/* ============================================================
   LIQUID ASSET PARTNERS — Layout, Nav, Footer, Components
   ============================================================ */

/* ---------- Announcement / compliance strip ---------- */
.topbar {
  background: var(--burgundy-deep);
  color: var(--gilt-soft);
  font-family: var(--mono);
  font-size: 0.68rem;
  letter-spacing: 0.08em;
  text-align: center;
  padding: 8px var(--gutter);
}
.topbar a { color: var(--cream); border-bottom: 1px solid rgba(201,172,126,.4); }

/* ---------- Header ----------
   Sits transparent over the hero at the top of the page; the negative
   margin lets the hero run full-bleed underneath it. Once the page is
   scrolled, .scrolled brings in the solid black + gold bar. */
.site-header {
  position: sticky; top: 0; z-index: 1000;
  margin-bottom: -79px;
  background: transparent;
  border-bottom: 1px solid transparent;
  transition: background .35s var(--ease), border-color .35s var(--ease), box-shadow .35s var(--ease);
}
.site-header.scrolled {
  background: rgba(18,16,15,.92);
  backdrop-filter: saturate(140%) blur(14px);
  -webkit-backdrop-filter: saturate(140%) blur(14px);
  border-bottom-color: rgba(176,141,87,.38);
  box-shadow: var(--shadow-sm);
}
.nav {
  display: flex; align-items: center; justify-content: space-between;
  height: 78px; gap: 24px;
}

/* Brand mark */
.brand { display: flex; align-items: center; gap: 13px; flex-shrink: 0; }
.brand__logo { display: block; height: 46px; width: auto; }
/* Cream artwork forced to pure white against the dark header */
.site-header .brand__logo { height: 46px; filter: brightness(0) invert(1); }
.brand--footer .brand__logo { height: 52px; }
@media (max-width: 600px) { .brand__logo { height: 38px; } }
.brand__mark {
  width: 40px; height: 40px; flex-shrink: 0;
}
.brand__text { display: flex; flex-direction: column; line-height: 1; }
.brand__name {
  font-family: var(--serif); font-size: 1.28rem; font-weight: 600;
  color: var(--charcoal); letter-spacing: 0.005em;
}
.brand__tag {
  font-family: var(--mono); font-size: 0.56rem; letter-spacing: 0.24em;
  text-transform: uppercase; color: var(--gilt); margin-top: 4px;
}

/* Desktop nav */
.nav__menu { display: flex; align-items: center; gap: 4px; }
.nav__item { position: relative; }
.nav__link {
  display: inline-flex; align-items: center; gap: 5px;
  font-size: 0.86rem; font-weight: 450; color: rgba(247,243,234,.88);
  padding: 10px 14px; border-radius: 2px;
  transition: color .25s;
}
.nav__link:hover, .nav__item:hover .nav__link, .nav__item.open .nav__link { color: var(--gilt-soft); }
.nav__link .caret { width: 9px; height: 9px; opacity: .5; transition: transform .3s; }
.nav__item:hover .caret, .nav__item.open .caret { transform: rotate(180deg); }

/* Mega dropdown */
.mega {
  position: absolute; top: 100%; left: 50%; transform: translateX(-50%) translateY(8px);
  min-width: 560px; background: var(--white);
  border: 1px solid var(--line-soft); border-radius: 4px;
  box-shadow: var(--shadow-lg);
  padding: 30px 26px 26px;   /* touches the button (no dead gap); extra top padding gives visual breathing room */
  opacity: 0; visibility: hidden; pointer-events: none;
  transition: opacity .28s var(--ease), transform .28s var(--ease), visibility .28s;
}
/* Invisible bridge attached to the BUTTON (always hit-testable), covering the gap
   down to the dropdown so the cursor can travel down — and diagonally to a
   sub-item — without the menu snapping shut. */
.nav__item::after { content: ""; position: absolute; top: 100%; left: -10px; right: -10px; height: 18px; }
/* Open state — driven by hover AND by the JS hover-intent .open class, which keeps
   the menu fully interactive for a grace period after the cursor leaves. */
.nav__item:hover .mega, .nav__item.open .mega { opacity: 1; visibility: visible; pointer-events: auto; transform: translateX(-50%) translateY(0); }
.nav__item:hover .mega--right, .nav__item.open .mega--right { transform: translateX(0) translateY(0); }
.mega--right { left: auto; right: 0; transform: translateX(0) translateY(8px); }
.nav__item:hover .mega--right { transform: translateX(0) translateY(0); }
.mega__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 6px 30px; }
.mega__col-title {
  font-family: var(--mono); font-size: 0.64rem; letter-spacing: 0.16em;
  text-transform: uppercase; color: var(--gilt); padding: 6px 10px 10px;
  grid-column: 1 / -1;
}
.mega__link { display: block; padding: 9px 10px; border-radius: 2px; transition: background .2s; }
.mega__link:hover { background: var(--cream); }
.mega__link .t { display: block; font-size: 0.9rem; color: var(--charcoal); font-weight: 500; }
.mega__link .d { display: block; font-size: 0.76rem; color: var(--grey); margin-top: 2px; }
.mega__feature {
  grid-column: 1 / -1; margin-top: 14px; padding-top: 18px;
  border-top: 1px solid var(--line-soft);
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
}
.mega__feature .fx { font-size: 0.82rem; color: var(--slate); }

