/* ============================================================
   BMR CFPCC — Consumer Financial Compliance Center
   Shared Design System (rebuilt from site screenshots)
   Navy #040f22 / #06172e / #0a192f · Gold #d4af37 / #c5a059
   ============================================================ */

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

:root{
  --navy:#040f22;
  --navy2:#06172e;
  --navy3:#0a192f;
  --card:#0b1c35;
  --gold:#d4af37;
  --gold2:#c5a059;
  --gold-soft:rgba(212,175,55,0.14);
  --line:rgba(212,175,55,0.18);
  --white:#ffffff;
  --text:#e6ecf5;
  --muted:#aab8cc;
  --muted2:#8fa0b8;
  --radius:8px;
  --shadow:0 8px 26px rgba(0,0,0,0.35);
  --serif:'Playfair Display',Georgia,'Times New Roman',serif;
  --sans:'Inter',-apple-system,'Segoe UI',Arial,sans-serif;
}

html{scroll-behavior:smooth}
body{
  background:var(--navy);
  color:var(--white);
  font-family:var(--sans);
  font-size:16px;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
ul{list-style:none}
h1,h2,h3,h4,h5{font-family:var(--serif);font-weight:700;line-height:1.2}
button{font-family:var(--sans);cursor:pointer}

.container{max-width:1200px;margin:0 auto;padding:0 24px}
.hidden{display:none!important}

/* ============ HEADER ============ */
.site-header{
  position:sticky;top:0;z-index:100;
  background:rgba(4,15,34,0.96);
  backdrop-filter:blur(8px);
  border-bottom:1px solid var(--line);
}
.header-inner{
  max-width:1240px;margin:0 auto;padding:14px 24px;
  display:flex;align-items:center;justify-content:space-between;gap:20px;
}
.brand{display:flex;align-items:center;gap:12px;flex-shrink:0}
.brand .crest{width:48px;height:48px;flex-shrink:0}
.brand .crest svg{width:100%;height:100%}
.brand-text .b1{
  font-family:var(--serif);font-size:17px;font-weight:700;color:var(--white);letter-spacing:.4px;line-height:1.15;
}
.brand-text .b1 em{color:var(--gold);font-style:normal}
.brand-text .b2{font-size:9.5px;color:var(--gold2);letter-spacing:1.6px;text-transform:uppercase;font-weight:600;margin-top:1px}
.brand-text .b3{font-size:9px;color:var(--muted);font-style:italic;font-family:var(--serif);margin-top:1px}

.main-nav{display:flex;align-items:center;gap:2px}
.main-nav a{
  color:var(--white);font-size:13px;font-weight:500;
  padding:8px 12px;border-radius:5px;transition:.2s;
  border-bottom:2px solid transparent;
}
.main-nav a:hover{color:var(--gold2)}
.main-nav a.active{color:var(--gold);border-bottom-color:var(--gold)}
.main-nav .btn-signup{
  margin-left:10px;background:var(--gold);color:#0a0a0a!important;
  font-weight:700;font-size:12px;padding:9px 18px;border-radius:5px;
  border-bottom:none;letter-spacing:.5px;
  transition:background .2s, transform .2s;
}
.main-nav .btn-signup:hover{background:#e6c34d;transform:translateY(-1px);color:#0a0a0a!important}

