/* ============================================================
   Life Advisors — Global Styles
   Brand Guidelines (Sept 2026)
   Primary: Harbor Teal #00587C (PMS 308 C) · Coast #4298B5 (PMS 7459 C)
   Supporting: Gold #C79A45 · Slate Ink #1E2529 · Pale Mist #EFF3F5
   Architecture: client-approved website wireframe
   ============================================================ */

:root {
  --harbor: #00587C;
  --harbor-deep: #004766;
  --coast: #4298B5;
  --gold: #C79A45;
  --slate: #1E2529;
  --mist: #EFF3F5;
  --white: #ffffff;

  --navy: var(--harbor);
  --navy-deep: var(--harbor-deep);
  --ink: var(--slate);
  --teal: var(--coast);
  --teal-light: #7ab8cc;
  --foam: var(--mist);
  --paper: var(--mist);
  --line: #d5dde1;
  --muted: #5c6368;
  --dark: var(--slate);
  --radius: 4px;
  --shadow: 0 12px 40px rgba(30, 37, 41, .10);
  --shadow-lg: 0 24px 60px rgba(0, 88, 124, .16);
  --header-h: 120px;
  --transition: .22s ease;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
/* Beat display:flex rules (e.g. .form-group.checkbox, .btn) that override the UA [hidden] style. */
[hidden] { display: none !important; }
html { scroll-behavior: smooth; }
body {
  font-family: "Source Sans 3", "Segoe UI", system-ui, sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  font-size: 18px;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button, input, select, textarea { font-family: inherit; }

h1, h2, h3, h4 {
  font-family: Fraunces, Georgia, serif;
  font-weight: 560;
  letter-spacing: -.03em;
  line-height: 1.08;
  color: var(--ink);
  text-wrap: pretty;
}
h2, h3, h4 {
  text-wrap: balance;
}
p, li, label, .lead, .subnote, .accordion-body, .footer-disclosure, .diagnostic, .hero p, .page-hero p, .prose p, .card p, .step p, .flow-item p, .article-copy p {
  text-wrap: pretty;
}
p + p {
  margin-top: 1.35em;
}
.tm {
  font-size: 0.55em;
  font-weight: 700;
  vertical-align: super;
  line-height: 0;
  letter-spacing: 0;
  text-transform: none;
  margin-left: 0.08em;
}
h1 .tm,
h2 .tm,
h3 .tm {
  font-size: 0.2em;
}
h1 { font-size: clamp(2.4rem, 5.4vw, 4.4rem); }
h2 { font-size: clamp(1.85rem, 3.6vw, 3.1rem); }
h3 { font-size: clamp(1.15rem, 1.8vw, 1.45rem); letter-spacing: -.015em; }

.container { width: min(1180px, calc(100% - 80px)); margin-inline: auto; }
.eyebrow {
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 16px;
}
.lead { font-size: 1.15rem; color: var(--muted); max-width: 42rem; }
.section { padding: 110px 0; }
.section--alt { background: var(--paper); }
.section--foam { background: var(--foam); }
.section--dark { background: var(--dark); color: var(--white); }
.section--dark h2, .section--dark h3 { color: var(--white); }
.section--dark .eyebrow { color: var(--gold); }
.section--dark p { color: rgba(255,255,255,.78); }
.text-center { text-align: center; }
.center-lead { margin-inline: auto; }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 16px 24px;
  border-radius: var(--radius);
  font-size: .88rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: transform var(--transition), background var(--transition), color var(--transition), box-shadow var(--transition);
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--navy); color: var(--white); border-color: var(--navy); }
.btn-primary:hover { background: var(--harbor-deep); box-shadow: 0 10px 24px rgba(0,88,124,.28); }
.btn-light { background: var(--white); color: var(--ink); }
.btn-light:hover { background: var(--foam); }
.btn-outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: var(--white); }
.btn-outline-light { background: transparent; color: var(--white); border-color: rgba(255,255,255,.55); }
.btn-outline-light:hover { background: var(--white); color: var(--ink); }
.btn-sm { padding: 12px 18px; font-size: .78rem; }
.subnote { margin-top: 14px; font-size: .88rem; color: var(--muted); }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255,255,255,.94);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--line);
}
.nav {
  display: flex;
  align-items: center;
  gap: 28px;
  min-height: var(--header-h);
}
.logo { display: flex; align-items: center; flex-shrink: 0; }
.logo img { height: 75.6px; width: auto; }
.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
  margin-left: auto;
}
.nav-links a {
  padding: 10px 12px;
  font-size: .92rem;
  font-weight: 600;
  color: var(--muted);
  border-radius: var(--radius);
}
.nav-links a:hover,
.nav-links a.active { color: var(--navy); }
.nav-dropdown { position: relative; }
.nav-dropdown > a::after { content: " ▾"; font-size: .7rem; opacity: .55; }
.dropdown-menu {
  display: none;
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 220px;
  background: var(--white);
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
  padding: 8px 0;
}
.nav-dropdown:hover .dropdown-menu,
.nav-dropdown:focus-within .dropdown-menu { display: block; }
.dropdown-menu a { display: block; padding: 10px 16px; }
.nav-cta { display: flex; align-items: center; }
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  margin-left: auto;
}
.hamburger span { width: 22px; height: 2px; background: var(--ink); }

