/* Cornerstone Capital — styles.css */
:root{
  --navy:#0A1628; --navy-2:#0F1E36; --navy-3:#152742;
  --gold:#C9A961; --gold-soft:#E3CD97; --gold-ink:#5F4716; --gold-text:#D4B673; /* gold-ink = AA-compliant gold for text on cream */
  --cream:#FAF8F5; --cream-2:#F2EDE4; --ink:#0A1628; --muted:#3A4354; --muted-dark:#B8C2D1;
  --rule:rgba(201,169,97,.45);
  --serif:"Cormorant Garamond", Georgia, "Times New Roman", serif;
  --display:"Cinzel", "Trajan Pro", Georgia, serif;
  --sans:system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --wrap:1180px; --radius:2px;
  --ease:cubic-bezier(.2,.7,.2,1);
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation:none!important;transition:none!important}}
body{margin:0;background:var(--cream);color:var(--ink);font-family:var(--serif);font-size:1.25rem;line-height:1.65;font-weight:400;text-rendering:optimizeLegibility;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--gold-ink);text-decoration-thickness:1px;text-underline-offset:.2em}
a:hover{color:var(--navy)}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:var(--navy);padding:.6rem 1rem;z-index:100;font-family:var(--sans);font-size:.9rem}
.skip:focus{left:1rem;top:1rem}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 1.5rem}
.narrow{max-width:780px}
h1,h2,h3,h4{font-family:var(--display);font-weight:500;line-height:1.2;letter-spacing:.02em;color:var(--navy);margin:0 0 .6em}
h1{font-size:clamp(2.1rem,4.6vw,3.6rem)}
h2{font-size:clamp(1.6rem,3vw,2.35rem)}
h3{font-size:1.3rem;letter-spacing:.03em}
h4{font-size:1.05rem}
p{margin:0 0 1.1em}
ul,ol{padding-left:1.2em;margin:0 0 1.2em}
li{margin-bottom:.4em}
strong{font-weight:600}
.eyebrow{font-family:var(--sans);font-size:.75rem;letter-spacing:.24em;text-transform:uppercase;color:var(--gold-ink);font-weight:600;margin:0 0 1rem;display:flex;align-items:center;gap:.8rem}
.eyebrow::before{content:"";width:2.2rem;height:1px;background:currentColor;opacity:.7}
.lead{font-size:1.45rem;line-height:1.55;color:#24324a}
.small{font-size:1rem}
.rule{border:0;height:1px;background:linear-gradient(90deg,transparent,var(--gold),transparent);margin:3rem auto;max-width:520px}
.diamond-rule{display:flex;align-items:center;justify-content:center;gap:.8rem;margin:1.2rem 0 2rem}
.diamond-rule::before,.diamond-rule::after{content:"";height:1px;width:70px;background:var(--gold)}
.diamond-rule span{width:7px;height:7px;background:var(--gold);transform:rotate(45deg)}
.center{text-align:center}.center .eyebrow{justify-content:center}
.center .eyebrow::after{content:"";width:2.2rem;height:1px;background:currentColor;opacity:.7}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.6rem;font-family:var(--sans);font-size:.8rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase;text-decoration:none;padding:1rem 1.8rem;border:1px solid var(--gold);border-radius:var(--radius);transition:background .35s var(--ease),color .35s var(--ease),border-color .35s var(--ease);cursor:pointer;line-height:1.2}
.btn-gold{background:linear-gradient(180deg,#D4B673,#C3A055);color:var(--navy)}
.btn-gold:hover{background:var(--cream);color:var(--navy);border-color:var(--cream)}
.btn-ghost{background:transparent;color:var(--cream)}
.btn-ghost:hover{background:var(--gold);color:var(--navy)}
.btn-navy{background:var(--navy);color:var(--cream);border-color:var(--navy)}
.btn-navy:hover{background:transparent;color:var(--navy)}
.btn-row{display:flex;flex-wrap:wrap;gap:1rem;margin-top:2rem}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(10,22,40,.97);border-bottom:1px solid rgba(201,169,97,.22);backdrop-filter:saturate(1.2) blur(6px)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:84px;gap:1.5rem}
.brand{display:flex;align-items:center;gap:.8rem;text-decoration:none;color:var(--cream)}
.brand img{width:44px;height:auto}
.brand-text{display:flex;flex-direction:column;line-height:1}
.brand-name{font-family:var(--display);font-size:1.32rem;letter-spacing:.08em;color:#F4F1EA}
.brand-sub{font-family:var(--display);font-size:.66rem;letter-spacing:.52em;color:var(--gold);margin-top:.35rem;display:flex;align-items:center;gap:.45rem}
.brand-sub::before,.brand-sub::after{content:"";height:1px;flex:1;background:var(--gold);opacity:.7;min-width:14px}
.nav{display:flex;align-items:center;gap:1.6rem}
.nav ul{list-style:none;margin:0;padding:0;display:flex;align-items:center;gap:1.45rem}
.nav li{margin:0;position:relative}
.nav a{font-family:var(--sans);font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;color:#E9E4D8;text-decoration:none;padding:.5rem 0;display:inline-block;transition:color .25s}
.nav a:hover,.nav a[aria-current="page"]{color:var(--gold)}
.nav a[aria-current="page"]{box-shadow:inset 0 -1px 0 var(--gold)}
.nav .btn{padding:.75rem 1.2rem;color:var(--gold);font-size:.72rem}
.nav .btn:hover{color:var(--navy)}
.has-sub>.sub{position:absolute;top:100%;left:-1.2rem;min-width:270px;background:var(--navy);border:1px solid rgba(201,169,97,.3);padding:.8rem 0;display:block;opacity:0;visibility:hidden;transform:translateY(6px);transition:opacity .25s,transform .25s,visibility .25s}
.has-sub:hover>.sub,.has-sub:focus-within>.sub{opacity:1;visibility:visible;transform:none}
.sub li{display:block}
.sub a{display:block;padding:.55rem 1.2rem;letter-spacing:.08em;text-transform:none;font-size:.88rem}
.nav-toggle{display:none;background:none;border:1px solid rgba(201,169,97,.5);color:var(--gold);padding:.55rem .75rem;font-family:var(--sans);font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;cursor:pointer;border-radius:var(--radius)}
@media (max-width:1100px){
  .nav-toggle{display:inline-block}
  .nav{position:fixed;inset:84px 0 0 0;background:var(--navy);flex-direction:column;align-items:stretch;padding:1.5rem;overflow-y:auto;display:none}
  .nav.open{display:flex}
  .nav ul{flex-direction:column;align-items:stretch;gap:0}
  .nav li{border-bottom:1px solid rgba(201,169,97,.15)}
  .nav a{padding:1rem 0;font-size:.85rem;display:block}
  .has-sub>.sub{position:static;opacity:1;visibility:visible;transform:none;border:0;padding:0 0 .6rem 1rem;min-width:0}
  .sub li{border:0}
  .sub a{padding:.45rem 0;font-size:.95rem}
  .nav .btn{margin-top:1.5rem;padding:1rem}
}

