/* Skip link */
.skip-link {
  position: fixed; top: -100%; left: 1rem;
  background: #63444B; color: #fff;
  padding: .5rem 1rem; border-radius: 2px;
  font-family: var(--ui); font-size: .75rem; font-weight: 600;
  z-index: 99999; text-decoration: none; transition: top .2s;
}
.skip-link:focus { top: .5rem; }
:focus-visible { outline: 2px solid #63444B; outline-offset: 3px; border-radius: 2px; }
:focus:not(:focus-visible) { outline: none; }

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   DESIGN TOKENS
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
:root {
  /* PRIMARY — Warm FT Backgrounds */
  --paper:    #FAF6F0;
  --cream:    #F5EDE0;
  --cream-d:  #EDE0CE;
  --peach:    #FCD0AF;
  --peach-m:  #F8BC8E;

  /* TYPOGRAPHY — Charcoal System */
  --ink:      #3E474F;
  --charcoal: #3E474F;
  --slate:    #4A5862;
  --mid:      #7A8A94;
  --rule:     #D8CBBA;
  --rule-lt:  #EDE3D6;

  /* ACCENT — Burgundy / Maroon (primary accent) */
  --burg:     #3E474F;
  --burg-m:   #3E474F;
  --burg-l:   #3E474F;
  --maroon:   #3E474F;
  --maroon-l: #3E474F;

  /* SUBTLE — Forest green (accent only, very restrained) */
  --forest:   #06402B;
  --forest-m: #0A5438;
  --green:    #4A7C59;  /* Forest accent — premium green */

  /* SURFACES — Dark sections for contrast */
  --ink-bg:   #63444B;
  --slate-bg: #63444B;

  /* LAYOUT */
  --max:  1340px;
  --pad:  clamp(1.5rem, 5vw, 5rem);
  --pad-sm: clamp(1rem, 3vw, 2.5rem);

  /* FONTS — FT.com inspired hierarchy */
  --display: 'Cormorant Garamond', 'Playfair Display', Georgia, serif;   /* Financier Display equivalent */
  --serif:   'Playfair Display', 'Cormorant Garamond', Georgia, serif;   /* Tiempos Headline equivalent */
  --body:    'Libre Baskerville', Georgia, serif;                         /* Body reading text */
  --ui:      'DM Sans', system-ui, sans-serif;                           /* UI, menus, labels */

  /* MOTION */
  --ease-out: cubic-bezier(0.0, 0.0, 0.2, 1);
  --ease-reveal: cubic-bezier(0.16, 1, 0.3, 1);
}

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   RESET
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; -webkit-font-smoothing: antialiased; }
body { font-family: var(--ui); background: var(--paper); color: var(--ink); overflow-x: hidden; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
input, select, textarea { font-family: inherit; }

/* Cursor removed */

/* Progress bar */
#pgbar {
  position: fixed; top: 0; left: 0;
  height: 2px; width: 0%;
  background: linear-gradient(90deg, var(--burg), var(--maroon));
  z-index: 10001;
  transition: width .05s linear;
}

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   LOADER
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
#loader {
  position: fixed; inset: 0;
  background: var(--burg);
  z-index: 99990;
  display: flex; flex-direction: column;
  align-items: center; justify-content: center; gap: 1.5rem;
  transition: opacity .8s var(--ease-reveal), visibility .8s;
}
#loader.gone { opacity: 0; visibility: hidden; pointer-events: none; }
.l-name {
  font-family: var(--display);
  font-size: clamp(2rem, 5vw, 3.2rem);
  font-weight: 700;
  color: var(--peach);
  letter-spacing: .06em;
  opacity: 0;
  animation: fadeUp .6s .2s var(--ease-reveal) forwards;
}
.l-bar {
  width: 56px; height: 1px;
  background: rgba(252,208,175,.2);
  overflow: hidden;
}
.l-bar::after {
  content: '';
  display: block; height: 100%;
  background: var(--peach);
  width: 0%;
  animation: barFill 1.6s .5s var(--ease-out) forwards;
}
.l-sub {
  font-family: var(--ui);
  font-size: .6rem; letter-spacing: .24em; text-transform: uppercase;
  color: rgba(252,208,175,.3);
  opacity: 0; animation: fadeUp .5s .9s forwards;
}
@keyframes barFill { to { width: 100%; } }
@keyframes fadeUp { from { opacity: 0; transform: translateY(12px); } to { opacity: 1; transform: none; } }

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   NAVIGATION — FT Masthead Style
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
#nav { position: fixed; top: 0; left: 0; right: 0; z-index: 1000; }

/* Utility bar */
/* nav-top not used on this page */

/* Main nav bar */
.nav-bar {
  background: var(--paper);
  border-bottom: 1px solid var(--rule);
  display: flex; align-items: center;
  height: 64px;
  padding: 0 var(--pad);
  transition: box-shadow .3s;
}
.nav-bar.shadow { box-shadow: 0 2px 20px rgba(17,24,39,.08); }

/* FT-style SK Financial logo */
.nav-logo {
  display: flex; align-items: center;
  padding-right: 1.5rem;
  margin-right: 2rem;
  border-right: 1px solid var(--rule);
  gap: 0; text-decoration: none; flex-shrink: 0;
}
.logo-sk {
  font-family: var(--display);
  font-size: 2rem; font-weight: 700;
  color: var(--ink); line-height: 1; letter-spacing: -.03em;
}
.logo-sep { width: 1px; height: 24px; background: var(--rule); margin: 0 .85rem; }
.logo-full {
  font-family: var(--ui); font-size: .75rem;
  font-weight: 500; color: var(--charcoal);
  letter-spacing: .04em; line-height: 1; max-width: 90px;
  text-transform: uppercase;
}

.nav-links { display: flex; align-items: center; flex: 1; gap: .25rem; }
.nav-a {
  display: flex; align-items: center;
  padding: .45rem .9rem;
  font-family: var(--ui); font-size: .76rem; font-weight: 500;
  letter-spacing: .02em; color: var(--charcoal);
  border-radius: 2px;
  transition: background .2s, color .2s;
  cursor: pointer; text-decoration: none; white-space: nowrap;
}
.nav-a:hover { background: var(--cream); color: var(--burg); }
.nav-a.active { color: var(--burg); font-weight: 600; background: var(--cream); }

.nav-acts { display: flex; align-items: center; gap: .75rem; margin-left: auto; padding-left: 1.5rem; }
.n-btn {
  padding: .48rem 1.2rem;
  font-family: var(--ui); font-size: .68rem; font-weight: 500;
  letter-spacing: .1em; text-transform: uppercase;
  border-radius: 1px; cursor: pointer; text-decoration: none; transition: all .25s;
  white-space: nowrap;
}
.n-btn-o { border: 1px solid var(--rule); color: var(--charcoal); }
.n-btn-o:hover { border-color: var(--burg); color: var(--burg); }
.n-btn-f { background: var(--burg); color: #fff; }
.n-btn-f:hover { background: var(--burg-l); }

.hamburger {
  display: none; flex-direction: column; gap: 5px;
  cursor: pointer; padding: 8px; margin-left: .5rem; align-self: center;
}
.hamburger span { display: block; width: 22px; height: 1.5px; background: #63444B; transition: all .3s; }

/* Mobile menu */
#mob-nav {
  display: none; position: fixed; inset: 0;
  background: #63444B; z-index: 9990;
  flex-direction: column; align-items: flex-start; justify-content: center;
  padding: var(--pad); gap: 2rem;
}
#mob-nav.open { display: flex; }
.mob-a {
  font-family: var(--display); font-size: clamp(2rem, 6vw, 3.2rem); font-weight: 700;
  color: var(--paper); text-decoration: none;
  opacity: 0; transform: translateY(20px);
  animation: fadeUp .45s var(--ease-reveal) forwards;
}
.mob-a:nth-child(2){animation-delay:.05s}.mob-a:nth-child(3){animation-delay:.1s}
.mob-a:nth-child(4){animation-delay:.15s}.mob-a:nth-child(5){animation-delay:.2s}
.mob-a:nth-child(6){animation-delay:.25s}.mob-a:nth-child(7){animation-delay:.3s}
.mob-close {
  position: absolute; top: 1.5rem; right: var(--pad);
  font-size: 1.4rem; color: rgba(255,255,255,.5); cursor: pointer;
}

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   UTILITIES
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 var(--pad); }
.sect { padding: clamp(5rem, 10vw, 10rem) 0; }
.sect-sm { padding: clamp(3rem, 6vw, 6rem) 0; }

/* FT-style section label */
.eyebrow {
  display: flex; align-items: center; gap: .75rem;
  font-family: var(--ui); font-size: .62rem; font-weight: 600;
  letter-spacing: .24em; text-transform: uppercase; color: var(--burg);
  margin-bottom: 1.5rem;
}
.eyebrow::before { content: ''; display: block; width: 28px; height: 2px; background: var(--burg); flex-shrink: 0; }
.eyebrow.lt { color: rgba(252,208,175,.7); }
.eyebrow.lt::before { background: var(--peach-m); }
.eyebrow.dk { color: var(--mid); }
.eyebrow.dk::before { background: var(--rule); }

/* Headlines — FT-style typography hierarchy */
.h1 { font-family: var(--display); font-size: clamp(3.2rem, 7vw, 6.5rem); font-weight: 700; line-height: 1.01; letter-spacing: -.04em; color: var(--ink); }
.h2 { font-family: var(--display); font-size: clamp(2rem, 4.5vw, 3.8rem); font-weight: 600; line-height: 1.08; letter-spacing: -.03em; color: var(--ink); }
.h3 { font-family: var(--serif); font-size: clamp(1.5rem, 3vw, 2.4rem); font-weight: 700; line-height: 1.14; letter-spacing: -.02em; color: var(--ink); }
.h4 { font-family: var(--serif); font-size: clamp(1.1rem, 2vw, 1.55rem); font-weight: 700; line-height: 1.2; letter-spacing: -.015em; color: var(--ink); }
.on-dark .h1, .on-dark .h2, .on-dark .h3, .on-dark .h4 { color: var(--paper); }
.accent { color: var(--burg-m); }
.accent-p { color: var(--peach); }

/* Body text — Libre Baskerville for editorial warmth */
.body-lg { font-family: var(--body); font-size: clamp(.95rem, 1.4vw, 1.1rem); line-height: 1.8; color: var(--slate); }
.body-sm { font-family: var(--body); font-size: .88rem; line-height: 1.75; color: var(--slate); }
.on-dark .body-lg, .on-dark .body-sm { color: rgba(250,246,240,.5); }

