/* ===================================================
   LUMAR CAPITAL — Premium Finance
   Navy · Gold · Ivory · Black
   =================================================== */

/* --- Reset --- */
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}

:root{
  --navy:    #0c1c32;
  --navy-d:  #070f1b;
  --navy-l:  #132844;
  --gold:    #b59a5b;
  --gold-l:  #d4b978;
  --gold-d:  #8c7640;
  --ivory:   #f9f7f3;
  --cream:   #f3f0ea;
  --white:   #ffffff;
  --black:   #111111;
  --gray:    #6b7280;
  --gray-l:  #9ca3af;
  --border:  rgba(0,0,0,.07);
  --border-l:rgba(255,255,255,.1);
  --r:       10px;
  --ease:    cubic-bezier(.25,.46,.45,.94);
  --wrap:    1120px;
}

html{scroll-behavior:smooth;-webkit-font-smoothing:antialiased}

body{
  font-family:'Inter',system-ui,sans-serif;
  color:var(--black);
  background:var(--white);
  line-height:1.65;
  font-weight:400;
  font-size:16px;
}

a{text-decoration:none;color:inherit}
img{display:block;max-width:100%}

/* --- Utility --- */
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 28px}

/* --- Typography --- */
.h2{
  font-family:'DM Serif Display',Georgia,serif;
  font-size:clamp(28px,4.2vw,48px);
  font-weight:400;
  line-height:1.18;
  letter-spacing:-.01em;
  color:var(--navy);
}
.h2 em{font-style:italic;color:var(--gold)}
.h2--light{color:var(--white)}
.h2--light em{color:var(--gold-l)}

.label{
  font-size:12px;
  font-weight:600;
  letter-spacing:.12em;
  text-transform:uppercase;
  color:var(--gold);
  margin-bottom:16px;
}
.label--light{color:var(--gold-l)}

/* --- Buttons --- */
.btn{
  display:inline-flex;align-items:center;gap:8px;
  padding:14px 36px;
  border-radius:100px;
  font-size:14px;font-weight:600;font-family:inherit;
  cursor:pointer;border:none;
  transition:.3s var(--ease);
  background:var(--navy);color:var(--white);
}
.btn:hover{background:var(--navy-l);transform:translateY(-1px);box-shadow:0 6px 24px rgba(12,28,50,.2)}

.btn--outline{
  background:transparent;
  border:1.5px solid rgba(255,255,255,.3);
  color:var(--white);
}
.btn--outline:hover{border-color:var(--gold-l);color:var(--gold-l);background:transparent;box-shadow:none}

.btn--full{width:100%;justify-content:center}

/* --- Animations --- */
.anim{opacity:0;transform:translateY(24px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.anim.visible{opacity:1;transform:translateY(0)}

/* ===================================================
   HEADER
   =================================================== */
.header{
  position:fixed;top:0;left:0;right:0;z-index:100;
  height:72px;
  transition:background .35s,border-color .35s,backdrop-filter .35s;
  border-bottom:1px solid transparent;
}
.header--scrolled{
  background:rgba(255,255,255,.92);
  backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);
  border-bottom-color:var(--border);
}
.header .wrap{display:flex;align-items:center;justify-content:space-between;height:100%}

.logo{display:flex;align-items:center;gap:10px}
.logo__icon{width:34px;height:34px;border-radius:8px}
.logo__text{font-size:17px;font-weight:600;letter-spacing:-.02em;color:var(--navy)}

/* Nav in hero => white text */
.header:not(.header--scrolled) .logo__text{color:var(--white)}
.header:not(.header--scrolled) .nav a{color:rgba(255,255,255,.75)}
.header:not(.header--scrolled) .nav a:hover{color:var(--white)}
.header:not(.header--scrolled) .nav__cta{border-color:rgba(255,255,255,.3);color:var(--white)}
.header:not(.header--scrolled) .nav__cta:hover{background:var(--white);color:var(--navy)}

