/* Chiltern Accounts — site styles */

:root{
  --navy:#081F3E;
  --navy-700:#0F2C50;
  --navy-500:#1E3D66;
  --gold:#A78845;
  --gold-light:#CBAC6C;
  --paper:#F7F6F2;
  --grey:#ECEAE4;
  --line:#E2DFD7;
  --ink:#182029;
  --muted:#5C6875;
  --white:#FFFFFF;

  --serif:"Source Serif 4",Georgia,"Times New Roman",serif;
  --sans:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;

  --wrap:1180px;
  --narrow:820px;
  --r:4px;
  --shadow:0 1px 2px rgba(8,31,62,.04),0 8px 30px rgba(8,31,62,.06);
  --shadow-lift:0 2px 4px rgba(8,31,62,.05),0 18px 50px rgba(8,31,62,.10);
  --ease:cubic-bezier(.22,.61,.36,1);
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{
  margin:0;background:var(--white);color:var(--ink);
  font-family:var(--sans);font-size:17px;line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;height:auto;display:block}
a{color:inherit}

h1,h2,h3,h4{font-family:var(--serif);font-weight:600;line-height:1.15;letter-spacing:-.015em;margin:0 0 .5em}
h1{font-size:clamp(2.35rem,5.2vw,3.85rem)}
h2{font-size:clamp(1.85rem,3.6vw,2.7rem)}
h3{font-size:clamp(1.18rem,1.8vw,1.4rem);line-height:1.25}
p{margin:0 0 1.1em}
p:last-child{margin-bottom:0}

.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 24px}
.narrow{max-width:var(--narrow);margin-left:auto;margin-right:auto}
.section{padding:clamp(64px,8vw,110px) 0}
.section--tight{padding:clamp(48px,5vw,72px) 0}
.section--paper{background:var(--paper)}
.section--navy{background:var(--navy);color:#E9EDF2}
.section--navy h2,.section--navy h3{color:#fff}
.section--navy .eyebrow,.hero .eyebrow,.cta-band .eyebrow{color:#C6A464}
.section--navy .eyebrow::before,.section--navy .eyebrow::after,.hero .eyebrow::after,.hero .eyebrow::before,.cta-band .eyebrow::after,.cta-band .eyebrow::before{background:#C6A464}
.section--navy p{color:#B9C4D1}
.hr{height:1px;background:var(--line);border:0;margin:0}

/* ---------- eyebrow / lede ---------- */
.eyebrow{
  font-size:.72rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;
  color:var(--gold);margin:0 0 18px;display:flex;align-items:center;gap:12px;
}
.eyebrow::after{content:"";flex:0 0 44px;height:1px;background:var(--gold);opacity:.5}
.eyebrow--center{justify-content:center}
.eyebrow--center::before{content:"";flex:0 0 44px;height:1px;background:var(--gold);opacity:.5}
.lede{font-size:clamp(1.05rem,1.5vw,1.22rem);color:var(--muted);line-height:1.6}
.section--navy .lede{color:#AEBBC9}
.center{text-align:center}
.center .eyebrow{justify-content:center}
.center .eyebrow::before{content:"";flex:0 0 44px;height:1px;background:var(--gold);opacity:.5}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  font-family:var(--sans);font-size:.94rem;font-weight:550;letter-spacing:.01em;
  padding:15px 28px;border-radius:var(--r);border:1px solid transparent;
  text-decoration:none;cursor:pointer;transition:all .25s var(--ease);
  background:var(--navy);color:#fff;
}
.btn:hover{background:var(--navy-700);transform:translateY(-2px);box-shadow:var(--shadow-lift)}
.btn:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
.btn--gold{background:var(--gold);color:var(--navy);font-weight:600}
.btn--gold:hover{background:var(--gold-light)}
.btn--ghost{background:transparent;color:var(--navy);border-color:var(--line)}
.btn--ghost:hover{background:var(--white);border-color:var(--navy);box-shadow:var(--shadow)}
.btn--on-navy{background:transparent;color:#fff;border-color:rgba(255,255,255,.28)}
.btn--on-navy:hover{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.6)}
.btn-row{display:flex;flex-wrap:wrap;gap:14px}
.btn-row--center{justify-content:center}

