/* =========================================================
   Troy Accounting, Master Stylesheet
   Brand: Authoritative, business-focused, official
   ========================================================= */

:root {
  --navy: #0a2540;
  --navy-dark: #061a30;
  --navy-light: #143a63;
  --gold: #c9a961;
  --gold-light: #e0c896;
  --gold-dark: #a8893f;
  --charcoal: #1a1a1a;
  --slate: #4a5568;
  --slate-light: #718096;
  --bg: #f8f9fa;
  --bg-alt: #eef1f5;
  --white: #ffffff;
  --border: #e2e8f0;
  --success: #2f855a;
  --shadow-sm: 0 1px 3px rgba(10, 37, 64, 0.08);
  --shadow-md: 0 4px 12px rgba(10, 37, 64, 0.10);
  --shadow-lg: 0 14px 40px rgba(10, 37, 64, 0.14);
  --serif: "Playfair Display", "Times New Roman", Georgia, serif;
  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Helvetica, Arial, sans-serif;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--sans);
  color: var(--charcoal);
  background: var(--white);
  line-height: 1.65;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: var(--navy); text-decoration: none; transition: color 0.2s ease; }
a:hover { color: var(--gold-dark); }

h1, h2, h3, h4, h5 {
  font-family: var(--serif);
  color: var(--navy);
  font-weight: 700;
  line-height: 1.25;
  letter-spacing: -0.01em;
}

h1 { font-size: clamp(2.2rem, 4.5vw, 3.6rem); }
h2 { font-size: clamp(1.8rem, 3vw, 2.5rem); margin-bottom: 1rem; }
h3 { font-size: 1.35rem; margin-bottom: 0.6rem; }
h4 { font-size: 1.1rem; margin-bottom: 0.5rem; }

p { margin-bottom: 1rem; color: var(--slate); }

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.container-narrow {
  max-width: 880px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ========== Top Bar ========== */
.topbar {
  background: var(--navy-dark);
  color: var(--bg-alt);
  font-size: 0.85rem;
  padding: 8px 0;
  border-bottom: 1px solid var(--navy-light);
}
.topbar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
}
.topbar a { color: var(--gold-light); }
.topbar a:hover { color: var(--white); }
.topbar .info span { margin-right: 22px; }

/* ========== Header / Navigation ========== */
.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: var(--shadow-sm);
}
.nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 18px 0;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
}
.brand-mark {
  width: 44px;
  height: 44px;
  background: var(--navy);
  color: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--serif);
  font-weight: 700;
  font-size: 1.3rem;
  border: 2px solid var(--gold);
  letter-spacing: -1px;
}
.brand-name {
  font-family: var(--serif);
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
}
.brand-tag {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.18em;
  color: var(--gold-dark);
  margin-top: 4px;
  font-weight: 600;
}
.nav-links {
  display: flex;
  list-style: none;
  gap: 32px;
  align-items: center;
}
.nav-links a {
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--charcoal);
  position: relative;
  padding: 6px 0;
}
.nav-links a.active,
.nav-links a:hover {
  color: var(--navy);
}
.nav-links a.active::after,
.nav-links a:hover::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--gold);
}
.nav-cta {
  background: var(--navy);
  color: var(--white) !important;
  padding: 11px 22px !important;
  font-weight: 600 !important;
  border: 1px solid var(--navy);
  transition: all 0.25s ease;
}
.nav-cta:hover {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--navy) !important;
}
.nav-cta::after { display: none !important; }

/* ========== Buttons ========== */
.btn {
  display: inline-block;
  padding: 14px 30px;
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: 0.02em;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all 0.25s ease;
  font-family: var(--sans);
}
.btn-primary {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}
.btn-primary:hover {
  background: var(--gold-dark);
  border-color: var(--gold-dark);
  color: var(--white);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: var(--white);
}
.btn-outline:hover {
  background: var(--white);
  color: var(--navy);
}
.btn-dark {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-dark:hover {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}

