/* ============================================
   AT RESEARCH & RISK MANAGERS
   Navy / Gold / Cream — shared stylesheet
   ============================================ */

/* --- Tokens --------------------------------- */
:root {
  --cream:        #fafaf6;
  --cream-2:      #f4efe2;
  --cream-3:      #e9e3d3;
  --rule:         #e5dfd1;
  --rule-2:       #d5cfc1;
  --navy:         #0d2c4e;
  --navy-2:       #14406e;
  --navy-light:   #1a4d7c;
  --gold:         #b8923f;
  --gold-2:       #d4af55;
  --gold-soft:    rgba(184, 146, 63, 0.08);
  --text:         #1d2433;
  --text-mute:    #4a4a4a;
  --text-dim:     #6e6e6e;
  --text-faint:   #9a9a9a;
  --green:        #0d8a4f;   /* +ve numbers only — semantic */
  --red:          #b91c1c;   /* -ve numbers / SL labels — semantic */

  --font-display: 'Manrope', -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --font-body:    'Manrope', -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --font-mono:    'JetBrains Mono', ui-monospace, "Cascadia Code", "Source Code Pro", Menlo, monospace;

  --max:    1200px;
  --gap:    1.5rem;
  --gap-l:  3rem;
  --gap-xl: 5rem;
}

/* --- Reset ---------------------------------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}

body {
  background: var(--cream);
  color: var(--text);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.65;
  font-weight: 400;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  min-height: 100vh;
  overflow-x: hidden;
}

img, svg { display: block; max-width: 100%; }
button { font: inherit; cursor: pointer; border: none; background: none; color: inherit; }
a { color: var(--navy); text-decoration: none; transition: color 0.15s; }
a:hover { color: var(--gold); }

/* Focus rings */
*:focus { outline: none; }
*:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 2px;
}

/* --- Skip link ------------------------------ */
.skip {
  position: absolute;
  top: -100px;
  left: 1rem;
  background: var(--gold);
  color: var(--navy);
  padding: 0.75rem 1.25rem;
  font-family: var(--font-mono);
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  z-index: 1000;
  transition: top 0.15s;
  border-radius: 3px;
}
.skip:focus { top: 1rem; color: var(--navy); }

/* --- Layout helpers ------------------------- */
.container {
  width: 100%;
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 1.5rem;
}

.eyebrow {
  font-family: var(--font-mono);
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold);
}

.eyebrow-mute {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--text-dim);
}

.figlabel {
  font-family: var(--font-mono);
  font-size: 0.7rem;
  letter-spacing: 0.13em;
  text-transform: uppercase;
  color: var(--gold);
}

/* --- Header --------------------------------- */
.site-header {
  background: var(--navy);
  color: var(--cream);
  position: sticky;
  top: 0;
  z-index: 50;
  border-bottom: 2px solid var(--gold);
}
.header-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.95rem 1.5rem;
  max-width: var(--max);
  margin: 0 auto;
}
.brand {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  color: var(--cream);
}
.brand:hover { color: var(--cream); }
.brand-logo {
  height: 42px;
  width: auto;
  display: block;
  flex-shrink: 0;
}
.brand-sub {
  font-family: var(--font-mono);
  font-size: 0.66rem;
  letter-spacing: 0.18em;
  color: rgba(250, 250, 246, 0.55);
  text-transform: uppercase;
  border-left: 1px solid rgba(250, 250, 246, 0.18);
  padding-left: 0.85rem;
}
.nav {
  display: flex;
  align-items: center;
  gap: 1.85rem;
}
.nav a {
  font-family: var(--font-display);
  font-size: 0.88rem;
  font-weight: 500;
  color: rgba(250, 250, 246, 0.72);
  padding: 0.5rem 0;
  border-bottom: 2px solid transparent;
  transition: color 0.15s, border-color 0.15s;
}
.nav a:hover { color: var(--cream); }
.nav a[aria-current="page"] {
  color: var(--gold-2);
  border-bottom-color: var(--gold);
}
.nav-cta {
  font-family: var(--font-display);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy) !important;
  background: var(--gold);
  padding: 0.55rem 1.05rem;
  border: 2px solid var(--gold);
  transition: background 0.15s;
  border-radius: 3px;
  letter-spacing: 0.01em;
}
.nav-cta:hover { background: var(--gold-2); border-color: var(--gold-2); color: var(--navy) !important; }

