/* PrivateAssetFinance — Premium Luxury Finance Landing Page */

:root {
  --navy: #0A1F3D;
  --navy-light: #122E54;
  --navy-medium: #0E2847;
  --gold: #C9A84C;
  --gold-light: #D4B86A;
  --gold-dim: rgba(201, 168, 76, 0.15);
  --off-white: #F5F3EF;
  --warm-white: #FAF9F7;
  --charcoal: #2C2C2C;
  --text-muted: #8A8780;
  --text-light: rgba(255,255,255,0.7);
  --text-lighter: rgba(255,255,255,0.5);
  --border: rgba(201,168,76,0.2);
  --border-light: rgba(0,0,0,0.06);
  --shadow: 0 1px 3px rgba(0,0,0,0.04);
  --shadow-lg: 0 8px 32px rgba(10,31,61,0.12);
  --radius: 8px;
  --radius-lg: 12px;
  --transition: 0.2s ease;

  --font-display: 'Cormorant Garamond', Georgia, serif;
  --font-body: 'Inter', -apple-system, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  font-family: var(--font-body);
  font-size: 15px;
  line-height: 1.6;
  color: var(--charcoal);
  background: var(--off-white);
  -webkit-font-smoothing: antialiased;
}

/* HEADER */
.header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: rgba(10,31,61,0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(201,168,76,0.15);
}
.header-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  height: 80px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  color: #fff;
}
.logo-combined {
  height: 120px;
  width: auto;
  object-fit: contain;
  filter: brightness(1.05);
}
.header-cta {
  display: inline-flex;
  padding: 8px 20px;
  background: var(--gold);
  color: var(--navy);
  font-size: 13px;
  font-weight: 600;
  text-decoration: none;
  border-radius: 6px;
  transition: var(--transition);
  letter-spacing: 0.02em;
}
.header-cta:hover { background: var(--gold-light); }

/* HERO */
.hero {
  background: var(--navy);
  padding: 110px 24px 56px;
  min-height: 100vh;
  display: flex;
  align-items: center;
}
.hero-grid {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
  width: 100%;
}
.hero-content { padding-top: 24px; }
.hero-eyebrow {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
}
.hero-title {
  font-family: var(--font-display);
  font-size: clamp(36px, 4.5vw, 56px);
  font-weight: 500;
  line-height: 1.1;
  color: #fff;
  margin-bottom: 20px;
}
.hero-sub {
  font-size: 16px;
  line-height: 1.65;
  color: var(--text-light);
  max-width: 480px;
  margin-bottom: 40px;
  font-weight: 300;
}
.hero-stats {
  display: flex;
  align-items: center;
  gap: 24px;
}
.stat { text-align: center; }
.stat-value {
  display: block;
  font-family: var(--font-display);
  font-size: 32px;
  font-weight: 600;
  color: var(--gold);
  line-height: 1.2;
}
.stat-label {
  font-size: 11px;
  color: var(--text-lighter);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 500;
}
.stat-divider {
  width: 1px;
  height: 40px;
  background: rgba(255,255,255,0.12);
}

/* FORM CARD */
.form-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-lg);
  position: relative;
  min-height: 460px;
}
.form-header { margin-bottom: 24px; }
.form-title {
  font-family: var(--font-display);
  font-size: 24px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 6px;
}
.form-subtitle {
  font-size: 13px;
  color: var(--text-muted);
  line-height: 1.5;
  margin-bottom: 16px;
}
.progress-bar {
  height: 3px;
  background: var(--border-light);
  border-radius: 2px;
  overflow: hidden;
  margin-bottom: 6px;
}
.progress-fill {
  height: 100%;
  background: var(--gold);
  border-radius: 2px;
  width: 20%;
  transition: width 0.4s ease;
}
.form-step-label {
  font-size: 11px;
  color: var(--text-muted);
  letter-spacing: 0.05em;
}

/* FORM STEPS */
.form-step {
  display: none;
  animation: fadeIn 0.3s ease;
}
.form-step.active { display: block; }
@keyframes fadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

.step-question {
  display: block;
  font-size: 15px;
  font-weight: 500;
  color: var(--navy);
  margin-bottom: 16px;
}

