/* =========================================================
   Legacy Financial — Site Footer
   Full-width dark navy background, 1440px content area
   Font: Quicksand (Google Fonts)
   ========================================================= */

/* =========================================================
   Contact form ribbon — sits above the calculator ribbon
   ========================================================= */

.lf-cf-ribbon {
	position: relative;
	width: 100%;
	background-image: var(--lf-cf-bg);
	background-size: cover;
	background-position: center;
	background-repeat: no-repeat;
	overflow: hidden;
}

/* Green overlay */
.lf-cf-ribbon::before {
	content: '';
	position: absolute;
	inset: 0;
	background: rgba(48, 254, 137, 0.63);
	pointer-events: none;
}

.lf-cf-ribbon__inner {
	position: relative;
	max-width: 1440px;
	margin: 0 auto;
	padding: 80px 20px;
	display: flex;
	align-items: center;
	justify-content: center;
}

/* Frosted glass outer card */
.lf-cf-ribbon__card {
	display: flex;
	width: 100%;
	background: rgba(255, 255, 255, 0.56);
	backdrop-filter: blur(15.4px);
	-webkit-backdrop-filter: blur(15.4px);
	border-radius: 29px;
	overflow: hidden;
}

/* ---- Left info panel ---- */
.lf-cf-ribbon__info {
	flex: 1;
	display: flex;
	flex-direction: column;
	justify-content: center;
	gap: 20px;
	padding: 48px 40px;
}

/* Reach Out pill */
.lf-cf-ribbon__label {
	display: inline-flex;
	align-items: center;
	align-self: flex-start;
	gap: 7px;
	font-family: 'Quicksand', sans-serif;
	font-size: 13px;
	font-weight: 600;
	color: #1d1d1d;
	background: rgba(255, 255, 255, 0.5);
	border-radius: 150px;
	padding: 8px 14px;
}

.lf-cf-ribbon__heading {
	font-family: 'Quicksand', sans-serif;
	font-size: 42px;
	font-weight: 700;
	color: #1d1d1d;
	margin: 0;
	line-height: 1.15;
}

.lf-cf-ribbon__text {
	font-family: 'Quicksand', sans-serif;
	font-size: 15px;
	font-weight: 500;
	color: #1d1d1d;
	margin: 0;
	line-height: 1.65;
}

.lf-cf-ribbon__contacts {
	display: flex;
	flex-direction: column;
	gap: 12px;
}

.lf-cf-ribbon__contact-item {
	display: inline-flex;
	align-items: center;
	gap: 12px;
	font-family: 'Quicksand', sans-serif;
	font-size: 14px;
	font-weight: 600;
	color: #1d1d1d;
	text-decoration: none;
	transition: opacity 0.2s ease;
}

.lf-cf-ribbon__contact-item:hover {
	opacity: 0.7;
}

/* Icon pill — white rounded container */
.lf-cf-ribbon__icon-pill {
	display: inline-flex;
	align-items: center;
	justify-content: center;
	padding: 8px 12px;
	background: rgba(255, 255, 255, 0.5);
	border-radius: 57px;
	flex-shrink: 0;
}

/* WhatsApp button */
.lf-cf-ribbon__whatsapp {
	display: inline-flex;
	align-items: center;
	align-self: flex-start;
	height: 43px;
	padding: 0 24px;
	background: #0E7EAC;
	border: 2px solid #33C0F9;
	color: #ffffff;
	font-family: 'Quicksand', sans-serif;
	font-size: 15px;
	font-weight: 700;
	text-decoration: none;
	border-radius: 999px;
	box-sizing: border-box;
	transition: background-color 0.2s ease, transform 0.15s ease;
	margin-top: 4px;
}

.lf-cf-ribbon__whatsapp:hover {
	background-color: #0a6289;
	color: #ffffff;
	transform: translateY(-1px);
}

/* ---- Right form panel — solid white ---- */
.lf-cf-ribbon__form {
	flex: 0 0 700px;
	width: 700px;
	background: rgba(255, 255, 255, 0.74);
	border-radius: 29px;
	padding: 50px 70px;
	box-sizing: border-box;
	display: flex;
	align-items: center;
}

/* ---- CF7 form styling ---- */
.lf-cf-ribbon__form .wpcf7 {
	margin: 0;
	width: 100%;
}

.lf-cf-ribbon__form .wpcf7-form {
	display: grid;
	grid-template-columns: 1fr 1fr;
	gap: 16px;
	width: 100%;
}

