/* ============================================================
   S N Enterprise — Design System
   Navy + Gold | Modern financial services
   ============================================================ */
:root {
  --navy-900: #0a1f3c;
  --navy-800: #10294d;
  --navy-700: #16345f;
  --navy-600: #1e4278;
  --navy-100: #e8eef7;
  --gold-500: #c9a227;
  --gold-400: #d9b23a;
  --gold-300: #e8c968;
  --gold-100: #faf3dd;
  --ink: #1c2434;
  --gray-700: #46516a;
  --gray-500: #6b7690;
  --gray-300: #cdd4e0;
  --gray-100: #f4f6fa;
  --white: #ffffff;
  --green: #1d9e5f;
  --radius: 14px;
  --radius-sm: 8px;
  --shadow-sm: 0 2px 8px rgba(10, 31, 60, 0.08);
  --shadow-md: 0 8px 30px rgba(10, 31, 60, 0.12);
  --shadow-lg: 0 18px 50px rgba(10, 31, 60, 0.18);
  --font-head: 'Plus Jakarta Sans', 'Segoe UI', system-ui, sans-serif;
  --font-body: 'Manrope', 'Segoe UI', system-ui, sans-serif;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  color: var(--ink);
  line-height: 1.65;
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy-600); text-decoration: none; }
ul { list-style: none; }
.container { width: min(1180px, 92%); margin: 0 auto; }

h1, h2, h3, h4 { font-family: var(--font-head); color: var(--navy-900); line-height: 1.25; }
h1 { font-size: clamp(2rem, 4.4vw, 3.2rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.3rem); }
h3 { font-size: 1.25rem; }
p { color: var(--gray-700); }

/* ---------- Utility ---------- */
.section { padding: 84px 0; }
.section.alt { background: var(--gray-100); }
.section-head { max-width: 720px; margin: 0 auto 52px; text-align: center; }
.section-head .eyebrow,
.eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-500);
  margin-bottom: 12px;
}
.section-head p { margin-top: 14px; font-size: 1.05rem; }
.text-center { text-align: center; }
.mt-2 { margin-top: 16px; } .mt-3 { margin-top: 24px; } .mt-4 { margin-top: 36px; }

.grid { display: grid; gap: 26px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px) { .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; } }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 14px 30px; border-radius: 50px;
  font-weight: 600; font-size: 0.98rem; cursor: pointer;
  border: 2px solid transparent; transition: all 0.25s ease;
}
.btn-gold { background: linear-gradient(120deg, var(--gold-500), var(--gold-300)); color: var(--navy-900); box-shadow: var(--shadow-sm); }
.btn-gold:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn-outline { border-color: var(--white); color: var(--white); background: transparent; }
.btn-outline:hover { background: var(--white); color: var(--navy-900); }
.btn-navy { background: var(--navy-800); color: var(--white); }
.btn-navy:hover { background: var(--navy-600); transform: translateY(-2px); }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 999;
  background: rgba(10, 31, 60, 0.96);
  backdrop-filter: blur(10px);
  box-shadow: 0 2px 14px rgba(0,0,0,0.25);
}
.topbar {
  background: var(--navy-900);
  border-bottom: 1px solid rgba(255,255,255,0.08);
  font-size: 0.82rem; color: var(--gray-300);
  padding: 6px 0;
}
.topbar .container { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 6px; }
.topbar a { color: var(--gold-300); font-weight: 600; }
.navwrap { display: flex; align-items: center; justify-content: space-between; padding: 14px 0; }
.brand { display: flex; align-items: center; gap: 12px; }
.brand img { width: 46px; height: 46px; border-radius: 10px; background: var(--white); padding: 4px; }
.brand-name { font-family: var(--font-head); font-size: 1.25rem; font-weight: 700; color: var(--white); line-height: 1.1; }
.brand-tag { font-size: 0.7rem; color: var(--gold-300); letter-spacing: 0.08em; text-transform: uppercase; }
.nav-links { display: flex; align-items: center; gap: 26px; }
.nav-links > li { position: relative; }
.nav-links a { color: #dce4f0; font-weight: 500; font-size: 0.95rem; padding: 8px 0; transition: color 0.2s; }
.nav-links a:hover, .nav-links a.active { color: var(--gold-300); }
.dropdown { position: relative; }
.dropdown > a::after { content: " ▾"; font-size: 0.7em; }
.dropdown-menu {
  position: absolute; top: calc(100% + 10px); left: -18px;
  min-width: 250px; background: var(--white); border-radius: var(--radius-sm);
  box-shadow: var(--shadow-lg); padding: 10px 0;
  opacity: 0; visibility: hidden; transform: translateY(8px);
  transition: all 0.22s ease;
}
.dropdown:hover .dropdown-menu, .dropdown:focus-within .dropdown-menu { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown-menu a { display: block; padding: 9px 22px; color: var(--ink); font-size: 0.92rem; }
.dropdown-menu a:hover { background: var(--gold-100); color: var(--navy-800); }
.nav-cta { margin-left: 8px; }
.hamburger { display: none; background: none; border: none; cursor: pointer; width: 40px; height: 40px; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--white); margin: 5px auto; transition: 0.3s; }