.menu-btn {
  display: none;
  width: 40px;
  height: 40px;
  align-items: center;
  justify-content: center;
}
.menu-btn span,
.menu-btn span::before,
.menu-btn span::after {
  content: '';
  display: block;
  width: 22px;
  height: 2px;
  background: var(--cream);
  position: relative;
  transition: transform 0.2s;
}
.menu-btn span::before { position: absolute; top: -7px; }
.menu-btn span::after  { position: absolute; top:  7px; }
.menu-btn[aria-expanded="true"] span { background: transparent; }
.menu-btn[aria-expanded="true"] span::before { transform: translateY(7px) rotate(45deg); }
.menu-btn[aria-expanded="true"] span::after  { transform: translateY(-7px) rotate(-45deg); }

/* --- Hero ----------------------------------- */
.hero {
  padding: var(--gap-l) 0 var(--gap-xl);
  position: relative;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: var(--gap-l);
  align-items: start;
}
h1.hero-title {
  font-family: var(--font-display);
  font-size: clamp(2.2rem, 4.8vw, 3.8rem);
  font-weight: 700;
  line-height: 1.06;
  letter-spacing: -0.02em;
  color: var(--navy);
  margin: 0.85rem 0 1.2rem;
  text-wrap: balance;
}
h1.hero-title em {
  color: var(--gold);
  font-style: italic;
  font-weight: 700;
}
.hero-lead {
  font-size: 1.05rem;
  line-height: 1.6;
  color: var(--text-mute);
  max-width: 38rem;
  margin-bottom: 2rem;
}
.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--rule);
}
.hero-stat-num {
  font-family: var(--font-mono);
  font-size: 1.4rem;
  font-weight: 600;
  color: var(--navy);
  line-height: 1;
  letter-spacing: -0.015em;
}
.hero-stat-num em {
  color: var(--gold);
  font-style: normal;
  font-weight: 700;
}
.hero-stat-lbl {
  font-family: var(--font-mono);
  font-size: 0.7rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-dim);
  margin-top: 0.4rem;
  font-weight: 500;
  line-height: 1.4;
}

/* Hero callback form (OnePaper pattern) */
.hero-form {
  background: white;
  border: 1px solid var(--rule);
  padding: 1.65rem 1.65rem 1.5rem;
  border-radius: 4px;
  position: sticky;
  top: 6rem;
  box-shadow: 0 1px 3px rgba(13, 44, 78, 0.05);
}
.form-head {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  padding-bottom: 0.85rem;
  border-bottom: 1px solid var(--rule);
  margin-bottom: 1.2rem;
}
.form-head .form-title {
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: -0.005em;
}
.form-head .form-tag {
  font-family: var(--font-mono);
  font-size: 0.65rem;
  letter-spacing: 0.13em;
  color: var(--gold);
  font-weight: 500;
  text-transform: uppercase;
}
.form-row {
  display: flex;
  flex-direction: column;
  gap: 0.3rem;
  margin-bottom: 0.95rem;
}
.form-row label {
  font-family: var(--font-mono);
  font-size: 0.66rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-dim);
  font-weight: 500;
}
.form-row .req { color: var(--gold); margin-left: 2px; }
.form-row .hint {
  font-family: var(--font-mono);
  font-size: 0.66rem;
  color: var(--text-faint);
  margin-top: 0.2rem;
}
.form-row input,
.form-row select,
.form-row textarea {
  font-family: var(--font-body);
  font-size: 0.92rem;
  background: var(--cream);
  color: var(--text);
  border: 1px solid var(--rule-2);
  padding: 0.7rem 0.85rem;
  width: 100%;
  border-radius: 3px;
  transition: border-color 0.15s, background 0.15s;
}
.form-row input:focus,
.form-row select:focus,
.form-row textarea:focus {
  border-color: var(--gold);
  background: white;
  outline: 2px solid var(--gold-soft);
  outline-offset: 0;
}
.form-row input[aria-invalid="true"],
.form-row select[aria-invalid="true"] { border-color: var(--red); }
.form-row .err {
  font-family: var(--font-mono);
  font-size: 0.68rem;
  color: var(--red);
  display: none;
}
.form-row.has-error .err { display: block; }
.form-row select {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath fill='%23b8923f' d='M6 8L0 0h12z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.85rem center;
  padding-right: 2.25rem;
}
.form-submit {
  font-family: var(--font-display);
  font-size: 0.92rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  background: var(--gold);
  color: var(--navy);
  padding: 0.85rem 1.2rem;
  width: 100%;
  border: 2px solid var(--gold);
  border-radius: 3px;
  margin-top: 0.4rem;
  transition: background 0.15s;
}
.form-submit:hover:not(:disabled) { background: var(--gold-2); border-color: var(--gold-2); }
.form-submit:disabled { opacity: 0.5; cursor: not-allowed; }
.form-status {
  font-family: var(--font-display);
  font-size: 0.85rem;
  margin-top: 1rem;
  padding: 0.75rem 0.95rem;
  display: none;
  border-left: 3px solid transparent;
  border-radius: 3px;
}
.form-status.status-success {
  display: block;
  background: rgba(13, 138, 79, 0.08);
  color: var(--green);
  border-left-color: var(--green);
}
.form-status.status-error {
  display: block;
  background: rgba(185, 28, 28, 0.06);
  color: var(--red);
  border-left-color: var(--red);
}
.form-status:focus { outline: none; }
.form-foot {
  font-family: var(--font-mono);
  font-size: 0.66rem;
  color: var(--text-faint);
  margin-top: 0.85rem;
  text-align: center;
  letter-spacing: 0.04em;
}