/* Rules */
.rule-line { height: 1px; background: var(--rule); }
.rule-heavy { height: 2px; background: #63444B; }
.rule-burg { height: 2px; background: var(--burg); }

/* BUTTONS */
.btn {
  display: inline-flex; align-items: center; gap: .6rem;
  font-family: var(--ui); font-size: .72rem; font-weight: 500;
  letter-spacing: .12em; text-transform: uppercase;
  padding: .85rem 1.8rem; border-radius: 1px;
  cursor: pointer; text-decoration: none; transition: all .3s var(--ease-reveal);
}
.btn-arr { display: inline-block; transition: transform .3s; }
.btn:hover .btn-arr { transform: translateX(4px); }

.btn-burg { background: var(--burg); color: #fff; }
.btn-burg:hover { background: var(--burg-l); }
.btn-dark { background: var(--burg); color: var(--paper); }
.btn-dark:hover { background: var(--burg); }
.btn-out { border: 1.5px solid var(--ink); color: var(--ink); }
.btn-out:hover { background: var(--burg); color: var(--paper); }
.btn-out-burg { border: 1.5px solid var(--burg); color: var(--burg); }
.btn-out-burg:hover { background: var(--burg); color: #fff; }
.btn-ghost-lt { border: 1px solid rgba(250,246,240,.3); color: rgba(250,246,240,.85); }
.btn-ghost-lt:hover { border-color: var(--peach); color: var(--peach); }
.btn-peach { background: var(--peach); color: var(--ink); }
.btn-peach:hover { background: var(--peach-m); }

/* REVEAL */
[data-r] {
  opacity: 0; will-change: transform, opacity;
  transition: opacity .9s var(--ease-reveal), transform .9s var(--ease-reveal);
}
[data-r="up"] { transform: translateY(44px); }
[data-r="left"] { transform: translateX(-44px); }
[data-r="right"] { transform: translateX(44px); }
[data-r="fade"] { }
[data-r].in { opacity: 1; transform: none; }
[data-d="1"] { transition-delay: .1s !important; }
[data-d="2"] { transition-delay: .2s !important; }
[data-d="3"] { transition-delay: .3s !important; }
[data-d="4"] { transition-delay: .4s !important; }
[data-d="5"] { transition-delay: .5s !important; }

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   FT NEWS TICKER
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.ticker-band {
  background: var(--burg);
  padding: .58rem 0; overflow: hidden; position: relative;
}
.tick-lbl {
  position: absolute; left: 0; top: 0; bottom: 0;
  background: var(--burg-l); display: flex; align-items: center;
  padding: 0 1rem; z-index: 2;
  font-family: var(--ui); font-size: .58rem; font-weight: 600;
  letter-spacing: .2em; text-transform: uppercase; color: var(--peach); white-space: nowrap;
}
.tick-lbl::after {
  content: ''; position: absolute; right: -10px; top: 0; bottom: 0; width: 10px;
  background: linear-gradient(90deg, var(--burg-l), transparent);
}
.tick-track {
  display: flex; animation: tickScroll 36s linear infinite; padding-left: 145px;
}
.tick-track:hover { animation-play-state: paused; }
.tick-item {
  display: flex; align-items: center; gap: 2rem; padding: 0 2.5rem;
  white-space: nowrap; font-family: var(--ui); font-size: .72rem;
  color: rgba(252,208,175,.7); flex-shrink: 0;
}
.tick-item a { color: rgba(252,208,175,.9); transition: color .2s; }
.tick-item a:hover { color: #fff; }
.tsep { width: 3px; height: 3px; background: rgba(252,208,175,.35); border-radius: 50%; }
@keyframes tickScroll { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   HERO — Warm editorial, peach/cream bg
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.hero {
  background: var(--paper);
  padding-top: 126px; /* nav height */
  min-height: 0;
  display: grid;
  grid-template-rows: 1fr auto;
  position: relative;
  overflow: hidden;
}

/* Subtle warm pattern */
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 70% 60% at 70% 30%, rgba(62,71,79,.04) 0%, transparent 60%),
    radial-gradient(ellipse 50% 50% at 10% 80%, rgba(252,208,175,.18) 0%, transparent 50%);
  pointer-events: none;
}

.hero-inner {
  position: relative; z-index: 1;
  padding: clamp(1rem, 2vh, 2rem) var(--pad) clamp(1rem, 2vh, 2rem);
  max-width: var(--max); margin: 0 auto; width: 100%;
  display: grid; grid-template-columns: 1.05fr 1fr;
  gap: clamp(3rem, 6vw, 8rem); align-items: center;
}

/* Left column — editorial headline */
.hero-kicker {
  display: flex; align-items: center; gap: .75rem;
  font-family: var(--ui); font-size: .62rem; font-weight: 600;
  letter-spacing: .26em; text-transform: uppercase; color: var(--burg-m);
  margin-bottom: 1.6rem;
  opacity: 0; animation: fadeUp .6s 1.4s var(--ease-reveal) forwards;
}
.hero-kicker::before { content: ''; width: 24px; height: 2px; background: var(--burg-m); }

.hero-h1 {
  font-family: var(--display);
  font-size: clamp(3rem, 6.5vw, 6rem);
  font-weight: 700; line-height: 1.0; letter-spacing: -.035em;
  color: var(--ink); margin-bottom: 2rem;
  opacity: 0; animation: fadeUp .85s 1.6s var(--ease-reveal) forwards;
}
.hero-h1 span { display: block; }
.hero-h1 .hl-accent { color: var(--burg); }

.hero-dek {
  font-family: var(--body);
  font-size: clamp(.92rem, 1.4vw, 1.06rem);
  line-height: 1.78; color: var(--slate);
  max-width: 46ch; margin-bottom: 2.8rem;
  opacity: 0; animation: fadeUp .85s 1.8s var(--ease-reveal) forwards;
}

.hero-actions {
  display: flex; gap: 1rem; flex-wrap: wrap;
  opacity: 0; animation: fadeUp .7s 2s var(--ease-reveal) forwards;
}

/* Right column — FT-style stat panel */
.hero-panel {
  opacity: 0; animation: fadeUp .9s 1.9s var(--ease-reveal) forwards;
}
.panel-card {
  background: var(--cream);
  border: 1px solid var(--rule);
  border-left: 3px solid var(--burg);
  padding: 0;
  overflow: hidden;
}
.panel-head {
  padding: 1.1rem 1.6rem;
  border-bottom: 1px solid var(--rule);
  display: flex; justify-content: space-between; align-items: center;
  background: var(--cream-d);
}
.panel-head-l {
  font-family: var(--ui); font-size: .58rem; font-weight: 600;
  letter-spacing: .2em; text-transform: uppercase; color: var(--mid);
}
.panel-dot { width: 6px; height: 6px; background: var(--burg); border-radius: 50%; animation: blink 1.8s infinite; }
@keyframes blink { 0%,100%{opacity:1} 50%{opacity:.2} }
.panel-stats { display: grid; grid-template-columns: 1fr 1fr; }
.p-stat {
  padding: 1.6rem;
  border-right: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}
.p-stat:nth-child(2n) { border-right: none; }
.p-stat:nth-child(3), .p-stat:nth-child(4) { border-bottom: none; }
.p-stat-n {
  font-family: var(--display);
  font-size: clamp(1.8rem, 3.5vw, 2.8rem);
  font-weight: 700; color: var(--burg-m); line-height: 1; margin-bottom: .3rem;
}
.p-stat-l {
  font-family: var(--ui); font-size: .62rem; letter-spacing: .1em;
  text-transform: uppercase; color: var(--mid);
}
.panel-contact {
  padding: 1.1rem 1.6rem;
  border-top: 1px solid var(--rule);
  display: flex; gap: 1.5rem; flex-wrap: wrap;
  background: var(--cream-d);
}
.pc-item { display: flex; align-items: center; gap: .45rem; }
.pc-item a {
  font-family: var(--ui); font-size: .74rem; color: var(--slate);
  text-decoration: none; transition: color .2s;
}
.pc-item a:hover { color: var(--burg); }

/* Hero bottom ribbon */
.hero-ribbon {
  position: relative; z-index: 1;
  border-top: 1px solid var(--rule);
  display: grid; grid-template-columns: repeat(4, 1fr);
  opacity: 0; animation: fadeUp .7s 2.2s var(--ease-reveal) forwards;
}
.ribbon-item {
  padding: 1.2rem var(--pad);
  border-right: 1px solid var(--rule);
  transition: background .25s;
}
.ribbon-item:last-child { border-right: none; }
.ribbon-item:hover { background: var(--cream); }
.rib-lbl { font-family: var(--ui); font-size: .56rem; letter-spacing: .18em; text-transform: uppercase; color: var(--mid); margin-bottom: .15rem; }
.rib-val { font-family: var(--ui); font-size: .78rem; color: var(--charcoal); font-weight: 500; }

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   BURGUNDY ACCENT STRIP (after hero)
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.burg-strip {
  background: var(--burg);
  padding: 0;
  overflow: hidden;
}
.bs-inner {
  display: flex; align-items: stretch;
  max-width: var(--max); margin: 0 auto;
}
.bs-item {
  flex: 1; padding: 1.4rem var(--pad-sm);
  border-right: 1px solid rgba(255,255,255,.1);
  display: flex; align-items: center; gap: .8rem;
  transition: background .25s;
}
.bs-item:last-child { border-right: none; }
.bs-item:hover { background: rgba(255,255,255,.05); }
.bs-item-ico { font-size: 1.2rem; flex-shrink: 0; }
.bs-item-txt .lbl { font-family: var(--ui); font-size: .56rem; letter-spacing: .16em; text-transform: uppercase; color: rgba(252,208,175,.5); margin-bottom: .1rem; }
.bs-item-txt .val { font-family: var(--ui); font-size: .78rem; color: rgba(252,208,175,.85); font-weight: 500; }

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   ABOUT / INTRODUCTION — Two-column editorial
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.about-section { background: var(--paper); }
.about-layout {
  display: grid; grid-template-columns: 1fr 3px 1fr;
  gap: clamp(3rem, 6vw, 7rem); align-items: start;
}
.about-divider { background: var(--rule); align-self: stretch; }
.about-lead {
  font-family: var(--display);
  font-size: clamp(1.35rem, 2.5vw, 1.95rem);
  font-weight: 700; line-height: 1.28; letter-spacing: -.02em;
  color: var(--ink);
}
.about-lead .mark { background: linear-gradient(to right, var(--burg), var(--burg-l)); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }
.about-sub { font-family: var(--body); font-size: .92rem; line-height: 1.78; color: var(--slate); margin-top: 1.5rem; }
.about-cta-row { display: flex; gap: .75rem; margin-top: 2.5rem; flex-wrap: wrap; }

