/* ============ Harwood Accountants — single visual world, dark navy ============ */
:root{
  --black:#0C1320;
  --black-lift:#121B2B;
  --black-deep:#080E19;
  --bone:#EFECE6;
  --bone-dim:#B4AFA6;
  --grey:#7E7A73;
  --brass:#C2A163;
  --brass-dim:#8C7440;
  --rule:rgba(239,236,230,.14);
  --rule-faint:rgba(239,236,230,.07);
  --max:1160px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%; scroll-behavior:smooth; background:var(--black)}
@media (prefers-reduced-motion: reduce){html{scroll-behavior:auto} *{animation-duration:.001ms !important; transition-duration:.001ms !important}}
body{
  margin:0;
  background:var(--black);
  color:var(--bone-dim);
  font-family:Jost,"Futura","Century Gothic",-apple-system,sans-serif;
  font-weight:400;
  font-size:1.02rem;
  line-height:1.7;
  letter-spacing:.005em;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3{
  font-family:"Newsreader","Iowan Old Style","Palatino Linotype",Georgia,serif;
  color:var(--bone); font-weight:400; line-height:1.1;
  letter-spacing:-.005em; text-wrap:balance; margin:0;
}
p{margin:0}
a{color:var(--brass); text-underline-offset:4px; text-decoration-thickness:1px}
ul{margin:0; padding:0; list-style:none}
:focus-visible{outline:1px solid var(--brass); outline-offset:4px}
.wrap{width:100%; max-width:var(--max); margin-inline:auto; padding-inline:28px}
section{padding-block:clamp(48px,5.4vw,78px); border-top:1px solid var(--rule-faint)}
.label{
  font-family:Jost,sans-serif; font-weight:400;
  font-size:.68rem; letter-spacing:.32em; text-transform:uppercase;
  color:var(--brass); margin:0;
}
.num{font-variant-numeric:tabular-nums; font-feature-settings:"tnum" 1}
.sec-head{display:flex; flex-direction:column; gap:14px; max-width:58ch; margin-bottom:34px}
.sec-head h2{font-size:clamp(1.9rem,3.9vw,2.9rem)}
.sec-head p{color:var(--bone-dim); font-size:1.05rem; max-width:56ch}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex; align-items:center; justify-content:center;
  font-family:Jost,sans-serif; font-weight:400;
  font-size:.76rem; letter-spacing:.22em; text-transform:uppercase;
  padding:16px 30px; border:1px solid var(--bone); border-radius:0;
  text-decoration:none; cursor:pointer; white-space:nowrap;
  transition:background-color .3s ease, color .3s ease, border-color .3s ease;
}
.btn-solid{background:var(--bone); color:var(--black)}
.btn-solid:hover{background:var(--brass); border-color:var(--brass); color:var(--black)}
.btn-line{background:transparent; color:var(--bone); border-color:var(--rule)}
.btn-line:hover{border-color:var(--brass); color:var(--brass)}

/* ---------- nav ---------- */
.nav{
  position:sticky; top:0; z-index:60;
  background:rgba(12,19,32,.88); backdrop-filter:blur(10px) saturate(120%);
  border-bottom:1px solid var(--rule-faint);
}
.nav-in{display:flex; align-items:center; justify-content:space-between; gap:28px; height:82px}
.brand{display:flex; align-items:center; text-decoration:none}
.brand-logo{display:block; height:40px; width:auto}
.brand-logo-foot{height:44px}
.nav-links{display:flex; align-items:center; gap:34px}
.nav-links a{
  color:var(--bone-dim); text-decoration:none;
  font-size:.72rem; letter-spacing:.2em; text-transform:uppercase; font-weight:400;
  padding-block:6px; border-bottom:1px solid transparent; transition:color .25s ease, border-color .25s ease;
}
.nav-links a:hover{color:var(--bone); border-bottom-color:var(--brass)}
.nav .btn{padding:13px 22px; font-size:.7rem}
@media (max-width:1000px){.nav-links{display:none}}
@media (max-width:560px){
  .brand-logo{height:30px}
  .cta-long{display:none}
  .nav-in{height:68px}
  .nav .btn{padding:11px 16px; letter-spacing:.16em}
}

