/* ==========================================================================
   EIB SYSTEMS — "Trusted Ledger" Design System
   Refined editorial financial-firm aesthetic.
   Palette + type drawn from EIBOffice Brand Style Guide v1.0.
   See /docs/brand-style.md and /docs/design-system.md for the full spec.
   ========================================================================== */

/* ---------- Design Tokens ---------------------------------------------- */
:root {
    /* Brand core (from style guide) */
    --oxford-blue: #000040;   /* headlines, primary, logo wordmark   */
    --battleship:  #848482;   /* secondary accents, logo arcs        */
    --grey-light:  #e4e4e3;   /* soft fills, hairlines               */
    --grey-shadow: #5c5c5b;   /* deeper accents                      */
    --body-gray:   #626260;   /* body copy, captions                 */

    /* Web extensions (documented in design-system.md) */
    --blue-700:    #102a8c;   /* interactive blue (links, focus)     */
    --blue-500:    #2747c8;   /* brighter accent / hovers            */
    --gold:        #c9a15a;   /* warm accent — used sparingly        */
    --gold-soft:   #e7d3ab;
    --paper:       #faf9f6;   /* warm off-white canvas               */
    --paper-2:     #f3f2ee;   /* alternating section fill            */
    --ink:         #14142b;   /* near-black text on light            */
    --white:       #ffffff;

    /* Functional */
    --bg:            var(--paper);
    --surface:       var(--white);
    --text:          #2a2a33;
    --text-soft:     var(--body-gray);
    --heading:       var(--oxford-blue);
    --line:          #e6e5e0;

    /* Type */
    --font-display: "Oswald", "Arial Narrow", sans-serif;
    --font-ui:      "Montserrat", "Calibri", Arial, sans-serif;
    --font-body:    "Mulish", "Calibri", Arial, sans-serif;

    /* Rhythm */
    --container: 1200px;
    --container-wide: 1320px;
    --radius: 14px;
    --radius-lg: 24px;
    --shadow-sm: 0 2px 10px rgba(0, 0, 64, .05);
    --shadow:    0 18px 50px -20px rgba(0, 0, 64, .22);
    --shadow-lg: 0 40px 90px -30px rgba(0, 0, 64, .35);
    --ease: cubic-bezier(.22, 1, .36, 1);
}

/* ---------- Reset / base ----------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
    margin: 0;
    font-family: var(--font-body);
    font-size: 1.0625rem;
    line-height: 1.75;
    color: var(--text);
    background: var(--bg);
    -webkit-font-smoothing: antialiased;
    text-rendering: optimizeLegibility;
    overflow-x: hidden;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue-700); text-decoration: none; transition: color .2s var(--ease); }
a:hover { color: var(--blue-500); }

h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-display);
    font-weight: 600;
    line-height: 1.06;
    color: var(--heading);
    margin: 0 0 .5em;
    letter-spacing: -.01em;
}

p { margin: 0 0 1.1rem; }
p:last-child { margin-bottom: 0; }

::selection { background: var(--oxford-blue); color: #fff; }

/* ---------- Layout helpers --------------------------------------------- */
.container { width: 100%; max-width: var(--container); margin-inline: auto; padding-inline: 1.5rem; }
.container-wide { max-width: var(--container-wide); }
.section { padding: clamp(4rem, 8vw, 7.5rem) 0; position: relative; }
.section--tight { padding: clamp(3rem, 5vw, 4.5rem) 0; }
.bg-paper-2 { background: var(--paper-2); }
.bg-ink {
    background:
        radial-gradient(120% 140% at 85% -10%, rgba(39, 71, 200, .35) 0%, transparent 55%),
        linear-gradient(160deg, #000045 0%, #000028 60%, #00001c 100%);
    color: #d9dbe7;
}
.bg-ink h1, .bg-ink h2, .bg-ink h3, .bg-ink h4 { color: #fff; }

.text-center { text-align: center; }
.mx-auto { margin-inline: auto; }
.measure { max-width: 56ch; }
.measure-sm { max-width: 44ch; }

/* ---------- Eyebrow + section titles ----------------------------------- */
.eyebrow {
    font-family: var(--font-ui);
    font-weight: 700;
    font-size: .78rem;
    letter-spacing: .22em;
    text-transform: uppercase;
    color: var(--gold);
    display: inline-flex;
    align-items: center;
    gap: .65rem;
    margin: 0 0 1rem;
}
.eyebrow::before {
    content: "";
    width: 26px;
    height: 2px;
    background: var(--gold);
    display: inline-block;
}
.eyebrow.is-centered { justify-content: center; }

.section-head { max-width: 660px; margin-bottom: 3.25rem; }
.section-head.is-centered { margin-inline: auto; text-align: center; }
.section-title {
    font-size: clamp(2rem, 4vw, 3.1rem);
    text-transform: uppercase;
    letter-spacing: .005em;
}
.section-title em {
    font-style: normal;
    color: var(--battleship);
    -webkit-text-stroke: 1px var(--battleship);
    color: transparent;
}
.lead { font-size: 1.18rem; color: var(--text-soft); line-height: 1.7; }

