/* Centric Risk Management — site styles */
:root {
  --navy-900: #0b1a2c;
  --navy-800: #11253d;
  --navy-700: #1a3554;
  --blue-500: #2f6fb3;
  --blue-100: #e6eef8;
  --copper-500: #b8743c;
  --copper-100: #f5ebe1;
  --ink: #1b2430;
  --muted: #5b6676;
  --line: #e3e7ed;
  --paper: #ffffff;
  --paper-2: #f6f7f9;
  --radius: 14px;
  --shadow: 0 1px 2px rgba(11, 26, 44, .06), 0 8px 24px rgba(11, 26, 44, .06);
  --max: 1160px;
  --serif: "Source Serif 4", Georgia, "Times New Roman", serif;
  --sans: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--blue-500); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--navy-700); }
h1, h2, h3 { font-family: var(--serif); font-weight: 600; line-height: 1.2; color: var(--navy-900); margin: 0 0 .5em; letter-spacing: -0.01em; }
h1 { font-size: clamp(2.1rem, 4.6vw, 3.4rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.3rem); }
h3 { font-size: 1.25rem; }
p { margin: 0 0 1em; }

.container { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 24px; }
@media (max-width: 600px) { .container { padding: 0 16px; } }

.skip-link { position: absolute; left: -999px; top: 8px; background: var(--navy-900); color: #fff; padding: 8px 14px; border-radius: 8px; z-index: 100; }
.skip-link:focus { left: 8px; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, .94);
  backdrop-filter: saturate(160%) blur(10px);
  border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 76px; gap: 24px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--navy-900); }
.brand-mark { width: 40px; height: 40px; flex: none; }
.brand-text { display: flex; flex-direction: column; line-height: 1.1; }
.brand-name { font-family: var(--serif); font-weight: 600; font-size: 1.25rem; letter-spacing: .01em; }
.brand-sub { font-size: .7rem; letter-spacing: .18em; text-transform: uppercase; color: var(--muted); }

.nav { display: flex; align-items: center; gap: 4px; }
.nav a {
  text-decoration: none; color: var(--ink); font-size: .95rem; font-weight: 500;
  padding: 8px 12px; border-radius: 8px;
}
.nav a:hover { background: var(--paper-2); color: var(--navy-900); }
.nav a[aria-current="page"] { color: var(--blue-500); }
.nav .btn { margin-left: 8px; }

.nav-toggle {
  display: none; background: none; border: 1px solid var(--line); border-radius: 10px;
  width: 44px; height: 44px; cursor: pointer; align-items: center; justify-content: center;
}
.nav-toggle span, .nav-toggle span::before, .nav-toggle span::after {
  display: block; width: 18px; height: 2px; background: var(--navy-900); position: relative; content: ""; transition: transform .2s;
}
.nav-toggle span::before { position: absolute; top: -6px; }
.nav-toggle span::after { position: absolute; top: 6px; }
.nav-open .nav-toggle span { background: transparent; }
.nav-open .nav-toggle span::before { transform: translateY(6px) rotate(45deg); }
.nav-open .nav-toggle span::after { transform: translateY(-6px) rotate(-45deg); }

@media (max-width: 900px) {
  .nav-toggle { display: inline-flex; }
  .nav {
    position: absolute; left: 0; right: 0; top: 76px;
    flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; border-bottom: 1px solid var(--line);
    padding: 8px 16px 20px; display: none;
    box-shadow: 0 12px 24px rgba(11, 26, 44, .08);
  }
  .nav-open .nav { display: flex; }
  .nav a { padding: 14px 8px; border-bottom: 1px solid var(--line); border-radius: 0; }
  .nav .btn { margin: 16px 0 0; text-align: center; border-bottom: none; border-radius: 999px; }
}

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 12px 22px; border-radius: 999px; font-weight: 600; font-size: .95rem;
  text-decoration: none; border: 1px solid transparent; cursor: pointer; font-family: inherit;
  transition: background .15s, color .15s, border-color .15s;
}
.nav a.btn, .btn-primary { background: var(--navy-900); color: #fff; }
.nav a.btn:hover, .btn-primary:hover { background: var(--navy-700); color: #fff; }
.btn-light { background: #fff; color: var(--navy-900); }
.btn-light:hover { background: var(--blue-100); color: var(--navy-900); }
.btn-ghost { background: transparent; color: #fff; border-color: rgba(255, 255, 255, .4); }
.btn-ghost:hover { border-color: #fff; color: #fff; background: rgba(255, 255, 255, .08); }
.btn-outline { background: transparent; color: var(--navy-900); border-color: var(--navy-900); }
.btn-outline:hover { background: var(--navy-900); color: #fff; }