/* ---------- hero ---------- */
.hero{border-top:0; padding-block:clamp(56px,7vw,96px); position:relative; overflow:hidden}
.hero::after{
  content:""; position:absolute; inset:auto 0 0 0; height:1px;
  background:linear-gradient(90deg,transparent,var(--brass-dim) 30%,var(--brass-dim) 70%,transparent);
  opacity:.5;
}
.hero-grid{display:grid; grid-template-columns:1.12fr .88fr; gap:clamp(40px,6vw,84px); align-items:center}
@media (max-width:960px){.hero-grid{grid-template-columns:1fr; gap:56px}}
.hero-copy{display:flex; flex-direction:column; gap:26px}
.hero h1{
  font-size:clamp(2.4rem,5.6vw,4.15rem); line-height:1.04; letter-spacing:-.02em;
}
.hero h1 em{font-style:normal; color:var(--brass)}
.hero h1 .hy{color:var(--brass); font-weight:400; padding-inline:.04em}
.hero-thesis{
  position:relative; padding-top:26px; max-width:56ch;
  font-size:clamp(1.04rem,1.6vw,1.2rem); line-height:1.64; color:var(--bone-dim);
}
.hero-thesis::before{content:""; position:absolute; top:0; left:0; width:52px; height:1px; background:var(--brass)}
.hero-thesis strong{color:var(--bone); font-weight:400}
.hero-actions{display:flex; flex-wrap:wrap; gap:14px; margin-top:8px}
.hero-facts{display:flex; flex-wrap:wrap; gap:12px 40px; margin-top:22px; padding-top:20px; border-top:1px solid var(--rule-faint)}
.hero-facts li{
  font-size:.68rem; letter-spacing:.22em; text-transform:uppercase; color:var(--grey);
}

/* statement */
.stmt{border:1px solid var(--rule); background:var(--black-lift)}
.stmt-top{display:flex; align-items:center; gap:13px; padding:18px 24px; border-bottom:1px solid var(--rule)}
.stmt-mark{display:block; width:30px; height:30px; flex:0 0 auto}
.stmt-top strong{font-family:"Newsreader","Iowan Old Style",Georgia,serif; font-weight:400; font-size:1.06rem; color:var(--bone)}
.stmt-top span{font-size:.62rem; letter-spacing:.24em; text-transform:uppercase; color:var(--grey)}
.stmt table{width:100%; border-collapse:collapse}
.stmt td{padding:14px 24px; font-size:.94rem; color:var(--bone-dim); border-bottom:1px solid var(--rule-faint)}
.stmt td:last-child{text-align:right; color:var(--bone); font-variant-numeric:tabular-nums; font-feature-settings:"tnum" 1}
.stmt tr.total td{border-bottom:0; border-top:1px solid var(--rule); color:var(--bone); padding-block:18px}
.stmt tr.total td:first-child{font-size:.7rem; letter-spacing:.2em; text-transform:uppercase}
.stmt tr.total td:last-child{font-family:"Newsreader","Iowan Old Style",Georgia,serif; font-size:1.6rem; color:var(--brass)}
.stmt-cap{margin-top:14px; font-size:.72rem; letter-spacing:.06em; color:var(--grey)}
.stmt-read{padding:22px 24px 26px; border-top:1px solid var(--rule); background:rgba(194,161,99,.045)}
.stmt-read h4{
  font-family:Jost,sans-serif; font-weight:400; font-size:.62rem; letter-spacing:.24em;
  text-transform:uppercase; color:var(--brass); margin:0 0 8px;
}
.stmt-read h4 + p + h4{margin-top:18px}
.stmt-read p{font-size:.88rem; line-height:1.6; color:var(--bone-dim)}
.stmt-read strong{color:var(--bone); font-weight:400}

/* ---------- built for ---------- */
.grid-3{display:grid; grid-template-columns:repeat(3,1fr); gap:1px; background:var(--rule-faint); border-block:1px solid var(--rule-faint)}
@media (max-width:900px){.grid-3{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){.grid-3{grid-template-columns:1fr}}
.cell{background:var(--black); padding:28px 26px 30px; display:flex; flex-direction:column; gap:12px; transition:background-color .35s ease}
.cell:hover{background:var(--black-lift)}
.cell h3{font-size:1.22rem; font-weight:500}
.cell p{font-size:.94rem; color:var(--bone-dim)}

