/* ============================================================
   VERDICT RISK ALLIANCE — Public Site Stylesheet
   Navy + Gold + White — Structured Financial Platform
   ============================================================ */

:root {
  --navy:        #1B2B4B;
  --navy-dark:   #111D33;
  --navy-mid:    #243656;
  --navy-light:  #2A3F6B;
  --teal:        #2A7B6F;
  --teal-light:  #3A9B8D;
  --gold:        #C4982A;
  --gold-light:  #D4AA40;
  --gold-pale:   #FDF6E3;
  --white:       #FFFFFF;
  --off-white:   #F8F7F4;
  --light-gray:  #EEECEA;
  --mid-gray:    #888680;
  --text-body:   #2C2A28;
  --border:      rgba(27,43,75,0.10);
  --border-dark: rgba(255,255,255,0.10);
}

/* ── RESET ── */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Source Serif 4', Georgia, serif;
  background: var(--white);
  color: var(--text-body);
  line-height: 1.7;
  font-size: 18px;
}
a { text-decoration: none; color: inherit; }
img { display: block; max-width: 100%; }

/* ── TYPOGRAPHY ── */
h1, h2, h3, h4 {
  font-family: 'Libre Baskerville', Georgia, serif;
  font-weight: 700;
  line-height: 1.15;
  color: var(--navy);
}
h1 { font-size: clamp(36px, 5vw, 58px); }
h2 { font-size: clamp(28px, 3.5vw, 42px); }
h3 { font-size: clamp(20px, 2.5vw, 26px); }
h4 { font-size: 18px; }

.label {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--gold);
}

.lead {
  font-size: 20px;
  line-height: 1.65;
  color: #4A4845;
}

/* ── LAYOUT ── */
.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 48px;
}
.container-narrow {
  max-width: 780px;
  margin: 0 auto;
  padding: 0 48px;
}
section { padding: 24px 0; }
section.tight { padding: 16px 0; }
section.dark {
  background: var(--navy);
  color: var(--white);
}
section.dark h2, section.dark h3, section.dark h4 { color: var(--white); }
section.off { background: var(--off-white); }
section.ruled { border-top: 1px solid var(--border); }

/* ── NAVIGATION ── */
.site-nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  height: 110px;
  display: flex;
  align-items: center;
  overflow: hidden;
}
.nav-inner {
  width: 100%;
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 48px;
  display: flex;
  align-items: center;
  gap: 0;
}
.nav-brand {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-right: 48px;
  flex-shrink: 0;
  height: 110px;
  overflow: hidden;
}
.nav-brand-shield {
  width: 36px;
  height: 40px;
}
.nav-brand-name {
  display: flex;
  flex-direction: column;
  line-height: 1;
}
.nav-brand-verdict {
  font-family: 'Libre Baskerville', serif;
  font-size: 17px;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: 0.5px;
}
.nav-brand-sub {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--teal);
  margin-top: 2px;
}
.nav-links {
  display: flex;
  align-items: center;
  list-style: none;
  flex: 1;
  gap: 0;
}
.nav-links a {
  display: block;
  padding: 0 18px;
  height: 110px;
  line-height: 110px;
  font-family: 'Source Sans 3', sans-serif;
  font-size: 19px;
  font-weight: 600;
  letter-spacing: 0.5px;
  color: var(--mid-gray);
  transition: color 0.2s;
  white-space: nowrap;
  border-bottom: 2px solid transparent;
}
.nav-links a:hover { color: var(--navy); }
.nav-links a.active { color: var(--navy); border-bottom-color: var(--gold); }
.nav-cta-wrap { margin-left: auto; }
.btn-portal {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 22px;
  background: var(--navy);
  color: var(--white);
  font-family: 'Source Sans 3', sans-serif;
  font-size: 18px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  border-radius: 2px;
  transition: background 0.2s;
  white-space: nowrap;
}
.btn-portal:hover { background: var(--navy-light); }
.btn-portal-gold {
  background: var(--gold);
  color: var(--navy);
}
.btn-portal-gold:hover { background: var(--gold-light); }

