/* ==========================================================================
   Retire The Risks — Scott Jason Thiel
   Design system v4.

   Direction: ntxgenadvisors.com, the reference Scott named as "more of what
   I like". What is carried over from it:

     - One type family, set large and light (Montserrat 400 display, sentence
       case, no letter-spacing tricks). The reference has exactly one font.
     - Hard square geometry. Every corner in the reference computes to 0px —
       cards, buttons, inputs, images. Nothing is rounded, nothing floats.
     - A light editorial base: white alternating with a flat #efefef band,
       slate (#405d73) used for slim full-width bands, near-black ink.
     - Flat surfaces. The reference carries no drop shadows; separation comes
       from hairline borders and background bands.
     - One bold solid call-to-action button, plus a secondary solid button.
       Orange in the reference; Scott's brass here.

   Where it deliberately departs from the reference: the palette is Scott's,
   not the reference's — navy and brass instead of orange. And the reference
   leads with a background video, which this build has no asset for, so the
   hero stays a navy band with the advisor photograph.

   Compliance-aware: no imagery implying guarantees, no testimonial styling.
   ========================================================================== */

/* ---------- Tokens ---------- */
:root {
  /* Ink — near-black, the reference's display colour */
  --ink:   #0a0a0a;

  /* Slate — the reference's secondary and its band colour */
  --slate:   #405d73;

  /* Body copy / neutrals */
  --body:  #46586a;
  --muted: #7a8b9b;
  --line:  #e4e7ea;
  --line-2: #d1d8dd;

  /* Surfaces — flat, no gradients on light bands */
  --paper:   #ffffff;
  --paper-2: #efefef;
  --paper-3: #f7f8f9;

  /* Navy — Scott's base, used for dark bands */
  --navy:   #0b2444;
  --navy-2: #07182f;

  /* Brass — Scott's own brand colour, the single accent in this system */
  --brass:   #c9a227;
  --brass-2: #a8891f;
  --brass-3: #f8f2dd;

  /* One family. The reference uses one family. */
  --font: "Montserrat", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;

  --wrap: 1180px;
  --wrap-narrow: 760px;

  --ease: cubic-bezier(.22,.61,.36,1);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  font-size: 16.5px;
  line-height: 1.68;
  color: var(--body);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img { max-width: 100%; display: block; }
a {
  color: var(--slate);
  text-decoration: underline;
  text-decoration-thickness: 1px;
  text-underline-offset: 3px;
  text-decoration-color: var(--line-2);
}
a:hover { color: var(--ink); text-decoration-color: var(--brass); }

h1, h2, h3, h4 {
  font-family: var(--font);
  color: var(--ink);
  font-weight: 400;
  line-height: 1.2;
  letter-spacing: 0;
  text-transform: none;
  margin: 0 0 .5em;
}
h1 { font-size: clamp(2.3rem, 4.6vw, 3.2rem); line-height: 1.16; }
h2 { font-size: clamp(1.7rem, 3vw, 2.5rem); line-height: 1.24; }
h3 { font-size: clamp(1.15rem, 1.5vw, 1.4rem); font-weight: 500; line-height: 1.35; }
h4 { font-size: 1.0625rem; font-weight: 600; line-height: 1.4; }
p { margin: 0 0 1.1em; }
ul, ol { margin: 0 0 1.2em; padding-left: 1.3em; }
li { margin-bottom: .5em; }
strong { color: var(--ink); font-weight: 600; }
hr { border: 0; border-top: 1px solid var(--line); margin: 2.4em 0; }

/* ---------- Layout helpers ---------- */
.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 26px; }
.narrow { max-width: var(--wrap-narrow); }
.center { text-align: center; }
.skip { position: absolute; left: -9999px; }
.skip:focus { left: 14px; top: 14px; z-index: 200; background: #fff; padding: 10px 16px; border: 1px solid var(--brass); }

/* Sections — banded, flat, square */
.section { padding: 86px 0; }
.section.tight { padding: 54px 0; }
.section.alt { background: var(--paper-2); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section.sand { background: var(--paper-3); }