/* Hero */
.hero {
  position: relative;
  min-height: calc(100vh - var(--header-h));
  display: flex;
  align-items: center;
  overflow: hidden;
  background: var(--mist);
}
.hero-bg {
  position: absolute;
  inset: 0;
  background: var(--mist);
}
.hero-bg--photo {
  background:
    url("https://images.unsplash.com/photo-1556740738-b6a63e27c4df?auto=format&fit=crop&w=2000&q=80") center/cover no-repeat;
}
.hero-video {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  opacity: 0;
  transition: opacity .45s ease;
}
.hero-video.is-ready {
  opacity: 1;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(239,243,245,.96) 0%, rgba(239,243,245,.82) 38%, rgba(239,243,245,.28) 70%, rgba(239,243,245,.08) 100%);
}
.hero .container { position: relative; z-index: 2; padding: 80px 0 96px; }
.hero-copy { max-width: 720px; }
.hero p { font-size: 1.22rem; color: var(--muted); max-width: 38rem; margin: 18px 0 0; }
.hero p + p { margin-top: 1.35em; }
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 12px 28px;
  margin-top: 32px;
}
.text-link {
  font-size: .95rem;
  font-weight: 700;
  color: var(--navy);
  text-decoration: underline;
  text-underline-offset: 3px;
}
.text-link:hover { color: var(--harbor-deep); }
.hero-trust { display: flex; flex-wrap: wrap; gap: 18px 28px; margin-top: 28px; font-size: .86rem; font-weight: 600; color: var(--navy); }
.hero-trust span { display: flex; align-items: center; gap: 8px; }
.hero-trust span::before {
  content: "";
  width: 7px; height: 7px;
  background: var(--gold);
  transform: rotate(45deg);
}
.hero-badges {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 10px 14px;
  margin-top: 28px;
}
.hero-badges a {
  display: block;
  line-height: 0;
  transition: opacity .2s ease;
}
.hero-badges a:hover { opacity: .86; }
.hero-badges img {
  height: 56px;
  width: auto;
  display: block;
}

/* Problem */
.three-col { display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px; margin-top: 56px; text-align: left; }
.icon-mark {
  width: 52px; height: 52px;
  display: grid; place-items: center;
  margin-bottom: 20px;
  color: var(--navy);
}
.icon-mark svg { width: 40px; height: 40px; }
.three-col p, .card p, .step p, .flow-item p { color: var(--muted); font-size: 1rem; }

