/* ========================= Variables ========================= */
:root {
  --primary-color: #0d3559;      /* Deep finance blue */
  --accent-color: #f08c42;      /* Warm pastel orange */
  --secondary-color: #6ba292;   /* Muted green */
  --light-bg: #f9fafb;          /* Soft light background */
  --dark-text: #1a1a1a;
  --muted-text: #555;
  --max-width: 1200px;
  --transition-speed: 0.3s;
  --card-radius: 12px;
  --shadow: 0 4px 12px rgba(0,0,0,0.08);
  --shadow-hover: 0 6px 18px rgba(0,0,0,0.12);
}

/* ========================= Reset ========================= */
* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

body {
  font-family: "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: var(--dark-text);
  background: var(--light-bg);
}

a {
  text-decoration: none;
  color: inherit;
  transition: color var(--transition-speed);
}

/* ========================= Animations ========================= */
@keyframes fadeSlideUp {
  from { opacity: 0; transform: translateY(40px); }
  to { opacity: 1; transform: translateY(0); }
}

@keyframes fadeIn {
  from { opacity: 0; }
  to { opacity: 1; }
}

/* ========================= Header ========================= */
.site-header {
  background: var(--primary-color);
  padding: 1rem 2rem;
  box-shadow: var(--shadow);
  position: sticky;
  top: 0;
  z-index: 1000;
}

.header-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  max-width: var(--max-width);
  margin: auto;
}

.logo {
  color: #fff;
  font-weight: bold;
  font-size: 1.3rem;
}

.nav {
  display: flex;
  gap: 1.5rem;
}

.nav-link {
  color: #fff;
  font-size: 1rem;
  font-weight: 500;
  position: relative;
}

.nav-link::after {
  content: "";
  position: absolute;
  width: 0%;
  height: 2px;
  background: var(--accent-color);
  left: 0;
  bottom: -4px;
  transition: width var(--transition-speed);
}

.nav-link:hover::after,
.nav-link.active::after {
  width: 100%;
}

/* ========================= Hero ========================= */
.hero {
  position: relative;
  height: 30vh;
  min-height: 350px;
  background: url("../assets/images/retirement.jpg") center/cover no-repeat;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  overflow: hidden;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to right,
    rgba(13, 53, 89, 0.85),
    rgba(240, 140, 66, 0.65)
  );
}

.hero-content {
  position: relative;
  color: #fff;
  max-width: 700px;
  padding: 1rem;
  animation: fadeSlideUp 1s ease forwards;
}

.hero h1 {
  font-size: 2.5rem;
  margin-bottom: 1rem;
  font-weight: 700;
}

.hero p {
  font-size: 1.2rem;
  margin-bottom: 1.5rem;
}

.btn-primary {
  background: var(--accent-color);
  color: #fff;
  padding: 0.8rem 1.6rem;
  border-radius: 8px;
  font-size: 1rem;
  font-weight: 600;
  display: inline-block;
  transition: background var(--transition-speed), transform var(--transition-speed);
}

.btn-primary:hover {
  background: #d9762c;
  transform: translateY(-2px);
}

/* ========================= Features ========================= */
.features {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 1.5rem;
  max-width: var(--max-width);
  margin: 3rem auto;
  padding: 0 1rem;
}

.feature-box {
  background: #fff;
  border-radius: var(--card-radius);
  padding: 2rem 1.5rem;
  box-shadow: var(--shadow);
  text-align: center;
  transition: transform var(--transition-speed), box-shadow var(--transition-speed);
  opacity: 0;
  animation: fadeSlideUp 0.8s ease forwards;
}

.feature-box:nth-child(1) { animation-delay: 0.2s; }
.feature-box:nth-child(2) { animation-delay: 0.4s; }
.feature-box:nth-child(3) { animation-delay: 0.6s; }

.feature-box:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-hover);
}

.feature-box h3 {
  color: var(--primary-color);
  font-size: 1.3rem;
  margin-bottom: 0.8rem;
}

.feature-box p {
  font-size: 1rem;
  color: var(--muted-text);
}

/* ========================= Resources ========================= */
.section {
  max-width: var(--max-width);
  margin: 3rem auto;
  padding: 0 1rem;
}

