/* ==========================================================================
   Wellesley Collective
   ========================================================================== */

:root {
  --navy: #122345;
  --navy-deep: #0a1b44;
  --navy-mid: #1a3358;
  --navy-soft: #243e68;
  --gold: #dbab56;
  --gold-light: #e8c57a;
  --gold-dark: #ad7427;
  --cream: #f6f3ec;
  --cream-dark: #ebe4d6;
  --ivory: #fbf9f5;
  --ink: #1a1f26;
  --slate: #4a5560;
  --muted: #6b7280;
  --line: #d9d3c7;
  --line-soft: #e8e2d6;
  --white: #ffffff;
  --danger: #9b3b3b;
  --success: #2f5d3a;
  --shadow: 0 18px 50px rgba(11, 28, 45, 0.12);
  --shadow-sm: 0 8px 24px rgba(11, 28, 45, 0.08);
  --radius: 14px;
  --header-h: 84px;
  --topbar-h: 40px;
  --max: 1180px;
  --font-serif: "Cormorant Garamond", "Times New Roman", serif;
  --font-sans: "Outfit", "Segoe UI", sans-serif;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--ivory);
  font-family: var(--font-sans);
  font-size: 16.5px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

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

a {
  color: inherit;
  text-decoration: none;
}

:focus-visible {
  outline: 2px solid var(--gold-dark);
  outline-offset: 3px;
}

.btn:focus-visible,
.nav-link:focus-visible,
.nav-btn:focus-visible,
.topbar-contact a:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
}

button,
input,
select,
textarea {
  font: inherit;
}

h1,
h2,
h3,
h4,
p {
  margin: 0;
}

ul {
  margin: 0;
  padding: 0;
  list-style: none;
}

.container {
  width: min(var(--max), calc(100% - 48px));
  margin: 0 auto;
}

.skip-link {
  position: absolute;
  left: 16px;
  top: -48px;
  background: var(--gold);
  color: var(--navy);
  padding: 8px 14px;
  z-index: 100;
}

.skip-link:focus {
  top: 8px;
}

/* -------------------------------------------------------------------------- */
/* Top bar + header
/* -------------------------------------------------------------------------- */

.topbar {
  background: var(--navy-deep);
  color: var(--gold-light);
  font-size: 12px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  min-height: var(--topbar-h);
  display: flex;
  align-items: center;
}

.topbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  width: 100%;
  min-height: var(--topbar-h);
}

.topbar-contact {
  display: flex;
  align-items: center;
  gap: 20px;
  letter-spacing: 0.04em;
  text-transform: none;
  font-size: 13px;
}

.topbar-contact a {
  color: var(--gold-light);
  white-space: nowrap;
}

.topbar-contact a:hover {
  color: var(--cream);
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(251, 249, 245, 0.94);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--line-soft);
}

.header-inner {
  min-height: var(--header-h);
  display: flex;
  align-items: center;
  gap: 28px;
}

.logo {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}

.logo-img {
  height: 58px;
  width: auto;
  display: block;
}

.logo-img-light {
  height: 62px;
}

.nav {
  display: flex;
  align-items: center;
  gap: 4px;
  margin-left: auto;
}

.nav-link,
.nav-btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 10px 10px;
  color: var(--navy);
  font-size: 14px;
  font-weight: 400;
  letter-spacing: 0.02em;
  background: none;
  border: 0;
  cursor: pointer;
  border-radius: 8px;
  white-space: nowrap;
}

.nav-link:hover,
.nav-btn:hover,
.nav-link.is-active,
.nav-item.open > .nav-btn {
  color: var(--gold-dark);
}

.nav-btn svg {
  width: 10px;
  height: 10px;
  transition: transform 0.2s ease;
}

.nav-item.open > .nav-btn svg {
  transform: rotate(180deg);
}

.nav-item {
  position: relative;
}

.nav-item::before {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  top: 100%;
  height: 16px;
}

.dropdown {
  position: absolute;
  top: calc(100% - 2px);
  left: 50%;
  transform: translateX(-50%) translateY(6px);
  min-width: 280px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 16px;
  box-shadow: var(--shadow);
  padding: 18px;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition: 0.18s ease;
  max-height: calc(100vh - 140px);
  overflow: auto;
  z-index: 60;
}

.dropdown-wide {
  width: 640px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px 28px;
}

.dropdown-wide.dropdown-3 {
  width: min(920px, calc(100vw - 32px));
  grid-template-columns: 1fr 1fr 1fr;
}

.dropdown.dropdown-end {
  left: auto;
  right: 0;
  transform: translateY(6px);
}

.dropdown-wide.dropdown-3.dropdown-end {
  width: min(760px, calc(100vw - 24px));
}

.nav-item:hover > .dropdown,
.nav-item:focus-within > .dropdown,
.nav-item.open > .dropdown {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}

.nav-item:hover > .dropdown.dropdown-end,
.nav-item:focus-within > .dropdown.dropdown-end,
.nav-item.open > .dropdown.dropdown-end {
  transform: translateY(0);
}

.dropdown-label {
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin: 4px 8px 10px;
  font-weight: 500;
}

