/* =====================================================================
   Harbor Heritage Financial Group — Single-page rebuild
   Structure modeled 1:1 on the reference layout; Harbor Heritage brand.
   Dark navy default + light-mode toggle. Navy #14243F / brass gold #C6A02E.
   ===================================================================== */

/* ---------- Design tokens ---------- */
:root {
  /* Brand constants (theme-independent) */
  --navy:        #14243F;
  --navy-deep:   #0D1A2E;
  --navy-800:    #1B3155;
  --navy-700:    #223B60;
  --navy-600:    #274873;
  --gold:        #C6A02E;
  --gold-bright: #E8C967;
  --gold-deep:   #9C7C22;
  --gold-soft:   #EAD79C;
  --grad-gold:      linear-gradient(135deg, #F2DE93 0%, #D9B449 30%, #B98E28 52%, #E7C55F 74%, #C79A2C 100%);
  --grad-gold-rule: linear-gradient(90deg, rgba(198,160,46,0) 0%, #C6A02E 18%, #EAD79C 50%, #C6A02E 82%, rgba(198,160,46,0) 100%);

  --cream:       #F5F1E8;
  --paper:       #FDFCFB;

  /* Type */
  --font-display: "Cormorant Garamond", Georgia, "Times New Roman", serif;
  --font-sans:    "Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;

  /* Shape / motion */
  --radius:    10px;
  --radius-lg: 18px;
  --ease:      cubic-bezier(.22,.61,.36,1);
  --sticky-h:  70px;
}

/* ----- Dark theme (default) ----- */
:root, :root[data-theme="dark"] {
  --bg:        #14243F;
  --bg-2:      #182B49;
  --bg-3:      #1F3760;
  --surface:   #182B49;
  --surface-2: #1E3358;
  --border:    rgba(234,215,156,.16);
  --border-soft: rgba(255,255,255,.08);
  --text:      #F3EEE2;
  --text-soft: rgba(243,238,226,.72);
  --text-mut:  rgba(243,238,226,.5);
  --eyebrow:   var(--gold-soft);
  --hero-glow: radial-gradient(60% 60% at 78% 20%, rgba(198,160,46,.18) 0%, rgba(198,160,46,0) 70%);
  --shadow:    0 24px 60px rgba(5,12,24,.45);
  --shadow-sm: 0 6px 20px rgba(5,12,24,.30);
  --card-hi:   rgba(255,255,255,.03);
  color-scheme: dark;
}

/* ----- Light theme ----- */
:root[data-theme="light"] {
  --bg:        #F5F1E8;
  --bg-2:      #FBF8F1;
  --bg-3:      #EFE8D8;
  --surface:   #FFFFFF;
  --surface-2: #FBF8F1;
  --border:    rgba(20,36,63,.14);
  --border-soft: rgba(20,36,63,.09);
  --text:      #14243F;
  --text-soft: rgba(28,37,54,.78);
  --text-mut:  rgba(28,37,54,.55);
  --eyebrow:   var(--gold-deep);
  --hero-glow: radial-gradient(60% 60% at 80% 18%, rgba(198,160,46,.14) 0%, rgba(198,160,46,0) 70%);
  --shadow:    0 24px 60px rgba(20,36,63,.14);
  --shadow-sm: 0 6px 20px rgba(20,36,63,.08);
  --card-hi:   rgba(20,36,63,.015);
  color-scheme: light;
}

/* Feature "bubble" cards use the standard LIGHT palette in BOTH themes */
.stat-card, .tool-card, .convo-card, .tl-card, .step {
  --surface:     #FFFFFF;
  --surface-2:   #FBF8F1;
  --bg-3:        #EFE8D8;
  --border:      rgba(20,36,63,.14);
  --border-soft: rgba(20,36,63,.09);
  --text:        #14243F;
  --text-soft:   rgba(28,37,54,.78);
  --text-mut:    rgba(28,37,54,.55);
  --eyebrow:     var(--gold-deep);
  --card-hi:     rgba(20,36,63,.015);
  background-color: var(--surface);
  border-color: var(--border-soft);
  color: var(--text);
}

/* ---------- Reset / base ---------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  background: var(--bg);
  scroll-padding-top: calc(var(--sticky-h) + 14px);
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; }
}
body {
  font-family: var(--font-sans);
  background: var(--bg);
  color: var(--text);
  line-height: 1.65;
  font-size: 1.02rem;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
  transition: background .4s var(--ease), color .4s var(--ease);
}
img, svg, video { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; transition: color .18s var(--ease); }
ul { list-style: none; padding: 0; }
button { font-family: inherit; cursor: pointer; }
:focus-visible { outline: 2px solid var(--gold-bright); outline-offset: 3px; border-radius: 4px; }

h1, h2, h3, h4 { font-weight: 700; line-height: 1.08; letter-spacing: -.01em; color: var(--text); }
.font-display { font-family: var(--font-display); font-weight: 600; letter-spacing: 0; }

.container { width: 100%; max-width: none; margin-inline: auto; padding-inline: clamp(1.15rem, 3vw, 2rem); }

/* soft ambient background wash */
body::before {
  content: ""; position: fixed; inset: 0; z-index: -2; pointer-events: none;
  background:
    radial-gradient(70% 55% at 12% -5%, color-mix(in srgb, var(--gold) 8%, transparent) 0%, transparent 60%),
    radial-gradient(60% 50% at 100% 8%, color-mix(in srgb, var(--navy-600) 22%, transparent) 0%, transparent 55%);
  opacity: .9;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  padding: .85rem 1.6rem; border-radius: 6px; font-weight: 700; font-size: .95rem;
  letter-spacing: .01em; border: 1px solid transparent; cursor: pointer; white-space: nowrap;
  transition: transform .16s var(--ease), box-shadow .2s var(--ease), background .2s var(--ease), color .2s var(--ease), border-color .2s var(--ease);
}
.btn svg { width: 1.05em; height: 1.05em; }
.btn-gold {
  background: var(--grad-gold); color: #1a1400;
  box-shadow: 0 8px 24px rgba(214,180,73,.42), inset 0 1px 0 rgba(255,255,255,.45);
}
.btn-gold:hover { color: #1a1400; transform: translateY(-2px); box-shadow: 0 12px 34px rgba(214,180,73,.58), inset 0 1px 0 rgba(255,255,255,.55); }
/* Nav CTA (now in the right-hand tools group) — black text, same 6px radius + glow */
.nav-book { color: #1a1400; border-radius: 6px; padding: .6rem 1.15rem; font-size: .92rem; font-weight: 700; }
.nav-book:hover { color: #1a1400; background: var(--grad-gold); transform: translateY(-2px); }
@media (max-width: 600px){ .nav-book { display: none; } } /* small phones: rely on in-page CTAs */
/* Gold CTA text stays black everywhere — including in the footer, which recolors its links */
.site-footer a.btn-gold, .site-footer a.btn-gold:hover { color: #1a1400; }
.btn-outline { background: transparent; border-color: var(--border); color: var(--text); }
.btn-outline:hover { border-color: var(--gold); color: var(--gold-bright); transform: translateY(-2px); }
.btn-lg { padding: 1rem 1.9rem; font-size: 1.02rem; }
.btn-block { width: 100%; }

