/* ============================================================
   LuxeStone Insurance Advisors : Design System
   Palette: black / ivory / gold accent / charcoal / muted stone
   Typeface: Inter throughout (weight and size do the work)
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800;900&display=swap');

:root{
  --ink:#0A0A0A;
  --charcoal:#2B2B2B;
  --stone:#8a8a80;
  --stone-light:#cfcfc8;
  --ivory:#F5F1E8;
  --white:#FFFFFF;
  --navy:#0A0A0A;
  --navy-light:#2B2B2B;
  --gold:#C9A24B;
  --gold-deep:#B4903F;
  --gold-text:#7D6128;
  --line: rgba(10,10,10,0.14);
  --line-light: rgba(201,162,75,0.25);

  --font-display:'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-body:'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-mono:'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --maxw: 1200px;
}

*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:var(--font-body);
  color:var(--ink);
  background:var(--white);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block;}
a{color:inherit;}
h1,h2,h3,h4{
  font-family:var(--font-display);
  font-weight:800;
  line-height:1.14;
  margin:0 0 .5em;
  letter-spacing:-0.02em;
}
h1{font-size:clamp(2.3rem,4.6vw,3.7rem); font-weight:800; letter-spacing:-0.025em;}
h2{font-size:clamp(1.6rem,3vw,2.35rem);}
h3{font-size:clamp(1.15rem,1.8vw,1.4rem); font-weight:700;}
p{margin:0 0 1em;}
.container{max-width:var(--maxw); margin:0 auto; padding:0 28px;}
.eyebrow{
  font-family:var(--font-body);
  font-weight:600;
  font-size:.78rem;
  letter-spacing:.14em;
  text-transform:uppercase;
  color:var(--stone);
  margin-bottom:1em;
}
.lede{font-size:1.15rem; color:var(--charcoal); max-width:60ch;}

/* Buttons */
.btn{
  display:inline-flex; align-items:center; gap:.5em;
  font-family:var(--font-body); font-weight:700; font-size:.95rem;
  padding:.95em 1.7em;
  border-radius:2px;
  text-decoration:none;
  border:1px solid transparent;
  cursor:pointer;
  letter-spacing:.01em;
  transition:background .18s ease, color .18s ease, border-color .18s ease, transform .18s ease;
}
.btn-primary{background:var(--gold); color:var(--ink); border-color:var(--gold);}
.btn-primary:hover{background:var(--gold-deep); border-color:var(--gold-deep); transform:translateY(-1px);}
.btn-secondary{background:transparent; color:var(--ink); border-color:var(--ink);}
.btn-secondary:hover{background:var(--ink); color:var(--white);}
.btn-on-dark{background:transparent; color:var(--gold); border-color:var(--gold);}
.btn-on-dark:hover{background:var(--gold); color:var(--ink);}
.btn-on-dark.filled{background:var(--gold); color:var(--ink); border-color:var(--gold);}
.btn-on-dark.filled:hover{background:var(--gold-deep); border-color:var(--gold-deep);}
.btn-block{width:100%; justify-content:center;}

/* ---------- Header / Nav ---------- */
.site-header{
  position:sticky; top:0; z-index:50;
  background:var(--ink);
  border-bottom:1px solid var(--line-light);
}
.nav-row{
  display:flex; align-items:center; justify-content:space-between;
  padding:18px 28px;
  max-width:var(--maxw); margin:0 auto;
}
.brand{
  font-family:var(--font-display); font-weight:600; font-size:1.35rem;
  text-decoration:none; color:var(--gold);
  letter-spacing:.01em;
  display:flex; flex-direction:column; line-height:1.05;
}
.brand small{
  font-family:var(--font-body); font-size:.62rem; letter-spacing:.16em;
  color:var(--stone-light); text-transform:uppercase; font-weight:400; margin-top:4px; opacity:.75;
}
.main-nav{display:flex; align-items:center; gap:2px;}
.main-nav a{
  font-size:.9rem; font-weight:500; text-decoration:none; color:var(--stone-light);
  padding:10px 14px; border-radius:2px;
  transition:color .15s ease;
  position:relative;
}
.main-nav a:hover, .main-nav a.active{color:var(--gold);}
.main-nav a.active::after{
  content:""; position:absolute; left:14px; right:14px; bottom:4px; height:2px; background:var(--gold);
}
.nav-cta{margin-left:10px;}

/* Nav submenu (Insurance Solutions) */
.nav-group{position:relative; display:flex; align-items:center;}
.nav-group > a{display:inline-flex; align-items:center; gap:6px;}
.nav-caret{
  font-family:var(--font-mono); font-size:.6rem; line-height:1;
  opacity:.7; transform:translateY(1px);
}
.nav-sub{
  position:absolute; top:100%; left:6px; min-width:250px; z-index:60;
  background:var(--ink); border:1px solid var(--line-light); border-radius:2px;
  padding:6px 0; display:none;
  box-shadow:0 16px 36px rgba(0,0,0,.38);
}
.nav-group:hover .nav-sub, .nav-group:focus-within .nav-sub{display:block;}
.nav-sub a{display:block; padding:11px 18px; font-size:.86rem; white-space:nowrap;}
.nav-sub a.active{color:var(--gold);}
.nav-sub a.active::after{display:none;}
.nav-toggle{
  display:none; background:none; border:none; cursor:pointer; padding:6px;
}
.nav-toggle span{display:block; width:24px; height:2px; background:var(--gold); margin:5px 0; transition:.2s;}

