/* ==========================================================
   NJBFS — Nigel J Barling Financial Services
   styles.2026-05-08.css
   Light professional theme — navy + green
   Cache-bust: rename file to today's date on meaningful changes
   ========================================================== */

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* ---------- Design tokens ---------- */
:root {
  --bg:           #ffffff;
  --bg-warm:      #f7f4ef;
  --bg-warm-2:    #eee9df;
  --bg-navy:      #1e3a5f;
  --bg-navy-dk:   #142847;
  --text:         #1c2535;
  --text-muted:   #526070;
  --text-faint:   #9ca3af;
  --heading:      #1e3a5f;
  --accent:       #82b040;
  --accent-light: #97c74d;
  --accent-pale:  #eef5e3;
  --border:       #dde6d0;
  --border-hi:    #a8d070;
  --radius-sm:    4px;
  --radius:       8px;
  --radius-lg:    14px;
  --shadow-sm:    0 1px 3px rgba(30,58,95,0.06);
  --shadow:       0 4px 16px rgba(30,58,95,0.10);
  --shadow-lg:    0 8px 32px rgba(30,58,95,0.14);
}

/* ---------- Typography ---------- */
h1, h2, h3, h4 {
  color: var(--heading);
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -0.02em;
}

p { color: var(--text-muted); line-height: 1.75; }
a { color: var(--accent); text-decoration: none; }
a:hover { color: var(--accent-light); }

strong { color: var(--text); }

/* ---------- Layout ---------- */
.container {
  max-width: 1080px;
  margin: 0 auto;
  padding: 0 2rem;
}

.section       { padding: 5rem 0; }
.section-warm  { background: var(--bg-warm); }
.section-navy  { background: var(--bg-navy); }

.section-photo-dark {
  background-image:
    linear-gradient(rgba(14,25,45,0.78) 0%, rgba(14,25,45,0.85) 100%),
    var(--section-bg-img);
  background-size: cover;
  background-position: center center;
}

/* ---------- Utility ---------- */
.eyebrow {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 0.75rem;
}

.section-title {
  font-size: clamp(1.5rem, 3vw, 2.25rem);
  color: var(--heading);
  margin-bottom: 1rem;
}

.section-title--light { color: #ffffff; }

.section-sub {
  font-size: 1.0625rem;
  color: var(--text-muted);
  max-width: 600px;
  line-height: 1.75;
}

.section-sub--light { color: rgba(255,255,255,0.72); }

.tabular {
  font-variant-numeric: tabular-nums;
  font-feature-settings: "tnum";
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: 0.75rem 1.75rem;
  border-radius: var(--radius);
  font-size: 0.9375rem;
  font-weight: 600;
  letter-spacing: 0.01em;
  cursor: pointer;
  transition: all 0.18s ease;
  text-decoration: none;
  border: none;
  line-height: 1.4;
}

.btn-primary {
  background: var(--accent);
  color: #fff;
}
.btn-primary:hover {
  background: var(--accent-light);
  color: #fff;
  transform: translateY(-1px);
  box-shadow: var(--shadow);
}

.btn-outline {
  background: transparent;
  color: var(--accent);
  border: 1.5px solid var(--accent);
}
.btn-outline:hover {
  background: var(--accent-pale);
  color: var(--accent);
}

.btn-light {
  background: rgba(255,255,255,0.14);
  color: #fff;
  border: 1.5px solid rgba(255,255,255,0.28);
}
.btn-light:hover {
  background: rgba(255,255,255,0.22);
  color: #fff;
}

/* Focus rings */
a:focus-visible,
.btn:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 3px;
}

/* ---------- Nav ---------- */
.site-nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,0.96);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  text-decoration: none;
}

.nav-logo-img {
  height: 44px;
  width: auto;
  display: block;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 2rem;
  list-style: none;
}

.nav-links a {
  color: var(--text);
  font-size: 0.875rem;
  font-weight: 500;
  text-decoration: none;
  transition: color 0.15s;
}

.nav-links a:hover { color: var(--accent); }

.nav-cta { margin-left: 1rem; }

/* ---------- Hero ---------- */
.hero {
  min-height: 88vh;
  display: flex;
  align-items: center;
  padding: 7rem 0 5rem;
  background-image:
    linear-gradient(to bottom, rgba(10,20,35,0.38) 0%, rgba(10,20,35,0.60) 100%),
    url('images/hero.jpg');
  background-size: cover;
  background-position: center 35%;
  background-repeat: no-repeat;
  position: relative;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(255,255,255,0.14);
  border: 1px solid rgba(255,255,255,0.3);
  color: rgba(255,255,255,0.92);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 0.375rem 0.875rem;
  border-radius: 100px;
  margin-bottom: 1.5rem;
}

