/* ============================================================
   RM Financial & Tax Advisors — Site Styles
   ============================================================ */

:root {
  --navy: #1B3A6B;
  --navy-deep: #142A4D;
  --navy-soft: #2A4D85;
  --white: #FFFFFF;
  --light-blue: #E8EEF7;
  --light-blue-2: #F2F6FC;
  --body: #555555;
  --ink: #1A1A1A;
  --line: #E2E6EE;
  --line-soft: #EEF1F6;
  --accent-red: #B43A3A;

  --serif: "Source Serif 4", "Source Serif Pro", Georgia, "Times New Roman", serif;
  --sans: "DM Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;

  --max: 1200px;
  --max-narrow: 760px;
  --gutter: clamp(20px, 4vw, 48px);

  --radius: 6px;
  --radius-lg: 10px;

  --shadow-sm: 0 1px 2px rgba(20, 42, 77, 0.04), 0 2px 8px rgba(20, 42, 77, 0.04);
  --shadow-md: 0 4px 14px rgba(20, 42, 77, 0.06), 0 12px 32px rgba(20, 42, 77, 0.08);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.65;
  color: var(--body);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-wrap: pretty;
}

h1, h2, h3, h4, h5 {
  font-family: var(--serif);
  font-weight: 500;
  color: var(--navy);
  letter-spacing: -0.01em;
  line-height: 1.15;
  margin: 0 0 0.5em;
  text-wrap: balance;
}

h1 { font-size: clamp(34px, 5vw, 56px); font-weight: 500; }
h2 { font-size: clamp(28px, 3.6vw, 42px); }
h3 { font-size: clamp(22px, 2.4vw, 28px); }
h4 { font-size: clamp(18px, 2vw, 22px); }

p { margin: 0 0 1em; }

a { color: var(--navy); text-decoration: none; }
a:hover { text-decoration: underline; }

img { max-width: 100%; display: block; }

.container { max-width: var(--max); margin: 0 auto; padding: 0 var(--gutter); }
.narrow { max-width: var(--max-narrow); margin: 0 auto; padding: 0 var(--gutter); }

section { padding: clamp(56px, 8vw, 112px) 0; }

.eyebrow {
  font-family: var(--sans);
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 18px;
  display: inline-block;
}

/* ============================================================
   Buttons
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 16px 26px;
  font-family: var(--sans);
  font-size: 15px;
  font-weight: 500;
  letter-spacing: 0.01em;
  border-radius: var(--radius);
  border: 1px solid transparent;
  cursor: pointer;
  transition: all 0.2s ease;
  text-decoration: none !important;
  line-height: 1;
}
.btn .arrow {
  transition: transform 0.2s ease;
  display: inline-block;
}
.btn:hover .arrow { transform: translateX(4px); }

.btn-primary {
  background: var(--navy);
  color: var(--white);
}
.btn-primary:hover {
  background: var(--navy-deep);
  color: var(--white);
}

.btn-on-navy {
  background: var(--white);
  color: var(--navy);
}
.btn-on-navy:hover {
  background: var(--light-blue);
  color: var(--navy);
}

.btn-secondary {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-secondary:hover {
  background: var(--navy);
  color: var(--white);
}

.btn-text {
  font-family: var(--sans);
  font-size: 14px;
  font-weight: 500;
  color: var(--navy);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  border-bottom: 1px solid var(--navy);
  padding-bottom: 2px;
  transition: gap 0.2s ease;
}
.btn-text:hover { gap: 10px; text-decoration: none; }

