/* ==========================================================================
   SimpliWealth — site stylesheet
   Brand palette taken from the logo: pink #EF1963, ink #202020, grey #838183.
   ========================================================================== */

:root{
  /* Brand */
  --rose:#ef1963;
  --rose-deep:#c9134f;
  --rose-soft:#fdeef3;
  --rose-line:#f6d3e0;

  /* Neutrals */
  --ink:#1b1c1e;
  --ink-soft:#3c3e42;
  --grey:#6f7176;
  --grey-light:#9a9ca1;
  --line:#e6e3de;
  --line-strong:#d8d4cd;
  --paper:#ffffff;
  --shell:#faf8f5;
  --shell-warm:#f4f1ec;

  /* Type */
  --display:"Playfair Display","Iowan Old Style",Georgia,"Times New Roman",serif;
  --sans:"Inter","Segoe UI",-apple-system,BlinkMacSystemFont,Roboto,Arial,sans-serif;

  /* Metrics */
  --shell-max:1180px;
  --radius:18px;
  --radius-sm:12px;
  --shadow:0 20px 60px rgba(32,28,24,.07);
  --shadow-sm:0 8px 26px rgba(32,28,24,.06);
}

*,*::before,*::after{box-sizing:border-box}

html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important}
}

body{
  margin:0;
  background:var(--shell);
  color:var(--ink);
  font:400 17px/1.65 var(--sans);
  letter-spacing:-.005em;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}

img{max-width:100%;height:auto;display:block}
a{color:inherit}
h1,h2,h3,h4,p,figure,blockquote{margin:0}
ul,ol{margin:0;padding:0}
button,input,select,textarea{font:inherit;color:inherit}
:focus-visible{outline:2px solid var(--rose);outline-offset:3px;border-radius:4px}

/* ---------- Layout helpers ---------- */
.shell{width:100%;max-width:var(--shell-max);margin-inline:auto;padding-inline:28px}
.section{padding:104px 0}
/* Keep in-page anchors clear of the sticky header */
[id]{scroll-margin-top:100px}
.section--tight{padding:78px 0}
.section--paper{background:var(--paper);border-block:1px solid var(--line)}
.section--warm{background:var(--shell-warm)}

.eyebrow{
  font-size:11.5px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;
  color:var(--rose);display:flex;align-items:center;gap:10px;
}
.eyebrow::before{content:"";width:26px;height:1px;background:var(--rose);opacity:.55;flex:none}
.eyebrow--plain{display:block}
.eyebrow--plain::before{display:none}
.eyebrow--muted{color:var(--grey)}
.eyebrow--muted::before{background:var(--grey-light)}

h1,h2,h3{font-family:var(--display);font-weight:500;letter-spacing:-.02em;line-height:1.12;color:var(--ink)}
h1{font-size:clamp(40px,5.6vw,62px);line-height:1.06}
h2{font-size:clamp(30px,3.9vw,44px)}
h3{font-size:21px;line-height:1.25;letter-spacing:-.015em}
.lede{font-size:clamp(17px,1.5vw,19.5px);line-height:1.68;color:var(--ink-soft);max-width:60ch}
.muted{color:var(--grey)}
.small{font-size:14.5px;line-height:1.6}

.section-head{max-width:640px;margin-bottom:52px}
.section-head h2{margin:18px 0 16px}
.section-head p{color:var(--grey);font-size:17px;line-height:1.68}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  min-height:52px;padding:14px 26px;border-radius:100px;border:1px solid transparent;
  font-size:15.5px;font-weight:600;letter-spacing:-.01em;text-decoration:none;cursor:pointer;
  transition:background .18s ease,color .18s ease,border-color .18s ease,transform .18s ease,box-shadow .18s ease;
}
.btn:active{transform:translateY(1px)}
.btn--primary{background:var(--rose);color:#fff;box-shadow:0 10px 26px rgba(239,25,99,.24)}
.btn--primary:hover{background:var(--rose-deep);box-shadow:0 14px 32px rgba(239,25,99,.3)}
.btn--ink{background:var(--ink);color:#fff}
.btn--ink:hover{background:#000}
.btn--ghost{background:transparent;color:var(--ink);border-color:var(--line-strong)}
.btn--ghost:hover{border-color:var(--ink);background:rgba(0,0,0,.02)}
.btn--light{background:#fff;color:var(--ink)}
.btn--light:hover{background:var(--rose-soft)}
.btn--outline-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.4)}
.btn--outline-light:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.btn--sm{min-height:44px;padding:10px 20px;font-size:14.5px}
.btn--block{width:100%}
.btn .arw{transition:transform .18s ease}
.btn:hover .arw{transform:translateX(3px)}
.btn[disabled]{opacity:.5;cursor:not-allowed;box-shadow:none}