.hero-title {
  font-size: clamp(2.25rem, 5vw, 3.5rem);
  line-height: 1.08;
  letter-spacing: -0.03em;
  margin-bottom: 1.5rem;
  max-width: 680px;
  color: #ffffff;
}

.hero-title em {
  font-style: normal;
  color: var(--accent-light);
}

.hero-sub {
  font-size: 1.0625rem;
  color: rgba(255,255,255,0.82);
  max-width: 580px;
  line-height: 1.75;
  margin-bottom: 2.5rem;
}

.hero-actions {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
}

/* Hero primary CTA uses accent green; secondary uses ghost-light */
.hero-actions .btn-outline {
  background: rgba(255,255,255,0.10);
  color: #fff;
  border-color: rgba(255,255,255,0.35);
}
.hero-actions .btn-outline:hover {
  background: rgba(255,255,255,0.20);
  color: #fff;
}

.hero-trust {
  display: flex;
  align-items: center;
  gap: 2rem;
  margin-top: 3.5rem;
  padding-top: 2.5rem;
  border-top: 1px solid rgba(255,255,255,0.2);
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  flex-direction: column;
}

.trust-num {
  font-size: 1.75rem;
  font-weight: 700;
  color: #ffffff;
  letter-spacing: -0.03em;
  font-variant-numeric: tabular-nums;
  line-height: 1;
}

.trust-label {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.65);
  font-weight: 500;
  margin-top: 0.25rem;
}

.trust-sep {
  width: 1px;
  height: 36px;
  background: rgba(255,255,255,0.22);
  flex-shrink: 0;
}

/* ---------- Philosophy ---------- */
.philosophy-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: start;
}

.philosophy-left p + p { margin-top: 1rem; }

.philosophy-right {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.philosophy-photo {
  width: 100%;
  aspect-ratio: 4/3;
  object-fit: cover;
  border-radius: var(--radius-lg);
  display: block;
}

.philosophy-callout {
  background: var(--bg-navy);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  color: rgba(255,255,255,0.78);
  font-size: 0.9375rem;
  line-height: 1.75;
}

.philosophy-callout blockquote {
  border-left: 3px solid var(--accent);
  padding-left: 1.125rem;
  margin-bottom: 1.25rem;
  color: rgba(255,255,255,0.88);
  font-style: italic;
  line-height: 1.65;
}

/* ---------- Three pillars ---------- */
.pillars-header { max-width: 640px; }

.pillars-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-top: 3rem;
}

.pillar-card {
  padding: 2rem;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s, transform 0.2s;
}

.pillar-card:hover {
  box-shadow: var(--shadow);
  transform: translateY(-2px);
}

.pillar-icon {
  width: 44px;
  height: 44px;
  background: var(--accent-pale);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  color: var(--accent);
}

.pillar-title {
  font-size: 1.0625rem;
  font-weight: 600;
  color: var(--heading);
  margin-bottom: 0.625rem;
}

.pillar-body {
  font-size: 0.9375rem;
  color: var(--text-muted);
  line-height: 1.7;
}

/* ---------- Services ---------- */
.services-photo,
.team-photo {
  width: 100%;
  height: 260px;
  object-fit: cover;
  object-position: center 40%;
  border-radius: var(--radius-lg);
  display: block;
  margin-top: 2.5rem;
  margin-bottom: 2.5rem;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
  margin-top: 3rem;
}

.service-card {
  padding: 1.75rem;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  border-left: 3px solid var(--accent);
}

.service-title {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--heading);
  margin-bottom: 0.5rem;
}

.service-body {
  font-size: 0.875rem;
  color: var(--text-muted);
  line-height: 1.65;
}

/* ---------- Investment ---------- */
.investment-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: start;
}

.investment-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-top: 2rem;
}

.stat-box {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
}

.stat-num {
  font-size: 1.625rem;
  font-weight: 700;
  color: #fff;
  letter-spacing: -0.03em;
  font-variant-numeric: tabular-nums;
  line-height: 1.15;
}

.stat-label {
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.55);
  margin-top: 0.375rem;
  line-height: 1.5;
}

