/* ============================================
   Abilities Finance - Production CSS
   Navy & Gold Financial Theme
   ============================================ */

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

:root {
  --navy: #0A192F;
  --navy-light: #112240;
  --navy-dark: #060F1F;
  --gold: #D4AF37;
  --gold-hover: #C4A030;
  --gold-light: #F0D879;
  --red-dark: #8B0000;
  --red-bg: #991B1B;
  --red-card: #7F1D1D;
  --white: #FFFFFF;
  --gray-50: #F9FAFB;
  --gray-100: #F3F4F6;
  --gray-200: #E5E7EB;
  --gray-300: #D1D5DB;
  --gray-400: #9CA3AF;
  --gray-500: #6B7280;
  --gray-600: #4B5563;
  --gray-700: #374151;
  --gray-800: #1F2937;
  --gray-900: #111827;
  --green-600: #16A34A;
  --blue-50: #EFF6FF;
  --blue-500: #3B82F6;
  --yellow-50: #FEFCE8;
  --yellow-400: #FACC15;
  --yellow-500: #EAB308;
}

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

body {
  font-family: 'Lato', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  font-size: 1.125rem;
  line-height: 1.7;
  color: var(--gray-800);
  background-color: var(--gray-50);
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6 {
  font-family: 'Playfair Display', Georgia, serif;
  line-height: 1.3;
  font-weight: 700;
}

a {
  color: inherit;
  text-decoration: none;
  transition: color 0.3s ease;
}

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

ul, ol {
  list-style: none;
}

/* --- Skip Navigation (Accessibility) --- */
.skip-nav {
  position: absolute;
  top: -100%;
  left: 0;
  background: var(--gold);
  color: var(--navy);
  padding: 0.75rem 1.5rem;
  font-weight: 700;
  z-index: 10000;
  transition: top 0.3s;
}

.skip-nav:focus {
  top: 0;
}

/* --- Disclaimer Banner --- */
.disclaimer-banner {
  background-color: var(--red-dark);
  color: var(--white);
  padding: 0.75rem 1.25rem;
  text-align: center;
  font-weight: 700;
  font-size: 0.875rem;
  border-bottom: 3px solid var(--gold);
  position: sticky;
  top: 0;
  z-index: 9999;
}

.disclaimer-banner i {
  margin-right: 0.5rem;
}

/* --- Container --- */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

/* --- Navigation --- */
.nav {
  background-color: var(--navy);
  color: var(--white);
  box-shadow: 0 2px 10px rgba(0,0,0,0.3);
  position: relative;
  z-index: 999;
}

.nav-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1rem 0;
}

.nav-brand {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.nav-brand i {
  font-size: 1.75rem;
  color: var(--gold);
}

.nav-brand span {
  font-size: 1.5rem;
  font-weight: 700;
  font-family: 'Playfair Display', serif;
  color: var(--white);
}

.nav-links {
  display: flex;
  gap: 2rem;
  align-items: center;
}

.nav-links a {
  color: var(--gray-300);
  font-size: 1rem;
  font-weight: 400;
  transition: color 0.3s ease;
  position: relative;
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--gold);
}

.nav-links a.active::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--gold);
}

/* Hamburger Menu */
.nav-toggle {
  display: none;
  background: none;
  border: none;
  color: var(--white);
  font-size: 1.5rem;
  cursor: pointer;
  padding: 0.5rem;
  line-height: 1;
}

.nav-toggle:focus {
  outline: 2px solid var(--gold);
  outline-offset: 2px;
}

.mobile-menu {
  display: none;
  background-color: var(--navy-light);
  padding: 1rem 0;
}

.mobile-menu.open {
  display: block;
}

.mobile-menu a {
  display: block;
  padding: 0.75rem 1.5rem;
  color: var(--gray-300);
  font-size: 1rem;
  border-bottom: 1px solid rgba(255,255,255,0.05);
  transition: background 0.2s, color 0.2s;
}

.mobile-menu a:hover,
.mobile-menu a.active {
  color: var(--gold);
  background-color: rgba(212,175,55,0.05);
}

