/* ===========================================
   Money Traders — Design System
   =========================================== */

:root {
  /* "Navy" and "gold" now point at the brighter teal + amber brand
     colours — kept as the same variable names so every existing rule
     in this file (buttons, headers, footers, cards...) picks up the
     new palette automatically. */
  --navy: #0a6e6e;
  --navy-light: #0f8a8a;
  --gold: #ffb800;
  --gold-light: #ffcb4d;
  --gold-dark: #cc8f00;
  --coral: #ff5a4e;
  --coral-dark: #e6473c;
  --cream: #fff9ec;
  --white: #ffffff;
  --grey-900: #1a1a1a;
  --grey-700: #4a4f5a;
  --grey-400: #9aa1ad;
  --grey-200: #e6e8ec;
  --grey-100: #f4f5f7;
  --success: #2e7d4f;

  --radius: 20px;
  --radius-sm: 12px;
  --shadow: 0 4px 20px rgba(10, 110, 110, 0.10);
  --shadow-lg: 0 12px 40px rgba(10, 110, 110, 0.16);
  --max-width: 1180px;

  --font-head: "Nunito", "Segoe UI", sans-serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
}

* { box-sizing: border-box; }
html {
  scroll-behavior: smooth;
  /* Bumps the base size all rem units cascade from (16px -> 18px) so body
     copy — card descriptions, paragraphs, nav — reads comfortably on mobile. */
  font-size: 112.5%;
  -webkit-text-size-adjust: 100%;
}
body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--grey-900);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
h1, h2, h3, h4 {
  font-family: var(--font-head);
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -0.01em;
  margin: 0 0 0.5em;
  color: var(--navy);
}
h1 { font-size: clamp(2.1rem, 4.5vw, 3.4rem); font-weight: 900; }
h2 { font-size: clamp(1.9rem, 3.6vw, 2.7rem); font-weight: 800; }
h3 { font-size: 1.25rem; }
p { margin: 0 0 1em; color: var(--grey-700); }
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}
.section { padding: 72px 0; }
.section-tight { padding: 40px 0; }
.section-alt { background: var(--grey-100); }
.section-navy {
  background: var(--navy);
  color: var(--white);
}
.section-navy h1, .section-navy h2, .section-navy h3, .section-navy h4 { color: var(--white); }
.section-navy p { color: rgba(255,255,255,0.75); }

/* Any heading on a dark teal background must render white, not the default teal heading color */
.page-hero h1, .page-hero h2, .page-hero h3, .page-hero h4,
.cta-band h1, .cta-band h2, .cta-band h3, .cta-band h4 {
  color: var(--white);
}
/* The homepage hero sits on bright amber, so headings stay dark ink for contrast */
.hero h1, .hero h2, .hero h3, .hero h4 { color: var(--grey-900); }
.eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--coral);
  margin-bottom: 10px;
}
.hero .eyebrow { color: var(--coral-dark); }
.center { text-align: center; }
.section-head { max-width: 640px; margin: 0 auto 44px; }
.section-head.left { margin: 0 0 44px; }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 100px;
  font-weight: 800;
  font-size: 0.95rem;
  cursor: pointer;
  border: 2px solid transparent;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease, color 0.15s ease;
}
.btn:hover { transform: translateY(-2px); }
.btn-gold { background: var(--gold); color: var(--grey-900); box-shadow: 0 5px 0 var(--gold-dark); }
.btn-gold:hover { background: var(--gold-light); }
.btn-coral { background: var(--coral); color: var(--white); box-shadow: 0 5px 0 var(--coral-dark); }
.btn-coral:hover { background: #ff7266; }
.btn-outline { border-color: rgba(255,255,255,0.5); color: var(--white); }
.btn-outline:hover { border-color: var(--white); background: rgba(255,255,255,0.12); }
.btn-navy { background: var(--navy); color: var(--white); box-shadow: 0 5px 0 var(--navy-light); }
.btn-navy:hover { background: var(--navy-light); }
.btn-ghost { border-color: var(--grey-200); color: var(--navy); }
.btn-ghost:hover { border-color: var(--navy); }
.btn-row { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 28px; }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--navy);
}
.header-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 10px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: nowrap;
}
.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 1.3rem;
  color: var(--navy);
  flex-shrink: 0;
}
.brand-logo {
  height: 38px;
  width: auto;
  display: block;
}
nav.main-nav {
  display: flex;
  align-items: center;
  flex-wrap: nowrap;
  gap: clamp(10px, 1.6vw, 26px);
  min-width: 0;
}
nav.main-nav a {
  font-size: clamp(0.76rem, 1vw, 0.94rem);
  font-weight: 700;
  color: rgba(255,255,255,0.85);
  padding: 6px 0;
  border-bottom: 2px solid transparent;
  white-space: nowrap;
}
nav.main-nav a:hover,
nav.main-nav a.active { color: var(--white); border-color: var(--gold); }
.header-cta { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
.header-phone {
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--white);
  white-space: nowrap;
}
.header-cta .btn-navy { background: var(--coral); box-shadow: 0 4px 0 var(--coral-dark); }
.header-cta .btn-navy:hover { background: #ff7266; }
.nav-toggle {
  display: none;
  background: none; border: none; cursor: pointer;
  padding: 6px;
  color: var(--white);
}
.nav-toggle svg { width: 26px; height: 26px; }