.dropdown a {
  display: block;
  padding: 7px 8px;
  border-radius: 8px;
  color: var(--navy);
  font-size: 14px;
}

.dropdown a:hover {
  background: var(--cream);
  color: var(--navy);
}

.dropdown a em {
  display: block;
  font-style: normal;
  color: var(--muted);
  font-size: 12px;
  margin-top: 1px;
}

.header-cta {
  margin-left: 10px;
  flex-shrink: 0;
}

.menu-toggle {
  display: none;
  margin-left: auto;
  width: 42px;
  height: 42px;
  border: 1px solid var(--line);
  background: var(--white);
  border-radius: 8px;
  cursor: pointer;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 5px;
}

.menu-toggle span {
  display: block;
  width: 16px;
  height: 1.5px;
  background: var(--navy);
}

/* -------------------------------------------------------------------------- */
/* Buttons
/* -------------------------------------------------------------------------- */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 46px;
  padding: 0 20px;
  border-radius: 999px;
  border: 1px solid transparent;
  font-size: 14px;
  letter-spacing: 0.04em;
  font-weight: 500;
  cursor: pointer;
  transition: 0.18s ease;
  white-space: nowrap;
}

.btn-gold {
  background: var(--gold);
  color: var(--navy-deep);
  border-color: var(--gold);
}

.btn-gold:hover {
  background: var(--gold-light);
}

.btn-navy {
  background: var(--navy);
  color: var(--cream);
  border-color: var(--navy);
}

.btn-navy:hover {
  background: var(--navy-mid);
}

.btn-ghost {
  background: transparent;
  color: var(--cream);
  border-color: rgba(255, 255, 255, 0.35);
}

.btn-ghost:hover {
  background: rgba(255, 255, 255, 0.08);
  border-color: var(--gold);
  color: var(--gold-light);
}

.btn-outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--line);
}

.btn-outline:hover {
  border-color: var(--navy);
}

.btn-block {
  width: 100%;
}

/* -------------------------------------------------------------------------- */
/* Heroes
/* -------------------------------------------------------------------------- */

.hero {
  position: relative;
  min-height: 86vh;
  display: flex;
  align-items: flex-end;
  color: var(--cream);
  overflow: hidden;
}

.hero-media,
.page-hero-media {
  position: absolute;
  inset: 0;
}

.hero-media img,
.page-hero-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero-media::after,
.page-hero-media::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(180deg, rgba(18, 35, 69, 0.18) 0%, rgba(7, 19, 31, 0.78) 100%),
    linear-gradient(90deg, rgba(10, 27, 68, 0.55) 0%, rgba(10, 27, 68, 0.12) 62%),
    linear-gradient(0deg, rgba(219, 171, 86, 0.08), transparent 40%);
}

.hero-content {
  position: relative;
  z-index: 1;
  padding: 0 0 88px;
  max-width: 760px;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--gold-light);
  font-size: 12px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  margin-bottom: 18px;
}

.eyebrow::before {
  content: "";
  width: 28px;
  height: 1px;
  background: var(--gold);
}

h1,
.display {
  font-family: var(--font-serif);
  font-weight: 500;
  letter-spacing: -0.02em;
  line-height: 1.08;
}

.hero h1 {
  font-size: clamp(42px, 6vw, 76px);
  margin-bottom: 20px;
}

.lede {
  font-size: 18.5px;
  line-height: 1.7;
  color: rgba(246, 243, 236, 0.86);
  max-width: 62ch;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 32px;
}

.page-hero {
  position: relative;
  min-height: 420px;
  display: flex;
  align-items: flex-end;
  color: var(--cream);
  overflow: hidden;
}

.page-hero-content {
  position: relative;
  z-index: 1;
  padding: 0 0 64px;
  max-width: 760px;
}

.page-hero h1 {
  font-size: clamp(38px, 5vw, 62px);
  margin-bottom: 14px;
}

/* -------------------------------------------------------------------------- */
/* Sections
/* -------------------------------------------------------------------------- */

.section {
  padding: 96px 0;
}

.section-tight {
  padding: 72px 0;
}

.section-cream {
  background: var(--cream);
}

.section-navy {
  background: var(--navy);
  color: var(--cream);
}

.section-head {
  max-width: 680px;
  margin-bottom: 48px;
}

.section-head h2 {
  max-width: 16em;
}

.section-head.center,
.center {
  text-align: center;
  margin-left: auto;
  margin-right: auto;
}

.kicker {
  color: var(--gold-dark);
  font-size: 12px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  margin-bottom: 12px;
}

.section-navy .kicker,
.section-navy .eyebrow {
  color: var(--gold-light);
}

h2 {
  font-family: var(--font-serif);
  font-size: clamp(32px, 4vw, 46px);
  font-weight: 500;
  line-height: 1.15;
  color: var(--navy);
}

.section-navy h2,
.section-navy h3 {
  color: var(--cream);
}

.section-head p,
.subhead {
  margin-top: 14px;
  color: var(--slate);
  font-size: 17px;
}

.section-navy .section-head p,
.section-navy .subhead {
  color: rgba(246, 243, 236, 0.78);
}

/* -------------------------------------------------------------------------- */
/* Cards / grids
/* -------------------------------------------------------------------------- */

