/* ==========================================================================
   Prevail Finance — site.css v2
   Design System v1.0: Sage = primary CTA exclusively · Copper marks, never fills
   Stone default bg · translucent nav · Sora states, Inter explains
   ========================================================================== */
:root{
  --tel:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6.6 10.8a15.1 15.1 0 006.6 6.6l2.2-2.2a1 1 0 011-.24 11.4 11.4 0 003.6.58 1 1 0 011 1V20a1 1 0 01-1 1A17 17 0 013 4a1 1 0 011-1h3.5a1 1 0 011 1 11.4 11.4 0 00.58 3.6 1 1 0 01-.25 1z'/%3E%3C/svg%3E");
  --navy:#0F2544; --ink:#1A1D23; --stone:#F4F3EF; --copper:#B6733F; --copper-text:#9B6236; --copper-navy:#BF7C47;
  --sage:#8FAE92; --graphite:#2B2F36; --white:#FFFFFF;
  --line:rgba(26,29,35,.07); --chip:rgba(26,29,35,.14);
  --nav64:rgba(255,255,255,.64); --nav78:rgba(255,255,255,.78); --line-inv:rgba(255,255,255,.16);
  --f-d:'Sora',system-ui,sans-serif; --f-b:'Inter',system-ui,sans-serif;
  --wrap:1320px; --gut:clamp(20px,5vw,48px);
  --sp:clamp(4rem,9vw,10rem);
  --ez:cubic-bezier(.215,.61,.355,1); /* power3.out */
  --sh1:0 1px 2px rgba(15,37,68,.05),0 4px 14px rgba(15,37,68,.06);
  --sh2:0 2px 4px rgba(15,37,68,.06),0 14px 34px rgba(15,37,68,.11);
  --r-s:4px; --r-m:10px; --r-l:16px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--stone);color:var(--ink);font-family:var(--f-b);
  font-size:1rem;line-height:1.6;font-weight:400;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{margin:0;font-family:var(--f-d)}
h1{font-weight:600;font-size:clamp(2.1rem,7.5vw,4.6rem);line-height:1.05;letter-spacing:-.02em}
.h1-display{font-size:clamp(2.35rem,9.5vw,6rem);line-height:1.02}
h2{font-weight:600;font-size:clamp(1.65rem,6vw,3.4rem);line-height:1.08;letter-spacing:-.015em}
h3{font-weight:500;font-size:clamp(1.375rem,4vw,1.75rem);line-height:1.22;letter-spacing:-.005em}
h4{font-weight:500;font-size:1.125rem;line-height:1.3}
p{margin:0 0 1.15em}p:last-child{margin-bottom:0}
a{color:inherit}strong,b{font-weight:600}
img{max-width:100%;height:auto;display:block}
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:12px 20px;z-index:400;font-weight:600}
.skip:focus{left:0}
:focus-visible{outline:none;box-shadow:0 0 0 2px var(--stone),0 0 0 4px var(--navy);border-radius:4px;transition:box-shadow .2s}
.s-navy :focus-visible,.s-graphite :focus-visible{box-shadow:0 0 0 2px var(--navy),0 0 0 4px var(--sage)}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* layout */
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gut)}
.wrap-n{max-width:860px;margin:0 auto;padding:0 var(--gut)}
section{padding:var(--sp) 0}
.s-tight{padding:calc(var(--sp)*.55) 0}
.s-stone{background:var(--stone)}
.s-white{background:var(--white)}
.s-navy{background:var(--navy);color:#fff}
.s-graphite{background:var(--graphite);color:var(--nav78)}
/* 12-col grid, use 8: text blocks cap their measure and sit left */
.lede{font-family:var(--f-b);font-size:clamp(1.12rem,2.6vw,1.375rem);line-height:1.6;max-width:44em}
.body,.prose p{max-width:42em}
.small{font-size:.875rem;line-height:1.6}
.muted{color:var(--graphite);opacity:.8}
.s-navy .muted,.s-navy .lede{color:var(--nav78);opacity:1}
.h2-lead{max-width:20ch}.h2-wide{max-width:28ch}

/* eyebrow — per spec */
.eb{font-size:.8125rem;letter-spacing:.14em;text-transform:uppercase;color:var(--graphite);
  font-weight:500;display:flex;align-items:center;gap:.6rem;margin:0 0 1.1rem}
.eb::before{content:"";width:26px;height:1px;background:var(--copper);flex:none}
.s-navy .eb,.s-graphite .eb{color:var(--nav64)}

/* buttons — sage is the primary action, exclusively */
.btn{display:inline-flex;align-items:center;gap:10px;font-family:var(--f-d);font-weight:500;
  font-size:.9375rem;line-height:1;padding:1.05rem 1.7rem;border-radius:999px;text-decoration:none;
  border:0;cursor:pointer;will-change:transform;
  transition:transform .25s var(--ez),box-shadow .25s var(--ez),background .25s var(--ez)}
.btn-p,.btn-w{background:var(--sage);color:var(--navy)}
.btn-p:hover,.btn-w:hover{transform:scale(1.02);box-shadow:var(--sh2)}
.btn-p:active,.btn-w:active{transform:scale(.97);box-shadow:none}
.btn-o{background:transparent;color:inherit;box-shadow:inset 0 0 0 1px var(--chip)}
.s-navy .btn-o,.s-graphite .btn-o{box-shadow:inset 0 0 0 1px var(--line-inv)}
.btn-o:hover{transform:scale(1.02)}
.cta-note{font-size:.8125rem;line-height:1.5;margin-top:12px;color:var(--graphite);opacity:.85;max-width:44ch}
.s-navy .cta-note{color:var(--nav64);opacity:1}
.cta-block{margin-top:2.2rem}

/* nav — the signature */
.hdr{position:sticky;top:0;z-index:100;background:rgba(244,243,239,.88);
  -webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px);
  border-bottom:1px solid var(--line);transition:box-shadow .3s var(--ez),background .3s var(--ez)}
.hdr.scrolled{background:rgba(244,243,239,.95);box-shadow:0 6px 26px rgba(15,37,68,.09)}
.hdr-in{display:flex;align-items:center;gap:2rem;height:70px;max-width:94%;margin:0 auto;transition:height .3s var(--ez)}
.hdr.scrolled .hdr-in{height:58px}
.logo{display:inline-flex;align-items:center;text-decoration:none;flex:none;line-height:0}
.logo img{display:block;width:auto;height:40px;transition:height .3s var(--ez)}
.hdr.scrolled .logo img{height:36px}
.logo-ftr img{height:46px}
@media(max-width:960px){.logo img{height:34px}.logo-ftr img{height:42px}}
.nav{display:flex;gap:1.7rem;align-items:center;flex:1}
.nav a{font-size:.9375rem;color:var(--graphite);text-decoration:none;position:relative;padding:4px 0}
.nav a:not(.btn)::after{content:"";position:absolute;left:0;bottom:0;height:1px;width:100%;
  background:var(--copper);transform:scaleX(0);transform-origin:left;transition:transform .4s var(--ez)}
.nav a:not(.btn):hover::after,.nav a[aria-current]::after{transform:scaleX(1)}
.nav a[aria-current]{color:var(--navy)}
.hdr-call{margin-left:auto;font-size:.9375rem;font-weight:500;color:var(--graphite);text-decoration:none;white-space:nowrap}
.hdr-call:hover{color:var(--navy)}
.hdr .btn{padding:.62rem 1.15rem;font-size:.875rem}
.hdr-bare .hdr-in{justify-content:space-between}
.hdr-bare .back{font-size:.9375rem;color:var(--graphite);text-decoration:none}
.burger{display:none;margin-left:auto;background:none;border:0;color:var(--navy);padding:10px;cursor:pointer}
@media(max-width:960px){
  .nav{display:none;position:absolute;top:100%;left:0;right:0;background:rgba(244,243,239,.98);
    -webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px);
    flex-direction:column;align-items:stretch;gap:0;padding:8px var(--gut) 24px;border-bottom:1px solid var(--line)}
  .nav.open{display:flex}
  .nav a{padding:16px 0;border-bottom:1px solid var(--line);font-size:1.125rem}
  .nav .btn{margin-top:16px;justify-content:center}
  .burger{display:block}.hdr-call{display:none}
}