/* --- Buttons --- */
.btn-gold {
  display: inline-block;
  background-color: var(--gold);
  color: var(--navy);
  font-weight: 700;
  padding: 1rem 2rem;
  border-radius: 0.5rem;
  border: none;
  cursor: pointer;
  font-size: 1rem;
  font-family: 'Lato', sans-serif;
  transition: all 0.3s ease;
  text-align: center;
}

.btn-gold:hover {
  background-color: var(--gold-hover);
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(212,175,55,0.3);
}

.btn-gold:focus {
  outline: 3px solid var(--gold-light);
  outline-offset: 2px;
}

.btn-gold.full-width {
  width: 100%;
}

.btn-outline {
  display: inline-block;
  background: transparent;
  color: var(--gold);
  font-weight: 700;
  padding: 1rem 2rem;
  border-radius: 0.5rem;
  border: 2px solid var(--gold);
  cursor: pointer;
  font-size: 1rem;
  font-family: 'Lato', sans-serif;
  transition: all 0.3s ease;
}

.btn-outline:hover {
  background-color: var(--gold);
  color: var(--navy);
}

/* --- Hero Section --- */
.hero {
  background-color: var(--navy);
  color: var(--white);
  padding: 4rem 0;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}

.hero h1 {
  font-size: 3rem;
  margin-bottom: 1.5rem;
  color: var(--gold);
}

.hero .subtitle {
  font-size: 1.375rem;
  margin-bottom: 1rem;
  line-height: 1.6;
}

.hero .description {
  font-size: 1.125rem;
  opacity: 0.9;
  margin-bottom: 2rem;
}

.risk-warning {
  background-color: var(--red-card);
  padding: 1rem 1.25rem;
  border-radius: 0.5rem;
  margin-bottom: 1.5rem;
  border-left: 4px solid #EF4444;
}

.risk-warning p {
  font-size: 0.875rem;
  font-weight: 700;
  line-height: 1.5;
}

/* --- Form Styles --- */
.form-card {
  background: var(--white);
  padding: 2rem;
  border-radius: 0.75rem;
  box-shadow: 0 10px 30px rgba(0,0,0,0.2);
}

.form-card h3 {
  font-size: 1.5rem;
  margin-bottom: 0.5rem;
  color: var(--navy);
}

.form-card .form-subtitle {
  color: var(--gray-600);
  margin-bottom: 1.5rem;
  font-size: 1rem;
}

.form-group {
  margin-bottom: 1rem;
}

.form-group label {
  display: block;
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--gray-700);
  margin-bottom: 0.375rem;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1px solid var(--gray-300);
  border-radius: 0.375rem;
  font-size: 1rem;
  font-family: 'Lato', sans-serif;
  color: var(--gray-800);
  transition: border-color 0.2s, box-shadow 0.2s;
  background-color: var(--white);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(212,175,55,0.2);
}

.form-group textarea {
  resize: vertical;
  min-height: 120px;
}

.form-checkbox {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  margin-bottom: 1.25rem;
}

.form-checkbox input[type="checkbox"] {
  width: auto;
  margin-top: 0.25rem;
  accent-color: var(--gold);
}

.form-checkbox span {
  font-size: 0.8125rem;
  color: var(--gray-600);
  line-height: 1.5;
}

.form-status {
  padding: 0.75rem 1rem;
  border-radius: 0.375rem;
  margin-top: 1rem;
  font-size: 0.875rem;
  font-weight: 600;
  display: none;
}

.form-status.success {
  display: block;
  background-color: #DCFCE7;
  color: #166534;
  border: 1px solid #86EFAC;
}

.form-status.error {
  display: block;
  background-color: #FEE2E2;
  color: #991B1B;
  border: 1px solid #FCA5A5;
}

/* --- Sections --- */
.section {
  padding: 4rem 0;
}

.section-navy {
  background-color: var(--navy);
  color: var(--white);
}

.section-dark {
  background-color: var(--gray-900);
  color: var(--white);
}

.section-white {
  background-color: var(--white);
}

.section-gray {
  background-color: var(--gray-100);
}

.section-red {
  background-color: var(--red-bg);
  color: var(--white);
}

.section-title {
  font-size: 2.25rem;
  text-align: center;
  margin-bottom: 3rem;
}