/* --- Section base --------------------------- */
section {
  padding: var(--gap-xl) 0;
  position: relative;
}
.section-head {
  display: grid;
  grid-template-columns: 200px 1fr;
  gap: 3rem;
  margin-bottom: 2.5rem;
  align-items: end;
  border-bottom: 1px solid var(--rule);
  padding-bottom: 1rem;
}
.section-head h2 {
  font-family: var(--font-display);
  font-size: clamp(1.7rem, 3.2vw, 2.4rem);
  font-weight: 700;
  line-height: 1.1;
  letter-spacing: -0.018em;
  color: var(--navy);
  text-wrap: balance;
}
.section-head h2 em { color: var(--gold); font-style: italic; }
.section-head .meta {
  display: flex;
  flex-direction: column;
  gap: 0.3rem;
}

/* --- What We Offer (home service mini cards) - */
.svc-mini-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
}
.svc-mini {
  background: white;
  border: 1px solid var(--rule);
  border-radius: 4px;
  padding: 1.5rem 1.4rem;
  display: flex;
  flex-direction: column;
  gap: 0.7rem;
  min-height: 220px;
  transition: border-color 0.15s, transform 0.15s;
}
.svc-mini:hover {
  border-color: var(--gold);
  transform: translateY(-2px);
}
.svc-mini .num {
  font-family: var(--font-mono);
  font-size: 0.65rem;
  letter-spacing: 0.16em;
  color: var(--gold);
  text-transform: uppercase;
  font-weight: 500;
}
.svc-mini h3 {
  font-family: var(--font-display);
  font-size: 1.05rem;
  font-weight: 700;
  letter-spacing: -0.005em;
  line-height: 1.2;
  color: var(--navy);
}
.svc-mini p {
  font-size: 0.86rem;
  color: var(--text-mute);
  line-height: 1.55;
  flex: 1;
}
.svc-mini .price {
  font-family: var(--font-mono);
  font-size: 0.85rem;
  color: var(--text);
  border-top: 1px dashed var(--rule);
  padding-top: 0.7rem;
  margin-top: auto;
  display: flex;
  justify-content: space-between;
  align-items: baseline;
}
.svc-mini .price .amt { color: var(--gold); font-weight: 700; }
.svc-mini .price .per { color: var(--text-dim); font-size: 0.72rem; }

/* --- Service Decks (services.html) ---------- */
.svc-decks {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.25rem;
}
.svc-deck {
  background: white;
  border: 1px solid var(--rule);
  border-radius: 4px;
  padding: 1.85rem 1.85rem 1.5rem;
  display: flex;
  flex-direction: column;
  gap: 1.1rem;
  position: relative;
  transition: border-color 0.15s, transform 0.15s, box-shadow 0.15s;
  min-height: 380px;
  border-top: 4px solid var(--gold);
}
.svc-deck:hover {
  border-color: var(--gold);
  transform: translateY(-3px);
  box-shadow: 0 8px 20px rgba(13, 44, 78, 0.08);
}
.svc-deck-tag {
  font-family: var(--font-mono);
  font-size: 0.68rem;
  letter-spacing: 0.16em;
  color: var(--gold);
  text-transform: uppercase;
  font-weight: 600;
}
.svc-deck-name {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 700;
  letter-spacing: -0.012em;
  line-height: 1.15;
  color: var(--navy);
  text-wrap: balance;
}
.svc-deck-bullets {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.7rem;
  font-size: 0.94rem;
  color: var(--text);
  flex: 1;
  padding: 0.4rem 0;
}
.svc-deck-bullets li {
  display: grid;
  grid-template-columns: 14px 1fr;
  gap: 0.7rem;
  line-height: 1.5;
  color: var(--text-mute);
}
.svc-deck-bullets li::before {
  content: '→';
  color: var(--gold);
  font-family: var(--font-mono);
  font-weight: 700;
  font-size: 0.95rem;
  padding-top: 1px;
}
.svc-deck-foot {
  border-top: 1px dashed var(--rule);
  padding-top: 1.15rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  margin-top: auto;
}
.svc-deck-price {
  font-family: var(--font-mono);
}
.svc-deck-price .amt {
  font-size: 1.55rem;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: -0.01em;
  line-height: 1;
}
.svc-deck-price .per {
  font-size: 0.78rem;
  color: var(--text-dim);
  margin-left: 0.3rem;
}
.svc-deck-cta {
  font-family: var(--font-display);
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  color: var(--navy);
  border: 1.5px solid var(--navy);
  padding: 0.55rem 0.95rem;
  border-radius: 3px;
  transition: background 0.15s, color 0.15s, border-color 0.15s;
  white-space: nowrap;
}
.svc-deck-cta:hover {
  background: var(--navy);
  color: var(--cream);
  border-color: var(--navy);
}