.about-pillars { display: flex; flex-direction: column; gap: 0; }
.pillar {
  display: flex; align-items: flex-start; gap: 1rem;
  padding: 1.2rem 0; border-bottom: 1px solid var(--rule-lt);
  transition: padding-left .3s var(--ease-reveal); cursor: default;
}
.pillar:first-child { border-top: 1px solid var(--rule-lt); }
.pillar:hover { padding-left: .65rem; }
.pillar-n { font-family: var(--display); font-size: .7rem; font-weight: 700; color: var(--burg); opacity: .7; flex-shrink: 0; width: 1.5rem; padding-top: 2px; }
.pillar-h { font-family: var(--display); font-size: .98rem; font-weight: 700; color: var(--ink); margin-bottom: .25rem; transition: color .2s; }
.pillar:hover .pillar-h { color: var(--burg); }
.pillar-p { font-family: var(--body); font-size: .82rem; line-height: 1.65; color: var(--slate); }

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   SERVICES — Authority editorial grid
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.services-section { background: var(--paper); }
.svc-header {
  display: flex; justify-content: space-between; align-items: flex-end;
  flex-wrap: wrap; gap: 1.5rem;
  padding-bottom: 2rem;
  border-bottom: 2px solid var(--ink);
}
.svc-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  border-left: 1px solid var(--rule);
  border-top: 1px solid var(--rule);
}
.svc-card {
  padding: 3rem 2.4rem 2.4rem;
  border-right: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
  position: relative; overflow: hidden;
  background: var(--paper);
  transition: background .32s, transform .32s var(--ease-reveal), box-shadow .32s;
  cursor: default; display: flex; flex-direction: column;
}
.svc-card:hover { background: var(--cream); transform: translateY(-2px); box-shadow: 0 8px 36px rgba(62,71,79,.09); z-index: 1; }
.svc-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0;
  height: 3px; background: var(--burg);
  transform: scaleX(0); transform-origin: left;
  transition: transform .45s var(--ease-reveal);
}
.svc-card:hover::before { transform: scaleX(1); }

/* Very large service icon — authority presentation */
.svc-icon {
  width: 88px; height: 88px;
  background: var(--cream-d); border: 1px solid var(--rule); border-radius: 2px;
  display: flex; align-items: center; justify-content: center;
  font-size: 2.8rem; margin-bottom: 2rem;
  transition: all .35s; flex-shrink: 0;
}
.svc-card:hover .svc-icon { background: var(--burg); border-color: var(--burg); }
.svc-n {
  font-family: var(--display); font-size: 6rem; font-weight: 700;
  color: rgba(17,24,39,.045); position: absolute; top: .5rem; right: 1rem;
  line-height: 1; transition: color .3s; pointer-events: none; user-select: none;
}
.svc-card:hover .svc-n { color: rgba(62,71,79,.07); }
.svc-cat {
  font-family: var(--ui); font-size: .6rem; font-weight: 600;
  letter-spacing: .22em; text-transform: uppercase; color: var(--burg); margin-bottom: .65rem;
}
.svc-card h3 {
  font-family: var(--serif); font-size: 1.35rem; font-weight: 700;
  color: var(--ink); margin-bottom: 1rem; line-height: 1.2;
  transition: color .2s; letter-spacing: -.015em;
}
.svc-card:hover h3 { color: var(--burg); }
.svc-card > p {
  font-family: var(--body); font-size: .92rem; line-height: 1.78;
  color: var(--slate); margin-bottom: 1.5rem;
}
.svc-list { margin-bottom: 1.4rem; }
.svc-list li {
  display: flex; align-items: flex-start; gap: .65rem;
  font-family: var(--ui); font-size: .8rem; color: var(--charcoal);
  padding: .48rem 0; border-bottom: 1px solid var(--rule-lt); line-height: 1.4;
}
.svc-list li:last-child { border-bottom: none; }
.svc-bullet {
  width: 4px; height: 4px; background: var(--burg); border-radius: 50%;
  flex-shrink: 0; margin-top: .45rem;
}
.svc-tags { display: flex; flex-wrap: wrap; gap: .28rem; margin-bottom: .9rem; }
.svc-tag {
  font-family: var(--ui); font-size: .6rem; letter-spacing: .04em;
  color: var(--burg-m); background: rgba(62,71,79,.07); padding: .15rem .5rem; border-radius: 1px;
}
.svc-lnk {
  font-family: var(--ui); font-size: .7rem; font-weight: 600;
  letter-spacing: .1em; text-transform: uppercase; color: var(--burg);
  display: inline-flex; align-items: center; gap: 5px; transition: gap .25s; text-decoration: none;
  margin-top: auto;
}
.svc-lnk:hover { gap: 9px; }
.svc-card.feat {
  background: var(--burg); border-color: rgba(255,255,255,.08);
}
.svc-card.feat:hover { background: var(--burg); }
.svc-card.feat::before { background: var(--peach); }
.svc-card.feat .svc-icon { background: rgba(252,208,175,.08); border-color: rgba(252,208,175,.14); font-size: 3rem; width: 96px; height: 96px; }
.svc-card.feat:hover .svc-icon { background: var(--burg); border-color: var(--burg); }
.svc-card.feat h3 { color: var(--paper); font-size: 1.3rem; }
.svc-card.feat:hover h3 { color: var(--peach); }
.svc-card.feat > p { color: rgba(250,246,240,.5); }
.svc-card.feat .svc-list li { color: rgba(250,246,240,.6); border-color: rgba(255,255,255,.07); }
.svc-card.feat .svc-cat { color: rgba(252,208,175,.55); }
.svc-card.feat .svc-tag { background: rgba(252,208,175,.1); color: rgba(252,208,175,.7); }
.svc-card.feat .svc-n { color: rgba(250,246,240,.04); }
.svc-card.feat .svc-lnk { color: var(--peach-m); }
.svc-card.feat .svc-bullet { background: var(--peach); }

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   STAT SECTION — Editorial numbers on cream
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.stats-band {
  background: var(--cream-d);
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}
.stats-inner {
  max-width: var(--max); margin: 0 auto;
  display: grid; grid-template-columns: repeat(4, 1fr);
}
.st-item {
  padding: 3rem var(--pad);
  border-right: 1px solid var(--rule);
  text-align: center;
}
.st-item:last-child { border-right: none; }
.st-num {
  font-family: var(--display); font-size: clamp(2.5rem, 5vw, 4rem);
  font-weight: 700; color: var(--burg-m); line-height: 1; margin-bottom: .4rem;
}
.st-lbl {
  font-family: var(--ui); font-size: .68rem; letter-spacing: .12em;
  text-transform: uppercase; color: var(--mid);
}

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   GLOBAL SECTION — Dark ink bg
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.global-section { background: var(--burg); padding: clamp(5rem, 10vw, 10rem) 0; }
.global-layout {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: clamp(3rem, 8vw, 8rem); align-items: center;
}
.globe-vis {
  display: flex; align-items: center; justify-content: center;
  height: 460px; position: relative;
}
.globe-art { position: relative; width: 360px; height: 360px; }
.g-ring {
  position: absolute; border-radius: 50%; border: 1px solid rgba(252,208,175,.1);
  top: 50%; left: 50%; transform: translate(-50%, -50%);
}
.g-ring-1 { width: 360px; height: 360px; border-color: rgba(252,208,175,.05); }
.g-ring-2 { width: 270px; height: 270px; border-color: rgba(252,208,175,.09); animation: rSpin 22s linear infinite; }
.g-ring-3 { width: 180px; height: 180px; border-color: rgba(252,208,175,.14); animation: rSpin 16s linear infinite reverse; }
.g-center {
  position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%);
  width: 80px; height: 80px; border: 1px solid rgba(252,208,175,.22);
  border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 2rem;
}
.g-node {
  position: absolute; width: 7px; height: 7px;
  background: var(--peach); border-radius: 50%;
  box-shadow: 0 0 0 3px rgba(252,208,175,.12);
  animation: nPulse 2.5s infinite;
}
.g-node:nth-child(5){top:5%;left:48%}
.g-node:nth-child(6){top:35%;left:93%;animation-delay:.5s}
.g-node:nth-child(7){top:75%;left:85%;animation-delay:1s}
.g-node:nth-child(8){top:88%;left:42%;animation-delay:1.5s}
.g-node:nth-child(9){top:60%;left:2%;animation-delay:2s}
.g-node:nth-child(10){top:20%;left:8%;animation-delay:2.5s}
@keyframes rSpin { from{transform:translate(-50%,-50%) rotate(0deg)}to{transform:translate(-50%,-50%) rotate(360deg)} }
@keyframes nPulse { 0%,100%{box-shadow:0 0 0 3px rgba(252,208,175,.12)}50%{box-shadow:0 0 0 9px rgba(252,208,175,0)} }

.global-features { display: grid; grid-template-columns: 1fr 1fr; gap: .7rem; margin-top: 2.4rem; }
.g-feat {
  padding: 1.1rem; border: 1px solid rgba(252,208,175,.08);
  background: rgba(252,208,175,.025); transition: all .3s;
}
.g-feat:hover { background: rgba(252,208,175,.06); border-color: rgba(252,208,175,.14); }
.g-feat h5 { font-family: var(--display); font-size: .86rem; font-weight: 700; color: var(--peach); margin-bottom: .22rem; }
.g-feat p { font-family: var(--ui); font-size: .72rem; color: rgba(250,246,240,.38); line-height: 1.5; }

