/* =========================================================
   My Money Works — Design System v2
   Modern corporate-advisory style (rounded, card-based, friendly)
   ========================================================= */

:root {
	--navy: #14293f;
	--navy-dark: #0c1c2c;
	--teal: #159090;
	--mint: #7ec9bb;
	--mint-light: #e6f4f0;
	--orange: #dd7a2e;
	--orange-dark: #c56a24;
	--orange-light: #fbeee0;
	--bg: #ffffff;
	--bg-alt: #f6f8f7;
	--text: #33424f;
	--text-muted: #64707b;
	--border: #e7ebe9;
	--radius: 20px;
	--radius-sm: 12px;
	--shadow: 0 16px 40px rgba(20, 41, 63, 0.10);
	--shadow-sm: 0 8px 24px rgba(20, 41, 63, 0.07);
	--font-heading: 'Poppins', sans-serif;
	--font-body: 'Inter', sans-serif;
	--max-width: 1240px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
	margin: 0;
	font-family: var(--font-body);
	color: var(--text);
	background: var(--bg);
	line-height: 1.7;
	font-size: 17px;
}

h1, h2, h3, h4, h5 {
	font-family: var(--font-heading);
	color: var(--navy);
	line-height: 1.18;
	margin: 0 0 0.5em;
	font-weight: 700;
}

h1 { font-size: clamp(2.4rem, 4.6vw, 3.6rem); }
h2 { font-size: clamp(1.8rem, 3vw, 2.4rem); }
h3 { font-size: 1.2rem; font-weight: 700; }

p { margin: 0 0 1.2em; color: var(--text-muted); }

a { color: var(--teal); text-decoration: none; transition: color 0.2s ease; }
a:hover { color: var(--navy); }

img { max-width: 100%; height: auto; display: block; }

.container {
	max-width: var(--max-width);
	margin: 0 auto;
	padding: 0 24px;
}

.screen-reader-text, .skip-link {
	position: absolute;
	left: -9999px;
}
.skip-link:focus {
	left: 10px; top: 10px;
	background: var(--navy); color: #fff;
	padding: 10px 16px; z-index: 10000; border-radius: 8px;
}

.text-link {
	font-weight: 600;
	color: var(--navy);
	text-underline-offset: 4px;
	text-decoration: underline;
	text-decoration-color: rgba(20,41,63,0.35);
}
.text-link:hover { color: var(--teal); text-decoration-color: var(--teal); }

/* Buttons — pill-shaped, friendly */
.btn {
	display: inline-flex;
	align-items: center;
	justify-content: center;
	gap: 8px;
	padding: 15px 30px;
	border-radius: 999px;
	font-weight: 600;
	font-size: 1rem;
	font-family: var(--font-body);
	border: 2px solid transparent;
	cursor: pointer;
	transition: all 0.2s ease;
	white-space: nowrap;
}
.btn-primary {
	background: var(--orange);
	color: #fff;
	border-color: var(--orange);
	box-shadow: 0 10px 24px rgba(221, 122, 46, 0.28);
}
.btn-primary:hover { background: var(--orange-dark); border-color: var(--orange-dark); color: #fff; transform: translateY(-1px); }
.btn-outline {
	background: transparent;
	border-color: var(--navy);
	color: var(--navy);
}
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-light { background: #fff; color: var(--navy); border-color: #fff; }
.btn-light:hover { background: var(--mint-light); color: var(--navy); }
.hero .btn-outline { border-color: rgba(255,255,255,0.5); color: #fff; }
.hero .btn-outline:hover { background: #fff; color: var(--navy); border-color: #fff; }
.btn-sm { padding: 10px 22px; font-size: 0.92rem; }

/* =========================================================
   Header
   ========================================================= */
.site-header {
	position: sticky;
	top: 0;
	z-index: 999;
	background: rgba(255, 255, 255, 0.96);
	backdrop-filter: saturate(180%) blur(10px);
	border-bottom: 1px solid var(--border);
}
.header-inner {
	display: flex;
	align-items: center;
	justify-content: space-between;
	padding-top: 16px;
	padding-bottom: 16px;
}
.site-branding img { max-height: 74px; width: auto; }
.site-title-link { display: flex; flex-direction: column; }
.site-title { font-family: var(--font-heading); font-weight: 700; font-size: 1.3rem; color: var(--navy); }
.site-tagline { font-size: 0.78rem; color: var(--text-muted); }

