/* ===========================================================
   ALLIED FINANCIAL — stylesheet
   =========================================================== */

:root{
  --navy:        #0F2A43;
  --navy-2:      #14344F;
  --navy-deep:   #0A1E30;
  --gold:        #B8912F;
  --gold-light:  #D4AF6A;
  --cream:       #F8F6F0;
  --cream-2:     #F1ECDF;
  --ink:         #22282E;
  --ink-soft:    #4A535C;
  --white:       #FFFFFF;
  --line:        #E1D9C8;

  --font-serif: "Playfair Display", Georgia, "Times New Roman", serif;
  --font-body: "Source Sans 3", "Segoe UI", Arial, sans-serif;

  --radius: 3px;
  --container: 1160px;
}

*, *::before, *::after{ box-sizing: border-box; }
html{ scroll-behavior: smooth; }
body{
  margin:0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--cream);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img{ max-width:100%; display:block; }
a{ color: inherit; text-decoration: none; }
ul{ margin:0; padding:0; list-style:none; }
h1,h2,h3,h4{
  font-family: var(--font-serif);
  font-weight: 700;
  line-height: 1.2;
  margin: 0 0 0.5em;
  color: var(--navy);
}
p{ margin: 0 0 1em; color: var(--ink-soft); }
.container{
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 32px;
}
:focus-visible{
  outline: 3px solid var(--gold);
  outline-offset: 2px;
}
@media (prefers-reduced-motion: reduce){
  *{ animation-duration: 0.001ms !important; transition-duration: 0.001ms !important; }
}

/* ---------- eyebrow ---------- */
.eyebrow{
  display:inline-flex;
  align-items:center;
  gap:10px;
  font-family: var(--font-body);
  font-size: 12.5px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: 16px;
}
.eyebrow::before, .eyebrow::after{
  content:"";
  width: 20px;
  height: 1px;
  background: var(--gold);
}

/* =================== HEADER =================== */
.site-header{
  background: var(--cream);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top:0;
  z-index: 100;
}
.nav-row{
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding: 16px 0;
}
.brand{
  display:flex;
  align-items:center;
  gap:12px;
}
.brand-mark{
  width: 42px; height: 42px;
  flex-shrink:0;
}
.brand-text{
  display:flex;
  flex-direction:column;
  line-height:1.1;
}
.brand-text .name{
  font-family: var(--font-serif);
  font-size: 20px;
  font-weight:700;
  color: var(--navy);
  letter-spacing: 0.01em;
}
.brand-text .sub{
  font-family: var(--font-body);
  font-size: 10.5px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight:600;
  margin-top:2px;
}
.main-nav{
  display:flex;
  align-items:center;
  gap: 36px;
}
.main-nav a:not(.btn){
  color: var(--navy);
  font-family: var(--font-body);
  font-size: 14.5px;
  font-weight:600;
  letter-spacing: 0.02em;
  padding: 6px 2px;
  border-bottom: 2px solid transparent;
  transition: border-color .15s ease, color .15s ease;
}
.main-nav a:not(.btn):hover{
  border-color: var(--gold);
}
.nav-toggle{
  display:none;
  background:none;
  border: 1px solid var(--navy);
  border-radius: var(--radius);
  width: 42px; height: 38px;
  align-items:center;
  justify-content:center;
  color: var(--navy);
  cursor:pointer;
}

/* =================== BUTTONS =================== */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:10px;
  font-family: var(--font-body);
  font-size: 14.5px;
  font-weight:700;
  letter-spacing: 0.03em;
  padding: 15px 32px;
  border-radius: var(--radius);
  border: 2px solid transparent;
  cursor:pointer;
  transition: background .15s ease, color .15s ease, border-color .15s ease, transform .1s ease;
  white-space: nowrap;
}
.btn:active{ transform: translateY(1px); }
.btn-gold{
  background: var(--gold);
  color: var(--navy-deep);
}
.btn-gold:hover{ background: var(--gold-light); }
.btn-outline-cream{
  background: transparent;
  border-color: rgba(255,255,255,.55);
  color: var(--white);
}
.btn-outline-cream:hover{ border-color: var(--gold); color: var(--gold); }
.btn-navy-outline{
  background: transparent;
  border-color: var(--navy);
  color: var(--navy);
}
.btn-navy-outline:hover{ background: var(--navy); color: var(--white); }
.btn-sm{
  padding: 10px 20px;
  font-size: 13px;
}

/* =================== HERO =================== */
.hero{
  position: relative;
  min-height: 620px;
  display:flex;
  align-items:center;
  background-color: var(--navy-deep);
  overflow:hidden;
}
.hero-bg{
  position:absolute;
  inset:0;
  width:100%;
  height:100%;
  object-fit: cover;
  object-position: center 30%;
}
.hero-overlay{
  position:absolute;
  inset:0;
  background: linear-gradient(100deg, rgba(10,30,48,.92) 0%, rgba(10,30,48,.78) 32%, rgba(10,30,48,.38) 58%, rgba(10,30,48,.15) 78%);
}
.hero-inner{
  position:relative;
  z-index:2;
  max-width: 620px;
  padding: 90px 0;
}
.hero-inner .eyebrow{ color: var(--gold-light); }
.hero-inner .eyebrow::before, .hero-inner .eyebrow::after{ background: var(--gold-light); }
.hero h1{
  color: var(--white);
  font-size: clamp(32px, 4.6vw, 50px);
  margin-bottom: 20px;
}
.hero p.lead{
  color: #E4E9EE;
  font-size: 17.5px;
  max-width: 520px;
  margin-bottom: 34px;
}
.hero-actions{
  display:flex;
  gap: 18px;
  flex-wrap: wrap;
  align-items:center;
}
.hero-note{
  margin-top: 26px;
  font-family: var(--font-body);
  font-size: 13px;
  letter-spacing: 0.03em;
  color: #C7D0D8;
}