/* Risk note (services.html footer) */
.risk-note {
  border: 1px solid var(--rule-2);
  border-left: 4px solid var(--gold);
  background: white;
  padding: 1.5rem 1.85rem;
  font-family: var(--font-display);
  font-size: 1rem;
  color: var(--navy);
  margin-top: 2.5rem;
  font-weight: 500;
  font-style: italic;
  text-align: center;
  border-radius: 3px;
}

@media (max-width: 1024px) {
  .svc-decks { grid-template-columns: 1fr; }
}

/* --- Expertise Grid (about.html) ------------ */
.expertise-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}
.expertise-card {
  background: white;
  border: 1px solid var(--rule);
  border-radius: 4px;
  padding: 2rem 1.85rem 1.85rem;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
  position: relative;
  transition: border-color 0.15s, transform 0.15s, box-shadow 0.15s;
  min-height: 230px;
  overflow: hidden;
}
.expertise-card:hover {
  border-color: var(--gold);
  transform: translateY(-3px);
  box-shadow: 0 8px 20px rgba(13, 44, 78, 0.06);
}
.expertise-num {
  font-family: var(--font-mono);
  font-size: 3.5rem;
  font-weight: 700;
  letter-spacing: -0.04em;
  color: var(--gold);
  line-height: 1;
  position: absolute;
  top: 1rem;
  right: 1.25rem;
  opacity: 0.16;
  pointer-events: none;
}
.expertise-card .marker {
  font-family: var(--font-mono);
  font-size: 0.66rem;
  letter-spacing: 0.16em;
  color: var(--gold);
  text-transform: uppercase;
  font-weight: 600;
}
.expertise-card h3 {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 700;
  letter-spacing: -0.01em;
  color: var(--navy);
}
.expertise-card p {
  font-size: 0.93rem;
  color: var(--text-mute);
  line-height: 1.6;
}

/* --- Stocktwits block (about.html) ---------- */
.stocktwits {
  background: white;
  border: 1px solid var(--rule);
  border-radius: 4px;
  border-top: 4px solid var(--gold);
  padding: 2.5rem;
  display: grid;
  grid-template-columns: 1.5fr auto;
  gap: 2rem;
  align-items: center;
}
.stocktwits .meta-tag {
  font-family: var(--font-mono);
  font-size: 0.7rem;
  letter-spacing: 0.16em;
  color: var(--gold);
  text-transform: uppercase;
  font-weight: 600;
  margin-bottom: 0.6rem;
}
.stocktwits h3 {
  font-family: var(--font-display);
  font-size: clamp(1.4rem, 2.5vw, 1.8rem);
  font-weight: 700;
  letter-spacing: -0.015em;
  color: var(--navy);
  margin-bottom: 0.85rem;
  line-height: 1.2;
}
.stocktwits h3 em { color: var(--gold); font-style: italic; }
.stocktwits p {
  color: var(--text-mute);
  line-height: 1.6;
  font-size: 0.98rem;
}
.stocktwits .st-cta {
  font-family: var(--font-display);
  font-size: 0.92rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  background: var(--navy);
  color: var(--cream);
  padding: 0.95rem 1.6rem;
  border: 2px solid var(--navy);
  border-radius: 3px;
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  transition: background 0.15s, color 0.15s;
  white-space: nowrap;
}
.stocktwits .st-cta:hover {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}

@media (max-width: 1024px) {
  .expertise-grid { grid-template-columns: repeat(2, 1fr); }
  .stocktwits { grid-template-columns: 1fr; gap: 1.25rem; padding: 2rem; }
}
@media (max-width: 720px) {
  .expertise-grid { grid-template-columns: 1fr; }
  .expertise-num { font-size: 2.8rem; }
}

