/* Carmona Wealth — carmonawealth.com rebuild
   Navy #16234E · Antique Gold #B08B45 · Cool canvas #F4F6F8
   Outfit (display) · EB Garamond (editorial serif) · Inter (body) */

:root{
  --navy:#16234E;
  --navy-deep:#0E1834;
  --navy-soft:#1E2E63;
  --gold:#B08B45;
  --gold-bright:#C9A45C;
  --gold-soft:rgba(176,139,69,.14);
  --ink:#1A2138;
  --ink-2:#3D4661;
  --ink-3:#6B7490;
  --canvas:#F4F6F8;
  --white:#FFFFFF;
  --line:#DDE2EC;
  --line-dark:rgba(255,255,255,.14);
  --radius:14px;
  --shadow:0 10px 40px rgba(22,35,78,.10);
  --shadow-lg:0 24px 70px rgba(22,35,78,.16);
  --wrap:1180px;
  --font-d:'Montserrat',sans-serif;
  --font-s:'EB Garamond',serif;
  --font-b:'Inter',sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.reveal{opacity:1!important;transform:none!important;transition:none!important}}
body{font-family:var(--font-b);color:var(--ink);background:var(--canvas);line-height:1.65;font-size:16.5px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--navy);text-decoration:none}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 28px}
.wrap-narrow{max-width:860px;margin:0 auto;padding:0 28px}

/* ---------- type ---------- */
h1,h2,.disp{font-family:var(--font-s);color:var(--navy);letter-spacing:-.012em;line-height:1.08;font-weight:600}
h1{font-size:clamp(2.6rem,5.6vw,4.3rem)}
h1,h2,h3,.disp{text-wrap:balance}
h2{font-size:clamp(2rem,3.7vw,2.85rem)}
h3{font-family:var(--font-d);color:var(--navy);font-size:1.26rem;letter-spacing:-.02em;line-height:1.22;font-weight:700}
.serif{font-family:var(--font-s);font-weight:500;letter-spacing:0}
.thin{font-weight:300}
.gold-word{color:var(--gold)}
.eyebrow{font-family:var(--font-d);font-weight:700;font-size:.78rem;letter-spacing:.22em;text-transform:uppercase;color:var(--gold);display:flex;align-items:center;gap:14px;margin-bottom:18px}
.eyebrow::before{content:"";width:34px;height:2px;background:var(--gold)}
.lede{font-size:1.17rem;color:var(--ink-2);line-height:1.72;font-weight:400}
.prose p{margin:0 0 1.15em;color:var(--ink-2)}
.prose h2{margin:1.8em 0 .55em}
.prose h3{margin:1.5em 0 .5em}
.prose ul,.prose ol{margin:0 0 1.15em 1.3em;color:var(--ink-2)}
.prose li{margin-bottom:.45em}
.prose strong{color:var(--ink)}
.prose .pull{font-family:var(--font-s);font-size:1.45rem;line-height:1.45;color:var(--navy);border-left:3px solid var(--gold);padding:.35em 0 .35em 1.1em;margin:1.6em 0}

/* ---------- header ---------- */
.top{position:sticky;top:0;z-index:200;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.top-in{max-width:var(--wrap);margin:0 auto;padding:0 28px;height:92px;display:flex;align-items:center;gap:34px}
.logo{flex:0 0 auto}
.logo img{height:58px;width:auto}
@media(max-width:1080px){.logo img{height:40px}}
@media(max-width:400px){.mtel{font-size:.92rem}}
nav.main{display:flex;align-items:center;gap:6px;margin-left:auto}
nav.main>div{position:relative}
nav.main a.nl,nav.main button.nl{font-family:var(--font-d);font-weight:600;font-size:.95rem;color:var(--ink);padding:10px 13px;border-radius:8px;background:none;border:0;cursor:pointer;display:flex;align-items:center;gap:6px}
nav.main a.nl:hover,nav.main button.nl:hover,nav.main a.nl.on{color:var(--gold)}
.caret{width:9px;height:9px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-2px)}
.dd{position:absolute;top:calc(100% + 10px);left:0;min-width:250px;background:var(--white);border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow-lg);padding:8px;opacity:0;visibility:hidden;transform:translateY(6px);transition:.18s}
nav.main>div:hover .dd,nav.main>div:focus-within .dd{opacity:1;visibility:visible;transform:none}
.dd a{display:block;padding:11px 14px;border-radius:8px;font-weight:500;font-size:.95rem;color:var(--ink-2)}
.dd a:hover{background:var(--gold-soft);color:var(--navy)}
.top-cta{display:flex;align-items:center;gap:14px}
.top-tel{font-family:var(--font-d);font-weight:700;font-size:.95rem;color:var(--navy);white-space:nowrap}
.phone-cta{display:flex;flex-direction:column;align-items:center;line-height:1.15;text-align:center}
.phone-cta .pc-k{font-family:var(--font-b);font-weight:500;font-size:.68rem;letter-spacing:.18em;text-transform:uppercase;color:var(--ink-3)}
.phone-cta .pc-n{font-family:var(--font-d);font-weight:700;font-size:1.22rem;letter-spacing:-.01em;color:var(--navy);white-space:nowrap}
.phone-cta:hover .pc-n{color:var(--gold)}
.phone-cta-lg .pc-k{font-size:.78rem}
.phone-cta-lg .pc-n{font-size:1.7rem}
.phone-cta-w .pc-k{color:rgba(255,255,255,.6)}
.phone-cta-w .pc-n{color:#fff}
.phone-cta-w:hover .pc-n{color:var(--gold-bright)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-family:var(--font-d);font-weight:700;font-size:.97rem;letter-spacing:.01em;padding:14px 26px;border-radius:10px;border:0;cursor:pointer;transition:.18s;white-space:nowrap}
.btn-gold{background:var(--gold);color:#fff}
.btn-gold:hover{background:var(--gold-bright);transform:translateY(-1px)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-soft);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:var(--navy);border:1.5px solid var(--line);}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold)}
.btn-ghost-w{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.35)}
.btn-ghost-w:hover{border-color:var(--gold-bright);color:var(--gold-bright)}
.btn-sm{padding:11px 20px;font-size:.9rem}

/* mobile nav */
.burger{display:none;margin-left:auto;background:none;border:0;cursor:pointer;padding:8px}
.burger span{display:block;width:24px;height:2.5px;background:var(--navy);margin:5px 0;border-radius:2px;transition:.2s}
.mnav{display:none;background:var(--white);border-bottom:1px solid var(--line);padding:10px 28px 26px;max-height:calc(100dvh - 76px);overflow-y:auto;-webkit-overflow-scrolling:touch;overscroll-behavior:contain}
.mnav.open{display:block}
body.nav-open{overflow:hidden}
.mnav a{display:block;padding:12px 4px;font-family:var(--font-d);font-weight:600;color:var(--ink);border-bottom:1px solid var(--canvas)}
.mnav .sub{padding-left:18px;font-weight:500;color:var(--ink-2);font-size:.95rem}
.mnav .btn{margin-top:16px;width:100%}
.mtel{display:none}
@media(max-width:1080px){
  nav.main,.top-cta{display:none}
  .burger{display:block;margin-left:8px;padding:8px 4px}
  .top-in{gap:12px;padding:0 16px}
  .mtel{font-size:.95rem}
}
html,body{overflow-x:hidden}