/* Hero */
.hero{position:relative;background:radial-gradient(90% 70% at 72% 92%,#6a4a32 0%,#3b3442 22%,#1d2a46 45%,#0f1d35 65%,var(--navy) 85%);color:var(--cream);overflow:hidden;isolation:isolate}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,22,40,.95) 0%,rgba(10,22,40,.7) 40%,rgba(10,22,40,0) 72%);z-index:-1}
.hero-skyline{position:absolute;left:0;right:0;bottom:0;height:62%;z-index:-2;opacity:.95}
.hero-skyline img{width:100%;height:100%;object-fit:cover;object-position:60% 100%}
.hero-inner{display:grid;grid-template-columns:1.25fr .75fr;align-items:center;gap:2rem;min-height:min(78vh,720px);padding-top:5rem;padding-bottom:6rem}
.hero h1{color:#F7F3EA;font-family:var(--serif);font-weight:500;font-size:clamp(2.6rem,5.6vw,4.6rem);line-height:1.06;letter-spacing:0;margin-bottom:1.4rem}
.hero h1 .gold{color:var(--gold);display:block}
.hero .eyebrow{color:var(--gold)}
.hero p.sub{font-size:1.4rem;max-width:36rem;color:#E4E0D6}
.hero-emblem{justify-self:center;width:min(100%,330px);filter:drop-shadow(0 18px 40px rgba(0,0,0,.55))}
@media (max-width:860px){.hero-inner{grid-template-columns:1fr;min-height:0;padding-top:3.5rem;padding-bottom:9rem}.hero-emblem{display:none}.hero::after{background:linear-gradient(180deg,rgba(10,22,40,.92) 0%,rgba(10,22,40,.75) 60%,rgba(10,22,40,.3) 100%)}.hero-skyline{height:40%}}
.page-hero{background:linear-gradient(180deg,var(--navy) 0%,var(--navy-2) 100%);color:var(--cream);padding:4.5rem 0 4rem;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;left:0;right:0;bottom:0;height:1px;background:linear-gradient(90deg,transparent,var(--gold),transparent)}
.page-hero h1{color:#F7F3EA;max-width:20ch}
.page-hero .eyebrow{color:var(--gold)}
.page-hero p.lead{color:#DCD7CC;max-width:44rem}
.crumbs{font-family:var(--sans);font-size:.78rem;letter-spacing:.06em;margin:0 0 1.6rem;color:var(--muted-dark)}
.crumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:.4rem}
.crumbs li{margin:0}
.crumbs li+li::before{content:"/";margin-right:.4rem;color:var(--gold)}
.crumbs a{color:var(--muted-dark);text-decoration:none}
.crumbs a:hover{color:var(--gold)}

