/* === Reset & Base === */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
    --navy: #0f2137;
    --navy-light: #1a3350;
    --blue: #2563eb;
    --blue-light: #3b82f6;
    --gold: #d4a847;
    --gold-light: #e8c56d;
    --gray-50: #f8fafc;
    --gray-100: #f1f5f9;
    --gray-200: #e2e8f0;
    --gray-300: #cbd5e1;
    --gray-500: #64748b;
    --gray-600: #475569;
    --gray-700: #334155;
    --gray-800: #1e293b;
    --gray-900: #0f172a;
    --white: #ffffff;
    --radius: 8px;
    --shadow: 0 1px 3px rgba(0,0,0,.1), 0 1px 2px rgba(0,0,0,.06);
    --shadow-md: 0 4px 6px -1px rgba(0,0,0,.1), 0 2px 4px -2px rgba(0,0,0,.1);
    --shadow-lg: 0 10px 15px -3px rgba(0,0,0,.1), 0 4px 6px -4px rgba(0,0,0,.1);
    --transition: 0.2s ease;
}

html { scroll-behavior: smooth; }

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    color: var(--gray-700);
    line-height: 1.6;
    background: var(--white);
    -webkit-font-smoothing: antialiased;
}

a { color: var(--blue); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--blue-light); }

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

.container {
    max-width: 1140px;
    margin: 0 auto;
    padding: 0 24px;
}

/* === Header === */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 100;
    background: var(--white);
    border-bottom: 1px solid var(--gray-200);
    transition: box-shadow var(--transition);
}

.header.scrolled {
    box-shadow: var(--shadow-md);
}

.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 72px;
}

/* Logo */
.logo {
    text-decoration: none;
    font-size: 1.35rem;
    font-weight: 700;
    letter-spacing: 0.02em;
}
.logo-troy { color: var(--navy); }
.logo-capital { color: var(--gold); }
.logo-llc { color: var(--gray-500); font-weight: 400; font-size: 0.85em; }

/* Nav */
.nav { display: flex; align-items: center; gap: 8px; }

.nav-link {
    color: var(--gray-600);
    font-size: 0.9rem;
    font-weight: 500;
    padding: 8px 14px;
    border-radius: var(--radius);
    transition: all var(--transition);
    text-decoration: none;
}

.nav-link:hover { color: var(--navy); background: var(--gray-100); }
.nav-link.active { color: var(--navy); background: var(--gray-100); }

.nav-login {
    background: var(--navy);
    color: var(--white) !important;
    margin-left: 8px;
}
.nav-login:hover { background: var(--navy-light); }

/* Mobile menu */
.menu-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
}
.menu-toggle span {
    width: 24px;
    height: 2px;
    background: var(--navy);
    border-radius: 2px;
    transition: all var(--transition);
}
.menu-toggle.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.menu-toggle.open span:nth-child(2) { opacity: 0; }
.menu-toggle.open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* === Hero === */
.hero {
    position: relative;
    padding: 160px 0 100px;
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 50%, #1e3a5f 100%);
    overflow: hidden;
}

.hero-overlay {
    position: absolute;
    inset: 0;
    background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.hero-content {
    position: relative;
    max-width: 720px;
}

.hero h1 {
    font-size: clamp(2.2rem, 5vw, 3.2rem);
    font-weight: 700;
    color: var(--white);
    line-height: 1.15;
    margin-bottom: 16px;
}

.hero-subtitle {
    font-size: 1.3rem;
    color: var(--gold);
    font-weight: 600;
    letter-spacing: 0.05em;
    margin-bottom: 20px;
}

.hero-desc {
    font-size: 1.1rem;
    color: var(--gray-300);
    line-height: 1.7;
    margin-bottom: 32px;
    max-width: 600px;
}

.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }

/* === Buttons === */
.btn {
    display: inline-block;
    padding: 12px 28px;
    font-size: 0.95rem;
    font-weight: 600;
    border-radius: var(--radius);
    text-decoration: none;
    transition: all var(--transition);
    cursor: pointer;
    border: 2px solid transparent;
    text-align: center;
}

