/* ==========================================================================
   IronFjord Wealth Management — site styles
   Palette: deep fjord navy, glacier teal, aurora mint, iron-ore copper.
   ========================================================================== */

:root {
  --ink-950: #050f1c;
  --ink-900: #0a1a2f;
  --ink-800: #10284a;
  --ink-700: #1a3a63;
  --fjord-500: #1f5a8c;
  --teal-text: #0a5a6b;
  --copper-text: #a3441a;
  --glacier-500: #22a6c3;
  --glacier-400: #4fc3d9;
  --glacier-300: #8adde8;
  --glacier-100: #dff5f8;
  --aurora-400: #6ee7b7;
  --copper-600: #c95b22;
  --copper-500: #e8743b;
  --copper-400: #f2925f;
  --copper-100: #fde8dc;
  --paper: #f7f5f0;
  --paper-2: #efebe3;
  --white: #ffffff;
  --text: #0e1b2c;
  --text-2: #44546a;
  --text-3: #4f5e72;
  --line: rgba(14, 27, 44, 0.1);
  --line-2: rgba(14, 27, 44, 0.16);

  --font-display: "Source Serif 4", Georgia, "Times New Roman", serif;
  --font-body: "Manrope", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;

  --radius-sm: 10px;
  --radius: 18px;
  --radius-lg: 28px;
  --shadow-sm: 0 1px 2px rgba(10, 26, 47, 0.06), 0 2px 8px rgba(10, 26, 47, 0.05);
  --shadow: 0 2px 4px rgba(10, 26, 47, 0.04), 0 12px 32px -8px rgba(10, 26, 47, 0.14);
  --shadow-lg: 0 30px 80px -20px rgba(10, 26, 47, 0.35);
  --ease: cubic-bezier(0.22, 1, 0.36, 1);

  --container: 1200px;
  --gutter: clamp(16px, 4vw, 40px);
  --header-h: 76px;
}

/* ------------------------------------------------------------------ base */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 16px); }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 1.125rem;
  line-height: 1.65;
  color: var(--text);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
img, svg, video, iframe { max-width: 100%; display: block; }
img { height: auto; }
a { color: inherit; text-decoration-thickness: 1px; text-underline-offset: 3px; }
button { font: inherit; color: inherit; }
h1, h2, h3, h4 { margin: 0 0 0.5em; line-height: 1.12; font-weight: 600; letter-spacing: -0.01em; }
h1, h2 { font-family: var(--font-display); text-wrap: balance; }
h3, .lede, .section-sub { text-wrap: pretty; }
h3, h4 { font-family: var(--font-body); font-weight: 700; letter-spacing: -0.015em; }
p { margin: 0 0 1em; }
ul, ol { margin: 0 0 1em; padding-left: 1.25em; }
strong { font-weight: 700; }
::selection { background: var(--glacier-300); color: var(--ink-900); }
:focus-visible { outline: 3px solid var(--glacier-400); outline-offset: 3px; border-radius: 6px; }

.skip-link { position: absolute; left: 16px; top: -100px; z-index: 1000; background: var(--white); color: var(--ink-900); padding: 10px 16px; border-radius: 8px; font-weight: 700; }
.skip-link:focus { top: 12px; }
.sr-only { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

.container { width: 100%; max-width: calc(var(--container) + var(--gutter) * 2); margin: 0 auto; padding: 0 var(--gutter); }
.container-narrow { max-width: calc(820px + var(--gutter) * 2); }
.icon { flex: none; }
.muted { color: var(--text-3); }
.small { font-size: 0.95rem; color: var(--text-2); }

/* -------------------------------------------------------------- type */
.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-size: 0.875rem; font-weight: 800; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--teal-text); margin-bottom: 14px;
}
.eyebrow::before { content: ""; width: 26px; height: 2px; border-radius: 2px; background: linear-gradient(90deg, var(--glacier-400), var(--aurora-400)); }
.eyebrow-light { color: var(--glacier-300); }
.section-title { font-size: clamp(2rem, 4.2vw, 3.1rem); margin-bottom: 0.4em; }
.section-sub { font-size: 1.15rem; color: var(--text-2); max-width: 680px; }
.section-head { max-width: 760px; margin-bottom: clamp(36px, 5vw, 56px); }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head.center .section-sub { margin-left: auto; margin-right: auto; }
.grad-text {
  background: linear-gradient(100deg, var(--glacier-300) 0%, var(--aurora-400) 45%, var(--copper-400) 100%);
  -webkit-background-clip: text; background-clip: text; color: transparent;
}
.grad-text-dark {
  background: linear-gradient(100deg, var(--fjord-500), var(--glacier-500) 50%, var(--copper-500));
  -webkit-background-clip: text; background-clip: text; color: transparent;
}
.text-link { display: inline-flex; align-items: center; gap: 6px; font-weight: 700; color: var(--fjord-500); text-decoration: none; }
.text-link:hover { color: var(--copper-600); }
.text-link .icon { transition: transform .3s var(--ease); }
.text-link:hover .icon { transform: translateX(3px); }

/* ------------------------------------------------------------ buttons */
.btn {
  --bg: var(--ink-900); --fg: var(--white);
  position: relative; display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 52px; padding: 0 24px; border-radius: 999px; border: 0;
  font-weight: 800; font-size: 1rem; letter-spacing: -0.005em; text-decoration: none; cursor: pointer;
  background: var(--bg); color: var(--fg); isolation: isolate; overflow: hidden;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), background-color .2s;
}
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }
.btn-arrow { display: inline-grid; place-items: center; width: 28px; height: 28px; margin-right: -10px; border-radius: 50%; background: rgba(5, 15, 28, 0.12); transition: transform .35s var(--ease); }
.btn-arrow .icon { width: 16px; height: 16px; }
.btn:hover .btn-arrow { transform: translateX(3px); }
.btn-primary {
  --fg: var(--ink-950);
  background: linear-gradient(120deg, var(--copper-500), #f6a868 55%, var(--copper-400));
  background-size: 200% 100%;
  box-shadow: 0 10px 30px -10px rgba(232, 116, 59, 0.7), inset 0 1px 0 rgba(255, 255, 255, 0.35);
}
.btn-primary:hover { background-position: 100% 0; box-shadow: 0 16px 40px -12px rgba(232, 116, 59, 0.8), inset 0 1px 0 rgba(255, 255, 255, 0.35); }
.btn-ghost { --bg: transparent; --fg: var(--ink-900); box-shadow: inset 0 0 0 1.5px var(--line-2); }
.btn-ghost:hover { box-shadow: inset 0 0 0 1.5px var(--ink-900); }
.btn-ghost .btn-arrow { background: rgba(10, 26, 47, 0.06); }
.btn-ghost-light { --bg: rgba(255, 255, 255, 0.06); --fg: var(--white); box-shadow: inset 0 0 0 1.5px rgba(255, 255, 255, 0.28); backdrop-filter: blur(8px); }
.btn-ghost-light:hover { --bg: rgba(255, 255, 255, 0.12); box-shadow: inset 0 0 0 1.5px rgba(255, 255, 255, 0.6); }
.btn-ghost-light .btn-arrow { background: rgba(255, 255, 255, 0.12); }
.btn-sm { min-height: 42px; padding: 0 18px; font-size: 0.92rem; }
.btn-sm .btn-arrow { width: 24px; height: 24px; margin-right: -6px; }

.chip {
  display: inline-flex; align-items: center; gap: 6px; padding: 5px 12px; border-radius: 999px;
  font-size: 0.85rem; font-weight: 700; letter-spacing: 0.01em;
  background: var(--glacier-100); color: var(--teal-text);
}

/* ------------------------------------------------------------ header */
.site-header {
  position: fixed; inset: 0 0 auto 0; z-index: 100; height: var(--header-h);
  color: var(--white);
  transition: background-color .35s var(--ease), color .35s var(--ease), box-shadow .35s var(--ease), transform .4s var(--ease);
}
.site-header.is-scrolled {
  background: rgba(247, 245, 240, 0.82);
  -webkit-backdrop-filter: saturate(160%) blur(16px); backdrop-filter: saturate(160%) blur(16px);
  color: var(--ink-900);
  box-shadow: 0 1px 0 var(--line), 0 10px 30px -18px rgba(10, 26, 47, 0.3);
}
.site-header.is-hidden { transform: translateY(-100%); }
.header-inner { display: flex; align-items: center; gap: 24px; height: 100%; }
.brand { display: inline-flex; color: inherit; flex: none; }
.logo-mark {
  display: block; width: 164px; height: 50px; background-color: currentColor;
  -webkit-mask: url(/img/logo-horizontal.png) left center / contain no-repeat;
  mask: url(/img/logo-horizontal.png) left center / contain no-repeat;
}
.logo-lg { width: 210px; height: 64px; }
.main-nav { margin-left: auto; }
.main-nav ul { display: flex; gap: 2px; list-style: none; margin: 0; padding: 0; }
.nav-link {
  position: relative; display: inline-flex; align-items: center; gap: 4px;
  padding: 10px 14px; border-radius: 999px; font-weight: 600; font-size: 0.95rem; text-decoration: none;
  opacity: 0.88; transition: opacity .2s, background-color .2s;
}
.nav-link:hover, .nav-link.is-active { opacity: 1; }
.nav-link:hover { background: rgba(255, 255, 255, 0.08); }
.is-scrolled .nav-link:hover { background: rgba(10, 26, 47, 0.06); }
.nav-link.is-active::after {
  content: ""; position: absolute; left: 14px; right: 14px; bottom: 4px; height: 2px; border-radius: 2px;
  background: linear-gradient(90deg, var(--glacier-400), var(--copper-400));
}
.has-dropdown { position: relative; }
.has-dropdown .nav-link { padding-right: 10px; }
.nav-caret { transition: transform .3s var(--ease); opacity: .7; }
.has-dropdown:hover .nav-caret, .has-dropdown:focus-within .nav-caret { transform: rotate(180deg); }
.dropdown {
  position: absolute; top: calc(100% + 6px); left: 50%; width: 330px; padding: 10px;
  background: var(--white); color: var(--text); border-radius: var(--radius); box-shadow: var(--shadow-lg);
  border: 1px solid var(--line);
  opacity: 0; visibility: hidden; transform: translate(-50%, 8px);
  transition: opacity .25s var(--ease), transform .25s var(--ease), visibility .25s;
}
.dropdown::before { content: ""; position: absolute; inset: -12px 0 auto; height: 12px; }
.has-dropdown:hover .dropdown, .has-dropdown:focus-within .dropdown { opacity: 1; visibility: visible; transform: translate(-50%, 0); }
.dropdown-link { display: block; padding: 12px 14px; border-radius: 12px; text-decoration: none; transition: background-color .2s; }
.dropdown-link:hover { background: var(--paper); }
.dropdown-link strong { display: block; font-size: 0.97rem; }
.dropdown-link span { display: block; font-size: 0.92rem; color: var(--text-3); line-height: 1.4; }
.header-actions { display: flex; align-items: center; gap: 10px; }
.login-link { display: inline-flex; align-items: center; gap: 6px; padding: 8px 12px; font-weight: 600; font-size: 0.92rem; text-decoration: none; opacity: .85; border-radius: 999px; }
.login-link:hover { opacity: 1; }
.nav-toggle { display: none; width: 46px; height: 46px; border: 0; background: rgba(255,255,255,.08); border-radius: 50%; cursor: pointer; position: relative; }
.is-scrolled .nav-toggle { background: rgba(10, 26, 47, 0.06); }

.mobile-menu {
  position: fixed; inset: 0; z-index: -1; padding: calc(var(--header-h) + 16px) var(--gutter) 32px;
  background: radial-gradient(120% 80% at 100% 0%, rgba(79, 195, 217, 0.22), transparent 60%), var(--ink-900);
  color: var(--white); overflow-y: auto; display: flex; flex-direction: column;
}
.mobile-menu[hidden] { display: none; }
.mobile-menu ul { list-style: none; padding: 0; margin: 0 0 32px; }
.mobile-menu li a { display: block; padding: 12px 0; font-family: var(--font-display); font-size: 1.9rem; text-decoration: none; border-bottom: 1px solid rgba(255,255,255,.08); }
.mobile-menu-foot { margin-top: auto; display: grid; gap: 12px; }
.mobile-menu-foot p { text-align: center; opacity: .8; font-size: .95rem; margin-top: 8px; }
.menu-open { overflow: hidden; }
.menu-open .site-header { color: var(--white); background: transparent; box-shadow: none; backdrop-filter: none; }

@media (max-width: 1080px) {
  .main-nav, .login-link { display: none; }
  .nav-toggle { display: block; }
  .header-actions { margin-left: auto; }
}
@media (max-width: 560px) {
  .header-cta { display: none; }
  .logo-mark { width: 140px; }
}

/* ------------------------------------------------------------- aurora / hero */
.aurora { position: absolute; inset: 0; overflow: hidden; pointer-events: none; }
.blob { position: absolute; border-radius: 50%; filter: blur(70px); opacity: .42; will-change: transform; }
.b1 { width: 52vw; height: 52vw; max-width: 760px; max-height: 760px; left: -12%; top: -30%; background: radial-gradient(circle, #1f6fb3, transparent 65%); animation: drift1 22s ease-in-out infinite alternate; }
.b2 { width: 42vw; height: 42vw; max-width: 620px; max-height: 620px; right: -10%; top: -10%; background: radial-gradient(circle, #22b5c9, transparent 65%); animation: drift2 26s ease-in-out infinite alternate; opacity: .45; }
.b3 { width: 34vw; height: 34vw; max-width: 520px; max-height: 520px; left: 35%; bottom: -25%; background: radial-gradient(circle, #e8743b, transparent 65%); animation: drift3 30s ease-in-out infinite alternate; opacity: .28; }
@keyframes drift1 { to { transform: translate(14%, 18%) scale(1.15); } }
@keyframes drift2 { to { transform: translate(-18%, 20%) scale(0.9); } }
@keyframes drift3 { to { transform: translate(-22%, -20%) scale(1.2); } }
.grain {
  position: absolute; inset: 0; pointer-events: none; opacity: .14; mix-blend-mode: overlay;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}

.page-hero {
  position: relative; overflow: hidden; isolation: isolate;
  background: linear-gradient(180deg, var(--ink-950) 0%, var(--ink-900) 55%, var(--ink-800) 100%);
  color: var(--white);
  padding: calc(var(--header-h) + clamp(48px, 8vw, 96px)) 0 clamp(150px, 16vw, 220px);
}
.page-hero-inner { position: relative; z-index: 2; }
.page-hero-inner.has-visual { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr); gap: clamp(32px, 5vw, 72px); align-items: center; }
.page-title { font-size: clamp(2.4rem, 5.6vw, 4.3rem); font-weight: 600; line-height: 1.04; letter-spacing: -0.02em; max-width: 16ch; margin-bottom: 0.35em; }
.page-title em { font-style: italic; font-weight: 600; }
.page-hero .lede { font-size: clamp(1.1rem, 1.6vw, 1.3rem); color: rgba(255, 255, 255, 0.78); max-width: 620px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.crumbs { display: flex; flex-wrap: wrap; gap: 8px; font-size: 0.95rem; color: rgba(255,255,255,.75); margin-bottom: 26px; }
.crumbs a { text-decoration: none; color: rgba(255,255,255,.88); }
.crumbs a:hover { color: var(--white); }
.jump-chips { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 34px; }
.jump-chips a {
  padding: 8px 14px; border-radius: 999px; font-size: 0.88rem; font-weight: 600; text-decoration: none;
  background: rgba(255, 255, 255, 0.07); border: 1px solid rgba(255, 255, 255, 0.14); color: rgba(255,255,255,.9);
  transition: background-color .2s, border-color .2s, transform .3s var(--ease);
}
.jump-chips a:hover { background: rgba(255, 255, 255, 0.14); border-color: rgba(255,255,255,.3); transform: translateY(-2px); }
@media (max-width: 900px) {
  .page-hero-inner.has-visual { grid-template-columns: 1fr; }
}

