/* ==========================================================================
   Wexdon Financial Services (wexdon.com) – Modern Production Stylesheet
   Strict Mobile-First Architecture, WCAG AA Compliant, High Performance
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. CSS Custom Properties / Design Tokens
   -------------------------------------------------------------------------- */
:root {
  /* Brand Palette - Refined London Financial Identity */
  --color-primary: #0a2540;          /* Deep Imperial Navy */
  --color-primary-light: #133963;    /* Medium Navy */
  --color-primary-dark: #061729;     /* Midnight Navy */
  --color-secondary: #0f4c81;        /* Accessible Classic Blue (>4.8:1 contrast on white) */
  --color-secondary-hover: #0a365c;  /* Darker Blue */
  --color-accent: #a36f12;           /* Deep Gold / Bronze (>4.5:1 contrast on white) */
  --color-accent-hover: #82570b;
  --color-accent-light: #fef9ed;     /* Soft Gold Tint */
  --color-accent-border: #e6cb8a;
  
  /* Neutral Slate Palette */
  --color-dark: #0f172a;             /* Slate 900 */
  --color-slate-800: #1e293b;
  --color-slate-700: #334155;
  --color-slate-600: #475569;        /* Slate 600 - High Legibility Body */
  --color-slate-500: #64748b;
  --color-slate-400: #94a3b8;
  --color-slate-300: #cbd5e1;
  --color-slate-200: #e2e8f0;
  --color-slate-100: #f1f5f9;
  --color-slate-50: #f8fafc;
  --color-white: #ffffff;
  
  /* Status & Notification Colors */
  --color-success: #15803d;
  --color-success-bg: #f0fdf4;
  --color-success-border: #bbf7d0;
  --color-warning: #b45309;
  --color-warning-bg: #fffbeb;
  --color-warning-border: #fde68a;
  --color-info-bg: #eff6ff;
  --color-info-border: #bfdbfe;

  /* Typography */
  --font-sans: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --font-serif: "Merriweather", Georgia, Cambria, "Times New Roman", Times, serif;

  /* Fluid Typography Scale (Mobile-First via clamp) */
  --text-xs: clamp(0.75rem, 0.72rem + 0.15vw, 0.8125rem);
  --text-sm: clamp(0.875rem, 0.84rem + 0.18vw, 0.9375rem);
  --text-base: clamp(1rem, 0.96rem + 0.2vw, 1.0625rem);
  --text-md: clamp(1.125rem, 1.05rem + 0.35vw, 1.25rem);
  --text-lg: clamp(1.25rem, 1.15rem + 0.5vw, 1.45rem);
  --text-xl: clamp(1.5rem, 1.35rem + 0.75vw, 1.85rem);
  --text-2xl: clamp(1.85rem, 1.6rem + 1.1vw, 2.35rem);
  --text-3xl: clamp(2.2rem, 1.8rem + 1.8vw, 3rem);

  /* Spacing Scale */
  --space-2xs: 0.25rem;
  --space-xs: 0.5rem;
  --space-sm: 0.75rem;
  --space-md: 1rem;
  --space-lg: 1.5rem;
  --space-xl: 2rem;
  --space-2xl: 3rem;
  --space-3xl: 4.5rem;

  /* Layout */
  --container-max: 1240px;
  --header-height: 80px;

  /* Radii */
  --radius-xs: 4px;
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 18px;
  --radius-full: 9999px;

  /* Elevation Shadows */
  --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.06), 0 1px 2px rgba(0, 0, 0, 0.04);
  --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.08), 0 2px 4px -2px rgba(0, 0, 0, 0.04);
  --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.08), 0 4px 6px -4px rgba(0, 0, 0, 0.03);
  --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 8px 10px -6px rgba(0, 0, 0, 0.04);

  /* Transitions */
  --transition-fast: 150ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-normal: 250ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-smooth: 350ms cubic-bezier(0.16, 1, 0.3, 1);
}

