/* ==========================================================================
   SCM Partners — Core Stylesheet
   Style: Modern Private-Advisory
   ========================================================================== */

:root{
  --navy:#0B1F33;
  --navy-deep:#071523;
  --navy-mid:#123049;
  --ink:#1A222B;
  --slate:#5B6B7A;
  --slate-light:#8A98A5;
  --gold:#C6A664;
  --gold-bright:#D9BC80;
  --gold-deep:#A8873F;
  --cream:#F8F5F0;
  --cream-dark:#EFE9E0;
  --line:#E2DCD2;
  --white:#FFFFFF;

  --serif:'Playfair Display', 'Iowan Old Style', Georgia, 'Times New Roman', serif;
  --sans:'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;

  --wrap:1200px;
  --wrap-narrow:820px;
  --radius:2px;
  --shadow-sm:0 1px 3px rgba(11,31,51,.06), 0 6px 20px rgba(11,31,51,.05);
  --shadow-md:0 4px 12px rgba(11,31,51,.08), 0 18px 48px rgba(11,31,51,.10);
  --ease:cubic-bezier(.22,.61,.36,1);
}

/* ---------- Reset ---------- */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;
  font-family:var(--sans);
  font-size:17px;
  line-height:1.75;
  color:var(--ink);
  background:var(--white);
  -webkit-font-smoothing:antialiased;
  -moz-osx-font-smoothing:grayscale;
  overflow-x:hidden;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-decoration:none;transition:color .25s var(--ease)}
a:hover{color:var(--gold-deep)}
h1,h2,h3,h4{font-family:var(--serif);font-weight:600;color:var(--navy);margin:0 0 .6em;letter-spacing:-.01em;line-height:1.16}
h1{font-size:clamp(2.4rem,5.2vw,4.05rem);line-height:1.08;letter-spacing:-.025em}
h2{font-size:clamp(1.95rem,3.5vw,2.85rem);line-height:1.14;letter-spacing:-.018em}
h3{font-size:clamp(1.22rem,1.7vw,1.44rem);line-height:1.28}
h4{font-size:1.05rem;font-family:var(--sans);font-weight:650;letter-spacing:-.005em}
p{margin:0 0 1.15em}
ul,ol{margin:0 0 1.15em;padding-left:1.15em}
li{margin-bottom:.5em}
strong{font-weight:650;color:var(--navy)}
::selection{background:var(--gold);color:var(--navy-deep)}

/* ---------- Layout ---------- */
.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 32px}
.wrap-narrow{width:100%;max-width:var(--wrap-narrow);margin:0 auto;padding:0 32px}
.section{padding:112px 0}
.section-sm{padding:76px 0}
.section-lg{padding:140px 0}
.bg-cream{background:var(--cream)}
.bg-navy{background:var(--navy);color:rgba(255,255,255,.82)}
.bg-navy h1,.bg-navy h2,.bg-navy h3,.bg-navy h4{color:var(--white)}
.bg-navy a{color:var(--gold-bright)}
.center{text-align:center}
.mw-680{max-width:680px}
.mw-720{max-width:720px}
.mx-auto{margin-left:auto;margin-right:auto}

/* ---------- Type helpers ---------- */
.eyebrow{
  font-family:var(--sans);
  font-size:.72rem;
  font-weight:650;
  letter-spacing:.22em;
  text-transform:uppercase;
  color:var(--gold-deep);
  margin:0 0 20px;
  display:flex;
  align-items:center;
  gap:14px;
}
.eyebrow::before{content:"";width:32px;height:1px;background:var(--gold);flex:none}
.eyebrow.center-eyebrow{justify-content:center}
.bg-navy .eyebrow{color:var(--gold-bright)}
.lede{font-size:clamp(1.08rem,1.5vw,1.24rem);line-height:1.66;color:var(--slate)}
.bg-navy .lede{color:rgba(255,255,255,.76)}
.rule{width:56px;height:2px;background:var(--gold);border:0;margin:0 0 30px}
.rule.center-rule{margin-left:auto;margin-right:auto}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:10px;
  font-family:var(--sans);
  font-size:.84rem;
  font-weight:650;
  letter-spacing:.10em;
  text-transform:uppercase;
  padding:17px 34px;
  border:1px solid transparent;
  border-radius:var(--radius);
  cursor:pointer;
  transition:all .3s var(--ease);
  text-align:center;
  line-height:1.2;
}
.btn-primary{background:var(--gold);color:var(--navy-deep);border-color:var(--gold)}
.btn-primary:hover{background:var(--gold-bright);border-color:var(--gold-bright);color:var(--navy-deep);transform:translateY(-2px);box-shadow:0 10px 26px rgba(198,166,100,.34)}
.btn-outline{background:transparent;color:var(--navy);border-color:rgba(11,31,51,.28)}
.btn-outline:hover{border-color:var(--navy);background:var(--navy);color:var(--white);transform:translateY(-2px)}
.btn-light{background:transparent;color:var(--white);border-color:rgba(255,255,255,.42)}
.btn-light:hover{background:var(--white);color:var(--navy);border-color:var(--white);transform:translateY(-2px)}
.btn-row{display:flex;flex-wrap:wrap;gap:14px;margin-top:34px}
.btn-row.center-row{justify-content:center}

