/* ===== AccFin Inc. — site styles ===== */
:root{
  --navy:#14293f; --navy-2:#1f3a5f; --teal:#1f7a3d; --teal-d:#14572a;
  --ink:#1a2b33; --muted:#5f7078; --line:#e4eaea; --bg:#f7f9f9; --card:#ffffff;
  --gold:#b8843a; --soft:#e7f2ea;
  --shadow:0 1px 2px rgba(20,41,63,.05),0 10px 30px rgba(20,41,63,.07);
  --radius:14px; --max:1140px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
h1,h2,h3{line-height:1.2;color:var(--navy);margin:0 0 .4em}
h1{font-size:clamp(30px,5vw,46px);letter-spacing:-.02em}
h2{font-size:clamp(24px,3.4vw,33px);letter-spacing:-.01em}
h3{font-size:20px}
p{margin:0 0 1em}
a{color:var(--teal);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%}
.wrap{max-width:var(--max);margin:0 auto;padding:0 22px}
.sec{padding:72px 0}
.sec.tight{padding:52px 0}
.center{text-align:center}
.lead{font-size:19px;color:var(--muted);max-width:720px}
.center .lead{margin-left:auto;margin-right:auto}
.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:12.5px;font-weight:800;color:var(--teal);margin:0 0 12px}

/* buttons */
.btn{display:inline-block;font-weight:700;font-size:16px;padding:13px 24px;border-radius:10px;
  border:2px solid transparent;cursor:pointer;transition:.18s;text-decoration:none}
.btn-primary{background:var(--teal);color:#fff}
.btn-primary:hover{background:var(--teal-d);text-decoration:none}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}
.btn-ghost:hover{background:rgba(255,255,255,.12);text-decoration:none}
.btn-dark{background:var(--navy);color:#fff}
.btn-dark:hover{background:var(--navy-2);text-decoration:none}
.btn-outline{background:#fff;color:var(--navy);border-color:var(--line)}
.btn-outline:hover{border-color:var(--teal);color:var(--teal);text-decoration:none}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:blur(8px);
  border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:90px}
.brand{display:flex;align-items:center;gap:11px;font-weight:800;font-size:22px;color:var(--navy);text-decoration:none;letter-spacing:-.01em}
.brand .mark{width:38px;height:38px;border-radius:9px;background:linear-gradient(135deg,var(--teal),var(--navy));
  color:#fff;display:flex;align-items:center;justify-content:center;font-size:18px;font-weight:800}
.brand span.sub{display:block;font-size:11px;font-weight:600;color:var(--muted);letter-spacing:.02em;margin-top:-3px}
.logo-img{height:64px;width:auto;display:block}
.site-footer .logo-chip{display:inline-block;background:#fff;padding:8px 13px;border-radius:10px;line-height:0}
.site-footer .logo-chip img{height:40px;width:auto}
@media(max-width:680px){.logo-img{height:48px}}
.menu{display:flex;align-items:center;gap:26px;list-style:none;margin:0;padding:0}
.menu a{color:var(--ink);font-weight:600;font-size:15.5px}
.menu a:hover,.menu a.active{color:var(--teal);text-decoration:none}
.nav-cta{display:flex;align-items:center;gap:14px}
.nav-cta .btn{padding:9px 18px;font-size:14.5px}
.hamb{display:none;background:none;border:0;cursor:pointer;padding:8px;font-size:26px;color:var(--navy);line-height:1}

/* hero */
.hero{position:relative;color:#fff;background:linear-gradient(135deg,#1f7a3d 0%,#14293f 82%);overflow:hidden}
.hero::after{content:"";position:absolute;right:-140px;top:-120px;width:460px;height:460px;border-radius:50%;
  background:radial-gradient(circle at center,rgba(255,255,255,.10),transparent 70%)}
.hero .wrap{position:relative;z-index:2;padding:86px 22px 92px}
.hero h1{color:#fff;max-width:15ch}
.hero p{font-size:20px;color:rgba(255,255,255,.92);max-width:620px}
.hero .cta{display:flex;gap:14px;flex-wrap:wrap;margin-top:26px}
.hero .trust{margin-top:30px;font-size:14px;color:rgba(255,255,255,.8);border-top:1px solid rgba(255,255,255,.2);padding-top:18px;max-width:620px}
.hero .wrap.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:46px;align-items:center;padding:70px 22px 78px}
.hero-media{position:relative}
.hero-media img{width:100%;border-radius:16px;box-shadow:0 22px 55px rgba(0,0,0,.32);display:block}
.hero-badge{position:absolute;left:16px;bottom:16px;background:#fff;color:var(--navy);font-weight:700;font-size:14px;padding:8px 14px;border-radius:10px;box-shadow:var(--shadow)}
@media(max-width:820px){.hero .wrap.hero-grid{grid-template-columns:1fr;gap:26px;padding:54px 22px 58px}}

