/* ===== Financial Navigator Ottawa — Corporate Theme ===== */
:root {
  --primary: #1a3a5c;
  --primary-light: #2c5f8a;
  --accent: #4dabf7;
  --accent-light: #d0ebff;
  --silver: #c0c8d4;
  --bg: #f5f7fa;
  --bg-white: #ffffff;
  --bg-navy: #0f2439;
  --text-dark: #0f2439;
  --text-body: #4a5e73;
  --text-muted: #7a8ea3;
  --border: #dde4ed;
  --radius: 8px;
  --shadow: 0 2px 16px rgba(15,36,57,0.06);
  --transition: .25s ease;
}
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{font-family:'Source Sans 3',sans-serif;background:var(--bg);color:var(--text-body);line-height:1.7;overflow-x:hidden;}
h1,h2,h3,h4{font-family:'Space Grotesk',sans-serif;font-weight:700;color:var(--text-dark);line-height:1.2;}
a{color:var(--accent);text-decoration:none;transition:var(--transition);}
a:hover{color:var(--primary-light);}
img{max-width:100%;height:auto;display:block;}
.container{max-width:1140px;margin:0 auto;padding:0 20px;}

/* === HEADER (Wide bar with underline nav) === */
.site-header{background:var(--bg-white);border-bottom:2px solid var(--primary);position:sticky;top:0;z-index:1000;}
.header-inner{display:flex;align-items:center;justify-content:space-between;max-width:1140px;margin:0 auto;padding:12px 20px;}
.logo{display:flex;align-items:center;gap:10px;}
.logo svg{width:36px;height:36px;}
.logo-text{font-family:'Space Grotesk',sans-serif;font-size:1.2rem;font-weight:700;color:var(--primary);}
.logo-sub{font-size:0.65rem;color:var(--text-muted);text-transform:uppercase;letter-spacing:2px;display:block;margin-top:-4px;}
.nav-links{display:flex;gap:0;list-style:none;}
.nav-links a{color:var(--text-body);font-size:0.9rem;font-weight:600;padding:14px 18px;display:block;border-bottom:2px solid transparent;margin-bottom:-2px;transition:var(--transition);}
.nav-links a:hover,.nav-links a.active{color:var(--primary);border-bottom-color:var(--accent);}
.nav-cta{background:var(--primary);color:white!important;padding:10px 22px;border-radius:var(--radius);font-weight:600;font-size:0.88rem;border:none;cursor:pointer;transition:var(--transition);display:inline-block;}
.nav-cta:hover{background:var(--primary-light);color:white!important;}
.burger{display:none;flex-direction:column;gap:5px;cursor:pointer;background:none;border:none;padding:4px;}
.burger span{width:22px;height:2px;background:var(--primary);transition:var(--transition);}

/* === HERO (Full-width with stats bar) === */
.hero{background:linear-gradient(135deg,var(--bg-navy) 0%,var(--primary) 100%);color:white;padding:100px 0 0;position:relative;overflow:hidden;}
.hero::after{content:'';position:absolute;bottom:0;left:0;right:0;height:100px;background:linear-gradient(to bottom,transparent,var(--bg));}
.hero-inner{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center;padding-bottom:80px;}
.hero h1{font-size:clamp(2rem,4vw,3rem);margin-bottom:16px;color:white;}
.hero h1 .hl{color:var(--accent);}
.hero p{font-size:1.05rem;color:var(--silver);margin-bottom:28px;max-width:480px;}
.hero-actions{display:flex;gap:12px;}
.btn-accent{background:var(--accent);color:var(--bg-navy)!important;padding:13px 28px;border-radius:var(--radius);font-weight:700;font-size:0.92rem;border:none;cursor:pointer;font-family:'Source Sans 3',sans-serif;transition:var(--transition);display:inline-block;}
.btn-accent:hover{background:#74c0fc;transform:translateY(-2px);color:var(--bg-navy)!important;}
.btn-ghost{background:transparent;color:white!important;padding:13px 28px;border-radius:var(--radius);border:1px solid rgba(255,255,255,0.3);font-weight:600;font-size:0.92rem;cursor:pointer;font-family:'Source Sans 3',sans-serif;transition:var(--transition);display:inline-block;}
.btn-ghost:hover{background:rgba(255,255,255,0.1);border-color:rgba(255,255,255,0.5);color:white!important;}
.hero-img{border-radius:var(--radius);overflow:hidden;box-shadow:0 20px 60px rgba(0,0,0,0.3);}
.hero-img img{width:100%;height:380px;object-fit:cover;}
.stats-bar{background:var(--bg-white);border-radius:var(--radius);box-shadow:var(--shadow);display:grid;grid-template-columns:repeat(4,1fr);position:relative;z-index:10;margin-top:-40px;}
.stat-item{text-align:center;padding:28px 16px;border-right:1px solid var(--border);}
.stat-item:last-child{border-right:none;}
.stat-num{font-family:'Space Grotesk',sans-serif;font-size:2rem;font-weight:700;color:var(--primary);display:block;}
.stat-txt{font-size:0.82rem;color:var(--text-muted);margin-top:4px;}