@media (max-width: 1200px) {
  .header-phone { display: none; }
}

@media (max-width: 1080px) {
  nav.main-nav {
    position: fixed;
    top: 76px; left: 0; right: 0; bottom: 0;
    background: var(--white);
    flex-direction: column;
    align-items: flex-start;
    padding: 24px;
    gap: 4px;
    transform: translateX(100%);
    transition: transform 0.25s ease;
    overflow-y: auto;
  }
  nav.main-nav.open { transform: translateX(0); }
  nav.main-nav a { width: 100%; padding: 14px 0; border-bottom: 1px solid var(--grey-200); font-size: 1rem; color: var(--navy); }
  nav.main-nav a:hover, nav.main-nav a.active { color: var(--coral); }
  .nav-toggle { display: block; }
}

@media (max-width: 420px) {
  .brand-logo { height: 46px; }
}

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold) 55%, var(--gold-light) 100%);
  color: var(--grey-900);
  padding: 64px 0 76px;
  overflow: hidden;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 48px;
  align-items: center;
}
@media (max-width: 900px) { .hero-grid { grid-template-columns: 1fr; text-align: center; } }
.hero p.lead { font-size: 1.1rem; color: #3a3220; max-width: 520px; }
@media (max-width: 900px) { .hero p.lead { margin-left: auto; margin-right: auto; } }
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--grey-900); color: var(--white);
  font-weight: 800; font-size: 0.82rem;
  padding: 8px 16px; border-radius: 100px; margin-bottom: 18px;
}
.hero-media {
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.hero-photo { position: relative; display: flex; justify-content: center; align-items: center; }
.hero-circle {
  width: 300px; height: 300px; border-radius: 50%; background: var(--white);
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 20px 50px rgba(0,0,0,0.15);
}
.hero-circle img { width: 68%; height: 68%; object-fit: contain; }
.hero-starburst {
  position: absolute; top: -6px; right: 6%;
  background: var(--coral); color: var(--white);
  width: 108px; height: 108px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center; text-align: center;
  font-weight: 900; font-size: 13px; line-height: 1.2; transform: rotate(10deg);
  box-shadow: 0 8px 20px rgba(0,0,0,0.2);
}
@media (max-width: 900px) { .hero-photo { margin-top: 20px; } }
/* Service icon strip — overlaps the bottom of the hero */
.services-overlap {
  position: relative;
  z-index: 5;
  margin-top: -24px;
}
.services-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
}
.service-chip {
  flex: 1;
  min-width: 220px;
  background: var(--white);
  border-radius: var(--radius);
  padding: 26px 22px;
  box-shadow: var(--shadow-lg);
  text-align: center;
}
.service-icon {
  width: 56px; height: 56px; border-radius: 50%;
  margin: 0 auto 14px;
  display: flex; align-items: center; justify-content: center;
  color: var(--white);
  font-size: 26px; line-height: 1;
}
.service-chip h3 { font-size: 1.05rem; margin-bottom: 4px; }
.service-chip p { font-size: 0.85rem; color: var(--grey-400); margin: 0; }
@media (max-width: 900px) {
  .services-overlap { margin-top: -16px; }
  .services-grid { gap: 14px; }
  .service-chip { min-width: 45%; padding: 20px 16px; }
}
@media (max-width: 560px) {
  .service-chip { min-width: 100%; }
}

.trust-bar {
  background: var(--white);
  border-bottom: 1px solid var(--grey-200);
}
.trust-bar .container {
  display: flex;
  flex-wrap: wrap;
  gap: 28px;
  justify-content: space-between;
  padding: 20px 24px;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--grey-700);
}
.trust-item .dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--gold);
  flex-shrink: 0;
}