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   PACKAGES — Cream background
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.pkg-section { background: var(--cream); }
.pkg-tabs {
  display: flex; border-bottom: 2px solid var(--ink); margin-bottom: 2.5rem;
}
.pkg-tab {
  padding: .65rem 1.3rem; font-family: var(--ui); font-size: .7rem; font-weight: 500;
  letter-spacing: .08em; text-transform: uppercase; color: var(--mid);
  background: none; border: none; cursor: pointer; transition: all .2s;
  border-bottom: 2px solid transparent; margin-bottom: -2px;
}
.pkg-tab.on { color: var(--ink); border-bottom-color: var(--burg); font-weight: 600; }
.pkg-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.pkg {
  background: var(--paper); border: 1px solid var(--rule);
  overflow: hidden; transition: all .35s;
}
.pkg:hover { box-shadow: 0 16px 52px rgba(17,24,39,.1); transform: translateY(-3px); }
.pkg.best { border-color: var(--burg); }
.pkg-head { padding: 2rem; background: #63444B; border-bottom: 1px solid rgba(255,255,255,.05); }
.pkg.best .pkg-head { background: var(--burg); }
.pkg-badge {
  display: inline-block; font-family: var(--ui); font-size: .58rem; font-weight: 600;
  letter-spacing: .14em; text-transform: uppercase;
  background: var(--peach); color: var(--burg); padding: .14rem .52rem; margin-bottom: .75rem;
}
.pkg-name { font-family: var(--display); font-size: 1.4rem; font-weight: 700; color: var(--paper); margin-bottom: .28rem; }
.pkg-desc { font-family: var(--body); font-size: .82rem; color: rgba(250,246,240,.45); line-height: 1.45; }
.pkg-body { padding: 1.8rem; }
.pkg-list { margin-bottom: 1.8rem; }
.pkg-list li {
  display: flex; align-items: flex-start; gap: .6rem;
  font-family: var(--ui); font-size: .82rem; color: var(--charcoal);
  padding: .52rem 0; border-bottom: 1px solid var(--rule-lt); line-height: 1.4;
}
.pkg-list li:last-child { border-bottom: none; }
.pkg-chk {
  width: 14px; height: 14px; border-radius: 50%;
  background: rgba(74,124,89,.1); color: var(--burg);
  display: flex; align-items: center; justify-content: center;
  font-size: .52rem; flex-shrink: 0; margin-top: 1px;
}
.pkg-cta {
  display: block; width: 100%; padding: .82rem; text-align: center;
  background: #63444B; color: var(--paper);
  font-family: var(--ui); font-size: .7rem; font-weight: 500;
  letter-spacing: .1em; text-transform: uppercase;
  text-decoration: none; transition: all .3s; border-radius: 1px; cursor: pointer;
}
.pkg-cta:hover { background: var(--burg); }
.pkg.best .pkg-cta { background: var(--burg); color: #fff; }
.pkg.best .pkg-cta:hover { background: var(--burg-l); }

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   TAX TABLES
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.tax-section { background: var(--paper); }
.tax-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.8rem; margin-top: 2.8rem; }
.tax-card { border: 1px solid var(--rule); background: var(--paper); overflow: hidden; }
.tax-head {
  padding: 1rem 1.6rem; background: var(--burg);
  display: flex; justify-content: space-between; align-items: center;
}
.tax-head h3 { font-family: var(--display); font-size: .92rem; font-weight: 700; color: var(--peach); }
.tax-yr { font-family: var(--ui); font-size: .58rem; letter-spacing: .14em; text-transform: uppercase; background: rgba(252,208,175,.12); color: rgba(252,208,175,.6); padding: .13rem .5rem; }
.t-tbl { width: 100%; border-collapse: collapse; }
.t-tbl th { padding: .58rem 1.4rem; font-family: var(--ui); font-size: .6rem; letter-spacing: .12em; text-transform: uppercase; color: var(--mid); background: rgba(62,71,79,.025); text-align: left; font-weight: 500; }
.t-tbl td { padding: .72rem 1.4rem; font-family: var(--ui); font-size: .8rem; color: var(--charcoal); border-bottom: 1px solid var(--rule-lt); }
.t-tbl tr:last-child td { border-bottom: none; }
.t-tbl tr:hover td { background: var(--cream); }
td.r { font-family: var(--display); font-weight: 700; color: var(--burg-m); font-size: .92rem; }
td.hi { color: var(--maroon); font-weight: 500; }
td.g { color: var(--forest-m); font-weight: 600; }

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   STATES TABLE
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.states-section { background: var(--cream); }
.st-filters { display: flex; gap: .45rem; flex-wrap: wrap; margin-bottom: 1.3rem; }
.sf-btn {
  padding: .35rem .85rem; font-family: var(--ui); font-size: .68rem; font-weight: 500;
  letter-spacing: .06em; background: var(--paper); border: 1px solid var(--rule);
  color: var(--mid); cursor: pointer; transition: all .2s; border-radius: 1px;
}
.sf-btn.on { background: var(--burg); color: #fff; border-color: var(--burg); }
.states-wrap { overflow-x: auto; border: 1px solid var(--rule); }
.st-tbl { width: 100%; border-collapse: collapse; min-width: 780px; background: var(--paper); }
.st-tbl th { padding: .78rem 1.3rem; font-family: var(--ui); font-size: .6rem; letter-spacing: .14em; text-transform: uppercase; color: var(--mid); background: var(--cream); text-align: left; font-weight: 500; border-bottom: 1px solid var(--rule); }
.st-tbl td { padding: .78rem 1.3rem; font-family: var(--ui); font-size: .8rem; color: var(--charcoal); border-bottom: 1px solid var(--rule-lt); }
.st-tbl tr:last-child td { border-bottom: none; }
.st-tbl tr:hover td { background: var(--cream); }
.stn { font-weight: 600; color: var(--ink); }
.ntx { color: var(--forest-m); font-weight: 600; }
.htx { color: var(--charcoal); }

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   RESOURCES — FT editorial grid
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.res-section { background: var(--paper); }
.res-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 0; border: 1px solid var(--rule); margin-top: 2.2rem;
}
.res-card {
  padding: 2rem 1.8rem; border-right: 1px solid var(--rule); border-bottom: 1px solid var(--rule);
  transition: background .3s; cursor: default; display: flex; flex-direction: column; position: relative;
}
.res-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: var(--burg); transform: scaleX(0); transform-origin: left;
  transition: transform .45s var(--ease-reveal);
}
.res-card:hover::before { transform: scaleX(1); }
.res-card:nth-child(3n) { border-right: none; }
.res-card:nth-child(4), .res-card:nth-child(5), .res-card:nth-child(6) { border-bottom: none; }
.res-card:hover { background: var(--cream); }
.res-cat {
  font-family: var(--ui); font-size: .6rem; font-weight: 600; letter-spacing: .18em;
  text-transform: uppercase; color: var(--burg); background: rgba(62,71,79,.07);
  padding: .16rem .5rem; width: fit-content; margin-bottom: .9rem;
}
.res-card h3 { font-family: var(--display); font-size: 1.01rem; font-weight: 700; color: var(--ink); margin-bottom: .6rem; line-height: 1.3; transition: color .2s; flex: 1; }
.res-card:hover h3 { color: var(--burg); }
.res-card p { font-family: var(--body); font-size: .82rem; color: var(--slate); line-height: 1.65; margin-bottom: 1.1rem; }
.res-lnk { font-family: var(--ui); font-size: .66rem; font-weight: 500; letter-spacing: .1em; text-transform: uppercase; color: var(--burg); display: inline-flex; align-items: center; gap: 4px; transition: gap .25s; text-decoration: none; }
.res-lnk:hover { gap: 8px; }

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   INSIGHTS — FT newspaper layout
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.ins-section { background: var(--cream); }
.ins-layout { display: grid; grid-template-columns: 2fr 1fr; gap: 0; border: 1px solid var(--rule); margin-top: 2.2rem; }
.ins-feat { border-right: 1px solid var(--rule); display: flex; flex-direction: column; }
.ins-img {
  height: 260px;
  background: linear-gradient(140deg, var(--slate-bg) 0%, var(--ink-bg) 100%);
  position: relative; overflow: hidden; display: flex; align-items: flex-end; padding: 1.5rem;
}
.ins-img::before {
  content: ''; position: absolute; inset: 0;
  background: repeating-linear-gradient(-55deg, rgba(252,208,175,.015) 0px, rgba(252,208,175,.015) 1px, transparent 1px, transparent 42px);
}
.ins-img::after {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 60%;
  background: linear-gradient(to top, rgba(17,24,39,.5), transparent);
}
.ins-tag { position: relative; z-index: 1; font-family: var(--ui); font-size: .58rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; background: var(--burg); color: #fff; padding: .18rem .62rem; }
.ins-body { padding: 2rem; flex: 1; display: flex; flex-direction: column; }
.ins-body h2 { font-family: var(--display); font-size: clamp(1.2rem, 2.5vw, 1.7rem); font-weight: 700; color: var(--ink); margin-bottom: .75rem; line-height: 1.25; transition: color .2s; }
.ins-feat:hover .ins-body h2 { color: var(--burg); }
.ins-body p { font-family: var(--body); font-size: .88rem; color: var(--slate); line-height: 1.72; flex: 1; margin-bottom: 1.2rem; }
.ins-meta { display: flex; gap: 1rem; }
.ins-meta span { font-family: var(--ui); font-size: .68rem; color: var(--mid); }
.ins-cta { font-family: var(--ui); font-size: .65rem; font-weight: 500; letter-spacing: .1em; text-transform: uppercase; color: var(--burg); display: inline-flex; align-items: center; gap: 4px; margin-top: 1.1rem; transition: gap .2s; text-decoration: none; }
.ins-cta:hover { gap: 8px; }
.ins-sidebar { display: flex; flex-direction: column; }
.ins-mini { padding: 1.4rem; border-bottom: 1px solid var(--rule); flex: 1; transition: background .3s; cursor: default; }
.ins-mini:last-child { border-bottom: none; }
.ins-mini:hover { background: var(--paper); }
.ins-mini .ins-tag { display: inline-block; margin-bottom: .5rem; }
.ins-mini h4 { font-family: var(--display); font-size: .95rem; font-weight: 700; color: var(--ink); margin-bottom: .4rem; line-height: 1.3; transition: color .2s; }
.ins-mini:hover h4 { color: var(--burg); }
.ins-mini p { font-family: var(--body); font-size: .78rem; color: var(--slate); line-height: 1.6; }

/* News links */
.news-links {
  background: var(--paper); border-top: 1px solid var(--rule); border-bottom: 1px solid var(--rule);
  padding: 1.4rem 0;
}
.news-links-inner { display: flex; align-items: center; gap: 2rem; flex-wrap: wrap; justify-content: center; }
.nl-lbl { font-family: var(--ui); font-size: .58rem; font-weight: 600; letter-spacing: .22em; text-transform: uppercase; color: var(--mid); }
.nl-div { width: 1px; height: 16px; background: var(--rule); }
.nl-link { font-family: var(--display); font-size: .95rem; font-weight: 700; color: var(--charcoal); opacity: .6; transition: opacity .2s, color .2s; }
.nl-link:hover { opacity: 1; color: var(--burg); }