/* ========== Hero ========== */
.hero {
  background:
    linear-gradient(120deg, rgba(10,37,64,0.92), rgba(6,26,48,0.95)),
    radial-gradient(circle at 70% 30%, rgba(201,169,97,0.18), transparent 60%);
  background-color: var(--navy);
  color: var(--white);
  padding: 110px 0 130px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  top: 0; right: 0;
  width: 360px;
  height: 100%;
  background: linear-gradient(90deg, transparent, rgba(201,169,97,0.05));
  pointer-events: none;
}
.hero-eyebrow {
  display: inline-block;
  color: var(--gold);
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.22em;
  font-weight: 600;
  margin-bottom: 18px;
  padding-bottom: 6px;
  border-bottom: 2px solid var(--gold);
}
.hero h1 {
  color: var(--white);
  max-width: 820px;
  margin-bottom: 24px;
}
.hero h1 em {
  color: var(--gold);
  font-style: italic;
  font-weight: 700;
}
.hero p.lead {
  font-size: 1.2rem;
  color: rgba(255,255,255,0.85);
  max-width: 680px;
  margin-bottom: 36px;
  line-height: 1.6;
}
.hero-cta { display: flex; gap: 16px; flex-wrap: wrap; }

/* Hero trust strip */
.trust-strip {
  background: var(--bg-alt);
  border-bottom: 1px solid var(--border);
  padding: 24px 0;
}
.trust-strip .container {
  display: flex;
  justify-content: space-around;
  align-items: center;
  flex-wrap: wrap;
  gap: 24px;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--slate);
  font-size: 0.9rem;
  font-weight: 500;
}
.trust-item svg { color: var(--gold-dark); flex-shrink: 0; }

/* ========== Sections ========== */
section { padding: 90px 0; }
.section-alt { background: var(--bg); }
.section-dark { background: var(--navy); color: var(--white); }
.section-dark h2, .section-dark h3 { color: var(--white); }
.section-dark p { color: rgba(255,255,255,0.78); }

.section-head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 64px;
}
.section-eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.22em;
  color: var(--gold-dark);
  font-weight: 700;
  margin-bottom: 14px;
}
.section-head p {
  font-size: 1.08rem;
  margin-top: 14px;
}

/* ========== Services Grid ========== */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 28px;
}
.service-card {
  background: var(--white);
  padding: 40px 32px;
  border: 1px solid var(--border);
  border-top: 4px solid var(--gold);
  transition: all 0.3s ease;
  position: relative;
}
.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-top-color: var(--navy);
}
.service-icon {
  width: 56px;
  height: 56px;
  background: var(--navy);
  color: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 22px;
}
.service-card h3 {
  font-size: 1.25rem;
  margin-bottom: 12px;
}
.service-card p { font-size: 0.95rem; }
.service-card .more {
  display: inline-block;
  margin-top: 14px;
  font-weight: 600;
  color: var(--navy);
  font-size: 0.9rem;
  letter-spacing: 0.05em;
}
.service-card .more::after {
  content: " →";
  transition: transform 0.2s ease;
  display: inline-block;
}
.service-card:hover .more::after {
  transform: translateX(4px);
}

/* ========== Two-column ========== */
.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.two-col h2 { margin-bottom: 18px; }
.feature-list {
  list-style: none;
  margin-top: 24px;
}
.feature-list li {
  position: relative;
  padding: 14px 0 14px 38px;
  border-bottom: 1px solid var(--border);
  color: var(--charcoal);
  font-weight: 500;
}
.feature-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 26px;
  height: 26px;
  background: var(--gold);
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.85rem;
}

.frame-image {
  background: var(--navy);
  padding: 24px;
  position: relative;
}
.frame-image::before {
  content: "";
  position: absolute;
  top: -16px; left: -16px;
  width: 60%; height: 60%;
  border-top: 3px solid var(--gold);
  border-left: 3px solid var(--gold);
  z-index: 0;
}
.frame-image::after {
  content: "";
  position: absolute;
  bottom: -16px; right: -16px;
  width: 60%; height: 60%;
  border-bottom: 3px solid var(--gold);
  border-right: 3px solid var(--gold);
  z-index: 0;
}
.frame-image .inside {
  position: relative;
  z-index: 1;
  aspect-ratio: 4/3;
  background: var(--white);
  display: flex;
  align-items: stretch;
  justify-content: stretch;
  color: var(--navy);
  overflow: hidden;
  box-shadow: inset 0 0 0 1px rgba(10, 37, 64, 0.05);
}
.frame-image .inside svg.illustration {
  width: 100%;
  height: 100%;
  display: block;
}
.frame-image .inside svg.illustration text {
  font-family: var(--sans);
}