/* Pillars band */
.pillars{background:var(--navy-2);color:var(--cream);border-top:1px solid rgba(201,169,97,.2)}
.pillars .grid{display:grid;grid-template-columns:repeat(4,1fr)}
.pillar{padding:2.6rem 1.6rem;text-align:center;border-right:1px solid rgba(201,169,97,.22)}
.pillar:last-child{border-right:0}
.pillar svg{width:38px;height:38px;margin:0 auto 1rem;stroke:var(--gold);fill:none;stroke-width:1.3}
.pillar h3{color:var(--gold);font-size:.95rem;letter-spacing:.16em;text-transform:uppercase;margin-bottom:.6rem}
.pillar p{font-size:1.1rem;color:#D8D3C8;margin:0;line-height:1.45}
@media (max-width:860px){.pillars .grid{grid-template-columns:1fr 1fr}.pillar:nth-child(2){border-right:0}.pillar{border-bottom:1px solid rgba(201,169,97,.18)}}
@media (max-width:480px){.pillars .grid{grid-template-columns:1fr}.pillar{border-right:0}}
.tagline-band{background:linear-gradient(90deg,#B8964F,#D9BF80 50%,#B8964F);color:var(--navy);text-align:center;padding:1.05rem 1rem;font-family:var(--display);letter-spacing:.24em;font-size:clamp(.85rem,1.6vw,1.1rem);text-transform:uppercase}
.fee-band{background:var(--cream-2);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule);text-align:center;padding:1.6rem 1rem}
.fee-band p{margin:0;font-family:var(--display);letter-spacing:.12em;font-size:clamp(1rem,2vw,1.3rem);color:var(--navy)}
.fee-band span{color:var(--gold-ink)}

/* Sections */
.section{padding:6rem 0}
.section-tight{padding:4rem 0}
.section-navy{background:var(--navy);color:#E4E0D6}
.section-navy h2,.section-navy h3{color:#F7F3EA}
.section-navy .eyebrow{color:var(--gold)}
.section-navy a{color:var(--gold)}
.section-navy a:hover{color:var(--cream)}
.section-alt{background:var(--cream-2)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:4.5rem;align-items:center}
.split-60{grid-template-columns:1.2fr .8fr}
@media (max-width:860px){.split,.split-60{grid-template-columns:1fr;gap:2.5rem}.section{padding:4rem 0}}
.section-head{max-width:760px;margin-bottom:3rem}
.section-head.center{margin-left:auto;margin-right:auto}

.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1.6rem}
.cards-2{grid-template-columns:repeat(2,1fr)}
.cards-4{grid-template-columns:repeat(4,1fr)}
@media (max-width:980px){.cards,.cards-4{grid-template-columns:1fr 1fr}}
@media (max-width:620px){.cards,.cards-2,.cards-4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid rgba(10,22,40,.09);padding:2.2rem 2rem;position:relative;transition:transform .45s var(--ease),box-shadow .45s var(--ease),border-color .45s}
.card::before{content:"";position:absolute;top:0;left:2rem;width:2.5rem;height:2px;background:var(--gold)}
.card:hover{transform:translateY(-3px);box-shadow:0 18px 40px -22px rgba(10,22,40,.35);border-color:rgba(201,169,97,.5)}
.card h3{font-size:1.18rem;margin-bottom:.7rem}
.card h3 a{color:var(--navy);text-decoration:none}
.card h3 a::after{content:"";position:absolute;inset:0}
.card p{font-size:1.12rem;color:#2c3a52;margin-bottom:1rem}
.card .more{font-family:var(--sans);font-size:.74rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-ink);font-weight:600}
.card.feature{background:var(--navy);color:#E4E0D6;border-color:var(--navy)}
.card.feature h3 a{color:var(--gold)}
.card.feature p{color:#D3CEC3}
.card.feature .more{color:var(--gold)}
.tag{display:inline-block;font-family:var(--sans);font-size:.66rem;letter-spacing:.18em;text-transform:uppercase;border:1px solid var(--gold);color:var(--gold);padding:.25rem .6rem;margin-bottom:1rem}
.section-navy .card{background:var(--navy-3);border-color:rgba(201,169,97,.2)}
.section-navy .card h3{color:#F7F3EA}
.section-navy .card p{color:#CFCabf}