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}

.grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.card {
  background: var(--white);
  border: 1px solid var(--line-soft);
  border-radius: var(--radius);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: 0.2s ease;
}

.card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-sm);
  border-color: var(--gold);
}

.card-media {
  height: 248px;
  overflow: hidden;
  background: var(--navy-soft);
}

.card-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.card-body {
  padding: 26px 26px 28px;
  display: flex;
  flex-direction: column;
  flex: 1;
}

.card-tag {
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 10px;
}

.card h3 {
  font-family: var(--font-serif);
  font-size: 28px;
  font-weight: 500;
  color: var(--navy);
  line-height: 1.2;
}

.card p {
  margin: 12px 0 22px;
  color: var(--slate);
  flex: 1;
}

.card-soon {
  position: relative;
}

.badge {
  display: inline-flex;
  align-items: center;
  padding: 4px 10px;
  border-radius: 999px;
  background: var(--cream);
  color: var(--navy);
  font-size: 11px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.product-card {
  padding: 28px 26px 26px;
  background: var(--white);
  border: 1px solid var(--line-soft);
  border-radius: var(--radius);
  display: flex;
  flex-direction: column;
  min-height: 100%;
  transition: 0.2s ease;
}

.product-card:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-sm);
}

.product-card h3 {
  font-family: var(--font-serif);
  font-size: 26px;
  font-weight: 500;
  color: var(--navy);
  line-height: 1.2;
}

.aka {
  display: inline-block;
  margin-left: 8px;
  color: var(--gold-dark);
  font-family: var(--font-sans);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  vertical-align: middle;
}

.product-card p {
  margin: 12px 0 22px;
  color: var(--slate);
  flex: 1;
}

.product-card .who-line {
  margin: 8px 0 0;
  color: var(--navy);
  font-size: 13.5px;
  font-weight: 500;
  flex: 0;
}

.who-bar {
  padding: 28px 0;
  background: var(--cream);
  border-bottom: 1px solid var(--line-soft);
}

.who-bar .card-tag {
  margin-bottom: 8px;
}

.who-bar p:last-child {
  margin: 0;
  max-width: 72ch;
  color: var(--slate);
  font-size: 17px;
}

.product-index {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0 40px;
}

.product-index a {
  display: flex;
  gap: 14px;
  align-items: baseline;
  padding: 14px 0;
  border-bottom: 1px solid var(--line-soft);
  color: var(--navy);
}

.product-index a:hover span {
  color: var(--gold-dark);
}

.product-index strong {
  flex: 0 0 7.5rem;
  color: var(--gold-dark);
  font-size: 12px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.lead-heading {
  font-family: var(--font-serif);
  font-size: 28px;
  font-weight: 500;
  color: var(--navy);
  margin-bottom: 8px;
}

.lead-band {
  background: var(--cream);
}

.product-card .btn {
  align-self: flex-start;
}

.icon-dot {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 1px solid var(--gold);
  display: grid;
  place-items: center;
  margin-bottom: 16px;
  color: var(--gold-dark);
  font-family: var(--font-serif);
  font-size: 16px;
}

/* -------------------------------------------------------------------------- */
/* Trust / steps / split
/* -------------------------------------------------------------------------- */

.trust-bar {
  background: var(--navy);
  color: var(--cream);
  padding: 36px 0;
  border-top: 1px solid rgba(219, 171, 86, 0.28);
}

.trust-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.trust-item strong {
  display: block;
  font-family: var(--font-serif);
  font-size: 22px;
  font-weight: 500;
  color: var(--gold-light);
}

.trust-item span {
  display: block;
  font-size: 13.5px;
  color: rgba(246, 243, 236, 0.72);
  margin-top: 4px;
}

.split {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 64px;
  align-items: center;
}

.split img,
.split .photo-frame img {
  width: 100%;
  height: 460px;
  object-fit: cover;
  border-radius: 18px;
}

.photo-frame {
  margin: 0;
}

.photo-frame figcaption {
  margin-top: 10px;
  font-size: 13px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--muted);
}

.pull-quote {
  max-width: 34ch;
  margin: 0 auto;
  text-align: center;
}

.pull-quote p {
  font-family: var(--font-serif);
  font-size: clamp(32px, 4.4vw, 48px);
  font-weight: 500;
  line-height: 1.2;
  color: var(--navy);
}

.pull-quote cite {
  display: block;
  margin-top: 18px;
  font-style: normal;
  font-size: 12px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-dark);
}

.split-copy h2 {
  margin-bottom: 16px;
}

.split-copy p + p {
  margin-top: 14px;
}

.split-copy p {
  color: var(--slate);
}

.about-principal .photo-frame img {
  height: auto;
  aspect-ratio: 1 / 1;
  max-height: 540px;
  object-position: center 20%;
  background: #e8edf3;
}

.about-facts {
  list-style: none;
  margin: 22px 0 0;
  padding: 0;
  border-top: 1px solid var(--line-soft);
}

.about-facts li {
  display: grid;
  grid-template-columns: 9.5rem 1fr;
  gap: 12px;
  padding: 12px 0;
  border-bottom: 1px solid var(--line-soft);
  color: var(--navy);
  font-size: 15px;
}