/* hero — light, oversized */
.hero{background:var(--stone);padding:clamp(3rem,5.5vw,5rem) 0 clamp(3.5rem,6vw,5.5rem)}
.hero h1{max-width:18ch;color:var(--navy)}
.hero .lede{margin-top:0;color:var(--graphite)}
.hero-claim{margin-top:1.5rem;background:var(--white);border-left:2px solid var(--copper);
  padding:1.25rem 1.5rem;max-width:34em;box-shadow:var(--sh1)}
.hero-claim strong{font-family:var(--f-d);font-weight:600;font-size:1.1rem;color:var(--navy)}
.hero-claim .small{color:var(--graphite);margin-top:.5rem}
.crumbs{font-size:.8125rem;color:var(--graphite);margin-bottom:1.4rem}
.crumbs a{text-decoration:none;color:var(--graphite)}
.crumbs a:hover{color:var(--navy)}
.trust{display:flex;flex-wrap:wrap;gap:10px 28px;align-items:center;margin-top:2.4rem;
  padding-top:1.5rem;border-top:1px solid var(--chip);font-size:.875rem;color:var(--graphite)}
.trust b{color:var(--navy);font-weight:600}
.stars{color:var(--copper);letter-spacing:1px}

/* lever rail — signature, clickable */
.railband{background:var(--navy);color:#fff;padding:clamp(2.6rem,5vw,4rem) 0}
.rail-lab{font-size:.8125rem;letter-spacing:.14em;text-transform:uppercase;color:var(--nav64);
  margin:0 0 1.4rem;font-weight:500;display:flex;align-items:center;gap:.6rem}
.rail-lab::before{content:"";width:26px;height:1px;background:var(--copper)}
.levers{display:grid;grid-template-columns:repeat(8,1fr);gap:10px}
.lever{position:relative;padding:1rem 0 .4rem;min-height:44px;background:none;border:0;text-align:left;cursor:pointer;font-family:var(--f-b)}
.lever::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:var(--line-inv);
  transition:background .5s var(--ez),transform .3s var(--ez)}
.lever span{display:block;font-size:.8125rem;font-weight:500;color:var(--nav64);line-height:1.3;transition:color .4s var(--ez)}
.lever.on::before{background:var(--copper)}
.lever.on span{color:#fff}
.lever.rate::before{background:rgba(255,255,255,.3)}
.lever:hover::before{transform:scaleY(1.8)}
.rail-note{margin-top:1.6rem;font-size:.9375rem;color:var(--nav78);max-width:34em}
.rail-note b{color:#fff}
@media(max-width:900px){.levers{grid-template-columns:repeat(4,1fr);gap:14px 10px}}
@media(max-width:460px){.levers{grid-template-columns:repeat(2,1fr)}}

/* cards — shadow elevation, no borders */
.g2{display:grid;grid-template-columns:repeat(2,1fr);gap:clamp(24px,3.4vw,48px)}
.g3{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(22px,3vw,36px)}
.g4{display:grid;grid-template-columns:repeat(4,1fr);gap:clamp(18px,2.4vw,28px)}
@media(max-width:900px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.g2,.g3,.g4{grid-template-columns:1fr}}
.card{background:var(--white);padding:clamp(24px,2.8vw,34px);height:100%;box-shadow:var(--sh1);border-radius:var(--r-m)}
.s-white .card{background:var(--stone);box-shadow:none}
.card h3{font-size:1.15rem;margin-bottom:.6rem;color:var(--navy)}
.card p{font-size:.9375rem;color:var(--graphite);margin:0}
a.card{text-decoration:none;display:block;transition:transform .3s var(--ez),box-shadow .3s var(--ez)}
a.card:hover{transform:translateY(-4px);box-shadow:var(--sh2)}
a.card .more{display:inline-block;margin-top:1rem;font-size:.875rem;font-weight:600;color:var(--copper)}

/* alternatives */
.alts{border-top:1px solid var(--chip);margin-top:2.6rem}
.alt{border-bottom:1px solid var(--chip);padding:1.7rem 0;display:grid;
  grid-template-columns:minmax(0,1fr) minmax(0,1.55fr);gap:clamp(16px,3vw,48px)}
.alt h3{font-size:1.2rem;color:var(--navy)}
.alt p{margin:0;color:var(--graphite);max-width:38em}
@media(max-width:700px){.alt{grid-template-columns:1fr;gap:8px}}
.alt-close{margin-top:2.4rem;font-family:var(--f-d);font-weight:600;
  font-size:clamp(1.3rem,2.8vw,1.6rem);line-height:1.3;max-width:30ch;color:var(--navy)}
.alt-close em{font-style:normal;color:var(--copper)}

/* checklist */
.checks{display:grid;gap:2px;margin-top:2.6rem;background:var(--line-inv)}
.check{background:var(--navy);padding:1.7rem clamp(20px,2.6vw,32px);display:flex;gap:18px;align-items:flex-start}
.check-b{flex:none;width:22px;height:22px;border:1.5px solid var(--sage);border-radius:4px;margin-top:2px;position:relative}
.check-b::after{content:"";position:absolute;left:6px;top:2px;width:6px;height:11px;
  border:solid var(--sage);border-width:0 1.5px 1.5px 0;transform:rotate(45deg) scale(0);
  transition:transform .4s var(--ez) .1s}
.check.on .check-b::after{transform:rotate(45deg) scale(1)}
.check h3{font-size:1.05rem;font-weight:500;margin-bottom:.4rem;color:#fff}
.check p{margin:0;font-size:.9375rem;color:var(--nav64);max-width:38em}
.check-close{margin-top:2.2rem;font-family:var(--f-d);font-weight:600;font-size:1.2rem;color:#fff;max-width:40ch}

/* guarantee */
.guar{background:var(--white);color:var(--ink);padding:clamp(32px,4.4vw,56px);
  border-top:3px solid var(--sage);margin-top:2.6rem;box-shadow:var(--sh2);border-radius:var(--r-m)}
.guar h3{font-size:clamp(1.3rem,2.8vw,1.7rem);font-weight:600;font-family:var(--f-d);max-width:24ch;
  margin-bottom:1.1rem;color:var(--navy)}
.guar p{color:var(--graphite);max-width:38em}
.guar .small{margin-top:1.1rem;padding-top:1.1rem;border-top:1px solid var(--line)}

/* levers detail */
.lv{border-top:1px solid var(--chip);padding:2rem 0;display:grid;
  grid-template-columns:minmax(0,.8fr) minmax(0,1.6fr);gap:clamp(14px,3vw,48px)}
.lv:last-of-type{border-bottom:1px solid var(--chip)}
.lv h3{font-size:1.3rem;color:var(--navy)}
.lv p{margin:0 0 1rem;color:var(--graphite);max-width:38em}
@media(max-width:760px){.lv{grid-template-columns:1fr;gap:10px}}

/* quotes */
.q{border-left:2px solid var(--copper);padding:2px 0 2px 20px;margin:0}
.q p{font-size:.9375rem;line-height:1.62;margin:0 0 .5rem;color:var(--graphite);font-style:italic;max-width:38em}
.q cite{font-style:normal;font-size:.8125rem;font-weight:600;color:var(--ink);display:block}
.q cite span{font-weight:400;color:var(--graphite)}
.s-navy .q p{color:var(--nav78)}.s-navy .q cite{color:#fff}.s-navy .q cite span{color:var(--nav64)}
.qcard{background:var(--white);padding:clamp(22px,2.6vw,32px);height:100%;box-shadow:var(--sh1);border-radius:var(--r-m)}
.s-white .qcard{background:var(--stone);box-shadow:none}
.qcard p{font-size:.9375rem;line-height:1.62;color:var(--graphite);font-style:italic}
.qcard cite{font-style:normal;font-size:.8125rem;font-weight:600;display:block;margin-top:1rem;
  padding-top:1rem;border-top:1px solid var(--line);color:var(--navy)}
.qcard cite span{display:block;font-weight:400;color:var(--graphite);margin-top:2px}

/* chairs */
.chair{border-top:1px solid var(--line-inv);padding:2.2rem 0}
.chair:first-of-type{border-top:0}
.chair-h{display:flex;align-items:baseline;gap:16px;margin-bottom:1rem}
.chair-h h3{font-family:var(--f-d);font-weight:600;font-size:clamp(1.6rem,3.6vw,2.2rem);color:#fff}
.chair-n{font-size:.75rem;font-weight:600;letter-spacing:.14em;color:var(--copper)}
.chair-body{display:grid;grid-template-columns:1fr 1fr;gap:clamp(20px,3vw,52px)}
.chair-body p{color:var(--nav78);font-size:.9375rem;max-width:38em}
.chair-so b{color:#fff;display:block;font-size:.75rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:.6rem;font-weight:600}
@media(max-width:760px){.chair-body{grid-template-columns:1fr;gap:18px}}

