/* ===================================================================
   McCoy Finance · shared chrome (nav, footer, tokens, base)
   Used by every dedicated landing page. Mirrors the homepage system.
   =================================================================== */

/* ─── RESET & BASE ──────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'DM Sans', sans-serif;
  background: #ffffff;
  color: #2C3E35;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

/* ─── DESIGN TOKENS ─────────────────────────────── */
:root {
  --forest:    #2C3E35;
  --cream:     #F0E8D8;
  --parchment: #E8DCC8;
  --teal:      #7BADA8;
  --teal-dk:   #5E9A94;
  --copper:    #C4855A;
  --copper-lt: rgba(196,133,90,0.12);
  --muted:     #6B7A74;
  --ink:       #1A2820;
  --white:     #FDFAF5;
  --border:    rgba(44,62,53,0.09);
  --ease:      cubic-bezier(0.25, 0.46, 0.45, 0.94);
}

/* ─── GRAIN TEXTURE ─────────────────────────────── */
body::before {
  content: '';
  position: fixed;
  inset: 0;
  pointer-events: none;
  z-index: 9999;
  opacity: 0.025;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
  background-size: 200px;
}

/* ─── SCROLL ANIMATIONS ─────────────────────────── */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.75s var(--ease), transform 0.75s var(--ease);
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}
.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
.reveal-delay-4 { transition-delay: 0.4s; }
.reveal-delay-5 { transition-delay: 0.5s; }

/* ─── HEADER · single row, fixed forest, wave base ─── */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  background: var(--forest);
}
.nav-wave {
  position: absolute;
  top: calc(100% - 1px);
  left: 0;
  right: 0;
  line-height: 0;
  pointer-events: none;
}
.nav-wave svg {
  display: block;
  width: 100%;
  height: 26px;
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 max(72px, calc((100% - 1180px) / 2));
  height: 116px;
  gap: 40px;
}
.nav-logo {
  text-decoration: none;
  display: flex;
  align-items: center;
  flex-shrink: 0;
}
.nav-logo img {
  height: 64px;
  width: auto;
  display: block;
  max-width: 380px;
  filter: drop-shadow(0 1px 2px rgba(0,0,0,0.3));
}
.nav-links {
  display: flex;
  gap: 36px;
  list-style: none;
  align-items: center;
  flex: 1;
  justify-content: center;
}
.nav-links a {
  font-size: 15.5px;
  color: rgba(255,255,255,0.88);
  text-decoration: none;
  letter-spacing: 0.1px;
  transition: color 0.2s;
  font-weight: 400;
}
.nav-links a:hover { color: #fff; }

/* Dropdown */
.nav-dropdown { position: relative; }
.nav-dropdown-toggle {
  display: flex;
  align-items: center;
  gap: 5px;
  font-size: 15px;
  color: rgba(255,255,255,0.88);
  cursor: pointer;
  font-family: 'DM Sans', sans-serif;
  background: none;
  border: none;
  padding: 0;
  letter-spacing: 0.1px;
  transition: color 0.2s;
}
.nav-dropdown-toggle:hover { color: #fff; }
.nav-dropdown-toggle svg { transition: transform 0.2s; }
.nav-dropdown:hover .nav-dropdown-toggle svg,
.nav-dropdown:focus-within .nav-dropdown-toggle svg { transform: rotate(180deg); }
.nav-dropdown-menu {
  position: absolute;
  top: calc(100% + 14px);
  left: 50%;
  transform: translateX(-50%) translateY(-4px);
  background: #fff;
  border: 1px solid var(--border);
  box-shadow: 0 12px 40px rgba(44,62,53,0.12);
  min-width: 230px;
  padding: 8px 0;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.2s var(--ease), transform 0.2s var(--ease), visibility 0.2s;
  z-index: 200;
}
.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown:focus-within .nav-dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}
.nav-dropdown-menu a {
  display: block;
  padding: 11px 22px;
  font-size: 13px;
  color: var(--muted);
  text-decoration: none;
  transition: background 0.15s, color 0.15s;
}
.nav-dropdown-menu a:hover { background: rgba(123,173,168,0.08); color: var(--forest); }
.nav-dropdown-menu .dropdown-divider { height: 1px; background: var(--border); margin: 6px 0; }

.nav-right { display: flex; align-items: center; gap: 20px; flex-shrink: 0; }

/* CTA button */
.nav-cta {
  background: var(--teal);
  color: #fff;
  font-size: 13px;
  font-weight: 500;
  padding: 13px 32px;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  border: 1.5px solid var(--teal);
  cursor: pointer;
  font-family: 'DM Sans', sans-serif;
  transition: background 0.25s, border-color 0.25s, color 0.25s, transform 0.15s;
  white-space: nowrap;
  border-radius: 3px;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 7px;
}
.nav-cta:hover { background: var(--teal-dk); border-color: var(--teal-dk); transform: translateY(-1px); }

