:root{
  --navy:#06182d;
  --navy2:#0b2340;
  --gold:#d2a21f;
  --cream:#f6f1e8;
  --soft:#f7f8fb;
  --text:#07182d;
  --muted:#59677a;
  --white:#fff;
  --line:#e5e0d6;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{font-family:Arial,Helvetica,sans-serif;color:var(--text);background:#fff;line-height:1.65}
a{text-decoration:none;color:inherit}

/* UPDATED WRAP */
.wrap{
  width:min(1440px, calc(100% - 80px));
  margin:0 auto;
}

header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.95);backdrop-filter:blur(10px);border-bottom:1px solid #eee5d8}
.header-inner{height:82px;display:flex;align-items:center;justify-content:space-between;gap:28px}
.brand{display:flex;align-items:center;gap:12px;font-size:19px;font-weight:800;color:#111;white-space:nowrap}
.brand svg,.footer-brand svg{width:31px;height:31px;flex:0 0 auto}
nav{display:flex;align-items:center;gap:30px;font-size:14px;font-weight:600;color:var(--navy)}
nav a{height:82px;display:flex;align-items:center;position:relative}
nav a.active:after,nav a:hover:after{content:"";position:absolute;left:0;right:0;bottom:18px;height:3px;background:var(--gold)}
.nav-btn{height:44px;padding:0 24px;background:var(--gold);color:var(--navy);border-radius:0;font-weight:800}
.nav-btn:after{display:none!important}

.hero{position:relative;min-height:760px;display:flex;align-items:center;overflow:hidden;background:var(--cream)}
.hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(6,24,45,.84),rgba(6,24,45,.55) 43%,rgba(6,24,45,.10)),url('assets/hero-finance.jpg');background-size:cover;background-position:center right}

.hero-content{
  position:relative;
  z-index:1;
  max-width:980px;
  color:#fff;
  padding:110px 0;
}

.eyebrow{color:var(--gold);font-size:15px;font-weight:900;text-transform:uppercase;letter-spacing:.08em;margin-bottom:20px}

h1{
  font-family:Georgia,'Times New Roman',serif;
  font-size:88px;
  line-height:0.96;
  margin:0 0 32px;
  letter-spacing:-3px;
  color:inherit;
  font-weight:700;
}

h1 span{display:block;color:var(--gold)}
.hero p{font-size:20px;max-width:760px;color:rgba(255,255,255,.86);margin:0 0 34px;line-height:1.75}
.actions{display:flex;gap:16px;flex-wrap:wrap}
.btn{height:48px;padding:0 28px;display:inline-flex;align-items:center;justify-content:center;border:1px solid var(--gold);font-size:14px;font-weight:800;letter-spacing:.01em}
.btn.dark{background:var(--gold);color:var(--navy)}
.btn.white{background:transparent;color:#fff;border-color:#fff}
.btn.navy{background:var(--navy);color:#fff;border-color:var(--navy)}

.intro{padding:96px 0 60px;background:#fff}
.section-kicker,.small-title{font-size:13px;text-transform:uppercase;letter-spacing:.08em;color:var(--gold);font-weight:900;margin-bottom:14px}
h2{font-family:Georgia,'Times New Roman',serif;font-size:48px;line-height:1.1;color:var(--navy);margin:0 0 24px;letter-spacing:-1px}
h3{font-size:20px;line-height:1.25;color:var(--navy);margin:0 0 14px}
.intro-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:80px;align-items:start}
.intro p,.page p,.card p{color:#34465b;font-size:16px;line-height:1.9;margin:0 0 18px}
.checklist{list-style:none;padding:0;margin:26px 0;display:grid;gap:10px}
.checklist li{position:relative;padding-left:30px;color:#34465b}
.checklist li:before{content:"✓";position:absolute;left:0;top:2px;width:18px;height:18px;border-radius:50%;background:var(--gold);color:#fff;font-size:11px;font-weight:900;display:grid;place-items:center}

.feature-row{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin-top:56px}
.feature{padding:36px 34px;border-right:1px solid var(--line)}
.feature:last-child{border-right:0}
.feature .num,.card .num{font-family:Georgia,'Times New Roman',serif;font-size:38px;color:var(--gold);margin-bottom:10px}