@media (max-width:940px){
  .main-nav{
    position:fixed; inset:0 0 0 auto; width:min(320px,84vw); height:100vh;
    background:var(--ink); color:var(--white);
    flex-direction:column; align-items:flex-start; gap:0;
    padding:90px 28px 28px;
    transform:translateX(100%);
    transition:transform .3s ease;
  }
  .main-nav.open{transform:translateX(0);}
  .main-nav a{color:var(--white); width:100%; padding:14px 4px; border-bottom:1px solid var(--line-light); font-size:.98rem; line-height:1.3;}
  .main-nav a.active::after{display:none;}
  .main-nav a.active{color:var(--gold);}
  .nav-cta{margin-left:0; margin-top:18px;}
  .nav-toggle{display:block;}
  .nav-group{display:block; width:100%;}
  .nav-caret{display:none;}
  .nav-sub{
    position:static; display:block; min-width:0; padding:0;
    background:transparent; border:none; box-shadow:none;
  }
  .nav-sub a{padding-left:22px; font-size:.92rem;}
  .nav-sub a[data-page="insurance"]{display:none;}
}

/* ---------- Hero ---------- */
.hero{
  position:relative;
  background:var(--ink);
  color:var(--white);
  overflow:hidden;
  padding:110px 0 90px;
}
.hero-pitch{
  position:absolute; inset:0; pointer-events:none; opacity:.5;
}
.hero-inner{position:relative; z-index:1; max-width:760px;}
.hero .eyebrow{color:var(--stone-light);}
.hero p.lede{color:var(--stone-light); font-size:1.2rem;}
.hero-ctas{display:flex; gap:14px; flex-wrap:wrap; margin-top:2em;}
.hero-tagline{
  margin-top:2.4em; padding-top:1.6em; border-top:1px solid var(--line-light);
  font-family:var(--font-mono); font-size:.85rem; letter-spacing:.04em; color:var(--stone-light);
}

/* ---------- Sections generic ---------- */
section{padding:88px 0;}
section.tight{padding:64px 0;}
.section-alt{background:var(--ivory);}
.section-dark{background:var(--ink); color:var(--white);}
.section-dark .eyebrow{color:var(--stone-light);}
.section-dark h2, .section-dark h3{color:var(--white);}
.section-navy{background:var(--navy); color:var(--white);}
.section-navy .eyebrow{color:var(--stone-light);}

.section-head{max-width:700px; margin-bottom:48px;}
.section-head.wide{max-width:900px;}

/* ---------- Grids ---------- */
.grid{display:grid; gap:28px;}
.grid-2{grid-template-columns:repeat(2,1fr);}
.grid-3{grid-template-columns:repeat(3,1fr);}
.grid-4{grid-template-columns:repeat(4,1fr);}
@media (max-width:860px){
  .grid-2,.grid-3,.grid-4{grid-template-columns:1fr;}
}

/* Split layout (image/text) */
.split{
  display:grid; grid-template-columns:1fr 1fr; gap:60px; align-items:center;
}
.split.reverse .split-media{order:2;}
@media (max-width:860px){
  .split{grid-template-columns:1fr; gap:32px;}
  .split.reverse .split-media{order:0;}
}
.split-media img{border-radius:2px; width:100%; object-fit:cover; aspect-ratio:4/5; object-position:top;}
.split-media.landscape img{aspect-ratio:4/3; object-position:top;}

/* Cards */
.card{
  background:var(--white); border:1px solid var(--line); padding:32px 28px; border-radius:2px;
}
.card-num{
  font-family:var(--font-mono); font-size:.78rem; color:var(--stone); margin-bottom:1em; display:block;
}
.card h3{margin-bottom:.5em;}
.card p{color:var(--charcoal); font-size:.96rem; margin-bottom:0;}

.tag-list{display:flex; flex-wrap:wrap; gap:9px; margin-top:1em;}
.tag{
  font-family:var(--font-mono); font-size:.74rem; letter-spacing:.03em;
  border:1px solid var(--line); padding:7px 12px; border-radius:2px; color:var(--charcoal);
}
.section-dark .tag, .section-navy .tag{border-color:var(--line-light); color:var(--stone-light);}

/* Category block used on Insurance Solutions / Contractor Risks */
.category{
  border-top:1px solid var(--line); padding-top:36px; margin-top:36px;
}
.category:first-child{border-top:none; margin-top:0; padding-top:0;}
.category-head{
  display:flex; align-items:baseline; justify-content:space-between; gap:20px; flex-wrap:wrap;
  margin-bottom:18px;
}
.category-head h3{margin-bottom:0;}
.category-index{font-family:var(--font-mono); font-size:.78rem; color:var(--stone);}
.category ul{
  columns:2; column-gap:40px; margin:0; padding:0; list-style:none;
}
.category ul li{
  break-inside:avoid; margin-bottom:10px; padding-left:18px; position:relative; font-size:.96rem; color:var(--charcoal);
}
.category ul li::before{
  content:"•"; position:absolute; left:0; color:var(--gold-deep);
}
@media (max-width:700px){ .category ul{columns:1;} }

/* Process steps */
.process-list{list-style:none; margin:0; padding:0;}
.process-list li{
  display:grid; grid-template-columns:80px 1fr; gap:24px;
  padding:28px 0; border-top:1px solid var(--line);
}
.process-list li:last-child{border-bottom:1px solid var(--line);}
.process-list .pnum{font-family:var(--font-mono); font-size:.85rem; color:var(--stone); padding-top:.2em;}
.process-list h3{margin-bottom:.35em;}
.process-list p{color:var(--charcoal); margin-bottom:0; max-width:60ch;}
.process-list.labeled li{grid-template-columns:190px 1fr;}
.process-list .plabel{font-weight:700; font-size:.98rem; color:var(--gold-text); line-height:1.35;}
@media (max-width:700px){
  .process-list.labeled li{grid-template-columns:1fr; gap:8px;}
}
.article-byline{font-size:.85rem; color:var(--stone); letter-spacing:.02em; margin-bottom:0;}
.article-byline strong{color:var(--charcoal); font-weight:600;}
.page-hero .article-byline{color:var(--stone-light);}
.page-hero .article-byline strong{color:var(--white);}
.article-body p{max-width:68ch;}
.article-body h2{margin-top:1.6em; padding-bottom:.5em; border-bottom:1px solid var(--line);}
.download-card{
  background:var(--white); border:1px solid var(--line); border-left:3px solid var(--gold-deep);
  padding:34px 30px; border-radius:2px; margin:8px 0 4px;
}
.download-card h3{margin-bottom:.4em;}
.download-card p{color:var(--charcoal); margin-bottom:1.3em; max-width:52ch;}