/* Option Grid (Step 1) */
.option-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
}
.option-btn {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  padding: 20px 12px;
  background: var(--warm-white);
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius);
  cursor: pointer;
  transition: var(--transition);
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 500;
  color: var(--charcoal);
}
.option-btn svg {
  width: 28px;
  height: 28px;
  color: var(--navy);
  stroke-width: 1.5;
  transition: var(--transition);
}
.option-btn:hover { border-color: var(--gold); background: var(--gold-dim); }
.option-btn:hover svg { color: var(--gold); }
.option-btn.selected {
  border-color: var(--gold);
  background: var(--gold-dim);
  color: var(--navy);
}
.option-btn.selected svg { color: var(--gold); }

/* Option List (Steps 2-4) */
.option-list { display: flex; flex-direction: column; gap: 8px; }
.option-row {
  width: 100%;
  text-align: left;
  padding: 14px 18px;
  background: var(--warm-white);
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius);
  cursor: pointer;
  transition: var(--transition);
  font-family: var(--font-body);
  font-size: 14px;
  font-weight: 400;
  color: var(--charcoal);
}
.option-row:hover { border-color: var(--gold); background: var(--gold-dim); }
.option-row.selected {
  border-color: var(--gold);
  background: var(--gold-dim);
  font-weight: 500;
  color: var(--navy);
}

/* Contact Form (Step 5) */
.input-group { display: flex; flex-direction: column; gap: 10px; }
.input-group input {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: 14px;
  color: var(--charcoal);
  background: var(--warm-white);
  transition: var(--transition);
  outline: none;
}
.input-group input::placeholder { color: var(--text-muted); font-weight: 300; }
.input-group input:focus { border-color: var(--gold); background: #fff; }
.input-group input.error { border-color: #c44; }

.phone-row { display: flex; gap: 8px; }
.phone-row input { flex: 1; }

.pref-row { margin-top: 4px; }
.pref-label { font-size: 12px; color: var(--text-muted); margin-bottom: 8px; display: block; }
.pref-options { display: flex; gap: 8px; }
.pref-btn {
  padding: 8px 16px;
  border: 1.5px solid var(--border-light);
  border-radius: 20px;
  background: var(--warm-white);
  font-family: var(--font-body);
  font-size: 12px;
  cursor: pointer;
  transition: var(--transition);
  color: var(--charcoal);
}
.pref-btn:hover { border-color: var(--gold); }
.pref-btn.active {
  background: var(--gold-dim);
  border-color: var(--gold);
  color: var(--navy);
  font-weight: 500;
}

.submit-btn {
  width: 100%;
  padding: 14px;
  background: var(--gold);
  color: var(--navy);
  border: none;
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: 15px;
  font-weight: 600;
  cursor: pointer;
  transition: var(--transition);
  margin-top: 16px;
  letter-spacing: 0.02em;
}
.submit-btn:hover { background: var(--gold-light); }
.submit-btn:disabled { opacity: 0.6; cursor: not-allowed; }
.submit-loader {
  display: inline-block;
  width: 18px; height: 18px;
  border: 2px solid var(--navy);
  border-top-color: transparent;
  border-radius: 50%;
  animation: spin 0.7s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }

.form-disclaimer {
  font-size: 11px;
  color: var(--text-muted);
  text-align: center;
  margin-top: 12px;
  line-height: 1.5;
}

/* Success */
.form-success {
  text-align: center;
  padding: 40px 20px;
}
.success-icon svg { width: 56px; height: 56px; color: var(--gold); margin-bottom: 16px; }
.success-title {
  font-family: var(--font-display);
  font-size: 24px;
  color: var(--navy);
  margin-bottom: 12px;
}
.success-text { font-size: 14px; color: var(--charcoal); margin-bottom: 8px; line-height: 1.6; }
.success-sub { font-size: 12px; color: var(--text-muted); font-style: italic; }

/* Back Button */
.back-btn {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 6px 12px;
  background: none;
  border: 1px solid var(--border-light);
  border-radius: 6px;
  font-family: var(--font-body);
  font-size: 12px;
  color: var(--text-muted);
  cursor: pointer;
  transition: var(--transition);
  margin-top: 16px;
}
.back-btn:hover { color: var(--navy); border-color: var(--navy); }

/* TRUST BAR */
.trust-bar {
  background: var(--warm-white);
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
  padding: 32px 24px;
}
.trust-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.trust-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
}
.trust-item svg { width: 24px; height: 24px; flex-shrink: 0; color: var(--gold); margin-top: 2px; }
.trust-item strong { display: block; font-size: 13px; font-weight: 600; color: var(--navy); margin-bottom: 2px; }
.trust-item span { font-size: 12px; color: var(--text-muted); }