.sectionhead { max-width: 720px; margin: 0 auto 48px; }
.sectionhead.center { text-align: center; }
.sectionhead h2 { margin-bottom: .35em; }
.sectionhead p { font-size: 1.05rem; color: var(--body); margin-bottom: 0; }
.sectionhead .eyebrow { display: block; margin-bottom: 16px; }

/* Generic two-column band */
.twocol { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.twocol > div > :last-child { margin-bottom: 0; }
.twocol.rev > :first-child { order: 2; }

.eyebrow {
  display: inline-block;
  font-family: var(--font);
  font-size: 13px;
  font-weight: 500;
  letter-spacing: .06em;
  text-transform: none;
  color: var(--brass-2);
  margin-bottom: 16px;
}
.on-dark .eyebrow, .pagehead .eyebrow, .hero .eyebrow, .ctaband .eyebrow, .leadbox .eyebrow { color: var(--brass); }

.lede { font-size: 1.1rem; line-height: 1.66; color: var(--body); max-width: 62ch; }
.on-dark .lede, .pagehead .lede, .hero .lede { color: #c4d1dc; }

/* ---------- Utility bar ---------- */
.utilitybar { background: var(--navy); color: #9db2c5; font-size: 12.6px; letter-spacing: .02em; }
.utilitybar .wrap { display: flex; gap: 20px; align-items: center; justify-content: space-between; min-height: 40px; flex-wrap: wrap; }
.utilitybar a { color: #c8d6e3; text-decoration: none; border-bottom: 1px solid transparent; }
.utilitybar a:hover { color: #fff; border-bottom-color: var(--brass); }
.utilitybar .ub-left { display: flex; gap: 20px; flex-wrap: wrap; }
.utilitybar .ub-left span:last-child { color: #7d94a9; }

/* ---------- Header ---------- */
.siteheader {
  position: sticky; top: 0; z-index: 100;
  background: var(--paper);
  border-bottom: 1px solid var(--line);
}
.siteheader .wrap { display: flex; align-items: center; justify-content: space-between; min-height: 88px; gap: 26px; position: relative; }
.brand { display: flex; align-items: center; gap: 13px; text-decoration: none; }
.brandmark {
  width: 44px; height: 44px;
  background: var(--navy);
  display: grid; place-items: center;
  color: var(--brass);
  font-family: var(--font); font-weight: 500; font-size: 19px; letter-spacing: .02em;
  flex: none;
}
.brandtext { display: flex; flex-direction: column; line-height: 1.12; }
.brandname { font-family: var(--font); font-weight: 500; font-size: 21px; color: var(--ink); letter-spacing: .01em; }
.brandsub { font-size: 10.5px; letter-spacing: .14em; color: var(--muted); margin-top: 4px; text-transform: uppercase; }
.brand:hover .brandname { color: var(--brass-2); }

.nav { display: flex; align-items: center; gap: 2px; }
.nav a {
  text-decoration: none; color: var(--ink); font-size: 15.5px; font-weight: 400;
  padding: 13px 15px; white-space: nowrap;
  transition: color .15s var(--ease);
}
.nav a:hover { color: var(--brass-2); }
.nav a[aria-current="page"] { font-weight: 500; box-shadow: inset 0 -2px 0 var(--brass); }
.nav .haspop { position: relative; }
.nav .haspop > a::after {
  content: ""; display: inline-block; width: 5px; height: 5px; margin: 0 0 3px 8px;
  border-right: 1px solid var(--muted); border-bottom: 1px solid var(--muted);
  transform: rotate(45deg); vertical-align: middle;
}
.nav .pop {
  position: absolute; top: 100%; left: 0; min-width: 280px;
  background: #fff; border: 1px solid var(--line); border-top: 2px solid var(--brass);
  padding: 8px; display: none; z-index: 20;
}
.nav .haspop:hover .pop, .nav .haspop:focus-within .pop { display: block; }
.nav .pop a { display: block; padding: 10px 14px; font-size: 15px; }
.nav .pop a:hover { background: var(--paper-2); color: var(--ink); }
.nav .cta-in-nav { margin-left: 14px; }
.navtoggle { display: none; }