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

html {
  font-size: 100%;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
}

/* Never set overflow:hidden or auto on html or body to preserve sticky header */
body {
  font-family: var(--font-sans);
  font-size: var(--text-base);
  line-height: 1.65;
  color: var(--color-slate-700);
  background-color: var(--color-slate-50);
  overflow-x: clip; /* modern clipping without breaking position:sticky */
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

img, picture, svg, video {
  display: block;
  max-width: 100%;
  height: auto;
}

input, button, textarea, select {
  font: inherit;
  color: inherit;
}

a {
  color: var(--color-secondary);
  text-decoration: underline;
  text-decoration-thickness: 1px;
  text-underline-offset: 3px;
  transition: color var(--transition-fast), text-decoration-color var(--transition-fast);
}

a:hover, a:focus-visible {
  color: var(--color-secondary-hover);
  text-decoration-color: var(--color-secondary-hover);
}

/* Accessible focus styling */
:focus-visible {
  outline: 3px solid var(--color-secondary);
  outline-offset: 3px;
}

/* Typography Hierarchy */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-sans);
  color: var(--color-primary);
  line-height: 1.25;
  font-weight: 700;
  letter-spacing: -0.015em;
  overflow-wrap: break-word;
}

h1 {
  font-size: var(--text-3xl);
  font-weight: 800;
  margin-bottom: var(--space-md);
  letter-spacing: -0.025em;
}

h2 {
  font-size: var(--text-2xl);
  font-weight: 700;
  margin-bottom: var(--space-sm);
}

h3 {
  font-size: var(--text-xl);
  font-weight: 700;
  margin-bottom: var(--space-xs);
}

h4 {
  font-size: var(--text-lg);
  font-weight: 600;
  margin-bottom: var(--space-xs);
}

p {
  margin-bottom: var(--space-md);
  overflow-wrap: break-word;
}

p:last-child {
  margin-bottom: 0;
}

ul, ol {
  margin-bottom: var(--space-md);
  padding-inline-start: var(--space-lg);
}

li {
  margin-bottom: var(--space-xs);
}

li:last-child {
  margin-bottom: 0;
}

/* --------------------------------------------------------------------------
   3. Utility Classes & Layout Containers
   -------------------------------------------------------------------------- */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin-inline: auto;
  padding-inline: var(--space-md);
}

@media (min-width: 768px) {
  .container {
    padding-inline: var(--space-xl);
  }
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

/* Skip Navigation Link */
.skip-link {
  position: absolute;
  top: -100px;
  inset-inline-start: var(--space-md);
  background: var(--color-primary);
  color: var(--color-white);
  padding: var(--space-sm) var(--space-lg);
  z-index: 9999;
  font-weight: 600;
  border-radius: var(--radius-sm);
  text-decoration: none;
  transition: top var(--transition-fast);
}

.skip-link:focus {
  top: var(--space-md);
  outline: 3px solid var(--color-accent);
}

/* Flex / Grid Helpers */
.grid {
  display: grid;
  gap: var(--space-lg);
}

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

@media (min-width: 640px) {
  .grid-cols-2-sm { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

@media (min-width: 768px) {
  .grid-cols-2-md { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .grid-cols-3-md { grid-template-columns: repeat(3, minmax(0, 1fr)); }
}

@media (min-width: 1024px) {
  .grid-cols-3-lg { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .grid-cols-4-lg { grid-template-columns: repeat(4, minmax(0, 1fr)); }
}

/* Section Spacing */
.section {
  padding-block: var(--space-2xl);
}

@media (min-width: 768px) {
  .section {
    padding-block: var(--space-3xl);
  }
}

.section-alt {
  background-color: var(--color-slate-100);
}

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

.section-primary h1,
.section-primary h2,
.section-primary h3,
.section-primary h4 {
  color: var(--color-white);
}

.section-header {
  text-align: center;
  max-width: 780px;
  margin-inline: auto;
  margin-bottom: var(--space-2xl);
}

.section-eyebrow {
  display: inline-block;
  font-size: var(--text-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--color-accent);
  background-color: var(--color-accent-light);
  border: 1px solid var(--color-accent-border);
  padding: 0.25rem 0.75rem;
  border-radius: var(--radius-full);
  margin-bottom: var(--space-sm);
}

.section-title {
  margin-bottom: var(--space-sm);
}

.section-subtitle {
  font-size: var(--text-md);
  color: var(--color-slate-600);
}