/* ---------- services ---------- */
.svc{display:grid; grid-template-columns:1.35fr .85fr; gap:clamp(36px,6vw,80px); align-items:start}
@media (max-width:880px){.svc{grid-template-columns:1fr}}
.svc-list{display:grid; grid-template-columns:1fr 1fr; gap:0 44px}
@media (max-width:600px){.svc-list{grid-template-columns:1fr}}
.svc-list li{
  padding:16px 0; border-bottom:1px solid var(--rule-faint);
  font-size:.98rem; color:var(--bone); display:flex; gap:16px; align-items:baseline;
}
.svc-list li::before{content:""; flex:0 0 18px; height:1px; background:var(--brass); transform:translateY(-4px)}
.not-panel{border:1px solid var(--rule); padding:32px 30px; display:flex; flex-direction:column; gap:18px; background:var(--black-lift)}
.not-panel h3{font-size:1.18rem}
.not-panel li{font-size:.92rem; color:var(--grey); padding:9px 0; border-bottom:1px solid var(--rule-faint)}
.not-panel li:last-of-type{border-bottom:0}
.not-panel p{font-size:.88rem; color:var(--bone-dim)}

/* ---------- pricing ---------- */
.tiers{display:grid; grid-template-columns:repeat(3,1fr); gap:1px; background:var(--rule-faint); border:1px solid var(--rule-faint); margin-bottom:40px}
@media (max-width:920px){.tiers{grid-template-columns:1fr}}
.tier{background:var(--black); padding:32px 28px 30px; display:flex; flex-direction:column; gap:20px; position:relative}
.tier.featured{background:var(--black-lift)}
.tier.featured::before{content:""; position:absolute; inset:0 0 auto 0; height:1px; background:var(--brass)}
.tier-flag{font-size:.6rem; letter-spacing:.26em; text-transform:uppercase; color:var(--brass)}
.tier-flag.blank{color:transparent}
.tier h3{font-size:1.6rem; letter-spacing:.01em}
.tier-for{font-size:.9rem; color:var(--grey); min-height:3.2em}
.price{display:flex; align-items:baseline; gap:10px; padding-block:14px; border-top:1px solid var(--rule-faint); border-bottom:1px solid var(--rule-faint)}
.price .fig{font-family:"Newsreader","Iowan Old Style",Georgia,serif; font-size:3rem; color:var(--bone); line-height:1; font-variant-numeric:tabular-nums}
.price .per{font-size:.68rem; letter-spacing:.2em; text-transform:uppercase; color:var(--grey)}
.tier ul{display:flex; flex-direction:column; gap:11px; flex:1}
.tier ul li{font-size:.92rem; color:var(--bone-dim); display:flex; gap:14px; align-items:baseline}
.tier ul li::before{content:""; flex:0 0 10px; height:1px; background:var(--brass-dim); transform:translateY(-4px)}
.tier .btn{width:100%; margin-top:6px}

.table-scroll{overflow-x:auto; border:1px solid var(--rule-faint)}
table.cmp{width:100%; border-collapse:collapse; min-width:680px; font-size:.92rem}
table.cmp th, table.cmp td{padding:16px 22px; text-align:left; border-bottom:1px solid var(--rule-faint)}
table.cmp thead th{
  font-size:.64rem; letter-spacing:.26em; text-transform:uppercase; font-weight:400;
  color:var(--brass); border-bottom:1px solid var(--rule); background:var(--black-lift);
}
table.cmp thead th:not(:first-child){text-align:center}
table.cmp tbody th{font-weight:300; color:var(--bone); font-family:Jost,sans-serif}
table.cmp td{text-align:center; color:var(--bone-dim); font-variant-numeric:tabular-nums; font-feature-settings:"tnum" 1}
table.cmp td.yes{color:var(--brass)}
table.cmp tbody tr:last-child td, table.cmp tbody tr:last-child th{border-bottom:0}
table.cmp tbody tr:hover th, table.cmp tbody tr:hover td{background:var(--black-lift)}
.tbl-cap{margin-top:18px; font-size:.84rem; color:var(--grey)}
.band-note{
  margin:-16px 0 34px; padding:16px 20px; font-size:.9rem; color:var(--bone-dim);
  border-left:1px solid var(--brass); background:var(--black-lift); max-width:78ch;
}
.addons{margin-top:44px}
.addons h3{font-size:1.4rem; margin-bottom:22px}
table.addon{width:100%; border-collapse:collapse; font-size:.94rem}
table.addon td{padding:15px 0; border-bottom:1px solid var(--rule-faint); color:var(--bone-dim)}
table.addon td:last-child{text-align:right; color:var(--bone); white-space:nowrap; font-variant-numeric:tabular-nums}
table.addon tr:last-child td{border-bottom:0}