/* SECTIONS */
.section-inner { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section-eyebrow {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 8px;
}
.section-title {
  font-family: var(--font-display);
  font-size: clamp(28px, 3vw, 40px);
  font-weight: 500;
  color: var(--navy);
  margin-bottom: 32px;
}

/* HOW IT WORKS */
.how-section { padding: 56px 24px; background: #fff; }
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.step-card { padding: 24px; }
.step-num {
  font-family: var(--font-display);
  font-size: 36px;
  font-weight: 600;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 16px;
  display: block;
}
.step-card h3 { font-size: 16px; font-weight: 600; color: var(--navy); margin-bottom: 8px; }
.step-card p { font-size: 13px; color: var(--text-muted); line-height: 1.6; }

/* ASSETS */
.assets-section { padding: 56px 24px; background: var(--off-white); }
.assets-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.asset-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  border: 1px solid var(--border-light);
  transition: var(--transition);
}
.asset-card:hover { border-color: var(--gold); box-shadow: var(--shadow-lg); }
.asset-icon { margin-bottom: 16px; }
.asset-icon svg { width: 32px; height: 32px; color: var(--gold); }
.asset-card h3 { font-size: 15px; font-weight: 600; color: var(--navy); margin-bottom: 8px; }
.asset-card p { font-size: 13px; color: var(--text-muted); line-height: 1.55; margin-bottom: 12px; }


/* WHY */
.why-section { padding: 56px 24px; background: var(--navy); }
.why-section .section-eyebrow { color: var(--gold); }
.why-section .section-title { color: #fff; }
.why-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; margin-bottom: 40px; }
.why-item { padding: 28px; border: 1px solid rgba(255,255,255,0.08); border-radius: var(--radius-lg); }
.why-item h3 { font-size: 16px; font-weight: 600; color: #fff; margin-bottom: 8px; }
.why-item p { font-size: 13px; color: var(--text-light); line-height: 1.65; }
.why-cta { text-align: center; }
.cta-button {
  display: inline-block;
  padding: 14px 36px;
  background: var(--gold);
  color: var(--navy);
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  border-radius: var(--radius);
  transition: var(--transition);
  letter-spacing: 0.02em;
}
.cta-button:hover { background: var(--gold-light); }

/* FOOTER */
.footer { background: var(--navy); border-top: 1px solid rgba(201,168,76,0.15); padding: 40px 24px 20px; }
.footer-inner { max-width: 1200px; margin: 0 auto; }
.footer-top { display: flex; justify-content: space-between; gap: 32px; margin-bottom: 24px; padding-bottom: 20px; border-bottom: 1px solid rgba(255,255,255,0.06); }
.footer-brand { max-width: 400px; }
.footer-logo-img {
  height: 56px;
  width: auto;
  object-fit: contain;
  display: block;
  margin-bottom: 12px;
  filter: brightness(1.05);
}
.footer-brand p { font-size: 13px; color: var(--text-lighter); line-height: 1.6; }
.footer-contact h4 { font-size: 13px; color: var(--gold); margin-bottom: 8px; font-weight: 600; letter-spacing: 0.05em; }
.footer-contact p { font-size: 13px; color: var(--text-lighter); margin-bottom: 4px; }
.footer-bottom { text-align: center; }
.footer-bottom p { font-size: 12px; color: var(--text-lighter); margin-bottom: 4px; }
.footer-legal { font-size: 11px; color: rgba(255,255,255,0.3); max-width: 600px; margin: 8px auto; }
.footer-attr { display: inline-block; font-size: 11px; color: rgba(255,255,255,0.25); text-decoration: none; margin-top: 8px; }
.footer-attr:hover { color: rgba(255,255,255,0.5); }

/* MOBILE */
@media (max-width: 768px) {
  /* Header: compact */
  .header-inner { height: 56px; }
  .logo-combined { height: 48px; }

  /* Hero: everything above the fold, all navy */
  .hero {
    padding: 68px 16px 20px;
    min-height: 100vh;
    min-height: 100dvh;
    display: flex;
    flex-direction: column;
  }
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 20px;
    display: flex;
    flex-direction: column;
    width: 100%;
    flex: 1;
    justify-content: center;
    padding-bottom: 16px;
  }

