/* ===== JJ Financial Xpress — styles ===== */
:root {
  --navy: #0b2c5c;
  --navy-dark: #081f44;
  --navy-soft: #123a75;
  --gold: #c6a15b;
  --gold-dark: #a8843f;
  --white: #ffffff;
  --gray-50: #f6f8fb;
  --gray-100: #eef1f6;
  --gray-300: #d4dae4;
  --gray-600: #5b6b82;
  --gray-800: #22314a;
  --radius: 12px;
  --shadow: 0 8px 24px rgba(8, 31, 68, 0.10);
  --font: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font);
  color: var(--gray-800);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy); }
.container { width: min(1140px, 92%); margin-inline: auto; }
.skip-link {
  position: absolute; left: -9999px; top: 0;
  background: var(--navy); color: #fff; padding: .6rem 1rem; z-index: 200;
}
.skip-link:focus { left: 0; }

/* ===== Header ===== */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.97);
  border-bottom: 1px solid var(--gray-100);
  transition: box-shadow .25s ease;
}
.site-header.scrolled { box-shadow: 0 4px 18px rgba(8,31,68,.10); }
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: .7rem 0; gap: 1rem;
}
.brand { display: flex; align-items: center; gap: .7rem; text-decoration: none; }
.brand-logo { width: 52px; height: 52px; border-radius: 10px; object-fit: cover; }
.brand-text { font-weight: 800; font-size: 1.05rem; color: var(--navy); letter-spacing: .01em; }
.brand-xpress { color: var(--gold-dark); }
.main-nav { display: flex; align-items: center; gap: 1.6rem; }
.main-nav a { text-decoration: none; font-weight: 600; font-size: .95rem; color: var(--gray-800); }
.main-nav a:hover { color: var(--navy-soft); }
.nav-cta {
  background: var(--navy); color: #fff !important;
  padding: .6rem 1.1rem; border-radius: 8px;
}
.nav-cta:hover { background: var(--navy-soft); }
.nav-toggle {
  display: none; background: none; border: 0; cursor: pointer; padding: .5rem;
}
.nav-toggle span { display: block; width: 24px; height: 2.5px; background: var(--navy); margin: 5px 0; border-radius: 2px; transition: transform .25s, opacity .25s; }

/* ===== Buttons ===== */
.btn {
  display: inline-block; text-decoration: none; font-weight: 700;
  padding: .85rem 1.6rem; border-radius: 10px; font-size: 1rem;
  transition: transform .15s ease, box-shadow .15s ease, background .2s;
  border: 0; cursor: pointer;
}
.btn-primary { background: var(--gold); color: var(--navy-dark); box-shadow: var(--shadow); }
.btn-primary:hover { background: var(--gold-dark); color: #fff; transform: translateY(-1px); }
.btn-secondary { background: transparent; color: var(--white); border: 2px solid rgba(255,255,255,.65); }
.btn-secondary:hover { border-color: #fff; background: rgba(255,255,255,.08); }

/* ===== Hero ===== */
.hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 60%, var(--navy-soft) 100%);
  color: #fff; padding: 4.5rem 0 4rem;
  position: relative; overflow: hidden;
}
.hero::after {
  content: ""; position: absolute; right: -120px; top: -120px;
  width: 420px; height: 420px; border-radius: 50%;
  background: radial-gradient(circle, rgba(198,161,91,.22) 0%, transparent 70%);
}
.hero-inner {
  display: grid; grid-template-columns: 1.25fr .9fr; gap: 3rem; align-items: center;
  position: relative; z-index: 1;
}
.hero-eyebrow {
  text-transform: uppercase; letter-spacing: .18em; font-size: .78rem;
  color: var(--gold); font-weight: 700; margin-bottom: 1rem;
}
.hero h1 { font-size: clamp(2.2rem, 5vw, 3.4rem); line-height: 1.12; font-weight: 800; letter-spacing: -0.02em; }
.hero h1 .gold { color: var(--gold); }
.hero-sub { margin: 1.1rem 0 1.8rem; font-size: 1.12rem; color: #dbe4f2; max-width: 34rem; }
.hero-ctas { display: flex; gap: .9rem; flex-wrap: wrap; }
.hero-card {
  background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.16);
  border-radius: var(--radius); padding: 1.6rem; backdrop-filter: blur(4px);
}
.hero-points { list-style: none; display: grid; gap: 1rem; }
.hero-points li { display: flex; gap: .7rem; align-items: flex-start; font-weight: 500; color: #eef2f9; }
.hero-points svg { width: 22px; height: 22px; flex: none; fill: var(--gold); margin-top: 2px; }

