/* ==========================================================================
   WFR Capital — shared stylesheet
   Palette: Navy & White · Refined, institutional aesthetic
   ========================================================================== */

:root {
  --navy: #0b1f3a;
  --navy-deep: #07142a;
  --navy-soft: #14315a;
  --navy-line: #1d3a63;
  --accent: #b9925a;          /* muted brushed-gold */
  --accent-soft: #d8b888;
  --white: #ffffff;
  --off-white: #f7f9fc;
  --paper: #fbfcfe;
  --ink: #16263f;
  --gray: #5a6678;
  --gray-light: #8a93a3;
  --line: #e6ebf2;
  --max: 1140px;
  --radius: 4px;
  --shadow-sm: 0 2px 14px rgba(11, 31, 58, 0.06);
  --shadow: 0 22px 60px rgba(7, 20, 42, 0.16);
  --sans: "Inter", "Segoe UI", -apple-system, BlinkMacSystemFont, Arial, sans-serif;
  --serif: "Playfair Display", "Georgia", "Times New Roman", serif;
  --logo: "Seaford", "Constantia", "Cambria", "Georgia", serif;
  --ease: cubic-bezier(.22,.61,.36,1);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  font-family: var(--sans);
  color: var(--ink);
  background: var(--white);
  line-height: 1.7;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

h1, h2, h3 { font-family: var(--serif); font-weight: 600; color: var(--navy); margin: 0 0 .5em; line-height: 1.18; }
h1 { font-size: clamp(2.5rem, 5.2vw, 4rem); letter-spacing: -0.01em; font-weight: 700; }
h2 { font-size: clamp(1.9rem, 3.4vw, 2.7rem); }
h3 { font-size: 1.3rem; font-weight: 600; }
p  { margin: 0 0 1.15em; }
a  { color: var(--navy); text-decoration: none; }

.container { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 28px; }
.section { padding: 104px 0; }
.section--tint { background: var(--off-white); }
.narrow { max-width: 720px; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 12px;
  text-transform: uppercase; letter-spacing: 0.26em;
  font-size: 0.72rem; font-weight: 600; font-family: var(--sans);
  color: var(--accent); margin-bottom: 22px;
}
.eyebrow::before { content: ""; width: 32px; height: 1px; background: var(--accent); display: inline-block; }
.lede { font-size: 1.2rem; color: var(--gray); max-width: 680px; font-weight: 400; }
.rule { width: 56px; height: 2px; background: var(--accent); border: none; margin: 0 0 30px; }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(7, 20, 42, 0.85);
  backdrop-filter: saturate(150%) blur(10px);
  -webkit-backdrop-filter: saturate(150%) blur(10px);
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 80px; }
.brand { display: flex; align-items: center; gap: 11px; }
.brand__box {
  display: inline-flex; align-items: center; justify-content: center;
  background: var(--navy); color: var(--white);
  font-family: var(--logo); font-weight: 700;
  font-size: 1.32rem; letter-spacing: 0.18em; text-indent: 0.18em; line-height: 1;
  padding: 7px 7px 8px; border: 2px solid rgba(255,255,255,0.65);
  border-radius: 2px;
}
.brand__word {
  color: var(--white); font-family: var(--logo); font-weight: 400;
  font-size: 1.32rem; letter-spacing: 0.1em; text-transform: uppercase;
}
.nav__links { display: flex; align-items: center; gap: 38px; }
.nav__links a {
  color: rgba(255,255,255,0.78); font-weight: 500; font-size: 0.86rem;
  letter-spacing: 0.08em; text-transform: uppercase; transition: color .25s var(--ease);
  position: relative; padding: 6px 0;
}
.nav__links a:hover { color: var(--white); }
.nav__links a.is-active { color: var(--white); }
.nav__links a.is-active::after {
  content: ""; position: absolute; left: 0; bottom: -2px; width: 100%; height: 1px; background: var(--accent);
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 15px 32px; border-radius: var(--radius);
  font-weight: 600; font-size: 0.82rem; letter-spacing: 0.1em; text-transform: uppercase;
  font-family: var(--sans); cursor: pointer;
  transition: transform .25s var(--ease), box-shadow .25s var(--ease), background .25s, color .25s, border-color .25s;
  border: 1px solid transparent;
}
.btn--primary { background: var(--accent); color: var(--navy-deep); }
.btn--primary:hover { background: var(--accent-soft); transform: translateY(-2px); box-shadow: 0 14px 30px rgba(185,146,90,.32); }
.btn--ghost { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.45); }
.btn--ghost:hover { background: rgba(255,255,255,0.08); border-color: var(--white); transform: translateY(-2px); }
.btn--navy { background: var(--navy); color: var(--white); }
.btn--navy:hover { background: var(--navy-soft); transform: translateY(-2px); box-shadow: var(--shadow-sm); }
.btn--outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn--outline:hover { background: var(--navy); color: var(--white); transform: translateY(-2px); }