/* Cards */
.grid { display: grid; gap: 24px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.grid-live-prices { grid-template-columns: 1.5fr 1fr; align-items: center; }

.live-prices-card { padding: 28px; }
.live-prices-head {
  display: flex; align-items: baseline; justify-content: space-between;
  gap: 12px; flex-wrap: wrap; margin-bottom: 14px;
}
.live-prices-head h3 { margin: 0; }
.live-prices-updated { font-size: 0.82rem; color: var(--grey-400); font-weight: 600; }
.live-prices-table { width: 100%; border-collapse: collapse; margin-bottom: 18px; }
.live-prices-table:last-of-type { margin-bottom: 4px; }
.live-prices-table th {
  text-align: left; font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.04em;
  color: var(--white); background: var(--navy);
  padding: 8px 14px;
}
.live-prices-table th:last-child, .live-prices-table td:last-child { text-align: right; }
.live-prices-table th:first-child { border-radius: var(--radius-sm) 0 0 var(--radius-sm); }
.live-prices-table th:last-child { border-radius: 0 var(--radius-sm) var(--radius-sm) 0; }
.live-prices-table td {
  padding: 9px 14px; border-bottom: 1px solid var(--grey-200);
  font-weight: 700; font-size: 0.95rem;
}
.live-prices-table td:last-child { color: var(--gold-dark); }
.live-prices-note { font-size: 0.8rem; color: var(--grey-400); margin: 0; }
@media (max-width: 900px) { .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; } }
@media (max-width: 900px) { .grid-live-prices { grid-template-columns: 1fr; } }

.card {
  background: var(--white);
  border: 1px solid var(--grey-200);
  border-radius: var(--radius);
  overflow: hidden;
  transition: box-shadow 0.2s ease, transform 0.2s ease;
  display: flex;
  flex-direction: column;
}
.card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.card img { width: 100%; height: auto; display: block; }
.card-body { padding: 22px; flex: 1; display: flex; flex-direction: column; }
.card-body h3 { margin-bottom: 8px; }
.card-body p { flex: 1; }
.card-link { font-weight: 700; color: var(--navy); font-size: 0.95rem; }
.card-link::after { content: " →"; }

.step {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}
.step-num {
  width: 80px; height: 80px; border-radius: 50%;
  background: var(--gold); color: var(--grey-900);
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; flex-shrink: 0;
  font-family: var(--font-head);
  font-size: 2rem;
  margin-bottom: 16px;
}
.step h4 { margin: 0 0 4px; font-size: 1.05rem; color: var(--navy); }
.step p { margin: 0; font-size: 0.95rem; }

/* Feature list */
.feature-row {
  display: flex;
  gap: 16px;
  padding: 20px 0;
  border-bottom: 1px solid var(--grey-200);
}
.feature-row:last-child { border-bottom: none; }
.feature-icon {
  width: 44px; height: 44px; border-radius: var(--radius-sm);
  background: rgba(255,184,0,0.16);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; color: var(--gold-dark);
  font-weight: 800;
}

/* Location cards */
.location-card {
  background: var(--white);
  border: 1px solid var(--grey-200);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
}
.location-card h3 { display: flex; align-items: center; gap: 10px; }
.location-meta { display: flex; flex-direction: column; gap: 8px; margin: 16px 0; font-size: 0.95rem; }
.location-meta strong { color: var(--navy); }
.map-embed {
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--grey-200);
  margin-top: 16px;
}
.map-embed iframe { width: 100%; height: 260px; border: 0; display: block; }

/* Testimonials */
.testimonial-card {
  background: var(--white);
  border: 1px solid var(--grey-200);
  border-radius: var(--radius);
  padding: 26px;
}
.stars { color: var(--gold); letter-spacing: 2px; margin-bottom: 10px; font-size: 0.95rem; }
.testimonial-name { font-weight: 700; color: var(--navy); margin-top: 14px; font-size: 0.9rem; }
.testimonial-source { font-size: 0.82rem; color: var(--grey-400); }

/* FAQ accordion */
.faq-item {
  border-bottom: 1px solid var(--grey-200);
}
.faq-question {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  padding: 20px 0;
  font-size: 1.02rem;
  font-weight: 700;
  color: var(--navy);
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  font-family: var(--font-body);
}
.faq-plus { font-size: 1.3rem; color: var(--gold); transition: transform 0.2s ease; }
.faq-item.open .faq-plus { transform: rotate(45deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.25s ease;
}
.faq-item.open .faq-answer { max-height: 400px; }
.faq-answer p { padding-bottom: 18px; margin: 0; }

