/* ============================================================
   Bay Point Financial — Design System CSS
   Layout/typography structure: RIA Template Design System Spec v2.0.0
   Palette: recolored to the firm's actual brand — black + burgundy +
   white, sampled from the bayptfin.com logo — in place of the spec's
   default navy/gold palette.
   ============================================================ */

:root {
  /* Bay Point Financial brand palette, sampled from the firm's logo
     (bayptfin.com): black wordmark, burgundy swirl/dot accent, white. */
  --navy: #1c1a1a;       /* Bay Point Black — headings, nav/footer/hero surfaces */
  --blue: #8c4a5e;        /* muted burgundy — secondary text/links, captions */
  --gold: #7a2d41;        /* Bay Point Burgundy — primary CTAs, accents */
  --gold-hover: #5c2030;  /* burgundy, darkened for hover */
  --warm-white: #f8f6f4;
  --charcoal: #221f1e;
  --white: #ffffff;
  --border: #e7e3e1;
  --card-border: #e5e1df;

  --font-serif: "Playfair Display", "GT Super", Georgia, serif;
  --font-sans: "Inter", "Helvetica Neue", Arial, sans-serif;

  --shadow-card: 0 4px 20px rgba(0, 0, 0, 0.04);
  --shadow-card-hover: 0 10px 30px rgba(28, 26, 26, 0.12);
  --radius: 6px;
  --container: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 17px;
  line-height: 1.6;
  color: var(--charcoal);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }

h1, h2, h3, h4 {
  font-family: var(--font-serif);
  color: var(--navy);
  margin: 0 0 0.5em;
  font-weight: 600;
  letter-spacing: -0.01em;
}

h1 { font-size: 44px; line-height: 1.15; letter-spacing: -0.02em; }
h2 { font-size: 34px; line-height: 1.25; }
h3 { font-size: 21px; line-height: 1.3; }

p { margin: 0 0 1em; }

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

@media (max-width: 720px) {
  h1 { font-size: 32px; }
  h2 { font-size: 26px; }
  h3 { font-size: 19px; }
  body { font-size: 16px; }
}

/* ---------- Eyebrow ---------- */
.eyebrow {
  display: inline-block;
  font-family: var(--font-sans);
  font-weight: 700;
  font-size: 13px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 14px;
}
.eyebrow.on-dark { color: var(--gold); }

/* ---------- Utility bar ---------- */
.utility-bar {
  background: var(--navy);
  color: var(--warm-white);
  font-size: 13px;
}
.utility-bar .container {
  display: flex;
  justify-content: flex-end;
  gap: 28px;
  padding-top: 8px;
  padding-bottom: 8px;
}
.utility-bar a {
  color: var(--warm-white);
  opacity: 0.9;
}
.utility-bar a:hover { opacity: 1; text-decoration: underline; }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--white);
  border-bottom: 1px solid var(--border);
}
.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 0;
  gap: 24px;
}
.logo {
  display: flex;
  align-items: center;
  white-space: nowrap;
}
.logo img { height: 56px; width: auto; }
.logo span { color: var(--gold); }

.main-nav { display: flex; align-items: center; gap: 6px; flex: 1; justify-content: center; }
.main-nav > ul { list-style: none; display: flex; gap: 4px; margin: 0; padding: 0; }
.main-nav > ul > li { position: relative; }
.main-nav > ul > li > a {
  display: block;
  padding: 10px 14px;
  font-size: 15px;
  font-weight: 500;
  color: var(--navy);
  border-radius: 4px;
  transition: color 0.15s ease, background 0.15s ease;
}
.main-nav > ul > li > a:hover { color: var(--blue); background: var(--warm-white); }

.dropdown { position: relative; }
.dropdown-menu {
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 260px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-card-hover);
  padding: 10px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(6px);
  transition: opacity 0.15s ease, transform 0.15s ease, visibility 0.15s;
}
.dropdown:hover .dropdown-menu,
.dropdown:focus-within .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown-menu a {
  display: block;
  padding: 9px 12px;
  border-radius: 4px;
  font-size: 14.5px;
  color: var(--charcoal);
}
.dropdown-menu a:hover { background: var(--warm-white); color: var(--blue); }

.nav-cta { flex-shrink: 0; }

.nav-toggle {
  display: none;
  background: none;
  border: 1px solid var(--border);
  border-radius: 4px;
  padding: 8px 10px;
  font-size: 20px;
  color: var(--navy);
}

