/* =====================================================
   Praxis Insurance Partners — Website Redesign
   Design language: quiet luxury / boutique private wealth
   Palette: charcoal, cream, warm gold accent
   Fonts: Cormorant Garamond (display serif) + Inter (body)
   ===================================================== */

@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,400;0,500;0,600;1,400&family=Inter:wght@400;500;600;700&display=swap');

:root {
  --charcoal: #1c1c1a;
  --charcoal-soft: #2a2a26;
  --cream: #faf7f2;
  --cream-dark: #f0ebe1;
  --gold: #a8823f;
  --gold-light: #c9a768;
  --ink: #2b2b28;
  --muted: #6b6b63;
  --border: #e3ddd0;
  --white: #ffffff;

  --serif: 'Cormorant Garamond', Georgia, serif;
  --sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --max-width: 1200px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--sans);
  color: var(--ink);
  background: var(--cream);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

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

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

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 32px;
}

h1, h2, h3, h4 {
  font-family: var(--serif);
  font-weight: 500;
  line-height: 1.15;
  color: var(--charcoal);
}

h1 { font-size: clamp(2.6rem, 5vw, 4.4rem); font-weight: 500; }
h2 { font-size: clamp(1.9rem, 3.2vw, 2.8rem); }
h3 { font-size: 1.5rem; }

.eyebrow {
  font-family: var(--sans);
  font-size: 0.72rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 600;
  display: block;
  margin-bottom: 14px;
}

.lede {
  font-size: 1.15rem;
  color: var(--muted);
  max-width: 620px;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: 15px 34px;
  font-size: 0.85rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  font-weight: 600;
  border-radius: 2px;
  transition: all 0.25s ease;
  cursor: pointer;
  border: 1px solid transparent;
}
.btn-gold {
  background: var(--gold);
  color: var(--white);
}
.btn-gold:hover { background: var(--charcoal); }
.btn-outline {
  border-color: currentColor;
  color: var(--cream);
}
.btn-outline:hover { background: rgba(255,255,255,0.12); }
.btn-dark {
  background: var(--charcoal);
  color: var(--cream);
}
.btn-dark:hover { background: var(--gold); }

/* ---------- Header / Nav ---------- */
.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  padding: 22px 0;
  transition: background 0.3s ease, padding 0.3s ease, box-shadow 0.3s ease;
}
.site-header.is-scrolled {
  background: var(--cream);
  padding: 14px 0;
  box-shadow: 0 2px 18px rgba(0,0,0,0.06);
}
.site-header .container {
  max-width: 1480px; /* wider than the page container so 7 tabs + CTA fit on one line */
  padding-left: 24px;
  padding-right: 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: nowrap;
  gap: 16px;
  position: relative;
}
.brand {
  font-family: var(--serif);
  font-size: 1.5rem;
  letter-spacing: 0.03em;
  color: var(--cream);
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
  white-space: nowrap;
}
.site-header.is-scrolled .brand,
.site-header.on-light .brand { color: var(--charcoal); }
/* Full horizontal lockup (icon + PRAXIS / INSURANCE PARTNERS), same art as the email
   signatures. Two files: light lettering over the dark hero and in the footer, dark
   lettering once the header turns cream (scrolled, or light-header pages). */
.logo-full {
  height: 56px;
  width: auto;
  display: block;
  transition: height 0.3s ease;
}
.brand .logo-dark { display: none; }
.site-header.is-scrolled .logo-light,
.site-header.on-light .logo-light { display: none; }
.site-header.is-scrolled .logo-dark,
.site-header.on-light .logo-dark { display: block; }
.site-header.is-scrolled .logo-full { height: 48px; }
.footer-logo {
  height: 64px;
  width: auto;
  display: block;
  margin-bottom: 18px;
}

.nav-links {
  display: flex;
  gap: 16px;
  list-style: none;
  flex-shrink: 0;
}
.nav-links li { flex-shrink: 0; }
.nav-links a {
  font-size: 0.76rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--cream);
  font-weight: 500;
  position: relative;
  padding-bottom: 4px;
  white-space: nowrap;
}
.site-header.is-scrolled .nav-links a,
.site-header.on-light .nav-links a { color: var(--ink); }
.nav-links a::after {
  content: '';
  position: absolute;
  left: 0; bottom: 0;
  width: 0; height: 1px;
  background: var(--gold);
  transition: width 0.25s ease;
}
.nav-links a:hover::after { width: 100%; }
.nav-links a.current::after { width: 100%; }

