/* ============================================================
   MERIDIAN WEALTH ADVISORS — FINANCIAL ADVISOR TEMPLATE
   Deep navy + warm gold, Cormorant Garamond headlines, editorial luxury
   ============================================================ */

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Inter', sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.65;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

h1, h2 { font-family: 'Cormorant Garamond', serif; font-weight: 600; line-height: 1.1; }
h2 { font-size: clamp(2rem, 3.8vw, 3.2rem); }
h3 { font-size: 1.05rem; font-family: 'Inter', sans-serif; font-weight: 600; }
p  { color: var(--text-muted); line-height: 1.78; }

.container { max-width: 1280px; margin: 0 auto; padding: 0 24px; }

/* Scroll Progress */
.scroll-progress {
  position: fixed; top: 0; left: 0; height: 2px; width: 0%;
  background: linear-gradient(90deg, var(--primary), #e8d5a3);
  z-index: 1100; transition: width .1s linear;
}

/* Regulatory Bar */
.regulatory-bar {
  background: rgba(184,150,62,0.08);
  border-bottom: 1px solid var(--border);
  color: var(--primary);
  text-align: center; padding: 9px 24px;
  font-size: 0.72rem; font-weight: 500; letter-spacing: 0.5px;
  display: flex; align-items: center; justify-content: center; gap: 8px;
}

/* NAVBAR */
.navbar {
  position: sticky; top: 0; z-index: 500;
  background: rgba(6, 7, 12, 0.97);
  backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--border-subtle);
  transition: box-shadow .3s;
}
.navbar.scrolled { box-shadow: 0 4px 40px rgba(0,0,0,.5); border-bottom-color: var(--border); }
.navbar-inner {
  max-width: 1280px; margin: 0 auto; padding: 0 24px;
  height: 72px; display: flex; align-items: center; gap: 40px;
}
.navbar-logo { display: flex; flex-direction: column; line-height: 1; text-decoration: none; }
.logo-main {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.3rem; font-weight: 600;
  color: var(--primary); letter-spacing: 4px; text-transform: uppercase;
}
.logo-sub { font-size: 0.48rem; color: var(--text-muted); letter-spacing: 3px; margin-top: 3px; text-transform: uppercase; }
.navbar-links { display: flex; list-style: none; gap: 32px; margin: 0 auto; }
.navbar-links a {
  color: var(--text-muted); text-decoration: none;
  font-size: 0.8rem; font-weight: 500; letter-spacing: 0.4px; transition: color .2s;
}
.navbar-links a:hover { color: var(--text); }
.navbar-actions { display: flex; align-items: center; gap: 16px; }
.nav-phone {
  display: flex; align-items: center; gap: 6px;
  color: var(--text-muted); text-decoration: none;
  font-size: 0.78rem; font-weight: 500; transition: color .2s;
}
.nav-phone:hover { color: var(--primary); }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 11px 24px; border-radius: 3px;
  font-family: 'Inter', sans-serif;
  font-size: 0.8rem; font-weight: 600; cursor: pointer;
  text-decoration: none; transition: all .2s; border: 1px solid transparent;
  letter-spacing: 0.4px;
}
.btn-primary { background: var(--primary); color: #000; border-color: var(--primary); }
.btn-primary:hover { background: var(--primary-dark); border-color: var(--primary-dark); transform: translateY(-1px); }
.btn-outline { background: transparent; color: var(--primary); border-color: var(--border); }
.btn-outline:hover { border-color: var(--primary); background: var(--primary-glow); }
.btn-lg { padding: 14px 30px; font-size: 0.86rem; }

/* Hamburger */
.hamburger {
  display: none; flex-direction: column; justify-content: center; gap: 5px;
  width: 38px; height: 38px; background: none; border: none; cursor: pointer; padding: 4px;
}
.hamburger span { display: block; width: 22px; height: 1.5px; background: var(--text); transition: all .3s; }

/* Mobile Menu */
.mobile-menu {
  display: none; flex-direction: column; gap: 4px;
  position: fixed; inset: 0; top: 72px; z-index: 499;
  background: var(--bg-card); padding: 24px; border-top: 1px solid var(--border-subtle);
}
.mobile-menu.open { display: flex; }
.mobile-menu a {
  color: var(--text); text-decoration: none; font-size: 1rem; font-weight: 500;
  padding: 12px 0; border-bottom: 1px solid var(--border-subtle);
}
.mobile-menu .btn { margin-top: 12px; justify-content: center; }