/* Hero */
.hero {
  position: relative; overflow: hidden; color: #fff;
  background:
    radial-gradient(900px 500px at 85% -10%, rgba(47, 111, 179, .45), transparent 60%),
    radial-gradient(700px 400px at -10% 110%, rgba(184, 116, 60, .25), transparent 60%),
    var(--navy-900);
}
.hero::after {
  content: ""; position: absolute; inset: 0; pointer-events: none; opacity: .5;
  background-image: radial-gradient(rgba(255, 255, 255, .09) 1px, transparent 1px);
  background-size: 22px 22px;
  mask-image: linear-gradient(to bottom, #000 30%, transparent);
}
.hero .container { position: relative; z-index: 1; padding-top: 104px; padding-bottom: 112px; }
.hero h1 { color: #fff; max-width: 15ch; }
.hero .lead { font-size: 1.2rem; color: rgba(255, 255, 255, .82); max-width: 54ch; margin-bottom: 2rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.eyebrow {
  display: inline-block; font-size: .75rem; letter-spacing: .2em; text-transform: uppercase; font-weight: 600;
  color: var(--copper-500); margin-bottom: 1rem;
}
.hero .eyebrow { color: #e3b083; }
.hero-badges { display: flex; flex-wrap: wrap; gap: 28px; margin-top: 56px; padding-top: 28px; border-top: 1px solid rgba(255, 255, 255, .14); }
.hero-badges div { display: flex; flex-direction: column; }
.hero-badges strong { font-family: var(--serif); font-size: 1.6rem; font-weight: 600; }
.hero-badges span { font-size: .85rem; color: rgba(255, 255, 255, .7); }

.page-hero { background: var(--navy-900); color: #fff; position: relative; overflow: hidden; }
.page-hero::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(700px 360px at 90% 0%, rgba(47, 111, 179, .4), transparent 60%);
}
.page-hero .container { position: relative; padding-top: 80px; padding-bottom: 80px; }
.page-hero h1 { color: #fff; max-width: 20ch; }
.page-hero p { color: rgba(255, 255, 255, .82); font-size: 1.15rem; max-width: 60ch; margin: 0; }
.crumbs { font-size: .85rem; color: rgba(255, 255, 255, .6); margin-bottom: 1rem; }
.crumbs a { color: rgba(255, 255, 255, .8); text-decoration: none; }
.crumbs a:hover { color: #fff; }

/* Sections */
.section { padding: 96px 0; }
.section-alt { background: var(--paper-2); }
.section-head { max-width: 680px; margin-bottom: 48px; }
.section-head p { color: var(--muted); font-size: 1.1rem; }
@media (max-width: 600px) { .section { padding: 64px 0; } }

.grid { display: grid; gap: 24px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 900px) { .grid-3 { grid-template-columns: 1fr; } }
@media (max-width: 720px) { .grid-2 { grid-template-columns: 1fr; } }

.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 32px; box-shadow: var(--shadow); display: flex; flex-direction: column;
}
.card p { color: var(--muted); }
.card .more { margin-top: auto; font-weight: 600; text-decoration: none; display: inline-flex; gap: 6px; align-items: center; }
.card .more::after { content: "→"; transition: transform .15s; }
.card:hover .more::after { transform: translateX(3px); }
.card-icon {
  width: 52px; height: 52px; border-radius: 12px; display: grid; place-items: center;
  background: var(--blue-100); color: var(--blue-500); margin-bottom: 20px;
}
.card-icon.copper { background: var(--copper-100); color: var(--copper-500); }
.card-icon svg { width: 26px; height: 26px; }

.cover-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 16px; grid-template-columns: repeat(2, 1fr); }
@media (max-width: 720px) { .cover-list { grid-template-columns: 1fr; } }
.cover-list li {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px 24px 24px 64px; position: relative;
}
.cover-list li::before {
  content: ""; position: absolute; left: 24px; top: 27px; width: 22px; height: 22px; border-radius: 50%;
  background: var(--blue-100) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%232f6fb3' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center / 12px no-repeat;
}
.cover-list h3 { font-family: var(--sans); font-size: 1.05rem; font-weight: 600; margin-bottom: .25em; }
.cover-list p { margin: 0; color: var(--muted); font-size: .97rem; }

.split { display: grid; grid-template-columns: 1.1fr 1fr; gap: 64px; align-items: center; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; gap: 40px; } }

.panel {
  border-radius: 20px; padding: 40px; color: #fff; position: relative; overflow: hidden;
  background: linear-gradient(145deg, var(--navy-800), var(--navy-900));
}
.panel::after {
  content: ""; position: absolute; right: -80px; bottom: -80px; width: 260px; height: 260px; border-radius: 50%;
  background: radial-gradient(circle, rgba(184, 116, 60, .45), transparent 70%);
}
.panel h3 { color: #fff; }
.panel p, .panel li { color: rgba(255, 255, 255, .82); }
.panel ul { padding-left: 1.1em; margin: 0; }
.panel li { margin-bottom: .5em; }

