/* ============================================================
   ZOI FINANCIAL — Design System v5
   Poppins 600 headings. Dark/light alternating sections.
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Poppins:wght@300;400;500;600;700&family=DM+Sans:opsz,wght@9..40,300;9..40,400;9..40,500&display=swap');

:root {
  /* Dark section palette */
  --navy:        #0a1628;
  --navy-mid:    #0d1e35;
  --navy-light:  #112240;
  --navy-card:   #0f1f38;
  --cyan:        #00acd6;
  --cyan-hover:  #00c8f0;
  --cyan-dim:    rgba(0,172,214,0.12);
  --border-dark: rgba(255,255,255,0.07);
  --border-cyan: rgba(0,172,214,0.22);

  /* Unified text for dark sections — one color only */
  --text-dark-section: #cdd9ea;

  /* Light section palette */
  --light-bg-from:  #dde8f5;
  --light-bg-to:    #e8eef7;
  --light-heading:  #0d1b2e;
  --light-body:     #3d5470;
  --light-muted:    #5a7290;

  --radius:     10px;
  --radius-lg:  16px;
  --radius-xl:  24px;
  --radius-pill:100px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

body {
  font-family: 'DM Sans', sans-serif;
  background: var(--navy);
  color: var(--text-dark-section);
  font-size: 16px;
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

/* ── Typography ── */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  line-height: 1.2;
  color: #ffffff;
}
h1 { font-size: clamp(2rem, 5vw, 3.4rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.4rem); }
h3 { font-size: 1.25rem; font-weight: 600; }
h4 { font-size: 1rem; font-weight: 600; }
h5, h6 { font-size: 0.7rem; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; }

p { color: var(--text-dark-section); line-height: 1.75; }
a { color: var(--cyan); text-decoration: none; transition: opacity 0.2s; }
a:hover { opacity: 0.8; }

/* ── Layout ── */
.container   { max-width: 1100px; margin: 0 auto; padding: 0 28px; }
.section     { padding: 96px 0; }
.section--sm { padding: 64px 0; }
.text-center { text-align: center; }

/* ══════════════════════════════════════════
   EYEBROW BADGES
════════════════════════════════════════════ */
/* On dark sections — translucent white pill */
.eyebrow {
  display: inline-block;
  font-family: 'DM Sans', sans-serif;
  font-size: 0.7rem; font-weight: 500;
  letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--text-dark-section);
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.14);
  padding: 6px 16px;
  border-radius: var(--radius-pill);
  margin-bottom: 20px;
}
/* On light sections — override */
.eyebrow-light {
  color: var(--light-body);
  background: rgba(13,27,46,0.07);
  border-color: rgba(13,27,46,0.14);
}

/* ══════════════════════════════════════════
   NAV
════════════════════════════════════════════ */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  background: rgba(10,22,40,0.94);
  backdrop-filter: blur(18px);
  -webkit-backdrop-filter: blur(18px);
  border-bottom: 1px solid var(--border-dark);
}
.nav-inner {
  max-width: 1100px; margin: 0 auto; padding: 0 28px;
  display: flex; align-items: center; justify-content: space-between;
  height: 85px;
}
.nav-logo { display: flex; align-items: center; text-decoration: none; }
.nav-logo-img { height: 60px; width: auto; display: block; }
.nav-links { display: flex; align-items: center; gap: 32px; }
.nav-links a {
  color: var(--text-dark-section); font-weight: 400;
  font-size: 0.9rem; text-decoration: none; transition: color 0.2s;
}
.nav-links a:hover,
.nav-links a.active { color: #fff; opacity: 1; }
.nav-cta {
  display: inline-flex; align-items: center; gap: 6px;
  background: #ffffff !important; color: var(--navy) !important;
  font-family: 'Poppins', sans-serif;
  font-weight: 600 !important; font-size: 0.85rem !important;
  padding: 9px 18px !important; border-radius: var(--radius-pill) !important;
  transition: background 0.2s, transform 0.15s !important;
  text-decoration: none;
}
.nav-cta:hover { background: var(--cyan-hover) !important; transform: translateY(-1px); opacity: 1 !important; }
.nav-cta svg { width: 13px; height: 13px; }
.nav-hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 4px; }
.nav-hamburger span { display: block; width: 24px; height: 2px; background: #fff; border-radius: 2px; transition: 0.3s; }
.nav-mobile {
  display: none; position: fixed; top: 68px; left: 0; right: 0;
  background: var(--navy-mid); border-bottom: 1px solid var(--border-dark);
  padding: 24px 28px; flex-direction: column; gap: 18px; z-index: 99;
}
.nav-mobile.open { display: flex; }
.nav-mobile a { color: var(--text-dark-section); font-size: 1rem; font-weight: 400; }
@media (max-width: 768px) { .nav-links { display: none; } .nav-hamburger { display: flex; } }