/* ---------- hero ---------- */
.hero{background:linear-gradient(160deg,var(--navy-deep) 0%,var(--navy) 55%,#22366F 100%);color:#fff;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-90px;top:-40px;width:520px;height:520px;background:url("img/bird-motif.png") no-repeat center/contain;pointer-events:none}

.hero .wrap{position:relative;z-index:2}
.hero h1{color:#fff}
.hero .lede{color:rgba(255,255,255,.82)}
.hero-pad{padding-top:104px;padding-bottom:96px}
.hero-pad-sm{padding-top:84px;padding-bottom:72px}
.hero .eyebrow{color:var(--gold-bright)}
.hero .eyebrow::before{background:var(--gold-bright)}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:64px;align-items:center}
.hero-ctas{display:flex;gap:14px;margin-top:34px;flex-wrap:wrap}
.hero-note{margin-top:22px;font-size:.9rem;color:rgba(255,255,255,.6)}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr;gap:44px}}

/* stat strip */
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:2px;background:var(--line-dark);border:1px solid var(--line-dark);border-radius:var(--radius);overflow:hidden}
.stat{background:rgba(255,255,255,.05);padding:28px 26px}
.stat .n{font-family:var(--font-d);font-weight:800;font-size:2.15rem;letter-spacing:-.03em;color:var(--gold-bright)}
.stat .l{font-size:.86rem;color:rgba(255,255,255,.7);margin-top:4px}
.stats-light{background:var(--line);border-color:var(--line)}
.stats-light .stat{background:var(--white)}
.stats-light .stat .n{color:var(--navy)}
.stats-light .stat .l{color:var(--ink-3)}
@media(max-width:700px){.stats{grid-template-columns:1fr}}

/* ---------- sections ---------- */
.sec{padding:96px 0}
.sec-tight{padding:72px 0}
.sec-dark{background:var(--navy);color:#fff}
.sec-dark h2,.sec-dark h3{color:#fff}
.sec-dark .lede,.sec-dark p{color:rgba(255,255,255,.78)}
.sec-dark .eyebrow{color:var(--gold-bright)}
.sec-dark .eyebrow::before{background:var(--gold-bright)}
.sec-white{background:var(--white)}
.sec-head{max-width:760px;margin-bottom:56px}
.sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
.sec-head.center .eyebrow{justify-content:center}
.sec-head .lede{margin-top:18px}

/* cards */
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:26px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
@media(max-width:980px){.grid-3,.grid-4{grid-template-columns:1fr 1fr}}
@media(max-width:660px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:34px 30px;transition:.2s}
.card:hover{box-shadow:var(--shadow);transform:translateY(-3px)}
.card h3{margin-bottom:12px}
.card p{color:var(--ink-2);font-size:.97rem}
.card .more{display:inline-flex;align-items:center;gap:8px;margin-top:18px;font-family:var(--font-d);font-weight:700;font-size:.92rem;color:var(--gold)}
.card .more::after{content:"→";transition:.15s}
.card .more:hover::after{transform:translateX(4px)}
.card-num{font-family:var(--font-d);font-weight:800;font-size:.95rem;color:var(--gold);letter-spacing:.06em;margin-bottom:14px}
.card-dark{background:rgba(255,255,255,.055);border:1px solid var(--line-dark)}
.card-dark:hover{box-shadow:none;background:rgba(255,255,255,.09)}
.card-dark h3{color:#fff}
.card-dark p{color:rgba(255,255,255,.75)}

/* photo cards */
.pcard{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;transition:.2s}
.pcard:hover{box-shadow:var(--shadow-lg);transform:translateY(-3px)}
.pcard img{width:100%;height:220px;object-fit:cover}
.pcard .pc-b{padding:26px 26px 30px}
.pcard h3{margin-bottom:10px}
.pcard p{font-size:.97rem;color:var(--ink-2)}

/* split */
.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:72px;align-items:center}
.split img{border-radius:var(--radius);box-shadow:var(--shadow-lg);width:100%}
@media(max-width:900px){.split{grid-template-columns:1fr;gap:40px}}
.ticks{list-style:none;margin:26px 0 0}
.ticks li{padding:11px 0 11px 38px;position:relative;color:var(--ink-2);border-bottom:1px solid var(--line)}
.ticks li:last-child{border-bottom:0}
.ticks li::before{content:"";position:absolute;left:0;top:16px;width:20px;height:20px;border-radius:50%;background:var(--gold-soft)}
.ticks li::after{content:"";position:absolute;left:6px;top:21px;width:8px;height:5px;border-left:2px solid var(--gold);border-bottom:2px solid var(--gold);transform:rotate(-45deg)}
.sec-dark .ticks li{color:rgba(255,255,255,.8);border-color:var(--line-dark)}

/* process */
.proc{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:var(--line)}
.proc.p4{grid-template-columns:repeat(4,1fr)}
.proc>div{background:var(--white);padding:38px 32px}
.proc .pbar{width:38px;height:3px;background:var(--gold);border-radius:2px;margin-bottom:20px}
@media(max-width:900px){.proc,.proc.p4{grid-template-columns:1fr}}

/* CTA band */
.band{background:linear-gradient(150deg,var(--navy-deep),var(--navy) 70%);border-radius:20px;color:#fff;padding:70px 64px;display:grid;grid-template-columns:1.4fr .6fr;gap:44px;align-items:center;position:relative;overflow:hidden}
.band::after{content:"";position:absolute;right:-60px;bottom:-90px;width:360px;height:360px;background:url("img/bird-motif.png") no-repeat center/contain;transform:scaleX(-1)}
.band h2{color:#fff}
.band p{color:rgba(255,255,255,.78);margin-top:14px}
.band .actions{display:flex;flex-direction:column;gap:12px;position:relative;z-index:2}
@media(max-width:860px){.band{grid-template-columns:1fr;padding:52px 34px}}

