/* ============================================================
   PJD Financial Capital — Theme
   Established / corporate. Deep navy + refined green palette.
   ============================================================ */

:root {
	/* Brand */
	--green: #1f7a48;
	--green-dark: #15602f;
	--green-deep: #103d27;

	/* Ink / navy */
	--ink: #0d2336;
	--ink-soft: #1b3b52;
	--ink-line: #21455f;

	/* Neutrals */
	--text: #1c2b36;
	--muted: #576573;
	--border: #dbe2e8;
	--bg: #ffffff;
	--surface: #ffffff;
	--surface-soft: #f4f7f6;
	--surface-warm: #f7f5ef;

	/* Accents */
	--green-tint: #e9f3ec;
	--green-tint-border: #c6e0cd;

	/* Type */
	--font-serif: "Source Serif 4", Georgia, "Times New Roman", serif;
	--font-sans: "Inter", "Segoe UI", "Helvetica Neue", Arial, sans-serif;

	/* Layout */
	--header-h: 74px;
	--shadow-sm: 0 2px 10px rgba(13, 35, 54, 0.06);
	--shadow-md: 0 14px 34px rgba(13, 35, 54, 0.12);
}

* {
	box-sizing: border-box;
}

html {
	scroll-behavior: smooth;
}

body {
	margin: 0;
	font-family: var(--font-sans);
	color: var(--text);
	background: var(--bg);
	line-height: 1.65;
	-webkit-font-smoothing: antialiased;
}

h1, h2, h3 {
	font-family: var(--font-serif);
	color: var(--ink);
	font-weight: 600;
	letter-spacing: -0.012em;
	line-height: 1.18;
	margin: 0;
}

p {
	margin: 0;
}

a {
	color: var(--green-dark);
}

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

.container {
	width: min(1160px, 92%);
	margin: 0 auto;
}

/* ---------- Shared section / typography ---------- */

.section {
	padding: 78px 0;
	scroll-margin-top: var(--header-h);
}

.section--soft {
	background: var(--surface-soft);
}

.section-head {
	max-width: 720px;
	margin-bottom: 42px;
}

.section-head--center {
	margin-left: auto;
	margin-right: auto;
	text-align: center;
}

.eyebrow {
	display: inline-block;
	font-size: 0.74rem;
	font-weight: 700;
	letter-spacing: 0.16em;
	text-transform: uppercase;
	color: var(--green-dark);
	margin-bottom: 14px;
}

.eyebrow::before {
	content: "";
	display: inline-block;
	width: 26px;
	height: 2px;
	background: var(--green);
	vertical-align: middle;
	margin-right: 10px;
	margin-bottom: 3px;
}

.section-title {
	font-size: clamp(1.7rem, 3vw, 2.4rem);
}

.section-intro {
	margin-top: 14px;
	color: var(--muted);
	font-size: 1.05rem;
}

/* ---------- Buttons ---------- */

.btn {
	display: inline-flex;
	align-items: center;
	justify-content: center;
	gap: 8px;
	font-family: var(--font-sans);
	font-size: 0.95rem;
	font-weight: 600;
	text-decoration: none;
	border-radius: 4px;
	padding: 12px 22px;
	border: 1.5px solid transparent;
	cursor: pointer;
	transition: background 0.18s ease, color 0.18s ease,
		border-color 0.18s ease, transform 0.18s ease;
}

.btn-primary {
	background: var(--green);
	color: #fff;
}

.btn-primary:hover {
	background: var(--green-dark);
	transform: translateY(-2px);
}

.btn-outline {
	background: transparent;
	color: var(--ink);
	border-color: var(--border);
}

.btn-outline:hover {
	border-color: var(--green);
	color: var(--green-dark);
}

.btn-light {
	background: #fff;
	color: var(--ink);
}

.btn-light:hover {
	background: var(--green-tint);
	transform: translateY(-2px);
}

.btn-ghost-light {
	background: transparent;
	color: #fff;
	border-color: rgba(255, 255, 255, 0.4);
}

.btn-ghost-light:hover {
	border-color: #fff;
	background: rgba(255, 255, 255, 0.08);
}

/* ---------- Utility bar ---------- */

.utility-bar {
	background: var(--ink);
	color: #c3d2dd;
	font-size: 0.82rem;
}

.utility-inner {
	display: flex;
	justify-content: space-between;
	align-items: center;
	gap: 16px;
	padding: 8px 0;
}