/* CTA dropdown */
.nav-cta-wrap { position: relative; display: inline-block; }
.nav-cta-chevron { transition: transform 0.25s; }
.nav-cta-wrap:hover .nav-cta-chevron,
.nav-cta-wrap:focus-within .nav-cta-chevron { transform: rotate(180deg); }
.nav-cta-menu {
  position: absolute;
  top: calc(100% + 14px);
  right: 0;
  min-width: 296px;
  background: #fff;
  border: 1px solid rgba(44,62,53,0.08);
  border-radius: 8px;
  box-shadow: 0 18px 48px rgba(44,62,53,0.16), 0 4px 12px rgba(44,62,53,0.06);
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: opacity 0.22s var(--ease), transform 0.22s var(--ease), visibility 0.22s;
  z-index: 200;
}
.nav-cta-menu::before { content: ''; position: absolute; top: -14px; left: 0; right: 0; height: 14px; }
.nav-cta-wrap:hover .nav-cta-menu,
.nav-cta-wrap:focus-within .nav-cta-menu { opacity: 1; visibility: visible; transform: translateY(0); }
.nav-cta-item {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 12px 14px;
  border-radius: 6px;
  text-decoration: none;
  transition: background 0.16s;
}
.nav-cta-item:hover { background: rgba(123,173,168,0.10); }
.nav-cta-item-ic {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--copper-lt);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.nav-cta-item-ic svg { width: 18px; height: 18px; stroke: var(--copper); }
.nav-cta-item-txt { display: flex; flex-direction: column; gap: 2px; }
.nav-cta-item-label { font-size: 14px; font-weight: 600; color: var(--forest); letter-spacing: 0.1px; }
.nav-cta-item-sub { font-size: 12px; color: var(--muted); line-height: 1.4; }

/* Hamburger */
.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 6px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}
.nav-hamburger span {
  display: block;
  width: 26px;
  height: 2px;
  background: rgba(255,255,255,0.9);
  transition: background 0.35s;
  border-radius: 1px;
}

/* Mobile menu */
.mobile-menu {
  display: none;
  position: fixed;
  top: 96px;
  left: 0;
  right: 0;
  background: rgba(44,62,53,0.98);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  padding: 32px 32px 40px;
  z-index: 99;
  flex-direction: column;
  gap: 4px;
}
.mobile-menu.open { display: flex; }
.mobile-menu a {
  font-size: 17px;
  color: rgba(255,255,255,0.82);
  text-decoration: none;
  padding: 14px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  transition: color 0.2s;
  font-weight: 400;
}
.mobile-menu a:last-of-type { border-bottom: none; }
.mobile-menu a:hover { color: #fff; }
.mobile-menu .mobile-sub {
  font-size: 13px;
  color: rgba(255,255,255,0.5);
  padding: 16px 0 6px;
  letter-spacing: 1.6px;
  text-transform: uppercase;
  border-bottom: none;
}
.mobile-menu .mobile-indent { padding-left: 16px; font-size: 15.5px; }
.mobile-menu .mobile-cta {
  display: block;
  background: var(--teal);
  color: #fff;
  font-size: 13px;
  font-weight: 500;
  padding: 16px 28px;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  text-align: center;
  margin-top: 20px;
  border: none;
  cursor: pointer;
  font-family: 'DM Sans', sans-serif;
  text-decoration: none;
  border-radius: 3px;
}
.mobile-menu .mobile-cta.mobile-cta-alt {
  background: transparent;
  color: var(--forest);
  border: 1.5px solid rgba(44,62,53,0.22);
  margin-top: 12px;
}

/* ─── WAVE DIVIDERS ─────────────────────────────── */
.wave-divider {
  display: block;
  width: 100%;
  overflow: hidden;
  line-height: 0;
  margin: 0;
  padding: 0;
}
.wave-divider svg { display: block; width: 100%; }