.steps{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:2rem;list-style:none;padding:0}
.steps li{position:relative;padding-top:3.6rem;margin:0}
.steps li::before{counter-increment:step;content:"0" counter(step);position:absolute;top:0;left:0;font-family:var(--display);font-size:2rem;color:var(--gold)}
.steps li::after{content:"";position:absolute;top:1.3rem;left:3.6rem;right:0;height:1px;background:var(--rule)}
.steps h3{font-size:1.08rem}
.steps p{font-size:1.1rem;margin:0}
@media (max-width:860px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.steps{grid-template-columns:1fr}}

.checklist{list-style:none;padding:0}
.checklist li{position:relative;padding-left:2rem;margin-bottom:.8rem}
.checklist li::before{content:"";position:absolute;left:0;top:.62em;width:.8rem;height:.8rem;border:1px solid var(--gold);transform:rotate(45deg)}
.xlist{list-style:none;padding:0}
.xlist li{position:relative;padding-left:2rem;margin-bottom:.8rem}
.xlist li::before{content:"";position:absolute;left:.1rem;top:.95em;width:.9rem;height:1px;background:var(--gold-ink)}
.section-navy .xlist li::before{background:var(--gold)}
.two-col-list{columns:2;column-gap:3rem}
@media (max-width:620px){.two-col-list{columns:1}}

.panel{border:1px solid var(--rule);padding:2.4rem;background:#fff}
.panel-navy{background:var(--navy);color:#E4E0D6;border-color:var(--navy)}
.panel-navy h2,.panel-navy h3{color:#F7F3EA}
.quote{font-family:var(--serif);font-style:italic;font-size:clamp(1.5rem,2.6vw,2rem);line-height:1.4;color:var(--navy);border-left:2px solid var(--gold);padding-left:1.6rem;margin:2rem 0}
.section-navy .quote{color:#F2EDE2}
.prose h2{margin-top:2.6rem}
.prose h3{margin-top:2rem}
.prose{max-width:760px}
.prose table{width:100%;border-collapse:collapse;font-size:1.05rem;margin:1.5rem 0 2rem}
.prose th,.prose td{border-bottom:1px solid rgba(10,22,40,.12);padding:.7rem .6rem;text-align:left;vertical-align:top}
.prose th{font-family:var(--sans);font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.note{font-family:var(--sans);font-size:.88rem;line-height:1.6;color:var(--muted);border-top:1px solid rgba(10,22,40,.12);padding-top:1rem;margin-top:2rem}
.callout{background:var(--cream-2);border-left:2px solid var(--gold);padding:1.4rem 1.6rem;margin:2rem 0}
.callout p:last-child{margin:0}

/* FAQ */
.faq{max-width:860px}
.faq details{border-bottom:1px solid rgba(10,22,40,.14);padding:0}
.faq details:first-of-type{border-top:1px solid rgba(10,22,40,.14)}
.faq summary{cursor:pointer;list-style:none;padding:1.4rem 2.5rem 1.4rem 0;position:relative;font-family:var(--display);font-size:1.08rem;letter-spacing:.02em;color:var(--navy)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:.3rem;top:1.1rem;font-family:var(--sans);font-weight:300;font-size:1.6rem;color:var(--gold-ink);transition:transform .3s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .answer{padding:0 0 1.4rem;color:#2c3a52}
.faq .answer p:last-child{margin:0}

/* About */
.headshot{aspect-ratio:4/5;background:repeating-linear-gradient(45deg,#13233d 0 14px,#0f1e36 14px 28px);border:1px solid var(--gold);display:flex;align-items:center;justify-content:center;text-align:center;color:var(--gold);font-family:var(--sans);font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;padding:2rem;position:relative}
.headshot::after{content:"";position:absolute;inset:12px;border:1px solid rgba(201,169,97,.35)}
.values{display:grid;grid-template-columns:repeat(5,1fr);gap:1px;background:var(--rule);border:1px solid var(--rule)}
.values div{background:var(--cream);padding:1.8rem 1.2rem;text-align:center}
.values h3{font-size:.95rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-ink);margin-bottom:.4rem}
.values p{font-size:1.05rem;margin:0;line-height:1.45}
@media (max-width:860px){.values{grid-template-columns:1fr 1fr}}
@media (max-width:480px){.values{grid-template-columns:1fr}}

