/* =========================================================================
   Brickhouse — brand system from "Brickhouse Wealth · Identity Exploration"
   Palette : Deep Navy #0B1F3A · Charcoal #2E3138 · Muted Gold #B08D57
             Bone #F4F1EA / #E4E0D6 · Grey #8A9099
   Type    : Cormorant Garamond (headlines & monogram) · Jost (labels & text)
   Tone    : quiet confidence, not extravagance. Geometry over cliché.
   ========================================================================= */

:root {
  --navy:        #0B1F3A;
  --navy-deep:   #071628;
  --charcoal:    #2E3138;
  --gold:        #B08D57;
  --gold-light:  #C4A46A;
  --bone:        #F4F1EA;
  --bone-deep:   #E4E0D6;
  --bone-mid:    #EEEAE1;
  --grey:        #8A9099;
  --white:       #FFFFFF;
  /* CFP mark blue — matched by eye to the client-supplied FPSB artwork. */
  --cfp-blue:    #2A4A9B;

  --ink:         var(--charcoal);
  --ink-soft:    #5B6068;

  --serif: "Cormorant Garamond", "Cormorant", Georgia, "Times New Roman", serif;
  --sans:  "Jost", "Futura", "Century Gothic", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  --wrap: 1180px;
  --gutter: clamp(1.25rem, 4vw, 3rem);

  --rule: 1px solid rgba(11, 31, 58, 0.10);
  --rule-gold: 1px solid rgba(176, 141, 87, 0.45);
  --hairline: rgba(11, 31, 58, 0.08);

  /* Layered, low-opacity elevation. Depth comes from a wide soft shadow plus a
     tight contact shadow — a single hard drop shadow reads cheap. */
  --shadow-sm: 0 1px 1px rgba(11, 31, 58, 0.03), 0 4px 14px -6px rgba(11, 31, 58, 0.10);
  --shadow-md: 0 2px 4px rgba(11, 31, 58, 0.04), 0 22px 48px -28px rgba(11, 31, 58, 0.35);
  --shadow-navy: 0 2px 6px rgba(0, 0, 0, 0.16), 0 30px 60px -32px rgba(0, 0, 0, 0.55);

  --ease: cubic-bezier(0.22, 0.61, 0.36, 1);
  --header-h: 84px;
}

*, *::before, *::after { box-sizing: border-box; }

html {
  /* Root overflow propagates to the viewport, so this also clips the fixed
     off-canvas nav. Applying it to a non-root ancestor instead would create a
     scroll container and break the sticky header. */
  overflow-x: hidden;
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-h) + 28px);
  -webkit-text-size-adjust: 100%;
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
}

body {
  margin: 0;
  /* clip, not hidden: hidden would make body a scroll container and break the sticky header */
  overflow-x: clip;
  background: var(--bone);
  color: var(--ink);
  font-family: var(--sans);
  font-weight: 300;
  font-size: 17px;
  line-height: 1.72;
  letter-spacing: 0.006em;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

img, svg { max-width: 100%; }

a { color: var(--navy); text-decoration-color: rgba(176, 141, 87, 0.55); text-underline-offset: 3px; }
a:hover { color: var(--gold); }

h1, h2, h3 {
  font-family: var(--serif); font-weight: 400; line-height: 1.14; margin: 0;
  letter-spacing: 0.002em;
  /* Stops a lone short word dangling on its own line in display type. */
  text-wrap: balance;
}
p { text-wrap: pretty; }

/* Paper grain. Barely-there tooth over the flat colour so large bone areas read
   as stock rather than screen fill. Fixed, so it never scrolls against content. */
body::after {
  content: ""; position: fixed; inset: 0; z-index: 999; pointer-events: none;
  opacity: 0.5; mix-blend-mode: multiply;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='3' stitchTiles='stitch'/%3E%3CfeColorMatrix type='saturate' values='0'/%3E%3C/filter%3E%3Crect width='160' height='160' filter='url(%23n)' opacity='0.035'/%3E%3C/svg%3E");
}
@media (prefers-reduced-motion: no-preference) { /* grain is static; no motion concern */ }

.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 var(--gutter); }

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

/* Clip rather than left:-9999px — an offscreen box widens the scroll area on mobile. */
.skip-link {
  position: absolute; left: 0; top: 0; z-index: 200;
  width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap;
  background: var(--navy); color: var(--bone); padding: 0.75rem 1.25rem;
  font-size: 0.85rem; letter-spacing: 0.12em; text-transform: uppercase;
}
.skip-link:focus { width: auto; height: auto; overflow: visible; clip: auto; }

:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; }

/* ---------------------------------------------------------------- Reveal */
.reveal {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 0.8s var(--ease), transform 0.8s var(--ease);
}
.reveal.is-visible { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; } }

/* ==========================================================================
   Regulatory identity strip — Code of Conduct 5(g), AMFI Cir-19/2020-21.
   Must sit with the name, be legible (>=12pt equivalent), never fine print.
   ========================================================================== */
.reg-strip {
  background: var(--navy-deep);
  color: rgba(244, 241, 234, 0.92);
  font-size: 14px;            /* ~12pt equivalent minimum, deliberately not smaller */
  letter-spacing: 0.06em;
  line-height: 1.5;
  padding: 0.6rem 0;
  border-bottom: 1px solid rgba(176, 141, 87, 0.35);
}
.reg-strip .wrap { display: flex; flex-wrap: wrap; align-items: center; gap: 0.55rem; justify-content: center; text-align: center; }
.reg-strip .reg-name { font-weight: 500; }
.reg-strip .reg-arn  { color: var(--gold-light); font-weight: 500; }
.reg-strip .reg-tag  { color: rgba(244, 241, 234, 0.95); }
.reg-strip .reg-sep  { color: rgba(176, 141, 87, 0.7); }

/* ------------------------------------------------------------------ Header */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(244, 241, 234, 0.92);
  backdrop-filter: saturate(160%) blur(12px);
  -webkit-backdrop-filter: saturate(160%) blur(12px);
  border-bottom: var(--rule);
  transition: box-shadow 0.4s var(--ease), background 0.4s var(--ease);
}
.site-header.is-stuck {
  box-shadow: 0 10px 40px -28px rgba(11, 31, 58, 0.55);
  background: rgba(244, 241, 234, 0.96);
}
/* Gold hairline under the header, drawn in from the centre as it sticks —
   picks up the rule beneath the wordmark in the logo. */
.site-header::after {
  content: ""; position: absolute; left: 50%; bottom: -1px; height: 1px; width: 0;
  transform: translateX(-50%);
  background: linear-gradient(90deg, transparent, rgba(176, 141, 87, 0.7), transparent);
  transition: width 0.7s var(--ease);
}
.site-header.is-stuck::after { width: 100%; }

.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  min-height: var(--header-h); gap: 1.5rem;
}

/* Brand wordmark. Set as live text rather than an image so it stays sharp at
   any size and the AMFI tagline remains real, selectable text — the compliance
   checklist requires that line to be legible, not baked into a graphic. */
.brand {
  display: inline-flex; flex-direction: column; gap: 0.3rem;
  text-decoration: none; color: var(--navy);
}
.brand-word {
  font-family: var(--serif); font-weight: 700;
  /* Sized so the wordmark and the tagline sit at near-equal width, as in the
     supplied artwork. */
  font-size: 2.25rem; line-height: 0.95; letter-spacing: -0.004em;
  color: currentColor;
}
.brand-sub {
  font-family: var(--sans); font-weight: 300;
  font-size: 0.72rem; line-height: 1; letter-spacing: 0.005em;
  color: var(--ink-soft); white-space: nowrap;
}
.brand:hover .brand-word { color: var(--gold); }

.nav { display: flex; align-items: center; gap: 1.75rem; }
.nav a {
  font-size: 0.82rem; letter-spacing: 0.13em; text-transform: uppercase;
  text-decoration: none; color: var(--navy); font-weight: 400;
  position: relative; padding: 0.35rem 0; white-space: nowrap;
}
.nav a::after {
  content: ""; position: absolute; left: 0; bottom: 0; height: 1px; width: 0;
  background: var(--gold); transition: width 0.35s var(--ease);
}
.nav a:hover::after, .nav a.is-active::after { width: 100%; }
.nav a.is-active { color: var(--gold); }
.nav .nav-cta {
  border: var(--rule-gold); padding: 0.55rem 1.1rem; color: var(--gold);
  transition: background 0.35s var(--ease), color 0.35s var(--ease);
}
.nav .nav-cta::after { display: none; }
.nav .nav-cta:hover { background: var(--gold); color: var(--white); }

.nav-toggle {
  display: none; width: 44px; height: 44px; border: none; background: none;
  cursor: pointer; padding: 10px; flex-direction: column; justify-content: space-between;
}
.nav-toggle span { display: block; height: 1.5px; width: 100%; background: var(--navy); transition: transform 0.35s var(--ease), opacity 0.25s var(--ease); }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(10.5px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-10.5px) rotate(-45deg); }