/* ============================================================
   Header / Navigation
   ============================================================ */
.site-header {
  background: var(--navy);
  color: var(--white);
  position: sticky;
  top: 0;
  z-index: 100;
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 var(--gutter);
}
.logo {
  display: inline-flex;
  align-items: center;
  color: var(--white);
  text-decoration: none !important;
}
.logo-img {
  height: 52px;
  width: auto;
  display: block;
}
.footer-logo .logo-img { height: 48px; opacity: 0.95; }
@media (max-width: 480px) {
  .logo-img { height: 44px; }
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 36px;
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav-links a {
  color: var(--white);
  font-size: 14.5px;
  font-weight: 400;
  text-decoration: none;
  position: relative;
  padding: 8px 0;
  opacity: 0.85;
  transition: opacity 0.2s;
}
.nav-links a:hover { opacity: 1; text-decoration: none; }
.nav-links a.active { opacity: 1; }
.nav-links a.active::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: 0;
  height: 1.5px;
  background: var(--white);
}

.nav-dropdown { position: relative; }
.nav-dropdown > a::after {
  content: "▾";
  font-size: 9px;
  margin-left: 6px;
  opacity: 0.7;
}
.dropdown-menu {
  position: absolute;
  top: 100%;
  left: -16px;
  min-width: 280px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-md);
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(6px);
  transition: all 0.18s ease;
}
.nav-dropdown:hover .dropdown-menu,
.nav-dropdown:focus-within .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown-menu a {
  display: block;
  color: var(--navy);
  padding: 12px 14px;
  border-radius: 4px;
  font-size: 14.5px;
  opacity: 1;
}
.dropdown-menu a:hover { background: var(--light-blue); }
.dropdown-menu a span {
  display: block;
  font-size: 12px;
  color: var(--body);
  margin-top: 2px;
}

.nav-cta {
  background: var(--white);
  color: var(--navy) !important;
  padding: 10px 18px;
  border-radius: var(--radius);
  font-size: 14px;
  font-weight: 500;
  opacity: 1 !important;
}
.nav-cta:hover { background: var(--light-blue); }
.nav-cta.active::after { display: none; }

/* Mobile nav */
.nav-toggle {
  display: none;
  background: transparent;
  border: none;
  color: var(--white);
  cursor: pointer;
  padding: 8px;
  width: 44px;
  height: 44px;
  align-items: center;
  justify-content: center;
}
.nav-toggle span {
  display: block;
  width: 22px;
  height: 1.5px;
  background: var(--white);
  position: relative;
}
.nav-toggle span::before,
.nav-toggle span::after {
  content: "";
  position: absolute;
  left: 0;
  width: 22px;
  height: 1.5px;
  background: var(--white);
}
.nav-toggle span::before { top: -7px; }
.nav-toggle span::after { top: 7px; }

@media (max-width: 880px) {
  .nav-toggle { display: inline-flex; }
  .nav-links {
    position: absolute;
    top: 76px;
    left: 0; right: 0;
    background: var(--navy);
    flex-direction: column;
    align-items: stretch;
    padding: 12px var(--gutter) 24px;
    gap: 0;
    display: none;
    border-top: 1px solid rgba(255,255,255,0.1);
  }
  .nav-links.open { display: flex; }
  .nav-links li { width: 100%; }
  .nav-links a {
    padding: 14px 0;
    border-bottom: 1px solid rgba(255,255,255,0.08);
    display: block;
  }
  .nav-links a.active::after { display: none; }
  .nav-dropdown > a::after { float: right; }
  .dropdown-menu {
    position: static;
    background: rgba(255,255,255,0.04);
    border: none;
    box-shadow: none;
    margin: 6px 0 10px;
    opacity: 1;
    visibility: visible;
    transform: none;
    display: none;
    padding: 4px;
  }
  .nav-dropdown.open .dropdown-menu { display: block; }
  .dropdown-menu a { color: var(--white); }
  .dropdown-menu a:hover { background: rgba(255,255,255,0.06); }
  .dropdown-menu a span { color: rgba(255,255,255,0.6); }
  .nav-cta {
    margin-top: 12px;
    text-align: center;
    background: var(--white);
  }
}