.btn-primary {
    background: var(--gold);
    color: var(--navy);
    border-color: var(--gold);
}
.btn-primary:hover {
    background: var(--gold-light);
    border-color: var(--gold-light);
    color: var(--navy);
}

.btn-outline {
    background: transparent;
    color: var(--white);
    border-color: rgba(255,255,255,0.3);
}
.btn-outline:hover {
    background: rgba(255,255,255,0.1);
    border-color: rgba(255,255,255,0.5);
    color: var(--white);
}

.btn-block { display: block; width: 100%; }

/* === Sections === */
.section { padding: 80px 0; }

.section-title {
    font-size: 1.8rem;
    font-weight: 700;
    color: var(--navy);
    text-align: center;
    margin-bottom: 12px;
}

.section-subtitle {
    font-size: 1.05rem;
    color: var(--gray-500);
    text-align: center;
    max-width: 600px;
    margin: 0 auto 48px;
}

/* === Page Hero (inner pages) === */
.page-hero {
    padding: 130px 0 60px;
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
}

.page-hero h1 {
    font-size: 2.4rem;
    color: var(--white);
    font-weight: 700;
    margin-bottom: 12px;
}

.page-hero p {
    font-size: 1.1rem;
    color: var(--gray-300);
    max-width: 600px;
}

/* === Grid === */
.grid { display: grid; gap: 32px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }

/* === Cards === */
.card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius);
    padding: 32px;
    transition: all var(--transition);
}

.card:hover {
    box-shadow: var(--shadow-lg);
    border-color: var(--gray-300);
    transform: translateY(-2px);
}

.card-icon {
    width: 48px;
    height: 48px;
    color: var(--gold);
    margin-bottom: 20px;
}

.card h3 {
    font-size: 1.15rem;
    color: var(--navy);
    margin-bottom: 12px;
}

.card p {
    color: var(--gray-600);
    font-size: 0.95rem;
    line-height: 1.65;
}

/* === Values Section === */
.values { background: var(--gray-50); }

/* === Process Steps === */
.process { background: var(--white); }

.process-steps {
    display: flex;
    align-items: flex-start;
    justify-content: center;
    gap: 0;
    max-width: 960px;
    margin: 0 auto;
}

.process-step {
    flex: 1;
    text-align: center;
    padding: 0 20px;
}

.step-number {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    background: var(--navy);
    color: var(--gold);
    font-size: 1.4rem;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 16px;
}

.process-step h3 {
    font-size: 1rem;
    color: var(--navy);
    margin-bottom: 8px;
}

.process-step p {
    font-size: 0.85rem;
    color: var(--gray-600);
    line-height: 1.6;
}

.process-connector {
    width: 40px;
    min-width: 40px;
    height: 2px;
    background: var(--gray-300);
    margin-top: 28px;
}

/* === CTA Banner === */
.cta-section { padding: 40px 0; }

.cta-banner {
    background: var(--gray-50);
    border: 2px solid var(--gray-200);
    border-radius: var(--radius);
    padding: 48px;
    text-align: center;
}

.cta-banner h2 {
    font-size: 1.8rem;
    color: var(--navy);
    margin-bottom: 12px;
}

.cta-banner p {
    color: var(--gray-600);
    font-size: 1.05rem;
    max-width: 600px;
    margin: 0 auto 28px;
    line-height: 1.7;
}

.btn-outline-dark {
    background: transparent;
    color: var(--navy);
    border-color: var(--navy);
}

.btn-outline-dark:hover {
    background: var(--navy);
    color: var(--white);
}

/* === Asset Classes === */
.asset-classes { background: var(--white); }

/* === FAQ === */
.faq { margin-top: 16px; }

.faq-item {
    padding: 20px 0;
    border-bottom: 1px solid var(--gray-200);
}

.faq-item:last-child { border-bottom: none; }

.faq-question {
    font-size: 1.05rem;
    color: var(--navy);
    margin-bottom: 8px;
    font-weight: 600;
}

.faq-item p {
    font-size: 0.95rem;
}

/* === Content Lists === */
.content-list {
    margin: 0 0 24px 20px;
    color: var(--gray-600);
}