/* fjord landscape */
.fjord { position: absolute; left: 0; right: 0; bottom: -1px; height: clamp(140px, 18vw, 260px); z-index: 1; pointer-events: none; }
.fjord-layer { position: absolute; left: -2%; width: 104%; bottom: 0; height: 100%; will-change: transform; }
.fjord-back path { fill: #1b3d66; opacity: .55; }
.fjord-mid path { fill: #14335a; opacity: .85; }
.fjord-front { height: 72%; }
.fjord-front path { fill: var(--ink-950); }
.fjord-water { position: absolute; left: 0; right: 0; bottom: 0; height: 26%; background: linear-gradient(180deg, transparent, rgba(79,195,217,.08)); overflow: hidden; }
.fjord-water span { position: absolute; height: 1.5px; border-radius: 2px; background: linear-gradient(90deg, transparent, rgba(138, 221, 232, .55), transparent); animation: shimmer 7s ease-in-out infinite; }
.fjord-water span:nth-child(1) { width: 30%; left: 12%; top: 30%; }
.fjord-water span:nth-child(2) { width: 22%; left: 55%; top: 55%; animation-delay: -2.5s; }
.fjord-water span:nth-child(3) { width: 40%; left: 30%; top: 80%; animation-delay: -5s; }
@keyframes shimmer { 0%, 100% { opacity: .2; transform: translateX(-30px); } 50% { opacity: 1; transform: translateX(30px); } }
/* page following the hero: blend the front ridge into the paper background */
.page-hero + * { position: relative; }
.page-hero .fjord-front path { fill: var(--paper); }
.page-hero.to-white .fjord-front path { fill: var(--white); }
.page-hero.to-tint .fjord-front path { fill: var(--paper-2); }

/* ---------------------------------------------------------- home hero */
.home-hero { min-height: min(100vh, 980px); display: flex; align-items: center; padding-bottom: clamp(190px, 20vw, 280px); }
.home-hero .page-title { font-size: clamp(2.6rem, 6.4vw, 5.2rem); max-width: 13ch; }
.hero-badges { display: flex; flex-wrap: wrap; gap: 8px 18px; margin-top: 30px; padding: 0; list-style: none; color: rgba(255,255,255,.8); font-weight: 600; font-size: .95rem; }
.hero-badges li { display: inline-flex; align-items: center; gap: 8px; }
.hero-badges .icon { color: var(--aurora-400); width: 20px; height: 20px; }

.plan-card {
  position: relative; padding: 26px; border-radius: var(--radius-lg);
  background: linear-gradient(160deg, rgba(255,255,255,.13), rgba(255,255,255,.04));
  border: 1px solid rgba(255,255,255,.16);
  -webkit-backdrop-filter: blur(18px); backdrop-filter: blur(18px);
  box-shadow: 0 40px 80px -30px rgba(0,0,0,.6), inset 0 1px 0 rgba(255,255,255,.18);
  animation: float 12s ease-in-out infinite;
}
@keyframes float { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-4px); } }
.plan-card-head { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-bottom: 18px; }
.plan-card-head p { margin: 0; font-weight: 700; }
.plan-card-head small { display: block; font-weight: 500; color: rgba(255,255,255,.75); font-size: .9rem; }
.live-dot { display: inline-flex; align-items: center; gap: 8px; font-size: .85rem; font-weight: 700; color: var(--aurora-400); padding: 5px 10px; border-radius: 999px; background: rgba(110,231,183,.1); }
.live-dot::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: currentColor; box-shadow: 0 0 0 0 rgba(110,231,183,.6); animation: pulse 2s infinite; }
@keyframes pulse { 70% { box-shadow: 0 0 0 10px rgba(110,231,183,0); } 100% { box-shadow: 0 0 0 0 rgba(110,231,183,0); } }
.plan-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.plan-item {
  display: grid; grid-template-columns: 42px 1fr auto; align-items: center; gap: 14px;
  padding: 12px 14px; border-radius: 14px; background: rgba(5, 15, 28, .35); border: 1px solid rgba(255,255,255,.07);
}
.plan-item .pi-icon { width: 42px; height: 42px; display: grid; place-items: center; border-radius: 12px; background: linear-gradient(135deg, rgba(79,195,217,.25), rgba(46,111,168,.25)); color: var(--glacier-300); }
.plan-item .pi-icon .icon { width: 22px; height: 22px; }
.plan-item strong { display: block; font-size: .95rem; }
.plan-item span { display: block; font-size: .88rem; color: rgba(255,255,255,.75); line-height: 1.35; }
.pi-check { width: 28px; height: 28px; border-radius: 50%; display: grid; place-items: center; border: 1.5px solid rgba(255,255,255,.25); color: transparent; transition: all .5s var(--ease); }
.pi-check .icon { width: 16px; height: 16px; }
.plan-item.is-done .pi-check { background: var(--aurora-400); border-color: var(--aurora-400); color: var(--ink-900); transform: scale(1.05); }
.plan-card-foot { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-top: 18px; padding-top: 16px; border-top: 1px dashed rgba(255,255,255,.16); font-size: .88rem; color: rgba(255,255,255,.75); }
.plan-card-foot strong { color: var(--white); font-size: 1.05rem; }
.plan-floater {
  position: absolute; right: -18px; top: -22px; padding: 10px 14px; border-radius: 14px;
  background: var(--white); color: var(--ink-900); box-shadow: var(--shadow-lg); font-size: .82rem; font-weight: 700;
  display: flex; align-items: center; gap: 8px;
}
.plan-floater .icon { color: var(--copper-500); width: 18px; height: 18px; }
@media (max-width: 900px) {
  .home-hero { min-height: 0; }
  .plan-floater { right: 8px; }
}

/* ---------------------------------------------------------- sections */
.section { position: relative; padding: clamp(72px, 10vw, 128px) 0; }
.section-sm { padding: clamp(48px, 6vw, 72px) 0; }
.section-white { background: var(--white); }
.section-tint { background: var(--paper-2); }
.section-dark {
  background: radial-gradient(90% 70% at 85% 0%, rgba(34, 166, 195, .18), transparent 60%),
              radial-gradient(70% 60% at 0% 100%, rgba(232, 116, 59, .12), transparent 60%), var(--ink-900);
  color: var(--white); overflow: hidden;
}
.section-dark .section-sub, .section-dark p { color: rgba(255,255,255,.76); }
.section-dark .eyebrow, .eyebrow-light { color: var(--glacier-300); }
.section-dark h2, .section-dark h3 { color: var(--white); }

/* ---------------------------------------------------------- marquee */
.press { padding: 40px 0 44px; background: var(--paper); border-bottom: 1px solid var(--line); }
.press-label { text-align: center; font-size: .85rem; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; color: var(--text-3); margin-bottom: 22px; }
.marquee { position: relative; overflow: hidden; -webkit-mask-image: linear-gradient(90deg, transparent, #000 12%, #000 88%, transparent); mask-image: linear-gradient(90deg, transparent, #000 12%, #000 88%, transparent); }
.marquee-track { display: flex; align-items: center; gap: clamp(40px, 6vw, 80px); width: max-content; animation: marquee 60s linear infinite; }
.marquee:hover .marquee-track { animation-play-state: paused; }
.marquee img { height: 38px; width: auto; filter: grayscale(1) contrast(1.1); opacity: .62; mix-blend-mode: multiply; transition: filter .3s, opacity .3s; }
.marquee img.tall { height: 52px; }
.marquee a:hover img { filter: none; opacity: 1; }
@keyframes marquee { to { transform: translateX(-50%); } }

/* ---------------------------------------------------------- cards */
.grid-2 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 20px; }
@media (max-width: 980px) { .grid-3, .grid-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 640px) { .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; } }

.card {
  position: relative; padding: clamp(24px, 3vw, 34px); border-radius: var(--radius-lg);
  background: var(--white); border: 1px solid var(--line); box-shadow: var(--shadow-sm);
  transition: transform .45s var(--ease), box-shadow .45s var(--ease), border-color .3s;
  overflow: hidden; isolation: isolate;
}
.card::before { /* spotlight that follows the cursor */
  content: ""; position: absolute; inset: 0; z-index: -1; opacity: 0; transition: opacity .4s;
  background: radial-gradient(420px circle at var(--mx, 50%) var(--my, 50%), rgba(79, 195, 217, .14), transparent 45%);
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: rgba(34,166,195,.3); }
.card:hover::before { opacity: 1; }
.card h3 { font-size: 1.25rem; margin-bottom: .45em; }
.card p { color: var(--text-2); margin-bottom: 0; }
.card p + p { margin-top: .8em; }
.card-icon {
  width: 56px; height: 56px; border-radius: 16px; display: grid; place-items: center; margin-bottom: 20px;
  color: var(--fjord-500); background: linear-gradient(135deg, var(--glacier-100), #eaf2fb);
  box-shadow: inset 0 0 0 1px rgba(46,111,168,.12);
}
.card-icon .icon { width: 28px; height: 28px; }
.card-icon.copper { color: var(--copper-600); background: linear-gradient(135deg, var(--copper-100), #fff3ea); box-shadow: inset 0 0 0 1px rgba(232,116,59,.18); }
.card-num { font-family: var(--font-display); font-size: 3.2rem; line-height: 1; font-weight: 300; color: transparent; -webkit-text-stroke: 1.5px var(--glacier-500); margin-bottom: 14px; display: block; }
.card-dark { background: linear-gradient(160deg, rgba(255,255,255,.08), rgba(255,255,255,.02)); border-color: rgba(255,255,255,.12); color: var(--white); box-shadow: none; backdrop-filter: blur(8px); }
.card-dark p { color: rgba(255,255,255,.72); }
.card-dark .card-icon { background: rgba(79,195,217,.12); color: var(--glacier-300); box-shadow: inset 0 0 0 1px rgba(79,195,217,.25); }
.card-dark:hover { border-color: rgba(79,195,217,.45); }

/* credential cards */
.cred-card { display: flex; flex-direction: column; }
.cred-badge {
  display: inline-flex; align-items: baseline; gap: 6px; margin-bottom: 18px;
  font-family: var(--font-display); font-size: 2.6rem; font-weight: 600; line-height: 1;
}
.cred-badge sup { font-size: .9rem; }
.cred-role { font-size: .85rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: var(--copper-text); margin-bottom: 6px; }
.cred-card h3 { font-size: 1.1rem; }

/* split layouts */
.split { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: clamp(36px, 6vw, 88px); align-items: center; }
.split.wide-left { grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); }
.split.wide-right { grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr); }
@media (max-width: 900px) { .split, .split.wide-left, .split.wide-right { grid-template-columns: 1fr; } }
.media-frame { position: relative; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-lg); }
.media-frame img { width: 100%; height: 100%; object-fit: cover; aspect-ratio: 4 / 3.4; transition: transform 1.2s var(--ease); }
.media-frame:hover img { transform: scale(1.04); }
.media-frame::after { content: ""; position: absolute; inset: 0; border-radius: inherit; box-shadow: inset 0 0 0 1px rgba(255,255,255,.12); pointer-events: none; }
.media-tag { position: absolute; left: 18px; bottom: 18px; right: 18px; padding: 16px 18px; border-radius: 16px; background: rgba(10,26,47,.72); backdrop-filter: blur(12px); color: var(--white); font-size: .95rem; }
.media-tag strong { display: block; font-family: var(--font-display); font-size: 1.25rem; font-weight: 500; }

/* check lists */
.check-list { list-style: none; padding: 0; margin: 0 0 1.4em; display: grid; gap: 14px; }
.check-list li { display: grid; grid-template-columns: 30px 1fr; gap: 12px; align-items: start; }
.check-list .ck { width: 30px; height: 30px; border-radius: 50%; display: grid; place-items: center; background: var(--glacier-100); color: #0d6275; }
.check-list .ck .icon { width: 16px; height: 16px; stroke-width: 2.4; }
.check-list strong { display: block; }
.check-list span.d { color: var(--text-2); font-size: .97rem; }
.section-dark .check-list .ck { background: rgba(110,231,183,.14); color: var(--aurora-400); }

.no-list { display: flex; flex-wrap: wrap; gap: 10px; margin: 26px 0 0; padding: 0; list-style: none; }
.no-list li { display: inline-flex; align-items: center; gap: 8px; padding: 10px 16px; border-radius: 999px; font-weight: 700; font-size: .95rem; background: var(--white); border: 1px solid var(--line); }
.no-list .icon { color: var(--copper-500); width: 20px; height: 20px; }

/* stats */
.stats { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 1px; background: rgba(255,255,255,.1); border-radius: var(--radius-lg); overflow: hidden; border: 1px solid rgba(255,255,255,.1); }
.stats > div { padding: clamp(22px, 3vw, 36px); background: var(--ink-900); }
.stat-big { display: block; font-family: var(--font-display); font-size: clamp(2.4rem, 4.5vw, 3.6rem); line-height: 1; font-weight: 500; margin-bottom: 10px; }
.stats p { margin: 0; font-size: .95rem; color: rgba(255,255,255,.7); }
@media (max-width: 800px) { .stats { grid-template-columns: repeat(2, minmax(0, 1fr)); } }

/* belief / opinion list */
.beliefs { display: grid; gap: 0; border-top: 1px solid var(--line-2); }
.belief { display: grid; grid-template-columns: 80px minmax(0, 1fr) minmax(0, 1.3fr); gap: 24px; padding: 30px 0; border-bottom: 1px solid var(--line-2); align-items: start; }
.belief-num { font-family: var(--font-display); font-size: 1.2rem; color: var(--teal-text); font-weight: 600; padding-top: 4px; }
.belief h3 { font-family: var(--font-display); font-weight: 500; font-size: clamp(1.35rem, 2.2vw, 1.75rem); letter-spacing: -0.01em; margin: 0; }
.belief p { margin: 0; color: var(--text-2); }
@media (max-width: 800px) { .belief { grid-template-columns: 48px 1fr; } .belief p { grid-column: 2; } }

/* ---------------------------------------------------------- fee bars (shared) */
.fee-compare { display: grid; gap: 16px; }
.fee-row { display: grid; grid-template-columns: 170px 1fr; gap: 16px; align-items: center; }
.fee-row-label { font-weight: 700; font-size: .95rem; }
.fee-row-label small { display: block; font-weight: 500; color: var(--text-3); font-size: .88rem; }
.fee-track { position: relative; height: 46px; border-radius: 12px; background: rgba(10,26,47,.05); overflow: hidden; }
.fee-bar {
  position: absolute; inset: 0 auto 0 0; width: 0; border-radius: 12px;
  background: linear-gradient(90deg, #9fb1c6, #b9c7d6);
  display: flex; align-items: center; justify-content: flex-end; padding: 0 14px;
  font-weight: 800; font-size: .95rem; color: var(--ink-900); white-space: nowrap;
  transition: width 1.4s var(--ease);
}
.fee-row.is-us .fee-bar { background: linear-gradient(90deg, var(--glacier-500), var(--aurora-400)); }
.fee-row.is-us .fee-row-label { color: var(--fjord-500); }
.section-dark .fee-track { background: rgba(255,255,255,.07); }
.section-dark .fee-row-label small { color: rgba(255,255,255,.55); }
.section-dark .fee-bar { background: linear-gradient(90deg, #3b5677, #577597); color: var(--white); }
.section-dark .fee-row.is-us .fee-bar { color: var(--ink-950); background: linear-gradient(90deg, var(--glacier-400), var(--aurora-400)); }
.section-dark .fee-row.is-us .fee-row-label { color: var(--aurora-400); }
@media (max-width: 600px) { .fee-row { grid-template-columns: 1fr; gap: 6px; } }