.about-facts strong {
  color: var(--muted);
  font-size: 12px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-weight: 500;
  padding-top: 2px;
}

.state-list {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.state-list span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 52px;
  padding: 8px 12px;
  border: 1px solid var(--line);
  border-radius: 999px;
  color: var(--navy);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.08em;
}

.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.step {
  padding-right: 12px;
}

.step-num {
  font-family: var(--font-serif);
  font-size: 40px;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 12px;
}

.step h3 {
  font-family: var(--font-serif);
  font-size: 26px;
  font-weight: 500;
  color: var(--navy);
  margin-bottom: 10px;
}

.step p {
  color: var(--slate);
}

.pillars {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.pillar {
  padding: 28px 24px;
  border-top: 2px solid var(--gold);
}

.section-navy .pillar {
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(196, 164, 106, 0.25);
  border-top: 2px solid var(--gold);
  border-radius: 14px;
}

.pillar h3 {
  font-family: var(--font-serif);
  font-size: 26px;
  font-weight: 500;
  margin-bottom: 10px;
}

.pillar p {
  color: var(--slate);
}

.section-navy .pillar p {
  color: rgba(246, 243, 236, 0.75);
}

/* -------------------------------------------------------------------------- */
/* Forms
/* -------------------------------------------------------------------------- */

.form {
  display: grid;
  gap: 16px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.field {
  display: flex;
  flex-direction: column;
  gap: 7px;
}

.field label {
  font-size: 13px;
  letter-spacing: 0.04em;
  color: var(--navy);
  font-weight: 500;
}

.field input,
.field select,
.field textarea {
  width: 100%;
  border: 1px solid var(--line);
  background: var(--white);
  border-radius: 10px;
  padding: 12px 14px;
  color: var(--ink);
  outline: none;
}

.field textarea {
  min-height: 130px;
  resize: vertical;
}

.field input:focus,
.field select:focus,
.field textarea:focus {
  border-color: var(--gold-dark);
  box-shadow: 0 0 0 3px rgba(196, 164, 106, 0.18);
}

.form-note {
  font-size: 13px;
  color: var(--muted);
}

.hp-field {
  display: none !important;
}

.contact-direct {
  padding: 18px 0 4px;
}

.contact-phone a,
.contact-email a {
  color: var(--navy);
  font-weight: 500;
}

.contact-phone a {
  font-size: 22px;
  letter-spacing: 0.02em;
}

.contact-email a {
  font-size: 16px;
}

.contact-phone a:hover,
.contact-email a:hover {
  color: var(--gold-dark);
}

.form-success {
  display: none;
  padding: 22px;
  background: #eef5ef;
  border: 1px solid #c9ddcd;
  color: var(--success);
  border-radius: 12px;
}

.form.is-success .form-success {
  display: block;
}

.form.is-success .form-fields {
  display: none;
}

.form-error {
  color: var(--danger);
  font-size: 13px;
}

.intake-wrap {
  max-width: 820px;
}

.intake-form {
  background: var(--white);
  border: 1px solid var(--line-soft);
  border-radius: 18px;
  padding: 32px;
}

.intake-h {
  font-family: var(--font-serif);
  font-size: 26px;
  font-weight: 500;
  color: var(--navy);
  margin: 16px 0 4px;
}

.req {
  color: var(--gold-dark);
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  font-size: 11px;
}

.check-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px 18px;
  margin: 4px 0 12px;
}

.check {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14.5px;
  color: var(--navy);
  cursor: pointer;
  line-height: 1.35;
}

.check input {
  margin-top: 3px;
  accent-color: var(--navy);
  flex-shrink: 0;
}

.file-list {
  list-style: none;
  padding: 0;
  margin: 0;
  font-size: 13px;
  color: var(--slate);
}

.file-list li {
  padding: 6px 0;
  border-bottom: 1px solid var(--line-soft);
}

.intake-success[hidden],
.intake-form[hidden],
[hidden] {
  display: none !important;
}

.start-wrap {
  max-width: 740px;
}

.start-path {
  margin-bottom: 28px;
}

.start-path fieldset {
  border: 0;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 8px;
}

.start-path legend {
  font-size: 13px;
  letter-spacing: 0.04em;
  color: var(--navy);
  font-weight: 500;
  padding: 0;
  float: none;
  width: auto;
}

.start-path select {
  width: 100%;
  border: 1px solid var(--line);
  background: var(--white);
  border-radius: 10px;
  padding: 12px 14px;
  color: var(--ink);
  outline: none;
}

.start-path select:focus {
  border-color: var(--gold-dark);
  box-shadow: 0 0 0 3px rgba(196, 164, 106, 0.18);
}

.start-actions {
  margin-top: 8px;
}

.start-path .disclaimer {
  margin-top: 8px;
}

.start-talk {
  margin-top: 8px;
}

.quote-layout {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 56px;
  align-items: start;
}

.panel {
  background: var(--white);
  border: 1px solid var(--line-soft);
  border-radius: 18px;
  padding: 32px;
}

/* -------------------------------------------------------------------------- */
/* Product / coming soon
/* -------------------------------------------------------------------------- */

