/* FundHolding.co.uk — design system
   Self-hosted fonts only. No external requests. Mobile-first. */

@font-face {
  font-family: "Carlito";
  src: url("../fonts/carlito-regular.woff") format("woff");
  font-weight: 400;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: "Carlito";
  src: url("../fonts/carlito-italic.woff") format("woff");
  font-weight: 400;
  font-style: italic;
  font-display: swap;
}
@font-face {
  font-family: "Carlito";
  src: url("../fonts/carlito-bold.woff") format("woff");
  font-weight: 700;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: "Carlito";
  src: url("../fonts/carlito-bolditalic.woff") format("woff");
  font-weight: 700;
  font-style: italic;
  font-display: swap;
}
@font-face {
  font-family: "Caladea";
  src: url("../fonts/caladea-regular.woff") format("woff");
  font-weight: 400;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: "Caladea";
  src: url("../fonts/caladea-italic.woff") format("woff");
  font-weight: 400;
  font-style: italic;
  font-display: swap;
}
@font-face {
  font-family: "Caladea";
  src: url("../fonts/caladea-bold.woff") format("woff");
  font-weight: 700;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: "Caladea";
  src: url("../fonts/caladea-bolditalic.woff") format("woff");
  font-weight: 700;
  font-style: italic;
  font-display: swap;
}

:root {
  --navy-950: #0a1628;
  --navy-900: #0f2242;
  --navy-800: #163460;
  --navy-700: #1f4478;
  --navy-600: #2c5aa0;
  --gold-600: #a97e2b;
  --gold-500: #c69a3f;
  --gold-400: #d9b968;
  --gold-100: #f7edd6;
  --cream: #fbf9f4;
  --paper: #ffffff;
  --ink: #17212f;
  --ink-soft: #445064;
  --border: #e3e0d6;
  --success: #1b6b3a;
  --warn-bg: #fbf3e3;
  --warn-border: #e8c477;
  --warn-text: #5c4413;
  --shadow: 0 4px 18px rgba(15, 34, 66, 0.08);
  --radius: 10px;
  --max: 1180px;
  font-size: 100%;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Carlito", Arial, Helvetica, sans-serif;
  color: var(--ink);
  background: var(--cream);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, h4, .brand, .font-serif {
  font-family: "Caladea", Georgia, "Times New Roman", serif;
  color: var(--navy-900);
  line-height: 1.25;
  font-weight: 700;
}
h1 { font-size: 2.1rem; margin: 0 0 0.6em; }
h2 { font-size: 1.55rem; margin: 1.6em 0 0.6em; }
h3 { font-size: 1.2rem; margin: 1.3em 0 0.5em; color: var(--navy-800); }
p { margin: 0 0 1.1em; }
a { color: var(--navy-700); text-decoration-color: var(--gold-500); }
a:hover { color: var(--gold-600); }
ul, ol { padding-left: 1.4em; margin: 0 0 1.1em; }
li { margin-bottom: 0.4em; }
img { max-width: 100%; }
.container {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 1.25rem;
}

/* Skip link */
.skip-link {
  position: absolute; left: -999px; top: 0; background: var(--navy-900); color: #fff;
  padding: 0.6em 1em; z-index: 200; border-radius: 0 0 6px 0;
}
.skip-link:focus { left: 0; }

/* Top utility bar */
.top-bar {
  background: var(--navy-950);
  color: #cdd8ea;
  font-size: 0.82rem;
}
.top-bar .container { display: flex; justify-content: space-between; align-items: center; padding-top: 0.4rem; padding-bottom: 0.4rem; }
.top-bar a { color: #cdd8ea; }
.top-bar a:hover { color: var(--gold-400); }