/* ── BUTTONS ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: 'Source Sans 3', sans-serif;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  padding: 14px 28px;
  border-radius: 2px;
  transition: all 0.2s;
  cursor: pointer;
  border: none;
}
.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: var(--navy-light); }
.btn-gold { background: var(--gold); color: var(--navy); }
.btn-gold:hover { background: var(--gold-light); }
.btn-outline-white {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,0.40);
}
.btn-outline-white:hover { border-color: var(--white); }
.btn-outline-navy {
  background: transparent;
  color: var(--navy);
  border: 1.5px solid var(--navy);
}
.btn-outline-navy:hover { background: var(--navy); color: var(--white); }

/* ── HERO ── */
.page-hero {
  background: var(--navy);
  padding: 40px 0 32px;
}
.page-hero .label { color: rgba(196,152,42,0.90); }
.page-hero h1 { color: var(--white); margin: 16px 0 24px; }
.page-hero .lead { color: rgba(255,255,255,0.65); max-width: 620px; }
.hero-ctas { display: flex; gap: 14px; margin-top: 36px; flex-wrap: wrap; }

/* ── HOME HERO ── */
.home-hero {
  background: var(--navy);
  padding: 48px 0 0;
  overflow: hidden;
}
.home-hero-inner {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 80px;
  align-items: end;
}
.home-hero h1 {
  color: var(--white);
  margin: 20px 0 28px;
  font-size: clamp(40px, 5vw, 64px);
}
.home-hero h1 em {
  font-style: italic;
  color: var(--gold);
}
.home-hero .lead { color: rgba(255,255,255,0.60); max-width: 560px; }
.home-hero-aside {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-top: 3px solid var(--gold);
  padding: 24px 28px;
  align-self: stretch;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.home-hero-aside .aside-label {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}
.home-hero-aside .aside-stat {
  padding: 10px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.home-hero-aside .aside-stat:last-child { border-bottom: none; }
.aside-num {
  font-family: 'Libre Baskerville', serif;
  font-size: 28px;
  font-weight: 700;
  color: var(--white);
  display: block;
  line-height: 1;
  margin-bottom: 2px;
}
.aside-desc {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 13px;
  color: rgba(255,255,255,0.60);
  line-height: 1.4;
}

/* ── STAT BLOCKS ── */
.stat-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border-top: 1px solid var(--border);
}
.stat-item {
  padding: 18px 28px;
  border-right: 1px solid var(--border);
}
.stat-item:last-child { border-right: none; }
.stat-num {
  font-family: 'Libre Baskerville', serif;
  font-size: 44px;
  font-weight: 700;
  color: var(--navy);
  display: block;
  line-height: 1;
  margin-bottom: 8px;
}
.stat-num span { color: var(--gold); }
.stat-label {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 14px;
  color: var(--mid-gray);
  line-height: 1.5;
}

/* ── PILLAR GRID ── */
.pillar-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 2px;
  margin-top: 48px;
}
.pillar-card {
  background: var(--off-white);
  padding: 16px 18px;
  border-top: 3px solid var(--border);
  transition: border-color 0.2s;
}
.pillar-card:hover { border-top-color: var(--gold); }
.pillar-num {
  font-family: 'Libre Baskerville', serif;
  font-size: 28px;
  font-weight: 700;
  color: var(--light-gray);
  line-height: 1;
  margin-bottom: 8px;
}
.pillar-name {
  font-family: 'Libre Baskerville', serif;
  font-size: 15px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 6px;
}
.pillar-desc {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 14px;
  color: var(--mid-gray);
  line-height: 1.55;
}

/* ── PILLAR GRID DARK (for dark sections) ── */
.pillar-grid-dark .pillar-card {
  background: rgba(255,255,255,0.05);
  border-top-color: rgba(255,255,255,0.10);
}
.pillar-grid-dark .pillar-card:hover { border-top-color: var(--gold); }
.pillar-grid-dark .pillar-num { color: rgba(255,255,255,0.10); }
.pillar-grid-dark .pillar-name { color: var(--white); }
.pillar-grid-dark .pillar-desc { color: rgba(255,255,255,0.55); }