.services{padding:90px 0;background:var(--soft)}
.services-head{display:flex;justify-content:space-between;gap:40px;align-items:end;margin-bottom:44px}
.services-head p{max-width:560px;color:#34465b}
.service-grid,.three-col{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{display:block;background:#fff;border:1px solid #ece4d8;padding:34px;min-height:245px;color:inherit;transition:.18s ease;box-shadow:0 12px 34px rgba(6,24,45,.04)}
.card:hover{transform:translateY(-5px);border-color:var(--gold);box-shadow:0 18px 44px rgba(6,24,45,.10)}
.card strong{color:var(--navy)}

.stats{background:linear-gradient(135deg,var(--navy),var(--navy2));padding:54px 0;color:#fff}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);text-align:center}
.stat{padding:8px 30px;border-right:1px solid rgba(255,255,255,.25)}
.stat:last-child{border-right:0}
.stat strong{display:block;font-family:Georgia,'Times New Roman',serif;font-size:46px;color:var(--gold);font-weight:600;margin-bottom:10px}
.stat span{font-size:16px;color:rgba(255,255,255,.9);line-height:1.5}

.testimonials{padding:92px 0;background:#fff}
.quote-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:38px}
.quote{background:#fbf8f2;border:1px solid #eee4d5;padding:34px;min-height:280px}
.stars{color:var(--gold);letter-spacing:2px;margin-bottom:18px}
.quote p{color:#34465b;line-height:1.8}
.quote strong{display:block;margin-top:22px;color:var(--navy)}
.quote small{color:#6f7b89}

.cta-section{background:var(--cream);padding:80px 0}
.cta-box{display:grid;grid-template-columns:1.2fr .8fr;gap:48px;align-items:center;background:#fff;padding:52px;border:1px solid #eee4d5}
.cta-box p{color:#34465b;font-size:17px;line-height:1.8}
.contact-list{display:grid;gap:14px}
.contact-row{font-weight:700;color:var(--navy)}

.page-hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:92px 0 80px}
.page-hero h1{font-size:58px}
.page-hero p{color:rgba(255,255,255,.82);max-width:820px}
.page{padding:80px 0}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:42px}
.band{background:var(--navy);color:#fff;padding:70px 0}
.band h2{color:#fff}.band p,.band li{color:rgba(255,255,255,.78)}

.article-content{max-width:950px;margin:0 auto}
.article-content p,.privacy-content p,.privacy-content li{font-size:16px!important;line-height:1.9!important;color:#304258;margin-bottom:22px}
.article-content h2,.privacy-content h2{font-size:34px!important;line-height:1.2!important;margin-top:58px;margin-bottom:20px}
.article-intro{font-size:20px!important;line-height:1.85!important}

footer{background:linear-gradient(135deg,var(--navy),var(--navy2));color:rgba(255,255,255,.78);padding:58px 0 28px}
.footer-grid{display:grid;grid-template-columns:1.55fr 1fr 1fr 1fr 1.2fr;gap:34px;align-items:start}
.footer-brand{display:flex;align-items:center;gap:10px;color:#fff;font-size:15px;font-weight:700;white-space:nowrap;margin-bottom:16px}
footer p{font-size:14px;line-height:1.75;margin:0 0 18px}
.footer-col{border-left:1px solid rgba(255,255,255,.22);padding-left:28px;min-height:120px}
.footer-col strong{display:block;color:#fff;margin-bottom:14px}
.footer-col a{display:block;color:rgba(255,255,255,.78);font-size:14px;margin:8px 0}
.copy{text-align:center;color:rgba(255,255,255,.65);font-size:13px;margin-top:36px}
.social{display:flex;gap:16px;color:#fff;font-weight:800}

@media(min-width:1600px){
  .hero{min-height:820px;}
  .hero-content{max-width:1100px;}
  h1{font-size:104px;}
  .hero p{font-size:24px;max-width:900px;}
}

@media(max-width:980px){
  .wrap{max-width:calc(100% - 32px)}
  nav a:not(.nav-btn){display:none}
  h1{font-size:46px}
  .page-hero h1{font-size:42px}
  .hero{min-height:auto}
  .hero-content{padding:80px 0}
  .intro-grid,.service-grid,.three-col,.stats-grid,.quote-grid,.cta-box,.two-col,.footer-grid,.feature-row{grid-template-columns:1fr}
  .feature,.stat,.footer-col{border-right:0;border-left:0;border-bottom:1px solid rgba(6,24,45,.12);padding-left:0}
  .stat{border-bottom:1px solid rgba(255,255,255,.22);padding:26px 0}
}

