/* Finova Financial Services — design system
   Palette: navy #002645, gold #CE9D29, slate #5C6B82, cloud #EEF2F8, white
   Fonts: Space Grotesk (headings), Inter (body), Poppins (logo wordmark) */

:root{
  --navy:#002645;
  --ink:#002645;
  --gold:#CE9D29;
  --gold-light:#E4CD98;
  --slate:#5C6B82;
  --cloud:#EEF2F8;
  --white:#FFFFFF;
  --line:#DCE3EE;
  --shadow: 0 20px 45px -25px rgba(14,42,71,0.35);
  --radius:14px;
  --maxw:1180px;
  --font-head:'Space Grotesk', Arial, sans-serif;
  --font-body:'Inter', Arial, sans-serif;
}

*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:var(--font-body);
  color:var(--ink);
  background:var(--white);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{max-width:100%;display:block;}
a{color:inherit;}
h1,h2,h3,h4{
  font-family:var(--font-head);
  color:var(--ink);
  line-height:1.15;
  margin:0 0 .5em;
  letter-spacing:-0.01em;
}
p{margin:0 0 1em;}
.container{
  max-width:var(--maxw);
  margin:0 auto;
  padding:0 24px;
}
section{padding:88px 0;}
@media (max-width:720px){
  section{padding:56px 0;}
}

/* Skip link */
.skip-link{
  position:absolute;
  left:-999px;
  top:0;
  background:var(--gold);
  color:var(--ink);
  padding:12px 18px;
  z-index:999;
  font-weight:700;
  border-radius:0 0 8px 0;
}
.skip-link:focus{left:0;}

/* ===== Header ===== */
.site-header{
  background:var(--navy);
  position:sticky;
  top:0;
  z-index:100;
  border-bottom:1px solid rgba(255,255,255,0.08);
}
.header-inner{
  max-width:var(--maxw);
  margin:0 auto;
  padding:16px 24px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:24px;
}
.brand-logo{
  height:44px;
  width:auto;
  flex-shrink:0;
}
.brand-link{display:flex;align-items:center;text-decoration:none;}

.main-nav{display:flex;align-items:center;gap:8px;}
.main-nav ul{
  list-style:none;
  display:flex;
  gap:4px;
  margin:0;
  padding:0;
}
.main-nav a{
  display:inline-block;
  padding:10px 16px;
  text-decoration:none;
  color:var(--white);
  font-weight:500;
  font-size:0.96rem;
  border-radius:8px;
  transition:background .15s ease, color .15s ease;
}
.main-nav a:hover,
.main-nav a:focus-visible{
  background:rgba(255,255,255,0.1);
}
.main-nav a[aria-current="page"]{
  color:var(--gold-light);
  font-weight:700;
}
.header-cta{
  display:inline-flex;
  align-items:center;
  gap:8px;
  background:var(--gold);
  color:var(--ink);
  font-weight:700;
  font-size:0.92rem;
  padding:10px 18px;
  border-radius:8px;
  text-decoration:none;
  white-space:nowrap;
  transition:background .15s ease, transform .15s ease;
}
.header-cta:hover{background:var(--gold-light);transform:translateY(-1px);}

.nav-toggle{
  display:none;
  background:none;
  border:1px solid rgba(255,255,255,0.35);
  border-radius:8px;
  padding:8px 10px;
  cursor:pointer;
}
.nav-toggle svg{display:block;}
.nav-toggle rect{fill:var(--white);}

@media (max-width:900px){
  .nav-toggle{display:inline-flex;align-items:center;justify-content:center;}
  .main-nav{
    position:absolute;
    top:100%;
    left:0;
    right:0;
    background:var(--navy);
    flex-direction:column;
    align-items:stretch;
    padding:8px 24px 20px;
    display:none;
    border-bottom:1px solid rgba(255,255,255,0.08);
  }
  .main-nav.is-open{display:flex;}
  .main-nav ul{flex-direction:column;width:100%;gap:2px;}
  .main-nav a{padding:12px 10px;}
  .header-cta{margin-top:10px;text-align:center;justify-content:center;}
}