/* ── CONTENT CARDS ── */
.card-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.card-grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.card {
  background: var(--off-white);
  padding: 20px 22px;
  border-left: 3px solid var(--border);
  transition: border-color 0.2s;
}
.card:hover { border-left-color: var(--gold); }
.card-icon {
  width: 40px;
  height: 40px;
  background: var(--navy);
  border-radius: 2px;
  margin-bottom: 20px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.card h3 { font-size: 20px; margin-bottom: 12px; }
.card p {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 15px;
  color: var(--mid-gray);
  line-height: 1.65;
}
.card-gold { border-left-color: var(--gold); }

/* ── AUDIENCE CARDS ── */
.audience-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2px; }
.audience-card {
  padding: 22px 24px;
  background: var(--off-white);
  border-top: 3px solid transparent;
}
.audience-card.active { border-top-color: var(--teal); background: var(--white); }
.audience-label {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 14px;
}
.audience-card h3 { font-size: 22px; margin-bottom: 14px; }
.audience-card p {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 15px;
  color: var(--mid-gray);
  line-height: 1.65;
}

/* ── CTA BAND ── */
.cta-band {
  background: var(--navy-dark);
  padding: 32px 0;
  text-align: center;
}
.cta-band h2 { color: var(--white); margin-bottom: 14px; font-size: 32px; }
.cta-band p {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 17px;
  color: rgba(255,255,255,0.55);
  margin-bottom: 32px;
  font-style: italic;
}
.cta-btns { display: flex; justify-content: center; gap: 14px; flex-wrap: wrap; }

/* ── INLINE CTA ── */
.inline-cta {
  background: var(--gold-pale);
  border: 1px solid rgba(196,152,42,0.25);
  border-left: 3px solid var(--gold);
  padding: 28px 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  margin: 20px 0;
}
.inline-cta p {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 16px;
  color: var(--navy);
}

/* ── SECTION HEADER ── */
.section-header { margin-bottom: 24px; }
.section-header h2 { margin-top: 14px; }
.section-header p {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 17px;
  color: var(--mid-gray);
  margin-top: 16px;
  max-width: 640px;
}

/* ── TWO COL ── */
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: start; }
.two-col-narrow { display: grid; grid-template-columns: 1fr 400px; gap: 64px; align-items: start; }

/* ── INFO BOX ── */
.info-box {
  background: var(--navy);
  padding: 36px;
  color: var(--white);
}
.info-box-title {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: rgba(255,255,255,0.40);
  margin-bottom: 20px;
}
.info-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 16px;
  padding: 12px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  font-family: 'Source Sans 3', sans-serif;
  font-size: 14px;
}
.info-row:last-child { border-bottom: none; }
.info-key { color: rgba(255,255,255,0.50); }
.info-val { color: var(--white); font-weight: 600; text-align: right; }

/* ── PORTAL ── */
.portal-wrap {
  min-height: 100vh;
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 48px;
}
.portal-card {
  background: var(--white);
  max-width: 460px;
  width: 100%;
  padding: 36px 40px;
  border-top: 4px solid var(--gold);
}
.portal-card h1 {
  font-size: 28px;
  margin: 16px 0 10px;
}
.portal-card p {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 15px;
  color: var(--mid-gray);
  margin-bottom: 32px;
  line-height: 1.65;
}
.portal-input {
  width: 100%;
  padding: 14px 16px;
  border: 1px solid var(--border);
  background: var(--off-white);
  font-family: 'Source Sans 3', sans-serif;
  font-size: 16px;
  color: var(--navy);
  border-radius: 2px;
  margin-bottom: 14px;
  letter-spacing: 1px;
  outline: none;
  transition: border-color 0.2s;
}
.portal-input:focus { border-color: var(--navy); }
.portal-input::placeholder { color: var(--mid-gray); letter-spacing: 0; }
.portal-btn {
  width: 100%;
  padding: 14px;
  background: var(--navy);
  color: var(--white);
  font-family: 'Source Sans 3', sans-serif;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  border: none;
  border-radius: 2px;
  cursor: pointer;
  transition: background 0.2s;
}
.portal-btn:hover { background: var(--navy-light); }
.portal-note {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 12px;
  color: var(--mid-gray);
  text-align: center;
  margin-top: 16px;
}

