/* ══════════════════════════════════════════════
   BFG GLOBAL — shared across all pages
   Palette: navy + blue-soft (no black/gold)
   ══════════════════════════════════════════════ */

:root {
  --navy:      #0c1e3a;
  --navy-2:    #132a52;
  --navy-3:    #1d3769;
  --navy-4:    #0a1828;
  --soft:      #b0b1d1;
  --soft-2:    #d9daea;
  --white:     #ffffff;
  --off-white: #f5f6fb;
  --ink:       #101827;
  --muted:     rgba(255,255,255,0.62);
  --muted-ink: rgba(16,24,39,0.68);
  --border:    rgba(255,255,255,0.10);
  --border-2:  rgba(176,177,209,0.22);
  --shadow:    0 18px 55px rgba(12,30,58,.22);
  --display:   'Cormorant Garamond', Georgia, serif;
  --body:      'Inter', Arial, sans-serif;
  --max:       1320px;
  --pad:       clamp(24px, 5vw, 80px);
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body { font-family: var(--body); background: var(--navy); color: var(--white); overflow-x: hidden; font-size: 16px; line-height: 1.7; }
img, video, iframe { max-width: 100%; height: auto; display: block; border: none; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { font-family: var(--body); cursor: pointer; border: none; background: none; }

::-webkit-scrollbar { width: 3px; }
::-webkit-scrollbar-track { background: var(--navy-4); }
::-webkit-scrollbar-thumb { background: var(--soft); }

/* ── Layout ── */
.wrap { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 var(--pad); }
.section { padding: clamp(60px, 8vw, 110px) 0; position: relative; }
.section--navy  { background: var(--navy);   color: var(--white); }
.section--deep  { background: var(--navy-4); color: var(--white); }
.section--mid   { background: var(--navy-2); color: var(--white); }
.section--light { background: var(--off-white); color: var(--ink); }
.section--soft  { background: var(--soft);   color: var(--navy); }

/* ── Grids ── */
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px,6vw,80px); align-items: center; }
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: 20px; }

/* ── Eyebrow ── */
.eyebrow-row { display: flex; align-items: center; gap: 1.25rem; margin-bottom: 1.75rem; }
.eyebrow-line { width: 2.5rem; height: 1px; background: var(--soft); opacity: .7; flex-shrink: 0; }
.eyebrow { font-size: 0.68rem; font-weight: 700; letter-spacing: 0.28em; text-transform: uppercase; color: var(--soft); }
.eyebrow--ink { color: var(--navy-2); }
.eyebrow-line--ink { background: var(--navy-2); }

/* ── Display headings ── */
.display { font-family: var(--display); font-weight: 600; line-height: 1.03; letter-spacing: -0.01em; color: var(--white); }
.display em { font-style: italic; color: var(--soft); }
.display--xl  { font-size: clamp(3.2rem, 6.5vw, 6.5rem); }
.display--lg  { font-size: clamp(2.4rem, 4.2vw, 4.5rem); }
.display--md  { font-size: clamp(2rem, 3.5vw, 3.6rem); }
.display--sm  { font-size: clamp(1.6rem, 2.5vw, 2.4rem); }
.display--ink { color: var(--ink); }
.display--ink em { color: var(--navy-2); }
.display--navy { color: var(--navy); }

/* ── Body text ── */
.body-text { font-size: 1rem; font-weight: 300; line-height: 1.85; color: var(--muted); max-width: 600px; }
.body-text + .body-text { margin-top: 1rem; }
.body-text--ink { color: var(--muted-ink); }
.body-text--wide { max-width: 800px; }

/* ── Buttons ── */
.btn { display: inline-flex; align-items: center; justify-content: center; padding: 1rem 2.4rem; min-height: 48px; font-size: 0.73rem; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; border: 2px solid transparent; transition: .2s ease; cursor: pointer; white-space: nowrap; }
.btn--primary { background: var(--soft); color: var(--navy); border-color: var(--soft); }
.btn--primary:hover { background: var(--soft-2); border-color: var(--soft-2); }
.btn--ghost { background: transparent; color: var(--white); border-color: rgba(255,255,255,.4); }
.btn--ghost:hover { border-color: var(--soft); color: var(--soft); }
.btn--dark { background: var(--navy-2); color: var(--white); border-color: var(--navy-2); }
.btn--dark:hover { background: var(--navy-3); border-color: var(--navy-3); }
.btn--navy { background: var(--navy); color: var(--white); border-color: var(--navy); }
.btn--navy:hover { background: var(--navy-2); }
.btn-row { display: flex; gap: 1rem; flex-wrap: wrap; align-items: center; margin-top: 2rem; }