.band {
  background: var(--navy);
  color: var(--cream);
  padding: var(--gap-l) 0;
  position: relative;
  overflow: hidden;
}
.band::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background: radial-gradient(ellipse at 80% 50%, rgba(184, 146, 63, 0.18) 0%, transparent 65%);
  pointer-events: none;
}
.band-inner {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 2rem;
  align-items: center;
  position: relative;
}
.band .eyebrow { color: var(--gold-2); }
.band h2 {
  font-family: var(--font-display);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -0.01em;
  text-wrap: balance;
  margin: 0.6rem 0 0.5rem;
  color: var(--cream);
}
.band h2 em { color: var(--gold-2); font-style: italic; }
.band p {
  color: rgba(250, 250, 246, 0.78);
  margin-top: 0.3rem;
  font-size: 0.95rem;
  font-style: italic;
}
.band .btn-primary {
  font-family: var(--font-display);
  font-size: 0.92rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  background: var(--gold);
  color: var(--navy);
  padding: 0.95rem 1.6rem;
  border: 2px solid var(--gold);
  border-radius: 3px;
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  transition: background 0.15s;
  white-space: nowrap;
}
.band .btn-primary:hover { background: var(--gold-2); border-color: var(--gold-2); color: var(--navy); }

/* --- Direct contact strip ------------------- */
.direct {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
}
.direct a {
  background: white;
  border: 1px solid var(--rule);
  border-radius: 4px;
  padding: 1.5rem 1.4rem;
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
  transition: border-color 0.15s, transform 0.15s;
  color: var(--text);
}
.direct a:hover { border-color: var(--gold); transform: translateY(-2px); color: var(--text); }
.direct .ch-label {
  font-family: var(--font-mono);
  font-size: 0.7rem;
  letter-spacing: 0.13em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 500;
}
.direct .ch-value {
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 700;
  letter-spacing: -0.005em;
  color: var(--navy);
}
.direct .ch-arrow {
  font-family: var(--font-mono);
  color: var(--gold);
  font-size: 0.85rem;
  margin-top: 0.4rem;
  font-weight: 500;
}

/* --- Blog Index (blog.html) ----------------- */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
}
.blog-card {
  background: white;
  border: 1px solid var(--rule);
  border-radius: 4px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: border-color 0.15s, transform 0.15s, box-shadow 0.15s;
  color: var(--text);
}
.blog-card:hover {
  border-color: var(--gold);
  transform: translateY(-3px);
  box-shadow: 0 8px 20px rgba(13, 44, 78, 0.08);
  color: var(--text);
}
.blog-card-image {
  width: 100%;
  aspect-ratio: 16 / 9;
  background: var(--cream-2);
  overflow: hidden;
  border-bottom: 1px solid var(--rule);
}
.blog-card-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.4s;
}
.blog-card:hover .blog-card-image img { transform: scale(1.03); }
.blog-card-body {
  padding: 1.5rem 1.65rem 1.65rem;
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
  flex: 1;
}
.blog-card-tags {
  display: flex;
  gap: 0.5rem;
  flex-wrap: wrap;
}
.blog-card-tag {
  font-family: var(--font-mono);
  font-size: 0.65rem;
  letter-spacing: 0.13em;
  color: var(--gold);
  text-transform: uppercase;
  font-weight: 600;
  border: 1px solid var(--gold);
  padding: 2px 8px;
  border-radius: 2px;
  background: var(--gold-soft);
}
.blog-card h3 {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 700;
  letter-spacing: -0.012em;
  line-height: 1.25;
  color: var(--navy);
  margin: 0.2rem 0;
}
.blog-card-meta {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.05em;
  color: var(--text-dim);
}
.blog-card-meta strong { color: var(--text); font-weight: 500; }
.blog-card-excerpt {
  font-size: 0.92rem;
  color: var(--text-mute);
  line-height: 1.55;
  flex: 1;
}
.blog-card-cta {
  font-family: var(--font-mono);
  font-size: 0.78rem;
  letter-spacing: 0.08em;
  color: var(--gold);
  font-weight: 600;
  text-transform: uppercase;
  margin-top: 0.5rem;
  border-bottom: 1px solid transparent;
  padding-bottom: 2px;
  align-self: flex-start;
  transition: border-color 0.15s;
}
.blog-card:hover .blog-card-cta { border-color: var(--gold); }