.utility-bar strong {
	color: #fff;
	font-weight: 600;
}

.utility-contact {
	display: flex;
	gap: 22px;
}

.utility-contact a {
	color: #c3d2dd;
	text-decoration: none;
	transition: color 0.18s ease;
}

.utility-contact a:hover {
	color: #fff;
}

/* ---------- Header / nav ---------- */

.site-header {
	position: sticky;
	top: 0;
	z-index: 50;
	background: rgba(255, 255, 255, 0.97);
	backdrop-filter: blur(6px);
	border-bottom: 1px solid var(--border);
	transition: box-shadow 0.2s ease;
}

.site-header.scrolled {
	box-shadow: var(--shadow-sm);
}

.header-inner {
	display: flex;
	align-items: center;
	justify-content: space-between;
	height: var(--header-h);
	gap: 20px;
}

.brand {
	display: inline-flex;
	align-items: center;
}

.brand-logo {
	width: auto;
	height: 42px;
}

.nav {
	display: flex;
	align-items: center;
	gap: 30px;
}

.nav-links {
	display: flex;
	gap: 28px;
	list-style: none;
	margin: 0;
	padding: 0;
}

.nav-links a {
	position: relative;
	color: var(--ink);
	text-decoration: none;
	font-size: 0.93rem;
	font-weight: 500;
	padding: 4px 0;
	transition: color 0.18s ease;
}

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

.nav-links a::after {
	content: "";
	position: absolute;
	left: 0;
	bottom: -2px;
	width: 0;
	height: 2px;
	background: var(--green);
	transition: width 0.2s ease;
}

.nav-links a:hover::after,
.nav-links a.active::after {
	width: 100%;
}

.nav-toggle {
	display: none;
	flex-direction: column;
	gap: 5px;
	background: none;
	border: 0;
	padding: 8px;
	cursor: pointer;
}

.nav-toggle span {
	width: 24px;
	height: 2px;
	background: var(--ink);
	transition: transform 0.2s ease, opacity 0.2s ease;
}

/* ---------- Hero ---------- */

.hero {
	background:
		radial-gradient(900px 420px at 88% -10%, rgba(31, 122, 72, 0.10), transparent 70%),
		linear-gradient(180deg, #ffffff 0%, var(--surface-soft) 100%);
	border-bottom: 1px solid var(--border);
}

.hero-inner {
	display: grid;
	grid-template-columns: 1.05fr 0.95fr;
	gap: 56px;
	align-items: center;
	padding: 76px 0 70px;
}

.hero-badge {
	display: inline-flex;
	align-items: center;
	gap: 8px;
	font-size: 0.76rem;
	font-weight: 700;
	letter-spacing: 0.12em;
	text-transform: uppercase;
	color: var(--green-dark);
	background: var(--green-tint);
	border: 1px solid var(--green-tint-border);
	padding: 7px 14px;
	border-radius: 999px;
}

.hero h1 {
	margin: 20px 0 18px;
	font-size: clamp(2.1rem, 4.4vw, 3.35rem);
}

.hero-lead {
	color: var(--muted);
	font-size: 1.12rem;
	max-width: 56ch;
}

.hero-actions {
	display: flex;
	gap: 14px;
	flex-wrap: wrap;
	margin-top: 30px;
}

.hero-figure {
	position: relative;
}

.hero-figure img {
	width: 100%;
	height: 430px;
	object-fit: cover;
	border-radius: 10px;
	box-shadow: var(--shadow-md);
}

.hero-figure::before {
	content: "";
	position: absolute;
	left: -18px;
	top: -18px;
	width: 120px;
	height: 120px;
	border-top: 3px solid var(--green);
	border-left: 3px solid var(--green);
	border-radius: 10px 0 0 0;
}

.hero-stamp {
	position: absolute;
	right: -14px;
	bottom: -26px;
	background: var(--ink);
	color: #fff;
	padding: 16px 22px;
	border-radius: 8px;
	box-shadow: var(--shadow-md);
}

.hero-stamp strong {
	display: block;
	font-family: var(--font-serif);
	font-size: 1.5rem;
}

.hero-stamp span {
	font-size: 0.78rem;
	letter-spacing: 0.08em;
	text-transform: uppercase;
	color: #9fb6c4;
}