/* Forms */
.form{font-family:var(--sans);font-size:1rem;line-height:1.5}
.form fieldset{border:0;padding:0;margin:0 0 2.4rem}
.form legend{font-family:var(--display);font-size:1.15rem;color:var(--navy);letter-spacing:.04em;padding:0;margin-bottom:1.2rem;width:100%;border-bottom:1px solid var(--rule);padding-bottom:.6rem}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:1.2rem 1.4rem}
.form .row-3{grid-template-columns:1fr 1fr 1fr}
@media (max-width:640px){.form .row,.form .row-3{grid-template-columns:1fr}}
.form .field{display:flex;flex-direction:column;gap:.4rem;margin-bottom:1.1rem}
.form .full{grid-column:1/-1}
.form label,.form .label{font-size:.86rem;font-weight:600;color:#1f2b40;letter-spacing:.01em}
.form .opt{font-weight:400;color:var(--muted)}
.form .req{color:#8a3b1e}
.form input[type=text],.form input[type=email],.form input[type=tel],.form input[type=date],.form input[type=number],.form select,.form textarea{font:inherit;font-size:1rem;color:var(--ink);background:#fff;border:1px solid #b9b3a7;border-radius:var(--radius);padding:.8rem .9rem;width:100%;transition:border-color .2s,box-shadow .2s}
.form textarea{min-height:140px;resize:vertical}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--gold-ink);box-shadow:0 0 0 3px rgba(201,169,97,.3)}
.form .choices{display:flex;flex-wrap:wrap;gap:.5rem 1.4rem}
.form .choice{display:flex;align-items:center;gap:.5rem;font-weight:400;font-size:.95rem}
.form .choice input{width:1.1rem;height:1.1rem;accent-color:var(--navy)}
.form .consent{display:grid;grid-template-columns:auto 1fr;gap:.8rem;align-items:start;font-weight:400;font-size:.88rem;line-height:1.55;color:#2c3a52;background:var(--cream-2);padding:1rem 1.1rem;border-left:2px solid var(--gold);margin-bottom:1rem}
.form .consent input{width:1.15rem;height:1.15rem;margin-top:.15rem;accent-color:var(--navy)}
.form .hint{font-size:.82rem;color:var(--muted);font-weight:400}
.form .hidden{position:absolute!important;left:-10000px!important;width:1px;height:1px;overflow:hidden}
.form .privacy-note{font-size:.85rem;color:var(--muted);margin-top:1rem}
.form-shell{background:#fff;border:1px solid rgba(10,22,40,.1);padding:clamp(1.5rem,4vw,3.2rem);box-shadow:0 30px 60px -40px rgba(10,22,40,.4)}
.contact-card{background:var(--navy);color:#E4E0D6;padding:2.4rem;position:sticky;top:110px}
.contact-card h2{color:#F7F3EA;font-size:1.4rem}
.contact-card a{color:var(--gold);text-decoration:none}
.contact-card a:hover{text-decoration:underline}
.contact-card dl{margin:0;font-family:var(--sans);font-size:.95rem}
.contact-card dt{font-size:.7rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);margin-top:1.3rem}
.contact-card dd{margin:.25rem 0 0}
.contact-layout{display:grid;grid-template-columns:1.6fr .8fr;gap:3rem;align-items:start}
@media (max-width:960px){.contact-layout{grid-template-columns:1fr}.contact-card{position:static}}
[hidden]{display:none!important}

/* Footer */
.site-footer{background:var(--navy);color:#C9CCD3;font-family:var(--sans);font-size:.92rem;line-height:1.6}
.footer-top{display:grid;grid-template-columns:1.3fr 1fr 1fr 1.1fr;gap:2.5rem;padding:4.5rem 0 3rem}
@media (max-width:900px){.footer-top{grid-template-columns:1fr 1fr}}
@media (max-width:540px){.footer-top{grid-template-columns:1fr}}
.footer-brand img{width:210px;margin-bottom:1rem}
.footer-brand p{color:#AEB6C3;max-width:22rem}
.site-footer h2{font-family:var(--display);color:var(--gold);font-size:.8rem;letter-spacing:.22em;text-transform:uppercase;margin:0 0 1.1rem}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin:0 0 .55rem}
.site-footer a{color:#E2DED4;text-decoration:none}
.site-footer a:hover{color:var(--gold)}
.site-footer address{font-style:normal}
.footer-legal{border-top:1px solid rgba(201,169,97,.25);padding:2rem 0 2.6rem;font-size:.8rem;color:#A9B1BE;line-height:1.65}
.footer-legal p{margin:0 0 .8rem}
.footer-legal .bottom{display:flex;flex-wrap:wrap;justify-content:space-between;gap:1rem;margin-top:1.4rem;color:#A9B1BE}
.footer-legal .bottom a{color:#D7D2C6}

