/* ============================================================
   Capital Management Partner AG — financebrouling.com
   Design: Swiss Premium Navy/Gold
   ============================================================ */

:root {
  --navy:       #0d1f3c;
  --navy-deep:  #081429;
  --navy-mid:   #15325a;
  --gold:       #c9a84c;
  --gold-light: #e4c97a;
  --gold-pale:  #fdf6e3;
  --white:      #ffffff;
  --gray-50:    #f8f9fb;
  --gray-100:   #f0f2f6;
  --gray-200:   #e2e6ee;
  --gray-300:   #cbd2df;
  --gray-400:   #9aa5bc;
  --gray-500:   #6b7a99;
  --gray-600:   #4a5568;
  --ink:        #0d1f3c;

  --radius-sm:  6px;
  --radius-md:  10px;
  --radius-lg:  16px;
  --radius-xl:  24px;

  --shadow-sm:  0 1px 4px rgba(13,31,60,.08);
  --shadow-md:  0 4px 16px rgba(13,31,60,.12);
  --shadow-lg:  0 8px 32px rgba(13,31,60,.16);
  --shadow-xl:  0 16px 56px rgba(13,31,60,.20);

  --transition: 0.2s ease;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif; color: var(--ink); background: var(--white); line-height: 1.6; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }

/* ── TYPOGRAPHY ── */
h1 { font-size: clamp(2rem, 4vw, 3.2rem); font-weight: 800; line-height: 1.15; letter-spacing: -0.02em; }
h2 { font-size: clamp(1.5rem, 3vw, 2.2rem); font-weight: 700; line-height: 1.25; letter-spacing: -0.015em; }
h3 { font-size: 1.2rem; font-weight: 700; }
p  { color: var(--gray-600); }

em { font-style: normal; color: var(--gold); }

.container { max-width: 1180px; margin: 0 auto; padding: 0 24px; }

/* ── TOP BANNER ── */
.top-banner {
  background: var(--navy-deep);
  color: rgba(255,255,255,.75);
  font-size: 0.78rem;
  text-align: center;
  padding: 9px 20px;
  letter-spacing: 0.02em;
}
.top-banner a { color: var(--gold-light); margin-left: 8px; }
.top-banner strong { color: var(--white); }

/* ── HEADER ── */
.header {
  position: sticky; top: 0; z-index: 1000;
  background: var(--navy);
  box-shadow: 0 2px 20px rgba(0,0,0,.3);
}
.header-inner {
  display: flex; align-items: center; gap: 32px;
  height: 68px; max-width: 1180px; margin: 0 auto; padding: 0 24px;
}
.logo {
  display: flex; align-items: center; gap: 10px;
  font-weight: 800; font-size: 1.05rem; color: var(--white);
  white-space: nowrap; flex-shrink: 0;
}
.logo-mark {
  width: 36px; height: 36px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
}
.logo-mark svg { width: 22px; height: 22px; }
.logo span { color: var(--gold-light); }

.nav { display: flex; align-items: center; gap: 4px; margin-left: auto; }
.nav-item { position: relative; }
.nav-link {
  display: flex; align-items: center; gap: 4px;
  padding: 8px 12px; border-radius: var(--radius-sm);
  font-size: 0.87rem; font-weight: 500; color: rgba(255,255,255,.82);
  transition: all var(--transition); cursor: pointer;
}
.nav-link:hover { color: var(--white); background: rgba(255,255,255,.1); }
.chevron { font-size: 0.6rem; opacity: 0.6; }
.dropdown {
  position: absolute; top: calc(100% + 6px); left: 0;
  background: var(--white); border-radius: var(--radius-md);
  box-shadow: var(--shadow-xl); min-width: 200px;
  opacity: 0; visibility: hidden; transform: translateY(-8px);
  transition: all var(--transition); z-index: 100;
  border: 1px solid var(--gray-200);
}
.nav-item:hover .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown a {
  display: flex; align-items: center; gap: 10px;
  padding: 11px 16px; font-size: 0.85rem; color: var(--gray-600);
  transition: background var(--transition);
}
.dropdown a:hover { background: var(--gray-50); color: var(--navy); }
.dropdown a .icon { font-size: 0.6rem; color: var(--gold); }

.header-actions { display: flex; align-items: center; gap: 10px; margin-left: 16px; flex-shrink: 0; }
.lang-switcher { display: flex; align-items: center; gap: 4px; }
.lang-btn {
  background: none; border: none; cursor: pointer;
  font-size: 0.75rem; font-weight: 600; color: rgba(255,255,255,.5);
  padding: 3px 5px; border-radius: 4px; transition: all var(--transition);
}
.lang-btn.active { color: var(--gold-light); }
.lang-btn:hover { color: var(--white); }

