/* =========================================================
   HouseVelto — Executive Banking Design System
   Navy Blue + Gold + White
   ========================================================= */

:root{
  --offwhite:#F7F9FC;
  --offwhite-2:#EEF3F9;
  --sage:#D4AF37;
  --sage-deep:#0B2E59;
  --sage-soft:#FFF5D6;
  --walnut:#0A2545;
  --walnut-soft:#EAF0F8;
  --ink:#071B34;
  --muted:#667085;
  --line:#D9E2EF;
  --radius-lg:28px;
  --radius-md:18px;
  --radius-sm:10px;
  --maxw:1220px;
  --pad:clamp(20px,5vw,64px);
  --font-head:'Poppins','Segoe UI',sans-serif;
  --font-body:'Inter','Segoe UI',sans-serif;
  --shadow-soft:0 20px 50px -24px rgba(58,54,47,.22);
}

*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;font-family:var(--font-body);font-weight:400;color:var(--ink);
  background:var(--offwhite);line-height:1.75;-webkit-font-smoothing:antialiased;font-size:17px;
}
img{max-width:100%;display:block;height:auto;border-radius:var(--radius-md);}
a{color:inherit;text-decoration:none;}
ul{list-style:none;margin:0;padding:0;}
button{font-family:inherit;cursor:pointer;}
.container{max-width:var(--maxw);margin:0 auto;padding:0 var(--pad);}
.screen-reader-text{position:absolute;left:-9999px;}

h1,h2,h3,h4{
  font-family:var(--font-head);font-weight:700;letter-spacing:-0.02em;
  margin:0 0 .5em;color:var(--ink);
}
p{margin:0 0 1.3em;}

.eyebrow{
  display:inline-flex;align-items:center;gap:.5rem;font-size:12.5px;font-weight:600;letter-spacing:.1em;
  text-transform:uppercase;color:var(--sage-deep);font-family:var(--font-head);margin-bottom:1.2rem;
}
.eyebrow::before{content:'';width:8px;height:8px;border-radius:50%;background:var(--sage);display:inline-block;}

/* =========== HEADER =========== */
.site-header{position:sticky;top:0;z-index:100;background:rgba(250,248,244,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);}
.site-header .container{display:flex;align-items:center;justify-content:space-between;height:78px;}
.site-logo img{height:34px;width:auto;display:block;}
.site-logo{display:flex;align-items:center;}

.primary-nav ul{display:flex;gap:2rem;align-items:center;}
.primary-nav a{font-family:var(--font-head);font-size:15px;font-weight:600;color:var(--ink);}
.primary-nav a:hover{color:var(--sage-deep);}

.header-actions{display:flex;align-items:center;gap:1rem;}
.header-search{position:relative;}
.header-search input[type="search"]{
  width:190px;padding:.5rem .2rem .5rem 1.6rem;border:none;border-bottom:1px solid var(--line);
  background:transparent;font-family:var(--font-body);font-size:14.5px;color:var(--ink);
  transition:border-color .2s, width .2s;
}
.header-search input[type="search"]::placeholder{color:var(--muted);}
.header-search input[type="search"]:focus{outline:none;border-color:var(--sage-deep);width:220px;}
.header-search svg{position:absolute;left:0;top:50%;transform:translateY(-50%);width:14px;height:14px;stroke:var(--muted);pointer-events:none;}

.menu-toggle{display:none;background:none;border:0;padding:8px;}
.menu-toggle span{display:block;width:20px;height:2px;background:var(--ink);margin:5px 0;border-radius:2px;}