/* ---------- Buttons — square, solid, flat ---------- */
.btn {
  display: inline-block; text-decoration: none; font-family: var(--font);
  font-weight: 500; font-size: 15px; letter-spacing: .01em;
  padding: 15px 28px; border: 1px solid transparent; border-radius: 0; cursor: pointer;
  transition: background .15s var(--ease), color .15s var(--ease), border-color .15s var(--ease);
}
.btn-primary { background: var(--brass); color: var(--ink); border-color: var(--brass); }
.btn-primary:hover { background: var(--brass-2); border-color: var(--brass-2); color: var(--ink); }
.btn-navy { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn-navy:hover { background: var(--navy-2); border-color: var(--navy-2); color: #fff; }
.btn-gold { background: var(--brass); color: var(--ink); border-color: var(--brass); }
.btn-gold:hover { background: var(--brass-2); border-color: var(--brass-2); color: var(--ink); }
.btn-ghost { background: transparent; color: var(--ink); border-color: var(--ink); }
.btn-ghost:hover { background: var(--ink); border-color: var(--ink); color: #fff; }
.hero .btn-ghost, .pagehead .btn-ghost, .ctaband .btn-ghost, .leadbox .btn-ghost {
  background: transparent; color: #fff; border-color: rgba(255,255,255,.5);
}
.hero .btn-ghost:hover, .pagehead .btn-ghost:hover, .ctaband .btn-ghost:hover, .leadbox .btn-ghost:hover {
  background: #fff; border-color: #fff; color: var(--ink);
}
.btn-lg { padding: 17px 34px; font-size: 16px; }
.btnrow { display: flex; gap: 14px; flex-wrap: wrap; align-items: center; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%);
  color: #dfe7ee;
  padding: 96px 0 92px;
  overflow: hidden;
}
.hero::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(900px 520px at 84% -12%, rgba(201,162,39,.10), transparent 62%);
}
.hero .wrap { position: relative; z-index: 1; }
.hero h1 {
  color: #fff; max-width: 19ch;
  font-size: clamp(2.25rem, 4.7vw, 3.2rem);
  font-weight: 400; line-height: 1.14; letter-spacing: 0;
}
.hero .lede { font-size: 1.14rem; max-width: 52ch; color: #c4d1dc; }
.herogrid { display: grid; grid-template-columns: 1.06fr .94fr; gap: 70px; align-items: center; }
.herofine { font-size: 13.4px; color: #90a6ba; margin: 24px 0 0; }

/* Photo-led hero — Scott in the frame. Square frame, square offset rule. */
.heroportrait { position: relative; margin: 0; }
.heroportrait::before {
  content: ""; position: absolute; inset: 24px -20px -24px 24px;
  border: 1px solid var(--brass); opacity: .55;
}
.heroportrait img {
  position: relative; z-index: 1;
  display: block; width: 100%; height: auto;
  aspect-ratio: 4 / 5; object-fit: cover; object-position: center 18%;
  max-width: 430px; margin-left: auto;
  border: 1px solid rgba(255,255,255,.18);
}
.heroportrait figcaption {
  position: relative; z-index: 1;
  margin: 18px 0 0; text-align: right;
  font-size: 12.6px; letter-spacing: .02em;
  color: #9db2c5;
}
.heroportrait figcaption b { color: #fff; font-weight: 500; }

/* "What we can look at together" — its own breathing band. */
.lookat { display: grid; grid-template-columns: .82fr 1.18fr; gap: 60px; align-items: start; }
.lookat h2 { font-weight: 400; margin-bottom: .3em; }
.lookat .sub { color: var(--muted); font-size: 15.2px; margin-bottom: 0; }
.lookat .ticks { margin: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 2px 40px; }
.lookat .ticks li { font-size: 16px; }

/* ---------- Lead-magnet band — the reference's slim slate strip under the hero ---------- */
.leadmagnet { background: var(--slate); border-top: 1px solid rgba(255,255,255,.10); padding: 23px 0; }
.leadmagnet .wrap { display: flex; align-items: center; justify-content: space-between; gap: 20px; flex-wrap: wrap; }
.leadmagnet p { margin: 0; font-size: 15.4px; color: #dbe5ec; }
.leadmagnet strong { color: #fff; font-weight: 500; }
.leadmagnet a {
  color: #fff; font-weight: 500; font-size: 15.4px; text-decoration: none;
  border-bottom: 1px solid var(--brass); padding-bottom: 3px; white-space: nowrap;
}
.leadmagnet a:hover { color: var(--brass); border-bottom-color: var(--brass); }

