/* Layout concept: a credit-memo look. Serif headings, mono field labels,
   ruled sections and checkbox lists taken from the IAOF submission checklist.
   One navy band per page for emphasis, green reserved for "approved" actions. */
:root {
  --ink: #0b1d33;
  --ink-soft: #44546a;
  --paper: #f4f6f8;
  --card: #ffffff;
  --line: #d3dae3;
  --band: #0b1d33;
  --band-ink: #f4f6f8;
  --band-soft: #b4c1d2;
  --band-line: #2a3d57;
  --accent: #1c7c54;
  --accent-hover: #14573b;
  --accent-soft: #e2f0e8;
  --focus: #1f5fbf;
  --font-display: "Newsreader", Georgia, "Times New Roman", serif;
  --font-body: "IBM Plex Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  --font-mono: "IBM Plex Mono", ui-monospace, "SFMono-Regular", Menlo, monospace;
  --gutter: 24px;
  color-scheme: light;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--accent-hover); text-underline-offset: 3px; }
a:hover { color: var(--ink); }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 2px; }

h1, h2, h3 { font-family: var(--font-display); font-weight: 500; line-height: 1.12; margin: 0; text-wrap: balance; letter-spacing: -0.01em; }
h1 { font-size: clamp(2.35rem, 5.2vw, 3.7rem); }
h2 { font-size: clamp(1.8rem, 3.4vw, 2.5rem); }
h3 { font-size: 1.35rem; line-height: 1.25; }
p { margin: 0; }
.lede { font-size: 1.2rem; line-height: 1.55; color: var(--ink-soft); max-width: 60ch; }
.eyebrow { font-family: var(--font-mono); font-size: 0.78rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--ink-soft); }
.band .eyebrow { color: var(--band-soft); }

.wrap {
  width: 100%;
  max-width: 1160px;
  margin-inline: auto;
  padding-left: max(var(--gutter), env(safe-area-inset-left, 0px));
  padding-right: max(var(--gutter), env(safe-area-inset-right, 0px));
}
.narrow { max-width: 780px; }
.skip { position: absolute; left: -999px; top: 8px; background: var(--ink); color: #fff; padding: 10px 14px; z-index: 50; }
.skip:focus { left: 8px; }

/* Preview ribbon (preview build only) */
.preview-bar { background: #fff3c4; color: #4a3a00; font-family: var(--font-mono); font-size: 0.78rem; text-align: center; padding: 6px 16px; border-bottom: 1px solid #e3cf85; }

/* Header */
.site-header { background: var(--card); border-bottom: 1px solid var(--line); }
.site-header .wrap { display: flex; align-items: center; gap: 24px; padding-block: 14px; flex-wrap: wrap; }
.brand img { height: 46px; width: auto; }
.nav-toggle { display: none; margin-left: auto; background: none; border: 1px solid var(--line); border-radius: 4px; padding: 8px 12px; font: inherit; color: var(--ink); cursor: pointer; }
.primary-nav { display: flex; gap: 4px; margin-left: auto; align-items: center; flex-wrap: wrap; }
.primary-nav a { color: var(--ink); text-decoration: none; padding: 8px 12px; font-size: 0.97rem; border-radius: 4px; }
.primary-nav a:hover { background: var(--paper); }
.primary-nav a[aria-current="page"] { box-shadow: inset 0 -2px 0 var(--accent); }
.header-cta { display: flex; align-items: center; gap: 16px; }
.header-phone { font-family: var(--font-mono); font-size: 0.95rem; color: var(--ink); text-decoration: none; white-space: nowrap; }