.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; margin-left: auto; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--white); border-radius: 2px; }
.mobile-nav { display: none; flex-direction: column; background: var(--navy-deep); padding: 12px 24px 20px; }
.mobile-nav a { padding: 10px 0; color: rgba(255,255,255,.8); font-size: 0.95rem; border-bottom: 1px solid rgba(255,255,255,.07); }
.mobile-nav.open { display: flex; }

/* ── BUTTONS ── */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 12px 24px; border-radius: var(--radius-md);
  font-weight: 600; font-size: 0.9rem; cursor: pointer;
  transition: all var(--transition); border: none;
}
.btn-primary { background: var(--gold); color: var(--navy-deep); }
.btn-primary:hover { background: var(--gold-light); box-shadow: 0 4px 20px rgba(201,168,76,.4); transform: translateY(-1px); }
.btn-ghost { background: rgba(255,255,255,.1); color: var(--white); border: 1.5px solid rgba(255,255,255,.25); }
.btn-ghost:hover { background: rgba(255,255,255,.18); border-color: rgba(255,255,255,.5); }
.btn-outline { background: none; color: var(--navy); border: 1.5px solid var(--gray-300); }
.btn-outline:hover { border-color: var(--gold); color: var(--gold); }
.btn-lg { padding: 14px 32px; font-size: 1rem; }

.btn-primary-sm { background: var(--gold); color: var(--navy-deep); padding: 8px 18px; border-radius: var(--radius-sm); font-size: 0.82rem; font-weight: 700; }
.btn-primary-sm:hover { background: var(--gold-light); }
.btn-outline-sm { color: rgba(255,255,255,.8); border: 1px solid rgba(255,255,255,.3); padding: 8px 16px; border-radius: var(--radius-sm); font-size: 0.82rem; font-weight: 500; }
.btn-outline-sm:hover { color: var(--white); border-color: rgba(255,255,255,.6); }

/* ── HERO ── */
.hero {
  background: linear-gradient(145deg, var(--navy-deep) 0%, var(--navy) 50%, var(--navy-mid) 100%);
  padding: 80px 0 90px;
  position: relative; overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse 80% 60% at 70% 50%, rgba(201,168,76,.08) 0%, transparent 70%);
}
.hero-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; position: relative; }
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(201,168,76,.15); border: 1px solid rgba(201,168,76,.3);
  color: var(--gold-light); padding: 6px 14px; border-radius: 100px;
  font-size: 0.78rem; font-weight: 600; letter-spacing: 0.04em;
  margin-bottom: 24px;
}
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero-lead { color: rgba(255,255,255,.68); font-size: 1.05rem; margin-bottom: 32px; line-height: 1.7; }
.hero-cta { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 36px; }
.hero-trust { display: flex; gap: 28px; flex-wrap: wrap; }
.hero-trust-item { font-size: 0.82rem; color: rgba(255,255,255,.55); }
.hero-trust-item strong { display: block; font-size: 1.4rem; font-weight: 800; color: var(--gold-light); }

/* ── HERO CALC ── */
.hero-calc { background: var(--white); border-radius: var(--radius-xl); overflow: hidden; box-shadow: var(--shadow-xl); }
.hero-tabs { display: flex; border-bottom: 1px solid var(--gray-200); }
.hero-tab {
  flex: 1; padding: 14px 8px; text-align: center;
  font-size: 0.8rem; font-weight: 600; cursor: pointer;
  color: var(--gray-500); transition: all var(--transition);
  border-bottom: 2px solid transparent; margin-bottom: -1px;
  background: none; border-top: none; border-left: none; border-right: none;
}
.hero-tab.active { color: var(--navy); border-bottom-color: var(--gold); background: var(--gold-pale); }
.hero-tab:hover:not(.active) { color: var(--ink); background: var(--gray-100); }
.hero-calc-body { padding: 24px; }
.hero-calc-result { background: var(--navy); padding: 20px 24px; color: var(--white); }
.hero-result-row { display: flex; justify-content: space-between; padding: 7px 0; border-bottom: 1px solid rgba(255,255,255,.07); font-size: 0.82rem; }
.hero-result-row:last-of-type { border-bottom: none; }
.hero-result-row .lbl { color: rgba(255,255,255,.5); }
.hero-result-row .val { font-weight: 700; }
.hero-result-big { font-size: 2.4rem; font-weight: 800; color: var(--gold); line-height: 1; }

