/* ============================================================
   HKFinance — HK Financial Holdings, LLC
   Bullion-gold on deep warm-black. All solid colors, no opacity,
   no gradients. Text always high-contrast against backgrounds.
   ============================================================ */

:root {
  --ink: #141109;
  --ink-soft: #1A160E;
  --panel: #221C10;
  --gold: #C9972E;
  --gold-deep: #A97A20;
  --pale: #EFE0B8;
  --cream: #F5EFE0;
  --hairline: #6A5B33;
}

* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: Georgia, "Times New Roman", serif;
  background-color: #141109;
  color: #F5EFE0;
  font-size: 16px;
  line-height: 1.75;
  overflow-x: hidden;
}

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

a {
  color: #C9972E;
  text-decoration: none;
}

a:hover {
  color: #EFE0B8;
}

h1, h2, h3, h4 {
  font-weight: 700;
  color: #F5EFE0;
  line-height: 1.2;
}

/* ============================================================
   HERO-EMBEDDED NAV — no separate navbar. The link row sits at
   the very top edge inside the hero and scrolls away with it.
   ============================================================ */

.hero-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 18px;
  max-width: 1200px;
  margin: 0 auto;
  padding: 26px 24px 0;
}

.hero-nav .brand {
  font-size: 22px;
  font-weight: 700;
  letter-spacing: 4px;
  color: #C9972E;
  text-decoration: none;
}

.hero-nav .brand:hover {
  color: #EFE0B8;
}

.hero-nav .nav-links {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 6px 28px;
  list-style: none;
}

.hero-nav .nav-links a {
  color: #F5EFE0;
  font-size: 16px;
  letter-spacing: 1px;
  text-transform: uppercase;
  font-family: Arial, Helvetica, sans-serif;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 4px 0;
}

.hero-nav .nav-links a::before {
  content: "";
  width: 8px;
  height: 8px;
  background-color: #C9972E;
  display: inline-block;
  flex: 0 0 8px;
}

.hero-nav .nav-links a:hover {
  color: #EFE0B8;
}

.hero-nav .nav-links a.is-active {
  box-shadow: 0 3px 0 0 #C9972E;
  color: #EFE0B8;
}

.nav-toggle {
  display: none;
  background: none;
  border: 2px solid #C9972E;
  color: #C9972E;
  font-size: 14px;
  letter-spacing: 2px;
  text-transform: uppercase;
  font-family: Arial, Helvetica, sans-serif;
  padding: 8px 14px;
  cursor: pointer;
}

/* ============================================================
   CENTERED STACK HERO
   ============================================================ */

.center-stack-hero {
  background-color: #141109;
  padding: 0 24px 96px;
  text-align: center;
}

.center-stack-hero .hero-inner {
  max-width: 860px;
  margin: 0 auto;
}

.center-stack-hero .eyebrow-chip {
  display: inline-block;
  background-color: #C9972E;
  color: #141109;
  font-family: Arial, Helvetica, sans-serif;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  font-size: 14px;
  padding: 8px 20px;
  margin-top: 48px;
}

.center-stack-hero h1 {
  font-size: 64px;
  line-height: 1.12;
  margin: 32px 0 24px;
}

.center-stack-hero h1 .gold-word {
  color: #C9972E;
}

.center-stack-hero .hero-sub {
  color: #EFE0B8;
  font-size: 20px;
  max-width: 680px;
  margin: 0 auto 36px;
  line-height: 1.8;
}

.center-stack-hero .hero-ctas {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 16px;
  margin-bottom: 64px;
}

.btn {
  display: inline-block;
  font-family: Arial, Helvetica, sans-serif;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  font-size: 14px;
  padding: 14px 30px;
  border: 2px solid transparent;
  cursor: pointer;
}

.btn-primary {
  background-color: #C9972E;
  color: #141109;
}

.btn-primary:hover {
  background-color: #EFE0B8;
  color: #141109;
}

.btn-outline {
  background-color: transparent;
  border-color: #EFE0B8;
  color: #EFE0B8;
}

.btn-outline:hover {
  background-color: #EFE0B8;
  color: #141109;
}

/* Gold coin stack graphic — three overlapping bullion-gold
   circles with a dark square hole punched in the top coin. */

.coin-stack {
  display: flex;
  justify-content: center;
  align-items: flex-start;
  padding-bottom: 8px;
}

.coin {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background-color: #C9972E;
  margin-left: -10px;
  position: relative;
}

.coin:first-child {
  margin-left: 0;
}

.coin-hole {
  position: absolute;
  top: 14px;
  left: 14px;
  width: 16px;
  height: 16px;
  background-color: #141109;
}

/* ============================================================
   DUO PANELS
   ============================================================ */

.duo-section {
  padding: 88px 24px;
}

.duo-section .duo-head {
  text-align: center;
  max-width: 760px;
  margin: 0 auto 56px;
}