/* Motion */
.js .reveal{opacity:0;transform:translateY(14px);transition:opacity .9s var(--ease),transform .9s var(--ease)}
.js .reveal.in{opacity:1;transform:none}
.hero .fade{animation:fadeUp 1.1s var(--ease) both}
.hero .fade.d2{animation-delay:.15s}.hero .fade.d3{animation-delay:.3s}.hero .fade.d4{animation-delay:.45s}
@keyframes fadeUp{from{opacity:0;transform:translateY(12px)}to{opacity:1;transform:none}}

/* Article */
.article-meta{font-family:var(--sans);font-size:.85rem;color:var(--muted-dark);letter-spacing:.04em}
.post-list{display:grid;gap:1.6rem}
.error-page{min-height:60vh;display:flex;align-items:center}
.mt-2{margin-top:2.5rem}.mt-1{margin-top:1.5rem}
.btn-row.centered{justify-content:center}
.quote cite{display:block;margin-top:1.2rem;font-style:normal;font-family:var(--sans);font-size:.78rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-ink)}
.section-navy .quote cite{color:var(--gold)}
.steps.steps-3{grid-template-columns:repeat(3,1fr);margin-bottom:2.5rem}
@media (max-width:700px){.steps.steps-3{grid-template-columns:1fr}}
.hint{font-family:var(--sans);font-size:.85rem;color:var(--muted)}
.portrait{margin:0;position:relative;max-width:440px;justify-self:center;width:100%}
.portrait-lg{max-width:520px}
.portrait picture{display:block;position:relative;isolation:isolate}
.portrait picture::before{content:"";position:absolute;inset:18px -18px -18px 18px;border:1px solid var(--gold);z-index:-1}
.portrait img{position:relative;width:100%;height:auto;display:block}
.portrait img{box-shadow:0 30px 60px -30px rgba(10,22,40,.55)}
.portrait figcaption{position:relative;z-index:1;margin-top:2rem;font-family:var(--sans);font-size:.74rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-ink);text-align:center}
@media (max-width:860px){.portrait picture::before{inset:12px -10px -10px 12px}}
/* header refinements */
.site-header .wrap{max-width:1360px}
.nav a{white-space:nowrap}
@media (min-width:1201px){.nav ul{gap:1.35rem}}
@media (max-width:1200px) and (min-width:1101px){.nav ul{gap:1rem}.nav a{font-size:.7rem;letter-spacing:.1em}}
.hero-inner{padding-left:1.5rem;padding-right:1.5rem}
.form legend.label{font-family:var(--sans);font-size:.86rem;font-weight:600;color:#1f2b40;letter-spacing:.01em;border:0;padding:0;margin-bottom:.5rem}
.form fieldset.field{margin-bottom:1.1rem}
.page-hero{isolation:isolate}
.page-hero::before{content:"";position:absolute;right:max(2rem,calc((100vw - var(--wrap))/2));top:50%;width:300px;height:318px;transform:translateY(-50%);background:url(/assets/img/emblem-480.webp) center/contain no-repeat;opacity:.1;z-index:-1;pointer-events:none}
@media (max-width:860px){.page-hero::before{width:180px;height:190px;right:-30px;opacity:.07}}
.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.footer-legal a{text-decoration:underline;text-underline-offset:.2em}
.h-sub{font-size:1.4rem;margin:3.5rem 0 1.5rem}