/* ============================================================
   Hero
   ============================================================ */
.hero {
  background: var(--white);
  padding: clamp(48px, 7vw, 88px) 0 clamp(64px, 8vw, 112px);
  border-bottom: 1px solid var(--line-soft);
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  gap: clamp(32px, 5vw, 72px);
  align-items: center;
}
@media (max-width: 880px) {
  .hero-grid { grid-template-columns: 1fr; }
}
.hero-content .eyebrow { color: var(--navy); }
.hero h1 {
  margin-bottom: 24px;
}
.hero-sub {
  font-size: clamp(17px, 1.6vw, 19px);
  line-height: 1.6;
  color: var(--body);
  max-width: 540px;
  margin-bottom: 36px;
}
.hero-ctas {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

.hero-visual {
  aspect-ratio: 5 / 4;
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: var(--light-blue);
  position: relative;
}

/* ============================================================
   Intro band
   ============================================================ */
.intro-band {
  background: var(--light-blue-2);
  text-align: center;
  border-bottom: 1px solid var(--line-soft);
}
.intro-band p {
  font-family: var(--serif);
  font-size: clamp(20px, 2.2vw, 26px);
  line-height: 1.55;
  color: var(--navy);
  font-weight: 400;
  max-width: 720px;
  margin: 0 auto;
}

/* ============================================================
   Cards — Who We Serve
   ============================================================ */
.serve-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  margin-top: 48px;
}
@media (max-width: 800px) { .serve-grid { grid-template-columns: 1fr; } }

.serve-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 40px;
  display: flex;
  flex-direction: column;
  transition: all 0.2s ease;
}
.serve-card:hover {
  border-color: var(--navy);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}
.serve-card .card-icon {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--light-blue);
  display: grid;
  place-items: center;
  margin-bottom: 24px;
  color: var(--navy);
}
.serve-card h3 {
  margin-bottom: 14px;
  font-size: 24px;
}
.serve-card p { margin-bottom: 20px; }

.tag-list {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 28px;
  list-style: none;
  padding: 0;
}
.tag-list li {
  font-size: 12.5px;
  background: var(--light-blue);
  color: var(--navy);
  padding: 6px 12px;
  border-radius: 100px;
  font-weight: 500;
}
.serve-card .btn-text { margin-top: auto; align-self: flex-start; }

/* ============================================================
   Pillars (What Makes Us Different)
   ============================================================ */
.pillars {
  background: var(--light-blue);
}
.pillars-head { text-align: center; margin-bottom: 64px; }
.pillars-head h2 { margin-bottom: 12px; }
.pillars-head p { color: var(--body); max-width: 600px; margin: 0 auto; }

.pillars-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
@media (max-width: 800px) { .pillars-grid { grid-template-columns: 1fr; gap: 20px; } }

.pillar {
  background: var(--white);
  padding: 40px 36px;
  border-radius: var(--radius-lg);
  border: 1px solid var(--line);
}
.pillar-num {
  font-family: var(--serif);
  font-size: 14px;
  color: var(--navy);
  opacity: 0.5;
  margin-bottom: 24px;
  font-weight: 500;
  letter-spacing: 0.02em;
}
.pillar h3 {
  font-size: 22px;
  margin-bottom: 16px;
}

/* ============================================================
   Location line
   ============================================================ */
.location-line {
  text-align: center;
  padding: 48px 0;
  font-size: 14px;
  color: var(--body);
  border-bottom: 1px solid var(--line-soft);
  letter-spacing: 0.01em;
}
.location-line::before {
  content: "📍";
  display: inline-block;
  margin-right: 10px;
  font-size: 13px;
  filter: grayscale(1) opacity(0.6);
}

/* ============================================================
   CTA Banner
   ============================================================ */
.cta-banner {
  background: var(--navy);
  color: var(--white);
  text-align: center;
  padding: clamp(64px, 9vw, 120px) 0;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 800px 400px at 20% 0%, rgba(255,255,255,0.05), transparent 70%),
    radial-gradient(ellipse 600px 300px at 80% 100%, rgba(255,255,255,0.04), transparent 70%);
  pointer-events: none;
}
.cta-banner > .container { position: relative; }
.cta-banner h2 {
  color: var(--white);
  margin-bottom: 18px;
}
.cta-banner p {
  color: rgba(255,255,255,0.78);
  font-size: 18px;
  max-width: 580px;
  margin: 0 auto 36px;
}

