/* =========================================
   Opal Specialist Finance: Shared Stylesheet
   ========================================= */

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

:root {
  --navy:       #0f1e35;
  --navy-mid:   #162840;
  --navy-light: #1e3654;
  --teal:       #0d9488;
  --teal-light: #14b8a6;
  --teal-pale:  #ccfbf1;
  --white:      #ffffff;
  --off-white:  #f8fafb;
  --grey-light: #e4eaf2;
  --grey-mid:   #94a3b8;
  --text:       #1e293b;
  --text-light: #475569;
  --font:       'Segoe UI', system-ui, -apple-system, BlinkMacSystemFont, sans-serif;
  --radius:     8px;
  --shadow:     0 4px 24px rgba(15, 30, 53, 0.10);
  --shadow-lg:  0 8px 40px rgba(15, 30, 53, 0.16);
  --max-width:  1100px;
  --transition: 0.2s ease;
}

html { scroll-behavior: smooth; }
body { font-family: var(--font); color: var(--text); background: var(--white); line-height: 1.6; font-size: 16px; }
img  { max-width: 100%; display: block; }
a    { color: var(--teal); text-decoration: none; }
a:hover { color: var(--teal-light); }

/* --- Typography --- */
h1, h2, h3, h4 { color: var(--navy); line-height: 1.25; font-weight: 700; overflow-wrap: anywhere; }
h1 { font-size: clamp(2rem, 5vw, 3rem); }
h2 { font-size: clamp(1.5rem, 3.5vw, 2.1rem); }
h3 { font-size: clamp(1.05rem, 2.5vw, 1.3rem); }
p  { margin-bottom: 1rem; color: var(--text-light); }
p:last-child { margin-bottom: 0; }

/* --- Layout --- */
.container   { max-width: var(--max-width); margin: 0 auto; padding: 0 1.5rem; }
.section     { padding: 5rem 0; }
.section--alt { background: var(--off-white); }
.section--dark { background: var(--navy); }
.section--dark h2, .section--dark h3 { color: var(--white); }
.section--dark p { color: rgba(255,255,255,0.72); }

/* --- Nav --- */
.nav { background: var(--white); position: sticky; top: 0; z-index: 100; border-bottom: 1px solid var(--grey-light); box-shadow: 0 2px 16px rgba(15, 30, 53, 0.07); }
.nav__inner { display: flex; align-items: center; justify-content: space-between; padding: 0.75rem 1.5rem; max-width: var(--max-width); margin: 0 auto; }
.nav__logo { display: flex; align-items: center; }
.nav__logo-img { height: 78px; width: auto; display: block; }
.nav__links { display: flex; align-items: center; gap: 2rem; list-style: none; }
.nav__links a { color: var(--text-light); font-size: 0.9rem; font-weight: 500; transition: color var(--transition); }
.nav__links a:hover, .nav__links a.current { color: var(--navy); }
.nav__links a.current { border-bottom: 2px solid var(--teal); padding-bottom: 2px; }
.nav__cta { background: var(--teal) !important; color: var(--white) !important; font-weight: 700 !important; padding: 0.5rem 1.25rem; border-radius: var(--radius); transition: background var(--transition) !important; border-bottom: none !important; }
.nav__cta:hover { background: var(--teal-light) !important; }
.nav__hamburger { display: none; background: none; border: none; cursor: pointer; padding: 0.25rem; }
.nav__hamburger span { display: block; width: 24px; height: 2px; background: var(--navy); margin: 5px 0; border-radius: 2px; }
.nav__mobile { display: none; flex-direction: column; background: var(--white); border-top: 1px solid var(--grey-light); padding: 1rem 1.5rem 1.5rem; }
.nav__mobile a { color: var(--text-light); padding: 0.65rem 0; border-bottom: 1px solid var(--grey-light); font-size: 0.95rem; }
.nav__mobile a:last-child { border-bottom: none; }
.nav__mobile.open { display: flex; }

/* --- Buttons --- */
.btn { display: inline-block; padding: 0.85rem 2rem; border-radius: var(--radius); font-weight: 700; font-size: 1rem; cursor: pointer; transition: all var(--transition); border: 2px solid transparent; line-height: 1; }
.btn--primary { background: var(--teal); color: var(--white); }
.btn--primary:hover { background: var(--teal-light); color: var(--white); transform: translateY(-1px); box-shadow: 0 4px 16px rgba(13, 148, 136, 0.4); }
.btn--outline { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.5); }
.btn--outline:hover { border-color: var(--white); background: rgba(255,255,255,0.08); color: var(--white); }
.btn--outline-dark { background: transparent; color: var(--teal); border-color: var(--teal); }
.btn--outline-dark:hover { background: var(--teal); color: var(--white); }
.btn--lg { padding: 1.1rem 2.5rem; font-size: 1.05rem; }