.breadcrumb {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  font-size: 13px;
  color: var(--muted);
  margin-bottom: 18px;
}

.breadcrumb a:hover {
  color: var(--gold-dark);
}

.product-layout {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 48px;
  align-items: start;
}

.feature-list {
  margin: 22px 0 0;
  display: grid;
  gap: 10px;
}

.feature-list li {
  padding-left: 22px;
  position: relative;
  color: var(--slate);
}

.feature-list li::before {
  content: "";
  width: 8px;
  height: 8px;
  border: 1px solid var(--gold);
  border-radius: 50%;
  position: absolute;
  left: 0;
  top: 8px;
}

.sticky-card {
  position: sticky;
  top: 120px;
}

.plain-callout {
  font-family: var(--font-serif);
  font-size: 23px;
  line-height: 1.45;
  color: var(--navy);
  background: var(--cream);
  border-left: 3px solid var(--gold);
  padding: 18px 22px;
  border-radius: 0 12px 12px 0;
  margin: 8px 0 28px;
}

.product-prose {
  color: var(--slate);
  font-size: 17px;
  line-height: 1.75;
}

.explain-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-top: 28px;
}

.explain-card {
  background: var(--white);
  border: 1px solid var(--line-soft);
  border-radius: 14px;
  padding: 20px 22px 8px;
}

.example-box,
.notes-box {
  margin-top: 20px;
  padding: 20px 22px;
  border-radius: 14px;
}

.example-box {
  background: #f3efe4;
  border: 1px solid var(--line-soft);
}

.example-box p:last-child {
  color: var(--slate);
  margin-top: 8px;
  font-size: 16.5px;
}

.notes-box {
  background: var(--white);
  border: 1px solid var(--line-soft);
}

.quote-apply {
  width: 100%;
}

.quote-apply-frame {
  width: 100%;
  min-width: 0;
}

.quote-cta-panel {
  margin-bottom: 22px;
  padding-bottom: 22px;
  border-bottom: 1px solid var(--line-soft);
}

.quote-cta-panel p {
  color: var(--slate);
  margin: 8px 0 16px;
}

.card-body .hero-actions {
  margin-top: 8px;
}

.coming-soon {
  min-height: 70vh;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 56px;
  align-items: center;
}

.soon-badge {
  display: inline-block;
  border: 1px solid var(--gold);
  color: var(--gold-dark);
  padding: 6px 12px;
  border-radius: 999px;
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  margin-bottom: 16px;
}

/* -------------------------------------------------------------------------- */
/* Footer
/* -------------------------------------------------------------------------- */

.site-footer {
  background: var(--navy-deep);
  color: rgba(246, 243, 236, 0.78);
  padding: 72px 0 28px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr 1fr;
  gap: 36px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.site-footer h4 {
  color: var(--cream);
  font-size: 13px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  margin-bottom: 16px;
  font-weight: 500;
}

.site-footer a {
  display: block;
  padding: 4px 0;
  color: rgba(246, 243, 236, 0.72);
}

.site-footer a:hover {
  color: var(--gold-light);
}

.footer-brand p {
  margin-top: 14px;
  max-width: 34ch;
  font-size: 14.5px;
}

.footer-legal {
  padding-top: 22px;
  display: flex;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
  font-size: 13px;
  color: rgba(246, 243, 236, 0.5);
}

.disclaimer {
  font-size: 13px;
  color: var(--muted);
  max-width: 80ch;
}

.section-navy .disclaimer {
  color: rgba(246, 243, 236, 0.55);
}

/* -------------------------------------------------------------------------- */
/* Utilities
/* -------------------------------------------------------------------------- */

.mt-8 { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mb-8 { margin-bottom: 8px; }

.cta-band {
  background:
    linear-gradient(180deg, rgba(7, 19, 31, 0.72), rgba(7, 19, 31, 0.82)),
    url("../assets/images/hero-city.jpg") center/cover;
  color: var(--cream);
  padding: 88px 0;
  text-align: center;
}

.cta-band h2 {
  color: var(--cream);
}

.cta-band p {
  color: rgba(246, 243, 236, 0.78);
  max-width: 58ch;
  margin: 14px auto 28px;
}

.anchor,
.section[id],
.tool-group[id] {
  scroll-margin-top: 130px;
}

/* -------------------------------------------------------------------------- */
/* Responsive
/* -------------------------------------------------------------------------- */

/* -------------------------------------------------------------------------- */
/* Blog / insights
/* -------------------------------------------------------------------------- */

.live-head {
  display: flex;
  justify-content: space-between;
  gap: 24px;
  align-items: flex-end;
  margin-bottom: 28px;
}

.live-head h2 {
  margin-top: 4px;
}

.live-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-shrink: 0;
}

.live-dot {
  display: inline-block;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #c45a5a;
  box-shadow: 0 0 0 0 rgba(196, 90, 90, 0.6);
  animation: pulse 1.8s infinite;
  margin-right: 8px;
}

@keyframes pulse {
  0% { box-shadow: 0 0 0 0 rgba(196, 90, 90, 0.45); }
  70% { box-shadow: 0 0 0 8px rgba(196, 90, 90, 0); }
  100% { box-shadow: 0 0 0 0 rgba(196, 90, 90, 0); }
}

