/* Black Bear Finance & Advisory — Static Site
   Author: ChatGPT
   Last updated: 2026-02-18
*/

:root {
  --bg: #ffffff;
  --surface: #ffffff;
  --surface-2: #f6f7fb;
  --text: #0b1323;
  --muted: #586174;
  --border: rgba(11, 19, 35, 0.12);

  --navy: #0b1323;
  --navy-2: #142544;
  --gold: #c79a35;
  --gold-2: #e0c06a;

  --radius: 18px;
  --shadow: 0 10px 24px rgba(11, 19, 35, 0.10);

  --container: 1120px;
}

* {
  box-sizing: border-box;
}

html, body {
  height: 100%;
}

body {
  margin: 0;
  font-family: Inter, system-ui, -apple-system, Segoe UI, Roboto, Helvetica, Arial, sans-serif;
  line-height: 1.55;
  color: var(--text);
  background: var(--bg);
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: inherit;
}

p {
  margin: 0 0 1rem 0;
}

h1, h2, h3 {
  line-height: 1.15;
  letter-spacing: -0.02em;
  margin: 0 0 0.75rem 0;
}

h1 {
  font-size: clamp(2.1rem, 4vw, 3.2rem);
}

h2 {
  font-size: clamp(1.55rem, 2.4vw, 2.2rem);
}

h3 {
  font-size: 1.2rem;
}

small, .small {
  font-size: 0.92rem;
}

.container {
  width: min(var(--container), calc(100% - 2.5rem));
  margin-inline: auto;
}

.skip-link {
  position: absolute;
  top: 10px;
  left: -9999px;
  background: var(--navy);
  color: #fff;
  padding: 0.6rem 0.8rem;
  border-radius: 10px;
  z-index: 999;
}
.skip-link:focus {
  left: 10px;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.88);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.85rem 0;
  gap: 1rem;
}

.brand {
  display: flex;
  gap: 0.8rem;
  align-items: center;
  text-decoration: none;
}

.brand__mark {
  width: 46px;
  height: 46px;
  border-radius: 14px;
  background: #fff;
  box-shadow: 0 6px 16px rgba(11, 19, 35, 0.08);
  border: 1px solid rgba(11, 19, 35, 0.10);
  padding: 6px;
}

.brand__text {
  display: grid;
  line-height: 1.1;
}
.brand__name {
  font-weight: 800;
  letter-spacing: -0.03em;
}
.brand__tag {
  color: var(--muted);
  font-size: 0.9rem;
}

.nav-toggle {
  display: none;
  border: 1px solid var(--border);
  background: #fff;
  border-radius: 12px;
  padding: 0.55rem 0.65rem;
  box-shadow: 0 8px 18px rgba(11, 19, 35, 0.06);
}
.nav-toggle:focus-visible {
  outline: 3px solid rgba(199, 154, 53, 0.45);
  outline-offset: 2px;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.site-nav a {
  text-decoration: none;
  padding: 0.55rem 0.7rem;
  border-radius: 12px;
  color: var(--muted);
  font-weight: 600;
}
.site-nav a:hover {
  background: rgba(20, 37, 68, 0.06);
  color: var(--text);
}
.site-nav a[aria-current="page"] {
  background: rgba(199, 154, 53, 0.16);
  color: var(--navy);
}
.site-nav .btn {
  margin-left: 0.35rem;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.55rem;
  border-radius: 14px;
  padding: 0.85rem 1rem;
  border: 1px solid var(--border);
  text-decoration: none;
  font-weight: 800;
  letter-spacing: -0.01em;
  box-shadow: 0 10px 18px rgba(11, 19, 35, 0.06);
  transition: transform 160ms ease, box-shadow 160ms ease;
}
.btn:hover {
  transform: translateY(-1px);
  box-shadow: 0 14px 24px rgba(11, 19, 35, 0.10);
}
.btn:active {
  transform: translateY(0);
}
.btn:focus-visible {
  outline: 3px solid rgba(199, 154, 53, 0.45);
  outline-offset: 2px;
}

.btn--primary {
  background: linear-gradient(135deg, var(--navy), var(--navy-2));
  color: #fff;
  border-color: rgba(255, 255, 255, 0.12);
}
.btn--primary .btn__icon {
  filter: brightness(200%);
}

.btn--ghost {
  background: #fff;
  color: var(--navy);
}

.badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.4rem 0.7rem;
  border-radius: 999px;
  font-weight: 700;
  background: rgba(199, 154, 53, 0.12);
  border: 1px solid rgba(199, 154, 53, 0.18);
  color: var(--navy);
}

.hero {
  padding: 3.4rem 0 2.5rem 0;
  background:
    radial-gradient(900px 600px at 15% 15%, rgba(199, 154, 53, 0.22), transparent 55%),
    radial-gradient(900px 600px at 90% 20%, rgba(20, 37, 68, 0.16), transparent 55%),
    linear-gradient(180deg, #ffffff, #f8f9fd 70%, #ffffff);
}

.hero__grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 2rem;
  align-items: center;
}

.lead {
  color: var(--muted);
  font-size: 1.1rem;
  max-width: 48ch;
}

.hero__cta {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
  margin-top: 1.15rem;
}

.trust {
  margin: 1.25rem 0 0 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 0.55rem;
  color: var(--muted);
}
.trust li {
  display: flex;
  align-items: flex-start;
  gap: 0.55rem;
}
.trust li::before {
  content: "✔";
  color: var(--gold);
  font-weight: 900;
}