/* ---------- Credentials strip ---------- */

.credentials {
	background: var(--ink);
	color: #fff;
}

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

.credential {
	padding: 30px 26px;
	border-right: 1px solid var(--ink-line);
}

.credential:last-child {
	border-right: 0;
}

.credential h3 {
	color: #fff;
	font-size: 1.04rem;
	margin-bottom: 4px;
}

.credential p {
	color: #9fb6c4;
	font-size: 0.9rem;
}

/* ---------- Services ---------- */

.service-grid {
	display: grid;
	grid-template-columns: repeat(2, 1fr);
	gap: 24px;
}

.service-card {
	position: relative;
	background: var(--surface);
	border: 1px solid var(--border);
	border-radius: 8px;
	padding: 32px 30px;
	transition: transform 0.2s ease, box-shadow 0.2s ease,
		border-color 0.2s ease;
}

.service-card::before {
	content: "";
	position: absolute;
	left: 0;
	top: 0;
	width: 100%;
	height: 3px;
	background: var(--green);
	border-radius: 8px 8px 0 0;
	transform: scaleX(0);
	transform-origin: left;
	transition: transform 0.25s ease;
}

.service-card:hover {
	transform: translateY(-4px);
	box-shadow: var(--shadow-md);
	border-color: var(--green-tint-border);
}

.service-card:hover::before {
	transform: scaleX(1);
}

.service-index {
	font-family: var(--font-serif);
	font-size: 0.95rem;
	font-weight: 600;
	color: var(--green);
	letter-spacing: 0.04em;
}

.service-card h3 {
	font-size: 1.28rem;
	margin: 10px 0 10px;
}

.service-card p {
	color: var(--muted);
}

.service-list {
	margin: 16px 0 0;
	padding: 0;
	list-style: none;
}

.service-list li {
	position: relative;
	padding-left: 24px;
	margin-top: 9px;
	color: var(--text);
	font-size: 0.95rem;
}

.service-list li::before {
	content: "";
	position: absolute;
	left: 0;
	top: 9px;
	width: 8px;
	height: 8px;
	background: var(--green);
	border-radius: 2px;
	transform: rotate(45deg);
}

/* ---------- Why PJD ---------- */

.why-inner {
	display: grid;
	grid-template-columns: 0.95fr 1.05fr;
	gap: 56px;
	align-items: center;
}

.why-points {
	display: grid;
	gap: 16px;
}

.why-point {
	display: flex;
	gap: 16px;
	background: var(--surface);
	border: 1px solid var(--border);
	border-radius: 8px;
	padding: 22px 24px;
}

.why-point .check {
	flex: none;
	width: 34px;
	height: 34px;
	border-radius: 50%;
	background: var(--green-tint);
	color: var(--green-dark);
	display: grid;
	place-items: center;
	font-weight: 700;
	font-size: 1.05rem;
}

.why-point h3 {
	font-size: 1.08rem;
	margin-bottom: 3px;
}

.why-point p {
	color: var(--muted);
	font-size: 0.95rem;
}

/* ---------- Commitment band ---------- */

.commitment {
	position: relative;
	color: #fff;
	text-align: center;
	overflow: hidden;
	background: var(--green-deep);
}

.commitment::before {
	content: "";
	position: absolute;
	inset: 0;
	background-image:
		linear-gradient(rgba(13, 35, 54, 0.86), rgba(16, 61, 39, 0.92)),
		var(--commitment-bg-image);
	background-size: cover;
	background-position: center;
	z-index: 0;
}

.commitment .container {
	position: relative;
	z-index: 1;
	padding: 76px 0;
}

.commitment .eyebrow {
	color: #8fd3a8;
}

.commitment .eyebrow::before {
	background: #8fd3a8;
}

.commitment blockquote {
	margin: 14px auto 0;
	max-width: 760px;
	font-family: var(--font-serif);
	font-size: clamp(1.4rem, 2.6vw, 1.95rem);
	line-height: 1.4;
	color: #fff;
}

.commitment cite {
	display: block;
	margin-top: 22px;
	font-family: var(--font-sans);
	font-style: normal;
	font-size: 0.86rem;
	letter-spacing: 0.1em;
	text-transform: uppercase;
	color: #9fc7b0;
}

/* ---------- Broker portal ---------- */

.portal {
	background: var(--ink);
	color: #fff;
}

.portal-inner {
	display: grid;
	grid-template-columns: 1fr 1fr;
	gap: 56px;
	align-items: center;
}