/* --- Hero --- */
.hero { background: var(--navy) url('/images/hero-birlo.jpg') center 46% / cover no-repeat; padding: 6rem 0 5rem; position: relative; overflow: hidden; }
.hero::before { content: ''; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(15,30,53,0.97) 0%, rgba(15,30,53,0.90) 42%, rgba(15,30,53,0.54) 72%, rgba(15,30,53,0.34) 100%); }
.hero::after { content: ''; position: absolute; bottom: -1px; left: -5%; width: 110%; height: 61px; background: var(--white); border-radius: 50% 50% 0 0 / 100% 100% 0 0; }
.hero .container { position: relative; z-index: 1; }
.hero__eyebrow { display: inline-block; background: rgba(13,148,136,0.22); color: #5eead4; font-size: 0.78rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; padding: 0.4rem 1rem; border-radius: 100px; margin-bottom: 1.5rem; border: 1px solid rgba(94,234,212,0.45); }
.hero h1 { color: var(--white); margin-bottom: 1.25rem; max-width: 720px; text-shadow: 0 2px 18px rgba(15,30,53,0.35); }
.hero h1 span { color: #5eead4; }
.hero p { color: rgba(255,255,255,0.88); font-size: 1.1rem; margin-bottom: 2rem; max-width: 580px; }
.hero__actions { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 3rem; }
.hero__trust { display: flex; align-items: center; gap: 2rem; flex-wrap: wrap; padding-bottom: 25px; }
.hero__trust-item { display: flex; align-items: center; gap: 0.5rem; color: rgba(255,255,255,0.82); font-size: 0.875rem; }

/* --- Page Hero (inner) --- */
.page-hero { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%); padding: 4rem 0 3rem; text-align: center; }
.page-hero h1 { color: var(--white); margin-bottom: 0.75rem; }
.page-hero p  { color: rgba(255,255,255,0.75); font-size: 1.1rem; max-width: 600px; margin: 0 auto; }
.breadcrumb { display: flex; align-items: center; justify-content: center; gap: 0.5rem; font-size: 0.85rem; color: rgba(255,255,255,0.5); margin-bottom: 1.25rem; }
.breadcrumb a { color: var(--teal-light); }
.breadcrumb span { color: rgba(255,255,255,0.3); }

/* --- Section header --- */
.section-header { text-align: center; max-width: 640px; margin: 0 auto; }
.section-header .eyebrow { display: inline-block; font-size: 0.78rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--teal); margin-bottom: 0.75rem; }
.section-header h2 { margin-bottom: 1rem; }

/* --- Cards --- */
.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 1.5rem; margin-top: 3rem; }

/* Reusable two-column editorial rows. Keep the breakpoint in CSS, not inline,
   so a single-column mobile layout cannot be overridden by page markup. */
.content-split { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 4rem; align-items: center; }
.content-split > * { min-width: 0; }
.content-split--start { align-items: start; }
.card { background: var(--white); border: 1px solid var(--grey-light); border-radius: calc(var(--radius) * 1.5); padding: 2rem; box-shadow: var(--shadow); transition: transform var(--transition), box-shadow var(--transition); }
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.card__icon { width: 48px; height: 48px; background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%); border-radius: var(--radius); display: flex; align-items: center; justify-content: center; margin-bottom: 1.25rem; }
.card__icon .icon { width: 22px; height: 22px; color: var(--white); }
.card h3 { margin-bottom: 0.5rem; }
.card p  { font-size: 0.95rem; }

/* --- Steps --- */
.steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 2rem; margin-top: 3rem; counter-reset: step; }
.step { text-align: center; }
.step::before { counter-increment: step; content: counter(step); display: flex; align-items: center; justify-content: center; width: 52px; height: 52px; background: var(--teal); color: var(--white); border-radius: 50%; font-weight: 800; font-size: 1.2rem; margin: 0 auto 1.25rem; }
.step h3 { margin-bottom: 0.5rem; }
.step p   { font-size: 0.9rem; }

/* --- CTA Band --- */
.cta-band { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%); padding: 4rem 0; text-align: center; }
.cta-band h2 { color: var(--white); margin-bottom: 0.75rem; }
.cta-band p  { color: rgba(255,255,255,0.75); margin-bottom: 2rem; font-size: 1.05rem; }