@media (max-width: 1020px) {
  .hamburger { display: block; }
  .nav-links {
    position: fixed; inset: 0 0 0 auto; width: min(340px, 85vw);
    background: var(--navy-900); flex-direction: column; align-items: flex-start;
    padding: 90px 34px 40px; gap: 4px; transform: translateX(100%);
    transition: transform 0.3s ease; overflow-y: auto; z-index: 998;
  }
  .nav-links.open { transform: translateX(0); }
  .nav-links > li { width: 100%; border-bottom: 1px solid rgba(255,255,255,0.07); }
  .nav-links a { display: block; padding: 13px 0; font-size: 1.02rem; }
  .dropdown-menu {
    position: static; opacity: 1; visibility: visible; transform: none;
    background: transparent; box-shadow: none; padding: 0 0 8px 16px; display: none;
  }
  .dropdown.open .dropdown-menu { display: block; }
  .dropdown-menu a { color: var(--gray-300); padding: 8px 0; }
  .nav-cta { margin: 18px 0 0; }
  body.nav-open::before { content: ""; position: fixed; inset: 0; background: rgba(0,0,0,0.5); z-index: 997; }
}

/* ---------- Hero ---------- */
.hero {
  position: relative; color: var(--white); overflow: hidden;
  background: radial-gradient(1200px 600px at 80% -10%, var(--navy-600), transparent),
              linear-gradient(135deg, var(--navy-900) 0%, var(--navy-700) 100%);
  padding: 100px 0 90px;
}
.hero::after {
  content: ""; position: absolute; inset: 0;
  background-image: radial-gradient(rgba(255,255,255,0.06) 1px, transparent 1px);
  background-size: 26px 26px; pointer-events: none;
}
.hero .container { position: relative; z-index: 2; display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 50px; align-items: center; }
.hero h1 { color: var(--white); margin: 16px 0 20px; }
.hero h1 .gold { color: var(--gold-300); }
.hero p.lead { color: #c8d3e6; font-size: 1.12rem; max-width: 560px; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(201,162,39,0.14); border: 1px solid rgba(201,162,39,0.4);
  color: var(--gold-300); padding: 7px 18px; border-radius: 50px;
  font-size: 0.85rem; font-weight: 600;
}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; margin-top: 32px; }
.hero-visual { position: relative; }
.hero-card {
  background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.14);
  backdrop-filter: blur(8px); border-radius: var(--radius);
  padding: 30px; box-shadow: var(--shadow-lg);
}
.hero-card h3 { color: var(--white); margin-bottom: 18px; }
.hero-card li { display: flex; gap: 10px; padding: 9px 0; color: #d6dff0; font-size: 0.95rem; border-bottom: 1px dashed rgba(255,255,255,0.1); }
.hero-card li:last-child { border: none; }
.hero-card li::before { content: "✓"; color: var(--gold-300); font-weight: 700; }
@media (max-width: 900px) { .hero .container { grid-template-columns: 1fr; } .hero { padding: 70px 0 60px; } }