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   TESTIMONIALS — Dark slate bg
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.test-section { background: var(--burg); padding: clamp(5rem, 10vw, 10rem) 0; }
.test-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; margin-top: 2.8rem; border-top: 1px solid rgba(250,246,240,.07); }
.test-card { padding: 2.2rem; border-right: 1px solid rgba(250,246,240,.07); transition: background .3s; }
.test-card:last-child { border-right: none; }
.test-card:hover { background: rgba(250,246,240,.03); }
.test-stars { color: var(--peach-m); font-size: .76rem; margin-bottom: .9rem; letter-spacing: .05em; }
.test-q { font-family: var(--display); font-size: 3.5rem; line-height: .8; color: rgba(252,208,175,.1); margin-bottom: .4rem; }
.test-txt { font-family: var(--body); font-size: .93rem; line-height: 1.72; color: rgba(250,246,240,.65); margin-bottom: 1.8rem; }
.test-au { display: flex; align-items: center; gap: .85rem; }
.t-av { width: 40px; height: 40px; border-radius: 50%; background: linear-gradient(135deg, var(--burg-m), var(--maroon-l)); display: flex; align-items: center; justify-content: center; font-family: var(--display); font-size: .88rem; font-weight: 700; color: var(--peach); flex-shrink: 0; }
.t-name { font-family: var(--ui); font-size: .83rem; font-weight: 500; color: var(--peach); }
.t-role { font-family: var(--ui); font-size: .68rem; color: rgba(250,246,240,.32); margin-top: 1px; }

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   PROCESS — Paper bg
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.process-section { background: var(--paper); }
.proc-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; border-top: 2px solid var(--ink); margin-top: 2.8rem; }
.proc { padding: 2.2rem 1.8rem; border-right: 1px solid var(--rule); transition: background .3s; cursor: default; }
.proc:last-child { border-right: none; }
.proc:hover { background: var(--cream); }
.proc-n { font-family: var(--display); font-size: 3.2rem; font-weight: 900; color: rgba(17,24,39,.055); line-height: 1; margin-bottom: .7rem; transition: color .3s; }
.proc:hover .proc-n { color: rgba(62,71,79,.09); }
.proc h4 { font-family: var(--display); font-size: 1rem; font-weight: 700; color: var(--ink); margin-bottom: .45rem; transition: color .2s; }
.proc:hover h4 { color: var(--burg); }
.proc p { font-family: var(--body); font-size: .82rem; color: var(--slate); line-height: 1.65; }

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   INFO CHECKLISTS
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.info-section { background: var(--cream); }
.info-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.3rem; margin-top: 2.2rem; }
.info-card { background: var(--paper); border: 1px solid var(--rule); overflow: hidden; transition: all .3s; }
.info-card:hover { box-shadow: 0 10px 38px rgba(17,24,39,.08); transform: translateY(-2px); }
.info-head { padding: 1.4rem; background: var(--burg); border-bottom: 1px solid rgba(255,255,255,.1); display: flex; align-items: center; gap: .75rem; }
.info-head.alt { background: var(--burg-l); }
.info-head.alt2 { background: var(--maroon); }
.info-head.alt3 { background: var(--burg); border-bottom: 1px solid rgba(255,255,255,.08); }
.info-em { font-size: 1.5rem; }
.info-head h3 { font-family: var(--display); font-size: .95rem; font-weight: 700; color: #fff; }
.info-head p { font-family: var(--ui); font-size: .64rem; color: rgba(255,255,255,.45); margin-top: .1rem; }
.info-body { padding: 1.4rem; }
.info-li { }
.info-li li {
  display: flex; align-items: flex-start; gap: .55rem;
  font-family: var(--ui); font-size: .76rem; color: var(--charcoal);
  padding: .47rem 0; border-bottom: 1px solid var(--rule-lt); line-height: 1.4;
}
.info-li li:last-child { border-bottom: none; }
.ia { color: var(--burg); font-size: .68rem; flex-shrink: 0; margin-top: 2px; font-weight: 700; }

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   FAQ
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.faq-section { background: var(--paper); }
.faq-layout { display: grid; grid-template-columns: 1fr 2fr; gap: clamp(3rem, 6vw, 6rem); align-items: start; }
.faq-intro { position: sticky; top: 130px; }
.fq { border-bottom: 1px solid var(--rule); }
.fq:first-child { border-top: 1px solid var(--rule); }
.fq-q {
  width: 100%; display: flex; justify-content: space-between; align-items: center;
  padding: 1.2rem 0; cursor: pointer; background: none; border: none; gap: 2rem;
}
.fq-q h4 { font-family: var(--display); font-size: .97rem; font-weight: 700; color: var(--ink); transition: color .2s; text-align: left; line-height: 1.3; }
.fq-q:hover h4 { color: var(--burg); }
.fq-ico { width: 25px; height: 25px; border: 1px solid var(--rule); border-radius: 50%; display: grid; place-items: center; font-size: .95rem; color: var(--burg); flex-shrink: 0; transition: all .35s; }
.fq.open .fq-ico { background: var(--burg); color: #fff; border-color: var(--burg); transform: rotate(45deg); }
.fq-a { max-height: 0; overflow: hidden; transition: max-height .5s var(--ease-reveal), padding .3s; }
.fq.open .fq-a { max-height: 600px; padding-bottom: 1.2rem; }
.fq-a p { font-family: var(--body); font-size: .9rem; color: var(--slate); line-height: 1.75; }

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   CTA — Burgundy background
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.cta-section {
  background: var(--burg);
  padding: clamp(5rem, 10vw, 10rem) 0;
  text-align: center; position: relative; overflow: hidden;
}
.cta-section::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 70% 80% at 50% 50%, rgba(255,255,255,.04) 0%, transparent 70%);
}
.cta-section h2 { position: relative; font-family: var(--display); font-size: clamp(2.4rem, 6vw, 4.8rem); font-weight: 700; letter-spacing: -.03em; line-height: 1.05; color: #fff; margin-bottom: 1.1rem; }
.cta-section h2 span { color: var(--peach); }
.cta-section p { position: relative; font-family: var(--body); font-size: 1.05rem; line-height: 1.7; color: rgba(255,255,255,.6); max-width: 48ch; margin: 0 auto 2.3rem; }
.cta-btns { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; position: relative; }

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   CONTACT — Warm paper bg
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.contact-section { background: var(--paper); }
.contact-layout { display: grid; grid-template-columns: 1fr 1.5fr; gap: clamp(3rem, 6vw, 7rem); margin-top: 2.8rem; }
.contact-info { display: flex; flex-direction: column; gap: 1rem; }
.ci {
  display: flex; align-items: flex-start; gap: 1rem;
  padding: 1.2rem; border: 1px solid var(--rule); background: var(--paper); transition: all .3s;
}
.ci:hover { border-color: rgba(62,71,79,.25); background: var(--cream); }
.ci-ico { width: 38px; height: 38px; background: var(--burg); border-radius: 1px; display: flex; align-items: center; justify-content: center; font-size: .92rem; flex-shrink: 0; }
.ci h4 { font-family: var(--ui); font-size: .6rem; font-weight: 600; letter-spacing: .18em; text-transform: uppercase; color: var(--burg); margin-bottom: .22rem; }
.ci p, .ci a { font-family: var(--ui); font-size: .82rem; color: var(--charcoal); text-decoration: none; line-height: 1.5; }
.ci a:hover { color: var(--burg); }
.con-fw { background: var(--cream); border: 1px solid var(--rule); border-top: 3px solid var(--burg); padding: 2.5rem; }
.con-fw h3 { font-family: var(--display); font-size: 1.7rem; font-weight: 700; color: var(--ink); margin-bottom: .35rem; }
.con-fw > p { font-family: var(--body); font-size: .9rem; color: var(--slate); margin-bottom: 1.8rem; }
.fr { display: grid; grid-template-columns: 1fr 1fr; gap: .9rem; margin-bottom: .9rem; }
.fg { margin-bottom: .9rem; }
.fg label { display: block; font-family: var(--ui); font-size: .62rem; font-weight: 500; letter-spacing: .14em; text-transform: uppercase; color: var(--mid); margin-bottom: .35rem; }
.fg input, .fg select, .fg textarea { width: 100%; padding: .75rem .95rem; border: 1px solid var(--rule); background: var(--paper); font-family: var(--ui); font-size: .85rem; color: var(--ink); border-radius: 1px; outline: none; transition: all .3s; appearance: none; }
.fg input:focus, .fg select:focus, .fg textarea:focus { border-color: var(--burg); box-shadow: 0 0 0 3px rgba(74,124,89,.07); }
.fg textarea { height: 115px; resize: vertical; }
.f-sub { width: 100%; padding: .9rem; background: var(--burg); color: #fff; font-family: var(--ui); font-size: .72rem; font-weight: 500; letter-spacing: .14em; text-transform: uppercase; border: none; border-radius: 1px; cursor: pointer; transition: background .3s; position: relative; overflow: hidden; }
.f-sub::before { content: ''; position: absolute; inset: 0; background: var(--burg-l); transform: translateX(-101%); transition: transform .4s var(--ease-reveal); }
.f-sub:hover::before { transform: translateX(0); }
.f-sub span { position: relative; z-index: 1; }

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   FOOTER
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
footer { background: var(--burg); }
.ft-top { display: grid; grid-template-columns: 2.2fr 1fr 1fr 1fr; gap: 4rem; padding: 5rem var(--pad) 4rem; border-bottom: 1px solid rgba(250,246,240,.07); max-width: var(--max); margin: 0 auto; }
.f-brand-name { font-family: var(--display); font-size: 1.4rem; font-weight: 900; color: var(--peach); letter-spacing: -.01em; margin-bottom: .15rem; }
.f-brand-sub { font-family: var(--ui); font-size: .6rem; letter-spacing: .18em; text-transform: uppercase; color: rgba(252,208,175,.32); margin-bottom: 1.1rem; }
.f-brand p { font-family: var(--body); font-size: .86rem; color: rgba(250,246,240,.32); line-height: 1.7; max-width: 28ch; margin-bottom: 1.4rem; }
.f-soc { display: flex; gap: .6rem; }
.f-sl { width: 33px; height: 33px; border: 1px solid rgba(250,246,240,.1); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: rgba(250,246,240,.38); font-size: .76rem; text-decoration: none; transition: all .3s; }
.f-sl:hover { border-color: var(--peach); color: var(--peach); }
.f-col h4 { font-family: var(--ui); font-size: .6rem; font-weight: 600; letter-spacing: .2em; text-transform: uppercase; color: var(--peach); margin-bottom: 1.1rem; }
.f-col li { margin-bottom: .55rem; }
.f-col a { font-family: var(--ui); font-size: .8rem; color: rgba(250,246,240,.38); text-decoration: none; transition: color .2s; }
.f-col a:hover { color: var(--peach); }
.ft-bot { max-width: var(--max); margin: 0 auto; padding: 1.4rem var(--pad); display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 1rem; }
.ft-bot p { font-family: var(--ui); font-size: .7rem; color: rgba(250,246,240,.2); }
.ft-leg { display: flex; gap: 1.5rem; }
.ft-leg a { font-family: var(--ui); font-size: .7rem; color: rgba(250,246,240,.2); text-decoration: none; transition: color .2s; }
.ft-leg a:hover { color: rgba(252,208,175,.5); }

