/* ============================================================
   TOMMY COOPER — BEACON FINANCIAL GROUP
   Global Stylesheet
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,400;0,500;0,600;1,400&family=DM+Sans:wght@300;400;500&display=swap');

:root {
  --navy:       #142840;
  --navy-deep:  #0d1e30;
  --navy-mid:   #1b3a52;
  --gold:       #C9A84C;
  --gold-light: #e8c97a;
  --white:      #ffffff;
  --off-white:  #f7f5f1;
  --light-blue: #A8C4D8;
  --text-dark:  #1a2b3c;
  --text-mid:   #3a4f60;
  --text-light: #6b7d8e;
  --border:     #dde4ea;

  --font-display: 'Cormorant Garamond', Georgia, serif;
  --font-body:    'DM Sans', system-ui, sans-serif;

  --max-w: 1140px;
  --section-pad: 90px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--text-dark);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  line-height: 1.6;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }

/* ── TYPOGRAPHY ─────────────────────────────────────────── */
h1, h2, h3 {
  font-family: var(--font-display);
  font-weight: 500;
  line-height: 1.15;
}
h1 { font-size: clamp(2.4rem, 5vw, 3.8rem); }
h2 { font-size: clamp(1.8rem, 3vw, 2.6rem); }
h3 { font-size: clamp(1.2rem, 2vw, 1.5rem); }
p  { font-size: 1rem; line-height: 1.75; color: var(--text-mid); }

/* ── LAYOUT ─────────────────────────────────────────────── */
.container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 32px;
}
section { padding: var(--section-pad) 0; }

/* ── NAV ────────────────────────────────────────────────── */
nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: rgba(20, 40, 64, 0.96);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid rgba(201,168,76,0.2);
  transition: background 0.3s;
}
.nav-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 32px;
  height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.nav-logo img {
  height: 38px;
  mix-blend-mode: screen;
  filter: brightness(1.6);
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 0;
  list-style: none;
}
.nav-links > li { position: relative; }
.nav-links > li > a {
  display: block;
  padding: 8px 16px;
  font-size: 0.82rem;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.82);
  transition: color 0.2s;
}
.nav-links > li > a:hover { color: var(--gold); }

/* Dropdown */
.nav-links .dropdown { position: relative; }
.dropdown-menu {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  padding-top: 8px;
  background: var(--navy-deep);
  border: 1px solid rgba(201,168,76,0.15);
  border-top: 2px solid var(--gold);
  min-width: 200px;
  padding: 8px 0;
  list-style: none;
  box-shadow: 0 12px 32px rgba(0,0,0,0.3);
}
.dropdown:hover .dropdown-menu { display: block; }
.dropdown-menu li a {
  display: block;
  padding: 10px 20px;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.75);
  letter-spacing: 0.04em;
  transition: all 0.15s;
}
.dropdown-menu li a:hover {
  color: var(--gold);
  background: rgba(201,168,76,0.06);
  padding-left: 26px;
}
.nav-cta {
  background: var(--gold);
  color: var(--navy) !important;
  padding: 9px 20px !important;
  border-radius: 2px;
  font-weight: 500;
  letter-spacing: 0.06em;
  transition: background 0.2s !important;
}
.nav-cta:hover { background: var(--gold-light) !important; color: var(--navy) !important; }

/* Mobile hamburger */
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  background: none;
  border: none;
  padding: 4px;
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  transition: 0.3s;
}

/* ── PAGE HERO (interior pages) ─────────────────────────── */
.page-hero {
  padding: 140px 0 70px;
  background: var(--navy);
  position: relative;
  overflow: hidden;
}
.page-hero::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}
.page-hero h1 { color: var(--white); }
.page-hero .subtitle {
  font-family: var(--font-body);
  font-size: 0.9rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}

/* ── BUTTONS ────────────────────────────────────────────── */
.btn {
  display: inline-block;
  padding: 13px 28px;
  font-family: var(--font-body);
  font-size: 0.82rem;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  border-radius: 2px;
  transition: all 0.2s;
  cursor: pointer;
}
.btn-primary {
  background: var(--gold);
  color: var(--navy);
}
.btn-primary:hover { background: var(--gold-light); }
.btn-outline {
  border: 1px solid var(--gold);
  color: var(--gold);
}
.btn-outline:hover { background: var(--gold); color: var(--navy); }
.btn-outline-white {
  border: 1px solid rgba(255,255,255,0.5);
  color: var(--white);
}
.btn-outline-white:hover {
  border-color: var(--gold);
  color: var(--gold);
}

/* ── GOLD RULE ──────────────────────────────────────────── */
.gold-rule {
  width: 48px;
  height: 2px;
  background: var(--gold);
  margin: 20px 0 28px;
}
.gold-rule.center { margin: 20px auto 28px; }

/* ── SECTION LABEL ──────────────────────────────────────── */
.section-label {
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}

/* ── FOOTER ─────────────────────────────────────────────── */
footer {
  background: var(--navy-deep);
  color: rgba(255,255,255,0.7);
  padding: 60px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-brand img {
  height: 36px;
  mix-blend-mode: screen;
  filter: brightness(1.6);
  margin-bottom: 16px;
}
.footer-brand p {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.7;
}
.footer-col h4 {
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 18px;
}
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.6);
  transition: color 0.2s;
}
.footer-col ul li a:hover { color: var(--gold); }
.footer-col p {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.6);
  line-height: 1.7;
}
.footer-bottom {
  padding: 24px 0;
  display: flex;
  align-items: flex-start;
  gap: 24px;
}
.footer-disc {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.35);
  line-height: 1.6;
}

/* ── CARDS ──────────────────────────────────────────────── */
.card {
  background: var(--white);
  border: 1px solid var(--border);
  padding: 36px 32px;
  transition: box-shadow 0.25s, transform 0.25s;
}
.card:hover {
  box-shadow: 0 12px 40px rgba(20,40,64,0.1);
  transform: translateY(-3px);
}
.card h3 { margin-bottom: 14px; }

/* ── PROCESS STEPS ──────────────────────────────────────── */
.step-number {
  font-family: var(--font-display);
  font-size: 3.5rem;
  color: var(--gold);
  opacity: 0.25;
  line-height: 1;
  margin-bottom: 8px;
}


/* Beacon nav link */
.beacon-nav-link > a {
  color: var(--gold) !important;
  font-size: 0.75rem !important;
  letter-spacing: 0.08em;
  border: 1px solid rgba(201,168,76,0.35);
  border-radius: 2px;
  padding: 6px 12px !important;
}
.beacon-nav-link > a:hover {
  background: rgba(201,168,76,0.1);
  color: var(--gold-light) !important;
}

/* ── RESPONSIVE ─────────────────────────────────────────── */
@media (max-width: 900px) {
  .nav-links { display: none; }
  .nav-toggle { display: flex; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  :root { --section-pad: 60px; }
}
@media (max-width: 640px) {
  .container { padding: 0 20px; }
  .nav-inner { padding: 0 20px; }
}

/* Mobile nav open state */
nav.open .nav-links {
  display: flex;
  flex-direction: column;
  position: fixed;
  top: 72px; left: 0; right: 0;
  background: var(--navy-deep);
  padding: 24px;
  gap: 4px;
  border-bottom: 2px solid var(--gold);
  align-items: flex-start;
}
nav.open .dropdown-menu {
  display: block;
  position: static;
  background: rgba(255,255,255,0.05);
  border: none;
  box-shadow: none;
  padding-left: 12px;
}