/* ---------- switching ---------- */
.steps{display:grid; grid-template-columns:repeat(4,1fr); gap:34px}
@media (max-width:900px){.steps{grid-template-columns:repeat(2,1fr)}}
@media (max-width:560px){.steps{grid-template-columns:1fr}}
.step{display:flex; flex-direction:column; gap:12px; padding-top:22px; border-top:1px solid var(--brass-dim)}
.step .k{font-family:"Newsreader","Iowan Old Style",Georgia,serif; font-size:1.5rem; color:var(--brass); line-height:1}
.step h3{font-size:1.14rem}
.step p{font-size:.92rem}

/* ---------- founders ---------- */
.f-grid{display:grid; grid-template-columns:1fr 1fr; gap:1px; background:var(--rule-faint); border:1px solid var(--rule-faint)}
@media (max-width:860px){.f-grid{grid-template-columns:1fr}}
.f-card{background:var(--black); padding:34px 32px; display:flex; flex-direction:column; gap:16px}
.f-card h3{font-size:1.55rem; line-height:1.15}
.f-role{font-size:.64rem; letter-spacing:.26em; text-transform:uppercase; color:var(--brass)}
.f-card p{font-size:.96rem}
.f-facts{display:flex; flex-direction:column; gap:10px; margin-top:8px; padding-top:22px; border-top:1px solid var(--rule-faint)}
.f-facts li{font-size:.88rem; color:var(--grey); display:flex; gap:14px; align-items:baseline}
.f-facts li::before{content:""; flex:0 0 10px; height:1px; background:var(--brass-dim); transform:translateY(-4px)}

/* ---------- faq ---------- */
.faq-list{display:flex; flex-direction:column; border-top:1px solid var(--rule-faint); max-width:900px}
details{border-bottom:1px solid var(--rule-faint)}
details summary{
  list-style:none; cursor:pointer; padding:20px 48px 20px 0; position:relative;
  font-family:"Newsreader","Iowan Old Style",Georgia,serif; font-size:1.18rem; color:var(--bone); font-weight:500;
  transition:color .25s ease;
}
details summary:hover{color:var(--brass)}
details summary::-webkit-details-marker{display:none}
details summary::after{
  content:""; position:absolute; right:8px; top:50%; width:13px; height:1px;
  background:var(--brass); transform:translateY(-50%);
}
details summary::before{
  content:""; position:absolute; right:14px; top:50%; width:1px; height:13px;
  background:var(--brass); transform:translateY(-50%); transition:opacity .25s ease;
}
details[open] summary::before{opacity:0}
details .a{padding:0 48px 24px 0; font-size:.98rem; color:var(--bone-dim); max-width:70ch}

/* ---------- booking + thank you pages ---------- */
.book{background:var(--black-deep); min-height:70vh}
.book-in{display:grid; grid-template-columns:0.85fr 1.15fr; gap:clamp(40px,6vw,72px); align-items:start}
@media (max-width:980px){.book-in{grid-template-columns:1fr}}
.book-copy{display:flex; flex-direction:column; gap:22px}
.book-copy h1{font-size:clamp(1.9rem,4vw,2.9rem); line-height:1.1}
.book-lede{max-width:46ch; color:var(--bone-dim)}
.book-points{list-style:none; display:flex; flex-direction:column; gap:12px; padding-top:22px; border-top:1px solid var(--rule-faint)}
.book-points li{position:relative; padding-left:22px; font-size:.95rem; color:var(--bone-dim); max-width:42ch}
.book-points li::before{content:"\2014"; position:absolute; left:0; color:var(--brass)}
.book-widget{background:var(--black-lift); border:1px solid var(--rule-faint); padding:8px; min-height:660px}
.book-widget .meetings-iframe-container{min-height:640px}
.book-widget iframe{width:100%!important; border:0}
.book-fallback{padding:28px; color:var(--bone-dim)}
.book-fallback a{color:var(--brass)}
.ty-in{max-width:760px; display:flex; flex-direction:column; gap:24px}
.ty-in h1{font-size:clamp(2rem,4.4vw,3.1rem); line-height:1.08}
.ty-next{padding:30px 32px; background:var(--black-lift); border:1px solid var(--rule-faint); display:flex; flex-direction:column; gap:16px}
.ty-next h2{font-size:1.15rem; letter-spacing:.02em}
.ty-next ol{margin:0; padding-left:20px; display:flex; flex-direction:column; gap:10px}
.ty-next li{color:var(--bone-dim); font-size:.98rem}
.ty-prep{color:var(--grey); font-size:.9rem; margin:0}