/* -------------------------------------------------------------------- Hero */
.hero { position: relative; background: var(--navy); color: var(--bone); overflow: hidden; }

/* Parallax photograph. The layer is taller than the hero and offset upward, so
   translating it on scroll never exposes an edge. */
.hero-media {
  position: absolute; left: 0; right: 0; top: -12%; height: 124%;
  z-index: 0; will-change: transform;
}
.hero-media img {
  display: block; width: 100%; height: 100%;
  object-fit: cover; object-position: center 48%;
}

/* Scrim weighted to the left, where the copy sits, so the sunset stays visible
   on the right. Bottom fade carries the hero into the bone section below. */
.hero-bg {
  position: absolute; inset: 0; z-index: 1;
  background:
    linear-gradient(96deg,
      rgba(7, 22, 40, 0.92) 0%,
      rgba(9, 27, 49, 0.78) 32%,
      rgba(11, 31, 58, 0.42) 62%,
      rgba(11, 31, 58, 0.22) 100%),
    linear-gradient(180deg,
      rgba(7, 22, 40, 0.46) 0%,
      rgba(7, 22, 40, 0.16) 30%,
      rgba(7, 22, 40, 0.30) 70%,
      rgba(7, 22, 40, 0.66) 100%);
}
.hero-bg::after {
  /* engraved seal, oversized and quiet */
  content: ""; position: absolute; right: -8%; top: 50%; transform: translateY(-50%);
  width: min(620px, 62vw); aspect-ratio: 1;
  border: 1px solid rgba(176, 141, 87, 0.16); border-radius: 50%;
  box-shadow: inset 0 0 0 14px transparent, inset 0 0 0 15px rgba(176, 141, 87, 0.10);
}
.hero-inner { position: relative; z-index: 2; padding: clamp(5rem, 12vw, 9.5rem) var(--gutter) clamp(3.5rem, 7vw, 5.5rem); max-width: 900px; margin: 0 auto 0 max(0px, calc((100vw - var(--wrap)) / 2)); }

.eyebrow {
  display: inline-block; font-size: 0.72rem; letter-spacing: 0.34em;
  text-transform: uppercase; color: var(--gold-light); font-weight: 400; margin-bottom: 1.4rem;
}
.eyebrow::before { content: ""; display: inline-block; width: 26px; height: 1px; background: var(--gold); vertical-align: middle; margin-right: 0.9rem; }

.hero h1 {
  font-size: clamp(3rem, 8.2vw, 6rem);
  font-weight: 300; color: var(--bone); margin-bottom: 1.6rem; letter-spacing: -0.005em;
}
.hero-lede { font-size: clamp(1.05rem, 1.9vw, 1.25rem); color: rgba(244, 241, 234, 0.86); max-width: 62ch; margin: 0 0 2rem; }

.hero-role {
  border-left: 2px solid var(--gold);
  padding: 0.2rem 0 0.2rem 1.5rem;
  font-size: 0.95rem; color: rgba(244, 241, 234, 0.78); max-width: 66ch; margin: 0 0 2.4rem;
}
.hero-role strong { color: var(--gold-light); font-weight: 500; }

.hero-actions { display: flex; flex-wrap: wrap; gap: 1rem; margin-bottom: 3rem; }

.btn {
  display: inline-block; font-family: var(--sans); font-size: 0.8rem; font-weight: 400;
  letter-spacing: 0.16em; text-transform: uppercase; text-decoration: none;
  padding: 1rem 2.1rem; border: 1px solid transparent; transition: all 0.35s var(--ease);
}
.btn-primary {
  background: linear-gradient(180deg, #C4A46A 0%, #B08D57 100%);
  color: var(--navy-deep); border-color: var(--gold); font-weight: 500;
  box-shadow: 0 1px 0 rgba(255, 255, 255, 0.28) inset,
              0 12px 26px -14px rgba(176, 141, 87, 0.85);
}
.btn-primary:hover {
  background: linear-gradient(180deg, #D2B47C 0%, #BF9C63 100%);
  border-color: var(--gold-light); color: var(--navy-deep);
  transform: translateY(-1px);
  box-shadow: 0 1px 0 rgba(255, 255, 255, 0.35) inset,
              0 16px 30px -14px rgba(176, 141, 87, 0.95);
}
.btn-ghost { color: var(--bone); border-color: rgba(244, 241, 234, 0.32); }
.btn-ghost:hover {
  border-color: rgba(196, 164, 106, 0.85); color: var(--gold-light);
  background: rgba(196, 164, 106, 0.07);
}

