/* ==========================================================================
   Retirement Solutions — Insurance & Investments
   Stylesheet

   Sections
   01. Tokens
   02. Reset & base
   03. Utilities (container, buttons, eyebrow, horizon rule, lists)
   04. Utility bar
   05. Header, brand logo, navigation, dropdown
   06. Hero
   07. Service-category strip
   08. Services grid
   09. Full-bleed banners
   10. Split editorial blocks
   11. Feature cards
   12. About
   13. Process
   14. Insights
   15. Consultation & form
   16. Footer
   17. Motion & print preferences
   ========================================================================== */

/* ==========================================================================
   01. TOKENS
   ========================================================================== */
:root{
  /* Brand palette */
  --navy-900:#061A3E;
  --navy-800:#08234E;
  --navy-700:#0B2D5D;
  --navy-600:#123A72;
  --navy-500:#1C4A88;

  --gold-500:#C5942B;   /* brand gold — surfaces, rules, text on navy */
  --gold-300:#E5C775;   /* light gold — highlights on navy */
  --gold-700:#A87A1E;   /* darker gold — large text on light */
  --gold-ink:#7E5B14;   /* darkest gold — small text on light (AA) */

  --ivory:#F7F3EA;
  --ivory-200:#FBF8F2;
  --white:#FFFFFF;
  /* Exact canvas colour inside brand-logo-original.png (sampled: 253,253,253).
     Surfaces that sit directly behind the logo use this so the file's own
     canvas blends away instead of showing as a rectangle. The logo itself is
     never masked, blurred, cropped or recoloured. */
  --logo-canvas:#FDFDFD;

  --gray-700:#3D4652;
  --gray-600:#5A6472;   /* body text on light (AA on white & ivory) */
  --gray-400:#98A1AE;
  --gray-300:#DCE1E8;
  --gray-200:#EAEDF2;

  /* Typography */
  --font-display:"Cormorant Garamond", "Iowan Old Style", Georgia, "Times New Roman", serif;
  --font-body:"Inter", system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;

  --fs-h1:clamp(2.35rem, 4.15vw, 3.6rem);
  --fs-h2:clamp(1.95rem, 3.8vw, 3rem);
  --fs-h3:clamp(1.35rem, 2.1vw, 1.8rem);
  --fs-lead:clamp(1.02rem, 1.25vw, 1.175rem);
  --fs-body:1.0425rem;
  --fs-small:0.875rem;
  --fs-eyebrow:0.735rem;

  /* Layout */
  --container:1200px;
  --gutter:1.375rem;
  --space-section:clamp(4.25rem, 7.5vw, 7rem);
  --radius:4px;
  --radius-lg:8px;

  /* Header geometry — the anchor offset depends on these */
  --logo-w:248px;                              /* rendered width of the logo file */
  --logo-band:calc(var(--logo-w) * 0.315);     /* visible band around the artwork */
  --header-pad:11px;
  --header-h:calc(var(--logo-band) + (var(--header-pad) * 2));
  --anchor-offset:calc(var(--header-h) + 1.5rem);

  --shadow-sm:0 1px 2px rgba(6,26,62,.06), 0 4px 14px rgba(6,26,62,.05);
  --shadow-md:0 10px 34px rgba(6,26,62,.10);
  --shadow-lg:0 22px 60px rgba(6,26,62,.16);

  --ease:cubic-bezier(.22,.61,.36,1);
}

/* ==========================================================================
   02. RESET & BASE
   ========================================================================== */
*,*::before,*::after{box-sizing:border-box;}

html{
  -webkit-text-size-adjust:100%;
  scroll-behavior:smooth;
  scroll-padding-top:var(--anchor-offset);
}

body{
  margin:0;
  background:var(--white);
  color:var(--gray-600);
  font-family:var(--font-body);
  font-size:var(--fs-body);
  line-height:1.72;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
  overflow-x:hidden;
}

body.is-locked{overflow:hidden;}

h1,h2,h3,h4{
  margin:0 0 .5em;
  font-family:var(--font-display);
  font-weight:600;
  line-height:1.12;
  color:var(--navy-900);
  letter-spacing:-.005em;
}

p{margin:0 0 1.15em;}
p:last-child{margin-bottom:0;}

a{color:var(--navy-700);text-decoration-thickness:1px;text-underline-offset:.18em;}
a:hover{color:var(--navy-500);}

img,picture,svg{display:block;max-width:100%;}
img{height:auto;}

ul,ol{margin:0;padding:0;list-style:none;}

button,input,select,textarea{font:inherit;color:inherit;}

strong{color:var(--navy-900);font-weight:600;}

/* Inline icon glyphs (stroke based) */
.i{
  width:1.05em;height:1.05em;flex:none;
  fill:none;stroke:currentColor;stroke-width:1.6;
  stroke-linecap:round;stroke-linejoin:round;
}

/* Focus visibility */
:focus-visible{
  outline:3px solid var(--gold-500);
  outline-offset:3px;
  border-radius:2px;
}
.on-dark :focus-visible,
.banner--dark :focus-visible,
.insights :focus-visible,
.site-footer :focus-visible,
.utility-bar :focus-visible,
.hero :focus-visible{
  outline-color:var(--gold-300);
}

.skip-link{
  position:absolute;left:1rem;top:-100px;z-index:200;
  padding:.75rem 1.25rem;
  background:var(--gold-500);color:var(--navy-900);
  font-weight:600;text-decoration:none;border-radius:var(--radius);
  transition:top .2s var(--ease);
}
.skip-link:focus{top:1rem;}

.visually-hidden{
  position:absolute!important;width:1px;height:1px;
  padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0;
}

/* ==========================================================================
   03. UTILITIES
   ========================================================================== */
.container{
  width:min(100% - (var(--gutter) * 2), var(--container));
  margin-inline:auto;
}