/* ---------- Buttons ---------------------------------------------------- */
.btn {
    --btn-bg: var(--oxford-blue);
    --btn-fg: #fff;
    font-family: var(--font-ui);
    font-weight: 700;
    font-size: .82rem;
    letter-spacing: .12em;
    text-transform: uppercase;
    display: inline-flex;
    align-items: center;
    gap: .6rem;
    padding: .95rem 1.7rem;
    border: 1.5px solid var(--btn-bg);
    border-radius: 999px;
    background: var(--btn-bg);
    color: var(--btn-fg);
    cursor: pointer;
    transition: transform .25s var(--ease), box-shadow .25s var(--ease), background .25s var(--ease), color .25s var(--ease), border-color .25s var(--ease);
    will-change: transform;
}
.btn:hover { transform: translateY(-3px); box-shadow: var(--shadow); color: var(--btn-fg); }
.btn .ico { transition: transform .25s var(--ease); }
.btn:hover .ico { transform: translateX(4px); }

.btn--gold { --btn-bg: var(--gold); --btn-fg: #1c1500; }
.btn--gold:hover { background: #d8b272; border-color: #d8b272; }

.btn--ghost { --btn-bg: transparent; --btn-fg: var(--oxford-blue); border-color: rgba(0,0,64,.25); }
.btn--ghost:hover { background: var(--oxford-blue); color: #fff; border-color: var(--oxford-blue); }

.btn--light { --btn-bg: #fff; --btn-fg: var(--oxford-blue); }
.btn--outline-light { --btn-bg: transparent; --btn-fg: #fff; border-color: rgba(255,255,255,.4); }
.btn--outline-light:hover { background: #fff; color: var(--oxford-blue); border-color:#fff; }

.btn-text {
    font-family: var(--font-ui);
    font-weight: 700;
    font-size: .8rem;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: var(--oxford-blue);
    display: inline-flex;
    align-items: center;
    gap: .5rem;
}
.btn-text .ico { transition: transform .25s var(--ease); }
.btn-text:hover { color: var(--blue-500); }
.btn-text:hover .ico { transform: translateX(5px); }

/* ---------- Top bar ---------------------------------------------------- */
.topbar {
    background: var(--oxford-blue);
    color: #c7c9d6;
    font-family: var(--font-ui);
    font-size: .8rem;
    letter-spacing: .02em;
}
.topbar .container { display: flex; justify-content: space-between; align-items: center; gap: 1rem; min-height: 42px; flex-wrap: wrap; }
.topbar a { color: #c7c9d6; }
.topbar a:hover { color: #fff; }
.topbar-info { display: flex; gap: 1.6rem; flex-wrap: wrap; }
.topbar-info span { display: inline-flex; align-items: center; gap: .45rem; }
.topbar-info .ico { color: var(--gold); }
.topbar-promo { color: var(--gold-soft); font-weight: 600; }
@media (max-width: 720px) { .topbar-promo { display: none; } }

/* ---------- Header / nav ----------------------------------------------- */
.site-header {
    position: sticky; top: 0; z-index: 100;
    background: rgba(255,255,255,.88);
    backdrop-filter: saturate(150%) blur(12px);
    border-bottom: 1px solid var(--line);
    transition: box-shadow .3s var(--ease), background .3s var(--ease);
}
.site-header.is-scrolled { box-shadow: 0 8px 30px -18px rgba(0,0,64,.35); }
.nav { display: flex; align-items: center; justify-content: space-between; gap: 1.5rem; min-height: 84px; }
.brand { display: flex; align-items: center; flex-shrink: 0; }
.brand img { height: 46px; width: auto; }
.nav-menu { display: flex; align-items: center; gap: .35rem; list-style: none; margin: 0; padding: 0; }
.nav-menu > li { position: relative; }
.nav-menu > li > a {
    font-family: var(--font-ui);
    font-weight: 600;
    font-size: .82rem;
    letter-spacing: .08em;
    text-transform: uppercase;
    color: var(--oxford-blue);
    padding: .65rem .9rem;
    border-radius: 8px;
    display: inline-flex; align-items: center; gap: .3rem;
}
.nav-menu > li > a:hover { color: var(--blue-500); }
.nav-menu > li.is-active > a { color: var(--oxford-blue); background: rgba(0,0,64,.07); }

.nav-cta { display: flex; align-items: center; gap: 1rem; }
.nav-toggle { display: none; }

/* Mobile drawer + scrim: positioned off-screen at ALL widths so they never
   appear in normal flow on desktop. The mobile media query only reveals the
   toggle and hides the desktop menu. */
.nav-drawer {
    position: fixed; inset: 0 0 0 auto; width: min(86vw, 360px);
    background: var(--oxford-blue); color: #fff;
    transform: translateX(100%); transition: transform .35s var(--ease);
    z-index: 200; padding: 5.5rem 2rem 2rem; overflow-y: auto;
}
.nav-drawer.is-open { transform: translateX(0); }
.nav-drawer ul { list-style: none; margin: 0; padding: 0; }
.nav-drawer > ul > li { border-bottom: 1px solid rgba(255,255,255,.12); }
.nav-drawer a {
    display: block; padding: .9rem 0; color: #fff;
    font-family: var(--font-ui); font-weight: 600; letter-spacing: .06em;
    text-transform: uppercase; font-size: .9rem;
}
.nav-drawer .submenu a { color: rgba(255,255,255,.82); padding-left: 1rem; font-size: .8rem; text-transform: none; letter-spacing: .02em; }
.nav-drawer .submenu a:hover { color: var(--gold); }
.nav-drawer .btn { display: inline-flex; margin-top: 1.5rem; }
.drawer-close { position: absolute; top: 1.5rem; right: 1.5rem; background: none; border: 0; color: #fff; font-size: 1.8rem; cursor: pointer; line-height: 1; }
.scrim { position: fixed; inset: 0; background: rgba(0,0,20,.5); opacity: 0; visibility: hidden; transition: .3s; z-index: 150; }
.scrim.is-open { opacity: 1; visibility: visible; }

