/* PFG build 2026-06-10e — garnet, icon fix, nav phone hidden, Osaic highlighted white, Advantage text */
/* ==========================================================================
   Platinum Financial Group — site stylesheet
   Brand: red #EE2B23 · gray #999999 · ink #111111
   Type: Fraunces (display) · Mulish (body)
   ========================================================================== */

:root {
  --paper:      #ffffff;
  --paper-2:    #faf7f2;
  --card:       #ffffff;

  --ink:        #33333a;   /* primary text (dark grey, less black) */
  --ink-soft:   #50505a;   /* secondary text */
  --muted:      #8a8d93;   /* tertiary / captions */

  --red:        #6e1b2d;   /* GARNET — primary accent: buttons, links, icons */
  --red-deep:   #561320;   /* deeper garnet — button hovers */
  --graphite:   #272320;   /* filled primary buttons (warm near-black) */
  --graphite-2: #3a332b;   /* button hover */

  --charcoal:   #2b2a30;   /* dark slate-grey — footer / topbar (less black) */
  --charcoal-2: #38373f;
  --gold:       #b08a46;   /* GOLD — eyebrows, rules, flourishes */
  --gold-soft:  #d8c08a;   /* light gold for gradients */
  --platinum:   #c9ccd2;   /* silver / platinum tone */

  --line:       rgba(24,20,15,0.12);
  --line-soft:  rgba(24,20,15,0.07);
  --line-dark:  rgba(255,255,255,0.14);

  --maxw: 1200px;
  --gutter: clamp(20px, 5vw, 64px);
  --radius: 4px;
  --radius-lg: 8px;

  --shadow:    0 1px 2px rgba(24,20,15,.05), 0 8px 24px rgba(24,20,15,.06);
  --shadow-lg: 0 2px 6px rgba(24,20,15,.08), 0 24px 60px rgba(24,20,15,.12);

  --ease: cubic-bezier(.2,.7,.2,1);

  --font-display: "Fraunces", Georgia, "Times New Roman", serif;
  --font-body: "Mulish", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

/* ---------- reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.7;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; }
ul { list-style: none; padding: 0; }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 460;
  line-height: 1.08;
  letter-spacing: -0.01em;
  font-optical-sizing: auto;
}

::selection { background: var(--red); color: #fff; }
:focus-visible { outline: 2px solid var(--red); outline-offset: 3px; border-radius: 2px; }

/* ---------- layout helpers ---------- */
.wrap { max-width: var(--maxw); margin-inline: auto; padding-inline: var(--gutter); }
.section { padding-block: clamp(64px, 9vw, 132px); }
.eyebrow {
  font-family: var(--font-body);
  font-weight: 800;
  font-size: 12.5px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  display: inline-flex;
  align-items: center;
  gap: 10px;
}
.eyebrow::before {
  content: ""; width: 26px; height: 1.5px; background: var(--gold); display: inline-block;
}
.lead { font-size: clamp(18px, 2.1vw, 21px); color: var(--ink-soft); line-height: 1.6; }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 14px 26px;
  font-weight: 800; font-size: 15px; letter-spacing: 0.01em;
  border-radius: var(--radius); border: 1.5px solid transparent;
  transition: transform .25s var(--ease), background .25s var(--ease), color .25s var(--ease), border-color .25s var(--ease);
}
.btn:hover { transform: translateY(-2px); }
.btn-red { background: var(--red); color: #fff; }
.btn-red:hover { background: var(--red-deep); }
.hero .btn-red { background: var(--red); }
.hero .btn-red:hover { background: var(--red-deep); }
.btn-ghost { border-color: currentColor; color: var(--ink); }
.btn-ghost:hover { background: var(--ink); color: var(--paper); border-color: var(--ink); }
.btn-ghost-light { border-color: rgba(255,255,255,.4); color: #fff; }
.btn-ghost-light:hover { background: #fff; color: var(--charcoal); border-color: #fff; }
.btn-arrow svg { transition: transform .25s var(--ease); }
.btn-arrow:hover svg { transform: translateX(4px); }

/* ==========================================================================
   Header
   ========================================================================== */
.topbar {
  background: var(--charcoal);
  color: rgba(255,255,255,.78);
  font-size: 13px;
  border-bottom: 1px solid var(--line-dark);
}
.topbar .wrap { display: flex; justify-content: space-between; align-items: center; gap: 16px; min-height: 40px; }
.topbar a { color: rgba(255,255,255,.85); transition: color .2s; }
.topbar a:hover { color: #fff; }
.topbar-modes { letter-spacing: .04em; }
.topbar-modes strong { color: var(--gold); font-weight: 800; }
.topbar-right { display: flex; gap: 22px; align-items: center; }
@media (max-width: 760px) { .topbar-modes { display: none; } .topbar .wrap { justify-content: center; } }