.section{padding-block:var(--space-section);}
.section--white{background:var(--white);}
.section--ivory{background:var(--ivory);}

section[id],div[id],article[id]{scroll-margin-top:var(--anchor-offset);}

/* Eyebrow + the signature "horizon" rule (a rising sun on a hairline,
   drawn from the sunrise-over-road motif inside the brand shield) */
.eyebrow{
  display:flex;align-items:center;gap:.7rem;
  margin:0 0 1.1rem;
  font-family:var(--font-body);
  font-size:var(--fs-eyebrow);
  font-weight:600;
  letter-spacing:.185em;
  text-transform:uppercase;
  color:var(--gold-ink);
}
.eyebrow--gold{color:var(--gold-300);}

.horizon{display:inline-flex;flex:none;color:var(--gold-500);}
.eyebrow--gold .horizon{color:var(--gold-300);}
.horizon svg{width:52px;height:11px;overflow:visible;}
.horizon svg path{fill:none;stroke:currentColor;stroke-width:1.2;}
.horizon svg .sun{fill:currentColor;stroke:none;}

.section-head{max-width:62ch;margin-bottom:clamp(2.25rem,4vw,3.25rem);}
.section-head--center{margin-inline:auto;text-align:center;}
.section-head--center .eyebrow{justify-content:center;}

.section-title{font-size:var(--fs-h2);margin-bottom:.55rem;}
.section-lead,.lead{
  font-size:var(--fs-lead);
  line-height:1.68;
  color:var(--gray-600);
}
.note{
  font-size:var(--fs-small);
  line-height:1.65;
  color:var(--gray-600);
  padding-left:.95rem;
  border-left:2px solid var(--gold-500);
}

/* Buttons */
.btn{
  --btn-bg:var(--gold-500);
  --btn-fg:var(--navy-900);
  --btn-bd:var(--gold-500);
  display:inline-flex;align-items:center;justify-content:center;gap:.6rem;
  padding:1rem 1.65rem;
  min-height:52px;
  background:var(--btn-bg);color:var(--btn-fg);
  border:1px solid var(--btn-bd);border-radius:var(--radius);
  font-size:.875rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;
  line-height:1.2;text-align:center;text-decoration:none;cursor:pointer;
  transition:background-color .22s var(--ease),border-color .22s var(--ease),
             color .22s var(--ease),transform .22s var(--ease),box-shadow .22s var(--ease);
}
.btn:hover{transform:translateY(-2px);box-shadow:var(--shadow-md);}
.btn:active{transform:translateY(0);}

.btn--gold{--btn-bg:var(--gold-500);--btn-fg:var(--navy-900);--btn-bd:var(--gold-500);}
.btn--gold:hover{--btn-bg:var(--gold-300);--btn-bd:var(--gold-300);color:var(--navy-900);}

.btn--navy{--btn-bg:var(--navy-900);--btn-fg:var(--white);--btn-bd:var(--navy-900);}
.btn--navy:hover{--btn-bg:var(--navy-700);--btn-bd:var(--navy-700);color:var(--white);}

.btn--ghost{--btn-bg:transparent;--btn-fg:var(--white);--btn-bd:rgba(255,255,255,.55);}
.btn--ghost:hover{--btn-bg:rgba(255,255,255,.12);--btn-bd:var(--white);color:var(--white);}

.btn--outline-light{--btn-bg:transparent;--btn-fg:var(--navy-900);--btn-bd:var(--navy-900);}
.btn--outline-light:hover{--btn-bg:var(--navy-900);color:var(--white);}

.btn--sm{padding:.72rem 1.1rem;min-height:44px;font-size:.78rem;}
.btn--block{width:100%;}

.link-arrow{
  display:inline-flex;align-items:center;gap:.45rem;
  margin-top:.4rem;
  color:var(--navy-700);
  font-size:.86rem;font-weight:600;letter-spacing:.03em;
  text-decoration:none;
}
.link-arrow::after{
  content:"";display:block;height:1px;width:0;background:var(--gold-500);
  transition:width .25s var(--ease);
}
.link-arrow span{transition:transform .25s var(--ease);}
.link-arrow:hover{color:var(--navy-900);}
.link-arrow:hover span{transform:translateX(4px);}
.link-arrow:hover::after{width:14px;}

/* Tick lists */
.tick-list{display:grid;gap:.75rem;margin:0 0 1.75rem;}
.tick-list li{
  position:relative;padding-left:1.9rem;
  color:rgba(255,255,255,.86);line-height:1.6;
}
.tick-list li::before{
  content:"";position:absolute;left:0;top:.52em;
  width:11px;height:6px;
  border-left:1.8px solid var(--gold-300);
  border-bottom:1.8px solid var(--gold-300);
  transform:rotate(-45deg);
}
.tick-list--dark li{color:var(--gray-600);}
.tick-list--dark li::before{border-color:var(--gold-700);}
.tick-list--dark li strong{display:inline;}

.mini-list{display:grid;gap:.45rem;margin-top:1rem;}
.mini-list li{
  position:relative;padding-left:1.05rem;
  font-size:.9rem;line-height:1.55;color:var(--gray-600);
}
.mini-list li::before{
  content:"";position:absolute;left:0;top:.62em;
  width:5px;height:5px;border-radius:50%;background:var(--gold-500);
}

/* ==========================================================================
   04. UTILITY BAR
   ========================================================================== */
.utility-bar{
  background:var(--navy-900);
  color:rgba(255,255,255,.8);
  font-size:.8125rem;
  border-bottom:1px solid rgba(197,148,43,.28);
}
.utility-bar__inner{
  display:flex;align-items:center;justify-content:space-between;gap:1rem;
  min-height:40px;padding-block:.4rem;
}
.utility-bar p{margin:0;}
.utility-bar__area{display:flex;align-items:center;gap:.5rem;letter-spacing:.02em;}
.utility-bar__area .i{color:var(--gold-300);}
.utility-bar__contact{display:flex;align-items:center;gap:1rem;}
.utility-bar__link{
  display:inline-flex;align-items:center;gap:.5rem;
  color:rgba(255,255,255,.86);text-decoration:none;
  transition:color .2s var(--ease);
}
.utility-bar__link .i{color:var(--gold-300);}
.utility-bar__link:hover{color:var(--gold-300);}
.utility-bar__sep{width:1px;height:14px;background:rgba(255,255,255,.22);}