/* ---------- Trust strip — thin, light, hairline ruled ---------- */
.trust { background: var(--paper-2); border-bottom: 1px solid var(--line); padding: 22px 0; }
.trustlist {
  list-style: none; padding: 0; margin: 0;
  display: flex; flex-wrap: wrap; gap: 12px 32px; align-items: center; justify-content: center;
}
.trustlist li { font-size: 13.4px; color: var(--slate); margin: 0; display: flex; align-items: center; gap: 9px; }
.trustlist li + li::before {
  content: ""; width: 3px; height: 3px; border-radius: 50%; background: var(--line-2); margin-right: 20px;
}
.trustlist strong { color: var(--ink); font-weight: 600; }
.truststrip { background: var(--paper-2); border-bottom: 1px solid var(--line); padding: 22px 0; }
.truststrip .wrap { display: flex; gap: 32px; flex-wrap: wrap; align-items: center; justify-content: center; }
.truststrip .item { font-size: 13.4px; color: var(--muted); display: flex; align-items: center; gap: 9px; }
.truststrip .item b { color: var(--ink); font-weight: 600; }

/* ---------- Page header (interior pages) ---------- */
.pagehead {
  position: relative;
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%);
  color: #d5e0ea;
  padding: 68px 0 62px;
}
.pagehead h1 { color: #fff; margin-bottom: 14px; }
.pagehead .lede { color: #c4d1dc; margin-bottom: 0; }
.pagehead .crumb { font-size: 13px; color: #90a6ba; margin-bottom: 16px; }
.pagehead .crumb a { color: #90a6ba; text-decoration: none; }
.pagehead .crumb a:hover { color: #fff; }

/* ---------- Cards / grids ---------- */
.grid { display: grid; gap: 24px; }
.grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }

.card {
  position: relative;
  background: var(--paper);
  border: 1px solid var(--line);
  border-top: 3px solid var(--brass);
  padding: 34px 30px 30px;
  display: flex; flex-direction: column;
  transition: border-color .16s var(--ease), background .16s var(--ease);
}
.card:hover { border-color: var(--line-2); border-top-color: var(--brass-2); background: #fcfcfc; }
.card h3 { margin: 0 0 10px; }
.card p { font-size: 15.2px; margin-bottom: 16px; color: var(--body); }
.card .cardlink { margin-top: auto; font-weight: 500; font-size: 14.6px; text-decoration: none; color: var(--ink); }
.card .cardlink::after { content: " \2192"; color: var(--brass-2); }
.card .cardlink:hover { color: var(--brass-2); }
.card-soft { background: var(--paper-3); }
.card-icon {
  width: 44px; height: 44px;
  background: var(--paper-2); color: var(--ink);
  display: grid; place-items: center; margin-bottom: 18px;
  font-family: var(--font); font-weight: 500; font-size: 18px;
}

/* ---------- Steps ---------- */
.steps { counter-reset: step; display: grid; gap: 1px; background: var(--line); border: 1px solid var(--line); }
.steps.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.step {
  counter-increment: step; position: relative;
  background: var(--paper); padding: 32px 30px;
}
.step::before {
  content: counter(step, decimal-leading-zero);
  display: block; margin-bottom: 14px;
  font-family: var(--font); font-weight: 500; font-size: 15px;
  color: var(--brass-2); letter-spacing: .06em;
}
.step h3 { margin-bottom: 8px; font-size: 1.16rem; }
.step p { margin-bottom: 0; font-size: 15.2px; }