/* ===== Hero ===== */
.hero{
  background:
    radial-gradient(1100px 520px at 85% -10%, rgba(201,162,75,0.16), transparent 60%),
    linear-gradient(180deg, var(--ink) 0%, var(--navy) 65%, var(--navy) 100%);
  color:var(--white);
  padding:96px 0 110px;
  position:relative;
  overflow:hidden;
}
.hero::after{
  content:"";
  position:absolute;
  right:-120px;
  bottom:-160px;
  width:520px;
  height:520px;
  background:radial-gradient(circle, rgba(201,162,75,0.14) 0%, transparent 70%);
  pointer-events:none;
}
.hero-grid{
  display:grid;
  grid-template-columns:1.1fr 0.9fr;
  gap:56px;
  align-items:center;
  position:relative;
}
@media (max-width:900px){
  .hero-grid{grid-template-columns:1fr;}
  .hero{padding:64px 0 72px;}
}
.eyebrow{
  display:inline-flex;
  align-items:center;
  gap:8px;
  text-transform:uppercase;
  letter-spacing:0.14em;
  font-size:0.76rem;
  font-weight:700;
  color:var(--gold-light);
  margin-bottom:18px;
}
.eyebrow::before{
  content:"";
  width:26px;
  height:2px;
  background:var(--gold);
  display:inline-block;
}
.hero h1{
  color:var(--white);
  font-size:clamp(2.2rem, 4.4vw, 3.4rem);
  margin-bottom:22px;
}
.hero .lede{
  font-size:1.14rem;
  color:#C7D2E3;
  max-width:52ch;
  margin-bottom:32px;
}
.btn-row{display:flex;gap:14px;flex-wrap:wrap;}
.btn{
  display:inline-flex;
  align-items:center;
  gap:10px;
  padding:14px 24px;
  border-radius:9px;
  font-weight:700;
  font-size:0.98rem;
  text-decoration:none;
  transition:transform .15s ease, box-shadow .15s ease, background .15s ease;
}
.btn-primary{
  background:var(--gold);
  color:var(--ink);
}
.btn-primary:hover{background:var(--gold-light);transform:translateY(-2px);}
.btn-ghost{
  background:transparent;
  color:var(--white);
  border:1.5px solid rgba(255,255,255,0.4);
}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold-light);transform:translateY(-2px);}
.btn-dark{
  background:var(--navy);
  color:var(--white);
}
.btn-dark:hover{background:var(--ink);transform:translateY(-2px);}

/* hero panel graphic */
.hero-panel{
  background:rgba(255,255,255,0.05);
  border:1px solid rgba(255,255,255,0.14);
  border-radius:18px;
  padding:28px;
  backdrop-filter:blur(2px);
}
.hero-panel-head{
  display:flex;
  justify-content:space-between;
  align-items:baseline;
  margin-bottom:18px;
  color:#C7D2E3;
  font-size:0.85rem;
}
.hero-stat{
  display:flex;
  align-items:baseline;
  gap:10px;
  padding:14px 0;
  border-top:1px solid rgba(255,255,255,0.12);
}
.hero-stat:first-of-type{border-top:none;}
.hero-stat .num{
  font-family:var(--font-head);
  font-size:1.7rem;
  font-weight:700;
  color:var(--gold-light);
}
.hero-stat .label{color:#C7D2E3;font-size:0.92rem;}

/* ===== Trust / credentials strip ===== */
.trust-strip{
  background:var(--cloud);
  border-bottom:1px solid var(--line);
  padding:22px 0;
}
.trust-strip .container{
  display:flex;
  flex-wrap:wrap;
  gap:14px 34px;
  align-items:center;
  justify-content:center;
  color:var(--slate);
  font-size:0.9rem;
  text-align:center;
}
.trust-strip strong{color:var(--ink);}

/* ===== Section headers ===== */
.section-head{
  max-width:640px;
  margin:0 auto 48px;
  text-align:center;
}
.section-head.left{margin:0 0 44px;text-align:left;}
.section-head h2{font-size:clamp(1.7rem,3vw,2.3rem);}
.section-head .kicker{
  display:block;
  text-transform:uppercase;
  letter-spacing:0.14em;
  font-size:0.76rem;
  font-weight:700;
  color:var(--gold);
  margin-bottom:12px;
}
.section-head p{color:var(--slate);font-size:1.05rem;}

/* ===== Cards / grids ===== */
.grid-3{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:26px;
}
.grid-2{
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:26px;
}
@media (max-width:860px){
  .grid-3{grid-template-columns:1fr;}
  .grid-2{grid-template-columns:1fr;}
}
.card{
  background:var(--white);
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:30px;
  transition:box-shadow .18s ease, transform .18s ease, border-color .18s ease;
}
.card:hover{box-shadow:var(--shadow);transform:translateY(-3px);border-color:transparent;}
.card .icon-wrap{
  width:52px;height:52px;
  border-radius:12px;
  background:var(--cloud);
  display:flex;align-items:center;justify-content:center;
  margin-bottom:18px;
}
.card .icon-wrap svg{width:26px;height:26px;}
.card h3{font-size:1.18rem;margin-bottom:10px;}
.card p{color:var(--slate);margin-bottom:0;font-size:0.98rem;}
.card .card-link{
  display:inline-flex;
  align-items:center;
  gap:6px;
  margin-top:16px;
  font-weight:700;
  font-size:0.92rem;
  color:var(--navy);
  text-decoration:none;
}
.card .card-link:hover{color:var(--gold);}