/* process flow — SVG spine + steps */
.flow{position:relative;margin-top:2.6rem}
.flow-svg{position:absolute;left:27px;top:0;height:100%;width:2px;overflow:visible}
.flow-svg line{stroke:var(--chip);stroke-width:2}
.flow-svg .ink{stroke:var(--copper);stroke-width:2;stroke-dasharray:1;stroke-dashoffset:1}
.step{display:grid;grid-template-columns:56px minmax(0,1fr);gap:clamp(14px,2vw,28px);padding:1.5rem 0;position:relative}
.step-n{font-family:var(--f-d);font-weight:600;font-size:.9375rem;color:var(--navy);
  width:34px;height:34px;border-radius:50%;background:var(--white);box-shadow:var(--sh1);
  display:flex;align-items:center;justify-content:center;position:relative;z-index:1;
  margin-left:10px;transition:background .4s var(--ez),color .4s var(--ez)}
.s-white .step-n{background:var(--stone);box-shadow:inset 0 0 0 1.5px var(--chip)}
.step.lit .step-n{background:var(--sage);color:var(--navy);box-shadow:none}
.step h3{font-size:1.1rem;margin-bottom:.4rem;color:var(--navy)}
.step p{margin:0;color:var(--graphite);font-size:.9375rem;max-width:38em}
.step-alt{background:var(--white);padding:1.4rem 1.6rem;margin:1.4rem 0 0 66px;border-left:2px solid var(--sage);box-shadow:var(--sh1);border-radius:0 var(--r-m) var(--r-m) 0}
.s-white .step-alt{background:var(--stone);box-shadow:none}
.step-alt p{margin:0;font-size:.9375rem;max-width:38em}
@media(max-width:640px){.step{grid-template-columns:46px 1fr}.step-alt{margin-left:56px}}

/* charts — Cole: grey + one highlight, direct labels, insight titles */
.chart{margin-top:2.4rem}
.chart-t{font-family:var(--f-d);font-weight:600;font-size:clamp(1.2rem,2.6vw,1.5rem);color:var(--navy);max-width:28ch;margin-bottom:1.6rem}
.s-navy .chart-t{color:#fff}
.bars{display:grid;gap:1.1rem}
.bar{display:grid;grid-template-columns:minmax(120px,220px) 1fr;gap:14px;align-items:center}
.bar-l{font-size:.875rem;color:var(--graphite);line-height:1.35}
.s-navy .bar-l{color:var(--nav78)}
.bar-track{position:relative;height:44px}
.bar-fill{position:absolute;left:0;top:0;height:100%;background:#DDDAD2;border-radius:var(--r-s);
  width:0;transition:width 1s var(--ez)}
.s-navy .bar-fill{background:rgba(255,255,255,.18)}
.bar.hi .bar-fill{background:var(--sage)}
.bar-v{position:absolute;left:12px;top:50%;transform:translateY(-50%);font-family:var(--f-d);
  font-weight:600;font-size:.9375rem;color:var(--navy);white-space:nowrap}
.s-navy .bar-v{color:#fff}.s-navy .bar.hi .bar-v{color:var(--navy)}
.chart-marker{position:absolute;top:-8px;bottom:-8px;width:2px;background:var(--copper)}
.chart-marker i{position:absolute;top:-1.5rem;left:-4px;font-style:normal;font-size:.75rem;color:var(--copper);white-space:nowrap;font-weight:600}
.chart-note{font-size:.8125rem;color:var(--graphite);margin-top:1.2rem;max-width:70ch;line-height:1.6}
.s-navy .chart-note{color:var(--nav64)}
details.workings{margin-top:1.4rem}
details.workings summary{cursor:pointer;font-size:.875rem;font-weight:600;color:var(--copper);list-style:none;display:inline-flex;align-items:center;gap:8px}
details.workings summary::-webkit-details-marker{display:none}
details.workings summary::after{content:"↓";transition:transform .3s var(--ez)}
details.workings[open] summary::after{transform:rotate(180deg)}
@media(max-width:560px){.bar{grid-template-columns:1fr;gap:6px}.bar-track{height:38px}}

/* slider widget */
.widget{background:var(--white);padding:clamp(26px,3.4vw,44px);box-shadow:var(--sh2);border-radius:var(--r-l);margin-top:2.4rem}
.widget-row{display:grid;grid-template-columns:repeat(2,1fr);gap:clamp(20px,3vw,44px);margin:1.6rem 0}
@media(max-width:640px){.widget-row{grid-template-columns:1fr}}
.widget-n{font-family:var(--f-d);font-weight:600;font-size:clamp(1.8rem,4.5vw,2.6rem);color:var(--navy);letter-spacing:-.02em;line-height:1}
.widget-n.warn{color:var(--copper)}
.widget-l{font-size:.8125rem;color:var(--graphite);margin-top:.5rem}
input[type=range]{width:100%;accent-color:var(--navy);height:34px;cursor:pointer}
.widget .bar-track{height:38px;margin-top:1.2rem}
.widget-flag{margin-top:1.1rem;font-size:.875rem;font-weight:600;color:var(--copper);min-height:1.4em}

/* diagrams */
.diagram{margin-top:2.4rem}
.diagram svg{width:100%;height:auto;display:block}
.diagram .dline{stroke-dasharray:1;stroke-dashoffset:1}
.diagram-cap{font-size:.875rem;color:var(--graphite);margin-top:1rem;max-width:60ch}
.s-navy .diagram-cap{color:var(--nav64)}

/* capability */
.cap{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1fr) minmax(0,1.2fr);
  gap:clamp(12px,2.4vw,32px);padding:1.15rem 0;border-top:1px solid var(--line-inv);align-items:center}
.cap:last-of-type{border-bottom:1px solid var(--line-inv)}
.cap h3{font-size:1.05rem;font-weight:500;color:#fff}
.cap-was{font-size:.875rem;color:var(--nav64)}
.cap-was::after{content:"\2192";display:inline-block;margin-left:10px;
  color:var(--copper);font-weight:600}
.cap-is{font-size:.9375rem;color:#fff;font-weight:600}
.cap-is span{display:block;font-weight:400;font-size:.8125rem;color:var(--nav64);margin-top:.4rem;max-width:38em}
@media(max-width:760px){.cap{grid-template-columns:1fr;gap:6px}}

/* stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line-inv);margin-top:3rem}
.stat{background:var(--navy);padding:1.7rem 1.3rem}
.stat-n{font-family:var(--f-d);font-weight:600;font-size:clamp(1.9rem,3.8vw,2.5rem);color:#fff;line-height:1;letter-spacing:-.02em}
.stat-l{font-size:.8125rem;color:var(--nav64);margin-top:.7rem;line-height:1.4}
@media(max-width:760px){.stats{grid-template-columns:repeat(2,1fr)}}

/* fit */
.fit{padding:clamp(26px,3vw,38px);background:var(--white);height:100%;border-top:2px solid var(--sage);box-shadow:var(--sh1);border-radius:var(--r-m)}
.fit.no{border-top-color:var(--graphite)}
.s-white .fit{background:var(--stone);box-shadow:none}
.fit h3{font-size:1.15rem;margin-bottom:1.1rem;color:var(--navy)}
.fit ul{margin:0;padding:0;list-style:none}
.fit li{position:relative;padding-left:24px;margin-bottom:.7rem;font-size:.9375rem;color:var(--graphite);line-height:1.55}
.fit li::before{content:"";position:absolute;left:0;top:8px;width:9px;height:9px;background:var(--sage);border-radius:2px}
.fit.no li::before{background:var(--graphite);height:1.5px;top:12px;width:12px}