.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(247,244,239,.85);
  backdrop-filter: saturate(1.4) blur(10px);
  border-bottom: 1px solid var(--line);
  transition: box-shadow .3s var(--ease), background .3s var(--ease);
}
.site-header.scrolled { box-shadow: 0 6px 24px rgba(24,20,15,.08); background: rgba(247,244,239,.96); }
.nav { display: flex; align-items: center; justify-content: space-between; gap: 24px; min-height: 78px; }
.brand img { height: 46px; width: auto; }

.nav-links { display: flex; align-items: center; gap: 4px; }
.nav-item { position: relative; }
.nav-item > a {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 10px 14px; font-weight: 700; font-size: 15px; color: var(--ink);
  border-radius: var(--radius); transition: color .2s;
}
.nav-item > a .caret { width: 9px; height: 9px; opacity: .5; transition: transform .25s var(--ease); }
.nav-item > a::after {
  content: ""; position: absolute; left: 14px; right: 14px; bottom: 6px; height: 2px;
  background: var(--red); transform: scaleX(0); transform-origin: left; transition: transform .28s var(--ease);
}
.nav-item:hover > a { color: var(--red); }
.nav-item:hover > a::after { transform: scaleX(1); }
.nav-item.has-menu:hover > a .caret { transform: rotate(180deg); }

/* dropdowns */
.submenu {
  position: absolute; top: calc(100% + 2px); left: 50%; transform: translateX(-50%) translateY(8px);
  min-width: 230px; background: var(--paper-2); border: 1px solid var(--line);
  border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); padding: 8px;
  opacity: 0; visibility: hidden; transition: opacity .22s var(--ease), transform .22s var(--ease);
}
.nav-item.has-menu:hover .submenu { opacity: 1; visibility: visible; transform: translateX(-50%) translateY(0); }
.submenu a {
  display: block; padding: 9px 14px; font-size: 14.5px; font-weight: 600; color: var(--ink-soft);
  border-radius: var(--radius); transition: background .18s, color .18s;
}
.submenu a:hover { background: var(--paper); color: var(--red); }
.submenu .sub-feature { color: var(--ink); font-weight: 800; }

.nav-cta { display: flex; align-items: center; gap: 14px; }
.nav-cta .btn { white-space: nowrap; }
.nav-phone { display: none; font-weight: 800; font-size: 15px; color: var(--ink); white-space: nowrap; }
.nav-phone span { display: block; font-size: 11px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); }

.nav-toggle { display: none; flex-direction: column; gap: 5px; padding: 10px; background: none; border: 0; }
.nav-toggle span { width: 24px; height: 2px; background: var(--ink); transition: transform .3s var(--ease), opacity .2s; }

@media (max-width: 1080px) {
  .nav-links, .nav-cta .nav-phone, .nav-cta .btn { display: none; }
  .nav-toggle { display: flex; }
}

/* mobile drawer */
.mobile-nav {
  position: fixed; inset: 0 0 0 auto; width: min(88vw, 380px); z-index: 60;
  background: var(--paper-2); box-shadow: var(--shadow-lg);
  transform: translateX(100%); transition: transform .35s var(--ease);
  display: flex; flex-direction: column; padding: 22px; overflow-y: auto;
}
.mobile-nav.open { transform: translateX(0); }
.mobile-nav .m-close { align-self: flex-end; background: none; border: 0; font-size: 26px; line-height: 1; color: var(--ink); padding: 6px 10px; }
.mobile-nav h4 { font-family: var(--font-body); font-size: 12px; letter-spacing: .16em; text-transform: uppercase; color: var(--muted); margin: 18px 0 6px; font-weight: 800; }
.mobile-nav a { display: block; padding: 11px 8px; font-weight: 700; font-size: 17px; border-bottom: 1px solid var(--line-soft); }
.mobile-nav a.m-sub { font-weight: 600; font-size: 15.5px; color: var(--ink-soft); padding-left: 18px; }
.mobile-nav .btn { margin-top: 22px; justify-content: center; }
.scrim { position: fixed; inset: 0; background: rgba(24,20,15,.45); opacity: 0; visibility: hidden; transition: opacity .3s; z-index: 55; }
.scrim.show { opacity: 1; visibility: visible; }