/* ===== Trust strip ===== */
.trust-strip { background: var(--gold); color: var(--navy-dark); }
.trust-inner {
  display: flex; flex-wrap: wrap; justify-content: center; gap: .6rem 1rem;
  padding: .85rem 0; font-weight: 700; font-size: .92rem; letter-spacing: .02em;
}
.trust-inner i { font-style: normal; opacity: .6; }

/* ===== Sections ===== */
.section { padding: 4.5rem 0; }
.section-alt { background: var(--gray-50); }
.section-eyebrow {
  text-transform: uppercase; letter-spacing: .18em; font-size: .78rem;
  color: var(--gold-dark); font-weight: 700; margin-bottom: .6rem;
}
.section h2 { font-size: clamp(1.7rem, 3.4vw, 2.4rem); color: var(--navy); letter-spacing: -0.015em; margin-bottom: .8rem; }
.section-lead { color: var(--gray-600); max-width: 44rem; margin-bottom: 2.2rem; font-size: 1.06rem; }

/* ===== Services ===== */
.services-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.3rem;
}
.service-card {
  background: #fff; border: 1px solid var(--gray-100); border-radius: var(--radius);
  padding: 1.7rem 1.5rem; box-shadow: 0 2px 8px rgba(8,31,68,.05);
  transition: transform .18s ease, box-shadow .18s ease;
}
.service-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.service-icon {
  width: 52px; height: 52px; border-radius: 12px;
  background: linear-gradient(135deg, var(--navy), var(--navy-soft));
  color: var(--gold); display: flex; align-items: center; justify-content: center;
  margin-bottom: 1rem;
}
.service-icon svg { width: 28px; height: 28px; }
.service-card h3 { color: var(--navy); font-size: 1.08rem; margin-bottom: .5rem; }
.service-card p { color: var(--gray-600); font-size: .95rem; }
.services-cta {
  margin-top: 2.4rem; text-align: center; background: var(--navy);
  color: #fff; border-radius: var(--radius); padding: 2rem 1.5rem;
}
.services-cta p { margin-bottom: 1.1rem; color: #dbe4f2; }
.services-cta strong { color: var(--gold); }

/* ===== About ===== */
.about-inner { display: grid; grid-template-columns: .85fr 1.15fr; gap: 3rem; align-items: center; }
.about-photo {
  aspect-ratio: 4 / 5; border-radius: var(--radius);
  overflow: hidden;
  box-shadow: 0 10px 30px rgba(11,44,92,.12);
}
.about-photo img {
  width: 100%; height: 100%; object-fit: cover; display: block;
}
.about-copy p { margin-bottom: 1rem; color: var(--gray-600); }
.about-copy p strong { color: var(--navy); }
.about-list { list-style: none; display: grid; gap: .5rem; margin-top: 1.2rem; }
.about-list li { padding-left: 1.7rem; position: relative; font-weight: 600; color: var(--navy); }
.about-list li::before {
  content: "✓"; position: absolute; left: 0; color: var(--gold-dark); font-weight: 800;
}

/* ===== Testimonials ===== */
.testimonials-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.3rem; }
.testimonial {
  background: var(--gray-50); border-left: 4px solid var(--gold);
  border-radius: 0 var(--radius) var(--radius) 0; padding: 1.6rem;
}
.testimonial p { font-style: italic; color: var(--gray-800); margin-bottom: .8rem; }
.testimonial cite { font-style: normal; font-weight: 700; color: var(--navy); font-size: .9rem; }

/* ===== FAQ ===== */
.faq-inner { max-width: 760px; }
.faq-list { display: grid; gap: .8rem; margin-top: 1.8rem; }
.faq-item {
  background: #fff; border: 1px solid var(--gray-100); border-radius: 10px; overflow: hidden;
}
.faq-item summary {
  cursor: pointer; padding: 1.1rem 1.3rem; font-weight: 700; color: var(--navy);
  list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 1rem;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+"; font-size: 1.4rem; color: var(--gold-dark); font-weight: 400; flex: none;
  transition: transform .2s;
}
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item p { padding: 0 1.3rem 1.2rem; color: var(--gray-600); }

