/* ============================================================
   HERAMB FINSERV — shared stylesheet (single source of truth)
   Load this on every page. Design tokens match the landing page.
   ============================================================ */
:root{
  --blue:#2D5FDE; --blue-dk:#2450C4; --navy:#12246B; --navy-2:#0A1440;
  --tint:#DCE6FF; --ink:#0E1524; --muted:#5F677A; --line:#E2E6EF; --wash:#F3F5FA;
  --r:18px; --pad:clamp(18px,4vw,80px); --gap:clamp(14px,1.6vw,22px);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:#fff;color:var(--ink);overflow-x:hidden;
  font:400 16px/1.6 "DM Sans",system-ui,sans-serif;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{margin:0;font-weight:500;letter-spacing:-.02em;line-height:1.14}
p{margin:0}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{width:100%;margin:0 auto;padding-inline:var(--pad)}
section{padding-block:clamp(48px,6.5vw,88px)}
.hl{color:var(--blue)}
.eyebrow{font-size:10px;letter-spacing:.2em;text-transform:uppercase;color:var(--muted);margin-bottom:14px}

/* ---- buttons ---- */
.pill{display:inline-flex;align-items:center;gap:8px;border-radius:100px;
  padding:11px 20px;font-size:14px;font-weight:500;transition:.2s;border:1px solid transparent;cursor:pointer}
.pill-dark{background:var(--navy);color:#fff}
.pill-dark:hover{background:var(--navy-2)}
.pill-blue{background:var(--blue);color:#fff}
.pill-blue:hover{background:var(--blue-dk)}
.pill-white{background:#fff;color:var(--ink)}
.pill-line{border-color:var(--line);color:var(--ink)}
.pill-line:hover{border-color:var(--blue);color:var(--blue)}
.arw{width:26px;height:26px;border-radius:50%;display:grid;place-items:center;
  background:var(--blue);color:#fff;font-size:13px;flex:none}
.pill-blue .arw,.pill-white .arw{background:var(--blue);color:#fff}

/* ============================================================
   HEADER + NAV
   ============================================================ */
.site-header{position:sticky;top:0;z-index:60;background:var(--navy);
  backdrop-filter:blur(10px);border-bottom:1px solid rgba(255,255,255,.14)}
.nav{display:flex;align-items:center;justify-content:space-between;height:84px;gap:18px}
.brand{display:flex;align-items:center;gap:10px;flex:none}
.brand img{height:60px;width:auto}
.brand .txt{color:#fff;font-weight:700;font-size:17px;letter-spacing:.03em;line-height:1}
.brand .txt small{display:block;font-size:11px;letter-spacing:.22em;opacity:.75;font-weight:500}

.menu{display:flex;gap:2px;list-style:none;margin:0;padding:0;align-items:center}
.menu>li>a{display:inline-flex;align-items:center;gap:6px;color:rgba(255,255,255,.84);
  font-size:14.5px;padding:10px 14px;border-radius:100px;transition:.2s;white-space:nowrap}
.menu>li>a:hover,.menu>li>a.on{background:rgba(255,255,255,.13);color:#fff}
.caret{font-size:9px;opacity:.75;transition:transform .2s}

/* Services hover popup */
.has-sub{position:relative}
.has-sub:hover .caret{transform:rotate(180deg)}
.submenu{position:absolute;top:calc(100% + 10px);left:0;transform:translateY(8px);
  width:270px;background:#fff;border:1px solid var(--line);border-radius:16px;
  padding:10px;box-shadow:0 26px 60px rgba(10,20,64,.20);
  opacity:0;visibility:hidden;transition:.22s;z-index:70}
.has-sub::after{content:"";position:absolute;top:100%;left:0;right:0;height:16px} /* hover bridge */
.has-sub:hover .submenu{opacity:1;visibility:visible;transform:translateY(0)}
.submenu a{display:flex;align-items:center;gap:10px;padding:11px 14px;border-radius:10px;
  font-size:14px;color:var(--ink);transition:.15s;position:relative}
.submenu a:hover{background:var(--wash);color:var(--blue)}
.submenu .dot{width:6px;height:6px;border-radius:50%;background:var(--blue);flex:none;opacity:.5}
.submenu a:hover .dot{opacity:1}