/* ==========================================================================
   Hero
   ========================================================================== */
.hero {
  position: relative; overflow: hidden; isolation: isolate;
  background: var(--paper-2);
  color: var(--ink);
  padding-block: clamp(80px, 12vw, 160px);
}
/* optional background photo — drop a file at assets/img/hero.jpg; falls back to dark if absent */
.hero-photo {
  position: absolute; inset: 0; width: 100%; height: 100%;
  object-fit: cover; object-position: center; z-index: 0;
}
.hero::before { /* subtle warm glow on the light hero */
  content: ""; position: absolute; inset: 0; z-index: 1;
  background: radial-gradient(120% 120% at 88% 8%, rgba(176,138,70,.10), transparent 58%);
}
.hero-lion {
  position: absolute; right: -3%; top: 50%; transform: translateY(-50%);
  width: clamp(360px, 46vw, 760px); opacity: .06; pointer-events: none; z-index: 2;
  filter: grayscale(1);
}
.hero .wrap { position: relative; z-index: 3; }
.hero-inner { max-width: 720px; }
.hero h1 {
  font-size: clamp(40px, 6.4vw, 78px); font-weight: 420; letter-spacing: -0.02em; line-height: 1.02;
  margin-top: 22px;
}
.hero h1 em { font-style: italic; color: var(--ink); }
.hero h1 .accent { color: var(--red); font-style: italic; }
.hero-tag {
  font-family: var(--font-display); font-style: italic; font-size: clamp(19px, 2.4vw, 26px);
  color: var(--red); margin-top: 18px;
}
.hero p.lead { color: var(--ink-soft); margin-top: 22px; max-width: 560px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 36px; }
.hero .eyebrow { color: var(--gold); }
.hero .eyebrow::before { background: var(--gold); }
/* split hero with side photo */
.hero--split .hero-grid { display: grid; grid-template-columns: 1.08fr .92fr; gap: clamp(28px, 5vw, 64px); align-items: center; }
.hero--split .hero-inner { max-width: none; }
.hero-figure { margin: 0; border-radius: var(--radius-lg); overflow: hidden; border: 1px solid var(--line); box-shadow: var(--shadow); background: var(--paper-2); }
.hero-figure img { display: block; width: 100%; height: 100%; aspect-ratio: 4 / 3; object-fit: cover; object-position: center; }
@media (max-width: 880px) { .hero--split .hero-grid { grid-template-columns: 1fr; } }

/* staggered reveal on load */
.js .reveal-load > * { opacity: 0; transform: translateY(18px); animation: rise .8s var(--ease) forwards; }
.reveal-load > *:nth-child(1) { animation-delay: .05s; }
.reveal-load > *:nth-child(2) { animation-delay: .15s; }
.reveal-load > *:nth-child(3) { animation-delay: .25s; }
.reveal-load > *:nth-child(4) { animation-delay: .35s; }
.reveal-load > *:nth-child(5) { animation-delay: .45s; }
@keyframes rise { to { opacity: 1; transform: none; } }

/* ==========================================================================
   Stat strip
   ========================================================================== */
.stats { background: var(--paper-2); border-bottom: 1px solid var(--line); }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.stat { padding: clamp(28px, 4vw, 48px) clamp(16px,2.5vw,32px); text-align: center; border-right: 1px solid var(--line); }
.stat:last-child { border-right: 0; }
.stat .num { font-family: var(--font-display); font-size: clamp(34px, 4.4vw, 52px); font-weight: 480; color: var(--ink); line-height: 1; }
.stat .num .unit { color: var(--red); }
.stat .label { font-size: 14px; color: var(--ink-soft); margin-top: 12px; font-weight: 600; }
@media (max-width: 760px) {
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .stat:nth-child(2) { border-right: 0; }
  .stat:nth-child(1), .stat:nth-child(2) { border-bottom: 1px solid var(--line); }
}

/* ==========================================================================
   Section primitives
   ========================================================================== */
.section-head { max-width: 680px; margin-bottom: clamp(40px, 5vw, 64px); }
.section-head h2 { font-size: clamp(30px, 4.4vw, 50px); margin-top: 18px; }
.section-head p { margin-top: 18px; }
.section-head.center { margin-inline: auto; text-align: center; }
.section-head.center .eyebrow { justify-content: center; }

/* Retirement flagship */
.flagship { background: var(--paper); position: relative; }
.flagship-grid { display: grid; grid-template-columns: 1.05fr 1fr; gap: clamp(32px, 5vw, 72px); align-items: center; }
.flagship-card-stack { display: grid; gap: 18px; }
.rcard {
  display: flex; gap: 20px; padding: 26px 28px; background: var(--card); border: 1px solid var(--line);
  border-radius: var(--radius-lg); box-shadow: var(--shadow); transition: transform .3s var(--ease), box-shadow .3s var(--ease), border-color .3s;
  text-decoration: none;
}
.rcard:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: rgba(110,27,45,.3); }
.rcard .ic { flex: none; width: 42px; height: 42px; border-radius: 50%; background: rgba(110,27,45,.08); color: var(--red); display: grid; place-items: center; }
.rcard .ic svg { width: 20px; height: 20px; }
.rcard h3 { font-family: var(--font-body); font-weight: 800; font-size: 18px; letter-spacing: 0; display: flex; align-items: center; gap: 8px; }
.rcard p { font-size: 15px; color: var(--ink-soft); margin-top: 6px; line-height: 1.55; }
.rcard .go { color: var(--red); font-weight: 800; font-size: 14px; margin-top: 10px; display: inline-flex; gap: 6px; align-items: center; }
@media (max-width: 880px) { .flagship-grid { grid-template-columns: 1fr; } }
/* flagship supporting photo + cards row */
.flagship-photo { margin: 0; border-radius: var(--radius-lg); overflow: hidden; border: 1px solid var(--line); box-shadow: var(--shadow); background: var(--paper-2); }
.flagship-photo img { display: block; width: 100%; height: 100%; aspect-ratio: 5 / 6; object-fit: cover; }
.flagship-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-top: clamp(28px, 4vw, 46px); }
@media (max-width: 880px) { .flagship-cards { grid-template-columns: 1fr; } }