/* Header actions */
.nav__actions { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
.portal-btn {
  display: inline-flex; align-items: center; gap: 7px;
  font-family: var(--mono); font-size: 0.72rem; letter-spacing: 0.08em;
  text-transform: uppercase; color: var(--gilt-soft);
  border: 1px solid rgba(176,141,87,.5); padding: 10px 16px; border-radius: 2px;
  transition: all .3s var(--ease);
}
.portal-btn svg { width: 13px; height: 13px; }
.portal-btn:hover { background: var(--gilt); border-color: var(--gilt); color: var(--charcoal); }

/* Mobile toggle */
.nav__toggle {
  display: none; width: 44px; height: 44px; background: transparent;
  border: 1px solid rgba(247,243,234,.32); border-radius: 2px; position: relative;
}
.nav__toggle span, .nav__toggle span::before, .nav__toggle span::after {
  content: ""; position: absolute; left: 50%; top: 50%; width: 20px; height: 1.5px;
  background: var(--cream); transform: translate(-50%,-50%); transition: .3s var(--ease);
}
.nav__toggle span::before { top: -6px; }
.nav__toggle span::after { top: 6px; }
body.menu-open .nav__toggle span { background: transparent; }
body.menu-open .nav__toggle span::before { top: 0; transform: translate(-50%,-50%) rotate(45deg); }
body.menu-open .nav__toggle span::after { top: 0; transform: translate(-50%,-50%) rotate(-45deg); }

/* Mobile drawer */
.mobile-nav {
  position: fixed; inset: 0 0 0 auto; width: min(420px, 100%);
  background: var(--paper); z-index: 1500; padding: 90px 28px 40px;
  transform: translateX(100%); transition: transform .4s var(--ease);
  overflow-y: auto; box-shadow: var(--shadow-lg);
}
body.menu-open .mobile-nav { transform: translateX(0); }
.mobile-nav__overlay {
  position: fixed; inset: 0; background: rgba(28,26,24,.5); z-index: 1400;
  opacity: 0; visibility: hidden; transition: .3s;
}
body.menu-open .mobile-nav__overlay { opacity: 1; visibility: visible; }
.m-group { border-bottom: 1px solid var(--line-soft); }
.m-group__head {
  width: 100%; display: flex; justify-content: space-between; align-items: center;
  background: transparent; border: 0; padding: 16px 0; font-family: var(--serif);
  font-size: 1.2rem; color: var(--charcoal); text-align: left;
}
.m-group__head svg { width: 16px; height: 16px; transition: transform .3s; color: var(--burgundy); }
.m-group.open .m-group__head svg { transform: rotate(45deg); }
.m-group__body { max-height: 0; overflow: hidden; transition: max-height .4s var(--ease); }
.m-group.open .m-group__body { max-height: 600px; }
.m-group__body a { display: block; padding: 11px 0 11px 14px; font-size: 0.95rem; color: var(--slate); border-left: 1px solid var(--line); }
.m-group__body a:hover { color: var(--burgundy); border-color: var(--burgundy); }
.mobile-nav .btn { margin-top: 24px; }

@media (max-width: 1080px) {
  .nav__menu, .nav__actions .portal-btn { display: none; }
  .nav__toggle { display: block; }
}

/* ---------- Hero ---------- */
.hero {
  position: relative; min-height: clamp(560px, 88vh, 820px);
  display: flex; align-items: flex-end;
  background: var(--charcoal); overflow: hidden;
}
.hero__media { position: absolute; inset: 0; z-index: 0; }
.hero__media .ph { width: 100%; height: 100%; aspect-ratio: auto; border-radius: 0; }
.hero__video { width: 100%; height: 100%; object-fit: cover; display: block; }
.hero__media::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(28,26,24,.45) 0%, rgba(28,26,24,.35) 40%, rgba(28,26,24,.9) 100%);
}
.hero__inner { position: relative; z-index: 2; padding-block: clamp(48px, 8vw, 96px); width: 100%; }
.hero__eyebrow { margin-bottom: 24px; }
.hero h1 {
  color: var(--cream); max-width: 16ch;
  font-size: clamp(2.5rem, 5.6vw, 4.6rem); line-height: 1.02;
}
.hero__sub { color: rgba(247,243,234,.82); max-width: 54ch; margin-top: 26px; font-size: clamp(1.05rem, 1.5vw, 1.25rem); }
.hero__cta { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 38px; align-items: center; }
.hero__login { margin-left: auto; }

/* Star meter — a dim base row with a gold row clipped over it,
   so --rating: 90% renders 4.5 of 5 stars with a true half. */
.starmeter { position: relative; display: inline-block; line-height: 0; }
.starmeter__base, .starmeter__fill { display: inline-flex; gap: 3px; }
.starmeter__base { color: rgba(247,243,234,.22); }
.starmeter__fill {
  position: absolute; left: 0; top: 0;
  width: var(--rating, 100%); overflow: hidden;
  color: var(--gilt);
}
.starmeter svg { width: clamp(19px, 1.5vw, 23px); height: clamp(19px, 1.5vw, 23px); flex-shrink: 0; }
@media (max-width: 700px) { .hero__login { margin-left: 0; width: 100%; } }