/* ---------------------------------------------------------- post cards */
.post-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 26px; }
@media (max-width: 980px) { .post-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 640px) { .post-grid { grid-template-columns: 1fr; } }
.post-card { position: relative; display: flex; flex-direction: column; border-radius: var(--radius-lg); background: var(--white); border: 1px solid var(--line); overflow: hidden; transition: transform .45s var(--ease), box-shadow .45s var(--ease); }
.post-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.post-card-link { position: absolute; inset: 0; z-index: 2; }
.post-card-media { aspect-ratio: 16 / 10; overflow: hidden; background: var(--paper-2); }
.post-card-media img { width: 100%; height: 100%; object-fit: cover; transition: transform 1s var(--ease); }
.post-card:hover .post-card-media img { transform: scale(1.06); }
.post-card-body { padding: 22px 24px 26px; display: flex; flex-direction: column; flex: 1; }
.post-card-meta { display: flex; align-items: center; justify-content: space-between; gap: 10px; font-size: .9rem; color: var(--text-3); margin-bottom: 14px; }
.post-card-title { font-family: var(--font-display); font-weight: 600; font-size: 1.4rem; line-height: 1.2; margin-bottom: 10px; }
.post-card-excerpt { color: var(--text-2); font-size: 1.02rem; display: -webkit-box; -webkit-line-clamp: 3; -webkit-box-orient: vertical; overflow: hidden; }
.post-card-more { margin-top: auto; display: inline-flex; align-items: center; gap: 6px; font-weight: 700; font-size: .92rem; color: var(--fjord-500); }
.post-card-more .icon { width: 16px; height: 16px; transition: transform .3s var(--ease); }
.post-card:hover .post-card-more .icon { transform: translateX(4px); }
.post-card.featured { grid-column: 1 / -1; flex-direction: row; }
.post-card.featured .post-card-media { flex: 1.2; aspect-ratio: auto; min-height: 340px; }
.post-card.featured .post-card-body { flex: 1; padding: clamp(26px, 4vw, 48px); justify-content: center; }
.post-card.featured .post-card-title { font-size: clamp(1.7rem, 3vw, 2.4rem); }
@media (max-width: 800px) { .post-card.featured { flex-direction: column; } .post-card.featured .post-card-media { min-height: 0; aspect-ratio: 16/10; } }

.filter-bar { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 34px; }
.filter-btn { padding: 10px 18px; border-radius: 999px; border: 1px solid var(--line-2); background: var(--white); font-weight: 700; font-size: .92rem; cursor: pointer; transition: all .25s var(--ease); }
.filter-btn:hover { border-color: var(--ink-900); }
.filter-btn[aria-pressed="true"] { background: var(--ink-900); color: var(--white); border-color: var(--ink-900); }
.filter-btn .count { opacity: .6; font-weight: 600; margin-left: 4px; }
.is-filtered-out { display: none !important; }

/* ---------------------------------------------------------- accordion */
.acc { border-bottom: 1px solid var(--line-2); }
.acc summary { list-style: none; display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 22px 0; cursor: pointer; }
.acc summary::-webkit-details-marker { display: none; }
.acc-q { font-weight: 700; font-size: 1.12rem; line-height: 1.4; }
.acc-icon { flex: none; width: 36px; height: 36px; border-radius: 50%; display: grid; place-items: center; background: var(--white); border: 1px solid var(--line-2); transition: transform .4s var(--ease), background-color .3s, color .3s; }
.acc-icon .icon { width: 18px; height: 18px; }
.acc summary:hover .acc-icon { border-color: var(--ink-900); }
.acc[open] .acc-icon { transform: rotate(135deg); background: var(--ink-900); color: var(--white); border-color: var(--ink-900); }
.acc-a { padding: 0 56px 24px 0; color: var(--text-2); }
.acc[open] .acc-a { animation: accIn .45s var(--ease); }
.acc-a > :last-child { margin-bottom: 0; }
.acc-a ul { padding-left: 1.2em; }
.acc-a li { margin-bottom: .35em; }
@keyframes accIn { from { opacity: 0; transform: translateY(-6px); } }
.section-dark .acc { border-color: rgba(255,255,255,.14); }
.section-dark .acc-icon { background: transparent; border-color: rgba(255,255,255,.25); }
.section-dark .acc[open] .acc-icon { background: var(--white); color: var(--ink-900); }
@media (max-width: 600px) { .acc-a { padding-right: 0; } .acc-q { font-size: 1.03rem; } }

/* ---------------------------------------------------------- CTA band */
.cta-band { padding: clamp(56px, 8vw, 100px) 0; }
.cta-card {
  position: relative; overflow: hidden; isolation: isolate; border-radius: 36px;
  padding: clamp(36px, 6vw, 72px);
  background: linear-gradient(135deg, var(--ink-900), var(--ink-800));
  color: var(--white);
  display: grid; grid-template-columns: minmax(0, 1.4fr) minmax(0, .8fr); gap: 32px; align-items: center;
  box-shadow: var(--shadow-lg);
}
.cta-card .aurora { z-index: -1; }
.cta-card .b1 { left: auto; right: -20%; top: -60%; }
.cta-card .b2 { left: -10%; right: auto; top: 30%; background: radial-gradient(circle, #e8743b, transparent 65%); opacity: .3; }
.cta-title { font-size: clamp(2rem, 4vw, 3rem); font-weight: 600; }
.cta-copy p:last-child { color: rgba(255,255,255,.76); font-size: 1.1rem; margin: 0; max-width: 560px; }
.cta-actions { display: grid; gap: 14px; justify-items: start; }
.cta-phone { display: inline-flex; align-items: center; gap: 8px; color: rgba(255,255,255,.85); text-decoration: none; font-weight: 700; }
.cta-phone:hover { color: var(--white); }
@media (max-width: 860px) { .cta-card { grid-template-columns: 1fr; } }

/* ---------------------------------------------------------- logos */
.logo-wall { display: grid; grid-template-columns: repeat(auto-fit, minmax(130px, 1fr)); gap: 16px; }
.logo-tile { display: grid; place-items: center; height: 104px; padding: 18px; background: var(--white); border: 1px solid var(--line); border-radius: 18px; transition: transform .4s var(--ease), box-shadow .4s var(--ease); }
.logo-tile:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.logo-tile img { max-height: 64px; width: auto; object-fit: contain; filter: grayscale(.2); }

/* ---------------------------------------------------------- footer */
.site-footer { position: relative; overflow: hidden; background: var(--ink-950); color: rgba(255,255,255,.8); padding: clamp(64px, 8vw, 96px) 0 40px; }
.footer-glow { position: absolute; width: 900px; height: 500px; left: 50%; top: -300px; transform: translateX(-50%); background: radial-gradient(closest-side, rgba(34,166,195,.22), transparent); pointer-events: none; }
.footer-top { position: relative; display: grid; grid-template-columns: 1.4fr 0.8fr 0.9fr 1.3fr; gap: 40px; padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,.1); }
.footer-brand .brand { color: var(--white); margin-bottom: 16px; }
.footer-tag { font-size: 1rem; max-width: 330px; }
.footer-note { font-size: .95rem; color: rgba(255,255,255,.75); }
.footer-note .icon { display: inline; vertical-align: -3px; margin-right: 6px; color: var(--glacier-300); }
.footer-h { font-family: var(--font-body); font-size: .85rem; letter-spacing: .14em; text-transform: uppercase; color: var(--glacier-300); margin-bottom: 16px; font-weight: 800; }
.footer-col ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.footer-col a { text-decoration: none; color: rgba(255,255,255,.82); transition: color .2s; }
.footer-col a:hover { color: var(--white); }
.footer-contact li > a, .footer-contact li > span { display: grid; grid-template-columns: 22px 1fr; gap: 10px; align-items: start; font-size: .95rem; }
.footer-contact .icon { color: var(--glacier-300); margin-top: 3px; }
.footer-contact .muted { color: rgba(255,255,255,.5); display: inline !important; }
.footer-legal { padding-top: 32px; font-size: .875rem; line-height: 1.65; color: rgba(255,255,255,.68); }
.footer-legal p { max-width: 1050px; }
.footer-links { display: flex; flex-wrap: wrap; gap: 10px; font-size: .9rem; color: rgba(255,255,255,.75); }
.footer-links a { color: rgba(255,255,255,.85); }
@media (max-width: 980px) { .footer-top { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-top { grid-template-columns: 1fr; } }

/* ---------------------------------------------------------- reveal */
.js [data-reveal] { opacity: 0; transform: translateY(26px); transition: opacity .9s var(--ease), transform .9s var(--ease); transition-delay: var(--d, 0s); }
.js [data-reveal].is-visible { opacity: 1; transform: none; }
.js [data-reveal="fade"] { transform: none; }
.js [data-reveal="scale"] { transform: scale(.94); }

/* ==========================================================================
   Services & Fees page
   ========================================================================== */

/* venn hero visual */
.venn { position: relative; width: min(440px, 100%); aspect-ratio: 1; margin-left: auto; }
.venn svg { width: 100%; height: 100%; overflow: visible; }
.venn .ring { fill-opacity: .14; stroke-width: 1.5; transform-origin: 220px 220px; }
.venn .ring-plan { fill: #4fc3d9; stroke: #8adde8; animation: orbit1 14s ease-in-out infinite; }
.venn .ring-invest { fill: #2e6fa8; stroke: #6aa5da; animation: orbit2 16s ease-in-out infinite; }
.venn .ring-tax { fill: #e8743b; stroke: #f2925f; animation: orbit3 18s ease-in-out infinite; }
@keyframes orbit1 { 50% { transform: translate(-6px, -8px); } }
@keyframes orbit2 { 50% { transform: translate(8px, 4px); } }
@keyframes orbit3 { 50% { transform: translate(-4px, 8px); } }
.venn-label { position: absolute; display: flex; align-items: center; gap: 8px; padding: 8px 14px; border-radius: 999px; font-weight: 700; font-size: .9rem; background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.2); backdrop-filter: blur(10px); white-space: nowrap; }
.venn-label .icon { width: 18px; height: 18px; }
.venn-label.l1 { left: 4%; top: 6%; color: var(--glacier-300); }
.venn-label.l2 { right: 0; top: 30%; color: #a9cdf0; }
.venn-label.l3 { left: 12%; bottom: 8%; color: var(--copper-400); }
.venn-core { position: absolute; left: 50%; top: 52%; transform: translate(-50%, -50%); width: 30%; aspect-ratio: 1; border-radius: 50%; display: grid; place-items: center; text-align: center; background: radial-gradient(circle at 30% 30%, #ffffff, #dff5f8); color: var(--ink-900); box-shadow: 0 0 0 10px rgba(255,255,255,.06), 0 0 60px rgba(110,231,183,.45); }
.venn-core strong { display: block; font-family: var(--font-display); font-size: clamp(1rem, 2.2vw, 1.35rem); line-height: 1.1; }
.venn-core span { font-size: .82rem; font-weight: 700; color: var(--text-2); }
@media (max-width: 900px) { .venn { margin: 10px auto 0; width: min(360px, 100%); } }

/* three pillars */
.pillar { display: flex; flex-direction: column; padding: 0; }
.pillar-art { position: relative; height: 190px; overflow: hidden; background: linear-gradient(160deg, var(--ink-900), var(--ink-700)); }
.pillar-art svg { position: absolute; inset: 0; width: 100%; height: 100%; }
.pillar-body { padding: 28px 30px 32px; }
.pillar-tag { display: inline-block; font-size: .85rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: var(--copper-text); margin-bottom: 8px; }
.pillar h3 { font-family: var(--font-display); font-weight: 500; font-size: 1.6rem; }
.pillar .text-link { margin-top: 14px; }
.draw .ln { stroke-dasharray: 1; stroke-dashoffset: 1; transition: stroke-dashoffset 2.2s var(--ease); transition-delay: var(--dd, .2s); }
.is-visible .draw .ln, .is-visible.draw .ln { stroke-dashoffset: 0; }
.no-js .draw .ln { stroke-dashoffset: 0; }
@media (prefers-reduced-motion: reduce) { .draw .ln { stroke-dashoffset: 0; } }

/* income flow diagram */
.flow { display: grid; grid-template-columns: minmax(0, 1fr) 90px minmax(0, .8fr) 90px minmax(0, 1fr); align-items: center; gap: 0; }
.flow-sources { display: grid; gap: 10px; }
.flow-src { display: flex; align-items: center; gap: 12px; padding: 12px 16px; border-radius: 14px; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); font-weight: 700; font-size: .95rem; }
.flow-src .icon { color: var(--glacier-300); width: 20px; height: 20px; }
.flow-src small { margin-left: auto; font-weight: 600; color: rgba(255,255,255,.68); font-size: .85rem; }
.flow-pipe { position: relative; height: 4px; border-radius: 4px; background: rgba(255,255,255,.08); overflow: hidden; }
.flow-pipe::after { content: ""; position: absolute; inset: 0; background: repeating-linear-gradient(90deg, transparent 0 10px, var(--aurora-400) 10px 22px); animation: flowX 1.2s linear infinite; opacity: .9; }
@keyframes flowX { from { transform: translateX(-32px); } to { transform: translateX(0); } }
.flow-hub {
  position: relative; aspect-ratio: 1; max-width: 220px; margin: 0 auto; border-radius: 50%; display: grid; place-items: center; text-align: center; padding: 22px;
  background: radial-gradient(circle at 35% 30%, rgba(79,195,217,.35), rgba(16,40,74,.9) 70%);
  border: 1px solid rgba(138,221,232,.35);
  box-shadow: 0 0 0 14px rgba(79,195,217,.06), 0 0 0 28px rgba(79,195,217,.03), 0 0 80px rgba(79,195,217,.25);
}
.flow-hub::before { content: ""; position: absolute; inset: -14px; border-radius: 50%; border: 1px dashed rgba(138,221,232,.35); animation: spin 30s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
.flow-hub strong { display: block; font-family: var(--font-display); font-size: 1.35rem; font-weight: 500; line-height: 1.15; }
.flow-hub span { font-size: .8rem; color: rgba(255,255,255,.7); }
.flow-hub .icon { width: 30px; height: 30px; color: var(--aurora-400); margin: 0 auto 8px; }
.paycheck {
  position: relative; padding: 22px; border-radius: 22px; background: var(--white); color: var(--ink-900); box-shadow: 0 30px 60px -20px rgba(0,0,0,.5);
}
.paycheck-head { display: flex; align-items: center; gap: 10px; font-weight: 800; margin-bottom: 14px; }
.paycheck-head .icon { color: var(--fjord-500); }
.paycheck-months { display: grid; grid-template-columns: repeat(6, 1fr); gap: 6px; margin-bottom: 14px; }
.paycheck-months span { aspect-ratio: 1; border-radius: 8px; display: grid; place-items: center; font-size: .66rem; font-weight: 800; color: var(--text-3); background: var(--paper); }
.paycheck-months span.on { background: linear-gradient(135deg, var(--glacier-400), var(--aurora-400)); color: var(--ink-950); animation: popIn .5s var(--ease) both; animation-delay: calc(var(--i) * .12s + .4s); }
@keyframes popIn { from { transform: scale(.5); opacity: 0; } }
.paycheck p { margin: 0; font-size: .9rem; color: var(--text-2) !important; }
.paycheck p strong { color: var(--ink-900); }
@media (max-width: 980px) {
  .flow { grid-template-columns: 1fr; gap: 0; }
  .flow-pipe { width: 4px; height: 56px; margin: 6px auto; }
  .flow-pipe::after { background: repeating-linear-gradient(180deg, transparent 0 10px, var(--aurora-400) 10px 22px); animation: flowY 1.2s linear infinite; }
  .flow-hub { max-width: 200px; }
}
@keyframes flowY { from { transform: translateY(-32px); } to { transform: translateY(0); } }

/* icon tiles (topics) */
.tiles { display: grid; grid-template-columns: repeat(auto-fill, minmax(250px, 1fr)); gap: 14px; }
.tile { display: grid; grid-template-columns: 46px 1fr; gap: 14px; align-items: start; padding: 18px; border-radius: 18px; background: var(--white); border: 1px solid var(--line); transition: transform .4s var(--ease), box-shadow .4s var(--ease), border-color .3s; }
.tile:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: rgba(34,166,195,.35); }
.tile-icon { width: 46px; height: 46px; border-radius: 13px; display: grid; place-items: center; color: var(--fjord-500); background: linear-gradient(135deg, var(--glacier-100), #eaf2fb); }
.tile-icon .icon { width: 23px; height: 23px; }
.tile strong { display: block; font-size: 1rem; margin-bottom: 2px; }
.tile span { display: block; font-size: .97rem; color: var(--text-2); line-height: 1.45; }
.section-dark .tile { background: rgba(255,255,255,.05); border-color: rgba(255,255,255,.1); }
.section-dark .tile span { color: rgba(255,255,255,.66); }
.section-dark .tile-icon { background: rgba(79,195,217,.12); color: var(--glacier-300); }