@media (max-width:860px){
  .utility-bar__inner{justify-content:center;}
  .utility-bar__area{display:none;}
  .utility-bar__contact{gap:.85rem;}
}
@media (max-width:520px){
  .utility-bar{font-size:.775rem;}
  .utility-bar__contact{flex-wrap:wrap;justify-content:center;row-gap:.15rem;}
}
@media (max-width:430px){
  .utility-bar__inner{padding-block:.5rem;}
  .utility-bar__contact{flex-direction:column;gap:.2rem;}
  .utility-bar__sep{display:none;}
}

/* ==========================================================================
   05. HEADER / BRAND / NAV
   ========================================================================== */
.site-header{
  position:sticky;top:0;z-index:100;
  background:var(--logo-canvas);
  border-bottom:1px solid var(--gray-200);
  transition:box-shadow .25s var(--ease),border-color .25s var(--ease);
}
.site-header.is-scrolled{
  box-shadow:0 6px 26px rgba(6,26,62,.09);
  border-bottom-color:transparent;
}
.site-header__inner{
  display:flex;align-items:center;justify-content:space-between;gap:1.25rem;
  padding-block:var(--header-pad);
  min-height:var(--header-h);
}

/* --- Brand logo ---------------------------------------------------------
   The supplied PNG is used exactly as delivered: no crop of the mark, no
   recolour, no redraw, correct aspect ratio, object-fit: contain.
   The file ships with a large empty off-white margin above and below the
   artwork (the mark occupies only the middle ~36% of the canvas). The frame
   below simply limits how much of that blank margin is displayed so the mark
   itself can be rendered large in a normal-height header. Adjust --logo-w to
   scale the whole lockup; nothing else needs to change.
   ---------------------------------------------------------------------- */
.brand{display:inline-flex;flex:none;text-decoration:none;}
.brand__frame{
  position:relative;display:block;overflow:hidden;
  width:var(--logo-w);
  height:var(--logo-band);
}
.brand__frame img{
  position:absolute;left:0;top:50%;
  width:100%;height:auto;
  transform:translateY(-50%);
  object-fit:contain;
}

/* Navigation */
.nav__list{display:flex;align-items:center;gap:.35rem;}
.nav__item--mobile-contact{display:none;}

.nav__link,
.dropdown__trigger{
  display:inline-flex;align-items:center;gap:.4rem;
  padding:.7rem .85rem;
  background:none;border:0;border-radius:var(--radius);
  color:var(--navy-900);
  font-size:.815rem;font-weight:600;letter-spacing:.075em;text-transform:uppercase;
  text-decoration:none;cursor:pointer;white-space:nowrap;
  transition:color .2s var(--ease),background-color .2s var(--ease);
}
.nav__link{position:relative;}
.nav__link::after{
  content:"";position:absolute;left:.85rem;right:.85rem;bottom:.42rem;
  height:1px;background:var(--gold-500);
  transform:scaleX(0);transform-origin:left;
  transition:transform .25s var(--ease);
}
.nav__link:hover,.dropdown__trigger:hover{color:var(--navy-500);}
.nav__link:hover::after,
.nav__link.is-active::after{transform:scaleX(1);}
.nav__link.is-active{color:var(--navy-700);}

.nav__item--cta{margin-left:.6rem;}

/* Dropdown */
.dropdown{position:relative;}
.dropdown__trigger{
  border:1px solid var(--gray-300);
  background:var(--ivory-200);
  padding-inline:1rem;
}
.dropdown__trigger:hover{border-color:var(--gold-500);background:var(--ivory);}
.dropdown__chev{
  width:14px;height:14px;flex:none;
  fill:none;stroke:var(--gold-700);stroke-width:2;stroke-linecap:round;stroke-linejoin:round;
  transition:transform .25s var(--ease);
}
.dropdown.is-open .dropdown__trigger{border-color:var(--gold-500);background:var(--ivory);}
.dropdown.is-open .dropdown__chev{transform:rotate(180deg);}

.dropdown__menu{
  position:absolute;top:calc(100% + .6rem);left:0;z-index:60;
  min-width:262px;padding:.5rem;
  background:var(--white);
  border:1px solid var(--gray-200);
  border-top:2px solid var(--gold-500);
  border-radius:var(--radius);
  box-shadow:var(--shadow-lg);
}
.dropdown__menu[hidden]{display:none;}
.dropdown__menu a{
  display:block;padding:.68rem .85rem;
  color:var(--navy-900);
  font-size:.885rem;font-weight:500;letter-spacing:.01em;text-decoration:none;
  border-radius:3px;
  transition:background-color .18s var(--ease),color .18s var(--ease);
}
.dropdown__menu a:hover,
.dropdown__menu a:focus-visible{background:var(--ivory);color:var(--navy-700);}
.dropdown__menu-cta{margin-top:.35rem;padding-top:.45rem;border-top:1px solid var(--gray-200);}
.dropdown__menu-cta a{color:var(--gold-ink);font-weight:700;}
.dropdown__menu-cta a:hover{background:var(--navy-900);color:var(--gold-300);}

/* Mobile controls */
.site-header__actions{display:none;align-items:center;gap:.5rem;}
.icon-btn{
  display:inline-flex;align-items:center;justify-content:center;
  width:46px;height:46px;
  border:1px solid var(--gray-300);border-radius:var(--radius);
  color:var(--navy-900);background:var(--logo-canvas);text-decoration:none;
}
.icon-btn .i{width:20px;height:20px;}
.icon-btn:hover{border-color:var(--gold-500);color:var(--navy-700);}