/* ---------- Ticker + marquee ---------- */
.ticker {
  background: linear-gradient(90deg, var(--navy-deep), var(--navy-800));
  color: var(--gold-soft); font-size: .8rem; letter-spacing: .14em; text-transform: uppercase;
  border-bottom: 1px solid var(--border);
}
.ticker .container { display: flex; align-items: center; justify-content: space-between; gap: 1rem; min-height: 34px; padding-block: .35rem; }
.ticker b { color: #fff; font-weight: 700; }
.ticker .ticker-tag { color: var(--gold-soft); font-weight: 600; }
.ticker .ticker-sub { opacity: .85; }
@media (max-width: 640px){ .ticker .ticker-sub { display: none; } }

.marquee {
  position: relative; overflow: hidden; background: var(--bg-2);
  border-bottom: 1px solid var(--border-soft); -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
          mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}
.marquee-track { display: flex; width: max-content; animation: marquee 42s linear infinite; will-change: transform; }
/* marquee keeps rolling — never pauses on hover */
.marquee-item { display: inline-flex; align-items: center; gap: .7rem; padding: .7rem 0; margin-right: 2.6rem; color: var(--text-soft); font-size: .86rem; font-weight: 600; letter-spacing: .02em; white-space: nowrap; }
.marquee-item::before { content: ""; width: 5px; height: 5px; border-radius: 50%; background: var(--gold); flex: none; }
@keyframes marquee { from { transform: translateX(0);} to { transform: translateX(-50%);} }

/* ---------- Nav ---------- */
.nav {
  position: sticky; top: 0; z-index: 60;
  background: color-mix(in srgb, var(--bg) 82%, transparent);
  backdrop-filter: blur(14px) saturate(1.3); -webkit-backdrop-filter: blur(14px) saturate(1.3);
  border-bottom: 1px solid var(--border-soft);
}
.nav-inner { display: flex; align-items: center; gap: 1.25rem; min-height: var(--sticky-h); }
.brand { display: flex; align-items: center; gap: .7rem; }
.brand img { width: 38px; height: 58px; object-fit: contain; filter: drop-shadow(0 2px 6px rgba(0,0,0,.3)); }
.brand-text { display: flex; flex-direction: column; line-height: 1.05; }
.brand-name { font-family: var(--font-display); font-weight: 700; font-size: 1.28rem; color: var(--text); letter-spacing: .01em; }
.brand-sub { font-size: .62rem; letter-spacing: .22em; text-transform: uppercase; color: var(--gold); font-weight: 700; }
.nav-links { display: flex; align-items: center; gap: .3rem; margin-inline: auto; }
.nav-links a { padding: .5rem .8rem; border-radius: 8px; font-size: .9rem; font-weight: 600; color: var(--text-soft); }
.nav-links a:hover { color: var(--text); background: var(--card-hi); }
.nav-tools { display: flex; align-items: center; gap: .6rem; }
.theme-toggle {
  width: 40px; height: 40px; border-radius: 50%; display: grid; place-items: center;
  background: var(--surface); border: 1px solid var(--border); color: var(--text);
  margin-left: 1.5rem; /* separate the toggle from the CTA, push it to the far right */
}
.theme-toggle:hover { border-color: var(--gold); color: var(--gold-bright); }
.theme-toggle svg { width: 18px; height: 18px; }
.theme-toggle .icon-sun { display: none; }
:root[data-theme="light"] .theme-toggle .icon-sun { display: block; }
:root[data-theme="light"] .theme-toggle .icon-moon { display: none; }
.nav-cta { display: inline-flex; }
.nav-toggle { display: none; width: 42px; height: 42px; border-radius: 10px; background: var(--surface); border: 1px solid var(--border); position: relative; }
.nav-toggle span, .nav-toggle span::before, .nav-toggle span::after {
  content: ""; position: absolute; left: 50%; top: 50%; width: 18px; height: 2px; background: var(--text);
  transform: translate(-50%,-50%); transition: .25s var(--ease); border-radius: 2px;
}
.nav-toggle span::before { top: -6px; } .nav-toggle span::after { top: 6px; }
.nav.open .nav-toggle span { background: transparent; }
.nav.open .nav-toggle span::before { top: 0; transform: rotate(45deg); }
.nav.open .nav-toggle span::after  { top: 0; transform: rotate(-45deg); }

@media (max-width: 940px) {
  .nav-cta { display: none; }
  .nav-toggle { display: block; }
  .nav-links {
    position: fixed; inset: calc(var(--sticky-h)) 0 auto 0; flex-direction: column; align-items: stretch;
    background: var(--bg-2); border-bottom: 1px solid var(--border); padding: .8rem 1.15rem 1.4rem;
    gap: .2rem; transform: translateY(-120%); transition: transform .3s var(--ease); box-shadow: var(--shadow);
  }
  .nav.open .nav-links { transform: translateY(0); }
  .nav-links a { padding: .85rem .6rem; font-size: 1rem; border-bottom: 1px solid var(--border-soft); }
  .nav-links .btn { margin-top: .6rem; }
}

/* ---------- Section scaffolding ---------- */
.section { padding-block: clamp(3.5rem, 8vw, 6.5rem); position: relative; }
.section-alt { background: var(--bg-2); }
.eyebrow {
  display: inline-flex; align-items: center; gap: .55rem; font-size: .72rem; font-weight: 800;
  letter-spacing: .2em; text-transform: uppercase; color: var(--eyebrow); margin-bottom: 1rem;
}
.eyebrow::before { content: ""; width: 26px; height: 2px; background: var(--gold); border-radius: 2px; }
.eyebrow.center { justify-content: center; }
.section-head { max-width: 760px; }
.section-head.center { margin-inline: auto; text-align: center; }
.section-head h2 { font-family: var(--font-display); font-weight: 600; font-size: clamp(2.1rem, 4.4vw, 3.3rem); letter-spacing: -.005em; }
.section-head h2 .hl { color: var(--gold-bright); font-style: italic; }
.section-head p { color: var(--text-soft); font-size: 1.08rem; margin-top: 1rem; }
.hl { color: var(--gold-bright); }

/* Reveal on scroll — hidden state gated behind .js so no-JS still shows content */
html.js .reveal { opacity: 0; transform: translateY(22px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
html.js .reveal.in { opacity: 1; transform: none; }
.reveal.d1 { transition-delay: .08s; } .reveal.d2 { transition-delay: .16s; } .reveal.d3 { transition-delay: .24s; } .reveal.d4 { transition-delay: .32s; }

/* ---------- Hero ---------- */
.hero { position: relative; padding-block: clamp(3rem, 7vw, 5.5rem) clamp(3.5rem, 8vw, 6rem); overflow: hidden; }
.hero::before { content: ""; position: absolute; inset: 0; background: var(--hero-glow); pointer-events: none; z-index: -1; }
.hero-inner { display: grid; grid-template-columns: 1.15fr .85fr; gap: clamp(2rem, 5vw, 4rem); align-items: center; }
.hero-copy h1 { font-family: var(--font-display); font-weight: 600; font-size: clamp(2.7rem, 6vw, 4.6rem); line-height: 1.02; letter-spacing: -.01em; margin: .4rem 0 1.2rem; }
.hero-copy h1 .hl { font-style: italic; color: var(--gold-bright); }
.hero-lead { font-size: 1.16rem; color: var(--text-soft); max-width: 42ch; }
.hero-lead b { color: var(--text); font-weight: 700; }
.hero-list { margin: 1.6rem 0 1.9rem; display: grid; gap: .7rem; }
.hero-list li { display: flex; align-items: flex-start; gap: .7rem; color: var(--text-soft); font-size: .98rem; }
.hero-list svg { width: 20px; height: 20px; color: var(--gold); flex: none; margin-top: .12rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: .8rem; align-items: center; }
.hero-phone { display: inline-flex; align-items: center; gap: .5rem; font-weight: 700; color: var(--text); padding: .5rem .3rem; }
.hero-phone:hover { color: var(--gold-bright); }
.hero-phone svg { width: 18px; height: 18px; color: var(--gold); }