/* ============================================================
   Footer
   ============================================================ */
.site-footer {
  background: var(--navy-deep);
  color: rgba(255,255,255,0.7);
  padding: 64px 0 32px;
  font-size: 14px;
}
.footer-top {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
@media (max-width: 800px) { .footer-top { grid-template-columns: 1fr; gap: 32px; } }

.footer-brand .logo { margin-bottom: 16px; }
.footer-brand p {
  color: rgba(255,255,255,0.6);
  font-size: 13.5px;
  line-height: 1.6;
  max-width: 320px;
  margin: 0;
}
.footer-col h5 {
  color: var(--white);
  font-family: var(--sans);
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  margin: 6px 0 18px;
}
.footer-col ul { list-style: none; padding: 0; margin: 0; }
.footer-col li { margin-bottom: 10px; }
.footer-col a {
  color: rgba(255,255,255,0.7);
  font-size: 14px;
  text-decoration: none;
}
.footer-col a:hover { color: var(--white); text-decoration: none; }

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 28px;
  gap: 24px;
  flex-wrap: wrap;
}
.footer-bottom p { margin: 0; color: rgba(255,255,255,0.5); font-size: 13px; }
.socials { display: flex; gap: 12px; }
.socials a {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: rgba(255,255,255,0.06);
  color: var(--white);
  transition: background 0.2s;
}
.socials a:hover { background: rgba(255,255,255,0.14); }
.socials svg { width: 16px; height: 16px; }

/* ============================================================
   Checklist (qualification)
   ============================================================ */
.qual-section { background: var(--light-blue-2); }
.qual-head { text-align: center; margin-bottom: 48px; }
.qual-head h2 { margin-bottom: 12px; }

.qual-list {
  max-width: 760px;
  margin: 0 auto;
  list-style: none;
  padding: 0;
  display: grid;
  gap: 14px;
}
.qual-list li {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 20px 24px 20px 60px;
  position: relative;
  font-size: 16px;
  line-height: 1.55;
  color: var(--ink);
}
.qual-list li::before {
  content: "";
  position: absolute;
  left: 20px;
  top: 22px;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--navy);
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'><polyline points='20 6 9 17 4 12'/></svg>");
  background-size: 14px;
  background-repeat: no-repeat;
  background-position: center;
}

/* ============================================================
   Pain Point Cards
   ============================================================ */
.pain-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-top: 48px;
}
@media (max-width: 800px) { .pain-grid { grid-template-columns: 1fr; } }

.pain-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-left: 4px solid var(--navy);
  border-radius: 4px;
  padding: 36px 32px;
}
.pain-card .num {
  font-family: var(--serif);
  color: var(--navy);
  font-size: 14px;
  font-weight: 500;
  letter-spacing: 0.04em;
  margin-bottom: 16px;
  opacity: 0.6;
}
.pain-card h3 {
  font-size: 20px;
  margin-bottom: 14px;
  line-height: 1.3;
}
.pain-card p { margin: 0; font-size: 15.5px; }

/* ============================================================
   Why Us — narrative block
   ============================================================ */
.why-block { background: var(--white); }
.why-inner { max-width: 820px; margin: 0 auto; }
.why-inner h2 { margin-bottom: 28px; }
.why-inner p { font-size: 17px; }
.sub-note {
  margin-top: 36px;
  padding: 28px 32px;
  background: var(--light-blue);
  border-radius: var(--radius);
}
.sub-note strong {
  display: block;
  color: var(--navy);
  font-family: var(--serif);
  font-size: 19px;
  font-weight: 500;
  margin-bottom: 8px;
}
.sub-note p { margin: 0; font-size: 15.5px; }

/* ============================================================
   Services table
   ============================================================ */
.services-block { background: var(--light-blue-2); }
.svc-head { text-align: center; margin-bottom: 56px; }
.svc-head h2 { margin-bottom: 12px; }

