/* Quiver Cashflow site styles */
@font-face{font-family:'Josefin Sans';src:url('../fonts/JosefinSans-Regular.ttf') format('truetype');font-weight:400;font-display:swap;}
@font-face{font-family:'Josefin Sans';src:url('../fonts/JosefinSans-Bold.ttf') format('truetype');font-weight:700;font-display:swap;}
@font-face{font-family:'Montserrat';src:url('../fonts/Montserrat-Regular.ttf') format('truetype');font-weight:400;font-display:swap;}
@font-face{font-family:'Montserrat';src:url('../fonts/Montserrat-Semibold.ttf') format('truetype');font-weight:600;font-display:swap;}

:root{
  --navy:#141B50;
  --blue:#001E73;
  --sky:#7CB0EC;
  --gold:#E6BA20;
  --orange:#E48213;
  --ink:#1c2333;
  --paper:#ffffff;
  --paper-soft:#f6f8fc;
}
*{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{font-family:'Montserrat',sans-serif;color:var(--ink);background:var(--paper);line-height:1.65;}
h1,h2,h3,h4{font-family:'Josefin Sans',sans-serif;line-height:1.2;font-weight:700;}
img{max-width:100%;height:auto;display:block;}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px;}

/* Buttons */
.btn{display:inline-block;background:var(--gold);color:var(--navy);font-family:'Josefin Sans',sans-serif;font-weight:700;letter-spacing:.04em;text-decoration:none;padding:16px 34px;border-radius:6px;font-size:16px;transition:transform .15s ease, background .15s ease;box-shadow:0 4px 14px rgba(20,27,80,.25);border:none;cursor:pointer;}
.btn:hover{background:var(--orange);color:#fff;transform:translateY(-2px);}
.btn-row{text-align:center;padding:48px 0;}

/* Header */
header.site{position:sticky;top:0;z-index:50;background:var(--navy);box-shadow:0 2px 12px rgba(0,0,0,.25);}
.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:14px 0;}
.nav .logo img{width:170px;}
.nav-links{display:flex;align-items:center;gap:28px;}
.nav-links a{color:#fff;text-decoration:none;font-family:'Josefin Sans',sans-serif;font-weight:600;font-size:16px;padding-bottom:3px;border-bottom:2px solid transparent;transition:border-color .15s ease,color .15s ease;}
.nav-links a:hover,.nav-links a.active{border-color:var(--gold);color:var(--gold);}
.nav .btn{padding:12px 22px;font-size:14px;}

/* Hero */
.hero{background:linear-gradient(rgba(20,27,80,.94),rgba(0,30,115,.90)), url('../img/pattern-blue.png');background-size:auto,420px;color:#fff;padding:110px 0 120px;position:relative;overflow:hidden;}
.hero .eyebrow{font-family:'Josefin Sans',sans-serif;color:var(--gold);letter-spacing:.22em;text-transform:uppercase;font-size:14px;font-weight:600;margin-bottom:18px;}
.hero h1{font-size:clamp(38px,6vw,64px);max-width:760px;margin-bottom:24px;}
.hero p{max-width:640px;font-size:18px;color:#e8edf9;margin-bottom:36px;}
.hero p b{color:#fff;}
.hero .accent{position:absolute;right:-40px;bottom:-30px;width:340px;opacity:.35;pointer-events:none;}
.hero.slim{padding:80px 0;}

/* Certificates strip */
.certs{background:var(--paper-soft);padding:56px 0;}
.certs .row{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;align-items:center;}
.certs .row-2{grid-template-columns:repeat(2,1fr);max-width:760px;margin:0 auto;}
.cert-card{border:2px solid var(--gold);border-radius:10px;padding:28px 18px;text-align:center;background:#fff;}
.cert-card .glyph{font-size:34px;color:var(--gold);line-height:1;margin-bottom:10px;font-family:'Josefin Sans',sans-serif;font-weight:700;}
.cert-card h4{color:var(--navy);font-size:17px;font-weight:600;}
.cert-card small{display:block;color:#8a90a5;margin-top:6px;font-size:12px;}