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   FLOATERS
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
#wa-btn { position: fixed; bottom: 1.8rem; right: 1.8rem; width: 50px; height: 50px; background: #25D366; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 1.35rem; z-index: 500; text-decoration: none; box-shadow: 0 6px 22px rgba(37,211,102,.3); transition: all .3s; }
#wa-btn:hover { transform: scale(1.08); box-shadow: 0 10px 32px rgba(37,211,102,.4); }
#top-btn { position: fixed; bottom: 4.8rem; right: 1.8rem; width: 42px; height: 42px; background: var(--burg); border: none; border-radius: 50%; color: #fff; font-size: 1rem; z-index: 500; cursor: pointer; box-shadow: 0 4px 16px rgba(62,71,79,.25); opacity: 0; visibility: hidden; transition: all .3s; }
#top-btn.show { opacity: 1; visibility: visible; }
#top-btn:hover { background: var(--burg-l); transform: translateY(-2px); }

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   ENHANCED MOTION & CINEMATIC LAYER
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */

/* Scrolling services marquee strip */
.svc-marquee {
  background: var(--cream-d);
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
  padding: .9rem 0;
  overflow: hidden;
}
.svc-marquee-track {
  display: flex;
  animation: mqScroll 28s linear infinite;
  white-space: nowrap;
}
.svc-marquee-track:hover { animation-play-state: paused; }
.mq-item {
  display: flex; align-items: center; gap: 2rem; padding: 0 2.5rem;
  font-family: var(--display); font-size: 1rem; font-weight: 600;
  color: var(--charcoal); flex-shrink: 0; opacity: .65;
  transition: opacity .2s;
}
.mq-item:hover { opacity: 1; }
.mq-sep { color: var(--burg); font-size: .55rem; opacity: .6; }
@keyframes mqScroll { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* Hero animated gradient accent line */
.hero-accent-line {
  position: absolute; bottom: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, transparent, var(--burg), var(--maroon), transparent);
  animation: accentPulse 4s ease-in-out infinite;
}
@keyframes accentPulse {
  0%, 100% { opacity: .4; }
  50% { opacity: 1; }
}

/* Enhanced service card hover with lift */
.svc-card {
  box-shadow: 0 1px 0 0 var(--rule);
}
.svc-card:hover {
  box-shadow: 0 8px 32px rgba(62,71,79,.08), 0 1px 0 0 var(--rule);
  z-index: 1;
  transform: translateY(-1px);
}

/* Process section: border-top animated highlight */
.proc::before {
  content: ''; position: absolute; top: -2px; left: 0; right: 0; height: 3px;
  background: var(--burg); transform: scaleX(0); transform-origin: left;
  transition: transform .45s var(--ease-reveal);
}
.proc:hover::before { transform: scaleX(1); }
.proc { position: relative; }

/* Cinematic hero text scramble placeholder — pure CSS shimmer on load */
.hero-h1 {
  position: relative;
}
.hero-h1::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, transparent 40%, rgba(252,208,175,.06) 50%, transparent 60%);
  animation: shimmer 3s 2s ease forwards;
  pointer-events: none;
}
@keyframes shimmer {
  0% { transform: translateX(-100%); opacity: 1; }
  100% { transform: translateX(300%); opacity: 0; }
}

/* Staggered section reveal refinement */
.svc-grid .svc-card:nth-child(1) { transition-delay: .05s; }
.svc-grid .svc-card:nth-child(2) { transition-delay: .1s; }
.svc-grid .svc-card:nth-child(3) { transition-delay: .15s; }
.svc-grid .svc-card:nth-child(4) { transition-delay: .2s; }
.svc-grid .svc-card:nth-child(5) { transition-delay: .08s; }
.svc-grid .svc-card:nth-child(6) { transition-delay: .12s; }
.svc-grid .svc-card:nth-child(7) { transition-delay: .16s; }
.svc-grid .svc-card:nth-child(8) { transition-delay: .2s; }
.svc-grid .svc-card:nth-child(9) { transition-delay: .1s; }

/* Stats band counter animation */
.st-num { transition: color .3s; }
.st-item:hover .st-num { color: var(--burg-l); }

/* Testimonial card premium hover lift */
.test-card {
  position: relative;
  transition: background .3s, transform .3s var(--ease-reveal);
}
.test-card:hover { transform: translateY(-3px); }

/* Resource card: subtle lift */
.res-card {
  transition: background .3s, transform .3s var(--ease-reveal), box-shadow .3s;
}
.res-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 32px rgba(62,71,79,.06);
}

/* Package card: premium shadow lift */
.pkg:hover {
  box-shadow: 0 20px 60px rgba(17,24,39,.12), 0 4px 12px rgba(62,71,79,.08);
}

/* Info card: subtle hover */
.info-card {
  transition: box-shadow .3s, transform .3s var(--ease-reveal), border-color .3s;
}
.info-card:hover {
  border-color: rgba(74,124,89,.22);
}

/* Global features: refined hover */
.g-feat {
  transition: background .3s, border-color .3s, transform .25s var(--ease-reveal);
}
.g-feat:hover { transform: translateY(-2px); }

/* Scrollbar styling */
::-webkit-scrollbar { width: 6px; height: 6px; }
::-webkit-scrollbar-track { background: var(--cream); }
::-webkit-scrollbar-thumb { background: var(--rule); border-radius: 3px; }
::-webkit-scrollbar-thumb:hover { background: var(--burg); }

/* Selection color */
::selection { background: rgba(62,71,79,.15); color: var(--burg); }

/* Smooth nav active underline on scroll */
.nav-a.active { color: var(--burg); font-weight: 600; }
.nav-a.active::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0; height: 2px;
  background: var(--burg);
}
.nav-a { position: relative; }

/* About section burg accent */
.about-burg-accent {
  background: var(--burg);
  padding: 2.5rem 2rem;
  margin-top: 2.5rem;
}
.aba-num { font-family: var(--display); font-size: 3.2rem; font-weight: 900; color: #fff; line-height: 1; margin-bottom: .35rem; }
.aba-lbl { font-family: var(--ui); font-size: .6rem; letter-spacing: .16em; text-transform: uppercase; color: rgba(255,255,255,.5); margin-bottom: 1rem; }
.aba-txt { font-family: var(--body); font-size: .86rem; line-height: 1.65; color: rgba(255,255,255,.6); }

/* Insights featured: parallax-ready image tint */
.ins-img {
  transition: filter .4s;
}
.ins-feat:hover .ins-img { filter: brightness(1.1); }

/* Mobile menu hamburger animation */
.hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(4.5px, 4.5px); }
.hamburger.open span:nth-child(2) { opacity: 0; transform: translateX(-8px); }
.hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(4.5px, -4.5px); }

/* Contact form: focused label color */
.fg:focus-within label { color: var(--burg); }

/* Burgundy rule used as section splitter */
.burg-hr { height: 2px; background: var(--burg); opacity: .15; }

/* Premium quote styling in testimonials */
.test-q { user-select: none; }

/* Table row highlight for high rate */
.t-tbl tr:last-child td.r { color: var(--maroon); }

/* Pill/chip for resources */
.res-cat { transition: background .2s, color .2s; }
.res-card:hover .res-cat { background: rgba(62,71,79,.14); }

/* Global: ink bg subtle texture */
.global-section::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse 80% 60% at 60% 30%, rgba(62,71,79,.12) 0%, transparent 60%);
  pointer-events: none;
}
.global-section { position: relative; }

/* Subtle hero content fade-in orchestration */
@keyframes heroReveal {
  0% { opacity: 0; transform: translateY(32px); clip-path: inset(0 0 100% 0); }
  60% { clip-path: inset(0 0 0% 0); }
  100% { opacity: 1; transform: translateY(0); }
}

/* CTA section pattern */
.cta-section::after {
  content: '';
  position: absolute; inset: 0;
  background: repeating-linear-gradient(-45deg, rgba(255,255,255,.018) 0px, rgba(255,255,255,.018) 1px, transparent 1px, transparent 48px);
  pointer-events: none; z-index: 0;
}
.cta-section > * { position: relative; z-index: 1; }

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   SCROLLING SERVICES MARQUEE
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.svc-marquee {
  background: var(--cream-d);
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
  padding: .85rem 0; overflow: hidden;
}
.svc-marquee-track {
  display: flex;
  animation: mqScroll 30s linear infinite;
  white-space: nowrap;
}
.svc-marquee-track:hover { animation-play-state: paused; }
.mq-item {
  display: flex; align-items: center; gap: 2rem;
  padding: 0 2.5rem;
  font-family: var(--display); font-size: .95rem; font-weight: 600;
  color: var(--charcoal); flex-shrink: 0; letter-spacing: .01em;
}
.mq-sep { color: var(--burg); opacity: .5; font-size: .5rem; }
@keyframes mqScroll { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   ENHANCED HOVER / MOTION DETAILS
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.svc-card { transition: background .32s, transform .32s var(--ease-reveal), box-shadow .32s; }
.svc-card:hover { transform: translateY(-2px); box-shadow: 0 8px 36px rgba(62,71,79,.09); z-index: 1; }
.proc { position: relative; overflow: hidden; }
.proc::after { content: ''; position: absolute; top: -2px; left: 0; right: 0; height: 3px; background: var(--burg); transform: scaleX(0); transform-origin: left; transition: transform .42s var(--ease-reveal); }
.proc:hover::after { transform: scaleX(1); }
.test-card { transition: background .3s, transform .3s var(--ease-reveal); }
.test-card:hover { transform: translateY(-3px); }
.g-feat { transition: background .28s, border-color .28s, transform .28s var(--ease-reveal); }
.g-feat:hover { transform: translateY(-2px); }
.res-card { transition: background .3s, transform .3s var(--ease-reveal), box-shadow .3s; }
.res-card:hover { transform: translateY(-2px); box-shadow: 0 8px 28px rgba(74,124,89,.07); }
.pkg { transition: box-shadow .35s, transform .35s var(--ease-reveal); }
.pkg:hover { box-shadow: 0 20px 60px rgba(17,24,39,.12); transform: translateY(-4px); }
.pillar { transition: padding-left .3s var(--ease-reveal), background .2s; }
.pillar:hover { padding-left: .7rem; }
.info-card { transition: box-shadow .3s, transform .3s var(--ease-reveal), border-color .3s; }
.info-card:hover { border-color: rgba(62,71,79,.25); }
.ci { transition: border-color .28s, background .28s, transform .28s var(--ease-reveal); }
.ci:hover { transform: translateX(4px); }