.section-primary .section-subtitle {
  color: var(--color-slate-300);
}

/* --------------------------------------------------------------------------
   4. Buttons & Interactive Controls (Ergonomic Touch Targets >= 48px)
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-xs);
  min-height: 48px;
  min-width: 48px;
  padding: 0.75rem 1.5rem;
  font-size: var(--text-base);
  font-weight: 600;
  line-height: 1.25;
  text-decoration: none;
  border-radius: var(--radius-sm);
  border: 2px solid transparent;
  cursor: pointer;
  transition: all var(--transition-normal);
  text-align: center;
}

.btn-primary {
  background-color: var(--color-secondary);
  color: var(--color-white);
  border-color: var(--color-secondary);
  box-shadow: var(--shadow-sm);
}

.btn-primary:hover, .btn-primary:focus-visible {
  background-color: var(--color-secondary-hover);
  border-color: var(--color-secondary-hover);
  color: var(--color-white);
  box-shadow: var(--shadow-md);
  transform: translateY(-1px);
}

.btn-accent {
  background-color: var(--color-accent);
  color: var(--color-white);
  border-color: var(--color-accent);
  box-shadow: var(--shadow-sm);
}

.btn-accent:hover, .btn-accent:focus-visible {
  background-color: var(--color-accent-hover);
  border-color: var(--color-accent-hover);
  color: var(--color-white);
  box-shadow: var(--shadow-md);
  transform: translateY(-1px);
}

.btn-outline {
  background-color: transparent;
  color: var(--color-primary);
  border-color: var(--color-slate-300);
}

.btn-outline:hover, .btn-outline:focus-visible {
  background-color: var(--color-slate-100);
  border-color: var(--color-primary);
  color: var(--color-primary);
  text-decoration: none;
}

.btn-outline-white {
  background-color: transparent;
  color: var(--color-white);
  border-color: rgba(255, 255, 255, 0.4);
}

.btn-outline-white:hover, .btn-outline-white:focus-visible {
  background-color: rgba(255, 255, 255, 0.15);
  border-color: var(--color-white);
  color: var(--color-white);
  text-decoration: none;
}

.btn-sm {
  min-height: 42px;
  padding: 0.5rem 1rem;
  font-size: var(--text-sm);
}

/* --------------------------------------------------------------------------
   5. Global Header & Sticky Glassmorphism Navigation
   -------------------------------------------------------------------------- */
/* Direct child of body, pinned at top at all times */
header.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background-color: rgba(255, 255, 255, 0.98);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--color-slate-200);
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.04);
}

/* Top utility announcement bar */
.top-bar {
  background-color: var(--color-primary);
  color: var(--color-slate-300);
  font-size: var(--text-xs);
  padding-block: 0.4rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.top-bar-inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-xs) var(--space-md);
}

.top-bar-items {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--space-md);
}

.top-bar-item {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  color: var(--color-slate-300);
  text-decoration: none;
}

.top-bar-item:hover, .top-bar-item:focus-visible {
  color: var(--color-white);
  text-decoration: underline;
}

.top-bar-item svg {
  width: 14px;
  height: 14px;
  flex-shrink: 0;
}

/* Main Navbar */
.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-md);
  min-height: 72px;
}

/* Brand Logo (sitting at start, serving as Home link) */
.brand-link {
  display: inline-flex;
  align-items: center;
  gap: var(--space-sm);
  text-decoration: none;
  min-height: 48px;
  padding-block: var(--space-xs);
  flex-shrink: 0;
}

.brand-logo-img {
  width: 150px;
  height: 35px;
  object-fit: contain;
}

.brand-text-wrap {
  display: flex;
  flex-direction: column;
}

.brand-title {
  font-size: var(--text-sm);
  font-weight: 700;
  color: var(--color-primary);
  line-height: 1.1;
  letter-spacing: -0.01em;
}

.brand-subtitle {
  font-size: 0.6875rem;
  font-weight: 500;
  color: var(--color-slate-500);
  letter-spacing: 0.02em;
}

