/* Merit Financial Services - Global Styles */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700&display=swap');

:root {
  --navy: #1A365D;
  --gold: #C9A84C;
  --gold-light: #D4B96A;
  --gold-dark: #B8943F;
  --slate: #2D3748;
  --cloud: #F7FAFC;
  --white: #FFFFFF;
  --gray-100: #F7FAFC;
  --gray-200: #EDF2F7;
  --gray-300: #E2E8F0;
  --gray-400: #CBD5E0;
  --gray-500: #A0AEC0;
  --gray-600: #718096;
  --gray-700: #4A5568;
  --gray-800: #2D3748;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.1);
  --shadow-md: 0 4px 14px rgba(0,0,0,0.1);
  --shadow-lg: 0 10px 30px rgba(0,0,0,0.12);
  --shadow-xl: 0 20px 50px rgba(0,0,0,0.15);
  --transition: all 0.3s ease;
  --radius: 12px;
  --radius-sm: 8px;
}

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

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

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--slate);
  background: var(--white);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6 {
  font-family: Georgia, 'Times New Roman', serif;
  color: var(--navy);
  line-height: 1.3;
  font-weight: 700;
}

h1 { font-size: clamp(2.2rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.8rem, 4vw, 2.5rem); }
h3 { font-size: clamp(1.3rem, 3vw, 1.75rem); }
h4 { font-size: 1.25rem; }

p { margin-bottom: 1rem; color: var(--gray-700); }
a { color: var(--navy); text-decoration: none; transition: var(--transition); }
a:hover { color: var(--gold); }
img { max-width: 100%; height: auto; }

.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section { padding: 80px 0; }
.section-sm { padding: 60px 0; }
.text-center { text-align: center; }
.text-gold { color: var(--gold); }
.text-navy { color: var(--navy); }
.bg-navy { background: var(--navy); }
.bg-cloud { background: var(--cloud); }
.bg-white { background: var(--white); }

.section-header { text-align: center; max-width: 700px; margin: 0 auto 50px; }
.section-header p { color: var(--gray-600); font-size: 1.1rem; margin-top: 12px; }
.section-label {
  display: inline-block; font-size: 0.85rem; font-weight: 600; color: var(--gold);
  text-transform: uppercase; letter-spacing: 2px; margin-bottom: 12px;
}

/* Buttons */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 14px 32px; border-radius: 50px; font-weight: 600;
  font-size: 0.95rem; cursor: pointer; transition: var(--transition);
  border: none; text-decoration: none; font-family: inherit;
}
.btn-gold {
  background: var(--gold); color: var(--white);
  box-shadow: 0 4px 15px rgba(201,168,76,0.3);
}
.btn-gold:hover { background: var(--gold-dark); color: var(--white); transform: translateY(-2px); box-shadow: 0 6px 20px rgba(201,168,76,0.4); }
.btn-outline {
  background: transparent; color: var(--white);
  border: 2px solid rgba(255,255,255,0.4);
}
.btn-outline:hover { border-color: var(--gold); color: var(--gold); }
.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: #152C4F; color: var(--white); transform: translateY(-2px); }
.btn-white { background: var(--white); color: var(--navy); }
.btn-white:hover { background: var(--cloud); color: var(--navy); transform: translateY(-2px); }
.btn-group { display: flex; gap: 16px; flex-wrap: wrap; }

/* Cards */
.card {
  background: var(--white); border-radius: var(--radius);
  padding: 36px; box-shadow: var(--shadow-md);
  transition: var(--transition);
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }

/* Grid */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 30px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 30px; }

/* Header */
.header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: #ffffff; backdrop-filter: blur(10px);
  box-shadow: 0 1px 10px rgba(0,0,0,0.06);
  transition: var(--transition);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 12px 24px; max-width: 1400px; margin: 0 auto;
}
.logo { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.logo-text { font-family: Georgia, serif; font-size: 1.2rem; font-weight: 700; color: var(--navy); line-height: 1.2; }
.logo-text span { display: block; font-size: 0.7rem; font-weight: 400; color: var(--gray-600); letter-spacing: 1px; text-transform: uppercase; }
.logo svg { height: 42px; width: auto; }
.logo img { height: 50px; width: auto; mix-blend-mode: multiply; }
.team-card img { object-position: top; }