/* ---------- Authority bar ---------- */
.authbar { background: var(--charcoal); color: var(--cream); }
.authbar__grid {
  display: grid; grid-template-columns: repeat(4, 1fr);
  border-top: 1px solid rgba(201,172,126,.16);
}
.authbar__cell {
  padding: clamp(28px, 4vw, 46px) clamp(16px, 2vw, 32px);
  border-right: 1px solid rgba(201,172,126,.16);
  text-align: center;
}
.authbar__cell:last-child { border-right: 0; }
.authbar__num {
  font-family: var(--serif); font-size: clamp(2rem, 3.4vw, 2.9rem);
  color: var(--gilt-soft); line-height: 1; font-weight: 500;
}
.authbar__label {
  font-family: var(--mono); font-size: 0.68rem; letter-spacing: 0.12em;
  text-transform: uppercase; color: rgba(247,243,234,.66); margin-top: 12px;
}
/* Rating cell: score and stars share the number line. The count-up animation
   rewrites .authbar__num, so only the digits live inside it — the "/5" and the
   stars are siblings and survive the rewrite. */
.authbar__rating { display: flex; align-items: center; justify-content: center; gap: 12px; flex-wrap: wrap; }
.authbar__score {
  font-family: var(--serif); font-size: clamp(2rem, 3.4vw, 2.9rem);
  color: var(--gilt-soft); line-height: 1; font-weight: 500;
}
.authbar__outof { font-size: 0.48em; color: rgba(247,243,234,.5); margin-left: 1px; }
/* Rating cell links out to the Trustpilot profile */
.authbar__link { display: block; color: inherit; transition: color .25s var(--ease); }
.authbar__link:hover .authbar__label,
.authbar__link:focus-visible .authbar__label { color: var(--gilt-soft); }
.authbar__link:hover .starmeter__base { color: rgba(247,243,234,.32); }
.authbar__link:focus-visible { outline: 2px solid var(--gilt-soft); outline-offset: 6px; border-radius: 2px; }
.authbar__note {
  text-align: center; padding: 14px; font-family: var(--mono);
  font-size: 0.64rem; letter-spacing: 0.06em; color: rgba(201,172,126,.55);
  border-top: 1px solid rgba(201,172,126,.12);
}
@media (max-width: 1024px) {
  .authbar__grid { grid-template-columns: repeat(2, 1fr); }
  .authbar__cell:nth-child(2) { border-right: 0; }
  .authbar__cell:nth-child(1), .authbar__cell:nth-child(2) { border-bottom: 1px solid rgba(201,172,126,.16); }
}

/* ---------- Split feature (image + text) ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 5vw, 72px); align-items: center; }
.split--reverse .split__media { order: 2; }
@media (max-width: 900px) {
  .split { grid-template-columns: 1fr; }
  .split--reverse .split__media { order: 0; }
}
.split__body .eyebrow { margin-bottom: 20px; }
.split__list { margin-top: 28px; display: grid; gap: 2px; }
.split__list li {
  display: grid; grid-template-columns: auto 1fr; gap: 16px; align-items: baseline;
  padding: 13px 0; border-bottom: 1px solid var(--line-soft);
}
.split__list .k { font-family: var(--mono); font-size: 0.72rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--burgundy); }
.split__list .v { color: var(--slate); font-size: 0.95rem; }

/* ---------- Process (numbered stepper) ---------- */
.process { counter-reset: step; }
.process__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: var(--line); border: 1px solid var(--line); border-radius: 3px; overflow: hidden; }
@media (max-width: 860px) { .process__grid { grid-template-columns: 1fr; } }
.process__step {
  background: var(--paper); padding: clamp(28px, 3vw, 40px); position: relative;
  transition: background .3s;
}
.process__step:hover { background: var(--white); }
.process__step .n {
  font-family: var(--mono); font-size: 0.78rem; color: var(--gilt); letter-spacing: 0.1em;
  display: block; margin-bottom: 18px;
}
.process__step h3 { font-size: 1.3rem; margin-bottom: 10px; }
.process__step p { color: var(--slate); font-size: 0.94rem; }
.process__step .deliver {
  margin-top: 16px; padding-top: 16px; border-top: 1px dotted var(--line);
  font-size: 0.82rem; color: var(--grey);
}
.process__step .deliver b { color: var(--burgundy); font-weight: 500; font-family: var(--mono); font-size: 0.68rem; letter-spacing: 0.08em; text-transform: uppercase; display: block; margin-bottom: 4px; }

/* ---------- Opportunity cards ---------- */
.opps { display: grid; grid-template-columns: repeat(3, 1fr); gap: clamp(20px, 2.5vw, 32px); }
@media (max-width: 980px) { .opps { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .opps { grid-template-columns: 1fr; } }
.opp {
  background: var(--white); border: 1px solid var(--line-soft); border-radius: 4px;
  overflow: hidden; display: flex; flex-direction: column;
  transition: transform .4s var(--ease), box-shadow .4s var(--ease);
}
.opp:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.opp__media { position: relative; }
.opp__media .ph { border-radius: 0; aspect-ratio: 16/10; }
.opp__status { position: absolute; top: 14px; left: 14px; }
.opp__body { padding: 24px; display: flex; flex-direction: column; flex: 1; }
.opp__region { font-family: var(--mono); font-size: 0.66rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--gilt); }
.opp__body h3 { font-size: 1.3rem; margin: 8px 0 14px; }
.opp__specs { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; background: var(--line-soft); border: 1px solid var(--line-soft); border-radius: 2px; margin-bottom: 18px; }
.opp__spec { background: var(--white); padding: 10px 12px; }
.opp__spec .k { font-family: var(--mono); font-size: 0.6rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--grey); display: block; }
.opp__spec .v { font-size: 0.88rem; color: var(--ink); font-weight: 500; margin-top: 2px; }
.opp__desc { color: var(--slate); font-size: 0.9rem; flex: 1; }
.opp__foot { margin-top: 18px; padding-top: 16px; border-top: 1px solid var(--line-soft); display: flex; justify-content: space-between; align-items: center; }
.opp__price { font-family: var(--mono); font-size: 0.74rem; letter-spacing: 0.06em; color: var(--slate); text-transform: uppercase; }