/* --- Contact --- */
.contact-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 4rem; align-items: start; }
.contact-info__item { display: flex; align-items: flex-start; gap: 1rem; margin-bottom: 1.5rem; }
.contact-info__icon { width: 44px; height: 44px; background: linear-gradient(135deg, var(--navy), var(--navy-light)); border-radius: var(--radius); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.contact-info__icon .icon { width: 20px; height: 20px; color: var(--white); }
.contact-info__label { font-size: 0.78rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--grey-mid); margin-bottom: 0.25rem; }
.contact-info__value { font-weight: 600; color: var(--navy); font-size: 1rem; }
.contact-info__value a { color: var(--navy); }
.contact-info__value a:hover { color: var(--teal); }

/* --- Form --- */
.form-wrapper { background: var(--white); border-radius: calc(var(--radius) * 2); padding: 2.5rem; box-shadow: var(--shadow-lg); border: 1px solid var(--grey-light); }
.form-group { margin-bottom: 1.5rem; }
.form-group label { display: block; font-weight: 600; color: var(--navy); margin-bottom: 0.5rem; font-size: 0.9rem; }
.form-group label .required { color: var(--teal); margin-left: 2px; }
.form-group input, .form-group select, .form-group textarea { width: 100%; padding: 0.85rem 1rem; border: 1.5px solid var(--grey-light); border-radius: var(--radius); font-size: 1rem; font-family: var(--font); color: var(--text); background: var(--white); transition: border-color var(--transition), box-shadow var(--transition); -webkit-appearance: none; }
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { outline: none; border-color: var(--teal); box-shadow: 0 0 0 3px rgba(13,148,136,0.1); }
.form-group textarea { min-height: 120px; resize: vertical; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form-disclaimer { font-size: 0.8rem; color: var(--grey-mid); margin-top: 1rem; text-align: center; line-height: 1.5; }
.form-honeypot { position: absolute !important; left: -10000px !important; width: 1px !important; height: 1px !important; overflow: hidden !important; }
.form-status { min-height: 1.5rem; margin-top: 0.75rem; font-size: 0.875rem; font-weight: 600; text-align: center; }
.form-status--error { color: #b42318; }

/* --- Disclaimer box --- */
.disclaimer-box { background: var(--off-white); border: 1px solid var(--grey-light); border-left: 4px solid var(--teal); border-radius: var(--radius); padding: 1.5rem; margin-top: 2rem; }
.disclaimer-box p { font-size: 0.85rem; color: var(--text-light); margin-bottom: 0.5rem; }
.disclaimer-box p:last-child { margin-bottom: 0; }

/* --- Stat blocks --- */
.stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 1.5rem; margin-top: 3rem; }
.stat { text-align: center; padding: 2rem; background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.1); border-radius: calc(var(--radius) * 1.5); }
.stat__number { font-size: 2.2rem; font-weight: 800; color: var(--teal-light); line-height: 1; margin-bottom: 0.5rem; }
.stat__label  { font-size: 0.875rem; color: rgba(255,255,255,0.65); }

/* --- Footer --- */
.footer { background: var(--navy); color: rgba(255,255,255,0.6); padding: 3rem 0 1.5rem; font-size: 0.875rem; }
.footer__inner { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 3rem; margin-bottom: 2rem; }
.footer__brand { margin-bottom: 1rem; }
.footer__brand-badge { display: inline-flex; align-items: center; background: var(--white); padding: 0.5rem 0.9rem; border-radius: var(--radius); }
.footer__brand-img { height: 40px; width: auto; display: block; }
.footer p { font-size: 0.85rem; }
.footer__heading { color: var(--white); font-weight: 700; font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 1rem; }
.footer ul { list-style: none; }
.footer ul li { margin-bottom: 0.5rem; }
.footer ul a { color: rgba(255,255,255,0.6); font-size: 0.875rem; transition: color var(--transition); }
.footer ul a:hover { color: var(--white); }
.footer__bottom { border-top: 1px solid rgba(255,255,255,0.08); padding-top: 1.5rem; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 0.5rem; font-size: 0.8rem; }
.footer__disclaimer { margin-top: 1.5rem; padding-top: 1.5rem; border-top: 1px solid rgba(255,255,255,0.06); font-size: 0.78rem; color: rgba(255,255,255,0.35); line-height: 1.6; }
.footer__disclaimer p { margin-bottom: 0.75rem; }
.footer__disclaimer p:last-child { margin-bottom: 0; }