.nav-toggle{
  display:inline-flex;align-items:center;gap:.55rem;
  height:46px;padding:0 .9rem;
  background:var(--navy-900);color:var(--white);
  border:1px solid var(--navy-900);border-radius:var(--radius);
  font-size:.75rem;font-weight:600;letter-spacing:.09em;text-transform:uppercase;
  cursor:pointer;
}
.nav-toggle__bars{display:grid;gap:4px;width:18px;}
.nav-toggle__bars span{
  display:block;height:1.8px;background:currentColor;border-radius:2px;
  transition:transform .25s var(--ease),opacity .2s var(--ease);
}
.nav-toggle[aria-expanded="true"] .nav-toggle__bars span:nth-child(1){transform:translateY(5.8px) rotate(45deg);}
.nav-toggle[aria-expanded="true"] .nav-toggle__bars span:nth-child(2){opacity:0;}
.nav-toggle[aria-expanded="true"] .nav-toggle__bars span:nth-child(3){transform:translateY(-5.8px) rotate(-45deg);}

.nav-scrim{
  position:fixed;inset:0;z-index:90;
  background:rgba(6,26,62,.42);
  backdrop-filter:blur(2px);
}
.nav-scrim[hidden]{display:none;}

/* Header responsive */
@media (max-width:1120px){
  :root{--logo-w:212px;}
  .nav__link,.dropdown__trigger{padding-inline:.62rem;font-size:.775rem;}
}

@media (max-width:940px){
  :root{--logo-w:196px;--header-pad:9px;}

  .site-header__actions{display:flex;}

  .nav{
    position:absolute;left:0;right:0;top:100%;z-index:95;
    display:none;
    max-height:calc(100dvh - var(--header-h) - 96px);
    overflow-y:auto;
    padding:1rem var(--gutter) 1.6rem;
    background:var(--logo-canvas);
    border-top:1px solid var(--gray-200);
    box-shadow:0 24px 40px rgba(6,26,62,.16);
  }
  .nav.is-open{display:block;}

  .nav__list{
    flex-direction:column;align-items:stretch;gap:.15rem;
    width:min(100% , var(--container));margin-inline:auto;
  }
  .nav__item{width:100%;}

  .nav__link,.dropdown__trigger{
    width:100%;justify-content:space-between;
    padding:.95rem .25rem;font-size:.86rem;letter-spacing:.06em;
    border-bottom:1px solid var(--gray-200);border-radius:0;
  }
  .nav__link::after{display:none;}
  .dropdown__trigger{
    background:none;border:0;border-bottom:1px solid var(--gray-200);
    padding-inline:.25rem;
  }
  .dropdown.is-open .dropdown__trigger{background:none;}

  .dropdown__menu{
    position:static;min-width:0;
    margin:.35rem 0 .6rem;padding:.35rem .25rem .5rem;
    background:var(--ivory);
    border:0;border-left:2px solid var(--gold-500);border-radius:0;
    box-shadow:none;
  }
  .dropdown__menu a{padding:.72rem .9rem;font-size:.92rem;}
  .dropdown__menu-cta{border-top-color:var(--gray-300);}

  .nav__item--cta{margin:1.1rem 0 0;}
  .nav__item--cta .btn{width:100%;min-height:52px;font-size:.82rem;}

  .nav__item--mobile-contact{
    display:grid;gap:.35rem;margin-top:1rem;padding-top:1rem;
    border-top:1px solid var(--gray-200);
  }
  .nav__contact{
    color:var(--navy-700);font-size:.92rem;font-weight:500;text-decoration:none;
    padding:.35rem 0;
  }
}

@media (max-width:400px){
  :root{--logo-w:168px;}
  .nav-toggle__label{display:none;}
  .nav-toggle{padding-inline:.75rem;}
}

/* ==========================================================================
   06. HERO
   ========================================================================== */
.hero{
  position:relative;
  display:flex;align-items:center;
  min-height:clamp(520px, 74vh, 760px);
  background:var(--navy-900);
  isolation:isolate;
}
.hero__media{position:absolute;inset:0;z-index:-2;display:block;}
.hero__media img{width:100%;height:100%;object-fit:cover;object-position:70% 50%;}
.hero::after{
  content:"";position:absolute;inset:0;z-index:-1;
  background:
    linear-gradient(90deg, rgba(6,26,62,.94) 0%, rgba(6,26,62,.87) 26%, rgba(6,26,62,.58) 46%, rgba(6,26,62,.16) 68%, rgba(6,26,62,.04) 100%),
    linear-gradient(180deg, rgba(6,26,62,.42) 0%, rgba(6,26,62,0) 34%, rgba(6,26,62,.30) 100%);
}
.hero__inner{position:relative;padding-block:clamp(3.5rem,7vw,5.5rem);}
.hero__copy{max-width:48rem;}
.hero__title{
  color:var(--white);
  font-size:var(--fs-h1);
  font-weight:600;
  line-height:1.08;
  margin-bottom:1.15rem;
}
/* Each sentence holds its own line; if a face-safe column ever gets too
   narrow the sentence wraps within itself rather than colliding. */
.hero__title span{display:block;text-wrap:balance;}
.hero__lead{
  color:rgba(255,255,255,.88);
  font-size:clamp(1.03rem,1.45vw,1.2rem);
  line-height:1.66;
  max-width:36rem;
  margin-bottom:2rem;
}
.hero__actions{display:flex;flex-wrap:wrap;gap:.85rem;margin-bottom:1.9rem;}
.hero__meta{
  display:inline-block;
  padding-top:1.2rem;
  border-top:1px solid rgba(197,148,43,.42);
  color:rgba(255,255,255,.74);
  font-size:.82rem;letter-spacing:.055em;text-transform:uppercase;
}

/* Mobile: stack photograph above copy so faces are never covered by text */
@media (max-width:780px){
  .hero{
    display:block;min-height:0;
    background:linear-gradient(180deg,var(--navy-900) 0%,var(--navy-800) 100%);
  }
  .hero__media{position:relative;inset:auto;z-index:0;}
  .hero__media img{aspect-ratio:16/9;height:auto;object-position:74% 50%;}
  .hero::after{display:none;}
  .hero__inner{position:relative;padding-block:2.5rem 2.75rem;}
  .hero__copy{max-width:none;}
  .hero__actions .btn{width:100%;}
}