/* tax window chart */
.taxwin { position: relative; padding: clamp(22px, 3vw, 34px); border-radius: var(--radius-lg); background: var(--white); border: 1px solid var(--line); box-shadow: var(--shadow); }
.taxwin-chart { position: relative; display: grid; grid-template-columns: repeat(12, 1fr); gap: 6px; align-items: end; height: 240px; padding-top: 30px; }
.taxwin-bar { position: relative; display: flex; flex-direction: column-reverse; border-radius: 8px 8px 4px 4px; overflow: hidden; height: 100%; }
.taxwin-bar i { display: block; width: 100%; height: 0; transition: height 1.3s var(--ease); transition-delay: calc(var(--i) * 70ms); }
.is-visible .taxwin-bar i { height: var(--h); }
.taxwin-bar .base { background: #b7c4d4; }
.taxwin-bar .roth { background: linear-gradient(180deg, var(--copper-400), var(--copper-500)); }
.taxwin-bar .ss { background: #7c93ad; }
.taxwin-bar .rmd { background: #5c7590; }
.taxwin-bar.work .base { background: #8a9db3; }
.taxwin-target { position: absolute; left: 0; right: 0; bottom: 52%; border-top: 2px dashed var(--glacier-500); }
.taxwin-target span { position: absolute; right: 0; top: -28px; font-size: .82rem; font-weight: 800; color: var(--teal-text); background: var(--white); padding: 2px 6px; border-radius: 6px; }
.taxwin-window { position: absolute; top: 0; bottom: 0; left: calc(100% / 12 * 4 - 3px); width: calc(100% / 12 * 4 + 2px); border-radius: 14px; background: linear-gradient(180deg, rgba(110,231,183,.18), rgba(79,195,217,.08)); border: 1.5px solid rgba(34,166,195,.35); pointer-events: none; }
.taxwin-window span { position: absolute; left: 50%; top: 6px; transform: translateX(-50%); white-space: nowrap; font-size: .8rem; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; color: var(--teal-text); }
.taxwin-axis { display: grid; grid-template-columns: 4fr 4fr 4fr; margin-top: 12px; font-size: .82rem; font-weight: 700; color: var(--text-2); text-align: center; }
.taxwin-axis span { padding-top: 10px; border-top: 2px solid var(--line-2); margin: 0 4px; }
.taxwin-axis span:nth-child(2) { border-color: var(--glacier-500); color: #0d6275; }
.legend { display: flex; flex-wrap: wrap; gap: 8px 18px; margin-top: 18px; font-size: .92rem; color: var(--text-2); }
.legend span { display: inline-flex; align-items: center; gap: 8px; }
.legend i { width: 14px; height: 14px; border-radius: 4px; display: inline-block; }
@media (max-width: 600px) { .taxwin-chart { height: 200px; gap: 3px; } .taxwin-window span { font-size: .62rem; } }

/* process timeline */
.process { position: relative; display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 18px; counter-reset: step; }
.process::before { content: ""; position: absolute; left: 6%; right: 6%; top: 31px; height: 2px; background: var(--line-2); }
.process-fill { position: absolute; left: 6%; top: 31px; height: 2px; width: 0; max-width: 88%; background: linear-gradient(90deg, var(--glacier-400), var(--aurora-400), var(--copper-400)); transition: width 2.4s var(--ease); }
.is-visible .process-fill, .process.is-visible .process-fill { width: 88%; }
.step { position: relative; text-align: center; padding: 0 6px; }
.step-dot { position: relative; z-index: 1; width: 64px; height: 64px; margin: 0 auto 18px; border-radius: 50%; display: grid; place-items: center; background: var(--white); border: 1.5px solid var(--line-2); color: var(--fjord-500); box-shadow: var(--shadow-sm); transition: all .6s var(--ease); }
.step-dot .icon { width: 26px; height: 26px; }
.is-visible .step-dot { border-color: var(--glacier-400); box-shadow: 0 0 0 6px rgba(79,195,217,.12); }
.step-num { font-size: .82rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--copper-text); }
.step h3 { font-size: 1.08rem; margin: 6px 0; }
.step p { font-size: 1rem; color: var(--text-2); margin: 0; }
@media (max-width: 900px) {
  .process { grid-template-columns: 1fr; gap: 0; }
  .process::before, .process-fill { left: 31px; right: auto; top: 0; bottom: 0; width: 2px; height: auto; max-width: none; }
  .process-fill { height: 0; transition: height 2.4s var(--ease); }
  .is-visible .process-fill, .process.is-visible .process-fill { width: 2px; height: 100%; }
  .step { display: grid; grid-template-columns: 64px 1fr; gap: 18px; text-align: left; padding: 0 0 26px; }
  .step-dot { margin: 0; }
}

/* year wheel */
.year { position: relative; width: min(420px, 100%); aspect-ratio: 1; margin: 0 auto; }
.year svg { width: 100%; height: 100%; overflow: visible; }
.year-center { position: absolute; inset: 0; display: grid; place-items: center; text-align: center; pointer-events: none; }
.year-center strong { display: block; font-family: var(--font-display); font-size: clamp(1.6rem, 4vw, 2.2rem); font-weight: 500; line-height: 1; }
.year-center span { font-size: .85rem; color: var(--text-2); }
.year-legend { display: grid; gap: 12px; margin-top: 8px; }
.year-legend div { display: grid; grid-template-columns: 16px 1fr; gap: 12px; align-items: start; }
.year-legend i { width: 16px; height: 16px; border-radius: 50%; margin-top: 4px; }
.year-legend strong { display: block; }
.year-legend span { color: var(--text-2); font-size: .95rem; }

/* fit */
.fit-card { padding: clamp(28px, 4vw, 44px); border-radius: var(--radius-lg); background: var(--white); border: 1px solid var(--line); box-shadow: var(--shadow); }
.fit-card h3 { font-family: var(--font-display); font-weight: 500; font-size: 1.6rem; }
.fit-profile { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-bottom: 26px; }
.fit-profile div { padding: 16px; border-radius: 16px; background: var(--paper); text-align: center; }
.fit-profile strong { display: block; font-family: var(--font-display); font-size: 1.5rem; font-weight: 500; line-height: 1.1; color: var(--ink-800); }
.fit-profile span { font-size: .9rem; color: var(--text-2); }
@media (max-width: 560px) { .fit-profile { grid-template-columns: 1fr; } }

/* pricing */
.price-wrap { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: 26px; align-items: stretch; }
@media (max-width: 960px) { .price-wrap { grid-template-columns: 1fr; } }
.price-card {
  position: relative; overflow: hidden; isolation: isolate; padding: clamp(30px, 4vw, 44px); border-radius: 32px;
  background: linear-gradient(160deg, #0f2747, #0a1a2f 60%); color: var(--white);
  border: 1px solid rgba(138,221,232,.25); box-shadow: var(--shadow-lg);
}
.price-card::before { content: ""; position: absolute; inset: -1px; z-index: -1; background: conic-gradient(from 200deg at 80% 0%, rgba(79,195,217,.4), transparent 30%, transparent 70%, rgba(232,116,59,.35)); opacity: .6; }
.price-card::after { content: ""; position: absolute; inset: 1px; z-index: -1; border-radius: 31px; background: linear-gradient(160deg, #0f2747, #0a1a2f 60%); }
.price-label { font-size: .8rem; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; color: var(--glacier-300); }
.price { display: flex; align-items: baseline; gap: 10px; margin: 12px 0 4px; }
.price strong { font-family: var(--font-display); font-weight: 500; font-size: clamp(3.4rem, 7vw, 4.8rem); line-height: 1; letter-spacing: -.03em; }
.price span { font-size: 1.1rem; color: rgba(255,255,255,.7); }
.price-sub { color: rgba(255,255,255,.75); margin-bottom: 24px; }
.price-card .check-list { margin-bottom: 26px; }
.price-card .check-list li { font-weight: 600; }
.price-note { font-size: .88rem; color: rgba(255,255,255,.62); border-top: 1px dashed rgba(255,255,255,.18); padding-top: 18px; margin: 0; }

.calc { padding: clamp(26px, 4vw, 40px); border-radius: 32px; background: var(--white); border: 1px solid var(--line); box-shadow: var(--shadow); }
.calc h3 { font-family: var(--font-display); font-weight: 500; font-size: 1.6rem; margin-bottom: 6px; }
.calc-intro { color: var(--text-2); }
.calc-field { margin: 22px 0 8px; }
.calc-field label { display: flex; justify-content: space-between; align-items: baseline; font-weight: 700; margin-bottom: 12px; }
.calc-field output { font-family: var(--font-display); font-size: 1.8rem; font-weight: 600; color: var(--ink-800); }
input[type="range"] { -webkit-appearance: none; appearance: none; width: 100%; height: 10px; border-radius: 10px; background: linear-gradient(90deg, var(--glacier-500) 0%, var(--aurora-400) var(--p, 25%), var(--paper-2) var(--p, 25%)); outline: none; cursor: pointer; }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 30px; height: 30px; border-radius: 50%; background: var(--white); border: 3px solid var(--ink-900); box-shadow: 0 4px 14px rgba(10,26,47,.3); transition: transform .2s; }
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.12); }
input[type="range"]::-moz-range-thumb { width: 26px; height: 26px; border-radius: 50%; background: var(--white); border: 3px solid var(--ink-900); box-shadow: 0 4px 14px rgba(10,26,47,.3); }
.calc-scale { display: flex; justify-content: space-between; font-size: .88rem; color: var(--text-3); margin-top: 8px; }
.seg { display: inline-flex; padding: 4px; border-radius: 999px; background: var(--paper); border: 1px solid var(--line); margin: 6px 0 22px; }
.seg button { border: 0; background: transparent; padding: 8px 14px; border-radius: 999px; font-weight: 700; font-size: .9rem; cursor: pointer; color: var(--text-2); }
.seg button[aria-pressed="true"] { background: var(--ink-900); color: var(--white); }
.calc-results { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 22px; }
.calc-result { padding: 18px; border-radius: 18px; background: var(--paper); }
.calc-result span { display: block; font-size: .82rem; font-weight: 700; color: var(--text-2); }
.calc-result strong { display: block; font-family: var(--font-display); font-size: 1.7rem; font-weight: 600; line-height: 1.2; }
.calc-result.hl { background: linear-gradient(135deg, rgba(79,195,217,.16), rgba(110,231,183,.16)); }
.calc-result.hl strong { color: #0d6275; }
.calc-note { font-size: .88rem; color: var(--text-3); margin-top: 16px; }
.calc-warn { display: none; margin-top: 14px; padding: 12px 14px; border-radius: 12px; background: var(--copper-100); color: #7a3410; font-size: .88rem; font-weight: 600; }
.calc-warn.show { display: block; }
@media (max-width: 480px) { .calc-results { grid-template-columns: 1fr; } }

.why-flat { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; margin-top: 26px; }
@media (max-width: 860px) { .why-flat { grid-template-columns: 1fr; } }

.custody { display: grid; grid-template-columns: auto 1fr; gap: 24px; align-items: center; padding: clamp(24px, 3vw, 36px); border-radius: var(--radius-lg); background: linear-gradient(135deg, #f0f7fb, var(--white)); border: 1px solid var(--line); }
.custody-icon { width: 76px; height: 76px; border-radius: 22px; display: grid; place-items: center; background: var(--ink-900); color: var(--aurora-400); box-shadow: 0 16px 30px -10px rgba(10,26,47,.5); }
.custody-icon .icon { width: 36px; height: 36px; }
.custody h3 { font-size: 1.25rem; margin-bottom: 6px; }
.custody ul { margin: 10px 0 0; padding: 0; list-style: none; display: flex; flex-wrap: wrap; gap: 8px 22px; color: var(--text-2); font-size: .95rem; }
.custody li { display: inline-flex; align-items: center; gap: 8px; }
.custody li .icon { color: #0d6275; width: 18px; height: 18px; }
@media (max-width: 640px) { .custody { grid-template-columns: 1fr; } }

.callout { display: grid; grid-template-columns: auto 1fr; gap: 18px; padding: 22px 24px; border-radius: 20px; background: var(--copper-100); border: 1px solid rgba(232,116,59,.2); }
.callout .icon { color: var(--copper-600); width: 28px; height: 28px; }
.callout p { margin: 0; color: #5c2a0f; }
.callout strong { color: #3f1c08; }

/* ==========================================================================
   Article (post) pages
   ========================================================================== */
.read-progress { position: fixed; top: 0; left: 0; right: 0; height: 3px; z-index: 200; pointer-events: none; }
.read-progress span { display: block; height: 100%; width: 100%; transform-origin: 0 50%; transform: scaleX(0); background: linear-gradient(90deg, var(--glacier-400), var(--aurora-400), var(--copper-400)); }
.post-hero { padding-bottom: clamp(140px, 14vw, 200px); }
.post-hero-inner { max-width: 900px; }
.post-title { max-width: 22ch; font-size: clamp(2.2rem, 5vw, 3.8rem); }
.byline { display: flex; align-items: center; gap: 14px; margin-top: 26px; }
.byline img { width: 48px; height: 48px; border-radius: 50%; object-fit: cover; border: 2px solid rgba(255,255,255,.3); }
.byline-name { display: block; font-weight: 700; color: var(--white); text-decoration: none; }
.byline-meta { font-size: .95rem; color: rgba(255,255,255,.78); }

.post-layout { display: grid; grid-template-columns: 270px minmax(0, 1fr); gap: clamp(32px, 5vw, 72px); padding-top: 20px; padding-bottom: 80px; align-items: start; }
.post-aside { position: sticky; top: calc(var(--header-h) + 24px); display: grid; gap: 24px; }
.toc-title { font-size: .85rem; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; color: var(--text-3); margin-bottom: 12px; }
.toc ol { list-style: none; padding: 0; margin: 0; border-left: 2px solid var(--line); }
.toc a { display: block; padding: 7px 0 7px 16px; margin-left: -2px; border-left: 2px solid transparent; font-size: .92rem; color: var(--text-2); text-decoration: none; line-height: 1.4; transition: color .2s, border-color .2s; }
.toc a:hover { color: var(--ink-900); }
.toc a.is-active { color: var(--ink-900); font-weight: 700; border-left-color: var(--glacier-500); }
.aside-cta { padding: 22px; border-radius: 20px; background: var(--ink-900); color: var(--white); }
.aside-cta p { font-size: .92rem; color: rgba(255,255,255,.75); }
.aside-cta p strong { color: var(--white); font-size: 1rem; }
.post-article { min-width: 0; max-width: 760px; }
.post-figure { margin: -90px 0 34px; position: relative; z-index: 3; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-lg); background: var(--paper-2); }
.post-figure img { width: 100%; aspect-ratio: 16 / 9; object-fit: cover; }
@media (max-width: 980px) {
  .post-layout { grid-template-columns: 1fr; }
  .post-aside { position: static; order: 2; }
  .post-aside .toc { display: none; }
}

.takeaways { position: relative; margin: 0 0 40px; padding: 26px 28px; border-radius: 22px; background: linear-gradient(135deg, rgba(79,195,217,.1), rgba(110,231,183,.1)); border: 1px solid rgba(34,166,195,.25); }
.takeaways-title { display: flex; align-items: center; gap: 8px; font-weight: 800; color: var(--teal-text); margin-bottom: 12px; font-size: .9rem; letter-spacing: .08em; text-transform: uppercase; }
.takeaways ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.takeaways li { position: relative; padding-left: 26px; color: var(--text); }
.takeaways li::before { content: ""; position: absolute; left: 4px; top: .62em; width: 9px; height: 9px; border-radius: 50%; background: linear-gradient(135deg, var(--glacier-500), var(--aurora-400)); }