/* Hidden fields fieldset — collapse it */
.lf-cf-ribbon__form .wpcf7-form .hidden-fields-container {
	display: none;
}

/* Name (col 1) and Email (col 2) sit side by side */
.lf-cf-ribbon__form .wpcf7-form > p:nth-of-type(1) { grid-column: 1; }
.lf-cf-ribbon__form .wpcf7-form > p:nth-of-type(2) { grid-column: 2; }

/* Subject, Message, Submit and response output — full width */
.lf-cf-ribbon__form .wpcf7-form > p:nth-of-type(n+3),
.lf-cf-ribbon__form .wpcf7-form .wpcf7-response-output {
	grid-column: 1 / -1;
}

.lf-cf-ribbon__form .wpcf7-form > p {
	margin: 0;
	display: flex;
	flex-direction: column;
}

/* Labels */
.lf-cf-ribbon__form .wpcf7-form label {
	display: flex;
	flex-direction: column;
	gap: 6px;
	width: 100%;
	font-family: 'Quicksand', sans-serif;
	font-size: 13px;
	font-weight: 600;
	color: #08241D;
}

/* Make control-wrap fill label width */
.lf-cf-ribbon__form .wpcf7-form-control-wrap {
	width: 100%;
}

.lf-cf-ribbon__form input[type="text"],
.lf-cf-ribbon__form input[type="email"] {
	width: 100%;
	height: 32px;
	font-family: 'Quicksand', sans-serif;
	font-size: 14px;
	font-weight: 500;
	color: #1d1d1d;
	background: #f9f9f9;
	border: 1px solid #e0e0e0;
	border-radius: 10px;
	padding: 0 12px;
	box-sizing: border-box;
	outline: none;
	transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.lf-cf-ribbon__form textarea {
	width: 100%;
	font-family: 'Quicksand', sans-serif;
	font-size: 14px;
	font-weight: 500;
	color: #1d1d1d;
	background: #f9f9f9;
	border: 1px solid #e0e0e0;
	border-radius: 10px;
	padding: 8px 12px;
	box-sizing: border-box;
	outline: none;
	transition: border-color 0.2s ease, box-shadow 0.2s ease;
	resize: none;
}

.lf-cf-ribbon__form input[type="text"]::placeholder,
.lf-cf-ribbon__form input[type="email"]::placeholder,
.lf-cf-ribbon__form textarea::placeholder {
	color: #aaaaaa;
	font-weight: 500;
}

.lf-cf-ribbon__form input[type="text"]:focus,
.lf-cf-ribbon__form input[type="email"]:focus,
.lf-cf-ribbon__form textarea:focus {
	border-color: #009D44;
	box-shadow: 0 0 0 3px rgba(0, 157, 68, 0.1);
	background: #ffffff;
}

.lf-cf-ribbon__form textarea {
	min-height: 130px;
}

.lf-cf-ribbon__form input[type="submit"],
.lf-cf-ribbon__form .wpcf7-submit {
	align-self: stretch;
	display: flex;
	align-items: center;
	justify-content: center;
	height: 43px;
	width: 100%;
	padding: 0;
	background: #009D44;
	border: 2px solid #30FE89;
	color: #ffffff;
	font-family: 'Quicksand', sans-serif;
	font-size: 16px;
	font-weight: 700;
	border-radius: 999px;
	box-sizing: border-box;
	cursor: pointer;
	transition: background-color 0.2s ease, transform 0.15s ease;
}

.lf-cf-ribbon__form input[type="submit"]:hover,
.lf-cf-ribbon__form .wpcf7-submit:hover {
	background-color: #007d36;
	transform: translateY(-1px);
}

/* ---- Responsive ---- */
@media (max-width: 1024px) {
	.lf-cf-ribbon__card {
		flex-direction: column;
	}

	.lf-cf-ribbon__info {
		flex: none;
		padding: 40px 32px 32px;
	}

	.lf-cf-ribbon__form {
		flex: none;
		width: 100%;
		border-radius: 0 0 29px 29px;
		padding: 40px 48px;
	}
}

@media (max-width: 640px) {
	.lf-cf-ribbon__inner {
		padding: 48px 20px;
	}

	.lf-cf-ribbon__info {
		padding: 32px 24px 24px;
	}

	.lf-cf-ribbon__heading {
		font-size: 32px;
	}

	.lf-cf-ribbon__form {
		padding: 32px 24px 40px;
	}

	.lf-cf-ribbon__form .wpcf7-form .lf-cf-row {
		flex-direction: column;
	}
}

/* =========================================================
   Calculator ribbon — sits above the footer
   ========================================================= */

