/* =============================================
   NTX Financial Advisor — Master Stylesheet
   Palette: Navy #0d2b5e | White #ffffff | Gold #c9a84c
   ============================================= */

:root {
  --navy: #0d2b5e;
  --navy-dark: #081d42;
  --navy-light: #1a3f7a;
  --gold: #c9a84c;
  --gold-light: #e0c47a;
  --white: #ffffff;
  --off-white: #f7f8fc;
  --gray-light: #e8ecf2;
  --gray-mid: #8a96a8;
  --gray-text: #3d4a5c;
  --font-sans: 'Segoe UI', 'Helvetica Neue', Arial, sans-serif;
  --shadow-sm: 0 2px 8px rgba(13,43,94,0.08);
  --shadow-md: 0 6px 24px rgba(13,43,94,0.13);
  --shadow-lg: 0 12px 40px rgba(13,43,94,0.18);
  --radius: 8px;
  --radius-lg: 16px;
  --transition: all 0.25s ease;
}

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

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font-sans);
  color: var(--gray-text);
  background: var(--white);
  line-height: 1.7;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy); text-decoration: none; transition: var(--transition); }
a:hover { color: var(--gold); }

/* ---- Typography ---- */
h1, h2, h3, h4, h5 {
  color: var(--navy);
  font-weight: 700;
  line-height: 1.25;
  margin-bottom: 0.75rem;
}
h1 { font-size: clamp(2rem, 5vw, 3.25rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); }
h4 { font-size: 1.15rem; }
p { margin-bottom: 1rem; }

.gold { color: var(--gold); }
.section-label {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.75rem;
}

/* ---- Layout ---- */
.container {
  width: 100%;
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 1.5rem;
}
section { padding: 80px 0; }
.section-dark { background: var(--navy); color: var(--white); }
.section-dark h1, .section-dark h2, .section-dark h3, .section-dark h4 { color: var(--white); }
.section-dark p, .section-dark li { color: rgba(255,255,255,0.88); }
.section-alt { background: var(--off-white); }

/* ---- Navigation ---- */
nav.main-nav {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--navy);
  box-shadow: var(--shadow-md);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 1.5rem;
  height: 70px;
  max-width: 1160px;
  margin: 0 auto;
}
.nav-logo {
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.02em;
}
.nav-logo span { color: var(--gold); }
.nav-links {
  display: flex;
  align-items: center;
  gap: 2rem;
  list-style: none;
}
.nav-links a {
  color: rgba(255,255,255,0.9);
  font-size: 0.9rem;
  font-weight: 600;
  letter-spacing: 0.02em;
}
.nav-links a:hover { color: var(--gold); }
.nav-cta {
  background: var(--gold);
  color: var(--navy) !important;
  padding: 0.55rem 1.25rem;
  border-radius: var(--radius);
  font-weight: 700 !important;
}
.nav-cta:hover { background: var(--gold-light) !important; color: var(--navy) !important; }

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.5rem;
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  margin: 5px 0;
  transition: var(--transition);
}

/* ---- Buttons ---- */
.btn {
  display: inline-block;
  padding: 0.85rem 2rem;
  border-radius: var(--radius);
  font-weight: 700;
  font-size: 1rem;
  cursor: pointer;
  transition: var(--transition);
  border: 2px solid transparent;
  text-align: center;
}
.btn-primary {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}
.btn-primary:hover {
  background: var(--gold-light);
  color: var(--navy);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.7);
}
.btn-outline:hover {
  background: var(--white);
  color: var(--navy);
  border-color: var(--white);
}
.btn-navy {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-navy:hover {
  background: var(--navy-dark);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

/* ---- Hero ---- */
.hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 50%, var(--navy-light) 100%);
  color: var(--white);
  padding: 100px 0 80px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -40%;
  right: -10%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(201,168,76,0.12) 0%, transparent 70%);
  pointer-events: none;
}
.hero-content { max-width: 740px; }
.hero h1 { color: var(--white); margin-bottom: 1.25rem; }
.hero h1 em { font-style: normal; color: var(--gold); }
.hero-sub {
  font-size: clamp(1.05rem, 2vw, 1.25rem);
  color: rgba(255,255,255,0.88);
  margin-bottom: 2rem;
  max-width: 600px;
}
.hero-actions { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 2.5rem; }
.hero-trust {
  display: flex;
  gap: 1.5rem;
  flex-wrap: wrap;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255,255,255,0.15);
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.88rem;
  color: rgba(255,255,255,0.85);
  font-weight: 600;
}
.trust-item::before {
  content: '✓';
  display: inline-flex;
  width: 20px;
  height: 20px;
  background: var(--gold);
  color: var(--navy);
  border-radius: 50%;
  align-items: center;
  justify-content: center;
  font-size: 0.7rem;
  font-weight: 800;
  flex-shrink: 0;
}