/* Placeholder callouts */
.placeholder{
  display:inline;
  color:var(--stone);
  font-style:italic;
  font-size:.95em;
  border-bottom:1px dotted var(--stone);
}
.section-dark .placeholder, .section-navy .placeholder{
  color:var(--stone-light);
  border-bottom-color:var(--stone-light);
}
.placeholder-block{
  border:1px dashed var(--stone);
  background:var(--ivory);
  padding:20px 24px;
  border-radius:2px;
  font-family:var(--font-mono);
  font-size:.85rem;
  color:var(--charcoal);
}
.placeholder-block strong{display:block; font-family:var(--font-body); font-size:.95rem; margin-bottom:.4em; color:var(--ink);}

/* Disclaimer box */
.disclaimer{
  border-left:3px solid var(--stone);
  padding:18px 22px;
  background:var(--ivory);
  font-size:.88rem;
  color:var(--charcoal);
  border-radius:0 2px 2px 0;
}
.section-dark .disclaimer, .section-navy .disclaimer{
  background:rgba(255,255,255,0.06);
  border-left-color:var(--stone-light);
  color:var(--stone-light);
}

/* FAQ */
.faq-item{border-top:1px solid var(--line);}
.faq-item:last-child{border-bottom:1px solid var(--line);}
.faq-q{
  width:100%; text-align:left; background:none; border:none; cursor:pointer;
  padding:22px 0; display:flex; justify-content:space-between; align-items:center; gap:20px;
  font-family:var(--font-body); font-weight:600; font-size:1rem; color:var(--ink);
}
.faq-q .plus{font-family:var(--font-mono); font-size:1.1rem; color:var(--stone); flex:none; transition:transform .2s;}
.faq-item.open .plus{transform:rotate(45deg);}
.faq-a{max-height:0; overflow:hidden; transition:max-height .25s ease;}
.faq-a p{padding-bottom:22px; color:var(--charcoal); margin:0; max-width:70ch;}

/* Final CTA band */
.cta-band{
  background:var(--navy); color:var(--white); text-align:center; padding:80px 0;
}
.cta-band h2{color:var(--white); max-width:640px; margin-left:auto; margin-right:auto;}
.cta-band p{color:var(--stone-light); max-width:520px; margin:0 auto 2em;}
.cta-band .hero-ctas{justify-content:center;}

/* ---------- Forms ---------- */
.form-grid{display:grid; grid-template-columns:1fr 1fr; gap:20px;}
.form-grid .full{grid-column:1/-1;}
@media (max-width:700px){.form-grid{grid-template-columns:1fr;}}
label{
  display:block; font-size:.82rem; font-weight:600; margin-bottom:.4em; color:var(--charcoal);
}
input,select,textarea{
  width:100%; font-family:var(--font-body); font-size:.95rem;
  padding:.8em .9em; border:1px solid var(--line); border-radius:2px;
  background:var(--white); color:var(--ink);
}
input:focus,select:focus,textarea:focus{
  outline:2px solid var(--gold-deep); outline-offset:1px; border-color:var(--gold-deep);
}
textarea{resize:vertical; min-height:120px;}
.checkbox-grid{display:grid; grid-template-columns:repeat(2,1fr); gap:10px 20px;}
@media (max-width:700px){.checkbox-grid{grid-template-columns:1fr;}}
.checkbox-item{display:flex; align-items:flex-start; gap:.6em; font-size:.9rem; color:var(--charcoal); font-weight:400;}
.checkbox-item input{width:auto; margin-top:.25em;}
.field-error{color:#8A3324; font-size:.8rem; margin-top:.35em; display:none;}
.field-error.show{display:block;}
.form-msg{
  padding:16px 18px; border-radius:2px; font-size:.9rem; margin-top:20px; display:none;
}
.form-msg.success{display:block; background:#EAF1EA; color:#2C4A2E; border:1px solid #B9CFB9;}
.form-msg.error{display:block; background:#F6E8E4; color:#8A3324; border:1px solid #E3BEB2;}

/* ---------- Footer ---------- */
.site-footer{background:var(--ink); color:var(--stone-light); padding:64px 0 28px;}
.footer-grid{display:grid; grid-template-columns:1.4fr 1fr 1fr 1fr; gap:40px; margin-bottom:48px;}
@media (max-width:820px){.footer-grid{grid-template-columns:1fr 1fr;}}
@media (max-width:520px){.footer-grid{grid-template-columns:1fr;}}
.footer-grid h4{
  color:var(--white); font-family:var(--font-mono); font-size:.75rem; letter-spacing:.1em;
  text-transform:uppercase; font-weight:500; margin-bottom:1.2em;
}
.footer-grid ul{list-style:none; margin:0; padding:0;}
.footer-grid li{margin-bottom:.7em;}
.footer-grid a{text-decoration:none; color:var(--stone-light); font-size:.92rem;}
.footer-grid a:hover{color:var(--white);}
.footer-brand{font-family:var(--font-display); font-size:1.4rem; color:var(--white); margin-bottom:.4em;}
.footer-bottom{
  border-top:1px solid var(--line-light); padding-top:24px;
  display:flex; justify-content:space-between; align-items:center; gap:20px; flex-wrap:wrap;
  font-size:.8rem; color:var(--stone);
}
.footer-bottom a{color:var(--stone); text-decoration:underline;}
.footer-legal{max-width:820px; font-size:.78rem; color:var(--stone); line-height:1.7; margin-bottom:24px;}