/* ══════════════════════════════════════════
   BUTTONS
════════════════════════════════════════════ */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: 'Poppins', sans-serif; font-weight: 600;
  font-size: 0.88rem; border-radius: var(--radius-pill);
  padding: 13px 26px; cursor: pointer;
  transition: all 0.22s; text-decoration: none; border: none;
  letter-spacing: 0.01em;
}

/* Teal filled — primary CTA (Get in Touch style) */
.btn-teal {
  background: #00acd6;
  color: #ffffff;
}
.btn-teal:hover {
  background: #0a8faf;
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(0,160,200,0.35);
  opacity: 1;
  color: #ffffff;
}

/* Cyan filled — secondary (Learn More, ebook) */
.btn-cyan {
  background: #00acd6;
  color: #ffffff;
  font-weight: 600;
}
.btn-cyan:hover {
  background: #0a8faf;
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(0,172,214,0.35);
  opacity: 1;
  color: #ffffff;
}

/* Ghost outlined — for dark bg secondary */
.btn-ghost {
  background: transparent;
  color: #ffffff;
  border: 2px solid rgba(255,255,255,0.35);
}
.btn-ghost:hover {
  background: rgba(255,255,255,0.08);
  border-color: rgba(255,255,255,0.6);
  transform: translateY(-2px);
  opacity: 1; color: #ffffff;
}

.btn svg { flex-shrink: 0; }

/* ══════════════════════════════════════════
   LIGHT SECTIONS
════════════════════════════════════════════ */
.section-light {
  background: linear-gradient(150deg, #dde8f5 0%, #e8eef7 55%, #d8e4f2 100%);
}
.section-light h1,
.section-light h2,
.section-light h3,
.section-light h4 { color: var(--light-heading); }
.section-light p   { color: var(--light-body); }
.section-light a:not(.btn-teal):not(.btn-cyan):not(.btn-ghost) { color: #0a8faf; }

/* White feature cards (Why Zoi 3-up) */
.card-white {
  background: #ffffff;
  border: none;
  border-radius: 16px;
  padding: 36px 28px;
  box-shadow: 0 4px 28px rgba(13,27,46,0.09);
  text-align: center;
  flex: 1 1 240px; max-width: 310px;
  transition: transform 0.25s, box-shadow 0.25s;
}
.card-white:hover { transform: translateY(-5px); box-shadow: 0 14px 40px rgba(13,27,46,0.14); }
.card-white h4 { color: var(--light-heading); margin-bottom: 12px; }
.card-white p  { font-size: 0.88rem; color: var(--light-muted); line-height: 1.65; }

.card-icon-circle {
  width: 64px; height: 64px; border-radius: 50%;
  background: rgba(0,172,214,0.1);
  border: 1px solid rgba(0,172,214,0.2);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
}

/* Cards grid */
.cards-grid {
  display: flex; gap: 20px; justify-content: center; flex-wrap: wrap;
  margin-top: 48px;
}

/* ══════════════════════════════════════════
   HERO IMAGE PLACEHOLDER
════════════════════════════════════════════ */
.hero-img-wrap {
  width: 100%; border-radius: var(--radius-xl); overflow: hidden;
  border: 1px solid var(--border-cyan);
  background: var(--navy-light);
  margin-top: 56px;
  line-height: 0;
}
.hero-img-wrap img { width: 100%; height: auto; display: block; }
.hero-img-placeholder {
  display: flex; flex-direction: column;
  align-items: center; justify-content: center; gap: 10px; padding: 32px;
}
.hero-img-placeholder svg { opacity: 0.2; }
.hero-img-placeholder p { font-size: 0.8rem; color: #6b85a8; max-width: none; }

/* ══════════════════════════════════════════
   CONTENT SECTIONS (centered text + image)
════════════════════════════════════════════ */
.content-section { text-align: center; max-width: 640px; margin: 0 auto; }
.content-img {
  width: 100%; border-radius: var(--radius-xl); overflow: hidden;
  margin-top: 48px; border: 1px solid var(--border-dark);
  background: var(--navy-light);
  line-height: 0;
}
.content-img.content-img-light {
  background: rgba(255,255,255,0.45);
  border-color: rgba(13,27,46,0.08);
}
.content-img img { width: 100%; height: auto; display: block; }
.content-img-placeholder {
  display: flex; flex-direction: column;
  align-items: center; justify-content: center; gap: 10px; padding: 48px;
  min-height: 280px;
}
.content-img-placeholder svg { opacity: 0.2; }
.content-img-placeholder p { font-size: 0.8rem; color: #6b85a8; max-width: none; }