/* ========== Stats ========== */
.stats {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 0;
  border-top: 1px solid rgba(255,255,255,0.12);
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.stat {
  padding: 48px 24px;
  text-align: center;
  border-right: 1px solid rgba(255,255,255,0.12);
}
.stat:last-child { border-right: none; }
.stat-num {
  font-family: var(--serif);
  font-size: 3.2rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 10px;
}
.stat-label {
  text-transform: uppercase;
  letter-spacing: 0.15em;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.75);
  font-weight: 500;
}

/* ========== Process Steps ========== */
.steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 32px;
  margin-top: 40px;
}
.step {
  position: relative;
  padding: 32px 28px;
  background: var(--white);
  border-left: 4px solid var(--gold);
  box-shadow: var(--shadow-sm);
}
.step-num {
  font-family: var(--serif);
  font-size: 2.4rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 12px;
}

/* ========== Testimonials ========== */
.testimonials {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 28px;
}
.testimonial {
  background: var(--white);
  padding: 36px 32px;
  border: 1px solid var(--border);
  position: relative;
}
.testimonial::before {
  content: "“";
  position: absolute;
  top: 4px; left: 18px;
  font-family: var(--serif);
  font-size: 5rem;
  color: var(--gold);
  line-height: 1;
  opacity: 0.6;
}
.testimonial p {
  font-style: italic;
  color: var(--charcoal);
  margin: 18px 0 22px;
  font-size: 1rem;
}
.testimonial-author { display: flex; align-items: center; gap: 14px; }
.testimonial-avatar {
  width: 48px;
  height: 48px;
  background: var(--navy);
  color: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-family: var(--serif);
}
.testimonial-name { font-weight: 700; color: var(--navy); font-size: 0.95rem; }
.testimonial-role { font-size: 0.82rem; color: var(--slate-light); }

/* ========== CTA banner ========== */
.cta-banner {
  background:
    linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  padding: 80px 0;
  text-align: center;
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: "";
  position: absolute;
  top: -50%; right: -10%;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(201,169,97,0.12), transparent 70%);
}
.cta-banner h2 {
  color: var(--white);
  max-width: 720px;
  margin: 0 auto 20px;
}
.cta-banner p {
  color: rgba(255,255,255,0.85);
  font-size: 1.1rem;
  max-width: 620px;
  margin: 0 auto 32px;
}

/* ========== Footer ========== */
.site-footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.7);
  padding: 70px 0 0;
  font-size: 0.92rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 48px;
}
.site-footer h4 {
  color: var(--white);
  font-family: var(--sans);
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.18em;
  margin-bottom: 18px;
  font-weight: 700;
}
.site-footer .brand-name { color: var(--white); }
.site-footer .brand-tag { color: var(--gold); }
.site-footer ul { list-style: none; }
.site-footer ul li { margin-bottom: 10px; }
.site-footer a { color: rgba(255,255,255,0.7); }
.site-footer a:hover { color: var(--gold); }
.footer-bottom {
  margin-top: 50px;
  padding: 22px 0;
  border-top: 1px solid rgba(255,255,255,0.1);
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.5);
}
.disclaimer {
  background: rgba(255,255,255,0.04);
  padding: 14px 0;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.5);
  text-align: center;
  border-top: 1px solid rgba(255,255,255,0.06);
}

/* ========== Page Header (interior pages) ========== */
.page-header {
  background: linear-gradient(120deg, var(--navy), var(--navy-dark));
  color: var(--white);
  padding: 90px 0 80px;
  position: relative;
  border-bottom: 4px solid var(--gold);
}
.page-header h1 {
  color: var(--white);
  max-width: 860px;
}
.breadcrumb {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.6);
  margin-bottom: 18px;
  text-transform: uppercase;
  letter-spacing: 0.12em;
}
.breadcrumb a { color: var(--gold-light); }
.page-header p.lead {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.82);
  max-width: 720px;
  margin-top: 18px;
}