.link-arrow{
  display:inline-flex;align-items:center;gap:9px;
  font-size:.8rem;font-weight:650;letter-spacing:.10em;text-transform:uppercase;
  color:var(--gold-deep);
}
.link-arrow::after{content:"→";transition:transform .28s var(--ease);font-size:1rem}
.link-arrow:hover{color:var(--navy)}
.link-arrow:hover::after{transform:translateX(6px)}

/* ---------- Header ---------- */
.site-header{
  position:fixed;top:0;left:0;right:0;z-index:900;
  padding:22px 0;
  transition:background .35s var(--ease), padding .35s var(--ease), box-shadow .35s var(--ease), border-color .35s var(--ease);
  border-bottom:1px solid transparent;
}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:28px}
.site-header.solid{background:rgba(255,255,255,.97);backdrop-filter:saturate(180%) blur(14px);padding:14px 0;box-shadow:0 1px 20px rgba(11,31,51,.09);border-bottom-color:var(--line)}

.brand{display:flex;align-items:center;gap:13px;flex:none}
.brand-mark{
  width:42px;height:42px;flex:none;
  border:1.5px solid var(--gold);
  display:flex;align-items:center;justify-content:center;
  font-family:var(--serif);font-size:.98rem;font-weight:600;letter-spacing:.02em;
  color:var(--gold);
  transition:all .35s var(--ease);
}
.brand-text{display:flex;flex-direction:column;line-height:1.1}
.brand-name{font-family:var(--serif);font-size:1.18rem;font-weight:600;color:var(--white);letter-spacing:.01em;transition:color .35s var(--ease)}
.brand-sub{font-size:.60rem;letter-spacing:.24em;text-transform:uppercase;color:rgba(255,255,255,.62);font-weight:600;margin-top:3px;transition:color .35s var(--ease)}
.site-header.solid .brand-name{color:var(--navy)}
.site-header.solid .brand-sub{color:var(--slate)}
.site-header.solid .brand-mark{border-color:var(--gold-deep);color:var(--gold-deep)}

.nav{display:flex;align-items:center;gap:34px}
.nav a{
  font-size:.815rem;font-weight:550;letter-spacing:.055em;text-transform:uppercase;
  color:rgba(255,255,255,.88);position:relative;padding:6px 0;
}
.nav a::after{content:"";position:absolute;left:0;bottom:0;width:0;height:1.5px;background:var(--gold);transition:width .3s var(--ease)}
.nav a:hover::after,.nav a.active::after{width:100%}
.nav a:hover,.nav a.active{color:var(--white)}
.site-header.solid .nav a{color:var(--slate)}
.site-header.solid .nav a:hover,.site-header.solid .nav a.active{color:var(--navy)}
.nav .btn{padding:13px 26px;font-size:.75rem}
.site-header.solid .nav .btn-light{color:var(--navy);border-color:rgba(11,31,51,.3)}
.site-header.solid .nav .btn-light:hover{background:var(--navy);color:var(--white);border-color:var(--navy)}

