/* ============================================================
   Qalunivo Financial Services — global stylesheet
   Palette: navy #0b1f3a, deep #081630, gold #c9a227, light #f5f7fa
   ============================================================ */

:root {
    --navy: #0b1f3a;
    --navy-deep: #081630;
    --navy-mid: #16305c;
    --gold: #c9a227;
    --gold-soft: #e8d48a;
    --ink: #1c2733;
    --muted: #5b6b7d;
    --light: #f5f7fa;
    --line: #e2e8f0;
    --white: #ffffff;
    --radius: 10px;
    --shadow: 0 8px 28px rgba(8, 22, 48, .12);
}

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

html { scroll-behavior: smooth; }

body {
    font-family: "Segoe UI", "Helvetica Neue", Arial, sans-serif;
    color: var(--ink);
    background: var(--white);
    line-height: 1.6;
}

.container { max-width: 1140px; margin: 0 auto; padding: 0 20px; }

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

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

/* ---------- Top bar & notice ---------- */
.topbar {
    background: var(--navy-deep);
    color: #cfd9e8;
    font-size: .85rem;
    padding: 7px 0;
}
.topbar-inner { display: flex; flex-wrap: wrap; gap: 8px 28px; justify-content: center; }
.topbar a { color: #cfd9e8; }
.topbar a:hover { color: var(--gold-soft); }

.notice-bar {
    background: linear-gradient(90deg, var(--gold), #b8921f);
    color: var(--navy-deep);
    font-weight: 600;
    font-size: .88rem;
    text-align: center;
    padding: 7px 12px;
}

/* ---------- Header / nav ---------- */
.site-header {
    background: var(--white);
    border-bottom: 1px solid var(--line);
    position: sticky;
    top: 0;
    z-index: 100;
    box-shadow: 0 2px 10px rgba(8, 22, 48, .06);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; min-height: 74px; gap: 16px; }

.brand { display: flex; align-items: center; }
.brand-logo { height: 46px; width: auto; }

.main-nav ul { list-style: none; display: flex; align-items: center; gap: 6px; }
.main-nav a {
    display: inline-block;
    padding: 9px 15px;
    border-radius: 6px;
    color: var(--navy);
    font-weight: 600;
    font-size: .96rem;
}
.main-nav a:hover { background: var(--light); }
.main-nav a.active { color: var(--gold); }
.main-nav a.nav-cta {
    background: var(--navy);
    color: var(--white);
    margin-left: 8px;
}
.main-nav a.nav-cta:hover { background: var(--navy-mid); color: var(--white); }

.nav-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: 0;
    cursor: pointer;
    padding: 8px;
}
.nav-toggle span { width: 26px; height: 3px; background: var(--navy); border-radius: 2px; transition: .25s; }
.nav-toggle.open span:nth-child(1) { transform: translateY(8px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-8px) rotate(-45deg); }

/* ---------- Flash messages ---------- */
.flash {
    margin: 18px auto 0;
    padding: 13px 18px;
    border-radius: var(--radius);
    font-weight: 600;
}
.flash-success { background: #e7f6ec; color: #1e6f3c; border: 1px solid #b9e3c6; }
.flash-error { background: #fdeeec; color: #a02c22; border: 1px solid #f2c4bf; }

/* ---------- Hero ---------- */
.hero {
    position: relative;
    color: var(--white);
    background: var(--navy-deep) url('../img/hero.jpg') center/cover no-repeat;
    min-height: 520px;
    display: flex;
    align-items: center;
}
.hero::before {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(100deg, rgba(8, 22, 48, .95) 20%, rgba(8, 22, 48, .55) 65%, rgba(8, 22, 48, .25));
}
.hero .container { position: relative; z-index: 1; }
.hero-eyebrow {
    color: var(--gold-soft);
    text-transform: uppercase;
    letter-spacing: 3px;
    font-size: .8rem;
    font-weight: 700;
    margin-bottom: 14px;
}
.hero h1 { font-size: clamp(2rem, 4.5vw, 3.3rem); line-height: 1.15; max-width: 720px; margin-bottom: 18px; }
.hero h1 .gold { color: var(--gold); }
.hero p { font-size: 1.12rem; max-width: 600px; color: #dbe4f0; margin-bottom: 30px; }

.btn {
    display: inline-block;
    padding: 13px 30px;
    border-radius: 8px;
    font-weight: 700;
    font-size: .98rem;
    border: 0;
    cursor: pointer;
    transition: .2s;
}
.btn-gold { background: var(--gold); color: var(--navy-deep); }
.btn-gold:hover { background: #dbb53a; color: var(--navy-deep); }
.btn-outline { border: 2px solid rgba(255,255,255,.75); color: var(--white); margin-left: 12px; }
.btn-outline:hover { background: rgba(255,255,255,.12); color: var(--white); }
.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: var(--navy-mid); color: var(--white); }