/* ---------- Filter bar ---------- */
.filters {
  display: flex; flex-wrap: wrap; gap: 10px; align-items: center;
  padding: 20px 0; border-block: 1px solid var(--line-soft); margin-bottom: 40px;
}
.filters__label { font-family: var(--mono); font-size: 0.66rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--grey); margin-right: 6px; }
.chip {
  font-family: var(--mono); font-size: 0.72rem; letter-spacing: 0.04em;
  padding: 8px 15px; border: 1px solid var(--line); border-radius: 2px;
  background: var(--white); color: var(--slate); transition: all .25s; cursor: pointer;
}
.chip:hover { border-color: var(--slate); color: var(--charcoal); }
.chip.active { background: var(--burgundy); color: var(--cream); border-color: var(--burgundy); }
.filters select {
  font-family: var(--mono); font-size: 0.72rem; padding: 8px 14px;
  border: 1px solid var(--line); border-radius: 2px; background: var(--white);
  color: var(--slate); cursor: pointer;
}

/* ---------- Case study ---------- */
.casecard {
  background: var(--white); border: 1px solid var(--line-soft); border-radius: 4px;
  overflow: hidden; display: grid; grid-template-columns: 240px 1fr;
  transition: box-shadow .4s var(--ease);
}
.casecard:hover { box-shadow: var(--shadow-lg); }
@media (max-width: 720px) { .casecard { grid-template-columns: 1fr; } }
.casecard__media .ph { border-radius: 0; height: 100%; min-height: 220px; aspect-ratio: auto; }
.casecard__body { padding: clamp(24px, 3vw, 36px); }
.casecard__label { display: flex; gap: 8px; margin-bottom: 14px; flex-wrap: wrap; }
.casecard__body h3 { margin-bottom: 12px; }
.casecard dl { margin-top: 18px; display: grid; gap: 10px; }
.casecard dl > div { display: grid; grid-template-columns: 150px 1fr; gap: 14px; padding-bottom: 10px; border-bottom: 1px dotted var(--line); }
.casecard dt { font-family: var(--mono); font-size: 0.68rem; letter-spacing: 0.06em; text-transform: uppercase; color: var(--burgundy); }
.casecard dd { color: var(--slate); font-size: 0.92rem; }
@media (max-width: 520px) { .casecard dl > div { grid-template-columns: 1fr; gap: 3px; } }

/* ---------- Team ---------- */
.team { display: grid; grid-template-columns: repeat(2, 1fr); gap: clamp(28px, 4vw, 56px); }
.team--3 { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 980px) { .team--3 { grid-template-columns: 1fr 1fr; } }
@media (max-width: 760px) { .team, .team--3 { grid-template-columns: 1fr; } }
.member { }
.member__media { position: relative; margin-bottom: 24px; }
.member__media .ph { aspect-ratio: 5/6; border-radius: 3px; }
.member__badge {
  position: absolute; bottom: 16px; left: 16px;
  background: var(--charcoal); color: var(--gilt-soft);
  font-family: var(--mono); font-size: 0.64rem; letter-spacing: 0.1em;
  text-transform: uppercase; padding: 7px 13px; border-radius: 2px;
}
.member h3 { font-size: 1.6rem; }
.member__role { font-family: var(--mono); font-size: 0.72rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--burgundy); margin: 6px 0 16px; }
.member p { color: var(--slate); font-size: 0.96rem; }
.member__link { margin-top: 16px; }

/* ---------- Testimonials ---------- */
.testi {
  background: var(--white); border: 1px solid var(--line-soft); border-radius: 4px;
  padding: clamp(28px, 3vw, 40px); display: flex; flex-direction: column;
}
.testi__stars { display: flex; gap: 3px; color: var(--gilt); margin-bottom: 16px; }
.testi__stars .stars { display: inline-flex; gap: 3px; }
.testi__stars svg { width: 18px; height: 18px; }
.testi__title { font-family: var(--serif); font-size: 1.15rem; font-weight: 600; color: var(--burgundy); margin-bottom: 12px; }
.testi__quote { font-family: var(--sans); font-size: 0.98rem; line-height: 1.6; color: var(--ink); flex: 1; }
.testi__quote::before { content: "“"; color: var(--gilt); font-size: 2em; line-height: 0; vertical-align: -0.35em; margin-right: 0.06em; font-family: var(--serif); }
.testi__foot { margin-top: 24px; padding-top: 20px; border-top: 1px solid var(--line-soft); }
.testi__who { font-weight: 600; color: var(--charcoal); font-family: var(--sans); font-size: 0.95rem; }
.testi__meta { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 8px; }
.testi__meta .m { font-family: var(--mono); font-size: 0.66rem; letter-spacing: 0.06em; text-transform: uppercase; color: var(--grey); }
.testi__verified { color: var(--available); display: inline-flex; align-items: center; gap: 4px; }