/* Skip link */
.skip-link{
  position:absolute; left:-999px; top:0; background:var(--ink); color:var(--white);
  padding:12px 18px; z-index:100;
}
.skip-link:focus{left:12px; top:12px;}

/* Focus visibility */
a:focus-visible, button:focus-visible, input:focus-visible, textarea:focus-visible, select:focus-visible{
  outline:2px solid var(--gold-deep); outline-offset:2px;
}

@media (prefers-reduced-motion: reduce){
  *{animation:none !important; transition:none !important; scroll-behavior:auto !important;}
}

/* Page hero (interior pages, shorter) */
.page-hero{background:var(--ink); color:var(--white); padding:80px 0 64px;}
.page-hero .eyebrow{color:var(--stone-light);}
.page-hero p.lede{color:var(--stone-light);}
.breadcrumb{
  font-family:var(--font-mono); font-size:.75rem; color:var(--stone-light); margin-bottom:1.4em;
  letter-spacing:.04em;
}
.breadcrumb a{color:var(--stone-light); text-decoration:none;}
.breadcrumb a:hover{text-decoration:underline;}

/* Stat / index strip */
.index-strip{
  display:flex; flex-wrap:wrap; gap:0; border-top:1px solid var(--line); border-bottom:1px solid var(--line);
}
.index-strip .idx-item{
  flex:1 1 200px; padding:26px 24px; border-right:1px solid var(--line);
}
.index-strip .idx-item:last-child{border-right:none;}
.index-strip .idx-label{font-family:var(--font-mono); font-size:.72rem; letter-spacing:.08em; color:var(--stone); text-transform:uppercase; margin-bottom:.5em;}
.index-strip .idx-value{font-family:var(--font-display); font-size:1.3rem;}

/* ============================================================
   Homepage v3 : editorial / advisory-firm redesign
   ============================================================ */

/* Scroll reveal */
.reveal{opacity:0; transform:translateY(28px); transition:opacity .7s cubic-bezier(.16,.8,.3,1), transform .7s cubic-bezier(.16,.8,.3,1);}
.reveal.in-view{opacity:1; transform:translateY(0);}
.reveal-delay-1.in-view{transition-delay:.08s;}
.reveal-delay-2.in-view{transition-delay:.16s;}
.reveal-delay-3.in-view{transition-delay:.24s;}

/* Full-viewport minimal hero */
.hero-v3{
  min-height:100vh;
  display:flex; flex-direction:column; justify-content:center;
  background:var(--ink); color:var(--white);
  position:relative; padding:140px 0 60px;
}
.hero-v3 .container{max-width:980px;}
.hero-v3 .eyebrow{color:var(--stone-light);}
.hero-v3 h1{
  font-size:clamp(2.6rem,6.4vw,5.4rem);
  font-weight:700;
  letter-spacing:-0.01em;
  line-height:1.06;
  margin-bottom:.42em;
}
.hero-v3 .lede{
  font-size:clamp(1.05rem,1.6vw,1.3rem);
  color:var(--stone-light);
  max-width:52ch;
  margin-bottom:1.6em;
}
.hero-v3 .hero-ctas{margin-top:0;}
.scroll-cue{
  position:absolute; left:28px; bottom:36px;
  display:flex; align-items:center; gap:12px;
  font-size:.75rem; letter-spacing:.12em; text-transform:uppercase; color:var(--stone);
}
.scroll-cue .line{width:1px; height:34px; background:var(--stone); position:relative; overflow:hidden;}
.scroll-cue .line::after{
  content:""; position:absolute; left:0; top:-100%; width:100%; height:100%; background:var(--white);
  animation:scrollline 1.8s ease-in-out infinite;
}
@keyframes scrollline{ 0%{top:-100%;} 60%{top:100%;} 100%{top:100%;} }

/* Numbered narrative list (problems) */
.narrative-list{border-top:1px solid var(--line);}
.narrative-row{
  display:grid; grid-template-columns:120px 1fr; gap:32px;
  padding:44px 0; border-bottom:1px solid var(--line);
  align-items:start;
}
.narrative-num{
  font-family:var(--font-display);
  font-size:clamp(2.4rem,4vw,3.4rem); font-weight:600; letter-spacing:-0.01em;
  color:var(--gold); line-height:1;
}
.section-alt .narrative-num, .section-white .narrative-num{color:var(--gold-deep);}
.narrative-row h3{margin-bottom:.3em; font-size:clamp(1.2rem,2vw,1.5rem);}
.narrative-row p{color:var(--charcoal); max-width:62ch; margin-bottom:0; font-size:1.02rem;}
.narrative-close{
  padding:36px 0 0; font-size:1.15rem; font-weight:600; letter-spacing:-0.01em; max-width:56ch;
}

/* Duotone photo treatment */
.photo-duotone{position:relative; overflow:hidden; border-radius:2px;}
.photo-duotone img{
  filter:grayscale(1) contrast(1.08) brightness(.98);
  display:block; width:100%; height:100%; object-fit:cover;
}
.photo-duotone::after{
  content:""; position:absolute; inset:0;
  background:linear-gradient(160deg, rgba(10,10,10,0.5), rgba(10,10,10,0.32));
  mix-blend-mode:multiply;
}
.photo-duotone.light::after{
  background:linear-gradient(160deg, rgba(10,10,10,0.28), rgba(10,10,10,0.14));
}