.nav { display: flex; align-items: center; gap: 8px; }
.nav a {
  padding: 8px 14px; font-size: 0.9rem; font-weight: 500;
  color: var(--slate); border-radius: 8px; transition: var(--transition);
}
.nav a:hover, .nav a.active { color: var(--gold); background: rgba(201,168,76,0.06); }

.header-actions { display: flex; align-items: center; gap: 16px; }
.header-phone { font-size: 0.9rem; font-weight: 600; color: var(--navy); white-space: nowrap; }
.header-phone:hover { color: var(--gold); }
.header-cta { padding: 10px 24px; font-size: 0.85rem; }

.hamburger {
  display: none; background: none; border: none; cursor: pointer;
  width: 32px; height: 24px; position: relative; z-index: 1001;
}
.hamburger span {
  display: block; width: 100%; height: 2px; background: var(--navy);
  position: absolute; left: 0; transition: var(--transition);
}
.hamburger span:nth-child(1) { top: 0; }
.hamburger span:nth-child(2) { top: 50%; transform: translateY(-50%); }
.hamburger span:nth-child(3) { bottom: 0; }
.hamburger.active span:nth-child(1) { top: 50%; transform: translateY(-50%) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { bottom: 50%; transform: translateY(50%) rotate(-45deg); }

/* Mobile Nav */
.mobile-nav {
  display: none; position: fixed; top: 0; left: 0; right: 0; bottom: 0;
  background: var(--white); z-index: 999; padding: 80px 24px 24px;
  flex-direction: column; gap: 4px; overflow-y: auto;
}
.mobile-nav.active { display: flex; }
.mobile-nav a {
  padding: 16px; font-size: 1.1rem; color: var(--slate);
  border-radius: var(--radius-sm); font-weight: 500;
}
.mobile-nav a:hover { background: var(--cloud); color: var(--gold); }
.mobile-nav .btn { margin-top: 16px; justify-content: center; }

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--slate) 100%);
  padding: 160px 0 100px; color: var(--white); position: relative; overflow: hidden;
  min-height: 60vh; display: flex; align-items: center;
  background-size: cover; background-position: center center;
}
.hero::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; bottom: 0;
  background: rgba(26,54,93,0.6);
  z-index: 0;
}
.hero-content { position: relative; z-index: 1; max-width: 700px; }
.hero h1 { color: var(--white); margin-bottom: 20px; text-shadow: 0 2px 8px rgba(0,0,0,0.3); }
.hero h1 .gold { color: var(--gold); }
.hero p { color: rgba(255,255,255,0.9); font-size: 1.15rem; margin-bottom: 32px; max-width: 560px; text-shadow: 0 1px 4px rgba(0,0,0,0.2); }
.hero .section-label { text-shadow: 0 1px 4px rgba(0,0,0,0.2); }

.hero-sm { padding: 140px 0 70px; min-height: 500px; }
.hero-sm h1 { font-size: clamp(1.8rem, 4vw, 2.8rem); }

/* Section Divider */
.section-divider {
  height: 200px;
  background: url('./images/divider-mountains.jpg') center center / cover no-repeat;
  background-attachment: fixed;
  position: relative;
}
.section-divider::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; bottom: 0;
  background: rgba(26,54,93,0.3);
}

/* Page hero with mountain decoration */
.hero-mountains {
  position: absolute; bottom: 0; right: 0; width: 40%; max-width: 500px; opacity: 0.08;
}