/* ========== Article / Long-form content ========== */
.article {
  padding: 80px 0;
}
.article-content {
  max-width: 760px;
  margin: 0 auto;
}
.article-meta {
  display: flex;
  gap: 18px;
  font-size: 0.85rem;
  color: var(--slate-light);
  margin-bottom: 22px;
  text-transform: uppercase;
  letter-spacing: 0.1em;
}
.article-meta .tag {
  background: var(--gold);
  color: var(--navy);
  padding: 3px 10px;
  font-weight: 700;
}
.article-content h2 {
  margin-top: 44px;
  margin-bottom: 16px;
  font-size: 1.7rem;
}
.article-content h3 {
  margin-top: 30px;
  font-size: 1.25rem;
}
.article-content p { font-size: 1.05rem; line-height: 1.75; }
.article-content ul,
.article-content ol {
  margin: 12px 0 22px 22px;
  color: var(--slate);
}
.article-content li { margin-bottom: 8px; font-size: 1.02rem; line-height: 1.7; }
.callout {
  background: var(--bg-alt);
  border-left: 4px solid var(--gold);
  padding: 22px 26px;
  margin: 30px 0;
}
.callout strong { color: var(--navy); }

/* ========== Blog Grid ========== */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 32px;
}
.blog-card {
  background: var(--white);
  border: 1px solid var(--border);
  overflow: hidden;
  transition: all 0.3s ease;
  display: flex;
  flex-direction: column;
}
.blog-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.blog-thumb {
  height: 180px;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
}
.blog-thumb svg { color: var(--gold); opacity: 0.85; }
.blog-thumb .tag {
  position: absolute;
  top: 16px; left: 16px;
  background: var(--gold);
  color: var(--navy);
  padding: 4px 12px;
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-weight: 700;
}
.blog-card .body { padding: 24px 26px 28px; flex: 1; display: flex; flex-direction: column; }
.blog-card .date { font-size: 0.8rem; color: var(--slate-light); margin-bottom: 8px; text-transform: uppercase; letter-spacing: 0.1em; }
.blog-card h3 { font-size: 1.2rem; margin-bottom: 10px; flex: 0; }
.blog-card p { font-size: 0.95rem; flex: 1; }
.blog-card .more {
  display: inline-block;
  margin-top: 14px;
  color: var(--navy);
  font-weight: 600;
  font-size: 0.88rem;
}
.blog-card .more::after { content: " →"; }

/* ========== Forms ========== */
.contact-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 56px;
}
form.contact-form { display: grid; gap: 18px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 6px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
input, select, textarea {
  width: 100%;
  padding: 13px 14px;
  border: 1px solid var(--border);
  background: var(--white);
  font-family: var(--sans);
  font-size: 0.96rem;
  color: var(--charcoal);
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}
input:focus, select:focus, textarea:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(10, 37, 64, 0.1);
}
textarea { resize: vertical; min-height: 130px; }

.contact-info {
  background: var(--navy);
  color: var(--white);
  padding: 44px 36px;
  height: fit-content;
}
.contact-info h3 { color: var(--white); margin-bottom: 22px; }
.contact-info p { color: rgba(255,255,255,0.82); }
.contact-block { margin-bottom: 26px; }
.contact-block strong {
  display: block;
  color: var(--gold);
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  margin-bottom: 6px;
}

/* ========== FAQ ========== */
.faq { max-width: 820px; margin: 0 auto; }
.faq-item {
  border-bottom: 1px solid var(--border);
  padding: 22px 0;
}
.faq-item h3 { font-size: 1.15rem; margin-bottom: 10px; }
.faq-item p { font-size: 1rem; }

/* ========== Values / Cards ========== */
.values-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 24px;
  margin-top: 40px;
}
.value-card {
  text-align: center;
  padding: 32px 22px;
}
.value-icon {
  width: 64px;
  height: 64px;
  margin: 0 auto 18px;
  background: var(--bg-alt);
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  border: 2px solid var(--gold);
}

