/* ===================================================
   Finance — clean, professional design system
   Palette: off-white bg / deep navy / gold accent
   =================================================== */

:root {
  --bg:       #f0f2f6;
  --panel:    #ffffff;
  --navy:     #0a2342;
  --navy-mid: #1b3d6f;
  --accent:   #0d52a1;
  --gold:     #b8912a;
  --gold-lt:  #e8c96a;
  --text:     #0a2342;
  --muted:    #5a6a85;
  --subtle:   #8898b0;
  --border:   #dde3ef;
  --border-strong: #bcc8de;
  --shadow:   0 1px 3px rgba(10,35,66,.07), 0 6px 20px rgba(10,35,66,.06);
  --shadow-lg:0 2px 8px rgba(10,35,66,.08), 0 16px 48px rgba(10,35,66,.09);
  --radius:   6px;
  --max:      980px;
}

/* ── Reset ───────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; }

html, body {
  margin: 0;
  padding: 0;
  background: var(--bg);
  color: var(--text);
  font-family: "Inter", ui-sans-serif, system-ui, -apple-system,
               "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  font-size: 15px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a { color: inherit; }

/* ── Layout ──────────────────────────────────────── */
.container {
  width: 100%;
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 24px;
}

/* ── Header ──────────────────────────────────────── */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--navy);
  border-bottom: 2px solid var(--gold);
}

.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 24px;
  height: 56px;
}

.brand {
  font-weight: 700;
  font-size: 15px;
  letter-spacing: .04em;
  text-transform: uppercase;
  text-decoration: none;
  color: #ffffff;
}

/* Gold rule under brand name */
.brand::after {
  content: '';
  display: block;
  width: 22px;
  height: 2px;
  background: var(--gold);
  margin-top: 3px;
}

/* ── Navigation ──────────────────────────────────── */
.nav {
  display: flex;
  gap: 2px;
  align-items: center;
}

.nav-link {
  text-decoration: none;
  padding: 6px 14px;
  border-radius: var(--radius);
  color: rgba(255,255,255,.72);
  font-size: 13.5px;
  font-weight: 500;
  letter-spacing: .01em;
  transition: color .15s, background .15s;
}

.nav-link:hover {
  color: #ffffff;
  background: rgba(255,255,255,.08);
}

.nav-link.is-active {
  color: var(--gold-lt);
  background: rgba(255,255,255,.06);
}

/* ── Hero ────────────────────────────────────────── */
.hero {
  padding: 60px 0 32px;
  border-bottom: 1px solid var(--border);
  margin-bottom: 32px;
}

/* Thin gold rule across top of hero */
.hero::before {
  content: '';
  display: block;
  width: 48px;
  height: 3px;
  background: var(--gold);
  margin-bottom: 20px;
  border-radius: 2px;
}

.kicker {
  margin: 0 0 12px;
  color: var(--gold);
  letter-spacing: .12em;
  text-transform: uppercase;
  font-size: 11px;
  font-weight: 600;
}

h1 {
  margin: 0 0 16px;
  font-size: clamp(30px, 4vw, 46px);
  letter-spacing: -0.03em;
  line-height: 1.1;
  color: var(--navy);
  font-weight: 700;
}

.lede {
  margin: 0 0 24px;
  color: var(--muted);
  font-size: 17px;
  max-width: 60ch;
  line-height: 1.65;
}

/* ── CTA buttons ─────────────────────────────────── */
.cta-row {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin: 20px 0 22px;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 10px 20px;
  border-radius: var(--radius);
  background: var(--navy);
  border: 1px solid var(--navy);
  color: #ffffff;
  text-decoration: none;
  font-size: 13.5px;
  font-weight: 600;
  letter-spacing: .02em;
  transition: background .15s, border-color .15s;
}

.button:hover {
  background: var(--navy-mid);
  border-color: var(--navy-mid);
}

.button-ghost {
  background: transparent;
  border-color: var(--border-strong);
  color: var(--navy);
}

.button-ghost:hover {
  background: var(--border);
  border-color: var(--border-strong);
  color: var(--navy);
}

/* ── Skill pills ─────────────────────────────────── */
.pill-row {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}

.pill {
  padding: 5px 12px;
  border-radius: 3px;
  border: 1px solid var(--border-strong);
  background: var(--panel);
  color: var(--muted);
  font-size: 12.5px;
  font-weight: 500;
  letter-spacing: .01em;
}

/* ── Content grid ────────────────────────────────── */
.grid {
  display: grid;
  grid-template-columns: repeat(12, 1fr);
  gap: 18px;
  padding: 0 0 48px;
}

/* ── Cards ───────────────────────────────────────── */
.card {
  grid-column: span 12;
  padding: 24px 26px;
  border-radius: var(--radius);
  background: var(--panel);
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
  border-top: 3px solid var(--navy);
  position: relative;
}

/* Gold accent bar on first card only */
.card:nth-child(1) {
  border-top-color: var(--gold);
}

@media (min-width: 880px) {
  .card:nth-child(1) { grid-column: span 6; }
  .card:nth-child(2) { grid-column: span 3; }
  .card:nth-child(3) { grid-column: span 3; }
}

/* ── Headings inside cards ───────────────────────── */
h2 {
  margin: 0 0 14px;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--muted);
}

/* ── Lists ───────────────────────────────────────── */
.list {
  margin: 8px 0 0;
  padding-left: 0;
  list-style: none;
  color: var(--muted);
}

.list li {
  padding: 9px 0;
  border-bottom: 1px solid var(--border);
  font-size: 14px;
  line-height: 1.45;
}

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

.list a {
  color: var(--accent);
  text-decoration: none;
  font-weight: 500;
}

.list a:hover {
  color: var(--navy);
  text-decoration: underline;
}

/* ── Utility ─────────────────────────────────────── */
.muted {
  color: var(--muted);
}

.text-link {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  margin-top: 14px;
  color: var(--accent);
  text-decoration: none;
  font-size: 13.5px;
  font-weight: 600;
  letter-spacing: .01em;
}

.text-link::after {
  content: '→';
  font-size: 13px;
  transition: transform .15s;
}

.text-link:hover {
  color: var(--navy);
}

.text-link:hover::after {
  transform: translateX(3px);
}

/* ── Footer ──────────────────────────────────────── */
.footer {
  padding: 22px 0 36px;
  border-top: 1px solid var(--border);
  color: var(--subtle);
  font-size: 13px;
  display: flex;
  align-items: center;
  gap: 6px;
}

.footer::before {
  content: '';
  display: inline-block;
  width: 16px;
  height: 2px;
  background: var(--gold);
  border-radius: 2px;
  flex-shrink: 0;
}

.footer a {
  color: var(--accent);
  text-decoration: none;
  font-weight: 500;
}

.footer a:hover {
  color: var(--navy);
  text-decoration: underline;
}

/* ── Responsive tweaks ───────────────────────────── */
@media (max-width: 600px) {
  .site-header .container { padding: 0 16px; }
  .hero { padding: 40px 0 24px; }
  .container { padding: 0 16px; }
  .card { padding: 18px 20px; }
  .button { padding: 9px 16px; font-size: 13px; }
}