.arrow-link{
  display:inline-flex;align-items:center;gap:8px;text-decoration:none;
  font-size:.9rem;font-weight:550;color:var(--navy);
  border-bottom:1px solid var(--line);padding-bottom:2px;transition:.25s var(--ease);
}
.arrow-link span{transition:transform .25s var(--ease)}
.arrow-link:hover{color:var(--gold);border-color:var(--gold)}
.arrow-link:hover span{transform:translateX(4px)}

/* ---------- header ---------- */
.site-header{
  position:sticky;top:0;z-index:60;background:rgba(255,255,255,.92);
  backdrop-filter:saturate(150%) blur(10px);
  border-bottom:1px solid var(--line);transition:box-shadow .3s var(--ease);
}
.site-header.is-scrolled{box-shadow:0 1px 20px rgba(8,31,62,.07)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:76px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;flex:0 0 auto}
.brand img{height:40px;width:auto}
.brand-fallback{display:flex;flex-direction:column;line-height:1.1}
.brand-fallback strong{font-family:var(--serif);font-size:1.22rem;font-weight:600;color:var(--navy);letter-spacing:-.01em}
.brand-fallback em{font-style:normal;font-size:.62rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);margin-top:3px}

.nav{display:flex;align-items:center;gap:6px}
.nav a{
  text-decoration:none;font-size:.88rem;font-weight:500;color:var(--ink);
  padding:9px 11px;border-radius:var(--r);transition:.2s var(--ease);position:relative;
}
.nav a{white-space:nowrap}
.nav>.btn{display:none}
.nav a:hover{color:var(--navy);background:var(--paper)}
.nav a[aria-current="page"]{color:var(--navy);font-weight:600}
.nav a[aria-current="page"]::after{
  content:"";position:absolute;left:13px;right:13px;bottom:2px;height:2px;background:var(--gold);
}
.header-cta{display:flex;align-items:center;gap:14px}
.header-cta .btn{padding:12px 20px;font-size:.87rem}
.header-phone{font-size:.9rem;font-weight:550;text-decoration:none;color:var(--navy);white-space:nowrap}
.header-phone:hover{color:var(--gold)}

.nav-toggle{
  display:none;background:none;border:1px solid var(--line);border-radius:var(--r);
  width:44px;height:44px;cursor:pointer;align-items:center;justify-content:center;
}
.nav-toggle span{display:block;width:19px;height:1.5px;background:var(--navy);position:relative}
.nav-toggle span::before,.nav-toggle span::after{
  content:"";position:absolute;left:0;width:19px;height:1.5px;background:var(--navy);transition:.25s var(--ease)
}
.nav-toggle span::before{top:-6px}.nav-toggle span::after{top:6px}
.nav-toggle[aria-expanded="true"] span{background:transparent}
.nav-toggle[aria-expanded="true"] span::before{top:0;transform:rotate(45deg)}
.nav-toggle[aria-expanded="true"] span::after{top:0;transform:rotate(-45deg)}

@media (max-width:1040px){
  .nav-toggle{display:flex}
  .header-cta{display:none}
  .nav{
    position:fixed;inset:76px 0 auto 0;flex-direction:column;align-items:stretch;gap:0;
    background:var(--white);border-bottom:1px solid var(--line);padding:12px 24px 28px;
    box-shadow:var(--shadow-lift);transform:translateY(-8px);opacity:0;pointer-events:none;
    transition:.25s var(--ease);max-height:calc(100vh - 76px);overflow:auto;
  }
  .nav.is-open{transform:none;opacity:1;pointer-events:auto}
  .nav a{padding:15px 4px;border-bottom:1px solid var(--line);border-radius:0;font-size:1rem}
  .nav a[aria-current="page"]::after{display:none}
  .nav>.btn{display:inline-flex}
  .nav .btn{margin-top:18px;width:100%;border-bottom:0}
}