/* dropdown */
.has-sub > .submenu {
    position: absolute; top: calc(100% + 8px); left: 0;
    min-width: 230px; background: #fff;
    border: 1px solid var(--line); border-radius: 12px;
    box-shadow: var(--shadow); padding: .5rem;
    list-style: none; margin: 0;
    opacity: 0; visibility: hidden; transform: translateY(8px);
    transition: all .22s var(--ease);
}
.has-sub:hover > .submenu { opacity: 1; visibility: visible; transform: translateY(0); }
.submenu a {
    display: block; padding: .6rem .85rem; border-radius: 8px;
    font-family: var(--font-ui); font-weight: 600; font-size: .82rem;
    color: var(--oxford-blue);
}
.submenu a:hover { background: var(--paper-2); color: var(--blue-500); }

/* mobile drawer */
@media (max-width: 992px) {
    .nav-toggle {
        display: inline-flex; flex-direction: column; gap: 5px;
        background: none; border: 0; padding: 8px; cursor: pointer;
    }
    .nav-toggle span { width: 26px; height: 2.5px; background: var(--oxford-blue); border-radius: 2px; transition: .3s var(--ease); }
    .nav-menu, .nav-cta .btn { display: none; }
}

/* ---------- Hero ------------------------------------------------------- */
.hero { position: relative; overflow: hidden; padding: clamp(3.5rem, 7vw, 6.5rem) 0 clamp(4rem, 8vw, 7rem); }
.hero::before {
    content: ""; position: absolute; inset: 0; z-index: -2;
    background:
        radial-gradient(90% 120% at 88% 0%, rgba(39,71,200,.30), transparent 55%),
        linear-gradient(155deg, #000048 0%, #00002b 65%, #000022 100%);
}
.hero-arcs {
    position: absolute; top: 50%; left: -8%; transform: translateY(-50%);
    width: 60vw; max-width: 820px; aspect-ratio: 1; z-index: -1; opacity: .5;
    pointer-events: none;
}
.hero-arcs span {
    position: absolute; inset: 0; border-radius: 50%;
    border: 2px solid transparent;
    border-left-color: rgba(132,132,130,.55);
    border-top-color: rgba(132,132,130,.25);
}
.hero-arcs span:nth-child(2) { inset: 11%; border-left-color: rgba(201,161,90,.45); }
.hero-arcs span:nth-child(3) { inset: 22%; border-left-color: rgba(132,132,130,.4); }
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: center; }
.hero-content { color: #eef0f8; }
.hero .eyebrow { color: var(--gold-soft); }
.hero .eyebrow::before { background: var(--gold-soft); }
.hero h1 {
    color: #fff;
    font-size: clamp(2.6rem, 6vw, 4.6rem);
    text-transform: uppercase;
    margin-bottom: 1.4rem;
}
.hero h1 strong { color: var(--gold); font-weight: 700; }
.hero-lead { font-size: 1.2rem; color: #c4c7d8; max-width: 48ch; margin-bottom: 2rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 1rem; align-items: center; }
.hero-trust { display: flex; gap: 2.2rem; margin-top: 3rem; flex-wrap: wrap; }
.hero-trust .num { font-family: var(--font-display); font-size: 2.4rem; color: #fff; line-height: 1; }
.hero-trust .lbl { font-family: var(--font-ui); font-size: .75rem; letter-spacing: .12em; text-transform: uppercase; color: #9ea2bc; margin-top: .35rem; }
.hero-visual { position: relative; }
.hero-visual .ph { box-shadow: var(--shadow-lg); }
.hero-badge {
    position: absolute; bottom: -28px; left: -28px;
    background: #fff; border-radius: var(--radius);
    box-shadow: var(--shadow); padding: 1.1rem 1.4rem;
    display: flex; align-items: center; gap: .9rem; max-width: 270px;
}
.hero-badge .ico { font-size: 1.8rem; color: var(--gold); }
.hero-badge strong { font-family: var(--font-display); color: var(--oxford-blue); font-size: 1.05rem; display: block; }
.hero-badge span { font-size: .85rem; color: var(--text-soft); }
@media (max-width: 900px) {
    .hero-grid { grid-template-columns: 1fr; }
    .hero-visual { display: none; }
}

/* ---------- Image placeholders ----------------------------------------- */
.ph {
    position: relative;
    display: flex; align-items: center; justify-content: center;
    text-align: center;
    background:
        repeating-linear-gradient(45deg, rgba(0,0,64,.035) 0 14px, transparent 14px 28px),
        linear-gradient(135deg, #eef0f5 0%, #e3e5ee 100%);
    border: 1.5px solid rgba(0,0,64,.22);
    border-radius: var(--radius);
    color: var(--oxford-blue);
    overflow: hidden;
    font-family: var(--font-ui);
}
.ph-inner { padding: 1.25rem; max-width: 90%; }
.ph-label { font-weight: 700; font-size: .95rem; letter-spacing: .02em; margin-bottom: .35rem; }
.ph-spec {
    display: inline-block;
    font-size: .72rem; letter-spacing: .08em;
    background: var(--oxford-blue); color: #fff;
    padding: .25rem .6rem; border-radius: 999px;
    margin-top: .5rem;
}
.ph-note { font-size: .72rem; color: var(--grey-shadow); margin-top: .5rem; }
.ph--round { border-radius: 50%; }
.ph--cover { width: 100%; height: 100%; }