/* Desktop Navigation Menu */
.nav-menu {
  display: none;
  list-style: none;
  margin: 0;
  padding: 0;
}

@media (min-width: 1024px) {
  .nav-menu {
    display: flex;
    align-items: center;
    gap: var(--space-xs);
  }
}

.nav-link {
  display: inline-flex;
  align-items: center;
  min-height: 48px;
  padding: 0.5rem 0.85rem;
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--color-slate-700);
  text-decoration: none;
  border-radius: var(--radius-sm);
  transition: all var(--transition-fast);
  white-space: nowrap;
}

.nav-link:hover, .nav-link:focus-visible {
  color: var(--color-secondary);
  background-color: var(--color-slate-100);
  text-decoration: none;
}

.nav-link.active {
  color: var(--color-secondary);
  background-color: var(--color-info-bg);
  font-weight: 700;
  border-bottom: 2px solid var(--color-secondary);
}

/* Header Actions */
.header-actions {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
}

.header-cta {
  display: none;
}

@media (min-width: 640px) {
  .header-cta {
    display: inline-flex;
  }
}

/* Mobile Menu Hamburger Button (min 48x48) */
.mobile-menu-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 48px;
  min-height: 48px;
  padding: 0.5rem;
  background: transparent;
  border: 1px solid var(--color-slate-300);
  border-radius: var(--radius-sm);
  color: var(--color-primary);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.mobile-menu-btn:hover, .mobile-menu-btn:focus-visible {
  background-color: var(--color-slate-100);
  border-color: var(--color-secondary);
}

.mobile-menu-btn svg {
  width: 24px;
  height: 24px;
  stroke: currentColor;
}

@media (min-width: 1024px) {
  .mobile-menu-btn {
    display: none;
  }
}

/* Mobile Navigation Drawer */
.mobile-drawer {
  display: none;
  position: absolute;
  top: 100%;
  inset-inline: 0;
  background-color: var(--color-white);
  border-bottom: 2px solid var(--color-secondary);
  box-shadow: var(--shadow-xl);
  padding: var(--space-md);
  max-height: calc(100vh - 120px);
  overflow-y: auto;
}

.mobile-drawer.is-open {
  display: block;
}

.mobile-nav-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
}

.mobile-nav-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 48px;
  padding: 0.75rem var(--space-md);
  font-size: var(--text-base);
  font-weight: 600;
  color: var(--color-primary);
  text-decoration: none;
  border-radius: var(--radius-sm);
  background-color: var(--color-slate-50);
}

.mobile-nav-link:hover, .mobile-nav-link:focus-visible {
  background-color: var(--color-info-bg);
  color: var(--color-secondary);
  text-decoration: none;
}

.mobile-nav-link.active {
  background-color: var(--color-info-bg);
  color: var(--color-secondary);
  border-inline-start: 4px solid var(--color-secondary);
}

.mobile-drawer-cta {
  margin-top: var(--space-md);
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
}

/* --------------------------------------------------------------------------
   6. Hero & Founder Profile Section
   -------------------------------------------------------------------------- */
.hero {
  position: relative;
  background: linear-gradient(135deg, #0a2540 0%, #10345d 100%);
  color: var(--color-white);
  padding-block: var(--space-2xl) var(--space-3xl);
  overflow: hidden;
}

.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 85% 20%, rgba(20, 110, 180, 0.25) 0%, transparent 60%);
  pointer-events: none;
}

.hero-grid {
  display: grid;
  gap: var(--space-2xl);
  align-items: center;
  position: relative;
  z-index: 1;
}

@media (min-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1.2fr 0.8fr;
    gap: var(--space-3xl);
  }
}

.hero-content {
  min-width: 0;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: var(--text-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-accent-border);
  background-color: rgba(255, 255, 255, 0.1);
  padding: 0.35rem 0.85rem;
  border-radius: var(--radius-full);
  margin-bottom: var(--space-md);
  border: 1px solid rgba(255, 255, 255, 0.15);
}

.hero-title {
  color: var(--color-white);
  font-size: var(--text-3xl);
  line-height: 1.15;
  margin-bottom: var(--space-md);
  letter-spacing: -0.02em;
}