.prose { font-size: 1.19rem; line-height: 1.78; color: #1f2d3e; }
.prose > p:first-child { font-size: 1.22rem; line-height: 1.7; color: var(--text); }
.prose h2 { font-size: clamp(1.6rem, 2.6vw, 2.05rem); font-weight: 500; margin: 1.9em 0 .55em; padding-top: .2em; position: relative; }
.prose h2::before { content: ""; display: block; width: 44px; height: 3px; border-radius: 3px; margin-bottom: 18px; background: linear-gradient(90deg, var(--glacier-500), var(--aurora-400)); }
.prose h3 { font-size: 1.25rem; margin: 1.6em 0 .5em; }
.prose a { color: var(--fjord-500); font-weight: 600; }
.prose ul, .prose ol { padding-left: 1.3em; }
.prose li { margin-bottom: .45em; }
.prose blockquote { margin: 1.6em 0; padding: 4px 0 4px 22px; border-left: 3px solid var(--copper-500); font-family: var(--font-display); font-size: 1.35rem; font-style: italic; color: var(--ink-800); }
.table-wrap { overflow-x: auto; margin: 1.2em 0 1.6em; border-radius: 16px; border: 1px solid var(--line); background: var(--white); }
.prose table { width: 100%; border-collapse: collapse; font-size: .98rem; line-height: 1.5; }
.prose th, .prose td { padding: 14px 18px; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
.prose th { background: var(--ink-900); color: var(--white); font-size: .82rem; letter-spacing: .06em; text-transform: uppercase; }
.prose tr:last-child td { border-bottom: 0; }
.prose tr.total td { background: var(--glacier-100); }
.stat-row { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; margin: 1.2em 0 1.6em; }
.stat { padding: 20px; border-radius: 18px; background: var(--white); border: 1px solid var(--line); }
.stat-num { display: block; font-family: var(--font-display); font-size: 2rem; font-weight: 600; line-height: 1.1; color: var(--ink-800); }
.stat-label { display: block; font-size: .95rem; color: var(--text-2); line-height: 1.4; margin-top: 6px; }
.stat-accent { background: var(--ink-900); border-color: var(--ink-900); }
.stat-accent .stat-num { color: var(--aurora-400); }
.stat-accent .stat-label { color: rgba(255,255,255,.75); }
@media (max-width: 640px) { .stat-row { grid-template-columns: 1fr; } }
.embed { margin: 1.4em 0; border-radius: 18px; overflow: hidden; border: 1px solid var(--line); background: var(--white); }

.post-faq { margin-top: 56px; }
.post-faq h2 { font-size: clamp(1.6rem, 2.6vw, 2.05rem); font-weight: 500; }
.author-card { display: grid; grid-template-columns: 96px 1fr; gap: 22px; margin-top: 56px; padding: 28px; border-radius: 24px; background: var(--white); border: 1px solid var(--line); }
.author-card img { width: 96px; height: 96px; border-radius: 50%; object-fit: cover; }
.author-name { font-weight: 800; font-size: 1.1rem; margin-bottom: 6px; }
.author-card p { color: var(--text-2); font-size: .97rem; }
@media (max-width: 560px) { .author-card { grid-template-columns: 1fr; } }
.disclosure { margin-top: 28px; font-size: .95rem; color: var(--text-3); }
.disclosure summary { cursor: pointer; font-weight: 700; color: var(--text-2); }
.disclosure p { margin-top: 12px; line-height: 1.6; }

/* ==========================================================================
   FAQ page
   ========================================================================== */
.faq-layout { display: grid; grid-template-columns: 260px minmax(0, 1fr); gap: clamp(32px, 5vw, 64px); align-items: start; }
.faq-nav { position: sticky; top: calc(var(--header-h) + 24px); display: grid; gap: 6px; }
.faq-nav a { display: flex; align-items: center; gap: 10px; padding: 12px 16px; border-radius: 14px; text-decoration: none; font-weight: 700; font-size: .95rem; color: var(--text-2); transition: background-color .2s, color .2s; }
.faq-nav a:hover { background: var(--white); color: var(--ink-900); }
.faq-nav a.is-active { background: var(--ink-900); color: var(--white); }
.faq-nav .icon { width: 20px; height: 20px; }
.faq-search { position: relative; margin-bottom: 40px; }
.faq-search input { width: 100%; height: 62px; padding: 0 22px 0 56px; border-radius: 999px; border: 1px solid var(--line-2); background: var(--white); font: inherit; font-size: 1.05rem; box-shadow: var(--shadow-sm); transition: border-color .2s, box-shadow .2s; }
.faq-search input:focus { outline: none; border-color: var(--glacier-500); box-shadow: 0 0 0 4px rgba(79,195,217,.18); }
.faq-search .icon { position: absolute; left: 22px; top: 50%; transform: translateY(-50%); color: var(--text-3); }
.faq-group { margin-bottom: 56px; }
.faq-group-head { display: flex; align-items: center; gap: 14px; margin-bottom: 8px; }
.faq-group-head .card-icon { margin: 0; width: 48px; height: 48px; }
.faq-group-head h2 { font-size: clamp(1.5rem, 2.6vw, 2rem); font-weight: 500; margin: 0; }
.faq-empty { display: none; padding: 30px; text-align: center; border-radius: 20px; background: var(--white); border: 1px dashed var(--line-2); color: var(--text-2); }
.faq-empty.show { display: block; }
@media (max-width: 900px) { .faq-layout { grid-template-columns: 1fr; } .faq-nav { position: static; grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .faq-nav { grid-template-columns: 1fr; } }

/* ==========================================================================
   About page
   ========================================================================== */
.about-hero { padding-bottom: clamp(160px, 18vw, 240px); }
.portrait { position: relative; width: min(420px, 100%); margin-left: auto; }
.portrait-img { position: relative; border-radius: 50% 50% 32px 32px / 42% 42% 32px 32px; overflow: hidden; aspect-ratio: 4 / 5; box-shadow: var(--shadow-lg); background: #c8cdd2; }
.portrait-img img { width: 100%; height: 100%; object-fit: cover; }
.portrait-ring { position: absolute; inset: -16px; border-radius: 50% 50% 40px 40px / 42% 42% 40px 40px; border: 1px solid rgba(138,221,232,.35); pointer-events: none; }
.portrait-badges { position: absolute; left: -26px; bottom: 34px; display: grid; gap: 8px; }
.portrait-badges > span { display: inline-flex; align-items: center; gap: 8px; padding: 9px 14px; border-radius: 999px; background: var(--white); color: var(--ink-900); font-weight: 800; font-size: .86rem; box-shadow: var(--shadow); width: max-content; }
.portrait-badges > span:nth-child(2) { margin-left: 22px; }
.portrait-badges > span:nth-child(3) { margin-left: 10px; }
.portrait-badges .icon { color: var(--copper-500); width: 16px; height: 16px; }
@media (max-width: 900px) { .portrait { margin: 10px auto 0; width: min(340px, 90%); } .portrait-badges { left: -10px; } }

.story { display: grid; grid-template-columns: 220px minmax(0, 1fr); gap: clamp(28px, 5vw, 70px); }
.story + .story { margin-top: clamp(48px, 7vw, 88px); }
.story-label { position: sticky; top: calc(var(--header-h) + 30px); align-self: start; }
.story-label .eyebrow { margin-bottom: 8px; }
.story-label h2 { font-size: clamp(1.6rem, 2.4vw, 2rem); font-weight: 500; }
.story-body { font-size: 1.19rem; line-height: 1.78; color: #1f2d3e; }
@media (max-width: 860px) { .story { grid-template-columns: 1fr; gap: 12px; } .story-label { position: static; } }
.pull { margin: 1.6em 0; padding: 26px 30px; border-radius: 24px; background: var(--ink-900); color: var(--white); font-family: var(--font-display); font-size: clamp(1.3rem, 2.2vw, 1.65rem); font-weight: 400; line-height: 1.4; position: relative; }
.pull .icon { color: var(--copper-400); width: 30px; height: 30px; margin-bottom: 12px; }
.pull em { color: var(--aurora-400); font-style: italic; }
.wordmark { display: grid; grid-template-columns: auto 1fr; gap: 26px; align-items: center; padding: clamp(26px, 4vw, 40px); border-radius: 28px; background: linear-gradient(135deg, #e9f2f8, var(--white)); border: 1px solid var(--line); margin: 1.6em 0; }
.wordmark-name { font-family: var(--font-display); font-size: clamp(2rem, 4.5vw, 3rem); font-weight: 600; line-height: 1; }
.wordmark-say { display: block; font-family: var(--font-body); font-size: 1rem; font-weight: 700; color: var(--copper-text); margin-top: 8px; letter-spacing: .04em; }
.wordmark p { margin: 0; color: var(--text-2); }
.wordmark-parts { display: flex; gap: 10px; margin-top: 14px; flex-wrap: wrap; }
.wordmark-parts span { display: inline-flex; align-items: center; gap: 8px; padding: 8px 12px; border-radius: 12px; background: var(--white); border: 1px solid var(--line); font-size: .88rem; font-weight: 600; color: var(--text-2); }
.wordmark-parts .icon { width: 18px; height: 18px; color: var(--fjord-500); }
@media (max-width: 640px) { .wordmark { grid-template-columns: 1fr; } }

.timeline { position: relative; display: grid; gap: 0; padding-left: 34px; }
.timeline::before { content: ""; position: absolute; left: 9px; top: 8px; bottom: 8px; width: 2px; background: linear-gradient(180deg, var(--glacier-400), var(--aurora-400), var(--copper-400)); border-radius: 2px; }
.tl-item { position: relative; padding-bottom: 28px; }
.tl-item::before { content: ""; position: absolute; left: -31px; top: 6px; width: 16px; height: 16px; border-radius: 50%; background: var(--ink-900); border: 3px solid var(--glacier-300); }
.tl-when { font-size: .85rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--glacier-300); }
.tl-item h3 { color: var(--white); font-size: 1.1rem; margin: 4px 0; }
.tl-item p { margin: 0; font-size: .95rem; }

.cred-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.cred-list a, .cred-list span { display: flex; align-items: center; gap: 12px; padding: 14px 16px; border-radius: 14px; background: var(--white); border: 1px solid var(--line); text-decoration: none; font-weight: 600; transition: border-color .2s, transform .3s var(--ease); }
.cred-list a:hover { border-color: var(--glacier-500); transform: translateX(4px); }
.cred-list .icon { color: var(--fjord-500); width: 20px; height: 20px; }
.cred-list .ext { margin-left: auto; color: var(--text-3); width: 16px; height: 16px; }

/* ==========================================================================
   Guide page
   ========================================================================== */
.guide-nav { position: sticky; top: var(--header-h); z-index: 50; background: rgba(247,245,240,.9); backdrop-filter: blur(14px); border-bottom: 1px solid var(--line); }
.guide-nav-inner { display: flex; gap: 6px; overflow-x: auto; padding: 12px 0; scrollbar-width: none; }
.guide-nav-inner::-webkit-scrollbar { display: none; }
.guide-nav a { flex: none; display: inline-flex; align-items: center; gap: 8px; padding: 8px 14px; border-radius: 999px; font-size: .95rem; font-weight: 700; text-decoration: none; color: var(--text-2); transition: background-color .2s, color .2s; }
.guide-nav a b { display: inline-grid; place-items: center; width: 22px; height: 22px; border-radius: 50%; font-size: .74rem; background: var(--paper-2); color: var(--text-2); }
.guide-nav a.is-active { background: var(--ink-900); color: var(--white); }
.guide-nav a.is-active b { background: var(--aurora-400); color: var(--ink-950); }
.chain { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 0; counter-reset: c; }
.chain-item { position: relative; padding: 24px; border-radius: 20px; background: var(--white); border: 1px solid var(--line); margin-right: 26px; }
.chain-item:not(:last-child)::after { content: ""; position: absolute; right: -26px; top: 50%; width: 26px; height: 2px; background: linear-gradient(90deg, var(--glacier-500), var(--aurora-400)); }
.chain-item:last-child { margin-right: 0; }
.chain-item b { display: inline-grid; place-items: center; width: 34px; height: 34px; border-radius: 50%; background: var(--ink-900); color: var(--aurora-400); font-family: var(--font-display); margin-bottom: 12px; }
.chain-item p { margin: 0; font-weight: 700; line-height: 1.35; }
@media (max-width: 900px) { .chain { grid-template-columns: 1fr 1fr; gap: 16px; } .chain-item { margin: 0; } .chain-item::after { display: none; } }
@media (max-width: 480px) { .chain { grid-template-columns: 1fr; } }
.decision { display: grid; grid-template-columns: 120px minmax(0, 1fr); gap: clamp(24px, 4vw, 56px); padding: clamp(48px, 7vw, 88px) 0; border-top: 1px solid var(--line-2); }
.decision:first-child { border-top: 0; }
.decision-num { position: sticky; top: calc(var(--header-h) + 80px); align-self: start; font-family: var(--font-display); font-size: clamp(4rem, 9vw, 7rem); line-height: .85; font-weight: 300; color: transparent; -webkit-text-stroke: 1.5px var(--glacier-500); }
.decision h2 { font-size: clamp(1.7rem, 3.2vw, 2.5rem); font-weight: 500; max-width: 24ch; }
.decision-body { font-size: 1.08rem; color: #1f2d3e; }
.decision-body > p { max-width: 720px; }
.sub-head { font-size: .85rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--text-3); margin: 30px 0 14px; }
.connects { display: grid; grid-template-columns: auto 1fr; gap: 14px; margin-top: 30px; padding: 20px 22px; border-radius: 18px; background: var(--ink-900); color: rgba(255,255,255,.82); font-size: .98rem; }
.connects .icon { color: var(--aurora-400); }
.connects strong { color: var(--white); display: block; margin-bottom: 2px; }
.interlude { margin: 10px 0; padding: clamp(32px, 5vw, 56px); border-radius: 32px; background: linear-gradient(135deg, var(--ink-900), var(--ink-700)); color: var(--white); display: grid; grid-template-columns: 1fr auto; gap: 26px; align-items: center; position: relative; overflow: hidden; isolation: isolate; }
.interlude .aurora { z-index: -1; }
.interlude h3 { font-family: var(--font-display); font-weight: 500; font-size: clamp(1.5rem, 3vw, 2.2rem); color: var(--white); margin-bottom: 8px; }
.interlude p { margin: 0; color: rgba(255,255,255,.75); max-width: 620px; }
@media (max-width: 800px) { .decision { grid-template-columns: 1fr; } .decision-num { position: static; font-size: 4rem; } .interlude { grid-template-columns: 1fr; } }
.risk-group { margin-top: 26px; }
.risk-group h3 { font-size: 1.05rem; display: flex; align-items: center; gap: 10px; }
.risk-group h3 .icon { color: var(--copper-500); }
.risk-q { list-style: none; padding: 0; margin: 10px 0 0; display: grid; gap: 6px; }
.risk-q li { position: relative; padding-left: 22px; font-size: .97rem; }
.risk-q li::before { content: "?"; position: absolute; left: 0; top: 1px; width: 16px; height: 16px; border-radius: 50%; display: grid; place-items: center; font-size: .66rem; font-weight: 800; background: var(--glacier-100); color: #0d6275; }
.checklist-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(230px, 1fr)); gap: 10px; }
.checklist-grid label { display: flex; align-items: center; gap: 12px; padding: 14px 16px; border-radius: 14px; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); cursor: pointer; font-weight: 600; transition: background-color .2s, border-color .2s; }
.checklist-grid label:hover { background: rgba(255,255,255,.1); }
.checklist-grid input { appearance: none; -webkit-appearance: none; flex: none; width: 22px; height: 22px; border-radius: 7px; border: 1.5px solid rgba(255,255,255,.4); display: grid; place-items: center; cursor: pointer; margin: 0; transition: all .2s; }
.checklist-grid input:checked { background: var(--aurora-400); border-color: var(--aurora-400); }
.checklist-grid input:checked::after { content: ""; width: 6px; height: 11px; border: solid var(--ink-950); border-width: 0 2.5px 2.5px 0; transform: rotate(45deg) translate(-1px, -1px); }
.checklist-grid input:checked + span { color: var(--aurora-400); }
.check-progress { display: flex; align-items: center; gap: 14px; margin-bottom: 22px; font-weight: 700; }
.check-progress .bar { flex: 1; height: 8px; border-radius: 8px; background: rgba(255,255,255,.1); overflow: hidden; }
.check-progress .bar span { display: block; height: 100%; width: 0; border-radius: 8px; background: linear-gradient(90deg, var(--glacier-400), var(--aurora-400)); transition: width .5s var(--ease); }