/* ---------- hero ---------- */
.hero{
  position:relative;background:var(--navy);color:#fff;overflow:hidden;
  padding:clamp(96px,13vw,168px) 0 clamp(72px,9vw,110px);
}
.hero::before{
  content:"";position:absolute;inset:0;
  background:
    radial-gradient(120% 90% at 88% 0%,rgba(167,136,69,.20),transparent 58%),
    radial-gradient(90% 70% at 0% 100%,rgba(30,61,102,.55),transparent 60%);
}
.hero::after{
  content:"";position:absolute;inset:0;opacity:.5;
  background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),
                   linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);
  background-size:76px 76px;
  -webkit-mask-image:radial-gradient(120% 80% at 70% 10%,#000,transparent 70%);
          mask-image:radial-gradient(120% 80% at 70% 10%,#000,transparent 70%);
}
.hero .wrap{position:relative;z-index:2}
.hero h1{color:#fff;max-width:22ch}
.hero .lede{color:#B9C4D1;max-width:52ch;font-size:clamp(1.06rem,1.6vw,1.28rem)}
.hero .btn-row{margin-top:34px}
.hero--page{padding:clamp(80px,10vw,124px) 0 clamp(60px,7vw,86px)}
.hero--page h1{max-width:20ch}

.credbar{background:var(--navy-700);border-top:1px solid rgba(255,255,255,.09);position:relative;z-index:2}
.credbar ul{
  list-style:none;margin:0;padding:20px 0;display:flex;flex-wrap:wrap;
  justify-content:center;align-items:center;gap:10px 0;
}
.credbar li{
  color:#C6D0DB;font-size:.8rem;font-weight:550;letter-spacing:.14em;text-transform:uppercase;
  padding:0 clamp(14px,2.6vw,30px);border-right:1px solid rgba(255,255,255,.14);
}
.credbar li:last-child{border-right:0}

/* ---------- grids & cards ---------- */
.grid{display:grid;gap:clamp(18px,2.2vw,26px)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
@media (max-width:900px){.grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}

.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(32px,6vw,80px);align-items:start}
.split--top{align-items:start}
@media (max-width:880px){.split{grid-template-columns:1fr;gap:36px}}

.card{
  background:var(--white);border:1px solid var(--line);border-radius:var(--r);
  padding:clamp(24px,3vw,34px);transition:.3s var(--ease);position:relative;
  display:flex;flex-direction:column;
}
.card::before{
  content:"";position:absolute;left:0;right:0;top:0;height:2px;background:var(--gold);
  transform:scaleX(0);transform-origin:left;transition:transform .35s var(--ease);
}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lift);border-color:var(--grey)}
.card:hover::before{transform:scaleX(1)}
.card h3{margin-bottom:.45em}
.card p{color:var(--muted);font-size:.97rem;margin-bottom:1.4em}
.card .arrow-link{margin-top:auto;align-self:flex-start}
.card-num{
  font-family:var(--serif);font-size:.9rem;color:var(--gold);font-weight:600;
  letter-spacing:.08em;margin-bottom:14px;display:block;
}

.point{padding-top:22px;border-top:1px solid var(--line)}
.point h3{font-size:1.08rem;margin-bottom:.4em}
.point p{color:var(--muted);font-size:.95rem;margin:0}
.section--navy .point{border-color:rgba(255,255,255,.15)}
.section--navy .point p{color:#AEBBC9}

.pill-grid{display:flex;flex-wrap:wrap;gap:12px}
.pill{
  border:1px solid var(--line);border-radius:100px;padding:11px 22px;
  font-size:.92rem;font-weight:500;background:var(--white);transition:.25s var(--ease);
}
.pill:hover{border-color:var(--gold);color:var(--navy)}
.section--navy .pill{background:transparent;border-color:rgba(255,255,255,.2);color:#E9EDF2}

/* ---------- checklist (know your numbers) ---------- */
.checklist{list-style:none;margin:0;padding:0;display:grid;gap:0}
.checklist li{
  display:flex;gap:18px;align-items:flex-start;padding:22px 0;
  border-bottom:1px solid rgba(255,255,255,.13);font-size:clamp(1rem,1.4vw,1.12rem);
}
.checklist li:first-child{border-top:1px solid rgba(255,255,255,.13)}
.checklist .q{
  flex:0 0 auto;font-family:var(--serif);color:#C6A464;font-size:.95rem;
  padding-top:.25em;min-width:22px;
}
.checklist--light li{border-color:var(--line)}
.checklist--light li:first-child{border-top:1px solid var(--line)}