/* Card number: ghost watermark */
.svc-n { user-select: none; pointer-events: none; }
.svc-grid .svc-card:nth-child(1){transition-delay:.04s} .svc-grid .svc-card:nth-child(2){transition-delay:.08s} .svc-grid .svc-card:nth-child(3){transition-delay:.12s} .svc-grid .svc-card:nth-child(4){transition-delay:.06s} .svc-grid .svc-card:nth-child(5){transition-delay:.1s} .svc-grid .svc-card:nth-child(6){transition-delay:.14s} .svc-grid .svc-card:nth-child(7){transition-delay:.08s} .svc-grid .svc-card:nth-child(8){transition-delay:.12s} .svc-grid .svc-card:nth-child(9){transition-delay:.16s}

/* Custom scrollbar */
::-webkit-scrollbar { width: 5px; height: 5px; }
::-webkit-scrollbar-track { background: var(--cream); }
::-webkit-scrollbar-thumb { background: var(--rule); border-radius: 3px; }
::-webkit-scrollbar-thumb:hover { background: var(--burg); }
::selection { background: rgba(62,71,79,.14); color: var(--burg); }

/* Nav active state */
.nav-a { position: relative; }

/* Hamburger open animation */
.hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(4.5px, 4.5px); }
.hamburger.open span:nth-child(2) { opacity: 0; transform: translateX(-8px); }
.hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(4.5px, -4.5px); }

/* Focus state */
.fg:focus-within label { color: var(--burg); }
.fg input:focus, .fg select:focus, .fg textarea:focus { border-color: var(--burg); box-shadow: 0 0 0 3px rgba(62,71,79,.07); background: var(--paper); }


/* Table highlights */
.t-tbl tr:last-child td.r { color: var(--maroon); }
.t-tbl tr:hover td { background: var(--cream); }
.res-cat { transition: background .2s; }
.res-card:hover .res-cat { background: rgba(62,71,79,.14); }
.st-num { transition: color .3s; }
.st-item:hover .st-num { color: var(--burg-l); }

/* Stagger for info cards */

/* Ins sidebar hover */
.ins-mini { transition: background .28s; }
.ins-feat { cursor: default; }
.ins-img { transition: filter .4s; }
.ins-feat:hover .ins-img { filter: brightness(1.08); }

/* About accent block */
.about-burg-accent {
  background: var(--burg); padding: 2.5rem 2rem; margin-top: 2.5rem;
}
.aba-num { font-family: var(--display); font-size: 3rem; font-weight: 900; color: #fff; line-height: 1; margin-bottom: .3rem; }
.aba-lbl { font-family: var(--ui); font-size: .6rem; letter-spacing: .16em; text-transform: uppercase; color: rgba(255,255,255,.48); margin-bottom: 1rem; }
.aba-txt { font-family: var(--body); font-size: .84rem; line-height: 1.65; color: rgba(255,255,255,.58); }

/* Global section before overlay */
.global-section { position: relative; }
.global-section::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 80% 60% at 60% 30%, rgba(74,124,89,.1) 0%, transparent 60%);
  pointer-events: none;
}

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   SECTION HEADER UTILITY
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.sect-hd { display: flex; justify-content: space-between; align-items: flex-end; flex-wrap: wrap; gap: 1.5rem; padding-bottom: 2rem; border-bottom: 1px solid var(--rule); margin-bottom: 2.5rem; }
.sect-hd-alt { padding-bottom: 2rem; border-bottom: 2px solid var(--ink); margin-bottom: 0; }


/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   CONSULTATION CTA BUTTON
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.btn-consult {
  background: #63444B;
  color: #fff;
}
.btn-consult:hover {
  background: #7d5660;
  transform: translateY(-1px);
  box-shadow: 0 4px 18px rgba(99,68,75,.35);
}

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   FOOTER — IMPROVED CONTRAST
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.f-brand-sub { color: rgba(252,208,175,.55) !important; }
.f-brand p   { color: rgba(250,246,240,.52) !important; }
.f-col a     { color: rgba(250,246,240,.6)  !important; }
.f-col a:hover { color: var(--peach) !important; }
.f-sl        { color: rgba(250,246,240,.55) !important; border-color: rgba(250,246,240,.18) !important; }
.f-sl:hover  { border-color: var(--peach) !important; color: var(--peach) !important; }
.ft-bot p    { color: rgba(250,246,240,.38) !important; }
.ft-leg a    { color: rgba(250,246,240,.38) !important; }
.ft-leg a:hover { color: rgba(252,208,175,.65) !important; }
.f-col h4    {
  color: var(--peach) !important;
  font-size: .65rem !important;
  letter-spacing: .18em !important;
  margin-bottom: 1.3rem !important;
  border-bottom: 1px solid rgba(252,208,175,.15);
  padding-bottom: .55rem;
}

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   RESPONSIVE
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
@media (max-width: 1100px) {
  .svc-grid { grid-template-columns: repeat(2, 1fr); }
  .svc-card { }
  .svc-card:nth-child(2n) { border-right: none; }
  .info-grid { grid-template-columns: repeat(2, 1fr); }
  .hero-inner { grid-template-columns: 1fr; }
  .hero-panel { display: none; }
  .global-layout { grid-template-columns: 1fr; }
  .tax-grid { grid-template-columns: 1fr; }
  .ft-top { grid-template-columns: 1fr 1fr; gap: 2.5rem; }
  .ins-layout { grid-template-columns: 1fr; }
  .ins-sidebar { flex-direction: row; }
  .ins-mini { border-right: 1px solid var(--rule); border-bottom: none; }
  .ins-mini:last-child { border-right: none; }
  .about-layout { grid-template-columns: 1fr; }
  .about-divider { display: none; }
  .faq-layout { grid-template-columns: 1fr; }
  .faq-intro { position: static; }
  .stats-inner { grid-template-columns: repeat(2, 1fr); }
  .st-item { border-bottom: 1px solid var(--rule); }
  .bs-inner { flex-direction: column; }
  .bs-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,.1); }
  .bs-item:last-child { border-bottom: none; }
  .hero-ribbon { grid-template-columns: 1fr 1fr; }
  .ribbon-item:nth-child(2) { border-right: none; }
}
@media (max-width: 800px) {
  .nav-links, .nav-acts { display: none; }
  .hamburger { display: flex; }
  .nav-top { display: none; }
  .hero { padding-top: 62px; }
  .svc-grid { grid-template-columns: 1fr; }
  .svc-card { border-right: none !important; }
  .svc-card.feat { grid-column: span 1; }
  .pkg-grid { grid-template-columns: 1fr; }
  .proc-grid { grid-template-columns: repeat(2, 1fr); }
  .test-grid { grid-template-columns: 1fr; }
  .test-card { border-right: none; border-bottom: 1px solid rgba(250,246,240,.07); }
  .test-card:last-child { border-bottom: none; }
  .info-grid { grid-template-columns: 1fr; }
  .res-grid { grid-template-columns: 1fr; }
  .res-card { border-right: none !important; }
  .contact-layout { grid-template-columns: 1fr; }
  .ft-top { grid-template-columns: 1fr; gap: 2rem; }
  .ins-sidebar { flex-direction: column; }
  .ins-mini { border-right: none; border-bottom: 1px solid var(--rule); }
  .hero-ribbon { grid-template-columns: 1fr; }
  .ribbon-item { border-right: none; border-bottom: 1px solid var(--rule); }
  .ribbon-item:last-child { border-bottom: none; }
  /* cursor rules removed */
  .fr { grid-template-columns: 1fr; }
}
@media (max-width: 500px) {
  .proc-grid { grid-template-columns: 1fr; }
  .global-features { grid-template-columns: 1fr; }
  .stats-inner { grid-template-columns: 1fr; }
  .st-item { border-right: none; }
}

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   FT.COM TYPOGRAPHY POLISH
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */

/* Cormorant Garamond = Financier Display equivalent for hero/display text */
.h1, .h2, .hero-h1, .about-lead, .cta-section h2,
.panel-card .h2, .f-brand-name {
  font-family: var(--display);
}

/* Playfair Display = Tiempos Headline equivalent for subheads & cards */
.h3, .h4, .svc-card h3, .about-pillars .pillar-h,
.ins-body h2, .ins-mini h4, .res-card h3,
.test-card .test-q, .proc h4, .fq-q h4,
.tax-head h3, .info-head h3, .pkg-name,
.pkg-head .pkg-name {
  font-family: var(--serif);
}

/* Libre Baskerville = body editorial text */
.body-lg, .body-sm, .about-sub, .hero-dek,
.svc-card > p, .pillar-p, .proc p, .test-txt,
.ins-body p, .ins-mini p, .res-card p, .fq-a p,
.cta-section p, .con-fw > p, .f-brand p,
.pkg-desc, .g-feat p, .global-layout .body-lg {
  font-family: var(--body);
  letter-spacing: .008em;
}

/* DM Sans = UI elements, labels, menus, numbers */
.eyebrow, .svc-cat, .nt-left, .nt-right a,
.nav-a, .n-btn, .btn, .svc-lnk, .res-lnk, .ins-cta,
.svc-list li, .info-li li, .pkg-list li,
.rib-lbl, .rib-val, .pc-item a, .ci h4, .ci p, .ci a,
.fg label, .fg input, .fg select, .fg textarea,
.t-tbl th, .t-tbl td, .st-tbl th, .st-tbl td,
.st-num, .st-lbl, .p-stat-l, .tick-item,
.nl-lbl, .test-au .t-name, .test-au .t-role,
.ins-meta span, .f-col a, .ft-bot p, .ft-leg a,
.mob-close, .sf-btn, .pkg-tab, .l-sub {
  font-family: var(--ui);
}

/* Logo weight and sizing */
.logo-sk { font-family: var(--display); font-size: 2.1rem; font-weight: 700; letter-spacing: -.03em; }
.logo-full { font-family: var(--ui); font-size: .72rem; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--charcoal); }
.f-brand-name { font-family: var(--display); font-size: 1.5rem; font-weight: 700; letter-spacing: -.02em; }

/* Headline tracking refinement */
.h1 { letter-spacing: -.045em; }
.h2 { letter-spacing: -.03em; }
.h3 { letter-spacing: -.02em; }
.hero-h1 { letter-spacing: -.045em; }

/* P stat numbers use display font */
.p-stat-n { font-family: var(--display); font-weight: 700; }
.st-num { font-family: var(--display); font-weight: 700; }
.aba-num { font-family: var(--display); font-weight: 700; }