/* aspect ratio variants */
.ratio-16x9 { aspect-ratio: 16/9; }
.ratio-4x3  { aspect-ratio: 4/3; }
.ratio-3x2  { aspect-ratio: 3/2; }
.ratio-1x1  { aspect-ratio: 1/1; }
.ratio-3x4  { aspect-ratio: 3/4; }
.ratio-5x6  { aspect-ratio: 5/6; }

/* ---------- Cards: services -------------------------------------------- */
.grid { display: grid; gap: 1.75rem; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 980px) { .grid-3 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 680px) { .grid-3, .grid-2 { grid-template-columns: 1fr; } }

.service-card {
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    padding: 2.25rem 2rem 2rem;
    position: relative;
    overflow: hidden;
    transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s var(--ease);
    height: 100%;
}
.service-card::before {
    content: ""; position: absolute; inset: 0 0 auto 0; height: 4px;
    background: linear-gradient(90deg, var(--oxford-blue), var(--gold));
    transform: scaleX(0); transform-origin: left; transition: transform .4s var(--ease);
}
.service-card:hover { transform: translateY(-8px); box-shadow: var(--shadow); border-color: transparent; }
.service-card:hover::before { transform: scaleX(1); }
.service-icon {
    width: 62px; height: 62px; border-radius: 16px;
    display: grid; place-items: center;
    background: rgba(0,0,64,.06); color: var(--oxford-blue);
    font-size: 1.7rem; margin-bottom: 1.4rem;
    transition: background .35s var(--ease), color .35s var(--ease);
}
.service-card:hover .service-icon { background: var(--oxford-blue); color: var(--gold); }
.service-card h3 { font-size: 1.45rem; text-transform: uppercase; margin-bottom: .6rem; }
.service-card p { color: var(--text-soft); font-size: .98rem; margin-bottom: 1.25rem; }
.service-card .num-ghost {
    position: absolute; right: 1.2rem; bottom: .4rem;
    font-family: var(--font-display); font-size: 4.5rem; font-weight: 700;
    color: rgba(0,0,64,.04); line-height: 1; pointer-events: none;
}

/* ---------- Feature list / why-choose ---------------------------------- */
.feature { display: flex; gap: 1.1rem; margin-bottom: 1.9rem; }
.feature:last-child { margin-bottom: 0; }
.feature-ico {
    flex-shrink: 0; width: 54px; height: 54px; border-radius: 14px;
    display: grid; place-items: center; font-size: 1.4rem;
    background: var(--gold); color: var(--oxford-blue);
}
.feature h4 { font-size: 1.2rem; text-transform: uppercase; margin-bottom: .3rem; }
.feature p { color: var(--text-soft); font-size: .96rem; margin: 0; }

.check-list { list-style: none; margin: 1.5rem 0 0; padding: 0; display: grid; gap: .85rem; }
.check-list li { display: flex; gap: .75rem; align-items: flex-start; font-weight: 600; color: var(--ink); }
.check-list .ico { color: var(--gold); flex-shrink: 0; margin-top: .15rem; }

/* ---------- Stats band ------------------------------------------------- */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }
@media (max-width: 760px) { .stats { grid-template-columns: repeat(2, 1fr); } }
.stat { text-align: center; padding: 1rem; }
.stat .num { font-family: var(--font-display); font-weight: 700; font-size: clamp(2.4rem, 5vw, 3.4rem); color: #fff; line-height: 1; }
.stat .num span { color: var(--gold); }
.stat .lbl { font-family: var(--font-ui); font-size: .78rem; letter-spacing: .14em; text-transform: uppercase; color: #aeb1c8; margin-top: .6rem; }

/* ---------- Split feature ---------------------------------------------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: center; }
.split.is-reverse .split-media { order: 2; }
@media (max-width: 900px) { .split, .split.is-reverse { grid-template-columns: 1fr; } .split.is-reverse .split-media { order: 0; } }
.split-media { position: relative; }

/* ---------- Testimonials ----------------------------------------------- */
.tcard {
    background: var(--surface); border: 1px solid var(--line);
    border-radius: var(--radius-lg); padding: 2.25rem;
    height: 100%; position: relative;
}
.tcard .quote-mark {
    font-family: Georgia, serif; font-size: 4.5rem; line-height: .8;
    color: var(--gold); height: 2.2rem; display: block; margin-bottom: .5rem;
}
.tcard p { font-size: 1.05rem; color: var(--ink); font-style: italic; }
.tcard .stars { color: var(--gold); letter-spacing: 2px; margin: 1rem 0; }
.tcard-person { display: flex; align-items: center; gap: .9rem; margin-top: 1.5rem; padding-top: 1.5rem; border-top: 1px solid var(--line); }
.tcard-person .ph { width: 56px; height: 56px; flex-shrink: 0; }
.tavatar { width: 56px; height: 56px; border-radius: 50%; object-fit: cover; flex-shrink: 0; border: 2px solid var(--gold-soft); }
.tcard-person .name { font-family: var(--font-display); font-size: 1.15rem; color: var(--oxford-blue); }
.tcard-person .role { font-family: var(--font-ui); font-size: .76rem; letter-spacing: .08em; text-transform: uppercase; color: var(--battleship); }

/* ---------- CTA band --------------------------------------------------- */
.cta-band { position: relative; overflow: hidden; border-radius: var(--radius-lg); padding: clamp(2.5rem, 5vw, 4rem); }
.cta-band h2 { font-size: clamp(1.8rem, 3.5vw, 2.8rem); text-transform: uppercase; }
.cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 2rem; flex-wrap: wrap; }