/* Full-bleed credibility section */
.credibility{
  display:grid; grid-template-columns:.9fr 1.1fr;
  min-height:640px;
}
.credibility-media{position:relative; min-height:340px;}
.credibility-media .photo-duotone{position:absolute; inset:0; border-radius:0;}
.credibility-text{
  background:var(--ink); color:var(--white);
  display:flex; flex-direction:column; justify-content:center;
  padding:80px 64px;
}
.credibility-text .eyebrow{color:var(--stone-light);}
.credibility-quote{
  font-family:var(--font-display);
  font-size:clamp(1.5rem,2.6vw,2.1rem); font-weight:600; letter-spacing:-0.01em; line-height:1.22;
  margin-bottom:.6em;
}
.credibility-text p.body{color:var(--stone-light); font-size:1.02rem; max-width:52ch;}
@media (max-width:900px){
  .credibility{grid-template-columns:1fr;}
  .credibility-media{min-height:340px;}
  .credibility-text{padding:56px 28px;}
}

/* Dark process section with large numerals, no cards */
.process-v3{border-top:1px solid var(--line-light);}
.process-v3-row{
  display:grid; grid-template-columns:110px 1fr; gap:28px;
  padding:38px 0; border-bottom:1px solid var(--line-light);
}
.process-v3-row .pv3-num{
  font-family:var(--font-display);
  font-size:clamp(2rem,3.4vw,2.8rem); font-weight:600; color:var(--gold); letter-spacing:-0.01em; line-height:1;
}
.process-v3-row h3{color:var(--white); margin-bottom:.3em;}
.process-v3-row p{color:var(--stone-light); margin-bottom:0; max-width:60ch;}

/* Editorial contrast split (us vs typical agency) */
.contrast-split{display:grid; grid-template-columns:1fr 1fr; gap:0; border:1px solid var(--line); border-radius:2px; overflow:hidden;}
.contrast-col{padding:48px 44px;}
.contrast-col.muted{background:var(--ivory);}
.contrast-col.strong{background:var(--navy); color:var(--white);}
.contrast-label{
  font-size:.78rem; font-weight:600; letter-spacing:.1em; text-transform:uppercase; margin-bottom:1.4em; display:block;
  color:var(--stone);
}
.contrast-col.strong .contrast-label{color:var(--stone-light);}
.contrast-col p{font-size:1.08rem; line-height:1.6; margin-bottom:1em;}
.contrast-col.muted p{color:var(--charcoal);}
.contrast-col.strong p{color:var(--white);}
.contrast-col p:last-child{margin-bottom:0;}
@media (max-width:820px){.contrast-split{grid-template-columns:1fr;}}

/* Minimal text-led solutions list (de-emphasized, secondary) */
.solutions-minimal{border-top:1px solid var(--line);}
.solutions-minimal-row{
  display:flex; justify-content:space-between; align-items:baseline; gap:20px;
  padding:22px 0; border-bottom:1px solid var(--line);
}
.solutions-minimal-row .sm-name{font-weight:600; font-size:1.05rem;}
.solutions-minimal-row .sm-desc{color:var(--stone); font-size:.9rem; text-align:right; max-width:44ch;}
@media (max-width:700px){
  .solutions-minimal-row{flex-direction:column; align-items:flex-start; gap:4px;}
  .solutions-minimal-row .sm-desc{text-align:left;}
}

/* ---------- Hero photo split (reference layout) ---------- */
.hero-split{
  background:var(--ink);
  display:grid; grid-template-columns:1.05fr .95fr;
  min-height:600px;
}
.hero-split-text{
  padding:100px 56px 70px 28px;
  display:flex; flex-direction:column; justify-content:center;
  max-width:620px;
}
.hero-split-text .eyebrow{color:var(--gold);}
.hero-split-text h1{color:var(--white); margin-bottom:.4em;}
.hero-split-text p.lede{color:var(--stone-light);}
.hero-split-photo{position:relative; overflow:hidden; min-height:340px;}
.hero-split-photo img{width:100%; height:100%; object-fit:cover; object-position:center top; display:block;}
@media (max-width:900px){
  .hero-split{grid-template-columns:1fr;}
  .hero-split-text{padding:64px 28px 40px; max-width:none;}
  .hero-split-photo{min-height:420px;}
}

/* Feature stripe */
.feature-stripe{background:var(--ivory); border-bottom:1px solid var(--line);}
.feature-stripe-row{
  display:grid; grid-template-columns:repeat(6,1fr);
}
.feature-stripe-row div{
  text-align:center; font-size:.8rem; font-weight:600; letter-spacing:.01em;
  color:var(--charcoal); padding:26px 12px; border-left:1px solid var(--line);
}
.feature-stripe-row div:first-child{border-left:none;}
@media (max-width:820px){
  .feature-stripe-row{grid-template-columns:repeat(2,1fr);}
  .feature-stripe-row div:nth-child(odd){border-left:none;}
  .feature-stripe-row div{border-top:1px solid var(--line);}
  .feature-stripe-row div:nth-child(-n+2){border-top:none;}
}