/* Lifeline steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: var(--line); margin: 48px 0 40px; }
.steps--4 { grid-template-columns: repeat(4, 1fr); }
.steps--5 { grid-template-columns: repeat(5, 1fr); }
.step { background: var(--white); padding: 40px 32px; }
.steps--4 .step { padding: 36px 24px; }
.steps--5 .step { padding: 32px 18px; }
.step .num {
  font-family: Fraunces, Georgia, serif;
  font-size: clamp(1.7rem, 2.2vw, 2.2rem);
  font-weight: 560;
  letter-spacing: -.04em;
  line-height: 1;
  color: var(--harbor);
  margin-bottom: 10px;
}
.step h3 {
  line-height: 1.12;
  margin: 0;
}
.steps--5 .step h3 { font-size: 1.12rem; line-height: 1.12; }
.step p {
  line-height: 1.42;
  margin: 16px 0 0;
}
.step .text-link { font-size: inherit; }
.lifeline-intro {
  max-width: 46rem;
  margin: 0 auto;
}
.lifeline-intro .lead { max-width: none; }
.lead-compact {
  font-size: 1rem;
  line-height: 1.55;
  color: var(--muted);
  margin-top: 1em;
  max-width: 46rem;
}
.distinction {
  margin: 28px auto 0;
  padding: 22px 26px;
  max-width: 42rem;
  text-align: left;
  background: var(--white);
  border: 1px solid var(--line);
  border-left: 4px solid var(--gold);
}
.distinction p {
  margin: 0;
  color: var(--ink);
  line-height: 1.5;
}
.distinction--prose {
  margin: 28px 0 0;
}
.meaning-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  margin: 36px 0 16px;
  text-align: left;
}
.meaning-card {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 28px 24px;
}
.meaning-card h3 {
  margin: 0 0 12px;
  font-size: 1.2rem;
  line-height: 1.15;
}
.meaning-card p {
  margin: 0;
  color: var(--muted);
  line-height: 1.45;
}
.meaning-note { margin: 0 0 8px; max-width: 46rem; }
.resources-copy { max-width: 46rem; }
.resources-copy .lead { max-width: none; }
.fee-line {
  margin-top: 1.15em;
  color: var(--ink);
  font-weight: 600;
  max-width: 46rem;
}
.terms-heading {
  margin: 40px 0 8px;
  font-size: clamp(1.35rem, 2.2vw, 1.75rem);
  line-height: 1.18;
  max-width: 40rem;
}
.explain-list {
  display: grid;
  gap: 22px;
  margin: 28px 0 8px;
  text-align: left;
}
.explain-item {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 36px 40px;
}
.explain-item .num {
  font-family: Fraunces, Georgia, serif;
  font-size: clamp(1.7rem, 2.2vw, 2.2rem);
  font-weight: 560;
  letter-spacing: -.04em;
  line-height: 1;
  color: var(--harbor);
  margin-bottom: 10px;
}
.explain-item h3 {
  margin: 0;
  font-size: clamp(1.28rem, 2vw, 1.55rem);
  line-height: 1.18;
  max-width: 36rem;
}
.explain-item .kicker {
  margin: 16px 0 0;
  color: var(--ink);
  font-size: 1.05rem;
  line-height: 1.45;
  max-width: 44rem;
}
.explain-item p {
  margin: 1em 0 0;
  color: var(--muted);
  line-height: 1.55;
  max-width: 44rem;
}
.explain-item p + p { margin-top: 1em; }
.resources-close {
  margin: 36px 0 20px;
  max-width: 36rem;
}

/* Process */
.four-flow { display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; margin-top: 48px; }
.flow-item { position: relative; padding-right: 18px; }
.flow-item:not(:last-child)::after {
  content: "→";
  position: absolute;
  right: -8px;
  top: 12px;
  color: var(--teal);
  font-size: 1.4rem;
}

/* Difference */
.diff-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; margin-top: 48px; }
.diff-grid--5 .card:last-child {
  grid-column: 1 / -1;
  width: calc((100% - 22px) / 2);
  justify-self: center;
}
.card {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 36px 32px;
  min-height: 230px;
}
.card .verify {
  display: inline-block;
  margin-top: 12px;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--slate);
  background: #f7f0e3;
  padding: 4px 8px;
}

.engage-intro { max-width: 46rem; }
.engage-intro h2 { margin-bottom: 18px; }
.engage-split {
  display: grid;
  grid-template-columns: 1fr 1.08fr;
  gap: 24px;
  margin-top: 48px;
  align-items: stretch;
}
.engage-panel {
  height: 100%;
  padding: 40px 36px;
  border: 1px solid var(--line);
  background: var(--white);
}
.engage-panel h3 {
  font-size: clamp(1.28rem, 2vw, 1.58rem);
  margin: 0 0 16px;
}
.engage-panel p { color: var(--muted); }
.engage-panel p + p { margin-top: 1.15em; }
.engage-panel .eyebrow { margin-bottom: 12px; }
.engage-panel--accent {
  background: var(--harbor);
  border-color: var(--harbor);
  color: var(--white);
}
.engage-panel--accent h3 { color: var(--white); }
.engage-panel--accent p { color: rgba(255,255,255,.84); }
.engage-panel--accent .eyebrow { color: var(--gold); }
.engage-note {
  max-width: 46rem;
  margin-top: 28px;
}