.content-list li {
    padding: 4px 0;
    line-height: 1.65;
}

/* === Team Section === */
.team-grid {
    display: flex;
    flex-direction: column;
    gap: 24px;
    margin-top: 16px;
    margin-bottom: 16px;
}

.team-member {
    display: flex;
    gap: 24px;
    padding: 24px;
    background: var(--gray-50);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius);
}

.team-avatar {
    width: 44px;
    height: 44px;
    min-width: 44px;
    border-radius: 50%;
    background: var(--navy);
    color: var(--gold);
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 10px;
}

.team-info h3 {
    font-size: 1.1rem;
    color: var(--navy);
    margin-bottom: 2px;
}

.team-title {
    font-size: 0.85rem;
    color: var(--gold);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: 8px !important;
}

.team-info p {
    font-size: 0.9rem;
}

/* === Updates List (About sidebar) === */
.updates-list li {
    display: flex;
    flex-direction: column;
    gap: 2px;
}

.update-date {
    font-size: 0.75rem;
    font-weight: 700;
    color: var(--gold);
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

/* === Consumer Page === */
.consumer-content {
    max-width: 840px;
}

.consumer-content h2 {
    font-size: 1.3rem;
    color: var(--navy);
    margin: 36px 0 12px;
}

.consumer-content h2:first-child { margin-top: 0; }

.consumer-content p {
    color: var(--gray-600);
    line-height: 1.75;
    margin-bottom: 16px;
}

.consumer-content ul {
    margin: 0 0 24px 20px;
    color: var(--gray-600);
}

.consumer-content li {
    padding: 6px 0;
    line-height: 1.65;
}

.consumer-contact-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin: 24px 0;
}

.consumer-contact-card {
    padding: 24px;
    background: var(--gray-50);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius);
}

.consumer-contact-card h3 {
    font-size: 1rem;
    color: var(--navy);
    margin-bottom: 12px;
    padding-bottom: 8px;
    border-bottom: 2px solid var(--gold);
}

.consumer-contact-card p {
    margin-bottom: 4px;
}

.consumer-contact-card address {
    font-style: normal;
    line-height: 1.6;
    color: var(--gray-600);
    font-size: 0.9rem;
}

.small-text {
    font-size: 0.8rem !important;
    color: var(--gray-500) !important;
    margin-top: 8px !important;
}

.consumer-notice {
    margin-top: 48px;
    padding: 24px;
    background: #fffbeb;
    border: 1px solid #fde68a;
    border-radius: var(--radius);
}

.consumer-notice h3 {
    color: #92400e;
    font-size: 1rem;
    margin-bottom: 8px;
}

.consumer-notice p {
    color: #78350f;
    font-size: 0.9rem;
    margin-bottom: 0;
}

/* === Compliance Page === */
.compliance-cta {
    margin-top: 48px;
    padding: 32px;
    background: var(--gray-50);
    border-radius: var(--radius);
    border: 1px solid var(--gray-200);
}

.compliance-cta[id] {
    scroll-margin-top: 100px;
}

.compliance-cta h3 {
    color: var(--navy);
    margin-bottom: 8px;
}

.compliance-form {
    margin-top: 20px;
}

.compliance-form .form-group textarea {
    min-height: 100px;
}

/* === Credentials === */
.credentials { padding: 60px 0; }

.credentials-grid {
    display: flex;
    justify-content: center;
    flex-wrap: wrap;
    gap: 24px;
    margin-top: 32px;
}

.credential-item {
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 16px 32px;
    background: var(--gray-50);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius);
    font-weight: 600;
    color: var(--navy);
    font-size: 0.9rem;
    transition: all var(--transition);
    text-decoration: none;
}

.credential-item:hover {
    border-color: var(--gold);
    color: var(--navy);
    box-shadow: var(--shadow);
}

/* === Licenses === */
.licenses {
    background: var(--navy);
    padding: 48px 0;
}

.license-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.license-item { text-align: center; }

.license-label {
    display: block;
    color: var(--gold);
    font-size: 0.75rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    margin-bottom: 6px;
}