/* === SECTIONS === */
section.sec{padding:80px 0;}
.sec-eyebrow{font-size:0.75rem;font-weight:700;text-transform:uppercase;letter-spacing:2px;color:var(--accent);margin-bottom:10px;}
.sec-title{font-size:clamp(1.7rem,3vw,2.2rem);margin-bottom:12px;}
.sec-desc{color:var(--text-muted);font-size:1rem;max-width:560px;margin-bottom:40px;}
.sec-desc.c{margin-left:auto;margin-right:auto;}
.tc{text-align:center;}

/* === PROGRAMS (Grid of numbered cards) === */
.programs-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
.program-card{background:var(--bg-white);border:1px solid var(--border);border-radius:var(--radius);padding:28px 24px;transition:var(--transition);position:relative;overflow:hidden;}
.program-card:hover{box-shadow:var(--shadow);transform:translateY(-4px);border-color:var(--accent);}
.program-num{font-family:'Space Grotesk',sans-serif;font-size:2.5rem;font-weight:800;color:var(--accent-light);position:absolute;top:16px;right:20px;line-height:1;}
.program-card h3{font-size:1.05rem;margin-bottom:8px;padding-right:40px;}
.program-card p{color:var(--text-muted);font-size:0.9rem;margin-bottom:16px;}
.program-link{font-weight:600;font-size:0.85rem;text-transform:uppercase;letter-spacing:0.5px;}

/* === WHY (Two-column with checks) === */
.why-split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center;}
.why-img{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);}
.why-img img{width:100%;height:380px;object-fit:cover;}
.check-list{list-style:none;}
.check-list li{display:flex;gap:12px;padding:14px 0;border-bottom:1px solid var(--border);}
.check-list li:last-child{border-bottom:none;}
.check-list .ck{width:24px;height:24px;background:var(--accent-light);border-radius:6px;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px;}
.check-list .ck svg{width:14px;height:14px;stroke:var(--primary);fill:none;}
.check-list h4{font-size:0.95rem;margin-bottom:2px;}
.check-list p{color:var(--text-muted);font-size:0.88rem;}

/* === TESTIMONIALS (Grid) === */
.test-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
.test-card{background:var(--bg-white);border:1px solid var(--border);border-radius:var(--radius);padding:24px;transition:var(--transition);}
.test-card:hover{box-shadow:var(--shadow);}
.test-card .rating{color:var(--accent);font-size:0.95rem;margin-bottom:10px;letter-spacing:2px;}
.test-card blockquote{font-size:0.9rem;font-style:italic;margin-bottom:14px;line-height:1.7;}
.test-card .auth{display:flex;gap:10px;align-items:center;}
.test-card .av{width:38px;height:38px;background:var(--accent-light);border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;color:var(--primary);font-size:0.85rem;}
.test-card .nm{font-weight:600;font-size:0.88rem;}
.test-card .rl{font-size:0.75rem;color:var(--text-muted);}