/* ---- Trust Badges ---- */
.trust-badges {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1.5rem;
}
.badge-card {
  background: var(--white);
  border: 2px solid var(--gray-light);
  border-radius: var(--radius-lg);
  padding: 1.75rem 1.5rem;
  text-align: center;
  transition: var(--transition);
}
.badge-card:hover {
  border-color: var(--gold);
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}
.badge-icon {
  font-size: 2.2rem;
  margin-bottom: 0.75rem;
}
.badge-card h4 { color: var(--navy); font-size: 1rem; margin-bottom: 0.4rem; }
.badge-card p { font-size: 0.88rem; color: var(--gray-mid); margin: 0; }

/* ---- Services Grid ---- */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.75rem;
}
.service-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem 1.75rem;
  border: 1px solid var(--gray-light);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 4px;
  height: 100%;
  background: var(--gold);
  transform: scaleY(0);
  transform-origin: bottom;
  transition: var(--transition);
}
.service-card:hover::before { transform: scaleY(1); }
.service-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}
.service-icon { font-size: 2rem; margin-bottom: 1rem; }
.service-card h3 { font-size: 1.2rem; margin-bottom: 0.6rem; }
.service-card p { font-size: 0.92rem; color: var(--gray-mid); margin: 0; }
.service-card a.learn-more {
  display: inline-block;
  margin-top: 1rem;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--gold);
}

/* ---- Cities Grid ---- */
.cities-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(160px, 1fr));
  gap: 1rem;
}
.city-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
  color: var(--white);
  font-weight: 600;
  font-size: 0.92rem;
  transition: var(--transition);
}
.city-card:hover {
  background: rgba(201,168,76,0.18);
  border-color: var(--gold);
  color: var(--gold);
  transform: translateX(4px);
}
.city-card::after { content: '→'; }

/* ---- Process Steps ---- */
.steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 2rem; }
.step { text-align: center; }
.step-num {
  width: 56px;
  height: 56px;
  background: var(--gold);
  color: var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  font-weight: 800;
  margin: 0 auto 1.25rem;
}
.step h4 { margin-bottom: 0.5rem; }
.step p { font-size: 0.92rem; }

/* ---- Contact Form ---- */
.contact-form-wrap {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow-lg);
}
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
}
.form-full { grid-column: 1 / -1; }
.form-group { display: flex; flex-direction: column; gap: 0.4rem; }
.form-group label {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: 0.02em;
}
.form-group input,
.form-group select,
.form-group textarea {
  padding: 0.8rem 1rem;
  border: 1.5px solid var(--gray-light);
  border-radius: var(--radius);
  font-family: var(--font-sans);
  font-size: 0.95rem;
  color: var(--gray-text);
  transition: var(--transition);
  background: var(--off-white);
  width: 100%;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--navy);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(13,43,94,0.1);
}
.form-group textarea { resize: vertical; min-height: 120px; }
.form-submit { margin-top: 0.5rem; width: 100%; }

.form-disclaimer {
  font-size: 0.8rem;
  color: var(--gray-mid);
  margin-top: 0.75rem;
  text-align: center;
}

/* ---- CTA Section ---- */
.cta-section {
  background: linear-gradient(135deg, var(--navy-dark), var(--navy));
  color: var(--white);
  text-align: center;
  padding: 80px 0;
}
.cta-section h2 { color: var(--white); margin-bottom: 1rem; }
.cta-section p { color: rgba(255,255,255,0.85); margin-bottom: 2rem; font-size: 1.1rem; }

/* ---- Blog Cards ---- */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.75rem;
}
.blog-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--gray-light);
  transition: var(--transition);
}
.blog-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.blog-card-header {
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  padding: 1.5rem;
  color: var(--white);
}
.blog-tag {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.5rem;
}
.blog-card-header h3 { color: var(--white); font-size: 1.05rem; }
.blog-card-body { padding: 1.5rem; }
.blog-card-body p { font-size: 0.92rem; color: var(--gray-mid); margin-bottom: 1rem; }
.read-more { font-size: 0.88rem; font-weight: 700; color: var(--navy); }
.read-more:hover { color: var(--gold); }

/* ---- Footer ---- */
footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.8);
  padding: 60px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 2.5rem;
  margin-bottom: 3rem;
}
.footer-brand p {
  font-size: 0.9rem;
  margin: 1rem 0;
  color: rgba(255,255,255,0.7);
  max-width: 280px;
}
.footer-logo {
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--white);
}
.footer-logo span { color: var(--gold); }
.footer-col h5 {
  color: var(--white);
  font-size: 0.85rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 1rem;
  font-weight: 700;
}
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 0.6rem; }
.footer-col ul a {
  color: rgba(255,255,255,0.65);
  font-size: 0.9rem;
  transition: var(--transition);
}
.footer-col ul a:hover { color: var(--gold); }
.footer-contact a {
  color: rgba(255,255,255,0.65);
  font-size: 0.9rem;
  display: block;
  margin-bottom: 0.5rem;
}
.footer-contact a:hover { color: var(--gold); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 1.5rem 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
}
.footer-bottom p { font-size: 0.82rem; color: rgba(255,255,255,0.5); margin: 0; }
.footer-disc {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.4);
  margin-top: 1.5rem;
  line-height: 1.5;
}