.primary-navigation { display: flex; align-items: center; gap: 34px; }
#primary-menu {
	list-style: none;
	display: flex;
	gap: 30px;
	margin: 0;
	padding: 0;
}
#primary-menu a {
	color: var(--navy);
	font-weight: 600;
	font-size: 0.98rem;
}
#primary-menu a:hover { color: var(--teal); }
.nav-cta { padding: 12px 24px; }

.menu-toggle {
	display: none;
	flex-direction: column;
	justify-content: center;
	gap: 5px;
	width: 42px;
	height: 42px;
	background: transparent;
	border: 1px solid var(--border);
	border-radius: 10px;
	cursor: pointer;
}
.menu-toggle span { width: 20px; height: 2px; border-radius: 2px; background: var(--navy); margin: 0 auto; }

/* =========================================================
   Hero
   ========================================================= */
.hero {
	background: var(--navy);
	color: #fff;
	padding: 110px 0 90px;
	position: relative;
	overflow: hidden;
}
.hero-dots {
	position: absolute;
	right: 10px;
	top: 40px;
	width: 420px;
	height: 340px;
	pointer-events: none;
	z-index: 0;
}
.hero-dots svg { width: 100%; height: 100%; }
.hero-grid {
	display: grid;
	grid-template-columns: 1.15fr 0.85fr;
	gap: 60px;
	align-items: center;
	position: relative;
	z-index: 1;
}
.hero-eyebrow {
	display: inline-block;
	color: var(--orange);
	font-weight: 700;
	font-size: 0.98rem;
	margin-bottom: 18px;
}
.hero h1 { color: #fff; font-weight: 700; }
.hero h1 .accent { color: var(--mint); }
.hero h1 .dot { color: var(--orange); }
.hero-lead { color: rgba(255,255,255,0.78); font-size: 1.12rem; max-width: 500px; margin-top: 18px; }
.hero-actions { display: flex; align-items: center; gap: 18px; margin-top: 32px; flex-wrap: wrap; }
.hero-stats {
	display: flex;
	gap: 32px;
	margin-top: 48px;
	flex-wrap: wrap;
}
.hero-stat strong { display: block; font-family: var(--font-heading); font-size: 1.8rem; font-weight: 700; color: #fff; }
.hero-stat span { color: rgba(255,255,255,0.6); font-size: 0.85rem; }

.hero-card {
	background: #fff;
	border-radius: var(--radius);
	padding: 32px;
	box-shadow: var(--shadow);
	color: var(--text);
}
.hero-card h3 { margin-bottom: 18px; font-size: 1.1rem; }
.hero-card ul { list-style: none; margin: 0; padding: 0; }
.hero-card li {
	display: flex;
	gap: 12px;
	align-items: flex-start;
	padding: 11px 0;
	border-bottom: 1px solid var(--border);
	font-weight: 600;
	color: var(--navy);
	font-size: 0.96rem;
}
.hero-card li:last-child { border-bottom: none; }
.hero-card .check {
	flex-shrink: 0;
	width: 22px; height: 22px;
	border-radius: 50%;
	background: var(--mint-light);
	color: var(--teal);
	display: flex; align-items: center; justify-content: center;
	font-size: 0.8rem;
	font-weight: 800;
}

/* =========================================================
   Section basics
   ========================================================= */
.section { padding: 130px 0; }
.section-alt { background: var(--bg-alt); }
.section-head { max-width: 680px; margin: 0 auto 68px; text-align: center; }
.section-head.align-left { margin-left: 0; text-align: left; }
.eyebrow {
	display: inline-flex;
	align-items: center;
	gap: 8px;
	color: var(--orange);
	font-weight: 700;
	font-size: 0.95rem;
	margin-bottom: 14px;
}
.eyebrow::before {
	content: "";
	width: 8px; height: 8px;
	border-radius: 50%;
	background: var(--orange);
}