.blog-filters {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 22px;
}

.filter-btn {
  border: 1px solid var(--line);
  background: var(--white);
  color: var(--navy);
  border-radius: 999px;
  padding: 8px 14px;
  cursor: pointer;
  font-size: 13.5px;
}

.filter-btn.is-active,
.filter-btn:hover {
  background: var(--navy);
  color: var(--cream);
  border-color: var(--navy);
}

.news-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}

.news-card {
  background: var(--white);
  border: 1px solid var(--line-soft);
  border-radius: 14px;
  padding: 20px 22px;
}

.news-card h3 {
  font-family: var(--font-serif);
  font-size: 22px;
  font-weight: 500;
  line-height: 1.25;
  color: var(--navy);
}

.news-card h3 a:hover {
  color: var(--gold-dark);
}

.news-card p {
  margin-top: 10px;
  color: var(--slate);
  font-size: 15px;
}

.news-meta {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  font-size: 12px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 10px;
}

.article-wrap {
  max-width: 760px;
}

.article-wrap h1 {
  font-size: clamp(34px, 5vw, 52px);
  margin: 8px 0 10px;
}

.article-meta {
  color: var(--muted);
  font-size: 14px;
  margin-bottom: 18px;
}

.article-body {
  margin-top: 28px;
  color: var(--slate);
}

.article-body h2 {
  font-size: 28px;
  margin: 32px 0 12px;
}

.article-body p,
.article-body li {
  font-size: 17.5px;
  line-height: 1.75;
}

.article-body p + p {
  margin-top: 16px;
}

.article-body a {
  color: var(--navy);
  text-decoration: underline;
  text-underline-offset: 3px;
}

.article-body ul {
  margin: 14px 0 0 18px;
  list-style: disc;
}

.article-body li + li {
  margin-top: 8px;
}

.article-sources {
  margin-top: 28px;
  font-size: 14px !important;
  color: var(--muted) !important;
}

.archive-month + .archive-month {
  margin-top: 36px;
}

.archive-month h3 {
  font-family: var(--font-serif);
  font-size: 26px;
  font-weight: 500;
  color: var(--navy);
  margin-bottom: 12px;
  padding-bottom: 8px;
  border-bottom: 1px solid var(--line);
}

.archive-list {
  display: grid;
  gap: 10px;
}

.archive-item {
  display: flex;
  justify-content: space-between;
  gap: 20px;
  align-items: center;
  background: var(--white);
  border: 1px solid var(--line-soft);
  border-radius: 14px;
  padding: 18px 20px;
}

.archive-item h4 {
  font-family: var(--font-serif);
  font-size: 22px;
  font-weight: 500;
  line-height: 1.25;
  margin: 4px 0 8px;
}

.archive-item h4 a:hover {
  color: var(--gold-dark);
}

.archive-item p {
  color: var(--slate);
  font-size: 15px;
}

.archive-item .btn {
  flex-shrink: 0;
}

@media (max-width: 1180px) {
  .header-cta {
    display: none;
  }

  .nav-link,
  .nav-btn {
    padding: 10px 8px;
    font-size: 13.5px;
  }
}

@media (max-width: 1240px) and (min-width: 981px) {
  .nav-link,
  .nav-btn {
    padding: 10px 7px;
    font-size: 13.5px;
  }

  .header-inner {
    gap: 16px;
  }

  .dropdown-wide.dropdown-3:not(.dropdown-end) {
    width: 640px;
    grid-template-columns: 1fr 1fr;
  }

  .dropdown-wide.dropdown-3.dropdown-end {
    width: min(680px, calc(100vw - 24px));
    grid-template-columns: 1fr 1fr 1fr;
  }
}

@media (max-width: 980px) {
  .grid-3,
  .grid-4,
  .rate-grid,
  .tool-layout,
  .tool-index,
  .tool-desks,
  .trust-row,
  .steps,
  .pillars,
  .split,
  .quote-layout,
  .product-index,
  .product-layout,
  .coming-soon,
  .check-grid,
  .footer-grid,
  .dropdown-wide,
  .news-grid,
  .live-head,
  .explain-grid {
    grid-template-columns: 1fr;
  }

  .live-head {
    flex-direction: column;
    align-items: flex-start;
  }

  .archive-item {
    flex-direction: column;
    align-items: flex-start;
  }

  .grid-2 {
    grid-template-columns: 1fr;
  }

  .menu-toggle {
    display: flex;
  }

  .header-cta {
    display: none;
  }

  .nav {
    display: none;
    position: absolute;
    left: 0;
    right: 0;
    top: 100%;
    background: var(--ivory);
    border-bottom: 1px solid var(--line);
    flex-direction: column;
    align-items: stretch;
    padding: 12px 20px 20px;
    margin: 0;
    max-height: calc(100vh - 120px);
    overflow: auto;
  }

  body.nav-open .nav {
    display: flex;
  }

  .dropdown,
  .dropdown-wide {
    position: static;
    transform: none;
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    display: none;
    width: auto;
    min-width: 0;
    box-shadow: none;
    border: 0;
    background: transparent;
    padding: 4px 0 8px 12px;
  }