/* ---------- Page banner ------------------------------------------------ */
.page-banner { position: relative; padding: clamp(3.5rem, 7vw, 6rem) 0 clamp(3rem, 6vw, 5rem); overflow: hidden; }
.page-banner .eyebrow { color: var(--gold-soft); }
.page-banner .eyebrow::before { background: var(--gold-soft); }
.page-banner h1 { color: #fff; font-size: clamp(2.4rem, 5.5vw, 4rem); text-transform: uppercase; }
.crumbs { font-family: var(--font-ui); font-size: .82rem; letter-spacing: .06em; color: #b9bcd2; margin-top: 1rem; display: flex; gap: .6rem; flex-wrap: wrap; }
.crumbs a { color: #fff; }
.crumbs span { color: var(--gold); }

/* ---------- Forms ------------------------------------------------------ */
.form-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: clamp(1.75rem, 3vw, 2.75rem); box-shadow: var(--shadow-sm); }
.field { margin-bottom: 1.25rem; }
.field label { display: block; font-family: var(--font-ui); font-weight: 600; font-size: .78rem; letter-spacing: .1em; text-transform: uppercase; color: var(--oxford-blue); margin-bottom: .5rem; }
.field input, .field select, .field textarea {
    width: 100%; padding: .9rem 1rem; font-family: var(--font-body); font-size: 1rem;
    border: 1.5px solid var(--line); border-radius: 12px; background: var(--paper);
    color: var(--text); transition: border-color .2s var(--ease), box-shadow .2s var(--ease);
}
.field input:focus, .field select:focus, .field textarea:focus {
    outline: none; border-color: var(--blue-500); box-shadow: 0 0 0 4px rgba(39,71,200,.12); background: #fff;
}
.field textarea { resize: vertical; min-height: 140px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
@media (max-width: 600px) { .form-row { grid-template-columns: 1fr; } }

/* contact info list */
.info-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 1.5rem; }
.info-list li { display: flex; gap: 1rem; align-items: flex-start; }
.info-ico { flex-shrink: 0; width: 50px; height: 50px; border-radius: 12px; background: var(--oxford-blue); color: var(--gold); display: grid; place-items: center; font-size: 1.2rem; }
.info-list .lbl { font-family: var(--font-ui); font-size: .74rem; letter-spacing: .12em; text-transform: uppercase; color: var(--battleship); }
.info-list .val { font-size: 1.08rem; color: var(--ink); font-weight: 600; }
.info-list .val a { color: var(--ink); }
.info-list .val a:hover { color: var(--blue-500); }

/* ---------- Accordion (FAQ) -------------------------------------------- */
.acc { border: 1px solid var(--line); border-radius: var(--radius); background: #fff; margin-bottom: 1rem; overflow: hidden; }
.acc summary { cursor: pointer; list-style: none; padding: 1.25rem 1.5rem; font-family: var(--font-display); font-size: 1.2rem; color: var(--oxford-blue); display: flex; justify-content: space-between; align-items: center; gap: 1rem; }
.acc summary::-webkit-details-marker { display: none; }
.acc summary .ico { transition: transform .3s var(--ease); color: var(--gold); }
.acc[open] summary .ico { transform: rotate(45deg); }
.acc-body { padding: 0 1.5rem 1.5rem; color: var(--text-soft); }

/* ---------- Footer ----------------------------------------------------- */
.site-footer { background: #00001e; color: #9da1b8; position: relative; overflow: hidden; }
.site-footer::before {
    content: ""; position: absolute; top: -40%; right: -10%; width: 520px; height: 520px;
    background: radial-gradient(circle, rgba(39,71,200,.18), transparent 70%); pointer-events: none;
}
.footer-top { padding: clamp(3.5rem, 6vw, 5rem) 0 3rem; display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 2.5rem; }
@media (max-width: 900px) { .footer-top { grid-template-columns: 1fr 1fr; gap: 2rem; } }
@media (max-width: 560px) { .footer-top { grid-template-columns: 1fr; } }
.footer-brand img { height: 52px; margin-bottom: 1.25rem; }
.footer-brand p { font-size: .95rem; max-width: 34ch; }
.footer-col h4 { color: #fff; font-size: 1.05rem; text-transform: uppercase; letter-spacing: .04em; margin-bottom: 1.4rem; }
.footer-col h4::after { content: ""; display: block; width: 34px; height: 2px; background: var(--gold); margin-top: .7rem; }
.footer-links { list-style: none; margin: 0; padding: 0; display: grid; gap: .7rem; }
.footer-links a { color: #9da1b8; font-size: .95rem; display: inline-flex; gap: .5rem; align-items: center; }
.footer-links a:hover { color: #fff; }
.footer-links .ico { color: var(--gold); font-size: .7rem; }
.footer-contact { display: grid; gap: 1rem; font-size: .95rem; }
.footer-contact .ln { display: flex; gap: .7rem; align-items: flex-start; }
.footer-contact .ico { color: var(--gold); margin-top: .25rem; }
.footer-contact a { color: #c7cadb; }
.footer-social { display: flex; gap: .6rem; margin-top: 1.5rem; }
.footer-social a { width: 40px; height: 40px; border-radius: 10px; border: 1px solid rgba(255,255,255,.15); display: grid; place-items: center; color: #c7cadb; }
.footer-social a:hover { background: var(--gold); color: var(--oxford-blue); border-color: var(--gold); transform: translateY(-3px); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); padding: 1.5rem 0; }
.footer-bottom .container { display: flex; justify-content: space-between; gap: 1rem; flex-wrap: wrap; font-size: .85rem; }
.footer-bottom a { color: #9da1b8; }
.footer-bottom a:hover { color: #fff; }

