/* =============================================
   ZenFinanceHub — Main Stylesheet
   Theme: Dark Luxury with Gold Accents
   ============================================= */

:root {
  --gold:        #C9A84C;
  --gold-light:  #e0c070;
  --gold-dark:   #a07830;
  --dark:        #0d0d0d;
  --dark-2:      #141414;
  --dark-3:      #1c1c1c;
  --dark-4:      #252525;
  --white:       #ffffff;
  --off-white:   #f5f4f0;
  --gray:        #999999;
  --gray-light:  #cccccc;
  --font-serif:  'Playfair Display', Georgia, serif;
  --font-sans:   'Inter', system-ui, sans-serif;
  --radius:      8px;
  --transition:  0.3s ease;
  --max-width:   1200px;
}

/* RESET */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-sans);
  background: var(--dark);
  color: var(--white);
  line-height: 1.7;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
button { cursor: pointer; border: none; background: none; font: inherit; }

/* UTILS */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 2rem;
}
.section { padding: 100px 0; }
.eyebrow {
  display: block;
  font-family: var(--font-sans);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1rem;
}
.eyebrow--light { color: var(--gold-light); }
.section__header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 4rem;
}
.section__header--light h2,
.section__header--light p { color: var(--white); }
.section__header h2 { margin-bottom: 1rem; }
.section__header p { color: var(--gray); }

h1, h2, h3 { font-family: var(--font-serif); line-height: 1.2; }
h1 { font-size: clamp(2.5rem, 5vw, 4rem); }
h2 { font-size: clamp(2rem, 4vw, 3rem); }
h3 { font-size: 1.4rem; }

/* BUTTONS */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.85rem 2rem;
  border-radius: var(--radius);
  font-size: 0.9rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  transition: all var(--transition);
}
.btn--gold {
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--dark);
}
.btn--gold:hover {
  background: linear-gradient(135deg, var(--gold-light), var(--gold));
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(201,168,76,0.35);
}
.btn--outline {
  border: 1px solid rgba(255,255,255,0.3);
  color: var(--white);
}
.btn--outline:hover {
  border-color: var(--gold);
  color: var(--gold);
}
.btn--full { width: 100%; justify-content: center; }


/* ── NAV ───────────────────────────────────── */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  padding: 1.25rem 0;
  transition: all var(--transition);
}
.nav.scrolled {
  background: rgba(13,13,13,0.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(201,168,76,0.15);
  padding: 0.75rem 0;
}
.nav__inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 2rem;
  display: flex;
  align-items: center;
  gap: 2rem;
}
.nav__logo img {
  height: 48px;
  width: 48px;
  object-fit: contain;
}
.nav__links {
  display: flex;
  gap: 2rem;
  margin-left: auto;
}
.nav__links a {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--gray-light);
  transition: color var(--transition);
}
.nav__links a:hover { color: var(--gold); }
.nav__cta { margin-left: 1rem; padding: 0.6rem 1.4rem; }
.nav__burger {
  display: none;
  flex-direction: column;
  gap: 5px;
  margin-left: auto;
}
.nav__burger span {
  display: block;
  width: 24px; height: 2px;
  background: var(--white);
  transition: all var(--transition);
}
.nav__mobile {
  display: none;
  flex-direction: column;
  gap: 1rem;
  padding: 1.5rem 2rem;
  background: var(--dark-2);
  border-top: 1px solid rgba(201,168,76,0.15);
}
.nav__mobile a { font-size: 1rem; color: var(--gray-light); }
.nav__mobile a:hover { color: var(--gold); }
.nav__mobile.open { display: flex; }


/* ── HERO ──────────────────────────────────── */
.hero {
  min-height: 100vh;
  display: flex;
  align-items: center;
  position: relative;
  background:
    linear-gradient(135deg, rgba(13,13,13,0.92) 0%, rgba(13,13,13,0.75) 100%),
    url('https://images.unsplash.com/photo-1554224155-6726b3ff858f?w=1800&q=80') center/cover no-repeat;
  padding: 120px 2rem 80px;
}
.hero__overlay {
  position: absolute; inset: 0;
  background: radial-gradient(ellipse at 70% 50%, rgba(201,168,76,0.08) 0%, transparent 70%);
}
.hero__content {
  max-width: var(--max-width);
  margin: 0 auto;
  width: 100%;
  position: relative;
  z-index: 1;
  max-width: 720px;
}
.hero__eyebrow {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.5rem;
}
.hero__headline {
  color: var(--white);
  margin-bottom: 1.5rem;
}
.hero__sub {
  font-size: 1.15rem;
  color: var(--gray-light);
  margin-bottom: 2.5rem;
  max-width: 560px;
}
.hero__actions { display: flex; gap: 1rem; flex-wrap: wrap; }
.hero__scroll {
  position: absolute;
  bottom: 2.5rem; left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.5rem;
  color: var(--gray);
  font-size: 0.7rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
}
.hero__scroll-line {
  width: 1px; height: 40px;
  background: linear-gradient(to bottom, var(--gold), transparent);
  animation: scrollPulse 2s ease-in-out infinite;
}
@keyframes scrollPulse {
  0%, 100% { opacity: 0.3; }
  50% { opacity: 1; }
}