/* ---------- forms ---------- */
.form-card{background:var(--white);border:1px solid var(--line);border-radius:18px;padding:44px;box-shadow:var(--shadow)}
.f-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.f-grid .full{grid-column:1/-1}
@media(max-width:640px){.f-grid{grid-template-columns:1fr}}
label{display:block;font-family:var(--font-d);font-weight:600;font-size:.86rem;color:var(--ink);margin-bottom:7px}
input,select,textarea{width:100%;padding:13px 15px;border:1.5px solid var(--line);border-radius:9px;font-family:var(--font-b);font-size:.98rem;color:var(--ink);background:var(--canvas);transition:.15s}
input:focus,select:focus,textarea:focus{outline:0;border-color:var(--gold);background:#fff;box-shadow:0 0 0 3px var(--gold-soft)}
textarea{min-height:120px;resize:vertical}
.f-note{font-size:.83rem;color:var(--ink-3);margin-top:16px}
.trust{margin-top:26px;padding-top:22px;border-top:1px solid var(--line);font-size:.9rem;color:var(--ink-3);line-height:2}

/* ---------- team ---------- */
.tgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
@media(max-width:1000px){.tgrid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.tgrid{grid-template-columns:1fr}}
.tcard{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;transition:.2s;text-align:left}
.tcard:hover{box-shadow:var(--shadow-lg);transform:translateY(-3px)}
.tcard img{width:100%;aspect-ratio:1/1.06;object-fit:cover;object-position:top center;background:var(--canvas)}
.tcard .tc-b{padding:20px 22px 24px}
.tcard h3{font-size:1.12rem}
.tcard .role{font-size:.88rem;color:var(--gold);font-family:var(--font-d);font-weight:600;margin-top:3px}
.tcard .more{display:inline-block;margin-top:12px;font-family:var(--font-d);font-weight:700;font-size:.87rem;color:var(--navy)}

/* profile page */
.profile{display:grid;grid-template-columns:380px 1fr;gap:64px;align-items:start}
.profile .photo{position:sticky;top:110px}
.profile .photo img{border-radius:18px;box-shadow:var(--shadow-lg);width:100%}
.pmeta{margin-top:22px;background:var(--white);border:1px solid var(--line);border-radius:14px;padding:24px 26px;font-size:.93rem}
.pmeta div{padding:9px 0;border-bottom:1px solid var(--canvas);color:var(--ink-2)}
.pmeta div:last-child{border-bottom:0}
.pmeta b{font-family:var(--font-d);color:var(--navy);display:block;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;margin-bottom:2px}
@media(max-width:900px){.profile{grid-template-columns:1fr}.profile .photo{position:static;max-width:380px}}

/* ---------- blog ---------- */
.bgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
@media(max-width:980px){.bgrid{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.bgrid{grid-template-columns:1fr}}
.bcard{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;transition:.2s}
.bcard:hover{box-shadow:var(--shadow-lg);transform:translateY(-3px)}
.bcard img{width:100%;height:210px;object-fit:cover}
.bcard .bc-b{padding:26px;display:flex;flex-direction:column;flex:1}
.bcard .tag{font-family:var(--font-d);font-weight:700;font-size:.74rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-bottom:10px}
.bcard h3{font-size:1.18rem;line-height:1.28;margin-bottom:12px}
.bcard p{font-size:.97rem;color:var(--ink-2);flex:1}
.bcard .by{margin-top:18px;font-size:.85rem;color:var(--ink-3)}
.post-hero img{width:100%;max-height:440px;object-fit:cover;border-radius:18px;box-shadow:var(--shadow-lg)}
.post-meta{display:flex;gap:18px;align-items:center;font-size:.9rem;color:var(--ink-3);margin:26px 0 8px;flex-wrap:wrap}
.post-meta .tag{font-family:var(--font-d);font-weight:700;font-size:.74rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold)}
.authorbox{display:flex;gap:22px;align-items:center;background:var(--white);border:1px solid var(--line);border-radius:16px;padding:26px 30px;margin-top:54px}
.authorbox img{width:84px;height:84px;border-radius:50%;object-fit:cover;object-position:top}
.authorbox .an{font-family:var(--font-d);font-weight:800;color:var(--navy);font-size:1.08rem}
.authorbox .ar{color:var(--gold);font-size:.88rem;font-family:var(--font-d);font-weight:600}
.authorbox p{font-size:.92rem;color:var(--ink-2);margin-top:6px}
/* in-article lead magnet */
.magnet{background:linear-gradient(140deg,var(--navy-deep),var(--navy));border-radius:16px;color:#fff;padding:38px 40px;margin:2.4em 0;display:grid;grid-template-columns:1fr auto;gap:26px;align-items:center}
.magnet h3{color:#fff;font-size:1.3rem}
.magnet p{color:rgba(255,255,255,.75);font-size:.95rem;margin-top:8px}
.magnet .k{font-family:var(--font-d);font-weight:700;font-size:.72rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-bright);margin-bottom:8px}
@media(max-width:700px){.magnet{grid-template-columns:1fr}}

/* ---------- calculators ---------- */
.calc{background:var(--white);border:1px solid var(--line);border-radius:18px;padding:40px;box-shadow:var(--shadow)}
.calc h3{margin-bottom:6px}
.calc .sub{font-size:.93rem;color:var(--ink-3);margin-bottom:26px}
.out{background:var(--navy);border-radius:14px;color:#fff;padding:28px 30px;margin-top:26px}
.out .row{display:flex;justify-content:space-between;gap:20px;padding:9px 0;border-bottom:1px solid var(--line-dark);font-size:.95rem;color:rgba(255,255,255,.78)}
.out .row:last-child{border-bottom:0}
.out .row b{color:#fff;font-family:var(--font-d);white-space:nowrap}
.out .big{font-family:var(--font-d);font-weight:800;font-size:2rem;letter-spacing:-.02em;color:var(--gold-bright)}
.calc-note{font-size:.82rem;color:var(--ink-3);margin-top:18px;line-height:1.6}

/* ---------- faq ---------- */
.faq{border:1px solid var(--line);border-radius:var(--radius);background:var(--white);overflow:hidden}
.faq details{border-bottom:1px solid var(--line)}
.faq details:last-child{border-bottom:0}
.faq summary{cursor:pointer;list-style:none;padding:24px 30px;font-family:var(--font-d);font-weight:700;font-size:1.06rem;color:var(--navy);display:flex;justify-content:space-between;align-items:center;gap:20px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.5rem;color:var(--gold);font-weight:400;transition:.2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .fa{padding:0 30px 26px;color:var(--ink-2)}