/* ── FORM ── */
.form-group { margin-bottom: 18px; }
.form-label { display: block; font-size: 0.8rem; font-weight: 600; color: var(--gray-500); margin-bottom: 6px; letter-spacing: 0.02em; text-transform: uppercase; }
.form-control {
  width: 100%; padding: 10px 14px; border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-sm); font-size: 0.9rem; color: var(--ink);
  transition: border-color var(--transition); background: var(--white);
}
.form-control:focus { outline: none; border-color: var(--gold); }
.form-range { width: 100%; accent-color: var(--gold); }

/* ── SECTIONS ── */
section { padding: 80px 0; }
.section-eyebrow {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: 0.75rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--gold); margin-bottom: 12px;
}
.section-head { text-align: center; max-width: 680px; margin: 0 auto 52px; }
.section-head h2 { margin-bottom: 14px; }
.section-head p { font-size: 1.02rem; }

/* ── STATS ── */
.stats-section { background: var(--navy); padding: 56px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: rgba(255,255,255,.1); border-radius: var(--radius-lg); overflow: hidden; }
.stat-item { background: var(--navy); padding: 32px 24px; text-align: center; }
.stat-num { font-size: 2.6rem; font-weight: 800; color: var(--gold); line-height: 1; margin-bottom: 8px; }
.stat-label { font-size: 0.82rem; color: rgba(255,255,255,.55); }

/* ── PARTNER LOGOS ── */
.partners-strip { background: var(--gray-50); padding: 48px 0; border-top: 1px solid var(--gray-200); border-bottom: 1px solid var(--gray-200); }
.partners-strip-label { text-align: center; font-size: 0.75rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gray-400); margin-bottom: 28px; }
.logos-row { display: flex; align-items: center; justify-content: center; flex-wrap: wrap; gap: 32px 40px; }
.logos-row img { height: 36px; width: auto; object-fit: contain; filter: grayscale(100%) opacity(0.55); transition: all 0.3s; }
.logos-row img:hover { filter: grayscale(0%) opacity(1); }

/* ── PRODUCTS ── */
.products-section { background: var(--white); }
.prod-tabs { display: flex; gap: 8px; justify-content: center; margin-bottom: 40px; flex-wrap: wrap; }
.prod-tab-btn {
  padding: 10px 22px; border-radius: 100px;
  font-size: 0.85rem; font-weight: 600; cursor: pointer;
  border: 1.5px solid var(--gray-200); background: var(--white);
  color: var(--gray-600); transition: all var(--transition);
}
.prod-tab-btn.active { background: var(--navy); color: var(--white); border-color: var(--navy); }
.prod-tab-btn:hover:not(.active) { border-color: var(--navy); color: var(--navy); }

.prod-tab-panel { display: none; }
.prod-tab-panel.active { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; }

.offer-row {
  display: flex; align-items: center; gap: 16px;
  padding: 18px; background: var(--white);
  border: 1.5px solid var(--gray-200); border-radius: var(--radius-lg);
  transition: all var(--transition);
}
.offer-row:hover { border-color: var(--gold); box-shadow: var(--shadow-md); }
.offer-row.best { border-color: var(--gold); }
.offer-row-logo { height: 40px; width: 90px; object-fit: contain; flex-shrink: 0; }
.offer-row-rate { font-size: 1.5rem; font-weight: 800; color: var(--navy); }
.offer-row-label { font-size: 0.75rem; color: var(--gray-500); }

.best-badge { background: var(--gold); color: var(--navy-deep); font-size: 0.65rem; font-weight: 800; padding: 2px 8px; border-radius: 100px; letter-spacing: 0.04em; }

/* ── ABOUT / USP ── */
.usp-section { background: var(--gray-50); }
.usp-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.usp-card {
  background: var(--white); padding: 32px 28px; border-radius: var(--radius-xl);
  border: 1px solid var(--gray-200); transition: box-shadow var(--transition);
}
.usp-card:hover { box-shadow: var(--shadow-lg); }
.usp-icon {
  width: 52px; height: 52px; border-radius: var(--radius-md);
  background: linear-gradient(135deg, var(--gold-pale), rgba(201,168,76,.2));
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem; margin-bottom: 18px;
}
.usp-card h3 { margin-bottom: 10px; font-size: 1.05rem; }

/* ── PARTNERS SECTION ── */
.partners-section { background: var(--white); }
.partners-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 20px; }
.partner-card {
  border: 1.5px solid var(--gray-200); border-radius: var(--radius-lg);
  padding: 24px 20px; text-align: center; transition: all var(--transition);
  background: var(--white);
}
.partner-card:hover { border-color: var(--gold); box-shadow: var(--shadow-md); transform: translateY(-3px); }
.partner-card img { height: 44px; width: auto; object-fit: contain; margin: 0 auto 14px; }
.partner-card-name { font-size: 0.85rem; font-weight: 700; color: var(--ink); margin-bottom: 4px; }
.partner-card-type { font-size: 0.75rem; color: var(--gray-500); }