/* ---------- Article / insight cards ---------- */
.articles { display: grid; grid-template-columns: repeat(3, 1fr); gap: clamp(24px, 3vw, 36px); }
@media (max-width: 900px) { .articles { grid-template-columns: 1fr; } }
.article {
  display: flex; flex-direction: column; background: var(--white);
  border: 1px solid var(--line-soft); border-radius: 4px; overflow: hidden;
  transition: transform .4s var(--ease), box-shadow .4s var(--ease);
}
.article:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.article__media .ph { border-radius: 0; aspect-ratio: 16/9; }
.article__cat { position: absolute; }
.article__body { padding: 26px; display: flex; flex-direction: column; flex: 1; }
.article__tag { font-family: var(--mono); font-size: 0.64rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--gilt); }
.article__body h3 { font-size: 1.3rem; margin: 10px 0 12px; line-height: 1.2; }
.article__excerpt { color: var(--slate); font-size: 0.92rem; flex: 1; }
.article__meta { margin-top: 20px; padding-top: 16px; border-top: 1px solid var(--line-soft); display: flex; gap: 14px; font-family: var(--mono); font-size: 0.68rem; letter-spacing: 0.04em; color: var(--grey); text-transform: uppercase; }

/* ---------- Trust / security band ---------- */
.trust-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1px; background: rgba(201,172,126,.16); border: 1px solid rgba(201,172,126,.16); border-radius: 4px; overflow: hidden; }
@media (max-width: 760px) { .trust-grid { grid-template-columns: 1fr; } }
.trust-cell { background: var(--charcoal-soft); padding: clamp(26px, 3vw, 38px); }
.trust-cell__icon { color: var(--gilt-soft); margin-bottom: 18px; }
.trust-cell__icon svg { width: 26px; height: 26px; }
.trust-cell h3 { color: var(--cream); font-size: 1.25rem; margin-bottom: 10px; }
.trust-cell p { color: rgba(247,243,234,.68); font-size: 0.92rem; }

/* ---------- Client portal phone ----------
   Handset and screen are drawn entirely in CSS — no image asset. Type inside
   scales from --phone-w so the mock stays proportional at any width. */
.phone {
  --phone-w: clamp(236px, 25vw, 296px);
  width: var(--phone-w); aspect-ratio: 9 / 18.6;
  margin-inline: auto; position: relative;
  background: #14120F; border-radius: calc(var(--phone-w) * 0.145);
  padding: calc(var(--phone-w) * 0.033);
  box-shadow: 0 34px 70px -22px rgba(28,26,24,.5), 0 0 0 1px rgba(28,26,24,.14);
}
.phone::before {                       /* speaker notch */
  content: ""; position: absolute; z-index: 3; top: calc(var(--phone-w) * 0.055);
  left: 50%; transform: translateX(-50%);
  width: 32%; height: calc(var(--phone-w) * 0.062);
  background: #14120F; border-radius: 99px;
}
.phone__screen {
  height: 100%; overflow: hidden; display: flex; flex-direction: column;
  border-radius: calc(var(--phone-w) * 0.115); background: var(--paper);
}
.phone__topbar {
  background: var(--charcoal); text-align: center;
  padding: calc(var(--phone-w) * 0.105) 10px calc(var(--phone-w) * 0.038);
}
.phone__brand {
  font-family: var(--serif); color: var(--cream);
  font-size: calc(var(--phone-w) * 0.052); letter-spacing: 0.04em;
}
.phone__body { flex: 1; padding: calc(var(--phone-w) * 0.055); overflow: hidden; }
.phone__eyebrow {
  font-family: var(--mono); text-transform: uppercase; color: var(--burgundy);
  font-size: calc(var(--phone-w) * 0.032); letter-spacing: 0.16em;
}
.phone__welcome {
  font-family: var(--serif); color: var(--charcoal); line-height: 1.15;
  font-size: calc(var(--phone-w) * 0.078); margin-top: calc(var(--phone-w) * 0.028);
}
.phone__stats { display: grid; grid-template-columns: 1fr 1fr; gap: calc(var(--phone-w) * 0.028); margin-top: calc(var(--phone-w) * 0.05); }
.phone__stat {
  background: var(--white); border: 1px solid var(--line-soft); border-radius: 3px;
  padding: calc(var(--phone-w) * 0.038);
}
.phone__stat .k {
  display: block; font-family: var(--mono); text-transform: uppercase;
  font-size: calc(var(--phone-w) * 0.029); letter-spacing: 0.1em; color: var(--slate);
}
.phone__stat .v {
  display: block; font-family: var(--serif); color: var(--charcoal);
  font-size: calc(var(--phone-w) * 0.072); line-height: 1; margin-top: calc(var(--phone-w) * 0.022);
}
.phone__listhead {
  font-family: var(--serif); color: var(--charcoal);
  font-size: calc(var(--phone-w) * 0.058); margin-top: calc(var(--phone-w) * 0.058);
}
.phone__list { margin-top: calc(var(--phone-w) * 0.028); }
.phone__list li {
  display: grid; grid-template-columns: 1fr auto; align-items: center;
  gap: 2px calc(var(--phone-w) * 0.03);
  padding: calc(var(--phone-w) * 0.038) 0;
  border-bottom: 1px solid var(--line-soft);
}
.phone__list li:last-child { border-bottom: 0; }
.phone__list .n {
  font-family: var(--serif); color: var(--charcoal);
  font-size: calc(var(--phone-w) * 0.05);
}
.phone__list .m {
  grid-column: 1; font-family: var(--mono); color: var(--slate);
  font-size: calc(var(--phone-w) * 0.032); letter-spacing: 0.04em;
}
.phone__list .s {
  grid-column: 2; grid-row: 1 / span 2; align-self: center;
  font-family: var(--mono); text-transform: uppercase; letter-spacing: 0.08em;
  font-size: calc(var(--phone-w) * 0.028); color: var(--available);
  border: 1px solid currentColor; border-radius: 2px;
  padding: calc(var(--phone-w) * 0.016) calc(var(--phone-w) * 0.028);
}
.phone__list .s--pending { color: var(--gilt); }
.phone__tabs {
  display: grid; grid-template-columns: 1fr 1fr;
  background: var(--white); border-top: 1px solid var(--line-soft);
}
.phone__tabs span {
  text-align: center; font-family: var(--mono); text-transform: uppercase;
  font-size: calc(var(--phone-w) * 0.03); letter-spacing: 0.1em; color: var(--slate);
  padding: calc(var(--phone-w) * 0.045) 0 calc(var(--phone-w) * 0.062);
}
.phone__tabs .is-on { color: var(--burgundy); box-shadow: inset 0 2px 0 var(--burgundy); }
.phone__caption {
  text-align: center; margin-top: 20px;
  font-family: var(--mono); font-size: 0.62rem; letter-spacing: 0.06em; color: var(--slate);
}