/* =================== TRUST STRIP =================== */
.trust-strip{
  background: var(--navy);
  padding: 0;
}
.trust-grid{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
}
.trust-item{
  padding: 26px 30px;
  text-align:center;
  border-right: 1px solid rgba(255,255,255,.12);
}
.trust-item:last-child{ border-right:none; }
.trust-item span{
  font-family: var(--font-body);
  font-size: 13.5px;
  letter-spacing: 0.03em;
  color: #DCE3E9;
  font-weight:600;
}
.trust-item span strong{
  color: var(--gold-light);
  font-weight:700;
}

/* =================== SECTIONS =================== */
.section{ padding: 96px 0; }
.section-head{
  max-width: 640px;
  margin: 0 auto 56px;
  text-align:center;
}
.section-head h2{ font-size: clamp(28px, 3.4vw, 38px); }
.section-head p{ font-size: 16px; }

/* =================== FINANCING CARDS =================== */
.options-grid{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
}
.option-card{
  background: var(--white);
  border: 1px solid var(--line);
  border-top: 3px solid var(--gold);
  padding: 36px 30px;
  display:flex;
  flex-direction:column;
  height:100%;
  transition: transform .15s ease, box-shadow .15s ease;
}
.option-card:hover{
  transform: translateY(-4px);
  box-shadow: 0 14px 30px rgba(15,42,67,.09);
}
.option-card .icon-wrap{
  width: 54px; height:54px;
  border-radius:50%;
  background: var(--cream-2);
  display:flex;
  align-items:center;
  justify-content:center;
  margin-bottom: 22px;
}
.option-card .icon{
  width: 26px; height:26px;
  color: var(--navy);
}
.option-card h3{
  font-size: 19px;
  margin-bottom: 10px;
}
.option-card p{
  font-size: 14.5px;
  margin:0;
  flex-grow:1;
}
.option-card .card-cta{
  margin-top: 20px;
  font-family: var(--font-body);
  font-size: 13px;
  font-weight:700;
  letter-spacing: 0.03em;
  color: var(--navy);
  border-top: 1px solid var(--line);
  padding-top: 16px;
  display:flex;
  align-items:center;
  justify-content:space-between;
}
.option-card .card-cta svg{ width:14px; height:14px; color:var(--gold); }

/* =================== WHY SECTION =================== */
.why-grid{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
}
.why-item{ text-align:center; }
.why-item .icon-wrap{
  width: 60px; height:60px;
  border-radius:50%;
  border: 1px solid var(--gold);
  display:flex;
  align-items:center;
  justify-content:center;
  margin: 0 auto 20px;
}
.why-item .icon{ width:26px; height:26px; color:var(--gold); }
.why-item h4{ font-size:17px; margin-bottom:8px; }
.why-item p{ font-size:14.5px; }

/* =================== CTA BAND =================== */
.cta-band{
  background: var(--navy);
  padding: 70px 0;
  text-align:center;
  position:relative;
}
.cta-band h2{ color:var(--white); font-size: clamp(24px,3vw,32px); margin-bottom:14px; }
.cta-band p{ color:#C7D0D8; max-width:520px; margin:0 auto 30px; }

/* =================== FOOTER =================== */
.site-footer{
  background: var(--navy-deep);
  color: #A9B4BD;
  padding: 48px 0 26px;
}
.footer-top{
  display:flex;
  justify-content:space-between;
  align-items:flex-start;
  gap: 30px;
  padding-bottom: 30px;
  border-bottom: 1px solid rgba(255,255,255,.1);
  flex-wrap:wrap;
}
.footer-brand{
  display:flex;
  align-items:center;
  gap:10px;
  color: var(--white);
  font-family: var(--font-serif);
  font-size:19px;
  font-weight:700;
}
.footer-brand .brand-mark{ width:32px; height:32px; }
.footer-links{
  display:flex;
  gap: 30px;
  flex-wrap:wrap;
}
.footer-links a{
  font-size: 13.5px;
  color: #A9B4BD;
  font-weight:600;
}
.footer-links a:hover{ color: var(--gold-light); }
.footer-bottom{
  padding-top: 22px;
  font-size: 12px;
  color: #77828C;
  line-height:1.8;
}
.footer-bottom p{ color:#77828C; margin:0 0 8px; }

/* =================== RESPONSIVE =================== */
@media (max-width: 980px){
  .options-grid{ grid-template-columns: repeat(2, 1fr); }
  .why-grid{ grid-template-columns: 1fr; gap: 30px; }
  .trust-grid{ grid-template-columns: 1fr; }
  .trust-item{ border-right:none; border-bottom: 1px solid rgba(255,255,255,.12); }
  .trust-item:last-child{ border-bottom:none; }
}
@media (max-width: 760px){
  .main-nav{
    position: fixed;
    inset: 70px 0 0 0;
    background: var(--cream);
    flex-direction:column;
    align-items:flex-start;
    padding: 26px 28px;
    gap: 22px;
    transform: translateX(100%);
    transition: transform .2s ease;
    border-top: 1px solid var(--line);
  }
  .main-nav.open{ transform: translateX(0); }
  .nav-toggle{ display:flex; }
  .options-grid{ grid-template-columns: 1fr; }
  .hero{ min-height: 560px; }
  .hero-overlay{ background: linear-gradient(180deg, rgba(10,30,48,.55) 0%, rgba(10,30,48,.88) 55%, rgba(10,30,48,.96) 100%); }
  .hero-inner{ max-width:100%; padding: 60px 0 50px; }
  .hero p.lead{ max-width:100%; }
  .footer-top{ flex-direction:column; }
  .section{ padding: 64px 0; }
}