/* Hamburger */
.nav-toggle{
  display:none;background:none;border:none;width:42px;height:42px;
  flex-direction:column;align-items:center;justify-content:center;gap:5px;
}
.nav-toggle span{display:block;width:24px;height:2px;background:var(--gold);border-radius:2px;transition:.25s}
.nav-toggle.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-toggle.open span:nth-child(2){opacity:0}
.nav-toggle.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* ============ HERO ============ */
.hero{
  position:relative;
  background:
    radial-gradient(1100px 500px at 85% -10%, rgba(212,175,55,0.10), transparent 60%),
    radial-gradient(900px 600px at 10% 110%, rgba(30,64,120,0.25), transparent 60%),
    linear-gradient(160deg, #041024 0%, #06172e 55%, #081c38 100%);
  overflow:hidden;
}
.hero .watermark{
  position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);
  width:min(520px,70vw);opacity:.05;pointer-events:none;
}
.hero-inner{
  max-width:1240px;margin:0 auto;padding:76px 24px 84px;
  display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center;
  position:relative;z-index:2;
}
.hero-eyebrow{
  display:inline-flex;align-items:center;gap:10px;
  color:var(--gold);font-size:13px;font-weight:700;letter-spacing:3.5px;text-transform:uppercase;
  margin-bottom:18px;
}
.hero-eyebrow::before{content:"";width:34px;height:2px;background:var(--gold);display:inline-block}
.hero h1{
  font-size:clamp(34px, 4.4vw, 56px);
  line-height:1.12;font-weight:800;color:var(--white);
  letter-spacing:.3px;margin-bottom:20px;
}
.hero h1 .gold{color:var(--gold)}
.hero-divider{
  width:64px;height:3px;background:linear-gradient(90deg,var(--gold),transparent);
  border:none;margin:0 0 20px;border-radius:2px;
}
.hero .lead{font-size:16.5px;color:var(--text);max-width:520px;margin-bottom:28px}
.hero .lead .shield{color:var(--gold);vertical-align:-2px;margin-right:6px}
.hero .lead .lead-shield{color:var(--gold);vertical-align:-3px;margin-right:8px;flex-shrink:0;display:inline}
.hero-cta{display:flex;flex-wrap:wrap;gap:14px;align-items:center}
.btn{
  display:inline-flex;align-items:center;gap:8px;
  padding:13px 30px;border-radius:6px;
  font-family:var(--sans);font-size:14.5px;font-weight:700;letter-spacing:.3px;
  border:none;transition:transform .2s, box-shadow .2s, background .2s;
}
.btn-gold{background:var(--gold);color:#0a0a0a}
.btn-gold:hover{background:#e6c34d;transform:translateY(-2px);box-shadow:0 10px 24px rgba(212,175,55,.30)}
.btn-white{background:#f5f5f5;color:#0a0a0a}
.btn-white:hover{background:#fff;transform:translateY(-2px);box-shadow:0 10px 24px rgba(255,255,255,.16)}
.btn-outline{background:transparent;color:var(--white);border:2px solid rgba(212,175,55,.55)}
.btn-outline:hover{border-color:var(--gold);color:var(--gold);transform:translateY(-2px)}

/* Hero artwork */
.hero-art{position:relative;display:flex;justify-content:center;align-items:center}
.hero-art img,.hero-art svg{width:100%;height:auto;max-width:460px;
  -webkit-mask-image:radial-gradient(ellipse at center, black 58%, transparent 94%);
  mask-image:radial-gradient(ellipse at center, black 58%, transparent 94%);
  -webkit-mask-mode:luminance;mask-mode:luminance;}
.hero .curve{
  position:absolute;left:0;right:0;bottom:-1px;z-index:1;
  width:100%;height:70px;pointer-events:none;
}
.hero .curve svg{width:100%;height:100%;display:block}

/* ============ SECTION HEADER ============ */
.section{padding:72px 0}
.section-alt{background:var(--navy2)}
.section-head{text-align:center;max-width:760px;margin:0 auto 44px}
.section-eyebrow{
  color:var(--gold);font-size:12.5px;font-weight:700;letter-spacing:3px;text-transform:uppercase;
  display:block;margin-bottom:12px;
}
.section-head h2{font-size:clamp(26px,3vw,38px);color:var(--white);margin-bottom:14px}
.section-head .underline{
  width:72px;height:3px;margin:0 auto;border-radius:2px;
  background:linear-gradient(90deg,#4a90d9,#4caf50,#e6c34d,#e65100,#9c27b0);
}
.section-head p{color:var(--muted);font-size:15px;margin-top:14px;line-height:1.7}

/* ============ CARDS ============ */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}

.card{
  background:var(--card);border:1px solid rgba(255,255,255,.06);
  border-radius:var(--radius);padding:26px 22px;text-align:center;
  transition:transform .25s, border-color .25s, box-shadow .25s;
}
.card:hover{transform:translateY(-4px);border-color:rgba(212,175,55,.35);box-shadow:var(--shadow)}
.card .icon-circle{
  width:58px;height:58px;margin:0 auto 16px;border-radius:50%;
  border:2px solid var(--gold);display:flex;align-items:center;justify-content:center;
  background:radial-gradient(circle at 30% 25%, rgba(212,175,55,.16), transparent 70%);
}
.card h3{font-size:19px;color:var(--white);margin-bottom:8px}
.card p{font-size:13.5px;color:var(--muted);line-height:1.6;margin-bottom:12px}
.card .more{color:var(--gold);font-size:13px;font-weight:600;display:inline-flex;align-items:center;gap:5px;transition:gap .2s}
.card .more:hover{gap:9px}