.hero-lead {
  font-size: var(--text-md);
  line-height: 1.6;
  color: var(--color-slate-200);
  margin-bottom: var(--space-xl);
  max-width: 620px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-md);
  margin-bottom: var(--space-xl);
}

.hero-badges {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: var(--space-md);
  padding-top: var(--space-md);
  border-top: 1px solid rgba(255, 255, 255, 0.15);
}

.hero-badge-item {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: var(--text-xs);
  color: var(--color-slate-300);
}

.hero-badge-item svg {
  width: 16px;
  height: 16px;
  color: var(--color-accent-border);
  flex-shrink: 0;
}

/* Founder Profile Card */
.founder-card {
  background: var(--color-white);
  color: var(--color-slate-800);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  box-shadow: var(--shadow-xl);
  border: 1px solid rgba(255, 255, 255, 0.1);
  position: relative;
  min-width: 0;
}

.founder-media {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: var(--space-md);
  margin-bottom: var(--space-md);
}

.founder-img-wrap {
  width: 160px;
  height: 160px;
  border-radius: var(--radius-full);
  overflow: hidden;
  border: 4px solid var(--color-accent-border);
  box-shadow: var(--shadow-md);
  background-color: var(--color-slate-100);
  flex-shrink: 0;
}

.founder-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
}

.founder-info h2 {
  font-size: var(--text-lg);
  color: var(--color-primary);
  margin-bottom: 0.25rem;
}

.founder-credentials {
  font-size: var(--text-xs);
  font-weight: 700;
  color: var(--color-secondary);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 0.35rem;
}

.founder-role {
  font-size: var(--text-sm);
  color: var(--color-slate-600);
}

.founder-bio {
  font-size: var(--text-sm);
  color: var(--color-slate-600);
  line-height: 1.55;
  margin-bottom: var(--space-md);
}

.founder-accreditation {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-sm);
  padding: var(--space-sm) var(--space-md);
  background-color: var(--color-slate-50);
  border-radius: var(--radius-sm);
  border: 1px solid var(--color-slate-200);
}

.pfs-badge-img {
  width: 103px;
  height: 54px;
  object-fit: contain;
  flex-shrink: 0;
}

.accreditation-text {
  font-size: var(--text-xs);
  color: var(--color-slate-600);
  line-height: 1.35;
}

/* --------------------------------------------------------------------------
   7. Value Proposition Cards & Commitments
   -------------------------------------------------------------------------- */
.card {
  background-color: var(--color-white);
  border-radius: var(--radius-md);
  padding: var(--space-xl);
  border: 1px solid var(--color-slate-200);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-normal), box-shadow var(--transition-normal);
  min-width: 0;
  display: flex;
  flex-direction: column;
}

.card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
  border-color: var(--color-slate-300);
}

.card-icon {
  width: 48px;
  height: 48px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-sm);
  background-color: var(--color-info-bg);
  color: var(--color-secondary);
  margin-bottom: var(--space-md);
  flex-shrink: 0;
}

.card-icon svg {
  width: 24px;
  height: 24px;
}

.card-title {
  font-size: var(--text-md);
  margin-bottom: var(--space-xs);
}

.card-text {
  font-size: var(--text-sm);
  color: var(--color-slate-600);
  line-height: 1.55;
  flex-grow: 1;
}

.card-footer {
  margin-top: var(--space-md);
  padding-top: var(--space-sm);
  border-top: 1px solid var(--color-slate-100);
}

/* --------------------------------------------------------------------------
   8. "Let Us Phone You Now" Interactive Call-Back Module
   -------------------------------------------------------------------------- */
.callback-section {
  background: linear-gradient(180deg, var(--color-white) 0%, var(--color-slate-100) 100%);
  border-top: 1px solid var(--color-slate-200);
  border-bottom: 1px solid var(--color-slate-200);
}

.callback-box {
  background-color: var(--color-white);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  border: 1px solid var(--color-slate-200);
  box-shadow: var(--shadow-md);
}

@media (min-width: 768px) {
  .callback-box {
    padding: var(--space-2xl);
  }
}

.callback-header {
  text-align: center;
  max-width: 680px;
  margin-inline: auto;
  margin-bottom: var(--space-xl);
}