/* ---------- Video ---------- */
.videoblock {
  position: relative;
  background: linear-gradient(150deg, var(--navy) 0%, var(--navy-2) 100%);
  aspect-ratio: 16 / 9; display: grid; place-items: center;
  border: 1px solid rgba(255,255,255,.14);
  overflow: hidden;
}
.videoblock .play {
  width: 70px; height: 70px; border-radius: 50%;
  background: #fff; display: grid; place-items: center;
  color: var(--ink); font-size: 20px; padding-left: 5px;
  transition: transform .18s var(--ease);
}
.videoblock:hover .play { transform: scale(1.05); }
.videoblock .vlabel { position: absolute; bottom: 16px; left: 18px; color: #a9bdcd; font-size: 12.6px; letter-spacing: .02em; }
.videoblock .vtitle {
  position: absolute; top: 18px; left: 18px; right: 18px;
  color: #fff; font-family: var(--font); font-size: 1.34rem; font-weight: 400; max-width: 84%; line-height: 1.3;
}

.vgrid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 24px; }
.vcard { display: flex; flex-direction: column; }
.vcard h3 { font-size: 1rem; margin: 14px 0 6px; line-height: 1.4; }
.vcard p { font-size: 13.2px; color: var(--muted); margin: 0; }
.vthumb {
  position: relative; font-size: 0; aspect-ratio: 16 / 9;
  display: grid; place-items: center;
  background: linear-gradient(150deg, var(--navy) 0%, var(--navy-2) 100%);
  border: 1px solid rgba(255,255,255,.12);
  transition: border-color .16s var(--ease);
}
.vcard:hover .vthumb { border-color: var(--brass); }
.vthumb::before {
  content: ""; position: absolute; width: 50px; height: 50px; border-radius: 50%;
  background: #fff;
}
.vthumb::after {
  content: ""; position: absolute; width: 0; height: 0; margin-left: 4px;
  border-left: 12px solid var(--ink);
  border-top: 7px solid transparent; border-bottom: 7px solid transparent;
}

/* ---------- Photo card ---------- */
.photocard {
  position: relative;
  background: var(--navy);
  border: 1px solid var(--navy-2);
  padding: 12px;
}
.photocard img {
  width: 100%; height: auto; aspect-ratio: 4 / 5; object-fit: cover; object-position: center 16%;
  display: block;
}
.twocol > .photocard, .split > .photocard, .twocol > div > .photocard { max-width: 470px; margin-left: auto; margin-right: auto; }
.photocard .ph {
  display: grid; place-items: center; text-align: center;
  aspect-ratio: 4 / 5;
  background: repeating-linear-gradient(135deg, rgba(255,255,255,.05) 0 12px, rgba(255,255,255,.02) 12px 24px);
  border: 1px dashed rgba(255,255,255,.26);
  color: #9db2c5; font-size: 13.4px; padding: 24px;
}
.photocard .phcap {
  margin: 14px 6px 6px; font-size: 12.4px; color: #a9bdcd; letter-spacing: .02em;
  text-align: center; font-weight: 500;
}
.photofloat {
  position: absolute; right: -14px; bottom: 28px;
  background: var(--brass); color: var(--ink);
  padding: 12px 18px; font-size: 12.2px; font-weight: 600;
  letter-spacing: .02em; max-width: 62%;
}

/* ---------- Stat card ---------- */
.statcard {
  margin-top: 30px;
  background: var(--paper-2); border: 1px solid var(--line);
  padding: 26px 24px; display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px;
}
.statcard > div { display: flex; flex-direction: column; gap: 5px; border-right: 1px solid var(--line-2); padding-right: 16px; }
.statcard > div:last-child { border-right: 0; padding-right: 0; }
.statcard strong { font-family: var(--font); font-size: 2.1rem; font-weight: 500; color: var(--ink); line-height: 1; }
.statcard span { font-size: 12.6px; color: var(--slate); line-height: 1.45; }

/* ---------- Info card (contact sidebar) ---------- */
.infocard {
  background: var(--paper); border: 1px solid var(--line); border-top: 3px solid var(--brass);
  padding: 28px 30px; margin-bottom: 24px;
}
.infocard h3 { margin-bottom: 12px; font-size: 1.14rem; }
.infocard p { font-size: 15.1px; margin-bottom: .6em; }
.infocard ul { margin-bottom: 0; }
.infocard .ticks li { font-size: 15px; }
.infocard p:last-child { margin-bottom: 0; }

