25s;position:relative}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:var(--gold-l)}
.card .ico-wrap{width:56px;height:56px;border-radius:12px;background:var(--navy);color:var(--gold);display:grid;place-items:center;margin-bottom:1.2rem}
.card p{color:var(--muted);margin-bottom:1.1rem}
.link-arrow{font-weight:600;display:inline-flex;gap:.4rem;align-items:center}
.ticks{list-style:none;padding:0;margin:0 0 1.2rem}
.ticks li{display:flex;gap:.6rem;padding:.3rem 0;color:var(--ink)}
.ticks .ico{color:var(--gold-d);margin-top:.2rem}

/* Split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:center}
.panel{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;border-radius:16px;padding:2.4rem;box-shadow:var(--shadow)}
.panel h3{color:#fff}.panel p{color:#d3dce8}
.panel .ticks li{color:#fff}.panel .ticks .ico{color:var(--gold)}

/* Regions */
.chips{display:flex;flex-wrap:wrap;gap:.6rem}
.chip{background:#fff;border:1px solid var(--line);border-radius:999px;padding:.45rem 1rem;font-size:.9rem;font-weight:500;color:var(--navy)}
.chip.sa{background:var(--navy);color:#fff;border-color:var(--navy)}
.region-card h3{display:flex;align-items:center;gap:.6rem}
.region-card h3 .ico{color:var(--gold-d)}

/* Steps */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:1.4rem}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.8rem;position:relative}
.step::before{counter-increment:s;content:"0" counter(s);font-family:var(--serif);font-size:2.2rem;color:var(--gold);display:block;margin-bottom:.4rem}
.step p{color:var(--muted);margin:0;font-size:.95rem}

/* CTA band */
.cta{background:linear-gradient(135deg,var(--navy-3),var(--navy-2));color:#fff;text-align:center;padding:4rem 0}
.cta h2{color:#fff}.cta p{color:#d3dce8;max-width:36rem;margin:0 auto 1.6rem}

/* FAQ */
details{background:#fff;border:1px solid var(--line);border-radius:var(--radius);margin-bottom:.9rem;padding:0 1.4rem}
details[open]{border-color:var(--gold-l);box-shadow:var(--shadow)}
summary{cursor:pointer;font-weight:600;color:var(--navy);padding:1.1rem 0;list-style:none;display:flex;justify-content:space-between;gap:1rem}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--gold-d);font-size:1.4rem;line-height:1}
details[open] summary::after{content:"–"}
details p{color:var(--muted)}

/* Forms */
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:2rem;box-shadow:var(--shadow)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
label{display:block;font-weight:600;font-size:.88rem;margin:0 0 .35rem;color:var(--navy)}
input,select,textarea{width:100%;padding:.8rem .9rem;border:1px solid #cfd6df;border-radius:8px;font:inherit;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:2px solid var(--gold);border-color:var(--gold)}
.field{margin-bottom:1rem}
.hp{position:absolute;left:-9999px;height:0;overflow:hidden}
.alert{padding:1rem 1.2rem;border-radius:8px;margin-bottom:1.2rem;font-weight:500}
.alert-ok{background:#e7f5ec;color:#14532d;border:1px solid #b7e0c4}
.alert-err{background:#fdecec;color:#7f1d1d;border:1px solid #f3bcbc}
.contact-list{list-style:none;padding:0;margin:0}
.contact-list li{display:flex;gap:1rem;padding:1rem 0;border-bottom:1px solid var(--line)}
.contact-list .ico{color:var(--gold-d);margin-top:.2rem}
.contact-list strong{display:block;color:var(--navy)}

/* Prose */
.prose{max-width:48rem}.prose h2{font-size:1.5rem;margin-top:2rem}.prose li{margin-bottom:.4rem}
.service-block{padding:3.2rem 0;border-bottom:1px solid var(--line)}
.service-block:last-child{border:0}
.note{background:#fbf6e8;border-left:4px solid var(--gold);padding:1rem 1.2rem;border-radius:6px;color:#5c4a14;font-size:.93rem}

/* Footer */
.site-footer{background:var(--navy-3);color:#b6c2d1;font-size:.93rem}
.foot-grid{display:grid;grid-template-columns:1.4fr .8fr .9fr 1.2fr;gap:2.5rem;padding:4rem 0 2.5rem}
.site-footer h4{color:#fff;font-family:var(--sans);font-size:.85rem;text-transform:uppercase;letter-spacing:.14em;margin-bottom:1rem}
.site-footer ul{list-style:none;margin:0;padding:0}.site-footer li{margin-bottom:.5rem}
.site-footer a{color:#b6c2d1}.site-footer a:hover{color:var(--gold)}
.site-footer address{font-style:normal;line-height:1.7}
.foot-about{margin-top:1rem;max-width:22rem}
.foot-legal{border-top:1px solid rgba(255,255,255,.12);padding:1.6rem 0 2rem;font-size:.8rem;color:#8d9bb0}
.foot-bottom{display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap;margin-top:1rem}
.foot-bottom a{margin-left:1rem}

/* Reveal */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s,transform .6s}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}}

/* Responsive */
@media (max-width:980px){
  .hero-in,.split{grid-template-columns:1fr;gap:2.2rem}
  .grid-3,.grid-4,.steps{grid-template-columns:1fr 1fr}
  .strip-in{grid-template-columns:1fr 1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:760px){
  .topbar-in>span:first-child{display:none}
  .nav-toggle{display:block}
  .nav{position:absolute;left:0;right:0;top:100%;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:.5rem 4%;border-bottom:1px solid var(--line);box-shadow:0 14px 24px rgba(10,37,64,.12);display:none}
  .nav.open{display:flex}
  .nav a{padding:.9rem 0;border-bottom:1px solid var(--line)}
  .nav a.btn{margin-top:.8rem;justify-content:center;border-bottom:2px solid var(--gold)}
  .grid-3,.grid-2,.grid-4,.steps,.form-row,.foot-grid{grid-template-columns:1fr}
  section{padding:3.4rem 0}
  .hero-in{padding:3.2rem 0 3.6rem}
  .brand-text strong{font-size:1.05rem}
}