/* Page hero (inner pages) */
.page-hero {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-700));
  color: var(--white); padding: 70px 0 56px; position: relative; overflow: hidden;
}
.page-hero::after {
  content: ""; position: absolute; right: -80px; top: -80px; width: 320px; height: 320px;
  border-radius: 50%; background: radial-gradient(circle, rgba(201,162,39,0.25), transparent 70%);
}
.page-hero h1 { color: var(--white); margin: 12px 0 14px; }
.page-hero p { color: #c8d3e6; max-width: 700px; font-size: 1.07rem; }
.breadcrumb { font-size: 0.85rem; color: var(--gray-300); }
.breadcrumb a { color: var(--gold-300); }

/* ---------- Stats ---------- */
.stats-band { background: var(--navy-900); color: var(--white); padding: 46px 0; }
.stats-band .grid { text-align: center; }
.stat-num { font-family: var(--font-head); font-size: 2.6rem; font-weight: 700; color: var(--gold-300); }
.stat-label { color: #b9c6dd; font-size: 0.92rem; margin-top: 4px; }

/* ---------- Cards ---------- */
.card {
  background: var(--white); border-radius: var(--radius);
  padding: 34px 28px; box-shadow: var(--shadow-sm);
  border: 1px solid #e6ebf3; transition: all 0.28s ease;
  position: relative; overflow: hidden;
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: var(--gold-300); }
.card .icon {
  width: 58px; height: 58px; border-radius: 14px;
  background: linear-gradient(135deg, var(--navy-800), var(--navy-600));
  color: var(--gold-300); font-size: 1.5rem;
  display: flex; align-items: center; justify-content: center; margin-bottom: 20px;
}
.card h3 { margin-bottom: 10px; }
.card p { font-size: 0.95rem; }
.card .card-link { display: inline-flex; align-items: center; gap: 6px; margin-top: 16px; font-weight: 600; color: var(--gold-500); font-size: 0.92rem; }
.card .card-link:hover { gap: 10px; }

/* Credential badges */
.cred-card {
  background: var(--white); border: 1px solid #e6ebf3; border-radius: var(--radius);
  padding: 26px 22px; text-align: left; box-shadow: var(--shadow-sm); transition: all 0.25s;
}
.cred-card:hover { border-color: var(--gold-400); transform: translateY(-4px); box-shadow: var(--shadow-md); }
.cred-abbr { font-family: var(--font-head); font-size: 1.5rem; font-weight: 700; color: var(--navy-700); }
.cred-name { font-size: 0.88rem; color: var(--gray-500); margin-top: 6px; }

/* Checklist */
.check-list li { display: flex; gap: 12px; padding: 8px 0; color: var(--gray-700); }
.check-list li::before { content: "✓"; color: var(--green); font-weight: 800; flex-shrink: 0; }

/* ---------- Two-column feature ---------- */
.feature-split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
@media (max-width: 860px) { .feature-split { grid-template-columns: 1fr; } }
.feature-media {
  border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-md);
  background: linear-gradient(135deg, var(--navy-800), var(--navy-600));
  min-height: 320px; display: flex; align-items: center; justify-content: center;
  color: var(--gold-300); font-size: 4rem;
}

/* ---------- Testimonials ---------- */
.testimonial {
  background: var(--white); border-radius: var(--radius); padding: 32px;
  box-shadow: var(--shadow-sm); border-top: 4px solid var(--gold-400);
}
.testimonial .quote { font-style: italic; color: var(--gray-700); }
.testimonial .who { display: flex; align-items: center; gap: 14px; margin-top: 20px; }
.testimonial .avatar {
  width: 48px; height: 48px; border-radius: 50%; flex-shrink: 0;
  background: var(--navy-700); color: var(--gold-300);
  display: flex; align-items: center; justify-content: center; font-weight: 700;
}
.testimonial .who strong { display: block; color: var(--navy-900); font-size: 0.95rem; }
.testimonial .who span { font-size: 0.82rem; color: var(--gray-500); }
.stars { color: var(--gold-400); letter-spacing: 2px; margin-bottom: 12px; }