.section-title .gold {
  color: var(--gold);
}

/* --- Grid Layouts --- */
.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 2rem;
}

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
}

/* --- Cards --- */
.card {
  background: var(--white);
  padding: 2rem;
  border-radius: 0.75rem;
  box-shadow: 0 2px 8px rgba(0,0,0,0.08);
  transition: transform 0.3s, box-shadow 0.3s;
}

.card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 24px rgba(0,0,0,0.12);
}

.card-navy {
  background: var(--navy-light);
  color: var(--white);
  padding: 1.5rem;
  border-radius: 0.5rem;
}

.card-red {
  background: var(--red-card);
  color: var(--white);
  padding: 1.25rem;
  border-radius: 0.5rem;
}

.card-bordered {
  background: var(--gray-50);
  padding: 1.5rem;
  border-radius: 0.5rem;
  border-left: 4px solid var(--gold);
}

.card-icon {
  font-size: 2.5rem;
  color: var(--gold);
  margin-bottom: 1rem;
}

.card h3 {
  font-size: 1.375rem;
  margin-bottom: 0.75rem;
}

.card p {
  color: var(--gray-600);
  line-height: 1.7;
}

.card-navy p,
.card-red p {
  color: rgba(255,255,255,0.85);
}

/* --- Step Cards (How It Works) --- */
.step-number {
  font-size: 3rem;
  font-weight: 700;
  color: var(--gold);
  font-family: 'Playfair Display', serif;
  margin-bottom: 0.75rem;
}

.step-card {
  text-align: center;
}

.step-card h3 {
  font-size: 1.25rem;
  margin-bottom: 0.5rem;
}

.step-card p {
  color: rgba(255,255,255,0.8);
}

/* --- List Styles --- */
.check-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  margin-bottom: 0.75rem;
  font-size: 1.0625rem;
}

.check-list li i {
  margin-top: 0.25rem;
  flex-shrink: 0;
}

.check-list .icon-check {
  color: var(--green-600);
}

.check-list .icon-x {
  color: #EF4444;
}

/* --- FAQ Accordion --- */
.faq-item {
  background: var(--white);
  border-radius: 0.5rem;
  margin-bottom: 0.75rem;
  box-shadow: 0 1px 4px rgba(0,0,0,0.06);
  overflow: hidden;
}

.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.25rem 1.5rem;
  background: none;
  border: none;
  cursor: pointer;
  font-family: 'Playfair Display', serif;
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--navy);
  text-align: left;
  transition: background 0.2s;
}

.faq-question:hover {
  background-color: var(--gray-50);
}

.faq-question:focus {
  outline: 2px solid var(--gold);
  outline-offset: -2px;
}

.faq-question i {
  transition: transform 0.3s;
  color: var(--gold);
  flex-shrink: 0;
  margin-left: 1rem;
}

.faq-item.open .faq-question i {
  transform: rotate(180deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, padding 0.3s ease;
}

.faq-item.open .faq-answer {
  max-height: 500px;
  padding: 0 1.5rem 1.25rem;
}

.faq-answer p {
  color: var(--gray-600);
  line-height: 1.7;
}

/* --- Info Box --- */
.info-box {
  padding: 1.5rem 2rem;
  border-radius: 0.5rem;
  margin-bottom: 1.5rem;
}

.info-box-blue {
  background-color: var(--blue-50);
  border-left: 4px solid var(--blue-500);
}

.info-box-yellow {
  background-color: var(--yellow-50);
  border-left: 4px solid var(--yellow-500);
}

.info-box-red {
  background-color: #FEF2F2;
  border-left: 4px solid #EF4444;
}

.info-box h3, .info-box h4 {
  margin-bottom: 0.75rem;
}

/* --- CTA Section --- */
.cta-section {
  text-align: center;
}

.cta-section h2 {
  font-size: 2.25rem;
  margin-bottom: 1rem;
}

.cta-section p {
  font-size: 1.125rem;
  max-width: 640px;
  margin: 0 auto 2rem;
  opacity: 0.9;
}

