/* ===========================================================
   Teo Ko Yong — Financial Advisor
   Classic & trustworthy theme: navy + gold, serif headings
   =========================================================== */

:root {
  --navy: #102a43;
  --navy-deep: #0a1d30;
  --navy-soft: #1c3d5a;
  --gold: #c9a227;
  --gold-soft: #e2c878;
  --ink: #1f2933;
  --slate: #52606d;
  --mist: #f5f7fa;
  --line: #e1e7ec;
  --white: #ffffff;
  --max: 1140px;
  --radius: 8px;
  --shadow: 0 10px 30px rgba(16, 42, 67, 0.08);
  --serif: "Georgia", "Times New Roman", serif;
  --sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--sans);
  color: var(--ink);
  line-height: 1.65;
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: var(--serif);
  color: var(--navy);
  line-height: 1.2;
  margin: 0 0 0.5em;
}

h1 { font-size: clamp(2rem, 4vw, 3rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.25rem); }
h3 { font-size: 1.25rem; }

p { margin: 0 0 1rem; }

a { color: var(--navy-soft); text-decoration: none; }
a:hover { color: var(--gold); }

.container {
  width: 100%;
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 24px;
}

.section { padding: 84px 0; }
.section--mist { background: var(--mist); }
.section__intro { max-width: 720px; margin: 0 auto 48px; text-align: center; }
.eyebrow {
  display: inline-block;
  font-family: var(--sans);
  font-size: 0.78rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 700;
  margin-bottom: 12px;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: 13px 26px;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: 0.97rem;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all 0.2s ease;
}
.btn--gold { background: var(--gold); color: var(--navy-deep); }
.btn--gold:hover { background: var(--gold-soft); color: var(--navy-deep); }
.btn--outline { background: transparent; border-color: var(--white); color: var(--white); }
.btn--outline:hover { background: var(--white); color: var(--navy); }
.btn--navy { background: var(--navy); color: var(--white); }
.btn--navy:hover { background: var(--navy-soft); color: var(--white); }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: saturate(180%) blur(8px);
  border-bottom: 1px solid var(--line);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}
.brand {
  font-family: var(--serif);
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: 0.01em;
  position: relative;
  display: inline-block;
  padding-left: 52px;
}
.brand::before {
  content: "";
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 40px;
  height: 40px;
  background: url("../assets/logo.svg") center / contain no-repeat;
}
.brand span { color: var(--gold); }
.brand small {
  display: block;
  font-family: var(--sans);
  font-size: 0.62rem;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--slate);
  font-weight: 600;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 30px;
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav-links a {
  color: var(--ink);
  font-weight: 500;
  font-size: 0.96rem;
  position: relative;
}
.nav-links a.active, .nav-links a:hover { color: var(--navy); }
.nav-links a.active::after {
  content: "";
  position: absolute;
  left: 0; bottom: -6px;
  width: 100%; height: 2px;
  background: var(--gold);
}
.nav-toggle {
  display: none;
  background: none;
  border: 0;
  font-size: 1.6rem;
  color: var(--navy);
  cursor: pointer;
}

/* Language switch */
.lang-switch {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 0.85rem;
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 5px 12px;
}
.lang-switch a { color: var(--slate); font-weight: 700; }
.lang-switch a:hover { color: var(--gold); }
.lang-switch a.lang-active { color: var(--navy); }
.lang-switch .sep { color: var(--line); }

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(135deg, var(--navy-deep), var(--navy-soft));
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: "";
  position: absolute;
  right: -120px; top: -120px;
  width: 420px; height: 420px;
  background: radial-gradient(circle, rgba(201,162,39,0.22), transparent 70%);
}
.hero .container { position: relative; z-index: 2; }
.hero-inner { padding: 96px 0; max-width: 720px; }
.hero h1 { color: var(--white); }
.hero p.lead { font-size: 1.18rem; color: #d7e2ee; margin-bottom: 32px; }
.hero-cta { display: flex; gap: 16px; flex-wrap: wrap; }
.page-hero { padding: 72px 0; }
.page-hero p.lead { font-size: 1.1rem; color: #d7e2ee; max-width: 640px; }