.svc-table {
  max-width: 960px;
  margin: 0 auto;
  border-top: 1px solid var(--line);
}
.svc-row {
  display: grid;
  grid-template-columns: 1fr 1.6fr;
  gap: 48px;
  padding: 28px 12px;
  border-bottom: 1px solid var(--line);
  align-items: start;
}
@media (max-width: 760px) {
  .svc-row { grid-template-columns: 1fr; gap: 8px; padding: 24px 4px; }
}
.svc-name {
  font-family: var(--serif);
  color: var(--navy);
  font-size: 19px;
  font-weight: 500;
  line-height: 1.3;
}
.svc-desc {
  font-size: 15.5px;
  line-height: 1.6;
  color: var(--body);
}

/* ============================================================
   How It Works (3-step)
   ============================================================ */
.steps-section { background: var(--white); }
.steps-head { text-align: center; margin-bottom: 64px; }

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  position: relative;
}
@media (max-width: 800px) {
  .steps-grid { grid-template-columns: 1fr; }
}
.step {
  background: var(--white);
  padding: 36px 32px;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  position: relative;
}
.step-num {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  display: grid;
  place-items: center;
  font-family: var(--serif);
  font-size: 17px;
  font-weight: 500;
  margin-bottom: 22px;
}
.step h4 {
  font-size: 20px;
  margin-bottom: 12px;
  color: var(--navy);
}
.step p { margin: 0; font-size: 15.5px; }

/* ============================================================
   Timeline cards (Stock page)
   ============================================================ */
.timeline-grid {
  max-width: 860px;
  margin: 48px auto 0;
  display: grid;
  gap: 18px;
}
.tl-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-left: 4px solid var(--navy);
  border-radius: 4px;
  padding: 28px 32px;
  display: grid;
  grid-template-columns: 110px 1fr;
  gap: 28px;
  align-items: start;
}
@media (max-width: 720px) {
  .tl-card { grid-template-columns: 1fr; gap: 8px; padding: 24px; }
}
.tl-card.red { border-left-color: var(--accent-red); }
.tl-month {
  font-family: var(--serif);
  color: var(--navy);
  font-size: 17px;
  font-weight: 500;
  letter-spacing: 0.06em;
}
.tl-card.red .tl-month { color: var(--accent-red); }
.tl-body h4 {
  font-size: 18px;
  margin-bottom: 8px;
  line-height: 1.35;
}
.tl-body p { margin: 0; font-size: 15.5px; }

.timeline-followup {
  max-width: 760px;
  margin: 48px auto 0;
  text-align: center;
  font-family: var(--serif);
  font-size: 22px;
  line-height: 1.5;
  color: var(--navy);
}

/* ============================================================
   Pricing Tiers (Services page)
   ============================================================ */
.tier-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 56px;
}
@media (max-width: 900px) { .tier-grid { grid-template-columns: 1fr; } }

.tier {
  background: var(--light-blue-2);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 40px 32px;
  display: flex;
  flex-direction: column;
  position: relative;
}
.tier.featured {
  background: var(--navy);
  color: rgba(255,255,255,0.85);
  border-color: var(--navy);
  transform: translateY(-8px);
}
@media (max-width: 900px) {
  .tier.featured { transform: none; }
}
.tier.featured h3, .tier.featured h4 { color: var(--white); }
.tier-name {
  font-family: var(--serif);
  font-size: 13px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--navy);
  opacity: 0.7;
  margin-bottom: 12px;
  font-weight: 500;
}
.tier.featured .tier-name { color: rgba(255,255,255,0.7); opacity: 1; }
.tier h3 {
  font-size: 28px;
  margin-bottom: 16px;
}
.tier > p {
  font-size: 15.5px;
  margin-bottom: 24px;
  flex-grow: 1;
}
.tier.featured > p { color: rgba(255,255,255,0.78); }