.hero-risk {
  font-size: 0.85rem; line-height: 1.65; color: rgba(244, 241, 234, 0.6);
  max-width: 70ch; margin: 0; padding-top: 1.6rem;
  border-top: 1px solid rgba(176, 141, 87, 0.28);
}

/* ---------------------------------------------------------------- Sections */
.section { padding: clamp(5rem, 11vw, 8.5rem) 0; position: relative; }
.section-alt { background: var(--bone-deep); }
.section-navy {
  background: var(--navy); color: rgba(244, 241, 234, 0.85);
  position: relative; overflow: hidden;
}
/* The logo's B, oversized and almost invisible, as a ground texture. Ties the
   navy panels back to the wordmark without repeating it as a graphic. */
.section-navy::before {
  content: "B"; position: absolute; right: -2%; top: 50%;
  transform: translateY(-50%);
  font-family: var(--serif); font-weight: 700; font-size: min(46rem, 62vw);
  line-height: 0.7; color: rgba(196, 164, 106, 0.035);
  pointer-events: none; user-select: none;
}
.section-navy > .wrap { position: relative; z-index: 1; }
.section-navy h2, .section-navy h3 { color: var(--bone); }
.section-navy .section-lede { color: rgba(244, 241, 234, 0.75); }
.section-navy a { color: var(--gold-light); }

.section-head { max-width: 780px; margin-bottom: clamp(2.5rem, 5vw, 4rem); }
.section-head h2 { font-size: clamp(2rem, 4.6vw, 3.1rem); font-weight: 300; color: var(--navy); }
.section-navy .section-head h2 { color: var(--bone); }
.section-lede { margin: 1.25rem 0 0; font-size: 1.06rem; color: var(--ink-soft); max-width: 62ch; }

.rule-head {
  font-size: 1.55rem; color: var(--navy); margin-bottom: 1rem;
  padding-bottom: 0.75rem; border-bottom: var(--rule-gold);
}

/* Vision / Mission */
.two-col { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: clamp(2rem, 4vw, 3.5rem); }
.col-card p { margin: 0; color: var(--ink-soft); }

.approach {
  margin-top: clamp(2.5rem, 5vw, 4rem); padding-top: clamp(2.5rem, 5vw, 3.5rem);
  border-top: var(--rule); max-width: 78ch;
}
.approach p { color: var(--ink-soft); margin: 0; }

/* Product cards */
/* Four products: a 2x2 grid reads more deliberate than 3-across with an orphan. */
.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); gap: 1.5rem; }
@media (min-width: 860px) { .cards { grid-template-columns: repeat(2, 1fr); } }
.card {
  position: relative; padding: clamp(2rem, 3.5vw, 2.75rem);
  /* Warm white, very slightly lifted off the bone ground rather than outlined. */
  background: linear-gradient(180deg, #FFFFFF 0%, #FDFCF9 100%);
  border: 1px solid var(--hairline);
  box-shadow: var(--shadow-sm);
  transition: transform 0.5s var(--ease), box-shadow 0.5s var(--ease), border-color 0.5s var(--ease);
}
.card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-md);
  border-color: rgba(176, 141, 87, 0.42);
}
.card-index {
  display: block; font-family: var(--serif); font-size: 1.05rem; color: var(--gold);
  letter-spacing: 0.18em; margin-bottom: 1rem;
  font-variant-numeric: tabular-nums;
}
.card h3 { font-size: 1.7rem; color: var(--navy); margin-bottom: 1rem; }
.card p { color: var(--ink-soft); font-size: 0.98rem; }
.card .meta {
  font-size: 0.82rem; letter-spacing: 0.13em; text-transform: uppercase;
  color: var(--navy); font-weight: 500; margin: 1.2rem 0 0;
}

/* Mandatory per-product disclosure — visible, never fine print */
.disclosure {
  margin: 1.5rem 0 0; padding: 1rem 1.15rem;
  background: rgba(176, 141, 87, 0.08);
  border-left: 2px solid var(--gold);
  font-size: 0.84rem; line-height: 1.6; color: var(--charcoal);
}
.disclosure a { color: var(--navy); }

.note-band {
  margin: clamp(2rem, 4vw, 3rem) 0 0; padding: 1.5rem 1.75rem;
  border: var(--rule-gold); background: rgba(255, 255, 255, 0.5);
  font-size: 0.9rem; color: var(--ink-soft); max-width: 90ch;
}

/* Who we serve */
.serve-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(290px, 1fr)); gap: clamp(2rem, 4vw, 3.25rem); }
.serve { padding-top: 1.5rem; border-top: 2px solid var(--navy); }
.serve h3 { font-size: 1.5rem; color: var(--navy); margin-bottom: 0.9rem; }
.serve p { color: var(--ink-soft); font-size: 0.97rem; margin: 0; }