/* Header / nav */
.site-header {
  background: var(--paper);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: var(--shadow);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.85rem 0;
  gap: 1rem;
}
.brand {
  font-size: 1.5rem;
  text-decoration: none;
  display: flex;
  align-items: baseline;
  gap: 0.35rem;
  white-space: nowrap;
}
.brand span.hold { color: var(--gold-600); }
.brand small { font-family: "Carlito", sans-serif; font-weight: 400; font-size: 0.62rem; color: var(--ink-soft); display: block; letter-spacing: 0.06em; text-transform: uppercase; }

.nav-toggle {
  display: none;
  background: none;
  border: 1px solid var(--border);
  border-radius: 6px;
  padding: 0.45rem 0.6rem;
  font-size: 1.1rem;
  cursor: pointer;
}

.main-nav { flex: 1; }
.main-nav > ul {
  list-style: none;
  display: flex;
  gap: 0.3rem;
  margin: 0;
  padding: 0;
  justify-content: flex-end;
  flex-wrap: wrap;
}
.main-nav > ul > li { position: relative; }
.main-nav > ul > li > a, .main-nav > ul > li > button.nav-link {
  display: inline-block;
  padding: 0.6rem 0.75rem;
  color: var(--navy-900);
  text-decoration: none;
  font-weight: 700;
  font-size: 0.92rem;
  border-radius: 6px;
  background: none;
  border: none;
  cursor: pointer;
  font-family: inherit;
}
.main-nav > ul > li > a:hover, .main-nav > ul > li > button.nav-link:hover,
.main-nav > ul > li.open > button.nav-link { background: var(--gold-100); color: var(--navy-900); }

.mega {
  display: none;
  position: absolute;
  left: 0;
  top: 100%;
  background: var(--paper);
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
  border-radius: var(--radius);
  padding: 1rem;
  min-width: 300px;
  z-index: 50;
}
.main-nav > ul > li.open .mega { display: block; }
.mega a { display: block; padding: 0.4rem 0.5rem; border-radius: 6px; color: var(--ink); text-decoration: none; font-size: 0.92rem; }
.mega a:hover { background: var(--cream); color: var(--navy-800); }
.mega .mega-heading { font-weight: 700; color: var(--gold-600); font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.05em; margin: 0.7rem 0 0.2rem; }
.mega .mega-heading:first-child { margin-top: 0; }

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--navy-950), var(--navy-800));
  color: #eef2f8;
  padding: 3.4rem 0 3rem;
}
.hero h1 { color: #fff; font-size: 2.5rem; max-width: 780px; }
.hero p.lead { color: #cdd8ea; font-size: 1.15rem; max-width: 640px; }
.hero .badge {
  display: inline-block;
  background: rgba(201, 154, 63, 0.18);
  border: 1px solid var(--gold-500);
  color: var(--gold-400);
  padding: 0.3rem 0.8rem;
  border-radius: 30px;
  font-size: 0.78rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-bottom: 1rem;
}
.hero-ctas { margin-top: 1.4rem; display: flex; gap: 0.8rem; flex-wrap: wrap; }

.btn {
  display: inline-block;
  padding: 0.7rem 1.3rem;
  border-radius: 8px;
  font-weight: 700;
  text-decoration: none;
  font-size: 0.95rem;
  border: 2px solid transparent;
  cursor: pointer;
}
.btn-gold { background: var(--gold-500); color: var(--navy-950); }
.btn-gold:hover { background: var(--gold-400); color: var(--navy-950); }
.btn-outline { border-color: rgba(255,255,255,0.5); color: #fff; }
.btn-outline:hover { border-color: var(--gold-400); color: var(--gold-400); }
.btn-navy { background: var(--navy-800); color: #fff; }
.btn-navy:hover { background: var(--navy-700); color: #fff; }

/* Section blocks */
.section-block { padding: 3rem 0; }
.section-block.alt { background: var(--paper); }
.section-head { max-width: 720px; margin: 0 auto 2rem; text-align: center; }
.section-head .kicker { color: var(--gold-600); font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; font-size: 0.8rem; }