/* ---------- Back to top + misc ----------------------------------------- */
.to-top {
    position: fixed; right: 1.5rem; bottom: 1.5rem; z-index: 90;
    width: 48px; height: 48px; border-radius: 50%; border: 0;
    background: var(--oxford-blue); color: var(--gold); cursor: pointer;
    display: grid; place-items: center; font-size: 1.1rem;
    opacity: 0; visibility: hidden; transform: translateY(12px);
    transition: all .3s var(--ease); box-shadow: var(--shadow);
}
.to-top.is-visible { opacity: 1; visibility: visible; transform: translateY(0); }
.to-top:hover { background: var(--gold); color: var(--oxford-blue); }

/* simple icon font via inline svg masks not needed — using unicode/icofont fallback text */

/* ---------- Scroll reveal ---------------------------------------------- */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.is-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; }
@media (prefers-reduced-motion: reduce) {
    .reveal { opacity: 1; transform: none; transition: none; }
    html { scroll-behavior: auto; }
}

/* ---------- Utility ---------------------------------------------------- */
.mt-0{margin-top:0}.mb-0{margin-bottom:0}
.divider-arc { height: 3px; width: 80px; background: linear-gradient(90deg, var(--oxford-blue), var(--gold)); border-radius: 2px; margin: 1.25rem 0; }
.pill { display:inline-block; font-family: var(--font-ui); font-weight:700; font-size:.72rem; letter-spacing:.12em; text-transform:uppercase; color: var(--oxford-blue); background: var(--gold-soft); padding:.35rem .8rem; border-radius:999px; }
.muted { color: var(--text-soft); font-size: .9rem; }

/* ==========================================================================
   ABOUT — MISSION / VISION / FOUNDERS
   ========================================================================== */

/* Mission & Vision cards (on dark band) */
.mv-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.75rem; }
@media (max-width: 800px) { .mv-grid { grid-template-columns: 1fr; } }
.mv-card {
    background: rgba(255,255,255,.04);
    border: 1px solid rgba(255,255,255,.12);
    border-radius: var(--radius-lg);
    padding: clamp(1.75rem, 3vw, 2.5rem);
    position: relative; overflow: hidden;
}
.mv-card::before {
    content: ""; position: absolute; inset: 0 auto 0 0; width: 4px;
    background: linear-gradient(var(--gold), transparent);
}
.mv-ico { width: 60px; height: 60px; border-radius: 16px; display: grid; place-items: center; font-size: 1.6rem; background: var(--gold); color: var(--oxford-blue); margin-bottom: 1.25rem; }
.mv-card h3 { color: #fff; font-size: 1.6rem; text-transform: uppercase; margin-bottom: .75rem; }
.mv-card p { color: #c4c7d8; font-size: 1.08rem; line-height: 1.7; margin: 0; }

/* Founder cards */
.founders-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; }
@media (max-width: 760px) { .founders-grid { grid-template-columns: 1fr; } }
/* Single team member: one wider, centered slot. */
.founders-grid--solo { grid-template-columns: 1fr; max-width: 760px; margin-inline: auto; }
.founder-card {
    background: var(--surface); border: 1px solid var(--line);
    border-radius: var(--radius-lg); overflow: hidden; height: 100%;
    display: flex; flex-direction: column;
    transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s var(--ease);
}
.founder-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: transparent; }
/* Wide horizontal variant — photo left, bio right (e.g. a single team member). */
.founder-card--wide { flex-direction: row; align-items: stretch; }
.founder-card--wide .ph { width: 44%; flex-shrink: 0; aspect-ratio: auto; align-self: stretch; min-height: 340px; }
.founder-card--wide .founder-body { padding: 2.25rem 2.5rem; justify-content: center; }
@media (max-width: 620px) {
    .founder-card--wide { flex-direction: column; }
    .founder-card--wide .ph { width: 100%; aspect-ratio: 4/3; min-height: 0; }
    .founder-card--wide .founder-body { padding: 1.75rem 1.75rem 2rem; }
}
.founder-card .ph { border: 0; border-radius: 0; }
/* Portrait headshots in the 4:3 card: anchor the crop near the top so heads aren't cut. */
.founder-card .ph img { object-position: center 18%; }
/* Photos framed with extra headroom (e.g. Madison): drop the crop so less head space shows. */
.founder-card .ph.ph--crop-tight img { object-position: center 38%; }
.founder-body { padding: 1.75rem 1.75rem 2rem; display: flex; flex-direction: column; flex: 1; }
.founder-name { font-size: 1.7rem; text-transform: uppercase; margin-bottom: .15rem; }
.founder-role { font-family: var(--font-ui); font-weight: 700; font-size: .78rem; letter-spacing: .12em; text-transform: uppercase; color: var(--gold); }
.founder-specialty { font-family: var(--font-ui); font-size: .8rem; color: var(--text-soft); margin-top: .35rem; }
.founder-bio { color: var(--text-soft); margin-top: 1.1rem; }
.founder-bio--placeholder { font-style: italic; }
.founder-more { margin-top: .25rem; }
.founder-more summary { cursor: pointer; list-style: none; display: inline-flex; align-items: center; gap: .4rem; font-family: var(--font-ui); font-weight: 700; font-size: .78rem; letter-spacing: .08em; text-transform: uppercase; color: var(--oxford-blue); }
.founder-more summary::-webkit-details-marker { display: none; }
.founder-more summary .ico { color: var(--gold); transition: transform .3s var(--ease); }
.founder-more[open] summary .ico { transform: rotate(90deg); }
.founder-more-body { margin-top: 1rem; }
.founder-more-body p { color: var(--text-soft); }
.founder-more-body p + p { margin-top: .9rem; }
.founder-social { display: flex; gap: .6rem; margin-top: auto; padding-top: 1.5rem; }
.founder-social a { width: 38px; height: 38px; border-radius: 10px; border: 1px solid var(--line); display: grid; place-items: center; color: var(--oxford-blue); }
.founder-social a:hover { background: var(--oxford-blue); color: var(--gold); border-color: var(--oxford-blue); transform: translateY(-2px); }