/* ══════════════════════════════════════════
   ABOUT BLOCKS (text + image side by side)
════════════════════════════════════════════ */
.about-block {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 64px; align-items: center;
  padding: 80px 0;
  border-top: 1px solid var(--border-dark);
}
.about-block:first-of-type { border-top: none; padding-top: 0; }
.about-block.reverse { direction: rtl; }
.about-block.reverse > * { direction: ltr; }

/* On light sections */
.section-light .about-block { border-top-color: rgba(13,27,46,0.08); }

.about-block-img {
  border-radius: var(--radius-xl); overflow: hidden;
  background: var(--navy-light); border: 1px solid var(--border-dark);
  line-height: 0;
}
.about-block-img img { width: 100%; height: auto; display: block; }
.about-block-img.img-light {
  background: rgba(255,255,255,0.55);
  border-color: rgba(13,27,46,0.08);
}

.about-block-placeholder {
  display: flex; flex-direction: column;
  align-items: center; justify-content: center; gap: 10px; padding: 32px;
  min-height: 240px;
}
.about-block-placeholder svg { opacity: 0.2; }
.about-block-placeholder p { font-size: 0.78rem; color: #6b85a8; max-width: none; }

.about-block-text h3 { margin-bottom: 14px; }
.about-block-text p + p { margin-top: 12px; }
.about-icon-wrap {
  width: 48px; height: 48px; border-radius: 12px;
  background: rgba(0,172,214,0.12);
  border: 1px solid rgba(0,172,214,0.2);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
}

@media (max-width: 860px) {
  .about-block { grid-template-columns: 1fr; gap: 32px; direction: ltr !important; padding: 56px 0; }
}

/* ══════════════════════════════════════════
   FINANCIAL ELEVATION CTA CARD
   Light gradient card on dark navy bg
════════════════════════════════════════════ */
.cta-card {
  background: linear-gradient(135deg, #f5ede0 0%, #e8f0fa 45%, #d6e8f5 100%);
  border-radius: var(--radius-xl);
  padding: 72px 48px;
  text-align: center;
  position: relative; overflow: hidden;
}
.cta-card h2  { color: var(--light-heading); font-size: clamp(1.8rem, 3.5vw, 2.8rem); margin-bottom: 16px; }
.cta-card p   { color: var(--light-muted); max-width: 48ch; margin: 0 auto 36px; }
.cta-card .eyebrow {
  color: var(--light-body);
  background: rgba(13,27,46,0.07);
  border-color: rgba(13,27,46,0.14);
}

/* ══════════════════════════════════════════
   CONTACT PAGE
════════════════════════════════════════════ */
.contact-card {
  background: linear-gradient(150deg, #dde8f5 0%, #e8eef7 55%, #d8e4f2 100%);
  border-radius: var(--radius-xl);
  padding: 52px 48px;
  display: grid; grid-template-columns: 1fr 1fr; gap: 56px;
}
.contact-info-text {
  font-size: 0.95rem; color: var(--light-body);
  margin-bottom: 36px; line-height: 1.65;
}
.contact-info-item {
  display: flex; align-items: flex-start; gap: 14px; margin-bottom: 28px;
}
.contact-info-icon {
  width: 38px; height: 38px; flex-shrink: 0;
  background: rgba(0,172,214,0.15);
  border: 1px solid rgba(0,172,214,0.25);
  border-radius: 9px;
  display: flex; align-items: center; justify-content: center;
}
.contact-info-label {
  font-family: 'Poppins', sans-serif; font-weight: 600;
  font-size: 0.9rem; color: var(--light-heading);
  margin-bottom: 3px;
}
.contact-info-value { font-size: 0.88rem; color: var(--light-body); }
.contact-info-value a { color: var(--light-body); }
.contact-info-value a:hover { color: #0a8faf; opacity: 1; }