/* Split sections */
.split { display: grid; grid-template-columns: .95fr 1.05fr; gap: 72px; align-items: center; }
.split--flip { grid-template-columns: 1.05fr .95fr; }
.photo-frame {
  min-height: 480px;
  background:
    linear-gradient(180deg, rgba(0,88,124,.08), rgba(30,37,41,.28)),
    url("https://images.unsplash.com/photo-1507679799987-c73779587ccf?auto=format&fit=crop&w=1400&q=80") center/cover no-repeat;
  border: 1px solid var(--line);
}
.photo-frame--tim {
  background:
    url("../images/team-tim.jpg") center 18%/cover no-repeat;
}
.photo-caption { margin-top: 12px; font-size: .85rem; color: var(--muted); }

.section--leaders { padding: 72px 0 110px; }
.leader-row {
  display: grid;
  grid-template-columns: 200px minmax(0, 1fr);
  gap: 48px;
  align-items: start;
  padding: 56px 0;
  border-bottom: 1px solid var(--line);
}
.leader-row:last-child { border-bottom: 0; padding-bottom: 0; }
.leader-row:first-child { padding-top: 8px; }
.leader-portrait {
  margin: 0;
  width: 200px;
  flex-shrink: 0;
  aspect-ratio: 4 / 5;
  overflow: hidden;
  border: 1px solid var(--line);
  background: var(--mist);
}
.leader-portrait img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 8%;
  display: block;
}
.leader-portrait--stacey img { object-position: center 10%; }
.leader-copy {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  min-width: 0;
  padding-top: 4px;
}
.leader-copy h2 {
  font-size: clamp(1.55rem, 2.4vw, 2.15rem);
  margin-bottom: 6px;
}
.leader-title {
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--navy);
  margin: 0 0 16px;
}
.leader-copy .leader-title::after {
  content: "";
  display: block;
  width: 36px;
  height: 2px;
  background: var(--gold);
  margin-top: 14px;
}
.leader-tagline {
  font-family: Fraunces, Georgia, serif;
  font-size: clamp(1.05rem, 1.6vw, 1.22rem);
  font-weight: 500;
  font-style: italic;
  line-height: 1.4;
  color: var(--ink);
  margin: 0 0 18px;
  max-width: 36rem;
}
.leader-excerpt {
  color: var(--muted);
  margin: 0;
  max-width: 40rem;
}
.leader-copy .btn {
  margin-top: 32px;
}

.page-hero .eyebrow { color: var(--gold); }
.page-hero--profile { padding: 52px 0 44px; }
.page-hero--profile h1 { font-size: clamp(2.1rem, 4.2vw, 3.4rem); }
.page-hero--profile p { margin-top: 10px; }
.section--profile { padding: 64px 0 96px; }
.profile-layout {
  display: grid;
  grid-template-columns: 300px minmax(0, 1fr);
  gap: 56px;
  align-items: start;
}
.profile-aside {
  position: sticky;
  top: calc(var(--header-h) + 28px);
}
.profile-portrait {
  margin: 0;
  aspect-ratio: 4 / 5;
  overflow: hidden;
  border: 1px solid var(--line);
  background: var(--mist);
}
.profile-portrait img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 8%;
  display: block;
}
.profile-portrait--stacey img { object-position: center 10%; }
.profile-contact {
  display: flex;
  gap: 8px;
  margin-top: 14px;
}
.profile-link {
  box-sizing: border-box;
  width: 36px;
  height: 36px;
  flex: 0 0 36px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  border: 1px solid var(--line);
  color: var(--navy);
  background: var(--white);
  transition: background var(--transition), color var(--transition), border-color var(--transition);
}
.profile-link svg {
  width: 16px;
  height: 16px;
  max-width: 16px;
  max-height: 16px;
  display: block;
  fill: currentColor;
  flex-shrink: 0;
}
.profile-link:hover {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}
.profile-bio .leader-tagline {
  font-size: clamp(1.15rem, 1.8vw, 1.38rem);
  margin-bottom: 28px;
  padding-bottom: 24px;
  border-bottom: 1px solid var(--line);
}
.profile-bio .subnote { margin-top: 32px; }