/* Icon chip */
.chip{display:inline-block;font-size:11px;font-weight:700;letter-spacing:.6px;padding:3px 10px;border-radius:3px;margin-bottom:10px;color:#fff}

/* ============ PRICING ============ */
.price-card{position:relative;background:var(--card);border:1px solid rgba(255,255,255,.07);border-radius:10px;padding:30px 24px;text-align:center;transition:.25s}
.price-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.price-card.featured{border:2px solid var(--gold)}
.price-card .p-icon{width:46px;height:46px;margin:0 auto 12px;border-radius:50%;border:2px solid var(--gold);display:flex;align-items:center;justify-content:center}
.price-card .p-name{font-family:var(--serif);font-size:20px;color:var(--white)}
.price-card .p-tag{font-size:12.5px;color:var(--gold2);font-style:italic;margin:2px 0 8px}
.price-card .price{font-size:40px;font-weight:800;color:var(--white);margin:8px 0 2px}
.price-card .price small{font-size:14px;font-weight:500;color:var(--muted)}
.price-card ul{text-align:left;margin:18px 0 22px;display:grid;gap:8px}
.price-card ul li{font-size:13.5px;color:var(--text);display:flex;gap:9px;align-items:flex-start}
.price-card ul li::before{content:"✓";color:var(--gold);font-weight:800;flex-shrink:0}
.ribbon{
  position:absolute;top:-12px;left:50%;transform:translateX(-50%);
  background:var(--gold);color:#0a0a0a;font-size:10.5px;font-weight:800;letter-spacing:1px;
  padding:4px 14px;border-radius:4px;white-space:nowrap;
}

/* ============ CALLOUT / CTA BANNER ============ */
.callout{
  background:var(--card);border:1px solid var(--line);border-radius:10px;
  padding:34px 36px;display:flex;align-items:center;gap:26px;flex-wrap:wrap;
  position:relative;overflow:hidden;
}
.callout .co-icon{flex-shrink:0;width:64px;height:64px;border-radius:50%;border:2px solid var(--gold);display:flex;align-items:center;justify-content:center}
.callout .co-body{flex:1;min-width:240px}
.callout h3{font-size:22px;color:var(--white);margin-bottom:4px}
.callout p{color:var(--muted);font-size:14px}

/* Disclaimer / notice box */
.notice{
  border-left:4px solid #00ced1;background:rgba(0,206,209,.06);
  border-radius:6px;padding:16px 20px;font-size:13.5px;color:var(--text);
}
.notice strong{color:#00ced1}
.notice-gold{border-left-color:var(--gold);background:rgba(212,175,55,.06)}
.notice-gold strong{color:var(--gold)}

/* ============ FEATURE STRIP ============ */
.feature-strip{background:var(--navy3);border-top:1px solid rgba(255,255,255,.05);border-bottom:1px solid rgba(255,255,255,.05)}
.feature-strip .grid-4{gap:16px;padding:26px 0}
.feature-item{display:flex;align-items:center;gap:14px;padding:6px 8px}
.feature-item .f-icon{width:44px;height:44px;flex-shrink:0;border-radius:50%;border:2px solid var(--gold);display:flex;align-items:center;justify-content:center}
.feature-item .f-text b{display:block;font-size:12px;letter-spacing:1.2px;color:var(--white);text-transform:uppercase}
.feature-item .f-text span{font-size:11.5px;color:var(--muted)}