/* ===== Contact ===== */
.contact-grid { display: grid; grid-template-columns: 1.3fr .8fr; gap: 2.5rem; margin-top: 2rem; align-items: start; }
.contact-form { display: grid; gap: 1.1rem; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.1rem; }
.contact-form label { display: grid; gap: .4rem; font-weight: 600; color: var(--navy); font-size: .94rem; }
.contact-form .optional { font-weight: 400; color: var(--gray-600); font-size: .85em; }
.contact-form input, .contact-form textarea {
  font: inherit; padding: .8rem 1rem; border: 1.5px solid var(--gray-300);
  border-radius: 8px; background: #fff; color: var(--gray-800); width: 100%;
}
.contact-form input:focus, .contact-form textarea:focus {
  outline: none; border-color: var(--navy-soft); box-shadow: 0 0 0 3px rgba(18,58,117,.12);
}
.contact-form textarea { resize: vertical; min-height: 120px; }
.form-note { font-size: .9rem; color: var(--gray-600); }
.form-note.muted { font-size: .82rem; color: #8a97ab; }
.form-note.success { color: #1c7a3d; font-weight: 600; }
.contact-info {
  background: var(--navy); color: #fff; border-radius: var(--radius); padding: 1.8rem;
}
.contact-info h3 { color: var(--gold); margin-bottom: 1rem; font-size: 1.15rem; }
.contact-info ul { list-style: none; display: grid; gap: .8rem; margin-bottom: 1.2rem; }
.contact-info li { color: #dbe4f2; }
.contact-info strong { color: #fff; }
.contact-info a { color: var(--gold); }
.placeholder-tag { color: var(--gold); font-size: .8em; }
.contact-info .muted { color: #9fb0c9; font-size: .9rem; }

/* ===== Footer ===== */
.site-footer { background: var(--navy-dark); color: #c4d0e3; padding: 3rem 0 0; }
.footer-inner {
  display: grid; grid-template-columns: 1.2fr 1fr 1fr; gap: 2rem; align-items: start;
  padding-bottom: 2.2rem;
}
.footer-logo { width: 64px; height: 64px; border-radius: 12px; object-fit: cover; margin-bottom: .8rem; background: #fff; }
.footer-tagline { color: var(--gold); font-weight: 600; }
.footer-nav { display: grid; gap: .6rem; }
.footer-nav a { color: #c4d0e3; text-decoration: none; font-weight: 500; }
.footer-nav a:hover { color: #fff; }
.footer-contact { display: grid; gap: .4rem; }
.footer-contact a { color: var(--gold); font-weight: 600; text-decoration: none; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); padding: 1.2rem 0; font-size: .88rem; }

/* ===== Responsive ===== */
@media (max-width: 960px) {
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .hero-inner { grid-template-columns: 1fr; gap: 2rem; }
  .about-inner { grid-template-columns: 1fr; gap: 2rem; }
  .about-photo { aspect-ratio: 16 / 9; max-width: 520px; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .nav-toggle { display: block; }
  .main-nav {
    position: absolute; top: 100%; left: 0; right: 0;
    background: #fff; flex-direction: column; align-items: stretch;
    padding: 0 4%; gap: 0; border-bottom: 1px solid var(--gray-100);
    max-height: 0; overflow: hidden; transition: max-height .3s ease, padding .3s ease;
  }
  .main-nav.open { max-height: 320px; padding: 1rem 4%; box-shadow: 0 12px 24px rgba(8,31,68,.12); }
  .main-nav a { padding: .8rem 0; border-top: 1px solid var(--gray-100); }
  .main-nav a:first-child { border-top: 0; }
  .nav-cta { text-align: center; margin: .6rem 0; }
  .nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
  .nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
  .nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }
  .services-grid, .testimonials-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .section { padding: 3.2rem 0; }
  .hero { padding: 3rem 0 2.6rem; }
  .footer-inner { grid-template-columns: 1fr; }
  .brand-text { font-size: .95rem; }
}