/* --- Blog Post (blog/post-name.html) -------- */
.post-hero {
  padding: var(--gap-l) 0 0;
  background: var(--cream);
}
.post-hero .breadcrumb {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-dim);
  margin-bottom: 1rem;
}
.post-hero .breadcrumb a { color: var(--text-dim); }
.post-hero .breadcrumb a:hover { color: var(--gold); }
.post-hero .breadcrumb [aria-current="page"] { color: var(--gold); }
.post-tags { display: flex; gap: 0.5rem; margin-bottom: 1rem; flex-wrap: wrap; }
.post-hero h1 {
  font-family: var(--font-display);
  font-size: clamp(1.85rem, 3.6vw, 2.7rem);
  font-weight: 700;
  line-height: 1.1;
  letter-spacing: -0.018em;
  color: var(--navy);
  margin: 0.4rem 0 1rem;
  text-wrap: balance;
}
.post-meta {
  font-family: var(--font-mono);
  font-size: 0.78rem;
  color: var(--text-dim);
  letter-spacing: 0.04em;
  padding: 1rem 0;
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
  display: flex;
  flex-wrap: wrap;
  gap: 1.5rem;
}
.post-meta strong { color: var(--text); font-weight: 500; }
.post-cover {
  margin: var(--gap-l) auto;
  max-width: 920px;
  padding: 0 1.5rem;
}
.post-cover img {
  width: 100%;
  height: auto;
  border-radius: 4px;
  border: 1px solid var(--rule);
  display: block;
}
.post-body {
  max-width: 720px;
  margin: 0 auto;
  padding: 0 1.5rem var(--gap-xl);
  font-size: 1.06rem;
  line-height: 1.78;
  color: var(--text);
}
.post-body h2 {
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 700;
  letter-spacing: -0.012em;
  color: var(--navy);
  line-height: 1.2;
  margin: 2.5rem 0 0.85rem;
  text-wrap: balance;
}
.post-body h3 {
  font-family: var(--font-display);
  font-size: 1.18rem;
  font-weight: 700;
  letter-spacing: -0.005em;
  color: var(--navy);
  line-height: 1.25;
  margin: 2.2rem 0 0.7rem;
}
.post-body h4 {
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.3;
  margin: 1.85rem 0 0.6rem;
}
.post-body p { margin-bottom: 1.15rem; color: var(--text-mute); }
.post-body strong { color: var(--text); font-weight: 600; }
.post-body em { font-style: italic; color: var(--navy); }
.post-body ul, .post-body ol {
  margin: 0.5rem 0 1.5rem 0;
  padding-left: 0;
  list-style: none;
}
.post-body ul li, .post-body ol li {
  position: relative;
  padding-left: 1.5rem;
  margin-bottom: 0.7rem;
  color: var(--text-mute);
  line-height: 1.7;
}
.post-body ul li::before {
  content: '→';
  position: absolute;
  left: 0;
  top: 0;
  color: var(--gold);
  font-family: var(--font-mono);
  font-weight: 700;
  font-size: 0.95rem;
}
.post-body ol { counter-reset: post-li; }
.post-body ol li {
  counter-increment: post-li;
}
.post-body ol li::before {
  content: counter(post-li, decimal-leading-zero);
  position: absolute;
  left: 0;
  top: 0.05rem;
  color: var(--gold);
  font-family: var(--font-mono);
  font-weight: 600;
  font-size: 0.85rem;
}
.post-body a { color: var(--gold); border-bottom: 1px solid var(--rule-2); transition: border-color 0.15s; }
.post-body a:hover { border-color: var(--gold); }
.post-body blockquote {
  border-left: 3px solid var(--gold);
  padding: 0.4rem 0 0.4rem 1.5rem;
  margin: 1.85rem 0;
  font-family: var(--font-display);
  font-style: italic;
  font-size: 1.1rem;
  color: var(--navy);
  line-height: 1.55;
}
.post-body img {
  width: 100%;
  height: auto;
  border-radius: 4px;
  border: 1px solid var(--rule);
  margin: 1.85rem 0;
  display: block;
}
.post-warning {
  border-left: 4px solid var(--gold);
  background: var(--cream-2);
  padding: 1.2rem 1.5rem;
  margin: 2.5rem 0;
  font-style: italic;
  font-size: 0.92rem;
  color: var(--text-mute);
  line-height: 1.6;
  border-radius: 3px;
}
.post-warning strong { color: var(--navy); font-style: normal; }

