/* XanderDirect Limited — brand theme: white background, navy #002365, gold #d5980a */
:root {
  --navy: #002365;
  --navy-dark: #00163f;
  --navy-soft: #e8edf8;
  --gold: #d5980a;
  --gold-light: #f5e6c4;
  --gold-soft: #faf3e2;
  --bg: #ffffff;
  --surface: #f7f8fb;
  --border: #e3e7f1;
  --text: #1a2140;
  --muted: #5b6380;
  --radius: 14px;
  --font: "Inter", "Segoe UI", system-ui, -apple-system, sans-serif;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a { color: inherit; text-decoration: none; }

img { max-width: 100%; display: block; }

.container { max-width: 1180px; margin: 0 auto; padding: 0 24px; }

h1, h2, h3, h4 { color: var(--navy); line-height: 1.2; }
h1 { font-size: clamp(2rem, 4.5vw, 3.25rem); font-weight: 800; }
h2 { font-size: clamp(1.6rem, 3.2vw, 2.4rem); font-weight: 800; }
h3 { font-size: 1.25rem; font-weight: 700; }

.eyebrow {
  display: inline-block;
  text-transform: uppercase;
  letter-spacing: 0.18em;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--gold);
  margin-bottom: 12px;
}

p { color: var(--muted); }

/* ===== Top bar ===== */
.topbar {
  background: var(--navy-dark);
  color: #cdd6ea;
  font-size: 0.8rem;
  padding: 7px 0;
}
.topbar .container { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 6px; }
.topbar a { color: #cdd6ea; }
.topbar a:hover { color: #fff; }

/* ===== Header ===== */
header.main {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.97);
  border-bottom: 1px solid var(--border);
  backdrop-filter: blur(10px);
}
header.main .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  gap: 20px;
}
.logo { display: flex; align-items: center; gap: 10px; font-weight: 800; color: var(--navy); font-size: 1.15rem; }
.logo img { height: 46px; width: auto; }
.logo span small { display: block; font-weight: 500; font-size: 0.68rem; color: var(--muted); letter-spacing: 0.05em; }

nav.main a.nav {
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--text);
  padding: 6px 2px;
  position: relative;
}
nav.main a.nav:hover, nav.main a.nav.active { color: var(--navy); }
nav.main a.nav.active::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: -4px;
  height: 2px;
  background: var(--gold);
  border-radius: 2px;
}
.nav-left { display: flex; align-items: center; gap: 26px; }
.nav-right { display: flex; align-items: center; gap: 12px; }

.burger { display: none; background: none; border: none; cursor: pointer; color: var(--navy); }

/* ===== Buttons ===== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 11px 22px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.92rem;
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: transform 140ms cubic-bezier(0.23, 1, 0.32, 1), background 160ms, color 160ms, border-color 160ms, box-shadow 160ms;
  white-space: nowrap;
}
.btn:active { transform: scale(0.97); }
.btn-primary { background: var(--navy); color: #fff; }
.btn-primary:hover { background: var(--navy-dark); box-shadow: 0 8px 22px rgba(0, 35, 101, 0.28); }
.btn-gold { background: var(--gold); color: #fff; }
.btn-gold:hover { background: #bd8609; box-shadow: 0 8px 22px rgba(213, 152, 10, 0.35); }
.btn-outline { background: #fff; color: var(--navy); border-color: var(--navy); }
.btn-outline:hover { background: var(--navy-soft); }
.btn-ghost { background: transparent; color: var(--navy); }
.btn-ghost:hover { background: var(--navy-soft); }