/* ---------- Callout / CTA band ---------- */
.cta-band { background: var(--burgundy); color: var(--cream); position: relative; overflow: hidden; }
.cta-band::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(circle at 80% 20%, rgba(176,141,87,.14), transparent 55%);
}
.cta-band__inner { position: relative; text-align: center; max-width: 720px; margin-inline: auto; }
.cta-band h2 { color: var(--cream); }
.cta-band p { color: rgba(247,243,234,.82); margin-top: 18px; }
.cta-band__actions { display: flex; flex-wrap: wrap; gap: 14px; justify-content: center; margin-top: 36px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--charcoal); color: rgba(247,243,234,.7); padding-top: clamp(56px, 7vw, 88px); }
.footer__top { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: clamp(28px, 4vw, 56px); padding-bottom: 56px; border-bottom: 1px solid rgba(201,172,126,.14); }
@media (max-width: 900px) { .footer__top { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer__top { grid-template-columns: 1fr; } }
.footer__brand .brand__name { color: var(--cream); }
.footer__brand p { color: rgba(247,243,234,.6); font-size: 0.9rem; margin-top: 18px; max-width: 34ch; }
.footer__col h4 { font-family: var(--mono); font-size: 0.66rem; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gilt); margin-bottom: 18px; }
.footer__col a { display: block; padding: 7px 0; font-size: 0.88rem; color: rgba(247,243,234,.68); transition: color .25s; }
.footer__col a:hover { color: var(--cream); }
.footer__disclaimer { padding: 32px 0; border-bottom: 1px solid rgba(201,172,126,.14); }
.footer__disclaimer p { font-size: 0.78rem; line-height: 1.7; color: rgba(247,243,234,.5); max-width: 100ch; }
.footer__disclaimer .verify-note { color: rgba(201,172,126,.6); margin-top: 14px; }
.footer__bottom { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 16px; padding: 26px 0 40px; align-items: center; }
.footer__legal { display: flex; flex-wrap: wrap; gap: 20px; }
.footer__legal a { font-family: var(--mono); font-size: 0.68rem; letter-spacing: 0.06em; color: rgba(247,243,234,.55); }
.footer__legal a:hover { color: var(--cream); }
.footer__copy { font-family: var(--mono); font-size: 0.68rem; letter-spacing: 0.04em; color: rgba(247,243,234,.4); }

/* ---------- Page hero (interior) ---------- */
/* Extra top padding clears the overlaying transparent header */
.page-hero { background: var(--charcoal); color: var(--cream); padding-block: calc(clamp(64px, 9vw, 118px) + 79px) clamp(64px, 9vw, 118px); position: relative; overflow: hidden; }
.page-hero::before { content: ""; position: absolute; inset: 0; background: radial-gradient(circle at 90% 10%, rgba(77,0,17,.5), transparent 50%); }
/* Slow moving black -> burgundy -> gold sheen, for a living feel like the homepage hero */
.page-hero::after {
  content: ""; position: absolute; inset: 0; z-index: 0; pointer-events: none;
  background: linear-gradient(120deg, transparent 0%, rgba(77,0,17,.5) 28%, rgba(176,141,87,.22) 50%, rgba(77,0,17,.5) 72%, transparent 100%);
  background-size: 220% 220%; animation: heroSheen 28s ease-in-out infinite;
}
@keyframes heroSheen { 0% { background-position: 0% 50%; } 50% { background-position: 100% 50%; } 100% { background-position: 0% 50%; } }
@media (prefers-reduced-motion: reduce) { .page-hero::after { animation: none; } }
.page-hero__inner { position: relative; z-index: 1; max-width: 780px; }
.page-hero .eyebrow { margin-bottom: 22px; }
.page-hero h1 { color: var(--cream); }
.page-hero p { color: rgba(247,243,234,.78); margin-top: 22px; font-size: clamp(1.05rem, 1.5vw, 1.28rem); max-width: 60ch; }
.breadcrumb { display: flex; gap: 8px; align-items: center; font-family: var(--mono); font-size: 0.68rem; letter-spacing: 0.06em; text-transform: uppercase; color: rgba(247,243,234,.5); margin-bottom: 26px; }
.breadcrumb a:hover { color: var(--gilt-soft); }
.breadcrumb span { opacity: .4; }