/* Section */
.section { padding: 100px 0; }
.section-alt { background: var(--bg-card); }
.section-header { text-align: center; margin-bottom: 60px; max-width: 680px; margin-left: auto; margin-right: auto; }
.section-sub { margin-top: 16px; font-size: 1rem; max-width: 560px; margin-left: auto; margin-right: auto; }
.eyebrow {
  display: inline-block; font-size: 0.66rem; font-weight: 700; letter-spacing: 3px; text-transform: uppercase;
  color: var(--primary); background: var(--primary-glow); padding: 5px 14px; border-radius: 100px; margin-bottom: 16px;
  border: 1px solid var(--border);
}

/* Reveal */
.reveal { opacity: 0; transform: translateY(20px); transition: opacity .6s ease, transform .6s ease; }
.reveal.visible { opacity: 1; transform: none; }

/* HERO */
.hero {
  position: relative; min-height: 94vh;
  display: flex; flex-direction: column; justify-content: center;
  overflow: hidden;
}
.hero-bg { position: absolute; inset: 0; }
.hero-bg-img { width: 100%; height: 100%; object-fit: cover; filter: brightness(.25) saturate(.8); }
.hero-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(120deg, rgba(6,7,12,.95) 0%, rgba(6,7,12,.6) 55%, transparent 100%);
}
.hero .container { position: relative; z-index: 1; }
.hero-content { max-width: 780px; padding: 80px 0 40px; }
.hero-eyebrow {
  display: flex; align-items: center; gap: 14px;
  font-size: 0.7rem; font-weight: 600; letter-spacing: 2px; text-transform: uppercase;
  color: var(--primary); margin-bottom: 24px;
}
.eyebrow-line { width: 32px; height: 1px; background: var(--primary); flex-shrink: 0; }
.hero-headline {
  font-size: clamp(3rem, 6.5vw, 5.5rem); color: var(--text); margin-bottom: 24px;
}
.headline-em { color: var(--primary); font-style: italic; display: block; }
.hero-sub {
  font-size: 1.02rem; color: var(--text-muted); max-width: 580px; margin-bottom: 40px;
}
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 28px; }
.hero-disclaimer {
  display: flex; align-items: center; gap: 7px;
  font-size: 0.72rem; color: var(--text-muted);
}

.hero-stats {
  position: relative; z-index: 1;
  display: flex; gap: 0;
  border-top: 1px solid var(--border-subtle);
  background: rgba(6,7,12,.8); backdrop-filter: blur(16px);
}
.hero-stat { flex: 1; padding: 28px 32px; text-align: center; border-right: 1px solid var(--border-subtle); }
.hero-stat:last-child { border-right: none; }
.hero-stat-value { font-family: 'Cormorant Garamond', serif; font-size: 2.2rem; font-weight: 600; color: var(--primary); line-height: 1; }
.hero-stat-label { font-size: 0.7rem; color: var(--text-muted); margin-top: 5px; letter-spacing: 0.4px; }

/* Trust Bar */
.trust-bar { background: var(--surface); border-bottom: 1px solid var(--border-subtle); padding: 18px 0; }
.trust-bar-inner { display: flex; align-items: center; justify-content: center; gap: 36px; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 7px; font-size: 0.76rem; color: var(--text-muted); font-weight: 500; }

/* Services */
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: var(--border-subtle); border: 1px solid var(--border-subtle); }
.service-card {
  background: var(--bg-card); padding: 36px 30px;
  display: flex; flex-direction: column; gap: 12px;
  text-decoration: none; transition: background .2s;
}
.service-card:hover { background: var(--surface); }
.service-icon {
  width: 50px; height: 50px; border-radius: 6px;
  background: var(--primary-glow); border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center; margin-bottom: 4px;
}
.service-card h3 { color: var(--text); font-size: 1.05rem; }
.service-card p { font-size: 0.85rem; flex: 1; }
.service-link-text {
  display: flex; align-items: center; gap: 5px;
  font-size: 0.75rem; font-weight: 600; color: var(--primary); margin-top: 4px;
}

