/* ═══════════════════════════════════════════════════════════════
   PSM Finance — shared brand system (navy / steel, from the logo)
   Used by the home, about, services, contact pages.
   ═══════════════════════════════════════════════════════════════ */
:root{
  --navy:#16324F;        /* primary — house + "PSM" */
  --navy-deep:#0E2438;   /* darker sections / hovers */
  --navy-ink:#0c1c2e;
  --steel:#5E7488;       /* "Finance" — secondary */
  --steel-2:#48586a;
  --steel-light:#8A9AA8;
  --accent:#1E6FB8;      /* brighter trust-blue — CTAs / links */
  --accent-deep:#185C9B;
  --accent-soft:rgba(30,111,184,.10);
  --paper:#F4F6F8;       /* cool page background */
  --paper-2:#eaeef2;
  --surface:#ffffff;
  --surface-2:#f8fafb;
  --border:rgba(22,50,79,.12);
  --border-2:rgba(22,50,79,.20);
  --text:#13212E;
  --sub:#52616E;
  --muted:#8794a0;
  --green:#0F7A5A;
  --green-bg:rgba(15,122,90,.09);
  --amber:#E0A020;
  --on-dark:#eaf1f8;
  --on-dark-sub:#9fb2c4;
  --shadow-sm:0 1px 2px rgba(12,28,46,.05), 0 1px 1px rgba(12,28,46,.03);
  --shadow-md:0 6px 20px rgba(22,50,79,.09), 0 2px 6px rgba(12,28,46,.05);
  --shadow-lg:0 28px 64px -18px rgba(22,50,79,.28), 0 8px 24px rgba(12,28,46,.08);
  --r:14px; --r-sm:10px; --r-lg:22px;
  --maxw:1180px;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{background:var(--paper);color:var(--text);font-family:'Plus Jakarta Sans',system-ui,-apple-system,sans-serif;font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img,svg{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
button{font:inherit;cursor:pointer;border:0;background:none;color:inherit}
::selection{background:var(--navy);color:#fff}

h1,h2,h3,h4{font-family:'Sora',sans-serif;font-weight:800;color:var(--navy);letter-spacing:-.02em;line-height:1.1;text-wrap:balance}
h1{font-size:clamp(38px,5.2vw,64px)}
h2{font-size:clamp(28px,3.6vw,44px)}
h3{font-size:clamp(19px,2vw,24px);font-weight:700}
h4{font-size:17px;font-weight:700}
p{text-wrap:pretty}

.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.eyebrow{font-family:'Sora',sans-serif;font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.14em;color:var(--accent)}
.lead{font-size:19px;color:var(--sub);line-height:1.6}
.center{text-align:center}
.section{padding:84px 0;position:relative}
.section-head{max-width:720px;margin:0 auto 52px;text-align:center}
.section-head h2{margin:12px 0 14px}
.section-head p{font-size:18px;color:var(--sub)}
@media(max-width:560px){.section{padding:56px 0}.wrap{padding:0 18px}}

/* ─ buttons ─ */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:'Sora',sans-serif;font-weight:700;font-size:15px;padding:13px 22px;border-radius:var(--r-sm);transition:transform .12s,box-shadow .2s,background .2s;white-space:nowrap}
.btn-primary{background:var(--accent);color:#fff;box-shadow:0 6px 18px rgba(30,111,184,.28)}
.btn-primary:hover{background:var(--accent-deep);transform:translateY(-1px);box-shadow:0 10px 26px rgba(30,111,184,.34)}
.btn-navy{background:var(--navy);color:#fff;box-shadow:0 6px 18px rgba(22,50,79,.26)}
.btn-navy:hover{background:var(--navy-deep);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:var(--navy);border:1.5px solid var(--border-2)}
.btn-ghost:hover{background:var(--accent-soft);border-color:var(--accent)}
.btn-lg{padding:17px 30px;font-size:17px}
.btn-on-dark{background:#fff;color:var(--navy)}
.btn-on-dark:hover{background:#fff;color:var(--accent)}

/* ─ logo lockup ─ */
.logo{display:inline-flex;align-items:center;gap:11px;flex-shrink:0}
.logo .mark{width:38px;height:38px;color:var(--navy)}
.logo-text{font-family:'Sora',sans-serif;font-size:21px;font-weight:700;letter-spacing:-.01em;color:var(--steel);line-height:1}
.logo-text b{color:var(--navy);font-weight:800}