.hero-portrait { position: relative; }
.portrait-frame {
  position: relative; border-radius: var(--radius-lg); overflow: hidden; aspect-ratio: 4/5;
  background: linear-gradient(160deg, var(--navy-700), var(--navy-deep));
  border: 1px solid var(--border); box-shadow: var(--shadow); display: grid; place-items: center;
}
.portrait-frame::after { content: ""; position: absolute; inset: 0; box-shadow: inset 0 0 0 1px rgba(234,215,156,.12); border-radius: inherit; }
.portrait-ph { display: grid; place-items: center; gap: 1rem; text-align: center; padding: 2rem; }
.portrait-ph img { width: 92px; height: 140px; object-fit: contain; opacity: .96; filter: drop-shadow(0 6px 18px rgba(0,0,0,.4)); }
.portrait-ph .mono { font-family: var(--font-display); font-size: 3.4rem; font-weight: 700; color: var(--gold-soft); line-height: 1; letter-spacing: .04em; }
.portrait-ph .note { font-size: .72rem; letter-spacing: .16em; text-transform: uppercase; color: var(--text-mut); }
.portrait-card {
  position: absolute; left: 1rem; bottom: 1rem; right: 1rem; padding: .85rem 1.1rem; border-radius: 12px;
  background: color-mix(in srgb, var(--navy-deep) 78%, transparent); backdrop-filter: blur(8px);
  border: 1px solid var(--border); display: flex; flex-direction: column; gap: .1rem;
}
.portrait-card .pc-name { font-family: var(--font-display); font-weight: 700; font-size: 1.15rem; color: #fff; }
.portrait-card .pc-role { font-size: .78rem; color: var(--gold-soft); letter-spacing: .04em; }
.portrait-badge {
  position: absolute; top: 1rem; right: 1rem; display: inline-flex; align-items: center; gap: .4rem;
  padding: .4rem .7rem; border-radius: 999px; font-size: .7rem; font-weight: 700; letter-spacing: .04em;
  background: color-mix(in srgb, var(--navy-deep) 70%, transparent); border: 1px solid var(--border); color: var(--gold-soft);
}
.portrait-badge svg { width: 16px; height: 11px; border-radius: 1px; }
.portrait-img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: center 42%; z-index: 1; }
.portrait-frame .portrait-badge, .portrait-frame .portrait-card { z-index: 2; }
.portrait-ph { z-index: 0; }

@media (max-width: 860px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-portrait { max-width: 380px; margin-inline: auto; order: -1; }
}

/* ---------- "Why this matters" stats ---------- */
.stat-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(250px, 1fr)); gap: 1rem; margin-top: 2.6rem; }
.stat-card {
  background: var(--surface); border: 1px solid var(--border-soft); border-radius: var(--radius); padding: 1.4rem 1.4rem 1.15rem;
  position: relative; overflow: hidden; transition: border-color .2s var(--ease), transform .2s var(--ease);
}
.stat-card::before { content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 3px; background: var(--grad-gold); opacity: .8; }
.stat-card:hover { border-color: var(--border); transform: translateY(-3px); }
.stat-num { font-family: var(--font-display); font-weight: 700; font-size: 2.5rem; color: var(--gold-bright); line-height: 1; }
.stat-lead { display: block; margin-top: .35rem; font-weight: 700; color: var(--text); font-size: 1.02rem; }
.stat-detail { overflow: hidden; max-height: 0; transition: max-height .32s var(--ease); }
.stat-detail p { font-size: .9rem; color: var(--text-soft); padding-top: .7rem; }
.stat-card.open .stat-detail { max-height: 420px; }
.stat-more { margin-top: .8rem; background: none; border: 0; padding: 0; color: var(--gold); font-weight: 700; font-size: .82rem; letter-spacing: .04em; display: inline-flex; align-items: center; gap: .35rem; }
.stat-more svg { width: 14px; height: 14px; transition: transform .25s var(--ease); }
.stat-card.open .stat-more svg { transform: rotate(180deg); }
.stat-note { margin-top: 1.8rem; font-size: .8rem; color: var(--text-mut); max-width: 70ch; }
.matters-cta { margin-top: 2.2rem; display: flex; flex-wrap: wrap; gap: 1rem; align-items: center; }
.matters-reassure { font-family: var(--font-display); font-style: italic; font-size: 1.3rem; color: var(--text); margin-top: 2.4rem; text-align: center; }
.matters-reassure .hl { font-style: normal; }

/* ---------- Mission (conversations) ---------- */
.convo-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.15rem; margin-top: 2.8rem; }
.convo-card {
  position: relative; background: var(--surface); border: 1px solid var(--border-soft); border-radius: var(--radius-lg);
  padding: 2rem 1.9rem; overflow: hidden; transition: transform .22s var(--ease), border-color .22s var(--ease), box-shadow .22s var(--ease);
}
.convo-card:hover { transform: translateY(-4px); border-color: var(--border); box-shadow: var(--shadow-sm); }
.convo-num { font-size: .72rem; font-weight: 800; letter-spacing: .18em; text-transform: uppercase; color: var(--gold); }
.convo-card h3 { font-family: var(--font-display); font-weight: 700; font-size: 1.6rem; margin: .55rem 0 .7rem; }
.convo-promise { font-weight: 700; color: var(--text); font-size: 1.02rem; }
.convo-card p.convo-body { color: var(--text-soft); font-size: .94rem; margin-top: .6rem; }
.convo-more { margin-top: 1.1rem; color: var(--gold-bright); font-weight: 700; font-size: .86rem; display: inline-flex; gap: .35rem; align-items: center; }
.convo-more::after { content: "→"; transition: transform .2s var(--ease); }
.convo-card:hover .convo-more::after { transform: translateX(4px); }
@media (max-width: 720px){ .convo-grid { grid-template-columns: 1fr; } }

/* ---------- Toolkit ---------- */
.tool-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.1rem; margin-top: 2.8rem; }
.tool-card {
  background: var(--surface); border: 1px solid var(--border-soft); border-radius: var(--radius-lg);
  padding: 1.7rem 1.6rem; display: flex; flex-direction: column; transition: transform .22s var(--ease), border-color .22s var(--ease);
}
.tool-card:hover { transform: translateY(-4px); border-color: var(--gold); }
.tool-no { font-size: .74rem; font-weight: 800; letter-spacing: .16em; color: var(--gold); }
.tool-card h3 { font-family: var(--font-display); font-weight: 700; font-size: 1.4rem; margin: .5rem 0 .55rem; }
.tool-tag { font-weight: 700; color: var(--text); font-size: .96rem; }
.tool-desc { color: var(--text-soft); font-size: .9rem; margin-top: .55rem; }
.tool-best { margin-top: 1rem; padding-top: .9rem; border-top: 1px solid var(--border-soft); font-size: .84rem; color: var(--text-mut); }
.tool-best b { color: var(--gold-soft); font-weight: 700; }
.tool-more { margin-top: 1rem; color: var(--gold-bright); font-weight: 700; font-size: .85rem; display: inline-flex; gap: .35rem; }
.tool-more::after { content: "→"; }
@media (max-width: 900px){ .tool-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px){ .tool-grid { grid-template-columns: 1fr; } }