.section-title {
  font-size: 1.8rem;
  margin-bottom: 2rem;
  color: var(--primary-color);
  font-weight: 600;
  text-align: left;
}

.resources {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 1.5rem;
}

.resource-card {
  background: #fff;
  border-radius: var(--card-radius);
  box-shadow: var(--shadow);
  overflow: hidden;
  transition: transform var(--transition-speed), box-shadow var(--transition-speed);
  opacity: 0;
  animation: fadeSlideUp 0.8s ease forwards;
}

.resource-card:nth-child(1) { animation-delay: 0.2s; }
.resource-card:nth-child(2) { animation-delay: 0.4s; }
.resource-card:nth-child(3) { animation-delay: 0.6s; }
.resource-card:nth-child(4) { animation-delay: 0.8s; }

.resource-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-hover);
}

.resource-card img {
  width: 100%;
  height: 180px;
  object-fit: cover;
  transition: transform var(--transition-speed);
}

.resource-card:hover img {
  transform: scale(1.05);
}

.resource-card-body {
  padding: 1.2rem;
}

.resource-card-body h4 {
  font-size: 1.1rem;
  color: var(--primary-color);
  margin-bottom: 0.5rem;
  font-weight: 600;
}

.resource-card-body p {
  font-size: 0.95rem;
  color: var(--muted-text);
  margin-bottom: 1rem;
}

.btn-link {
  color: var(--accent-color);
  font-weight: bold;
}

.btn-link:hover {
  color: #d9762c;
  text-decoration: underline;
}

/* ========================= Why Choose Us ========================= */
.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 2rem;
  align-items: start;
}

.why-item {
  display: flex;
  gap: 1rem;
  background: #fff;
  border-radius: var(--card-radius);
  padding: 1.5rem;
  box-shadow: var(--shadow);
  transition: transform var(--transition-speed), box-shadow var(--transition-speed);
  opacity: 0;
  animation: fadeSlideUp 0.8s ease forwards;
}

.why-item img {
  width: 48px;
  height: 48px;
  object-fit: contain;
}

.why-item:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-hover);
}

.why-item h3 {
  margin-bottom: 0.5rem;
  font-size: 1.2rem;
  color: var(--primary-color);
}

/* ========================= Testimonials ========================= */
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 2rem;
}

.testimonial-card {
  background: #fff;
  border-radius: var(--card-radius);
  padding: 2rem 1.5rem;
  text-align: center;
  box-shadow: var(--shadow);
  transition: transform var(--transition-speed), box-shadow var(--transition-speed);
  opacity: 0;
  animation: fadeSlideUp 0.8s ease forwards;
}

.testimonial-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-hover);
}

.testimonial-card img {
  width: 70px;
  height: 70px;
  border-radius: 50%;
  margin-bottom: 1rem;
  object-fit: cover;
}

.testimonial-card blockquote {
  font-style: italic;
  color: var(--muted-text);
  margin-bottom: 1rem;
}

.testimonial-card .author {
  font-weight: bold;
  color: var(--primary-color);
}

/* ========================= Footer ========================= */
.site-footer {
  background: var(--primary-color);
  color: #fff;
  padding: 3rem 1.5rem;
}

.footer-inner {
  max-width: var(--max-width);
  margin: auto;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 2rem;
}

.footer-column h4 {
  font-size: 1.2rem;
  margin-bottom: 1rem;
  color: var(--secondary-color);
}

.footer-column ul {
  list-style: none;
  padding: 0;
}

.footer-column li {
  margin-bottom: 0.6rem;
}

.footer-link {
  color: #fff;
  font-size: 0.95rem;
  transition: color var(--transition-speed);
}

.footer-link:hover {
  color: var(--accent-color);
}

.footer-bottom {
  text-align: center;
  margin-top: 2rem;
  font-size: 0.85rem;
  color: #ddd;
}

/* ========================= Responsive ========================= */
@media (max-width: 768px) {
  .hero h1 { font-size: 2rem; }
  .hero p { font-size: 1rem; }
  .features, .resources, .why-grid, .testimonial-grid { grid-template-columns: 1fr; }
}