/* ─── FOOTER ────────────────────────────────────── */
.footer {
  background: var(--ink);
  padding: 64px 72px;
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.4fr;
  gap: 48px;
}
.footer-brand-name {
  font-family: 'Cormorant Garant', serif;
  font-size: 24px;
  font-weight: 700;
  color: rgba(245,237,217,0.95);
  margin-bottom: 10px;
  letter-spacing: -0.3px;
}
.footer-brand {
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  color: rgba(245,237,217,0.7);
  line-height: 1.85;
}
.footer-tagline {
  font-size: 11px;
  color: var(--copper);
  letter-spacing: 2px;
  text-transform: uppercase;
  margin-top: 18px;
  display: block;
  font-weight: 500;
}
.footer-col-title {
  font-size: 11px;
  color: rgba(245,237,217,0.55);
  letter-spacing: 2.5px;
  text-transform: uppercase;
  margin-bottom: 20px;
  font-weight: 500;
}
.footer-nav { display: flex; flex-direction: column; gap: 12px; }
.footer-nav a {
  font-size: 14px;
  color: rgba(245,237,217,0.75);
  text-decoration: none;
  letter-spacing: 0.2px;
  transition: color 0.2s;
}
.footer-nav a:hover { color: var(--copper); }
.footer-contact { display: flex; flex-direction: column; gap: 12px; }
.footer-contact a {
  font-size: 14px;
  color: rgba(245,237,217,0.85);
  text-decoration: none;
  transition: color 0.2s;
}
.footer-contact a:hover { color: var(--copper); }
.footer-contact-label {
  font-size: 10.5px;
  color: rgba(245,237,217,0.5);
  letter-spacing: 1.8px;
  text-transform: uppercase;
  margin-top: 10px;
  margin-bottom: 4px;
  font-weight: 500;
}
.footer-compliance {
  font-size: 12px;
  color: rgba(245,237,217,0.6);
  line-height: 1.85;
  text-align: right;
}
.footer-bottom {
  background: var(--ink);
  border-top: 1px solid rgba(245,237,217,0.12);
  padding: 18px 72px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.footer-bottom span { font-size: 11.5px; color: rgba(245,237,217,0.55); }
.footer-socials {
  display: flex;
  gap: 10px;
  margin-top: 22px;
}
.footer-social {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 1px solid rgba(245,237,217,0.18);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(245,237,217,0.75);
  transition: color 0.2s, border-color 0.2s, background 0.2s, transform 0.2s;
}
.footer-social:hover {
  color: #fff;
  border-color: var(--copper);
  background: var(--copper);
  transform: translateY(-2px);
}
.footer-social svg { width: 16px; height: 16px; display: block; }
.footer-disclaimer {
  background: var(--ink);
  border-top: 1px solid rgba(245,237,217,0.12);
  padding: 26px 72px 28px;
  font-size: 11.5px;
  line-height: 1.7;
  color: rgba(245,237,217,0.5);
  font-weight: 300;
  max-width: 100%;
}
.footer-disclaimer-label {
  font-size: 10px;
  letter-spacing: 2.2px;
  text-transform: uppercase;
  color: rgba(245,237,217,0.4);
  margin-bottom: 8px;
  font-weight: 500;
}

/* ─── RESPONSIVE ─────────────────────────────────── */
@media (max-width: 1100px) {
  .nav { padding: 0 40px; height: 108px; }
  .nav-links { gap: 24px; }
  .footer { padding: 52px 40px; gap: 32px; }
  .footer-bottom { padding: 16px 40px; }
  .footer-disclaimer { padding: 24px 40px 26px; }
}
@media (max-width: 900px) {
  .nav-links { display: none; }
  .nav-hamburger { display: flex; }
  .nav { padding: 0 24px; height: 96px; }
  .nav-logo img { height: 52px; width: auto; max-width: 280px; }
  .nav-cta, .nav-cta-wrap { display: none; }
  .mobile-menu { top: 96px; }
  .footer { grid-template-columns: 1fr 1fr; }
  .footer-compliance { text-align: left; }
  .footer-bottom { padding: 16px 28px; flex-direction: column; gap: 6px; text-align: center; }
}
@media (max-width: 640px) {
  .nav { padding: 0 20px; }
  .footer { grid-template-columns: 1fr; padding: 44px 20px; gap: 28px; }
  .footer-bottom { padding: 14px 20px; }
  .footer-disclaimer { padding: 22px 20px 24px; font-size: 11px; }
  .mobile-menu { padding: 24px 20px; }
}

@media (max-width: 480px) {
  .nav { padding: 0 16px; }
  .nav-logo img { height: 46px; max-width: 220px; }
  .mobile-menu { padding: 22px 18px; }
  .mobile-menu a { font-size: 16.5px; padding: 15px 0; }
  .mobile-menu .mobile-cta { padding: 17px 28px; min-height: 52px; }
  .footer { padding: 40px 18px; gap: 24px; }
  .footer-bottom { padding: 14px 18px; }
  .footer-disclaimer { padding: 20px 18px 22px; }
  .footer-social { width: 40px; height: 40px; }
}