/* Viglas Financial Group — site styles
   Brand: navy #1D2A3F, copper #B4572B, light copper #E0925F, cream #F4EFE8 */

:root {
  --navy: #1D2A3F;
  --navy-2: #26364F;
  --copper: #B4572B;
  --copper-light: #E0925F;
  --cream: #F4EFE8;
  --cream-2: #EBE4D9;
  --ink: #1D2A3F;
  --muted: #5B6475;
  --line: #E2DBD0;
  --white: #FFFFFF;
  --radius: 18px;
  --radius-sm: 10px;
  --shadow: 0 18px 40px -22px rgba(29, 42, 63, .35);
  --max: 1160px;
  --font: "Manrope", "Segoe UI", system-ui, -apple-system, Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 90px; }
body {
  margin: 0;
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--copper); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--navy); }
h1, h2, h3 { line-height: 1.15; letter-spacing: -0.02em; margin: 0 0 .5em; }
h1 { font-size: clamp(2.4rem, 5vw, 3.8rem); font-weight: 800; }
h2 { font-size: clamp(1.9rem, 3.4vw, 2.6rem); font-weight: 800; }
h3 { font-size: 1.2rem; font-weight: 700; }
p { margin: 0 0 1em; }

.container { width: min(var(--max), 100% - 48px); margin-inline: auto; }
.eyebrow {
  display: inline-block;
  font-size: .78rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase;
  color: var(--copper); margin-bottom: 14px;
}
.lead { font-size: 1.18rem; color: var(--muted); max-width: 60ch; }
.section { padding: 104px 0; }
.section--cream { background: var(--cream); }
.section--navy { background: var(--navy); color: var(--white); }
.section--navy .lead, .section--navy p { color: #C9D0DC; }
.section-head { max-width: 720px; margin-bottom: 56px; }

.skip-link { position: absolute; left: -999px; top: 8px; background: var(--navy); color: #fff; padding: 8px 14px; border-radius: 8px; z-index: 100; }
.skip-link:focus { left: 8px; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 14px 24px; border-radius: 999px;
  font: 700 .98rem/1 var(--font); text-decoration: none;
  border: 2px solid transparent; cursor: pointer;
  transition: background .2s, color .2s, border-color .2s, transform .2s;
}
.btn:hover { transform: translateY(-1px); }
.btn--primary { background: var(--copper); color: #fff; }
.btn--primary:hover { background: #9C4820; color: #fff; }
.btn--ghost { border-color: var(--navy); color: var(--navy); background: transparent; }
.btn--ghost:hover { background: var(--navy); color: #fff; }
.btn--light { background: #fff; color: var(--navy); }
.btn--light:hover { background: var(--cream); color: var(--navy); }
.btn--sm { padding: 10px 18px; font-size: .9rem; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.92); backdrop-filter: blur(10px);
  border-bottom: 1px solid transparent; transition: border-color .2s, box-shadow .2s;
}
.site-header.is-scrolled { border-color: var(--line); box-shadow: 0 6px 20px -16px rgba(29,42,63,.4); }
.topbar { background: var(--navy); color: #C9D0DC; font-size: .85rem; }
.topbar .container { display: flex; justify-content: flex-end; gap: 22px; padding: 7px 0; align-items: center; }
.topbar a { color: #fff; text-decoration: none; font-weight: 600; }
.topbar a:hover { color: var(--copper-light); }
.nav { display: flex; align-items: center; justify-content: space-between; height: 78px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--navy); }
.brand svg { width: 42px; height: auto; }
.brand-text { display: flex; flex-direction: column; line-height: 1; }
.brand-name { font-weight: 800; font-size: 1.55rem; letter-spacing: -0.03em; }
.brand-tag { font-size: .7rem; font-weight: 600; color: var(--muted); margin-top: 4px; letter-spacing: .01em; }
.brand-tag b { color: var(--copper); font-weight: 700; }
.nav-links { display: flex; align-items: center; gap: 30px; list-style: none; margin: 0; padding: 0; }
.nav-links a { color: var(--navy); text-decoration: none; font-weight: 600; font-size: .96rem; }
.nav-links a:not(.btn):hover { color: var(--copper); }
.lang-switch { font-weight: 700; font-size: .85rem; letter-spacing: .06em; border: 1px solid var(--line); border-radius: 999px; padding: 6px 12px; }
.nav-toggle { display: none; background: none; border: 0; padding: 8px; cursor: pointer; color: var(--navy); }
.nav-toggle svg { width: 28px; height: 28px; }