/* Pull quote + credentials (About split) */
.pull-quote{
  border-left:2px solid var(--gold);
  padding:4px 0 4px 22px;
  font-family:var(--font-display);
  font-style:italic;
  font-size:1.2rem;
  color:var(--ink);
  margin:1.4em 0;
  line-height:1.5;
}
.pull-quote cite{
  display:block; font-family:var(--font-body); font-style:normal; font-size:.85rem;
  color:var(--stone); margin-top:.7em;
}
.cred-list{list-style:none; margin:1.2em 0 0; padding:0;}
.cred-list li{
  font-size:.92rem; color:var(--charcoal); padding:8px 0 8px 26px; position:relative;
  border-top:1px solid var(--line);
}
.cred-list li:first-child{border-top:none;}
.cred-list li::before{content:"•"; position:absolute; left:0; color:var(--gold-deep);}

/* Practice areas (3-col dark band) */
.practice-grid{
  display:grid; grid-template-columns:repeat(3,1fr);
  border-top:1px solid var(--line-light);
}
.practice-col{padding:40px 36px; border-left:1px solid var(--line-light);}
.practice-col:first-child{border-left:none;}
.practice-col .eyebrow{color:var(--gold); margin-bottom:1.2em;}
.practice-col h3{color:var(--white); font-size:1.25rem;}
.practice-col p{color:var(--stone-light); font-size:.94rem; margin-bottom:0;}
@media (max-width:820px){
  .practice-grid{grid-template-columns:1fr;}
  .practice-col{border-left:none; border-top:1px solid var(--line-light); padding:32px 4px;}
  .practice-col:first-child{border-top:none;}
}

/* Checklist */
.checklist{list-style:none; margin:1.6em 0 0; padding:0; max-width:640px;}
.checklist li{
  display:flex; align-items:flex-start; gap:14px;
  padding:14px 0; border-top:1px solid var(--line);
  font-size:1.02rem; color:var(--ink);
}
.checklist li:first-child{border-top:none;}
.checklist li svg{flex:none; width:20px; height:20px; stroke:var(--gold-deep); stroke-width:2; fill:none; margin-top:.15em;}

/* Steps grid (3-col numbered) */
.steps-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:36px; margin-top:8px;}
.steps-grid .step-num{
  font-family:var(--font-display); font-weight:600; font-size:2.2rem; color:var(--gold); line-height:1; margin-bottom:.4em;
}
.steps-grid h4{font-size:1.1rem; margin-bottom:.4em;}
.steps-grid p{color:var(--charcoal); font-size:.92rem; margin-bottom:0;}
@media (max-width:820px){.steps-grid{grid-template-columns:1fr; gap:28px;}}

/* Industries split */
.industries-split{background:var(--ink); color:var(--white);}
.industries-split .eyebrow{color:var(--gold);}
.industries-split ul{list-style:none; margin:1.2em 0 0; padding:0; columns:2; column-gap:28px;}
.industries-split ul li{
  padding:9px 0 9px 20px; position:relative; font-size:.98rem; color:var(--stone-light);
  border-top:1px solid var(--line-light); break-inside:avoid;
}
.industries-split ul li:nth-child(1), .industries-split ul li:nth-child(2){border-top:none;}
.industries-split ul li::before{content:"•"; position:absolute; left:0; color:var(--gold);}
.industries-split ul li.primary{color:var(--gold); font-weight:600;}

/* Contact close split */
.contact-close{background:var(--ink); color:var(--white); padding:100px 0;}
.contact-close-grid{display:grid; grid-template-columns:1.2fr .8fr; gap:48px; align-items:center;}
.contact-close .eyebrow{color:var(--gold);}
.contact-close h2{color:var(--white);}
.contact-close p{color:var(--stone-light); max-width:48ch;}
.contact-close-card{
  border:1px solid var(--line-light); padding:36px 32px; border-radius:2px;
}
.contact-close-card h3{color:var(--white); margin-bottom:.3em;}
.contact-close-card p{color:var(--stone-light); font-size:.9rem; margin-bottom:1.4em;}
@media (max-width:820px){.contact-close-grid{grid-template-columns:1fr;}}

/* Close section */
.close-v3{
  background:var(--ink); color:var(--white); padding:130px 0;
  text-align:left;
}
.close-v3 h2{font-size:clamp(2.2rem,4.6vw,3.6rem); max-width:14ch; margin-bottom:.5em;}
.close-v3 p{color:var(--stone-light); max-width:48ch; font-size:1.08rem;}
.resource-card .eyebrow{margin-bottom:.8em;}
.resource-card h3{font-size:1.05rem; margin-bottom:.5em;}
.resource-card p{font-size:.9rem; color:var(--charcoal); flex:1;}
.coming-soon{
  font-family:var(--font-mono); font-size:.72rem; letter-spacing:.06em; text-transform:uppercase;
  color:var(--gold-deep); margin-top:1em;
}

/* ---------- Icon system ---------- */
.icon-badge{
  width:48px; height:48px; border-radius:50%;
  border:1px solid var(--line);
  display:flex; align-items:center; justify-content:center;
  margin-bottom:18px; flex:none;
}
.icon-badge svg{width:22px; height:22px; stroke:var(--gold-deep); fill:none; stroke-width:1.5; stroke-linecap:round; stroke-linejoin:round;}
.section-dark .icon-badge, .section-navy .icon-badge{border-color:var(--line-light);}
.section-dark .icon-badge svg, .section-navy .icon-badge svg{stroke:var(--stone-light);}
.card.with-icon{display:flex; flex-direction:column;}

/* ---------- Stat strip ---------- */
.stat-strip{
  display:flex; flex-wrap:wrap; border-top:1px solid var(--line-light); margin-top:2.4em; padding-top:2em;
}
.stat-strip .stat{flex:1 1 160px; padding-right:24px;}
.stat-num{font-family:var(--font-display); font-weight:700; font-size:clamp(1.6rem,3vw,2.1rem); color:var(--gold); letter-spacing:-0.01em; line-height:1;}
.stat-label{font-size:.82rem; color:var(--stone-light); margin-top:.5em; max-width:22ch;}