/* ---------- contact ---------- */
.contact{background:var(--black-deep)}
.c-grid{display:grid; grid-template-columns:1fr 1fr; gap:clamp(40px,6vw,80px); align-items:start}
@media (max-width:880px){.c-grid{grid-template-columns:1fr}}
.c-copy{display:flex; flex-direction:column; gap:22px}
.c-copy h2{font-size:clamp(1.9rem,4vw,2.9rem)}
.c-copy p{max-width:44ch}
.c-direct{display:flex; flex-direction:column; gap:14px; padding-top:26px; border-top:1px solid var(--rule-faint)}
.c-direct a{color:var(--bone); font-size:.94rem; letter-spacing:.06em; text-decoration:none; transition:color .25s ease}
.c-direct a:hover{color:var(--brass)}
form{display:flex; flex-direction:column; gap:20px}
.field{display:flex; flex-direction:column; gap:8px}
.field label{font-size:.62rem; letter-spacing:.26em; text-transform:uppercase; color:var(--grey)}
.field input,.field select,.field textarea{
  background:transparent; border:0; border-bottom:1px solid var(--rule); border-radius:0;
  color:var(--bone); font-family:Jost,sans-serif; font-weight:300; font-size:1rem;
  padding:10px 0; transition:border-color .25s ease;
}
.field input:focus,.field select:focus,.field textarea:focus{outline:none; border-bottom-color:var(--brass)}
.field input::placeholder,.field textarea::placeholder{color:#5C5952}
.field select{appearance:none; cursor:pointer;
  background-image:linear-gradient(45deg,transparent 50%,var(--brass) 50%),linear-gradient(135deg,var(--brass) 50%,transparent 50%);
  background-position:calc(100% - 10px) 55%, calc(100% - 5px) 55%; background-size:5px 5px,5px 5px; background-repeat:no-repeat}
.field select option{background:#121B2B; color:#EFECE6}
.field textarea{resize:vertical; min-height:76px}
form .btn{margin-top:8px; align-self:flex-start}
.form-note{font-size:.78rem; color:var(--grey)}
.sent{border:1px solid var(--brass); padding:22px 24px; color:var(--bone); font-size:.98rem; display:none}
.sent.on{display:block}

/* ---------- footer ---------- */
footer{background:var(--black-deep); border-top:1px solid var(--rule-faint); padding-block:40px 36px}
.f-top{display:flex; flex-wrap:wrap; gap:28px; justify-content:space-between; align-items:flex-start; padding-bottom:30px; border-bottom:1px solid var(--rule-faint)}
.f-nav{display:flex; flex-wrap:wrap; gap:26px}
.f-nav a{color:var(--grey); font-size:.68rem; letter-spacing:.2em; text-transform:uppercase; text-decoration:none}
.f-nav a:hover{color:var(--brass)}
.f-social{display:inline-flex; align-items:center; justify-content:center; width:38px; height:38px; border:1px solid var(--rule); color:var(--grey); transition:color .25s ease, border-color .25s ease}
.f-social:hover{color:var(--brass); border-color:var(--brass)}
.f-legal{display:flex; flex-direction:column; gap:12px; padding-top:28px}
.f-legal p{font-size:.78rem; color:#67645E; max-width:88ch; line-height:1.7}