/* ---------- footer ---------- */
footer{background:var(--navy-deep);color:rgba(255,255,255,.72);margin-top:0}
.foot-main{max-width:var(--wrap);margin:0 auto;padding:72px 28px 40px;display:grid;grid-template-columns:1.3fr 1fr 1fr 1.2fr;gap:44px}
@media(max-width:960px){.foot-main{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.foot-main{grid-template-columns:1fr}}
.foot-main .flogo{width:150px;height:auto;margin-bottom:22px}
.foot-main h4{font-family:var(--font-d);color:#fff;font-size:.85rem;letter-spacing:.16em;text-transform:uppercase;margin-bottom:18px}
.foot-main a{display:block;color:rgba(255,255,255,.72);padding:5px 0;font-size:.95rem}
.foot-main a:hover{color:var(--gold-bright)}
.foot-main .fc a{display:flex;gap:10px;align-items:baseline}
.foot-tag{font-size:.95rem;line-height:1.7;color:rgba(255,255,255,.6);max-width:300px}
.legal{border-top:1px solid var(--line-dark)}
.legal-in{max-width:var(--wrap);margin:0 auto;padding:36px 28px 46px;font-size:.8rem;line-height:1.75;color:rgba(255,255,255,.55)}
.legal-in p{margin-bottom:1em}
.legal-in a{color:rgba(255,255,255,.8);text-decoration:underline}
.legal-in a:hover{color:var(--gold-bright)}

/* reveal on scroll */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}

/* utility */
.mt-1{margin-top:14px}.mt-2{margin-top:26px}.mt-3{margin-top:44px}.mt-4{margin-top:64px}
.center{text-align:center}
.pill{display:inline-block;background:var(--gold-soft);color:var(--gold);font-family:var(--font-d);font-weight:700;font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;padding:7px 14px;border-radius:100px}
:focus-visible{outline:2.5px solid var(--gold);outline-offset:2px}
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:12px 18px;z-index:999}
.skip:focus{left:12px;top:12px}

/* ---------- centered hero (live-site layout) ---------- */
.hero-c{text-align:center}
.hero-c .eyebrow{justify-content:center}
.hero-c h1{max-width:1060px;margin:0 auto;font-size:clamp(2.4rem,5vw,3.95rem)}
.hero-c .l1{white-space:nowrap}
@media(max-width:820px){.hero-c .l1{white-space:normal}}
.hero-c .lede{max-width:820px;margin-left:auto;margin-right:auto}
.hero-c .hero-ctas{justify-content:center}
.stats-row{display:grid;grid-template-columns:repeat(3,1fr);max-width:900px;margin:64px auto 0;background:none;border:0;gap:0;border-radius:0;overflow:visible}
.stats-row .stat{background:none;text-align:center;padding:8px 30px;border-left:1px solid rgba(201,164,92,.35)}
.stats-row .stat:first-child{border-left:0}
.stats-row .stat .n{font-size:2.7rem;letter-spacing:-.03em}
.stats-row .stat .l{font-family:var(--font-d);font-weight:600;font-size:.74rem;letter-spacing:.18em;text-transform:uppercase;color:rgba(255,255,255,.6);margin-top:8px}
@media(max-width:700px){.stats-row{grid-template-columns:1fr;max-width:340px}.stats-row .stat{border-left:0;border-top:1px solid rgba(201,164,92,.35);padding:20px 10px}.stats-row .stat:first-child{border-top:0}}
/* trust logo band — white strip under hero, single row, static */
.logoband{background:var(--white);border-bottom:1px solid var(--line);padding:30px 0 26px}
.logoband .k{font-family:var(--font-d);font-weight:600;font-size:.7rem;letter-spacing:.26em;text-transform:uppercase;color:var(--ink-3);text-align:center;margin-bottom:20px}
.logoband .lg{display:flex;justify-content:center;align-items:center;gap:56px;flex-wrap:nowrap}
.logoband img{height:26px;width:auto;filter:grayscale(1);opacity:.66;transition:.2s}
.logoband img:hover{filter:none;opacity:1}
@media(max-width:960px){.logoband .lg{gap:30px}.logoband img{height:20px}}
@media(max-width:640px){.logoband .lg{flex-wrap:wrap;gap:18px 26px}}
/* persona landing pages */
.pain{border-left:3px solid var(--gold);background:var(--white);border-radius:0 12px 12px 0;padding:22px 26px;margin-bottom:16px}
.pain b{font-family:var(--font-d);color:var(--navy)}
.pain p{color:var(--ink-2);font-size:.97rem;margin-top:4px}

/* mobile sticky call bar */
.mbar{display:none}
@media(max-width:1080px){
  .mbar{display:grid;grid-template-columns:1.2fr 1fr;position:fixed;bottom:0;left:0;right:0;z-index:300;box-shadow:0 -6px 24px rgba(14,24,52,.25)}
  .mbar a{padding:16px 10px;text-align:center;font-family:var(--font-d);font-weight:600;font-size:.98rem}
  .mbar-call{background:var(--gold);color:#fff}
  .mbar-portal{background:var(--navy);color:#fff}
  body{padding-bottom:54px}
}
/* related posts */
.rel{margin-top:54px}
.rel h3{margin-bottom:18px}
.rel .bgrid{grid-template-columns:1fr 1fr}
@media(max-width:640px){.rel .bgrid{grid-template-columns:1fr}}
/* author articles */
.aart{margin-top:36px;border-top:1px solid var(--line);padding-top:30px}
.aart h3{margin-bottom:16px}
.aart a{display:block;padding:14px 0;border-bottom:1px solid var(--canvas);font-family:var(--font-d);font-weight:600;color:var(--navy)}
.aart a:hover{color:var(--gold)}
.aart .d{display:block;font-family:var(--font-b);font-weight:400;font-size:.85rem;color:var(--ink-3);margin-top:3px}