/* ---------- Sections ---------- */
.section { padding: 72px 0; }
.section-light { background: var(--light); }
.section-navy { background: var(--navy); color: var(--white); }

.section-head { text-align: center; max-width: 720px; margin: 0 auto 48px; }
.section-head .eyebrow {
    color: var(--gold);
    text-transform: uppercase;
    letter-spacing: 3px;
    font-size: .76rem;
    font-weight: 700;
}
.section-head h2 { font-size: clamp(1.6rem, 3vw, 2.3rem); color: var(--navy); margin: 8px 0 12px; }
.section-navy .section-head h2 { color: var(--white); }
.section-head p { color: var(--muted); }
.section-navy .section-head p { color: #c4d0e2; }

/* ---------- 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: 40px; }

.card {
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--radius);
    padding: 30px 26px;
    box-shadow: 0 3px 12px rgba(8, 22, 48, .05);
    transition: .22s;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--gold-soft); }
.card-icon {
    width: 54px; height: 54px;
    border-radius: 12px;
    background: linear-gradient(135deg, var(--navy), var(--navy-mid));
    color: var(--gold);
    display: flex; align-items: center; justify-content: center;
    font-size: 1.5rem;
    margin-bottom: 18px;
}
.card h3 { color: var(--navy); font-size: 1.14rem; margin-bottom: 10px; }
.card p { color: var(--muted); font-size: .94rem; }
.card ul { margin: 12px 0 0 18px; color: var(--muted); font-size: .92rem; }
.card ul li { margin-bottom: 5px; }

/* ---------- Stats band ---------- */
.stats-band { background: var(--navy-deep); color: var(--white); padding: 46px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; text-align: center; }
.stat-number { font-size: 2.3rem; font-weight: 800; color: var(--gold); }
.stat-label { font-size: .9rem; color: #c4d0e2; text-transform: uppercase; letter-spacing: 1.5px; }

/* ---------- CTA band ---------- */
.cta-band {
    background: linear-gradient(100deg, var(--navy-deep), var(--navy-mid));
    color: var(--white);
    text-align: center;
    padding: 60px 20px;
}
.cta-band h2 { font-size: 1.9rem; margin-bottom: 12px; }
.cta-band p { color: #c4d0e2; margin-bottom: 26px; }

/* ---------- Page banner ---------- */
.page-banner {
    background: linear-gradient(100deg, var(--navy-deep), var(--navy-mid));
    color: var(--white);
    padding: 64px 0;
}
.page-banner h1 { font-size: 2.2rem; margin-bottom: 8px; }
.page-banner p { color: #c4d0e2; max-width: 640px; }

/* ---------- About ---------- */
.about-img { border-radius: var(--radius); box-shadow: var(--shadow); }
.check-list { list-style: none; margin-top: 16px; }
.check-list li { padding: 7px 0 7px 30px; position: relative; color: var(--muted); }
.check-list li::before {
    content: "\2713";
    position: absolute; left: 0; top: 7px;
    color: var(--gold); font-weight: 800;
}
.values-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.value-card {
    background: var(--white);
    border-radius: var(--radius);
    border-top: 4px solid var(--gold);
    padding: 24px 20px;
    box-shadow: 0 3px 12px rgba(8,22,48,.05);
}
.value-card h3 { color: var(--navy); font-size: 1.02rem; margin-bottom: 8px; }
.value-card p { color: var(--muted); font-size: .9rem; }

/* ---------- Services detail ---------- */
.service-block {
    display: grid;
    grid-template-columns: 84px 1fr;
    gap: 24px;
    padding: 34px 0;
    border-bottom: 1px solid var(--line);
}
.service-block:last-child { border-bottom: 0; }
.service-block .card-icon { margin-bottom: 0; width: 64px; height: 64px; font-size: 1.7rem; }
.service-block h3 { color: var(--navy); font-size: 1.3rem; margin-bottom: 8px; scroll-margin-top: 120px; }
.service-block p { color: var(--muted); }
.service-tags { margin-top: 12px; display: flex; flex-wrap: wrap; gap: 8px; }
.tag {
    background: var(--light);
    border: 1px solid var(--line);
    border-radius: 20px;
    padding: 4px 14px;
    font-size: .82rem;
    color: var(--navy-mid);
    font-weight: 600;
}

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1.15fr; gap: 40px; align-items: start; }
.contact-info-card {
    background: var(--navy);
    color: var(--white);
    border-radius: var(--radius);
    padding: 34px 30px;
}
.contact-info-card h3 { color: var(--gold); margin-bottom: 18px; }
.contact-info-card p, .contact-info-card a { color: #dbe4f0; }
.contact-info-card .ci-row { padding: 10px 0; border-bottom: 1px solid rgba(255,255,255,.12); }
.contact-info-card .ci-row:last-child { border-bottom: 0; }