/* ==========================================================================
   07. SERVICE-CATEGORY STRIP
   ========================================================================== */
.strip{background:var(--navy-900);border-bottom:1px solid rgba(197,148,43,.3);}
.strip__inner{
  display:flex;align-items:stretch;flex-wrap:wrap;
}
.strip__item{
  flex:1 1 0;
  display:flex;align-items:center;justify-content:center;
  min-height:74px;padding:1rem .75rem;
  color:rgba(255,255,255,.9);
  font-size:.8rem;font-weight:600;letter-spacing:.155em;text-transform:uppercase;
  text-align:center;text-decoration:none;
  border-left:1px solid rgba(255,255,255,.13);
  transition:background-color .22s var(--ease),color .22s var(--ease);
}
.strip__item:first-child{border-left:0;}
.strip__item span{position:relative;display:inline-block;padding-bottom:.3rem;}
.strip__item span::after{
  content:"";position:absolute;left:50%;bottom:0;
  width:0;height:1px;background:var(--gold-500);
  transform:translateX(-50%);
  transition:width .25s var(--ease);
}
.strip__item:hover{background:var(--navy-700);color:var(--white);}
.strip__item:hover span::after{width:100%;}

@media (max-width:720px){
  .strip__item{flex:1 1 50%;min-height:62px;font-size:.72rem;letter-spacing:.12em;
    border-top:1px solid rgba(255,255,255,.13);}
  .strip__item:nth-child(odd){border-left:0;}
  .strip__item:nth-child(-n+2){border-top:0;}
  .strip__item:last-child{flex-basis:100%;border-left:0;}
}

/* ==========================================================================
   08. SERVICES GRID
   ========================================================================== */
.svc-grid{
  display:grid;gap:1.15rem;
  grid-template-columns:repeat(3,1fr);
}
.svc-card{
  display:flex;flex-direction:column;
  padding:2rem 1.75rem 1.85rem;
  background:var(--white);
  border:1px solid var(--gray-200);
  border-top:2px solid transparent;
  border-radius:var(--radius);
  transition:border-color .25s var(--ease),transform .25s var(--ease),box-shadow .25s var(--ease);
}
.svc-card:hover{
  border-top-color:var(--gold-500);
  transform:translateY(-4px);
  box-shadow:var(--shadow-md);
}
.svc-card__icon{
  display:inline-flex;align-items:center;justify-content:center;
  width:52px;height:52px;margin-bottom:1.15rem;
  border:1px solid var(--gray-300);border-radius:50%;
  color:var(--gold-700);
}
.svc-card__icon svg{
  width:26px;height:26px;
  fill:none;stroke:currentColor;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round;
}
.svc-card__title{font-size:1.42rem;margin-bottom:.55rem;}
.svc-card__body{font-size:.965rem;line-height:1.68;margin-bottom:1.1rem;}
.svc-card .link-arrow{margin-top:auto;}

.svc-card--cta{
  background:linear-gradient(155deg,var(--navy-900) 0%,var(--navy-700) 100%);
  border-color:var(--navy-900);
  justify-content:center;
}
.svc-card--cta .svc-card__title{color:var(--white);}
.svc-card--cta .svc-card__body{color:rgba(255,255,255,.82);}
.svc-card__actions{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:auto;}
.svc-card--cta .btn--outline-light{--btn-fg:var(--white);--btn-bd:rgba(255,255,255,.5);}
.svc-card--cta .btn--outline-light:hover{--btn-bg:var(--white);color:var(--navy-900);--btn-bd:var(--white);}

@media (max-width:1000px){.svc-grid{grid-template-columns:repeat(2,1fr);}}
@media (max-width:660px){
  .svc-grid{grid-template-columns:1fr;}
  .svc-card{padding:1.65rem 1.4rem 1.5rem;}
  .svc-card__actions .btn{width:100%;}
}

/* ==========================================================================
   09. FULL-BLEED BANNERS
   ========================================================================== */
.banner{
  position:relative;
  display:flex;align-items:center;
  min-height:clamp(460px,48vw,640px);
  isolation:isolate;
  background:var(--navy-900);
}
.banner__media{position:absolute;inset:0;z-index:-2;display:block;}
.banner__media img{width:100%;height:100%;object-fit:cover;object-position:center;}
.banner__scrim{position:absolute;inset:0;z-index:-1;}

.banner__inner{padding-block:clamp(3rem,6vw,4.75rem);}
.banner__copy{max-width:38rem;}
.banner__title{font-size:var(--fs-h2);margin-bottom:.85rem;text-wrap:balance;}
.banner__lead{font-size:var(--fs-lead);line-height:1.68;margin-bottom:1.5rem;}
.banner__note{
  font-size:var(--fs-small);line-height:1.6;
  margin-bottom:1.6rem;padding-left:.95rem;
  border-left:2px solid var(--gold-500);
}

/* Dark banner (copy on the image's dark negative space) */
.banner--dark .banner__scrim{
  background:linear-gradient(90deg, rgba(6,26,62,.96) 0%, rgba(6,26,62,.9) 34%, rgba(6,26,62,.6) 56%, rgba(6,26,62,.18) 82%, rgba(6,26,62,.08) 100%);
}
.banner--dark .banner__title{color:var(--white);}
.banner--dark .banner__lead{color:rgba(255,255,255,.86);}
.banner--dark .banner__note{color:rgba(255,255,255,.78);}

/* Light banner (copy on the image's ivory negative space) */
.banner--light{background:var(--ivory);}
.banner--light.banner--left .banner__scrim{
  background:linear-gradient(90deg, rgba(247,243,234,.97) 0%, rgba(247,243,234,.93) 36%, rgba(247,243,234,.6) 56%, rgba(247,243,234,.05) 80%, rgba(247,243,234,0) 100%);
}
.banner--light.banner--right .banner__scrim{
  background:linear-gradient(270deg, rgba(247,243,234,.97) 0%, rgba(247,243,234,.93) 34%, rgba(247,243,234,.62) 54%, rgba(247,243,234,.06) 80%, rgba(247,243,234,0) 100%);
}
.banner--light .banner__title{color:var(--navy-900);}
.banner--light .banner__lead{color:var(--gray-700);}
.banner--light .banner__note{color:var(--gray-600);}