@media(max-width:560px){
  header,.header-inner{height:70px}
  .brand{font-size:15px}
  .nav-btn{display:none!important}
  .hero p{font-size:16px}
  .actions{display:grid}
  .btn{width:100%}
  h2{font-size:34px}
}




/* ===== ABSOLUTE FINAL HERO FIX ===== */

.hero {
    position: relative;
    overflow: hidden;
    background-image: url('assets/hero-finance.jpg');
    background-size: cover;
    background-position: center right;
    background-repeat: no-repeat;
}

/* completely hides old embedded text in background image */
.hero::before {
    content: "";
    position: absolute;
    inset: 0;
    background:
        linear-gradient(
            to right,
            rgba(5,20,40,0.96) 0%,
            rgba(8,28,52,0.94) 28%,
            rgba(18,40,68,0.88) 45%,
            rgba(22,46,74,0.55) 62%,
            rgba(22,46,74,0.12) 78%,
            rgba(22,46,74,0.00) 100%
        );
    z-index: 1;
}

.hero .wrap,
.hero-content,
.hero * {
    position: relative;
    z-index: 2;
}



/* ===== OFFICE IMAGE INTEGRATION ===== */

/* elegant background for content sections */
.about-office {
    position: relative;
    background-image:
        linear-gradient(
            to right,
            rgba(8,22,40,0.82),
            rgba(8,22,40,0.58)
        ),
        url("assets/office-image-wide.png");

    background-size: cover;
    background-position: center center;
    background-repeat: no-repeat;

    color: #fff;
    padding: 120px 0;
}

/* optional use on subpages */
.subpage-hero {
    background-image:
        linear-gradient(
            to right,
            rgba(8,22,40,0.88),
            rgba(8,22,40,0.45)
        ),
        url("assets/office-image-wide.png");

    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;

    color: #fff;
}





/* ===== FULL OFFICE IMAGE SECTION ===== */

.office-divider {
    width: 100%;
    background-color: #f5f7fa;
    padding: 0;
    overflow: hidden;
}

.office-divider img {
    width: 100%;
    height: auto;
    display: block;
}
































/* ===== TRUE FULL WIDTH OFFICE IMAGE ===== */

.home-office-divider {
    width: 100%;
    background: #f5f7fa;
    padding: 0;
    overflow: hidden;
}

.home-office-divider-inner {
    width: 100%;
    overflow: hidden;
}

.home-office-divider img {
    width: 100vw;
    max-width: 100vw;
    height: auto;
    max-height: 300px;
    display: block;
}


/* FORCE NEW OFFICE IMAGE */
.home-office-divider img{
    width:100%;
    height:auto;
    display:block;
}


.footer-banner{
 width:100%;
 margin:0;
 padding:0;
 overflow:hidden;
 line-height:0;
}

.footer-banner img{
 width:100%;
 height:auto;
 display:block;
}


/* Unified footer banner sizing */
.footer-banner,
.home-footer-banner{
    width:100%;
    margin:0;
    padding:0;
    overflow:hidden;
    line-height:0;
}

.footer-banner img,
.home-footer-banner img{
    width:100%;
    height:auto;
    display:block;
}



/* Homepage service intro alignment fix */
.service-hero,
.home-service,
.intro-section,
.hero-grid {
    display: grid;
    grid-template-columns: minmax(420px, 620px) minmax(420px, 620px);
    justify-content: space-between;
    align-items: center;
    gap: 80px;
}

.service-hero .text-right,
.home-service .text-right,
.intro-section .text-right,
.hero-grid .text-right {
    max-width: 560px;
    margin-left: 0 !important;
    justify-self: start;
}

@media (max-width: 1100px) {
    .service-hero,
    .home-service,
    .intro-section,
    .hero-grid {
        grid-template-columns: 1fr;
        gap: 30px;
    }
}



/* Better centered intro text */
.service-hero p,
.home-service p,
.intro-section p,
.hero-grid p {
    max-width: 720px;
    margin-left: 80px;
    text-align: left;
}

@media (max-width: 1100px) {
    .service-hero p,
    .home-service p,
    .intro-section p,
    .hero-grid p {
        margin-left: 0;
    }
}