/* ============ CONTACT / FORM ============ */
.contact-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:36px;align-items:start}
.contact-block{display:flex;gap:16px;margin-bottom:24px}
.contact-block .cb-icon{width:46px;height:46px;flex-shrink:0;border-radius:50%;border:2px solid var(--gold);display:flex;align-items:center;justify-content:center}
.contact-block h4{font-size:15px;color:var(--white);margin-bottom:2px}
.contact-block p{font-size:13.5px;color:var(--muted)}
.form-card{background:var(--card);border:1px solid rgba(255,255,255,.07);border-radius:10px;padding:28px}
.form-card label{display:block;font-size:12.5px;font-weight:600;color:var(--text);margin:14px 0 6px;letter-spacing:.3px}
.form-card label:first-child{margin-top:0}
.form-card input,.form-card select,.form-card textarea{
  width:100%;background:#0d2240;border:1px solid rgba(255,255,255,.14);
  border-radius:6px;color:var(--white);font-family:var(--sans);font-size:14px;
  padding:11px 14px;transition:border-color .2s;
}
.form-card input::placeholder,.form-card textarea::placeholder{color:#5d7290}
.form-card input:focus,.form-card select:focus,.form-card textarea:focus{outline:none;border-color:var(--gold)}
.form-card textarea{resize:vertical;min-height:120px}
.form-card .btn{width:100%;justify-content:center;margin-top:18px}
.form-note{font-size:12px;color:var(--muted);margin-top:12px;text-align:center}

/* ============ FOOTER ============ */
.site-footer{border-top:1px solid var(--line);background:#030d1d;padding:54px 0 0;margin-top:0}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1.2fr 1fr;gap:34px;padding-bottom:40px}
.footer-col h4{font-family:var(--sans);font-size:13px;font-weight:700;letter-spacing:1.6px;text-transform:uppercase;color:var(--gold);margin-bottom:16px}
.footer-col .f-brand{display:flex;align-items:center;gap:10px;margin-bottom:14px}
.footer-col .f-brand .crest{width:40px;height:40px;flex-shrink:0}
.footer-col .f-brand .fb1{font-family:var(--serif);font-size:15px;font-weight:700;color:var(--white)}
.footer-col .f-brand .fb1 em{color:var(--gold);font-style:normal}
.footer-col .f-brand .fb2{font-size:8px;color:var(--gold2);letter-spacing:1.3px;text-transform:uppercase}
.footer-col p{font-size:13px;color:var(--muted);line-height:1.7}
.footer-col a{display:block;font-size:13px;color:var(--muted);padding:3.5px 0;transition:color .2s,padding-left .2s}
.footer-col a:hover{color:var(--gold);padding-left:4px}
.footer-contact li{display:flex;gap:10px;align-items:flex-start;font-size:13px;color:var(--muted);margin-bottom:10px}
.footer-contact svg{flex-shrink:0;margin-top:2px;color:var(--gold)}
.socials{display:flex;gap:10px}
.socials a{
  width:34px;height:34px;border-radius:50%;border:2px solid rgba(255,255,255,.25);
  display:flex;align-items:center;justify-content:center;color:var(--text);
  transition:.2s;padding:0;
}
.socials a:hover{border-color:var(--gold);color:var(--gold)}
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.06);
  padding:18px 0;font-size:12.5px;color:var(--muted2);
  display:flex;justify-content:space-between;gap:10px;flex-wrap:wrap;
}
.footer-bottom a{color:var(--muted2);margin-left:14px;display:inline;padding:0}
.footer-bottom a:hover{color:var(--gold);padding:0}

/* ============ RESPONSIVE ============ */
@media (max-width:1024px){
  .hero-inner{grid-template-columns:1fr;gap:28px;padding:56px 24px 70px;text-align:center}
  .hero-eyebrow{justify-content:center}
  .hero-eyebrow::before{display:none}
  .hero .lead{margin-left:auto;margin-right:auto}
  .hero-divider{margin:0 auto 20px}
  .hero-cta{justify-content:center}
  .hero-art{order:-1;max-width:360px;margin:0 auto}
  .grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
}

@media (max-width:860px){
  .nav-toggle{display:flex}
  .main-nav{
    position:absolute;top:100%;left:0;right:0;
    background:rgba(4,15,34,.99);
    flex-direction:column;align-items:stretch;gap:0;
    padding:12px 20px 20px;border-bottom:1px solid var(--line);
    display:none;
  }
  .main-nav.open{display:flex}
  .main-nav a{padding:12px 10px;border-bottom:1px solid rgba(255,255,255,.06);border-radius:0}
  .main-nav a.active{border-bottom:2px solid var(--gold)}
  .main-nav .btn-signup{margin:10px 0 0;text-align:center;border-radius:5px}
}