.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 13px 22px; border-radius: 4px; font: 600 1rem/1.2 var(--font-body); text-decoration: none; border: 2px solid transparent; cursor: pointer; transition: background 0.15s, color 0.15s, border-color 0.15s; }
.btn-primary { background: var(--accent); color: #fff; }
.btn-primary:hover { background: var(--accent-hover); color: #fff; }
.btn-ghost { background: transparent; color: var(--ink); border-color: var(--ink); }
.btn-ghost:hover { background: var(--ink); color: #fff; }
.band .btn-ghost { color: var(--band-ink); border-color: var(--band-soft); }
.band .btn-ghost:hover { background: var(--band-ink); color: var(--ink); border-color: var(--band-ink); }
.btn-sm { padding: 10px 16px; font-size: 0.93rem; }
.btn-row { display: flex; gap: 12px; flex-wrap: wrap; }

/* Bands and sections */
.band { background: var(--band); color: var(--band-ink); }
.band p { color: var(--band-ink); }
.band .lede { color: var(--band-soft); }
.band a:not(.btn) { color: #fff; }
.section { padding-block: clamp(56px, 8vw, 96px); }
.section + .section { border-top: 1px solid var(--line); }
.section-head { display: grid; gap: 12px; margin-bottom: 40px; max-width: 760px; }

/* Hero */
.hero { padding-block: clamp(48px, 7vw, 88px); }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(0, 0.85fr); gap: clamp(32px, 5vw, 72px); align-items: start; }
.hero h1 { margin-block: 14px 22px; }
.hero .btn-row { margin-top: 32px; }
.page-hero { padding-block: clamp(44px, 6vw, 72px); }
.page-hero h1 { font-size: clamp(2.1rem, 4.4vw, 3.1rem); margin-block: 12px 16px; }

/* "Deal file" card: proof as memo fields */
.dealfile { background: var(--card); color: var(--ink); border-radius: 4px; padding: 6px 26px 22px; }
.dealfile-head { display: flex; justify-content: space-between; border-bottom: 2px solid var(--ink); padding-block: 16px 10px; font-family: var(--font-mono); font-size: 0.74rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--ink-soft); }
.dealfile dl { margin: 0; }
.dealfile .row { display: grid; grid-template-columns: 1fr; padding-block: 16px; border-bottom: 1px solid var(--line); }
.dealfile dt { font-family: var(--font-mono); font-size: 0.74rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--ink-soft); order: 2; margin-top: 2px; }
.dealfile dd { margin: 0; font-family: var(--font-display); font-size: 2.5rem; line-height: 1; font-weight: 500; order: 1; font-variant-numeric: lining-nums tabular-nums; }
.dealfile .note { padding-top: 16px; font-size: 0.95rem; color: var(--ink-soft); }
.dealfile .note strong { color: var(--ink); font-weight: 600; }

/* Paths */
.paths { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px; }
.path { background: var(--card); border: 1px solid var(--line); border-top: 4px solid var(--ink); padding: 32px; display: grid; gap: 16px; align-content: start; }
.path h3 { font-size: 1.7rem; }
.path ul { margin: 0; padding: 0; list-style: none; display: grid; gap: 8px; }

/* Checkbox lists (from the submission checklist) */
.check { margin: 0; padding: 0; list-style: none; display: grid; gap: 10px; }
.check li { position: relative; padding-left: 34px; }
.check li::before { content: ""; position: absolute; left: 0; top: 0.28em; width: 18px; height: 18px; border: 2px solid var(--ink); border-radius: 2px; background: var(--card); }
.check.done li::before { background: var(--accent); border-color: var(--accent); }
.check.done li::after { content: ""; position: absolute; left: 6px; top: calc(0.28em + 3px); width: 5px; height: 9px; border: solid #fff; border-width: 0 2px 2px 0; transform: rotate(45deg); }
.band .check li::before { background: transparent; border-color: var(--band-soft); }
.band .check.done li::before { background: var(--accent); border-color: var(--accent); }

/* Process: a real sequence, so numbered */
.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 0; counter-reset: step; border-top: 2px solid var(--ink); }
.steps li { counter-increment: step; padding: 24px 24px 8px 0; display: grid; gap: 10px; align-content: start; }
.steps li + li { padding-left: 24px; border-left: 1px solid var(--line); }
.steps li::before { content: counter(step, decimal-leading-zero); font-family: var(--font-mono); font-size: 0.85rem; color: var(--accent-hover); letter-spacing: 0.06em; }
.steps h3 { font-size: 1.3rem; }
.steps p { color: var(--ink-soft); font-size: 0.98rem; }