.tier-features {
  list-style: none;
  padding: 0;
  margin: 0 0 28px;
  display: grid;
  gap: 10px;
  border-top: 1px solid var(--line);
  padding-top: 22px;
}
.tier.featured .tier-features {
  border-top-color: rgba(255,255,255,0.15);
}
.tier-features li {
  font-size: 14.5px;
  padding-left: 22px;
  position: relative;
  line-height: 1.5;
}
.tier-features li::before {
  content: "";
  position: absolute;
  left: 0; top: 8px;
  width: 12px;
  height: 8px;
  border-left: 1.5px solid var(--navy);
  border-bottom: 1.5px solid var(--navy);
  transform: rotate(-45deg);
}
.tier.featured .tier-features li::before {
  border-color: var(--white);
}

.tier-badge {
  position: absolute;
  top: -12px;
  right: 24px;
  background: var(--white);
  color: var(--navy);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.14em;
  padding: 6px 14px;
  border-radius: 100px;
  text-transform: uppercase;
  border: 1px solid var(--navy);
}

/* ============================================================
   FAQ Accordion
   ============================================================ */
.faq-section { background: var(--light-blue-2); }
.faq-list {
  max-width: 820px;
  margin: 48px auto 0;
}
.faq-item {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  margin-bottom: 12px;
  overflow: hidden;
}
.faq-q {
  width: 100%;
  background: transparent;
  border: none;
  text-align: left;
  padding: 22px 26px;
  font-family: var(--serif);
  font-size: 19px;
  font-weight: 500;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
  line-height: 1.35;
}
.faq-q .ico {
  flex-shrink: 0;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--light-blue);
  display: grid;
  place-items: center;
  color: var(--navy);
  font-size: 14px;
  line-height: 1;
  transition: transform 0.25s ease, background 0.2s;
}
.faq-item.open .faq-q .ico {
  transform: rotate(45deg);
  background: var(--navy);
  color: var(--white);
}
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}
.faq-item.open .faq-a { max-height: 400px; }
.faq-a-inner {
  padding: 0 26px 24px;
  font-size: 15.5px;
  color: var(--body);
}

/* ============================================================
   Pricing Disclosure Line
   ============================================================ */
.pricing-disclosure {
  text-align: center;
  font-family: var(--serif);
  font-size: 20px;
  line-height: 1.5;
  color: var(--navy);
  max-width: 760px;
  margin: 0 auto;
}

/* ============================================================
   Compliance Table
   ============================================================ */
.compliance-table {
  max-width: 920px;
  margin: 40px auto 0;
  border-top: 1px solid var(--line);
}
.comp-row {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 32px;
  padding: 20px 12px;
  border-bottom: 1px solid var(--line);
  font-size: 15.5px;
}
@media (max-width: 720px) {
  .comp-row { grid-template-columns: 1fr; gap: 4px; padding: 18px 4px; }
}
.comp-row .name {
  font-family: var(--serif);
  color: var(--navy);
  font-size: 17px;
  font-weight: 500;
}
.comp-row .desc { color: var(--body); }

/* ============================================================
   Video Walkthrough Callout
   ============================================================ */
.video-callout {
  max-width: 900px;
  margin: 0 auto;
  background: var(--light-blue);
  border-radius: var(--radius-lg);
  padding: 48px;
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 40px;
  align-items: center;
}
@media (max-width: 760px) {
  .video-callout { grid-template-columns: 1fr; padding: 32px; gap: 24px; text-align: center; }
}
.video-icon {
  aspect-ratio: 4 / 3;
  background: var(--navy);
  border-radius: var(--radius);
  display: grid;
  place-items: center;
  color: var(--white);
  position: relative;
}
.play-tri {
  width: 0; height: 0;
  border-style: solid;
  border-width: 18px 0 18px 28px;
  border-color: transparent transparent transparent var(--white);
  margin-left: 6px;
}
.video-text h3 { font-size: 24px; margin-bottom: 14px; }
.video-text p { margin: 0; font-size: 15.5px; }