.grid {
  display: grid;
  gap: 1.4rem;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
}

.card {
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.4rem;
  box-shadow: var(--shadow);
  display: flex;
  flex-direction: column;
  text-decoration: none;
  color: inherit;
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}
.card:hover { transform: translateY(-3px); box-shadow: 0 10px 26px rgba(15,34,66,0.14); }
.card .num { color: var(--gold-600); font-weight: 700; font-family: "Caladea", serif; font-size: 1.6rem; }
.card h3 { margin-top: 0.3rem; }
.card p { color: var(--ink-soft); font-size: 0.95rem; margin-bottom: 0.6rem; }
.card .card-cta { margin-top: auto; font-weight: 700; color: var(--navy-700); font-size: 0.9rem; }

.article-card { padding: 1.1rem 1.3rem; }
.article-card h3 { font-size: 1.05rem; margin: 0.2rem 0 0.4rem; }
.article-card p { font-size: 0.9rem; }

/* Breadcrumbs */
.breadcrumbs {
  font-size: 0.85rem;
  color: var(--ink-soft);
  padding: 0.9rem 0;
}
.breadcrumbs a { color: var(--ink-soft); text-decoration: none; }
.breadcrumbs a:hover { color: var(--navy-700); text-decoration: underline; }
.breadcrumbs .sep { margin: 0 0.4em; color: var(--border); }

/* Page header (non-hero pages) */
.page-header { background: var(--navy-900); color: #fff; padding: 2.2rem 0 2rem; }
.page-header h1 { color: #fff; margin-bottom: 0.5rem; }
.page-header p { color: #cdd8ea; max-width: 700px; margin: 0; }

/* Article layout */
.article-wrap { padding: 2.4rem 0 3.5rem; }
.article-grid { display: grid; grid-template-columns: minmax(0,1fr); gap: 2.2rem; }
@media (min-width: 900px) {
  .article-grid { grid-template-columns: minmax(0, 3fr) minmax(220px, 1fr); }
}
.article-meta { color: var(--ink-soft); font-size: 0.88rem; margin-bottom: 1.4rem; display: flex; gap: 0.9rem; flex-wrap: wrap; }
.article-content h2 { border-bottom: 2px solid var(--gold-100); padding-bottom: 0.3rem; }
.article-content table { width: 100%; border-collapse: collapse; margin: 1.2em 0; font-size: 0.93rem; }
.article-content th, .article-content td { border: 1px solid var(--border); padding: 0.55em 0.7em; text-align: left; }
.article-content th { background: var(--navy-900); color: #fff; }
.article-content tr:nth-child(even) td { background: #f6f4ee; }
.article-content blockquote {
  margin: 1.2em 0; padding: 0.9em 1.2em; border-left: 4px solid var(--gold-500);
  background: var(--paper); border-radius: 0 8px 8px 0; color: var(--ink-soft); font-style: italic;
}

/* Advice warning box */
.advice-box {
  background: var(--warn-bg);
  border: 1px solid var(--warn-border);
  color: var(--warn-text);
  border-radius: var(--radius);
  padding: 1rem 1.2rem;
  font-size: 0.92rem;
  margin: 1.6rem 0 2rem;
  display: flex;
  gap: 0.7rem;
}
.advice-box .icon { font-size: 1.3rem; line-height: 1; flex-shrink: 0; }
.advice-box strong { color: #47340d; }
.advice-box.footer-note { margin-top: 2.4rem; }

/* Sidebar */
.sidebar { }
.sidebar-box {
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.2rem;
  margin-bottom: 1.4rem;
  box-shadow: var(--shadow);
}
.sidebar-box h4 { margin-top: 0; font-size: 1rem; }
.sidebar-box ul { list-style: none; padding: 0; margin: 0; }
.sidebar-box li { border-bottom: 1px dashed var(--border); padding: 0.5em 0; margin: 0; font-size: 0.9rem; }
.sidebar-box li:last-child { border-bottom: none; }
.sidebar-box li a { text-decoration: none; }
.sidebar-box.cta { background: var(--navy-900); border-color: var(--navy-900); color: #fff; }
.sidebar-box.cta h4 { color: #fff; }
.sidebar-box.cta p { color: #cdd8ea; font-size: 0.9rem; }