  .nav-item.open > .dropdown {
    display: block;
  }

  .dropdown-wide {
    display: none;
  }

  .nav-item.open > .dropdown-wide {
    display: grid;
  }

  .hero {
    min-height: 78vh;
  }

  .hero-content,
  .page-hero-content {
    padding-bottom: 52px;
  }

  .split img,
  .split .photo-frame img {
    height: 280px;
  }

  .about-principal .photo-frame img {
    height: auto;
    max-height: 420px;
  }

  .about-facts li {
    grid-template-columns: 1fr;
    gap: 4px;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .rates-toolbar {
    flex-direction: column;
    align-items: flex-start;
  }

  .curve-board {
    grid-template-columns: repeat(4, 1fr);
  }
}

@media (max-width: 640px) {
  .container {
    width: min(var(--max), calc(100% - 32px));
  }

  .section {
    padding: 68px 0;
  }

  .topbar {
    font-size: 10px;
    letter-spacing: 0.1em;
    padding: 8px 0;
    text-align: center;
  }

  .topbar-inner {
    flex-wrap: wrap;
    justify-content: center;
  }

  .topbar-contact {
    font-size: 12px;
    gap: 14px;
  }

  .logo-img {
    height: 44px;
  }

  .logo-img-light {
    height: 50px;
  }

  .hero {
    min-height: 72vh;
  }

  .page-hero {
    min-height: 340px;
  }
}

.zoho-embed {
  width: 100%;
}

.zoho-embed #crmWebToEntityForm.zcwf_lblLeft {
  max-width: none !important;
  width: 100% !important;
  padding: 0 !important;
  margin: 0 !important;
  background: transparent !important;
  color: var(--navy) !important;
  font-family: var(--font-sans) !important;
}

.zoho-embed .zcwf_title {
  font-family: var(--font-serif) !important;
  font-size: 28px !important;
  font-weight: 500 !important;
  color: var(--navy) !important;
  padding: 0 0 12px !important;
}

.zoho-embed .zcwf_lblLeft .zcwf_col_lab,
.zoho-embed .zcwf_lblLeft .zcwf_col_lab label {
  font-family: var(--font-sans) !important;
  font-size: 14px !important;
  color: var(--navy) !important;
  width: 100% !important;
  float: none !important;
  margin: 0 0 6px !important;
}

.zoho-embed .zcwf_lblLeft .zcwf_col_fld {
  width: 100% !important;
  float: none !important;
  padding: 0 !important;
}

.zoho-embed .zcwf_lblLeft .zcwf_col_fld input[type="text"],
.zoho-embed .zcwf_lblLeft .zcwf_col_fld textarea,
.zoho-embed .zcwf_lblLeft .zcwf_col_fld_slt {
  width: 100% !important;
  float: none !important;
  border: 1px solid var(--line) !important;
  border-radius: 10px !important;
  padding: 12px 14px !important;
  font-size: 16px !important;
  font-family: var(--font-sans) !important;
  color: var(--ink) !important;
  background: var(--white) !important;
}

.zoho-embed .zcwf_lblLeft .zcwf_col_fld textarea {
  min-height: 120px;
}

.zoho-embed .zcwf_lblLeft .zcwf_row {
  margin: 0 0 16px !important;
}

.zoho-embed .formsubmit.zcwf_button {
  background: var(--gold) !important;
  color: var(--navy-deep) !important;
  border: 1px solid var(--gold) !important;
  border-radius: 999px !important;
  min-height: 46px;
  padding: 0 22px !important;
  max-width: none !important;
  font-size: 14px !important;
  font-weight: 500 !important;
  letter-spacing: 0.04em;
  box-shadow: none !important;
}

.zoho-embed input.zcwf_button[type="reset"] {
  display: none !important;
}

.calendly-block {
  max-width: 860px;
  margin: 0 auto;
}

.calendly-block .subhead {
  margin-bottom: 18px;
}

.calendly-block .btn {
  margin-bottom: 28px;
}

.calendly-inline-widget {
  overflow: hidden;
  border-radius: 14px;
  border: 1px solid var(--line-soft);
  background: var(--white);
}

.rates-toolbar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  margin-bottom: 28px;
}

.rate-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.rate-card {
  background: var(--white);
  border: 1px solid var(--line-soft);
  border-radius: 16px;
  padding: 22px 22px 18px;
  box-shadow: var(--shadow-sm);
}

.rate-card h3 {
  font-family: var(--font-serif);
  font-size: 24px;
  font-weight: 500;
  color: var(--navy);
  margin: 6px 0 12px;
}

.rate-value {
  font-family: var(--font-serif);
  font-size: 40px;
  line-height: 1;
  color: var(--navy-deep);
  font-weight: 500;
}

.rate-meta {
  margin-top: 10px;
  font-size: 13px;
  color: var(--muted);
}

.rate-card.is-live {
  border-color: #c9d7c6;
}

.rate-card.is-fallback .rate-value {
  color: var(--navy-mid);
}

.curve-board {
  display: grid;
  grid-template-columns: repeat(8, 1fr);
  gap: 12px;
  align-items: end;
  min-height: 220px;
  margin: 8px 0 28px;
  padding: 18px 18px 12px;
  background: var(--cream);
  border: 1px solid var(--line-soft);
  border-radius: 16px;
}