/* ---------- legal overlays ---------- */
.legal[hidden]{display:none !important}
.legal{position:fixed; inset:0; z-index:200; display:flex; align-items:flex-start; justify-content:center; padding:clamp(12px,4vh,56px) 16px}
.legal-back{position:absolute; inset:0; background:rgba(5,8,15,.82); backdrop-filter:blur(4px)}
.legal-panel{
  position:relative; width:100%; max-width:860px; max-height:100%;
  display:flex; flex-direction:column;
  background:var(--black); border:1px solid var(--rule); box-shadow:0 40px 90px -30px rgba(0,0,0,.85);
}
.legal-head{
  display:flex; align-items:flex-start; justify-content:space-between; gap:20px;
  padding:26px 30px 22px; border-bottom:1px solid var(--rule); background:var(--black-lift);
}
.legal-head h2{font-size:clamp(1.4rem,3vw,1.9rem); margin-top:8px}
.legal-x{
  flex:0 0 auto; background:transparent; border:1px solid var(--rule); color:var(--bone);
  font-family:Jost,sans-serif; font-size:.66rem; letter-spacing:.2em; text-transform:uppercase;
  padding:10px 16px; cursor:pointer; border-radius:0; transition:border-color .25s ease, color .25s ease;
}
.legal-x:hover{border-color:var(--brass); color:var(--brass)}
.legal-body{padding:26px 30px 40px; overflow-y:auto; -webkit-overflow-scrolling:touch}
.legal-body h3{font-size:1.12rem; margin:30px 0 10px; font-weight:500}
.legal-body h3:first-child{margin-top:0}
.legal-body h4{font-family:Jost,sans-serif; font-size:.68rem; letter-spacing:.22em; text-transform:uppercase; color:var(--brass); margin:22px 0 8px; font-weight:400}
.legal-body p{font-size:.94rem; margin-bottom:12px; max-width:68ch}
.legal-body ul{display:flex; flex-direction:column; gap:8px; margin:0 0 14px}
.legal-body ul li{font-size:.94rem; padding-left:20px; position:relative; max-width:68ch}
.legal-body ul li::before{content:""; position:absolute; left:0; top:11px; width:9px; height:1px; background:var(--brass-dim)}
.legal-body a{color:var(--brass)}
.legal-meta{font-size:.78rem; color:var(--grey); padding-bottom:20px; margin-bottom:24px; border-bottom:1px solid var(--rule-faint)}
.legal-table{width:100%; border-collapse:collapse; font-size:.88rem; margin:6px 0 18px}
.legal-table th,.legal-table td{text-align:left; padding:11px 14px 11px 0; border-bottom:1px solid var(--rule-faint); vertical-align:top}
.legal-table th{color:var(--brass); font-family:Jost,sans-serif; font-weight:400; font-size:.64rem; letter-spacing:.18em; text-transform:uppercase}
.legal-table td{color:var(--bone-dim)}
.legal-table td:first-child{color:var(--bone); padding-right:26px}
.legal-scroll{overflow-x:auto}
@media (max-width:620px){
  .legal{padding:0}
  .legal-panel{max-width:none; border:0; height:100%; max-height:none}
  .legal-head{padding:20px 20px 18px}
  .legal-body{padding:22px 20px 40px}
}

/* ---------- inner pages ---------- */
.crumbs{font-size:.7rem; letter-spacing:.18em; text-transform:uppercase; color:var(--grey); margin:0 0 18px}
.crumbs a{color:var(--grey); text-decoration:none}
.crumbs a:hover{color:var(--brass)}
.crumbs span{padding-inline:8px; color:var(--brass-dim)}
.page-hero{border-top:0; padding-block:clamp(48px,6vw,84px) clamp(36px,4vw,56px); position:relative}
.page-hero::after{content:""; position:absolute; inset:auto 0 0 0; height:1px; background:linear-gradient(90deg,transparent,var(--brass-dim) 30%,var(--brass-dim) 70%,transparent); opacity:.5}
.page-hero .wrap{display:flex; flex-direction:column; gap:20px}
.page-hero h1{font-size:clamp(2.1rem,4.8vw,3.5rem); line-height:1.06; letter-spacing:-.015em; max-width:22ch}
.page-hero .lede{font-size:clamp(1.04rem,1.6vw,1.18rem); line-height:1.64; max-width:60ch}
.page-hero .lede strong{color:var(--bone); font-weight:400}
.meta-line{font-size:.78rem; color:var(--grey); letter-spacing:.04em}

.hero-h{font-family:"Newsreader","Iowan Old Style","Palatino Linotype",Georgia,serif; color:var(--bone); font-weight:400; text-wrap:balance;
  font-size:clamp(2.4rem,5.6vw,4.15rem); line-height:1.04; letter-spacing:-.02em; margin:0}
.hero-h em{font-style:normal; color:var(--brass)}
.hero-h .hy{color:var(--brass); padding-inline:.04em}
h1.label{line-height:1.6}