/* Contact form */
.contact-form { display: flex; flex-direction: column; gap: 16px; }
.form-group { display: flex; flex-direction: column; gap: 5px; }
.form-group label {
  font-family: 'Poppins', sans-serif; font-size: 0.78rem; font-weight: 500;
  color: var(--light-heading);
}
.form-group input,
.form-group textarea {
  background: #ffffff;
  border: 1.5px solid #c8d6e5;
  border-radius: 8px;
  padding: 12px 15px;
  color: var(--light-heading);
  font-family: 'DM Sans', sans-serif; font-size: 0.92rem;
  outline: none; width: 100%;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.form-group input::placeholder,
.form-group textarea::placeholder { color: #9ab0c8; }
.form-group input:focus,
.form-group textarea:focus {
  border-color: var(--cyan);
  box-shadow: 0 0 0 3px rgba(0,172,214,0.12);
}
.form-group textarea { resize: vertical; min-height: 120px; }
.form-checkbox { display: flex; align-items: flex-start; gap: 10px; cursor: pointer; }
.form-checkbox input[type="checkbox"] {
  width: 16px; height: 16px; margin-top: 3px; flex-shrink: 0; accent-color: var(--cyan);
}
.form-checkbox span { font-size: 0.8rem; color: var(--light-muted); line-height: 1.5; }
.btn-submit {
  background: var(--light-heading);
  color: #ffffff; border: none;
  border-radius: 8px; padding: 14px;
  font-family: 'Poppins', sans-serif; font-size: 0.9rem; font-weight: 600;
  cursor: pointer; width: 100%; transition: background 0.2s, transform 0.15s;
  letter-spacing: 0.02em;
}
.btn-submit:hover { background: var(--navy-light); transform: translateY(-1px); }
.success-msg {
  background: rgba(0,172,214,0.12); border: 1px solid rgba(0,172,214,0.3);
  border-radius: var(--radius); padding: 16px 20px;
  color: #0a8faf; font-weight: 500;
}
.error-msg {
  background: rgba(220,50,50,0.08); border: 1px solid rgba(220,50,50,0.25);
  border-radius: var(--radius); padding: 13px 16px; color: #c0392b; font-size: 0.88rem;
}

@media (max-width: 860px) {
  .contact-card { grid-template-columns: 1fr; gap: 40px; padding: 36px 24px; }
}

/* ══════════════════════════════════════════
   LEGAL PAGES
════════════════════════════════════════════ */
.legal-content { max-width: 720px; margin: 0 auto; }
.legal-content p  { color: var(--text-dark-section); margin-bottom: 20px; font-size: 0.95rem; }
.legal-content h3 {
  font-family: 'Poppins', sans-serif; font-weight: 600; font-size: 1.05rem;
  color: #ffffff; margin: 36px 0 10px;
}
.legal-content h3:first-of-type { margin-top: 0; }
.legal-content ul { padding-left: 20px; margin-bottom: 18px; }
.legal-content ul li { font-size: 0.92rem; color: var(--text-dark-section); margin-bottom: 8px; line-height: 1.65; }
.legal-content strong { color: #cdd9ea; }
.legal-content a { color: var(--cyan); }
.legal-intro { color: var(--text-dark-section) !important; font-size: 1rem !important; margin-bottom: 40px !important; }

/* ══════════════════════════════════════════
   FOOTER
════════════════════════════════════════════ */
footer {
  background: var(--navy-mid);
  border-top: 1px solid var(--border-dark);
  padding: 60px 28px 28px;
}
.footer-inner {
  max-width: 1100px; margin: 0 auto;
  display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 48px;
}
.footer-brand p {
  font-size: 0.88rem; color: #6b85a8;
  max-width: 26ch; margin-top: 14px;
}
.footer-col h6 {
  /* Larger and lighter than before */
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #cdd9ea;
  margin-bottom: 16px;
}
.footer-col a {
  display: block; color: #6b85a8; font-size: 0.88rem;
  margin-bottom: 12px; text-decoration: none; transition: color 0.2s;
}
.footer-col a:hover { color: #ffffff; opacity: 1; }
.footer-col a.footer-active { color: #ffffff; font-weight: 600; }
.footer-bottom {
  max-width: 1100px; margin: 36px auto 0;
  padding-top: 22px; border-top: 1px solid var(--border-dark);
  display: flex; align-items: center; justify-content: space-between;
  flex-wrap: wrap; gap: 14px;
}
.footer-bottom p { font-size: 0.8rem; color: #4a6280; max-width: none; }
.footer-social { display: flex; gap: 10px; }
.footer-social a {
  width: 34px; height: 34px; border-radius: 7px;
  border: 1px solid var(--border-dark); background: transparent;
  display: flex; align-items: center; justify-content: center;
  color: #6b85a8; transition: all 0.2s; text-decoration: none;
}
.footer-social a:hover { border-color: var(--cyan); color: var(--cyan); opacity: 1; }
.footer-social svg { width: 14px; height: 14px; }