/* Header on light-background pages (interior heroes still dark, so default holds) */
.nav-toggle{
  display:none;background:none;border:0;cursor:pointer;padding:8px;flex:none;
  width:42px;height:42px;position:relative;
}
.nav-toggle span{
  display:block;width:24px;height:1.5px;background:var(--white);margin:5px auto;
  transition:all .3s var(--ease);
}
.site-header.solid .nav-toggle span{background:var(--navy)}
.nav-toggle.open span:nth-child(1){transform:translateY(6.5px) rotate(45deg)}
.nav-toggle.open span:nth-child(2){opacity:0}
.nav-toggle.open span:nth-child(3){transform:translateY(-6.5px) rotate(-45deg)}

/* ---------- Hero ---------- */
.hero{
  position:relative;
  min-height:88vh;
  display:flex;align-items:center;
  padding:150px 0 110px;
  background:var(--navy-deep);
  overflow:hidden;
}
.hero-bg{position:absolute;inset:0;z-index:0}
.hero-bg img{width:100%;height:100%;object-fit:cover;object-position:center 42%}
.hero-bg::after{
  content:"";position:absolute;inset:0;
  background:linear-gradient(105deg, rgba(7,21,35,.94) 0%, rgba(7,21,35,.85) 42%, rgba(11,31,51,.58) 72%, rgba(11,31,51,.42) 100%);
}
.hero .wrap{position:relative;z-index:2}
.hero-inner{max-width:760px}
.hero h1{color:var(--white);margin-bottom:26px}
.hero h1 em{font-style:italic;color:var(--gold-bright)}
.hero .lede{color:rgba(255,255,255,.80);max-width:610px;font-size:clamp(1.06rem,1.5vw,1.22rem)}
.hero .eyebrow{color:var(--gold-bright)}

.hero-sub{
  position:relative;z-index:2;
  border-top:1px solid rgba(255,255,255,.14);
  margin-top:64px;padding-top:34px;
  display:flex;flex-wrap:wrap;gap:14px 52px;
}
.hero-sub span{
  font-size:.76rem;letter-spacing:.14em;text-transform:uppercase;
  color:rgba(255,255,255,.62);font-weight:600;
  display:flex;align-items:center;gap:10px;
}
.hero-sub span::before{content:"";width:5px;height:5px;background:var(--gold);flex:none;transform:rotate(45deg)}

/* Interior page hero */
.page-hero{
  position:relative;background:var(--navy-deep);
  padding:196px 0 92px;overflow:hidden;
}
.page-hero-bg{position:absolute;inset:0;z-index:0}
.page-hero-bg img{width:100%;height:100%;object-fit:cover;object-position:center 45%}
.page-hero-bg::after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(7,21,35,.95) 0%,rgba(7,21,35,.88) 50%,rgba(11,31,51,.68) 100%)}
.page-hero .wrap{position:relative;z-index:2}
.page-hero h1{color:var(--white);max-width:880px;margin-bottom:22px;font-size:clamp(2.15rem,4.2vw,3.35rem)}
.page-hero .lede{color:rgba(255,255,255,.78);max-width:660px}
.page-hero .eyebrow{color:var(--gold-bright)}

/* ---------- Grids ---------- */
.grid{display:grid;gap:34px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:76px;align-items:center}
.split-wide{grid-template-columns:1.08fr .92fr}
.split-media{position:relative}
.split-media img{width:100%;aspect-ratio:4/5;object-fit:cover}
.split-media.wide img{aspect-ratio:5/4}
.split-media::after{
  content:"";position:absolute;right:-18px;bottom:-18px;
  width:130px;height:130px;border-right:2px solid var(--gold);border-bottom:2px solid var(--gold);
  z-index:-1;
}