.cta-section .cta-warning {
  margin-top: 2rem;
  font-size: 0.875rem;
  color: var(--gray-400);
}

/* --- Footer --- */
.footer {
  background-color: var(--gray-900);
  color: var(--gray-300);
  padding: 3rem 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 2rem;
  margin-bottom: 2rem;
}

.footer-brand {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: 1rem;
}

.footer-brand i {
  font-size: 1.5rem;
  color: var(--gold);
}

.footer-brand span {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--white);
  font-family: 'Playfair Display', serif;
}

.footer h4 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 1rem;
  font-family: 'Lato', sans-serif;
}

.footer p, .footer li {
  font-size: 0.875rem;
  line-height: 1.7;
}

.footer a {
  color: var(--gray-400);
  transition: color 0.2s;
}

.footer a:hover {
  color: var(--gold);
}

.footer ul li {
  margin-bottom: 0.5rem;
}

.footer-disclaimer {
  background-color: var(--red-card);
  color: var(--white);
  padding: 1.5rem;
  border-radius: 0.5rem;
  margin-bottom: 1.5rem;
}

.footer-disclaimer h4 {
  font-size: 1rem;
  margin-bottom: 0.75rem;
}

.footer-disclaimer p {
  font-size: 0.8125rem;
  line-height: 1.7;
  opacity: 0.9;
}

.footer-bottom {
  border-top: 1px solid var(--gray-700);
  padding: 1.5rem 0;
  text-align: center;
  font-size: 0.875rem;
  color: var(--gray-500);
}

/* --- Utility Classes --- */
.text-center { text-align: center; }
.text-gold { color: var(--gold); }
.text-white { color: var(--white); }
.text-sm { font-size: 0.875rem; }
.text-lg { font-size: 1.125rem; }
.text-xl { font-size: 1.25rem; }
.font-bold { font-weight: 700; }
.mt-1 { margin-top: 0.25rem; }
.mt-2 { margin-top: 0.5rem; }
.mt-4 { margin-top: 1rem; }
.mt-8 { margin-top: 2rem; }
.mb-2 { margin-bottom: 0.5rem; }
.mb-4 { margin-bottom: 1rem; }
.mb-6 { margin-bottom: 1.5rem; }
.mb-8 { margin-bottom: 2rem; }
.max-w-4xl { max-width: 56rem; margin-left: auto; margin-right: auto; }
.max-w-3xl { max-width: 48rem; margin-left: auto; margin-right: auto; }
.opacity-90 { opacity: 0.9; }

/* --- Focus Styles (Accessibility) --- */
a:focus,
button:focus,
input:focus,
select:focus,
textarea:focus {
  outline: 2px solid var(--gold);
  outline-offset: 2px;
}

/* --- Responsive --- */
@media (max-width: 768px) {
  .nav-links {
    display: none;
  }

  .nav-toggle {
    display: block;
  }

  .hero-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .hero h1 {
    font-size: 2.25rem;
  }

  .grid-2,
  .grid-3,
  .grid-4 {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }

  .section {
    padding: 3rem 0;
  }

  .section-title {
    font-size: 1.75rem;
  }

  .form-card {
    padding: 1.5rem;
  }
}

@media (min-width: 769px) and (max-width: 1024px) {
  .grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }

  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

/* --- Print Styles --- */
@media print {
  .disclaimer-banner,
  .nav,
  .mobile-menu,
  .skip-nav {
    display: none;
  }

  body {
    color: #000;
    background: #fff;
  }
}

/* ── Admin nav link ─────────────────────────────────────────────────── */
.nav-admin-link {
  font-size: 0.75rem !important;
  font-weight: 600 !important;
  letter-spacing: 0.08em !important;
  text-transform: uppercase !important;
  color: var(--gold, #C9A84C) !important;
  border: 1px solid rgba(201,168,76,0.45) !important;
  border-radius: 4px !important;
  padding: 4px 10px !important;
  margin-left: 6px !important;
  transition: background 0.2s, color 0.2s !important;
  opacity: 0.75;
}
.nav-admin-link:hover {
  background: rgba(201,168,76,0.15) !important;
  opacity: 1;
  color: var(--gold, #C9A84C) !important;
}