/* ---------- steps ---------- */
.steps{counter-reset:step;display:grid;gap:clamp(20px,2.4vw,28px)}
.step{position:relative;padding:30px clamp(22px,3vw,32px);background:var(--white);border:1px solid var(--line);border-radius:var(--r)}
.step::before{
  counter-increment:step;content:"0" counter(step);
  font-family:var(--serif);font-size:1.5rem;color:var(--gold);display:block;margin-bottom:12px;
}
.step h3{font-size:1.15rem}
.step p{color:var(--muted);font-size:.96rem;margin:0}

/* ---------- service blocks ---------- */
.service{scroll-margin-top:110px;padding:clamp(44px,5.5vw,72px) 0;border-top:1px solid var(--line)}
.service:first-of-type{border-top:0;padding-top:0}
.service .service-index{
  font-family:var(--serif);color:var(--gold);font-size:.9rem;letter-spacing:.1em;
  display:block;margin-bottom:14px;
}
.service h2{font-size:clamp(1.6rem,2.8vw,2.15rem)}
.service ul{margin:0 0 24px;padding:0;list-style:none}
.service ul li{
  padding:10px 0 10px 24px;position:relative;color:var(--muted);font-size:.97rem;
  border-bottom:1px solid var(--line);
}
.service ul li::before{content:"";position:absolute;left:0;top:1.15em;width:9px;height:1px;background:var(--gold)}

.jump-nav{display:flex;flex-wrap:wrap;gap:10px;margin-top:30px}
.jump-nav a{
  text-decoration:none;font-size:.86rem;font-weight:500;padding:9px 16px;border-radius:100px;
  border:1px solid rgba(255,255,255,.22);color:#E9EDF2;transition:.25s var(--ease);
}
.jump-nav a:hover{background:var(--gold);border-color:var(--gold);color:var(--navy)}

/* ---------- founder ---------- */
.founder-photo{
  aspect-ratio:4/5;background:var(--grey);border:1px solid var(--line);border-radius:var(--r);
  display:flex;align-items:center;justify-content:center;text-align:center;padding:24px;
  color:var(--muted);font-size:.85rem;overflow:hidden;
}
.founder-photo img{width:100%;height:100%;object-fit:cover}

/* ---------- quote / statement ---------- */
.statement{
  font-family:var(--serif);font-size:clamp(1.4rem,2.8vw,2rem);line-height:1.35;
  letter-spacing:-.015em;color:var(--navy);margin:0;
}
.section--navy .statement{color:#fff}
.statement--gold-rule{border-left:2px solid var(--gold);padding-left:clamp(22px,3vw,34px)}

/* ---------- forms ---------- */
.form-card{
  background:var(--white);border:1px solid var(--line);border-radius:var(--r);
  padding:clamp(26px,3.5vw,44px);box-shadow:var(--shadow);
}
.field{margin-bottom:20px}
.field label{display:block;font-size:.84rem;font-weight:600;letter-spacing:.02em;margin-bottom:8px;color:var(--navy)}
.field .req{color:var(--gold)}
.field input,.field select,.field textarea{
  width:100%;font-family:var(--sans);font-size:1rem;color:var(--ink);background:var(--white);
  border:1px solid var(--line);border-radius:var(--r);padding:13px 15px;transition:.2s var(--ease);
}
.field textarea{min-height:130px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(30,61,102,.10)
}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:20px}
@media (max-width:640px){.field-row{grid-template-columns:1fr}}
.form-note{font-size:.82rem;color:var(--muted);margin-top:16px}
.form-status{
  margin-top:18px;padding:14px 16px;border-radius:var(--r);font-size:.92rem;display:none;
  border:1px solid var(--line);background:var(--paper);
}
.form-status.is-visible{display:block}
.form-status.is-ok{border-color:#BEDCC4;background:#F2F8F3}
.form-status.is-err{border-color:#E6C9C9;background:#FBF4F4}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