/* ---------- Cards ---------- */
.card{
  background:var(--white);
  border:1px solid var(--line);
  padding:40px 34px;
  transition:all .35s var(--ease);
  position:relative;
  display:flex;flex-direction:column;
  height:100%;
}
.card::before{content:"";position:absolute;left:0;top:0;width:100%;height:2px;background:var(--gold);transform:scaleX(0);transform-origin:left;transition:transform .4s var(--ease)}
.card:hover{transform:translateY(-5px);box-shadow:var(--shadow-md);border-color:transparent}
.card:hover::before{transform:scaleX(1)}
.card h3{margin-bottom:12px}
.card p{color:var(--slate);font-size:.955rem;line-height:1.68;margin-bottom:0}
.card p + p{margin-top:.9em}
.card .card-num{
  font-family:var(--serif);font-size:.95rem;color:var(--gold-deep);
  letter-spacing:.14em;margin-bottom:20px;display:block;font-weight:600;
}
.card ul{margin-top:16px;padding-left:0;list-style:none}
.card ul li{
  position:relative;padding-left:20px;font-size:.9rem;color:var(--slate);
  margin-bottom:8px;line-height:1.6;
}
.card ul li::before{content:"";position:absolute;left:0;top:.62em;width:6px;height:1.5px;background:var(--gold)}
.card .link-arrow{margin-top:auto;padding-top:24px}

.card-icon{
  width:46px;height:46px;margin-bottom:24px;
  display:flex;align-items:center;justify-content:center;
  border:1px solid var(--gold);color:var(--gold-deep);flex:none;
}
.card-icon svg{width:22px;height:22px;stroke:currentColor;fill:none;stroke-width:1.4}

/* Service card with image */
.svc-card{background:var(--white);border:1px solid var(--line);transition:all .35s var(--ease);display:flex;flex-direction:column;height:100%}
.svc-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-md);border-color:transparent}
.svc-card-img{overflow:hidden;aspect-ratio:16/10}
.svc-card-img img{width:100%;height:100%;object-fit:cover;transition:transform .7s var(--ease)}
.svc-card:hover .svc-card-img img{transform:scale(1.05)}
.svc-card-body{padding:32px 30px 34px;display:flex;flex-direction:column;flex:1}
.svc-card-body h3{font-size:1.28rem;margin-bottom:11px}
.svc-card-body p{color:var(--slate);font-size:.94rem;line-height:1.66;margin-bottom:0}
.svc-card-body .link-arrow{margin-top:auto;padding-top:22px}

/* ---------- Stat band ---------- */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-top:1px solid var(--line)}
.stats > div{padding:44px 26px;border-right:1px solid var(--line);text-align:center}
.stats > div:last-child{border-right:0}
.stat-num{font-family:var(--serif);font-size:clamp(2.2rem,3.4vw,3rem);color:var(--navy);line-height:1;margin-bottom:12px;font-weight:600}
.stat-num span{color:var(--gold)}
.stat-label{font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--slate);font-weight:600;line-height:1.5}
.bg-navy .stats{border-top-color:rgba(255,255,255,.14)}
.bg-navy .stats > div{border-right-color:rgba(255,255,255,.14)}
.bg-navy .stat-num{color:var(--white)}
.bg-navy .stat-label{color:rgba(255,255,255,.62)}

/* ---------- Process steps ---------- */
.steps{display:grid;gap:0;counter-reset:step}
.step{
  display:grid;grid-template-columns:120px 1fr;gap:44px;
  padding:44px 0;border-top:1px solid var(--line);align-items:start;
}
.step:last-child{border-bottom:1px solid var(--line)}
.step-num{
  font-family:var(--serif);font-size:2.9rem;color:var(--cream-dark);line-height:1;font-weight:600;
  transition:color .35s var(--ease);
}
.step:hover .step-num{color:var(--gold)}
.step-body h3{margin-bottom:11px}
.step-body p{color:var(--slate);margin-bottom:0;max-width:640px}

/* ---------- Quote / positioning band ---------- */
.quote-band{
  position:relative;background:var(--navy-deep);padding:128px 0;overflow:hidden;
}
.quote-band-bg{position:absolute;inset:0;z-index:0}
.quote-band-bg img{width:100%;height:100%;object-fit:cover}
.quote-band-bg::after{content:"";position:absolute;inset:0;background:rgba(7,21,35,.86)}
.quote-band .wrap{position:relative;z-index:2}
.quote-band blockquote{
  margin:0;font-family:var(--serif);font-style:italic;
  font-size:clamp(1.5rem,2.9vw,2.4rem);line-height:1.4;color:var(--white);
  max-width:900px;letter-spacing:-.012em;
}
.quote-band cite{
  display:block;margin-top:32px;font-family:var(--sans);font-style:normal;
  font-size:.76rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-bright);font-weight:600;
}