.license-value {
    color: var(--gray-300);
    font-size: 0.9rem;
}

/* === Content Grid (services/about pages) === */
.content-grid {
    display: grid;
    grid-template-columns: 1fr 360px;
    gap: 48px;
    align-items: start;
}

.content-main h2 {
    font-size: 1.4rem;
    color: var(--navy);
    margin: 40px 0 12px;
}

.content-main h2:first-child { margin-top: 0; }

.content-main p {
    color: var(--gray-600);
    line-height: 1.75;
    margin-bottom: 16px;
}

/* Sidebar */
.sidebar-card {
    background: var(--gray-50);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius);
    padding: 24px;
    margin-bottom: 24px;
}

.sidebar-card h3 {
    font-size: 1rem;
    color: var(--navy);
    margin-bottom: 16px;
    padding-bottom: 12px;
    border-bottom: 2px solid var(--gold);
}

.sidebar-card ul {
    list-style: none;
}

.sidebar-card li {
    padding: 8px 0;
    font-size: 0.9rem;
    color: var(--gray-600);
    border-bottom: 1px solid var(--gray-200);
}

.sidebar-card li:last-child { border-bottom: none; }

.sidebar-card li a {
    color: var(--gray-600);
    text-decoration: none;
}
.sidebar-card li a:hover { color: var(--blue); }

.cta-card {
    background: var(--navy);
    border-color: var(--navy);
}

.cta-card h3 {
    color: var(--white);
    border-bottom-color: var(--gold);
}

.cta-card p {
    color: var(--gray-300);
    font-size: 0.95rem;
    margin-bottom: 16px;
}

.mt-1 { margin-top: 12px; text-align: center; }
.mt-1 a { color: var(--gold); font-weight: 600; }

/* Stats */
.stats-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin-top: 40px;
}

.stat {
    text-align: center;
    padding: 24px;
    background: var(--gray-50);
    border-radius: var(--radius);
    border: 1px solid var(--gray-200);
}

.stat-number {
    display: block;
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 4px;
}

.stat-label {
    font-size: 0.8rem;
    color: var(--gray-500);
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

/* === Privacy Content === */
.privacy-content {
    max-width: 780px;
}

.policy-date {
    color: var(--gray-500);
    font-size: 0.9rem;
    margin-bottom: 32px;
    padding-bottom: 16px;
    border-bottom: 1px solid var(--gray-200);
}

.privacy-content h2 {
    font-size: 1.3rem;
    color: var(--navy);
    margin: 36px 0 12px;
}

.privacy-content h2:first-of-type { margin-top: 0; }

.privacy-content p {
    color: var(--gray-600);
    line-height: 1.75;
    margin-bottom: 16px;
}

.privacy-content ul {
    margin: 0 0 24px 20px;
    color: var(--gray-600);
}

.privacy-content li {
    padding: 4px 0;
    line-height: 1.6;
}

.privacy-contact {
    margin-top: 48px;
    padding: 32px;
    background: var(--gray-50);
    border-radius: var(--radius);
    border: 1px solid var(--gray-200);
}

.privacy-contact h3 {
    color: var(--navy);
    margin-bottom: 8px;
}

/* === Contact Form === */
.contact-form {
    width: 100%;
    max-width: 100%;
}

.hp-field {
    position: absolute;
    left: -9999px;
    top: -9999px;
    opacity: 0;
    height: 0;
    width: 0;
    overflow: hidden;
}

.form-group {
    margin-bottom: 24px;
    width: 100%;
}

.form-group label {
    display: block;
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 8px;
}

.required { color: #dc2626; }

.form-group input,
.form-group select,
.form-group textarea {
    display: block;
    width: 100%;
    padding: 14px 16px;
    border: 1px solid var(--gray-300);
    border-radius: var(--radius);
    font-family: inherit;
    font-size: 1rem;
    color: var(--gray-700);
    background: var(--white);
    transition: border-color var(--transition), box-shadow var(--transition);
    box-sizing: border-box;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--blue);
    box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.1);
}

.form-group textarea {
    resize: vertical;
    min-height: 160px;
}

.form-group select {
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%2364748b' d='M6 8.825L.35 3.175 1.175 2.35 6 7.175l4.825-4.825.825.825z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 16px center;
    padding-right: 44px;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
}