/* ========== Responsive ========== */
@media (max-width: 880px) {
  .two-col { grid-template-columns: 1fr; gap: 40px; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .nav-links { display: none; }
  .form-row { grid-template-columns: 1fr; }
  section { padding: 70px 0; }
  .hero { padding: 80px 0 90px; }
  .stat { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.12); }
  .stat:last-child { border-bottom: none; }
}
@media (max-width: 520px) {
  .footer-grid { grid-template-columns: 1fr; }
  .topbar .info { display: none; }
}


/* ========== Accessibility ========== */
.skip-link {
  position: absolute;
  top: -40px;
  left: 8px;
  background: var(--navy);
  color: var(--gold);
  padding: 10px 18px;
  z-index: 9999;
  font-weight: 700;
  text-decoration: none;
  font-family: var(--sans);
  letter-spacing: 0.05em;
  transition: top 0.18s ease;
}
.skip-link:focus {
  top: 8px;
  outline: 3px solid var(--gold);
}
:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 2px;
}
@media (prefers-reduced-motion: reduce) {
  * { animation-duration: 0.01ms !important; animation-iteration-count: 1 !important; transition-duration: 0.01ms !important; scroll-behavior: auto !important; }
}

/* ============================================================
   COOKIE CONSENT BANNER
   ============================================================ */
.cookie-banner {
  position: fixed; left: 0; right: 0; bottom: 0;
  background: #0a2540; color: #fff;
  border-top: 3px solid #c9a961;
  z-index: 9998;
  padding: 22px 28px;
  display: none;
  box-shadow: 0 -8px 30px rgba(0,0,0,0.25);
  font-family: var(--sans);
}
.cookie-banner.show { display: block; animation: cookieSlideUp 0.4s ease; }
@keyframes cookieSlideUp { from { transform: translateY(100%); } to { transform: translateY(0); } }
.cookie-banner .cookie-wrap {
  max-width: 1200px; margin: 0 auto;
  display: grid; grid-template-columns: 1fr auto; gap: 24px; align-items: center;
}
@media (max-width: 720px) { .cookie-banner .cookie-wrap { grid-template-columns: 1fr; } }
.cookie-banner h3 { color: #c9a961; font-family: var(--serif); font-size: 1.1rem; margin-bottom: 4px; }
.cookie-banner p { color: rgba(255,255,255,0.82); font-size: 0.92rem; margin-bottom: 0; }
.cookie-banner p a { color: #c9a961; text-decoration: underline; }
.cookie-actions { display: flex; gap: 10px; flex-wrap: wrap; align-items: center; }
.cookie-actions button {
  font-family: var(--sans); font-weight: 600; font-size: 0.88rem;
  padding: 11px 20px; border: none; cursor: pointer;
  letter-spacing: 0.04em; transition: all 0.18s ease;
}
.cookie-actions .btn-accept { background: #c9a961; color: #0a2540; }
.cookie-actions .btn-accept:hover { background: #e0c896; }
.cookie-actions .btn-reject { background: transparent; color: #fff; border: 1px solid rgba(255,255,255,0.3); }
.cookie-actions .btn-reject:hover { border-color: #fff; }
.cookie-actions .btn-custom { background: transparent; color: #c9a961; text-decoration: underline; padding: 11px 4px; }