/* ---------- Comparison table ---------- */
.compare-wrap{border:1px solid var(--line); border-radius:2px; overflow:hidden;}
.compare-head{display:grid; grid-template-columns:1.3fr 1fr 1fr;}
.compare-head > div{padding:20px 22px; font-weight:700; font-size:.95rem;}
.compare-head .ch-label{background:var(--white);}
.compare-head .ch-them{background:var(--ivory); color:var(--charcoal); text-align:center;}
.compare-head .ch-us{background:var(--navy); color:var(--white); text-align:center;}
.compare-row{display:grid; grid-template-columns:1.3fr 1fr 1fr; border-top:1px solid var(--line);}
.compare-row > div{padding:16px 22px; font-size:.92rem; display:flex; align-items:center;}
.compare-row .cr-label{color:var(--ink); font-weight:500;}
.compare-row .cr-them, .compare-row .cr-us{justify-content:center; text-align:center; color:var(--charcoal);}
.compare-row .cr-us{background:rgba(201,162,75,0.08); font-weight:600; color:var(--gold-deep);}
.mark{width:18px; height:18px; stroke-width:2; display:inline-block;}
.mark.no{stroke:var(--stone);}
.mark.yes{stroke:var(--gold-deep);}
@media (max-width:700px){
  .compare-head > div, .compare-row > div{padding:12px 10px; font-size:.8rem;}
  .compare-head .ch-label{grid-column:1/-1; padding-bottom:4px;}
}

/* ---------- Category icon grid (replaces stacked category blocks) ---------- */
.category-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:1px; background:var(--line); border:1px solid var(--line);}
.category-tile{background:var(--white); padding:32px 28px;}
.category-tile .icon-badge{margin-bottom:16px;}
.category-tile h3{font-size:1.1rem; margin-bottom:.5em;}
.category-tile ul{list-style:none; margin:0; padding:0;}
.category-tile ul li{
  font-size:.88rem; color:var(--charcoal); padding:5px 0 5px 15px; position:relative;
}
.category-tile ul li::before{content:"\2022"; position:absolute; left:0; color:var(--gold-deep);}
@media (max-width:900px){.category-grid{grid-template-columns:repeat(2,1fr);}}
@media (max-width:620px){.category-grid{grid-template-columns:1fr;}}

/* Compact secondary list (for long reference lists that don't need full card treatment) */
.compact-list-wrap{border:1px solid var(--line); border-radius:2px; padding:8px 32px;}
.compact-row{
  display:grid; grid-template-columns:200px 1fr; gap:20px;
  padding:18px 0; border-top:1px solid var(--line);
}
.compact-row:first-child{border-top:none;}
.compact-row h4{font-size:.95rem; font-weight:700; margin:0; color:var(--ink);}
.compact-row p{margin:0; font-size:.9rem; color:var(--charcoal);}
@media (max-width:700px){
  .compact-row{grid-template-columns:1fr; gap:6px;}
}

/* Details/summary disclosure (progressive form sections) */
.form-disclosure{border:1px solid var(--line); border-radius:2px; margin-top:8px;}
.form-disclosure summary{
  cursor:pointer; list-style:none; padding:18px 22px;
  font-weight:600; font-size:.95rem; color:var(--ink);
  display:flex; align-items:center; justify-content:space-between;
}
.form-disclosure summary::-webkit-details-marker{display:none;}
.form-disclosure summary .toggle-icon{font-family:var(--font-mono); color:var(--gold-deep); font-size:1.1rem;}
.form-disclosure[open] summary .toggle-icon{transform:rotate(45deg); display:inline-block;}
.form-disclosure summary:hover{color:var(--gold-deep);}
.form-disclosure-body{padding:4px 22px 26px;}
.form-disclosure-hint{font-size:.85rem; color:var(--stone); margin:-4px 0 18px; padding:0 22px;}

/* Insight pull-quote break (for long list-heavy pages) */
.insight-break{
  border-top:1px solid var(--line); border-bottom:1px solid var(--line);
  padding:44px 0; margin:8px 0;
}
.insight-break p{
  font-family:var(--font-display); font-style:italic; font-size:1.35rem; color:var(--ink);
  max-width:52ch; margin:0; line-height:1.45;
}


.cta-insert{
  border:1px solid var(--line); border-radius:2px; padding:36px 40px;
  display:flex; align-items:center; justify-content:space-between; gap:24px; flex-wrap:wrap;
  background:var(--white);
}
.cta-insert h3{margin-bottom:.3em;}
.cta-insert p{margin-bottom:0; color:var(--charcoal); font-size:.94rem;}


.page-section{animation:fadein .18s ease;}
@keyframes fadein{from{opacity:0;} to{opacity:1;}}


/* ============================================================
   Lead-generation components (forms, resource landing pages,
   confirmation pages, scheduling). Reuses the existing
   palette, typeface and 2px-radius border language.
   ============================================================ */

/* Form panel used by the Business Risk Review and resource forms */
.lead-form-card{
  border:1px solid var(--line); border-radius:2px; padding:36px 34px;
  background:var(--white);
}
.section-alt .lead-form-card{background:var(--white);}
.lead-form-card > h2, .lead-form-card > h3{margin-bottom:.4em;}
.lead-form-card .form-intro{color:var(--charcoal); font-size:.96rem; max-width:56ch;}
@media (max-width:600px){
  .lead-form-card{padding:26px 20px;}
}

/* The general question form sits below the Business Risk Review form and
   stays visibly secondary to it. */
.ask-question{max-width:760px; margin:0 auto;}
.ask-question .lead-form-card{background:var(--ivory);}
.ask-question .eyebrow{margin-bottom:.5em;}