.contactgrid { display: grid; grid-template-columns: 1.35fr 1fr; gap: 56px; align-items: start; }

/* ---------- Ticks ---------- */
.ticks { list-style: none; padding: 0; margin: 0 0 1.2em; }
.ticks li { position: relative; padding-left: 28px; margin-bottom: 12px; line-height: 1.6; }
.ticks li::before {
  content: "\2713"; position: absolute; left: 0; top: 0;
  color: var(--brass-2); font-weight: 600; font-size: 14px;
}
.on-dark .ticks li::before, .hero .ticks li::before, .pagehead .ticks li::before { color: var(--brass); }

/* ---------- Lead box / forms ---------- */
.leadbox {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%);
  padding: 44px 46px; color: #d3dfe9;
  border: 1px solid rgba(255,255,255,.12);
}
.leadbox h2, .leadbox h3 { color: #fff; }
.leadbox p { color: #bdcfdd; }
.leadbox a { color: var(--brass); }

.leadform { display: block; }
.leadform label {
  display: block; font-size: 13.2px; font-weight: 500; color: var(--ink);
  margin-bottom: 16px; letter-spacing: .01em;
}
.leadbox .leadform label { color: #d3dfe9; }
.leadform input[type="text"], .leadform input[type="email"], .leadform input[type="tel"],
.leadform select, .leadform textarea {
  width: 100%; padding: 13px 15px; margin-top: 7px;
  border: 1px solid var(--line-2); border-radius: 0;
  font-family: var(--font); font-size: 15.4px; color: var(--ink); background: #fff;
  transition: border-color .15s var(--ease);
}
.leadform input:focus, .leadform select:focus, .leadform textarea:focus {
  outline: none; border-color: var(--brass);
}
.leadform textarea { min-height: 120px; resize: vertical; }
.leadform .btn { margin-top: 4px; }
.formfine { font-size: 12.6px; color: var(--muted); margin: 16px 0 0; line-height: 1.6; }
.leadbox .formfine { color: #9db2c5; }

.field { margin-bottom: 18px; }
.field label { display: block; font-size: 13.4px; font-weight: 500; color: var(--ink); margin-bottom: 6px; }
.field .req { color: #b4322a; }
.field .hint { font-size: 12.4px; color: var(--muted); margin-top: 5px; }
.field input[type="text"], .field input[type="email"], .field input[type="tel"], .field select, .field textarea {
  width: 100%; padding: 12px 14px; border: 1px solid var(--line-2); border-radius: 0;
  font-family: var(--font); font-size: 15.4px; color: var(--ink); background: #fff;
}
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--brass); }
.checkline { display: flex; gap: 10px; align-items: flex-start; font-size: 13.2px; color: var(--body); }
.checkline input { margin-top: 3px; flex: none; }
.formcard { background: var(--paper); border: 1px solid var(--line); border-top: 3px solid var(--brass); padding: 32px; }

/* ---------- Blog list ---------- */
.chips { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 38px; }
.chip {
  display: inline-block; text-decoration: none;
  font-size: 13px; font-weight: 500; color: var(--ink);
  background: var(--paper); border: 1px solid var(--line-2); border-radius: 0;
  padding: 9px 16px; transition: background .15s var(--ease), border-color .15s var(--ease), color .15s var(--ease);
}
.chip:hover { background: var(--navy); border-color: var(--navy); color: #fff; }

.postlist { display: grid; gap: 0; border: 1px solid var(--line); }
.post {
  background: var(--paper); border-left: 3px solid var(--brass); border-bottom: 1px solid var(--line);
  padding: 30px 34px;
  transition: background .16s var(--ease);
}
.post:last-child { border-bottom: 0; }
.post:hover { background: var(--paper-3); }
.post h2 { font-size: 1.55rem; margin: 12px 0 8px; }
.post h2 a { text-decoration: none; color: var(--ink); }
.post h2 a:hover { color: var(--brass-2); }
.post p { font-size: 15.2px; margin-bottom: 0; }
.post p:last-child { margin-bottom: 0; }
.tag {
  display: inline-block;
  font-size: 11.4px; font-weight: 500; letter-spacing: .04em;
  color: var(--slate); background: var(--paper-2);
  padding: 5px 11px;
}
.meta { font-size: 12.8px; color: var(--muted); margin: 0 0 10px; letter-spacing: .02em; }