/* Philosophy */
.philosophy-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; }
.philosophy-text-col { display: flex; flex-direction: column; gap: 22px; }
.philosophy-text-col h2 { margin-top: 8px; }
.philosophy-text-col p { font-size: 0.92rem; }
.philosophy-pillars { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 8px; }
.pillar {
  background: var(--surface); border: 1px solid var(--border-subtle);
  border-radius: 4px; padding: 14px 18px;
  display: flex; align-items: center; gap: 12px;
}
.pillar-num { font-family: 'Cormorant Garamond', serif; font-size: 1.4rem; font-weight: 600; color: var(--primary); line-height: 1; }
.pillar-label { font-size: 0.82rem; font-weight: 600; color: var(--text); }
.philosophy-img-col { border-radius: 4px; overflow: hidden; }
.philosophy-img { width: 100%; aspect-ratio: 3/4; object-fit: cover; filter: brightness(.85) saturate(.9); }

/* Team */
.team-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.team-card { background: var(--surface); border: 1px solid var(--border-subtle); border-radius: 4px; overflow: hidden; }
.team-img-wrap { aspect-ratio: 3/4; overflow: hidden; }
.team-img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s ease; filter: grayscale(.3); }
.team-card:hover .team-img { transform: scale(1.04); filter: grayscale(0); }
.team-body { padding: 20px; display: flex; flex-direction: column; gap: 6px; }
.team-name { font-family: 'Cormorant Garamond', serif; font-size: 1.05rem; font-weight: 600; color: var(--text); }
.team-title { font-size: 0.72rem; color: var(--primary); font-weight: 600; letter-spacing: 0.3px; }
.team-spec, .team-creds { display: flex; align-items: flex-start; gap: 5px; font-size: 0.72rem; color: var(--text-muted); line-height: 1.4; }
.team-bio { font-size: 0.78rem; color: var(--text-muted); margin-top: 4px; line-height: 1.6; }

/* Process */
.process-steps { display: grid; grid-template-columns: repeat(5, 1fr); gap: 20px; }
.process-step {
  display: flex; flex-direction: column; gap: 12px; padding: 28px 20px;
  background: var(--surface); border: 1px solid var(--border-subtle); border-radius: 4px;
}
.step-num { font-family: 'Cormorant Garamond', serif; font-size: 2.5rem; font-weight: 600; color: var(--primary); line-height: 1; }
.process-step h3 { font-size: 0.9rem; color: var(--text); font-weight: 600; }
.process-step p { font-size: 0.82rem; }

/* Performance */
.performance-section { background: var(--primary); }
.performance-section .eyebrow { background: rgba(0,0,0,.2); border-color: rgba(0,0,0,.3); color: #fff; }
.performance-section h2 { color: #000; }
.performance-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-bottom: 28px; }
.perf-card {
  background: rgba(0,0,0,.15); border: 1px solid rgba(0,0,0,.2);
  border-radius: 4px; padding: 32px 24px; text-align: center;
}
.perf-value { font-family: 'Cormorant Garamond', serif; font-size: 3rem; font-weight: 600; color: #000; line-height: 1; }
.perf-label { font-size: 0.85rem; font-weight: 600; color: rgba(0,0,0,.8); margin-top: 8px; }
.perf-period { font-size: 0.72rem; color: rgba(0,0,0,.6); margin-top: 4px; }
.perf-disclaimer { font-size: 0.72rem; color: rgba(0,0,0,.6); text-align: center; max-width: 700px; margin: 0 auto; }