/* ── STEPS ── */
.steps-section { background: var(--navy); color: var(--white); }
.steps-section .section-eyebrow { color: var(--gold-light); }
.steps-section .section-head h2 { color: var(--white); }
.steps-section .section-head p { color: rgba(255,255,255,.6); }
.steps-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; }
.step-item { text-align: center; padding: 24px 16px; position: relative; }
.step-item::after {
  content: '→';
  position: absolute; right: -12px; top: 32px;
  color: var(--gold); font-size: 1.4rem; opacity: 0.5;
}
.step-item:last-child::after { display: none; }
.step-num {
  width: 56px; height: 56px; border-radius: 50%;
  background: rgba(201,168,76,.15); border: 1.5px solid rgba(201,168,76,.35);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem; font-weight: 800; color: var(--gold);
  margin: 0 auto 16px;
}
.step-item h3 { color: var(--white); font-size: 0.95rem; margin-bottom: 8px; }
.step-item p { color: rgba(255,255,255,.5); font-size: 0.82rem; }

/* ── TRUST ── */
.trust-section { background: var(--gray-50); }
.trust-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 24px; }
.trust-item {
  display: flex; gap: 16px; align-items: flex-start;
  background: var(--white); padding: 24px; border-radius: var(--radius-lg);
  border: 1px solid var(--gray-200);
}
.trust-icon { font-size: 1.6rem; flex-shrink: 0; }
.trust-item h3 { font-size: 0.95rem; margin-bottom: 6px; }
.trust-item p { font-size: 0.83rem; }

/* ── CTA BAND ── */
.cta-band {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  padding: 64px 0;
}
.cta-band-inner { display: flex; align-items: center; justify-content: space-between; gap: 40px; flex-wrap: wrap; }
.cta-band h2 { color: var(--navy-deep); margin-bottom: 10px; }
.cta-band p { color: rgba(13,31,60,.65); }
.cta-band .btn { background: var(--navy); color: var(--white); }
.cta-band .btn:hover { background: var(--navy-deep); }

/* ── FOOTER ── */
.footer { background: var(--navy-deep); color: rgba(255,255,255,.55); padding: 64px 0 32px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 48px; }
.footer-brand { }
.footer-brand .logo { font-size: 1rem; margin-bottom: 16px; display: inline-flex; }
.footer-brand p { font-size: 0.82rem; line-height: 1.7; max-width: 280px; }
.footer-brand .finma-badge {
  display: inline-flex; align-items: center; gap: 7px;
  background: rgba(201,168,76,.12); border: 1px solid rgba(201,168,76,.25);
  color: var(--gold-light); padding: 6px 12px; border-radius: 6px;
  font-size: 0.72rem; font-weight: 600; margin-top: 16px;
}
.footer-col h4 { font-size: 0.75rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: rgba(255,255,255,.4); margin-bottom: 16px; }
.footer-col a { display: block; font-size: 0.83rem; color: rgba(255,255,255,.55); padding: 4px 0; transition: color var(--transition); }
.footer-col a:hover { color: var(--gold-light); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding-top: 28px; font-size: 0.76rem;
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px;
}
.footer-bottom a { color: rgba(255,255,255,.4); margin-left: 16px; }
.footer-bottom a:hover { color: var(--gold-light); }

/* ── UTILITIES ── */
.badge { display: inline-block; padding: 4px 10px; border-radius: 100px; font-size: 0.72rem; font-weight: 700; letter-spacing: 0.03em; }
.badge-gold { background: var(--gold-pale); color: var(--gold); border: 1px solid rgba(201,168,76,.3); }
.badge-navy { background: rgba(13,31,60,.08); color: var(--navy); }

/* ── RESPONSIVE ── */
@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2,1fr); }
  .prod-tab-panel.active { grid-template-columns: 1fr; }
  .usp-grid { grid-template-columns: 1fr; }
  .partners-grid { grid-template-columns: repeat(2,1fr); }
  .steps-grid { grid-template-columns: repeat(2,1fr); }
  .steps-grid .step-item::after { display: none; }
  .trust-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .nav { display: none; }
  .header-actions { display: none; }
  .hamburger { display: flex; }
}
@media (max-width: 600px) {
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .partners-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .cta-band-inner { flex-direction: column; align-items: flex-start; }
  section { padding: 56px 0; }
}