/* Diagram */
.diagram {
  border: 1px solid var(--line);
  background: var(--white);
  padding: 36px;
}
.dia-row { display: grid; grid-template-columns: 1fr 48px 1fr; align-items: center; margin: 10px 0; }
.dia-box {
  border: 1px solid var(--navy);
  color: var(--navy);
  padding: 14px 12px;
  text-align: center;
  font-size: .82rem;
  font-weight: 700;
  letter-spacing: .04em;
  background: var(--foam);
}
.dia-box--result { background: var(--navy); color: var(--white); border-color: var(--navy); }
.dia-arrow { text-align: center; color: var(--teal); font-size: 1.3rem; }

/* Future state */
.after {
  position: relative;
  min-height: 900px;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding: 180px 0;
}
.after-bg {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(30,37,41,.82) 0%, rgba(0,88,124,.55) 48%, rgba(30,37,41,.18) 100%),
    url("../images/life-after-restaurant.jpg") center/cover no-repeat;
}
.after .container { position: relative; z-index: 2; }
.after-copy { max-width: 700px; color: var(--white); }
.after-copy h2, .after-copy p { color: var(--white); }
.after-copy .eyebrow { color: var(--gold); }
.after-copy p { font-size: 1.15rem; }

/* Proof */
.quotes { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; margin-top: 44px; }
.quote { border: 1px solid var(--line); padding: 32px; min-height: 230px; }
.quote p { color: var(--muted); font-size: 1rem; }
.statstrip { display: grid; grid-template-columns: repeat(3, 1fr); margin-top: 24px; background: var(--paper); }
.stat { padding: 28px 20px; text-align: center; border-right: 1px solid var(--line); }
.stat:last-child { border-right: 0; }
.stat strong { display: block; font-family: Fraunces, serif; font-size: 1.05rem; margin-bottom: 6px; }
.stat small { color: var(--muted); font-size: .85rem; }

/* Resources */
.articles { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; margin-top: 44px; }
.article { background: var(--white); border: 1px solid var(--line); }
.article-img {
  position: relative;
  height: 200px;
  overflow: hidden;
  display: grid;
  place-items: center;
  background-color: var(--harbor-deep);
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
}
.article-img--article {
  background-image:
    linear-gradient(180deg, rgba(30, 37, 41, .12) 0%, rgba(30, 37, 41, .32) 100%),
    url("../images/resource-article.jpg");
}
.article-img--education {
  background-image:
    linear-gradient(180deg, rgba(30, 37, 41, .12) 0%, rgba(30, 37, 41, .32) 100%),
    url("../images/resource-education.jpg");
  background-position: center 55%;
}
.article-img--compare {
  background-image:
    linear-gradient(180deg, rgba(30, 37, 41, .12) 0%, rgba(30, 37, 41, .32) 100%),
    url("../images/resource-compare.jpg");
  background-position: center 42%;
}
.article-img span {
  color: var(--white);
  font-size: .82rem;
  font-weight: 700;
  letter-spacing: .16em;
  text-transform: uppercase;
  padding: 7px 12px;
  background: rgba(0, 71, 102, .82);
}
.article-copy { padding: 24px; }
.article-copy p { color: var(--muted); font-size: .95rem; margin-top: 8px; }
.article-copy .text-link { display: inline-block; margin-top: 12px; }

/* CTA */
.cta-block { text-align: center; }
.cta-block h2 { max-width: 18ch; margin-inline: auto; margin-bottom: 18px; }
.cta-block p { margin-inline: auto; margin-bottom: 32px; }

/* Page hero */
.page-hero {
  padding: 88px 0 72px;
  background:
    linear-gradient(120deg, var(--navy-deep) 0%, var(--navy) 62%, var(--teal) 140%);
  color: var(--white);
}
.page-hero h1, .page-hero p { color: var(--white); }
.page-hero p { color: rgba(255,255,255,.8); max-width: 38rem; margin-top: 14px; }
.breadcrumb { font-size: .82rem; color: rgba(255,255,255,.62); margin-bottom: 18px; }
.breadcrumb a { color: var(--gold); }