/* ---------- Tables ---------- */
.ptable, .prose table {
  width: 100%; border-collapse: collapse; margin: 1.6em 0; font-size: 15px;
  background: var(--paper); border: 1px solid var(--line);
}
.ptable th, .ptable td, .prose th, .prose td {
  border-bottom: 1px solid var(--line); padding: 13px 16px; text-align: left; vertical-align: top;
}
.ptable th, .prose th {
  background: var(--paper-2); color: var(--ink); font-weight: 500;
  font-size: 13.2px; letter-spacing: .02em;
}
.ptable tr:last-child td, .prose tr:last-child td { border-bottom: 0; }
.ptable tbody tr:hover { background: var(--paper-3); }

/* ---------- Prose / legal ---------- */
.prose h2 { margin-top: 1.9em; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin-top: 1.6em; }
.prose ul, .prose ol { padding-left: 1.4em; }
.legal { font-size: 15.2px; color: var(--body); }
.legal h2 {
  border-top: 1px solid var(--line); padding-top: 1.6em; margin-top: 1.9em;
  font-size: 1.34rem; font-weight: 500;
}
.legal h2:first-of-type { border-top: 0; padding-top: 0; margin-top: 0; }
.legal p { font-size: 15px; }

/* ---------- Callouts ---------- */
.note {
  border-left: 3px solid var(--brass); background: var(--brass-3);
  padding: 18px 22px; margin: 1.8em 0; font-size: 15px; color: var(--body);
}
.note strong { color: var(--ink); }
.note a { color: var(--brass-2); font-weight: 600; }
.disclosure {
  border: 1px solid var(--line); background: var(--paper-2);
  padding: 22px 24px; margin: 2em 0; font-size: 13.2px; color: var(--slate);
}
.disclosure h3 {
  font-family: var(--font); font-size: 13px; letter-spacing: .02em; color: var(--ink);
  margin: 0 0 10px; font-weight: 600;
}
.disclosure p:last-child { margin-bottom: 0; }

/* ---------- CTA band ---------- */
.ctaband {
  position: relative;
  background: linear-gradient(158deg, var(--navy) 0%, var(--navy-2) 100%);
  color: #c8d6e3; padding: 82px 0;
}
.ctaband h2 { color: #fff; max-width: 26ch; margin-left: auto; margin-right: auto; }
.ctaband p { color: #bdcfdd; margin-left: auto; margin-right: auto; }
.ctaband .btn { margin-top: 10px; }

/* ---------- Footer ---------- */
.sitefooter { background: var(--navy); color: #a3b8cb; font-size: 14px; padding: 64px 0 32px; }
.sitefooter h4, .sitefooter .footh {
  color: #fff; font-family: var(--font); font-size: 13.4px; font-weight: 600;
  letter-spacing: .02em; margin: 0 0 16px;
}
.sitefooter a { color: #a3b8cb; text-decoration: none; }
.sitefooter a:hover { color: #fff; }
.footgrid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 42px; }
.footgrid ul { list-style: none; padding: 0; margin: 0; }
.footgrid li { margin-bottom: 10px; font-size: 13.6px; }
.footbrand .brandname { color: #fff; font-size: 21px; }
.footbrand .brandsub { color: #7d94a9; }
.footbrand .brandmark { background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.16); }
.footbrand p { font-size: 13.4px; margin-top: 16px; color: #96adc0; max-width: 44ch; }
.footlegal {
  margin-top: 46px; padding-top: 26px; border-top: 1px solid rgba(255,255,255,.13);
  font-size: 12.2px; color: #849cb1; line-height: 1.68;
}
.footlegal p { margin-bottom: 1em; }
.footlegal strong { color: #b9cee0; }
.footlegal .crd { color: #dfe9f2; }
.footlegal a { text-decoration: underline; text-decoration-color: rgba(255,255,255,.28); }
.footlegal a:hover { color: #fff; }