.portal h2 {
	color: #fff;
	font-size: clamp(1.7rem, 3vw, 2.3rem);
}

.portal .eyebrow {
	color: #8fd3a8;
}

.portal .eyebrow::before {
	background: #8fd3a8;
}

.portal-lead {
	margin-top: 14px;
	color: #b9c9d4;
	font-size: 1.05rem;
}

.portal-actions {
	margin-top: 28px;
	display: flex;
	gap: 14px;
	flex-wrap: wrap;
}

.portal-features {
	display: grid;
	gap: 14px;
}

.portal-feature {
	display: flex;
	gap: 14px;
	align-items: flex-start;
	background: var(--ink-soft);
	border: 1px solid var(--ink-line);
	border-radius: 8px;
	padding: 18px 20px;
}

.portal-feature .dot {
	flex: none;
	width: 10px;
	height: 10px;
	margin-top: 7px;
	background: var(--green);
	border-radius: 2px;
	transform: rotate(45deg);
}

.portal-feature h3 {
	color: #fff;
	font-size: 1rem;
	margin-bottom: 2px;
}

.portal-feature p {
	color: #9fb6c4;
	font-size: 0.9rem;
}

/* ---------- Contact ---------- */

.contact-inner {
	display: grid;
	grid-template-columns: 1fr 1fr;
	gap: 48px;
	align-items: center;
}

.contact-card {
	background: var(--surface);
	border: 1px solid var(--border);
	border-radius: 10px;
	padding: 34px;
	box-shadow: var(--shadow-sm);
}

.contact-row {
	display: flex;
	gap: 16px;
	padding: 18px 0;
	border-bottom: 1px solid var(--border);
}

.contact-row:last-of-type {
	border-bottom: 0;
}

.contact-row .label {
	font-size: 0.74rem;
	font-weight: 700;
	letter-spacing: 0.12em;
	text-transform: uppercase;
	color: var(--green-dark);
	margin-bottom: 2px;
}

.contact-row .value,
.contact-row .value a {
	color: var(--ink);
	font-size: 1.02rem;
	font-weight: 500;
	text-decoration: none;
}

.contact-row .value a:hover {
	color: var(--green-dark);
}

.contact-card .btn {
	width: 100%;
	margin-top: 22px;
}

/* ---------- Footer ---------- */

.site-footer {
	background: var(--ink);
	color: #9fb6c4;
	padding: 56px 0 0;
}

.footer-grid {
	display: grid;
	grid-template-columns: 1.6fr 1fr 1fr;
	gap: 40px;
	padding-bottom: 44px;
}

.footer-logo {
	height: 40px;
	width: auto;
	margin-bottom: 16px;
	background: #fff;
	padding: 8px 12px;
	border-radius: 6px;
}

.footer-about p {
	font-size: 0.92rem;
	max-width: 42ch;
}

.footer-col h4 {
	color: #fff;
	font-size: 0.82rem;
	letter-spacing: 0.12em;
	text-transform: uppercase;
	margin: 0 0 16px;
	font-family: var(--font-sans);
	font-weight: 700;
}

.footer-col ul {
	list-style: none;
	margin: 0;
	padding: 0;
}

.footer-col li {
	margin-bottom: 10px;
}

.footer-col a {
	color: #9fb6c4;
	text-decoration: none;
	font-size: 0.93rem;
	transition: color 0.18s ease;
}

.footer-col a:hover {
	color: #fff;
}

.footer-bar {
	border-top: 1px solid var(--ink-line);
	padding: 20px 0;
	display: flex;
	justify-content: space-between;
	gap: 14px;
	flex-wrap: wrap;
	font-size: 0.84rem;
	color: #7e95a4;
}

/* ---------- Responsive ---------- */

@media (max-width: 960px) {
	.hero-inner,
	.why-inner,
	.portal-inner,
	.contact-inner {
		grid-template-columns: 1fr;
		gap: 40px;
	}

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

	.credential:nth-child(2) {
		border-right: 0;
	}

	.credential:nth-child(1),
	.credential:nth-child(2) {
		border-bottom: 1px solid var(--ink-line);
	}

	.hero-figure {
		order: -1;
	}

	.hero-figure img {
		height: 320px;
	}
}

@media (max-width: 760px) {
	.section {
		padding: 56px 0;
	}

	.service-grid {
		grid-template-columns: 1fr;
	}

	.utility-contact {
		display: none;
	}

	.nav-toggle {
		display: flex;
	}

	.nav {
		position: absolute;
		top: var(--header-h);
		left: 0;
		right: 0;
		background: #fff;
		border-bottom: 1px solid var(--border);
		box-shadow: var(--shadow-sm);
		flex-direction: column;
		align-items: stretch;
		gap: 0;
		padding: 10px 0 18px;
		clip-path: inset(0 0 100% 0);
		transition: clip-path 0.25s ease;
	}