/* Forms */
.contact-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 56px; align-items: start; }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-size: .85rem; font-weight: 700; margin-bottom: 6px; }
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 13px 14px;
  border: 1.5px solid var(--line);
  border-radius: var(--radius);
  font-size: 1rem;
  color: var(--ink);
  background: var(--white);
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(66,152,181,.16);
}
.form-group textarea { min-height: 140px; resize: vertical; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-progress {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 28px;
}
.form-progress-step {
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--muted);
  padding-bottom: 10px;
  border-bottom: 3px solid var(--line);
}
.form-progress-step.is-active { color: var(--harbor); border-color: var(--harbor); }
.form-progress-step.is-complete { color: var(--teal); border-color: var(--gold); }
.phone-verify {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 8px;
  align-items: stretch;
}
.phone-verify .btn { white-space: nowrap; height: 100%; }
.form-status { font-size: .85rem; margin-top: 8px; }
.form-status.is-ok { color: var(--harbor); font-weight: 600; }
.form-status.is-error { color: #9b2c2c; }
.form-nav { display: flex; flex-wrap: wrap; gap: 12px; margin: 8px 0 12px; }
.sms-skip { display: inline-block; margin-top: 8px; background: none; border: 0; padding: 0; font: inherit; cursor: pointer; }
.need-box--wide { max-width: 52rem; }
.upload-box { margin-top: 24px; }
.file-list { list-style: none; margin: 12px 0 0; }
.file-list li { font-size: .9rem; color: var(--muted); margin-bottom: 6px; }
.contact-card {
  background: var(--harbor);
  color: var(--white);
  padding: 40px 32px;
}
.contact-card h3 { color: var(--white); margin-bottom: 10px; }
.contact-card p { color: rgba(255,255,255,.78); }
.contact-card p + p { margin-top: 1em; }
.contact-card strong { color: var(--white); font-weight: 700; }
.contact-card a { color: var(--gold); }
.contact-hours {
  width: 100%;
  margin-top: 20px;
  border-collapse: collapse;
  font-size: .92rem;
  color: rgba(255,255,255,.78);
}
.contact-hours th {
  text-align: left;
  font-weight: 600;
  color: var(--white);
  padding: 5px 18px 5px 0;
  width: 42%;
}
.contact-hours td { padding: 5px 0; }
.req { color: var(--gold); }

/* Accordion */
.accordion { border-top: 1px solid var(--line); }
.accordion-item { border-bottom: 1px solid var(--line); }
.accordion-trigger {
  width: 100%;
  background: none;
  border: 0;
  padding: 22px 0;
  text-align: left;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--ink);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  gap: 16px;
}
.accordion-body { display: none; padding: 0 0 22px; color: var(--muted); }
.accordion-item.open .accordion-body { display: block; }

/* Footer */
.footer { background: var(--slate); color: #c5cbce; padding: 72px 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.5fr repeat(3, 1fr); gap: 40px; padding-bottom: 48px; }
.footer h3 {
  font-family: "Source Sans 3", sans-serif;
  font-size: .78rem;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--white);
  margin-bottom: 18px;
}
.footer p, .footer li { font-size: .92rem; line-height: 1.8; }
.footer a:hover { color: var(--gold); }
.footer-logo { height: 72px; width: auto; margin-bottom: 18px; }
.footer-social {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 2px 4px;
  margin: 0 0 28px;
}
.footer-social a {
  display: grid;
  place-items: center;
  width: 36px;
  height: 36px;
  color: #fff;
  opacity: .92;
}
.footer-social a:hover,
.footer-social a:focus-visible {
  color: var(--gold);
  opacity: 1;
}
.footer-social svg {
  width: 18px;
  height: 18px;
  display: block;
  fill: currentColor;
}
.legal {
  border-top: 1px solid rgba(255,255,255,.1);
  padding: 22px 0 32px;
  font-size: .78rem;
  color: #8b9296;
  display: flex;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.legal a { color: var(--coast); }

/* Landing pages */
.lp-header { padding: 20px 0; border-bottom: 1px solid var(--line); background: var(--white); }
.lp-header .container { display: flex; justify-content: space-between; align-items: center; }