/* nested "Other" flyout */
.sub-has{position:relative}
.sub-parent{display:flex;align-items:center;gap:10px;padding:11px 14px;border-radius:10px;
  font-size:14px;color:var(--ink);transition:.15s;cursor:pointer}
.sub-parent .sub-caret{margin-left:auto;font-size:15px;opacity:.6;transition:.2s}
.sub-has:hover .sub-parent{background:var(--wash);color:var(--blue)}
.sub-has:hover .sub-parent .sub-caret{transform:translateX(2px);opacity:1}
.sub-has::after{content:"";position:absolute;top:0;left:100%;width:18px;height:100%} /* bridge */
.submenu-2{position:absolute;top:-10px;left:calc(100% + 8px);
  width:250px;background:#fff;border:1px solid var(--line);border-radius:16px;
  padding:10px;box-shadow:0 26px 60px rgba(10,20,64,.20);
  opacity:0;visibility:hidden;transform:translateX(6px);transition:.2s;z-index:80}
.sub-has:hover .submenu-2{opacity:1;visibility:visible;transform:translateX(0)}
.submenu-2 a{display:flex;align-items:center;gap:10px;padding:11px 14px;border-radius:10px;
  font-size:14px;color:var(--ink);transition:.15s}
.submenu-2 a:hover{background:var(--wash);color:var(--blue)}
.submenu-2 .dot{width:6px;height:6px;border-radius:50%;background:var(--blue);flex:none;opacity:.5}
.submenu-2 a:hover .dot{opacity:1}

/* flip nested flyout to the left if it would overflow the right edge */
@media(max-width:1400px){
  .submenu-2{left:auto;right:calc(100% + 8px)}
  .sub-has::after{left:auto;right:100%}
}

.nav-r{display:flex;align-items:center;gap:12px;flex:none}
.nav-social{display:flex;gap:8px}
.nav-social a{width:34px;height:34px;border-radius:50%;display:grid;place-items:center;
  border:1px solid rgba(255,255,255,.24);color:#fff;font-size:13px;transition:.2s}
.nav-social a:hover{background:#fff;color:var(--navy)}
.burger{display:none;background:none;border:0;color:#fff;font-size:22px;cursor:pointer;padding:6px}

/* mobile drawer */
.drawer{position:fixed;inset:0;z-index:90;background:rgba(10,20,64,.5);opacity:0;visibility:hidden;transition:.25s}
.drawer.open{opacity:1;visibility:visible}
.drawer-panel{position:absolute;top:0;right:0;height:100%;width:min(330px,88vw);background:#fff;
  transform:translateX(100%);transition:.3s;padding:24px 22px;overflow-y:auto}
.drawer.open .drawer-panel{transform:none}
.drawer-panel h4{font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);margin:20px 0 6px}
.drawer-panel a{display:block;padding:11px 10px;border-radius:10px;color:var(--ink);font-size:15px}
.drawer-panel a:hover{background:var(--wash);color:var(--blue)}
.drawer-panel .sub a{padding-left:22px;font-size:14px;color:var(--muted)}
.drawer-close{position:absolute;top:16px;right:16px;background:none;border:0;font-size:26px;cursor:pointer;color:var(--ink);line-height:1}

