:root {
    /* Professional Financial Palette (Deep Navy & Gold) */
    --primary: #0a1128;       /* Deep Navy */
    --primary-light: #1c2541; /* Lighter Navy */
    --secondary: #c5a059;     /* Muted Gold */
    --accent: #d4af37;        /* Gold */
    
    --background: #ffffff;    /* White */
    --surface: #f8f9fa;       /* Very Light Grey */
    --surface-highlight: #e9ecef; /* Light Grey */
    
    --text-main: #0a1128;     /* Navy */
    --text-body: #334155;     /* Slate Grey */
    --text-muted: #64748b;    /* Muted Slate */
    --text-inverted: #ffffff;
    
    --border: #e2e8f0;
    --border-light: #f1f5f9;

    /* Gradients */
    --gradient-primary: linear-gradient(135deg, #0a1128 0%, #1c2541 100%);
    --gradient-accent: linear-gradient(135deg, #c5a059 0%, #d4af37 100%);
    --gradient-surface: linear-gradient(180deg, #ffffff 0%, #f8f9fa 100%);

    /* Typography */
    --font-sans: "Plus Jakarta Sans", system-ui, -apple-system, sans-serif;
    --font-serif: "Prata", Georgia, serif;

    /* Spacing & Radius */
    --radius-sm: 0.5rem;
    --radius-md: 1rem;
    --radius-lg: 1.5rem;
    --radius-xl: 2rem;
    
    /* Shadows */
    --shadow-sm: 0 1px 3px rgba(0,0,0,0.05);
    --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.05), 0 2px 4px -1px rgba(0,0,0,0.03);
    --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.05), 0 4px 6px -2px rgba(0,0,0,0.025);
    --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.05), 0 10px 10px -5px rgba(0,0,0,0.02);
    
    --transition: 200ms cubic-bezier(0.4, 0, 0.2, 1);
}

*, *::before, *::after {
    box-sizing: border-box;
}

body {
    margin: 0;
    font-family: var(--font-sans);
    line-height: 1.6;
    color: var(--text-body);
    background-color: var(--background);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

h1, h2, h3, h4, h5, h6 {
    margin: 0 0 1rem;
    color: var(--text-main);
    font-family: var(--font-serif);
    line-height: 1.2;
    font-weight: 400;
}

p {
    margin: 0 0 1.5rem;
    color: var(--text-body);
}

a {
    color: inherit;
    text-decoration: none;
    transition: color var(--transition);
}

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

.container {
    width: min(1200px, 100% - 2rem);
    margin: 0 auto;
}

/* Buttons */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 1rem 2.5rem;
    border-radius: 999px;
    font-weight: 600;
    font-size: 1rem;
    cursor: pointer;
    transition: all var(--transition);
    border: 1px solid transparent;
    text-align: center;
    white-space: nowrap;
}

.btn-primary {
    background: var(--secondary);
    color: var(--text-inverted);
    box-shadow: var(--shadow-md);
}

.btn-primary:hover {
    background: var(--accent);
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

.btn-secondary {
    background: transparent;
    color: var(--text-main);
    border-color: rgba(255,255,255,0.3);
}

.btn-secondary:hover {
    background: rgba(255,255,255,0.1);
    border-color: var(--text-inverted);
    color: var(--text-inverted);
}

.btn-white {
    background: var(--surface);
    color: var(--primary);
    border-color: var(--surface);
}

.btn-white:hover {
    background: var(--surface-highlight);
    transform: translateY(-2px);
}

/* Utilities */
.text-center { text-align: center; }
.text-primary { color: var(--primary); }
.text-secondary { color: var(--secondary); }
.text-muted { color: var(--text-muted); }

.eyebrow {
    display: block;
    font-size: 0.875rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.15em;
    color: var(--secondary);
    margin-bottom: 1.5rem;
    font-family: var(--font-sans);
}

.section-padding {
    padding: clamp(3rem, 8vw, 6rem) 0;
}

.grid {
    display: grid;
    gap: 2rem;
}

/* Grid Responsiveness */
.grid-2 { grid-template-columns: 1fr; }
.grid-3 { grid-template-columns: 1fr; }

@media (min-width: 768px) {
    .grid-2 { grid-template-columns: repeat(2, 1fr); }
    .grid-3 { grid-template-columns: repeat(3, 1fr); }
}

/* Animations */
[data-reveal] {
    opacity: 0;
    transform: translateY(20px);
    transition: opacity 0.6s ease-out, transform 0.6s ease-out;
}

[data-reveal].is-visible {
    opacity: 1;
    transform: translateY(0);
}

/* Accessibility */
.skip-link {
    position: absolute;
    top: -9999px;
    left: 0;
    background: var(--secondary);
    color: var(--text-inverted);
    padding: 1rem 2rem;
    z-index: 9999;
    text-decoration: none;
    font-weight: 600;
    border-radius: 0 0 var(--radius-md) 0;
    transition: top 0.2s ease;
}

.skip-link:focus {
    top: 0;
    outline: 3px solid var(--accent);
}

.sr-only {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
}