/* =========================================================
   Marquee ticker
   ========================================================= */
.marquee {
	background: var(--navy);
	overflow: hidden;
	white-space: nowrap;
	padding: 18px 0;
}
.marquee-track {
	display: inline-flex;
	align-items: center;
	gap: 16px;
	animation: mmw-scroll 32s linear infinite;
	will-change: transform;
}
.marquee:hover .marquee-track { animation-play-state: paused; }
.marquee-track span {
	color: rgba(255,255,255,0.85);
	font-weight: 600;
	font-family: var(--font-heading);
	font-size: 0.95rem;
}
.marquee-track .dot { color: var(--orange); font-weight: 400; }
@keyframes mmw-scroll {
	from { transform: translateX(0); }
	to { transform: translateX(-50%); }
}

/* Scroll reveal */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity 0.6s ease, transform 0.6s ease; }
.reveal.is-visible { opacity: 1; transform: translateY(0); }

/* =========================================================
   Solution cards (3-up, middle highlighted)
   ========================================================= */
.solutions-grid {
	display: grid;
	grid-template-columns: repeat(3, 1fr);
	gap: 26px;
	align-items: stretch;
}
.solution-card {
	background: #fff;
	border-radius: var(--radius);
	padding: 44px 36px;
	box-shadow: var(--shadow-sm);
	display: flex;
	flex-direction: column;
	transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.solution-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.solution-card--highlight {
	background: var(--navy);
	color: #fff;
	box-shadow: var(--shadow);
}
.solution-icon {
	width: 64px; height: 64px;
	border-radius: 50%;
	background: var(--mint-light);
	display: flex; align-items: center; justify-content: center;
	margin-bottom: 22px;
}
.solution-card--highlight .solution-icon { background: rgba(255,255,255,0.12); }
.solution-icon svg { width: 30px; height: 30px; }
.solution-label { font-size: 0.86rem; color: var(--text-muted); margin-bottom: 8px; font-weight: 600; }
.solution-card--highlight .solution-label { color: rgba(255,255,255,0.6); }
.solution-card h3 { font-size: 1.35rem; margin-bottom: 22px; }
.solution-card--highlight h3 { color: #fff; }
.solution-card .btn { margin-top: auto; align-self: flex-start; }

/* =========================================================
   Icon strip (4-across, non-alternating)
   ========================================================= */
.icon-strip {
	display: grid;
	grid-template-columns: repeat(4, 1fr);
	gap: 44px;
}
.icon-item { text-align: left; }
.icon-badge {
	width: 60px; height: 60px;
	border-radius: 50%;
	display: flex; align-items: center; justify-content: center;
	margin-bottom: 22px;
}
.icon-badge svg { width: 26px; height: 26px; }
.icon-badge--mint { background: var(--mint-light); }
.icon-badge--orange { background: var(--orange-light); }
.icon-item h3 { font-size: 1.08rem; margin-bottom: 8px; }
.icon-item p { font-size: 0.95rem; margin-bottom: 0; }

/* =========================================================
   Stepper (connected numbered steps — visually distinct
   from the icon-badge grids used elsewhere on the page)
   ========================================================= */
.stepper {
	display: grid;
	grid-template-columns: repeat(4, 1fr);
	gap: 32px;
	position: relative;
}
.stepper::before {
	content: "";
	position: absolute;
	top: 24px;
	left: 12.5%;
	right: 12.5%;
	height: 2px;
	background: var(--border);
}
.stepper-step { position: relative; text-align: left; }
.stepper-node {
	position: relative;
	z-index: 1;
	width: 48px; height: 48px;
	border-radius: 50%;
	background: var(--bg-alt);
	border: 2px solid var(--teal);
	color: var(--navy);
	font-family: var(--font-heading);
	font-weight: 700;
	display: flex; align-items: center; justify-content: center;
	margin-bottom: 22px;
}
.stepper-step:nth-child(2n) .stepper-node { border-color: var(--orange); }
.stepper-step h3 { font-size: 1.08rem; margin-bottom: 8px; }
.stepper-step p { font-size: 0.95rem; margin-bottom: 0; }