.banner--right .banner__inner{display:flex;justify-content:flex-end;}
.banner--right .banner__copy{text-align:left;}

/* Mobile: stack the photograph above the copy */
@media (max-width:820px){
  .banner{display:block;min-height:0;}
  .banner__media{position:relative;inset:auto;z-index:0;}
  .banner__media img{aspect-ratio:16/9;height:auto;}
  .banner__scrim{display:none;}
  .banner__inner{padding-block:2.4rem 2.75rem;}
  .banner--right .banner__inner{display:block;}
  .banner__copy{max-width:none;}
  .banner--dark{background:linear-gradient(180deg,var(--navy-900) 0%,var(--navy-800) 100%);}
  .banner .btn{width:100%;}
}

/* ==========================================================================
   10. SPLIT EDITORIAL BLOCKS
   ========================================================================== */
.split{
  display:grid;gap:clamp(2rem,4.5vw,4rem);
  grid-template-columns:minmax(0,1fr) minmax(0,1fr);
  align-items:center;
}
.split--reverse .split__media{order:2;}
.split__media img{
  width:100%;
  border-radius:var(--radius-lg);
  box-shadow:var(--shadow-md);
}
.split__title{font-size:var(--fs-h3);margin-bottom:.75rem;text-wrap:balance;}
.split__copy p{margin-bottom:1.1rem;}
.split__copy .note{margin-bottom:1.4rem;}

.figure{margin:0;}
.figure__caption{
  margin-top:.85rem;
  font-size:.775rem;line-height:1.55;color:var(--gray-400);
  letter-spacing:.01em;
}

@media (max-width:900px){
  .split{grid-template-columns:1fr;gap:1.85rem;}
  .split--reverse .split__media{order:0;}
}

/* ==========================================================================
   11. FEATURE CARDS
   ========================================================================== */
.feature-cards{
  display:grid;gap:1.5rem;
  grid-template-columns:repeat(3,minmax(0,1fr));
}
.fcard{
  display:flex;flex-direction:column;
  background:var(--white);
  border:1px solid var(--gray-200);
  border-radius:var(--radius-lg);
  overflow:hidden;
  transition:transform .28s var(--ease),box-shadow .28s var(--ease);
}
.fcard:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg);}
.fcard__media{position:relative;overflow:hidden;background:var(--gray-200);}
.fcard__media img{
  width:100%;aspect-ratio:3/2;object-fit:cover;
  transition:transform .5s var(--ease);
}
.fcard:hover .fcard__media img{transform:scale(1.035);}
.fcard__media::after{
  content:"";position:absolute;left:0;right:0;bottom:0;height:3px;
  background:linear-gradient(90deg,var(--gold-500),var(--gold-300));
  transform:scaleX(0);transform-origin:left;
  transition:transform .35s var(--ease);
}
.fcard:hover .fcard__media::after{transform:scaleX(1);}
.fcard__body{padding:1.65rem 1.55rem 1.85rem;}
.fcard__title{font-size:1.5rem;margin-bottom:.6rem;}
.fcard__body p{font-size:.95rem;line-height:1.68;margin-bottom:0;}

@media (max-width:960px){
  .feature-cards{grid-template-columns:1fr;max-width:640px;margin-inline:auto;}
}

/* ==========================================================================
   12. ABOUT
   ========================================================================== */
.about-contact{
  display:grid;gap:.85rem;margin-top:1.9rem;
  grid-template-columns:repeat(auto-fit,minmax(230px,1fr));
}
.about-contact__item{
  display:flex;align-items:center;gap:.9rem;
  padding:1rem 1.15rem;
  background:var(--white);
  border:1px solid var(--gray-300);
  border-radius:var(--radius);
  text-decoration:none;color:var(--navy-900);
  transition:border-color .22s var(--ease),box-shadow .22s var(--ease),transform .22s var(--ease);
}
.about-contact__item:hover{
  border-color:var(--gold-500);box-shadow:var(--shadow-sm);transform:translateY(-2px);
}
.about-contact__item .i{width:22px;height:22px;color:var(--gold-700);}
.about-contact__label{
  display:block;font-size:.7rem;font-weight:600;letter-spacing:.14em;
  text-transform:uppercase;color:var(--gray-600);
}
.about-contact__item strong{
  display:block;font-size:.95rem;font-weight:600;overflow-wrap:anywhere;
}

/* ==========================================================================
   13. PROCESS
   ========================================================================== */
.process{
  display:grid;gap:1.5rem;
  grid-template-columns:repeat(4,minmax(0,1fr));
  counter-reset:step;
}
.process__step{
  position:relative;
  padding-top:2.15rem;
}
/* The horizon line that the step markers sit on */
.process__step::before{
  content:"";position:absolute;left:0;right:-1.5rem;top:14px;
  height:1px;background:var(--gray-300);
}
.process__step:last-child::before{right:0;}
.process__num{
  position:absolute;left:0;top:0;z-index:1;
  display:inline-flex;align-items:center;justify-content:center;
  width:30px;height:30px;
  background:var(--white);
  border:1px solid var(--gold-500);border-radius:50%;
  color:var(--gold-ink);
  font-size:.7rem;font-weight:700;letter-spacing:.05em;
}
.process__title{font-size:1.28rem;margin-bottom:.45rem;}
.process__step p{font-size:.925rem;line-height:1.66;margin:0;}

@media (max-width:900px){
  .process{grid-template-columns:repeat(2,minmax(0,1fr));gap:1.75rem 1.5rem;}
  /* the connector bridges the gutter only in the 4-across layout */
  .process__step::before{right:0;}
}
@media (max-width:560px){
  .process{grid-template-columns:1fr;gap:1.6rem;}
  .process__step::before{right:0;}
}

