/* Y Invest — site styles */
:root {
  --charcoal: #1c2526;
  --navy: #1a3c5e;
  --ink: #1c2526;
  --body: #5a6c7d;
  --muted: #5a6c7d;
  --accent: #386ba1;       /* primary blue */
  --accent-light: #a8b5c3; /* light blue-grey, for text on dark */
  --bg: #ffffff;
  --bg-soft: #f8f9fa;
  --border: #dfe4e9;
  --max: 1080px;
  --radius: 10px;
}
* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Source Sans 3', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--body);
  background: var(--bg);
  line-height: 1.65;
  font-size: 17px;
}
h1, h2, h3, h4 {
  font-family: 'Fraunces', Georgia, serif;
  color: var(--ink);
  line-height: 1.2;
  font-weight: 600;
}
h1 { font-size: clamp(2rem, 4.5vw, 3.1rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); margin-bottom: .75rem; }
h3 { font-size: 1.25rem; margin-bottom: .5rem; }
p + p { margin-top: 1em; }
a { color: var(--accent); }
.container { max-width: var(--max); margin: 0 auto; padding: 0 24px; }

/* Header */
header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.95); backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 72px; }
.logo { display: inline-flex; align-items: center; }
.logo img { height: 44px; width: auto; display: block; }
footer .logo img { height: 40px; filter: brightness(0) invert(1); opacity: .9; }
.nav-links { display: flex; gap: 26px; align-items: center; list-style: none; }
.nav-links a { color: var(--ink); text-decoration: none; font-size: .95rem; font-weight: 500; }
.nav-links a:hover { color: var(--accent); }

/* Mobile menu (CSS-only) */
.menu-toggle { display: none; }
.menu-btn {
  display: none; cursor: pointer; padding: 8px; margin-left: auto;
  flex-direction: column; gap: 5px; border: 0; background: none;
}
.menu-btn span { display: block; width: 24px; height: 2.5px; background: var(--ink); border-radius: 2px; transition: all .2s; }

/* Buttons */
.btn {
  display: inline-block; padding: 13px 26px; border-radius: 6px;
  font-weight: 600; text-decoration: none; font-size: 1rem;
  transition: all .15s ease; border: 1.5px solid transparent; cursor: pointer;
}
.btn-primary { background: var(--accent); color: #fff; }
.btn-primary:hover { background: var(--navy); color: #fff; }
.btn-outline { border-color: rgba(255,255,255,.5); color: #fff; }
.btn-outline:hover { border-color: #fff; background: rgba(255,255,255,.08); }
.btn-dark { background: var(--navy); color: #fff; }
.btn-dark:hover { background: var(--charcoal); }
.btn-sm { padding: 9px 18px; font-size: .9rem; }

/* Hero */
.hero { background: linear-gradient(160deg, var(--charcoal) 0%, var(--navy) 100%); color: var(--accent-light); padding: 90px 0 80px; }
.hero .container { max-width: 880px; }
.hero h1 { color: #fff; margin-bottom: 1.1rem; }
.hero h1 em { font-style: normal; color: var(--accent-light); }
.hero .sub { font-size: 1.2rem; max-width: 660px; margin-bottom: 2rem; color: var(--accent-light); }
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 1.4rem; }
.hero .note { font-size: .92rem; color: var(--accent-light); opacity: .8; }
.eyebrow {
  display: inline-block; font-size: .8rem; font-weight: 700; letter-spacing: .12em;
  text-transform: uppercase; color: var(--accent-light); margin-bottom: 1rem;
}

/* Stats bar */
.stats { background: var(--bg-soft); border-bottom: 1px solid var(--border); }
.stats .container { display: flex; flex-wrap: wrap; gap: 8px 40px; justify-content: center; padding: 22px 24px; }
.stat { text-align: center; }
.stat b { display: block; font-family: 'Fraunces', Georgia, serif; font-size: 1.4rem; color: var(--navy); }
.stat span { font-size: .85rem; color: var(--muted); }

/* Sections */
section { padding: 72px 0; }
section.soft { background: var(--bg-soft); }
.section-intro { max-width: 680px; margin-bottom: 2.4rem; }
.grid { display: grid; gap: 26px; }
.grid-3 { grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.grid-2 { grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); }
.card {
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius);
  padding: 28px;
}
.card .num {
  display: inline-flex; width: 38px; height: 38px; align-items: center; justify-content: center;
  background: var(--navy); color: #fff; border-radius: 50%;
  font-weight: 700; font-family: 'Fraunces', Georgia, serif; margin-bottom: 14px;
}
.card.featured { border-top: 4px solid var(--accent); }
.tag {
  display: inline-block; font-size: .78rem; font-weight: 700; letter-spacing: .08em;
  text-transform: uppercase; color: var(--accent); margin-bottom: .6rem;
}

/* Fee example */
.fee-box { background: var(--navy); color: var(--accent-light); border-radius: var(--radius); padding: 36px; }
.fee-box h3 { color: #fff; }
.fee-box b { color: #fff; }
.fee-box .big { font-family: 'Fraunces', Georgia, serif; font-size: 2.4rem; color: #fff; display: block; margin: 8px 0 2px; }
.fee-box small { color: var(--accent-light); }
.fee-box .checks li::before { color: var(--accent-light); }
table.fees { width: 100%; border-collapse: collapse; margin-top: 1rem; font-size: .95rem; }
table.fees th, table.fees td { text-align: left; padding: 10px 12px; border-bottom: 1px solid var(--border); }
table.fees th { color: var(--ink); font-weight: 600; background: var(--bg-soft); }