/* two column layout: prose + aside */
.layout{display:grid; grid-template-columns:minmax(0,1fr) 300px; gap:clamp(36px,6vw,80px); align-items:start}
@media (max-width:940px){.layout{grid-template-columns:1fr}}
.aside{position:sticky; top:110px; display:flex; flex-direction:column; gap:18px}
@media (max-width:940px){.aside{position:static}}
.aside-box{border:1px solid var(--rule); background:var(--black-lift); padding:26px 24px; display:flex; flex-direction:column; gap:14px}
.aside-box h2{font-size:1.2rem}
.aside-box p{font-size:.9rem}
.aside-box .btn{width:100%}
.aside-links{display:flex; flex-direction:column; gap:10px}
.aside-links a{font-size:.9rem; color:var(--bone-dim); text-decoration:none; border-bottom:1px solid var(--rule-faint); padding-bottom:10px}
.aside-links a:hover{color:var(--brass)}

/* prose */
.prose{max-width:70ch}
.prose > * + *{margin-top:18px}
.prose h2{font-size:clamp(1.5rem,2.6vw,2rem); margin-top:46px}
.prose h3{font-size:1.25rem; margin-top:30px}
.prose p, .prose li{font-size:1.02rem}
.prose strong{color:var(--bone); font-weight:500}
.prose ul, .prose ol{padding-left:0; display:flex; flex-direction:column; gap:10px}
.prose ul li{position:relative; padding-left:26px}
.prose ul li::before{content:""; position:absolute; left:0; top:.8em; width:12px; height:1px; background:var(--brass)}
.prose ol{list-style:none; counter-reset:n}
.prose ol li{position:relative; padding-left:34px; counter-increment:n}
.prose ol li::before{content:counter(n); position:absolute; left:0; top:0; font-family:"Newsreader",Georgia,serif; color:var(--brass); font-size:1.1rem}
.prose a{color:var(--brass)}
.prose table{width:100%; border-collapse:collapse; font-size:.94rem; margin-top:22px}
.prose th,.prose td{text-align:left; padding:12px 14px 12px 0; border-bottom:1px solid var(--rule-faint); vertical-align:top}
.prose th{color:var(--brass); font-weight:400; font-size:.66rem; letter-spacing:.2em; text-transform:uppercase}
.prose td.n,.prose th.n{text-align:right; font-variant-numeric:tabular-nums}
.prose td:first-child{color:var(--bone)}
.callout{border-left:1px solid var(--brass); background:var(--black-lift); padding:18px 22px; font-size:.96rem}
.callout strong{color:var(--bone)}
.disclaimer{font-size:.84rem; color:var(--grey); border-top:1px solid var(--rule-faint); padding-top:20px; margin-top:40px}

/* cards */
.cards{display:grid; grid-template-columns:repeat(3,1fr); gap:1px; background:var(--rule-faint); border:1px solid var(--rule-faint)}
.cards.two{grid-template-columns:repeat(2,1fr)}
@media (max-width:900px){.cards{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){.cards,.cards.two{grid-template-columns:1fr}}
.card{background:var(--black); padding:30px 28px; display:flex; flex-direction:column; gap:12px; text-decoration:none; transition:background-color .3s ease}
.card:hover{background:var(--black-lift)}
.card .k{font-size:.62rem; letter-spacing:.26em; text-transform:uppercase; color:var(--brass)}
.card h2,.card h3{font-size:1.3rem; color:var(--bone)}
.card p{font-size:.94rem; color:var(--bone-dim)}
.card .go{margin-top:auto; padding-top:8px; font-size:.7rem; letter-spacing:.2em; text-transform:uppercase; color:var(--brass)}
.more{display:inline-block; margin-top:6px; font-size:.68rem; letter-spacing:.2em; text-transform:uppercase; color:var(--brass); text-decoration:none}
.more:hover{color:var(--bone)}
.svc-list li a{color:var(--bone); text-decoration:none; border-bottom:1px solid transparent}
.svc-list li a:hover{color:var(--brass); border-bottom-color:var(--brass-dim)}

/* resource band on home */
.res-band{display:grid; grid-template-columns:.8fr 1.2fr; gap:clamp(36px,6vw,80px); align-items:start}
@media (max-width:880px){.res-band{grid-template-columns:1fr}}