.nav-cta {
  display: flex;
  align-items: center;
  gap: 24px;
  flex-shrink: 0;
}
.nav-cta .phone {
  font-size: 0.85rem;
  color: var(--cream);
  font-weight: 500;
  white-space: nowrap;
}
.nav-cta .btn { white-space: nowrap; }
.site-header.is-scrolled .nav-cta .phone,
.site-header.on-light .nav-cta .phone { color: var(--ink); }

.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  /* 44x44 tap area (phone guideline); negative margin keeps the bars where they were */
  min-width: 44px;
  min-height: 44px;
  margin: -10px;
  padding: 10px;
}
.nav-toggle span {
  width: 24px; height: 2px;
  background: var(--cream);
}
.site-header.is-scrolled .nav-toggle span,
.site-header.on-light .nav-toggle span { background: var(--ink); }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  min-height: 92vh;
  display: flex;
  align-items: center;
  background: linear-gradient(180deg, rgba(20,20,18,0.55) 0%, rgba(20,20,18,0.72) 55%, rgba(20,20,18,0.88) 100%),
              url('https://img1.wsimg.com/isteam/getty/1014709642/:/') center/cover no-repeat;
  color: var(--cream);
  padding-top: 120px;
}
.hero-inner { max-width: 720px; }
.hero h1 { color: var(--white); margin-bottom: 22px; }
.hero .lede { color: rgba(250,247,242,0.82); font-size: 1.2rem; margin-bottom: 36px; }
.hero-actions { display: flex; gap: 18px; flex-wrap: wrap; }
.hero-scroll {
  position: absolute;
  bottom: 34px; left: 50%;
  transform: translateX(-50%);
  color: rgba(250,247,242,0.6);
  font-size: 0.7rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  text-align: center;
}
.hero-scroll::after {
  content: '';
  display: block;
  width: 1px; height: 34px;
  background: rgba(250,247,242,0.4);
  margin: 10px auto 0;
}

/* ---------- Page header (interior pages) ---------- */
.page-hero {
  padding: 190px 0 90px;
  background: var(--charcoal);
  color: var(--cream);
}
.page-hero .eyebrow { color: var(--gold-light); }
.page-hero h1 { color: var(--white); }
.page-hero .lede { color: rgba(250,247,242,0.75); }

/* ---------- Sections ---------- */
section { padding: 100px 0; }
.section-cream { background: var(--cream); }
.section-white { background: var(--white); }
.section-dark { background: var(--charcoal); color: var(--cream); }
.section-dark h2, .section-dark h3 { color: var(--white); }
.section-dark .muted { color: rgba(250,247,242,0.65); }

.section-head { max-width: 700px; margin-bottom: 56px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }

/* ---------- Intro strip ---------- */
.intro-strip {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

/* ---------- Stats band (big, centered, high-contrast) ---------- */
.stats-band { padding: 90px 0 110px; }
.stat-row-lg {
  display: flex;
  justify-content: center;
  align-items: stretch;
  flex-wrap: wrap;
  gap: 0;
}
.stat-lg {
  padding: 0 70px;
  text-align: center;
  position: relative;
}
.stat-lg:not(:first-child)::before {
  content: '';
  position: absolute;
  left: 0; top: 8%;
  height: 84%;
  width: 1px;
  background: rgba(250,247,242,0.15);
}
.stat-lg .num {
  font-family: var(--serif);
  font-size: clamp(3.2rem, 6vw, 5.2rem);
  line-height: 1;
  color: var(--gold-light);
  display: block;
  margin-bottom: 16px;
}
.stat-lg .label {
  font-size: 0.85rem;
  color: rgba(250,247,242,0.7);
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

@media (max-width: 760px) {
  .stat-row-lg { flex-direction: column; gap: 48px; }
  .stat-lg { padding: 0; }
  .stat-lg:not(:first-child)::before { display: none; }
}

/* ---------- Cards grid ---------- */
.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 36px;
}
.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 36px;
}
/* Center a lone last card when the count doesn't divide evenly into 3 columns */
.services-grid > :last-child:nth-child(3n+1) { grid-column: 2; }