/* Footer */
.site-footer { background: var(--navy-950); color: #b9c5da; padding: 3rem 0 1.4rem; margin-top: 2rem; }
.footer-grid { display: grid; gap: 2rem; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); }
.footer-grid h4 { color: var(--gold-400); font-family: "Carlito", sans-serif; font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.06em; margin: 0 0 0.9rem; }
.footer-grid ul { list-style: none; padding: 0; margin: 0; }
.footer-grid li { margin-bottom: 0.5em; font-size: 0.9rem; }
.footer-grid a { color: #b9c5da; text-decoration: none; }
.footer-grid a:hover { color: var(--gold-400); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  margin-top: 2.2rem;
  padding-top: 1.2rem;
  font-size: 0.82rem;
  color: #8697b3;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 0.6rem;
}
.footer-bottom a { color: #8697b3; }
.footer-disclaimer { font-size: 0.8rem; color: #8697b3; max-width: 900px; margin: 1.4rem 0 0; line-height: 1.6; }

/* Forms */
.form-box { background: var(--paper); border: 1px solid var(--border); border-radius: var(--radius); padding: 1.6rem; box-shadow: var(--shadow); max-width: 640px; }
.field { margin-bottom: 1.1rem; }
.field label { display: block; font-weight: 700; margin-bottom: 0.35rem; font-size: 0.92rem; color: var(--navy-900); }
.field input, .field textarea, .field select {
  width: 100%; padding: 0.65rem 0.8rem; border: 1px solid var(--border); border-radius: 8px;
  font-family: inherit; font-size: 0.95rem; background: var(--cream);
}
.field input:focus, .field textarea:focus { outline: 2px solid var(--gold-500); outline-offset: 1px; background: var(--paper); }
.hp-field { position: absolute; left: -9999px; top: -9999px; opacity: 0; height: 0; width: 0; overflow: hidden; }
.form-alert { border-radius: 8px; padding: 0.9rem 1.1rem; margin-bottom: 1.2rem; font-size: 0.92rem; }
.form-alert.success { background: #e7f3ec; border: 1px solid #a9d6bc; color: var(--success); }
.form-alert.error { background: #fbeaea; border: 1px solid #e5b3b3; color: #8a2b2b; }

/* Utility */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.small { font-size: 0.85rem; color: var(--ink-soft); }
.tag { display: inline-block; background: var(--gold-100); color: var(--gold-600); font-weight: 700; font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.04em; padding: 0.2em 0.6em; border-radius: 20px; margin-bottom: 0.5rem; }
.kv-list { list-style: none; padding: 0; }
.kv-list li { display: flex; justify-content: space-between; gap: 1rem; border-bottom: 1px dashed var(--border); padding: 0.5em 0; }

/* Mobile */
@media (max-width: 860px) {
  .nav-toggle { display: inline-block; }
  .main-nav {
    display: none;
    position: absolute; left: 0; right: 0; top: 100%;
    background: var(--paper); border-top: 1px solid var(--border); box-shadow: var(--shadow);
    max-height: 80vh; overflow-y: auto;
  }
  .main-nav.open { display: block; }
  .main-nav > ul { flex-direction: column; padding: 0.6rem; }
  .main-nav > ul > li > a, .main-nav > ul > li > button.nav-link { display: block; width: 100%; text-align: left; }
  .mega { position: static; box-shadow: none; border: none; padding-left: 0.8rem; min-width: 0; }
  .site-header { position: relative; }
  .hero h1 { font-size: 1.9rem; }
}