/* ==========================================================================
   RESOURCES / BLOG
   ========================================================================== */

/* ---- Category chips / filter ----------------------------------------- */
.cat-filter { display: flex; flex-wrap: wrap; gap: .6rem; justify-content: center; margin-bottom: 3rem; }
.chip {
    font-family: var(--font-ui); font-weight: 600; font-size: .8rem;
    letter-spacing: .04em; padding: .55rem 1.1rem; border-radius: 999px;
    border: 1.5px solid var(--line); background: #fff; color: var(--oxford-blue);
    display: inline-flex; align-items: center; gap: .45rem; transition: all .2s var(--ease);
}
.chip .ico { color: var(--gold); }
.chip:hover { border-color: var(--oxford-blue); transform: translateY(-2px); color: var(--oxford-blue); }
.chip.is-active { background: var(--oxford-blue); color: #fff; border-color: var(--oxford-blue); }
.chip.is-active .ico { color: var(--gold); }
.chip .count { opacity: .55; font-weight: 700; }

/* ---- Article cards ---------------------------------------------------- */
.article-card {
    background: var(--surface); border: 1px solid var(--line);
    border-radius: var(--radius-lg); overflow: hidden; height: 100%;
    display: flex; flex-direction: column;
    transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s var(--ease);
}
.article-card:hover { transform: translateY(-8px); box-shadow: var(--shadow); border-color: transparent; }
.article-card .ph { border-radius: 0; border-left: 0; border-right: 0; border-top: 0; }
.article-card .card-body { padding: 1.6rem 1.6rem 1.75rem; display: flex; flex-direction: column; flex: 1; }
.article-meta { display: flex; align-items: center; gap: .6rem; flex-wrap: wrap; margin-bottom: .9rem; font-family: var(--font-ui); font-size: .72rem; letter-spacing: .06em; text-transform: uppercase; color: var(--battleship); }
.cat-tag { display: inline-flex; align-items: center; gap: .35rem; color: var(--oxford-blue); font-weight: 700; }
.cat-tag .ico { color: var(--gold); }
.article-card h3 { font-size: 1.4rem; line-height: 1.12; text-transform: none; letter-spacing: -.01em; margin-bottom: .6rem; }
.article-card h3 a { color: var(--oxford-blue); }
.article-card h3 a:hover { color: var(--blue-500); }
.article-card p { color: var(--text-soft); font-size: .96rem; margin-bottom: 1.25rem; }
.article-card .card-foot { margin-top: auto; display: flex; align-items: center; justify-content: space-between; }
.read-time { font-family: var(--font-ui); font-size: .74rem; letter-spacing: .06em; text-transform: uppercase; color: var(--battleship); display: inline-flex; align-items: center; gap: .4rem; }

/* featured (large) article */
.article-feature {
    background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius-lg);
    overflow: hidden; display: grid; grid-template-columns: 1.1fr 1fr; transition: box-shadow .35s var(--ease);
}
.article-feature:hover { box-shadow: var(--shadow); }
.article-feature .ph { border-radius: 0; border: 0; min-height: 320px; }
.article-feature .card-body { padding: clamp(1.75rem, 3vw, 2.75rem); display: flex; flex-direction: column; justify-content: center; }
.article-feature h3 { font-size: clamp(1.6rem, 2.6vw, 2.2rem); text-transform: none; line-height: 1.1; }
.article-feature h3 a { color: var(--oxford-blue); }
@media (max-width: 800px) { .article-feature { grid-template-columns: 1fr; } .article-feature .ph { min-height: 220px; } }

/* ---- Article (long-form) page ---------------------------------------- */
.article-hero { padding: clamp(3rem,6vw,5rem) 0 clamp(2rem,4vw,3rem); }
.article-hero .crumbs { color: #b9bcd2; margin-bottom: 1.5rem; }
.article-hero h1 { color: #fff; font-size: clamp(2rem, 4.5vw, 3.4rem); text-transform: none; letter-spacing: -.015em; max-width: 20ch; }
.article-byline { display: flex; align-items: center; gap: 1rem; margin-top: 1.75rem; color: #c4c7d8; font-family: var(--font-ui); font-size: .82rem; flex-wrap: wrap; }
.article-byline .avatar { width: 44px; height: 44px; border-radius: 50%; background: var(--gold); color: var(--oxford-blue); display: grid; place-items: center; font-family: var(--font-display); font-weight: 700; }
.article-byline .dot { width: 4px; height: 4px; border-radius: 50%; background: var(--battleship); }
.article-feature-img { max-width: 1040px; margin: -3.5rem auto 0; position: relative; z-index: 2; }
.article-feature-img .ph { border-radius: var(--radius-lg); }
.article-feature-img img { border-radius: var(--radius-lg); }
@media (max-width: 700px) { .article-feature-img { margin-top: -2rem; } }