.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.service-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 18px 40px rgba(28,28,26,0.08);
}
.service-card .thumb {
  height: 190px;
  overflow: hidden;
  background: var(--cream-dark);
}
.service-card .thumb img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.45s ease;
}
.service-card:hover .thumb img { transform: scale(1.06); }
.service-card .card-body {
  padding: 34px 30px;
  flex: 1;
  display: flex;
  flex-direction: column;
}
.service-card .icon {
  width: 46px; height: 46px;
  margin-bottom: 22px;
  color: var(--gold);
}
.service-card h3 { margin-bottom: 12px; font-size: 1.35rem; }
.service-card p { color: var(--muted); font-size: 0.96rem; margin-bottom: 18px; }
.service-card .more {
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--gold);
  font-weight: 600;
  margin-top: auto;
}
/* Whole tile is clickable when it has a link: the link's ::after
   stretches over the full card (card is the positioned parent). */
.service-card { position: relative; }
.service-card .more::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 1;
}
.service-card:has(.more:focus-visible) { outline: 2px solid var(--gold); outline-offset: 3px; }
.service-card .more:focus-visible { outline: none; }

/* ---------- Ideal client list ---------- */
.client-list {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1px;
  background: var(--border);
  border: 1px solid var(--border);
}
.client-item {
  background: var(--cream);
  padding: 34px;
}
.client-item h3 { font-size: 1.2rem; margin-bottom: 10px; color: var(--charcoal); }
.client-item p { color: var(--muted); font-size: 0.93rem; }

/* ---------- Case studies ---------- */
.case-card {
  display: grid;
  grid-template-columns: 420px 1fr;
  background: var(--white);
  border: 1px solid var(--border);
  margin-bottom: 28px;
  overflow: hidden;
}
.case-thumb {
  overflow: hidden;
  align-self: center;
  aspect-ratio: 3 / 2;
}
.case-thumb img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.case-content {
  padding: 44px 48px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.case-content .tag {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--gold);
  font-weight: 600;
  display: block;
  margin-bottom: 8px;
}
.case-content h3 { font-size: 1.6rem; margin-bottom: 24px; }
.case-content .block { margin-bottom: 20px; }
.case-content .block:last-child { margin-bottom: 0; }
.case-content .block h4 {
  font-family: var(--sans);
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--muted);
  margin-bottom: 6px;
}
.case-content .block p { font-size: 0.97rem; color: var(--ink); }

@media (max-width: 900px) {
  .case-card { grid-template-columns: 1fr; }
  .case-content { padding: 32px 30px; }
}

/* ---------- Team ---------- */
.team-card {
  display: grid;
  grid-template-columns: 220px 1fr;
  gap: 44px;
  padding: 48px 0;
  border-bottom: 1px solid var(--border);
}
.team-card:last-child { border-bottom: none; }
.monogram {
  width: 220px; height: 220px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--charcoal), var(--charcoal-soft));
  color: var(--gold-light);
  font-family: var(--serif);
  font-size: 3.2rem;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1px solid var(--gold);
  overflow: hidden;
  flex-shrink: 0;
}
.monogram img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 20%; /* tall portrait headshots: keep the face centered in the circle */
}
.team-card h3 { margin-bottom: 4px; }
.team-card .role {
  color: var(--gold);
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  font-weight: 600;
  margin-bottom: 18px;
  display: block;
}
.team-card p { margin-bottom: 14px; color: var(--ink); font-size: 0.97rem; }
.credentials {
  margin-top: 20px;
  display: flex;
  gap: 40px;
  flex-wrap: wrap;
}
.credentials .cred-label {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--muted);
  margin-bottom: 4px;
}
.credentials .cred-value { font-size: 0.92rem; }
.credentials .cred-value + .cred-value { margin-top: 4px; } /* multiple lines under one label (e.g. Wes: MBA, BS, BYU) */