.link-arrow{
  display:inline-flex;align-items:center;gap:8px;font-size:15px;font-weight:600;
  color:var(--rose);text-decoration:none;border-bottom:1px solid transparent;padding-bottom:2px;
}
.link-arrow:hover{border-bottom-color:currentColor}

/* ---------- Header ---------- */
.site-header{
  position:sticky;top:0;z-index:60;
  background:rgba(250,248,245,.86);
  backdrop-filter:saturate(150%) blur(14px);
  -webkit-backdrop-filter:saturate(150%) blur(14px);
  border-bottom:1px solid transparent;
  transition:border-color .2s ease,background .2s ease;
}
.site-header.is-stuck{border-bottom-color:var(--line);background:rgba(250,248,245,.95)}
.site-header .shell{display:flex;align-items:center;gap:24px;min-height:82px}
.brand{display:flex;align-items:center;flex:none;text-decoration:none}
.brand img{height:38px;width:auto}
.nav{margin-left:auto;display:flex;align-items:center;gap:34px}
.nav a{
  font-size:14.5px;font-weight:500;color:var(--ink-soft);text-decoration:none;
  position:relative;padding:6px 0;transition:color .18s ease;
}
.nav a::after{content:"";position:absolute;left:0;right:100%;bottom:0;height:1.5px;background:var(--rose);transition:right .22s ease}
.nav a:hover{color:var(--ink)}
.nav a:hover::after{right:0}
.header-cta{flex:none;margin-left:6px}
/* The desktop header already carries a Risk profile button; the nav link is
   only needed once the button is hidden in the mobile menu. */
.nav-mobile-only{display:none}
.nav-toggle{
  display:none;margin-left:auto;width:44px;height:44px;border:1px solid var(--line-strong);
  background:transparent;border-radius:10px;align-items:center;justify-content:center;cursor:pointer;
}
.nav-toggle span{display:block;width:18px;height:1.5px;background:var(--ink);position:relative}
.nav-toggle span::before,.nav-toggle span::after{content:"";position:absolute;left:0;width:18px;height:1.5px;background:var(--ink);transition:transform .2s ease}
.nav-toggle span::before{top:-6px}
.nav-toggle span::after{top:6px}
.nav-toggle[aria-expanded="true"] span{background:transparent}
.nav-toggle[aria-expanded="true"] span::before{transform:translateY(6px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] span::after{transform:translateY(-6px) rotate(-45deg)}

/* ---------- Hero ---------- */
.hero{position:relative;overflow:hidden;padding:86px 0 96px}
.hero::before{
  content:"";position:absolute;top:-260px;right:-180px;width:720px;height:720px;border-radius:50%;
  background:radial-gradient(circle at 40% 40%,rgba(239,25,99,.10),rgba(239,25,99,0) 62%);
  pointer-events:none;
}
.hero .shell{position:relative;display:grid;grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);gap:70px;align-items:center}
.hero h1{margin:22px 0 24px}
.hero h1 em{font-style:italic;color:var(--rose)}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:34px}
.hero-note{margin-top:26px;font-size:14px;color:var(--grey);display:flex;align-items:center;gap:9px}
.hero-note svg{flex:none;color:var(--rose)}

/* Hero visual — the brand motif: a wave that resolves into a rising arrow */
.hero-visual{position:relative}
.hero-panel{
  position:relative;background:linear-gradient(160deg,#fff 0%,#fff 42%,var(--rose-soft) 100%);
  border:1px solid var(--line);border-radius:26px;padding:38px 36px 34px;box-shadow:var(--shadow);
}
.hero-panel .motif{width:100%;height:auto;display:block}
.motif-line{fill:none;stroke:var(--rose);stroke-width:13;stroke-linecap:round;stroke-linejoin:round}
.motif-rise{fill:none;stroke:var(--rose);stroke-width:13;stroke-linecap:round}
.motif-head{fill:var(--rose)}
.motif-grid{stroke:var(--line);stroke-width:1}
.hero-panel figcaption{
  margin-top:26px;padding-top:22px;border-top:1px solid var(--rose-line);
  display:flex;align-items:baseline;justify-content:space-between;gap:16px;flex-wrap:wrap;
}
.hero-panel figcaption strong{font-family:var(--display);font-size:19px;font-weight:500;letter-spacing:-.01em}
.hero-panel figcaption span{font-size:13px;color:var(--grey)}
.arn-seal{
  position:absolute;left:-26px;top:-20px;background:var(--ink);color:#fff;border-radius:14px;
  padding:14px 18px;box-shadow:0 18px 40px rgba(27,28,30,.22);line-height:1.3;
}
.arn-seal small{display:block;font-size:10px;letter-spacing:.16em;text-transform:uppercase;color:rgba(255,255,255,.6)}
.arn-seal b{font-size:16px;font-weight:600;letter-spacing:.02em}