/* ── STATS ─────────────────────────────────── */
.stats {
  background: linear-gradient(135deg, var(--gold-dark), var(--gold));
  padding: 3rem 2rem;
}
.stats__inner {
  max-width: var(--max-width);
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  text-align: center;
}
.stats__number {
  display: block;
  font-family: var(--font-serif);
  font-size: 2.5rem;
  font-weight: 700;
  color: var(--dark);
}
.stats__label {
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(13,13,13,0.7);
}


/* ── ABOUT ─────────────────────────────────── */
.about { background: var(--dark-2); }
.about__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 5rem;
  align-items: center;
}
.about__text h2 { margin-bottom: 1.5rem; }
.about__text p { color: var(--gray); margin-bottom: 1.25rem; }
.about__text .btn { margin-top: 0.5rem; }
.about__visual {
  position: relative;
  display: flex;
  justify-content: center;
  align-items: center;
  min-height: 380px;
}
.about__logo-ring {
  width: 220px; height: 220px;
  border-radius: 50%;
  border: 1px solid rgba(201,168,76,0.3);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
}
.about__logo-ring::before {
  content: '';
  position: absolute; inset: -16px;
  border-radius: 50%;
  border: 1px solid rgba(201,168,76,0.15);
}
.about__logo-ring img {
  width: 160px; height: 160px;
  object-fit: contain;
}
.about__card {
  position: absolute;
  background: var(--dark-3);
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: var(--radius);
  padding: 0.75rem 1.25rem;
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.85rem;
  font-weight: 600;
  white-space: nowrap;
}
.about__card-icon { color: var(--gold); font-size: 0.6rem; }
.about__card--1 { top: 10%; right: 0; }
.about__card--2 { bottom: 10%; left: 0; }


/* ── SERVICES ──────────────────────────────── */
.services { background: var(--dark); }
.services__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
.service-card {
  background: var(--dark-2);
  border: 1px solid rgba(255,255,255,0.06);
  border-radius: 12px;
  padding: 2.5rem 2rem;
  transition: all var(--transition);
}
.service-card:hover {
  border-color: rgba(201,168,76,0.4);
  transform: translateY(-4px);
  box-shadow: 0 16px 40px rgba(0,0,0,0.4);
}
.service-card__icon {
  width: 48px; height: 48px;
  color: var(--gold);
  margin-bottom: 1.5rem;
}
.service-card__icon svg { width: 100%; height: 100%; }
.service-card h3 { margin-bottom: 0.75rem; font-size: 1.2rem; }
.service-card p { color: var(--gray); font-size: 0.9rem; margin-bottom: 1.5rem; }
.service-card__link {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--gold);
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  transition: gap var(--transition);
}
.service-card__link:hover { gap: 0.7rem; }
.service-card--cta {
  background: linear-gradient(135deg, rgba(201,168,76,0.12), rgba(201,168,76,0.05));
  border-color: rgba(201,168,76,0.25);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: center;
}
.service-card--cta .service-card__logo {
  width: 64px; height: 64px;
  object-fit: contain;
  margin-bottom: 1.5rem;
}
.service-card--cta h3 { color: var(--gold-light); }


/* ── WHY US ────────────────────────────────── */
.why-us { background: var(--dark-3); }
.why-us .section__header h2 { color: var(--white); }
.why-us .section__header p { color: var(--gray); }
.why-us__grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 2rem;
}
.why-card {
  background: var(--dark-4);
  border-left: 3px solid var(--gold);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 2rem;
}
.why-card__number {
  font-family: var(--font-serif);
  font-size: 3rem;
  font-weight: 700;
  color: rgba(201,168,76,0.15);
  line-height: 1;
  margin-bottom: 0.75rem;
}
.why-card h3 { margin-bottom: 0.75rem; font-size: 1.15rem; }
.why-card p { color: var(--gray); font-size: 0.9rem; }


/* ── TESTIMONIALS ──────────────────────────── */
.testimonials { background: var(--dark-2); }
.testimonials__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
.testimonial-card {
  background: var(--dark-3);
  border: 1px solid rgba(255,255,255,0.06);
  border-radius: 12px;
  padding: 2rem;
}
.testimonial-card__stars { color: var(--gold); font-size: 1rem; margin-bottom: 1rem; }
.testimonial-card p { color: var(--gray-light); font-size: 0.9rem; margin-bottom: 1.5rem; font-style: italic; }
.testimonial-card__author { display: flex; align-items: center; gap: 1rem; }
.testimonial-card__avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold-dark), var(--gold));
  color: var(--dark);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  font-weight: 700;
  flex-shrink: 0;
}
.testimonial-card__author strong { display: block; font-size: 0.9rem; }
.testimonial-card__author span { font-size: 0.78rem; color: var(--gray); }