/* ==========================================================================
   Media page
   ========================================================================== */
.media-list { display: grid; gap: 22px; }
.media-item { display: grid; grid-template-columns: 200px minmax(0, 1fr); gap: 30px; align-items: start; padding: clamp(24px, 3vw, 34px); border-radius: var(--radius-lg); background: var(--white); border: 1px solid var(--line); transition: transform .45s var(--ease), box-shadow .45s var(--ease); }
.media-item:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.media-logo { display: grid; place-items: center; height: 110px; padding: 18px; border-radius: 18px; background: var(--paper); }
.media-logo img { max-height: 60px; width: auto; mix-blend-mode: multiply; }
.media-date { font-size: .92rem; font-weight: 700; color: var(--text-3); }
.media-item h2 { font-family: var(--font-display); font-weight: 500; font-size: clamp(1.3rem, 2.2vw, 1.65rem); margin: 6px 0 10px; }
.media-item p { color: var(--text-2); }
.media-topics { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 16px; }
.media-links { display: flex; flex-wrap: wrap; gap: 10px 18px; align-items: center; font-size: .9rem; }
.media-links .also { color: var(--text-3); }
.media-links .also a { color: var(--text-2); }
@media (max-width: 700px) { .media-item { grid-template-columns: 1fr; gap: 16px; } .media-logo { height: 90px; justify-content: start; } }

/* ==========================================================================
   Contact page
   ========================================================================== */
.contact-grid { display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(0, .7fr); gap: 28px; align-items: start; }
@media (max-width: 960px) { .contact-grid { grid-template-columns: 1fr; } }
.scheduler { border-radius: var(--radius-lg); background: var(--white); border: 1px solid var(--line); box-shadow: var(--shadow); overflow: hidden; margin-top: -120px; position: relative; z-index: 3; }
.scheduler-head { padding: 22px 26px; border-bottom: 1px solid var(--line); display: flex; align-items: center; gap: 14px; }
.scheduler-head .card-icon { margin: 0; width: 48px; height: 48px; }
.scheduler-head h2 { font-family: var(--font-body); font-size: 1.15rem; font-weight: 800; margin: 0; }
.scheduler-head p { margin: 0; font-size: .9rem; color: var(--text-2); }
.calendly-inline-widget { min-width: 320px; height: 720px; }
.scheduler-fallback { padding: 40px 26px; text-align: center; }
.contact-cards { display: grid; gap: 14px; }
.contact-card { display: grid; grid-template-columns: 48px 1fr; gap: 14px; align-items: start; padding: 20px; border-radius: 20px; background: var(--white); border: 1px solid var(--line); text-decoration: none; transition: transform .35s var(--ease), border-color .2s; }
a.contact-card:hover { transform: translateY(-3px); border-color: var(--glacier-500); }
.contact-card .card-icon { margin: 0; width: 48px; height: 48px; }
.contact-card strong { display: block; }
.contact-card span { color: var(--text-2); font-size: .95rem; }
.form { display: grid; gap: 16px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 560px) { .form-row { grid-template-columns: 1fr; } }
.field label { display: block; font-weight: 700; font-size: .9rem; margin-bottom: 6px; }
.field input, .field textarea, .field select { width: 100%; padding: 14px 16px; border-radius: 14px; border: 1px solid var(--line-2); background: var(--white); font: inherit; color: var(--text); transition: border-color .2s, box-shadow .2s; }
.field textarea { min-height: 140px; resize: vertical; }
.field input:focus, .field textarea:focus, .field select:focus { outline: none; border-color: var(--glacier-500); box-shadow: 0 0 0 4px rgba(79,195,217,.18); }
.form-status { display: none; padding: 14px 16px; border-radius: 14px; font-weight: 600; }
.form-status.ok { display: block; background: #dcfce7; color: #14532d; }
.form-status.err { display: block; background: var(--copper-100); color: #7a3410; }
.hp { position: absolute; left: -9999px; }
.meet-opts { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 18px; }
.meet-opts span { display: inline-flex; align-items: center; gap: 8px; padding: 8px 14px; border-radius: 999px; background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.16); font-weight: 600; font-size: .9rem; }
.meet-opts .icon { width: 18px; height: 18px; color: var(--glacier-300); }

/* ==========================================================================
   Legal pages, 404
   ========================================================================== */
.legal { max-width: 820px; }
.legal h2 { font-family: var(--font-body); font-size: 1.25rem; font-weight: 800; margin-top: 2em; }
.legal p, .legal li { color: #263446; }
.legal-meta { padding: 20px 24px; border-radius: 18px; background: var(--white); border: 1px solid var(--line); margin-bottom: 30px; font-size: .95rem; }
.legal-meta p { margin: 0; }
.notfound { min-height: 100vh; display: grid; place-items: center; text-align: center; }
.notfound .page-title { margin-left: auto; margin-right: auto; }
.notfound .hero-actions { justify-content: center; }

/* ==========================================================================
   Motion preferences
   ========================================================================== */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; }
  .js [data-reveal] { opacity: 1; transform: none; }
  .marquee-track { animation: none; flex-wrap: wrap; justify-content: center; width: auto; }
  .marquee-track [aria-hidden="true"] { display: none; }
}

@media print {
  .site-header, .site-footer, .cta-band, .post-aside, .read-progress, .fjord, .aurora { display: none !important; }
  .page-hero { background: none; color: #000; padding: 20px 0; }
  .page-hero .lede, .crumbs { color: #333; }
}

/* home: difference section */
.nowrap { white-space: nowrap; }
.diff-split { grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); align-items: start; }
.diff-split .grid-2 { gap: 16px; }
.diff-split .cred-card { padding: 26px; }
@media (max-width: 1100px) and (min-width: 901px) { .diff-split { grid-template-columns: 1fr; } .diff-split .grid-2 { grid-template-columns: repeat(4, minmax(0, 1fr)); } }
@media (max-width: 900px) { .diff-split { grid-template-columns: 1fr; } }
@media (max-width: 520px) { .diff-split .grid-2 { grid-template-columns: 1fr; } }

/* registered-mark superscript (added automatically at build time).
   Uses the body font: its circled mark is cleaner than the display serif's. */
sup.reg { font-family: var(--font-body); font-style: normal; font-weight: 600; font-size: .6em; line-height: 0; vertical-align: 0; position: relative; top: -.62em; margin-left: .06em; margin-right: .02em; letter-spacing: 0; }
h1 sup.reg, h2 sup.reg { font-size: .34em; font-weight: 500; top: -1.45em; margin-left: .06em; margin-right: -.06em; }
.cred-badge sup.reg { font-size: .34em; font-weight: 500; top: -1.5em; }

/* hero content animates in with CSS alone (no JS dependency = faster LCP) */
.js .page-hero [data-reveal] { opacity: 1; transform: none; transition: none; animation: heroIn 1s var(--ease) both; animation-delay: var(--d, 0s); }
@keyframes heroIn { from { opacity: 0; transform: translateY(22px); } }
.guide-nav { transition: top .4s var(--ease); }
body:has(.site-header.is-hidden) .guide-nav { top: 0; }
/* text wrapper around ® marks: always plain inline text, never styled as a pill/flex item */
.rt { display: inline !important; padding: 0 !important; margin: 0 !important; background: none !important; border: 0 !important; box-shadow: none !important; width: auto !important; }

/* ==========================================================================
   v2 — simplified layout: four areas, calmer motion, lighter mobile
   ========================================================================== */

/* hero credentials row */
.hero-creds { display: flex; flex-wrap: wrap; gap: 10px; list-style: none; padding: 0; margin: 30px 0 0; }
.hero-creds li { padding: 8px 18px; border-radius: 999px; border: 1px solid rgba(255,255,255,.28); background: rgba(255,255,255,.06); color: var(--white); font-weight: 800; font-size: 1.05rem; letter-spacing: .05em; }
.home-hero { min-height: 0; }
.home-hero .page-title { max-width: 15ch; }

/* four credentials / four areas */
.areas { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 20px; }
@media (max-width: 1060px) { .areas { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 600px) { .areas { grid-template-columns: 1fr; gap: 14px; } }
.area { position: relative; display: flex; flex-direction: column; padding: 30px 26px 26px; border-radius: 24px; background: var(--paper); border: 1px solid var(--line); text-decoration: none; color: inherit; transition: transform .3s var(--ease), box-shadow .3s var(--ease), border-color .3s; }
.section:not(.section-white) .area { background: var(--white); }
.area:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: rgba(10,90,107,.35); }
.area-cred { font-family: var(--font-display); font-size: 2.3rem; font-weight: 600; line-height: 1; color: var(--ink-800); }
.area-icon { position: absolute; top: 26px; right: 24px; width: 46px; height: 46px; border-radius: 14px; display: grid; place-items: center; background: var(--glacier-100); color: var(--teal-text); }
.area-icon .icon { width: 24px; height: 24px; }
.area-title { font-size: 1.3rem; margin: 18px 0 8px; }
.area p { color: var(--text-2); margin: 0 0 18px; flex: 1; }
.area-more { display: inline-flex; align-items: center; gap: 6px; font-weight: 700; color: var(--fjord-500); }

/* simple flat-fee block (home) */
.fee-simple { max-width: 760px; margin: 0 auto; text-align: center; }
.fee-simple .eyebrow { justify-content: center; }
.fee-simple-price { margin: 10px 0 0; }
.fee-simple-price strong { display: block; font-family: var(--font-display); font-weight: 600; font-size: clamp(3.4rem, 9vw, 5rem); line-height: 1; color: var(--white); }
.fee-simple-price span { display: block; margin-top: 8px; font-size: 1.15rem; color: rgba(255,255,255,.82); }
.section-dark .fee-simple-compare { font-size: 1.3rem; line-height: 1.5; margin: 26px 0; color: rgba(255,255,255,.88); }
.fee-simple-compare strong { color: var(--white); }
.fee-simple-no { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px 26px; margin: 0 0 32px; padding: 0; list-style: none; }
.section-dark .fee-simple-no li { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; color: var(--white); }
.fee-simple-no .icon { width: 22px; height: 22px; color: var(--aurora-400); }
.section-dark .fee-simple-note { font-size: .92rem; color: rgba(255,255,255,.66); margin: 28px auto 0; max-width: 620px; }

/* retirement specialist (home) */
.specialist { grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); }
.specialist-photo img { width: 100%; max-width: 440px; aspect-ratio: 1; object-fit: cover; border-radius: 32px; box-shadow: var(--shadow-lg); }
.trust-line { font-weight: 700; color: var(--teal-text); margin: 0 0 26px; }
@media (max-width: 900px) { .specialist { grid-template-columns: 1fr; } .specialist-photo img { max-width: 260px; border-radius: 24px; } }

/* still "as seen in" logos */
.press-static { padding: 0 0 clamp(56px, 7vw, 88px); }
.press-logos { display: flex; flex-wrap: wrap; justify-content: center; align-items: center; gap: 22px 44px; text-decoration: none; }
.press-logos img { height: 34px; width: auto; filter: grayscale(1); opacity: .75; mix-blend-mode: multiply; }
@media (max-width: 600px) { .press-logos { gap: 18px 28px; } .press-logos img { height: 26px; } }

/* plain checklists (replace icon-tile grids) */
.simple-list { list-style: none; padding: 0; margin: 0 0 1em; display: grid; gap: 16px; }
.simple-list li { display: grid; grid-template-columns: 30px 1fr; gap: 14px; align-items: start; }
.simple-list .ck { width: 30px; height: 30px; border-radius: 50%; display: grid; place-items: center; background: var(--glacier-100); color: var(--teal-text); margin-top: 1px; }
.simple-list .ck .icon { width: 16px; height: 16px; stroke-width: 2.4; }
.simple-list strong { display: block; font-size: 1.1rem; line-height: 1.45; }
.simple-list .sl-d { display: block; color: var(--text-2); margin-top: 2px; }
.simple-list.on-dark .ck { background: rgba(110,231,183,.15); color: var(--aurora-400); }
.simple-list.on-dark strong { color: var(--white); }

/* one section per area */
.area-section { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: clamp(32px, 6vw, 80px); align-items: start; }
@media (max-width: 900px) { .area-section { grid-template-columns: 1fr; } }
.area-badge { display: inline-block; margin-bottom: 16px; padding: 6px 16px; border-radius: 12px; background: var(--ink-900); color: var(--white); font-family: var(--font-display); font-weight: 600; font-size: 1.25rem; }
.area-badge-light { background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.24); }
.area-sub { font-family: var(--font-display); font-weight: 600; font-size: 1.6rem; color: var(--white); }
@media (min-width: 901px) { .process-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); } }

/* calmer motion everywhere: still backgrounds */
.blob { animation: none !important; }
.grain { display: none; }
.fjord-water span { animation: none; opacity: .35; }
.venn .ring, .flow-hub::before { animation: none; }

/* mobile: fewer elements, no scroll animations, more breathing room */
@media (max-width: 900px) {
  .js [data-reveal], .js .page-hero [data-reveal] { opacity: 1 !important; transform: none !important; transition: none !important; animation: none !important; }
  .crumbs, .jump-chips, .venn { display: none !important; }
  .page-hero { padding-top: calc(var(--header-h) + 36px); padding-bottom: 130px; }
  .section { padding: 64px 0; }
  .section-head { margin-bottom: 30px; }
  .flow-pipe::after { animation: none; }
  .hero-actions .btn { flex: 1 1 100%; }
}

/* "Menu" label on the mobile menu button */
.nav-toggle { align-items: center; gap: 10px; width: auto; height: 46px; padding: 0 18px 0 16px; border-radius: 999px; font-weight: 800; font-size: 1rem; }
.nav-toggle .nt-lines { position: relative; display: block; width: 18px; height: 14px; }
.nav-toggle .nt-lines span { position: absolute; left: 0; right: 0; height: 2px; border-radius: 2px; background: currentColor; transition: transform .35s var(--ease), opacity .2s; }
.nav-toggle .nt-lines span:nth-child(1) { top: 0; }
.nav-toggle .nt-lines span:nth-child(2) { top: 6px; }
.nav-toggle .nt-lines span:nth-child(3) { top: 12px; }
.menu-open .nav-toggle .nt-lines span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
.menu-open .nav-toggle .nt-lines span:nth-child(2) { opacity: 0; }
.menu-open .nav-toggle .nt-lines span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }
@media (max-width: 1080px) { .nav-toggle { display: inline-flex; } }

/* ---------------- value table: what's included (? vs check) */
.value-table { max-width: 900px; margin: 0 auto; border: 1px solid var(--line); border-radius: 24px; overflow: hidden; background: var(--white); box-shadow: var(--shadow-sm); }
.vt-row { display: grid; grid-template-columns: minmax(0, 1fr) 150px 150px; align-items: center; border-top: 1px solid var(--line); }
.vt-row:first-child { border-top: 0; }
.vt-label { padding: 18px 24px; font-weight: 600; font-size: 1.08rem; line-height: 1.4; }
.vt-col { align-self: stretch; display: grid; place-items: center; padding: 14px 10px; text-align: center; }
.vt-col.vt-us { background: #eef7f9; }
.vt-head .vt-label, .vt-head .vt-col { font-size: .82rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; color: var(--text-3); background: var(--paper); line-height: 1.3; }
.vt-head .vt-col.vt-us { background: var(--ink-900); color: var(--white); }
.vt-q { display: inline-grid; place-items: center; width: 30px; height: 30px; border-radius: 50%; border: 2px solid #b9c3cf; color: var(--text-3); font-weight: 800; font-size: 1rem; line-height: 1; }
.vt-q-sm { width: 22px; height: 22px; font-size: .78rem; margin-right: 6px; vertical-align: -5px; border-width: 1.5px; }
.vt-yes { display: inline-grid; place-items: center; width: 32px; height: 32px; border-radius: 50%; background: var(--teal-text); color: var(--white); }
.vt-yes .icon { width: 18px; height: 18px; stroke-width: 2.8; }
.vc-note { max-width: 900px; margin: 14px auto clamp(40px, 5vw, 64px); }
@media (max-width: 640px) {
  .vt-row { grid-template-columns: minmax(0, 1fr) 76px 76px; }
  .vt-label { padding: 16px 14px 16px 16px; font-size: 1rem; }
  .vt-head .vt-col { font-size: .68rem; letter-spacing: .04em; padding: 12px 4px; }
}