/* ---------- Insights / blog ---------- */
.insight-card {
  background: var(--white);
  border: 1px solid var(--border);
  display: flex;
  flex-direction: column;
}
.insight-card .thumb {
  height: 190px;
  background: linear-gradient(120deg, #2a2622, #4a4032 45%, #a8823f 100%);
}
.insight-card .body { padding: 30px; }
.insight-card .meta {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: 10px;
}
.insight-card h3 { font-size: 1.3rem; margin-bottom: 10px; }
.insight-card p { color: var(--muted); font-size: 0.93rem; margin-bottom: 16px; }
.insight-card .read-more {
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--charcoal);
  font-weight: 600;
  margin-top: auto;
}

/* Article page */
.article-header { padding: 190px 0 50px; background: var(--cream-dark); }
.article-meta {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin-bottom: 22px;
}
.article-meta .pill {
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 6px 14px;
  background: var(--charcoal);
  color: var(--cream);
  border-radius: 20px;
}
.byline {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-top: 30px;
}
.byline .avatar {
  width: 46px; height: 46px;
  border-radius: 50%;
  background: var(--charcoal);
  color: var(--gold-light);
  font-family: var(--serif);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
}
.byline .name { font-weight: 600; font-size: 0.92rem; }
.byline .date { color: var(--muted); font-size: 0.82rem; }

.article-body {
  max-width: 740px;
  margin: 0 auto;
  padding: 70px 32px;
}
.article-body h2 { margin: 46px 0 18px; font-size: 1.8rem; }
.article-body p { margin-bottom: 20px; font-size: 1.05rem; color: var(--ink); }
.callout {
  background: var(--cream-dark);
  border-left: 3px solid var(--gold);
  padding: 30px 34px;
  margin: 36px 0;
}
.callout h4 {
  font-family: var(--sans);
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--gold);
  margin-bottom: 14px;
}
.callout ul { padding-left: 20px; }
.callout li { margin-bottom: 10px; font-size: 0.97rem; }

/* ---------- Insurance partners ---------- */
.partner-card {
  border: 1px solid var(--border);
  padding: 34px 38px;
}
.partner-card h3 {
  font-size: 1.25rem;
  margin-bottom: 12px;
}
.partner-card p {
  color: var(--muted);
  font-size: 0.95rem;
}

/* ---------- CTA band ---------- */
.cta-band {
  background: var(--charcoal);
  color: var(--cream);
  padding: 80px 0;
  text-align: center;
}
.cta-band h2 { color: var(--white); margin-bottom: 18px; }
.cta-band .lede { margin: 0 auto 34px; color: rgba(250,247,242,0.75); }

/* ---------- Calculator ---------- */
.calc-tool {
  max-width: 860px; /* room for the today vs. age-85 columns */
  margin: 0 auto;
  background: var(--white);
  border: 1px solid var(--border);
  padding: 48px;
}
.calc-inputs { display: flex; flex-direction: column; gap: 26px; }
.calc-field label {
  display: block;
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--muted);
  margin-bottom: 10px;
}
.calc-toggle {
  display: flex;
  border: 1px solid var(--border);
  overflow: hidden;
}
.calc-toggle-btn {
  flex: 1;
  padding: 14px;
  background: var(--cream);
  border: none;
  font-family: var(--sans);
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--muted);
  cursor: pointer;
  transition: background 0.2s ease, color 0.2s ease;
}
.calc-toggle-btn.active {
  background: var(--charcoal);
  color: var(--cream);
}
.calc-input-wrap {
  display: flex;
  align-items: center;
  border: 1px solid var(--border);
  background: var(--white);
}
.calc-prefix {
  padding: 0 0 0 16px;
  color: var(--muted);
  font-weight: 600;
}
.calc-input-wrap input {
  flex: 1;
  min-width: 0; /* let the field shrink on 320px phones instead of overflowing */
  width: 100%;
  border: none;
  padding: 14px 16px 14px 8px;
  font-family: var(--sans);
  font-size: 1rem;
  background: transparent;
}
.calc-input-wrap input:focus { outline: none; }
.calc-inputs .btn { margin-top: 4px; }
/* Net worth + age side by side; age box is narrower */
.calc-field-row { display: grid; grid-template-columns: 1fr 160px; gap: 20px; }
.calc-field-age .calc-input-wrap input { padding-left: 16px; }