/* Services grid */
.svc-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.svc {
  background: var(--card); border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 30px 28px 26px; transition: transform .3s var(--ease), box-shadow .3s var(--ease);
  position: relative; overflow: hidden;
}
.svc::after { content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 3px; background: var(--red); transform: scaleY(0); transform-origin: top; transition: transform .3s var(--ease); }
.svc:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.svc:hover::after { transform: scaleY(1); }
.svc .ic { display: block; width: 34px; height: 34px; color: var(--red); margin-bottom: 18px; }
.svc .ic svg { width: 100%; height: 100%; }
.svc h3 { font-family: var(--font-body); font-weight: 800; font-size: 17px; }
.svc p { font-size: 14.5px; color: var(--ink-soft); margin-top: 8px; line-height: 1.55; }
@media (max-width: 880px) { .svc-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .svc-grid { grid-template-columns: 1fr; } }

/* Advantage */
.advantage { background: var(--paper-2); color: var(--ink); position: relative; overflow: hidden; }
.advantage .eyebrow { color: var(--gold); }
.advantage .section-head h2 { color: var(--ink); }
.adv-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 2px; background: var(--line); border: 1px solid var(--line); border-radius: var(--radius-lg); overflow: hidden; }
.adv {
  background: var(--card); padding: 34px 34px; transition: background .3s;
}
.adv:hover { background: var(--paper-2); }
.adv .n { font-family: var(--font-display); font-size: 15px; color: var(--red); font-weight: 600; }
.adv h3 { font-family: var(--font-body); font-weight: 800; font-size: 19px; margin-top: 12px; color: var(--ink); }
.adv p { color: var(--ink-soft); font-size: 15px; margin-top: 10px; }
@media (max-width: 760px) { .adv-grid { grid-template-columns: 1fr; } }

/* Team teaser */
.team { background: var(--paper-2); }
.team-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.member { text-align: left; }
.member .photo {
  aspect-ratio: 4/5; border-radius: var(--radius-lg); overflow: hidden; background: var(--paper);
  border: 1px solid var(--line); position: relative;
}
.member .photo img { width: 100%; height: 100%; object-fit: cover; object-position: top center; transition: transform .6s var(--ease); filter: grayscale(.15); }
.member:hover .photo img { transform: scale(1.04); filter: grayscale(0); }
.member .photo::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 4px; background: var(--red); }
.member h3 { font-family: var(--font-body); font-weight: 800; font-size: 19px; margin-top: 18px; }
.member .role { color: var(--red); font-weight: 700; font-size: 13.5px; letter-spacing: .04em; text-transform: uppercase; margin-top: 4px; }
.member .creds { color: var(--muted); font-size: 14px; margin-top: 6px; }
@media (max-width: 760px) { .team-grid { grid-template-columns: 1fr; max-width: 360px; margin-inline: auto; } }

/* CTA band */
.cta-band { background: var(--red); color: #fff; text-align: center; }
.cta-band h2 { font-size: clamp(30px, 4.4vw, 52px); color: #fff; max-width: 760px; margin-inline: auto; }
.cta-band h2::before { content: ""; display: block; width: 54px; height: 3px; background: var(--gold); border-radius: 2px; margin: 0 auto 20px; }
.cta-band p { color: rgba(255,255,255,.9); margin-top: 16px; font-size: 18px; }
.cta-band .hero-actions { justify-content: center; margin-top: 32px; }
.cta-band .btn-ghost-light:hover { color: var(--red); }

/* reveal on scroll */
.js .reveal { opacity: 0; transform: translateY(28px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.js .reveal.in { opacity: 1; transform: none; }

