/* =====================================================
   Exel Financial Services — Brand Stylesheet
   Built on the Exel Consultancy Brand Guidelines v1.0
   Colours: Near Black #282D32 | Teal #78C5C2 | Sage #A8BDA0
   Typeface: Work Sans
   ===================================================== */

:root{
  --near-black:#282D32;
  --teal:#78C5C2;
  --sage:#A8BDA0;
  --white:#FFFFFF;
  --soft-grey:#DCE2E6;
  --steel-teal:#91B7B7;
  --dark-sage:#7F9C89;
  --ink:#282D32;
  --muted:#5b6770;
  --bg:#FFFFFF;
  --bg-alt:#f4f7f6;
  --maxw:1180px;
  --radius:14px;
  --shadow:0 10px 30px rgba(40,45,50,.08);
  --shadow-lg:0 20px 50px rgba(40,45,50,.14);
  --font:'Work Sans','Segoe UI',Arial,sans-serif;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:var(--font);
  color:var(--ink);
  background:var(--bg);
  line-height:1.6;
  font-size:18px;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:var(--near-black);text-decoration:none}
.container{max-width:var(--maxw);margin:0 auto;padding:0 24px}

/* ---------- Typography ---------- */
h1,h2,h3,h4{font-weight:600;line-height:1.15;margin:0 0 .5em;color:var(--near-black);letter-spacing:-.01em}
h1{font-size:clamp(2.2rem,5vw,3.4rem);font-weight:700}
h2{font-size:clamp(1.7rem,3.4vw,2.5rem)}
h3{font-size:clamp(1.25rem,2.2vw,1.6rem)}
p{margin:0 0 1.1em}
.lead{font-size:1.2rem;color:var(--muted);font-weight:500}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--dark-sage);margin-bottom:14px}
.text-teal{color:var(--teal)}
.center{text-align:center}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;gap:.5em;
  font-weight:600;font-size:1rem;
  padding:14px 28px;border-radius:10px;
  border:2px solid transparent;cursor:pointer;
  transition:transform .15s ease,box-shadow .2s ease,background .2s ease,color .2s ease;
}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:var(--teal);color:var(--near-black);box-shadow:0 8px 20px rgba(120,197,194,.35)}
.btn-primary:hover{background:#63b7b4}
.btn-dark{background:var(--near-black);color:#fff}
.btn-dark:hover{background:#1d2125}
.btn-ghost{background:transparent;color:var(--near-black);border-color:var(--near-black)}
.btn-ghost:hover{background:var(--near-black);color:#fff}
.btn-light{background:#fff;color:var(--near-black)}
.btn-outline-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.6)}
.btn-outline-light:hover{background:#fff;color:var(--near-black)}

/* ---------- Header / Nav ---------- */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--soft-grey)}
.nav{display:flex;align-items:center;justify-content:space-between;height:74px}
.brand{display:flex;align-items:center;gap:12px}
.brand .mark{width:42px;height:42px}
.brand .wordmark{display:flex;flex-direction:column;line-height:1}
.brand .wordmark .top{font-weight:700;font-size:1.35rem;letter-spacing:.16em;color:var(--near-black)}
.brand .wordmark .sub{font-weight:800;font-size:.62rem;letter-spacing:.06em;color:var(--teal);text-transform:uppercase;margin-top:3px}
.nav-links{display:flex;align-items:center;gap:6px;list-style:none;margin:0;padding:0}
.nav-links a{padding:10px 14px;border-radius:8px;font-weight:500;font-size:.97rem;color:var(--near-black);transition:background .15s,color .15s}
.nav-links a:hover,.nav-links a.active{background:var(--bg-alt);color:var(--near-black)}
.nav-cta{margin-left:8px}
.dropdown{position:relative}
.dropdown-toggle::after{content:"▾";font-size:.7em;margin-left:6px;color:var(--dark-sage)}
.dropdown-menu{position:absolute;top:calc(100% + 8px);left:0;min-width:230px;background:#fff;border:1px solid var(--soft-grey);border-radius:12px;box-shadow:var(--shadow);padding:8px;opacity:0;visibility:hidden;transform:translateY(6px);transition:.18s}
.dropdown:hover .dropdown-menu,.dropdown:focus-within .dropdown-menu{opacity:1;visibility:visible;transform:translateY(0)}
.dropdown-menu a{display:block}
.hamburger{display:none;background:none;border:0;cursor:pointer;padding:8px}
.hamburger span{display:block;width:26px;height:2px;background:var(--near-black);margin:6px 0;transition:.2s}