/* ===== Hero ===== */
.hero {
  padding: 72px 0 80px;
  background: linear-gradient(120deg, #f8f9fd 0%, #ffffff 55%, #fdf8ec 100%);
  position: relative;
  overflow: hidden;
}
.hero-grid { display: grid; grid-template-columns: 1.15fr 1fr; gap: 48px; align-items: center; }
.hero h1 { margin-bottom: 20px; }
.hero h1 .gold { color: var(--gold); }
.hero p.lede { font-size: 1.08rem; margin-bottom: 28px; max-width: 560px; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 28px; }
.hero-badges { display: flex; flex-wrap: wrap; gap: 18px; font-size: 0.85rem; color: var(--muted); }
.hero-badges span { display: inline-flex; align-items: center; gap: 6px; }
.hero-art { position: relative; }
.hero-art img { border-radius: 24px; box-shadow: 0 24px 60px rgba(0, 35, 101, 0.14); }
.hero-art .rate-chip {
  position: absolute;
  left: -18px; bottom: 28px;
  background: #fff;
  border-radius: 16px;
  padding: 14px 20px;
  box-shadow: 0 14px 34px rgba(0, 35, 101, 0.16);
  border-left: 4px solid var(--gold);
}
.hero-art .rate-chip small { font-size: 0.7rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--gold); font-weight: 700; }
.hero-art .rate-chip strong { display: block; color: var(--navy); font-size: 1.35rem; }

/* ===== Stats ===== */
.stats { background: var(--surface); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; padding: 34px 0; text-align: center; }
.stats .num { font-size: 2rem; font-weight: 800; color: var(--navy); }
.stats .lbl { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.12em; color: var(--muted); margin-top: 2px; }

/* ===== Sections ===== */
section.block { padding: 76px 0; }
section.alt { background: var(--surface); }
section.navy { background: var(--navy); color: #fff; }
section.navy h2, section.navy h3 { color: #fff; }
section.navy p { color: #c7d0e8; }
.section-head { text-align: center; max-width: 720px; margin: 0 auto 44px; }
.section-head.left { text-align: left; margin: 0 0 44px; }

/* ===== Cards ===== */
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.card-grid.cols-2 { grid-template-columns: repeat(2, 1fr); }
.card-grid.cols-4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  display: flex;
  flex-direction: column;
  transition: transform 180ms cubic-bezier(0.23, 1, 0.32, 1), box-shadow 180ms;
}
.card:hover { transform: translateY(-4px); box-shadow: 0 16px 38px rgba(0, 35, 101, 0.1); }
.card .icon {
  width: 46px; height: 46px;
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  background: var(--navy-soft);
  color: var(--navy);
  margin-bottom: 16px;
}
.card .icon.gold { background: var(--gold-soft); color: var(--gold); }
.card h3 { margin-bottom: 10px; }
.card p { font-size: 0.93rem; }
.card ul { list-style: none; margin: 14px 0 18px; }
.card ul li { font-size: 0.86rem; color: var(--muted); padding-left: 22px; position: relative; margin-bottom: 6px; }
.card ul li::before { content: "✓"; position: absolute; left: 0; color: var(--gold); font-weight: 700; }
.card .more { margin-top: auto; color: var(--navy); font-weight: 600; font-size: 0.9rem; display: inline-flex; align-items: center; gap: 6px; }
.card .more:hover { color: var(--gold); }

/* ===== Page hero ===== */
.page-hero {
  background: linear-gradient(120deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: #fff;
  padding: 58px 0 64px;
}
.page-hero .eyebrow { color: var(--gold); }
.page-hero h1 { color: #fff; margin-bottom: 12px; }
.page-hero p { color: #c7d0e8; max-width: 720px; }

/* ===== Forms ===== */
.form-wrap {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 18px;
  padding: 34px;
  box-shadow: 0 10px 30px rgba(0, 35, 101, 0.06);
  max-width: 760px;
  margin: 0 auto;
}
.form-tabs { display: flex; gap: 8px; margin-bottom: 26px; background: var(--surface); padding: 5px; border-radius: 999px; }
.form-tabs button {
  flex: 1;
  border: none;
  background: transparent;
  padding: 10px 14px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--muted);
  cursor: pointer;
  font-family: var(--font);
}
.form-tabs button.active { background: var(--navy); color: #fff; }