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer { background: var(--charcoal); color: rgba(255,255,255,.7); font-size: 14.5px; }
.footer-top { padding-block: clamp(56px, 7vw, 84px); border-bottom: 1px solid var(--line-dark); }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: clamp(28px, 4vw, 56px); }
.footer-brand img { height: 52px; margin-bottom: 20px; }
.footer-brand p { font-size: 14px; line-height: 1.6; color: rgba(255,255,255,.6); max-width: 280px; }
.footer-col h4 { font-family: var(--font-body); color: #fff; font-size: 13px; letter-spacing: .14em; text-transform: uppercase; font-weight: 800; margin-bottom: 16px; }
.footer-col a { display: block; padding: 5px 0; color: rgba(255,255,255,.7); transition: color .2s; }
.footer-col a:hover { color: var(--gold); }
.advisor-line { padding: 7px 0; border-bottom: 1px solid var(--line-dark); }
.advisor-line strong { color: #fff; font-weight: 700; display: block; font-size: 14.5px; }
.advisor-line a { display: inline; padding: 0; font-size: 13.5px; }
.subscribe input {
  width: 100%; padding: 12px 14px; background: rgba(255,255,255,.06); border: 1px solid var(--line-dark);
  border-radius: var(--radius); color: #fff; font: inherit; font-size: 14px; margin-bottom: 10px;
}
.subscribe input::placeholder { color: rgba(255,255,255,.45); }
.subscribe .btn { width: 100%; justify-content: center; }
.footer-meta { padding-block: 30px; font-size: 12.5px; line-height: 1.7; color: rgba(255,255,255,.5); }
.footer-meta p { margin-bottom: 12px; }
.footer-meta a { color: rgba(255,255,255,.7); text-decoration: underline; text-underline-offset: 2px; }
.footer-meta a:hover { color: var(--gold); }
.footer-meta strong { color: #fff; font-weight: 700; }
.footer-legal-links { display: flex; flex-wrap: wrap; gap: 10px 22px; margin-bottom: 20px; }
.footer-legal-links a { font-weight: 700; color: #fff; text-decoration: none; font-size: 13px; }
.footer-legal-links a:hover { color: var(--gold); }
.footer-bottom { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; padding-top: 18px; border-top: 1px solid var(--line-dark); }
@media (max-width: 880px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 540px) { .footer-grid { grid-template-columns: 1fr; } }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
  .js .reveal, .reveal { opacity: 1 !important; transform: none !important; }
  .js .reveal-load > *, .reveal-load > * { opacity: 1 !important; transform: none !important; }
}

/* ==========================================================================
   Interior pages (template: page hero, prose, factors, checklist, related)
   ========================================================================== */
.page-hero {
  position: relative; overflow: hidden;
  background: var(--paper-2); border-bottom: 1px solid var(--line);
  padding-block: clamp(44px, 7vw, 92px);
}
.page-hero .lion-mark {
  position: absolute; right: -2%; top: 50%; transform: translateY(-50%);
  width: clamp(260px, 32vw, 460px); opacity: .045; pointer-events: none; filter: grayscale(1);
}
.page-hero-inner { position: relative; max-width: 760px; }
.breadcrumb { display: flex; flex-wrap: wrap; align-items: center; gap: 8px; font-size: 13px; color: var(--muted); font-weight: 600; margin-bottom: 22px; }
.breadcrumb a { color: var(--muted); transition: color .2s; }
.breadcrumb a:hover { color: var(--red); }
.breadcrumb span { opacity: .5; }
.breadcrumb .here { color: var(--ink-soft); }
.page-hero h1 { font-size: clamp(38px, 5.6vw, 68px); font-weight: 420; margin-top: 16px; }
.page-hero .subhead { font-family: var(--font-display); font-style: italic; font-size: clamp(20px, 2.6vw, 27px); color: var(--red); margin-top: 16px; }
.page-hero .lead { margin-top: 20px; max-width: 620px; }
.page-hero .hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 32px; }
/* service hero image band */
.page-hero-band { margin: 0; line-height: 0; }
.page-hero-band img { display: block; width: 100%; height: clamp(240px, 32vw, 440px); object-fit: cover; object-position: center; }
@media (max-width: 640px) { .page-hero-band img { height: clamp(190px, 52vw, 280px); } }

/* editorial prose */
.prose { max-width: 760px; }
.prose .lede { font-family: var(--font-display); font-weight: 420; font-size: clamp(22px, 2.8vw, 30px); line-height: 1.4; color: var(--ink); letter-spacing: -0.01em; }
.prose p { font-size: 18px; line-height: 1.72; color: var(--ink-soft); margin-top: 1.1em; }
.pullquote { font-family: var(--font-display); font-style: italic; font-size: clamp(24px, 3.4vw, 38px); line-height: 1.28; color: var(--ink); border-left: 3px solid var(--red); padding-left: clamp(22px, 3vw, 34px); margin: clamp(36px,5vw,56px) 0; max-width: 820px; letter-spacing: -0.01em; }

/* factor cards (challenges / considerations) */
.factor-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.factor { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 28px 26px; box-shadow: var(--shadow); }
.factor .ic { display: block; width: 32px; height: 32px; color: var(--red); margin-bottom: 16px; }
.factor .ic svg { width: 100%; height: 100%; }
.factor h3 { font-family: var(--font-body); font-weight: 800; font-size: 17px; }
.factor p { font-size: 14.5px; color: var(--ink-soft); margin-top: 8px; line-height: 1.55; }
@media (max-width: 880px) { .factor-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .factor-grid { grid-template-columns: 1fr; } }