.lf-calc-ribbon {
	width: 100%;
	background-color: #4CF695;
}

.lf-calc-ribbon__inner {
	display: flex;
	flex-direction: column;
	align-items: center;
	text-align: center;
	max-width: 1440px;
	margin: 0 auto;
	padding: 72px 20px;
	gap: 16px;
}

.lf-calc-ribbon__heading {
	font-family: 'Quicksand', sans-serif;
	font-size: 36px;
	font-weight: 700;
	color: #1a1a1a;
	margin: 0;
	line-height: 1.2;
}

.lf-calc-ribbon__text {
	font-family: 'Quicksand', sans-serif;
	font-size: 17px;
	font-weight: 500;
	color: #1a1a1a;
	margin: 0 0 8px;
	line-height: 1.65;
}

.lf-calc-ribbon__btn {
	display: inline-flex;
	align-items: center;
	gap: 10px;
	padding: 14px 32px;
	background-color: #2f9d67;
	color: #ffffff;
	font-family: 'Quicksand', sans-serif;
	font-size: 17px;
	font-weight: 700;
	text-decoration: none;
	border-radius: 150px;
	transition: background-color 0.2s ease, transform 0.15s ease;
	white-space: nowrap;
}

.lf-calc-ribbon__btn:hover {
	background-color: #267d52;
	color: #ffffff;
	transform: translateY(-1px);
}

@media (max-width: 640px) {
	.lf-calc-ribbon__inner {
		padding: 56px 20px;
	}

	.lf-calc-ribbon__heading {
		font-size: 26px;
	}

	.lf-calc-ribbon__text {
		font-size: 15px;
	}

	.lf-calc-ribbon__text br {
		display: none;
	}
}

/* =========================================================
   Site Footer
   ========================================================= */

.lf-footer {
	width: 100%;
	background-color: #0d1b2a;
	font-family: 'Quicksand', sans-serif;
	color: #ffffff;
}

/* =========================================================
   Top section — 4-column grid
   ========================================================= */

.lf-footer__top {
	width: 100%;
}

.lf-footer__inner {
	display: grid;
	grid-template-columns: 2fr 1fr 1fr 1.2fr;
	gap: 48px;
	max-width: 1440px;
	margin: 0 auto;
	padding: 72px 20px 64px;
}

/* ---- Brand column ---- */
.lf-footer__brand {
	display: flex;
	flex-direction: column;
	gap: 24px;
}

.lf-footer__logo a {
	display: inline-block;
	text-decoration: none;
}

.lf-footer__logo img,
.lf-footer__logo .custom-logo {
	width: 469px;
	height: 86px;
	object-fit: contain;
	display: block;
	max-width: 100%;
}

.lf-footer__tagline {
	font-family: 'Quicksand', sans-serif;
	font-size: 15px;
	font-weight: 400;
	color: #ffffff;
	line-height: 1.7;
	margin: 0;
	max-width: 380px;
}

/* ---- Nav columns ---- */
.lf-footer__col {
	display: flex;
	flex-direction: column;
	gap: 16px;
}

.lf-footer__heading {
	font-family: 'Quicksand', sans-serif;
	font-size: 18px;
	font-weight: 700;
	color: #ffffff;
	margin: 0 0 8px;
	padding: 0;
}

.lf-footer__menu {
	list-style: none;
	margin: 0;
	padding: 0;
	display: flex;
	flex-direction: column;
	gap: 12px;
}

.lf-footer__menu li {
	margin: 0;
	padding: 0;
}

.lf-footer__menu a {
	font-family: 'Quicksand', sans-serif;
	font-size: 15px;
	font-weight: 500;
	color: #ffffff;
	text-decoration: none;
	transition: color 0.2s ease;
}

.lf-footer__menu a:hover {
	color: #30FE89;
}

/* ---- Contact column ---- */
.lf-footer__contact {
	gap: 14px;
}

.lf-footer__contact-item {
	font-family: 'Quicksand', sans-serif;
	font-size: 15px;
	font-weight: 400;
	color: #ffffff;
	margin: 0;
	line-height: 1.6;
}

.lf-footer__contact-label {
	font-weight: 600;
	display: block;
	margin-bottom: 2px;
}