.calc-results {
  margin-top: 36px;
  padding-top: 32px;
  border-top: 1px solid var(--border);
}
.calc-result-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 12px 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.95rem;
}
.calc-result-row span { color: var(--muted); }
.calc-result-row strong {
  font-family: var(--serif);
  font-size: 1.3rem;
  color: var(--charcoal);
}
.calc-result-row.highlight strong { color: var(--gold); font-size: 1.5rem; }
/* Today vs. age-85 comparison */
.calc-compare { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; }
.calc-col-title {
  font-family: var(--sans);
  font-size: 0.78rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--muted);
  margin-bottom: 4px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--border);
}
.calc-col-future .calc-col-title { color: var(--gold); border-bottom-color: var(--gold); }
.calc-compare .calc-result-row strong { font-size: 1.15rem; }
.calc-compare .calc-result-row.highlight strong { font-size: 1.35rem; }
.calc-growth-note {
  margin-top: 22px;
  padding: 14px 18px;
  background: var(--cream);
  border-left: 3px solid var(--gold);
  font-size: 0.95rem;
  color: var(--charcoal);
}
.calc-growth-note:empty { display: none; }
@media (max-width: 700px) {
  .calc-compare { grid-template-columns: 1fr; gap: 28px; }
  .calc-field-row { grid-template-columns: 1fr; }
}
.calc-disclaimer {
  font-size: 0.82rem;
  color: var(--muted);
  margin: 20px 0 24px;
  line-height: 1.6;
}
.calc-fund-link {
  display: inline-block;
  margin-top: 16px;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  color: var(--gold);
}
.calc-fund-link:hover { color: var(--charcoal); }

/* ---------- 5 Ways / Liquidity funding ---------- */
.liquidity .section-head { margin-bottom: 44px; }
.liq-band-label {
  text-align: center;
  font-family: var(--sans);
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: rgba(250,247,242,0.5);
  margin-bottom: 26px;
}
.liq-band-label.gold { color: var(--gold-light); margin-bottom: 18px; }

.don-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-bottom: 60px;
}
.don-card {
  background: var(--charcoal-soft);
  border: 1px solid rgba(250,247,242,0.10);
  padding: 30px 26px;
}
.don-num {
  display: block;
  font-family: var(--serif);
  font-size: 1.7rem;
  color: rgba(250,247,242,0.32);
  margin-bottom: 10px;
}
.don-card h3 { font-size: 1.25rem; margin-bottom: 6px; }
.don-sub {
  color: var(--gold-light);
  font-size: 0.85rem;
  font-style: italic;
  margin-bottom: 16px;
}
.don-card ul { list-style: none; }
.don-card li {
  position: relative;
  padding-left: 16px;
  margin-bottom: 10px;
  font-size: 0.9rem;
  color: rgba(250,247,242,0.72);
  line-height: 1.5;
}
.don-card li::before {
  content: "";
  position: absolute;
  left: 0; top: 10px;
  width: 6px; height: 1px;
  background: rgba(250,247,242,0.4);
}

.opt5 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  border: 1px solid var(--gold);
}
.opt5-main { padding: 46px; }
.opt5-main h3 { font-size: 1.75rem; margin-bottom: 14px; }
.opt5-main > p { color: rgba(250,247,242,0.78); margin-bottom: 22px; font-size: 0.98rem; }
.opt5-checks { list-style: none; margin-bottom: 22px; }
.opt5-checks li {
  position: relative;
  padding-left: 26px;
  margin-bottom: 12px;
  font-size: 0.95rem;
  color: var(--cream);
}
.opt5-checks li::before {
  content: "\2713";
  position: absolute;
  left: 0; top: 0;
  color: var(--gold-light);
  font-weight: 700;
}
.opt5-note {
  font-size: 0.85rem;
  color: rgba(250,247,242,0.6);
  line-height: 1.65;
}
.opt5-table {
  padding: 46px;
  background: rgba(168,130,63,0.09);
  border-left: 1px solid var(--gold);
}
.opt5-table h4 {
  font-family: var(--sans);
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--gold-light);
  margin-bottom: 20px;
}
.liq-table { width: 100%; border-collapse: collapse; }
.liq-table td {
  padding: 12px 0;
  border-bottom: 1px solid rgba(250,247,242,0.12);
  font-size: 0.9rem;
  color: rgba(250,247,242,0.75);
  vertical-align: top;
}
.liq-table td:nth-child(2) {
  font-family: var(--serif);
  font-size: 1.15rem;
  color: var(--cream);
  text-align: right;
  padding-left: 14px;
  white-space: nowrap;
}
.liq-table td:nth-child(3) {
  padding-left: 18px;
  font-size: 0.8rem;
  color: rgba(250,247,242,0.5);
}
.liq-table .liq-row-win td { color: var(--cream); border-bottom-color: rgba(201,167,104,0.35); }
.liq-table .liq-row-win td:first-child { color: var(--gold-light); font-weight: 600; }
.liq-table .liq-row-win td:nth-child(2) { color: var(--gold-light); }
.liq-fine {
  margin-top: 16px;
  font-size: 0.74rem;
  color: rgba(250,247,242,0.4);
  line-height: 1.6;
}