.nav{display:flex;align-items:center;gap:32px}
.nav a{font-size:14px;font-weight:500;color:var(--gray);transition:.25s var(--ease)}
.nav a:hover{color:var(--navy)}
.nav__cta{
  padding:8px 22px;border-radius:100px;
  border:1.5px solid var(--border);
  font-weight:600;color:var(--navy)!important;
}
.nav__cta:hover{background:var(--navy);color:var(--white)!important;border-color:var(--navy)}

.menu-btn{
  display:none;background:none;border:none;cursor:pointer;
  width:28px;height:20px;position:relative;
}
.menu-btn span{
  display:block;width:100%;height:2px;background:var(--white);
  border-radius:2px;position:absolute;left:0;
  transition:.3s var(--ease);
}
.menu-btn span:first-child{top:0}
.menu-btn span:last-child{bottom:0}
.header--scrolled .menu-btn span{background:var(--navy)}

/* ===================================================
   HERO
   =================================================== */
.hero{
  position:relative;
  min-height:100vh;
  display:flex;align-items:center;
  padding:140px 0 100px;
  overflow:hidden;
}
.hero__bg{
  position:absolute;inset:0;
  background:linear-gradient(170deg,var(--navy-d) 0%,var(--navy) 50%,var(--navy-l) 100%);
}
.hero__bg::after{
  content:'';position:absolute;inset:0;
  background:radial-gradient(ellipse 70% 50% at 30% 60%,rgba(181,154,91,.06),transparent);
}
.hero__wrap{position:relative;z-index:1;max-width:720px}

.hero__eyebrow{
  font-size:12px;font-weight:600;
  letter-spacing:.14em;text-transform:uppercase;
  color:var(--gold-l);margin-bottom:28px;
}
.hero__h1{
  font-family:'DM Serif Display',Georgia,serif;
  font-size:clamp(36px,6vw,68px);
  font-weight:400;line-height:1.08;
  letter-spacing:-.02em;color:var(--white);
  margin-bottom:28px;
}
.hero__h1 em{font-style:italic;color:var(--gold-l)}

.hero__sub{
  font-size:17px;line-height:1.7;
  color:rgba(255,255,255,.55);
  max-width:520px;margin-bottom:40px;
}
.hero__ctas{display:flex;gap:14px;flex-wrap:wrap}

.hero__rule{
  position:absolute;bottom:0;left:0;right:0;
  height:1px;
  background:linear-gradient(90deg,transparent,var(--gold-l),transparent);
  opacity:.25;
}

/* ===================================================
   MARQUEE
   =================================================== */
.marquee{
  background:var(--navy);
  padding:16px 0;overflow:hidden;
  border-bottom:1px solid rgba(255,255,255,.05);
}
.marquee__track{
  display:flex;gap:40px;
  animation:scroll 30s linear infinite;
  white-space:nowrap;width:max-content;
}
.marquee__track span{
  font-size:13px;font-weight:500;
  letter-spacing:.08em;text-transform:uppercase;
  color:rgba(255,255,255,.35);
}
.marquee__dot{
  width:4px;height:4px;border-radius:50%;
  background:var(--gold);opacity:.5;
  flex-shrink:0;align-self:center;
}
@keyframes scroll{to{transform:translateX(-50%)}}

/* ===================================================
   SECTIONS
   =================================================== */
.section{padding:100px 0}
.section--dark{background:var(--navy);color:var(--white)}
.section--cream{background:var(--cream)}

/* --- Split layout --- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start}
.split__right p{font-size:16px;color:var(--gray);margin-bottom:16px;line-height:1.75}
.split__right p:last-of-type{margin-bottom:0}

/* --- Stats --- */
.stats{display:flex;gap:36px;margin-top:36px;padding-top:36px;border-top:1px solid var(--border)}
.stat__val{display:block;font-size:18px;font-weight:700;color:var(--navy);letter-spacing:-.01em}
.stat__lbl{font-size:12px;color:var(--gray-l);font-weight:500;margin-top:2px}