/* ---------- Calculator ("Your Number") ---------- */
.calc-lede { display: grid; grid-template-columns: 1fr 1fr; gap: 2.5rem; align-items: start; margin-top: 2.4rem; }
.calc-lede .formula { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: 1.5rem; }
.calc-lede .formula .f-title { font-size: .72rem; letter-spacing: .16em; text-transform: uppercase; color: var(--gold); font-weight: 800; }
.calc-lede .formula .f-eq { font-family: var(--font-display); font-size: 1.5rem; color: var(--text); margin: .6rem 0; }
.calc-lede .formula .f-eq .hl { color: var(--gold-bright); font-style: italic; }
.calc-lede ul.checks { margin-top: 1rem; display: grid; gap: .5rem; }
.calc-lede ul.checks li { display: flex; gap: .6rem; font-size: .92rem; color: var(--text-soft); }
.calc-lede ul.checks svg { width: 18px; height: 18px; color: var(--gold); flex: none; margin-top: .12rem; }

.calc {
  margin-top: 2.6rem; display: grid; grid-template-columns: 1.05fr .95fr; gap: 0;
  background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-sm);
}
.calc-controls { padding: 1.8rem; border-right: 1px solid var(--border-soft); }
.calc-controls h3, .calc-results h3 { font-size: .74rem; letter-spacing: .16em; text-transform: uppercase; color: var(--gold); font-weight: 800; margin-bottom: 1.2rem; }
.field { margin-bottom: 1.15rem; }
.field-top { display: flex; justify-content: space-between; align-items: baseline; gap: 1rem; margin-bottom: .35rem; }
.field label { font-size: .88rem; font-weight: 600; color: var(--text-soft); }
.field .val { font-family: var(--font-display); font-weight: 700; font-size: 1.15rem; color: var(--gold-bright); white-space: nowrap; }
input[type="range"] { -webkit-appearance: none; appearance: none; width: 100%; height: 6px; border-radius: 999px; background: var(--bg-3); outline: none; }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 20px; height: 20px; border-radius: 50%; background: var(--grad-gold); border: 2px solid var(--paper); box-shadow: 0 2px 8px rgba(0,0,0,.35); cursor: pointer; }
input[type="range"]::-moz-range-thumb { width: 20px; height: 20px; border-radius: 50%; background: #D9B449; border: 2px solid var(--paper); cursor: pointer; }
.field-check { display: flex; align-items: center; gap: .6rem; margin-top: .4rem; }
.field-check input { width: 18px; height: 18px; accent-color: var(--gold); }
.field-check label { font-size: .85rem; color: var(--text-soft); }

.calc-results { padding: 1.8rem; background: linear-gradient(170deg, var(--surface-2), var(--surface)); }
.result-hero { text-align: center; padding: 1rem 0 1.4rem; border-bottom: 1px solid var(--border-soft); }
.result-hero .r-label { font-size: .74rem; letter-spacing: .14em; text-transform: uppercase; color: var(--text-mut); font-weight: 700; }
.result-hero .r-num { font-family: var(--font-display); font-weight: 700; font-size: clamp(2.6rem, 6vw, 3.6rem); color: var(--gold-bright); line-height: 1.02; margin: .3rem 0; }
.result-hero .r-sub { font-size: .86rem; color: var(--text-soft); }
.result-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin: 1.3rem 0; }
.result-tile { background: var(--surface); border: 1px solid var(--border-soft); border-radius: var(--radius); padding: 1rem; text-align: center; }
.result-tile .t-num { font-family: var(--font-display); font-weight: 700; font-size: 1.7rem; color: var(--text); }
.result-tile .t-num.accent { color: var(--gold-bright); }
.result-tile .t-lbl { font-size: .74rem; color: var(--text-mut); margin-top: .2rem; }
.traj { margin: 1.1rem 0 .4rem; }
.traj-top { display: flex; justify-content: space-between; font-size: .8rem; color: var(--text-soft); margin-bottom: .4rem; }
.traj-bar { height: 12px; border-radius: 999px; background: var(--bg-3); overflow: hidden; }
.traj-fill { height: 100%; border-radius: 999px; background: var(--grad-gold); width: 0; transition: width .5s var(--ease); }
.plan { margin-top: 1.3rem; }
.plan h4 { font-family: var(--font-display); font-weight: 700; font-size: 1.15rem; margin-bottom: .7rem; color: var(--text); }
.plan ul { display: grid; gap: .6rem; }
.plan li { display: flex; gap: .6rem; font-size: .88rem; color: var(--text-soft); }
.plan li svg { width: 17px; height: 17px; color: var(--gold); flex: none; margin-top: .15rem; }
.plan li b { color: var(--text); }
.calc-disclaimer { font-size: .76rem; color: var(--text-mut); margin-top: 1.1rem; }
.calc-follow { margin-top: 2.4rem; text-align: center; background: var(--bg-2); border: 1px solid var(--border-soft); border-radius: var(--radius-lg); padding: 2rem; }
.calc-follow h3 { font-family: var(--font-display); font-weight: 700; font-size: 1.6rem; }
.calc-follow p { color: var(--text-soft); max-width: 54ch; margin: .6rem auto 1.2rem; }
@media (max-width: 860px){ .calc, .calc-lede { grid-template-columns: 1fr; } .calc-controls { border-right: 0; border-bottom: 1px solid var(--border-soft); } }

/* ---------- Process ---------- */
.steps { margin-top: 2.8rem; display: grid; gap: 1rem; }
.step { display: grid; grid-template-columns: auto 1fr; gap: 1.3rem; align-items: start; background: var(--surface); border: 1px solid var(--border-soft); border-radius: var(--radius-lg); padding: 1.5rem 1.7rem; }
.step-num { font-family: var(--font-display); font-weight: 700; font-size: 1.6rem; width: 54px; height: 54px; border-radius: 50%; display: grid; place-items: center; background: var(--bg-3); color: var(--gold-bright); border: 1px solid var(--border); flex: none; }
.step h3 { font-family: var(--font-display); font-weight: 700; font-size: 1.35rem; margin-bottom: .3rem; }
.step p { color: var(--text-soft); font-size: .94rem; }

/* ---------- Pull quote ---------- */
.pull { padding-block: clamp(3rem, 7vw, 5rem); }
.pull blockquote { max-width: 900px; margin-inline: auto; text-align: center; font-family: var(--font-display); font-weight: 600; font-style: italic; font-size: clamp(1.6rem, 3.6vw, 2.5rem); line-height: 1.25; color: var(--text); }
.pull blockquote .hl { font-style: normal; }
.pull cite { display: block; margin-top: 1.2rem; font-family: var(--font-sans); font-style: normal; font-size: .85rem; letter-spacing: .16em; text-transform: uppercase; color: var(--gold); }