/* --- Icons (Font Awesome Free, inline SVG, see /ICON-ATTRIBUTION.md) --- */
.icon { width: 1em; height: 1em; flex-shrink: 0; vertical-align: -0.125em; }
.icon--teal { color: var(--teal); }
.icon--teal-light { color: var(--teal-light); }
.icon--white { color: var(--white); }

/* --- Privacy notice --- */
.privacy-notice {
  position: fixed;
  z-index: 1000;
  right: 1.25rem;
  bottom: 1.25rem;
  left: 1.25rem;
  transform: translateY(calc(100% + 2rem));
  opacity: 0;
  visibility: hidden;
  transition: transform 420ms cubic-bezier(0.22, 1, 0.36, 1), opacity 280ms ease, visibility 0s linear 420ms;
  pointer-events: none;
}
.privacy-notice.is-visible {
  transform: translateY(0);
  opacity: 1;
  visibility: visible;
  transition-delay: 0s;
  pointer-events: auto;
}
.privacy-notice.is-leaving {
  transform: translateY(calc(100% + 2rem));
  opacity: 0;
  pointer-events: none;
}
.privacy-notice__inner {
  width: min(100%, 980px);
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 1rem 1.1rem;
  color: var(--white);
  background: rgba(15, 30, 53, 0.97);
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: 14px;
  box-shadow: 0 18px 50px rgba(15,30,53,0.3);
  backdrop-filter: blur(12px);
}
.privacy-notice__icon {
  display: grid;
  width: 2.5rem;
  height: 2.5rem;
  flex: 0 0 2.5rem;
  place-items: center;
  color: var(--teal-light);
  background: rgba(45,212,191,0.12);
  border-radius: 50%;
  font-size: 1.1rem;
}
.privacy-notice p { flex: 1; margin: 0; color: rgba(255,255,255,0.82); font-size: 0.9rem; line-height: 1.55; }
.privacy-notice strong { color: var(--white); }
.privacy-notice a { color: var(--teal-light); font-weight: 700; text-decoration: underline; text-underline-offset: 0.16em; }
.privacy-notice a:hover { color: var(--white); }
.privacy-notice__button {
  flex: 0 0 auto;
  min-height: 42px;
  padding: 0.65rem 1.1rem;
  border: 0;
  border-radius: 8px;
  color: var(--navy);
  background: var(--teal-light);
  font: inherit;
  font-size: 0.875rem;
  font-weight: 800;
  cursor: pointer;
  transition: background var(--transition), transform var(--transition);
}
.privacy-notice__button:hover { background: var(--white); transform: translateY(-1px); }
.privacy-notice__button:focus-visible { outline: 3px solid var(--white); outline-offset: 3px; }

/* --- Utility --- */
.text-center { text-align: center; }
.mt-1 { margin-top: 1rem; }
.mt-2 { margin-top: 2rem; }
.mt-3 { margin-top: 3rem; }
.badge { display: inline-block; background: var(--teal-pale); color: var(--teal); border: 1px solid rgba(13,148,136,0.2); padding: 0.3rem 0.75rem; border-radius: 100px; font-size: 0.78rem; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; }

/* --- Responsive --- */
@media (max-width: 768px) {
  .nav__links { display: none; }
  .nav__hamburger { display: block; }
  .nav__logo-img { height: 60px; }
  .hero { padding: 4rem 0 4rem; background-position: 62% center; }
  .hero::before { background: linear-gradient(90deg, rgba(15,30,53,0.97) 0%, rgba(15,30,53,0.88) 62%, rgba(15,30,53,0.66) 100%); }
  .section { padding: 3.5rem 0; }
  .cards { grid-template-columns: 1fr; }
  .content-split { grid-template-columns: 1fr; gap: 2rem; }
  .steps { grid-template-columns: 1fr 1fr; }
  .footer__inner { grid-template-columns: 1fr; gap: 2rem; }
  .footer__bottom { flex-direction: column; text-align: center; }
  .contact-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
  .steps { grid-template-columns: 1fr; }
  .hero__actions { flex-direction: column; }
  .privacy-notice { right: 0.75rem; bottom: 0.75rem; left: 0.75rem; }
  .privacy-notice__inner { align-items: flex-start; flex-wrap: wrap; gap: 0.75rem; padding: 0.9rem; }
  .privacy-notice__icon { width: 2.25rem; height: 2.25rem; flex-basis: 2.25rem; }
  .privacy-notice p { flex-basis: calc(100% - 3rem); }
  .privacy-notice__button { width: 100%; }
}

@media (prefers-reduced-motion: reduce) {
  .privacy-notice,
  .privacy-notice.is-visible,
  .privacy-notice.is-leaving { transition-duration: 1ms; }
}