.duo-section .duo-eyebrow {
  color: #C9972E;
  font-family: Arial, Helvetica, sans-serif;
  font-size: 14px;
  letter-spacing: 3px;
  text-transform: uppercase;
  font-weight: 700;
  display: block;
  margin-bottom: 14px;
}

.duo-section h2 {
  font-size: 40px;
  margin-bottom: 18px;
}

.duo-section .duo-lede {
  color: #EFE0B8;
  font-size: 18px;
}

.duo-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  max-width: 1200px;
  margin: 0 auto;
  border-top: 1px solid #6A5B33;
}

.duo-row:last-child {
  border-bottom: 1px solid #6A5B33;
}

.duo-panel {
  padding: 48px 44px;
  background-color: #141109;
}

.duo-panel + .duo-panel {
  border-left: 1px solid #6A5B33;
}

.duo-panel h3 {
  font-size: 26px;
  color: #C9972E;
  margin-bottom: 14px;
}

.duo-panel p {
  color: #EFE0B8;
  margin-bottom: 14px;
}

.duo-panel p:last-child {
  margin-bottom: 0;
}

/* ============================================================
   METRIC BAND — solid bullion-gold
   ============================================================ */

.metric-band {
  background-color: #C9972E;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  padding: 64px 24px;
}

.metric-cell {
  text-align: center;
  padding: 0 20px;
  position: relative;
}

.metric-cell + .metric-cell {
  border-left: 2px solid #141109;
}

.metric-cell .numeral {
  font-size: 48px;
  font-weight: 700;
  color: #EFE0B8;
  line-height: 1.1;
  font-family: Arial, Helvetica, sans-serif;
}

.metric-cell .label {
  display: block;
  margin-top: 10px;
  font-family: Arial, Helvetica, sans-serif;
  font-size: 14px;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: #141109;
  font-weight: 700;
}

/* ============================================================
   CTA BAND — solid pale gold with dark text
   ============================================================ */

.cta-band {
  background-color: #EFE0B8;
  color: #141109;
  text-align: center;
  padding: 88px 24px;
}

.cta-band h2 {
  color: #141109;
  font-size: 40px;
  margin-bottom: 16px;
}

.cta-band p {
  color: #2A2415;
  font-size: 18px;
  max-width: 640px;
  margin: 0 auto 32px;
}

/* ============================================================
   SINGLE-ROW FOOTER — one solid gold strip, one centered line
   ============================================================ */

.single-row-footer {
  background-color: #C9972E;
  color: #141109;
  padding: 22px 24px;
}

.single-row-footer .footer-line {
  max-width: 1200px;
  margin: 0 auto;
  text-align: center;
  font-family: Arial, Helvetica, sans-serif;
  font-size: 15px;
  line-height: 1.9;
}

.single-row-footer a {
  color: #141109;
  font-weight: 700;
  text-decoration: underline;
}

.single-row-footer a:hover {
  color: #221C10;
}

/* ============================================================
   SHARED: secondary pages (services / contact)
   ============================================================ */

.page-hero {
  background-color: #141109;
  padding: 96px 24px 72px;
  text-align: center;
}

.page-hero .eyebrow-chip {
  display: inline-block;
  background-color: #C9972E;
  color: #141109;
  font-family: Arial, Helvetica, sans-serif;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  font-size: 14px;
  padding: 8px 20px;
}

.page-hero h1 {
  font-size: 52px;
  margin: 24px 0 18px;
}

.page-hero p {
  color: #EFE0B8;
  font-size: 18px;
  max-width: 680px;
  margin: 0 auto;
}

/* Generic section wrapper on secondary pages */

.page-section {
  padding: 72px 24px;
  max-width: 1200px;
  margin: 0 auto;
}

.page-section .section-eyebrow {
  color: #C9972E;
  font-family: Arial, Helvetica, sans-serif;
  font-size: 14px;
  letter-spacing: 3px;
  text-transform: uppercase;
  font-weight: 700;
  display: block;
  margin-bottom: 12px;
}

.page-section h2 {
  font-size: 34px;
  margin-bottom: 24px;
}

.page-section p {
  color: #EFE0B8;
  margin-bottom: 18px;
  max-width: 860px;
}

.page-section ul {
  color: #EFE0B8;
  padding-left: 24px;
  margin-bottom: 18px;
}

.page-section ul li {
  margin-bottom: 10px;
}

/* Services list (services page) */

.service-item {
  border-top: 1px solid #6A5B33;
  padding: 40px 0;
  display: grid;
  grid-template-columns: 90px 1fr;
  gap: 32px;
}

.service-item:last-child {
  border-bottom: 1px solid #6A5B33;
}

.service-item .service-num {
  color: #C9972E;
  font-family: Arial, Helvetica, sans-serif;
  font-size: 40px;
  font-weight: 700;
  line-height: 1;
}