.hero-card {
  background: rgba(255, 255, 255, 0.75);
  border: 1px solid rgba(11, 19, 35, 0.10);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.3rem;
}
.hero-card__logo {
  width: 100%;
  max-width: 420px;
  margin-inline: auto;
}
.hero-card__meta {
  margin-top: 1rem;
  display: grid;
  gap: 0.6rem;
}
.meta-row {
  display: flex;
  gap: 0.7rem;
  align-items: center;
  padding: 0.75rem 0.9rem;
  border-radius: 14px;
  border: 1px solid rgba(11, 19, 35, 0.10);
  background: #fff;
}
.meta-row strong {
  display: block;
}
.meta-row span {
  color: var(--muted);
  font-weight: 650;
}

.section {
  padding: 3.0rem 0;
}

.section--alt {
  background: var(--surface-2);
  border-top: 1px solid rgba(11, 19, 35, 0.06);
  border-bottom: 1px solid rgba(11, 19, 35, 0.06);
}

.kicker {
  color: var(--muted);
  font-weight: 750;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  font-size: 0.82rem;
  margin-bottom: 0.65rem;
}

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.1rem;
}

.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.1rem;
}

.card {
  background: var(--surface);
  border: 1px solid rgba(11, 19, 35, 0.10);
  border-radius: var(--radius);
  padding: 1.2rem;
  box-shadow: 0 10px 20px rgba(11, 19, 35, 0.06);
}

.card h3 {
  margin-top: 0.15rem;
}

.icon {
  width: 42px;
  height: 42px;
  border-radius: 14px;
  background: rgba(20, 37, 68, 0.06);
  border: 1px solid rgba(20, 37, 68, 0.10);
  display: grid;
  place-items: center;
}

.icon svg {
  width: 22px;
  height: 22px;
}

.list {
  margin: 0.75rem 0 0 0;
  padding-left: 1.1rem;
  color: var(--muted);
}
.list li {
  margin-bottom: 0.35rem;
}

.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.4rem;
  align-items: start;
}

.callout {
  border-left: 4px solid rgba(199, 154, 53, 0.9);
  background: rgba(199, 154, 53, 0.10);
  border-radius: 16px;
  padding: 1rem 1.05rem;
  color: var(--navy);
}

.faq {
  border-top: 1px solid rgba(11, 19, 35, 0.10);
  padding-top: 1rem;
}
.faq details {
  border: 1px solid rgba(11, 19, 35, 0.10);
  border-radius: 16px;
  background: #fff;
  padding: 0.85rem 1rem;
  margin: 0.75rem 0;
}
.faq summary {
  cursor: pointer;
  font-weight: 800;
}
.faq p {
  margin-top: 0.65rem;
  color: var(--muted);
}

.form {
  display: grid;
  gap: 0.85rem;
}
.field {
  display: grid;
  gap: 0.35rem;
}
label {
  font-weight: 750;
  font-size: 0.92rem;
}
input, select, textarea {
  width: 100%;
  padding: 0.85rem 0.95rem;
  border-radius: 14px;
  border: 1px solid rgba(11, 19, 35, 0.14);
  font: inherit;
  background: #fff;
}
textarea {
  min-height: 140px;
  resize: vertical;
}
input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: 3px solid rgba(199, 154, 53, 0.45);
  outline-offset: 2px;
}

.form__row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.85rem;
}

.notice {
  color: var(--muted);
  font-size: 0.92rem;
}

.calc {
  display: grid;
  gap: 1rem;
}
.calc-output {
  display: grid;
  gap: 0.35rem;
  padding: 1rem;
  border-radius: 16px;
  background: rgba(20, 37, 68, 0.06);
  border: 1px solid rgba(20, 37, 68, 0.10);
}
.calc-output strong {
  font-size: 1.5rem;
}

.footer {
  padding: 2.4rem 0;
  background: #0b1323;
  color: rgba(255, 255, 255, 0.86);
}
.footer a {
  color: #fff;
}
.footer__grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr 0.9fr;
  gap: 1.2rem;
}
.footer__brand {
  display: flex;
  gap: 0.85rem;
  align-items: center;
}
.footer__brand img {
  width: 44px;
  height: 44px;
  border-radius: 14px;
  background: rgba(255,255,255,0.06);
  padding: 7px;
}
.footer__title {
  font-weight: 850;
  letter-spacing: -0.02em;
}
.footer__muted {
  color: rgba(255,255,255,0.70);
}
.footer__links {
  display: grid;
  gap: 0.35rem;
}
.footer__links a {
  text-decoration: none;
  color: rgba(255,255,255,0.86);
}
.footer__links a:hover {
  color: #fff;
  text-decoration: underline;
}

.footer__bottom {
  border-top: 1px solid rgba(255,255,255,0.12);
  margin-top: 1.4rem;
  padding-top: 1.1rem;
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
  color: rgba(255,255,255,0.65);
  font-size: 0.92rem;
}

@media (max-width: 920px) {
  .hero__grid {
    grid-template-columns: 1fr;
  }
  .grid-3 {
    grid-template-columns: 1fr;
  }
  .grid-2 {
    grid-template-columns: 1fr;
  }
  .split {
    grid-template-columns: 1fr;
  }
  .footer__grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 760px) {
  .nav-toggle {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
  }
  .site-nav {
    position: absolute;
    left: 0;
    right: 0;
    top: 72px;
    display: none;
    background: rgba(255,255,255,0.96);
    border-bottom: 1px solid var(--border);
    padding: 0.85rem 1.25rem 1rem 1.25rem;
    flex-direction: column;
    align-items: stretch;
  }
  .site-nav a {
    padding: 0.8rem 0.85rem;
  }
  body.nav-open .site-nav {
    display: flex;
  }
  .form__row {
    grid-template-columns: 1fr;
  }
}

@media (prefers-reduced-motion: reduce) {
  * {
    scroll-behavior: auto !important;
    transition-duration: 0.001ms !important;
    animation-duration: 0.001ms !important;
  }
}