@media (max-width: 980px) {
  .main-nav { display: none; }
  .nav-toggle { display: inline-block; }
  .nav-wrap { flex-wrap: wrap; }
  body.nav-open .main-nav {
    display: block;
    width: 100%;
    order: 3;
  }
  body.nav-open .main-nav > ul { flex-direction: column; gap: 0; }
  body.nav-open .dropdown-menu {
    position: static;
    opacity: 1; visibility: visible; transform: none;
    box-shadow: none; border: none; padding: 0 0 0 16px; display: none;
  }
  body.nav-open .dropdown.open .dropdown-menu { display: block; }
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: 15px;
  padding: 14px 28px;
  border-radius: 4px;
  border: 1px solid transparent;
  cursor: pointer;
  transition: background-color 0.2s ease, transform 0.2s ease, color 0.2s ease, border-color 0.2s ease;
}
.btn-primary { background: var(--gold); color: var(--navy); }
.btn-primary:hover { background: var(--gold-hover); transform: translateY(-1px); }

.btn-secondary { background: transparent; border-color: var(--navy); color: var(--navy); }
.btn-secondary:hover { background: var(--navy); color: var(--white); }

.btn-outline-inverted { background: transparent; border-color: rgba(255,255,255,0.7); color: var(--white); }
.btn-outline-inverted:hover { background: var(--white); color: var(--navy); }

.cta-row { display: flex; flex-wrap: wrap; gap: 14px; margin: 28px 0 4px; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background: var(--navy);
  color: var(--white);
  overflow: hidden;
}
.hero-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(115deg, rgba(28,26,26,0.94) 0%, rgba(28,26,26,0.82) 45%, rgba(28,26,26,0.55) 100%);
}
.hero-inner {
  position: relative;
  padding: 108px 0 96px;
  max-width: 760px;
}
.hero-inner.narrow { max-width: 680px; padding: 78px 0 72px; }
.hero h1 { color: var(--white); }
.hero p.lede { color: var(--warm-white); font-size: 19px; max-width: 620px; }

.page-hero { padding: 64px 0 56px; }

/* ---------- Sections ---------- */
section { padding: 72px 0; }
.bg-warm { background: var(--warm-white); }
.bg-navy { background: var(--navy); color: var(--white); }
.bg-navy h2 { color: var(--white); }
.bg-navy p { color: var(--warm-white); }
.bg-white { background: var(--white); }

.section-head { max-width: 720px; margin-bottom: 44px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }

/* ---------- Grid / Cards ---------- */
.grid { display: grid; gap: 28px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px) {
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 620px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
}

.card {
  background: var(--white);
  border: 1px solid var(--card-border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-card);
  padding: 30px 26px;
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
  border-top: 3px solid transparent;
}
.card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-card-hover);
  border-top-color: var(--gold);
}
.card h3 { margin-bottom: 10px; }
.card p:last-child { margin-bottom: 0; }
.card .card-num {
  font-family: var(--font-serif);
  font-size: 28px;
  color: var(--gold);
  margin-bottom: 10px;
  display: block;
}

.card-img {
  border-radius: var(--radius);
  overflow: hidden;
  margin-bottom: 18px;
  aspect-ratio: 4 / 3;
}
.card-img img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.4s ease; }
.card:hover .card-img img { transform: scale(1.03); }

/* ---------- Split layout ---------- */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}
@media (max-width: 860px) {
  .split { grid-template-columns: 1fr; gap: 32px; }
}
.split img { border-radius: var(--radius); width: 100%; height: 100%; object-fit: cover; }
.split-media { aspect-ratio: 4/5; overflow: hidden; border-radius: var(--radius); }
.split-media img { aspect-ratio: 4/5; }

/* ---------- Stats band ---------- */
.stats-band { background: var(--warm-white); }
.stats-band .grid { text-align: center; }
.stat-num {
  font-family: var(--font-serif);
  font-size: 44px;
  color: var(--navy);
  margin-bottom: 6px;
}
.stat-label {
  font-size: 12px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--blue);
  font-weight: 600;
}

/* ---------- Steps list ---------- */
.steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 22px; }
.step {
  display: grid;
  grid-template-columns: 56px 1fr;
  gap: 20px;
  align-items: flex-start;
  padding: 22px 0;
  border-bottom: 1px solid var(--border);
}
.step:last-child { border-bottom: none; }
.step-num {
  font-family: var(--font-serif);
  font-size: 24px;
  color: var(--gold);
  border: 1px solid var(--gold);
  border-radius: 50%;
  width: 48px; height: 48px;
  display: flex; align-items: center; justify-content: center;
}
.step h3 { margin-bottom: 6px; }
.step p { margin: 0; color: var(--charcoal); }