/* ---------- Hero (bridge) ---------- */
.hero {
  position: relative; min-height: 92vh;
  display: flex; align-items: center; color: var(--white);
  background:
    linear-gradient(180deg, rgba(7,20,42,0.78) 0%, rgba(7,20,42,0.55) 42%, rgba(7,20,42,0.92) 100%),
    url("https://images.unsplash.com/photo-1501594907352-04cda38ebc29?auto=format&fit=crop&w=2400&q=80")
      center / cover no-repeat fixed;
  background-color: var(--navy-deep);
}
.hero__inner { max-width: 780px; padding: 100px 0; animation: rise .9s var(--ease) both; }
.hero h1 { color: var(--white); margin-bottom: .35em; }
.hero p { color: rgba(255,255,255,0.88); font-size: 1.28rem; max-width: 620px; font-weight: 300; }
.hero .eyebrow { color: var(--accent-soft); }
.hero .eyebrow::before { background: var(--accent-soft); }
.hero__actions { display: flex; gap: 18px; flex-wrap: wrap; margin-top: 38px; }
@keyframes rise { from { opacity: 0; transform: translateY(22px); } to { opacity: 1; transform: none; } }

/* ---------- Stats band ---------- */
.stats { background: var(--navy); color: var(--white); border-top: 1px solid var(--navy-line); }
.stats .container { padding-top: 60px; padding-bottom: 60px; }
.stat-grid { display: grid; grid-template-columns: repeat(3, 1fr); }
.stat { text-align: center; padding: 14px 24px; position: relative; }
.stat + .stat::before { content: ""; position: absolute; left: 0; top: 18%; height: 64%; width: 1px; background: rgba(255,255,255,0.12); }
.stat__value { font-family: var(--serif); font-size: clamp(2.2rem,4vw,3rem); font-weight: 600; color: var(--accent-soft); line-height: 1; margin-bottom: 10px; }
.stat__label { color: rgba(255,255,255,0.7); font-size: 0.78rem; letter-spacing: .14em; text-transform: uppercase; }

/* ---------- Cards / grid ---------- */
.grid { display: grid; gap: 0; }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--2 { grid-template-columns: repeat(2, 1fr); gap: 28px; }
.cards { display: grid; gap: 1px; background: var(--line); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
.cards.grid--3 { grid-template-columns: repeat(3, 1fr); }
.card {
  background: var(--white); padding: 42px 36px;
  transition: background .3s var(--ease), transform .3s var(--ease);
}
.card:hover { background: var(--paper); }
.card__num { font-family: var(--serif); color: var(--accent); font-size: 1.1rem; font-weight: 600; letter-spacing: .1em; }
.card h3 { margin-top: 14px; margin-bottom: 12px; }
.card p { color: var(--gray); margin-bottom: 0; font-size: 0.98rem; }

/* free-standing cards (criteria) */
.tile {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 34px; transition: transform .3s var(--ease), box-shadow .3s var(--ease), border-color .3s;
  border-top: 2px solid var(--accent);
}
.tile:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.tile h3 { margin-bottom: 8px; }
.tile p { color: var(--gray); margin: 0; font-size: 0.98rem; }

/* ---------- Split section ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; }
.split__media {
  border-radius: var(--radius); min-height: 440px; align-self: stretch;
  background:
    linear-gradient(150deg, rgba(7,20,42,0.15), rgba(7,20,42,0.5)),
    url("https://images.unsplash.com/photo-1501594907352-04cda38ebc29?auto=format&fit=crop&w=1600&q=80")
      center / cover no-repeat;
  background-color: var(--navy-