/* Utilities */
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mb-16 { margin-bottom: 16px; }
.prose p { margin-bottom: 0; color: var(--muted); max-width: 44rem; }
.prose p + p { margin-top: 1.35em; }
.prose h2 { margin: 36px 0 14px; }
.prose ul {
  list-style: disc;
  padding-left: 1.3em;
  margin: 1.15em 0 0;
  max-width: 44rem;
  color: var(--muted);
}
.prose li { margin: 0 0 .7em; line-height: 1.55; }
.prose li:last-child { margin-bottom: 0; }
.checklist li {
  position: relative;
  padding-left: 28px;
  margin-bottom: 12px;
  color: var(--muted);
}
.checklist li::before {
  content: "";
  position: absolute;
  left: 0; top: 8px;
  width: 10px; height: 10px;
  background: var(--gold);
  transform: rotate(45deg);
}
.need-box {
  background: var(--mist);
  border: 1px solid var(--line);
  padding: 36px 40px;
  margin-top: 32px;
  max-width: 44rem;
}
.need-box h2 { margin: 0 0 12px; }
.need-box p { color: var(--muted); }
.need-box .checklist { margin: 20px 0 0; }
#what-youll-need,
#resources,
#five-questions { scroll-margin-top: calc(var(--header-h) + 16px); }

#questions { scroll-margin-top: 24px; }
.question-list {
  list-style: none;
  display: grid;
  gap: 16px;
  margin: 48px 0 40px;
  max-width: 52rem;
}
.question-list li {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 22px;
  align-items: start;
  background: var(--white);
  border: 1px solid var(--line);
  border-left: 4px solid var(--gold);
  padding: 28px 32px;
}
.question-num {
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .16em;
  color: var(--teal);
  padding-top: 8px;
}
.question-list p {
  margin: 0;
  font-family: Fraunces, Georgia, serif;
  font-size: clamp(1.2rem, 2vw, 1.55rem);
  font-weight: 560;
  letter-spacing: -.02em;
  line-height: 1.28;
  color: var(--ink);
}

@media (max-width: 980px) {
  .container { width: calc(100% - 48px); }
  .nav-links, .nav-cta { display: none; }
  .nav-links.open, .nav-cta.open {
    display: flex;
    flex-direction: column;
    align-items: stretch;
    position: absolute;
    left: 0; right: 0;
    background: var(--white);
    padding: 12px 24px 20px;
    border-bottom: 1px solid var(--line);
  }
  .nav-links.open { top: var(--header-h); }
  .nav-cta.open { top: calc(var(--header-h) + 400px); }
  .hamburger { display: flex; }
  .dropdown-menu { position: static; display: block; box-shadow: none; border: 0; padding: 0 0 8px 12px; }
  .three-col, .steps, .diff-grid, .diff-grid--5, .engage-split, .quotes, .articles, .footer-grid, .contact-grid, .meaning-grid { grid-template-columns: 1fr; }
  .diff-grid--5 .card { grid-column: auto; }
  .diff-grid--5 .card:last-child { width: auto; }
  .steps--4, .steps--5 { grid-template-columns: 1fr 1fr; }
  .four-flow { grid-template-columns: 1fr 1fr; }
  .split, .split--flip { grid-template-columns: 1fr; }
  .leader-row { grid-template-columns: 160px minmax(0, 1fr); gap: 28px; padding: 40px 0; }
  .leader-portrait { width: 160px; }
  .profile-layout { grid-template-columns: 200px minmax(0, 1fr); gap: 36px; }
  .profile-aside { position: static; }
  .flow-item:not(:last-child)::after { display: none; }
  .hero { min-height: 0; }
  .hero .container { padding: 56px 0 64px; }
  .hero-video {
    object-position: 70% 50%;
  }
  .hero-overlay {
    background: linear-gradient(
      90deg,
      rgba(239,243,245,.95) 0%,
      rgba(239,243,245,.84) 32%,
      rgba(239,243,245,.4) 58%,
      rgba(239,243,245,.12) 78%,
      rgba(239,243,245,.03) 100%
    );
  }
  .photo-frame { min-height: 360px; }
  .form-row { grid-template-columns: 1fr; }
  .phone-verify { grid-template-columns: 1fr; }
  .statstrip { grid-template-columns: 1fr; }
  .stat { border-right: 0; border-bottom: 1px solid var(--line); }
  .question-list li { padding: 22px 20px; gap: 16px; }
}