/* ---------- About ---------- */
.about-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: clamp(2rem, 5vw, 3.5rem); align-items: start; margin-top: 2.6rem; }
.about-portrait { position: sticky; top: calc(var(--sticky-h) + 1.5rem); }
.about-story p { color: var(--text-soft); margin-bottom: 1rem; }
.about-story p .hl { color: var(--gold-bright); font-weight: 600; }
.about-signoff { font-family: var(--font-display); font-style: italic; font-size: 1.35rem; color: var(--text); margin: 1.4rem 0; }
.help-box { margin-top: 1.6rem; background: var(--surface); border: 1px solid var(--border-soft); border-radius: var(--radius-lg); padding: 1.6rem; }
.help-box h4 { font-size: .74rem; letter-spacing: .16em; text-transform: uppercase; color: var(--gold); font-weight: 800; margin-bottom: 1rem; }
.help-box ul { display: grid; gap: .8rem; }
.help-box li { display: flex; gap: .7rem; font-size: .94rem; color: var(--text-soft); }
.help-box li svg { width: 20px; height: 20px; color: var(--gold); flex: none; margin-top: .1rem; }
.help-box li b { color: var(--text); }
@media (max-width: 820px){ .about-grid { grid-template-columns: 1fr; } .about-portrait { position: static; max-width: 360px; } }

/* ---------- Big CTA ---------- */
.cta-band { background: linear-gradient(160deg, var(--navy-800), var(--navy-deep)); border-block: 1px solid var(--border); text-align: center; }
:root[data-theme="light"] .cta-band { color: #F3EEE2; }
:root[data-theme="light"] .cta-band .eyebrow { color: var(--gold-soft); }
.cta-band h2 { font-family: var(--font-display); font-weight: 600; font-size: clamp(2.1rem, 4.5vw, 3.2rem); color: #fff; }
.cta-band .cta-sub { color: rgba(243,238,226,.78); max-width: 52ch; margin: 1rem auto 1.8rem; font-size: 1.08rem; }
.cta-actions { display: flex; flex-wrap: wrap; gap: .8rem; justify-content: center; }
.cta-actions .btn-outline { color: #F3EEE2; border-color: rgba(234,215,156,.3); }
.cta-actions .btn-outline:hover { border-color: var(--gold); color: var(--gold-bright); }

/* ---------- FAQ ---------- */
.faq-cats { display: flex; flex-wrap: wrap; gap: .5rem; margin-top: 2rem; margin-bottom: 2.2rem; }
.faq-cats a { padding: .5rem 1rem; border-radius: 999px; font-size: .84rem; font-weight: 600; background: var(--surface); border: 1px solid var(--border-soft); color: var(--text-soft); }
.faq-cats a:hover { border-color: var(--gold); color: var(--gold-bright); }
.faq-group { margin-bottom: 2.4rem; }
.faq-group h3 { font-family: var(--font-display); font-weight: 700; font-size: 1.5rem; margin-bottom: 1rem; padding-bottom: .6rem; border-bottom: 1px solid var(--border-soft); scroll-margin-top: calc(var(--sticky-h) + 20px); }
.faq-item { border: 1px solid var(--border-soft); border-radius: var(--radius); margin-bottom: .7rem; background: var(--surface); overflow: hidden; transition: border-color .2s var(--ease); }
.faq-item.open { border-color: var(--border); }
.faq-q { width: 100%; text-align: left; background: none; border: 0; padding: 1.1rem 1.3rem; display: flex; justify-content: space-between; gap: 1rem; align-items: center; font-weight: 700; font-size: 1.02rem; color: var(--text); }
.faq-q .chev { width: 20px; height: 20px; color: var(--gold); flex: none; transition: transform .25s var(--ease); }
.faq-item.open .chev { transform: rotate(180deg); }
.faq-a { overflow: hidden; max-height: 0; transition: max-height .35s var(--ease); }
.faq-item.open .faq-a { max-height: 1000px; }
.faq-a-inner { padding: 0 1.3rem 1.2rem; color: var(--text-soft); font-size: .95rem; }
.faq-a-inner p { margin-bottom: .7rem; }
.faq-a-inner b { color: var(--text); }
.faq-a-inner ul { display: grid; gap: .45rem; margin: .6rem 0; }
.faq-a-inner ul li { display: flex; gap: .55rem; font-size: .92rem; }
.faq-a-inner ul li::before { content: ""; width: 6px; height: 6px; border-radius: 50%; background: var(--gold); flex: none; margin-top: .5rem; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-deep); color: #C9D3E3; border-top: 1px solid var(--border); padding-block: 3.2rem 2rem; }
:root[data-theme="light"] .site-footer { color: #C9D3E3; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.2fr; gap: 2rem; }
.footer-brand .brand { margin-bottom: 1rem; }
.footer-brand .brand-name { color: #fff; }
.footer-brand p { color: #9FB0C7; font-size: .92rem; max-width: 38ch; }
.footer-social { display: flex; gap: .6rem; margin-top: 1.1rem; }
.footer-social a { width: 38px; height: 38px; border-radius: 50%; display: grid; place-items: center; background: rgba(255,255,255,.06); border: 1px solid var(--border); color: #C9D3E3; }
.footer-social a:hover { background: var(--gold); color: var(--navy-deep); border-color: var(--gold); }
.footer-social svg { width: 18px; height: 18px; }
.footer-col h4 { font-size: .72rem; letter-spacing: .16em; text-transform: uppercase; color: var(--gold-soft); font-weight: 800; margin-bottom: 1rem; }
.footer-col ul { display: grid; gap: .55rem; }
.footer-col a, .footer-col li { color: #9FB0C7; font-size: .92rem; }
.footer-col a:hover { color: #fff; }
.footer-contact .btn { margin-top: .6rem; }
.footer-disclosure { margin-top: 2.6rem; padding-top: 1.6rem; border-top: 1px solid rgba(255,255,255,.1); }
.footer-disclosure p { color: #8095AE; font-size: .78rem; line-height: 1.6; margin-bottom: .6rem; }
.footer-disclosure b { color: #C9D3E3; }
.footer-disclosure a { color: var(--gold-soft); }
.footer-bottom { margin-top: 1.4rem; padding-top: 1.2rem; border-top: 1px solid rgba(255,255,255,.1); display: flex; flex-wrap: wrap; justify-content: space-between; gap: .6rem; font-size: .82rem; color: #8095AE; }
.footer-bottom a { color: #9FB0C7; } .footer-bottom a:hover { color: #fff; }
@media (max-width: 860px){ .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px){ .footer-grid { grid-template-columns: 1fr; } }

/* ---------- Spotlight: hover a card → it glows brighter (no dimming, nothing to get stuck) ---------- */
.spotlight > * {
  position: relative; z-index: 0;
  transition: box-shadow .22s var(--ease), border-color .22s var(--ease), transform .22s var(--ease);
}
@media (hover: hover) and (pointer: fine) {
  .spotlight > *:hover {
    z-index: 2; border-color: var(--gold-bright);
    box-shadow: 0 0 0 1.5px var(--gold-bright), 0 0 34px rgba(232,201,103,.6), 0 22px 54px rgba(198,160,46,.5);
    transform: translateY(-5px);
  }
}