.contact-list{list-style:none;margin:0;padding:0}
.contact-list li{padding:18px 0;border-bottom:1px solid var(--line)}
.contact-list li:first-child{border-top:1px solid var(--line)}
.contact-list .k{display:block;font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-bottom:6px}
.contact-list .v{font-size:1.05rem;font-weight:500;text-decoration:none;color:var(--navy)}
a.v:hover{color:var(--gold)}

.btn .placeholder,.cta-band .placeholder,.section--navy .placeholder{
  color:inherit;background:rgba(255,255,255,.12);border-bottom-color:currentColor;
}
.site-footer .placeholder{color:#C6D0DB;background:rgba(255,255,255,.10);border-bottom-color:rgba(198,164,100,.7)}
.placeholder{
  background:rgba(167,136,69,.12);border-bottom:1px dashed var(--gold);
  padding:1px 6px;border-radius:2px;font-size:.95em;color:var(--muted);font-style:normal;
}

/* ---------- CTA band ---------- */
.cta-band{background:var(--navy);color:#fff;position:relative;overflow:hidden}
.section--navy + .cta-band{border-top:1px solid rgba(255,255,255,.10)}
.cta-band::before{
  content:"";position:absolute;inset:0;
  background:radial-gradient(80% 120% at 100% 0%,rgba(167,136,69,.18),transparent 60%);
}
.cta-band .wrap{position:relative;z-index:2}
.cta-band h2{color:#fff}
.cta-band p{color:#B9C4D1}

/* ---------- footer ---------- */
.site-footer{background:var(--navy);color:#9FADBC;font-size:.92rem;border-top:1px solid rgba(255,255,255,.08)}
.footer-top{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:clamp(28px,4vw,48px);padding:clamp(52px,6vw,76px) 0 44px}
@media (max-width:900px){.footer-top{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.footer-top{grid-template-columns:1fr}}
.footer-brand img{height:78px;width:auto;margin-bottom:20px}
.footer-brand .brand-fallback strong{color:#fff}
.footer-brand p{max-width:34ch;font-size:.92rem;line-height:1.6}
.site-footer h4{
  font-family:var(--sans);font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;
  color:#fff;font-weight:600;margin:0 0 18px;
}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:11px}
.site-footer a{text-decoration:none;transition:.2s var(--ease)}
.site-footer a:hover{color:var(--gold-light)}
.footer-legal{
  border-top:1px solid rgba(255,255,255,.1);padding:24px 0 40px;
  display:flex;flex-wrap:wrap;gap:12px 26px;justify-content:space-between;align-items:center;font-size:.83rem;
}
.footer-legal nav{display:flex;flex-wrap:wrap;gap:20px}
.footer-disclosure{
  font-size:.8rem;line-height:1.6;color:#8494A5;border-top:1px solid rgba(255,255,255,.1);
  padding:22px 0 34px;max-width:80ch;
}

/* ---------- reveal ---------- */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.reveal.is-in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  .reveal{opacity:1;transform:none;transition:none}
  *,*::before,*::after{animation-duration:.01ms!important;transition-duration:.01ms!important}
  .btn:hover,.card:hover{transform:none}
}

.skip-link{
  position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;
  padding:12px 20px;z-index:100;text-decoration:none;
}
.skip-link:focus{left:8px;top:8px}
:focus-visible{outline:2px solid var(--gold);outline-offset:2px}