.promise {
  position: relative;
  margin: clamp(3rem, 6vw, 4.75rem) auto 0; max-width: 66ch; text-align: center;
  font-family: var(--serif); font-size: clamp(1.3rem, 2.5vw, 1.75rem);
  line-height: 1.5; color: var(--navy);
  padding-top: clamp(2.25rem, 4vw, 3rem);
}
/* Short gold rule above the pull quote, in place of a heavier divider. */
.promise::before {
  content: ""; position: absolute; top: 0; left: 50%; transform: translateX(-50%);
  width: 56px; height: 1px; background: var(--gold);
}

/* Team */
.team-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(340px, 1fr)); gap: clamp(2.5rem, 5vw, 4rem); }
.member-head { display: flex; align-items: center; gap: 1.25rem; margin-bottom: 1.5rem; }
.member-monogram {
  flex: none; width: 68px; height: 68px; border-radius: 50%;
  border: 1px solid rgba(196, 164, 106, 0.55);
  background: radial-gradient(120% 120% at 30% 20%, rgba(196, 164, 106, 0.16), transparent 70%);
  display: grid; place-items: center;
  font-family: var(--serif); font-weight: 500; font-size: 1.4rem; color: var(--gold-light);
  letter-spacing: 0.04em;
}
.member {
  padding: clamp(1.75rem, 3vw, 2.25rem);
  background: rgba(255, 255, 255, 0.028);
  border: 1px solid rgba(244, 241, 234, 0.09);
  transition: border-color 0.5s var(--ease), background 0.5s var(--ease);
}
.member:hover {
  border-color: rgba(196, 164, 106, 0.34);
  background: rgba(255, 255, 255, 0.045);
}
.member-id { min-width: 0; }
.member h3 { font-size: 1.7rem; margin-bottom: 0.35rem; }
.member-role {
  margin: 0; font-size: 0.74rem; letter-spacing: 0.24em; text-transform: uppercase;
  color: var(--gold-light); font-weight: 400;
}

.member-meta { display: flex; align-items: center; flex-wrap: wrap; gap: 0.6rem; margin-top: 0.75rem; }

/* CFP mark. Blue matched by eye to the FPSB artwork supplied by the client —
   confirm the exact hex. Sits on a white tile because the mark is a dark colour
   and the team section is navy; this also mirrors how the official logo is
   supplied (dark marks on a white field).
   To use the real FPSB artwork instead, drop the file in assets/ and replace the
   .cfp-mark span in index.html with the commented-out <img> beside it. */
.cfp-mark {
  display: inline-flex; align-items: baseline; gap: 0.04em;
  font-family: var(--serif); font-size: 1.02rem; font-weight: 600; line-height: 1;
  letter-spacing: 0.06em; white-space: nowrap;
  color: var(--cfp-blue);
  background: #FFFFFF;
  border-radius: 3px;
  padding: 0.32rem 0.52rem 0.28rem;
}
.cfp-mark sup { font-size: 0.5em; line-height: 1; position: relative; top: -0.12em; }

/* Real-artwork variant: same footprint, keeps the white field and clear space. */
.cfp-logo {
  display: inline-block; height: 34px; width: auto;
  background: #FFFFFF; border-radius: 3px; padding: 4px 6px;
}

.li-link {
  display: inline-flex; align-items: center; gap: 0.4rem;
  font-size: 0.72rem; letter-spacing: 0.16em; text-transform: uppercase;
  text-decoration: none; color: rgba(244, 241, 234, 0.72);
  border: 1px solid rgba(244, 241, 234, 0.22); border-radius: 2px;
  padding: 0.4rem 0.6rem; transition: all 0.3s var(--ease);
}
.li-link svg { width: 13px; height: 13px; fill: currentColor; }
.li-link:hover { color: var(--gold-light); border-color: rgba(176, 141, 87, 0.6); }
.member > p { color: rgba(244, 241, 234, 0.78); font-size: 0.97rem; margin: 0; }

/* Commission disclosure */
.disclosure-block {
  max-width: 82ch; padding: clamp(1.5rem, 3vw, 2.25rem);
  background: var(--white); border-left: 3px solid var(--gold); margin-bottom: 2.5rem;
}
.disclosure-block p { margin: 0 0 1rem; color: var(--ink-soft); font-size: 0.98rem; }
.disclosure-block p:last-child { margin-bottom: 0; }
.disclosure-block strong { color: var(--navy); font-weight: 500; }