/* Footer */
.footer { background: var(--navy); color: rgba(255,255,255,0.7); padding: 60px 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.5fr; gap: 40px; margin-bottom: 40px; }
.footer h4 { color: var(--white); font-size: 1.1rem; margin-bottom: 20px; }
.footer-brand p { font-size: 0.9rem; line-height: 1.7; }
.footer-links { list-style: none; }
.footer-links li { margin-bottom: 10px; }
.footer-links a { color: rgba(255,255,255,0.6); font-size: 0.9rem; }
.footer-links a:hover { color: var(--gold); }
.footer-newsletter input {
  width: 100%; padding: 12px 16px; border-radius: 8px; border: 1px solid rgba(255,255,255,0.15);
  background: rgba(255,255,255,0.05); color: var(--white); font-family: inherit;
  font-size: 0.9rem; margin-bottom: 10px;
}
.footer-newsletter input::placeholder { color: rgba(255,255,255,0.4); }
.footer-newsletter .btn { width: 100%; justify-content: center; padding: 12px; }
.footer-social { display: flex; gap: 12px; margin-top: 20px; }
.footer-social a {
  width: 40px; height: 40px; border-radius: 50%;
  background: rgba(255,255,255,0.08); display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.6); transition: var(--transition);
}
.footer-social a:hover { background: var(--gold); color: var(--white); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08); padding: 24px 0;
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 16px;
  font-size: 0.82rem; color: rgba(255,255,255,0.4);
}
.footer-compliance { max-width: 600px; line-height: 1.6; }

/* Service/Feature Cards */
.service-card { text-align: center; padding: 40px 30px; }
.service-card .icon {
  width: 64px; height: 64px; border-radius: 16px; background: linear-gradient(135deg, var(--navy), var(--slate));
  display: flex; align-items: center; justify-content: center; margin: 0 auto 20px;
  color: var(--gold); font-size: 1.5rem;
}
.service-card h3 { margin-bottom: 12px; font-size: 1.3rem; }
.service-card p { color: var(--gray-600); font-size: 0.95rem; }

.value-card { display: flex; gap: 20px; padding: 24px; }
.value-card .icon {
  flex-shrink: 0; width: 48px; height: 48px; border-radius: 12px;
  background: rgba(201,168,76,0.1); display: flex; align-items: center;
  justify-content: center; color: var(--gold); font-size: 1.3rem;
}

/* Team Cards */
.team-card { text-align: center; padding: 30px; }
.team-card .avatar {
  width: 120px; height: 120px; border-radius: 50%; background: var(--gray-200);
  margin: 0 auto 16px; display: flex; align-items: center; justify-content: center;
  color: var(--gray-400); font-size: 3rem; overflow: hidden;
}
.team-card h4 { margin-bottom: 4px; }
.team-card .role { color: var(--gold); font-size: 0.85rem; font-weight: 600; margin-bottom: 4px; }
.team-card .asic { color: var(--gray-500); font-size: 0.8rem; margin-bottom: 12px; }
.team-card p { font-size: 0.9rem; }

/* CTA Banner */
.cta-banner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--slate) 100%);
  padding: 70px 0; text-align: center; color: var(--white);
  background-size: cover; background-position: center center;
  position: relative;
}
.cta-banner.has-bg::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; bottom: 0;
  background: rgba(26,54,93,0.65);
}
.cta-banner.has-bg > .container { position: relative; z-index: 1; }
.cta-banner h2 { color: var(--white); margin-bottom: 16px; }
.cta-banner p { color: rgba(255,255,255,0.7); margin-bottom: 30px; max-width: 500px; margin-left: auto; margin-right: auto; }

/* Tool Cards */
.tool-card {
  padding: 30px; display: flex; flex-direction: column; text-decoration: none;
}
.tool-card:hover { color: inherit; }
.tool-card .tool-icon {
  width: 52px; height: 52px; border-radius: 14px;
  background: linear-gradient(135deg, rgba(26,54,93,0.08), rgba(201,168,76,0.1));
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px; font-size: 1.4rem; color: var(--gold);
}
.tool-card h4 { margin-bottom: 8px; font-size: 1.1rem; }
.tool-card p { font-size: 0.9rem; color: var(--gray-600); flex-grow: 1; }
.tool-card .arrow { color: var(--gold); font-weight: 600; font-size: 0.9rem; margin-top: 12px; }

/* Blog Cards */
.blog-card { overflow: hidden; padding: 0; }
.blog-card .blog-img {
  height: 200px; background: linear-gradient(135deg, var(--navy), var(--slate));
  display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,0.2); font-size: 3rem;
}
.blog-card .blog-body { padding: 24px; }
.blog-card .blog-meta { font-size: 0.8rem; color: var(--gray-500); margin-bottom: 8px; }
.blog-card h4 { margin-bottom: 8px; font-size: 1.1rem; }
.blog-card p { font-size: 0.9rem; color: var(--gray-600); }
.blog-card .read-more { color: var(--gold); font-weight: 600; font-size: 0.9rem; display: inline-block; margin-top: 8px; }