/* split: prose + checklist card */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 5vw, 72px); align-items: center; }
@media (max-width: 880px) { .split { grid-template-columns: 1fr; } }
.checklist-card { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow); padding: clamp(28px,3.5vw,40px); }
.checklist-card h3 { font-family: var(--font-body); font-weight: 800; font-size: 18px; margin-bottom: 8px; }
.checklist { display: grid; gap: 16px; margin-top: 18px; }
.checklist li { display: flex; gap: 14px; align-items: flex-start; font-size: 16px; color: var(--ink-soft); line-height: 1.5; }
.checklist .tick { flex: none; width: 26px; height: 26px; border-radius: 50%; background: rgba(110,27,45,.1); color: var(--red); display: grid; place-items: center; margin-top: 1px; }
.checklist .tick svg { width: 14px; height: 14px; }

/* numbered approach steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; counter-reset: step; }
.step { background: var(--paper-2); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 30px 28px; position: relative; }
.step .sn { font-family: var(--font-display); font-size: 40px; font-weight: 460; color: var(--red); line-height: 1; opacity: .9; }
.step h3 { font-family: var(--font-body); font-weight: 800; font-size: 18px; margin-top: 14px; }
.step p { font-size: 15px; color: var(--ink-soft); margin-top: 8px; line-height: 1.55; }
@media (max-width: 880px) { .steps { grid-template-columns: 1fr; } }

/* related pages */
.related-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
@media (max-width: 700px) { .related-grid { grid-template-columns: 1fr; } }

/* light disclaimer note */
.fineprint { max-width: 760px; margin-top: clamp(40px,5vw,56px); padding-top: 22px; border-top: 1px solid var(--line); font-size: 13px; color: var(--muted); line-height: 1.6; }

/* ==========================================================================
   Forms + Contact page
   ========================================================================== */
.contact-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(32px, 5vw, 64px); align-items: start; }
@media (max-width: 880px) { .contact-grid { grid-template-columns: 1fr; } }

.form-card { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow); padding: clamp(26px, 3.5vw, 40px); }
.form-card > h2 { font-family: var(--font-body); font-weight: 800; font-size: 22px; }
.form-card > p.intro { font-size: 15px; color: var(--ink-soft); margin-top: 6px; margin-bottom: 24px; }

.form { display: grid; gap: 18px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
@media (max-width: 560px) { .form-row { grid-template-columns: 1fr; } }
.field label { display: block; font-size: 13px; font-weight: 800; letter-spacing: .02em; color: var(--ink); margin-bottom: 7px; }
.field .req { color: var(--red); }
.field input, .field select, .field textarea {
  width: 100%; padding: 13px 15px; font: inherit; font-size: 16px; color: var(--ink);
  background: var(--paper-2); border: 1.5px solid var(--line); border-radius: var(--radius);
  transition: border-color .2s, box-shadow .2s;
}
.field textarea { min-height: 130px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--red); box-shadow: 0 0 0 3px rgba(110,27,45,.12); }
.field input::placeholder, .field textarea::placeholder { color: var(--muted); }
.hp { position: absolute !important; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.form .btn { justify-self: start; }
.form-note { font-size: 12.5px; color: var(--muted); line-height: 1.55; }
.form-success { display: none; align-items: center; gap: 12px; background: #eaf4ee; border: 1px solid #b8dcc4; color: #1c6b43; border-radius: var(--radius); padding: 14px 16px; font-size: 15px; font-weight: 600; }
.form-success.show { display: flex; }
.form-success svg { flex: none; width: 20px; height: 20px; }

.info-stack { display: grid; gap: 18px; }
.info-block { background: var(--paper-2); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 24px 26px; }
.info-block h3 { font-family: var(--font-body); font-weight: 800; font-size: 13px; letter-spacing: .08em; text-transform: uppercase; color: var(--red); margin-bottom: 14px; }
.info-block p { font-size: 16px; color: var(--ink-soft); line-height: 1.55; }
.info-block a { color: var(--ink-soft); transition: color .2s; }
.info-block a:hover { color: var(--red); }
.info-block .big { font-size: 21px; font-weight: 800; color: var(--ink); font-family: var(--font-body); }
.dir-link { display: inline-flex; align-items: center; gap: 6px; margin-top: 12px; font-weight: 800; font-size: 14px; color: var(--red); }
.dir-link svg { width: 15px; height: 15px; }

.hours-row { display: flex; justify-content: space-between; padding: 6px 0; border-bottom: 1px solid var(--line-soft); font-size: 15px; }
.hours-row:last-child { border-bottom: 0; }
.hours-row .day { color: var(--ink); font-weight: 700; }
.hours-row .closed { color: var(--muted); }

.advisor-contact { display: flex; flex-direction: column; padding: 11px 0; border-bottom: 1px solid var(--line-soft); }
.advisor-contact:last-child { border-bottom: 0; }
.advisor-contact strong { color: var(--ink); font-weight: 800; font-size: 15.5px; }
.advisor-contact .lines { font-size: 14.5px; margin-top: 2px; }

.ways { display: flex; gap: 10px; flex-wrap: wrap; }
.way-pill { display: inline-flex; align-items: center; gap: 8px; font-size: 14px; font-weight: 700; color: var(--ink); background: var(--paper); border: 1px solid var(--line); border-radius: 999px; padding: 9px 15px; }
.way-pill svg { width: 16px; height: 16px; color: var(--red); }