/* page banner (inner pages) */
.banner{background:linear-gradient(135deg,#14293f,#1f3a5f);color:#fff;padding:58px 0}
.banner h1{color:#fff;margin-bottom:.2em}
.banner p{color:rgba(255,255,255,.9);font-size:18px;margin:0;max-width:680px}

/* grid + cards */
.grid{display:grid;gap:22px}
.g-2{grid-template-columns:repeat(2,1fr)}
.g-3{grid-template-columns:repeat(3,1fr)}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.card h3{margin-top:6px}
.card .ic{width:46px;height:46px;border-radius:11px;background:var(--soft);color:var(--teal);
  display:flex;align-items:center;justify-content:center;font-size:22px;font-weight:800;margin-bottom:14px}
.card p{margin:0;color:var(--muted);font-size:15.5px}
.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}

/* feature row */
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center}
.checklist{list-style:none;margin:14px 0 0;padding:0}
.checklist li{position:relative;padding:8px 0 8px 34px;color:var(--ink)}
.checklist li::before{content:"✓";position:absolute;left:0;top:8px;width:22px;height:22px;border-radius:50%;
  background:var(--soft);color:var(--teal);font-weight:800;font-size:13px;display:flex;align-items:center;justify-content:center}

/* credentials */
.creds{list-style:none;margin:18px 0 0;padding:0;display:grid;gap:12px}
.creds li{background:#fff;border:1px solid var(--line);border-left:4px solid var(--teal);border-radius:0 10px 10px 0;
  padding:14px 18px;box-shadow:var(--shadow)}
.creds b{color:var(--navy)}
.creds small{display:block;color:var(--muted);font-size:14px;margin-top:2px}

/* CTA band */
.band{background:var(--navy);color:#fff;text-align:center}
.band h2{color:#fff}
.band p{color:rgba(255,255,255,.88);max-width:640px;margin:0 auto 22px}

/* contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.info-block{margin-bottom:22px}
.info-block .lbl{font-size:12.5px;text-transform:uppercase;letter-spacing:.08em;color:var(--teal);font-weight:800;margin-bottom:4px}
form.cf label{display:block;font-weight:600;font-size:14.5px;margin:14px 0 6px;color:var(--navy)}
form.cf input,form.cf textarea{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:9px;font:inherit;background:#fff}
form.cf input:focus,form.cf textarea:focus{outline:2px solid var(--soft);border-color:var(--teal)}
form.cf button{margin-top:18px}
.embed-box{border:1px dashed #bcd3d1;background:#fafdfd;border-radius:12px;padding:18px;color:var(--muted);font-size:14.5px}
/* resource download cards */
.res-card{display:flex;flex-direction:column;gap:6px;background:#fff;border:1px solid var(--line);border-left:4px solid var(--teal);border-radius:0 12px 12px 0;padding:20px;box-shadow:var(--shadow);text-decoration:none}
.res-card:hover{border-color:var(--teal);box-shadow:0 10px 26px rgba(20,41,63,.12);text-decoration:none}
.res-ic{font-size:22px;color:var(--teal);font-weight:800;line-height:1}
.res-t{font-weight:750;color:var(--navy);font-size:17px}
.res-d{color:var(--muted);font-size:14.5px}
.note-sm{font-size:13.5px;color:var(--muted);margin-top:14px}

/* prose (privacy) */
.prose{max-width:820px}
.prose h2{margin-top:32px}
.prose p,.prose li{color:var(--ink)}

/* footer */
.site-footer{background:#0e1f30;color:#c7d3d9;padding:54px 0 26px;font-size:15px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:34px}
.site-footer h4{color:#fff;font-size:15px;margin:0 0 12px;letter-spacing:.02em}
.site-footer a{color:#c7d3d9}
.site-footer a:hover{color:#fff}
.site-footer .brand{color:#fff}
.site-footer .brand .sub{color:#8ba0ab}
.foot-list{list-style:none;margin:0;padding:0}
.foot-list li{margin:0 0 8px}
.foot-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:34px;padding-top:20px;font-size:12.8px;color:#8ba0ab}
.foot-bottom .creds-line{margin-top:8px}

/* responsive */
@media(max-width:900px){
  .g-3{grid-template-columns:1fr 1fr}
  .split{grid-template-columns:1fr;gap:28px}
  .contact-grid{grid-template-columns:1fr;gap:28px}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:680px){
  body{font-size:16px}
  .menu,.nav-cta .btn{display:none}
  .hamb{display:block}
  .menu.open{display:flex;position:absolute;top:74px;left:0;right:0;flex-direction:column;gap:0;
    background:#fff;border-bottom:1px solid var(--line);padding:8px 0}
  .menu.open li{width:100%}
  .menu.open a{display:block;padding:13px 22px;border-top:1px solid var(--line)}
  .g-2,.g-3,.foot-grid{grid-template-columns:1fr}
  .sec{padding:52px 0}
  .hero .wrap{padding:64px 22px}
}