	.nav.open {
		clip-path: inset(0 0 0 0);
	}

	.nav-links {
		flex-direction: column;
		gap: 0;
	}

	.nav-links a {
		display: block;
		padding: 12px 6%;
	}

	.nav-links a::after {
		display: none;
	}

	.nav .btn {
		margin: 10px 6% 0;
	}

	.footer-grid {
		grid-template-columns: 1fr;
		gap: 28px;
	}

	.footer-bar {
		justify-content: flex-start;
	}

	.hero-stamp {
		right: 8px;
	}
}

/* ============================================================
   Card download page (/card.html)
   ============================================================ */

.card-page {
	min-height: 100dvh;
	display: flex;
	flex-direction: column;
	background: var(--surface-soft);
}

.card-page main {
	flex: 1;
	padding: 56px 0 72px;
}

.card-shell {
	width: min(560px, 92%);
	margin: 0 auto;
	background: var(--surface);
	border: 1px solid var(--border);
	border-radius: 14px;
	box-shadow: var(--shadow-md);
	padding: 40px clamp(24px, 5vw, 44px);
}

.card-shell--wide {
	width: min(720px, 94%);
}

.card-shell h1 {
	font-size: clamp(1.6rem, 2.4vw, 2rem);
	margin-bottom: 10px;
}

.card-shell .lead {
	color: var(--muted);
	margin-bottom: 26px;
}

.card-form {
	display: flex;
	flex-direction: column;
	gap: 14px;
	margin-top: 8px;
}

.card-form label {
	font-weight: 600;
	font-size: 0.92rem;
	color: var(--ink);
}

.card-form input[type="text"] {
	width: 100%;
	padding: 14px 16px;
	font-size: 1rem;
	font-family: var(--font-sans);
	border: 1px solid var(--border);
	border-radius: 10px;
	background: var(--bg);
	color: var(--text);
	letter-spacing: 0.04em;
	transition: border-color 0.15s, box-shadow 0.15s;
}

.card-form input[type="text"]:focus {
	outline: none;
	border-color: var(--green);
	box-shadow: 0 0 0 3px var(--green-tint);
}

.card-form .hint {
	font-size: 0.85rem;
	color: var(--muted);
	margin: -4px 0 6px;
}

.card-form .btn {
	margin-top: 6px;
	align-self: flex-start;
}

.card-status {
	margin-top: 18px;
	padding: 12px 14px;
	border-radius: 8px;
	font-size: 0.94rem;
	border: 1px solid transparent;
}

.card-status.is-error {
	background: #fdecec;
	border-color: #f4b6b6;
	color: #842020;
}

.card-status.is-info {
	background: var(--green-tint);
	border-color: var(--green-tint-border);
	color: var(--green-deep);
}

.card-image-wrap {
	margin: 18px 0 22px;
	border-radius: 12px;
	overflow: hidden;
	border: 1px solid var(--border);
	background: var(--surface-warm);
}

.card-image-wrap img {
	width: 100%;
	height: auto;
	display: block;
}

.card-actions {
	display: flex;
	gap: 12px;
	flex-wrap: wrap;
}

.card-brand-bar {
	background: var(--bg);
	border-bottom: 1px solid var(--border);
	padding: 14px 0;
}

.card-brand-bar .container {
	display: flex;
	align-items: center;
	justify-content: space-between;
	gap: 16px;
}

.card-brand-bar img {
	height: 38px;
	width: auto;
}

.card-brand-bar .fsp {
	font-size: 0.78rem;
	color: var(--muted);
	letter-spacing: 0.04em;
}

.card-footnote {
	margin-top: 22px;
	font-size: 0.82rem;
	color: var(--muted);
	line-height: 1.55;
}

.spinner {
	display: inline-block;
	width: 16px;
	height: 16px;
	border: 2px solid rgba(255, 255, 255, 0.4);
	border-top-color: #fff;
	border-radius: 50%;
	animation: card-spin 0.7s linear infinite;
	vertical-align: -3px;
	margin-right: 8px;
}

@keyframes card-spin {
	to { transform: rotate(360deg); }
}

.is-hidden {
	display: none !important;
}