/* faq */
.faq{border-top:1px solid var(--chip);margin-top:2.6rem}
.faq details{border-bottom:1px solid var(--chip)}
.faq summary{list-style:none;cursor:pointer;padding:1.5rem 44px 1.5rem 0;position:relative;
  font-family:var(--f-d);font-weight:500;font-size:1.07rem;line-height:1.4;color:var(--navy)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:8px;top:2rem;width:11px;height:11px;
  border-right:1.5px solid var(--copper);border-bottom:1.5px solid var(--copper);
  transform:rotate(45deg);transition:transform .35s var(--ez)}
.faq details[open] summary::after{transform:rotate(-135deg);top:2.3rem}
.faq .a{padding:0 0 1.7rem;max-width:38em}
.faq .a p{font-size:.9375rem;color:var(--graphite)}

/* tables (workings) */
.tbl{width:100%;border-collapse:collapse;margin-top:1.4rem;font-size:.9375rem}
.tbl th,.tbl td{text-align:left;padding:.9rem 1rem;border-bottom:1px solid var(--chip)}
.tbl th{font-family:var(--f-d);font-weight:600;font-size:.8125rem;letter-spacing:.06em;
  text-transform:uppercase;color:var(--graphite);border-bottom:1.5px solid var(--graphite)}
.tbl td:last-child,.tbl th:last-child{text-align:right}
.tbl tr.hi td{background:var(--navy);color:#fff;font-weight:600;border-bottom-color:var(--navy)}
.s-navy .tbl th{color:var(--nav78);border-bottom-color:rgba(255,255,255,.5)}
.s-navy .tbl td{border-bottom-color:var(--line-inv);color:#fff}
.s-navy .tbl tr.hi td{background:rgba(255,255,255,.08);border-top:1.5px solid var(--sage);border-bottom-color:var(--sage)}
.tbl-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
.qualifier{font-size:.8125rem;color:var(--graphite);line-height:1.6;margin-top:1.3rem;max-width:78ch}
.s-navy .qualifier{color:var(--nav64)}
.s-navy .qualifier a{color:#fff}

/* accreditation + footer */
.accred{display:flex;flex-wrap:wrap;gap:12px 34px;align-items:center;justify-content:center;
  padding:2rem 0;font-size:.8125rem;color:var(--graphite);text-align:center}
.accred a{color:var(--graphite);text-decoration:none;border-bottom:1px solid var(--chip)}
.accred a:hover{color:var(--copper);border-color:var(--copper)}
.ftr{background:var(--graphite);color:var(--nav78);padding:clamp(3.5rem,6vw,5rem) 0 2.2rem}
.ftr-g{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:clamp(28px,4vw,56px)}
@media(max-width:820px){.ftr-g{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.ftr-g{grid-template-columns:1fr}}
.ftr .ftr-h{font-size:.75rem;letter-spacing:.16em;text-transform:uppercase;color:rgba(255,255,255,.5);margin:0 0 1.1rem;font-weight:600}
.ftr .logo{color:#fff}
.ftr a{color:var(--nav78);text-decoration:none;font-size:.9375rem;position:relative}
.ftr ul a::after{content:"";position:absolute;left:0;bottom:-2px;height:1px;width:100%;background:var(--sage);
  transform:scaleX(0);transform-origin:left;transition:transform .4s var(--ez)}
.ftr ul a:hover::after{transform:scaleX(1)}
.ftr a:hover{color:#fff}
.ftr ul{list-style:none;margin:0;padding:0}.ftr li{margin-bottom:.7rem}
.ftr-legal{margin-top:2.8rem;padding-top:1.6rem;border-top:1px solid rgba(255,255,255,.14);
  font-size:.8125rem;color:rgba(255,255,255,.55);line-height:1.7;max-width:96ch}
.ftr-contact{font-size:.9375rem;line-height:1.9}
.ftr-contact a{font-weight:600;color:#fff}

/* forms */
.form{background:var(--white);padding:clamp(26px,3.4vw,48px);box-shadow:var(--sh2);border-radius:var(--r-l)}
.field{margin-bottom:1.4rem}
.field label{display:block;font-size:.875rem;font-weight:600;margin-bottom:.5rem;color:var(--navy)}
.field input,.field select,.field textarea{width:100%;padding:.95rem 1rem;border:0;border-radius:var(--r-s);
  font-family:var(--f-b);font-size:1rem;background:var(--stone);color:var(--ink);
  box-shadow:inset 0 0 0 1px var(--chip);transition:box-shadow .2s}
.field textarea{min-height:110px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;
  box-shadow:inset 0 0 0 1px transparent,0 0 0 2px var(--white),0 0 0 4px var(--navy)}
.privacy{background:var(--stone);padding:1.1rem 1.25rem;font-size:.8125rem;color:var(--graphite);
  line-height:1.6;margin:6px 0 1.5rem;border-left:2px solid var(--sage);border-radius:0 var(--r-m) var(--r-m) 0}

/* /book/ multi-step */
.bookwrap{max-width:880px;margin:0 auto;padding:clamp(2.5rem,6vw,4.5rem) var(--gut)}
.progress{height:4px;background:var(--chip);border-radius:2px;margin:1.6rem 0 2.2rem;overflow:hidden}
.progress i{display:block;height:100%;background:var(--sage);width:0;transition:width .5s var(--ez)}
.bstep{display:none}
.bstep.on{display:block}
.opts{display:grid;gap:10px;margin:1.3rem 0}
.opt{display:flex;align-items:center;gap:14px;background:var(--white);padding:1.05rem 1.2rem;
  border-radius:var(--r-l);box-shadow:inset 0 0 0 1px var(--chip);cursor:pointer;transition:box-shadow .2s,transform .2s var(--ez);font-size:.9688rem}
.opt:hover{transform:translateY(-1px);box-shadow:inset 0 0 0 1px var(--chip),var(--sh1)}
.opt input{accent-color:var(--navy);width:18px;height:18px;flex:none}
.opt.sel{box-shadow:inset 0 0 0 2px var(--navy)}
.bnav{display:flex;gap:12px;margin-top:1.8rem;align-items:center}
.bnav .back2{background:none;border:0;color:var(--graphite);font-size:.9375rem;cursor:pointer;padding:.8rem .6rem;font-family:var(--f-b)}
.berr{color:#A03D2E;font-size:.875rem;margin-top:.8rem;min-height:1.3em}


/* ---------- placeholders: intentional asset slots ---------- */
.ph{background:var(--white);box-shadow:var(--sh1);border-radius:var(--r-l);display:flex;
  flex-direction:column;align-items:center;justify-content:center;gap:12px;
  color:var(--graphite);min-height:180px;text-align:center;padding:1.2rem;position:relative;overflow:hidden}
.s-white .ph{background:var(--stone);box-shadow:none}
.ph-ic{width:30px;height:30px;color:var(--copper);opacity:.85}
.ph i{font-style:normal;font-size:.8125rem;font-weight:500;max-width:22ch;line-height:1.4}
.ph.portrait{aspect-ratio:3/4}
.ph.landscape{aspect-ratio:16/10}
.ph.wide{aspect-ratio:21/9;min-height:140px}
.ph.logoph{min-height:96px;aspect-ratio:auto}
.avatar{width:56px;height:56px;border-radius:50%;background:var(--stone);
  box-shadow:inset 0 0 0 1px var(--chip);display:flex;align-items:center;justify-content:center;margin-bottom:1rem}
.av-ic{width:24px;height:24px;color:var(--graphite)}
/* ---------- icons ---------- */
.ic{width:22px;height:22px;color:var(--copper);margin-bottom:.9rem;display:block}
.card .ic{margin-bottom:.9rem}
/* ---------- accreditation seals ---------- */
.seals{display:flex;flex-wrap:wrap;gap:1.4rem 2.6rem;align-items:center;justify-content:center;padding:2.4rem 0 1rem}
.seal{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--graphite)}
.seal-c{flex:none;width:44px;height:44px;border-radius:50%;box-shadow:inset 0 0 0 1.5px var(--graphite);
  display:flex;align-items:center;justify-content:center;font-family:var(--f-d);font-weight:600;
  font-size:.625rem;letter-spacing:.02em;color:var(--graphite)}
.seal b{display:block;font-size:.8125rem;font-weight:600;color:var(--ink);line-height:1.3}
.seal i{font-style:normal;font-size:.75rem;color:var(--graphite)}
.seal:hover .seal-c{box-shadow:inset 0 0 0 1.5px var(--copper);color:var(--copper)}
/* ---------- map ---------- */
.map{max-width:560px}
.map svg{width:100%;height:auto;display:block}
.map-cities{display:flex;flex-wrap:wrap;gap:8px;margin-top:1.2rem}
.mapchip{font-size:.8125rem;font-weight:500;padding:.42rem .85rem;border-radius:999px;
  box-shadow:inset 0 0 0 1px var(--chip);color:var(--graphite)}
.mapchip.hq{background:var(--navy);color:#fff;box-shadow:none}
.mapchip.more{box-shadow:none;color:var(--graphite);opacity:.7}
/* ---------- founder media row ---------- */
.book{display:grid;grid-template-columns:200px 160px minmax(0,1fr);gap:clamp(20px,3vw,40px);align-items:start}
@media(max-width:820px){.book{grid-template-columns:150px 130px}.book>div:last-child{grid-column:1/-1}}
@media(max-width:480px){.book{grid-template-columns:1fr 1fr}}
/* ---------- mobile-first refinements ---------- */
@media(max-width:480px){
  .cta-block .btn{width:100%;justify-content:center}
  .hero-claim{padding:1rem 1.1rem}
  .tbl{font-size:.84rem}.tbl th,.tbl td{padding:.7rem .6rem}
  .widget-n{font-size:1.6rem}
  .stat{padding:1.2rem 1rem}
  .chair-h h3{font-size:1.45rem}
  .trust{gap:8px 18px;font-size:.8125rem}
}