/* =========== HERO — asymmetric overlapping-card layout =========== */
.hero{padding:clamp(48px,7vw,80px) var(--pad) clamp(80px,10vw,120px);}
.hero-grid{
  max-width:var(--maxw);margin:0 auto;display:grid;grid-template-columns:0.95fr 1.15fr;gap:0;align-items:center;
}
.hero-image{border-radius:var(--radius-lg);overflow:hidden;aspect-ratio:6/7;box-shadow:var(--shadow-soft);}
.hero-image img{width:100%;height:100%;object-fit:cover;border-radius:0;}
.hero-copy{
  background:var(--offwhite);border-radius:var(--radius-lg);padding:clamp(2.2rem,4vw,3.4rem);
  box-shadow:var(--shadow-soft);position:relative;z-index:2;margin-right:-9%;
}
.hero-copy h1{font-size:clamp(2rem,4vw,3rem);line-height:1.16;margin-bottom:1.1rem;}
.hero-copy p.lead{font-size:1.08rem;color:var(--muted);margin-bottom:1.8rem;}
.hero-actions{display:flex;gap:1rem;flex-wrap:wrap;}
.btn{
  display:inline-flex;align-items:center;gap:.5rem;padding:.85rem 1.8rem;border-radius:999px;
  font-family:var(--font-head);font-weight:600;font-size:15px;transition:all .2s ease;
}
.btn-primary{background:var(--sage-deep);color:var(--offwhite);}
.btn-primary:hover{background:var(--walnut);transform:translateY(-2px);}
.btn-secondary{background:transparent;color:var(--ink);border:1px solid var(--line);}
.btn-secondary:hover{border-color:var(--sage-deep);color:var(--sage-deep);}

/* =========== TRUST STRIP — minimalist, no borders/boxes =========== */
.trust-strip{padding:0 var(--pad) clamp(56px,7vw,84px);}
.trust-row{
  max-width:var(--maxw);margin:0 auto;display:flex;justify-content:center;gap:clamp(2rem,6vw,5rem);
  flex-wrap:wrap;text-align:center;
}
.trust-item{padding:0 .5rem;}
.trust-num{font-family:var(--font-head);font-size:2.1rem;font-weight:700;color:var(--sage-deep);}
.trust-label{font-size:12.5px;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);margin-top:.3rem;font-family:var(--font-head);}

/* =========== STAGGERED PILLAR LAYOUT (uneven card sizes) =========== */
.pillars{padding:clamp(56px,7vw,90px) var(--pad);background:var(--offwhite-2);}
.section-head{max-width:640px;margin:0 auto 3rem;text-align:center;}
.section-head h2{font-size:clamp(1.9rem,3.4vw,2.4rem);}
.section-head p{color:var(--muted);font-family:var(--font-body);}

.stagger-grid{
  max-width:var(--maxw);margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr);
  grid-auto-rows:120px;gap:1.2rem;
}
.stagger-item{
  background:var(--offwhite);border-radius:var(--radius-md);padding:1.6rem;
  display:flex;flex-direction:column;justify-content:flex-end;transition:transform .2s ease, box-shadow .2s ease;
  box-shadow:0 12px 28px -18px rgba(58,54,47,.18);
}
.stagger-item:hover{transform:translateY(-5px);box-shadow:var(--shadow-soft);}
.stagger-item.tall{grid-row:span 2;background:var(--sage-soft);}
.stagger-item.wide{grid-column:span 2;}
.pillar-icon{
  width:44px;height:44px;border-radius:50%;background:var(--walnut-soft);
  display:flex;align-items:center;justify-content:center;margin-bottom:1rem;
}
.pillar-icon svg{width:20px;height:20px;stroke:var(--walnut);}
.stagger-item h3{font-size:1.05rem;margin-bottom:.3rem;}
.stagger-item p{font-size:13.5px;color:var(--muted);margin:0;font-family:var(--font-body);}