/* ---------- Prose (article / legal body) ---------- */
.prose { max-width: 72ch; }
.prose > * + * { margin-top: 1.3em; }
.prose h2 { margin-top: 2em; font-size: clamp(1.6rem, 2.4vw, 2.1rem); }
.prose h3 { margin-top: 1.6em; font-size: 1.3rem; }
/* Doc-style pages wrap content in <section>, so .prose's sibling spacing (direct
   children only) doesn't reach inside — restore comfortable spacing there. */
.doc__body.prose section > * + * { margin-top: 1.2em; }
.doc__body.prose section > h2 { margin-top: 2.2em; }
.doc__body.prose section > h3 { margin-top: 1.8em; }
.prose p { color: var(--ink); line-height: 1.72; }
.prose ul, .prose ol { padding-left: 0; margin-top: 1em; }
.prose ul li, .prose ol li { position: relative; padding-left: 26px; margin-bottom: 12px; color: var(--ink); line-height: 1.6; }
.prose ul li::before { content: ""; position: absolute; left: 4px; top: 11px; width: 6px; height: 6px; background: var(--gilt); border-radius: 50%; }
.prose ol { counter-reset: li; }
.prose ol li { counter-increment: li; }
.prose ol li::before { content: counter(li,decimal-leading-zero); position: absolute; left: 0; top: 1px; font-family: var(--mono); font-size: 0.72rem; color: var(--burgundy); font-weight: 600; }
.prose strong { color: var(--charcoal); font-weight: 600; }
.prose a { color: var(--burgundy); border-bottom: 1px solid var(--line); }
.prose a:hover { border-color: var(--burgundy); }
.prose blockquote { border-left: 2px solid var(--gilt); padding-left: 24px; font-family: var(--serif); font-style: italic; font-size: 1.3rem; color: var(--charcoal); }

/* Two-column doc layout (sidebar + prose) */
.doc { display: grid; grid-template-columns: 260px 1fr; gap: clamp(32px, 5vw, 72px); align-items: start; }
@media (max-width: 900px) { .doc { grid-template-columns: 1fr; } }
.doc__nav { position: sticky; top: 100px; }
.doc__nav .eyebrow { margin-bottom: 18px; }
.doc__nav a { display: block; padding: 8px 0 8px 16px; font-size: 0.86rem; color: var(--slate); border-left: 1px solid var(--line); transition: all .25s; }
.doc__nav a:hover, .doc__nav a.active { color: var(--burgundy); border-color: var(--burgundy); }

/* ---------- Callout box ---------- */
.callout {
  border: 1px solid var(--line); border-left: 3px solid var(--burgundy);
  background: var(--cream); border-radius: 3px; padding: 24px 28px; margin: 28px 0;
}
.callout__title { font-family: var(--mono); font-size: 0.7rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--burgundy); margin-bottom: 10px; }
.callout p { font-size: 0.94rem; color: var(--slate); }
.callout--warn { border-left-color: var(--sold); background: color-mix(in srgb, var(--sold) 5%, var(--cream)); }
.callout--warn .callout__title { color: var(--sold); }
.callout--gilt { border-left-color: var(--gilt); }
.callout--gilt .callout__title { color: var(--oak-deep); }

/* ---------- Forms ---------- */
.form { display: grid; gap: 22px; }
.form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
@media (max-width: 620px) { .form__row { grid-template-columns: 1fr; } }
.field { display: flex; flex-direction: column; gap: 8px; }
.field label { font-family: var(--mono); font-size: 0.7rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--charcoal); font-weight: 500; }
.field label .req { color: var(--burgundy); }
.field input, .field select, .field textarea {
  font-family: var(--sans); font-size: 0.98rem; padding: 14px 16px;
  border: 1px solid var(--line); border-radius: 2px; background: var(--white);
  color: var(--ink); transition: border-color .25s;
}
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--burgundy); }
.field textarea { resize: vertical; min-height: 120px; }
.check { display: grid; grid-template-columns: auto 1fr; gap: 12px; align-items: start; padding: 4px 0; }
.check input { margin-top: 3px; width: 18px; height: 18px; accent-color: var(--burgundy); flex-shrink: 0; }
.check label { font-family: var(--sans); font-size: 0.86rem; letter-spacing: 0; text-transform: none; color: var(--slate); font-weight: 400; line-height: 1.5; }
.check a { color: var(--burgundy); border-bottom: 1px solid var(--line); }
.form-ack {
  background: var(--cream); border: 1px solid var(--line); border-radius: 3px;
  padding: 20px 22px; font-size: 0.84rem; color: var(--slate); line-height: 1.6;
}