/* services section on services page: numbered rows */
.service-block{
  display:grid;
  grid-template-columns:80px 1fr;
  gap:28px;
  padding:36px 0;
  border-top:1px solid var(--line);
}
.service-block:last-of-type{border-bottom:1px solid var(--line);}
.service-index{
  font-family:var(--font-head);
  font-size:1.6rem;
  font-weight:700;
  color:var(--gold);
}
.service-block h3{font-size:1.35rem;margin-bottom:10px;}
.service-block p{color:var(--slate);max-width:70ch;}
.service-block ul{
  margin:16px 0 0;
  padding:0;
  list-style:none;
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:8px 24px;
}
@media (max-width:640px){
  .service-block{grid-template-columns:1fr;gap:8px;}
  .service-block ul{grid-template-columns:1fr;}
}
.service-block li{
  display:flex;
  gap:10px;
  align-items:flex-start;
  color:var(--ink);
  font-size:0.95rem;
}
.service-block li svg{flex-shrink:0;margin-top:3px;}

/* process steps */
.steps{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:24px;
  counter-reset:step;
}
@media (max-width:900px){
  .steps{grid-template-columns:repeat(2,1fr);}
}
@media (max-width:560px){
  .steps{grid-template-columns:1fr;}
}
.step{
  position:relative;
  padding:26px 22px 22px;
  background:var(--cloud);
  border-radius:var(--radius);
}
.step .step-num{
  font-family:var(--font-head);
  font-size:2rem;
  font-weight:700;
  color:var(--gold);
  display:block;
  margin-bottom:10px;
}
.step h3{font-size:1.05rem;margin-bottom:8px;}
.step p{color:var(--slate);font-size:0.92rem;margin:0;}

/* values / pillars with side rule */
.pillar{
  display:flex;
  gap:18px;
  padding:22px 0;
  border-top:1px solid var(--line);
}
.pillar:last-child{border-bottom:1px solid var(--line);}
.pillar .icon-wrap{
  width:46px;height:46px;flex-shrink:0;
  border-radius:10px;
  background:var(--navy);
  display:flex;align-items:center;justify-content:center;
}
.pillar .icon-wrap svg{width:22px;height:22px;}
.pillar h3{font-size:1.08rem;margin-bottom:6px;}
.pillar p{color:var(--slate);margin:0;font-size:0.95rem;}

/* ===== CTA banner ===== */
.cta-banner{
  background:linear-gradient(120deg, var(--ink), var(--navy));
  color:var(--white);
  border-radius:20px;
  padding:56px 48px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:32px;
  flex-wrap:wrap;
  position:relative;
  overflow:hidden;
}
.cta-banner::before{
  content:"";
  position:absolute;
  inset:0;
  background:radial-gradient(480px 240px at 90% 10%, rgba(201,162,75,0.18), transparent 70%);
}
.cta-banner > *{position:relative;}
.cta-banner h2{color:var(--white);font-size:1.7rem;margin-bottom:8px;}
.cta-banner p{color:#C7D2E3;margin:0;max-width:46ch;}
.cta-text{flex:1 1 320px;}
.cta-actions{display:flex;gap:14px;flex-wrap:wrap;}

/* ===== About page specific ===== */
.about-hero{
  background:var(--cloud);
  padding:64px 0;
  border-bottom:1px solid var(--line);
}
.stat-row{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:24px;
  margin-top:40px;
}
@media (max-width:700px){
  .stat-row{grid-template-columns:1fr;}
}
.stat-card{
  background:var(--white);
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:26px;
  text-align:center;
}
.stat-card .num{
  font-family:var(--font-head);
  font-size:2.1rem;
  font-weight:700;
  color:var(--navy);
  display:block;
}
.stat-card .label{color:var(--slate);font-size:0.9rem;}