/* =========== MASONRY GUIDE FEED (CSS columns — structurally unique) =========== */
.resource-feed{padding:clamp(56px,7vw,90px) var(--pad);}
.masonry{max-width:var(--maxw);margin:0 auto;column-count:3;column-gap:1.6rem;}
.masonry-item{
  break-inside:avoid;margin-bottom:1.6rem;background:var(--offwhite);border-radius:var(--radius-md);
  overflow:hidden;box-shadow:0 12px 30px -20px rgba(58,54,47,.2);
}
.masonry-item .thumb{overflow:hidden;}
.masonry-item .thumb img{width:100%;height:100%;object-fit:cover;transition:transform .4s ease;border-radius:0;}
.masonry-item:hover .thumb img{transform:scale(1.04);}
.masonry-item .body{padding:1.4rem 1.5rem 1.6rem;}
.guide-cat{font-family:var(--font-head);font-size:11.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--sage-deep);margin-bottom:.5rem;display:block;}
.masonry-item h3{font-size:1.08rem;margin-bottom:.5rem;}
.masonry-item h3 a:hover{color:var(--sage-deep);}
.masonry-item .excerpt{font-size:14.5px;color:var(--muted);margin-bottom:.8rem;}
.guide-meta{font-size:12px;color:var(--muted);font-family:var(--font-head);}

.feed-footer{text-align:center;margin-top:3rem;}
.feed-footer a{
  display:inline-flex;align-items:center;gap:.5rem;padding:.85rem 2rem;border-radius:999px;
  font-family:var(--font-head);font-weight:600;font-size:14.5px;background:var(--ink);color:var(--offwhite);
  transition:all .2s ease;
}
.feed-footer a:hover{background:var(--sage-deep);}

/* =========== RELATED POSTS — asymmetric 3-card row =========== */
.related-posts{padding:clamp(48px,7vw,80px) var(--pad);background:var(--offwhite-2);}
.related-posts .section-head{margin-bottom:2.4rem;}
.related-grid{max-width:var(--maxw);margin:0 auto;display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:1.6rem;align-items:start;}
.related-card{background:var(--offwhite);border-radius:var(--radius-md);overflow:hidden;box-shadow:0 12px 30px -20px rgba(58,54,47,.2);}
.related-card .thumb{aspect-ratio:4/3;overflow:hidden;}
.related-card:first-child .thumb{aspect-ratio:16/11;}
.related-card .thumb img{width:100%;height:100%;object-fit:cover;border-radius:0;}
.related-card .body{padding:1.3rem 1.4rem 1.5rem;}
.related-card h4{font-size:1.03rem;margin-bottom:.5rem;}
.related-card p{font-size:13.5px;color:var(--muted);margin-bottom:.6rem;}

/* =========== SINGLE POST =========== */
.single-wrap{padding:clamp(48px,7vw,80px) var(--pad) 0;}
.single-header{max-width:740px;margin:0 auto 2.2rem;}
.single-header h1{font-size:clamp(2rem,4vw,2.7rem);}
.single-cover{max-width:960px;margin:0 auto 2.6rem;aspect-ratio:16/9;overflow:hidden;border-radius:var(--radius-lg);box-shadow:var(--shadow-soft);}
.single-cover img{width:100%;height:100%;object-fit:cover;border-radius:0;}
.single-content{max-width:720px;margin:0 auto;font-size:1.08rem;color:#443F35;}
.single-content h2{font-family:var(--font-head);font-size:1.5rem;margin-top:2.2em;color:var(--ink);}
.single-content h3{font-size:1.2rem;margin-top:1.8em;}
.single-content p{margin-bottom:1.4em;}
.single-content a{color:var(--sage-deep);text-decoration:underline;text-decoration-color:var(--sage-soft);text-underline-offset:3px;}
.single-content a:hover{text-decoration-color:var(--sage-deep);}
.single-content img{margin:1.8rem 0;border-radius:var(--radius-md);}
.single-content ul,.single-content ol{margin:0 0 1.4em 1.3em;}
.single-content blockquote{
  border-left:3px solid var(--sage);margin:1.8rem 0;padding:.4rem 0 .4rem 1.4rem;color:var(--muted);font-style:italic;
}
.single-footer{max-width:720px;margin:3rem auto 0;padding-top:2rem;border-top:1px solid var(--line);}
.hn-internal-link{font-weight:600;}

/* =========== PAGE (privacy/terms) =========== */
.page-wrap{padding:clamp(56px,8vw,90px) var(--pad);}
.page-content{max-width:760px;margin:0 auto;}
.page-content h1{margin-bottom:2rem;font-size:clamp(1.9rem,4vw,2.4rem);}