/* Testimonials */
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.testimonial-card {
  background: var(--surface); border: 1px solid var(--border-subtle); border-radius: 4px;
  padding: 36px 28px; display: flex; flex-direction: column; gap: 20px;
}
.t-quote-mark { font-family: 'Cormorant Garamond', serif; font-size: 5rem; color: var(--primary); line-height: .8; }
.t-quote { font-size: 0.9rem; color: var(--text-muted); font-style: italic; flex: 1; line-height: 1.8; }
.t-footer { display: flex; align-items: center; justify-content: space-between; gap: 12px; }
.t-author { display: flex; align-items: center; gap: 12px; }
.t-avatar { width: 40px; height: 40px; border-radius: 50%; object-fit: cover; filter: grayscale(.2); }
.t-name { font-size: 0.85rem; font-weight: 600; color: var(--text); }
.t-detail { font-size: 0.72rem; color: var(--text-muted); margin-top: 2px; }
.t-aum { text-align: right; flex-shrink: 0; }
.t-aum-label { font-size: 0.66rem; color: var(--text-dim); letter-spacing: 1px; text-transform: uppercase; }
.t-aum-value { font-family: 'Cormorant Garamond', serif; font-size: 1.2rem; font-weight: 600; color: var(--primary); }

/* Pricing */
.pricing-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; align-items: start; }
.pricing-card {
  background: var(--surface); border: 1px solid var(--border-subtle); border-radius: 4px;
  padding: 36px 28px; display: flex; flex-direction: column; gap: 12px; position: relative;
}
.pricing-card.popular { border-color: var(--primary); background: rgba(184,150,62,.05); }
.popular-badge {
  position: absolute; top: -12px; left: 50%; transform: translateX(-50%);
  background: var(--primary); color: #000;
  font-size: 0.68rem; font-weight: 700; letter-spacing: 1px; text-transform: uppercase;
  padding: 4px 16px; border-radius: 100px; white-space: nowrap;
}
.tier-name { font-size: 0.68rem; font-weight: 700; letter-spacing: 2.5px; text-transform: uppercase; color: var(--text-muted); }
.tier-min { font-family: 'Cormorant Garamond', serif; font-size: 2.4rem; font-weight: 600; color: var(--primary); line-height: 1; margin-top: 4px; }
.tier-min-label { font-size: 0.72rem; color: var(--text-muted); margin-top: -6px; }
.tier-fee { font-size: 1rem; font-weight: 700; color: var(--text); padding-top: 16px; border-top: 1px solid var(--border-subtle); }
.tier-fee-sub { font-size: 0.72rem; color: var(--text-muted); margin-top: -6px; }
.tier-features { list-style: none; display: flex; flex-direction: column; gap: 9px; flex: 1; margin-bottom: 4px; }
.tier-features li { display: flex; align-items: flex-start; gap: 8px; font-size: 0.82rem; color: var(--text-muted); }

/* FAQ */
.faq-container { max-width: 780px; }
.faq-list { display: flex; flex-direction: column; gap: 4px; }
.faq-item { background: var(--surface); border: 1px solid var(--border-subtle); border-radius: 3px; overflow: hidden; }
.faq-item.open { border-color: var(--border); }
.faq-q {
  width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 16px;
  padding: 18px 24px; background: none; border: none; cursor: pointer;
  font-family: 'Inter', sans-serif; font-size: 0.88rem; font-weight: 600;
  color: var(--text); text-align: left;
}
.faq-q i { transition: transform .3s; flex-shrink: 0; color: var(--text-muted); }
.faq-item.open .faq-q i { transform: rotate(180deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .35s ease; }
.faq-item.open .faq-a { max-height: 250px; }
.faq-a p { padding: 0 24px 18px; font-size: 0.86rem; }

/* Consultation Form */
.consult-section { background: var(--bg-card); }
.consult-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 72px; align-items: start; }
.consult-info { display: flex; flex-direction: column; gap: 20px; }
.consult-info h2 { margin-top: 8px; }
.consult-contact { display: flex; flex-direction: column; gap: 14px; }
.consult-contact-item { display: flex; align-items: flex-start; gap: 10px; font-size: 0.85rem; }
.consult-contact-item a { color: var(--text); text-decoration: none; transition: color .2s; }
.consult-contact-item a:hover { color: var(--primary); }
.consult-contact-item span { color: var(--text-muted); }
.crd-badge {
  display: flex; align-items: center; gap: 7px;
  font-size: 0.72rem; color: var(--text-muted); font-weight: 500;
  padding-top: 16px; border-top: 1px solid var(--border-subtle);
}