/* ---------- FAQ ---------- */
.faq-item { border-bottom: 1px solid var(--border); padding: 22px 0; }
.faq-item h3 { margin-bottom: 8px; color: var(--navy); font-size: 19px; }
.faq-item p { margin: 0; }

/* ---------- Pull quote / callout ---------- */
.callout {
  border-left: 3px solid var(--gold);
  padding: 4px 0 4px 24px;
  font-family: var(--font-serif);
  font-size: 22px;
  color: var(--navy);
  line-height: 1.4;
  margin: 32px 0;
}

/* ---------- Todo / compliance pending badge ---------- */
.todo {
  display: block;
  margin: 14px 0;
  padding: 12px 16px;
  background: #fbf4e6;
  border: 1px dashed var(--gold);
  border-radius: 4px;
  color: #7a5a1e;
  font-size: 13.5px;
  font-family: var(--font-sans);
  line-height: 1.5;
}
.todo strong { color: #5c4415; }

/* ---------- Final CTA band ---------- */
.final-cta {
  background: var(--navy);
  color: var(--white);
  text-align: center;
  padding: 88px 0;
}
.final-cta h2 { color: var(--white); max-width: 720px; margin: 0 auto 18px; }
.final-cta p { color: var(--warm-white); max-width: 560px; margin: 0 auto 8px; }
.final-cta .cta-row { justify-content: center; }

/* ---------- Office / contact cards ---------- */
.office-card {
  background: var(--white);
  border: 1px solid var(--card-border);
  border-radius: var(--radius);
  padding: 28px;
}
.office-card dl { margin: 18px 0 0; }
.office-card dt { font-size: 12px; text-transform: uppercase; letter-spacing: 0.08em; color: var(--blue); font-weight: 600; margin-top: 14px; }
.office-card dd { margin: 2px 0 0; font-size: 16px; }

/* ---------- Form ---------- */
.form-grid { display: grid; gap: 18px; grid-template-columns: 1fr 1fr; }
.form-grid .full { grid-column: 1 / -1; }
@media (max-width: 640px) { .form-grid { grid-template-columns: 1fr; } }
label { display: block; font-size: 13px; font-weight: 600; color: var(--navy); margin-bottom: 6px; }
input, select, textarea {
  width: 100%;
  font-family: var(--font-sans);
  font-size: 15px;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: 4px;
  color: var(--charcoal);
  background: var(--white);
}
textarea { resize: vertical; min-height: 110px; }
input:focus, select:focus, textarea:focus { outline: 2px solid var(--blue); outline-offset: 1px; }
.form-note { font-size: 13.5px; color: var(--blue); margin-top: 4px; }

/* ---------- Breadcrumb-ish page kicker ---------- */
.kicker-link { font-size: 14px; color: var(--blue); font-weight: 600; }

/* ---------- List with icon-ish markers ---------- */
.check-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 14px; }
.check-list li {
  padding-left: 28px;
  position: relative;
}
.check-list li::before {
  content: "";
  position: absolute;
  left: 0; top: 8px;
  width: 9px; height: 9px;
  border-radius: 50%;
  background: var(--gold);
}

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: var(--warm-white); padding-top: 64px; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.14);
}
@media (max-width: 860px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 560px) {
  .footer-grid { grid-template-columns: 1fr; }
}
.footer-grid h4 {
  color: var(--gold);
  font-family: var(--font-sans);
  font-size: 13px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.footer-grid ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.footer-grid a { color: var(--warm-white); opacity: 0.85; font-size: 14.5px; }
.footer-grid a:hover { opacity: 1; text-decoration: underline; }
.footer-logo { font-family: var(--font-serif); font-size: 22px; color: var(--white); margin-bottom: 12px; }
.footer-logo span { color: var(--gold); }
.footer-tagline { opacity: 0.8; font-size: 14.5px; max-width: 280px; }

.footer-legal { padding: 28px 0 40px; font-size: 12.5px; line-height: 1.7; opacity: 0.75; }
.footer-legal p { margin: 0 0 12px; }
.footer-bottom {
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px;
  padding: 20px 0 28px;
  border-top: 1px solid rgba(255,255,255,0.1);
  font-size: 13px;
  opacity: 0.7;
}

/* ---------- Misc ---------- */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.narrow-col { max-width: 760px; }
.skip-link {
  position: absolute; left: -9999px; top: 0;
  background: var(--gold); color: var(--navy); padding: 10px 16px; z-index: 100;
}
.skip-link:focus { left: 16px; top: 16px; }