/* hero accent */
h1 em.hl,h2 em.hl{font-style:normal;color:var(--copper)}
/* sticky local subnav (Apple buy-bar pattern) */
.subnav{position:sticky;top:57px;z-index:90;background:rgba(244,243,239,.9);
  -webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.subnav-in{display:flex;align-items:center;gap:14px;padding:.55rem 0;min-height:52px}
.subnav-t{font-family:var(--f-d);font-weight:600;font-size:.9375rem;color:var(--navy);white-space:nowrap}
.subnav-links{display:flex;gap:8px;overflow:hidden;flex-wrap:wrap;max-height:34px}
.subnav-links a{font-size:.8125rem;padding:.38rem .8rem;border-radius:999px;
  box-shadow:inset 0 0 0 1px var(--chip);color:var(--graphite);text-decoration:none;white-space:nowrap}
.subnav-links a:hover{box-shadow:inset 0 0 0 1px var(--copper);color:var(--copper)}
.subnav .btn{margin-left:auto;padding:.55rem 1.05rem;font-size:.8125rem;flex:none}
@media(max-width:820px){.subnav-links{display:none}
  .subnav-in{gap:10px}
  .subnav-t{flex:1 1 auto;min-width:0;overflow:hidden;text-overflow:ellipsis}
  .subnav .btn{flex:none;margin-left:0;padding:.5rem .85rem;font-size:.78rem}}
/* billboard: the human voice, Apple-scale */
.billboard blockquote{margin:0;font-family:var(--f-d);font-weight:500;
  font-size:clamp(1.45rem,4vw,2.4rem);line-height:1.25;letter-spacing:-.01em;color:#fff;max-width:24ch}
.billboard blockquote::before{content:"\201C";color:var(--copper)}
.billboard blockquote::after{content:"\201D";color:var(--copper)}
.billboard cite{display:block;font-style:normal;margin-top:1.6rem;font-size:.9375rem;color:#fff;font-weight:600}
.billboard cite span{display:block;font-weight:400;color:var(--nav64);margin-top:2px}
.billboard-g{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(0,1fr);gap:clamp(24px,4vw,64px);align-items:center}
@media(max-width:760px){.billboard-g{grid-template-columns:1fr}}
/* assure strip: why buy through us */
.assure{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:2.4rem}
@media(max-width:900px){.assure{grid-template-columns:repeat(2,1fr)}}
@media(max-width:480px){.assure{grid-template-columns:1fr}}
.assure-i{background:var(--white);border-radius:var(--r-l);padding:1.3rem 1.4rem;box-shadow:var(--sh1)}
.s-white .assure-i{background:var(--stone);box-shadow:none}
.assure-i .ic{margin-bottom:.7rem}
.assure-i p{margin:0;font-size:.875rem;line-height:1.5;color:var(--graphite);font-weight:500}
@supports (corner-shape: squircle){.assure-i,.subnav-links a{corner-shape:squircle}}
/* the rebuild fan */
.fan{position:relative;margin-top:1.6rem}
.fan-row{display:flex;align-items:center;gap:0;flex-wrap:wrap;row-gap:10px}
.fan-prevail{font-family:var(--f-d);font-weight:600;font-size:.9375rem;color:var(--navy);
  padding:.62rem 1.5rem;border-radius:999px;box-shadow:inset 0 0 0 2px var(--sage)}
.fan-link{flex:0 1 150px;height:2px;background:var(--sage);min-width:34px}
.fan-node{font-family:var(--f-d);font-weight:600;font-size:.9375rem;color:var(--navy);
  background:var(--sage);padding:.72rem 1.6rem;border-radius:11px}
.fan-note{margin-left:16px;font-size:.875rem;font-weight:600;color:var(--copper)}
.fan-lines{position:absolute;left:0;top:0;width:100%;height:100%;pointer-events:none;overflow:visible}
.fan-lines line{stroke:var(--sage);stroke-width:1.3}
.fan-pills{display:flex;flex-wrap:wrap;gap:12px 14px;margin-top:64px;justify-content:center}
.fpill{position:relative;font-family:var(--f-b);font-size:.875rem;font-weight:500;color:var(--navy);
  background:var(--white);border:0;border-radius:999px;padding:.68rem 1.25rem .68rem 2rem;
  box-shadow:var(--sh1),inset 0 0 0 1px var(--chip);cursor:pointer;
  transition:transform .25s var(--ez),box-shadow .25s var(--ez)}
.s-white .fpill{background:var(--stone)}
.fpill::before{content:"";position:absolute;left:14px;top:50%;transform:translateY(-50%);
  width:7px;height:7px;border-radius:50%;background:var(--sage)}
.fpill:hover,.fpill.open,.fpill:focus-visible{transform:translateY(-2px);
  box-shadow:var(--sh2),inset 0 0 0 1.5px var(--sage)}
.ftip{position:absolute;bottom:calc(100% + 12px);left:50%;transform:translateX(-50%) translateY(4px);
  width:min(250px,76vw);background:var(--navy);color:#fff;font-size:.8125rem;font-weight:400;
  line-height:1.55;text-align:left;padding:.85rem 1rem;border-radius:10px;
  opacity:0;visibility:hidden;transition:opacity .3s var(--ez),transform .3s var(--ez),visibility .3s;
  z-index:6;pointer-events:none;box-shadow:var(--sh2)}
.ftip::after{content:"";position:absolute;top:100%;left:50%;transform:translateX(-50%);
  border:7px solid transparent;border-top-color:var(--navy)}
.fpill:hover .ftip,.fpill.open .ftip,.fpill:focus-visible .ftip{
  opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.fpill:first-child .ftip{left:0;transform:translateX(0) translateY(4px)}
.fpill:first-child:hover .ftip,.fpill:first-child.open .ftip{transform:translateX(0) translateY(0)}
.fpill:first-child .ftip::after{left:12%}
.fan-pills.doors{margin-top:0;margin-bottom:56px}
.fdoor{position:relative;font-size:.875rem;font-weight:500;color:var(--graphite);background:var(--white);
  border-radius:999px;padding:.62rem 1.2rem .62rem 1.95rem;box-shadow:inset 0 0 0 1px var(--chip)}
.s-white .fdoor{background:var(--stone)}
.fdoor::before{content:"";position:absolute;left:13px;top:50%;transform:translateY(-50%);
  width:7px;height:7px;border-radius:50%;background:#7B8494}
.fan-node.dark{background:var(--graphite);color:#fff}
.fan-note.grey{color:var(--graphite);font-weight:400}
.row-same{justify-content:center;margin-bottom:26px}
.fan .fan-lines line.grey{stroke:#B9BDC6;stroke-width:1.2}
.fan-hint{font-size:.8125rem;color:var(--graphite);opacity:.8;margin-top:1.1rem}
@supports (corner-shape: squircle){.fan-node{corner-shape:squircle}}
@media(max-width:480px){.fan-note{margin-left:0;flex-basis:100%}.fan-pills{margin-top:52px;gap:10px}}
/* stat icons: quiet marks above the hero numbers */
.stat .ic{display:block;width:22px;height:22px;margin-bottom:.8rem}
.stat .ic:not(.ic-g){color:var(--copper)}
/* logo band + inline G */
.seal-img{height:44px;width:auto}
.ic-g-in{vertical-align:-3px;margin-right:2px}
.trust .ic-g-in{margin-right:7px}
a.trust-g{text-decoration:none;color:inherit}
a.trust-g:hover b{color:var(--copper)}
/* footer social marks */
.ftr-social a{display:inline-flex;align-items:center;gap:7px;text-decoration:none}
.sic{width:16px;height:16px;flex:none}
/* youtube click-to-play facade */
.ytf{position:relative;display:block;width:100%;padding:0;border:0;background:none;cursor:pointer;
  border-radius:var(--r-l);overflow:hidden;line-height:0;box-shadow:var(--sh1)}
.ytf img{width:100%;height:auto;display:block;transition:transform .6s var(--ez)}
.ytf:hover img{transform:scale(1.02)}
.ytf-p{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);width:64px;height:45px;
  border-radius:12px;background:rgba(15,37,68,.82);transition:background .3s var(--ez)}
.ytf-p::after{content:"";position:absolute;left:53%;top:50%;transform:translate(-50%,-50%);
  border-style:solid;border-width:9px 0 9px 15px;border-color:transparent transparent transparent #fff}
.ytf:hover .ytf-p,.ytf:focus-visible .ytf-p{background:#FF0000}
.ytf iframe{width:100%;aspect-ratio:16/9;border:0;display:block}
@supports (corner-shape: squircle){.ytf{corner-shape:squircle}}