/* ---------- Split feature ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.split.rev > :first-child { order: 2; }

/* ---------- Responsive ---------- */
@media (max-width: 1040px) {
  .nav a { padding: 12px 10px; font-size: 15px; }
  .nav .cta-in-nav { margin-left: 8px; padding: 13px 20px; }
  .herogrid { gap: 42px; }
  .vgrid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
}

@media (max-width: 960px) {
  .herogrid, .twocol, .split, .contactgrid, .lookat { grid-template-columns: 1fr; gap: 38px; }
  .heroportrait { max-width: 410px; margin-left: auto; margin-right: auto; }
  .heroportrait img { margin-left: 0; max-width: none; }
  .heroportrait::before { inset: 18px -14px -18px 18px; }
  .heroportrait figcaption { text-align: left; }
  .twocol.rev > :first-child, .split.rev > :first-child { order: 0; }
  .grid-3, .grid-4, .steps.grid-3 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .vgrid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footgrid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .photofloat { right: 10px; bottom: 10px; }

  .navtoggle {
    display: block; background: var(--paper); border: 1px solid var(--line-2);
    padding: 11px 18px; font-size: 14.4px; font-weight: 500; cursor: pointer; color: var(--ink);
    font-family: var(--font);
  }
  .nav {
    display: none; position: absolute; top: calc(100% + 1px); left: -26px; right: -26px;
    background: var(--paper); border-bottom: 2px solid var(--brass);
    flex-direction: column; align-items: stretch; padding: 12px 26px 22px; gap: 2px;
    max-height: 78vh; overflow-y: auto;
  }
  .nav.open { display: flex; }
  .nav .pop { position: static; display: block; border: none; border-left: 1px solid var(--line); padding: 0 0 0 14px; min-width: 0; }
  .nav .haspop > a::after { display: none; }
  .nav a[aria-current="page"] { box-shadow: none; }
  .nav .cta-in-nav { margin: 14px 0 0; display: block; text-align: center; }
  .nav a { padding: 12px 8px; font-size: 15.5px; }
}

@media (max-width: 640px) {
  body { font-size: 16px; }
  .wrap { padding: 0 20px; }
  .utilitybar .wrap { justify-content: center; gap: 4px 16px; min-height: 38px; }
  .utilitybar .ub-left { display: none; }
  .section { padding: 58px 0; }
  .sectionhead { margin-bottom: 34px; }
  .grid, .grid-2, .grid-3, .grid-4, .steps.grid-3, .vgrid { grid-template-columns: 1fr; }
  .footgrid { grid-template-columns: 1fr; gap: 28px; }
  .hero { padding: 56px 0 54px; }
  .pagehead { padding: 48px 0 44px; }
  .leadmagnet .wrap { flex-direction: column; align-items: flex-start; gap: 10px; }
  .leadbox { padding: 32px 24px; }
  .step { padding: 26px 22px; }
  .statcard { grid-template-columns: 1fr; gap: 16px; }
  .statcard > div { border-right: 0; padding-right: 0; }
  .trustlist { flex-direction: column; align-items: flex-start; gap: 8px; }
  .trustlist li + li::before { display: none; }
  .post { padding: 24px 22px; }
  .lookat .ticks { grid-template-columns: 1fr; }
  .ctaband { padding: 58px 0; }

  /* iOS Safari zooms the whole viewport when a focused field's font-size is
     under 16px. Holding fields at 16px on small screens avoids that jolt. */
  .leadform input[type="text"], .leadform input[type="email"], .leadform input[type="tel"],
  .leadform select, .leadform textarea,
  .field input[type="text"], .field input[type="email"], .field input[type="tel"],
  .field select, .field textarea { font-size: 16px; }

  /* Comfortable tap targets -- 44px is the WCAG 2.5.5 / iOS minimum. */
  .nav a { min-height: 44px; display: flex; align-items: center; }
  .footgrid li a { min-height: 44px; display: flex; align-items: center; }

  /* Footer breathing room at the bottom of the page. */
  .sitefooter { padding: 48px 0 28px; }
}