.form-card {
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--radius);
    padding: 34px 30px;
    box-shadow: var(--shadow);
}
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-weight: 600; font-size: .9rem; margin-bottom: 6px; color: var(--navy); }
.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 12px 14px;
    border: 1px solid #cbd5e1;
    border-radius: 8px;
    font: inherit;
    color: var(--ink);
    background: var(--white);
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: 2px solid var(--gold-soft);
    border-color: var(--gold);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }

.map-frame {
    width: 100%;
    height: 380px;
    border: 0;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
}

/* ---------- Legal pages ---------- */
.legal-body { max-width: 820px; margin: 0 auto; }
.legal-body h2 { color: var(--navy); margin: 30px 0 10px; font-size: 1.25rem; }
.legal-body p, .legal-body li { color: var(--muted); }
.legal-body ul { margin: 10px 0 10px 22px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-deep); color: #b9c6d9; margin-top: 0; }
.footer-grid {
    display: grid;
    grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
    gap: 34px;
    padding: 56px 20px 40px;
}
.footer-col h4 { color: var(--white); margin-bottom: 16px; font-size: 1rem; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 9px; font-size: .92rem; }
.footer-col a { color: #b9c6d9; }
.footer-col a:hover { color: var(--gold-soft); }
.footer-about p { font-size: .92rem; margin-top: 14px; }
.brand-footer .brand-logo { height: 52px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); padding: 16px 0; font-size: .85rem; text-align: center; color: #8ea1bb; }

/* ---------- Admin ---------- */
.admin-wrap { max-width: 980px; margin: 40px auto; padding: 0 20px; }
.admin-nav { display: flex; gap: 10px; margin-bottom: 24px; flex-wrap: wrap; }
.admin-nav a {
    padding: 9px 18px;
    background: var(--light);
    border: 1px solid var(--line);
    border-radius: 8px;
    font-weight: 600;
    color: var(--navy);
}
.admin-nav a.active, .admin-nav a:hover { background: var(--navy); color: var(--white); }
.admin-table { width: 100%; border-collapse: collapse; background: var(--white); box-shadow: var(--shadow); border-radius: var(--radius); overflow: hidden; }
.admin-table th { background: var(--navy); color: var(--white); text-align: left; padding: 12px 14px; font-size: .88rem; }
.admin-table td { padding: 12px 14px; border-bottom: 1px solid var(--line); font-size: .9rem; vertical-align: top; }
.admin-table tr:last-child td { border-bottom: 0; }
.admin-table tr:hover td { background: var(--light); }
.login-box {
    max-width: 400px;
    margin: 70px auto;
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    padding: 36px 32px;
}
.login-box h1 { color: var(--navy); font-size: 1.4rem; margin-bottom: 22px; text-align: center; }

/* ---------- Leadership ---------- */
.leadership-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 22px; }
.leader-card {
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--radius);
    overflow: hidden;
    box-shadow: 0 3px 12px rgba(8, 22, 48, .05);
    transition: .22s;
}
.leader-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.leader-photo { width: 100%; aspect-ratio: 4 / 5; object-fit: cover; display: block; }
.leader-body { padding: 16px 14px 18px; text-align: center; border-top: 3px solid var(--gold); }
.leader-body h3 { color: var(--navy); font-size: .98rem; line-height: 1.3; margin-bottom: 4px; }
.leader-body .leader-title { color: var(--gold); font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; }

/* ---------- Responsive ---------- */
@media (max-width: 1100px) {
    .leadership-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 960px) {
    .grid-3 { grid-template-columns: repeat(2, 1fr); }
    .values-grid { grid-template-columns: repeat(2, 1fr); }
    .stats-grid { grid-template-columns: repeat(2, 1fr); }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .contact-grid { grid-template-columns: 1fr; }
    .leadership-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 720px) {
    .nav-toggle { display: flex; }
    .main-nav {
        display: none;
        position: absolute;
        top: 100%;
        left: 0; right: 0;
        background: var(--white);
        border-bottom: 1px solid var(--line);
        box-shadow: var(--shadow);
    }
    .main-nav.open { display: block; }
    .main-nav ul { flex-direction: column; align-items: stretch; padding: 10px 16px 16px; }
    .main-nav a { display: block; padding: 12px 14px; }
    .main-nav a.nav-cta { margin: 8px 0 0; text-align: center; }

    .grid-3, .grid-2 { grid-template-columns: 1fr; }
    .grid-2 { gap: 26px; }
    .form-row { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr; }
    .service-block { grid-template-columns: 1fr; }
    .hero { min-height: 440px; }
    .section { padding: 52px 0; }
    .btn-outline { margin-left: 0; margin-top: 12px; }
    .leadership-grid { grid-template-columns: 1fr 1fr; }
}