/* Sections */
.section{padding:84px 0;}
.section-head{text-align:center;max-width:820px;margin:0 auto 52px;}
.section-head .kicker{font-family:'Josefin Sans',sans-serif;color:var(--orange);letter-spacing:.18em;text-transform:uppercase;font-size:14px;font-weight:600;margin-bottom:10px;}
.section-head h2{color:var(--navy);font-size:clamp(28px,4vw,40px);}
.on-dark .section-head h2{color:#fff;}
.on-dark .section-head .kicker{color:var(--gold);}

/* Flip cards */
.flip-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}
.flip{perspective:1200px;min-height:340px;}
.flip-inner{position:relative;width:100%;height:100%;min-height:340px;transition:transform .6s;transform-style:preserve-3d;cursor:pointer;}
.flip:hover .flip-inner,.flip.tapped .flip-inner{transform:rotateY(180deg);}
.flip-face{position:absolute;inset:0;backface-visibility:hidden;border-radius:12px;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;padding:34px 26px;}
.flip-front{background:var(--navy);color:#fff;box-shadow:0 10px 28px rgba(20,27,80,.28);}
.flip-front img{width:88px;height:88px;object-fit:contain;margin-bottom:22px;}
.flip-front h3{font-size:21px;font-weight:600;}
.flip-back{background:var(--gold);color:var(--navy);transform:rotateY(180deg);box-shadow:0 10px 28px rgba(20,27,80,.28);}
.flip-back p{font-size:15px;font-weight:500;}
.flip-hint{text-align:center;color:#8a90a5;font-size:13px;margin-top:18px;}

/* Split layouts */
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;}
.split h2{color:var(--navy);font-size:clamp(28px,3.6vw,38px);margin-bottom:20px;}
.split p{font-size:17px;margin-bottom:30px;}
.confidence{background:var(--paper-soft);}
.photo-slot{border-radius:14px;overflow:hidden;position:relative;background:linear-gradient(rgba(20,27,80,.55),rgba(20,27,80,.55)),url('../img/pattern-blue-gold.png');background-size:cover,380px;min-height:360px;display:flex;align-items:center;justify-content:center;border:2px dashed rgba(230,186,32,.7);}
.photo-slot span{color:#fff;font-family:'Josefin Sans',sans-serif;font-weight:600;letter-spacing:.08em;background:rgba(20,27,80,.7);padding:10px 18px;border-radius:6px;font-size:14px;}
.photo-slot img{width:100%;height:100%;object-fit:cover;}
.photo-slot.filled{border:none;background:none;box-shadow:0 12px 32px rgba(20,27,80,.22);}
.photo-portrait{border-radius:14px;overflow:hidden;box-shadow:0 12px 32px rgba(20,27,80,.22);}
.photo-portrait img{width:100%;display:block;}
.photo-banner{border-radius:14px;overflow:hidden;box-shadow:0 12px 32px rgba(20,27,80,.22);margin:52px auto 0;max-width:980px;}
.photo-banner img{width:100%;display:block;}

/* Benefits trio */
.benefits{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}
.benefit{background:#fff;border-radius:12px;padding:36px 30px;box-shadow:0 8px 26px rgba(20,27,80,.10);border-top:5px solid var(--gold);}
.benefit h4{color:var(--navy);font-size:20px;margin-bottom:12px;font-weight:600;}
.benefit p{font-size:15px;}

/* Past clients */
.clients{background:var(--navy);}
.client-badges{display:flex;flex-wrap:wrap;justify-content:center;gap:18px;}
.client-badge{border:1px solid rgba(124,176,236,.5);color:#dfe9fb;font-family:'Josefin Sans',sans-serif;font-weight:600;letter-spacing:.06em;padding:16px 28px;border-radius:8px;font-size:16px;background:rgba(0,30,115,.35);}
.client-badge img{height:52px;width:auto;}
.client-logo{background:#fff;border-radius:8px;padding:14px 24px;display:flex;align-items:center;justify-content:center;min-height:88px;box-shadow:0 6px 18px rgba(0,0,0,.25);}
.client-logo img{max-height:60px;max-width:190px;width:auto;height:auto;object-fit:contain;}
.client-badges .client-badge{display:flex;align-items:center;min-height:88px;}