/* ── Arrow link ── */
.arrow-link { display: inline-flex; align-items: center; gap: .7rem; color: var(--soft); font-size: 0.73rem; font-weight: 600; letter-spacing: 0.15em; text-transform: uppercase; margin-top: 2rem; transition: gap .2s; }
.arrow-link::after { content: '→'; }
.arrow-link:hover { gap: 1.2rem; }
.arrow-link--ink { color: var(--navy-2); }

/* ── Page Hero (interior pages) ── */
.page-hero {
  min-height: 52vh;
  display: flex; align-items: flex-end;
  position: relative; overflow: hidden;
  background: var(--navy-4);
  padding-bottom: 5rem;
}
.page-hero-bg {
  position: absolute; inset: 0;
  background-size: cover; background-position: center;
  filter: brightness(.35) saturate(.6);
}
.page-hero-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(to top, rgba(10,24,40,.97) 0%, rgba(12,30,58,.5) 60%, rgba(19,42,82,.25) 100%);
}
.page-hero-content { position: relative; z-index: 2; }
.page-hero-content .eyebrow { margin-bottom: 1rem; display: block; }
.page-hero h1 { font-family: var(--display); font-size: clamp(2.8rem,5.5vw,5.5rem); font-weight: 700; line-height: .97; letter-spacing: -.02em; color: var(--white); margin-bottom: 1.5rem; }
.page-hero h1 em { font-style: italic; color: var(--soft); }
.page-hero-sub { font-size: 1.05rem; font-weight: 300; line-height: 1.8; color: rgba(255,255,255,.72); max-width: 620px; }

/* ── Cards ── */
.card { background: var(--navy-2); border: 1px solid var(--border-2); border-radius: 4px; padding: clamp(24px,3vw,40px); }
.card--light { background: var(--white); border-color: rgba(19,42,82,.12); color: var(--ink); }
.card h3 { font-family: var(--display); font-size: clamp(1.5rem,2.5vw,2rem); color: var(--white); margin-bottom: .75rem; line-height: 1.1; }
.card--light h3 { color: var(--navy); }
.card p { font-size: .9rem; color: var(--muted); line-height: 1.8; }
.card--light p { color: var(--muted-ink); }

/* ── Check list ── */
.check-list { display: flex; flex-direction: column; gap: .75rem; margin-top: 1.5rem; }
.check-list li { display: flex; gap: .85rem; align-items: flex-start; font-size: .92rem; color: var(--muted); line-height: 1.65; }
.check-list li::before { content: '✓'; color: var(--soft); font-weight: 900; flex-shrink: 0; margin-top: .05rem; }
.check-list--ink li { color: var(--muted-ink); }
.check-list--ink li::before { color: var(--navy-2); }

/* ── Step number badge ── */
.step-num { display: inline-flex; align-items: center; justify-content: center; width: 36px; height: 36px; background: var(--soft); color: var(--navy); font-size: .75rem; font-weight: 800; flex-shrink: 0; }

/* ── Stat item ── */
.stat-n { font-family: var(--display); font-size: 2.8rem; font-weight: 700; color: var(--navy); line-height: 1; }
.stat-l { font-size: .68rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: rgba(19,42,82,.62); }

/* ── Dividers ── */
.divider { height: 1px; background: var(--border); margin: 0; }

/* ════════════════════════════════════════
   NAV
════════════════════════════════════════ */
#bfg-nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 500;
  display: flex; align-items: center; justify-content: space-between;
  padding: 1.4rem var(--pad);
  transition: background .35s, padding .25s, border-color .35s;
  border-bottom: 1px solid transparent;
}
#bfg-nav.scrolled {
  background: rgba(10,24,40,.97);
  backdrop-filter: blur(12px);
  padding: .9rem var(--pad);
  border-bottom-color: var(--border);
}
.nav-logo img { height: 48px; width: auto; object-fit: contain; display: block; }
.nav-links { display: flex; gap: .2rem; align-items: center; }
.nav-links a {
  display: inline-flex; align-items: center; min-height: 40px;
  padding: 8px 13px; color: rgba(255,255,255,.78);
  font-size: 0.71rem; font-weight: 600;
  letter-spacing: 0.14em; text-transform: uppercase;
  border-radius: 3px; transition: .15s ease;
  white-space: nowrap;
}
.nav-links a:hover, .nav-links a.active { color: var(--white); background: rgba(176,177,209,.12); }
.nav-links a.nav-portal {
  background: var(--soft); color: var(--navy);
  margin-left: .5rem; padding: .65rem 1.4rem; border-radius: 3px;
  font-weight: 800;
}
.nav-links a.nav-portal:hover { background: var(--soft-2); }
.nav-toggle { display: none; flex-direction: column; justify-content: center; align-items: center; width: 44px; height: 44px; gap: 5px; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--white); border-radius: 2px; transition: .2s; }
body.nav-open .nav-toggle span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
body.nav-open .nav-toggle span:nth-child(2) { opacity: 0; }
body.nav-open .nav-toggle span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.nav-mobile {
  display: none; position: fixed; top: 70px; left: 0; right: 0; bottom: 0;
  background: var(--navy-4); z-index: 499; flex-direction: column;
  padding: 1.5rem var(--pad); gap: .25rem; overflow-y: auto;
  border-top: 1px solid var(--border);
}
body.nav-open .nav-mobile { display: flex; }
.nav-mobile a { display: block; padding: .9rem 0; color: rgba(255,255,255,.8); font-size: .95rem; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; border-bottom: 1px solid var(--border); }
.nav-mobile a:hover { color: var(--soft); }
.nav-mobile a.nav-portal { color: var(--soft); border-bottom: none; margin-top: .75rem; }