/* ---------- Hero ---------- */
.hero{position:relative;overflow:hidden;background:var(--near-black);color:#fff}
.hero .container{position:relative;z-index:2;padding-top:90px;padding-bottom:96px;max-width:880px}
.hero h1{color:#fff}
.hero .lead{color:rgba(255,255,255,.82)}
.hero .btns{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
.hero-chevrons{position:absolute;inset:0;z-index:1;opacity:.9}
.chev{position:absolute;right:-40px;top:50%;transform:translateY(-50%)}
.hero .sage-fill{fill:var(--sage)}
.hero .teal-line{stroke:var(--teal);fill:none;stroke-width:2}

/* page hero (interior) */
.page-hero{background:linear-gradient(120deg,var(--near-black) 0%,#30373d 100%);color:#fff;position:relative;overflow:hidden}
.page-hero .container{position:relative;z-index:2;padding:64px 24px}
.page-hero h1{color:#fff;margin-bottom:.2em}
.page-hero p{color:rgba(255,255,255,.8);max-width:680px;margin:0}
.page-hero .deco{position:absolute;right:-60px;top:-30px;bottom:-30px;width:420px;z-index:1;opacity:.85}
.breadcrumb{font-size:.85rem;color:rgba(255,255,255,.6);margin-bottom:14px}
.breadcrumb a{color:rgba(255,255,255,.85)}

/* ---------- Sections ---------- */
section{padding:72px 0}
.section-alt{background:var(--bg-alt)}
.section-dark{background:var(--near-black);color:#fff}
.section-dark h2,.section-dark h3{color:#fff}
.section-head{max-width:720px;margin-bottom:44px}
.section-head.center{margin-left:auto;margin-right:auto}

/* ---------- Cards / grids ---------- */
.grid{display:grid;gap:24px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--soft-grey);border-radius:var(--radius);padding:30px;transition:transform .2s,box-shadow .2s,border-color .2s}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:var(--teal)}
.card .ico{width:46px;height:46px;border-radius:10px;display:flex;align-items:center;justify-content:center;background:var(--bg-alt);margin-bottom:16px}
.card .ico svg{width:24px;height:24px}
.card h3{font-size:1.2rem;margin-bottom:.4em}
.card p{color:var(--muted);font-size:.98rem;margin:0}
.card .more{display:inline-block;margin-top:14px;font-weight:600;color:var(--near-black);font-size:.95rem}
.card .more::after{content:" →";color:var(--teal)}

/* feature list with ticks */
.ticklist{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.ticklist li{display:flex;gap:12px;align-items:flex-start}
.ticklist li::before{content:"";flex:0 0 22px;height:22px;margin-top:2px;border-radius:50%;background:var(--teal);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23282D32' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:center;background-size:14px}
.ticklist.on-dark li::before{background:var(--teal)}

.chips{display:flex;flex-wrap:wrap;gap:10px}
.chip{background:var(--bg-alt);border:1px solid var(--soft-grey);border-radius:999px;padding:8px 16px;font-size:.92rem;font-weight:500;color:var(--near-black)}
.section-dark .chip{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.18);color:#fff}

/* split feature row */
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center}
.panel{background:var(--bg-alt);border-radius:var(--radius);padding:36px;border:1px solid var(--soft-grey)}
.panel.dark{background:var(--near-black);color:#fff;border:0}
.panel.teal{background:var(--teal);color:var(--near-black);border:0}
.panel.sage{background:var(--sage);color:var(--near-black);border:0}