/* ============================================================
   About page specifics
   ============================================================ */
.about-hero-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: clamp(32px, 6vw, 80px);
  align-items: center;
}
@media (max-width: 880px) {
  .about-hero-grid { grid-template-columns: 1fr; }
}

.headshot-placeholder {
  aspect-ratio: 4 / 5;
  background: var(--light-blue);
  border-radius: var(--radius-lg);
  display: grid;
  place-items: center;
  text-align: center;
  padding: 32px;
  position: relative;
  overflow: hidden;
}
.headshot-placeholder::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: repeating-linear-gradient(
    135deg,
    transparent 0,
    transparent 14px,
    rgba(27, 58, 107, 0.04) 14px,
    rgba(27, 58, 107, 0.04) 15px
  );
}
.headshot-placeholder span {
  position: relative;
  font-family: ui-monospace, SFMono-Regular, Menlo, monospace;
  font-size: 12px;
  letter-spacing: 0.04em;
  color: var(--navy);
  background: rgba(255,255,255,0.85);
  padding: 10px 16px;
  border-radius: 4px;
  line-height: 1.5;
}

.story-block {
  max-width: 820px;
  margin: 0 auto;
}
.story-block p {
  font-size: 17px;
  line-height: 1.75;
}
.pull-quote {
  font-family: var(--serif);
  font-size: clamp(22px, 2.6vw, 28px);
  line-height: 1.45;
  color: var(--navy);
  border-left: 3px solid var(--navy);
  padding: 8px 0 8px 28px;
  margin: 40px 0;
  font-weight: 400;
  font-style: italic;
}

.expect-block { background: var(--light-blue-2); }
.expect-inner { max-width: 820px; margin: 0 auto; }
.expect-inner h2 { margin-bottom: 24px; }
.expect-inner p { font-size: 17px; }

.cred-table {
  max-width: 900px;
  margin: 32px auto 0;
  border-top: 1px solid var(--line);
}
.cred-row {
  display: grid;
  grid-template-columns: 200px 1fr;
  gap: 32px;
  padding: 22px 8px;
  border-bottom: 1px solid var(--line);
  font-size: 15.5px;
}
@media (max-width: 700px) {
  .cred-row { grid-template-columns: 1fr; gap: 6px; padding: 18px 4px; }
}
.cred-row .label {
  font-family: var(--sans);
  text-transform: uppercase;
  font-size: 12px;
  letter-spacing: 0.14em;
  color: var(--navy);
  font-weight: 500;
  padding-top: 4px;
}
.cred-row .value { color: var(--ink); }

.story-card {
  max-width: 860px;
  margin: 0 auto;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: clamp(40px, 5vw, 64px);
  position: relative;
}
.story-card::before {
  content: "“";
  position: absolute;
  top: 10px;
  left: 28px;
  font-family: var(--serif);
  font-size: 90px;
  color: var(--light-blue);
  line-height: 1;
}
.story-card h2 { margin-bottom: 24px; }
.story-card p { font-size: 17px; line-height: 1.7; }

/* ============================================================
   Page-specific hero variants
   ============================================================ */
.hero-services {
  background: var(--white);
  padding: clamp(72px, 9vw, 120px) 0 clamp(48px, 5vw, 72px);
  text-align: center;
  border-bottom: 1px solid var(--line-soft);
}
.hero-services h1 {
  max-width: 880px;
  margin: 0 auto 20px;
}
.hero-services p {
  max-width: 640px;
  margin: 0 auto;
  font-size: 18px;
}

/* ============================================================
   SVG placeholder helpers (for hero visuals)
   ============================================================ */
.placeholder-svg {
  width: 100%; height: 100%;
  display: block;
}

/* ============================================================
   Utilities
   ============================================================ */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }

.section-head {
  text-align: center;
  margin-bottom: 56px;
}
.section-head h2 { margin-bottom: 14px; }
.section-head p { max-width: 640px; margin: 0 auto; }

/* Subtle visual variety */
.alt-bg { background: var(--light-blue-2); }