/* ==========================================================================
   About pages — team profiles, support grid, advantage pillars
   ========================================================================== */
.group-label { font-family: var(--font-body); font-weight: 800; font-size: 13px; letter-spacing: .14em; text-transform: uppercase; color: var(--red); margin-bottom: 28px; padding-bottom: 14px; border-bottom: 1px solid var(--line); }

.profile { display: grid; grid-template-columns: 280px 1fr; gap: clamp(28px, 4vw, 56px); align-items: start; }
.profile + .profile { margin-top: clamp(44px, 6vw, 68px); padding-top: clamp(44px, 6vw, 68px); border-top: 1px solid var(--line); }
.profile .pphoto { position: relative; border-radius: var(--radius-lg); overflow: hidden; border: 1px solid var(--line); background: var(--paper); aspect-ratio: 4/5; }
.profile .pphoto img { width: 100%; height: 100%; object-fit: cover; object-position: top center; }
.profile .pphoto::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 4px; background: var(--red); }
.profile .pname { font-family: var(--font-display); font-weight: 480; font-size: clamp(26px, 3vw, 34px); letter-spacing: -0.01em; }
.profile .prole { color: var(--red); font-weight: 700; font-size: 13.5px; letter-spacing: .04em; text-transform: uppercase; margin-top: 8px; }
.profile .pcreds { color: var(--muted); font-size: 14.5px; margin-top: 4px; }
.profile .pcontact { display: flex; flex-wrap: wrap; gap: 8px 18px; margin: 16px 0 4px; font-size: 14.5px; font-weight: 700; }
.profile .pcontact a { color: var(--ink); display: inline-flex; align-items: center; gap: 6px; }
.profile .pcontact a:hover { color: var(--red); }
.profile .pcontact svg { width: 15px; height: 15px; color: var(--red); }
.profile .pbio { margin-top: 16px; }
.profile .pbio p { color: var(--ink-soft); font-size: 16.5px; line-height: 1.7; margin-top: 1em; }
.profile .pbio p:first-child { margin-top: 0; }
.profile.compact { grid-template-columns: 200px 1fr; }
@media (max-width: 760px) { .profile, .profile.compact { grid-template-columns: 1fr; } .profile .pphoto { max-width: 300px; } }

.support-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; }
@media (max-width: 880px) { .support-grid { grid-template-columns: 1fr 1fr; max-width: 540px; margin-inline: auto; } }
@media (max-width: 420px) { .support-grid { grid-template-columns: 1fr; max-width: 260px; } }
.support-card { text-align: center; }
.support-card .ring { width: clamp(130px, 16vw, 168px); aspect-ratio: 1; margin: 0 auto 18px; border-radius: 50%; border: 2px solid var(--gold); padding: 5px; }
.support-card .ring img { width: 100%; height: 100%; object-fit: cover; border-radius: 50%; }
.support-card h3 { font-family: var(--font-display); font-weight: 480; font-size: 21px; }
.support-card .func { color: var(--red); font-weight: 700; font-size: 12.5px; letter-spacing: .1em; text-transform: uppercase; margin-top: 6px; }

.duo-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
@media (max-width: 760px) { .duo-grid { grid-template-columns: 1fr; } }
.pillar { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 32px 30px; box-shadow: var(--shadow); }
.pillar .ic { display: block; width: 34px; height: 34px; color: var(--red); margin-bottom: 16px; }
.pillar .ic svg { width: 100%; height: 100%; }
.pillar h3 { font-family: var(--font-body); font-weight: 800; font-size: 19px; }
.pillar p { color: var(--ink-soft); font-size: 16px; line-height: 1.62; margin-top: 10px; }

/* ==========================================================================
   Financial goal calculator
   ========================================================================== */
.calc { display: grid; grid-template-columns: 0.92fr 1.08fr; gap: clamp(18px, 3vw, 32px); align-items: stretch; }
@media (max-width: 880px) { .calc { grid-template-columns: 1fr; } }
.calc-panel, .calc-output { border-radius: var(--radius-lg); padding: clamp(24px, 3vw, 34px); }
.calc-panel { background: var(--card); border: 1px solid var(--line); box-shadow: var(--shadow); }
.calc-output { background: var(--charcoal); color: #fff; display: flex; flex-direction: column; }

.seg { display: flex; background: var(--paper); border: 1px solid var(--line); border-radius: 999px; padding: 4px; margin-bottom: 26px; }
.seg button { flex: 1; border: 0; background: none; padding: 11px 12px; font: inherit; font-weight: 800; font-size: 13.5px; color: var(--ink-soft); border-radius: 999px; cursor: pointer; transition: background .2s, color .2s; }
.seg button[aria-pressed="true"] { background: var(--red-deep); color: #fff; }