.field { margin-bottom: 18px; }
.field label { display: block; font-size: 0.85rem; font-weight: 600; margin-bottom: 6px; color: var(--text); }
.field input, .field select, .field textarea {
  width: 100%;
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 11px 14px;
  font-size: 0.95rem;
  font-family: var(--font);
  background: #fff;
  color: var(--text);
  transition: border-color 150ms;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(213, 152, 10, 0.15);
}
.field textarea { min-height: 110px; resize: vertical; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0 18px; }
.form-note { font-size: 0.8rem; color: var(--muted); margin-top: 14px; }

.toast {
  display: none;
  background: #0f5132;
  color: #fff;
  border-radius: 12px;
  padding: 16px 20px;
  margin-top: 18px;
  font-size: 0.93rem;
}
.toast.show { display: block; animation: fadeUp 240ms cubic-bezier(0.23, 1, 0.32, 1); }

@keyframes fadeUp { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }

/* ===== Rate table ===== */
table.rate {
  width: 100%;
  border-collapse: collapse;
  background: #fff;
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--border);
}
table.rate th { background: var(--navy); color: #fff; text-align: left; padding: 14px 18px; font-size: 0.88rem; }
table.rate td { padding: 13px 18px; border-top: 1px solid var(--border); font-size: 0.93rem; }
table.rate tr:nth-child(even) td { background: var(--surface); }

/* ===== FAQ ===== */
.faq-item { background: #fff; border: 1px solid var(--border); border-radius: 12px; margin-bottom: 12px; overflow: hidden; }
.faq-q {
  width: 100%;
  text-align: left;
  border: none;
  background: #fff;
  padding: 18px 22px;
  font-weight: 600;
  font-size: 0.98rem;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 14px;
  font-family: var(--font);
}
.faq-q::after { content: "+"; color: var(--gold); font-size: 1.4rem; transition: transform 180ms; }
.faq-item.open .faq-q::after { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 240ms cubic-bezier(0.23, 1, 0.32, 1); }
.faq-a-inner { padding: 0 22px 18px; color: var(--muted); font-size: 0.93rem; }

.filter-pills { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 26px; justify-content: center; }
.pill {
  border: 1px solid var(--border);
  background: #fff;
  color: var(--muted);
  border-radius: 999px;
  padding: 8px 18px;
  font-size: 0.85rem;
  font-weight: 600;
  cursor: pointer;
  font-family: var(--font);
  transition: all 160ms;
}
.pill.active, .pill:hover { background: var(--navy); color: #fff; border-color: var(--navy); }

.search-box {
  max-width: 480px;
  margin: 0 auto 22px;
  position: relative;
}
.search-box input {
  width: 100%;
  border: 1px solid var(--border);
  border-radius: 999px;
  padding: 12px 20px 12px 44px;
  font-size: 0.95rem;
  font-family: var(--font);
}
.search-box::before { content: "🔍"; position: absolute; left: 16px; top: 50%; transform: translateY(-50%); font-size: 0.9rem; }

/* ===== Steps ===== */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; counter-reset: step; }
.step {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 30px 26px;
  position: relative;
}
.step .n { font-size: 2.4rem; font-weight: 800; color: var(--gold); opacity: 0.55; line-height: 1; margin-bottom: 12px; }

/* ===== Lists ===== */
ul.checks { list-style: none; }
ul.checks li { padding-left: 26px; position: relative; margin-bottom: 10px; color: var(--muted); }
ul.checks li::before { content: "✓"; position: absolute; left: 0; color: var(--gold); font-weight: 800; }
ol.num-list { padding-left: 20px; color: var(--muted); }
ol.num-list li { margin-bottom: 8px; padding-left: 6px; }