.prose { max-width: 720px; margin-inline: auto; font-size: 1.12rem; line-height: 1.8; color: var(--text); }
.prose > .lead { font-size: 1.3rem; line-height: 1.6; color: var(--ink); margin-bottom: 1.75rem; }
.prose h2 { font-size: 1.75rem; text-transform: none; letter-spacing: -.01em; margin: 2.5rem 0 1rem; padding-top: .5rem; }
.prose h3 { font-size: 1.3rem; text-transform: none; margin: 2rem 0 .75rem; color: var(--blue-700); }
.prose p { margin-bottom: 1.3rem; }
.prose ul, .prose ol { margin: 0 0 1.4rem; padding-left: 1.3rem; }
.prose li { margin-bottom: .6rem; }
.prose li::marker { color: var(--gold); font-weight: 700; }
.prose a { color: var(--blue-700); text-decoration: underline; text-underline-offset: 3px; text-decoration-color: var(--gold-soft); }
.prose a:hover { color: var(--blue-500); }
.prose strong { color: var(--ink); }

/* callouts */
.callout { background: var(--paper-2); border-left: 4px solid var(--oxford-blue); border-radius: 0 12px 12px 0; padding: 1.1rem 1.4rem; margin: 1.75rem 0; font-size: 1.02rem; }
.callout--tip { background: rgba(201,161,90,.12); border-left-color: var(--gold); }
.callout--warn { background: rgba(176,0,32,.06); border-left-color: #b00020; }

/* data tables in prose */
.data-table { width: 100%; border-collapse: collapse; margin: 1.5rem 0; font-size: .98rem; }
.data-table th { background: var(--oxford-blue); color: #fff; font-family: var(--font-ui); font-weight: 600; font-size: .78rem; letter-spacing: .06em; text-transform: uppercase; text-align: left; padding: .8rem 1rem; }
.data-table td { padding: .8rem 1rem; border-bottom: 1px solid var(--line); vertical-align: top; }
.data-table tr:nth-child(even) td { background: var(--paper); }

/* share / disclaimer */
.article-foot { max-width: 720px; margin: 2.5rem auto 0; }
.disclaimer { font-size: .85rem; color: var(--text-soft); background: var(--paper-2); border-radius: 12px; padding: 1.1rem 1.3rem; margin-top: 2rem; }

/* ---- Guide / download cards ------------------------------------------ */
.guide-card { display: flex; gap: 1.1rem; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.5rem; transition: transform .3s var(--ease), box-shadow .3s var(--ease); height: 100%; }
.guide-card:hover { transform: translateY(-5px); box-shadow: var(--shadow); }
.guide-ico { flex-shrink: 0; width: 54px; height: 54px; border-radius: 14px; background: var(--oxford-blue); color: var(--gold); display: grid; place-items: center; font-size: 1.5rem; }
.guide-card h4 { font-size: 1.18rem; text-transform: none; margin-bottom: .35rem; }
.guide-card p { color: var(--text-soft); font-size: .92rem; margin-bottom: .75rem; }
.guide-card .guide-meta { font-family: var(--font-ui); font-size: .72rem; letter-spacing: .06em; text-transform: uppercase; color: var(--battleship); }
.guide-card .btn-text { margin-top: .6rem; }

/* ---- Tax calendar ----------------------------------------------------- */
.cal-list { display: grid; gap: 1rem; max-width: 860px; margin-inline: auto; }
.cal-row { display: grid; grid-template-columns: 120px 1fr; gap: 1.5rem; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.4rem 1.6rem; align-items: start; transition: border-color .3s var(--ease), transform .3s var(--ease); }
.cal-row:hover { border-color: var(--oxford-blue); transform: translateX(4px); }
.cal-when { font-family: var(--font-display); font-weight: 700; font-size: 1.5rem; color: var(--oxford-blue); line-height: 1; }
.cal-when small { display: block; font-family: var(--font-ui); font-size: .68rem; letter-spacing: .1em; text-transform: uppercase; color: var(--gold); margin-top: .3rem; font-weight: 700; }
.cal-body h4 { font-size: 1.2rem; text-transform: none; margin-bottom: .3rem; }
.cal-who { font-family: var(--font-ui); font-size: .72rem; letter-spacing: .06em; text-transform: uppercase; color: var(--battleship); margin-bottom: .5rem; }
.cal-body p { color: var(--text-soft); font-size: .95rem; margin: 0; }
@media (max-width: 560px) { .cal-row { grid-template-columns: 1fr; gap: .5rem; } }

/* ---- Newsletter band -------------------------------------------------- */
.newsletter { position: relative; overflow: hidden; border-radius: var(--radius-lg); padding: clamp(2.5rem,5vw,3.5rem); text-align: center; }
.newsletter h2 { color: #fff; text-transform: uppercase; font-size: clamp(1.8rem,3.5vw,2.6rem); }
.newsletter p { color: #c4c7d8; max-width: 48ch; margin-inline: auto; }
.newsletter-form { display: flex; gap: .75rem; max-width: 520px; margin: 1.75rem auto 0; }
.newsletter-form input { flex: 1; padding: .95rem 1.2rem; border: 1.5px solid rgba(255,255,255,.25); border-radius: 999px; background: rgba(255,255,255,.08); color: #fff; font-family: var(--font-body); font-size: 1rem; }
.newsletter-form input::placeholder { color: #9ea2bc; }
.newsletter-form input:focus { outline: none; border-color: var(--gold); background: rgba(255,255,255,.14); }
@media (max-width: 520px) { .newsletter-form { flex-direction: column; border-radius: 16px; } .newsletter-form .btn { justify-content: center; } }
.newsletter .note { font-size: .8rem; color: #9ea2bc; margin-top: 1rem; }