/* Partner Cards */
.partner-card { padding: 40px; display: flex; flex-direction: column; }
.partner-card .partner-logo {
  width: 80px; height: 80px; border-radius: 16px;
  background: var(--cloud); display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px; font-size: 1.5rem; font-weight: 700; color: var(--navy);
  font-family: Georgia, serif;
}
.partner-card h3 { margin-bottom: 8px; }
.partner-card p { font-size: 0.95rem; color: var(--gray-600); }

/* Forms */
.form-group { margin-bottom: 20px; }
.form-group label { display: block; font-weight: 600; font-size: 0.9rem; margin-bottom: 6px; color: var(--slate); }
.form-input {
  width: 100%; padding: 14px 16px; border: 1px solid var(--gray-300);
  border-radius: var(--radius-sm); font-family: inherit; font-size: 0.95rem;
  transition: var(--transition); background: var(--white);
}
.form-input:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(201,168,76,0.15); }
textarea.form-input { min-height: 140px; resize: vertical; }
select.form-input { cursor: pointer; }

/* Contact Info */
.contact-info { display: flex; flex-direction: column; gap: 20px; }
.contact-item { display: flex; gap: 16px; align-items: flex-start; }
.contact-item .ci-icon {
  width: 44px; height: 44px; border-radius: 12px; background: rgba(201,168,76,0.1);
  display: flex; align-items: center; justify-content: center; color: var(--gold);
  font-size: 1.1rem; flex-shrink: 0;
}
.contact-item h4 { font-size: 0.95rem; margin-bottom: 2px; }
.contact-item p { font-size: 0.9rem; margin: 0; }

/* Process/Steps */
.process-steps { display: flex; gap: 20px; flex-wrap: wrap; justify-content: center; }
.process-step {
  flex: 1; min-width: 220px; text-align: center; padding: 30px 20px;
  position: relative;
}
.process-step .step-num {
  width: 48px; height: 48px; border-radius: 50%; background: var(--gold);
  color: var(--white); display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 1.1rem; margin: 0 auto 16px;
  font-family: Georgia, serif;
}
.process-step h4 { margin-bottom: 8px; }
.process-step p { font-size: 0.9rem; color: var(--gray-600); }

/* Expandable sections */
.expandable { border: 1px solid var(--gray-200); border-radius: var(--radius); margin-bottom: 16px; overflow: hidden; }
.expandable-header {
  padding: 20px 24px; display: flex; justify-content: space-between; align-items: center;
  cursor: pointer; background: var(--white); transition: var(--transition);
}
.expandable-header:hover { background: var(--cloud); }
.expandable-header h4 { margin: 0; font-size: 1.05rem; }
.expandable-icon { font-size: 1.2rem; color: var(--gold); transition: var(--transition); }
.expandable.active .expandable-icon { transform: rotate(180deg); }
.expandable-body { padding: 0 24px 20px; display: none; }
.expandable.active .expandable-body { display: block; }
.expandable-body ul { padding-left: 20px; margin-top: 8px; }
.expandable-body li { margin-bottom: 8px; color: var(--gray-600); font-size: 0.95rem; }

/* Map placeholder */
.map-placeholder {
  background: linear-gradient(135deg, var(--cloud), var(--gray-200));
  border-radius: var(--radius); height: 300px; display: flex; align-items: center;
  justify-content: center; flex-direction: column; gap: 8px; color: var(--gray-600);
}
.map-placeholder .map-icon { font-size: 2.5rem; color: var(--gold); }

/* Testimonials */
.testimonial { background: var(--cloud); border-radius: var(--radius); padding: 36px; position: relative; }
.testimonial .quote { font-size: 2rem; color: var(--gold); font-family: Georgia, serif; line-height: 1; margin-bottom: 12px; }
.testimonial p { font-style: italic; font-size: 1.05rem; color: var(--gray-700); }
.testimonial .author { font-style: normal; font-weight: 600; color: var(--navy); margin-top: 16px; font-size: 0.9rem; }