/* ── FAQ ───────────────────────────────────── */
.faq { background: var(--dark); }
.faq__grid {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 5rem;
  align-items: start;
}
.faq__left h2 { margin: 0.5rem 0 1rem; }
.faq__left p { color: var(--gray); margin-bottom: 2rem; }
.faq-item {
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.faq-item__question {
  width: 100%;
  text-align: left;
  padding: 1.25rem 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--white);
  transition: color var(--transition);
}
.faq-item__question:hover { color: var(--gold); }
.faq-item__icon {
  font-size: 1.4rem;
  color: var(--gold);
  flex-shrink: 0;
  transition: transform var(--transition);
}
.faq-item.open .faq-item__icon { transform: rotate(45deg); }
.faq-item__answer {
  display: none;
  padding-bottom: 1.25rem;
}
.faq-item.open .faq-item__answer { display: block; }
.faq-item__answer p { color: var(--gray); font-size: 0.9rem; }


/* ── CONTACT ───────────────────────────────── */
.contact {
  background: var(--dark-2);
}
.contact__grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 5rem;
  align-items: start;
}
.contact__left h2 { color: var(--white); margin: 0.5rem 0 1rem; }
.contact__left p { color: var(--gray); margin-bottom: 2rem; }
.contact__details { display: flex; flex-direction: column; gap: 1rem; }
.contact__detail {
  display: flex;
  align-items: center;
  gap: 1rem;
  color: var(--gray-light);
  font-size: 0.9rem;
}
.contact__detail svg { width: 20px; height: 20px; color: var(--gold); flex-shrink: 0; }
.contact__detail a:hover { color: var(--gold); }

.contact-form { display: flex; flex-direction: column; gap: 1.25rem; }
.contact-form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
.contact-form__field { display: flex; flex-direction: column; gap: 0.5rem; }
.contact-form__field label { font-size: 0.8rem; font-weight: 600; color: var(--gray-light); letter-spacing: 0.05em; }
.contact-form__field input,
.contact-form__field select,
.contact-form__field textarea {
  background: var(--dark-3);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius);
  padding: 0.85rem 1rem;
  color: var(--white);
  font-family: var(--font-sans);
  font-size: 0.9rem;
  transition: border-color var(--transition);
  outline: none;
  appearance: none;
  resize: vertical;
}
.contact-form__field input::placeholder,
.contact-form__field textarea::placeholder { color: var(--gray); }
.contact-form__field input:focus,
.contact-form__field select:focus,
.contact-form__field textarea:focus {
  border-color: var(--gold);
}
.contact-form__field select option { background: var(--dark-3); }


/* ── FOOTER ────────────────────────────────── */
.footer {
  background: var(--dark);
  border-top: 1px solid rgba(255,255,255,0.06);
  padding: 4rem 0 2rem;
}
.footer__top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 3rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  margin-bottom: 2rem;
}
.footer__brand img {
  width: 56px; height: 56px;
  object-fit: contain;
  margin-bottom: 1rem;
}
.footer__brand p { color: var(--gray); font-size: 0.85rem; max-width: 260px; }
.footer__links { display: flex; flex-direction: column; gap: 0.75rem; }
.footer__links h4 {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.5rem;
}
.footer__links a { font-size: 0.85rem; color: var(--gray); transition: color var(--transition); }
.footer__links a:hover { color: var(--white); }
.footer__contact h4 {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.75rem;
}
.footer__contact p { font-size: 0.85rem; color: var(--gray); margin-bottom: 0.5rem; }
.footer__contact a:hover { color: var(--white); }
.footer__bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.8rem;
  color: var(--gray);
}
.footer__legal { display: flex; gap: 1.5rem; }
.footer__legal a:hover { color: var(--gold); }


/* ── RESPONSIVE ────────────────────────────── */
@media (max-width: 1024px) {
  .about__grid { grid-template-columns: 1fr; gap: 3rem; }
  .about__visual { display: none; }
  .services__grid { grid-template-columns: repeat(2, 1fr); }
  .footer__top { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .section { padding: 70px 0; }
  .nav__links, .nav__cta { display: none; }
  .nav__burger { display: flex; }
  .stats__inner { grid-template-columns: repeat(2, 1fr); }
  .services__grid { grid-template-columns: 1fr; }
  .why-us__grid { grid-template-columns: 1fr; }
  .testimonials__grid { grid-template-columns: 1fr; }
  .faq__grid { grid-template-columns: 1fr; gap: 3rem; }
  .contact__grid { grid-template-columns: 1fr; gap: 3rem; }
  .contact-form__row { grid-template-columns: 1fr; }
  .footer__top { grid-template-columns: 1fr; gap: 2rem; }
  .footer__bottom { flex-direction: column; gap: 1rem; text-align: center; }
}

@media (max-width: 480px) {
  .stats__inner { grid-template-columns: 1fr; }
  .hero__actions { flex-direction: column; }
}

/* ── ANIMATIONS ────────────────────────────── */
.fade-in {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}