/* ---------- CTA band ---------- */
.cta-band{position:relative;padding:132px 0;background:var(--navy-deep);overflow:hidden;text-align:center}
.cta-band-bg{position:absolute;inset:0;z-index:0}
.cta-band-bg img{width:100%;height:100%;object-fit:cover}
.cta-band-bg::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(7,21,35,.90),rgba(7,21,35,.94))}
.cta-band .wrap{position:relative;z-index:2}
.cta-band h2{color:var(--white);max-width:760px;margin:0 auto .22em}
.cta-band p{color:rgba(255,255,255,.78);max-width:600px;margin:0 auto}

/* ---------- Feature list ---------- */
.feature-list{list-style:none;padding:0;margin:28px 0 0}
.feature-list li{
  position:relative;padding-left:34px;margin-bottom:18px;
  color:var(--slate);line-height:1.66;
}
.feature-list li::before{
  content:"";position:absolute;left:0;top:.44em;width:16px;height:16px;
  border:1px solid var(--gold);
}
.feature-list li::after{
  content:"";position:absolute;left:5px;top:.72em;width:6px;height:3px;
  border-left:1.5px solid var(--gold-deep);border-bottom:1.5px solid var(--gold-deep);
  transform:rotate(-45deg);
}
.feature-list li strong{display:block;color:var(--navy);font-weight:650;margin-bottom:2px}
.bg-navy .feature-list li{color:rgba(255,255,255,.76)}
.bg-navy .feature-list li strong{color:var(--white)}

/* ---------- Industry tags ---------- */
.tag-cloud{display:flex;flex-wrap:wrap;gap:10px;margin-top:32px}
.tag{
  border:1px solid var(--line);padding:9px 18px;font-size:.8rem;
  color:var(--slate);letter-spacing:.03em;transition:all .3s var(--ease);
  background:var(--white);
}
.tag:hover{border-color:var(--gold);color:var(--navy)}
.bg-navy .tag{background:transparent;border-color:rgba(255,255,255,.2);color:rgba(255,255,255,.74)}
.bg-navy .tag:hover{border-color:var(--gold);color:var(--white)}

/* ---------- Forms ---------- */
.form-shell{
  background:var(--white);border:1px solid var(--line);
  padding:52px 48px;box-shadow:var(--shadow-sm);
}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.field{display:flex;flex-direction:column;margin-bottom:22px}
.field.full{grid-column:1/-1}
.field label{
  font-size:.74rem;letter-spacing:.13em;text-transform:uppercase;
  font-weight:650;color:var(--navy);margin-bottom:9px;
}
.field label .req{color:var(--gold-deep)}
.field input,.field select,.field textarea{
  font-family:var(--sans);font-size:1rem;color:var(--ink);
  padding:14px 16px;border:1px solid var(--line);border-radius:var(--radius);
  background:var(--white);transition:all .25s var(--ease);width:100%;
}
.field textarea{resize:vertical;min-height:140px;line-height:1.6}
.field select{appearance:none;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8'%3E%3Cpath fill='none' stroke='%235B6B7A' stroke-width='1.4' d='M1 1.5 6 6.5 11 1.5'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 16px center;background-size:12px;padding-right:44px;cursor:pointer}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(198,166,100,.15);
}
.field .hint{font-size:.8rem;color:var(--slate-light);margin-top:7px;line-height:1.5}
.field.error input,.field.error select,.field.error textarea{border-color:#C0392B;box-shadow:0 0 0 3px rgba(192,57,43,.1)}
.field .err-msg{display:none;font-size:.79rem;color:#C0392B;margin-top:6px;font-weight:550}
.field.error .err-msg{display:block}

.checkbox-field{display:flex;gap:13px;align-items:flex-start;margin-bottom:26px}
.checkbox-field input[type="checkbox"]{
  width:18px;height:18px;flex:none;margin-top:4px;accent-color:var(--gold-deep);cursor:pointer;
}
.checkbox-field label{
  font-size:.86rem;color:var(--slate);line-height:1.6;text-transform:none;
  letter-spacing:0;font-weight:400;margin:0;cursor:pointer;
}
.checkbox-field a{text-decoration:underline;text-underline-offset:2px}