@media (max-width:640px){
  .grid-3,.grid-4,.grid-2{grid-template-columns:1fr}
  .section{padding:52px 0}
  .hero-inner{padding:44px 20px 58px}
  .hero h1{font-size:31px}
  .brand-text .b3{display:none}
  .brand .crest{width:42px;height:42px}
  .brand-text .b1{font-size:15px}
  .brand-text .b2{font-size:8px;letter-spacing:1.2px}
  .footer-grid{grid-template-columns:1fr}
  .contact-grid{grid-template-columns:1fr}
  .callout{padding:26px 20px;justify-content:center;text-align:center}
  .callout .co-icon{margin:0 auto}
  .page-hero-inner{padding:44px 20px 54px}
}

/* ============ INNER PAGE HERO (non-home) ============ */
.page-hero{
  position:relative;overflow:hidden;
  background:
    radial-gradient(1000px 460px at 85% -10%, rgba(212,175,55,0.10), transparent 60%),
    radial-gradient(800px 500px at 5% 115%, rgba(30,64,120,0.3), transparent 60%),
    linear-gradient(160deg, #041024 0%, #06172e 55%, #081c38 100%);
}
.page-hero .watermark{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);width:min(480px,66vw);opacity:.05;pointer-events:none}
.page-hero-inner{
  max-width:1240px;margin:0 auto;padding:64px 24px 70px;
  display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center;position:relative;z-index:2;
}
.page-hero h1{font-size:clamp(31px,3.9vw,50px);line-height:1.14;color:var(--white);margin-bottom:18px}
.page-hero h1 .gold{color:var(--gold)}
.page-hero .lead{font-size:15.5px;color:var(--text);max-width:500px;margin-top:6px}
.hero-subline{display:flex;align-items:center;gap:8px;color:var(--gold2);font-family:var(--serif);font-size:15px;font-style:italic;margin-bottom:16px}
.hero-subline .star{color:var(--gold)}
.hero-stat{display:flex;gap:22px;margin-top:26px;flex-wrap:wrap}
.hero-stat b{font-family:var(--serif);font-size:26px;color:var(--gold);display:block}
.hero-stat span{font-size:11.5px;color:var(--muted);letter-spacing:.8px;text-transform:uppercase}

@media (max-width:1024px){
  .page-hero-inner{grid-template-columns:1fr;text-align:center;padding:52px 24px 62px}
  .page-hero .lead{margin-left:auto;margin-right:auto}
  .page-hero-inner .hero-eyebrow{justify-content:center}
  .page-hero-inner .hero-divider{margin:0 auto 18px}
  .hero-art{order:-1;max-width:340px;margin:0 auto}
}

/* ============ MODULES / MISC ============ */
.module-card{background:var(--card);border:1px solid rgba(255,255,255,.07);border-radius:10px;padding:24px 22px;transition:.25s}
.module-card:hover{transform:translateY(-4px);border-color:rgba(212,175,55,.3);box-shadow:var(--shadow)}
.module-card .m-icon{width:48px;height:48px;border-radius:50%;border:2px solid var(--gold);display:flex;align-items:center;justify-content:center;margin-bottom:12px}
.module-card h3{font-size:17px;color:var(--white);margin-bottom:6px}
.module-card p{font-size:13px;color:var(--muted);line-height:1.6;margin-bottom:8px}
.module-card .more{color:var(--gold);font-size:13px;font-weight:600}
.resource-thumb{
  height:96px;border-radius:8px;margin-bottom:14px;
  background:linear-gradient(140deg, rgba(212,175,55,.10), rgba(30,64,120,.2));
  border:1px solid rgba(212,175,55,.14);
  display:flex;align-items:center;justify-content:center;
}
.team-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
@media (max-width:1024px){.team-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.team-grid{grid-template-columns:1fr}}

/* Focus states for accessibility */
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{
  outline:2px solid var(--gold);outline-offset:2px;border-radius:4px;
}

/* Utility */
.center{text-align:center}
.mt-1{margin-top:10px}.mt-2{margin-top:20px}.mt-3{margin-top:32px}.mt-4{margin-top:48px}
.mb-1{margin-bottom:10px}.mb-2{margin-bottom:20px}.mb-3{margin-bottom:32px}