.service-item h3 {
  font-size: 24px;
  color: #C9972E;
  margin-bottom: 12px;
}

.service-item p {
  color: #EFE0B8;
  margin-bottom: 12px;
}

.service-item p:last-child {
  margin-bottom: 0;
}

/* Process overview (services page) */

.process-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 24px;
}

.process-step {
  background-color: #221C10;
  padding: 32px 28px;
  border-top: 4px solid #C9972E;
}

.process-step .step-label {
  color: #C9972E;
  font-family: Arial, Helvetica, sans-serif;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  font-size: 13px;
  display: block;
  margin-bottom: 12px;
}

.process-step h3 {
  font-size: 20px;
  margin-bottom: 12px;
}

.process-step p {
  color: #EFE0B8;
  margin-bottom: 0;
}

/* Contact page */

.contact-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}

.contact-form .form-row {
  margin-bottom: 20px;
}

.contact-form label {
  display: block;
  font-family: Arial, Helvetica, sans-serif;
  font-size: 14px;
  letter-spacing: 1px;
  text-transform: uppercase;
  font-weight: 700;
  color: #EFE0B8;
  margin-bottom: 8px;
}

.contact-form input,
.contact-form textarea {
  width: 100%;
  background-color: #221C10;
  border: 2px solid #6A5B33;
  color: #F5EFE0;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 16px;
  padding: 14px 16px;
}

.contact-form input:focus,
.contact-form textarea:focus {
  border-color: #C9972E;
  outline: none;
}

.contact-form .form-note {
  font-size: 14px;
  color: #EFE0B8;
  margin-top: 6px;
}

.contact-meta {
  background-color: #221C10;
  padding: 40px 36px;
}

.contact-meta h3 {
  color: #C9972E;
  font-size: 20px;
  margin-bottom: 10px;
}

.contact-meta p {
  color: #EFE0B8;
  margin-bottom: 22px;
}

.contact-meta .meta-strong {
  color: #C9972E;
  font-family: Arial, Helvetica, sans-serif;
  font-size: 14px;
  letter-spacing: 1px;
  text-transform: uppercase;
  font-weight: 700;
  display: block;
  margin-bottom: 4px;
}

/* FAQ accordion (contact page) */

.faq-item {
  border-top: 1px solid #6A5B33;
}

.faq-item:last-child {
  border-bottom: 1px solid #6A5B33;
}

.faq-question {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  color: #C9972E;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 20px;
  font-weight: 700;
  padding: 22px 44px 22px 0;
  cursor: pointer;
  position: relative;
}

.faq-question::after {
  content: "+";
  position: absolute;
  right: 8px;
  top: 50%;
  transform: translateY(-50%);
  color: #C9972E;
  font-size: 26px;
  line-height: 1;
}

.faq-item.is-open .faq-question::after {
  content: "−";
}

.faq-answer {
  display: none;
  padding-bottom: 24px;
  color: #EFE0B8;
  max-width: 860px;
}

.faq-item.is-open .faq-answer {
  display: block;
}

/* Scroll reveal (safe fallback) */

.fade-up {
  opacity: 0;
  transform: translateY(26px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.fade-up.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ============================================================
   RESPONSIVE
   ============================================================ */

@media (max-width: 900px) {
  .duo-row {
    grid-template-columns: 1fr;
  }

  .duo-panel + .duo-panel {
    border-left: none;
    border-top: 1px solid #6A5B33;
  }

  .metric-band {
    grid-template-columns: 1fr 1fr;
    gap: 32px 0;
  }

  .metric-cell:nth-child(3) {
    border-left: none;
  }

  .process-steps {
    grid-template-columns: 1fr;
  }

  .contact-wrap {
    grid-template-columns: 1fr;
  }

  .center-stack-hero h1 {
    font-size: 46px;
  }

  .page-hero h1 {
    font-size: 40px;
  }

  .service-item {
    grid-template-columns: 1fr;
    gap: 12px;
  }
}

@media (max-width: 640px) {
  .nav-toggle {
    display: inline-block;
  }

  .hero-nav .nav-links {
    display: none;
    width: 100%;
    flex-direction: column;
    align-items: flex-start;
    gap: 12px;
    padding: 16px 0 8px;
  }

  .hero-nav .nav-links.is-open {
    display: flex;
  }

  .center-stack-hero h1 {
    font-size: 36px;
  }

  .metric-band {
    grid-template-columns: 1fr;
  }

  .metric-cell + .metric-cell {
    border-left: none;
    border-top: 2px solid #141109;
    padding-top: 28px;
  }

  .center-stack-hero {
    padding-bottom: 72px;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  .fade-up {
    opacity: 1;
    transform: none;
    transition: none;
  }
}