.approach-list {
  list-style: none;
  margin-top: 0.5rem;
}

.approach-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  padding: 1rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  color: rgba(255,255,255,0.78);
  font-size: 0.9375rem;
  line-height: 1.55;
}

.approach-list li:last-child { border-bottom: none; }

.approach-list li strong { color: #fff; }

.approach-tick {
  width: 22px;
  height: 22px;
  background: rgba(130,176,64,0.2);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
  color: var(--accent);
}

/* ---------- Team ---------- */
.team-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  margin-top: 3rem;
}

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

.team-avatar {
  width: 88px;
  height: 88px;
  border-radius: 50%;
  background: var(--bg-navy);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.125rem;
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--accent);
  letter-spacing: 0.03em;
  border: 3px solid var(--border);
}

.team-name {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--heading);
  margin-bottom: 0.25rem;
}

.team-role {
  font-size: 0.8125rem;
  color: var(--accent);
  font-weight: 500;
  margin-bottom: 0.75rem;
}

.team-bio {
  font-size: 0.8125rem;
  color: var(--text-muted);
  line-height: 1.65;
}

/* ---------- Insights ---------- */
.insights-section {
  padding: 6rem 0;
  background-image:
    linear-gradient(to right, rgba(10,20,35,0.82) 0%, rgba(10,20,35,0.50) 65%, rgba(10,20,35,0.20) 100%),
    url('images/insights.jpg');
  background-size: cover;
  background-position: center center;
  background-attachment: fixed;
}

.insights-inner {
  max-width: 560px;
}

.insights-inner .eyebrow { color: var(--accent-light); }

.insights-inner .section-title { color: #fff; margin-bottom: 1rem; }

.insights-inner p {
  color: rgba(255,255,255,0.75);
  line-height: 1.75;
  margin-bottom: 1rem;
}

.insights-inner p + p { margin-top: 0; }

/* ---------- CTA / Contact ---------- */
.cta-section { padding: 6rem 0; }

.cta-inner {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 3.5rem;
  align-items: center;
}

.cta-title {
  font-size: clamp(1.5rem, 3vw, 2rem);
  color: #fff;
  margin-bottom: 0.875rem;
}

.cta-sub {
  color: rgba(255,255,255,0.75);
  font-size: 1rem;
  line-height: 1.7;
  max-width: 520px;
}

.contact-details {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  flex-shrink: 0;
  min-width: 220px;
}

.contact-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
}

.contact-icon {
  color: var(--accent);
  margin-top: 2px;
  flex-shrink: 0;
}

.contact-label {
  font-size: 0.6875rem;
  color: rgba(255,255,255,0.45);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 0.2rem;
}

.contact-value {
  color: #fff;
  font-size: 0.9375rem;
  font-weight: 500;
  text-decoration: none;
  display: block;
  line-height: 1.45;
}

.contact-value:hover { color: var(--accent); }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--bg-navy-dk);
  padding: 2.5rem 0;
}

.footer-inner {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 2rem;
  flex-wrap: wrap;
}

.footer-brand {
  font-size: 0.875rem;
  font-weight: 600;
  color: rgba(255,255,255,0.65);
  margin-bottom: 0.5rem;
}

.footer-copy {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.38);
  line-height: 1.7;
  max-width: 560px;
}

.footer-right {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.38);
  text-align: right;
  line-height: 1.9;
  flex-shrink: 0;
}

/* ---------- Responsive — 900px ---------- */
@media (max-width: 900px) {
  .nav-links  { display: none; }
  .nav-cta    { display: none; }

  .philosophy-grid  { grid-template-columns: 1fr; gap: 2.5rem; }
  .pillars-grid     { grid-template-columns: 1fr; }
  .services-grid    { grid-template-columns: 1fr 1fr; }
  .investment-inner { grid-template-columns: 1fr; gap: 2.5rem; }
  .investment-stats { grid-template-columns: 1fr 1fr; }
  .team-grid        { grid-template-columns: 1fr 1fr; gap: 2rem; }

  .cta-inner {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }
}

/* ---------- Responsive — 640px ---------- */
@media (max-width: 640px) {
  .container { padding: 0 1.25rem; }
  .section   { padding: 3.5rem 0; }
  .hero      { padding: 3.5rem 0 3rem; }

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

  .hero-actions { flex-direction: column; align-items: flex-start; }
  .hero-trust   { gap: 1.25rem; }
  .trust-sep    { display: none; }

  .contact-details { min-width: unset; }

  .footer-right { text-align: left; }
}