/* stat strip */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center}
.stat .n{font-size:2.4rem;font-weight:700;color:var(--teal);line-height:1}
.stat .l{color:var(--muted);font-size:.95rem;margin-top:6px}
.section-dark .stat .l{color:rgba(255,255,255,.7)}

/* compare table */
.compare{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.compare .panel h3{display:flex;align-items:center;gap:10px}

/* CTA band */
.cta-band{background:var(--teal);color:var(--near-black);border-radius:20px;padding:54px;text-align:center;position:relative;overflow:hidden}
.cta-band h2{color:var(--near-black)}
.cta-band p{max-width:620px;margin:0 auto 26px;color:#22484a;font-weight:500}

/* ---------- FAQ accordion ---------- */
.faq{max-width:840px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--soft-grey);border-radius:12px;margin-bottom:14px;overflow:hidden}
.faq summary{cursor:pointer;list-style:none;padding:20px 24px;font-weight:600;display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.5rem;color:var(--teal);font-weight:400;transition:.2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details[open] summary{color:var(--near-black)}
.faq .a{padding:0 24px 22px;color:var(--muted)}

/* ---------- Contact ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.field{margin-bottom:18px}
.field label{display:block;font-weight:600;font-size:.92rem;margin-bottom:7px}
.field input,.field select,.field textarea{width:100%;padding:13px 15px;border:1px solid var(--soft-grey);border-radius:10px;font-family:inherit;font-size:1rem;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(120,197,194,.25)}
.info-card{background:var(--near-black);color:#fff;border-radius:var(--radius);padding:34px}
.info-card a{color:var(--teal)}
.info-item{display:flex;gap:14px;align-items:flex-start;margin-bottom:22px}
.info-item .ic{flex:0 0 40px;height:40px;border-radius:10px;background:rgba(255,255,255,.08);display:flex;align-items:center;justify-content:center}
.info-item .ic svg{width:20px;height:20px;stroke:var(--teal)}
.info-item .t{font-size:.8rem;text-transform:uppercase;letter-spacing:.1em;color:rgba(255,255,255,.55)}
.info-item .v{font-weight:600}

/* ---------- Footer ---------- */
.site-footer{background:var(--near-black);color:rgba(255,255,255,.75);padding:64px 0 28px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}
.site-footer h4{color:#fff;font-size:.95rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:18px}
.site-footer ul{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.site-footer a{color:rgba(255,255,255,.72);font-size:.95rem}
.site-footer a:hover{color:var(--teal)}
.footer-brand .wordmark .top{color:#fff}
.footer-brand p{color:rgba(255,255,255,.6);font-size:.92rem;max-width:300px;margin-top:14px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:46px;padding-top:22px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:.85rem;color:rgba(255,255,255,.5)}

/* ---------- Utility ---------- */
.mt-0{margin-top:0}.mb-0{margin-bottom:0}
.disclaimer{font-size:.82rem;color:var(--muted);background:var(--bg-alt);border-left:3px solid var(--sage);padding:14px 18px;border-radius:0 8px 8px 0}

/* ---------- Responsive ---------- */
@media (max-width:900px){
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .grid-3{grid-template-columns:repeat(2,1fr)}
  .split{grid-template-columns:1fr;gap:28px}
  .compare{grid-template-columns:1fr}
  .contact-grid{grid-template-columns:1fr}
  .stats{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .nav-links{position:fixed;inset:74px 0 auto 0;flex-direction:column;align-items:stretch;background:#fff;border-bottom:1px solid var(--soft-grey);padding:16px;gap:4px;display:none;box-shadow:var(--shadow)}
  .nav-links.open{display:flex}
  .nav-links a{padding:14px}
  .dropdown-menu{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;padding:4px 0 4px 14px;min-width:0}
  .nav-cta{margin:8px 0 0}
  .hamburger{display:block}
}
@media (max-width:560px){
  .grid-4,.grid-3,.grid-2,.footer-grid,.stats{grid-template-columns:1fr}
  .cta-band{padding:36px 22px}
  section{padding:54px 0}
}