/* ─ header ─ */
.site-header{position:sticky;top:0;z-index:50;background:rgba(244,246,248,.82);backdrop-filter:blur(14px);border-bottom:1px solid transparent;transition:border-color .2s,background .2s}
.site-header.scrolled{border-color:var(--border);background:rgba(244,246,248,.95)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:14px 24px;max-width:var(--maxw);margin:0 auto}
.nav{display:flex;align-items:center;gap:26px;font-size:14.5px;font-weight:600;color:var(--sub)}
.nav a{position:relative;transition:color .15s}
.nav a:hover,.nav a.active{color:var(--navy)}
.nav a.active::after{content:"";position:absolute;left:0;right:0;bottom:-6px;height:2px;background:var(--accent);border-radius:2px}
.header-cta{display:flex;align-items:center;gap:12px}
.header-phone{display:inline-flex;align-items:center;gap:7px;color:var(--navy);font-family:'Sora',sans-serif;font-weight:700;font-size:14.5px;white-space:nowrap;flex-shrink:0}
.header-phone:hover{color:var(--accent)}
.header-phone svg{width:17px;height:17px;stroke:currentColor;fill:none;stroke-width:2}
.nav-cta{display:none}
.nav-toggle{display:none;width:42px;height:42px;border:1px solid var(--border);border-radius:10px;background:var(--surface);align-items:center;justify-content:center;flex-shrink:0}
.nav-toggle svg{width:20px;height:20px;stroke:var(--navy)}
@media(max-width:1024px){
  .nav{position:fixed;inset:64px 0 auto 0;flex-direction:column;background:var(--surface);border-bottom:1px solid var(--border);padding:18px 22px 22px;gap:16px;align-items:stretch;transform:translateY(-135%);transition:transform .25s;box-shadow:var(--shadow-md);max-height:calc(100vh - 64px);overflow-y:auto}
  .nav.open{transform:translateY(0)}
  .nav-toggle{display:inline-flex}
  .header-cta{display:none}
  .nav-cta{display:flex;justify-content:center;margin-top:4px}
  .header-phone{margin-left:auto}
  .header-phone .num{display:none}
}

/* ─ cards / grids ─ */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
@media(max-width:880px){.grid-3{grid-template-columns:1fr}.grid-2{grid-template-columns:1fr}}
.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);padding:28px;box-shadow:var(--shadow-sm);transition:transform .18s,box-shadow .18s,border-color .15s}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow-md);border-color:var(--border-2)}
.card .ic{width:46px;height:46px;border-radius:12px;background:var(--accent-soft);color:var(--accent);display:grid;place-items:center;margin-bottom:16px}
.card .ic svg{width:24px;height:24px;stroke:var(--accent);fill:none;stroke-width:1.8}
.card h3{margin-bottom:8px}
.card p{color:var(--sub);font-size:15px}

/* ─ trust strip ─ */
.trust-row{display:flex;flex-wrap:wrap;gap:10px 22px;align-items:center}
.trust-item{display:inline-flex;align-items:center;gap:8px;font-size:13.5px;color:var(--sub);font-weight:500}
.trust-item svg{width:17px;height:17px;color:var(--green);flex-shrink:0}

/* ─ dark band ─ */
.band-dark{background:linear-gradient(150deg,var(--navy) 0%,var(--navy-deep) 100%);color:var(--on-dark)}
.band-dark h2{color:#fff}
.band-dark p{color:var(--on-dark-sub)}
.band-dark .eyebrow{color:#7fb2e0}

/* ─ footer ─ */
.site-footer{background:var(--navy-deep);color:var(--on-dark-sub);padding:54px 0 30px;font-size:14px;line-height:1.7}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:34px;margin-bottom:32px}
@media(max-width:780px){.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.footer-grid{grid-template-columns:1fr}}
.footer-col h4{color:#fff;font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.1em;margin-bottom:14px;font-family:'Sora',sans-serif}
.footer-col a{display:block;padding:4px 0;color:var(--on-dark-sub)}
.footer-col a:hover{color:#fff}
.site-footer .logo-text{color:#cfdbe6}
.site-footer .logo-text b{color:#fff}
.site-footer .logo .mark{color:#fff}
.footer-brand p{margin:14px 0 0;color:var(--on-dark-sub);max-width:300px}
.footer-legal{border-top:1px solid rgba(255,255,255,.1);padding-top:22px;color:var(--on-dark-sub);font-size:12.5px;line-height:1.6}
.footer-legal p{margin-bottom:9px}
.footer-legal a{color:#bcd}