/* Generic card grid */
.grid-3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px; }
.card { background: var(--card); border: 1px solid var(--line); padding: 28px; display: grid; gap: 10px; align-content: start; }
.card p { color: var(--ink-soft); }
.card .tag { font-family: var(--font-mono); font-size: 0.74rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--ink-soft); }
.list-plain { margin: 0; padding: 0; list-style: none; display: grid; gap: 8px; }
.split { display: grid; grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr); gap: clamp(32px, 5vw, 72px); align-items: start; }
.stack { display: grid; gap: 18px; }
.prose { display: grid; gap: 18px; max-width: 68ch; }
.prose h2 { font-size: 1.8rem; margin-top: 18px; }
.prose ul { margin: 0; padding-left: 1.2em; display: grid; gap: 8px; }

.pull { font-family: var(--font-display); font-size: clamp(1.6rem, 3vw, 2.3rem); line-height: 1.25; font-weight: 400; text-wrap: balance; max-width: 30ch; }
.pull-by { font-family: var(--font-mono); font-size: 0.82rem; letter-spacing: 0.06em; text-transform: uppercase; color: var(--band-soft); margin-top: 18px; }

/* Fee schedule with dotted leaders */
.fees { margin: 0; padding: 0; list-style: none; border-top: 2px solid var(--ink); }
.fees li { display: flex; align-items: baseline; gap: 12px; padding-block: 14px; border-bottom: 1px solid var(--line); }
.fees .label { flex: 0 1 auto; }
.fees .dots { flex: 1 1 24px; border-bottom: 2px dotted var(--line); transform: translateY(-4px); min-width: 16px; }
.fees .amt { font-family: var(--font-display); font-size: 1.5rem; font-weight: 500; text-align: right; font-variant-numeric: lining-nums tabular-nums; }
.callout { background: var(--accent-soft); border-top: 3px solid var(--accent); padding: 26px 28px; display: grid; gap: 12px; }
.callout h3 { font-size: 1.4rem; }

/* FAQ */
.faq { border-top: 2px solid var(--ink); }
.faq details { border-bottom: 1px solid var(--line); padding-block: 18px; }
.faq summary { cursor: pointer; font-family: var(--font-display); font-size: 1.3rem; line-height: 1.3; list-style: none; display: flex; justify-content: space-between; gap: 20px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-family: var(--font-mono); font-size: 1.4rem; line-height: 1; }
.faq details[open] summary::after { content: "\2212"; }
.faq details p { margin-top: 12px; color: var(--ink-soft); max-width: 68ch; }

/* Downloads */
.dl { display: grid; grid-template-columns: auto 1fr auto; gap: 20px; align-items: center; background: var(--card); border: 1px solid var(--line); padding: 22px 24px; }
.dl .ext { font-family: var(--font-mono); font-size: 0.8rem; letter-spacing: 0.08em; border: 2px solid var(--ink); padding: 6px 8px; border-radius: 2px; }
.dl h3 { font-size: 1.2rem; }
.dl p { color: var(--ink-soft); font-size: 0.97rem; }

/* Forms */
.form { background: var(--card); border: 1px solid var(--line); border-top: 4px solid var(--ink); padding: clamp(22px, 3vw, 36px); display: grid; gap: 18px; }
.form h2 { font-size: 1.7rem; }
.fields { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
.field { display: grid; gap: 6px; min-width: 0; }
.field.full { grid-column: 1 / -1; }
.field label { font-weight: 600; font-size: 0.94rem; }
.field .hint { font-weight: 400; color: var(--ink-soft); }
.field input, .field select, .field textarea { width: 100%; font: inherit; color: var(--ink); background: #fff; border: 1.5px solid #8f9db0; border-radius: 4px; padding: 11px 12px; }
.field textarea { min-height: 120px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--focus); outline: 3px solid rgba(31, 95, 191, 0.25); outline-offset: 0; }
.hp { position: absolute; left: -9999px; }
.form-note { font-size: 0.9rem; color: var(--ink-soft); }
.form-status { padding: 14px 16px; background: #fff3c4; border: 1px solid #e3cf85; color: #4a3a00; font-size: 0.95rem; }