/* ---------------- calculator: outside-manager option + stacked bar */
.calc-check { display: flex; align-items: flex-start; gap: 14px; margin: 4px 0 6px; padding: 16px 18px; border-radius: 16px; background: var(--paper); border: 1px solid var(--line); cursor: pointer; }
.calc-check input { flex: none; width: 24px; height: 24px; margin: 2px 0 0; accent-color: var(--teal-text); cursor: pointer; }
.calc-check strong { display: block; font-size: 1.02rem; }
.calc-check span { color: var(--text-2); font-size: .95rem; line-height: 1.5; }
.calc-check strong { color: var(--text); }
.calc-tamp { margin-top: 14px; }
.calc-tamp[hidden] { display: none; }
.fee-bar-stack { padding: 0; justify-content: flex-start; background: none !important; overflow: hidden; }
.fee-bar-stack .seg-adv, .fee-bar-stack .seg-tamp { height: 100%; display: flex; align-items: center; min-width: 0; overflow: hidden; white-space: nowrap; transition: flex-basis .6s var(--ease); }
.fee-bar-stack .seg-adv { flex: 0 0 100%; justify-content: flex-end; padding: 0 12px; background: linear-gradient(90deg, #9fb1c6, #b9c7d6); }
.fee-bar-stack .seg-tamp { flex: 0 0 0; justify-content: center; font-size: .85rem; color: #5c2a0f; background: repeating-linear-gradient(135deg, #e9c3a6 0 6px, #f3d8c4 6px 12px); }
.calc-result small { display: block; margin-top: 4px; font-size: .85rem; color: var(--text-2); }
.vt-short { display: none; }
@media (max-width: 640px) { .vt-full { display: none; } .vt-short { display: inline; } }

/* ==========================================================================
   v3 — services refinements + inline scheduler
   ========================================================================== */

/* RICP: still, three-step income path */
.ipath { display: grid; grid-template-columns: minmax(0, 1fr) 44px minmax(0, 1fr) 44px minmax(0, 1fr); align-items: stretch; }
.ip-step { position: relative; padding: 28px 26px; border-radius: 22px; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.14); }
.ip-num { display: inline-grid; place-items: center; width: 34px; height: 34px; border-radius: 50%; background: var(--aurora-400); color: var(--ink-950); font-weight: 800; margin-bottom: 14px; }
.ip-step h3 { font-size: 1.25rem; margin-bottom: 14px; color: var(--white); }
.ip-step p { color: rgba(255,255,255,.8); margin: 0 0 14px; }
.ip-accounts { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.ip-accounts li { display: flex; align-items: center; justify-content: space-between; gap: 10px; padding: 10px 14px; border-radius: 12px; background: rgba(5,15,28,.35); color: var(--white); font-weight: 600; }
.ip-accounts small { font-size: .82rem; font-weight: 700; color: var(--glacier-300); white-space: nowrap; }
.ip-tags { display: flex; flex-wrap: wrap; gap: 8px; margin: 0 !important; }
.ip-tags span { padding: 6px 12px; border-radius: 999px; border: 1px solid rgba(138,221,232,.4); color: var(--glacier-300); font-weight: 700; font-size: .9rem; }
.ip-arrow { display: grid; place-items: center; color: var(--aurora-400); }
.ip-arrow .icon { width: 28px; height: 28px; stroke-width: 2.2; }
.ip-pay { background: var(--white); border-color: var(--white); box-shadow: 0 30px 60px -24px rgba(0,0,0,.55); }
.ip-pay h3 { color: var(--ink-900); }
.ip-deposit { display: flex; gap: 14px; align-items: flex-start; margin-bottom: 18px; }
.ip-bank { flex: none; width: 44px; height: 44px; border-radius: 50%; display: grid; place-items: center; background: var(--teal-text); color: var(--white); }
.ip-bank .icon { width: 22px; height: 22px; }
.ip-deposit div strong { display: block; color: var(--ink-900); }
.ip-deposit div span { display: block; color: var(--text-2); font-size: .97rem; line-height: 1.45; }
.ip-months { display: grid; grid-template-columns: repeat(6, 1fr); gap: 6px; }
.ip-months span { aspect-ratio: 1.3; border-radius: 8px; display: grid; place-items: center; font-size: .78rem; font-weight: 800; color: var(--ink-950); background: linear-gradient(135deg, var(--glacier-300), var(--aurora-400)); }
@media (max-width: 980px) {
  .ipath { grid-template-columns: 1fr; }
  .ip-arrow { padding: 8px 0; }
  .ip-arrow .icon { transform: rotate(90deg); }
}

/* EA: tax-planning timeline */
.ttl { margin-top: clamp(36px, 5vw, 56px); padding: clamp(22px, 3.5vw, 36px); border-radius: var(--radius-lg); background: var(--white); border: 1px solid var(--line); box-shadow: var(--shadow); }
.ttl-headline { margin-bottom: 18px; }
.ttl-title { font-family: var(--font-display); font-weight: 600; font-size: clamp(1.25rem, 2.4vw, 1.6rem); margin: 0 0 4px; }
.ttl-pins { position: relative; height: 40px; }
.ttl-pin { position: absolute; left: var(--x); bottom: 6px; transform: translateX(-50%); white-space: nowrap; font-size: .9rem; font-weight: 800; color: var(--ink-900); }
.ttl-pin::after { content: ""; position: absolute; left: 50%; top: calc(100% + 2px); width: 2px; height: 10px; background: var(--ink-900); transform: translateX(-50%); }
.ttl-track { display: flex; gap: 3px; height: 50px; border-radius: 12px; overflow: hidden; }
.ttl-seg { display: flex; align-items: center; justify-content: center; background: #dbe3ec; }
.ttl-seg.window { background: linear-gradient(90deg, var(--glacier-400), var(--aurora-400)); padding: 0 8px; text-align: center; }
.ttl-seg b { font-size: .95rem; color: var(--ink-950); line-height: 1.2; }
.ttl-years { display: grid; grid-template-columns: repeat(12, 1fr); margin-top: 12px; }
.ttl-years span { justify-self: center; width: 26px; height: 26px; border-radius: 50%; display: grid; place-items: center; background: var(--glacier-100); color: var(--teal-text); }
.ttl-years span.in { background: var(--teal-text); color: var(--white); }
.ttl-years .icon { width: 14px; height: 14px; stroke-width: 2.8; }
.ttl-phases { display: flex; margin-top: 12px; }
.ttl-phases span { padding: 0 6px; text-align: center; font-size: .95rem; font-weight: 600; color: var(--text-2); line-height: 1.35; }
.ttl-phases span.in { color: var(--teal-text); font-weight: 800; }
.ttl-legend { display: grid; grid-template-columns: 1fr 1fr; gap: 18px 28px; margin-top: 26px; padding-top: 22px; border-top: 1px solid var(--line); }
.ttl-legend > div { display: flex; gap: 12px; align-items: flex-start; }
.ttl-legend p { margin: 0; color: var(--text-2); }
.ttl-legend strong { color: var(--text); }
.ttl-key-check { flex: none; width: 26px; height: 26px; border-radius: 50%; display: grid; place-items: center; background: var(--glacier-100); color: var(--teal-text); margin-top: 2px; }
.ttl-key-check .icon { width: 14px; height: 14px; stroke-width: 2.8; }
.ttl-key-window { flex: none; width: 30px; height: 18px; border-radius: 6px; margin-top: 5px; background: linear-gradient(90deg, var(--glacier-400), var(--aurora-400)); }
@media (max-width: 700px) {
  .ttl-pins, .ttl-years { display: none; }
  .ttl-track { height: 64px; }
  .ttl-seg b { font-size: .8rem; }
  .ttl-phases span { font-size: .82rem; }
  .ttl-legend { grid-template-columns: 1fr; }
}

/* How we work: year-round */
.yearround { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: 22px; margin-top: clamp(48px, 6vw, 72px); }
.yr-meet { padding: clamp(26px, 3.5vw, 36px); border-radius: 24px; background: linear-gradient(160deg, var(--ink-800), var(--ink-900)); color: rgba(255,255,255,.85); }
.yr-icon { display: inline-grid; place-items: center; width: 52px; height: 52px; border-radius: 16px; background: rgba(110,231,183,.15); color: var(--aurora-400); margin-bottom: 18px; }
.yr-icon .icon { width: 26px; height: 26px; }
.yr-meet h3, .yr-work h3 { font-family: var(--font-display); font-weight: 600; font-size: 1.55rem; }
.yr-meet h3 { color: var(--white); }
.yr-meet strong { color: var(--white); }
.yr-plus { margin: 18px 0 0; padding-top: 16px; border-top: 1px dashed rgba(255,255,255,.2); font-weight: 800; color: var(--aurora-400); }
.yr-work { padding: clamp(26px, 3.5vw, 36px); border-radius: 24px; background: var(--paper); border: 1px solid var(--line); }
.yr-work .simple-list { margin: 0; gap: 12px; }
.yr-work .simple-list strong { font-weight: 600; }
@media (max-width: 860px) { .yearround { grid-template-columns: 1fr; } }

/* Fees & value: comparison with a highlighted IronFjord column */
.vx { --usw: 210px; --themw: 180px; position: relative; max-width: 1020px; margin: 16px auto 0; }
.vx::before { content: ""; position: absolute; top: -16px; bottom: -16px; right: 0; width: var(--usw); border-radius: 26px; background: linear-gradient(180deg, var(--ink-800), var(--ink-900)); box-shadow: 0 34px 70px -26px rgba(10,26,47,.55), inset 0 0 0 1px rgba(138,221,232,.25); }
.vx-row { position: relative; display: grid; grid-template-columns: minmax(0, 1fr) var(--themw) var(--usw); align-items: stretch; }
.vx-feat, .vx-them { border-bottom: 1px solid var(--line); }
.vx-us { border-bottom: 1px solid rgba(255,255,255,.08); }
.vx-row:last-child > div { border-bottom: 0; }
.vx-feat { display: flex; align-items: center; gap: 16px; padding: 18px 18px 18px 4px; }
.vx-feat strong { display: block; font-size: 1.1rem; line-height: 1.35; }
.vx-feat span:not(.vx-icon) { display: block; font-size: .95rem; color: var(--text-2); line-height: 1.45; margin-top: 2px; }
.vx-icon { flex: none; width: 44px; height: 44px; border-radius: 14px; display: grid; place-items: center; background: var(--glacier-100); color: var(--teal-text); }
.vx-icon .icon { width: 22px; height: 22px; }
.vx-them, .vx-us { display: grid; place-items: center; padding: 14px 12px; text-align: center; }
.vx-yes { display: inline-grid; place-items: center; width: 36px; height: 36px; border-radius: 50%; background: var(--aurora-400); color: var(--ink-950); box-shadow: 0 0 0 6px rgba(110,231,183,.12); }
.vx-yes .icon { width: 20px; height: 20px; stroke-width: 2.8; }
.vx-head .vx-feat, .vx-head .vx-them { border-bottom-color: var(--line-2); }
.vx-colname { font-size: .82rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; color: var(--text-3); line-height: 1.3; }
.vx-brand { display: block; font-family: var(--font-display); font-weight: 600; font-size: 1.5rem; color: var(--white); line-height: 1.1; }
.vx-sub { display: block; margin-top: 4px; font-size: .8rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; color: var(--glacier-300); }
.vx-head .vx-us { padding-top: 6px; }
.vx-price-them { font-size: .95rem; color: var(--text-2); line-height: 1.4; }
.vx-price-us { font-family: var(--font-display); font-weight: 600; font-size: 1.7rem; color: var(--white); line-height: 1.1; }
.vx-price-us small { display: block; font-family: var(--font-body); font-size: .85rem; font-weight: 700; color: rgba(255,255,255,.75); margin-top: 4px; }
@media (max-width: 760px) {
  .vx { --usw: 96px; --themw: 82px; }
  .vx::before { top: -10px; bottom: -10px; border-radius: 18px; }
  .vx-icon, .vx-feat span:not(.vx-icon), .vx-sub { display: none !important; }
  .vx-feat { padding: 16px 10px 16px 2px; }
  .vx-feat strong { font-size: 1rem; }
  .vx-brand { font-size: 1.05rem; }
  .vx-colname { font-size: .7rem; letter-spacing: .04em; }
  .vx-price-them { font-size: .78rem; }
  .vx-price-us { font-size: 1.15rem; }
  .vx-price-us small { font-size: .7rem; }
  .vx-yes { width: 30px; height: 30px; }
}

/* Inline scheduler in the closing call-to-action */
.cta-schedule { grid-template-columns: 1fr; gap: 32px; align-items: start; }
.cta-schedule .cta-copy { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); column-gap: 56px; align-items: end; }
.cta-schedule .cta-copy > * { grid-column: 1; }
.cta-schedule .cta-list { grid-column: 2; grid-row: 1 / span 3; align-self: end; margin: 0 0 1em; }
.cta-schedule .cta-alt { grid-column: 2; grid-row: 4; margin: 0; }
@media (max-width: 860px) { .cta-schedule .cta-copy { grid-template-columns: 1fr; } .cta-schedule .cta-list, .cta-schedule .cta-alt { grid-column: 1; grid-row: auto; } .cta-schedule .cta-list { margin: 22px 0 18px; } }
.cta-list { margin: 22px 0 18px; }
.cta-alt { font-size: .97rem; color: rgba(255,255,255,.78) !important; }
.cta-alt a { color: var(--white); font-weight: 700; }
.cta-cal { border-radius: 22px; overflow: hidden; background: var(--white); color: var(--ink-900); box-shadow: 0 30px 60px -24px rgba(0,0,0,.5); }
.cta-cal-head { display: flex; align-items: center; gap: 10px; margin: 0; padding: 16px 20px; font-weight: 800; border-bottom: 1px solid var(--line); }
.cta-cal-head .icon { color: var(--teal-text); }
.cta-cal .calendly-inline-widget { min-width: 300px; height: 700px; }
.cta-cal .scheduler-fallback { padding: 32px 20px; text-align: center; }
@media (max-width: 860px) {
  .cta-schedule { grid-template-columns: 1fr; }
  .cta-cal .calendly-inline-widget { height: 960px; }
}
@media (max-width: 600px) {
  .cta-card.cta-schedule { padding: 28px 16px 16px; border-radius: 28px; }
  .cta-schedule .cta-copy { padding: 0 6px; }
}

/* EA timeline: every stage has tax decisions */
.ttl-seg { background: #cfe8ee; }
.ttl-seg.window { background: linear-gradient(90deg, var(--glacier-400), var(--aurora-400)); }
.ttl-years span { background: var(--teal-text); color: var(--white); }
.ttl-stages { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 14px; margin-top: 18px; }
.ttl-stage { padding: 18px 18px 16px; border-radius: 16px; background: var(--paper); border: 1px solid var(--line); }
.ttl-stage.in { background: #e9f7f3; border-color: rgba(10,90,107,.35); }
.ttl-stage-name { margin: 0 0 10px; font-weight: 800; font-size: 1.05rem; line-height: 1.3; }
.ttl-stage-tag { display: inline-block; margin: -2px 0 12px; padding: 4px 10px; border-radius: 999px; background: var(--teal-text); color: var(--white); font-size: .82rem; font-weight: 800; }
.ttl-stage ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.ttl-stage li { display: grid; grid-template-columns: 22px 1fr; gap: 8px; align-items: start; color: var(--text); font-size: 1rem; line-height: 1.4; }
.ttl-stage .ck { width: 22px; height: 22px; border-radius: 50%; display: grid; place-items: center; background: var(--glacier-100); color: var(--teal-text); margin-top: 1px; }
.ttl-stage .ck .icon { width: 13px; height: 13px; stroke-width: 2.8; }
.ttl-note { margin: 18px 0 0; color: var(--text-2); font-size: .97rem; }
@media (max-width: 700px) { .ttl-stages { grid-template-columns: 1fr; } }
.ttl-stage-tag { display: none; }
@media (max-width: 700px) { .ttl-chart { display: none; } .ttl-stage-tag { display: inline-block; } .ttl-stages { margin-top: 4px; } }