.curve-col {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  height: 190px;
}

.curve-bar {
  flex: 1;
  width: 100%;
  max-width: 42px;
  display: flex;
  align-items: flex-end;
  background: rgba(18, 35, 69, 0.08);
  border-radius: 10px 10px 4px 4px;
  overflow: hidden;
}

.curve-fill {
  display: block;
  width: 100%;
  height: 40%;
  background: linear-gradient(180deg, var(--gold-light), var(--navy));
  border-radius: 10px 10px 4px 4px;
  transition: height 0.35s ease;
}

.curve-rate {
  font-size: 13px;
  font-weight: 500;
  color: var(--navy);
}

.curve-tenor {
  font-size: 12px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--muted);
}

#rates-dashboard.is-loading .rate-value {
  opacity: 0.55;
}

.tool-index {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
}

.tool-desks {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.tool-desk {
  background: var(--white);
  border: 1px solid var(--line-soft);
  border-radius: 16px;
  padding: 22px 24px 12px;
}

.tool-desk h3 {
  font-family: var(--font-serif);
  font-size: 24px;
  font-weight: 500;
  color: var(--navy);
  margin: 8px 0 14px;
}

.tool-desk a {
  display: block;
  padding: 12px 0;
  border-top: 1px solid var(--line-soft);
  color: var(--navy);
}

.tool-desk a:hover strong {
  color: var(--gold-dark);
}

.tool-desk a strong {
  display: block;
  font-size: 15px;
}

.tool-desk a span {
  display: block;
  margin-top: 4px;
  color: var(--muted);
  font-size: 13px;
}

.tool-group {
  padding-bottom: 0;
}

.tool-group + .section {
  padding-top: 36px;
}

.tool-index a {
  display: flex;
  flex-direction: column;
  gap: 8px;
  padding: 18px 20px;
  background: var(--white);
  border: 1px solid var(--line-soft);
  border-radius: 14px;
  color: var(--navy);
}

.tool-index a:hover {
  border-color: var(--gold);
}

.tool-index strong {
  color: var(--gold-dark);
  letter-spacing: 0.12em;
  font-size: 12px;
}

.tool-layout {
  display: grid;
  grid-template-columns: 0.95fr 1.05fr;
  gap: 40px;
  align-items: start;
}

.tool-form {
  margin-top: 18px;
}

.tool-output .result-card {
  background: var(--white);
  border: 1px solid var(--line-soft);
  border-radius: 16px;
  padding: 24px;
  box-shadow: var(--shadow-sm);
}

.result-card h3 {
  font-family: var(--font-serif);
  font-size: 28px;
  font-weight: 500;
  color: var(--navy);
  margin: 6px 0 12px;
}

.result-card h3.mini {
  font-family: var(--font-sans);
  font-size: 12px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin: 22px 0 10px;
}

.risk-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 12px 0 16px;
}

.risk-pill {
  display: inline-flex;
  padding: 6px 10px;
  border-radius: 999px;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.04em;
}

.risk-pill.is-on {
  background: #f4e4d4;
  color: #7a3e12;
}

.risk-pill.is-off {
  background: #e7eee6;
  color: #2f5d3a;
}

.risk-pill.is-mid {
  background: #f4ead0;
  color: #7a5a16;
}

.entity-picks {
  display: grid;
  gap: 10px;
  margin: 16px 0;
}

.entity-pick {
  text-align: left;
  background: var(--ivory);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 14px 16px;
  cursor: pointer;
  color: var(--navy);
}

.entity-pick:hover {
  border-color: var(--gold);
}

.entity-pick strong,
.entity-pick span {
  display: block;
}

.entity-pick span {
  margin-top: 4px;
  color: var(--muted);
  font-size: 13px;
}

.spec-list {
  display: grid;
  gap: 0;
  margin: 12px 0 16px;
}

.spec-list > div {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  padding: 10px 0;
  border-bottom: 1px solid var(--line-soft);
}

.spec-list dt {
  color: var(--muted);
  font-size: 13px;
}

.spec-list dd {
  margin: 0;
  color: var(--navy);
  font-weight: 500;
  text-align: right;
}

.inflate-row {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 6px 12px;
  margin: 12px 0;
  color: var(--navy);
  font-size: 14px;
}

.inflate-track {
  grid-column: 1 / -1;
  height: 10px;
  background: var(--cream-dark);
  border-radius: 999px;
  overflow: hidden;
}

.inflate-track i {
  display: block;
  height: 100%;
  border-radius: 999px;
}

.inflate-track i.is-erode {
  background: var(--navy-soft);
}

.inflate-track i.is-fixed {
  background: var(--gold-dark);
}

.inflate-track i.is-index {
  background: var(--gold);
}

.form-note.is-error {
  color: var(--danger);
}

.form-note.is-live {
  color: var(--success);
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    animation: none !important;
    transition: none !important;
  }

  .card:hover {
    transform: none;
  }
}