.post-nav {
  border-top: 1px solid var(--rule);
  padding: 2rem 0;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  max-width: 920px;
  margin: 0 auto;
  padding-left: 1.5rem;
  padding-right: 1.5rem;
}
.post-nav a {
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
  padding: 1rem;
  border: 1px solid var(--rule);
  border-radius: 4px;
  background: white;
  transition: border-color 0.15s;
  color: var(--text);
}
.post-nav a:hover { border-color: var(--gold); color: var(--text); }
.post-nav .nav-label {
  font-family: var(--font-mono);
  font-size: 0.7rem;
  letter-spacing: 0.13em;
  color: var(--gold);
  text-transform: uppercase;
  font-weight: 600;
}
.post-nav .nav-title {
  font-family: var(--font-display);
  font-size: 0.96rem;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.3;
}
.post-nav .next { text-align: right; }
.post-nav .next .nav-label { align-self: flex-end; }

@media (max-width: 1024px) {
  .blog-grid { grid-template-columns: 1fr; }
}
@media (max-width: 720px) {
  .post-nav { grid-template-columns: 1fr; gap: 0.85rem; }
  .post-nav .next { text-align: left; }
  .post-nav .next .nav-label { align-self: flex-start; }
  .post-meta { gap: 0.75rem; }
}

/* --- Compliance Accordion (compliance.html) - */
.compliance-list {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}
.compliance-item {
  scroll-margin-top: 5rem;
  background: white;
  border: 1px solid var(--rule);
  border-radius: 4px;
  border-left: 4px solid var(--gold);
  overflow: hidden;
  transition: border-color 0.15s, box-shadow 0.15s;
}
.compliance-item:hover { box-shadow: 0 4px 12px rgba(13, 44, 78, 0.05); }
.compliance-item[open] { border-left-color: var(--navy); }
.compliance-item summary {
  padding: 1.4rem 1.65rem;
  display: grid;
  grid-template-columns: 50px 1fr 24px;
  align-items: center;
  gap: 1.25rem;
  cursor: pointer;
  list-style: none;
  user-select: none;
  transition: background 0.15s;
}
.compliance-item summary::-webkit-details-marker { display: none; }
.compliance-item summary:hover { background: var(--cream-2); }
.compliance-item[open] summary { background: var(--cream-2); border-bottom: 1px solid var(--rule); }
.policy-num {
  font-family: var(--font-mono);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  color: var(--gold);
}
.policy-title {
  font-family: var(--font-display);
  font-size: 1.08rem;
  font-weight: 700;
  letter-spacing: -0.005em;
  color: var(--navy);
  line-height: 1.3;
}
.policy-icon {
  font-family: var(--font-mono);
  font-size: 1.4rem;
  color: var(--gold);
  text-align: center;
  font-weight: 400;
  transition: transform 0.2s;
  line-height: 1;
}
.compliance-item[open] .policy-icon { transform: rotate(45deg); color: var(--navy); }
.policy-content {
  padding: 1.85rem 2.5rem 2.25rem;
  font-size: 0.95rem;
  line-height: 1.75;
  color: var(--text-mute);
  max-width: none;
}
.policy-content p { margin-bottom: 1.05rem; }
.policy-content strong { color: var(--text); font-weight: 600; }
.policy-content em { color: var(--navy); font-style: italic; }
.policy-content h3 {
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: -0.005em;
  margin: 1.85rem 0 0.7rem;
  line-height: 1.3;
}
.policy-content h4 {
  font-family: var(--font-display);
  font-size: 0.98rem;
  font-weight: 700;
  color: var(--navy);
  margin: 1.5rem 0 0.5rem;
}
.policy-content ul, .policy-content ol {
  list-style: none;
  margin: 0.5rem 0 1.25rem 0;
  padding-left: 0;
}
.policy-content ul li {
  position: relative;
  padding-left: 1.5rem;
  margin-bottom: 0.55rem;
  line-height: 1.65;
}
.policy-content ul li::before {
  content: '→';
  position: absolute;
  left: 0;
  top: 0;
  color: var(--gold);
  font-family: var(--font-mono);
  font-weight: 700;
}
.policy-content ol { counter-reset: pol-li; }
.policy-content ol li {
  counter-increment: pol-li;
  position: relative;
  padding-left: 1.85rem;
  margin-bottom: 0.55rem;
  line-height: 1.65;
}
.policy-content ol li::before {
  content: counter(pol-li) '.';
  position: absolute;
  left: 0;
  top: 0;
  color: var(--gold);
  font-family: var(--font-mono);
  font-weight: 600;
}
.policy-content a { color: var(--gold); border-bottom: 1px solid var(--rule-2); }
.policy-content a:hover { border-color: var(--gold); }
.policy-content table {
  width: 100%;
  border-collapse: collapse;
  margin: 1.25rem 0;
  font-size: 0.88rem;
}
.policy-content table th,
.policy-content table td {
  padding: 0.75rem 1rem;
  border: 1px solid var(--rule);
  text-align: left;
  vertical-align: top;
}
.policy-content table th {
  background: var(--cream-2);
  font-family: var(--font-display);
  font-weight: 700;
  color: var(--navy);
  font-size: 0.78rem;
  letter-spacing: 0.02em;
}
.policy-content table td {
  color: var(--text-mute);
}