/* ---------- Unvarnished series ---------- */
.series{font-family:var(--font-d);font-weight:700;font-size:.74rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold)}
.prose .lede{font-size:1.25rem;line-height:1.6;color:var(--navy);font-family:var(--font-s);font-weight:500;margin-bottom:1.2em}
.stat4{display:grid;grid-template-columns:repeat(4,1fr);gap:2px;background:var(--line);border:1px solid var(--line);border-radius:14px;overflow:hidden;margin:1.6em 0 2em}
.stat4 div{background:#fff;padding:20px 18px}
.stat4 b{display:block;font-family:var(--font-d);font-weight:800;font-size:1.55rem;color:var(--navy);letter-spacing:-.02em}
.stat4 span{font-size:.8rem;color:var(--ink-3);line-height:1.4;display:block;margin-top:4px}
@media(max-width:800px){.stat4{grid-template-columns:1fr 1fr}}
.prose ol.qs{margin-left:1.4em}
.prose ol.qs li{font-weight:500;color:var(--ink);margin-bottom:.65em;padding-left:.3em}
.sources{font-size:.85rem;color:var(--ink-3);border-top:1px solid var(--line);padding-top:16px;margin-top:2.2em;line-height:1.6}
.opinion{font-size:.85rem;color:var(--ink-3);background:var(--canvas);border-left:3px solid var(--gold);padding:12px 16px;margin-top:1.2em;line-height:1.6}
.magnet .mf{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
.magnet .mf input{flex:1;min-width:150px;background:#fff;border-color:transparent}
.magnet .mf .btn{flex:none}
.magnet.one{grid-template-columns:1fr}
/* featured series (home + blog) */
.unv-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
@media(max-width:900px){.unv-grid{grid-template-columns:1fr}}
.unv{background:rgba(255,255,255,.05);border:1px solid var(--line-dark);border-radius:var(--radius);padding:30px 28px;display:flex;flex-direction:column;transition:.2s}
.unv:hover{background:rgba(255,255,255,.09);transform:translateY(-3px)}
.unv .series{color:var(--gold-bright);margin-bottom:12px}
.unv h3{color:#fff;font-family:var(--font-s);font-size:1.45rem;line-height:1.25;font-weight:600;margin-bottom:12px}
.unv p{color:rgba(255,255,255,.75);font-size:.97rem;flex:1}
.unv .more{margin-top:18px;font-family:var(--font-d);font-weight:700;font-size:.9rem;color:var(--gold-bright)}
.unv-solid .unv{background:linear-gradient(150deg,var(--navy-deep),var(--navy));border:1px solid var(--navy);box-shadow:var(--shadow)}
.unv-solid .unv:hover{box-shadow:var(--shadow-lg);transform:translateY(-3px)}
/* checklist page */
.chk{counter-reset:q}
.chk .q{display:grid;grid-template-columns:54px 1fr;gap:18px;padding:20px 0;border-bottom:1px solid var(--line)}
.chk .q::before{counter-increment:q;content:counter(q,decimal-leading-zero);font-family:var(--font-s);font-size:2rem;color:var(--gold);line-height:1}
.chk .q b{display:block;font-family:var(--font-d);font-weight:700;color:var(--navy);font-size:1.02rem;line-height:1.4}
.chk .q span{display:block;color:var(--ink-2);font-size:.92rem;margin-top:6px}
@media print{.top,.mbar,footer .foot-main,.band,.hero::before,.hero::after{display:none!important}.hero{background:#fff;color:var(--navy)}.hero h1,.hero .lede{color:var(--navy)}body{background:#fff}}

/* ---------- journey timeline (Our Approach) ---------- */
.journey{position:relative;display:grid;grid-template-columns:repeat(4,1fr);gap:36px;margin-top:10px}
.journey.j3{grid-template-columns:repeat(3,1fr)}
.journey .jline{position:absolute;top:27px;left:7%;right:7%;height:2px;background:linear-gradient(90deg,rgba(201,164,92,0),rgba(201,164,92,.55) 12%,rgba(201,164,92,.55) 88%,rgba(201,164,92,0))}
.jstep{position:relative}
.jnode{width:54px;height:54px;border-radius:50%;background:var(--navy-deep);border:2px solid var(--gold-bright);color:var(--gold-bright);font-family:var(--font-d);font-weight:800;font-size:1rem;display:flex;align-items:center;justify-content:center;margin-bottom:22px;position:relative;z-index:2;box-shadow:0 0 0 8px var(--navy)}
.jstep h3{color:#fff;margin-bottom:10px}
.jstep p{color:rgba(255,255,255,.75);font-size:.96rem}
@media(max-width:900px){
  .journey{grid-template-columns:1fr;gap:30px}
  .journey .jline{left:26px;right:auto;top:8%;bottom:8%;width:2px;height:auto;background:linear-gradient(180deg,rgba(201,164,92,0),rgba(201,164,92,.55) 12%,rgba(201,164,92,.55) 88%,rgba(201,164,92,0))}
  .jstep{padding-left:78px}
  .jnode{position:absolute;left:0;top:0;margin:0}
}
/* ---------- before/after planning card (tax page) ---------- */
.plan2{display:grid;grid-template-columns:1fr 1fr;gap:2px;background:var(--line);border:1px solid var(--line);border-radius:16px;overflow:hidden;box-shadow:var(--shadow)}
@media(max-width:760px){.plan2{grid-template-columns:1fr}}
.plan2>div{background:var(--white);padding:34px 32px}
.plan2 .ph{font-family:var(--font-d);font-weight:700;font-size:.78rem;letter-spacing:.18em;text-transform:uppercase;margin-bottom:18px;display:flex;align-items:center;gap:10px}
.plan2 .before .ph{color:var(--gold)}
.plan2 .after{background:var(--canvas)}
.plan2 .after .ph{color:#A05252}
.plan2 ul{list-style:none;margin:0}
.plan2 li{padding:10px 0 10px 32px;position:relative;color:var(--ink-2);font-size:.95rem;border-bottom:1px solid var(--canvas);line-height:1.5}
.plan2 .after li{border-color:var(--line)}
.plan2 li:last-child{border-bottom:0}
.plan2 .before li::before{content:"\2713";position:absolute;left:2px;top:9px;color:var(--gold);font-weight:700}
.plan2 .after li::before{content:"\2715";position:absolute;left:3px;top:9px;color:#A05252;font-weight:700;font-size:.85rem}
/* ---------- reasons grid (PWA) ---------- */
.reasons{display:grid;grid-template-columns:1fr 1fr;gap:2px;background:var(--line-dark);border:1px solid var(--line-dark);border-radius:16px;overflow:hidden}
@media(max-width:760px){.reasons{grid-template-columns:1fr}}
.reason{background:rgba(255,255,255,.05);padding:46px 42px 42px;position:relative;overflow:hidden;transition:.2s}
.reason:hover{background:rgba(255,255,255,.09)}
.reason .gn{position:absolute;right:14px;top:-12px;font-family:var(--font-s);font-size:7rem;font-weight:600;color:rgba(201,164,92,.13);line-height:1;pointer-events:none}
.reason h3{color:#fff;margin-bottom:12px;position:relative}
.reason p{color:rgba(255,255,255,.75);font-size:.97rem;position:relative}
/* ---------- interactive question checklist (Unvarnished) ---------- */
.qlist{border:1px solid var(--line);border-radius:16px;background:var(--white);box-shadow:var(--shadow);margin:1.8em 0;overflow:hidden}
.qlist .qhead{display:flex;justify-content:space-between;align-items:center;gap:14px;flex-wrap:wrap;padding:18px 26px;background:var(--navy);color:#fff}
.qlist .qhead .t{font-family:var(--font-d);font-weight:700;font-size:.95rem}
.qlist .qcount{font-family:var(--font-d);font-weight:700;font-size:.8rem;letter-spacing:.08em;color:var(--gold-bright)}
.qlist .qi{display:grid;grid-template-columns:46px 1fr 34px;gap:16px;align-items:center;padding:18px 26px;border-bottom:1px solid var(--canvas);cursor:pointer;transition:.15s;background:none;border-left:0;border-right:0;border-top:0;width:100%;text-align:left;font-family:var(--font-b)}
.qlist .qi:last-child{border-bottom:0}
.qlist .qi:hover{background:var(--gold-soft)}
.qlist .qn{font-family:var(--font-s);font-size:1.5rem;color:var(--gold);line-height:1}
.qlist .qtext{font-weight:500;color:var(--ink);font-size:1rem;line-height:1.5}
.qlist .qcheck{width:26px;height:26px;border-radius:50%;border:2px solid var(--line);position:relative;transition:.15s;flex:none}
.qlist .qi.done .qcheck{background:var(--gold);border-color:var(--gold)}
.qlist .qi.done .qcheck::after{content:"";position:absolute;left:7px;top:5px;width:8px;height:12px;border-right:2.5px solid #fff;border-bottom:2.5px solid #fff;transform:rotate(40deg)}
.qlist .qi.done .qtext{color:var(--ink-3);text-decoration:line-through;text-decoration-color:rgba(176,139,69,.5)}
.qlist .qfoot{padding:16px 26px;background:var(--canvas);font-size:.88rem;color:var(--ink-3)}
.qlist .qfoot a{font-weight:600;color:var(--gold)}