/* ---------- Sub-page hero ---------- */
.page-hero { padding-block: clamp(2.8rem, 6vw, 4.5rem) clamp(1.6rem, 3vw, 2.5rem); position: relative; overflow: hidden; }
.page-hero::before { content: ""; position: absolute; inset: 0; background: var(--hero-glow); pointer-events: none; z-index: -1; }
.breadcrumb { font-size: .82rem; color: var(--text-mut); margin-bottom: 1rem; letter-spacing: .02em; }
.breadcrumb a { color: var(--gold); }
.breadcrumb a:hover { color: var(--gold-bright); }
.page-hero h1 { font-family: var(--font-display); font-weight: 600; font-size: clamp(2.4rem, 5.4vw, 4rem); line-height: 1.04; }
.page-hero h1 .hl { font-style: italic; color: var(--gold-bright); }
.page-hero .lead { color: var(--text-soft); font-size: 1.14rem; margin-top: 1.1rem; max-width: 62ch; }
.nav-links a[aria-current="page"] { color: var(--gold-bright); }
.nav-links a[aria-current="page"]::after { content: ""; }

/* microcopy under a CTA (e.g. "quick 30-minute conversation") */
.cta-note { font-size: .86rem; color: var(--text-mut); margin-top: .9rem; display: inline-flex; align-items: center; gap: .45rem; }
.cta-note svg { width: 15px; height: 15px; color: var(--gold); }
.cta-band .cta-note { color: rgba(243,238,226,.6); justify-content: center; display: flex; }

/* ---------- Legal pages ---------- */
.legal-copy { max-width: 800px; margin-inline: auto; }
.legal-copy p { margin-bottom: 1rem; color: var(--text-soft); }
.legal-copy h2 { font-family: var(--font-display); font-weight: 700; font-size: 1.6rem; margin: 2rem 0 .7rem; color: var(--text); }
.legal-copy h3 { font-family: var(--font-display); font-weight: 700; font-size: 1.3rem; margin: 1.7rem 0 .5rem; color: var(--text); }
.legal-copy b { color: var(--text); }
.legal-copy ul { display: grid; gap: .5rem; margin: .6rem 0 1rem; }
.legal-copy ul li { display: flex; gap: .6rem; color: var(--text-soft); }
.legal-copy ul li::before { content: ""; width: 6px; height: 6px; border-radius: 50%; background: var(--gold); flex: none; margin-top: .55rem; }
.legal-updated { font-size: .85rem; color: var(--text-mut); font-style: italic; border-top: 1px solid var(--border-soft); padding-top: 1rem; margin-top: 1.8rem; }

/* ---------- Financial House (interactive) ---------- */
.house-tool { display: grid; grid-template-columns: .9fr 1.1fr; gap: 2.5rem; align-items: center; margin-top: 2.6rem; background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 2rem; box-shadow: var(--shadow-sm); }
.house-svg { width: 100%; max-width: 340px; margin: 0 auto; overflow: visible; }
.house-layer { fill: var(--bg-3); stroke: var(--border); stroke-width: 2; transition: fill .4s var(--ease), filter .4s var(--ease); }
.house-layer.on { fill: url(#houseGold); stroke: var(--gold-deep); filter: drop-shadow(0 0 10px rgba(198,160,46,.55)); }
.house-controls { display: grid; gap: .7rem; }
.house-switch { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: .85rem 1.1rem; border: 1px solid var(--border-soft); border-radius: 10px; background: var(--bg-2); cursor: pointer; }
.house-switch:hover { border-color: var(--border); }
.hs-label b { display: block; color: var(--text); font-size: 1rem; }
.hs-label span { font-size: .8rem; color: var(--text-mut); }
.switch { position: relative; width: 46px; height: 26px; flex: none; }
.switch input { position: absolute; opacity: 0; width: 100%; height: 100%; margin: 0; cursor: pointer; }
.switch .track { position: absolute; inset: 0; background: var(--bg-3); border: 1px solid var(--border); border-radius: 999px; transition: background .25s var(--ease); pointer-events: none; }
.switch .track::before { content: ""; position: absolute; width: 20px; height: 20px; left: 2px; top: 2px; background: #fff; border-radius: 50%; transition: transform .25s var(--ease); box-shadow: 0 1px 3px rgba(0,0,0,.4); }
.switch input:checked + .track { background: var(--grad-gold); border-color: transparent; }
.switch input:checked + .track::before { transform: translateX(20px); }
.house-readout { text-align: center; margin-top: .8rem; font-family: var(--font-display); font-size: 1.35rem; color: var(--text); }
.house-readout b { color: var(--gold-bright); }
.house-status { text-align: center; font-size: .9rem; color: var(--text-soft); margin-top: .3rem; }
@media (max-width: 780px){ .house-tool { grid-template-columns: 1fr; } }

/* ---------- Great Wealth Transfer visual ---------- */
.wt-hero { text-align: center; max-width: 780px; margin: 2.6rem auto 2.8rem; }
.wt-big {
  font-family: var(--font-display); font-weight: 700; font-size: clamp(4.5rem, 13vw, 9rem); line-height: .95;
  background: var(--grad-gold); -webkit-background-clip: text; background-clip: text;
  -webkit-text-fill-color: transparent; color: var(--gold-bright);
  filter: drop-shadow(0 6px 34px rgba(198,160,46,.4));
}
.wt-big .wt-unit {
  display: block; font-size: clamp(1.1rem, 3vw, 1.9rem); letter-spacing: .32em; text-transform: uppercase;
  -webkit-text-fill-color: var(--gold-soft); color: var(--gold-soft); margin-top: .45rem; filter: none;
}
.wt-sub { color: var(--text-soft); font-size: 1.14rem; margin-top: 1.6rem; }
.wt-sub b { color: var(--text); }

/* ---------- Follow the Money — 75-year timeline ---------- */
.ftm-lead { font-family: var(--font-display); font-weight: 600; font-size: clamp(1.35rem, 3vw, 2rem); line-height: 1.35; color: var(--text); text-align: center; max-width: 60ch; margin: 0 auto; }
.ftm-lead .hl { font-style: italic; }
.tl-scrollcue { text-align: center; margin-top: 1.8rem; color: var(--gold); font-size: .72rem; letter-spacing: .22em; text-transform: uppercase; font-weight: 800; }
.tl-scrollcue svg { display: block; margin: .5rem auto 0; width: 22px; height: 22px; animation: tlbob 1.6s ease-in-out infinite; }
@keyframes tlbob { 0%,100%{ transform: translateY(0);} 50%{ transform: translateY(7px);} }
.timeline { position: relative; max-width: 780px; margin: 2.4rem auto 0; padding-left: 44px; }
.timeline::before { content: ""; position: absolute; left: 8px; top: 6px; bottom: 12px; width: 2px; background: linear-gradient(180deg, var(--gold) 0%, var(--gold-deep) 72%, var(--border) 100%); }
.tl-item { position: relative; padding-bottom: 2.2rem; }
.tl-dot { position: absolute; left: -44px; top: 4px; width: 18px; height: 18px; border-radius: 50%; background: var(--bg-3); border: 3px solid var(--gold-deep); z-index: 2; transition: background .45s var(--ease), box-shadow .45s var(--ease); }
.tl-item.in .tl-dot { background: var(--grad-gold); box-shadow: 0 0 0 6px rgba(198,160,46,.16); }
.tl-card { background: var(--surface); border: 1px solid var(--border-soft); border-radius: var(--radius-lg); padding: 1.5rem 1.7rem; transition: border-color .25s var(--ease), box-shadow .25s var(--ease), transform .25s var(--ease); }
@media (hover: hover) and (pointer: fine) {
  .tl-card:hover { border-color: var(--gold-bright); box-shadow: 0 0 0 1.5px var(--gold-bright), 0 0 34px rgba(232,201,103,.6), 0 22px 54px rgba(198,160,46,.5); transform: translateY(-4px); }
}
.tl-head { display: flex; align-items: baseline; gap: .8rem; flex-wrap: wrap; }
.tl-decade { font-family: var(--font-display); font-weight: 700; font-size: 2rem; color: var(--gold-bright); line-height: 1; }
.tl-ages { font-size: .76rem; color: var(--text-soft); background: var(--bg-3); padding: .22rem .7rem; border-radius: 999px; }
.tl-eyebrow { font-size: .66rem; letter-spacing: .16em; text-transform: uppercase; color: var(--gold); font-weight: 800; margin-top: .7rem; }
.tl-card h3 { font-family: var(--font-display); font-weight: 700; font-size: 1.35rem; margin: .3rem 0 .6rem; }
.tl-body { color: var(--text-soft); font-size: .94rem; }
.tl-foot { display: flex; align-items: center; gap: 1.2rem; margin-top: 1.1rem; padding-top: 1.1rem; border-top: 1px solid var(--border-soft); flex-wrap: wrap; }
.tl-stat { flex: none; }
.tl-stat b { font-family: var(--font-display); font-weight: 700; font-size: 1.9rem; color: var(--gold-bright); display: block; line-height: 1; }
.tl-stat span { font-size: .66rem; text-transform: uppercase; letter-spacing: .08em; color: var(--text-mut); }
.tl-caption { font-family: var(--font-display); font-style: italic; font-size: 1.05rem; color: var(--text); }
.tl-item.tl-finale .tl-card { border-color: var(--gold-bright); box-shadow: 0 0 0 1.5px var(--gold-bright), 0 0 36px rgba(232,201,103,.6), 0 22px 54px rgba(198,160,46,.5); }
.ftm-tagline { text-align: center; font-family: var(--font-display); font-weight: 700; font-size: clamp(1.6rem, 4vw, 2.6rem); color: var(--text); margin: 2.6rem auto 1.6rem; }
@media (max-width: 560px){ .timeline { padding-left: 34px; } .timeline::before { left: 7px; } .tl-dot { left: -34px; width: 16px; height: 16px; } }