/* ---------- FAQ accordion ---------- */
.faq-item { background: var(--white); border: 1px solid #e6ebf3; border-radius: var(--radius-sm); margin-bottom: 14px; overflow: hidden; }
.faq-q {
  width: 100%; text-align: left; background: none; border: none; cursor: pointer;
  padding: 20px 54px 20px 24px; font-size: 1.02rem; font-weight: 600; color: var(--navy-900);
  font-family: var(--font-body); position: relative;
}
.faq-q::after {
  content: "+"; position: absolute; right: 22px; top: 50%; transform: translateY(-50%);
  font-size: 1.5rem; color: var(--gold-500); transition: transform 0.25s;
}
.faq-item.open .faq-q::after { transform: translateY(-50%) rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.35s ease; }
.faq-a-inner { padding: 0 24px 22px; color: var(--gray-700); font-size: 0.96rem; }

/* ---------- CTA band ---------- */
.cta-band {
  background: linear-gradient(120deg, var(--navy-900) 30%, var(--navy-600));
  color: var(--white); border-radius: var(--radius);
  padding: 56px 48px; display: flex; align-items: center; justify-content: space-between;
  gap: 30px; flex-wrap: wrap; position: relative; overflow: hidden;
}
.cta-band::before {
  content: ""; position: absolute; left: -60px; bottom: -60px; width: 240px; height: 240px;
  border-radius: 50%; background: radial-gradient(circle, rgba(201,162,39,0.3), transparent 70%);
}
.cta-band h2 { color: var(--white); margin-bottom: 8px; }
.cta-band p { color: #c8d3e6; }

/* ---------- Forms ---------- */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
@media (max-width: 640px) { .form-grid { grid-template-columns: 1fr; } }
.form-grid .full { grid-column: 1 / -1; }
label { font-size: 0.87rem; font-weight: 600; color: var(--navy-800); display: block; margin-bottom: 6px; }
input, select, textarea {
  width: 100%; padding: 13px 16px; border: 1.5px solid var(--gray-300);
  border-radius: var(--radius-sm); font-family: var(--font-body); font-size: 0.95rem;
  color: var(--ink); background: var(--white); transition: border 0.2s;
}
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--gold-500); }
textarea { min-height: 120px; resize: vertical; }

/* ---------- Contact info blocks ---------- */
.info-tile { display: flex; gap: 16px; align-items: flex-start; background: var(--white); border-radius: var(--radius-sm); padding: 22px; box-shadow: var(--shadow-sm); }
.info-tile .icon { width: 46px; height: 46px; border-radius: 10px; background: var(--gold-100); color: var(--gold-500); font-size: 1.2rem; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.info-tile strong { color: var(--navy-900); display: block; margin-bottom: 3px; }
.info-tile p, .info-tile a { font-size: 0.92rem; color: var(--gray-700); }