.callback-form {
  display: grid;
  gap: var(--space-md);
}

@media (min-width: 640px) {
  .callback-form {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: var(--space-2xs);
  min-width: 0;
}

.form-group.full-width {
  grid-column: 1 / -1;
}

.form-label {
  font-size: var(--text-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-primary);
}

.form-input, .form-select, .form-textarea {
  min-height: 48px;
  padding: 0.65rem 0.85rem;
  font-size: var(--text-base);
  color: var(--color-slate-800);
  background-color: var(--color-white);
  border: 1.5px solid var(--color-slate-300);
  border-radius: var(--radius-sm);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
  width: 100%;
}

.form-textarea {
  min-height: 110px;
  resize: vertical;
}

.form-input:focus, .form-select:focus, .form-textarea:focus {
  outline: none;
  border-color: var(--color-secondary);
  box-shadow: 0 0 0 3px rgba(15, 76, 129, 0.15);
}

.form-help {
  font-size: var(--text-xs);
  color: var(--color-slate-500);
}

.form-feedback {
  padding: var(--space-md);
  border-radius: var(--radius-sm);
  font-size: var(--text-sm);
  display: none;
  grid-column: 1 / -1;
}

.form-feedback.is-visible {
  display: block;
}

.form-feedback.is-success {
  background-color: var(--color-success-bg);
  border: 1px solid var(--color-success-border);
  color: var(--color-success);
}

.form-feedback.is-error {
  background-color: #fef2f2;
  border: 1px solid #fecaca;
  color: #b91c1c;
}

/* --------------------------------------------------------------------------
   9. Service Division Highlight Grids
   -------------------------------------------------------------------------- */
.service-card {
  background-color: var(--color-white);
  border: 1px solid var(--color-slate-200);
  border-radius: var(--radius-md);
  padding: var(--space-xl);
  display: flex;
  flex-direction: column;
  transition: all var(--transition-normal);
  position: relative;
  overflow: hidden;
}

.service-card::before {
  content: "";
  position: absolute;
  top: 0;
  inset-inline-start: 0;
  inset-inline-end: 0;
  height: 4px;
  background-color: var(--color-secondary);
  opacity: 0;
  transition: opacity var(--transition-fast);
}

.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--color-slate-300);
}

.service-card:hover::before {
  opacity: 1;
}

.service-badge {
  font-size: var(--text-xs);
  font-weight: 700;
  color: var(--color-accent);
  margin-bottom: var(--space-xs);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.service-title {
  font-size: var(--text-lg);
  margin-bottom: var(--space-sm);
}

.service-desc {
  font-size: var(--text-sm);
  color: var(--color-slate-600);
  line-height: 1.55;
  margin-bottom: var(--space-md);
  flex-grow: 1;
}

.service-features {
  list-style: none;
  padding: 0;
  margin-bottom: var(--space-md);
  font-size: var(--text-xs);
  color: var(--color-slate-700);
}

.service-feature-item {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  margin-bottom: 0.4rem;
}

.service-feature-item svg {
  width: 16px;
  height: 16px;
  color: var(--color-secondary);
  flex-shrink: 0;
  margin-top: 2px;
}

.service-link {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  font-size: var(--text-sm);
  font-weight: 700;
  color: var(--color-secondary);
  text-decoration: none;
  margin-top: auto;
}

.service-link:hover, .service-link:focus-visible {
  color: var(--color-secondary-hover);
  text-decoration: underline;
}

/* --------------------------------------------------------------------------
   10. Thought Leadership / Blog Commentary Stream
   -------------------------------------------------------------------------- */
.blog-card {
  background-color: var(--color-white);
  border: 1px solid var(--color-slate-200);
  border-radius: var(--radius-md);
  padding: var(--space-lg);
  display: flex;
  flex-direction: column;
  transition: all var(--transition-normal);
}

.blog-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
  border-color: var(--color-secondary);
}

.blog-meta {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--space-xs) var(--space-sm);
  font-size: var(--text-xs);
  color: var(--color-slate-500);
  margin-bottom: var(--space-xs);
}