/* =========================================================
   Services overview (category icon + underlined links)
   ========================================================= */
.services-overview-grid {
	display: grid;
	grid-template-columns: repeat(3, 1fr);
	gap: 40px;
}
.services-overview-col .solution-icon { margin-bottom: 18px; }
.services-overview-col .cat-label { font-size: 0.86rem; color: var(--text-muted); font-weight: 600; margin-bottom: 6px; }
.services-overview-col h3 { font-size: 1.4rem; margin-bottom: 20px; }
.services-overview-col ul { list-style: none; margin: 0 0 22px; padding: 0; }
.services-overview-col li { margin-bottom: 12px; }
.services-overview-col li a {
	color: var(--navy);
	font-weight: 500;
	text-decoration: underline;
	text-decoration-color: rgba(20,41,63,0.25);
	text-underline-offset: 3px;
}
.services-overview-col li a:hover { color: var(--teal); text-decoration-color: var(--teal); }

/* =========================================================
   About / credential
   ========================================================= */
.about-grid {
	display: grid;
	grid-template-columns: 1fr 1fr;
	gap: 60px;
	align-items: center;
}
.about-media {
	background: var(--bg-alt);
	border-radius: var(--radius);
	padding: 44px;
	display: flex;
	flex-direction: column;
	gap: 20px;
}
.credential-badge { display: flex; align-items: center; gap: 16px; }
.credential-badge .badge-icon {
	width: 56px; height: 56px;
	border-radius: 50%;
	background: var(--navy);
	color: #fff;
	display: flex; align-items: center; justify-content: center;
	font-family: var(--font-heading);
	font-weight: 700;
	font-size: 0.95rem;
	flex-shrink: 0;
}
.credential-badge strong { display: block; color: var(--navy); font-size: 1rem; }
.credential-badge span { color: var(--text-muted); font-size: 0.92rem; }
.about-copy h2 { font-size: clamp(1.8rem, 3vw, 2.4rem); }

/* =========================================================
   Testimonials
   ========================================================= */
.testimonial-grid {
	display: grid;
	grid-template-columns: repeat(3, 1fr);
	gap: 26px;
}
.testimonial-card {
	background: #fff;
	border-radius: var(--radius);
	box-shadow: var(--shadow-sm);
	padding: 38px 34px;
}
.testimonial-avatar {
	width: 44px; height: 44px;
	border-radius: 50%;
	background: var(--mint-light);
	color: var(--teal);
	font-family: var(--font-heading);
	font-weight: 700;
	display: flex; align-items: center; justify-content: center;
	margin-bottom: 18px;
}
.testimonial-quote { color: var(--navy); font-weight: 500; margin-bottom: 16px; }
.testimonial-attribution { font-size: 0.85rem; color: var(--text-muted); margin-bottom: 0; }

/* =========================================================
   CTA band
   ========================================================= */
.cta-band {
	background: var(--navy);
	color: #fff;
	border-radius: var(--radius);
	padding: 64px;
	text-align: center;
}
.cta-band h2 { color: #fff; margin-bottom: 12px; }
.cta-band p { color: rgba(255,255,255,0.8); max-width: 540px; margin: 0 auto 30px; }

/* Generic content page */
.page-hero {
	background: var(--navy);
	color: #fff;
	padding: 90px 0 60px;
}
.page-hero h1 { color: #fff; margin-bottom: 14px; font-size: clamp(2.1rem, 4vw, 3rem); }
.page-hero p { color: rgba(255,255,255,0.72); max-width: 560px; }
.page-hero .eyebrow { color: var(--mint); }
.page-hero .eyebrow::before { background: var(--mint); }
.entry-content { padding: 76px 0; }
.entry-content .container { max-width: 780px; }
.entry-content h2 { margin-top: 1.5em; }
.entry-content ul { color: var(--text-muted); padding-left: 1.2em; }

