/* Pearl Ledger — shared stylesheet */

:root {
  --navy:      #0A1552;
  --navy-mid:  #162275;
  --orange:    #F5820A;
  --white:     #ffffff;
  --bg:        #F8F9FC;
  --text:      #1e293b;
  --muted:     #64748b;
  --border:    #e2e8f0;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  color: var(--text);
  line-height: 1.65;
  background: #fff;
}

img { max-width: 100%; display: block; }
a { color: inherit; }

.container { max-width: 1100px; margin: 0 auto; padding: 0 28px; }
.section    { padding: 80px 0; }
.section-sm { padding: 48px 0; }

h1, h2, h3, h4 { font-weight: 800; letter-spacing: -.4px; line-height: 1.2; }

.label {
  display: inline-block;
  background: rgba(10,21,82,.08); color: var(--navy-mid);
  font-size: .74rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 1px;
  padding: 4px 12px; border-radius: 100px; margin-bottom: 12px;
}
.section-title { font-size: clamp(1.7rem,3.5vw,2.5rem); margin-bottom: 14px; }
.section-sub   { font-size: 1rem; color: var(--muted); max-width: 540px; }

/* BUTTONS */
.btn {
  display: inline-block; text-decoration: none;
  border-radius: 8px; font-weight: 600; font-size: .95rem;
  transition: all .2s; cursor: pointer; border: none;
}
.btn-primary { background: var(--orange); color: #fff; padding: 12px 28px; }
.btn-primary:hover { background: #d97108; transform: translateY(-1px); }
.btn-outline { border: 2px solid var(--navy); color: var(--navy); padding: 11px 28px; }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-white { background: #fff; color: var(--navy); padding: 13px 30px; font-size: 1rem; }
.btn-white:hover { background: #eef0f8; }
.btn-lg { padding: 15px 36px; font-size: 1.05rem; border-radius: 10px; }

/* NAV */
nav {
  position: sticky; top: 0; z-index: 100;
  background: #fff; border-bottom: 1px solid var(--border);
  height: 70px; display: flex; align-items: center;
}
.nav-inner { display: flex; align-items: center; justify-content: space-between; width: 100%; }
.nav-logo  { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.nav-logo-text { font-size: 1.08rem; font-weight: 700; color: var(--navy); letter-spacing: -.2px; }
.nav-links { display: flex; align-items: center; gap: 2rem; list-style: none; }
.nav-links a { text-decoration: none; color: var(--muted); font-size: .9rem; font-weight: 500; transition: color .2s; }
.nav-links a:hover, .nav-links a.active { color: var(--navy); font-weight: 600; }
.nav-links .cta { background: var(--orange); color: #fff !important; padding: 9px 22px; border-radius: 8px; font-weight: 600; }
.nav-links .cta:hover { background: #d97108 !important; }

/* HERO */
.hero {
  background: linear-gradient(140deg, #0A1552 0%, #162275 60%, #0e1c6b 100%);
  padding: 96px 0 80px; color: #fff; text-align: center;
  overflow: hidden; position: relative;
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 80% 60% at 50% 110%, rgba(245,130,10,.2), transparent 65%);
  pointer-events: none;
}
.hero-inner { position: relative; z-index: 1; }
.hero h1 { font-size: clamp(2.2rem,5.5vw,3.8rem); margin-bottom: 20px; }
.hero h1 em { color: var(--orange); font-style: normal; }
.hero p { font-size: 1.1rem; color: rgba(255,255,255,.72); max-width: 520px; margin: 0 auto 38px; }
.hero-btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* PAGE HEADER */
.page-header { background: var(--navy); padding: 56px 0; color: #fff; }
.page-header h1 { font-size: clamp(1.9rem,4vw,2.8rem); margin-bottom: 8px; }
.page-header p  { color: rgba(255,255,255,.65); font-size: 1rem; }

/* CARDS */
.card {
  border: 1px solid var(--border); border-radius: 14px;
  padding: 32px; background: #fff;
  transition: box-shadow .25s, transform .25s;
}
.card:hover { box-shadow: 0 12px 40px rgba(10,21,82,.1); transform: translateY(-3px); }
.card-icon {
  width: 48px; height: 48px; border-radius: 12px;
  background: rgba(10,21,82,.07);
  display: flex; align-items: center; justify-content: center; margin-bottom: 16px;
}
.card-icon svg { width: 24px; height: 24px; fill: var(--navy); }
.card h3 { font-size: 1.05rem; margin-bottom: 8px; }
.card p  { font-size: .9rem; color: var(--muted); line-height: 1.6; }

/* GRIDS */
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; }

/* FEATURE LIST */
.feature-list { list-style: none; display: flex; flex-direction: column; gap: 9px; margin-top: 20px; }
.feature-list li { display: flex; align-items: flex-start; gap: 10px; font-size: .9rem; color: #374151; }
.feature-list li::before { content: '✓'; color: var(--orange); font-weight: 700; flex-shrink: 0; }