/* =========== ARCHIVE / SEARCH =========== */
.archive-header{padding:clamp(56px,8vw,90px) var(--pad) 1.4rem;max-width:var(--maxw);margin:0 auto;}
.archive-header h1{font-size:clamp(1.9rem,4vw,2.4rem);}

/* =========== FOOTER =========== */
.site-footer{background:var(--walnut-soft);padding:4.5rem var(--pad) 2rem;margin-top:4rem;border-radius:var(--radius-lg) var(--radius-lg) 0 0;}
.footer-top{max-width:var(--maxw);margin:0 auto;display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:2.5rem;padding-bottom:3rem;border-bottom:1px solid rgba(107,74,52,.2);}
.footer-brand img{height:30px;margin-bottom:1rem;}
.footer-brand p{color:var(--muted);font-size:14px;max-width:280px;}
.footer-col h4{font-family:var(--font-head);font-size:12.5px;text-transform:uppercase;letter-spacing:.08em;color:var(--walnut);margin-bottom:1.1rem;font-weight:700;}
.footer-col ul li{margin-bottom:.7rem;}
.footer-col a{color:var(--ink);font-size:14.5px;}
.footer-col a:hover{color:var(--sage-deep);}
.footer-bottom{max-width:var(--maxw);margin:0 auto;display:flex;justify-content:space-between;align-items:center;padding-top:1.6rem;font-size:13px;color:var(--muted);flex-wrap:wrap;gap:1rem;}

/* =========== RESPONSIVE =========== */
@media (max-width:960px){
  .hero-grid{grid-template-columns:1fr;}
  .hero-copy{margin-right:0;margin-top:-12%;max-width:92%;margin-left:auto;margin-right:auto;}
  .stagger-grid{grid-template-columns:repeat(2,1fr);}
  .stagger-item.wide{grid-column:span 2;}
  .masonry{column-count:2;}
  .related-grid{grid-template-columns:1fr;}
  .footer-top{grid-template-columns:1fr 1fr;}
}
@media (max-width:780px){
  .primary-nav, .header-search{display:none;}
  .menu-toggle{display:block;}
  .masonry{column-count:1;}
}
@media (max-width:560px){
  .stagger-grid{grid-template-columns:1fr;}
  .stagger-item.wide,.stagger-item.tall{grid-column:span 1;grid-row:span 1;}
  .footer-top{grid-template-columns:1fr;}
  body{font-size:16px;}
}

/* Mobile nav drawer */
.mobile-nav{position:fixed;inset:0;background:var(--offwhite);z-index:200;padding:2rem var(--pad);transform:translateX(100%);transition:transform .3s ease;overflow-y:auto;}
.mobile-nav.is-open{transform:translateX(0);}
.mobile-nav-close{background:none;border:0;float:right;font-size:1.6rem;}
.mobile-nav ul{margin-top:3rem;}
.mobile-nav li{border-bottom:1px solid var(--line);}
.mobile-nav a{display:block;padding:1rem 0;font-family:var(--font-head);font-size:1.05rem;font-weight:600;}
.mobile-nav form{margin-top:2rem;}
.mobile-nav input[type="search"]{width:100%;padding:.8rem 0;border:none;border-bottom:1px solid var(--line);background:transparent;}


/* Finance menu safety: always keep fallback menus visible and neat */
.hv-default-menu{display:flex;gap:2rem;align-items:center;}
.hv-default-menu a{font-family:var(--font-head);font-size:15px;font-weight:700;color:var(--ink);}
.hv-default-menu a:hover{color:var(--sage);}
.mobile-nav .hv-default-menu{display:block;margin-top:3rem;}
.mobile-nav .hv-default-menu li{border-bottom:1px solid var(--line);}
.mobile-nav .hv-default-menu a{display:block;padding:1rem 0;}
@media (max-width:780px){.hv-default-menu{display:none}.mobile-nav .hv-default-menu{display:block}}