/* ════════════════════════════════════════
   FOOTER
════════════════════════════════════════ */
#bfg-footer { background: var(--navy-4); padding: 5rem var(--pad) 2rem; border-top: 1px solid var(--border); }
.footer-grid { display: grid; grid-template-columns: 1.7fr 1fr 1fr 1fr; gap: 4rem; padding-bottom: 3rem; border-bottom: 1px solid var(--border); margin-bottom: 2rem; }
.footer-logo img { height: 46px; width: auto; filter: brightness(0) invert(1); opacity: .85; margin-bottom: 1.25rem; }
.footer-desc { font-size: .82rem; color: rgba(255,255,255,.48); line-height: 1.75; max-width: 300px; }
.footer-brokercheck { margin-top: 1.5rem; display: inline-block; }
.footer-brokercheck img { height: 52px; width: auto; border-radius: 3px; opacity: .9; transition: opacity .2s; }
.footer-brokercheck:hover img { opacity: 1; }
.footer-disclosure { font-size: .64rem; color: rgba(255,255,255,.26); line-height: 1.7; margin-top: 1.25rem; max-width: 300px; }
#bfg-footer h4 { font-size: .61rem; letter-spacing: .24em; text-transform: uppercase; color: var(--soft); margin-bottom: 1.25rem; opacity: .85; }
#bfg-footer ul { display: flex; flex-direction: column; gap: .65rem; }
#bfg-footer ul a { color: rgba(255,255,255,.48); font-size: .82rem; transition: color .2s; }
#bfg-footer ul a:hover { color: var(--white); }
.footer-bottom { display: flex; justify-content: space-between; align-items: center; font-size: .72rem; color: rgba(255,255,255,.28); flex-wrap: wrap; gap: .5rem; }
.footer-bottom a { color: rgba(255,255,255,.35); transition: color .2s; }
.footer-bottom a:hover { color: var(--white); }

/* ════════════════════════════════════════
   FINAL CTA STRIP (reused across pages)
════════════════════════════════════════ */
.cta-strip { background: var(--soft); padding: 5rem var(--pad); text-align: center; }
.cta-strip h2 { font-family: var(--display); font-size: clamp(2rem,4vw,3.8rem); font-weight: 700; color: var(--navy); line-height: 1.05; margin-bottom: 1rem; }
.cta-strip p { font-size: 1rem; color: rgba(19,42,82,.72); max-width: 620px; margin: 0 auto 2rem; line-height: 1.8; }
.cta-strip .btn-row { justify-content: center; }

/* ════════════════════════════════════════
   VIDEO
════════════════════════════════════════ */
.video-wrap { width: 100%; aspect-ratio: 16/9; background: var(--navy-4); border: 1px solid var(--border-2); overflow: hidden; position: relative; }
.video-wrap iframe, .video-wrap video { width: 100%; height: 100%; position: absolute; inset: 0; }
.video-placeholder { width: 100%; height: 100%; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 1rem; background: linear-gradient(135deg, var(--navy-4) 0%, var(--navy-2) 100%); }
.play-icon { width: 64px; height: 64px; border-radius: 50%; background: rgba(176,177,209,.15); border: 2px solid rgba(176,177,209,.35); display: flex; align-items: center; justify-content: center; }
.play-icon::after { content: '▶'; color: var(--soft); font-size: 1.1rem; margin-left: 4px; }
.video-placeholder span { font-size: .7rem; letter-spacing: .15em; text-transform: uppercase; color: var(--soft); opacity: .7; }

/* ════════════════════════════════════════
   RESPONSIVE
════════════════════════════════════════ */
@media (max-width: 1100px) {
  .nav-links { display: none; }
  .nav-toggle { display: flex; }
  .grid-4 { grid-template-columns: repeat(2,1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2.5rem; }
}
@media (max-width: 800px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .page-hero { min-height: 44vh; }
}
@media (max-width: 500px) {
  .btn-row { flex-direction: column; align-items: stretch; }
  .btn { width: 100%; }
}