/* ---------- Photo slots (drop a JPG into assets/photos/ and it auto-fills) ---------- */
.photo { position: relative; border-radius: 14px; overflow: hidden; border: 1px solid var(--border); background: linear-gradient(160deg, var(--bg-3), var(--bg-2)); }
.photo::after {
  content: "◈  " attr(data-label); position: absolute; inset: 0; z-index: 0;
  display: grid; place-content: center; text-align: center; padding: 1.1rem;
  color: var(--text-mut); font-size: .76rem; letter-spacing: .06em; text-transform: uppercase; line-height: 1.6;
}
.photo img { position: relative; z-index: 1; width: 100%; height: 100%; object-fit: cover; display: block; }
.people-band { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.1rem; margin-top: 2.6rem; }
.people-band figure { margin: 0; }
.people-band .photo { aspect-ratio: 4/5; }
.people-band figure { display: flex; flex-direction: column; }
.people-band figcaption { text-align: center; margin-top: -1.4rem; margin-inline: .55rem; position: relative; z-index: 2; background: #FFFFFF; border: 1px solid rgba(20,36,63,.09); border-radius: 12px; padding: .85rem 1rem .9rem; box-shadow: 0 12px 28px rgba(5,12,24,.30); font-weight: 700; color: #14243F; font-size: 1rem; }
.people-band figcaption span { display: block; font-weight: 400; color: rgba(28,37,54,.6); font-size: .82rem; margin-top: .2rem; }
@media (max-width: 820px){ .people-band { grid-template-columns: repeat(2, 1fr); } }

/* ---------- Utilities ---------- */
.skip-link { position: absolute; left: -999px; top: 0; background: var(--gold); color: var(--navy-deep); padding: .6rem 1rem; z-index: 100; border-radius: 0 0 8px 0; font-weight: 700; }
.skip-link:focus { left: 0; }
.center { text-align: center; }
.mt-2 { margin-top: 1.4rem; }


/* About — Hours & Availability bubble (standard light card in both themes) */
.hours-card { max-width: 760px; margin-inline: auto; text-align: center; background: #FFFFFF; border: 1px solid rgba(20,36,63,.09); border-radius: 16px; padding: clamp(1.7rem, 4vw, 2.6rem); box-shadow: 0 18px 44px rgba(5,12,24,.28); color: #14243F; }
.hours-card .eyebrow { color: var(--gold-deep); }
.hours-card h2 { color: #14243F; margin: .5rem 0 1.1rem; }
.hours-ico { width: 56px; height: 56px; margin: 0 auto 1.1rem; border-radius: 50%; display: grid; place-items: center; background: var(--grad-gold); color: #1a1400; }
.hours-ico svg { width: 28px; height: 28px; }
.hours-line { font-size: 1.08rem; color: #14243F; }
.hours-line b { color: #14243F; }
.hours-alt { color: rgba(28,37,54,.72); margin: .7rem auto 0; max-width: 56ch; }
.hours-card .btn-gold { margin-top: 1.7rem; color: #1a1400; }


/* ============================================================
   Opportunity path CTAs + lead-funnel modal
   ============================================================ */
/* Per-path CTA that replaces the old "Best for" line on each card */
.tool-card:has(.tool-cta) .tool-desc { margin-bottom: 1.4rem; }
.tool-cta {
  margin-top: auto; width: 100%; white-space: normal; text-align: center;
  padding: .78rem 1rem; font-size: .9rem; line-height: 1.25;
}

/* Modal shell */
body.modal-open { overflow: hidden; }
.lead-modal {
  position: fixed; inset: 0; z-index: 200; display: flex; align-items: center; justify-content: center;
  padding: 1.2rem; visibility: hidden; opacity: 0; pointer-events: none;
  transition: opacity .25s var(--ease), visibility .25s var(--ease);
}
.lead-modal.open { visibility: visible; opacity: 1; pointer-events: auto; }
.lead-modal__overlay { position: absolute; inset: 0; background: rgba(6,12,24,.66); -webkit-backdrop-filter: blur(3px); backdrop-filter: blur(3px); }
.lead-modal__panel {
  position: relative; width: min(560px, 100%); max-height: calc(100dvh - 2.4rem); overflow-y: auto;
  background: var(--navy-deep); color: #F3EEE2; border: 1px solid rgba(234,215,156,.22);
  border-radius: 20px; box-shadow: 0 30px 80px rgba(3,8,18,.6); padding: clamp(1.5rem, 4vw, 2.4rem);
  transform: translateY(14px) scale(.985); opacity: 0; transition: transform .3s var(--ease), opacity .3s var(--ease);
}
.lead-modal.open .lead-modal__panel { transform: none; opacity: 1; }
.lead-modal__close {
  position: absolute; top: .9rem; right: .9rem; width: 38px; height: 38px; border-radius: 50%;
  border: 1px solid rgba(234,215,156,.24); background: rgba(255,255,255,.04); color: #F3EEE2;
  display: grid; place-items: center; cursor: pointer; transition: border-color .2s var(--ease), color .2s var(--ease);
}
.lead-modal__close svg { width: 18px; height: 18px; }
.lead-modal__close:hover { border-color: var(--gold); color: var(--gold-bright); }
.lead-modal .eyebrow { color: var(--gold-bright); }
.lead-modal__title { font-family: var(--font-display); font-size: clamp(1.6rem, 4vw, 2rem); font-weight: 700; line-height: 1.1; margin: .3rem 0 .5rem; color: #F7F2E6; }
.lead-modal__sub { color: rgba(243,238,226,.72); font-size: .95rem; line-height: 1.55; margin-bottom: 1.3rem; }