/* ==========================================================================
   Comparison — traditional vs Chiltern
   ========================================================================== */
.compare{display:grid;grid-template-columns:1fr 1fr;gap:clamp(18px,2.4vw,28px)}
@media (max-width:760px){.compare{grid-template-columns:1fr}}
.compare-col{
  border:1px solid var(--line);border-radius:var(--r);background:var(--white);
  padding:clamp(24px,3vw,34px);
}
.compare-col--ours{
  background:var(--navy);border-color:var(--navy);color:#E9EDF2;position:relative;overflow:hidden;
}
.compare-col--ours::before{
  content:"";position:absolute;inset:0;
  background:radial-gradient(90% 120% at 100% 0%,rgba(167,136,69,.20),transparent 62%);
}
.compare-col>*{position:relative;z-index:1}
.compare-head{
  font-size:.72rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;
  margin:0 0 22px;padding-bottom:16px;border-bottom:1px solid var(--line);
}
.compare-col--ours .compare-head{color:#C6A464;border-bottom-color:rgba(255,255,255,.16)}
.compare-col--theirs .compare-head{color:var(--muted)}
.compare-col ul{list-style:none;margin:0;padding:0}
.compare-col li{
  display:flex;gap:14px;align-items:flex-start;padding:13px 0;font-size:.98rem;
  border-bottom:1px solid var(--line);
}
.compare-col li:last-child{border-bottom:0;padding-bottom:0}
.compare-col--ours li{border-bottom-color:rgba(255,255,255,.12)}
.compare-col--theirs li{color:var(--muted)}
.compare-mark{
  flex:0 0 auto;width:18px;height:18px;margin-top:2px;
}
.compare-col--theirs .compare-mark{color:#A9B2BC}
.compare-col--ours .compare-mark{color:#C6A464}

/* ==========================================================================
   60-second business finance check
   ========================================================================== */
.section--navy .check p,.check p{color:var(--ink)}
.section--navy .check .check-progress,.check .check-progress,
.section--navy .check .check-note,.check .check-note{color:var(--muted)}
.check{
  background:var(--white);border:1px solid var(--line);border-radius:var(--r);
  padding:clamp(24px,3.4vw,40px);box-shadow:var(--shadow);
}
.check-q{
  display:grid;grid-template-columns:1fr auto;gap:18px 24px;align-items:center;
  padding:18px 0;border-bottom:1px solid var(--line);
}
.check-q:first-of-type{padding-top:0}
.check-q:last-of-type{border-bottom:0;padding-bottom:26px}
.check-q p{margin:0;font-size:1rem;line-height:1.5}
.check-q .n{
  font-family:var(--serif);color:var(--gold);font-size:.85rem;letter-spacing:.08em;
  display:block;margin-bottom:5px;
}
@media (max-width:520px){
  .check-q{grid-template-columns:1fr;gap:14px}
}
.check-opts{display:flex;gap:8px;flex:0 0 auto}
.check-opts button{
  font-family:var(--sans);font-size:.84rem;font-weight:600;letter-spacing:.04em;
  padding:9px 20px;border-radius:100px;border:1px solid var(--line);
  background:var(--white);color:var(--muted);cursor:pointer;transition:.22s var(--ease);
}
.check-opts button:hover{border-color:var(--navy);color:var(--navy)}
.check-opts button[aria-pressed="true"]{
  background:var(--navy);border-color:var(--navy);color:#fff;
}
.check-opts button[aria-pressed="true"][data-a="no"]{
  background:var(--white);border-color:var(--gold);color:var(--navy);
  box-shadow:inset 0 0 0 1px var(--gold);
}
.check-foot{
  border-top:1px solid var(--line);margin-top:4px;padding-top:26px;
  display:flex;flex-wrap:wrap;gap:20px;align-items:center;justify-content:space-between;
}
.check-progress{font-size:.85rem;color:var(--muted)}
.check-result{display:none}
.check-result.is-visible{display:block;animation:checkIn .5s var(--ease) both}
@keyframes checkIn{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
.check-score{
  font-family:var(--serif);font-size:clamp(2.4rem,5vw,3.2rem);line-height:1;color:var(--navy);
  display:flex;align-items:baseline;gap:6px;margin-bottom:14px;
}
.check-score small{font-size:.4em;color:var(--muted);font-weight:400;letter-spacing:.02em}
.check-verdict{
  font-family:var(--serif);font-size:clamp(1.25rem,2.2vw,1.6rem);line-height:1.3;
  color:var(--navy);margin:0 0 10px;letter-spacing:-.01em;
}
.check-reset{
  background:none;border:0;padding:0;font-family:var(--sans);font-size:.85rem;color:var(--muted);
  text-decoration:underline;text-underline-offset:3px;cursor:pointer;
}
.check-reset:hover{color:var(--navy)}

/* ==========================================================================
   Founder strip
   ========================================================================== */
.founder-strip{display:grid;grid-template-columns:minmax(0,.72fr) minmax(0,1fr);gap:clamp(32px,5vw,72px);align-items:center}
@media (max-width:820px){.founder-strip{grid-template-columns:1fr;gap:34px}}