/* ---- Page Hero (inner pages) ---- */
.page-hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  padding: 70px 0 60px;
  color: var(--white);
}
.page-hero h1 { color: var(--white); margin-bottom: 0.75rem; }
.page-hero .breadcrumb {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.6);
  margin-bottom: 1rem;
}
.page-hero .breadcrumb a { color: var(--gold); }
.page-hero p { color: rgba(255,255,255,0.85); font-size: 1.1rem; max-width: 600px; margin: 0; }

/* ---- City Page Specifics ---- */
.city-highlights {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1.5rem;
  margin: 2rem 0;
}
.highlight-card {
  background: var(--off-white);
  border-left: 4px solid var(--gold);
  padding: 1.25rem 1.5rem;
  border-radius: 0 var(--radius) var(--radius) 0;
}
.highlight-card h4 { color: var(--navy); font-size: 0.95rem; margin-bottom: 0.3rem; }
.highlight-card p { font-size: 0.88rem; color: var(--gray-mid); margin: 0; }

.city-related-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 1rem;
}
.city-link-pill {
  display: inline-block;
  padding: 0.45rem 1rem;
  background: var(--off-white);
  border: 1px solid var(--gray-light);
  border-radius: 100px;
  font-size: 0.85rem;
  color: var(--navy);
  font-weight: 600;
  transition: var(--transition);
}
.city-link-pill:hover {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}

/* ---- Two-column layout ---- */
.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: start;
}
.two-col-sticky { position: sticky; top: 90px; }
@media (max-width: 768px) {
  .two-col { grid-template-columns: 1fr; }
  .two-col-sticky { position: static; }
}

/* ---- Testimonial / Stats ---- */
.stats-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 1.5rem;
  text-align: center;
}
.stat-item { }
.stat-num {
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 0.4rem;
}
.stat-label { font-size: 0.88rem; color: rgba(255,255,255,0.75); }

/* ---- Blog Post ---- */
.blog-post-content {
  max-width: 780px;
  margin: 0 auto;
}
.blog-post-content h2 { margin-top: 2.5rem; margin-bottom: 1rem; }
.blog-post-content h3 { margin-top: 2rem; margin-bottom: 0.75rem; }
.blog-post-content ul, .blog-post-content ol {
  padding-left: 1.5rem;
  margin-bottom: 1rem;
}
.blog-post-content li { margin-bottom: 0.5rem; }
.blog-meta {
  display: flex;
  gap: 1.5rem;
  font-size: 0.85rem;
  color: var(--gray-mid);
  margin-bottom: 2rem;
  flex-wrap: wrap;
}

/* ---- Services Detail ---- */
.service-detail {
  padding: 2.5rem;
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-light);
  margin-bottom: 2rem;
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: 1.5rem;
}
.service-detail-icon {
  width: 64px;
  height: 64px;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.8rem;
  flex-shrink: 0;
}
@media (max-width: 600px) {
  .service-detail { grid-template-columns: 1fr; }
  .service-detail-icon { width: 48px; height: 48px; font-size: 1.4rem; }
}

/* ---- Accordion (FAQ) ---- */
.faq-item {
  border-bottom: 1px solid var(--gray-light);
  padding: 1.25rem 0;
}
.faq-q {
  font-weight: 700;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}
.faq-a { font-size: 0.93rem; color: var(--gray-text); margin-top: 0.75rem; }

/* ---- Utility ---- */
.text-center { text-align: center; }
.mb-0 { margin-bottom: 0; }
.mb-1 { margin-bottom: 0.5rem; }
.mb-2 { margin-bottom: 1rem; }
.mb-3 { margin-bottom: 1.5rem; }
.mb-4 { margin-bottom: 2rem; }
.mb-6 { margin-bottom: 3rem; }
.mt-2 { margin-top: 1rem; }
.mt-4 { margin-top: 2rem; }
.divider {
  height: 1px;
  background: var(--gray-light);
  margin: 2rem 0;
}

/* ---- Mobile Nav ---- */
@media (max-width: 820px) {
  .nav-links {
    display: none;
    position: absolute;
    top: 70px;
    left: 0;
    right: 0;
    background: var(--navy-dark);
    flex-direction: column;
    padding: 1.5rem;
    gap: 0;
    border-top: 1px solid rgba(255,255,255,0.1);
  }
  .nav-links.open { display: flex; }
  .nav-links li { width: 100%; }
  .nav-links a {
    display: block;
    padding: 0.85rem 0;
    border-bottom: 1px solid rgba(255,255,255,0.08);
    font-size: 1rem;
  }
  .nav-links .nav-cta {
    margin-top: 0.75rem;
    text-align: center;
    padding: 0.75rem;
    border-radius: var(--radius);
    border: none;
  }
  .nav-toggle { display: block; }
  nav.main-nav { position: relative; }
}

/* ---- Responsive ---- */
@media (max-width: 900px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
}
@media (max-width: 600px) {
  section { padding: 60px 0; }
  .footer-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .form-full { grid-column: 1; }
  .hero { padding: 70px 0 60px; }
  .hero-actions { flex-direction: column; }
  .btn { width: 100%; text-align: center; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .contact-form-wrap { padding: 1.5rem; }
}

/* ---- Print ---- */
@media print {
  nav, .cta-section, footer { display: none; }
}