/* ---------- Trust strip ---------- */
.strip{border-block:1px solid var(--line);background:var(--paper)}
.strip ul{
  list-style:none;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;
  gap:14px 30px;padding:22px 0;
}
.strip li{
  font-size:12.5px;font-weight:600;letter-spacing:.13em;text-transform:uppercase;color:var(--grey);
  display:flex;align-items:center;gap:10px;
}
.strip li::before{content:"";width:5px;height:5px;border-radius:50%;background:var(--rose);flex:none}

/* ---------- Cards ---------- */
.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:26px}
.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:26px}

.card{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);
  padding:34px 32px 32px;display:flex;flex-direction:column;
  transition:transform .22s ease,box-shadow .22s ease,border-color .22s ease;
}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow-sm);border-color:var(--line-strong)}
.card h3{margin:22px 0 12px}
.card p{color:var(--grey);font-size:15.5px;line-height:1.66}
.card ul{list-style:none;margin-top:20px;display:grid;gap:9px}
.card ul li{font-size:14.5px;color:var(--ink-soft);padding-left:20px;position:relative}
.card ul li::before{
  content:"";position:absolute;left:0;top:9px;width:7px;height:7px;border-radius:2px;
  background:var(--rose);opacity:.85;
}
.card-icon{
  width:46px;height:46px;border-radius:13px;background:var(--rose-soft);color:var(--rose);
  display:grid;place-items:center;flex:none;border:1px solid var(--rose-line);
}
.card-icon svg{width:22px;height:22px}

/* ---------- Steps ---------- */
.steps{list-style:none;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:0;border-top:1px solid var(--line-strong)}
.steps li{padding:30px 26px 34px 0;border-right:1px solid var(--line);position:relative}
.steps li:last-child{border-right:0;padding-right:0}
.steps li::before{
  content:"";position:absolute;top:-1px;left:0;width:38px;height:2px;background:var(--rose);
}
.steps .n{font-family:var(--display);font-size:15px;color:var(--rose);letter-spacing:.06em}
.steps h3{font-size:18.5px;margin:14px 0 10px}
.steps p{font-size:14.5px;color:var(--grey);line-height:1.62;padding-right:14px}

/* ---------- About / split ---------- */
.split{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:70px;align-items:start}
.about-card{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);
  padding:34px 32px;box-shadow:var(--shadow-sm);
}
.about-card img{width:120px;margin-bottom:24px}
.about-card dl{display:grid;gap:18px;margin:0}
.about-card dt{font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:var(--grey-light);margin-bottom:4px}
.about-card dd{margin:0;font-size:15.5px;font-weight:500;color:var(--ink)}
.about-body p+p{margin-top:20px}
.about-body p{color:var(--ink-soft);font-size:17px;line-height:1.72}
.pull{
  border-left:2px solid var(--rose);padding:4px 0 4px 24px;margin:30px 0;
  font-family:var(--display);font-size:22px;line-height:1.42;font-style:italic;color:var(--ink);
}

/* ---------- CTA band ---------- */
.band{
  background:var(--ink);color:#fff;border-radius:26px;padding:64px 64px;position:relative;overflow:hidden;
}
.band::after{
  content:"";position:absolute;right:-140px;top:-140px;width:460px;height:460px;border-radius:50%;
  background:radial-gradient(circle at 50% 50%,rgba(239,25,99,.34),rgba(239,25,99,0) 65%);
}
.band .band-inner{position:relative;display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,.75fr);gap:52px;align-items:center}
.band h2{color:#fff;margin:18px 0 16px}
.band p{color:rgba(255,255,255,.72);font-size:16.5px;line-height:1.7;max-width:52ch}
.band .eyebrow{color:#ff8ab4}
.band .eyebrow::before{background:#ff8ab4}
.band-facts{list-style:none;display:grid;gap:16px}
.band-facts li{display:flex;gap:14px;align-items:flex-start;font-size:15px;color:rgba(255,255,255,.82);line-height:1.55}
.band-facts svg{flex:none;margin-top:3px;color:#ff8ab4}
.band-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:32px}