/* ==========================================================================
   Switch prompt
   ========================================================================== */
.switch-prompt{display:grid;grid-template-columns:1fr 1fr;gap:clamp(20px,3vw,32px);align-items:stretch}
@media (max-width:760px){.switch-prompt{grid-template-columns:1fr}}
.switch-panel{
  border:1px solid var(--line);border-radius:var(--r);background:var(--white);
  padding:clamp(26px,3.4vw,40px);display:flex;flex-direction:column;
}
.switch-panel--quiet{background:var(--paper)}
.switch-panel h3{font-size:clamp(1.3rem,2.2vw,1.7rem);margin-bottom:.4em}
.switch-panel p{color:var(--muted);font-size:.98rem}
.switch-panel .btn-row{margin-top:auto;padding-top:24px}

/* ==========================================================================
   Consultation steps
   ========================================================================== */
.consult{counter-reset:cstep;display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(20px,2.6vw,30px)}
@media (max-width:820px){.consult{grid-template-columns:1fr}}
.consult-step{border-top:2px solid rgba(255,255,255,.18);padding-top:22px}
.consult-step .n{
  counter-increment:cstep;content:"";font-family:var(--serif);color:#C6A464;
  font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;display:block;margin-bottom:12px;
}
.consult-step h3{font-size:1.12rem;margin-bottom:.45em;color:#fff}
.consult-step p{color:#AEBBC9;font-size:.95rem;margin:0}

/* ==========================================================================
   Testimonials (hidden until real ones exist — see README)
   ========================================================================== */
.testimonials[hidden]{display:none}
.quote-card{
  background:var(--white);border:1px solid var(--line);border-radius:var(--r);
  padding:clamp(26px,3vw,36px);display:flex;flex-direction:column;
}
.quote-card blockquote{
  margin:0 0 22px;font-family:var(--serif);font-size:1.02rem;line-height:1.55;color:var(--ink);
}
@media (min-width:901px){.quote-card blockquote{font-size:1.06rem}}
.quote-card blockquote::before{
  content:"";display:block;width:26px;height:2px;background:var(--gold);margin-bottom:18px;
}
.quote-card cite{
  font-style:normal;font-size:.86rem;color:var(--muted);margin-top:auto;
}
.quote-card cite strong{display:block;color:var(--navy);font-weight:600;font-size:.94rem;margin-bottom:2px}

/* Decorative eyebrow rules crowd the text once it wraps on small screens. */
@media (max-width:640px){
  .eyebrow::before,.eyebrow::after{display:none}
  .eyebrow{gap:0}
}

/* ==========================================================================
   Tablet / large-phone refinements

   These sit last so they win over the earlier breakpoints, and are bounded
   with min-width so they never override the single-column phone rules above.
   ========================================================================== */

/* Four cards across is too tight below ~1100px — the copy shreds into
   five- and six-line columns. Go to a 2x2 instead. */
@media (min-width:641px) and (max-width:1100px){
  .grid-4{grid-template-columns:repeat(2,1fr)}
}
@media (min-width:561px) and (max-width:1000px){
  .footer-top{grid-template-columns:1fr 1fr}
}

/* Side-by-side panels stack at the same point their surrounding .split does
   (880px), rather than staying cramped down to 760px. */
@media (max-width:880px){
  .compare{grid-template-columns:1fr}
  .switch-prompt{grid-template-columns:1fr}
  .grid-3.steps{grid-template-columns:1fr}
}

/* Contact affordances added once real details existed */
.nav-phone{display:none}
@media (max-width:1040px){
  .nav-phone{display:block;font-weight:600}
}
.hero-promise{
  margin:26px 0 0;font-size:.9rem;color:#9FB0C2;
  display:flex;align-items:center;gap:10px;
}
.hero-promise::before{
  content:"";flex:0 0 auto;width:6px;height:6px;border-radius:50%;
  background:#C6A464;
}