@media (max-width: 1200px) and (min-width: 981px) {
  .steps--5 { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 640px) {
  .container { width: calc(100% - 32px); }
  .section { padding: 72px 0; }
  .four-flow, .steps--4, .steps--5 { grid-template-columns: 1fr; }
  .need-box, .explain-item { padding: 28px 22px; }
  .logo img { height: 61.2px; }
  .legal { flex-direction: column; }
  .after { min-height: 680px; padding: 96px 0; }
  .hero {
    flex-direction: column;
    align-items: stretch;
    background: var(--mist);
  }
  .hero-bg {
    position: relative;
    inset: auto;
    width: 100%;
    height: 280px;
    flex-shrink: 0;
  }
  .hero-bg::after {
    content: "";
    position: absolute;
    left: 0;
    right: 0;
    bottom: 0;
    height: 48px;
    background: linear-gradient(180deg, transparent, var(--mist));
    pointer-events: none;
  }
  .hero-overlay {
    display: none;
  }
  .hero .container {
    padding: 28px 0 48px;
    background: var(--mist);
  }
  .hero p { font-size: 1.08rem; }
  .hero-badges { gap: 8px 10px; }
  .hero-badges img { height: 44px; }
  .hero-video {
    object-position: 74% 50%;
  }
  .section--leaders,
  .section--profile { padding: 48px 0 72px; }
  .leader-row { grid-template-columns: 112px minmax(0, 1fr); gap: 18px; padding: 32px 0; }
  .leader-portrait { width: 112px; }
  .leader-copy .btn { margin-top: 22px; padding: 12px 16px; }
  .profile-layout { grid-template-columns: 120px minmax(0, 1fr); gap: 20px; }
  .profile-contact { gap: 6px; }
  .profile-link { width: 32px; height: 32px; flex-basis: 32px; }
}

@media (max-width: 640px) and (prefers-reduced-motion: reduce) {
  .hero-bg { display: none; }
}

@media (prefers-reduced-motion: reduce) {
  .hero-video { display: none; }
}
@media (scripting: none) {
  .hero-video { opacity: 1; }
}

.diagnostic {
  font-family: Fraunces, Georgia, serif;
  font-size: 1.25rem;
  font-weight: 560;
  line-height: 1.35;
  max-width: 38rem;
  margin: 48px auto 16px;
  color: var(--ink);
}
.section-cta-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 16px 24px;
  justify-content: center;
  margin-top: 32px;
}
.plain-answer {
  border: 1px solid var(--line);
  padding: 28px 32px;
  margin-top: 36px;
  background: var(--foam);
  text-align: left;
}
.plain-answer h3 { margin-bottom: 8px; }
.plain-answer p { color: var(--muted); margin: 0; }
.after-copy .checklist { margin-top: 28px; }
.after-copy .checklist li { color: rgba(255,255,255,.88); }
.after-copy .subnote { color: rgba(255,255,255,.7); }
.footer-disclosure {
  font-size: .78rem;
  line-height: 1.65;
  color: #8b9296;
  max-width: 72rem;
  padding-bottom: 20px;
}
.form-group.checkbox {
  display: flex;
  gap: 10px;
  align-items: flex-start;
}
.form-group.checkbox input { width: auto; margin-top: 5px; flex-shrink: 0; }
.form-group.checkbox label { font-weight: 400; margin: 0; }
.accordion-item h3 {
  margin: 0;
  font-size: 1.05rem;
  letter-spacing: 0;
  line-height: 1.35;
  font-family: "Source Sans 3", "Segoe UI", system-ui, sans-serif;
  font-weight: 700;
}
.qualify-list { margin: 28px 0 16px; }
.cta-trust { margin-top: 18px; font-size: .88rem; color: rgba(255,255,255,.7); }
.cta-trust a { color: var(--gold); text-decoration: underline; }

/* ============================================================
   Accessibility & SXO utilities (SEO pass, Sept 26 2026)
   ============================================================ */
.skip-link {
  position: absolute; left: 16px; top: -64px; z-index: 2000;
  background: var(--harbor); color: var(--white);
  padding: 10px 18px; border-radius: var(--radius);
  font-weight: 600; text-decoration: none; transition: top .15s ease;
}
.skip-link:focus { top: 12px; outline: 2px solid var(--gold); outline-offset: 2px; }
main:focus { outline: none; }
.visually-hidden {
  position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); clip-path: inset(50%); white-space: nowrap; border: 0;
}
.footer-contact { font-style: normal; margin-top: 16px; font-size: .92rem; line-height: 1.8; }
.footer-contact a { color: inherit; }
.footer-contact a:hover { color: var(--gold); }