/* ---------- NAV VARIANT B: floating pill (body.nav-pill) ---------- */
body.nav-pill .hdr:not(.hdr-bare){background:transparent;backdrop-filter:none;-webkit-backdrop-filter:none;
  border-bottom:0;padding:14px 0;transition:padding .3s var(--ez)}
body.nav-pill .hdr.scrolled:not(.hdr-bare){padding:8px 0;box-shadow:none;background:transparent}
body.nav-pill .hdr:not(.hdr-bare) .hdr-in{max-width:min(1380px,94%);height:62px;padding:0 26px;gap:1.5rem;
  background:rgba(244,243,239,.94);-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px);
  border-radius:999px;box-shadow:0 1px 2px rgba(15,37,68,.05),0 10px 34px rgba(15,37,68,.13)}
body.nav-pill .hdr.scrolled:not(.hdr-bare) .hdr-in{height:56px}
@supports (corner-shape: squircle){body.nav-pill .hdr:not(.hdr-bare) .hdr-in{corner-shape:squircle}}
/* phone becomes a dial glyph — recovers 132px, keeps the direct line one tap away */
body.nav-pill .hdr:not(.hdr-bare) .hdr-call{margin-left:auto;width:38px;height:38px;display:inline-flex;
  align-items:center;justify-content:center;border-radius:999px;font-size:0;
  box-shadow:inset 0 0 0 1px var(--chip);color:var(--navy)}
body.nav-pill .hdr:not(.hdr-bare) .hdr-call::before{content:"";width:17px;height:17px;background:currentColor;
  -webkit-mask:var(--tel) center/contain no-repeat;mask:var(--tel) center/contain no-repeat}
body.nav-pill .hdr:not(.hdr-bare) .hdr-call:hover{box-shadow:inset 0 0 0 1px var(--copper);color:var(--copper)}
body.nav-pill .nav{gap:1.35rem}
body.nav-pill .nav a:not(.btn):not(.hdr-call){font-size:.9rem}
body.nav-pill .subnav{top:82px;background:transparent;border-bottom:0;backdrop-filter:none;-webkit-backdrop-filter:none}
body.nav-pill .subnav-in{max-width:min(1240px,94%);margin:0 auto;padding:0 22px;min-height:48px;
  background:rgba(255,255,255,.94);-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);
  border-radius:999px;box-shadow:0 8px 24px rgba(15,37,68,.10)}
@media(max-width:900px){
  body.nav-pill .hdr:not(.hdr-bare) .hdr-in{padding:0 18px;max-width:94%}
  body.nav-pill .hdr:not(.hdr-bare) .hdr-call{display:inline-flex}
}

/* motion primitives */
.rv{opacity:0;transform:translateY(24px);transition:opacity .9s var(--ez),transform .9s var(--ez)}
.rv.in{opacity:1;transform:none}
.hero h1 .w{display:inline-block;opacity:0;transform:translateY(30px)}
.hero h1.split .w{transition:opacity .9s var(--ez),transform .9s var(--ez)}
.hero h1.split.go .w{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){
  .rv,.hero h1 .w{opacity:1!important;transform:none!important;transition:none!important}
  .bar-fill{transition:none}
  *{scroll-behavior:auto!important}
}
/* glosses + jump links */
.gloss{font-size:.875em;color:var(--graphite);opacity:.88;font-weight:400}
.s-navy .gloss,.s-graphite .gloss{color:var(--nav78);opacity:1}
.jumps{margin:1.2rem 0 0}
.jumps a{text-decoration:none}
.jumps a:hover{box-shadow:inset 0 0 0 1px var(--copper);color:var(--copper)}

/* squircle: continuous corners where supported (progressive enhancement) */
@supports (corner-shape: squircle){
  .ph,.widget,.opt,.card,.qcard,.guar,.fit,.form,.avatar{corner-shape:squircle}
}
/* print: what an adviser hands across a desk */
@media print{
  .hdr,.ftr,.skip,.btn,.cta-block,.burger,.jumps,.ph,.railband,iframe,.progress,.bnav{display:none!important}
  body,section{background:#fff!important;color:#000!important;padding:.6cm 0!important}
  .s-navy,.s-graphite,.s-navy *,.s-graphite *{background:#fff!important;color:#000!important}
  .rv,.hero h1 .w{opacity:1!important;transform:none!important}
  .bar-fill{background:#ddd!important;-webkit-print-color-adjust:exact;print-color-adjust:exact}
  a{color:#000!important}
  .stat,.check{background:#fff!important;border:1px solid #ccc}
  h1{font-size:24pt}h2{font-size:16pt}
}
/* ---------- photography ---------- */
.pimg{display:block;width:100%;height:auto;aspect-ratio:3/4;object-fit:cover;
  border-radius:var(--r-l);box-shadow:var(--sh1)}
.photorow{align-items:start}
.billboard-g.solo{grid-template-columns:minmax(0,1fr)}
.billboard-g.solo blockquote{max-width:26ch}