.cookie-modal {
  position: fixed; inset: 0;
  background: rgba(0,0,0,0.55);
  z-index: 9999; display: none; align-items: center; justify-content: center;
  padding: 20px;
}
.cookie-modal.show { display: flex; }
.cookie-modal-inner {
  background: #fff; max-width: 540px; width: 100%;
  padding: 36px 32px; box-shadow: 0 30px 60px rgba(0,0,0,0.35);
  max-height: 86vh; overflow-y: auto;
}
.cookie-modal-inner h2 { color: var(--navy); margin-bottom: 10px; font-size: 1.4rem; }
.cookie-modal-inner > p { color: var(--slate); font-size: 0.95rem; margin-bottom: 22px; }
.cookie-cat { border: 1px solid var(--border); padding: 16px 18px; margin-bottom: 10px; }
.cookie-cat-head { display: flex; justify-content: space-between; align-items: center; gap: 16px; }
.cookie-cat-head strong { color: var(--navy); font-size: 1rem; }
.cookie-cat-head .toggle { display: inline-flex; align-items: center; gap: 8px; font-size: 0.82rem; color: var(--slate); }
.cookie-cat-head input[type="checkbox"] { width: 38px; height: 22px; appearance: none; background: #ccc; border-radius: 11px; position: relative; cursor: pointer; transition: background 0.2s; }
.cookie-cat-head input[type="checkbox"]:checked { background: var(--gold); }
.cookie-cat-head input[type="checkbox"]::before { content: ""; position: absolute; width: 18px; height: 18px; background: #fff; border-radius: 50%; top: 2px; left: 2px; transition: left 0.2s; }
.cookie-cat-head input[type="checkbox"]:checked::before { left: 18px; }
.cookie-cat-head input[type="checkbox"]:disabled { background: var(--navy); cursor: not-allowed; }
.cookie-cat-head input[type="checkbox"]:disabled::before { left: 18px; }
.cookie-cat p { font-size: 0.85rem; color: var(--slate); margin-top: 8px; margin-bottom: 0; }
.cookie-modal-actions { display: flex; gap: 10px; margin-top: 22px; justify-content: flex-end; }
.cookie-modal-actions button { font-family: var(--sans); font-weight: 600; font-size: 0.88rem; padding: 11px 20px; border: none; cursor: pointer; }
.cookie-modal-actions .save { background: var(--navy); color: #fff; }
.cookie-modal-actions .cancel { background: transparent; color: var(--slate); }

/* ============================================================
   NEW NAVIGATION (with dropdown / mega-menu)
   ============================================================ */
.site-header { border-bottom: 1px solid var(--border); position: sticky; top: 0; z-index: 900; background: #fff; }
.nav-links { display: flex; gap: 8px; list-style: none; margin: 0; padding: 0; align-items: center; }
.nav-links > li { position: relative; }
.nav-links > li > a { padding: 12px 14px; color: var(--charcoal); font-weight: 500; font-size: 0.95rem; border-radius: 4px; transition: all 0.18s; display: inline-flex; align-items: center; gap: 4px; }
.nav-links > li > a:hover, .nav-links > li > a.active { color: var(--navy); background: rgba(10,37,64,0.04); }
.nav-links > li > a.nav-cta { background: var(--gold); color: var(--navy); font-weight: 700; padding: 11px 22px; }
.nav-links > li > a.nav-cta:hover { background: var(--gold-dark); color: var(--white); }
.has-dropdown > a::after { content: "▾"; font-size: 0.65rem; margin-left: 3px; opacity: 0.6; }
.dropdown {
  position: absolute; top: 100%; left: 0;
  background: #fff; border: 1px solid var(--border);
  box-shadow: 0 14px 36px rgba(10,37,64,0.12);
  min-width: 240px; padding: 10px 0;
  opacity: 0; visibility: hidden; transform: translateY(-6px);
  transition: opacity 0.18s, transform 0.18s, visibility 0.18s;
  z-index: 800;
}
.has-dropdown:hover .dropdown, .has-dropdown:focus-within .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown a { display: block; padding: 10px 18px; color: var(--charcoal); font-size: 0.92rem; font-weight: 500; }
.dropdown a:hover { background: var(--bg-alt); color: var(--navy); }
.dropdown .dropdown-head { padding: 8px 18px 4px; font-size: 0.7rem; font-weight: 700; color: var(--gold-dark); text-transform: uppercase; letter-spacing: 0.14em; }
.mega { min-width: 480px; padding: 18px 8px; }
.mega .mega-cols { display: grid; grid-template-columns: 1fr 1fr; gap: 8px 24px; }

/* Mobile hamburger */
.menu-toggle { display: none; background: none; border: none; padding: 10px; cursor: pointer; }
.menu-toggle span { display: block; width: 22px; height: 2px; background: var(--navy); margin: 4px 0; transition: all 0.2s; }
.menu-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
.menu-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.menu-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }

@media (max-width: 980px) {
  .menu-toggle { display: block; }
  .nav-links { position: absolute; top: 100%; left: 0; right: 0; background: #fff; flex-direction: column; align-items: stretch; padding: 14px; border-top: 1px solid var(--border); box-shadow: 0 10px 30px rgba(0,0,0,0.1); display: none; gap: 0; }
  .nav-links.open { display: flex; }
  .nav-links > li > a { padding: 14px 18px; }
  .has-dropdown > a::after { float: right; }
  .dropdown { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: none; padding: 0 0 0 18px; max-height: 0; overflow: hidden; transition: max-height 0.3s; }
  .has-dropdown.open .dropdown { max-height: 700px; }
  .mega { min-width: 0; padding: 0 0 0 18px; }
  .mega .mega-cols { grid-template-columns: 1fr; }
}

/* ============================================================
   NEW FOOTER
   ============================================================ */
.site-footer { background: #061a30; color: rgba(255,255,255,0.7); padding-top: 60px; font-size: 0.92rem; margin-top: 80px; border-top: 4px solid var(--gold); }
.footer-grid-new { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr 1fr; gap: 36px; padding-bottom: 36px; border-bottom: 1px solid rgba(255,255,255,0.08); }
@media (max-width: 1000px) { .footer-grid-new { grid-template-columns: 1fr 1fr 1fr; } }
@media (max-width: 640px) { .footer-grid-new { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .footer-grid-new { grid-template-columns: 1fr; } }
.site-footer h4 { color: #fff; font-family: var(--sans); font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.18em; margin-bottom: 18px; font-weight: 700; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer ul li { margin-bottom: 10px; }
.site-footer a { color: rgba(255,255,255,0.7); text-decoration: none; transition: color 0.18s; }
.site-footer a:hover { color: var(--gold); }
.footer-newsletter { padding: 32px 0; border-bottom: 1px solid rgba(255,255,255,0.08); display: grid; grid-template-columns: 1fr auto; gap: 24px; align-items: center; }
@media (max-width: 720px) { .footer-newsletter { grid-template-columns: 1fr; } }
.footer-newsletter h3 { color: #fff; font-family: var(--serif); font-size: 1.3rem; margin-bottom: 4px; }
.footer-newsletter p { color: rgba(255,255,255,0.7); margin-bottom: 0; font-size: 0.92rem; }
.footer-newsletter form { display: flex; gap: 8px; min-width: 320px; }
.footer-newsletter input { flex: 1; padding: 12px 14px; border: 1px solid rgba(255,255,255,0.15); background: rgba(255,255,255,0.05); color: #fff; font-family: var(--sans); font-size: 0.92rem; }
.footer-newsletter input::placeholder { color: rgba(255,255,255,0.4); }
.footer-newsletter button { padding: 12px 22px; background: var(--gold); color: var(--navy); border: none; font-weight: 700; cursor: pointer; font-family: var(--sans); font-size: 0.88rem; letter-spacing: 0.04em; }
.footer-newsletter button:hover { background: var(--gold-dark); color: #fff; }
.footer-trust { padding: 24px 0; display: flex; gap: 32px; flex-wrap: wrap; justify-content: center; align-items: center; border-bottom: 1px solid rgba(255,255,255,0.08); }
.trust-badge { display: flex; align-items: center; gap: 8px; color: rgba(255,255,255,0.6); font-size: 0.82rem; font-weight: 600; letter-spacing: 0.06em; }
.trust-badge svg { color: var(--gold); }
.footer-bottom { padding: 22px 0; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; font-size: 0.82rem; color: rgba(255,255,255,0.5); }
.footer-bottom .bottom-links { display: flex; gap: 18px; flex-wrap: wrap; }
.footer-bottom .bottom-links a { color: rgba(255,255,255,0.55); }
.back-to-top { position: fixed; bottom: 100px; right: 28px; width: 44px; height: 44px; background: var(--navy); color: var(--gold); border: 1px solid var(--gold); display: none; align-items: center; justify-content: center; cursor: pointer; z-index: 700; transition: all 0.18s; }
.back-to-top.show { display: flex; }
.back-to-top:hover { background: var(--gold); color: var(--navy); }
.disclaimer { background: rgba(0,0,0,0.25); padding: 16px 0; font-size: 0.78rem; color: rgba(255,255,255,0.5); text-align: center; }