/* Sidebar */
.sidebar { position: sticky; top: 100px; }
.sidebar h4 { margin-bottom: 16px; }
.sidebar-list { list-style: none; }
.sidebar-list li { margin-bottom: 8px; }
.sidebar-list a {
  display: block; padding: 10px 16px; border-radius: var(--radius-sm);
  color: var(--gray-700); font-size: 0.9rem; transition: var(--transition);
}
.sidebar-list a:hover { background: var(--cloud); color: var(--gold); }

/* Video placeholder */
.video-placeholder {
  aspect-ratio: 16/9; background: var(--slate); border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,0.3);
  font-size: 3rem;
}

/* Animations */
.fade-up {
  opacity: 0; transform: translateY(30px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.fade-up.visible { opacity: 1; transform: translateY(0); }

/* Careers benefits */
.benefit-card { padding: 30px; text-align: center; }
.benefit-card .benefit-icon {
  width: 56px; height: 56px; border-radius: 14px;
  background: rgba(201,168,76,0.1); display: flex; align-items: center;
  justify-content: center; margin: 0 auto 16px; color: var(--gold); font-size: 1.4rem;
}

/* Coming soon badge */
.badge-soon {
  display: inline-block; background: rgba(201,168,76,0.15); color: var(--gold-dark);
  font-size: 0.75rem; font-weight: 600; padding: 4px 12px; border-radius: 50px;
  text-transform: uppercase; letter-spacing: 0.5px;
}

/* Coming Soon overlay for client portal */
.coming-soon-card { position: relative; }
.coming-soon-overlay {
  position: absolute; top: 0; left: 0; right: 0;
  background: rgba(201,168,76,0.95); color: var(--white);
  padding: 10px 16px; border-radius: var(--radius) var(--radius) 0 0;
  font-size: 0.85rem; font-weight: 600; text-align: center;
  z-index: 2;
}

/* Mountain Divider */
.mountain-divider {
  width: 100%;
  min-height: 150px;
  background-size: cover;
  background-position: center;
  background-attachment: fixed;
  position: relative;
}
@media (max-width: 768px) {
  .mountain-divider {
    min-height: 100px;
    background-attachment: scroll;
  }
}

/* Responsive */
@media (max-width: 1024px) {
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 1100px) {
  .nav { display: none; }
  .hamburger { display: block; }
  .header-phone { display: none; }
}
@media (max-width: 768px) {
  .section { padding: 60px 0; }
  .grid-2, .grid-3 { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .hero { padding: 130px 0 70px; min-height: 50vh; }
  .hero-sm { padding: 120px 0 50px; min-height: 400px; }
  .section-divider { background-attachment: scroll; height: 150px; }
  .process-steps { flex-direction: column; align-items: center; }
  .btn-group { flex-direction: column; }
  .btn-group .btn { text-align: center; justify-content: center; }
}
@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .card { padding: 24px; }
}

/* Tap-friendly buttons on mobile */
@media (max-width: 768px) {
  .btn { min-height: 48px; justify-content: center; }
  .team-card .avatar { width: 100px; height: 100px; }
  .team-card .avatar img { width: 100px !important; height: 100px !important; }
}

/* Print styles */
@media print {
  .header, .mobile-nav, .hamburger, .footer-social, .footer-newsletter,
  .cta-banner, .mountain-divider, .section-divider { display: none !important; }
  .hero { min-height: auto !important; padding: 40px 0 20px !important; background: none !important; }
  .hero::before { display: none; }
  .hero h1, .hero p { color: var(--navy) !important; text-shadow: none !important; }
  .hero h1 .gold { color: var(--gold-dark) !important; }
  .section { padding: 30px 0; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .card { box-shadow: none; border: 1px solid var(--gray-300); break-inside: avoid; }
  .footer { padding: 20px 0; }
  .footer-grid { grid-template-columns: 1fr; }
  body { font-size: 12pt; }
  a { color: var(--navy) !important; }
  .fade-up { opacity: 1 !important; transform: none !important; }
}