/* cta band */
.cta-band{background:var(--black-deep)}
.cta-band .wrap{display:flex; flex-wrap:wrap; gap:28px; align-items:center; justify-content:space-between}
.cta-band h2{font-size:clamp(1.6rem,3.2vw,2.3rem); max-width:24ch}
.cta-band p{max-width:52ch; margin-top:12px}
.cta-actions{display:flex; flex-wrap:wrap; gap:14px}

/* calculator */
.calc{display:grid; grid-template-columns:1fr 1fr; gap:clamp(32px,5vw,64px); align-items:start}
@media (max-width:900px){.calc{grid-template-columns:1fr}}
.calc-in{display:flex; flex-direction:column; gap:22px}
.calc-in .row{display:grid; grid-template-columns:1fr 1fr; gap:22px}
@media (max-width:520px){.calc-in .row{grid-template-columns:1fr}}
.calc-in .hint{font-size:.78rem; color:var(--grey); margin-top:2px}
.seg{display:flex; border:1px solid var(--rule)}
.seg label{flex:1; text-align:center; padding:12px 10px; font-size:.72rem; letter-spacing:.14em; text-transform:uppercase; color:var(--bone-dim); cursor:pointer; transition:background-color .2s ease,color .2s ease}
.seg input{position:absolute; opacity:0; pointer-events:none}
.seg input:checked + span{color:var(--black)}
.seg label:has(input:checked){background:var(--bone); color:var(--black)}
.seg input:focus-visible + span{outline:1px solid var(--brass); outline-offset:4px}
.check{display:flex; gap:12px; align-items:flex-start; font-size:.9rem; color:var(--bone-dim); cursor:pointer}
.check input{accent-color:var(--brass); margin-top:5px}
.calc-out{position:sticky; top:110px}
@media (max-width:900px){.calc-out{position:static}}
.big-fig{font-family:"Newsreader",Georgia,serif; font-size:clamp(2.4rem,5vw,3.4rem); color:var(--brass); line-height:1; font-variant-numeric:tabular-nums}
.out-head{padding:22px 24px 18px; border-bottom:1px solid var(--rule)}
.out-head .k{font-size:.62rem; letter-spacing:.24em; text-transform:uppercase; color:var(--grey); margin-bottom:10px}
.out-note{padding:20px 24px 24px; border-top:1px solid var(--rule); background:rgba(194,161,99,.045); font-size:.9rem; line-height:1.6}
.out-note strong{color:var(--bone); font-weight:400}
.stmt td.sub{padding-left:40px; font-size:.86rem; color:var(--grey)}
.stmt tr.neg td:last-child{color:var(--bone-dim)}

/* footer columns */
.f-cols{display:grid; grid-template-columns:1.2fr repeat(3,1fr); gap:32px; padding-bottom:30px; border-bottom:1px solid var(--rule-faint)}
@media (max-width:860px){.f-cols{grid-template-columns:1fr 1fr}}
@media (max-width:480px){.f-cols{grid-template-columns:1fr}}
.f-col h2{font-family:Jost,sans-serif; font-size:.62rem; letter-spacing:.26em; text-transform:uppercase; color:var(--brass); font-weight:400; margin-bottom:14px}
.f-col ul{display:flex; flex-direction:column; gap:10px}
.f-col a{color:var(--grey); font-size:.86rem; text-decoration:none}
.f-col a:hover{color:var(--brass)}
.f-brand{display:flex; flex-direction:column; gap:18px; align-items:flex-start}
.f-brand p{font-size:.86rem; color:var(--grey); max-width:30ch}

/* legal pages */
.legal-page .legal-body{padding:0}
.legal-page .legal-body h3{font-size:1.25rem}
.hero h1.label{font-family:Jost,sans-serif; font-size:.68rem; letter-spacing:.32em; line-height:1.6; color:var(--brass); font-weight:400}
.crumbs b{font-weight:400; color:var(--bone-dim)}
.sec-head .label{color:var(--brass); font-size:.68rem}
/* founder photos */
.f-head{display:flex; align-items:center; gap:20px}
.f-photo{width:112px; height:112px; border-radius:50%; object-fit:cover; object-position:50% 35%; flex:0 0 auto; padding:4px; background:var(--black); border:1px solid var(--brass-dim); filter:grayscale(1) contrast(1.02)}
@media (max-width:480px){.f-head{flex-direction:column; align-items:flex-start; gap:16px}}