.table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; margin-bottom: clamp(2.5rem, 5vw, 3.5rem); }
.comm-table { width: 100%; min-width: 460px; border-collapse: collapse; background: var(--white); font-size: 0.94rem; }
.comm-table caption {
  text-align: left; font-size: 0.76rem; letter-spacing: 0.18em; text-transform: uppercase;
  color: var(--gold); padding-bottom: 0.9rem;
}
.comm-table thead th {
  background: var(--navy); color: var(--bone); font-family: var(--sans); font-weight: 400;
  font-size: 0.74rem; letter-spacing: 0.16em; text-transform: uppercase;
  text-align: left; padding: 0.95rem 1.25rem;
}
.comm-table tbody th, .comm-table tbody td {
  padding: 0.8rem 1.25rem; border-bottom: var(--rule); text-align: left; font-weight: 300;
}
.comm-table tbody td { color: var(--navy); font-variant-numeric: tabular-nums; white-space: nowrap; }
.comm-table tr.group th {
  background: var(--bone-mid); font-family: var(--sans); font-weight: 500;
  font-size: 0.72rem; letter-spacing: 0.18em; text-transform: uppercase; color: var(--charcoal);
}
.comm-table tbody tr:not(.group):hover { background: rgba(176, 141, 87, 0.06); }

.disclosure-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(290px, 1fr)); gap: 1.5rem; }
@media (min-width: 860px) { .disclosure-grid { grid-template-columns: repeat(2, 1fr); } }
.disclosure-item { padding: 1.75rem; border: var(--rule); background: var(--white); }
.disclosure-item h3 { font-size: 1.25rem; color: var(--navy); margin-bottom: 0.75rem; }
.disclosure-item p { margin: 0; font-size: 0.92rem; color: var(--ink-soft); }
.disclosure-item strong { color: var(--navy); font-weight: 500; }

/* Risk list */
.risk-list { list-style: none; margin: 0; padding: 0; max-width: 88ch; display: grid; gap: 1.25rem; }
.risk-list li {
  position: relative; padding: 1.25rem 1.5rem 1.25rem 3.25rem;
  background: var(--white); border: var(--rule); font-size: 0.96rem; color: var(--ink-soft);
}
.risk-list li::before {
  content: ""; position: absolute; left: 1.5rem; top: 1.95rem;
  width: 8px; height: 8px; border: 1px solid var(--gold); transform: rotate(45deg);
}
.risk-list strong { color: var(--navy); font-weight: 500; }

/* Complaints escalation */
.escalation { list-style: none; counter-reset: step; margin: 0; padding: 0; max-width: 80ch; }
.escalation li {
  counter-increment: step; position: relative;
  padding: 0 0 2.25rem 4.25rem; border-left: 1px solid rgba(11, 31, 58, 0.16); margin-left: 1.1rem;
}
.escalation li:last-child { border-left-color: transparent; padding-bottom: 0; }
.escalation li::before {
  content: counter(step, decimal-leading-zero);
  position: absolute; left: -1.1rem; top: -0.25rem;
  width: 2.2rem; height: 2.2rem; background: var(--bone); color: var(--gold);
  border: 1px solid rgba(176, 141, 87, 0.55); border-radius: 50%;
  display: grid; place-items: center; font-family: var(--serif); font-size: 0.85rem;
}
.escalation h3 { font-size: 1.3rem; color: var(--navy); margin-bottom: 0.5rem; }
.escalation p { margin: 0 0 0.5rem; font-size: 0.96rem; color: var(--ink-soft); }
.escalation .meta { font-size: 0.86rem; }

.pending {
  color: #8a6d3b; background: rgba(176, 141, 87, 0.14);
  padding: 0.1rem 0.5rem; font-style: italic; font-size: 0.92em;
}

/* Privacy */
.privacy-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: clamp(1.75rem, 3.5vw, 2.75rem); }
.privacy-grid h3 {
  font-family: var(--sans); font-size: 0.78rem; font-weight: 500;
  letter-spacing: 0.2em; text-transform: uppercase; color: var(--gold);
  margin-bottom: 0.85rem; padding-bottom: 0.75rem; border-bottom: var(--rule);
}
.privacy-grid p { margin: 0; font-size: 0.95rem; color: var(--ink-soft); }
.privacy-grid strong { color: var(--navy); font-weight: 500; }