/* Required-field hint */
.form-required-note{
  font-size:.8rem; color:var(--stone); margin:0 0 22px;
}

/* Trust-building copy next to a form. Quiet, not a banner. */
.trust-note{
  border-left:2px solid var(--gold); padding:2px 0 2px 18px;
  margin:0 0 26px; max-width:60ch;
}
.trust-note p{font-size:.92rem; color:var(--charcoal); margin:0 0 .7em;}
.trust-note p:last-child{margin-bottom:0;}

/* Small-print legal/licensing disclosure. Deliberately understated. */
.legal-note{
  font-size:.82rem; line-height:1.65; color:var(--stone);
  max-width:88ch; margin:0;
}
.site-footer .legal-note{color:var(--stone); opacity:.85;}
.legal-note + .legal-note{margin-top:.8em;}

/* Resource landing page */
.resource-lp{padding:72px 0 88px;}
.resource-lp-grid{
  display:grid; grid-template-columns:1fr 1fr; gap:56px; align-items:start;
}
@media (max-width:900px){
  .resource-lp-grid{grid-template-columns:1fr; gap:36px;}
  .resource-lp{padding:48px 0 64px;}
}
.resource-lp-copy h1{font-size:clamp(1.9rem,3.6vw,2.8rem);}
.resource-lp-copy .lede{margin-bottom:1.6em;}
.resource-inside{list-style:none; margin:0; padding:0; max-width:56ch;}
.resource-inside li{
  font-size:.94rem; color:var(--charcoal); padding:10px 0 10px 18px;
  position:relative; border-top:1px solid var(--line);
}
.resource-inside li:first-child{border-top:none;}
.resource-inside li::before{content:"\2022"; position:absolute; left:0; color:var(--gold-deep);}

/* Confirmation pages */
.confirm-hero{padding:88px 0 56px;}
.confirm-hero h1{max-width:22ch;}
.confirm-hero .lede{max-width:62ch;}
.confirm-body{padding:0 0 88px;}
.confirm-actions{
  display:flex; flex-wrap:wrap; gap:14px; margin-top:8px;
}
.next-steps{list-style:none; margin:1.4em 0 0; padding:0; max-width:60ch;}
.next-steps li{
  position:relative; padding:12px 0 12px 30px; border-top:1px solid var(--line);
  font-size:.96rem; color:var(--charcoal);
}
.next-steps li:first-child{border-top:none;}
.next-steps li::before{
  content:"\2192"; position:absolute; left:0; top:12px; color:var(--gold-deep); font-weight:700;
}

/* Scheduling block */
.schedule-panel{
  border:1px solid var(--line); border-radius:2px; padding:36px 34px; background:var(--white);
}
.schedule-panel h2{margin-bottom:.35em;}
.schedule-panel p.lede{font-size:1.02rem; margin-bottom:1.4em;}
.schedule-embed{
  position:relative; width:100%; min-height:680px; border:1px solid var(--line); border-radius:2px;
  overflow:hidden; background:var(--ivory);
}
.schedule-embed iframe{width:100%; height:100%; min-height:680px; border:0; display:block;}
@media (max-width:600px){
  .schedule-panel{padding:26px 20px;}
  .schedule-embed, .schedule-embed iframe{min-height:900px;}
}
.schedule-prefill{
  font-size:.85rem; color:var(--stone); margin-top:1em;
}

/* Integration-pending notice. Shown only where a service is not yet
   connected, so nothing on the page is a dead control. */
.setup-note{
  border:1px dashed var(--line); border-left:3px solid var(--gold-deep);
  border-radius:2px; padding:22px 24px; background:var(--ivory);
  margin-bottom:26px;
}
.setup-note .setup-label{
  font-family:var(--font-mono); font-size:.7rem; letter-spacing:.12em; text-transform:uppercase;
  color:var(--gold-text); font-weight:700; display:block; margin-bottom:.6em;
}
.setup-note p{font-size:.9rem; color:var(--charcoal); margin:0 0 .7em;}
.setup-note p:last-child{margin-bottom:0;}
.setup-note code{
  font-family:ui-monospace, SFMono-Regular, Menlo, monospace; font-size:.85em;
  background:var(--white); border:1px solid var(--line); padding:1px 5px; border-radius:2px;
  overflow-wrap:anywhere;
}

/* Contact-method fallback list (used beside scheduling) */
.contact-inline{
  display:flex; flex-wrap:wrap; gap:10px 28px; margin:0; padding:0; list-style:none;
}
.contact-inline li{font-size:.94rem; color:var(--charcoal);}
.contact-inline a{color:var(--gold-text); font-weight:600; text-decoration:none;}
.contact-inline a:hover{text-decoration:underline;}

/* Mobile ergonomics: comfortable tap targets and no overflow. */
@media (max-width:700px){
  input,select,textarea{font-size:1rem; min-height:48px; padding:.75em .8em;}
  textarea{min-height:130px;}
  .btn{min-height:48px; width:100%; justify-content:center;}
  .hero-ctas{flex-direction:column; align-items:stretch;}
  .confirm-actions{flex-direction:column; align-items:stretch;}
  .checkbox-item input{min-height:0;}
  /* Addresses and links are the strings most likely to push past a narrow screen. */
  a[href^="mailto:"], a[href^="tel:"]{overflow-wrap:anywhere;}
}
.field{min-width:0;}
.form-grid{min-width:0;}

/* Honeypot field: hidden from people, available to bots. */
.hp-field{position:absolute; left:-9999px; width:1px; height:1px; overflow:hidden;}

/* In-page jumps clear the sticky header. */
#request-resource, .schedule-panel{scroll-margin-top:110px;}