/* ===== CTA banner ===== */
.cta-band {
  background: var(--navy);
  color: #fff;
  border-radius: 20px;
  padding: 48px 44px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-band::before {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(120% 140% at 85% 0%, rgba(213, 152, 10, 0.18) 0%, transparent 55%);
}
.cta-band h2 { color: #fff; position: relative; margin-bottom: 12px; }
.cta-band p { color: #c7d0e8; position: relative; margin-bottom: 24px; max-width: 620px; margin-left: auto; margin-right: auto; }
.cta-band .cta-actions { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; position: relative; }

/* ===== Footer ===== */
footer.main { background: var(--navy-dark); color: #aab4d2; padding: 64px 0 0; margin-top: 0; }
.foot-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 36px; padding-bottom: 44px; }
footer.main h4 { color: #fff; font-size: 0.95rem; margin-bottom: 18px; }
footer.main ul { list-style: none; }
footer.main ul li { margin-bottom: 9px; font-size: 0.88rem; }
footer.main ul li a:hover { color: var(--gold); }
footer.main .foot-about p { color: #8c97bc; font-size: 0.88rem; margin-top: 12px; max-width: 340px; }
.foot-legal {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding: 20px 0;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
  font-size: 0.8rem;
  color: #7a85ab;
}
footer.main a { color: #aab4d2; }

/* ===== Content page helpers ===== */
.content-block { margin-bottom: 48px; }
.content-block img.rounded { border-radius: 18px; box-shadow: 0 14px 34px rgba(0, 35, 101, 0.12); }
.split { display: grid; grid-template-columns: 1.1fr 1fr; gap: 44px; align-items: center; }
.split.reverse { direction: rtl; }
.split.reverse > * { direction: ltr; }

.values-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.value-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 24px; }
.value-card h4 { color: var(--navy); font-size: 1.02rem; margin-bottom: 6px; }
.value-card p { font-size: 0.88rem; }

.location-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 26px;
}
.location-card .type {
  display: inline-block;
  background: var(--gold-soft);
  color: var(--gold);
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 4px 10px;
  border-radius: 999px;
  margin-bottom: 12px;
}
.location-card h3 { margin-bottom: 8px; }
.location-card p { font-size: 0.9rem; margin-bottom: 12px; }
.location-card a.map { color: var(--navy); font-weight: 600; font-size: 0.88rem; display: inline-flex; align-items: center; gap: 5px; }

.insight-card img { border-radius: 12px; margin-bottom: 16px; aspect-ratio: 16/9; object-fit: cover; width: 100%; }
.tag {
  display: inline-block;
  background: var(--navy-soft);
  color: var(--navy);
  font-size: 0.72rem;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: 999px;
  margin-bottom: 10px;
}
.meta { font-size: 0.78rem; color: #8a92b2; margin-bottom: 10px; }

/* ===== Responsive ===== */
@media (max-width: 960px) {
  .hero-grid, .split { grid-template-columns: 1fr; }
  .split.reverse { direction: ltr; }
  .card-grid, .values-grid { grid-template-columns: repeat(2, 1fr); }
  .card-grid.cols-4 { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: 1fr; }
  .foot-grid { grid-template-columns: 1fr 1fr; }
  nav.main { display: none; position: absolute; top: 72px; left: 0; right: 0; background: #fff; flex-direction: column; align-items: stretch; padding: 14px 24px 20px; gap: 4px; border-bottom: 1px solid var(--border); box-shadow: 0 14px 30px rgba(0, 35, 101, 0.12); }
  nav.main.open { display: flex; }
  .burger { display: block; }
  .nav-right { display: none; }
  .form-grid { grid-template-columns: 1fr; }
}
@media (max-width: 600px) {
  .card-grid, .card-grid.cols-2, .card-grid.cols-4, .values-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .foot-grid { grid-template-columns: 1fr; }
  .topbar .container { justify-content: center; }
  section.block { padding: 56px 0; }
  .cta-band { padding: 36px 24px; }
}