/* ── DIVIDER ── */
.rule { border: none; border-top: 1px solid var(--border); margin: 0; }
.rule-gold { border-top-color: var(--gold); width: 48px; border-top-width: 2px; }

/* ── PROSE ── */
.prose p { margin-bottom: 18px; }
.prose p:last-child { margin-bottom: 0; }
.prose-sans p {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 16px;
  color: #4A4845;
  line-height: 1.75;
  margin-bottom: 18px;
}

/* ── TIER TABLE ── */
.tier-table { width: 100%; border-collapse: collapse; }
.tier-table th {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--mid-gray);
  padding: 12px 20px;
  text-align: left;
  border-bottom: 2px solid var(--border);
}
.tier-table td {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 15px;
  padding: 16px 20px;
  border-bottom: 1px solid var(--border);
  vertical-align: top;
}
.tier-table tr:last-child td { border-bottom: none; }
.tier-badge {
  display: inline-block;
  padding: 3px 10px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  border-radius: 2px;
}
.tier-1 { background: var(--light-gray); color: var(--navy); }
.tier-2 { background: rgba(42,123,111,0.12); color: var(--teal); }
.tier-3 { background: rgba(196,152,42,0.15); color: #8B6A10; }

/* ── FOOTER ── */
.site-footer { background: var(--navy-dark); padding: 64px 0 0; }
.footer-grid {
  display: grid;
  grid-template-columns: 260px 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 24px;
}
.footer-brand-name {
  font-family: 'Libre Baskerville', serif;
  font-size: 20px;
  font-weight: 700;
  color: var(--white);
  display: block;
  margin-bottom: 4px;
}
.footer-brand-sub {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 10px;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--teal-light);
  display: block;
  margin-bottom: 20px;
}
.footer-tagline {
  font-family: 'Libre Baskerville', serif;
  font-style: italic;
  font-size: 14px;
  color: rgba(255,255,255,0.35);
  line-height: 1.65;
}
.footer-col-title {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: rgba(255,255,255,0.40);
  margin-bottom: 20px;
}
.footer-links { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.footer-links a {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 15px;
  color: rgba(255,255,255,0.55);
  transition: color 0.2s;
}
.footer-links a:hover { color: var(--white); }
.footer-contact {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 14px;
  color: rgba(255,255,255,0.45);
  line-height: 2;
}
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 14px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}
.footer-legal {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 12px;
  color: rgba(255,255,255,0.25);
  line-height: 1.65;
  max-width: 680px;
}
.footer-seg {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 10px;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: rgba(255,255,255,0.20);
  white-space: nowrap;
}

/* ── NAV LOGO ── */
.nav-logo-img {
  height: 94px;
  width: auto;
  display: block;
  object-fit: contain;
  object-position: center top;
}
.nav-brand {
  margin-right: 40px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
}

/* ── STAT BUBBLE ── */
.stat-bubble {
  background: rgba(20, 32, 58, 0.85);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 12px;
  padding: 28px 28px 20px;
  align-self: flex-start;
  min-width: 300px;
}
.sb-title {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--teal-light);
  margin-bottom: 20px;
}
.sb-item {
  padding: 14px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.sb-item:last-child { border-bottom: none; padding-bottom: 4px; }
.sb-num {
  font-family: 'Libre Baskerville', serif;
  font-size: 42px;
  font-weight: 700;
  line-height: 1;
  margin-bottom: 4px;
}
.sb-red   { color: #E05C4B; }
.sb-gold  { color: var(--gold-light); }
.sb-teal  { color: var(--teal-light); }
.sb-white { color: rgba(255,255,255,0.90); }
.sb-desc {
  font-family: 'Source Serif 4', Georgia, serif;
  font-size: 14px;
  color: rgba(255,255,255,0.65);
  line-height: 1.5;
  font-style: italic;
  margin-bottom: 4px;
}
.sb-desc em { font-style: normal; }
.sb-source {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: rgba(255,255,255,0.28);
}

/* ── LOGO SIZE UPDATE ── */