/* ---------- Contact ---------- */
.contact-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:26px}
.contact-item{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:30px 28px;
}
.contact-item .card-icon{width:40px;height:40px;border-radius:11px;margin-bottom:20px}
.contact-item .card-icon svg{width:19px;height:19px}
.contact-item h3{font-size:15px;font-family:var(--sans);font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--grey);margin-bottom:12px}
.contact-item p,.contact-item a{font-size:17px;line-height:1.6;color:var(--ink);text-decoration:none;font-weight:500}
.contact-item a:hover{color:var(--rose)}
.contact-item .small{font-size:14px;color:var(--grey);font-weight:400;margin-top:8px}

/* ---------- Footer ---------- */
.site-footer{background:var(--ink);color:rgba(255,255,255,.62);padding:72px 0 40px;font-size:14.5px}
.footer-top{display:grid;grid-template-columns:minmax(0,1.4fr) repeat(2,minmax(0,.8fr));gap:48px;padding-bottom:44px;border-bottom:1px solid rgba(255,255,255,.12)}
.site-footer img{height:44px;width:auto;margin-bottom:22px}
.site-footer p{line-height:1.7;max-width:44ch}
.site-footer h4{font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:rgba(255,255,255,.45);margin:0 0 18px;font-weight:600}
.site-footer ul{list-style:none;display:grid;gap:11px}
.site-footer a{color:rgba(255,255,255,.78);text-decoration:none}
.site-footer a:hover{color:#fff}
.footer-legal{padding-top:30px;display:grid;gap:16px;font-size:12.5px;line-height:1.7;color:rgba(255,255,255,.5)}
.footer-legal p{max-width:none}
.footer-legal strong{color:rgba(255,255,255,.72);font-weight:600}
.footer-base{display:flex;flex-wrap:wrap;gap:10px 26px;justify-content:space-between;padding-top:14px;border-top:1px solid rgba(255,255,255,.1);margin-top:12px;font-size:12.5px}

/* ---------- Floating WhatsApp ---------- */
.wa-float{
  position:fixed;right:22px;bottom:22px;z-index:70;width:54px;height:54px;border-radius:50%;
  background:#25d366;color:#fff;display:grid;place-items:center;box-shadow:0 12px 30px rgba(0,0,0,.22);
  text-decoration:none;transition:transform .18s ease;
}
.wa-float:hover{transform:scale(1.06)}
.wa-float svg{width:27px;height:27px}

/* ---------- Reveal on scroll ---------- */
.reveal{opacity:0;transform:translateY(16px);transition:opacity .6s cubic-bezier(.22,.61,.36,1),transform .6s cubic-bezier(.22,.61,.36,1)}
.reveal.is-in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none}}

/* ---------- Responsive ---------- */
@media (max-width:980px){
  .hero .shell{grid-template-columns:1fr;gap:52px}
  .hero{padding:58px 0 72px}
  .arn-seal{left:auto;right:18px;top:-20px}
  .split{grid-template-columns:1fr;gap:44px}
  .grid-3,.contact-grid{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  .steps li{border-bottom:1px solid var(--line);padding-right:24px}
  .steps li:nth-child(2n){border-right:0;padding-right:0}
  .steps li:nth-last-child(-n+2){border-bottom:0}
  .band{padding:48px 40px}
  .band .band-inner{grid-template-columns:1fr;gap:34px}
  .footer-top{grid-template-columns:1fr 1fr;gap:36px}
}
@media (max-width:760px){
  .shell{padding-inline:22px}
  .section{padding:72px 0}
  .section--tight{padding:58px 0}
  .nav-toggle{display:flex}
  .nav{
    position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;
    background:var(--paper);border-bottom:1px solid var(--line);padding:8px 22px 18px;
    box-shadow:var(--shadow-sm);display:none;
  }
  .nav.is-open{display:flex}
  .nav a{padding:14px 0;border-bottom:1px solid var(--line);font-size:16px}
  .nav a:last-child{border-bottom:0}
  .nav-mobile-only{display:block;color:var(--rose);font-weight:600}
  .header-cta{display:none}
  .grid-3,.grid-2,.contact-grid{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr}
  .steps li{border-right:0;border-bottom:1px solid var(--line);padding:26px 0 28px}
  .steps li:last-child{border-bottom:0}
  .hero-panel{padding:28px 24px 26px}
  .band{padding:40px 26px;border-radius:20px}
  .footer-top{grid-template-columns:1fr;gap:34px}
  .site-footer{padding:56px 0 32px}
  .btn{width:100%}
  .hero-actions,.band-actions{flex-direction:column;align-items:stretch}
  .wa-float{right:16px;bottom:16px}
}
@media (max-width:420px){
  .shell{padding-inline:18px}
  .arn-seal{right:10px;padding:11px 14px}
  .arn-seal b{font-size:15px}
}