/* ===== Readability pass (Nov 2026): larger type, AAA-leaning contrast, 44px tap targets ===== */
body{font-size:1.3125rem;font-weight:500;line-height:1.7}            /* 21px desktop */
strong,b{font-weight:700}
p{margin-bottom:1.2em}
.lead{font-size:1.45rem;line-height:1.6;color:#1c2940}
.card p,.pillar p,.values p,.steps p,.faq .answer{font-size:1.15rem;line-height:1.6}
.card p{color:#1f2c44}
/* small sans UI text: never below 15px desktop / 16px mobile, calmer tracking */
.eyebrow{font-size:.875rem;letter-spacing:.12em;font-weight:700}
.btn{font-size:.9375rem;letter-spacing:.08em;min-height:48px;padding:.9rem 1.6rem}
.nav a{font-size:.8125rem;letter-spacing:.08em}
.nav .btn{font-size:.8125rem;min-height:44px}
.tag{font-size:.8125rem;letter-spacing:.1em;color:var(--gold-ink);border-color:var(--gold-ink);font-weight:600}
.card.feature .tag,.section-navy .tag{color:var(--gold-text);border-color:var(--gold)}
.card .more{font-size:.875rem;letter-spacing:.1em}
.card.feature .more,.card.feature h3 a{color:var(--gold-text)}
.crumbs{font-size:.9375rem}
.quote cite,.portrait figcaption{font-size:.9375rem;letter-spacing:.1em}
.section-navy .quote cite{color:var(--gold-text)}
.tagline-band{font-size:clamp(1rem,1.8vw,1.15rem);letter-spacing:.16em}
.pillar h3,.values h3{font-size:1.1rem;letter-spacing:.1em}
.pillar h3{color:var(--gold-text)}
.hero .eyebrow,.page-hero .eyebrow,.section-navy .eyebrow{color:var(--gold-text)}
.hero h1 .gold{color:var(--gold-text)}
.section-navy .btn-gold,.section-navy a.btn-gold{color:var(--navy)}
.section-navy .btn-gold:hover{color:var(--navy)}
.article-meta,.note,.hint,.privacy-note{font-size:1rem;line-height:1.6}
.prose th{font-size:.9375rem;letter-spacing:.06em}
.prose table{font-size:1.15rem}
/* forms */
.form{font-size:1.0625rem}
.form label,.form .label,.form legend.label{font-size:1rem}
.form .choice{font-size:1rem;min-height:44px}
.form .choice input{width:1.35rem;height:1.35rem}
.form .consent{font-size:1rem;line-height:1.6}
.form .consent input{width:1.35rem;height:1.35rem}
.form input[type=text],.form input[type=email],.form input[type=tel],.form input[type=date],.form input[type=number],.form select,.form textarea{font-size:1.0625rem;min-height:48px}
.form .hint{font-size:.9375rem}
.contact-card dl{font-size:1.0625rem}
.contact-card dt{font-size:.875rem;letter-spacing:.12em;color:var(--gold-text)}
/* footer */
.site-footer{font-size:1rem}
.site-footer h2{font-size:.9375rem;letter-spacing:.14em;color:var(--gold-text)}
.site-footer li{margin:0}
.site-footer li a{display:inline-flex;align-items:center;min-height:44px}
.footer-brand p{color:#C3CAD5}
.footer-legal{font-size:.9375rem;color:#BCC3CE;line-height:1.7}
.footer-legal .bottom{color:#BCC3CE}
.footer-legal .bottom a{display:inline-flex;align-items:center;min-height:44px}
.site-footer address a{display:inline-flex;align-items:center;min-height:44px}
.nav-toggle{min-height:44px;min-width:64px;font-size:.875rem;letter-spacing:.1em}
.skip{min-height:44px;font-size:1rem}
@media (max-width:860px){
  body{font-size:1.25rem;line-height:1.7}                              /* 20px mobile, weight 500 */
  .lead{font-size:1.3rem}
  .hero p.sub{font-size:1.3rem;line-height:1.6}
  .card p,.pillar p,.values p,.steps p,.faq .answer{font-size:1.2rem}
  .eyebrow,.tag,.card .more,.crumbs,.quote cite,.portrait figcaption,.article-meta,.note,.hint,.privacy-note,.prose th,.form .hint,.contact-card dt,.site-footer h2,.footer-legal,.footer-legal .bottom{font-size:1rem}
  .eyebrow{letter-spacing:.08em}
  .eyebrow::before{width:1.4rem}
  .btn{font-size:1rem;letter-spacing:.06em;width:100%;max-width:26rem}
  .nav a{font-size:1rem;letter-spacing:.06em;min-height:48px;display:flex;align-items:center}
  .sub a{font-size:1.0625rem}
  .tagline-band{font-size:1rem;letter-spacing:.1em}
  .form input[type=text],.form input[type=email],.form input[type=tel],.form input[type=date],.form input[type=number],.form select,.form textarea{font-size:1.0625rem}
  .brand-name{font-size:1.25rem}
  .brand-sub{font-size:.875rem;letter-spacing:.4em}
  .faq summary{font-size:1.15rem}
  .wrap{padding:0 1.25rem}
  .hero-inner{padding-left:1.25rem;padding-right:1.25rem}
}
.form .privacy-note{font-size:1rem}
.nav-toggle{font-size:1rem}
@media (max-width:860px){.brand-sub{font-size:.9375rem;letter-spacing:.36em}}
.hero-tagline{font-family:var(--serif);font-style:italic;font-size:clamp(1.4rem,2.6vw,1.9rem);line-height:1.3;color:#EDE7DA;margin:-.4rem 0 1.4rem}
.page-hero .hero-tagline{margin-top:-.2rem}
.form .program-block{background:var(--cream);border-left:2px solid var(--gold);padding:1.4rem 1.2rem .4rem;margin-bottom:2.4rem}
.form .program-block legend{border:0;padding:0;margin-bottom:1rem;float:left;width:100%}
.form .program-block legend + *{clear:both}
.form .refi-block .label{font-family:var(--sans);font-weight:600;font-size:1rem;margin:.4rem 0 .8rem}
.hero h1{font-size:clamp(2.5rem,4.6vw,3.55rem)}
@media (max-width:860px){.eyebrow::before,.center .eyebrow::after{display:none}.form-shell{padding:1.25rem}.form .program-block{padding:1.1rem .9rem .2rem}}
@media (min-width:861px){.hero-inner{grid-template-columns:1.65fr .6fr}.hero-emblem{width:min(100%,300px)}}
/* tap-target pass: whole-card links, standalone links, breadcrumbs */
.card{position:relative}
.card h3 a::after{content:"";position:absolute;inset:0;z-index:1}
.card h3 a:focus-visible{outline:none}.card:focus-within{outline:3px solid var(--gold);outline-offset:3px}
@media (max-width:860px){
 main p > a:only-child,.crumbs a{display:inline-flex;align-items:center;min-height:44px}
 .crumbs ol{row-gap:0}
}
/* footer scripture line */
.footer-verse{margin:0;padding:2.4rem 1rem 2.2rem;border-top:1px solid rgba(201,169,97,.25);text-align:center}
.footer-verse blockquote{margin:0 auto;max-width:40rem}
.footer-verse p{margin:0;font-family:var(--serif,"Cormorant Garamond",Georgia,serif);font-style:italic;font-weight:500;font-size:1.5rem;line-height:1.6;color:#D4B673;letter-spacing:0}
.footer-verse figcaption{margin-top:.6rem;font-family:var(--serif,"Cormorant Garamond",Georgia,serif);font-size:1.15rem;font-weight:600;line-height:1.6;color:#E2DED4;letter-spacing:.02em}
.footer-verse figcaption::before{content:"\2014\00a0"}
@media (max-width:860px){.footer-verse{padding:2rem .5rem 1.8rem}.footer-verse p{font-size:1.3rem;line-height:1.65}.footer-verse figcaption{font-size:1.1rem}}
.nw{white-space:nowrap}