/* Hero */
.hero { background: var(--cream); padding: 88px 0 104px; overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 64px; align-items: center; }
.hero h1 span { color: var(--copper); }
.hero .lead { margin-bottom: 34px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-note { margin-top: 26px; font-size: .92rem; color: var(--muted); display: flex; align-items: center; gap: 10px; }
.hero-note::before { content: ""; width: 26px; height: 2px; background: var(--copper); }
.hero-card {
  position: relative; background: var(--navy); border-radius: 28px; padding: 44px 40px;
  color: #fff; box-shadow: var(--shadow); isolation: isolate; overflow: hidden;
}
.hero-card::before {
  content: ""; position: absolute; inset: 0; z-index: -1; opacity: .5;
  background: repeating-linear-gradient(65deg, transparent 0 46px, rgba(255,255,255,.035) 46px 47px);
}
.hero-card .mark { width: 120px; margin-bottom: 36px; }
.hero-card ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.hero-card li {
  display: flex; align-items: center; justify-content: space-between;
  background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.1);
  border-radius: 12px; padding: 14px 18px; font-weight: 600;
}
.hero-card li small { color: var(--copper-light); font-weight: 700; letter-spacing: .08em; font-size: .72rem; text-transform: uppercase; }

/* Why */
.why-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 72px; align-items: start; }
.quote {
  font-size: clamp(1.3rem, 2.2vw, 1.6rem); line-height: 1.5; font-weight: 500; color: var(--navy);
  border-left: 3px solid var(--copper); padding-left: 28px; margin: 0 0 28px;
}
.signature { display: flex; align-items: center; gap: 14px; }
.signature-avatar { width: 52px; height: 52px; border-radius: 50%; background: var(--navy); display: grid; place-items: center; }
.signature-avatar svg { width: 26px; }
.signature strong { display: block; }
.signature span { color: var(--muted); font-size: .92rem; }
.values { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 48px; }
.value { border-top: 2px solid var(--navy); padding-top: 16px; }
.value h3 { font-size: 1.02rem; margin-bottom: 6px; }
.value p { color: var(--muted); font-size: .95rem; margin: 0; }

/* Services */
.cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 30px 26px; transition: transform .25s, box-shadow .25s, border-color .25s;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: transparent; }
.card-icon { width: 48px; height: 48px; border-radius: 12px; background: var(--cream); display: grid; place-items: center; margin-bottom: 20px; color: var(--copper); }
.card-icon svg { width: 24px; height: 24px; }
.card p { color: var(--muted); font-size: .95rem; margin: 0; }
.card ul { margin: 14px 0 0; padding-left: 18px; color: var(--muted); font-size: .92rem; }

/* Process */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; counter-reset: step; }
.step { position: relative; padding-top: 70px; }
.step::before {
  counter-increment: step; content: "0" counter(step);
  position: absolute; top: 0; left: 0; font-size: 2.6rem; font-weight: 800; color: var(--copper-light);
  letter-spacing: -0.03em;
}
.step h3 { color: #fff; }

/* Partners */
.partners { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.partner {
  display: flex; flex-direction: column; background: #fff; border-radius: var(--radius); padding: 30px 28px;
  border: 1px solid var(--line); text-decoration: none; color: var(--ink);
  transition: transform .25s, box-shadow .25s;
}
.partner:hover { transform: translateY(-4px); box-shadow: var(--shadow); color: var(--ink); }
.partner-role { font-size: .74rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--copper); margin-bottom: 10px; }
.partner h3 { font-size: 1.3rem; }
.partner p { color: var(--muted); font-size: .95rem; flex: 1; }
.partner-link { font-weight: 700; font-size: .92rem; color: var(--navy); }
.partner-link::after { content: " →"; color: var(--copper); }

/* Community + reviews */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.panel { border-radius: 24px; padding: 48px 44px; }
.panel--navy { background: var(--navy); color: #fff; }
.panel--navy p { color: #C9D0DC; }
.panel--cream { background: var(--cream); }
.panel h2 { font-size: clamp(1.6rem, 2.6vw, 2.1rem); }
.stars { display: flex; gap: 4px; color: var(--copper); margin-bottom: 18px; }
.stars svg { width: 22px; height: 22px; }