.hp-field{position:absolute!important;left:-9999px!important;width:1px!important;height:1px!important;overflow:hidden!important}

.form-note{font-size:.84rem;color:var(--slate-light);line-height:1.6;margin-top:22px}
.form-alert{padding:16px 20px;border-left:3px solid;margin-bottom:28px;font-size:.93rem;line-height:1.6}
.form-alert.ok{background:#F0F7F2;border-color:#3C8A5A;color:#255B3A}
.form-alert.bad{background:#FBF1F0;border-color:#C0392B;color:#8E2B20}

/* ---------- Contact info blocks ---------- */
.contact-list{list-style:none;padding:0;margin:0}
.contact-list li{display:flex;gap:18px;padding:24px 0;border-bottom:1px solid var(--line);margin:0}
.contact-list li:last-child{border-bottom:0}
.contact-ico{
  width:40px;height:40px;flex:none;border:1px solid var(--gold);
  display:flex;align-items:center;justify-content:center;color:var(--gold-deep);
}
.contact-ico svg{width:18px;height:18px;stroke:currentColor;fill:none;stroke-width:1.5}
.contact-meta .k{font-size:.7rem;letter-spacing:.16em;text-transform:uppercase;color:var(--slate-light);font-weight:650;margin-bottom:5px}
.contact-meta .v{font-size:1.02rem;color:var(--navy);font-weight:550;line-height:1.5}
.contact-meta .v a{color:var(--navy)}
.contact-meta .v a:hover{color:var(--gold-deep)}
.contact-meta .sub{font-size:.85rem;color:var(--slate);margin-top:3px}

/* ---------- FAQ / accordion ---------- */
.faq-item{border-bottom:1px solid var(--line)}
.faq-q{
  width:100%;background:none;border:0;text-align:left;cursor:pointer;
  padding:26px 44px 26px 0;position:relative;
  font-family:var(--serif);font-size:1.16rem;font-weight:600;color:var(--navy);
  line-height:1.4;
}
.faq-q::after{
  content:"";position:absolute;right:6px;top:50%;width:12px;height:12px;
  border-right:1.5px solid var(--gold-deep);border-bottom:1.5px solid var(--gold-deep);
  transform:translateY(-70%) rotate(45deg);transition:transform .32s var(--ease);
}
.faq-item.open .faq-q::after{transform:translateY(-25%) rotate(-135deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .42s var(--ease)}
.faq-a-inner{padding:0 44px 28px 0;color:var(--slate);line-height:1.72}
.faq-a-inner p:last-child{margin-bottom:0}

/* ---------- Disclosure box ---------- */
.disclosure{
  background:var(--cream);border-left:3px solid var(--gold);
  padding:28px 32px;margin:40px 0;
}
.disclosure h4{font-size:.74rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:12px;font-weight:700}
.disclosure p{font-size:.9rem;color:var(--slate);line-height:1.68;margin-bottom:0}
.disclosure p + p{margin-top:.85em}

/* ---------- Legal / long-form pages ---------- */
.legal h2{font-size:1.5rem;margin-top:52px;margin-bottom:16px}
.legal h2:first-of-type{margin-top:0}
.legal h3{font-size:1.12rem;margin-top:32px;margin-bottom:10px}
.legal p,.legal li{color:var(--slate);font-size:.98rem;line-height:1.78}
.legal .updated{font-size:.82rem;letter-spacing:.1em;text-transform:uppercase;color:var(--slate-light);font-weight:600;margin-bottom:44px}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy-deep);color:rgba(255,255,255,.62);padding:88px 0 0;font-size:.94rem}
.footer-top{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:52px;padding-bottom:60px}
.site-footer .brand-name{color:var(--white)}
.site-footer .brand-sub{color:rgba(255,255,255,.5)}
.footer-about{max-width:330px;margin-top:24px;line-height:1.72;color:rgba(255,255,255,.6);font-size:.92rem}
.footer-col h4{
  font-family:var(--sans);font-size:.7rem;letter-spacing:.18em;text-transform:uppercase;
  color:var(--gold);margin-bottom:22px;font-weight:700;
}
.footer-col ul{list-style:none;padding:0;margin:0}
.footer-col li{margin-bottom:12px}
.footer-col a{color:rgba(255,255,255,.66);font-size:.92rem}
.footer-col a:hover{color:var(--gold-bright)}
.footer-contact-line{color:rgba(255,255,255,.66);margin-bottom:12px;line-height:1.6}
.footer-contact-line a{color:rgba(255,255,255,.86);font-weight:550}
.footer-contact-line a:hover{color:var(--gold-bright)}
.footer-legal{
  border-top:1px solid rgba(255,255,255,.11);padding:28px 0 34px;
  display:flex;flex-wrap:wrap;gap:14px 32px;justify-content:space-between;align-items:center;
  font-size:.83rem;color:rgba(255,255,255,.44);
}
.footer-legal-links{display:flex;flex-wrap:wrap;gap:24px}
.footer-legal a{color:rgba(255,255,255,.52)}
.footer-legal a:hover{color:var(--gold-bright)}
.footer-disclaimer{
  border-top:1px solid rgba(255,255,255,.11);
  padding:26px 0 40px;font-size:.79rem;line-height:1.7;color:rgba(255,255,255,.4);
}