/* Contact */
.contact-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 1.5rem; }
.contact-card { padding: 1.9rem; border: 1px solid rgba(244, 241, 234, 0.16); background: rgba(255, 255, 255, 0.03); }
.contact-card h3 {
  font-family: var(--sans); font-size: 0.74rem; font-weight: 500;
  letter-spacing: 0.22em; text-transform: uppercase; color: var(--gold-light); margin-bottom: 1rem;
}
.contact-card address, .contact-card p { font-style: normal; margin: 0 0 0.5rem; font-size: 0.95rem; color: rgba(244, 241, 234, 0.82); }
.contact-card .reg-block strong { color: var(--gold-light); font-weight: 500; }
.contact-card .pending { color: var(--gold-light); background: rgba(176, 141, 87, 0.18); display: inline-block; }
.contact-note {
  margin: clamp(2rem, 4vw, 3rem) 0 0; padding-top: 1.75rem;
  border-top: 1px solid rgba(176, 141, 87, 0.3);
  font-size: 0.9rem; color: rgba(244, 241, 234, 0.62); max-width: 78ch;
}

/* ------------------------------------------------- Interior legal pages --- */
.page-hero {
  background: var(--navy); color: rgba(244, 241, 234, 0.85);
  padding: clamp(3rem, 7vw, 5rem) 0 clamp(2.5rem, 5vw, 3.5rem);
  border-bottom: 1px solid rgba(176, 141, 87, 0.3);
}
.crumb {
  font-size: 0.74rem; letter-spacing: 0.14em; text-transform: uppercase;
  color: rgba(244, 241, 234, 0.5); margin-bottom: 1.75rem;
}
.crumb a { color: rgba(244, 241, 234, 0.75); text-decoration: none; }
.crumb a:hover { color: var(--gold-light); }
.crumb span[aria-hidden] { margin: 0 0.4rem; color: rgba(176, 141, 87, 0.6); }
.page-hero h1 {
  font-size: clamp(2.1rem, 5vw, 3.4rem); font-weight: 300; color: var(--bone);
  max-width: 22ch;
}
.page-lede {
  margin: 1.25rem 0 0; font-size: 1.05rem; max-width: 62ch;
  color: rgba(244, 241, 234, 0.75);
}

.page-more { border-top: var(--rule); }
.page-more .rule-head { max-width: 100%; margin-bottom: 2rem; }
.more-links { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 1.25rem; }
.more-link {
  display: block; padding: 1.5rem; background: var(--white); border: var(--rule);
  text-decoration: none; transition: all 0.35s var(--ease);
}
.more-link:hover { border-color: rgba(176, 141, 87, 0.6); transform: translateY(-3px); }
.more-title {
  display: block; font-family: var(--serif); font-size: 1.2rem; color: var(--navy);
  margin-bottom: 0.4rem;
}
.more-blurb { display: block; font-size: 0.88rem; color: var(--ink-soft); line-height: 1.6; }

/* Contact cards render on bone on the home page, on navy elsewhere. */
.contact-grid-light .contact-card { border: var(--rule); background: var(--white); }
.contact-grid-light .contact-card h3 { color: var(--gold); }
.contact-grid-light .contact-card address,
.contact-grid-light .contact-card p { color: var(--ink-soft); }
.contact-grid-light .contact-card .reg-block strong { color: var(--navy); }
.contact-grid-light .contact-card a { color: var(--navy); }
.contact-grid-light .contact-card a:hover { color: var(--gold); }
#contact .contact-note { color: var(--ink-soft); border-top-color: rgba(176, 141, 87, 0.4); }

/* ------------------------------------------------------------------ Footer */
.site-footer { background: var(--navy-deep); color: rgba(244, 241, 234, 0.62); padding: clamp(3.5rem, 7vw, 5.5rem) 0 2.5rem; font-size: 0.9rem; }
.site-footer a { color: rgba(244, 241, 234, 0.8); }
.site-footer a:hover { color: var(--gold-light); }

.footer-top {
  display: flex; flex-wrap: wrap; gap: 2.5rem; justify-content: space-between;
  padding-bottom: 2.5rem; border-bottom: 1px solid rgba(244, 241, 234, 0.12);
}
.footer-brand { display: flex; flex-direction: column; gap: 1.4rem; align-items: flex-start; }
/* Wordmark reversed out on the navy footer, set larger — the footer is where
   the mark gets room to breathe. */
.footer-brand .brand { color: var(--bone); }
.footer-brand .brand-word { font-size: 2.6rem; }
.footer-brand .brand-sub { color: var(--gold-light); font-size: 0.76rem; }
.footer-identity { margin: 0; line-height: 1.7; font-size: 14px; color: rgba(244, 241, 234, 0.9); }
.footer-identity strong { color: var(--bone); font-weight: 500; font-size: 15px; }
.footer-tagline { color: var(--gold-light); }