/* Contact */
.contact-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 64px; align-items: start; }
.contact-list { list-style: none; padding: 0; margin: 28px 0 0; display: grid; gap: 18px; }
.contact-list li { display: flex; gap: 14px; align-items: flex-start; }
.contact-list .ic { width: 42px; height: 42px; flex: none; border-radius: 10px; background: #fff; border: 1px solid var(--line); display: grid; place-items: center; color: var(--copper); }
.contact-list .ic svg { width: 20px; height: 20px; }
.contact-list small { display: block; color: var(--muted); font-size: .82rem; font-weight: 600; text-transform: uppercase; letter-spacing: .08em; }
.contact-list a, .contact-list span.v { color: var(--navy); font-weight: 600; text-decoration: none; }
.form-card { background: #fff; border-radius: 24px; padding: 40px; box-shadow: var(--shadow); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field--full { grid-column: 1 / -1; }
label, legend { font-weight: 700; font-size: .88rem; color: var(--navy); }
input, select, textarea {
  font: 500 1rem var(--font); color: var(--ink);
  border: 1.5px solid var(--line); border-radius: var(--radius-sm); padding: 12px 14px; background: #FCFBF9;
  transition: border-color .2s, box-shadow .2s;
}
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--copper); box-shadow: 0 0 0 4px rgba(180,87,43,.12); background: #fff; }
textarea { min-height: 120px; resize: vertical; }
fieldset { border: 0; padding: 0; margin: 0; }
.choice-row { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 6px; }
.choice { position: relative; }
.choice input { position: absolute; opacity: 0; }
.choice span {
  display: inline-block; padding: 10px 16px; border: 1.5px solid var(--line); border-radius: 999px;
  font-weight: 600; font-size: .92rem; cursor: pointer; transition: all .2s; background: #FCFBF9;
}
.choice input:checked + span { background: var(--navy); color: #fff; border-color: var(--navy); }
.choice input:focus-visible + span { box-shadow: 0 0 0 4px rgba(180,87,43,.25); }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: .88rem; color: var(--muted); font-weight: 500; }
.consent input { margin-top: 4px; width: 18px; height: 18px; accent-color: var(--copper); }
.form-footer { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; margin-top: 8px; }
.form-status { font-weight: 600; font-size: .95rem; margin: 0; }
.form-status.ok { color: #2F7A4D; }
.form-status.err { color: #B23A3A; }
.hp { position: absolute; left: -5000px; }

/* Footer */
.site-footer { background: var(--navy); color: #AEB7C6; font-size: .92rem; padding: 72px 0 36px; }
.footer-grid { display: grid; grid-template-columns: 1.3fr 1fr 1fr; gap: 48px; padding-bottom: 44px; border-bottom: 1px solid rgba(255,255,255,.1); }
.site-footer .brand { color: #fff; }
.site-footer .brand-tag { color: #AEB7C6; }
.site-footer h4 { color: #fff; font-size: .8rem; letter-spacing: .12em; text-transform: uppercase; margin: 0 0 16px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.site-footer a { color: #fff; text-decoration: none; }
.site-footer a:hover { color: var(--copper-light); }
.disclosure { font-size: .8rem; line-height: 1.6; color: #8F9AAD; padding-top: 28px; }
.disclosure p { margin-bottom: .8em; }
.footer-bottom { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; font-size: .82rem; padding-top: 16px; }

/* Legal page */
.legal { padding: 72px 0 104px; }
.legal .container { max-width: 780px; }
.legal h2 { font-size: 1.5rem; margin-top: 2em; }

/* Reveal */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .7s ease, transform .7s ease; }
.reveal.is-visible { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; transition: none; }
  .btn, .card, .partner { transition: none; }
}

/* Responsive */
@media (max-width: 1020px) {
  .cards { grid-template-columns: repeat(2, 1fr); }
  .partners { grid-template-columns: 1fr; }
  .why-grid, .contact-grid, .hero-grid { grid-template-columns: 1fr; gap: 48px; }
  .hero-card { max-width: 520px; }
}
@media (max-width: 860px) {
  .nav-toggle { display: block; }
  .nav-links {
    position: absolute; top: 100%; left: 0; right: 0; flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; border-bottom: 1px solid var(--line); padding: 8px 24px 24px;
    display: none;
  }
  .nav-links.is-open { display: flex; }
  .nav-links li { border-bottom: 1px solid var(--line); }
  .nav-links li:last-child { border: 0; padding-top: 16px; }
  .nav-links a:not(.btn) { display: block; padding: 14px 0; }
  .lang-switch { border: 0; padding: 14px 0 !important; }
  .steps, .split, .values { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .section { padding: 76px 0; }
}
@media (max-width: 560px) {
  body { font-size: 16px; }
  .cards, .form-grid { grid-template-columns: 1fr; }
  .form-card, .panel { padding: 30px 22px; }
  .topbar .container { justify-content: center; gap: 16px; }
  .topbar .hide-sm { display: none; }
  .hero { padding: 56px 0 72px; }
  .hero-card { padding: 32px 26px; }
}