/* === CONTACT === */
.contact-two{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start;}
.info-box{background:var(--bg-white);border:1px solid var(--border);border-radius:var(--radius);padding:32px;}
.info-row{display:flex;gap:12px;margin-bottom:20px;}
.info-row:last-child{margin-bottom:0;}
.info-row .ic{width:40px;height:40px;background:var(--accent-light);border-radius:var(--radius);display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.info-row .ic svg{width:18px;height:18px;stroke:var(--primary);fill:none;}
.info-row h4{font-size:0.9rem;margin-bottom:2px;}
.info-row p{color:var(--text-muted);font-size:0.88rem;}
.info-row a{color:var(--accent);}
.map-box{border-radius:var(--radius);overflow:hidden;border:1px solid var(--border);height:360px;}
.map-box iframe{width:100%;height:100%;border:0;}

/* === FORM === */
.form-wrap{max-width:580px;margin:0 auto;background:var(--bg-white);border:1px solid var(--border);border-radius:var(--radius);padding:36px;}
.fg{margin-bottom:16px;}
.fg label{display:block;margin-bottom:4px;font-weight:600;font-size:0.82rem;color:var(--text-muted);text-transform:uppercase;letter-spacing:0.5px;}
.fg input,.fg textarea,.fg select{width:100%;padding:11px 14px;background:var(--bg);border:1px solid var(--border);border-radius:var(--radius);color:var(--text-dark);font-family:'Source Sans 3',sans-serif;font-size:0.92rem;transition:var(--transition);}
.fg input:focus,.fg textarea:focus,.fg select:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px rgba(77,171,247,0.1);}
.fg textarea{min-height:90px;resize:vertical;}

/* === FOOTER === */
.site-footer{background:var(--bg-navy);color:var(--silver);padding:48px 0 16px;}
.ft-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px;margin-bottom:32px;}
.ft-brand p{margin-top:12px;font-size:0.88rem;color:var(--text-muted);}
.ft-brand .logo-text{color:var(--accent);}
.ft-col h4{font-size:0.78rem;text-transform:uppercase;letter-spacing:2px;margin-bottom:14px;color:var(--accent);}
.ft-col ul{list-style:none;}
.ft-col li{margin-bottom:8px;}
.ft-col a{color:rgba(255,255,255,0.5);font-size:0.88rem;}
.ft-col a:hover{color:white;}
.ft-bottom{border-top:1px solid rgba(255,255,255,0.1);padding-top:16px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;}
.ft-bottom p{font-size:0.8rem;color:rgba(255,255,255,0.4);}
.ft-phone{color:var(--accent)!important;font-weight:600;}

/* === COOKIE === */
.cookie-banner{position:fixed;bottom:20px;left:20px;max-width:420px;width:calc(100%-40px);background:var(--bg-white);border:1px solid var(--border);border-radius:var(--radius);padding:20px;z-index:9999;box-shadow:0 4px 24px rgba(0,0,0,0.08);display:none;}
.cookie-banner.show{display:block;}
.cookie-banner p{font-size:0.82rem;color:var(--text-muted);margin-bottom:12px;}
.cookie-btns{display:flex;gap:8px;}
.ck-accept{background:var(--primary);color:white;border:none;padding:8px 18px;border-radius:var(--radius);font-weight:600;cursor:pointer;font-family:'Source Sans 3',sans-serif;font-size:0.82rem;}
.ck-decline{background:var(--bg);color:var(--text-muted);border:1px solid var(--border);padding:8px 18px;border-radius:var(--radius);cursor:pointer;font-family:'Source Sans 3',sans-serif;font-size:0.82rem;}

/* === BLOG === */
.blog-list{display:flex;flex-direction:column;gap:16px;}
.blog-row{display:grid;grid-template-columns:240px 1fr;gap:20px;background:var(--bg-white);border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;transition:var(--transition);}
.blog-row:hover{box-shadow:var(--shadow);transform:translateY(-2px);}
.blog-row img{width:100%;height:100%;object-fit:cover;}
.blog-row-body{padding:24px;}
.blog-row-date{font-size:0.75rem;color:var(--accent);font-weight:600;margin-bottom:6px;text-transform:uppercase;letter-spacing:0.5px;}
.blog-row h3{font-size:1.05rem;margin-bottom:6px;}
.blog-row p{color:var(--text-muted);font-size:0.88rem;}