/* ==========================================================================
   14. INSIGHTS
   ========================================================================== */
.insights{
  position:relative;
  padding-block:var(--space-section);
  background:var(--navy-900);
  isolation:isolate;
  overflow:hidden;
}
.insights__media{position:absolute;inset:0;z-index:-2;display:block;}
.insights__media img{width:100%;height:100%;object-fit:cover;object-position:center;opacity:.24;}
.insights::after{
  content:"";position:absolute;inset:0;z-index:-1;
  background:linear-gradient(115deg, rgba(6,26,62,.96) 0%, rgba(6,26,62,.9) 46%, rgba(11,45,93,.86) 100%);
}
.insights__inner{
  display:grid;gap:clamp(2.25rem,4.5vw,4rem);
  grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);
  align-items:start;
}
.insights__title{
  color:var(--white);
  font-size:var(--fs-h2);
  margin-bottom:.85rem;
  text-wrap:balance;
}
.insights__lead{
  color:rgba(255,255,255,.84);
  font-size:var(--fs-lead);line-height:1.68;
  margin-bottom:1.85rem;
}
.questions{display:grid;gap:.15rem;counter-reset:q;}
.questions__item{
  display:flex;align-items:flex-start;gap:1.1rem;
  padding:1.15rem .25rem;
  border-top:1px solid rgba(255,255,255,.14);
}
.questions__item:last-child{border-bottom:1px solid rgba(255,255,255,.14);}
.questions__num{
  flex:none;
  font-family:var(--font-display);
  font-size:1.35rem;font-weight:600;line-height:1.1;
  color:var(--gold-300);
  min-width:2.1rem;
}
.questions__item p{
  margin:0;
  color:rgba(255,255,255,.9);
  font-size:1.005rem;line-height:1.58;
}

@media (max-width:900px){
  .insights__inner{grid-template-columns:1fr;}
  .insights .btn{width:100%;}
}

/* ==========================================================================
   15. CONSULTATION & FORM
   ========================================================================== */
.review{
  display:grid;gap:clamp(1.75rem,3.5vw,2.75rem);
  grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);
  align-items:start;
}

.contact-cta{
  display:flex;align-items:center;gap:1rem;
  padding:1.15rem 1.25rem;margin-bottom:.85rem;
  background:var(--white);
  border:1px solid var(--gray-300);
  border-radius:var(--radius);
  color:var(--navy-900);text-decoration:none;
  transition:transform .22s var(--ease),box-shadow .22s var(--ease),border-color .22s var(--ease);
}
.contact-cta:hover{transform:translateY(-2px);box-shadow:var(--shadow-md);border-color:var(--gold-500);}
.contact-cta .i{width:24px;height:24px;color:var(--gold-700);}
.contact-cta__label{
  display:block;font-size:.7rem;font-weight:600;letter-spacing:.14em;
  text-transform:uppercase;color:var(--gray-600);
}
.contact-cta strong{display:block;font-size:1rem;font-weight:600;overflow-wrap:anywhere;}
.contact-cta--gold{
  background:linear-gradient(140deg,var(--navy-900),var(--navy-700));
  border-color:var(--navy-900);
}
.contact-cta--gold .i{color:var(--gold-300);}
.contact-cta--gold .contact-cta__label{color:rgba(255,255,255,.7);}
.contact-cta--gold strong{color:var(--white);font-size:1.2rem;letter-spacing:.01em;}

.review__panel{
  margin-top:1.6rem;padding:1.6rem 1.5rem;
  background:var(--white);
  border:1px solid var(--gray-200);
  border-left:3px solid var(--gold-500);
  border-radius:var(--radius);
}
.review__panel-title{font-size:1.22rem;margin-bottom:1rem;}
.review__panel .tick-list{margin-bottom:1.15rem;}
.review__area{
  display:flex;align-items:center;gap:.55rem;
  margin:0;padding-top:1rem;
  border-top:1px solid var(--gray-200);
  font-size:.85rem;letter-spacing:.04em;text-transform:uppercase;
  color:var(--gray-600);
}
.review__area .i{color:var(--gold-700);}

.form{
  padding:clamp(1.5rem,3vw,2.25rem);
  background:var(--white);
  border:1px solid var(--gray-200);
  border-top:3px solid var(--navy-900);
  border-radius:var(--radius);
  box-shadow:var(--shadow-sm);
}
.form__intro{font-size:.9rem;color:var(--gray-600);margin-bottom:1.5rem;}
.form__row{display:grid;gap:1.1rem;grid-template-columns:repeat(2,minmax(0,1fr));margin-bottom:1.1rem;}

.field{display:block;margin-bottom:1.1rem;}
.form__row .field{margin-bottom:0;}
.field label{
  display:block;margin-bottom:.4rem;
  font-size:.79rem;font-weight:600;letter-spacing:.085em;text-transform:uppercase;
  color:var(--navy-900);
}
.field__hint{font-weight:500;letter-spacing:.04em;text-transform:none;color:var(--gray-400);}
.req{color:var(--gold-ink);}

.field input,
.field select,
.field textarea{
  width:100%;
  padding:.85rem .95rem;
  background:var(--ivory-200);
  border:1px solid var(--gray-300);
  border-radius:var(--radius);
  font-size:1rem;line-height:1.5;
  color:var(--navy-900);
  transition:border-color .2s var(--ease),background-color .2s var(--ease),box-shadow .2s var(--ease);
}
.field textarea{resize:vertical;min-height:120px;}
.field select{
  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='%23A87A1E' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9.5 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat:no-repeat;
  background-position:right .85rem center;
  background-size:18px 18px;
  padding-right:2.6rem;
}
.field input::placeholder,
.field textarea::placeholder{color:var(--gray-400);}
.field input:focus,
.field select:focus,
.field textarea:focus{
  background:var(--white);
  border-color:var(--gold-500);
  box-shadow:0 0 0 3px rgba(197,148,43,.16);
  outline:none;
}
.field input:focus-visible,
.field select:focus-visible,
.field textarea:focus-visible{outline:3px solid var(--gold-500);outline-offset:1px;}