/* ---------- Trust bar ---------- */
.trustbar {
  background: var(--navy-deep);
  color: #cdd9e5;
  padding: 22px 0;
}
.trustbar .container {
  display: flex;
  justify-content: space-around;
  gap: 24px;
  flex-wrap: wrap;
  text-align: center;
}
.trust-stat strong {
  display: block;
  font-family: var(--serif);
  font-size: 1.9rem;
  color: var(--gold-soft);
}
.trust-stat span { font-size: 0.85rem; letter-spacing: 0.04em; }

/* ---------- Cards / grids ---------- */
.grid { display: grid; gap: 28px; }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--2 { grid-template-columns: repeat(2, 1fr); }

.card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: var(--shadow);
}
.card .icon {
  width: 48px; height: 48px;
  display: grid; place-items: center;
  background: var(--mist);
  border-radius: 50%;
  color: var(--gold);
  margin-bottom: 18px;
  font-size: 1.4rem;
}
.card h3 { color: var(--navy); }
.card ul { margin: 12px 0 0; padding-left: 18px; color: var(--slate); }
.card ul li { margin-bottom: 6px; }
.price { font-family: var(--serif); font-size: 1.5rem; color: var(--navy); margin-top: 8px; }
.price small { font-size: 0.8rem; color: var(--slate); font-family: var(--sans); }

/* ---------- About split ---------- */
.split {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 56px;
  align-items: center;
}
.portrait {
  width: 100%;
  aspect-ratio: 4 / 5;
  border-radius: var(--radius);
  background: linear-gradient(135deg, var(--navy-soft), var(--navy));
  display: grid; place-items: center;
  color: #9fb3c8;
  font-size: 0.9rem;
  text-align: center;
  box-shadow: var(--shadow);
}
.credentials { list-style: none; padding: 0; margin: 18px 0 0; }
.credentials li {
  padding: 10px 0;
  border-bottom: 1px solid var(--line);
  display: flex; gap: 12px; align-items: flex-start;
}
.credentials li::before { content: "✓"; color: var(--gold); font-weight: 700; }

/* ---------- Testimonials ---------- */
.quote {
  background: var(--white);
  border-left: 4px solid var(--gold);
  border-radius: var(--radius);
  padding: 28px 30px;
  box-shadow: var(--shadow);
}
.quote p { font-style: italic; color: var(--ink); font-size: 1.05rem; }
.quote .who { font-style: normal; font-weight: 700; color: var(--navy); margin-top: 10px; }
.quote .who span { display: block; font-weight: 400; color: var(--slate); font-size: 0.88rem; }

/* ---------- Steps ---------- */
.steps { counter-reset: step; }
.step { display: flex; gap: 20px; margin-bottom: 28px; }
.step .num {
  flex: none;
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold-soft);
  font-family: var(--serif);
  font-size: 1.2rem;
  display: grid; place-items: center;
}

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; }
.form-field { margin-bottom: 18px; }
.form-field label {
  display: block;
  font-weight: 600;
  font-size: 0.9rem;
  margin-bottom: 6px;
  color: var(--navy);
}
.form-field input,
.form-field select,
.form-field textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  font-family: inherit;
  font-size: 0.97rem;
  color: var(--ink);
}
.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,162,39,0.15);
}
.contact-detail { display: flex; gap: 14px; margin-bottom: 22px; }
.contact-detail .ic {
  flex: none; width: 42px; height: 42px;
  background: var(--mist); border-radius: 50%;
  display: grid; place-items: center; color: var(--gold); font-size: 1.1rem;
}
.contact-detail strong { display: block; color: var(--navy); }