/* Forms */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
@media (max-width: 700px) { .form-grid { grid-template-columns: 1fr; } }
.form-field { display: flex; flex-direction: column; gap: 6px; }
.form-field.full { grid-column: 1 / -1; }
.form-field label { font-size: 0.85rem; font-weight: 700; color: var(--navy); }
.form-field input, .form-field select, .form-field textarea {
  padding: 12px 14px;
  border: 1px solid var(--grey-200);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.95rem;
  background: var(--white);
}
.form-field textarea { resize: vertical; min-height: 110px; }
.form-note { font-size: 0.85rem; color: var(--grey-400); margin-top: 14px; }

/* CTA band */
.cta-band {
  background: linear-gradient(120deg, var(--navy), var(--navy-light));
  color: var(--white);
  border-radius: var(--radius);
  padding: 48px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}
.cta-band h2 { color: var(--white); margin-bottom: 6px; }
.cta-band p { color: rgba(255,255,255,0.75); margin: 0; }

/* Breadcrumb */
.breadcrumb {
  font-size: 0.85rem;
  color: var(--grey-400);
  padding: 18px 0 0;
}
.breadcrumb a { color: var(--grey-700); font-weight: 600; }
.breadcrumb a:hover { color: var(--navy); }

/* Page hero (inner pages) */
.page-hero {
  background: var(--navy);
  color: var(--white);
  padding: 56px 0 60px;
  position: relative;
  overflow: hidden;
}
.page-hero p { color: rgba(255,255,255,0.75); max-width: 640px; }
.page-hero .eyebrow { color: var(--gold-light); }
.page-hero .container { position: relative; z-index: 2; }

/* Gold & Silver page hero — a gold product shot fading into the teal on the left */
.page-hero-blend {
  position: absolute;
  top: 0; right: 0; bottom: 0;
  height: 100%;
  width: 46%;
  min-width: 340px;
  object-fit: cover;
  object-position: right center;
  z-index: 1;
  opacity: 0.9;
  -webkit-mask-image: linear-gradient(to right, transparent 0%, rgba(0,0,0,0.5) 35%, black 65%);
  mask-image: linear-gradient(to right, transparent 0%, rgba(0,0,0,0.5) 35%, black 65%);
}
@media (max-width: 700px) {
  .page-hero-blend { display: none; }
}

/* Footer */
footer.site-footer {
  background: var(--navy);
  color: rgba(255,255,255,0.7);
  padding: 60px 0 28px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr 1fr;
  gap: 32px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
@media (max-width: 800px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
.footer-grid h4 {
  color: var(--white);
  font-family: var(--font-body);
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 16px;
}
.footer-grid ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 10px; }
.footer-grid a { font-size: 0.92rem; }
.footer-grid a:hover { color: var(--white); }
.footer-brand p { color: rgba(255,255,255,0.6); font-size: 0.92rem; max-width: 300px; }
.social-row { display: flex; gap: 12px; margin-top: 16px; }
.social-row a {
  width: 38px; height: 38px; border-radius: 50%;
  background: rgba(255,255,255,0.08);
  display: flex; align-items: center; justify-content: center;
}
.social-row a:hover { background: var(--gold); color: var(--navy); }
.footer-bottom {
  display: flex; justify-content: space-between; align-items: center;
  padding-top: 24px; font-size: 0.82rem; flex-wrap: wrap; gap: 10px;
  color: rgba(255,255,255,0.5);
}
.footer-bottom a:hover { color: var(--white); }

/* Skip link for accessibility */
.skip-link {
  position: absolute; left: -999px; top: 0;
  background: var(--gold); color: var(--navy);
  padding: 10px 16px; z-index: 1000; font-weight: 700;
}

/* Cookie consent banner */
.cookie-banner {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 900;
  background: var(--navy); color: var(--white);
  padding: 16px 24px;
  display: flex; align-items: center; justify-content: center;
  gap: 20px; flex-wrap: wrap;
  box-shadow: 0 -4px 16px rgba(0,0,0,0.2);
}
.cookie-banner p { margin: 0; font-size: 0.9rem; max-width: 640px; color: rgba(255,255,255,0.85); }
.cookie-banner a { color: var(--gold); text-decoration: underline; }
.cookie-banner-actions { display: flex; gap: 10px; flex-shrink: 0; }
.btn-sm { padding: 8px 18px; font-size: 0.85rem; }
.skip-link:focus { left: 10px; top: 10px; }