/* Lead magnet: Investor's Funding Checklist */
.lm-band{background:var(--navy);color:#E4E0D6;border-top:1px solid var(--gold);border-bottom:1px solid var(--gold);padding:3.2rem 0}
.lm-band-inner{display:grid;grid-template-columns:150px 1fr auto;gap:2.4rem;align-items:center}
.lm-band-img img{width:150px;height:auto;box-shadow:0 18px 36px -18px rgba(0,0,0,.7);border:1px solid rgba(201,169,97,.5)}
.lm-band .eyebrow{color:var(--gold-text);margin-bottom:.6rem}
.lm-band h2{color:#F7F3EA;font-size:clamp(1.5rem,2.6vw,2.1rem);margin-bottom:.4em}
.lm-band p{color:#E4E0D6;margin:0;max-width:44rem}
.lm-band .btn{white-space:nowrap}
@media (max-width:860px){.lm-band-inner{grid-template-columns:1fr;gap:1.4rem;text-align:left}.lm-band-img img{width:120px}.lm-band .btn{justify-self:start;white-space:normal}}
.lm-layout{display:grid;grid-template-columns:1.1fr .9fr;gap:3.5rem;align-items:start}
.lm-layout .h-sub{margin-top:0}
.lm-cover{margin:0 0 2.2rem}
.lm-cover img{width:280px;max-width:70vw;height:auto;box-shadow:0 30px 60px -30px rgba(10,22,40,.6);border:1px solid var(--rule)}
.lm-cover-sm img{margin:0 auto;width:240px}
.form-shell .h-sub{margin:0 0 1.4rem}
.form-shell .form .btn{width:100%;margin:.4rem 0 1rem}
@media (max-width:960px){.lm-layout{grid-template-columns:1fr;gap:2.5rem}}