.field--check{
  display:grid;grid-template-columns:auto 1fr;gap:.2rem .7rem;align-items:start;
  margin-bottom:1.6rem;
}
.field--check input{width:24px;height:24px;margin-top:.1rem;accent-color:var(--navy-700);}
.field--check label{
  margin:0;
  font-size:.875rem;font-weight:400;letter-spacing:0;text-transform:none;
  line-height:1.55;color:var(--gray-600);
}
.field--check .field__error{grid-column:1 / -1;}

.field__error{
  margin:.4rem 0 0;
  font-size:.8rem;font-weight:500;color:#A32020;
}
.field__error[hidden]{display:none;}
.field.has-error input,
.field.has-error select,
.field.has-error textarea{border-color:#A32020;background:#FDF6F6;}

.form__status{
  margin-top:1.25rem;padding:1.15rem 1.25rem;
  border:1px solid var(--gray-300);
  border-left:3px solid var(--gold-500);
  border-radius:var(--radius);
  background:var(--ivory);
  font-size:.9rem;line-height:1.6;
}
.form__status:empty{display:none;padding:0;margin:0;border:0;}
.form__status:focus{outline:3px solid var(--gold-500);outline-offset:2px;}
.form__status h3{font-size:1.1rem;margin-bottom:.4rem;}
.form__status p{margin-bottom:.75rem;}
.form__status--error{border-left-color:#A32020;background:#FDF6F6;}
.form__status--ok{border-left-color:#1F7A4D;background:#F3FAF6;}
.form__status-actions{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:.9rem;}

/* Netlify honeypot — must exist in the DOM for spam filtering, must never
   be seen or reachable by keyboard. */
.hp-field{
  position:absolute!important;
  width:1px;height:1px;
  padding:0;margin:-1px;
  overflow:hidden;clip:rect(0 0 0 0);clip-path:inset(50%);
  white-space:nowrap;border:0;
}
.hp-field input{width:1px;height:1px;padding:0;border:0;}

.form__legal{
  margin:1.15rem 0 0;
  font-size:.775rem;line-height:1.55;color:var(--gray-400);
}

@media (max-width:1000px){
  .review{grid-template-columns:1fr;}
}
@media (max-width:560px){
  .form__row{grid-template-columns:1fr;gap:1.1rem;}
  .form__row .field{margin-bottom:0;}
}

/* ==========================================================================
   16. FOOTER
   ========================================================================== */
.site-footer{
  background:var(--navy-900);
  color:rgba(255,255,255,.74);
  font-size:.92rem;
}
.site-footer__top{
  display:grid;gap:2.25rem clamp(1.5rem,3vw,3rem);
  grid-template-columns:1.5fr 1fr 1fr 1.25fr;
  padding-block:clamp(3rem,5.5vw,4.5rem) 2.5rem;
}
.logo-plaque{
  display:inline-block;
  padding:.85rem 1.05rem;
  background:var(--logo-canvas);
  border-radius:6px;
  box-shadow:0 2px 10px rgba(0,0,0,.18);
}
.brand__frame--footer{--logo-w:214px;width:var(--logo-w);height:calc(var(--logo-w) * 0.315);}
.site-footer__brand{max-width:24rem;}
.site-footer__tagline{
  margin:1.1rem 0 1rem;
  font-family:var(--font-display);
  font-size:1.28rem;font-style:italic;
  color:var(--gold-300);
  max-width:22ch;
  text-wrap:balance;
}
.site-footer__referral{
  font-size:.85rem;line-height:1.6;
  padding-left:.95rem;
  border-left:2px solid rgba(197,148,43,.5);
  color:rgba(255,255,255,.7);
}
.site-footer__referral strong{color:var(--gold-300);font-weight:600;}

.site-footer__heading{
  margin-bottom:1.05rem;
  font-family:var(--font-body);
  font-size:.735rem;font-weight:700;letter-spacing:.185em;text-transform:uppercase;
  color:var(--gold-300);
}
.site-footer__nav ul,
.site-footer__contact ul{display:grid;gap:.6rem;}
.site-footer a{color:rgba(255,255,255,.8);text-decoration:none;overflow-wrap:anywhere;}
.site-footer a:hover{color:var(--gold-300);text-decoration:underline;}
.site-footer__contact ul{margin-bottom:1.4rem;}
.site-footer__person{margin-bottom:1rem;line-height:1.5;}
.site-footer__person strong{color:var(--white);}

.site-footer__legal{
  padding-block:1.85rem 2.25rem;
  border-top:1px solid rgba(255,255,255,.14);
}
.site-footer__legal p{
  font-size:.78rem;line-height:1.65;color:rgba(255,255,255,.55);
  max-width:100ch;margin-bottom:.9rem;
}
.site-footer__copyright{
  display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:.75rem;
  margin-bottom:0!important;padding-top:.5rem;
}
.site-footer__totop{
  font-size:.78rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;
  color:var(--gold-300)!important;
}

@media (max-width:980px){
  .site-footer__top{grid-template-columns:1fr 1fr;}
  .site-footer__brand{grid-column:1 / -1;max-width:none;}
}
@media (max-width:600px){
  .site-footer__top{grid-template-columns:1fr;gap:2rem;}
  .site-footer__contact .btn{width:100%;}
}

/* ==========================================================================
   17. MOTION & PRINT PREFERENCES
   ========================================================================== */
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto;}
  *,*::before,*::after{
    animation-duration:.001ms!important;
    animation-iteration-count:1!important;
    transition-duration:.001ms!important;
    scroll-behavior:auto!important;
  }
  .btn:hover,.svc-card:hover,.fcard:hover,.contact-cta:hover,.about-contact__item:hover{
    transform:none;
  }
  .fcard:hover .fcard__media img{transform:none;}
}

@media print{
  .utility-bar,.site-header,.nav-scrim,.strip,.hero__media,.banner__media,
  .insights__media,.form,.btn{display:none!important;}
  body{color:#000;background:#fff;}
  .hero,.banner,.insights{background:#fff!important;min-height:0;}
  .hero__title,.banner__title,.insights__title,.hero__lead,.banner__lead,
  .insights__lead,.questions__item p,.tick-list li{color:#000!important;}
}