/* Services list (archive) */
.service-list { display: grid; gap: 20px; }
.service-row {
	display: flex;
	align-items: center;
	gap: 28px;
	background: #fff;
	border-radius: var(--radius-sm);
	box-shadow: var(--shadow-sm);
	padding: 26px 30px;
	transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.service-row:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.service-row-num {
	flex: 0 0 48px;
	width: 48px; height: 48px;
	border-radius: 50%;
	background: var(--mint-light);
	color: var(--teal);
	display: flex; align-items: center; justify-content: center;
	font-family: var(--font-heading);
	font-weight: 700;
}
.service-row-body { flex: 1; }
.service-row-body h3 { margin-bottom: 4px; }
.service-row-body p { margin-bottom: 0; }
.service-row-arrow { flex: 0 0 auto; font-size: 1.2rem; color: var(--navy); transition: transform 0.2s ease; }
.service-row:hover .service-row-arrow { transform: translateX(5px); color: var(--teal); }

/* Footer */
.site-footer { background: var(--teal); color: rgba(255,255,255,0.85); padding-top: 70px; }
.footer-top {
	display: grid;
	grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
	gap: 40px;
	padding-bottom: 46px;
	border-bottom: 1px solid rgba(255,255,255,0.18);
}
.footer-logo-badge {
	display: inline-block;
	background: #fff;
	border-radius: 12px;
	padding: 10px 16px;
	margin-bottom: 12px;
}
.footer-logo-badge img { max-height: 36px; display: block; }
.footer-site-title { color: #fff; font-family: var(--font-heading); font-weight: 700; font-size: 1.2rem; }
.footer-tagline { color: rgba(255,255,255,0.75); font-size: 0.92rem; }
.footer-social { display: inline-block; margin-top: 8px; color: #fff; font-weight: 600; text-decoration: underline; }
.footer-heading { color: #fff; font-size: 1rem; margin-bottom: 18px; font-weight: 700; }
.footer-col ul { list-style: none; margin: 0; padding: 0; }
.footer-col li { margin-bottom: 12px; }
.footer-col a { color: rgba(255,255,255,0.8); font-size: 0.95rem; }
.footer-col a:hover { color: #fff; }
.footer-bottom {
	display: flex;
	justify-content: space-between;
	align-items: center;
	flex-wrap: wrap;
	gap: 10px;
	padding: 24px 0;
	font-size: 0.85rem;
	color: rgba(255,255,255,0.75);
}
.footer-bottom p { color: inherit; margin-bottom: 0; }
.footer-menu { list-style: none; display: flex; gap: 20px; margin: 0; padding: 0; }
.footer-menu a { color: rgba(255,255,255,0.75); }

/* =========================================================
   Responsive
   ========================================================= */
@media (max-width: 980px) {
	.hero-grid, .about-grid { grid-template-columns: 1fr; }
	.solutions-grid, .icon-strip, .services-overview-grid, .testimonial-grid, .stepper { grid-template-columns: repeat(2, 1fr); }
	.stepper::before { display: none; }
	.footer-top { grid-template-columns: repeat(2, 1fr); }
	.section { padding: 80px 0; }
	.hero-dots { opacity: 0.5; width: 300px; height: 260px; }
}

@media (max-width: 760px) {
	.menu-toggle { display: flex; }
	.primary-navigation {
		position: absolute;
		top: 100%; left: 0; right: 0;
		background: #fff;
		flex-direction: column;
		align-items: stretch;
		padding: 20px 24px 28px;
		border-bottom: 1px solid var(--border);
		box-shadow: var(--shadow);
		display: none;
		gap: 16px;
	}
	.primary-navigation.is-open { display: flex; }
	#primary-menu { flex-direction: column; gap: 6px; }
	#primary-menu a { display: block; padding: 10px 0; }
	.nav-cta { align-self: flex-start; }
	.solutions-grid, .icon-strip, .services-overview-grid, .testimonial-grid, .stepper { grid-template-columns: 1fr; }
	.cta-band { padding: 44px 26px; }
	.footer-top { grid-template-columns: 1fr; }
	.hero { padding: 80px 0 60px; }
	.service-row { flex-wrap: wrap; }
}