/* ══════════════════════════════════════════
   MISC UTILITIES
════════════════════════════════════════════ */
.orb { position: absolute; border-radius: 50%; filter: blur(90px); pointer-events: none; }
.orb-cyan { background: rgba(0,172,214,0.13); }
.orb-blue { background: rgba(10,60,120,0.35); }

/* ══════════════════════════════════════════
   RESPONSIVE
════════════════════════════════════════════ */
@media (max-width: 768px) {
  .section { padding: 64px 0; }
  .section--sm { padding: 48px 0; }
  .cta-card { padding: 48px 24px; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
}
@media (max-width: 480px) {
  .footer-inner { grid-template-columns: 1fr; }
  h1 { font-size: 2rem; }
}

/* ══════════════════════════════════════════
   ANIMATIONS
════════════════════════════════════════════ */
@keyframes fadeUp  { from { opacity:0; transform:translateY(22px); } to { opacity:1; transform:translateY(0); } }
@keyframes fadeIn  { from { opacity:0; } to { opacity:1; } }

.anim-up, .anim-in { opacity: 0; }
.anim-up.is-visible { animation: fadeUp 0.6s cubic-bezier(0.22,1,0.36,1) both; }
.anim-in.is-visible { animation: fadeIn 0.55s ease both; }
.delay-1 { animation-delay: 0.08s; }
.delay-2 { animation-delay: 0.16s; }
.delay-3 { animation-delay: 0.24s; }
.delay-4 { animation-delay: 0.32s; }
.delay-5 { animation-delay: 0.40s; }

/* ══════════════════════════════════════════
   HERO SIDE-BY-SIDE LAYOUT
   Text left, image right on desktop
════════════════════════════════════════════ */
.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}
.hero-text { text-align: left; }
.hero-text .eyebrow { display: inline-block; }
.hero-img-wrap {
  margin-top: 0;
  border-radius: var(--radius-xl);
  overflow: hidden;
  border: 1px solid var(--border-cyan);
  background: var(--navy-light);
  line-height: 0;
}
.hero-img-wrap img { width: 100%; height: auto; display: block; }

@media (max-width: 860px) {
  .hero-inner {
    grid-template-columns: 1fr;
    gap: 36px;
  }
  .hero-text { text-align: center; }
  .hero-text .btn-group { justify-content: center; }
}


/* ══ COOKIE CONSENT BANNER ══════════════════════════════════════════ */
#zoi-cookie-banner {
  position: fixed;
  bottom: -200px;
  left: 50%;
  transform: translateX(-50%);
  width: calc(100% - 40px);
  max-width: 720px;
  background: var(--navy-light);
  border: 1px solid var(--border-cyan);
  border-radius: 12px;
  padding: 20px 24px;
  display: flex;
  align-items: center;
  gap: 20px;
  z-index: 9999;
  box-shadow: 0 8px 32px rgba(0,0,0,0.4);
  transition: bottom 0.4s cubic-bezier(0.34, 1.56, 0.64, 1);
}
#zoi-cookie-banner.visible {
  bottom: 24px;
}
.cookie-text {
  flex: 1;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.75);
  margin: 0;
  line-height: 1.5;
}
.cookie-text a {
  color: var(--cyan);
  text-decoration: underline;
}
.cookie-buttons {
  display: flex;
  gap: 10px;
  flex-shrink: 0;
}
.btn-cookie-accept {
  background: var(--cyan);
  color: var(--navy);
  border: none;
  padding: 9px 20px;
  border-radius: 6px;
  font-size: 0.85rem;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.2s;
  white-space: nowrap;
}
.btn-cookie-accept:hover {
  background: var(--cyan-hover);
}
.btn-cookie-decline {
  background: transparent;
  color: rgba(255,255,255,0.55);
  border: 1px solid rgba(255,255,255,0.2);
  padding: 9px 16px;
  border-radius: 6px;
  font-size: 0.85rem;
  cursor: pointer;
  transition: border-color 0.2s, color 0.2s;
  white-space: nowrap;
}
.btn-cookie-decline:hover {
  border-color: rgba(255,255,255,0.4);
  color: rgba(255,255,255,0.8);
}
@media (max-width: 600px) {
  #zoi-cookie-banner {
    flex-direction: column;
    align-items: flex-start;
    gap: 14px;
  }
}
/* ══ END COOKIE BANNER ═══════════════════════════════════════════════ */