/* ============================================================
   PAGE BANNER (boxed, rounded, bg image)
   ============================================================ */
.banner-wrap{padding:clamp(20px,3vw,40px) 16px 0}
.banner{position:relative;border-radius:var(--r);overflow:hidden;
  min-height:clamp(240px,30vw,360px);display:grid;place-items:center;text-align:center;
  background:linear-gradient(120deg,var(--navy-2),var(--navy) 55%,var(--blue));
  padding:clamp(30px,5vw,64px);width:100%;margin:0 auto}
.banner-img{position:absolute;inset:0;z-index:0}
.banner-img img{width:100%;height:100%;object-fit:cover}
.banner::after{content:"";position:absolute;inset:0;z-index:1;
  background:linear-gradient(120deg,rgba(10,20,64,.88),rgba(18,36,107,.66) 55%,rgba(45,95,222,.55))}
.banner-inner{position:relative;z-index:2;color:#fff}
.banner-inner .crumb{font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:rgba(255,255,255,.7);margin-bottom:14px}
.banner-inner .crumb a:hover{color:#fff}
.banner h1{font-size:clamp(34px,5vw,58px);color:#fff}
.banner p{margin-top:12px;color:rgba(255,255,255,.82);font-size:16px}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer{background:var(--navy-2);color:rgba(255,255,255,.6);padding-block:48px 26px;font-size:14px}
.f-top{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:36px;width:100%;margin:0 auto}
.f-brand{display:flex;align-items:center;gap:10px;margin-bottom:16px}
.f-brand img{height:56px}
.f-brand .txt{color:#fff;font-weight:700;font-size:18px;letter-spacing:.03em}
.f-brand .txt small{display:block;font-size:11px;letter-spacing:.2em;opacity:.7}
.site-footer h4{color:#fff;font-size:11px;letter-spacing:.14em;text-transform:uppercase;margin:0 0 16px}
.site-footer ul{list-style:none;padding:0;margin:0;display:grid;gap:9px}
.site-footer ul a:hover{color:var(--blue)}
.socials{display:flex;gap:9px;margin-top:16px}
.socials a{width:34px;height:34px;border-radius:50%;display:grid;place-items:center;
  border:1px solid rgba(255,255,255,.22);color:#fff;font-size:13px;transition:.2s}
.socials a:hover{background:var(--blue);border-color:var(--blue)}
.f-bot{margin-top:36px;padding-top:20px;border-top:1px solid rgba(255,255,255,.12);
  display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;font-size:12.5px;
  margin-left:auto;margin-right:auto}

/* ============================================================
   REUSABLE CONTENT BLOCKS (used across pages)
   ============================================================ */
.cta-band{position:relative;border-radius:var(--r);overflow:hidden;margin:0 16px;
  background:linear-gradient(120deg,var(--navy-2),var(--navy));color:#fff;
  padding:clamp(36px,5vw,64px);display:flex;align-items:center;justify-content:space-between;
  gap:24px;flex-wrap:wrap}
.cta-band h2{font-size:clamp(24px,3vw,36px);color:#fff}
.cta-band p{color:rgba(255,255,255,.72);margin-top:10px;max-width:46ch;font-size:15px}

/* card grid helpers */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--gap)}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:var(--gap)}
.card{border:1px solid var(--line);border-radius:var(--r);padding:28px;background:#fff;transition:.25s}
.card:hover{border-color:var(--blue);box-shadow:0 14px 34px rgba(10,20,64,.08);transform:translateY(-4px)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,5vw,64px);align-items:center}
.media{border-radius:var(--r);overflow:hidden;aspect-ratio:4/3;
  background:linear-gradient(135deg,var(--blue),var(--navy-2))}
.media img{width:100%;height:100%;object-fit:cover}

/* icon chip */
.ic-chip{width:56px;height:56px;border-radius:14px;display:grid;place-items:center;
  background:var(--tint);color:var(--blue)}
.ic-chip svg{width:28px;height:28px;stroke:currentColor;fill:none;stroke-width:1.6}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media(max-width:1180px){
  .menu,.nav-social{display:none}
  .burger{display:block}
}
@media(max-width:720px){
  .nav-r .pill-white{display:none}   /* CTA lives in the drawer on mobile */
}
@media(max-width:900px){
  .grid-3{grid-template-columns:repeat(2,1fr)}
  .split{grid-template-columns:1fr}
  .grid-2{grid-template-columns:1fr}
  .f-top{grid-template-columns:1fr 1fr}
  .f-top>div:first-child{grid-column:1/-1}
}
@media(max-width:560px){
  .grid-3{grid-template-columns:1fr}
  .brand img{height:46px}.nav{height:72px}
  .f-top{grid-template-columns:1fr}
  .f-bot{flex-direction:column;gap:8px}
  .cta-band{flex-direction:column;align-items:flex-start}
}
:focus-visible{outline:2px solid var(--blue);outline-offset:3px}