/* ---------- Login card ---------- */
.login-wrap { min-height: 80vh; display: grid; place-items: center; padding: 60px var(--gutter); background: var(--cream); }
.login-card { width: 100%; max-width: 440px; background: var(--white); border: 1px solid var(--line-soft); border-radius: 4px; padding: clamp(32px, 5vw, 48px); box-shadow: var(--shadow-md); }
.login-card__mark { display: flex; justify-content: center; margin-bottom: 24px; }
.login-card h1 { font-size: 1.9rem; text-align: center; }
.login-card__sub { text-align: center; color: var(--slate); font-size: 0.92rem; margin: 10px 0 32px; }
.login-card .forgot { text-align: center; margin-top: 20px; }
.login-card .forgot a { font-family: var(--mono); font-size: 0.72rem; letter-spacing: 0.06em; color: var(--burgundy); }
.login-secure { margin-top: 28px; padding-top: 24px; border-top: 1px solid var(--line-soft); display: flex; align-items: center; justify-content: center; gap: 8px; font-family: var(--mono); font-size: 0.68rem; letter-spacing: 0.06em; color: var(--grey); }
.login-secure svg { width: 14px; height: 14px; color: var(--available); }

/* ---------- FAQ ---------- */
.faq { border-top: 1px solid var(--line); }
.faq__item { border-bottom: 1px solid var(--line); }
.faq__q { width: 100%; display: flex; justify-content: space-between; align-items: center; gap: 20px; background: transparent; border: 0; padding: 24px 0; text-align: left; font-family: var(--serif); font-size: clamp(1.15rem, 1.8vw, 1.4rem); color: var(--charcoal); transition: color .25s; }
.faq__q:hover { color: var(--burgundy); }
.faq__q svg { width: 20px; height: 20px; flex-shrink: 0; color: var(--burgundy); transition: transform .3s; }
.faq__item.open .faq__q svg { transform: rotate(45deg); }
.faq__a { max-height: 0; overflow: hidden; transition: max-height .4s var(--ease); }
.faq__a-inner { padding: 0 0 26px; color: var(--slate); font-size: 0.98rem; line-height: 1.7; max-width: 68ch; }
.faq__item.open .faq__a { max-height: 500px; }

/* ---------- Timeline ---------- */
.timeline { position: relative; padding-left: 32px; }
.timeline::before { content: ""; position: absolute; left: 7px; top: 8px; bottom: 8px; width: 1px; background: var(--line); }
.timeline__item { position: relative; padding-bottom: 40px; }
.timeline__item:last-child { padding-bottom: 0; }
.timeline__item::before { content: ""; position: absolute; left: -32px; top: 6px; width: 15px; height: 15px; border-radius: 50%; background: var(--paper); border: 2px solid var(--gilt); }
.timeline__item.done::before { background: var(--burgundy); border-color: var(--burgundy); }
.timeline__year { font-family: var(--mono); font-size: 0.72rem; letter-spacing: 0.1em; color: var(--burgundy); text-transform: uppercase; }
.timeline__item h3 { font-size: 1.25rem; margin: 6px 0 8px; }
.timeline__item p { color: var(--slate); font-size: 0.92rem; }

/* ---------- Fee table ---------- */
.fee-table { border: 1px solid var(--line); border-radius: 4px; overflow: hidden; }
.fee-row { display: grid; grid-template-columns: 200px 1fr 210px; gap: 28px; padding: 22px 26px; border-bottom: 1px solid var(--line-soft); align-items: start; }
.fee-row:last-child { border-bottom: 0; }
.fee-row:nth-child(even) { background: var(--cream); }
.fee-row__name { font-weight: 600; color: var(--charcoal); font-size: 0.96rem; line-height: 1.45; }
.fee-row__desc { color: var(--slate); font-size: 0.9rem; line-height: 1.6; }
.fee-row__val { font-family: var(--mono); font-size: 0.82rem; color: var(--burgundy); text-align: right; line-height: 1.55; }
@media (max-width: 860px) { .fee-row { grid-template-columns: 170px 1fr; gap: 6px 24px; } .fee-row__desc { grid-column: 2; } .fee-row__val { grid-column: 2; text-align: left; margin-top: 8px; } }
@media (max-width: 560px) { .fee-row { grid-template-columns: 1fr; } .fee-row__desc, .fee-row__val { grid-column: 1; } }

/* ---------- Glossary ---------- */
.glossary { display: grid; gap: 1px; background: var(--line); border: 1px solid var(--line); border-radius: 4px; overflow: hidden; }
.glossary dt { background: var(--white); padding: 20px 24px 6px; font-family: var(--serif); font-size: 1.25rem; color: var(--charcoal); }
.glossary dd { background: var(--white); padding: 0 24px 20px; color: var(--slate); font-size: 0.94rem; }

/* ---------- Utilities specific ---------- */
.pill-row { display: flex; flex-wrap: wrap; gap: 10px; }
.stat-inline { display: flex; gap: clamp(28px, 5vw, 56px); flex-wrap: wrap; margin-top: 40px; }
.stat-inline .s .n { font-family: var(--serif); font-size: clamp(2rem, 3vw, 2.6rem); color: var(--burgundy); line-height: 1; }
.stat-inline .s .l { font-family: var(--mono); font-size: 0.66rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--grey); margin-top: 8px; }