.values { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; counter-reset: v; }
@media (max-width: 900px) { .values { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .values { grid-template-columns: 1fr; } }
.value { border-top: 2px solid var(--navy-900); padding-top: 20px; counter-increment: v; }
.value::before { content: "0" counter(v); font-family: var(--serif); color: var(--copper-500); font-size: .95rem; font-weight: 600; display: block; margin-bottom: 8px; }
.value h3 { font-size: 1.15rem; }
.value p { color: var(--muted); font-size: .97rem; margin: 0; }

.check-list { list-style: none; padding: 0; margin: 0 0 1.5em; }
.check-list li { padding-left: 32px; position: relative; margin-bottom: 12px; }
.check-list li::before { content: "✓"; position: absolute; left: 0; top: 0; color: var(--copper-500); font-weight: 700; }

/* CTA */
.cta { background: var(--navy-900); color: #fff; border-radius: 24px; padding: 56px; display: flex; align-items: center; justify-content: space-between; gap: 32px; flex-wrap: wrap; }
.cta h2 { color: #fff; margin-bottom: .25em; }
.cta p { color: rgba(255, 255, 255, .78); margin: 0; max-width: 52ch; }
.cta .hero-actions { flex: none; }
@media (max-width: 600px) { .cta { padding: 36px 24px; } }

/* Team */
.team { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
@media (max-width: 900px) { .team { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .team { grid-template-columns: 1fr; } }
.person { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
.person-photo { aspect-ratio: 4 / 3; background: linear-gradient(135deg, var(--blue-100), var(--copper-100)); display: grid; place-items: center; font-family: var(--serif); font-size: 2.6rem; color: var(--navy-700); }
.person-body { padding: 24px; }
.person-body h3 { margin-bottom: .1em; }
.person-role { color: var(--copper-500); font-weight: 600; font-size: .9rem; margin-bottom: .75em; }
.person-body p { color: var(--muted); font-size: .95rem; margin: 0; }

/* Contact */
.contact-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 48px; }
@media (max-width: 900px) { .contact-grid { grid-template-columns: 1fr; } }
.contact-item { display: flex; gap: 16px; margin-bottom: 28px; }
.contact-item .card-icon { margin: 0; flex: none; }
.contact-item h3 { font-family: var(--sans); font-size: .8rem; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); margin-bottom: .3em; font-weight: 600; }
.contact-item p { margin: 0; font-size: 1.05rem; }
.contact-item a { color: var(--navy-900); font-weight: 600; text-decoration: none; }
.contact-item a:hover { color: var(--blue-500); }
.map { border: 0; width: 100%; height: 300px; border-radius: var(--radius); margin-top: 8px; filter: grayscale(.3); }

.form { background: #fff; border: 1px solid var(--line); border-radius: 20px; padding: 36px; box-shadow: var(--shadow); }
@media (max-width: 600px) { .form { padding: 24px; } }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 600px) { .form-row { grid-template-columns: 1fr; } }
.field { margin-bottom: 18px; }
.field label { display: block; font-weight: 600; font-size: .9rem; margin-bottom: 6px; }
.field input, .field select, .field textarea {
  width: 100%; font: inherit; font-size: 1rem; padding: 12px 14px; border: 1px solid #cfd6df; border-radius: 10px; background: #fff; color: var(--ink);
}
.field textarea { min-height: 130px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: 2px solid var(--blue-500); outline-offset: 1px; border-color: transparent; }
.form-note { font-size: .82rem; color: var(--muted); margin-top: 14px; }
.form-status { margin-top: 14px; font-weight: 600; color: var(--navy-700); }

/* Footer */
.site-footer { background: var(--navy-900); color: rgba(255, 255, 255, .72); padding: 72px 0 32px; font-size: .95rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .footer-grid { grid-template-columns: 1fr; } }
.site-footer .brand { color: #fff; margin-bottom: 16px; }
.site-footer .brand-sub { color: rgba(255, 255, 255, .55); }
.site-footer h4 { color: #fff; font-size: .8rem; letter-spacing: .16em; text-transform: uppercase; margin: 0 0 16px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 10px; }
.site-footer a { color: rgba(255, 255, 255, .8); text-decoration: none; }
.site-footer a:hover { color: #fff; }
.footer-legal { border-top: 1px solid rgba(255, 255, 255, .12); margin-top: 56px; padding-top: 24px; display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; font-size: .85rem; color: rgba(255, 255, 255, .55); }

/* Reveal on scroll */
.js .reveal { opacity: 0; transform: translateY(16px); transition: opacity .6s ease, transform .6s ease; }
.js .reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .js .reveal { opacity: 1; transform: none; transition: none; }
}