/* ---------- guides library ---------- */
.glib{display:grid;grid-template-columns:1fr 1fr;gap:26px}
@media(max-width:860px){.glib{grid-template-columns:1fr}}
.gcard{background:var(--white);border:1px solid var(--line);border-radius:16px;padding:36px 34px;display:flex;flex-direction:column;transition:.2s;position:relative;overflow:hidden}
.gcard:hover{box-shadow:var(--shadow-lg);transform:translateY(-3px)}
.gcard .gtype{font-family:var(--font-d);font-weight:700;font-size:.72rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);margin-bottom:14px;display:flex;align-items:center;gap:10px}
.gcard .gtype::before{content:"";width:26px;height:2px;background:var(--gold)}
.gcard h3{font-family:var(--font-s);font-weight:600;font-size:1.5rem;line-height:1.25;margin-bottom:12px}
.gcard p{color:var(--ink-2);font-size:.97rem;flex:1}
.gcard .gform{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px}
.gcard .gform input{flex:1;min-width:140px}
.gcard .gform .btn{flex:none}
.gcard .gnote{font-size:.8rem;color:var(--ink-3);margin-top:10px}
.gcard .btn-row{margin-top:22px}

/* mobile header phone */
.mtel{display:none}
@media(max-width:1080px){.mtel{display:block;margin-left:auto;font-family:var(--font-d);font-weight:700;font-size:1.02rem;color:var(--navy);white-space:nowrap}
.burger{margin-left:14px}}
/* countup stat row (home hero) */
.bigstats{display:flex;justify-content:center;align-items:stretch;gap:0;margin:64px auto 0;max-width:880px}
.bigstat{flex:1;text-align:center;padding:0 26px;position:relative}
.bigstat + .bigstat::before{content:"";position:absolute;left:0;top:12%;bottom:12%;width:1px;background:linear-gradient(180deg,transparent,rgba(201,164,92,.55),transparent)}
.bigstat .n{font-family:var(--font-d);font-weight:800;font-size:clamp(2.3rem,4.4vw,3.4rem);letter-spacing:-.03em;color:var(--gold-bright);line-height:1;font-variant-numeric:tabular-nums}
.bigstat .l{margin-top:12px;font-family:var(--font-d);font-weight:600;font-size:.78rem;letter-spacing:.18em;text-transform:uppercase;color:rgba(255,255,255,.65)}
@media(max-width:640px){.bigstats{flex-direction:column;gap:30px}.bigstat + .bigstat::before{display:none}}
/* journey 3-col variant */
.journey.j3{grid-template-columns:repeat(3,1fr)}
.journey.j3 .jline{left:12%;right:12%}
@media(max-width:900px){.journey.j3{grid-template-columns:1fr}.journey.j3 .jline{left:26px;right:auto}}
/* video lightbox */
.vcard{cursor:pointer;text-align:left;border:1px solid var(--line);background:var(--white);border-radius:var(--radius);padding:0;overflow:hidden;transition:.2s;display:flex;flex-direction:column;font-family:var(--font-b)}
.vcard:hover{box-shadow:var(--shadow-lg);transform:translateY(-3px)}
.vposter{position:relative;background:linear-gradient(150deg,var(--navy-deep),var(--navy));aspect-ratio:16/9;display:flex;align-items:center;justify-content:center}
.vposter .play{width:64px;height:64px;border-radius:50%;background:var(--gold);display:flex;align-items:center;justify-content:center;transition:.2s;box-shadow:0 10px 30px rgba(0,0,0,.35)}
.vcard:hover .play{transform:scale(1.08);background:var(--gold-bright)}
.vposter .play::after{content:"";border-style:solid;border-width:11px 0 11px 18px;border-color:transparent transparent transparent #fff;margin-left:5px}
.vposter .dur{position:absolute;right:12px;bottom:10px;font-family:var(--font-d);font-weight:700;font-size:.72rem;letter-spacing:.14em;color:rgba(255,255,255,.75);text-transform:uppercase}
.vcard .vc-b{padding:22px 24px 26px}
.vcard h3{margin-bottom:8px}
.vcard p{color:var(--ink-2);font-size:.95rem}
.vmodal{position:fixed;inset:0;background:rgba(10,16,38,.88);z-index:500;display:none;align-items:center;justify-content:center;padding:26px}
.vmodal.open{display:flex}
.vbox{width:min(960px,96vw);background:#000;border-radius:12px;overflow:hidden;position:relative;box-shadow:0 40px 120px rgba(0,0,0,.6)}
.vbox .vwrap{aspect-ratio:16/9;background:#000}
.vbox video,.vbox iframe{width:100%;height:100%;display:block;border:0}
.vclose{position:absolute;top:-46px;right:0;background:none;border:0;color:#fff;font-family:var(--font-d);font-weight:700;font-size:.9rem;letter-spacing:.1em;cursor:pointer;display:flex;align-items:center;gap:8px}
.vclose:hover{color:var(--gold-bright)}
.vshell{position:relative;width:min(960px,96vw)}
/* contact trust chips */
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:20px}
.chip{font-family:var(--font-d);font-weight:600;font-size:.78rem;color:var(--navy);background:var(--gold-soft);border:1px solid rgba(176,139,69,.3);padding:8px 13px;border-radius:100px}
.crow{display:flex;align-items:center;gap:14px;padding:13px 0;border-bottom:1px solid var(--canvas);color:var(--ink-2)}
.crow:last-of-type{border-bottom:0}
.crow b{font-family:var(--font-d);color:var(--navy);font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;min-width:64px}
/* learn pages */
.lgrid{display:grid;grid-template-columns:1fr 1fr;gap:26px;margin-top:10px}
@media(max-width:760px){.lgrid{grid-template-columns:1fr}}
.lcol h3{display:flex;align-items:center;gap:10px;margin-bottom:14px}
.lcol.risk h3::before{content:"";width:10px;height:10px;border-radius:50%;background:#A05252}
.lcol.ben h3::before{content:"";width:10px;height:10px;border-radius:50%;background:var(--gold)}