/* ---------- CTA band ---------- */
.cta-band {
  background: linear-gradient(135deg, var(--navy), var(--navy-soft));
  color: var(--white);
  text-align: center;
  padding: 72px 0;
}
.cta-band h2 { color: var(--white); }
.cta-band p { color: #d7e2ee; max-width: 560px; margin: 0 auto 28px; }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy-deep);
  color: #9fb3c8;
  padding: 56px 0 28px;
  font-size: 0.92rem;
}
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr; gap: 40px; margin-bottom: 36px; }
.site-footer h4 { color: var(--white); font-family: var(--sans); font-size: 0.95rem; letter-spacing: 0.05em; }
.site-footer a { color: #9fb3c8; display: block; padding: 4px 0; }
.site-footer a:hover { color: var(--gold-soft); }
.footer-brand { font-family: var(--serif); font-size: 1.3rem; color: var(--white); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.12);
  padding-top: 20px;
  display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap;
  font-size: 0.82rem;
}
.disclaimer { font-size: 0.78rem; color: #7a8a99; margin-top: 14px; line-height: 1.55; }

/* ---------- Pain points ---------- */
.pain-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
  max-width: 940px;
  margin: 0 auto;
}
.pain {
  background: var(--white);
  border-left: 3px solid var(--gold);
  border-radius: 6px;
  padding: 16px 20px;
  box-shadow: var(--shadow);
  font-size: 0.98rem;
  color: var(--ink);
}
.pain span { color: var(--slate); display: block; font-size: 0.86rem; margin-top: 4px; }

/* ---------- Alongside / advisers row ---------- */
.alongside {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  justify-content: center;
  margin-top: 8px;
}
.alongside li {
  list-style: none;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 9px 18px;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--navy);
}

/* ---------- Community gate ---------- */
.gate {
  max-width: 480px;
  margin: 0 auto;
  text-align: center;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 48px 40px;
}
.gate .lock-ic {
  width: 64px; height: 64px;
  margin: 0 auto 18px;
  display: grid; place-items: center;
  background: var(--mist);
  border-radius: 50%;
  color: var(--gold);
  font-size: 1.8rem;
}
.gate-form { margin-top: 22px; }
.gate-form input {
  width: 100%;
  padding: 14px 16px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  font-family: inherit;
  font-size: 1.05rem;
  text-align: center;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}
.gate-form input:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,162,39,0.15);
}
.gate-form .btn { width: 100%; margin-top: 14px; }
.gate-error { color: #b00020; display: none; font-size: 0.9rem; margin-top: 12px; }
.gate-help { font-size: 0.85rem; color: var(--slate); margin-top: 18px; }

/* ---------- Perk cards ---------- */
.perk { position: relative; }
.perk .tag {
  display: inline-block;
  font-size: 0.7rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--gold);
  background: var(--mist);
  padding: 4px 10px;
  border-radius: 999px;
  margin-bottom: 14px;
}
.perk .offer {
  font-family: var(--serif);
  font-size: 1.15rem;
  color: var(--navy);
  margin: 8px 0;
}
.perk .redeem {
  font-size: 0.85rem;
  color: var(--slate);
  border-top: 1px dashed var(--line);
  padding-top: 12px;
  margin-top: 14px;
}

/* ---------- Responsive ---------- */
/* Collapse the nav to a hamburger early enough that the extra links never crowd */
@media (max-width: 1024px) {
  .nav-toggle { display: block; }
  .nav-links {
    position: absolute;
    top: 76px; left: 0; right: 0;
    flex-direction: column;
    background: var(--white);
    border-bottom: 1px solid var(--line);
    padding: 16px 24px;
    gap: 14px;
    display: none;
  }
  .nav-links.open { display: flex; }
}

@media (max-width: 860px) {
  .grid--3, .grid--2, .contact-grid, .split, .footer-grid, .pain-grid { grid-template-columns: 1fr; }
  .split { gap: 32px; }
  .section { padding: 60px 0; }
  .hero-inner { padding: 64px 0; }
}

/* Small phones */
@media (max-width: 560px) {
  .hero-inner { padding: 52px 0; }
  .page-hero { padding: 52px 0; }
  .hero p.lead, .page-hero p.lead { font-size: 1.05rem; }
  .hero-cta { flex-direction: column; }
  .hero-cta .btn { width: 100%; text-align: center; }
  .trustbar .container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px 12px;
  }
  .trust-stat strong { font-size: 1.5rem; }
  .card { padding: 26px 22px; }
  .gate { padding: 36px 22px; }
  .cta-band { padding: 56px 0; }
  .cta-band .btn { width: 100%; max-width: 320px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; gap: 6px; }
}