/* The header gained a phone number, so it needs more room before it fits.
   Ladder: full nav + phone + CTA at 1200+, nav + CTA to 1100, burger below. */
.btn{white-space:nowrap}
@media (max-width:1199px){
  .header-phone{display:none}
}
@media (max-width:1100px){
  .nav-toggle{display:flex}
  .header-cta{display:none}
  .nav{
    position:fixed;inset:76px 0 auto 0;flex-direction:column;align-items:stretch;gap:0;
    background:var(--white);border-bottom:1px solid var(--line);padding:12px 24px 28px;
    box-shadow:var(--shadow-lift);transform:translateY(-8px);opacity:0;pointer-events:none;
    transition:.25s var(--ease);max-height:calc(100vh - 76px);overflow:auto;
  }
  .nav.is-open{transform:none;opacity:1;pointer-events:auto}
  .nav a{padding:15px 4px;border-bottom:1px solid var(--line);border-radius:0;font-size:1rem}
  .nav a[aria-current="page"]::after{display:none}
  .nav>.btn{display:inline-flex;margin-top:18px;width:100%;border-bottom:0}
  .nav-phone{display:block;font-weight:600}
}
@media (min-width:1101px){
  .nav-toggle{display:none}
  .header-cta{display:flex}
}

/* ---- finance check: email capture ---- */
.check-capture{
  border-top:1px solid var(--line);padding-top:22px;margin-top:6px;
}
.check-capture label{
  display:block;font-size:.95rem;font-weight:550;color:var(--navy);margin-bottom:12px;
}
.check-capture-row{display:flex;gap:10px;flex-wrap:wrap}
.check-capture-row input{
  flex:1 1 200px;min-width:0;font-family:var(--sans);font-size:1rem;color:var(--ink);
  background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:13px 15px;
  transition:.2s var(--ease);
}
.check-capture-row input:focus{
  outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(30,61,102,.10);
}
.check-capture-row .btn{flex:0 0 auto}
@media (max-width:460px){.check-capture-row .btn{width:100%}}
.check-capture-note{font-size:.8rem;color:var(--muted);margin:12px 0 0;line-height:1.55}
.check-capture-status{
  font-size:.9rem;margin:12px 0 0;display:none;padding:11px 14px;border-radius:var(--r);
  border:1px solid var(--line);background:var(--paper);
}
.check-capture-status.is-visible{display:block}
.check-capture-status.is-ok{border-color:#BEDCC4;background:#F2F8F3;color:#1F4D30}
.check-capture-status.is-err{border-color:#E6C9C9;background:#FBF4F4;color:#7A2222}
.check-or{
  font-size:.8rem;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);
  margin:26px 0 14px;
}

/* ---- trust row (hidden until real accreditations exist) ---- */
.trust-row[hidden]{display:none}
.trust-row{background:var(--paper);border-top:1px solid var(--line);padding:26px 0}
.trust-row ul{
  list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;
  align-items:center;justify-content:center;gap:18px 44px;
}
.trust-row li{
  font-size:.82rem;letter-spacing:.06em;color:var(--muted);
  display:flex;align-items:center;
}
.trust-row img{max-height:34px;width:auto;opacity:.75}

/* ---- pricing (hidden until figures are confirmed) ---- */
#pricing[hidden]{display:none}
.price-list{list-style:none;margin:0 0 22px;padding:0}
.price-list li{
  padding:9px 0 9px 22px;position:relative;font-size:.94rem;color:var(--muted);
  border-bottom:1px solid var(--line);
}
.price-list li:last-child{border-bottom:0}
.price-list li::before{
  content:"";position:absolute;left:0;top:1.05em;width:8px;height:1px;background:var(--gold);
}

/* ---- breadcrumbs (page heroes only; the homepage is the root) ---- */
.crumbs{
  display:flex;align-items:center;gap:10px;flex-wrap:wrap;
  margin:0 0 20px;font-size:.78rem;letter-spacing:.04em;color:#8FA0B2;
}
.crumbs a{
  color:#B9C4D1;text-decoration:none;border-bottom:1px solid transparent;
  transition:.2s var(--ease);
}
.crumbs a:hover{color:#fff;border-bottom-color:rgba(255,255,255,.4)}
.crumbs-sep{color:#5B6B7D}
.crumbs [aria-current="page"]{color:#C6A464}