/* ---------- contact info card + trust chips ---------- */
.cinfo{background:var(--white);border:1px solid var(--line);border-radius:16px;overflow:hidden;box-shadow:var(--shadow)}
.crow{display:grid;grid-template-columns:92px 1fr;gap:18px;padding:20px 26px;border-bottom:1px solid var(--canvas);align-items:center}
.crow:last-child{border-bottom:0}
a.crow:hover{background:var(--gold-soft)}
.crow .ck{font-family:var(--font-d);font-weight:700;font-size:.72rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold)}
.crow .cv{font-family:var(--font-d);font-weight:700;font-size:1.12rem;color:var(--navy);letter-spacing:-.01em;line-height:1.4}
.crow .cv.small{font-weight:500;font-family:var(--font-b);font-size:.98rem;color:var(--ink-2)}
.chips{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:12px;margin-top:16px}
@media(max-width:560px){.chips{grid-template-columns:1fr}}
.chip{background:var(--white);border:1px solid var(--line);border-radius:12px;padding:15px 16px 15px 42px;font-size:.88rem;color:var(--ink-2);position:relative;line-height:1.45}
.chip::before{content:"";position:absolute;left:14px;top:16px;width:16px;height:16px;border-radius:50%;background:var(--gold-soft)}
.chip::after{content:"";position:absolute;left:18.5px;top:20px;width:6px;height:4px;border-left:2px solid var(--gold);border-bottom:2px solid var(--gold);transform:rotate(-45deg)}

.card .crow{display:grid;grid-template-columns:86px 1fr;gap:14px;padding:13px 0;border-bottom:1px solid var(--canvas);align-items:baseline}
.card .crow:last-of-type{border-bottom:0}
.card .crow b{font-family:var(--font-d);font-weight:700;font-size:.7rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold)}
.card .crow a,.card .crow span{color:var(--ink-2)}
.card .chips{margin-top:18px}

/* ---------- investor education series ---------- */
.ies-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
@media(max-width:900px){.ies-grid{grid-template-columns:1fr;max-width:420px;margin:0 auto}}
.ies{background:var(--white);border:1px solid var(--line);border-radius:16px;overflow:hidden;display:flex;flex-direction:column;transition:.2s}
.ies:hover{box-shadow:var(--shadow-lg);transform:translateY(-3px)}
.ies img{width:100%;display:block;border-bottom:1px solid var(--line)}
.ies .b{padding:24px 24px 26px;display:flex;flex-direction:column;flex:1}
.ies .k{font-family:var(--font-d);font-weight:700;font-size:.7rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-bottom:10px}
.ies h3{font-family:var(--font-s);font-weight:600;font-size:1.3rem;line-height:1.25;margin-bottom:8px}
.ies p{color:var(--ink-2);font-size:.92rem;flex:1}
.ies .pg{font-size:.8rem;color:var(--ink-3);margin-top:12px}
.gatecard{background:var(--white);border:1px solid var(--line);border-radius:18px;padding:44px;box-shadow:var(--shadow-lg);border-top:5px solid var(--gold)}
@media(max-width:640px){.gatecard{padding:30px 24px}}
.tycovers{display:flex;gap:18px;justify-content:center;flex-wrap:wrap;margin:26px 0}
.tycovers a{display:block;width:180px;border-radius:10px;overflow:hidden;border:1px solid var(--line);box-shadow:var(--shadow);transition:.2s;background:#fff}
.tycovers a:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg)}
.tycovers img{width:100%;display:block}
.tycovers .o{display:block;text-align:center;font-family:var(--font-d);font-weight:700;font-size:.85rem;color:var(--navy);padding:10px}

/* mobile menu: keep last items tappable (bottom bar overlaid Contact on iOS) */
body.nav-open .mbar{display:none}
.mnav{padding-bottom:calc(30px + env(safe-area-inset-bottom))}

/* service-card article links as buttons */
.card a.more[href*="blog/"]{display:inline-flex;align-items:center;gap:8px;margin-top:18px;font-family:var(--font-d);font-weight:700;font-size:.8rem;letter-spacing:.02em;color:var(--navy);border:1.5px solid var(--navy);border-radius:8px;padding:10px 16px;transition:.18s;background:transparent}
.card a.more[href*="blog/"]::after{content:"\2192";transition:transform .18s}
.card a.more[href*="blog/"]:hover{background:var(--navy);color:#fff}
.card a.more[href*="blog/"]:hover::after{transform:translateX(3px)}

@media(max-width:760px){.hero::after{width:340px;right:-80px;top:-10px;opacity:.8}}

.vsec-frame{position:relative;width:100%;aspect-ratio:16/9;border-radius:14px;overflow:hidden;box-shadow:var(--shadow-lg);border:1px solid var(--line)}
.vsec-frame iframe{position:absolute;inset:0;width:100%;height:100%;border:0}

.vbig{width:100%;padding:0;border:0;background:none;cursor:pointer;display:block}
.vbig .vposter{aspect-ratio:16/9;border-radius:14px;box-shadow:var(--shadow-lg);border:1px solid rgba(22,35,78,.15)}
.vbig:hover .play{transform:scale(1.08)}

.toolnav{display:flex;gap:10px;flex-wrap:wrap;justify-content:center}
.toolnav a{background:#fff;border:1.5px solid var(--line);border-radius:100px;padding:11px 18px;font-family:var(--font-d);font-weight:700;font-size:.86rem;color:var(--navy);transition:.15s}
.toolnav a:hover{border-color:var(--gold);color:var(--gold)}

.toolpick{display:grid;grid-template-columns:repeat(5,1fr);gap:16px}
@media(max-width:1080px){.toolpick{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.toolpick{grid-template-columns:1fr}}
.tp{display:flex;flex-direction:column;background:var(--canvas);border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:14px;padding:22px 20px;transition:.2s}
.tp:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);background:#fff}
.tp h3{font-family:var(--font-s);font-weight:600;font-size:1.08rem;color:var(--navy);line-height:1.3;margin-bottom:8px}
.tp p{font-size:.85rem;color:var(--ink-2);line-height:1.55;flex:1}
.tp span{margin-top:14px;font-family:var(--font-d);font-weight:700;font-size:.8rem;color:var(--gold)}
.tp:hover span{color:var(--navy)}