/* Checklist */
ul.checks { list-style: none; margin: 1rem 0; }
ul.checks li { padding-left: 30px; position: relative; margin-bottom: .7rem; }
ul.checks li::before { content: "✓"; position: absolute; left: 0; color: var(--accent); font-weight: 700; }

/* About */
.about-flex { display: flex; gap: 40px; align-items: flex-start; flex-wrap: wrap; }
.about-flex .bio { flex: 1 1 420px; }
.credentials { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 1.2rem; }
.badge {
  background: var(--bg-soft); border: 1px solid var(--border); border-radius: 6px;
  padding: 8px 14px; font-size: .85rem; font-weight: 600; color: var(--ink);
}
.cert-logos { display: flex; gap: 28px; align-items: center; flex-wrap: wrap; margin-top: 1.6rem; }
.cert-logos img { display: block; }
.cert-logos img[src*="badge-cfa"] { height: 110px; width: auto; }
.cert-logos img[src*="badge-cisi"] { height: 62px; width: auto; border-radius: 4px; }

/* FAQ */
details { border-bottom: 1px solid var(--border); padding: 18px 0; }
details summary { cursor: pointer; font-weight: 600; color: var(--ink); font-size: 1.05rem; list-style: none; position: relative; padding-right: 30px; }
details summary::after { content: "+"; position: absolute; right: 4px; color: var(--accent); font-size: 1.3rem; line-height: 1; }
details[open] summary::after { content: "–"; }
details p { margin-top: .8rem; }

/* CTA band */
.cta-band { background: linear-gradient(160deg, var(--charcoal), var(--navy)); color: var(--accent-light); text-align: center; }
.cta-band h2 { color: #fff; }
.cta-band .btn { margin-top: 1.4rem; }
.cta-band a { color: #fff; }

/* Guides */
.guide-cards .card h3 a { color: var(--ink); text-decoration: none; }
.guide-cards .card h3 a:hover { color: var(--accent); }
.article { max-width: 760px; margin: 0 auto; padding: 60px 24px; }
.article h1 { margin-bottom: .6rem; }
.article .meta { color: var(--muted); font-size: .9rem; margin-bottom: 2rem; }
.article h2 { margin-top: 2.2rem; }
.article h3 { margin-top: 1.6rem; }
.article ul, .article ol { margin: 1rem 0 1rem 1.4rem; }
.article li { margin-bottom: .5rem; }
.callout {
  background: var(--bg-soft); border-left: 4px solid var(--accent);
  border-radius: 0 8px 8px 0; padding: 22px 26px; margin: 2rem 0;
}
.callout h3 { margin-top: 0; }

/* Form */
.form-grid { display: grid; gap: 16px; max-width: 560px; }
.form-grid label { font-weight: 600; color: var(--ink); font-size: .92rem; display: block; margin-bottom: 5px; }
.form-grid input, .form-grid select, .form-grid textarea {
  width: 100%; padding: 12px 14px; border: 1px solid var(--border); border-radius: 6px;
  font: inherit; background: #fff;
}
.form-grid input:focus, .form-grid select:focus, .form-grid textarea:focus { outline: 2px solid var(--accent); border-color: var(--accent); }

/* Footer */
footer { background: var(--charcoal); color: var(--accent-light); padding: 54px 0 40px; font-size: .88rem; }
footer .cols { display: flex; gap: 40px; flex-wrap: wrap; justify-content: space-between; margin-bottom: 2rem; }
footer a { color: var(--accent-light); }
footer .disclaimer { border-top: 1px solid rgba(255,255,255,.12); padding-top: 1.4rem; line-height: 1.7; opacity: .85; }

@media (max-width: 860px) {
  .menu-btn { display: flex; }
  .nav-links {
    display: none; position: absolute; top: 72px; left: 0; right: 0;
    flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; border-bottom: 1px solid var(--border);
    box-shadow: 0 12px 24px rgba(28,37,38,.08); padding: 8px 0 16px;
  }
  .menu-toggle:checked ~ .nav-links { display: flex; }
  .nav-links li { padding: 0 24px; }
  .nav-links a:not(.btn) { display: block; padding: 12px 0; border-bottom: 1px solid var(--bg-soft); font-size: 1.05rem; }
  .nav-links .btn { display: block; text-align: center; margin-top: 12px; }
  .menu-toggle:checked ~ .menu-btn span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
  .menu-toggle:checked ~ .menu-btn span:nth-child(2) { opacity: 0; }
  .menu-toggle:checked ~ .menu-btn span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }
}

/* Sticky mobile CTA bar */
.mobile-cta { display: none; }

@media (max-width: 720px) {
  .mobile-cta {
    display: block; position: fixed; bottom: 0; left: 0; right: 0; z-index: 60;
    background: rgba(255,255,255,.97); backdrop-filter: blur(8px);
    border-top: 1px solid var(--border);
    padding: 10px 16px calc(10px + env(safe-area-inset-bottom));
    box-shadow: 0 -6px 18px rgba(28,37,38,.07);
  }
  .mobile-cta .btn { display: block; width: 100%; text-align: center; }
  body { padding-bottom: 72px; }
  section { padding: 52px 0; }
  .hero { padding: 64px 0 56px; }
  .logo img { height: 36px; }
  .hero .sub { font-size: 1.08rem; }
  .hero-ctas .btn { width: 100%; text-align: center; }
  .stats .container { gap: 18px 28px; }
  .fee-box { padding: 28px 22px; }
  .table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; }
  table.fees { min-width: 480px; }
  .cert-logos img[src*="badge-cfa"] { height: 90px; }
  .cert-logos img[src*="badge-cisi"] { height: 52px; }
}