  /* Hero text: centered */
  .hero-content {
    padding-top: 0;
    text-align: center;
    flex-shrink: 0;
  }
  .hero-eyebrow { margin-bottom: 8px; font-size: 10px; text-align: center; letter-spacing: 0.16em; }
  .hero-title {
    font-size: 26px;
    text-align: center;
    margin-bottom: 10px;
    line-height: 1.2;
  }
  .hero-title br { display: none; }
  .hero-sub {
    font-size: 13px;
    text-align: center;
    margin: 0 auto;
    line-height: 1.55;
    max-width: 320px;
  }
  .hero-stats { display: none; }

  /* Form card */
  .form-card {
    padding: 18px 16px 16px;
    min-height: auto;
    border-radius: 10px;
    box-shadow: 0 4px 24px rgba(0,0,0,0.15);
  }
  .form-header { margin-bottom: 12px; }
  .form-title { font-size: 18px; margin-bottom: 3px; }
  .form-subtitle { font-size: 11.5px; margin-bottom: 8px; line-height: 1.4; }
  .progress-bar { margin-bottom: 4px; }
  .form-step-label { font-size: 10px; }

  .step-question { font-size: 14px; margin-bottom: 10px; }

  /* Option grid */
  .option-grid { grid-template-columns: repeat(3, 1fr); gap: 7px; }
  .option-btn { padding: 14px 6px; gap: 5px; }
  .option-btn svg { width: 22px; height: 22px; }
  .option-btn span { font-size: 10.5px; }

  /* Option list */
  .option-list { gap: 6px; }
  .option-row { padding: 11px 14px; font-size: 13px; }

  /* Contact form inputs */
  .input-group { gap: 8px; }
  .input-group input { padding: 10px 14px; font-size: 13px; }
  .pref-row { margin-top: 2px; }
  .pref-label { margin-bottom: 6px; font-size: 11px; }
  .pref-btn { padding: 6px 14px; font-size: 11px; }
  .submit-btn { padding: 12px; font-size: 14px; margin-top: 12px; }
  .form-disclaimer { font-size: 10px; margin-top: 8px; }

  /* Back button */
  .back-btn { margin-top: 10px; }

  /* Sections below: tighter */
  .trust-bar { padding: 18px 16px; }
  .trust-inner { grid-template-columns: repeat(2, 1fr); gap: 12px; }
  .trust-item { gap: 8px; }
  .trust-item svg { width: 20px; height: 20px; }
  .trust-item strong { font-size: 12px; }
  .trust-item span { font-size: 11px; }

  .how-section { padding: 40px 16px; }
  .section-eyebrow { margin-bottom: 4px; font-size: 10px; }
  .section-title { margin-bottom: 20px; }
  .steps-grid { grid-template-columns: 1fr; gap: 12px; }
  .step-card { padding: 16px; }
  .step-num { font-size: 28px; margin-bottom: 8px; }
  .step-card h3 { font-size: 14px; margin-bottom: 4px; }
  .step-card p { font-size: 12px; }

  .assets-section { padding: 40px 16px; }
  .assets-grid { grid-template-columns: repeat(2, 1fr); gap: 10px; }
  .asset-card { padding: 18px 14px; }
  .asset-icon { margin-bottom: 10px; }
  .asset-icon svg { width: 26px; height: 26px; }
  .asset-card h3 { font-size: 13px; margin-bottom: 4px; }
  .asset-card p { font-size: 12px; margin-bottom: 0; }

  .why-section { padding: 40px 16px; }
  .why-grid { grid-template-columns: 1fr; gap: 10px; margin-bottom: 24px; }
  .why-item { padding: 18px; }
  .why-item h3 { font-size: 14px; margin-bottom: 4px; }
  .why-item p { font-size: 12px; }
  .cta-button { padding: 12px 28px; font-size: 13px; }

  .footer { padding: 28px 16px 16px; }
  .footer-top { flex-direction: column; gap: 16px; margin-bottom: 16px; padding-bottom: 16px; }
  .footer-logo-img { height: 40px; margin-bottom: 8px; }
  .footer-brand p { font-size: 12px; }
  .footer-contact h4 { font-size: 12px; margin-bottom: 4px; }
  .footer-contact p { font-size: 12px; }
  .footer-bottom p { font-size: 11px; }
  .footer-legal { font-size: 10px; margin: 4px auto; }
}

@media (max-width: 480px) {
  .option-grid { grid-template-columns: repeat(3, 1fr); }
  .trust-inner { grid-template-columns: 1fr; }
  .assets-grid { grid-template-columns: 1fr; }
  .header-inner { padding: 0 16px; }
  .header-cta { padding: 7px 14px; font-size: 12px; }
}