/* Path selector chips */
.lead-paths { display: grid; grid-template-columns: repeat(2, 1fr); gap: .6rem; margin-bottom: 1.4rem; }
.lead-path { border: 1px solid rgba(234,215,156,.2); background: rgba(255,255,255,.03); color: #F3EEE2; border-radius: 12px; padding: .7rem .85rem; cursor: pointer; text-align: left; font: inherit; transition: border-color .18s var(--ease), background .18s var(--ease); }
.lead-path b { display: block; font-size: .92rem; font-weight: 700; }
.lead-path span { font-size: .76rem; color: rgba(243,238,226,.6); }
.lead-path:hover { border-color: rgba(234,215,156,.5); }
.lead-path.active { border-color: var(--gold); background: linear-gradient(135deg, rgba(198,160,46,.2), rgba(198,160,46,.05)); box-shadow: inset 0 0 0 1px var(--gold); }
.lead-path.active span { color: rgba(243,238,226,.8); }

/* Form fields */
.lead-form { display: grid; gap: .9rem; }
.lead-field label { display: block; font-size: .72rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: rgba(243,238,226,.6); margin-bottom: .35rem; }
.lead-field input, .lead-field textarea {
  width: 100%; background: rgba(255,255,255,.05); border: 1px solid rgba(234,215,156,.2); border-radius: 10px;
  color: #F3EEE2; font: inherit; font-size: .95rem; padding: .72rem .85rem;
  transition: border-color .18s var(--ease), background .18s var(--ease);
}
.lead-field input::placeholder, .lead-field textarea::placeholder { color: rgba(243,238,226,.38); }
.lead-field input:focus, .lead-field textarea:focus { outline: none; border-color: var(--gold); background: rgba(255,255,255,.08); }
.lead-field textarea { min-height: 90px; resize: vertical; }
.lead-form .btn { width: 100%; margin-top: .4rem; }
.lead-hp { position: absolute; left: -9999px; width: 1px; height: 1px; opacity: 0; }
.lead-error { display: none; color: #FFB4A8; font-size: .85rem; margin: -.2rem 0 0; }
.lead-fineprint { font-size: .72rem; color: rgba(243,238,226,.5); line-height: 1.5; text-align: center; margin-top: .9rem; }
.lead-fineprint a { color: rgba(243,238,226,.72); text-decoration: underline; }

/* Success state */
.lead-success { display: none; text-align: center; padding: .5rem 0; }
.lead-modal.sent .lead-form-wrap { display: none; }
.lead-modal.sent .lead-success { display: block; }
.lead-success__ico { width: 64px; height: 64px; margin: 0 auto 1.1rem; border-radius: 50%; background: var(--grad-gold); color: #1a1400; display: grid; place-items: center; }
.lead-success__ico svg { width: 32px; height: 32px; }

@media (max-width: 460px){ .lead-paths { grid-template-columns: 1fr; } }


/* ============================================================
   Readability pass — larger text sitewide, smaller photos
   ============================================================ */
/* Scale every rem-based size up (bumps body, nav, footer, cards, headings) */
html { font-size: 112.5%; }
body { font-size: 1.06rem; }
.nav-links a { font-size: .95rem; }
.footer-col a, .footer-col li, .footer-brand p { font-size: .98rem; }
.section-head p { font-size: 1.14rem; }
.hero-lead { font-size: 1.24rem; }

/* Shrink the hero + about portraits and give the copy more room (desktop only) */
@media (min-width: 861px){
  .hero-inner { grid-template-columns: 1.32fr .68fr; }
  .hero-portrait { max-width: 380px; width: 100%; margin-inline: auto; }
}
@media (min-width: 821px){
  .about-grid { grid-template-columns: .76fr 1.24fr; }
  .about-portrait { max-width: 360px; }
}
/* Smaller "Who We Serve" photos */
.people-band { max-width: 1060px; margin-inline: auto; }
.people-band .photo { aspect-ratio: 1 / 1; }

/* FAQ intro as a header row: heading left, CTA on the right */
.faq-cta-row { display: flex; align-items: center; justify-content: space-between; gap: clamp(1.5rem, 4vw, 3rem); flex-wrap: wrap; }
.faq-cta-row .section-head { flex: 1 1 440px; }
.faq-cta-row .faq-cta-btn { flex: none; }
@media (max-width: 640px){ .faq-cta-row .faq-cta-btn { width: 100%; justify-content: center; } }


/* ============================================================
   Client revision pass — sizing, spacing, layout
   ============================================================ */
/* Anchor portraits so images scroll with the page (no sticky "float") */
.about-portrait { position: static; top: auto; }

/* "Who We Serve" caption bubbles — uniform height */
.people-band figcaption { min-height: 6.6rem; display: flex; flex-direction: column; justify-content: center; }

/* Larger reassurance line above "Who We Serve" */
.matters-reassure { font-size: 1.6rem; }

/* FAQ intro CTA — centered in the space to the right of the heading */
.faq-cta-row { justify-content: flex-start; }
.faq-cta-row .section-head { flex: 0 1 560px; }
.faq-cta-row .faq-cta-wrap { flex: 1 1 300px; display: flex; justify-content: center; }

/* Footer social logos — larger, lowered, room above */
.footer-social { margin-top: 2.1rem; gap: .85rem; }
.footer-social a { width: 54px; height: 54px; }
.footer-social svg { width: 26px; height: 26px; }

/* Financial House readout + hint larger */
.house-readout { font-size: 1.65rem; }
.house-status { font-size: 1.14rem; }

/* Larger sub-page intros (incl. D.I.M.E.) */
.page-hero .lead { font-size: 1.24rem; }

/* D.I.M.E. "How the need divides" larger; push note away from the CTA */
.plan h4 { font-size: 1.4rem; }
.plan li { font-size: 1.06rem; }
.center .cta-note { margin-left: clamp(1.5rem, 5vw, 3.5rem); }

/* Opportunity page — enlarge circled paragraphs + space sections from cards */
.wt-sub { font-size: 1.32rem; }
#follow-the-money .section-head p { font-size: 1.3rem; }
#why-now .section-head p { font-size: 1.3rem; }
#paths .section-head p { font-size: 1.3rem; }
#why-now .grid, #why-build .grid { margin-top: 2.8rem; }
.help-box li { font-size: 1.06rem; }

/* F.I.N.N. homepage — Simple Formula beside the copy */
.finn-split { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(2rem, 5vw, 4rem); align-items: center; margin-top: 2.6rem; }
.finn-split .section-head { margin: 0; }
.finn-split .formula { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: clamp(1.6rem, 3vw, 2.2rem); box-shadow: var(--shadow-sm); }
.finn-split .formula .f-title { font-size: .74rem; letter-spacing: .16em; text-transform: uppercase; color: var(--gold); font-weight: 800; }
.finn-split .formula .f-eq { font-family: var(--font-display); font-size: 1.55rem; color: var(--text); margin: .6rem 0; }
.finn-split .formula .f-eq .hl { color: var(--gold-bright); font-style: italic; }
@media (max-width: 820px){ .finn-split { grid-template-columns: 1fr; } }