/* STATS */
.stats-row {
  display: flex; justify-content: center; gap: 56px; flex-wrap: wrap;
  padding: 40px 0; border-top: 1px solid var(--border); border-bottom: 1px solid var(--border);
}
.stat-num   { font-size: 2.2rem; font-weight: 900; color: var(--navy); }
.stat-num em { color: var(--orange); font-style: normal; }
.stat-label { font-size: .85rem; color: var(--muted); font-weight: 500; }

/* CONTACT */
.contact-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: start; }
.contact-info { display: flex; flex-direction: column; gap: 22px; }
.contact-item { display: flex; gap: 16px; align-items: flex-start; }
.contact-icon {
  width: 44px; height: 44px; border-radius: 10px;
  background: rgba(10,21,82,.07);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.contact-icon svg { width: 20px; height: 20px; fill: var(--navy); }
.contact-item h4 { font-size: .78rem; color: var(--muted); text-transform: uppercase; letter-spacing: .5px; font-weight: 600; margin-bottom: 3px; }
.contact-item p, .contact-item a { font-size: .95rem; text-decoration: none; color: var(--text); }
.contact-item a:hover { color: var(--navy); text-decoration: underline; }
.map-wrap { border-radius: 14px; overflow: hidden; border: 1px solid var(--border); }

/* LEGAL */
.legal-layout { display: grid; grid-template-columns: 200px 1fr; gap: 56px; align-items: start; }
.legal-nav { position: sticky; top: 88px; }
.legal-nav ul { list-style: none; display: flex; flex-direction: column; gap: 2px; }
.legal-nav a {
  display: block; text-decoration: none; color: var(--muted);
  font-size: .88rem; padding: 6px 12px; border-radius: 6px; transition: all .15s;
}
.legal-nav a:hover, .legal-nav a.active { background: rgba(10,21,82,.06); color: var(--navy); }
.legal-content h2 { font-size: 1.3rem; font-weight: 800; margin: 36px 0 12px; color: var(--navy); }
.legal-content h2:first-child { margin-top: 0; }
.legal-content h3 { font-size: 1rem; font-weight: 700; margin: 22px 0 8px; }
.legal-content p  { font-size: .93rem; color: #374151; margin-bottom: 14px; }
.legal-content ul { margin: 0 0 14px 18px; }
.legal-content ul li { font-size: .93rem; color: #374151; margin-bottom: 6px; }
.legal-meta { font-size: .82rem; color: var(--muted); margin-bottom: 36px; padding-bottom: 24px; border-bottom: 1px solid var(--border); }

/* BG VARIANTS */
.bg-light { background: var(--bg); }
.bg-navy  { background: var(--navy); color: #fff; }
.bg-navy .label { background: rgba(255,255,255,.12); color: rgba(255,255,255,.8); }
.bg-navy .section-title { color: #fff; }
.bg-navy .section-sub   { color: rgba(255,255,255,.65); }
.bg-navy .card  { background: rgba(255,255,255,.06); border-color: rgba(255,255,255,.1); color: #fff; }
.bg-navy .card p  { color: rgba(255,255,255,.6); }
.bg-navy .card h3 { color: #fff; }
.bg-navy .card-icon { background: rgba(245,130,10,.2); }
.bg-navy .card-icon svg { fill: var(--orange); }

/* FOOTER */
footer { background: var(--navy); color: rgba(255,255,255,.7); padding: 64px 0 36px; }
.footer-grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px; margin-bottom: 48px;
}
.footer-logo-row { display: flex; align-items: center; gap: 10px; margin-bottom: 14px; }
.footer-logo-row span { font-size: 1rem; font-weight: 700; color: #fff; }
.footer-brand-desc { font-size: .87rem; line-height: 1.7; max-width: 280px; }
.footer-col h5 { font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; color: rgba(255,255,255,.4); margin-bottom: 14px; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.footer-col a { text-decoration: none; color: rgba(255,255,255,.65); font-size: .88rem; transition: color .2s; }
.footer-col a:hover { color: #fff; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08); padding-top: 28px;
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 8px;
}
.footer-bottom p { font-size: .82rem; }

/* RESPONSIVE */
@media (max-width: 960px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .grid-2 { grid-template-columns: 1fr; }
  .grid-3 { grid-template-columns: 1fr 1fr; }
  .contact-layout { grid-template-columns: 1fr; }
  .legal-layout { grid-template-columns: 1fr; }
  .legal-nav { display: none; }
}
@media (max-width: 640px) {
  .footer-grid { grid-template-columns: 1fr; }
  .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .nav-links { display: none; }
  .stats-row { gap: 32px; }
  .section { padding: 56px 0; }
}