/* ---------- WCAG AA: copper as small text ----------
   Brand copper #B6733F is 3.4-4.0:1 on our backgrounds — fine for large display
   type (3:1 threshold) but short of 4.5:1 for body-size text and links.
   Large headline .hl copper is deliberately untouched. */
a.card .more, .chair-n, details.workings summary, .chart-marker i,
.widget-flag, .widget-n.warn, .fan-note, .book-cv span,
.accred a:hover, .subnav-links a:hover, .seal:hover .seal-c{color:var(--copper-text)}
.s-navy a.card .more, .s-navy .chair-n, .s-navy details.workings summary,
.s-navy .chart-marker i, .s-navy .widget-flag, .s-navy .widget-n.warn,
.s-navy .fan-note, .s-navy .book-cv span, .billboard .chair-n,
.s-navy a[style*="--copper"], .s-graphite a[style*="--copper"]{color:var(--copper-navy)}
/* ---------- team avatars: real photo where we have one, monogram where we don't ---------- */
.avatar{width:64px;height:64px;overflow:hidden}
.avatar img{width:100%;height:100%;object-fit:cover;border-radius:50%;display:block}
.avatar-i{font-family:var(--f-d);font-weight:600;font-size:1.0625rem;letter-spacing:.01em;color:var(--graphite)}
/* ---------- youtube facade: hqdefault is 4:3, crop it to 16:9 ---------- */
.ytf{aspect-ratio:16/9}
.ytf img{width:100%;height:100%;object-fit:cover}
/* ---------- thank-you: two-step next steps ---------- */
.nextsteps{display:grid;gap:14px;margin-top:1.8rem}
.nextstep{display:grid;grid-template-columns:40px 1fr;gap:16px;align-items:start;
  background:var(--white);border-radius:var(--r-l);padding:1.15rem 1.3rem;box-shadow:var(--sh1)}
.ns-n{width:32px;height:32px;border-radius:50%;background:var(--navy);color:#fff;
  font-family:var(--f-d);font-weight:600;font-size:.875rem;display:flex;align-items:center;justify-content:center}
.nextstep h3{font-size:1.0625rem;margin:2px 0 6px}
.nextstep p{margin:0;font-size:.9375rem;color:var(--graphite);max-width:52ch}
/* ---------- funding check: form + proof rail ---------- */
.bookgrid{max-width:var(--wrap);margin:0 auto;padding:clamp(2.5rem,6vw,4.5rem) var(--gut);
  display:grid;grid-template-columns:minmax(0,1.55fr) minmax(0,1fr);gap:clamp(32px,4.5vw,72px);align-items:start}
.bookmain{min-width:0;max-width:660px}
.bookrail{position:sticky;top:96px;min-width:0}
.rail-card{background:var(--white);border-radius:var(--r-l);padding:1.6rem 1.7rem;box-shadow:var(--sh1)}
.rail-who{display:flex;align-items:center;gap:16px;padding-bottom:1.2rem;border-bottom:1px solid var(--line)}
.rail-face{width:72px;height:72px;border-radius:50%;object-fit:cover;flex:none;display:block}
.rail-name{margin:0;font-family:var(--f-d);font-weight:600;font-size:1.0625rem;color:var(--navy);line-height:1.25}
.rail-role{margin:3px 0 0;font-size:.875rem;color:var(--graphite)}
.rail-list{list-style:none;margin:1.3rem 0 0;padding:0;display:grid;gap:1rem}
.rail-list li{position:relative;padding-left:24px;font-size:.9063rem;line-height:1.5;color:var(--graphite)}
.rail-list li::before{content:"";position:absolute;left:0;top:.52em;width:11px;height:6px;
  border-left:2px solid var(--sage);border-bottom:2px solid var(--sage);transform:rotate(-45deg)}
.rail-list b{color:var(--navy);font-weight:600}
.rail-trust{margin-top:1.4rem;padding-top:1.2rem;border-top:1px solid var(--line);
  display:grid;gap:7px;font-size:.8125rem;color:var(--graphite)}
.rail-trust b{color:var(--navy)}
@media(max-width:980px){
  .bookgrid{grid-template-columns:1fr;gap:36px}
  .bookmain{max-width:none}
  .bookrail{position:static;order:2}
}
/* ---------- home hero: copy + proof card ---------- */
.hero-grid{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,1fr);
  gap:clamp(32px,4.5vw,68px);align-items:start;margin-top:clamp(24px,3vw,38px)}
.hero-copy{min-width:0}
.hero-copy .lede{max-width:none}
.hero-proof{background:var(--white);border-radius:var(--r-l);padding:1.7rem 1.8rem;box-shadow:var(--sh1);min-width:0}
.hp-who{display:flex;align-items:center;gap:16px;padding-bottom:1.15rem;border-bottom:1px solid var(--line)}
.hp-face{width:76px;height:76px;border-radius:50%;object-fit:cover;flex:none;display:block}
.hp-name{margin:0;font-family:var(--f-d);font-weight:600;font-size:1.0625rem;color:var(--navy);line-height:1.25}
.hp-role{margin:3px 0 0;font-size:.8438rem;color:var(--graphite)}
.hp-list{list-style:none;margin:1.25rem 0 0;padding:0;display:grid;gap:.9rem}
.hp-list li{position:relative;padding-left:24px;font-size:.9063rem;line-height:1.5;color:var(--graphite)}
.hp-list li::before{content:"";position:absolute;left:0;top:.52em;width:11px;height:6px;
  border-left:2px solid var(--sage);border-bottom:2px solid var(--sage);transform:rotate(-45deg)}
.hp-list b{color:var(--navy);font-weight:600}
.trust.hp-trust{margin-top:1.3rem;padding-top:1.1rem;border-top:1px solid var(--line);
  display:grid;gap:7px;font-size:.8125rem}
@media(max-width:980px){
  .hero-grid{grid-template-columns:1fr;gap:32px}
  .hero-proof{order:2}
}
.hero .cta-block{margin-top:1.7rem}


.gtiles{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(16px,1.9vw,24px);margin-top:44px}
.gt,.gt *{text-decoration:none!important;border-bottom:0!important}
.gt{position:relative;display:flex;flex-direction:column;background:var(--white);
border:1px solid var(--line);border-radius:var(--r-m);padding:clamp(22px,2.2vw,28px);
box-shadow:var(--sh1);overflow:hidden;
transition:transform .5s var(--ez),box-shadow .5s var(--ez),border-color .5s var(--ez)}
.gt::before{content:'';position:absolute;left:0;right:0;top:0;height:2px;background:var(--copper);
transform:scaleX(0);transform-origin:left;transition:transform .55s var(--ez)}
.gt-com::before{background:var(--navy)}
.gt-top{display:flex;align-items:flex-start;justify-content:space-between;gap:14px;margin-bottom:18px}
.gt-cat{display:inline-flex;align-items:center;gap:.5rem;font-size:.75rem;letter-spacing:.1em;
text-transform:uppercase;font-weight:600;color:var(--graphite);line-height:1.3}
.gt-cat i{width:7px;height:7px;border-radius:50%;flex:none;background:var(--copper)}
.gt-com i{background:var(--navy)}
.gt-room i{background:var(--sage)}
.gt-deb i{background:var(--graphite)}
.gt-i{width:30px;height:30px;flex:none;color:var(--copper);opacity:.85;
transition:transform .55s var(--ez),opacity .4s var(--ez)}
.gt-t{font-family:var(--f-d);font-size:1.08rem;line-height:1.32;font-weight:700;color:var(--navy);
letter-spacing:-.01em;margin-bottom:10px}
.gt-d{font-size:.95rem;line-height:1.55;color:var(--graphite);margin-bottom:22px}
.gt-f{margin-top:auto;padding-top:16px;border-top:1px solid var(--line);
display:flex;align-items:center;justify-content:space-between;gap:12px;
font-size:.8125rem;color:var(--graphite)}
.gt-kind{font-weight:600;color:var(--navy)}
.gt-meta{display:inline-flex;align-items:center;gap:.45rem;color:var(--copper-text);font-weight:600}
.gt-ar{width:17px;height:17px;flex:none;transition:transform .5s var(--ez)}
.gt-soon{background:transparent;box-shadow:none;border-style:dashed}
.gt-soon .gt-t{color:var(--graphite)}
.gt-soon .gt-i{color:var(--graphite);opacity:.42}
.gt-soon .gt-meta{color:var(--graphite);font-weight:500}
.gt-badge{position:absolute;top:0;right:0;background:var(--stone);color:var(--graphite);
font-size:.6875rem;letter-spacing:.1em;text-transform:uppercase;font-weight:600;
padding:5px 11px;border-bottom-left-radius:var(--r-m)}
@media (hover:hover){
 a.gt:hover{transform:translateY(-5px);box-shadow:var(--sh2);border-color:transparent}
 a.gt:hover::before{transform:scaleX(1)}
 a.gt:hover .gt-i{transform:scale(1.09) rotate(-3deg);opacity:1}
 a.gt:hover .gt-ar{transform:translateX(5px)}
}
a.gt:focus-visible{outline:2px solid var(--copper);outline-offset:3px}
@media (max-width:1000px){.gtiles{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.gtiles{grid-template-columns:1fr;gap:14px}
 .gt{padding:20px}.gt-t{font-size:1.02rem}}
@media (prefers-reduced-motion:reduce){
 .gt,.gt::before,.gt-i,.gt-ar{transition:none!important}
 a.gt:hover{transform:none}
 a.gt:hover .gt-i,a.gt:hover .gt-ar{transform:none}
}
.gt-wide{grid-column:1/-1}
/* v15 motion */
@media (prefers-reduced-motion: no-preference){
.g2>.card.rv:not(.in){transform:translate(-18px,24px)}
.g2>.card.rv:nth-child(even):not(.in){transform:translate(18px,24px)}
.gtiles .gt.rv:not(.in){transform:translateY(26px) scale(.97)}
.h2-lead{position:relative;padding-bottom:14px}
.h2-lead::after{content:'';position:absolute;left:0;bottom:0;width:56px;height:3px;background:var(--copper);transform:scaleX(0);transform-origin:left;transition:transform .7s var(--ez) .15s}
.h2-lead.in::after{transform:scaleX(1)}
.flow-svg .ink{transition:stroke-dashoffset 1.6s var(--ez) .2s}
.flow.in .ink{stroke-dashoffset:0}
.btn-p,.btn-w{position:relative;overflow:hidden}
.btn-p::before,.btn-w::before{content:'';position:absolute;top:0;left:-60%;width:40%;height:100%;background:linear-gradient(100deg,transparent,rgba(255,255,255,.28),transparent);transform:skewX(-18deg);transition:left .55s var(--ez);pointer-events:none}
.btn-p:hover::before,.btn-w:hover::before{left:120%}
.stat b,.widget-n{font-variant-numeric:tabular-nums}
}
/* v15.3 UX: sticky mobile action bar, jump nav, faq motion */
[id]{scroll-margin-top:92px}
.mab{position:fixed;left:0;right:0;bottom:0;z-index:80;display:none;gap:10px;
 padding:10px max(14px,env(safe-area-inset-left)) max(10px,env(safe-area-inset-bottom)) max(14px,env(safe-area-inset-right));
 background:rgba(250,249,246,.94);-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);
 border-top:1px solid var(--line);transform:translateY(110%);transition:transform .45s var(--ez)}
.mab.on{transform:none}
.mab .btn{flex:1;text-align:center;padding:.82rem .9rem;font-size:.95rem}
@media(max-width:760px){.mab{display:flex}}
body.mab-on .wa-fab{transform:translateY(-72px)}
.wa-fab{transition:transform .45s var(--ez)}
.jn{display:flex;gap:8px;flex-wrap:wrap;margin:26px 0 0}
.jn a{font-size:.8rem;font-weight:600;letter-spacing:.02em;padding:7px 13px;
 border:1px solid var(--chip)!important;border-radius:999px;color:var(--graphite);
 background:var(--white);text-decoration:none!important;
 transition:border-color .3s var(--ez),color .3s var(--ez),transform .3s var(--ez)}
.jn a:hover{border-color:var(--copper)!important;color:var(--copper);transform:translateY(-1px)}
.faq details .a{overflow:hidden}
@media(prefers-reduced-motion:reduce){.mab,.wa-fab{transition:none}}