.office-card{
  background:var(--navy);
  color:var(--white);
  border-radius:var(--radius);
  padding:32px;
}
.office-card h3{color:var(--white);}
.office-card .field{
  display:flex;
  gap:12px;
  padding:14px 0;
  border-top:1px solid rgba(255,255,255,0.14);
  font-size:0.95rem;
}
.office-card .field:first-of-type{border-top:none;padding-top:0;}
.office-card .field-label{
  color:var(--gold-light);
  min-width:110px;
  font-weight:600;
  font-size:0.82rem;
  text-transform:uppercase;
  letter-spacing:0.06em;
}
.office-card a{color:var(--white);text-decoration:underline;text-decoration-color:rgba(255,255,255,0.4);}
.office-card a:hover{text-decoration-color:var(--gold);}

/* ===== Contact page ===== */
.contact-grid{
  display:grid;
  grid-template-columns:1fr 1.1fr;
  gap:40px;
  align-items:start;
}
@media (max-width:900px){
  .contact-grid{grid-template-columns:1fr;}
}
.contact-card{
  background:var(--cloud);
  border-radius:var(--radius);
  padding:32px;
}
.contact-item{
  display:flex;
  gap:16px;
  padding:18px 0;
  border-top:1px solid var(--line);
}
.contact-item:first-of-type{border-top:none;padding-top:0;}
.contact-item .icon-wrap{
  width:44px;height:44px;flex-shrink:0;
  border-radius:10px;
  background:var(--navy);
  display:flex;align-items:center;justify-content:center;
}
.contact-item .icon-wrap svg{width:20px;height:20px;}
.contact-item h3{font-size:1rem;margin-bottom:4px;}
.contact-item p, .contact-item a{color:var(--slate);font-size:0.96rem;text-decoration:none;margin:0;}
.contact-item a:hover{color:var(--navy);text-decoration:underline;}

.map-frame{
  border-radius:var(--radius);
  overflow:hidden;
  border:1px solid var(--line);
  margin-top:24px;
}
.map-frame iframe{
  width:100%;
  height:280px;
  border:0;
  display:block;
}

.contact-form{
  background:var(--white);
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:32px;
}
.form-row{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:18px;
}
@media (max-width:560px){
  .form-row{grid-template-columns:1fr;}
}
.field-group{margin-bottom:18px;}
.field-group label{
  display:block;
  font-weight:600;
  font-size:0.9rem;
  margin-bottom:6px;
  color:var(--ink);
}
.field-group input,
.field-group select,
.field-group textarea{
  width:100%;
  padding:12px 14px;
  border:1px solid var(--line);
  border-radius:8px;
  font-family:var(--font-body);
  font-size:0.96rem;
  color:var(--ink);
  background:var(--white);
}
.field-group input:focus,
.field-group select:focus,
.field-group textarea:focus{
  outline:2px solid var(--gold);
  outline-offset:1px;
  border-color:var(--gold);
}
.field-group textarea{resize:vertical;min-height:120px;}
.form-note{font-size:0.84rem;color:var(--slate);margin-top:14px;}

/* ===== Footer ===== */
.site-footer{
  background:var(--ink);
  color:#C7D2E3;
  padding:64px 0 28px;
}
.footer-grid{
  display:grid;
  grid-template-columns:1.4fr 1fr 1fr 1.1fr;
  gap:36px;
  padding-bottom:40px;
  border-bottom:1px solid rgba(255,255,255,0.12);
}
@media (max-width:900px){
  .footer-grid{grid-template-columns:1fr 1fr;}
}
@media (max-width:560px){
  .footer-grid{grid-template-columns:1fr;}
}
.footer-brand .brand-logo{height:40px;margin-bottom:16px;}
.footer-brand p{color:#9FAEC4;font-size:0.92rem;max-width:38ch;}
.footer-col h4{
  color:var(--white);
  font-size:0.86rem;
  text-transform:uppercase;
  letter-spacing:0.08em;
  margin-bottom:16px;
}
.footer-col ul{list-style:none;margin:0;padding:0;}
.footer-col li{margin-bottom:10px;}
.footer-col a{
  color:#C7D2E3;
  text-decoration:none;
  font-size:0.95rem;
}
.footer-col a:hover{color:var(--gold-light);text-decoration:underline;}
.footer-bottom{
  display:flex;
  justify-content:space-between;
  align-items:center;
  flex-wrap:wrap;
  gap:12px;
  padding-top:24px;
  font-size:0.84rem;
  color:#8393AC;
}
.footer-bottom a{color:#8393AC;text-decoration:underline;}
.footer-bottom a:hover{color:var(--gold-light);}

/* utility */
.visually-hidden{
  position:absolute;
  width:1px;height:1px;
  overflow:hidden;
  clip:rect(0 0 0 0);
  white-space:nowrap;
}
.mt-0{margin-top:0;}