/* ============================================================
   STICKY BOTTOM CTA BAR + MOBILE CTA + EXIT INTENT
   ============================================================ */
.sticky-cta-bar {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 850;
  background: linear-gradient(90deg, #0a2540 0%, #143a63 100%);
  color: #fff; padding: 12px 24px;
  display: none; align-items: center; justify-content: space-between; gap: 18px;
  box-shadow: 0 -6px 20px rgba(0,0,0,0.18);
  font-family: var(--sans);
  transform: translateY(100%);
  transition: transform 0.35s ease;
}
.sticky-cta-bar.show { display: flex; transform: translateY(0); }
.sticky-cta-bar .cta-msg { font-weight: 600; font-size: 0.95rem; }
.sticky-cta-bar .cta-msg strong { color: var(--gold); }
.sticky-cta-bar .cta-actions { display: flex; gap: 10px; align-items: center; }
.sticky-cta-bar a.primary {
  background: var(--gold); color: var(--navy); padding: 10px 22px;
  font-weight: 700; font-size: 0.9rem; letter-spacing: 0.04em;
  text-decoration: none; white-space: nowrap;
}
.sticky-cta-bar a.primary:hover { background: var(--gold-light); }
.sticky-cta-bar a.secondary {
  color: rgba(255,255,255,0.8); padding: 10px 12px; font-size: 0.88rem;
  text-decoration: none; white-space: nowrap;
}
.sticky-cta-bar a.secondary:hover { color: #fff; }
.sticky-cta-bar .close-btn {
  background: none; border: none; color: rgba(255,255,255,0.5); cursor: pointer;
  padding: 6px 10px; font-size: 1.1rem; line-height: 1;
}
.sticky-cta-bar .close-btn:hover { color: #fff; }
@media (max-width: 640px) {
  .sticky-cta-bar { padding: 10px 14px; }
  .sticky-cta-bar .cta-msg { display: none; }
  .sticky-cta-bar .cta-actions { width: 100%; justify-content: center; }
  .sticky-cta-bar a.secondary { display: none; }
  .sticky-cta-bar a.primary { flex: 1; text-align: center; padding: 12px 16px; }
}
.sticky-cta-bar.shifted .back-to-top { bottom: 160px; }

/* Exit intent modal */
.exit-modal {
  position: fixed; inset: 0; background: rgba(0,0,0,0.65);
  z-index: 9999; display: none; align-items: center; justify-content: center;
  padding: 24px;
}
.exit-modal.show { display: flex; }
.exit-modal-inner {
  background: #fff; max-width: 520px; width: 100%;
  padding: 0; overflow: hidden;
  box-shadow: 0 30px 80px rgba(0,0,0,0.5);
}
.exit-modal-inner .header-bar {
  background: linear-gradient(90deg, #0a2540, #143a63); color: #fff;
  padding: 22px 28px; position: relative;
}
.exit-modal-inner .header-bar h2 {
  color: #fff; margin-bottom: 4px; font-size: 1.4rem;
}
.exit-modal-inner .header-bar p { color: rgba(255,255,255,0.78); margin: 0; font-size: 0.92rem; }
.exit-modal-inner .body { padding: 28px; }
.exit-modal-inner .close { position: absolute; top: 14px; right: 16px; background: none; border: none; color: rgba(255,255,255,0.6); cursor: pointer; font-size: 1.4rem; }
.exit-modal-inner .close:hover { color: #fff; }
.exit-modal-inner ul { list-style: none; padding: 0; margin: 0 0 20px; }
.exit-modal-inner ul li { padding: 8px 0 8px 28px; position: relative; font-size: 0.95rem; color: var(--charcoal); }
.exit-modal-inner ul li::before { content: "✓"; position: absolute; left: 0; color: var(--gold-dark); font-weight: 700; }
.exit-modal-inner form { display: flex; gap: 8px; }
.exit-modal-inner input { flex: 1; padding: 14px; border: 1px solid var(--border); font-family: var(--sans); font-size: 0.95rem; }
.exit-modal-inner button { padding: 14px 22px; background: var(--gold); color: var(--navy); border: none; font-weight: 700; cursor: pointer; font-family: var(--sans); }
.exit-modal-inner button:hover { background: var(--gold-light); }
.exit-modal-inner .footnote { font-size: 0.8rem; color: var(--slate-light); margin-top: 14px; }