.blog-tag {
  font-weight: 700;
  color: var(--color-secondary);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.blog-title {
  font-size: var(--text-md);
  margin-bottom: var(--space-xs);
  line-height: 1.35;
}

.blog-excerpt {
  font-size: var(--text-sm);
  color: var(--color-slate-600);
  line-height: 1.55;
  margin-bottom: var(--space-md);
  flex-grow: 1;
}

/* --------------------------------------------------------------------------
   11. Comparison Tables & Data Displays
   -------------------------------------------------------------------------- */
.table-responsive {
  width: 100%;
  overflow-x: auto;
  border-radius: var(--radius-md);
  border: 1px solid var(--color-slate-200);
  background-color: var(--color-white);
  box-shadow: var(--shadow-sm);
  margin-block: var(--space-lg);
  -webkit-overflow-scrolling: touch;
}

.data-table {
  width: 100%;
  border-collapse: collapse;
  text-align: start;
  font-size: var(--text-sm);
}

.data-table th, .data-table td {
  padding: var(--space-md);
  border-bottom: 1px solid var(--color-slate-200);
  vertical-align: top;
}

.data-table th {
  background-color: var(--color-slate-100);
  font-weight: 700;
  color: var(--color-primary);
  white-space: nowrap;
}

.data-table tr:last-child td {
  border-bottom: none;
}

.data-table tr:hover td {
  background-color: var(--color-slate-50);
}

.table-highlight {
  background-color: var(--color-accent-light) !important;
  font-weight: 600;
  color: var(--color-primary);
}

/* --------------------------------------------------------------------------
   12. Legal, Risk Warning & FCA Regulatory Banners
   -------------------------------------------------------------------------- */
.regulatory-banner {
  background-color: #f8fafc;
  border-block: 1px solid var(--color-slate-300);
  padding-block: var(--space-xl);
}

.regulatory-box {
  background-color: var(--color-warning-bg);
  border: 1px solid var(--color-warning-border);
  border-radius: var(--radius-md);
  padding: var(--space-lg);
  font-size: var(--text-xs);
  color: #78350f;
  line-height: 1.6;
}

.regulatory-title {
  font-size: var(--text-sm);
  font-weight: 700;
  color: #92400e;
  margin-bottom: var(--space-xs);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.disclaimer-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
}

.disclaimer-item {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
}

.disclaimer-item svg {
  width: 14px;
  height: 14px;
  flex-shrink: 0;
  margin-top: 2px;
  color: #b45309;
}

/* --------------------------------------------------------------------------
   13. Global Multi-Column Footer
   -------------------------------------------------------------------------- */
footer.site-footer {
  background-color: var(--color-primary-dark);
  color: var(--color-slate-300);
  font-size: var(--text-sm);
  padding-top: var(--space-3xl);
  margin-top: auto;
  border-top: 3px solid var(--color-secondary);
}

.footer-grid {
  display: grid;
  gap: var(--space-2xl);
  padding-bottom: var(--space-2xl);
}

@media (min-width: 640px) {
  .footer-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (min-width: 1024px) {
  .footer-grid {
    grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  }
}

.footer-col h3 {
  font-size: var(--text-md);
  color: var(--color-white);
  margin-bottom: var(--space-md);
  font-weight: 700;
  letter-spacing: 0.02em;
}

.footer-desc {
  font-size: var(--text-xs);
  line-height: 1.6;
  color: var(--color-slate-400);
  margin-bottom: var(--space-md);
}

.footer-links {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
}

.footer-links a {
  color: var(--color-slate-300);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  min-height: 38px;
  transition: color var(--transition-fast);
}

.footer-links a:hover, .footer-links a:focus-visible {
  color: var(--color-white);
  text-decoration: underline;
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  font-size: var(--text-xs);
  margin-bottom: var(--space-sm);
  color: var(--color-slate-300);
}

.footer-contact-item svg {
  width: 16px;
  height: 16px;
  color: var(--color-accent-border);
  flex-shrink: 0;
  margin-top: 2px;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-block: var(--space-lg);
  font-size: var(--text-xs);
  color: var(--color-slate-400);
}