/* ---------- Reveal on scroll ---------- */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .75s var(--ease),transform .75s var(--ease)}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  .reveal{opacity:1;transform:none;transition:none}
  html{scroll-behavior:auto}
  *{animation-duration:.01ms!important;transition-duration:.01ms!important}
}

/* ---------- Skip link ---------- */
.skip-link{
  position:absolute;left:-9999px;top:0;background:var(--gold);color:var(--navy-deep);
  padding:12px 20px;z-index:1000;font-weight:650;font-size:.85rem;
}
.skip-link:focus{left:0}

/* ---------- Responsive ---------- */
@media (max-width:1040px){
  .footer-top{grid-template-columns:1fr 1fr;gap:44px}
  .grid-4{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:900px){
  body{font-size:16.5px}
  .section{padding:84px 0}
  .section-lg{padding:96px 0}
  .section-sm{padding:60px 0}
  .wrap,.wrap-narrow{padding:0 24px}

  .nav-toggle{display:block;z-index:20}
  .nav{
    position:fixed;inset:0;background:var(--navy-deep);
    flex-direction:column;justify-content:center;gap:8px;
    transform:translateX(100%);transition:transform .42s var(--ease);
    padding:100px 32px 40px;overflow-y:auto;
  }
  .nav.open{transform:translateX(0)}
  .nav a{font-size:1.28rem;font-family:var(--serif);text-transform:none;letter-spacing:0;color:rgba(255,255,255,.9);padding:14px 0}
  .site-header.solid .nav a{color:rgba(255,255,255,.9)}
  .nav a::after{display:none}
  .nav .btn{margin-top:22px;font-size:.82rem;padding:16px 32px}
  .site-header.solid .nav .btn-light{color:var(--white);border-color:rgba(255,255,255,.42)}

  .split{grid-template-columns:1fr;gap:48px}
  .split-wide{grid-template-columns:1fr}
  .split-media::after{display:none}
  .grid-3,.grid-2{grid-template-columns:1fr}
  .stats{grid-template-columns:1fr 1fr}
  .stats > div{border-bottom:1px solid var(--line)}
  .stats > div:nth-child(2n){border-right:0}
  .bg-navy .stats > div{border-bottom-color:rgba(255,255,255,.14)}
  .hero{min-height:auto;padding:132px 0 84px}
  .page-hero{padding:150px 0 68px}
  .form-grid{grid-template-columns:1fr;gap:0}
  .form-shell{padding:36px 26px}
  .step{grid-template-columns:1fr;gap:14px;padding:36px 0}
  .step-num{font-size:2.2rem}
  .quote-band{padding:88px 0}
  .cta-band{padding:92px 0}
  .footer-top{grid-template-columns:1fr;gap:40px;padding-bottom:44px}
  .hero-sub{gap:12px 30px;margin-top:44px}
}
@media (max-width:520px){
  .wrap,.wrap-narrow{padding:0 20px}
  .stats{grid-template-columns:1fr}
  .stats > div{border-right:0}
  .btn{width:100%}
  .btn-row{flex-direction:column}
  .nav .btn{width:auto}
  .brand-sub{display:none}
  .card{padding:32px 26px}
}