.form-row .form-group {
    margin-bottom: 24px;
}

.btn-submit {
    width: 100%;
    padding: 16px 32px;
    font-size: 1rem;
    cursor: pointer;
    border: none;
}

.btn-submit:disabled {
    opacity: 0.7;
    cursor: not-allowed;
}

.form-status {
    margin-bottom: 16px;
    padding: 0;
    border-radius: var(--radius);
    font-size: 0.9rem;
    line-height: 1.5;
}

.form-success {
    background: #f0fdf4;
    border: 1px solid #bbf7d0;
    color: #166534;
    padding: 14px 18px;
}

.form-error {
    background: #fef2f2;
    border: 1px solid #fecaca;
    color: #991b1b;
    padding: 14px 18px;
}

@media (max-width: 768px) {
    .form-row { grid-template-columns: 1fr; }
}

/* === Footer === */
.footer {
    background: var(--gray-900);
    color: var(--gray-300);
    padding: 64px 0 0;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr;
    gap: 40px;
}

.footer-logo {
    font-size: 1.2rem;
    margin-bottom: 12px;
}

.footer-logo .logo-troy { color: var(--white); }
.footer-logo .logo-capital { color: var(--gold); }

.footer-tagline {
    color: var(--gray-500);
    font-size: 0.9rem;
    line-height: 1.6;
}

.footer h4 {
    color: var(--white);
    font-size: 0.85rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    margin-bottom: 16px;
}

.footer address {
    font-style: normal;
    font-size: 0.9rem;
    line-height: 1.6;
    margin-bottom: 8px;
}

.footer p {
    font-size: 0.9rem;
    margin-bottom: 6px;
}

.footer a {
    color: var(--gray-300);
    transition: color var(--transition);
}

.footer a:hover { color: var(--gold); }

.footer-bottom {
    margin-top: 48px;
    padding: 24px 0;
    border-top: 1px solid rgba(255,255,255,0.1);
    text-align: center;
}

.footer-bottom p {
    font-size: 0.85rem;
    color: var(--gray-500);
}

/* License list */
.license-list li { font-size: 0.85rem; }

/* === Responsive === */
@media (max-width: 1024px) {
    .grid-3 { grid-template-columns: repeat(2, 1fr); }
    .license-grid { grid-template-columns: repeat(2, 1fr); }
    .content-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: repeat(2, 1fr); }
    .consumer-contact-grid { grid-template-columns: 1fr; }
    .process-steps { flex-wrap: wrap; gap: 24px; }
    .process-connector { display: none; }
    .process-step { flex: 0 0 calc(50% - 12px); }
}

@media (max-width: 768px) {
    .menu-toggle { display: flex; }

    .nav {
        display: none;
        position: absolute;
        top: 72px;
        left: 0;
        right: 0;
        background: var(--white);
        flex-direction: column;
        padding: 16px 24px;
        border-bottom: 1px solid var(--gray-200);
        box-shadow: var(--shadow-lg);
    }

    .nav.open { display: flex; }

    .nav-link { padding: 12px 16px; width: 100%; }
    .nav-login { margin-left: 0; text-align: center; }

    .hero { padding: 130px 0 70px; }
    .hero h1 { font-size: 2rem; }

    .grid-3 { grid-template-columns: 1fr; }
    .license-grid { grid-template-columns: 1fr 1fr; }
    .stats-grid { grid-template-columns: repeat(2, 1fr); }
    .footer-grid { grid-template-columns: 1fr; gap: 32px; }
    .process-step { flex: 0 0 100%; }
    .team-member { flex-direction: column; text-align: center; }
    .team-avatar { margin: 0 auto; }
    .cta-banner { padding: 32px 24px; }

    .section { padding: 60px 0; }
    .page-hero { padding: 110px 0 48px; }
    .page-hero h1 { font-size: 1.8rem; }
}

@media (max-width: 480px) {
    .hero-actions { flex-direction: column; }
    .btn { width: 100%; }
    .license-grid { grid-template-columns: 1fr; }
}