.footer-bottom-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-md);
  text-align: center;
}

@media (min-width: 768px) {
  .footer-bottom-inner {
    flex-direction: row;
    text-align: start;
  }
}

.footer-legal-links {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-md);
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer-legal-links a {
  color: var(--color-slate-400);
  text-decoration: none;
  cursor: pointer;
}

.footer-legal-links a:hover, .footer-legal-links a:focus-visible {
  color: var(--color-white);
  text-decoration: underline;
}

/* --------------------------------------------------------------------------
   14. Back-to-Top Button (Fixed, >= 48px, Smooth Scroll)
   -------------------------------------------------------------------------- */
.back-to-top {
  position: fixed;
  bottom: 24px;
  inset-inline-end: 24px;
  width: 48px;
  height: 48px;
  min-width: 48px;
  min-height: 48px;
  background-color: var(--color-secondary);
  color: var(--color-white);
  border: 2px solid var(--color-white);
  border-radius: var(--radius-full);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-lg);
  cursor: pointer;
  z-index: 800;
  opacity: 0;
  visibility: hidden;
  transform: translateY(16px);
  transition: opacity var(--transition-normal), visibility var(--transition-normal), transform var(--transition-normal), background-color var(--transition-fast);
}

.back-to-top.is-visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.back-to-top:hover, .back-to-top:focus-visible {
  background-color: var(--color-secondary-hover);
  transform: translateY(-2px);
  box-shadow: var(--shadow-xl);
}

.back-to-top svg {
  width: 22px;
  height: 22px;
  stroke: currentColor;
}

/* --------------------------------------------------------------------------
   15. Accessible Modal Dialogs (Fees, Privacy, Cookies)
   -------------------------------------------------------------------------- */
.modal-backdrop {
  display: none;
  position: fixed;
  inset: 0;
  background-color: rgba(10, 37, 64, 0.7);
  backdrop-filter: blur(4px);
  z-index: 2000;
  padding: var(--space-md);
  align-items: center;
  justify-content: center;
}

.modal-backdrop.is-open {
  display: flex;
}

.modal-dialog {
  background-color: var(--color-white);
  border-radius: var(--radius-lg);
  max-width: 720px;
  width: 100%;
  max-height: 85vh;
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow-xl);
  overflow: hidden;
  animation: modalEnter 0.25s cubic-bezier(0.16, 1, 0.3, 1);
}

@keyframes modalEnter {
  from { opacity: 0; transform: scale(0.96) translateY(10px); }
  to { opacity: 1; transform: scale(1) translateY(0); }
}

.modal-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-lg);
  border-bottom: 1px solid var(--color-slate-200);
  background-color: var(--color-slate-50);
}

.modal-title {
  font-size: var(--text-lg);
  color: var(--color-primary);
  margin-bottom: 0;
}

.modal-close-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  background: transparent;
  border: 1px solid var(--color-slate-300);
  border-radius: var(--radius-sm);
  color: var(--color-slate-600);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.modal-close-btn:hover, .modal-close-btn:focus-visible {
  background-color: var(--color-slate-200);
  color: var(--color-primary);
}

.modal-body {
  padding: var(--space-xl);
  overflow-y: auto;
  font-size: var(--text-sm);
  line-height: 1.65;
  color: var(--color-slate-700);
}

.modal-body h4 {
  color: var(--color-primary);
  margin-top: var(--space-md);
  margin-bottom: var(--space-xs);
}

.modal-footer {
  padding: var(--space-md) var(--space-lg);
  border-top: 1px solid var(--color-slate-200);
  display: flex;
  justify-content: flex-end;
  background-color: var(--color-slate-50);
}

/* --------------------------------------------------------------------------
   16. Print & High-Contrast Optimization
   -------------------------------------------------------------------------- */
@media print {
  header.site-header {
    position: static;
    box-shadow: none;
    border-bottom: 1px solid #000;
  }

  .top-bar, .back-to-top, .mobile-menu-btn, .btn, .callback-section {
    display: none !important;
  }

  body {
    color: #000;
    background: #fff;
    font-size: 11pt;
  }

  a {
    color: #000;
    text-decoration: underline;
  }
}