/* ===================================================
   PILLARS (Thesis)
   =================================================== */
.pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:56px}
.pillar{
  padding:36px 32px;
  border:1px solid var(--border-l);
  border-radius:var(--r);
  transition:.35s var(--ease);
}
.pillar:hover{border-color:rgba(181,154,91,.25);background:rgba(255,255,255,.03)}
.pillar__num{
  font-size:13px;font-weight:700;
  color:var(--gold-l);letter-spacing:.04em;
  margin-bottom:16px;display:block;
}
.pillar__title{font-size:18px;font-weight:600;margin-bottom:10px;color:var(--white)}
.pillar__text{font-size:14px;line-height:1.7;color:rgba(255,255,255,.5)}

/* ===================================================
   SECTORS
   =================================================== */
.sectors{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:48px}
.sector{
  padding:36px 28px;
  background:var(--white);
  border:1px solid var(--border);
  border-radius:var(--r);
  transition:.35s var(--ease);
}
.sector:hover{border-color:var(--gold);box-shadow:0 4px 20px rgba(181,154,91,.08);transform:translateY(-3px)}
.sector__icon{
  width:48px;height:48px;border-radius:var(--r);
  background:var(--ivory);
  display:flex;align-items:center;justify-content:center;
  color:var(--gold);margin-bottom:20px;
}
.sector__title{font-size:18px;font-weight:600;color:var(--navy);margin-bottom:8px}
.sector__text{font-size:14px;line-height:1.7;color:var(--gray)}

/* ===================================================
   CONTACT
   =================================================== */
.contact__sub{font-size:16px;color:var(--gray);line-height:1.75;margin-top:20px}
.contact__email{
  display:inline-block;margin-top:28px;
  font-size:17px;font-weight:600;color:var(--gold-d);
  border-bottom:1px solid var(--gold);
  padding-bottom:2px;transition:.25s var(--ease);
}
.contact__email:hover{color:var(--navy)}

.form{display:flex;flex-direction:column;gap:16px}
.form input,.form textarea,.form select{
  width:100%;padding:15px 18px;
  background:var(--white);
  border:1px solid var(--border);
  border-radius:var(--r);
  font-size:15px;font-family:inherit;color:var(--black);
  transition:.25s var(--ease);outline:none;
}
.form input:focus,.form textarea:focus,.form select:focus{
  border-color:var(--gold);box-shadow:0 0 0 3px rgba(181,154,91,.1);
}
.form select{appearance:none;cursor:pointer;
  background-image:url("data:image/svg+xml,%3Csvg width='12' height='8' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1 1.5L6 6.5L11 1.5' stroke='%236b7280' stroke-width='1.5' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 18px center;
}
.form textarea{resize:vertical;min-height:110px}

/* ===================================================
   FOOTER
   =================================================== */
.footer{padding:56px 0 28px;border-top:1px solid var(--border)}
.footer__wrap{display:flex;justify-content:space-between;align-items:start;gap:40px}
.footer__tag{font-size:14px;color:var(--gray-l);margin-top:12px}
.footer__links{display:flex;gap:28px;flex-wrap:wrap}
.footer__links a{font-size:14px;color:var(--gray);transition:.2s;font-weight:500}
.footer__links a:hover{color:var(--navy)}
.footer__bottom{
  margin-top:40px;padding-top:20px;
  border-top:1px solid var(--border);
}
.footer__bottom p{font-size:13px;color:var(--gray-l)}

/* ===================================================
   RESPONSIVE
   =================================================== */
@media(max-width:880px){
  .nav{display:none;position:fixed;top:72px;left:0;right:0;bottom:0;
    background:var(--white);flex-direction:column;padding:40px 28px;gap:20px;z-index:99}
  .nav.open{display:flex}
  .nav a{font-size:18px;color:var(--navy)!important}
  .nav__cta{width:100%;text-align:center;display:block}
  .menu-btn{display:block}
  .split{grid-template-columns:1fr;gap:40px}
  .pillars{grid-template-columns:1fr}
  .sectors{grid-template-columns:1fr}
  .hero__h1{font-size:clamp(32px,8vw,52px)}
  .stats{flex-wrap:wrap;gap:24px}
  .footer__wrap{flex-direction:column}
}