/* How we work: a year with IronFjord */
.yr { padding: clamp(24px, 3.5vw, 40px); border-radius: var(--radius-lg); background: linear-gradient(160deg, var(--ink-800), var(--ink-900)); color: var(--white); box-shadow: var(--shadow-lg); }
.yr-pins { position: relative; height: 150px; }
.yr-pin { position: absolute; left: var(--x); bottom: 14px; transform: translateX(-50%); width: min(300px, 44%); padding: 14px 16px; border-radius: 16px; background: var(--white); color: var(--ink-900); box-shadow: 0 16px 30px -14px rgba(0,0,0,.5); }
.yr-pin::after { content: ""; position: absolute; left: 50%; bottom: -8px; width: 16px; height: 16px; background: var(--white); transform: translateX(-50%) rotate(45deg); border-radius: 3px; }
.yr-pin-tag { display: inline-block; margin-bottom: 6px; padding: 3px 10px; border-radius: 999px; background: var(--copper-100); color: var(--copper-text); font-size: .78rem; font-weight: 800; letter-spacing: .04em; text-transform: uppercase; }
.yr-pin strong { display: block; font-size: 1.05rem; }
.yr-pin > span:last-child { display: block; font-size: .92rem; color: var(--text-2); line-height: 1.4; }
.yr-months { display: grid; grid-template-columns: repeat(12, 1fr); gap: 4px; }
.yr-months span { padding: 10px 0; border-radius: 10px; text-align: center; font-weight: 700; font-size: .9rem; color: rgba(255,255,255,.75); background: rgba(255,255,255,.07); }
.yr-months span.on { background: var(--copper-500); color: var(--ink-950); font-weight: 800; }
.yr-band { display: flex; align-items: center; gap: 10px; margin-top: 10px; padding: 12px 16px; border-radius: 12px; background: linear-gradient(90deg, rgba(79,195,217,.25), rgba(110,231,183,.25)); border: 1px solid rgba(110,231,183,.35); font-weight: 700; color: var(--white); line-height: 1.4; }
.yr-band .icon { flex: none; color: var(--aurora-400); }
.yr-cols { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; margin-top: 22px; }
.yr-col { padding: clamp(24px, 3vw, 34px); border-radius: 24px; background: var(--paper); border: 1px solid var(--line); }
.yr-col h3 { font-family: var(--font-display); font-weight: 600; font-size: 1.5rem; margin-bottom: 16px; }
.yr-col-icon { display: inline-grid; place-items: center; width: 48px; height: 48px; border-radius: 14px; background: var(--glacier-100); color: var(--teal-text); margin-bottom: 14px; }
.yr-col-icon .icon { width: 24px; height: 24px; }
.yr-col .simple-list { margin: 0; gap: 12px; }
@media (max-width: 860px) {
  .yr-cols { grid-template-columns: 1fr; }
  .yr-pins { height: auto; display: grid; gap: 12px; margin-bottom: 16px; }
  .yr-pin { position: static; transform: none; width: auto; }
  .yr-pin::after { display: none; }
  .yr-months { grid-template-columns: repeat(6, 1fr); }
}
@media (max-width: 860px) { .yr-band { font-size: .98rem; font-weight: 600; } }

/* Fee philosophy (not "cheap": fair, transparent, comprehensive) */
.fee-philosophy { margin: 0 auto clamp(36px, 5vw, 56px); max-width: 1020px; padding: clamp(24px, 3.5vw, 36px); border-radius: 24px; background: var(--paper); border: 1px solid var(--line); }
.fp-lead { font-size: 1.15rem; line-height: 1.6; color: var(--text); margin: 0 0 22px; text-align: center; max-width: 760px; margin-left: auto; margin-right: auto; }
.fp-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px; }
.fp-grid > div { display: flex; flex-direction: column; gap: 4px; padding: 18px; border-radius: 18px; background: var(--white); border: 1px solid var(--line); }
.fp-grid strong { font-family: var(--font-display); font-weight: 600; font-size: 1.3rem; }
.fp-grid span:not(.fp-icon) { color: var(--text-2); font-size: .97rem; line-height: 1.45; }
.fp-icon { display: inline-grid; place-items: center; width: 42px; height: 42px; border-radius: 12px; background: var(--glacier-100); color: var(--teal-text); margin-bottom: 8px; }
.fp-icon .icon { width: 22px; height: 22px; }
@media (max-width: 900px) { .fp-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 520px) { .fp-grid { grid-template-columns: 1fr; } }
.price-why { margin: -8px 0 22px; padding: 14px 16px; border-radius: 14px; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); color: rgba(255,255,255,.85); font-size: .97rem; line-height: 1.5; }

/* Home: the IronFjord difference (retirement-focused, comprehensive, flat fee) */
.diff3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 22px; align-items: stretch; }
.diff-card { display: flex; flex-direction: column; padding: clamp(26px, 3vw, 34px); border-radius: 26px; background: var(--paper); border: 1px solid var(--line); }
.diff-card h3 { font-family: var(--font-display); font-weight: 600; font-size: 1.5rem; line-height: 1.2; margin-bottom: 12px; }
.diff-card > p { color: var(--text-2); margin-bottom: 18px; }
.diff-icon { display: inline-grid; place-items: center; width: 52px; height: 52px; border-radius: 16px; background: var(--glacier-100); color: var(--teal-text); margin-bottom: 18px; }
.diff-icon .icon { width: 26px; height: 26px; }
.diff-kicker { margin: 0 0 6px !important; font-size: .85rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: var(--copper-text) !important; }
.diff-list { list-style: none; padding: 0; margin: 4px 0 0; display: grid; gap: 10px; }
.diff-list li { display: grid; grid-template-columns: 26px 1fr; gap: 10px; align-items: start; font-weight: 600; line-height: 1.4; }
.diff-list .ck { width: 26px; height: 26px; border-radius: 50%; display: grid; place-items: center; background: var(--glacier-100); color: var(--teal-text); }
.diff-list .ck .icon { width: 14px; height: 14px; stroke-width: 2.8; }
.diff-card-feature { background: linear-gradient(165deg, var(--ink-800), var(--ink-900)); border-color: var(--ink-900); color: var(--white); box-shadow: var(--shadow-lg); }
.diff-card-feature h3 { color: var(--white); }
.diff-card-feature > p { color: rgba(255,255,255,.8); }
.diff-card-feature .diff-icon { background: rgba(110,231,183,.15); color: var(--aurora-400); }
.diff-card-feature .diff-kicker { color: var(--copper-400) !important; }
.diff-areas { list-style: none; padding: 0; margin: 0 0 20px; display: grid; gap: 8px; }
.diff-areas li { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 12px 14px; border-radius: 12px; background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.1); font-weight: 600; }
.diff-areas b { flex: none; font-family: var(--font-display); font-weight: 600; font-size: 1.05rem; color: var(--aurora-400); }
.diff-card-feature .text-link { color: var(--glacier-300); margin-top: auto; }
@media (max-width: 980px) { .diff3 { grid-template-columns: 1fr; max-width: 620px; margin: 0 auto; } }

/* Home: simple "explore services & fees" band */
.explore { max-width: 820px; margin: 0 auto; text-align: center; }
.explore .eyebrow { justify-content: center; }
.explore .section-sub { margin: 0 auto 30px; }
.explore-links { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 12px; margin-bottom: 32px; }
.explore-links a { display: flex; flex-direction: column; align-items: center; gap: 10px; padding: 20px 12px; border-radius: 18px; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.14); color: var(--white); text-decoration: none; font-weight: 700; transition: background-color .2s, border-color .2s, transform .3s var(--ease); }
.explore-links a:hover { background: rgba(255,255,255,.11); border-color: rgba(138,221,232,.5); transform: translateY(-2px); }
.explore-links .icon { width: 28px; height: 28px; color: var(--aurora-400); }
@media (max-width: 760px) { .explore-links { grid-template-columns: 1fr 1fr; } }
.diff-link { margin-top: 18px; }

/* About: values + compact credentials */
.values { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; margin-top: 26px; }
.values > div { display: flex; flex-direction: column; gap: 4px; padding: 18px; border-radius: 18px; background: var(--white); border: 1px solid var(--line); }
.values strong { font-family: var(--font-display); font-weight: 600; font-size: 1.25rem; }
.values span:not(.values-icon) { font-size: .97rem; line-height: 1.45; color: var(--text-2); }
.values-icon { display: inline-grid; place-items: center; width: 40px; height: 40px; border-radius: 12px; background: var(--glacier-100); color: var(--teal-text); margin-bottom: 6px; }
.values-icon .icon { width: 21px; height: 21px; }
@media (max-width: 640px) { .values { grid-template-columns: 1fr; } .values > div { flex-direction: row; flex-wrap: wrap; align-items: center; column-gap: 12px; } .values-icon { margin: 0; } .values span:not(.values-icon) { flex-basis: 100%; } }
.creds { max-width: 980px; margin: 0 auto; padding: clamp(24px, 4vw, 40px); border-radius: 26px; background: var(--paper); border: 1px solid var(--line); }
.creds-title { font-size: clamp(1.5rem, 2.6vw, 2rem); margin-bottom: 18px; }
.creds-row { display: grid; grid-template-columns: 160px minmax(0, 1fr); gap: 16px; padding: 16px 0; border-top: 1px solid var(--line); align-items: start; }
.creds-label { margin: 0; font-size: .85rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: var(--teal-text); padding-top: 6px; }
.creds-text { margin: 0; font-weight: 600; padding-top: 2px; }
.creds-tags { display: flex; flex-wrap: wrap; gap: 8px; }
.creds-tag { display: inline-block; padding: 7px 14px; border-radius: 999px; background: var(--white); border: 1px solid var(--line-2); text-decoration: none; font-size: .95rem; font-weight: 600; color: var(--text); transition: border-color .2s; }
.creds-tag:hover { border-color: var(--teal-text); color: var(--teal-text); }
.creds-tag.strong { background: var(--ink-900); border-color: var(--ink-900); color: var(--white); }
.creds-tag.strong:hover { background: var(--teal-text); border-color: var(--teal-text); color: var(--white); }
@media (max-width: 640px) { .creds-row { grid-template-columns: 1fr; gap: 8px; } .creds-label { padding-top: 0; } .creds-tag { font-size: .9rem; padding: 6px 12px; } }

/* About page: calmer, more compact phone layout */
@media (max-width: 900px) {
  .about-hero .page-hero-inner.has-visual { display: flex; flex-direction: column; gap: 0; }
  .about-hero .page-hero-visual { order: -1; margin-bottom: 22px; }
  .about-hero .portrait { width: 132px; margin: 0; }
  .about-hero .portrait-img { aspect-ratio: 1; border-radius: 50%; box-shadow: 0 0 0 4px rgba(255,255,255,.12), var(--shadow); }
  .about-hero .portrait-ring, .about-hero .portrait-badges { display: none; }
  .story + .story { margin-top: 44px; }
  .story-label h2 { font-size: 1.55rem; }
  .story-body { font-size: 1.06rem; line-height: 1.7; }
  .story-body .media-frame { margin: 1.2em 0 !important; }
  .story-body .media-tag { left: 12px; right: 12px; bottom: 12px; padding: 10px 12px; font-size: .9rem; }
  .story-body .media-tag strong { font-size: 1.05rem; }
  .pull { padding: 20px 22px; font-size: 1.2rem; }
  .wordmark { padding: 20px; gap: 14px; }
  .wordmark-name { font-size: 2rem; }
}
span.creds-tag:hover { border-color: var(--line-2); color: var(--text); }

/* About: on phones, show the Expedition 51 caption below the photo instead of over it */
@media (max-width: 900px) {
  .story-body .media-frame { background: var(--ink-900); }
  .story-body .media-frame img { border-radius: 0; }
  .story-body .media-tag { position: static; border-radius: 0; background: var(--ink-900); backdrop-filter: none; padding: 12px 16px 14px; }
}

/* EA: "Serious tax planning, every year" panel */
.taxnote { margin-top: clamp(32px, 4vw, 48px); border-radius: var(--radius-lg); background: var(--white); border: 1px solid var(--line); box-shadow: var(--shadow); overflow: hidden; }
.taxnote-body { display: grid; grid-template-columns: 56px minmax(0, 1fr); gap: 20px; padding: clamp(24px, 3.5vw, 36px); }
.taxnote-icon { width: 56px; height: 56px; border-radius: 16px; display: grid; place-items: center; background: var(--glacier-100); color: var(--teal-text); }
.taxnote-icon .icon { width: 28px; height: 28px; }
.taxnote h3 { font-family: var(--font-display); font-weight: 600; font-size: clamp(1.35rem, 2.4vw, 1.7rem); margin-bottom: 10px; }
.taxnote p { color: var(--text-2); max-width: 820px; }
.taxnote p:last-child { margin-bottom: 0; }
.taxnote-strip { display: flex; align-items: center; gap: 10px; margin: 0; padding: 16px clamp(24px, 3.5vw, 36px); background: var(--ink-900); color: var(--white); font-weight: 700; }
.taxnote-strip .icon { color: var(--aurora-400); flex: none; }
@media (max-width: 640px) { .taxnote-body { grid-template-columns: 1fr; gap: 14px; } }
.taxnote .taxnote-strip { max-width: none; color: var(--white); }

/* Newsletter: footer band + gentle popup */
.nl-row { display: flex; gap: 10px; }
.nl-row input { flex: 1; min-width: 0; height: 48px; padding: 0 16px; border-radius: 999px; border: 1px solid var(--line-2); background: var(--white); font: inherit; color: var(--text); }
.nl-row input:focus { outline: none; border-color: var(--glacier-500); box-shadow: 0 0 0 4px rgba(79,195,217,.2); }
.nl-row .btn { min-height: 48px; flex: none; }
.nl-status { margin: 8px 4px 0; font-size: .92rem; font-weight: 600; min-height: 1px; }
.nl-status:empty { margin: 0; }
.nl-status.ok { color: var(--teal-text); }
.nl-status.err { color: var(--copper-text); }
.nl-dark .nl-row input { background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.22); color: var(--white); }
.nl-dark .nl-row input::placeholder { color: rgba(255,255,255,.6); }
.nl-dark .nl-status.ok { color: var(--aurora-400); }
.nl-dark .nl-status.err { color: var(--copper-400); }
.footer-nl { position: relative; display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr); gap: 28px; align-items: center; padding: 28px 30px; margin-bottom: 48px; border-radius: 24px; background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.12); }
.footer-nl-title { display: flex; align-items: center; gap: 10px; font-family: var(--font-display); font-weight: 600; font-size: 1.4rem; color: var(--white); margin-bottom: 6px; }
.footer-nl-title .icon { color: var(--aurora-400); }
.footer-nl p { margin: 0; color: rgba(255,255,255,.75); }
@media (max-width: 860px) { .footer-nl { grid-template-columns: 1fr; padding: 22px 20px; } }
@media (max-width: 480px) { .nl-row { flex-direction: column; } .nl-row .btn { width: 100%; } }

.nl-pop { position: fixed; right: 24px; bottom: 24px; z-index: 150; width: min(380px, calc(100vw - 32px)); padding: 22px 22px 18px; border-radius: 22px; background: var(--white); color: var(--text); border: 1px solid var(--line); box-shadow: 0 30px 70px -20px rgba(10,26,47,.45); opacity: 0; transform: translateY(24px); transition: opacity .45s var(--ease), transform .45s var(--ease); }
.nl-pop.is-open { opacity: 1; transform: none; }
.nl-pop[hidden] { display: none; }
.nl-pop-close { position: absolute; top: 10px; right: 10px; width: 36px; height: 36px; border: 0; border-radius: 50%; background: var(--paper); color: var(--text-2); display: grid; place-items: center; cursor: pointer; }
.nl-pop-close:hover { background: var(--paper-2); color: var(--text); }
.nl-pop-kicker { display: flex; align-items: center; gap: 6px; margin: 0 0 6px; font-size: .82rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; color: var(--teal-text); }
.nl-pop-title { margin: 0 32px 6px 0; font-family: var(--font-display); font-weight: 600; font-size: 1.3rem; line-height: 1.25; }
.nl-pop-text { margin: 0 0 14px; font-size: .97rem; color: var(--text-2); }
@media (max-width: 600px) {
  .nl-pop { right: 12px; left: 12px; bottom: 12px; width: auto; padding: 18px 16px 14px; }
  .nl-pop .nl-row { flex-direction: row; }
  .nl-pop .nl-row .btn { width: auto; }
}
@media (prefers-reduced-motion: reduce) { .nl-pop { transition: none; } }
@media (max-width: 600px) {
  .nl-pop-text { display: none; }
  .nl-pop-title { font-size: 1.08rem; margin-bottom: 10px; }
  .nl-pop-kicker { margin-bottom: 4px; }
  .nl-pop .nl-row input, .nl-pop .nl-row .btn { min-height: 44px; height: 44px; }
}