.liq-cta { text-align: center; margin-top: 50px; }
.liq-cta span {
  display: block;
  margin-top: 16px;
  font-size: 0.85rem;
  color: rgba(250,247,242,0.55);
}

@media (max-width: 1000px) {
  .don-grid { grid-template-columns: repeat(2, 1fr); }
  .opt5 { grid-template-columns: 1fr; }
  .opt5-table { border-left: none; border-top: 1px solid var(--gold); }
}
@media (max-width: 560px) {
  .don-grid { grid-template-columns: 1fr; }
  .opt5-main, .opt5-table { padding: 32px 26px; }
  .opt5 > * { min-width: 0; }
  /* 3-column math table: put the small note under each row so it fits 320px phones */
  .opt5-table .liq-table tr { display: grid; grid-template-columns: 1fr auto; border-bottom: 1px solid rgba(250,247,242,0.12); padding: 10px 0; }
  .opt5-table .liq-table td { border-bottom: none; padding: 0; }
  .opt5-table .liq-table td:nth-child(3) { grid-column: 1 / -1; padding-top: 4px; }
}

/* ---------- Contact ---------- */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 70px;
}
.form-group { margin-bottom: 22px; }
.form-group label {
  display: block;
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--muted);
  margin-bottom: 8px;
}
.form-group input, .form-group textarea, .form-group select {
  width: 100%;
  padding: 14px 16px;
  border: 1px solid var(--border);
  background: var(--white);
  font-family: var(--sans);
  font-size: 0.95rem;
  border-radius: 2px;
}
.form-group input:focus, .form-group textarea:focus {
  outline: none;
  border-color: var(--gold);
}
.contact-info .item { margin-bottom: 30px; }
.contact-info .item h4 {
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--gold);
  margin-bottom: 8px;
  font-family: var(--sans);
}

/* ---------- Footer ---------- */
.site-footer {
  background: var(--charcoal);
  color: rgba(250,247,242,0.7);
  padding: 70px 0 30px;
  font-size: 0.88rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 50px;
}
.footer-grid h4 {
  font-family: var(--sans);
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--cream);
  margin-bottom: 18px;
}
.footer-grid ul { list-style: none; }
.footer-grid li { margin-bottom: 10px; }
.footer-grid a:hover { color: var(--gold-light); }
.footer-brand {
  font-family: var(--serif);
  font-size: 1.4rem;
  color: var(--white);
  margin-bottom: 14px;
  display: block;
}
.footer-bottom {
  border-top: 1px solid rgba(250,247,242,0.12);
  padding-top: 26px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 0.78rem;
}
.disclosure {
  font-size: 0.74rem;
  color: rgba(250,247,242,0.45);
  margin-top: 24px;
  line-height: 1.7;
}

/* ---------- Breadcrumb-free simple back link ---------- */
.back-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: 30px;
}

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

/* Nav collapses to a hamburger before it would ever get cramped.
   Logo lockup + 7 tabs + phone + CTA button need ~1250px plus the scrollbar,
   so 1280px laptops keep the full nav. */
@media (max-width: 1279px) {
  .nav-links, .nav-cta .phone { display: none; }
  .nav-toggle { display: flex; }

  .nav-links.mobile-open {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 4px;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--charcoal);
    padding: 18px 32px 26px;
    box-shadow: 0 16px 30px rgba(0,0,0,0.25);
  }
  .nav-links.mobile-open a {
    color: var(--cream);
    padding: 10px 0;
    width: 100%;
  }
}