/* ---------- Article / prose ---------- */
.prose { max-width: 780px; margin: 0 auto; }
.prose h2 { margin: 42px 0 16px; }
.prose h3 { margin: 30px 0 12px; }
.prose p { margin-bottom: 18px; font-size: 1.02rem; }
.prose ul, .prose ol { margin: 0 0 20px 22px; color: var(--gray-700); }
.prose ul { list-style: disc; }
.prose ol { list-style: decimal; }
.prose li { margin-bottom: 8px; }
.prose table { width: 100%; border-collapse: collapse; margin: 24px 0; font-size: 0.95rem; }
.prose th { background: var(--navy-800); color: var(--white); text-align: left; padding: 12px 14px; }
.prose td { padding: 11px 14px; border-bottom: 1px solid #e6ebf3; color: var(--gray-700); }
.prose tr:nth-child(even) td { background: var(--gray-100); }
.prose blockquote { border-left: 4px solid var(--gold-400); background: var(--gold-100); padding: 18px 22px; border-radius: 0 var(--radius-sm) var(--radius-sm) 0; margin: 24px 0; font-style: italic; }
.article-meta { font-size: 0.85rem; color: var(--gray-500); margin-bottom: 26px; }
.note-box { background: var(--navy-100); border-left: 4px solid var(--navy-600); padding: 18px 22px; border-radius: 0 var(--radius-sm) var(--radius-sm) 0; margin: 24px 0; font-size: 0.93rem; color: var(--gray-700); }

/* Blog cards */
.blog-card { display: flex; flex-direction: column; }
.blog-card .thumb { height: 170px; border-radius: var(--radius-sm); margin-bottom: 18px; display: flex; align-items: center; justify-content: center; font-size: 3rem; color: var(--gold-300); background: linear-gradient(135deg, var(--navy-800), var(--navy-600)); }
.blog-card .date { font-size: 0.8rem; color: var(--gray-500); margin-bottom: 8px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-900); color: #b9c6dd; padding: 70px 0 0; margin-top: 0; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; padding-bottom: 46px; }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-grid { grid-template-columns: 1fr; } }
.site-footer h4 { color: var(--white); font-family: var(--font-body); font-size: 1rem; margin-bottom: 18px; letter-spacing: 0.04em; }
.site-footer a { color: #b9c6dd; font-size: 0.92rem; transition: color 0.2s; }
.site-footer a:hover { color: var(--gold-300); }
.site-footer li { padding: 5px 0; }
.footer-about p { font-size: 0.92rem; margin-top: 14px; }
.footer-compliance { border-top: 1px solid rgba(255,255,255,0.1); padding: 22px 0; font-size: 0.78rem; color: #8b99b5; line-height: 1.7; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding: 20px 0; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px; font-size: 0.85rem; }
.social-links { display: flex; gap: 12px; margin-top: 18px; }
.social-links a {
  width: 38px; height: 38px; border-radius: 50%; border: 1px solid rgba(255,255,255,0.2);
  display: flex; align-items: center; justify-content: center; font-size: 0.95rem;
}
.social-links a:hover { background: var(--gold-500); border-color: var(--gold-500); color: var(--navy-900); }

/* ---------- WhatsApp float ---------- */
.wa-float {
  position: fixed; right: 22px; bottom: 22px; z-index: 990;
  width: 58px; height: 58px; border-radius: 50%;
  background: #25d366; color: var(--white); font-size: 1.8rem;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 6px 20px rgba(37, 211, 102, 0.45);
  animation: wa-pulse 2.4s infinite;
}
.wa-float:hover { transform: scale(1.08); }
@keyframes wa-pulse {
  0% { box-shadow: 0 0 0 0 rgba(37,211,102,0.5); }
  70% { box-shadow: 0 0 0 16px rgba(37,211,102,0); }
  100% { box-shadow: 0 0 0 0 rgba(37,211,102,0); }
}

/* ---------- Scroll reveal ---------- */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity 0.7s ease, transform 0.7s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
}

/* ---------- Misc ---------- */
.tag-row { display: flex; flex-wrap: wrap; gap: 10px; margin: 18px 0; }
.tag { background: var(--navy-100); color: var(--navy-700); font-size: 0.82rem; font-weight: 600; padding: 6px 16px; border-radius: 50px; }
.map-frame { border: 0; width: 100%; height: 380px; border-radius: var(--radius); box-shadow: var(--shadow-md); }
.divider-gold { width: 64px; height: 4px; background: linear-gradient(90deg, var(--gold-500), var(--gold-300)); border-radius: 4px; margin: 14px 0 0; }
.section-head .divider-gold { margin: 14px auto 0; }