.footer-cols {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 2rem 2.5rem; flex: 1 1 520px; max-width: 640px;
}
.footer-col { display: flex; flex-direction: column; align-items: flex-start; gap: 0.55rem; }
.footer-col h2 {
  font-family: var(--sans); font-size: 0.7rem; font-weight: 500;
  letter-spacing: 0.2em; text-transform: uppercase; color: var(--gold-light);
  margin: 0 0 0.35rem;
}
.footer-col a { font-size: 0.85rem; text-decoration: none; line-height: 1.5; }
.footer-addr { margin: 0.25rem 0 0; font-size: 0.82rem; line-height: 1.6; }

.footer-disclaimer { padding: 2.5rem 0; border-bottom: 1px solid rgba(244, 241, 234, 0.12); }
.footer-disclaimer p { margin: 0 0 1.1rem; font-size: 0.85rem; line-height: 1.75; max-width: 100ch; }
.footer-disclaimer p:last-child { margin-bottom: 0; }
.footer-disclaimer strong { color: var(--gold-light); font-weight: 500; }

.footer-bottom {
  display: flex; flex-wrap: wrap; gap: 0.75rem 2rem; justify-content: space-between;
  padding-top: 2rem; font-size: 0.82rem;
}
.footer-bottom p { margin: 0; }
.footer-legal-tag { color: var(--gold-light); letter-spacing: 0.06em; }

/* ------------------------------------------------------------- Back to top */
.to-top {
  position: fixed; right: 1.5rem; bottom: 1.5rem; z-index: 90;
  width: 46px; height: 46px; display: grid; place-items: center;
  background: var(--navy); color: var(--gold-light); text-decoration: none;
  border: 1px solid rgba(176, 141, 87, 0.5); border-radius: 50%;
  opacity: 0; pointer-events: none; transform: translateY(10px);
  transition: opacity 0.4s var(--ease), transform 0.4s var(--ease), background 0.3s var(--ease);
}
.to-top.is-visible { opacity: 1; pointer-events: auto; transform: none; }
.to-top:hover { background: var(--gold); color: var(--navy-deep); }

/* ------------------------------------------------------------- Responsive */
@media (max-width: 900px) {
  :root { --header-h: 72px; }

  .nav-toggle { display: flex; }

  .nav {
    position: fixed; inset: 0 0 0 auto; width: min(340px, 84vw);
    background: var(--navy); flex-direction: column; align-items: flex-start;
    justify-content: flex-start; gap: 0.35rem;
    padding: calc(var(--header-h) + 2.5rem) 2rem 2rem;
    transform: translateX(100%); transition: transform 0.45s var(--ease), visibility 0s linear 0.45s;
    box-shadow: -20px 0 60px -30px rgba(0, 0, 0, 0.8);
    /* Hidden as well as translated: an off-canvas panel still contributes
       to the scrollable width in mobile Safari/Chrome otherwise. */
    visibility: hidden;
  }
  .nav.is-open { transform: none; visibility: visible; transition-delay: 0s; }
  .nav a { color: var(--bone); font-size: 0.95rem; padding: 0.85rem 0; width: 100%; border-bottom: 1px solid rgba(244, 241, 234, 0.1); }
  .nav .nav-cta { margin-top: 1.25rem; width: 100%; text-align: center; border-bottom: var(--rule-gold); }

  body.nav-open { overflow: hidden; }

  .hero-inner { margin-left: auto; }
  .hero-bg::after { right: -30%; opacity: 0.5; }
  .footer-top { flex-direction: column; }
}

@media (max-width: 560px) {
  body { font-size: 16px; }
  .reg-strip { font-size: 13px; letter-spacing: 0.04em; }
  .reg-strip .reg-sep { display: none; }
  .reg-strip .wrap { flex-direction: column; gap: 0.15rem; }
  .brand-word { font-size: 1.65rem; }
  .brand-sub { font-size: 0.58rem; letter-spacing: 0; }
  .hero-actions .btn { width: 100%; text-align: center; }
  .escalation li { padding-left: 3.25rem; }
  .to-top { right: 1rem; bottom: 1rem; }
}

/* ----------------------------------------------------------------- Print */
@media print {
  .site-header, .nav, .to-top, .hero-actions { display: none !important; }
  body { background: #fff; color: #000; font-size: 11pt; }
  .hero, .section-navy, .site-footer { background: #fff !important; color: #000 !important; }
  .hero h1, .section-navy h2, .section-navy h3, .footer-identity strong { color: #000 !important; }
  .reveal { opacity: 1 !important; transform: none !important; }
  a { color: #000 !important; }
}