.consult-form-wrap {
  background: var(--surface); border: 1px solid var(--border-subtle); border-radius: 4px; padding: 36px;
}
.consult-form h3 { font-size: 1.1rem; font-weight: 600; color: var(--text); margin-bottom: 24px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { display: flex; flex-direction: column; gap: 6px; margin-bottom: 14px; }
.form-group label { font-size: 0.72rem; font-weight: 600; color: var(--text-muted); letter-spacing: 0.4px; text-transform: uppercase; }
.form-group input,
.form-group select,
.form-group textarea {
  background: var(--bg-card); border: 1px solid var(--border-subtle); border-radius: 3px;
  padding: 11px 14px; font-family: 'Inter', sans-serif; font-size: 0.86rem; color: var(--text);
  outline: none; transition: border-color .2s; width: 100%;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { border-color: var(--primary); }
.form-group select { appearance: none; cursor: pointer; }
.form-note { display: flex; align-items: center; gap: 6px; font-size: 0.74rem; color: var(--text-muted); margin-top: 12px; justify-content: center; }

/* Footer */
.footer { background: var(--bg-card); border-top: 1px solid var(--border-subtle); padding: 72px 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.5fr repeat(3, 1fr); gap: 48px; margin-bottom: 48px; }
.footer-brand { display: flex; flex-direction: column; gap: 14px; }
.footer-logo { display: flex; flex-direction: column; line-height: 1; }
.footer-logo .logo-main { font-family: 'Cormorant Garamond', serif; font-size: 1.1rem; font-weight: 600; color: var(--primary); letter-spacing: 3px; text-transform: uppercase; }
.footer-logo .logo-sub { font-size: 0.44rem; color: var(--text-muted); letter-spacing: 2px; text-transform: uppercase; margin-top: 3px; }
.footer-brand > p { font-size: 0.82rem; color: var(--text-muted); }
.footer-social { display: flex; gap: 8px; }
.social-link {
  width: 34px; height: 34px; border-radius: 3px; border: 1px solid var(--border-subtle);
  display: flex; align-items: center; justify-content: center;
  color: var(--text-muted); text-decoration: none; transition: all .2s;
}
.social-link:hover { border-color: var(--primary); color: var(--primary); }
.footer-col h4 { font-size: 0.66rem; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--text-muted); margin-bottom: 16px; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-col a { font-size: 0.82rem; color: var(--text-muted); text-decoration: none; transition: color .2s; }
.footer-col a:hover { color: var(--primary); }
.footer-bottom { border-top: 1px solid var(--border-subtle); padding: 20px 0; }
.footer-bottom p { font-size: 0.72rem; color: var(--text-dim); text-align: center; max-width: 900px; margin: 0 auto; line-height: 1.7; }

/* Back to Top */
.back-to-top {
  position: fixed; bottom: 24px; right: 24px; z-index: 400;
  width: 40px; height: 40px; border-radius: 3px;
  background: var(--surface); color: var(--primary); border: 1px solid var(--border);
  cursor: pointer; display: flex; align-items: center; justify-content: center;
  opacity: 0; transform: translateY(10px); transition: all .3s; pointer-events: none;
}
.back-to-top.visible { opacity: 1; transform: none; pointer-events: auto; }
.back-to-top:hover { background: var(--primary); color: #000; }

/* RESPONSIVE */
@media (max-width: 1200px) {
  .team-grid { grid-template-columns: repeat(2, 1fr); }
  .process-steps { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 1024px) {
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .performance-grid { grid-template-columns: repeat(2, 1fr); }
  .testimonials-grid { grid-template-columns: 1fr; }
  .pricing-grid { grid-template-columns: 1fr; }
  .philosophy-grid { grid-template-columns: 1fr; }
  .philosophy-img-col { display: none; }
  .consult-grid { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .navbar-links, .nav-phone { display: none; }
  .hamburger { display: flex; }
  .hero-headline { font-size: clamp(2.4rem, 8vw, 4rem); }
  .hero-stats { flex-wrap: wrap; }
  .hero-stat { flex: 1 0 50%; border-right: none; border-bottom: 1px solid var(--border-subtle); }
  .services-grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr; }
  .process-steps { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .section { padding: 64px 0; }
  .trust-bar-inner { gap: 18px; }
}
@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; }
  .performance-grid { grid-template-columns: 1fr 1fr; }
  .philosophy-pillars { grid-template-columns: 1fr; }
}