/* Testimonials */
.testis{display:grid;grid-template-columns:1fr 1fr;gap:32px;max-width:960px;margin:0 auto;}
.testi{background:#fff;border-radius:12px;padding:38px 34px;box-shadow:0 10px 30px rgba(20,27,80,.12);border-left:5px solid var(--gold);}
.testi p.quote{font-size:16.5px;font-style:italic;margin-bottom:18px;}
.stars{color:var(--gold);letter-spacing:3px;font-size:18px;margin-bottom:14px;}
.testi .who{font-family:'Josefin Sans',sans-serif;font-weight:700;color:var(--navy);}
.testi .co{font-size:14px;color:#7a809a;}

/* About */
.about{background:var(--paper-soft);}
.about .body{max-width:880px;margin:0 auto;font-size:16.5px;}
.about .body p{margin-bottom:20px;}
.about h2{text-align:center;color:var(--navy);font-size:clamp(28px,4vw,38px);margin-bottom:34px;}

/* Contact */
.contact{background:linear-gradient(rgba(20,27,80,.95),rgba(0,30,115,.93)),url('../img/pattern-blue.png');background-size:auto,420px;color:#fff;}
.contact .split{align-items:start;}
.contact h2{color:#fff;font-size:clamp(28px,4vw,40px);margin-bottom:22px;}
.contact h2 i{color:var(--gold);}
.contact p{color:#e4eaf8;font-size:17px;}
.contact p b{color:var(--gold);}
.form-shell{background:#fff;border-radius:12px;padding:32px 28px;box-shadow:0 16px 44px rgba(0,0,0,.35);}
.form-shell label{display:block;font-family:'Josefin Sans',sans-serif;font-weight:600;color:var(--navy);font-size:14px;margin:16px 0 6px;}
.form-shell label:first-of-type{margin-top:0;}
.form-shell input,.form-shell textarea{width:100%;padding:12px 14px;border:1.5px solid #cdd4e6;border-radius:6px;font-family:'Montserrat',sans-serif;font-size:15px;color:var(--ink);}
.form-shell input:focus,.form-shell textarea:focus{outline:none;border-color:var(--blue);}
.form-shell .btn{width:100%;margin-top:22px;text-align:center;}
.contact-direct{margin-top:26px;font-size:15px;}
.contact-direct a{color:var(--gold);text-decoration:none;}

/* Footer */
footer.site{background:var(--navy);color:#c9d2ec;padding:64px 0 44px;}
.foot-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:44px;align-items:start;}
.foot-grid img.primary{width:200px;margin-bottom:14px;}
.foot-grid img.mark{width:92px;margin-bottom:14px;}
.foot-grid h5{font-family:'Josefin Sans',sans-serif;color:#fff;font-size:17px;margin-bottom:16px;font-weight:600;}
.foot-grid ul{list-style:none;}
.foot-grid li{margin-bottom:10px;font-size:15px;}
.foot-grid a{color:#c9d2ec;text-decoration:none;}
.foot-grid a:hover{color:var(--gold);}
.footnote{border-top:1px solid rgba(124,176,236,.25);margin-top:44px;padding-top:22px;text-align:center;font-size:13px;color:#8fa3d9;}

/* Responsive */
@media (max-width:920px){
  .flip-grid,.benefits,.certs .row{grid-template-columns:1fr 1fr;}
  .split,.testis,.contact .split{grid-template-columns:1fr;}
  .foot-grid{grid-template-columns:1fr;}
}
@media (max-width:640px){
  .flip-grid,.benefits,.certs .row{grid-template-columns:1fr;}
  .nav-links{gap:16px;}
  .nav .btn{display:none;}
  .hero{padding:72px 0 84px;}
  .section{padding:60px 0;}
}