@media (max-width: 720px) {
  .compliance-item summary { grid-template-columns: 36px 1fr 20px; padding: 1.1rem 1.15rem; gap: 0.85rem; }
  .policy-title { font-size: 0.96rem; }
  .policy-content { padding: 1.4rem 1.25rem 1.85rem; font-size: 0.92rem; }
  .policy-content table { font-size: 0.78rem; }
  .policy-content th, .policy-content td { padding: 0.55rem 0.6rem; }
}

/* --- Footer --------------------------------- */
.footer {
  background: var(--navy);
  color: rgba(250, 250, 246, 0.78);
  padding: var(--gap-l) 0 1.5rem;
  font-size: 0.88rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 2.5rem;
  margin-bottom: 2rem;
}
.footer h4 {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-2);
  margin-bottom: 1rem;
  font-weight: 600;
}
.footer ul { list-style: none; display: flex; flex-direction: column; gap: 0.55rem; }
.footer ul a { color: rgba(250, 250, 246, 0.7); font-size: 0.86rem; }
.footer ul a:hover { color: var(--gold-2); }
.footer .reg {
  font-family: var(--font-mono);
  font-size: 0.78rem;
  color: rgba(250, 250, 246, 0.7);
  line-height: 1.75;
}
.footer .reg strong { color: var(--cream); font-weight: 500; }
.risk {
  border-top: 1px solid rgba(250, 250, 246, 0.12);
  border-bottom: 1px solid rgba(250, 250, 246, 0.12);
  padding: 1.4rem 0;
  margin: 1.5rem 0;
  font-family: var(--font-body);
  font-size: 0.82rem;
  color: rgba(250, 250, 246, 0.7);
  line-height: 1.65;
}
.risk strong { color: var(--gold-2); font-weight: 600; letter-spacing: 0.04em; }
.copyright {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
  font-family: var(--font-mono);
  font-size: 0.72rem;
  color: rgba(250, 250, 246, 0.55);
  letter-spacing: 0.04em;
  padding-top: 0.5rem;
}

/* --- Sub-page hero (smaller than home) ------ */
.subhero {
  padding: var(--gap-l) 0 var(--gap-l);
  border-bottom: 1px solid var(--rule);
  background: var(--cream);
}
.subhero h1 {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 700;
  line-height: 1.08;
  letter-spacing: -0.02em;
  color: var(--navy);
  margin: 0.85rem 0 0.85rem;
  text-wrap: balance;
}
.subhero h1 em { color: var(--gold); font-style: italic; }
.subhero p {
  font-size: 1.02rem;
  color: var(--text-mute);
  max-width: 50rem;
  line-height: 1.6;
}
.subhero .breadcrumb {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-dim);
  margin-bottom: 0;
}
.subhero .breadcrumb a { color: var(--text-dim); }
.subhero .breadcrumb a:hover { color: var(--gold); }
.subhero .breadcrumb [aria-current="page"] { color: var(--gold); }

/* SR-only */
.sr-only {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}

/* --- Responsive ----------------------------- */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-form { position: static; }
  .svc-mini-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .direct { grid-template-columns: 1fr; }
}

@media (max-width: 720px) {
  :root { --gap-xl: 3.5rem; --gap-l: 2.2rem; }
  .brand-sub { display: none; }
  .brand-logo { height: 36px; }
  .nav { display: none; position: absolute; top: 100%; left: 0; right: 0; flex-direction: column; align-items: stretch; background: var(--navy); border-top: 1px solid rgba(255,255,255,0.1); padding: 0.5rem 0; gap: 0; }
  .nav[data-open="true"] { display: flex; }
  .nav a { padding: 0.95rem 1.5rem; border-bottom: 1px solid rgba(255,255,255,0.08); }
  .nav-cta { margin: 0.85rem 1.5rem; text-align: center; }
  .menu-btn { display: flex; }

  .section-head { grid-template-columns: 1fr; gap: 0.85rem; }
  .hero-stats { grid-template-columns: 1fr; gap: 1rem; }
  .svc-mini-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 1.85rem; }
  .band-inner { grid-template-columns: 1fr; gap: 1.25rem; }
  .copyright { flex-direction: column; align-items: flex-start; gap: 0.4rem; }
}

/* Print */
@media print {
  .site-header, .nav, .hero-form, .form-submit, .menu-btn, .band, .direct { display: none !important; }
  body { background: white; color: black; }
}