.lf-footer__contact-item a {
	color: #ffffff;
	text-decoration: none;
	transition: color 0.2s ease;
}

.lf-footer__contact-item a:hover {
	color: #30FE89;
}

.lf-footer__contact-address {
	white-space: pre-line;
}

/* =========================================================
   Legal / Regulatory disclosures
   ========================================================= */

.lf-footer__legal {
	width: 100%;
	border-top: 1px solid rgba( 255, 255, 255, 0.12 );
}

.lf-footer__legal-inner {
	display: grid;
	grid-template-columns: 1fr 1.5fr;
	gap: 56px;
	align-items: start;
	max-width: 1440px;
	margin: 0 auto;
	padding: 48px 20px 56px;
}

.lf-footer__legal-label {
	font-family: 'Quicksand', sans-serif;
	font-size: 10px;
	font-weight: 700;
	text-transform: uppercase;
	letter-spacing: 0.12em;
	color: #30FE89;
	margin: 0 0 16px;
}

/* ---- Left: statutory disclosures ---- */

.lf-footer__legal-disclosures {
	display: flex;
	flex-direction: column;
	gap: 10px;
}

.lf-footer__legal-text {
	font-family: 'Quicksand', sans-serif;
	font-size: 11.5px;
	font-weight: 400;
	color: rgba( 255, 255, 255, 0.5 );
	margin: 0;
	line-height: 1.7;
}

/* ---- Right: risk warnings ---- */

.lf-footer__legal-risks {
	display: flex;
	flex-direction: column;
}

.lf-footer__risk-list {
	list-style: none;
	margin: 0;
	padding: 0;
	display: flex;
	flex-direction: column;
}

.lf-footer__risk-list li {
	font-family: 'Quicksand', sans-serif;
	font-size: 11.5px;
	font-weight: 500;
	color: rgba( 255, 255, 255, 0.65 );
	padding: 12px 0 12px 16px;
	border-left: 2px solid rgba( 76, 254, 137, 0.35 );
	border-bottom: 1px solid rgba( 255, 255, 255, 0.07 );
	line-height: 1.6;
	margin: 0;
}

.lf-footer__risk-list li:last-child {
	border-bottom: none;
}

.lf-footer__risk-list li strong {
	font-weight: 700;
	color: rgba( 255, 255, 255, 0.88 );
}

/* =========================================================
   Bottom bar
   ========================================================= */

.lf-footer__bottom {
	width: 100%;
	border-top: 1px solid rgba( 255, 255, 255, 0.15 );
}

.lf-footer__bottom-inner {
	display: flex;
	align-items: center;
	justify-content: space-between;
	max-width: 1440px;
	margin: 0 auto;
	padding: 20px 20px;
}

.lf-footer__copyright {
	font-family: 'Quicksand', sans-serif;
	font-size: 13px;
	font-weight: 400;
	color: rgba( 255, 255, 255, 0.7 );
	margin: 0;
}

/* ---- Social icons ---- */
.lf-footer__social {
	display: flex;
	align-items: center;
	gap: 16px;
}

.lf-footer__social-link {
	display: flex;
	align-items: center;
	justify-content: center;
	color: rgba( 255, 255, 255, 0.7 );
	transition: color 0.2s ease;
	text-decoration: none;
}

.lf-footer__social-link:hover {
	color: #ffffff;
}

/* =========================================================
   Responsive
   ========================================================= */

@media (max-width: 1024px) {
	.lf-footer__inner {
		grid-template-columns: 1fr 1fr;
		gap: 40px;
		padding: 56px 20px 48px;
	}

	.lf-footer__brand {
		grid-column: 1 / -1;
	}

	.lf-footer__logo img,
	.lf-footer__logo .custom-logo {
		width: 320px;
		height: auto;
	}

	.lf-footer__legal-inner {
		grid-template-columns: 1fr;
		gap: 36px;
		padding: 40px 20px 48px;
	}
}

@media (max-width: 640px) {
	.lf-footer__inner {
		grid-template-columns: 1fr;
		gap: 32px;
		padding: 48px 20px 40px;
	}

	.lf-footer__legal-inner {
		padding: 36px 20px 40px;
		gap: 28px;
	}

	.lf-footer__bottom-inner {
		flex-direction: column;
		gap: 16px;
		text-align: center;
		padding: 24px 20px;
	}

	.lf-footer__logo img,
	.lf-footer__logo .custom-logo {
		width: 240px;
		height: auto;
	}
}