/* v15.4 UI: typographic finesse, material depth, atmosphere */
h1,h2,h3{text-wrap:balance}
p,li,summary{text-wrap:pretty}
::selection{background:rgba(182,115,63,.22)}
html{scrollbar-color:rgba(26,29,35,.3) transparent;scrollbar-width:thin}
:root{accent-color:var(--copper)}
.s-navy{position:relative;overflow:hidden}
.s-navy::before{content:'';position:absolute;top:-22%;right:-8%;width:56%;height:88%;
 background:radial-gradient(closest-side,rgba(191,124,71,.11),transparent 72%);pointer-events:none}
.s-navy>.wrap{position:relative;z-index:1}
.s-graphite{position:relative;overflow:hidden}
.s-graphite::before{content:'';position:absolute;bottom:-30%;left:-10%;width:52%;height:85%;
 background:radial-gradient(closest-side,rgba(191,124,71,.08),transparent 72%);pointer-events:none}
.s-graphite>.wrap{position:relative;z-index:1}
.hero{position:relative}
.hero::before{content:'';position:absolute;top:-28%;left:-14%;width:58%;height:95%;
 background:radial-gradient(closest-side,rgba(182,115,63,.055),transparent 70%);pointer-events:none}
.hero>.wrap{position:relative;z-index:1}
.btn-p{background-image:linear-gradient(180deg,rgba(255,255,255,.16),rgba(255,255,255,0) 55%);
 box-shadow:inset 0 1px 0 rgba(255,255,255,.28),0 1px 2px rgba(15,37,68,.1),0 8px 18px -10px rgba(15,37,68,.28)}
.card{border:1px solid var(--line);
 box-shadow:0 1px 2px rgba(15,37,68,.04),0 12px 30px -16px rgba(15,37,68,.13)}
.gt{box-shadow:0 1px 2px rgba(15,37,68,.04),0 12px 30px -16px rgba(15,37,68,.13)}
.tbl tbody tr{transition:background .25s var(--ez)}
.tbl tbody tr:hover{background:rgba(182,115,63,.05)}
body::after{content:'';position:fixed;inset:0;z-index:9990;pointer-events:none;
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) repeat;background-size:96px 96px;
 opacity:.026;mix-blend-mode:multiply}
@media(prefers-reduced-motion:reduce){.tbl tbody tr{transition:none}}

@media print{body::after{display:none}.mab{display:none}}

/* v15.5 GOD-mode pass */
input:not([type=range]):not([type=radio]):not([type=checkbox]):not([type=submit]),select,textarea{
 font:inherit;font-size:.96rem;color:var(--ink);background:var(--white);
 border:1px solid var(--chip);border-radius:10px;padding:.78rem .95rem;width:100%;
 transition:border-color .25s var(--ez),box-shadow .25s var(--ez)}
input:not([type=range]):not([type=radio]):not([type=checkbox]):hover,select:hover,textarea:hover{border-color:rgba(26,29,35,.3)}
input:not([type=range]):not([type=radio]):not([type=checkbox]):focus-visible,select:focus-visible,textarea:focus-visible{
 outline:none;border-color:var(--copper);box-shadow:0 0 0 3px rgba(182,115,63,.18)}
textarea{min-height:120px;resize:vertical}
select{appearance:none;-webkit-appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%232B2F36' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
 background-repeat:no-repeat;background-position:right .85rem center;background-size:16px;padding-right:2.5rem}
.opt{transition:border-color .28s var(--ez),box-shadow .28s var(--ez),transform .28s var(--ez)}
.opt:hover{border-color:rgba(26,29,35,.32);transform:translateY(-1px)}
.opt:has(input:checked){border-color:var(--copper);box-shadow:0 0 0 3px rgba(182,115,63,.15)}
.faq summary{transition:color .25s var(--ez)}
.faq summary:hover{color:var(--copper-text)}
.nav .sub-in{box-shadow:0 2px 4px rgba(15,37,68,.05),0 24px 48px -20px rgba(15,37,68,.22)}
.rpb{position:fixed;top:0;left:0;height:2px;width:0;background:var(--copper);z-index:130;pointer-events:none}
@media (prefers-reduced-motion: no-preference){
 @view-transition{navigation:auto}
 ::view-transition-old(root){animation:vto .16s ease both}
 ::view-transition-new(root){animation:vti .22s ease both}
 @keyframes vto{to{opacity:0}}
 @keyframes vti{from{opacity:0;transform:translateY(6px)}}
}
@media print{
 .hdr,.mab,.wa-fab,.jn,.cta-block,.trust,.hp2-memb,.ftr,footer,.rpb,.btn{display:none!important}
 body{background:#fff}
 .s-stone,.s-navy,.s-graphite,.hero{background:#fff!important}
 .s-navy,.s-navy *,.s-graphite,.s-graphite *{color:#000!important}
 .tbl th,.tbl td{border:1px solid #aaa}
 a{color:#000}
}

/* v15.6 choreographed data visuals */
@media (prefers-reduced-motion: no-preference){
[data-g]{transform-box:fill-box;transform-origin:left center;transform:scaleX(0);transition:transform .85s var(--ez)}
.in [data-g]{transform:scaleX(1)}
[data-dim]{transition:opacity .7s var(--ez) 1.15s}
[data-collapse]{transform-box:fill-box;transform-origin:left center;transition:transform .8s var(--ez) 1.25s}
[data-shrink]{transform-box:fill-box;transform-origin:left center;transition:transform .8s var(--ez) 1.25s}
[data-show]{opacity:0;transition:opacity .55s var(--ez) 1.5s}
[data-pop]{opacity:0;transform:translateY(9px);transition:opacity .5s var(--ez),transform .5s var(--ez)}
}
.in [data-dim]{opacity:.14}
[data-dimtext]{transition:opacity .5s var(--ez) 1.15s}
.in [data-dimtext]{opacity:0}
.in [data-collapse]{transform:scaleX(0)}
.in [data-shrink]{transform:scaleX(.88)}
.in [data-show]{opacity:1}
.in [data-pop]{opacity:1;transform:none}
@media (prefers-reduced-motion: reduce){
[data-g],[data-pop]{transform:none;opacity:1}
}

.seal-c.seal-logo{padding:0}.seal-c.seal-logo img{width:34px;height:34px;border-radius:50%;display:block}

.mab .btn{justify-content:center}