@media (max-width: 900px) {
  .intro-strip, .grid-3, .grid-2, .contact-grid, .client-list, .case-body, .footer-grid {
    grid-template-columns: 1fr;
  }
  .services-grid > :last-child:nth-child(3n+1) { grid-column: 1; }
  /* Stacked team cards: tighter spacing so the page does not feel stretched on phones */
  .team-card { grid-template-columns: 1fr; text-align: left; gap: 20px; padding: 36px 0; }
  .team-card .role { margin-bottom: 12px; }
  .credentials { gap: 14px 32px; margin-top: 16px; }
  .monogram { width: 140px; height: 140px; font-size: 2.2rem; }
  section { padding: 64px 0; }
  .calc-tool { padding: 32px 26px; }
}

/* Brand + CTA button + hamburger need ~690px side by side. Below that the
   button pushed the hamburger off-screen, so drop the header button (the
   menu's "Contact Us" and each page's CTA band cover the same action). */
@media (max-width: 700px) {
  .nav-cta .btn { display: none; }
}

/* Phones: shrink the brand so it and the hamburger fit down to 320px. */
@media (max-width: 480px) {
  .site-header .container { padding-left: 20px; padding-right: 20px; gap: 12px; }
  .logo-full, .site-header.is-scrolled .logo-full { height: 44px; }
}

/* Smallest phones: shrink the lockup again so it and the hamburger fit at 320px. */
@media (max-width: 360px) {
  .logo-full, .site-header.is-scrolled .logo-full { height: 40px; }
}

/* =====================================================
   Funding Estate Taxes page + nav treatments
   ===================================================== */

/* ---------- Funding page: problem stats ---------- */
.fund-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 44px;
}
.fund-stat {
  border-top: 2px solid var(--gold);
  padding-top: 20px;
}
.fund-stat .num {
  display: block;
  font-family: var(--serif);
  font-size: 2.1rem;
  color: var(--charcoal);
  margin-bottom: 10px;
}
.fund-stat .label {
  display: block;
  font-size: 0.9rem;
  color: var(--muted);
  line-height: 1.55;
}
.fund-jump { text-align: center; margin-top: 38px; }
.fund-jump a {
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--gold);
}

/* ---------- Funding page: how-it-works explainers ---------- */
.explainer-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 34px;
}
.explainer h3 {
  font-size: 1.3rem;
  margin-bottom: 14px;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--border);
}
.explainer p { color: var(--muted); font-size: 0.96rem; line-height: 1.7; }

/* ---------- Funding page: FAQ ---------- */
.faq-list {
  max-width: 820px;
  margin: 0 auto;
}
.faq-item {
  padding: 26px 0;
  border-bottom: 1px solid var(--border);
}
.faq-item:first-child { border-top: 1px solid var(--border); }
.faq-item h3 { font-size: 1.2rem; margin-bottom: 10px; }
.faq-item p { color: var(--muted); font-size: 0.97rem; line-height: 1.7; }

/* ---------- Funding page: related cards ---------- */
.related-card {
  display: flex;
  flex-direction: column;
  border: 1px solid var(--border);
  padding: 30px 30px 26px;
  background: var(--white);
  transition: border-color 0.2s ease, transform 0.2s ease;
}
.related-card:hover { border-color: var(--gold); transform: translateY(-3px); }
.rc-kicker {
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: 14px;
}
.related-card h3 { font-size: 1.25rem; margin-bottom: 10px; }
.related-card p { color: var(--muted); font-size: 0.92rem; line-height: 1.6; margin-bottom: 18px; }
.rc-more {
  margin-top: auto;
  font-size: 0.78rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--gold);
}

/* ---------- Homepage teaser for the funding page ---------- */
.teaser-ways {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 12px;
  max-width: 800px;
  margin: 0 auto 44px;
}
.teaser-ways li {
  border: 1px solid rgba(250,247,242,0.2);
  padding: 12px 20px;
  font-size: 0.85rem;
  color: rgba(250,247,242,0.7);
  letter-spacing: 0.02em;
}
.teaser-ways li.win {
  border-color: var(--gold);
  background: rgba(168,130,63,0.12);
  color: var(--gold-light);
  font-weight: 600;
}

@media (max-width: 900px) {
  .fund-stats, .explainer-grid { grid-template-columns: 1fr; }
}