/* testimonials */
.tstack{columns:3 320px;column-gap:22px}
.tq{break-inside:avoid;background:var(--white);border:1px solid var(--line);border-radius:16px;padding:26px;margin:0 0 22px;position:relative}
.tq::before{content:"\201C";position:absolute;top:8px;right:18px;font-family:var(--font-s);font-size:64px;color:var(--gold);opacity:.25;line-height:1}
.tq blockquote{font-size:.95rem;line-height:1.65;color:var(--ink-2)}
.tq figcaption{margin-top:14px;padding-top:12px;border-top:1px solid var(--line)}
.tq figcaption b{font-family:var(--font-d);font-weight:700;color:var(--navy);font-size:.9rem;display:block}
.tq figcaption span{font-size:.8rem;color:var(--ink-3)}
.ttag{display:inline-block;background:var(--cream);color:var(--gold);border:1px solid rgba(176,139,69,.3);font-family:var(--font-d);font-weight:700;font-size:.66rem;letter-spacing:.12em;text-transform:uppercase;border-radius:100px;padding:4px 10px;margin-bottom:10px}
.tq-disc{background:var(--canvas);border:1px solid var(--line);border-radius:12px;padding:22px 24px;font-size:.85rem;line-height:1.65;color:var(--ink-2)}
.tq3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
@media(max-width:900px){.tq3{grid-template-columns:1fr}}

/* approved homepage v2 */
.card a.gobtn{display:inline-flex;align-items:center;gap:8px;margin-top:18px;font-family:var(--font-d);font-weight:700;font-size:.8rem;letter-spacing:.02em;color:var(--navy);border:1.5px solid var(--navy);border-radius:8px;padding:10px 16px;transition:.18s;background:transparent}
.card a.gobtn::after{content:"\2192";transition:transform .18s}
.card a.gobtn:hover{background:var(--navy);color:#fff}
.card a.gobtn:hover::after{transform:translateX(3px)}
.pcard .duo{display:block;position:relative;overflow:hidden}
.pcard .duo img{filter:grayscale(30%) contrast(1.02)}
.pcard .duo::after{content:"";position:absolute;inset:0;background:linear-gradient(150deg,rgba(14,24,52,.45),rgba(22,35,78,.12) 55%,rgba(201,164,92,.18))}
.diffband{position:relative;color:#fff;background:linear-gradient(135deg,#0E1834,#16234E 60%,#1B2A5E);overflow:hidden}
.diffband::after{content:"";position:absolute;right:-70px;top:-30px;width:460px;height:460px;background:url("img/bird-motif.png") no-repeat center/contain;pointer-events:none}
.diffband .db-in{position:relative;z-index:2;max-width:640px;padding:64px 0}
.diffband h2{color:#fff}
.gold-i{color:var(--gold-bright);font-style:italic}
.teamrow{display:grid;grid-template-columns:repeat(5,1fr);gap:20px}
@media(max-width:1080px){.teamrow{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.teamrow{grid-template-columns:1fr}}
.tmc{display:block;text-align:center}
.tmc img{width:100%;aspect-ratio:1/1.05;object-fit:cover;object-position:top;border-radius:14px;border:1px solid var(--line)}
.tmc b{display:block;font-family:var(--font-d);font-weight:700;color:var(--navy);margin-top:10px;font-size:.95rem}
.tmc span{font-size:.8rem;color:var(--ink-3)}
.tmc:hover img{box-shadow:var(--shadow-lg)}
.tmc-all{background:var(--navy);border-radius:14px;display:flex;flex-direction:column;align-items:center;justify-content:center;color:#fff;padding:18px}
.tmc-all em{font-style:normal;font-size:2.6rem;color:var(--gold-bright);font-weight:700}
.tmc-all b{color:#fff}
.tmc-all span{color:rgba(255,255,255,.75)}
.tmc-all:hover{box-shadow:var(--shadow-lg)}
.vposter-img img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:top;opacity:.9}
/* journey light restyle */
.jline{background:linear-gradient(90deg,rgba(176,139,69,0),rgba(176,139,69,.5) 12%,rgba(176,139,69,.5) 88%,rgba(176,139,69,0))!important}
.jnode{background:#fff!important;border-color:var(--gold)!important;color:var(--gold)!important;box-shadow:0 0 0 8px var(--canvas)!important}

.journey .jstep h3,.journey h3{color:var(--navy)}
.journey .jstep p,.journey p{color:var(--ink-2)}

/* approved hero (homepage) */
.hero-home .wrap{position:relative}
.hero-home::after{display:none}
.hero-badge{position:absolute;right:-40px;top:-30px;width:430px;opacity:.07;transform:rotate(-6deg);pointer-events:none}
.hero-left{position:relative;z-index:2;text-align:left}
.hero-home h1{text-align:left}
.hero-home .lede{margin-left:0}
.hero-stats{display:flex;gap:52px;margin-top:44px;padding-top:26px;border-top:1px solid rgba(255,255,255,.14);flex-wrap:wrap}
.hero-stats b{display:block;font-family:var(--font-d);font-weight:800;font-size:1.7rem;color:var(--gold-bright)}
.hero-stats span{font-family:var(--font-d);font-weight:700;font-size:.66rem;letter-spacing:.15em;text-transform:uppercase;color:rgba(255,255,255,.55)}
@media(max-width:760px){.hero-badge{width:260px;right:-60px;top:-20px}.hero-stats{gap:28px}}
/* strategies buttons full-width per mockup */
.card a.gobtn{display:flex;justify-content:center;width:100%}
/* diff band motif as element for exact parity */
.diffband::after{display:none}
.db-motif{position:absolute;right:-70px;top:-30px;width:460px;opacity:.95;pointer-events:none}
@media(max-width:760px){.db-motif{width:300px;right:-90px}}

.svc4{grid-template-columns:repeat(4,1fr)!important;gap:18px!important}
@media(max-width:1080px){.svc4{grid-template-columns:repeat(2,1fr)!important}}
@media(max-width:640px){.svc4{grid-template-columns:1fr!important}}
.diffband .lede,.diffband p{color:rgba(255,255,255,.85)}

.svc4 .card{display:flex;flex-direction:column}
.svc4 .card .gobtn{margin-top:auto}
.svc4 .card p{margin-bottom:18px}

.svc4 .gobtn{min-height:56px;text-align:center;line-height:1.3}

.crs-line{margin-top:6px}
.crs-line a{color:rgba(255,255,255,.75);text-decoration:underline;text-underline-offset:3px;font-size:.85rem}
.crs-line a:hover{color:var(--gold-bright)}

/* mobile hero polish */
@media(max-width:760px){
 .hero-home .hero-pad{padding-top:42px;padding-bottom:40px}
 .hero-home h1{font-size:2.05rem}
 .hero-home .lede{font-size:1.02rem}
 .hero-badge{width:230px;right:-70px;top:-26px}
 .hero-ctas{flex-direction:column;align-items:stretch;gap:10px}
 .hero-ctas .btn{text-align:center}
 .hero-stats{gap:22px 30px;margin-top:30px;padding-top:20px}
 .hero-stats b{font-size:1.35rem}
}
/* sticky bar appears after the hero, never over it */
@media(max-width:1080px){
 .mbar{transform:translateY(110%);transition:transform .28s ease}
 body.scrolled .mbar{transform:none}
 body.nav-open .mbar{display:none}
}