.calc-field { margin-bottom: 20px; }
.calc-field label { display: flex; justify-content: space-between; align-items: baseline; font-size: 14px; font-weight: 800; color: var(--ink); margin-bottom: 9px; }
.calc-field .inp { display: flex; align-items: center; gap: 6px; border: 1.5px solid var(--line); border-radius: var(--radius); padding: 0 12px; background: var(--paper-2); transition: border-color .2s, box-shadow .2s; }
.calc-field .inp:focus-within { border-color: var(--red); box-shadow: 0 0 0 3px rgba(110,27,45,.12); }
.calc-field .inp .pre { color: var(--muted); font-weight: 700; font-size: 16px; }
.calc-field .inp input { flex: 1; border: 0; outline: none; background: none; font: inherit; font-size: 16px; color: var(--ink); padding: 12px 0; width: 100%; }
.calc-field input[type="range"] { width: 100%; margin-top: 12px; accent-color: var(--red); }

.calc-output .out-label { font-size: 12.5px; letter-spacing: .12em; text-transform: uppercase; color: rgba(255,255,255,.6); font-weight: 800; }
.calc-output .out-big { font-family: var(--font-display); font-size: clamp(38px, 6vw, 58px); font-weight: 480; line-height: 1; margin-top: 10px; letter-spacing: -0.01em; }
.calc-substats { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 24px; }
.calc-substat { background: var(--charcoal-2); border-radius: var(--radius); padding: 14px 16px; }
.calc-substat .k { font-size: 11.5px; color: rgba(255,255,255,.55); font-weight: 700; letter-spacing: .03em; text-transform: uppercase; }
.calc-substat .v { font-family: var(--font-display); font-size: clamp(20px,2.6vw,24px); color: #fff; margin-top: 5px; }
.calc-chart-wrap { margin-top: 24px; flex: 1; display: flex; flex-direction: column; justify-content: flex-end; }
canvas.calc-chart { width: 100%; height: 170px; display: block; }
.calc-legend { display: flex; gap: 18px; margin-top: 12px; font-size: 12.5px; color: rgba(255,255,255,.7); }
.calc-legend span { display: inline-flex; align-items: center; gap: 7px; }
.calc-legend i { width: 12px; height: 12px; border-radius: 3px; display: inline-block; }
.calc-note { font-size: 12.5px; color: rgba(255,255,255,.5); margin-top: 18px; line-height: 1.55; }

/* ==========================================================================
   Client logins
   ========================================================================== */
.login-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
@media (max-width: 820px) { .login-grid { grid-template-columns: 1fr; max-width: 440px; margin-inline: auto; } }
.login-card { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow); padding: 38px 30px 32px; text-align: center; display: flex; flex-direction: column; align-items: center; transition: transform .18s, box-shadow .18s, border-color .18s; }
.login-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); border-color: var(--line-strong); }
.login-card .ic { display: block; width: 38px; height: 38px; color: var(--red); margin-bottom: 18px; }
.login-card .ic svg { width: 100%; height: 100%; }
.login-card .pname { font-family: var(--font-display); font-weight: 480; font-size: 24px; letter-spacing: -0.01em; line-height: 1.1; }
.login-card .psub { color: var(--red); font-size: 11.5px; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; margin-top: 8px; }
.login-card p { color: var(--ink-soft); font-size: 15.5px; line-height: 1.55; margin-top: 14px; flex: 1; }
.login-card .btn { margin-top: 22px; width: 100%; max-width: 200px; justify-content: center; }

/* ==========================================================================
   FAQ accordion
   ========================================================================== */
.faq { max-width: 820px; margin-inline: auto; }
.faq-group + .faq-group { margin-top: clamp(40px, 5vw, 60px); }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-item summary { cursor: pointer; list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 24px; padding: 22px 4px; font-weight: 800; font-size: 17px; color: var(--ink); transition: color .15s; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary:hover { color: var(--red); }
.faq-item summary::after { content: "+"; font-family: var(--font-display); font-weight: 400; font-size: 28px; line-height: 1; color: var(--red); flex: none; }
.faq-item[open] summary::after { content: "\2013"; }
.faq-item .faq-a { padding: 0 4px 24px; color: var(--ink-soft); font-size: 16.5px; line-height: 1.72; }
.faq-item .faq-a a { color: var(--red); font-weight: 700; }

/* ==========================================================================
   Service detail columns ("What's included")
   ========================================================================== */
.detail-cols { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: clamp(24px, 3vw, 44px); }
.detail-col h3 { font-family: var(--font-body); font-weight: 800; font-size: 13.5px; letter-spacing: .08em; text-transform: uppercase; color: var(--ink); margin: 0 0 14px; padding-bottom: 12px; border-bottom: 1px solid var(--line); }
.detail-col ul { list-style: none; margin: 0; padding: 0; }
.detail-col li { position: relative; padding-left: 20px; margin-bottom: 11px; color: var(--ink-soft); font-size: 15.5px; line-height: 1.5; }
.detail-col li::before { content: ""; position: absolute; left: 0; top: 9px; width: 7px; height: 7px; border-radius: 2px; background: var(--red); }