.contact-list { margin: 0; padding: 0; list-style: none; display: grid; gap: 18px; }
.contact-list .k { font-family: var(--font-mono); font-size: 0.74rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--ink-soft); display: block; }
.contact-list .v { font-family: var(--font-display); font-size: 1.5rem; }
.contact-list a { color: var(--ink); text-decoration-color: var(--line); }

/* Final CTA */
.cta-band { padding-block: clamp(48px, 6vw, 72px); }
.cta-band .wrap { display: flex; gap: 32px; align-items: center; justify-content: space-between; flex-wrap: wrap; }
.cta-band h2 { max-width: 20ch; }

/* Footer */
.site-footer { background: var(--band); color: var(--band-soft); padding-block: 56px 32px; font-size: 0.95rem; }
.site-footer a { color: var(--band-ink); text-decoration: none; }
.site-footer a:hover { text-decoration: underline; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 32px; }
.footer-grid img { height: 54px; width: auto; filter: brightness(0) invert(1); margin-bottom: 14px; }
.footer-grid h4 { margin: 0 0 12px; font-family: var(--font-mono); font-size: 0.74rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--band-soft); font-weight: 500; }
.footer-grid ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.legal { margin-top: 40px; padding-top: 24px; border-top: 1px solid var(--band-line); display: grid; gap: 10px; font-size: 0.86rem; max-width: 90ch; }

@media (max-width: 960px) {
  .hero-grid, .split { grid-template-columns: 1fr; }
  .steps { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .steps li:nth-child(odd) { padding-left: 0; border-left: 0; }
  .steps li:nth-child(n+3) { border-top: 1px solid var(--line); }
  .grid-3 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 820px) {
  .nav-toggle { display: inline-block; }
  .primary-nav { display: none; width: 100%; flex-direction: column; align-items: stretch; margin-left: 0; order: 5; }
  .primary-nav.open { display: flex; }
  .header-cta { display: none; }
  .primary-nav .nav-cta { display: block; }
}
@media (min-width: 821px) { .primary-nav .nav-cta { display: none; } }
@media (max-width: 640px) {
  :root { --gutter: 16px; }
  body { font-size: 16px; }
  .paths, .grid-2, .grid-3, .fields { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }
  .steps li, .steps li + li { padding-left: 0; border-left: 0; }
  .steps li + li { border-top: 1px solid var(--line); }
  .dl { grid-template-columns: 1fr; gap: 12px; }
  .footer-grid { grid-template-columns: 1fr; }
  .path { padding: 24px; }
  .fees li { flex-wrap: wrap; }
  .fees .dots { display: none; }
  .fees .amt { margin-left: auto; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; }
}

/* People */
.person { grid-template-columns: auto minmax(0, 1fr); gap: 24px; align-items: start; }
.person-photo { width: 120px; height: 120px; object-fit: cover; border-radius: 4px; background: var(--line); flex: none; }
.monogram { display: grid; place-items: center; font-family: var(--font-display); font-size: 2.4rem; color: var(--ink-soft); background: var(--line); }
.person .list-plain { color: var(--ink-soft); font-size: 0.97rem; }
.person .list-plain a { color: var(--ink); }
.person p { color: var(--ink-soft); }
.person-row { display: flex; gap: 28px; align-items: center; flex-wrap: wrap; }
.person-row .person-photo { width: 140px; height: 140px; }
@media (max-width: 640px) {
  .person { grid-template-columns: 1fr; }
}