/* === ARTICLE === */
.art-hero{padding:100px 0 40px;text-align:center;background:var(--bg-white);border-bottom:1px solid var(--border);}
.art-hero h1{max-width:700px;margin:0 auto 12px;font-size:clamp(1.6rem,3.2vw,2.2rem);}
.art-meta{color:var(--text-muted);font-size:0.85rem;}
.art-body{max-width:700px;margin:0 auto;padding:40px 20px 70px;}
.art-body p{margin-bottom:16px;font-size:1rem;}
.art-body h2{margin:32px 0 12px;font-size:1.4rem;}
.art-body h3{margin:24px 0 8px;font-size:1.15rem;}
.art-body ul,.art-body ol{margin:12px 0;padding-left:20px;}
.art-body li{margin-bottom:6px;}

/* === PAGE === */
.pg-header{padding:100px 0 40px;text-align:center;background:var(--bg-white);border-bottom:1px solid var(--border);}
.pg-body{padding:40px 0 70px;}
.pg-body .container{max-width:700px;}
.pg-body p{margin-bottom:12px;font-size:0.95rem;}
.pg-body h2{margin:28px 0 12px;font-size:1.3rem;}
.pg-body ul{margin:10px 0;padding-left:20px;}
.pg-body li{margin-bottom:6px;}

/* === TY === */
.ty-hero{padding:100px 0 40px;text-align:center;background:var(--bg-white);border-bottom:1px solid var(--border);}
.ty-icon{width:64px;height:64px;background:var(--accent-light);border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;}
.ty-icon svg{width:32px;height:32px;stroke:var(--primary);fill:none;}
.ty-body{max-width:700px;margin:0 auto;padding:40px 20px 70px;}
.ty-body h2{margin:24px 0 12px;}
.ty-body p{margin-bottom:12px;font-size:0.95rem;}
.ty-body ul{margin:8px 0;padding-left:20px;}
.ty-body li{margin-bottom:8px;}
.ty-cta{background:var(--bg);border:1px solid var(--border);border-radius:var(--radius);padding:24px;margin-top:32px;text-align:center;}

/* DETAIL */
.det-hero{padding:100px 0 40px;background:var(--bg-white);border-bottom:1px solid var(--border);}
.det-split{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center;}
.det-img{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);}
.det-img img{width:100%;height:300px;object-fit:cover;}

/* === FADE === */
.fade-in{opacity:0;transform:translateY(20px);transition:opacity .5s ease,transform .5s ease;}
.fade-in.visible{opacity:1;transform:translateY(0);}

/* === RESPONSIVE === */
@media(max-width:992px){
  .hero-inner,.why-split,.contact-two,.det-split{grid-template-columns:1fr;}
  .programs-grid,.test-grid{grid-template-columns:repeat(2,1fr);}
  .stats-bar{grid-template-columns:repeat(2,1fr);}
  .ft-grid{grid-template-columns:repeat(2,1fr);}
}
@media(max-width:768px){
  .nav-links{display:none;}
  .nav-cta.desktop{display:none;}
  .burger{display:flex;}
  .nav-links.open{display:flex;flex-direction:column;position:absolute;top:100%;left:0;width:100%;background:var(--bg-white);border-bottom:2px solid var(--primary);box-shadow:var(--shadow);}
  .nav-links.open a{padding:12px 20px;border-bottom:none;}
  .programs-grid,.test-grid{grid-template-columns:1fr;}
  .stats-bar{grid-template-columns:1fr 1fr;}
  .stat-item{border-right:none;border-bottom:1px solid var(--border);}
  .ft-grid{grid-template-columns:1fr;}
  .blog-row{grid-template-columns:1fr;}
  .blog-row img{height:200px;}
  .cookie-banner{max-width:90%;width:90%;left:5%;}
}