/* Print styles */
@media print {
  #nav, #wa-btn, #top-btn, #pgbar,
  .ticker-band, .burg-strip, .svc-marquee { display: none !important; }
  body { cursor: auto; color: #000; background: #fff; }
  .hero { min-height: auto; padding: 2rem; background: #fff !important; }
  .hero-h1, .about-lead { color: #000 !important; }
  .btn { border: 1px solid #000 !important; color: #000 !important; background: transparent !important; }
  a[href]::after { content: " (" attr(href) ")"; font-size: .75rem; color: #7A8A94; }
}

/* High contrast / accessibility */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
  .tick-track, .svc-marquee-track, .intro-band-track { animation: none !important; }
}

/* Dark mode — FT doesn't have one, we stay warm */
@media (prefers-color-scheme: dark) {
  /* Intentionally not implementing — FT stays warm editorial */
}

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   DETAILED SERVICES PAGE
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.ds-service {
  padding: 4rem 0;
}
.ds-header {
  display: flex; align-items: flex-start; gap: 1.5rem;
  margin-bottom: 2rem; flex-wrap: wrap;
}
.ds-num {
  font-family: var(--display); font-size: 1rem; font-weight: 700;
  color: var(--burg); background: rgba(62,71,79,.08);
  padding: .4rem .7rem; border-radius: 2px; flex-shrink: 0;
  line-height: 1; margin-top: .2rem;
}
.ds-icon {
  font-size: 2.4rem; flex-shrink: 0; line-height: 1;
}
.ds-cat {
  font-family: var(--ui); font-size: .62rem; font-weight: 600;
  letter-spacing: .2em; text-transform: uppercase; color: var(--burg); margin-bottom: .45rem;
}

.ds-intro {
  font-family: var(--body); font-size: .97rem; line-height: 1.82;
  color: var(--slate); margin-bottom: 2.5rem;
  max-width: 88ch;
  padding-left: calc(1rem + 1.5rem + 2.4rem + 1.5rem + 1.5rem); /* align with content after icons */
}
.ds-sub-grid {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 0;
  border: 1px solid var(--rule); border-radius: 2px; overflow: hidden;
}
.ds-sub {
  padding: 2rem; border-right: 1px solid var(--rule); border-bottom: 1px solid var(--rule);
  background: var(--paper); transition: background .3s;
}
.ds-sub:nth-child(2n) { border-right: none; }
.ds-sub:nth-last-child(-n+2) { border-bottom: none; }
.ds-sub:hover { background: var(--cream); }
.ds-sub-title {
  font-family: var(--serif); font-size: 1.05rem; font-weight: 700;
  color: var(--ink); margin-bottom: .8rem; line-height: 1.2; letter-spacing: -.01em;
}
.ds-sub p {
  font-family: var(--body); font-size: .88rem; line-height: 1.75;
  color: var(--slate); margin-bottom: 1rem;
}
.ds-tags {
  display: flex; flex-wrap: wrap; gap: .28rem;
}
.ds-divider {
  height: 1px; background: var(--rule);
  margin: 0;
}

/* Responsive */
@media (max-width: 900px) {
  .ds-sub-grid { grid-template-columns: 1fr; }
  .ds-sub { border-right: none !important; }
  .ds-sub:nth-last-child(-n+2) { border-bottom: 1px solid var(--rule); }
  .ds-sub:last-child { border-bottom: none; }
  .ds-header { flex-direction: column; gap: 1rem; }
  .ds-header .btn { margin-left: 0 !important; }
  .ds-intro { padding-left: 0; }
  #services-detail [style*="grid-template-columns:1fr 1fr"] { grid-template-columns: 1fr !important; }
}


/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   2. FOOTER — CONTACT INFO HIERARCHY
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.f-contact-block {
  margin-top: 1.4rem;
  border-top: 1px solid rgba(252,208,175,.12);
  padding-top: 1.2rem;
  display: flex; flex-direction: column; gap: .55rem;
}
.f-contact-item {
  display: flex; align-items: center; gap: .6rem;
}
.f-contact-item a {
  font-family: var(--ui) !important;
  font-size: .84rem !important;
  font-weight: 600 !important;
  color: rgba(252,208,175,.88) !important;
  text-decoration: none;
  transition: color .2s;
  letter-spacing: 0 !important;
  text-transform: none !important;
}
.f-contact-item a:hover { color: #fff !important; }
.f-contact-item .f-ci-icon {
  width: 24px; height: 24px;
  background: rgba(252,208,175,.1);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: .72rem; flex-shrink: 0;
  color: var(--peach);
}
.f-contact-label {
  font-family: var(--ui);
  font-size: .56rem; font-weight: 600;
  letter-spacing: .18em; text-transform: uppercase;
  color: rgba(252,208,175,.4);
  margin-bottom: .1rem;
}

/* Demote regular col links slightly to create hierarchy */
.f-col ul li a {
  font-size: .78rem !important;
  color: rgba(250,246,240,.55) !important;
}
.ft-bot { border-top: 1px solid rgba(255,255,255,.06); }

/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   3. CTA COLOR SYSTEM — #63444B everywhere
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.btn-consult,
.qq-btn,
.f-sub {
  background: #63444B !important;
  color: #fff !important;
}
.btn-consult:hover { background: #7d5660 !important; }
.qq-btn:hover {
  background: #7d5660 !important;
  box-shadow: 0 6px 24px rgba(99,68,75,.35) !important;
  transform: translateY(-1px) !important;
}
.f-sub::before { background: #7d5660 !important; }

/* Form focus ring — CTA colour */
.fg input:focus,
.fg select:focus,
.fg textarea:focus {
  border-color: #63444B !important;
  box-shadow: 0 0 0 3px rgba(99,68,75,.12) !important;
}

/* qq-sel focus */
.qq-sel:focus { border-color: rgba(252,208,175,.55) !important; }


/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   SALES TAX EXEMPT CATEGORIES
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.exempt-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.2rem;
  margin-bottom: 1rem;
}
@media (max-width: 900px) { .exempt-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .exempt-grid { grid-template-columns: 1fr; } }
.exempt-card {
  background: var(--paper);
  border: 1px solid var(--rule);
  padding: 1.5rem;
  display: flex;
  flex-direction: column;
  gap: .7rem;
  transition: border-color .2s, transform .2s;
}
.exempt-card:hover {
  border-color: #63444B;
  transform: translateY(-2px);
}
.exempt-icon { width: 32px; height: 32px; }
.exempt-card h4 {
  font-family: var(--serif);
  font-size: .98rem;
  font-weight: 700;
  color: var(--ink);
  line-height: 1.2;
}
.exempt-card p {
  font-family: var(--body);
  font-size: .82rem;
  color: var(--slate);
  line-height: 1.65;
  flex: 1;
}
.exempt-states {
  font-family: var(--ui);
  font-size: .68rem;
  color: var(--mid);
  line-height: 1.5;
  padding-top: .6rem;
  border-top: 1px solid var(--rule-lt);
}
.exempt-states strong { color: #3E474F; }


/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   ARTICLE GRID
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */
.art-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border: 1px solid var(--rule);
}
@media (max-width: 1000px) { .art-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 580px)  { .art-grid { grid-template-columns: 1fr; } }

.art-card {
  padding: 1.5rem 1.4rem;
  border-right: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
  background: var(--paper);
  display: flex; flex-direction: column; gap: .55rem;
  transition: background .22s, transform .22s var(--ease-reveal, ease);
}
.art-card:hover {
  background: var(--cream);
  transform: translateY(-2px);
}
.art-card:nth-child(4n) { border-right: none; }
@media (max-width: 1000px) {
  .art-card:nth-child(2n) { border-right: none; }
  .art-card:nth-child(4n) { border-right: 1px solid var(--rule); }
}
.art-tag {
  font-family: var(--ui); font-size: .56rem; font-weight: 700;
  letter-spacing: .14em; text-transform: uppercase;
  padding: .16rem .5rem; display: inline-block; width: fit-content;
  border-radius: 1px;
}
.art-title {
  font-family: var(--serif); font-size: .95rem; font-weight: 700;
  color: var(--ink); line-height: 1.3; letter-spacing: -.01em;
}
.art-excerpt {
  font-family: var(--body); font-size: .8rem;
  color: var(--slate); line-height: 1.65; flex: 1;
}
.art-more {
  font-family: var(--ui); font-size: .67rem; font-weight: 700;
  letter-spacing: .08em; text-transform: uppercase;
  color: #63444B; text-decoration: none;
  transition: gap .2s, color .2s;
  display: inline-flex; align-items: center; gap: .3rem;
  margin-top: .2rem;
}
.art-more:hover { color: var(--ink); gap: .5rem; }


.art-card-wide {
  grid-column: span 2;
}
@media (max-width: 1000px) {
  .art-card-wide { grid-column: span 1; }
}


/* ── Floating contact buttons + mobile sticky CTA (shared) ── */
#wa-btn {
  position: fixed; bottom: 1.8rem; right: 1.8rem;
  width: 52px; height: 52px;
  background: #25D366; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  z-index: 500; text-decoration: none;
  box-shadow: 0 4px 16px rgba(37,211,102,.4);
  transition: all .3s;
}
#wa-btn:hover { transform: scale(1.1); box-shadow: 0 8px 28px rgba(37,211,102,.5); }
#wa-btn::after {
  content: ''; position: absolute; inset: -4px; border-radius: 50%;
  border: 2px solid #25D366; opacity: 0;
  animation: waPulse 2.5s ease-out infinite;
}
@keyframes waPulse {
  0% { transform: scale(1); opacity: .6; }
  100% { transform: scale(1.5); opacity: 0; }
}
#top-btn {
  position: fixed; bottom: 4.8rem; right: 1.8rem;
  width: 42px; height: 42px;
  background: #3E474F; border: none; border-radius: 50%;
  color: #fff; font-size: 1rem; z-index: 500; cursor: pointer;
  box-shadow: 0 4px 16px rgba(62,71,79,.25);
  opacity: 0; visibility: hidden; transition: all .3s;
}
#top-btn.show { opacity: 1; visibility: visible; }
#top-btn:hover { background: #63444B; transform: translateY(-2px); }
#sticky-cta {
  display: none;
  position: fixed; bottom: 0; left: 0; right: 0; z-index: 600;
  background: #3E474F; padding: 1rem clamp(1.5rem,5vw,5rem);
  text-align: center; box-shadow: 0 -4px 20px rgba(62,71,79,.25);
}
#sticky-cta a {
  font-family: 'DM Sans', system-ui, sans-serif;
  font-size: .78rem; font-weight: 600;
  letter-spacing: .1em; text-transform: uppercase;
  color: #FCD0AF; text-decoration: none;
  display: inline-flex; align-items: center; gap: .5rem;
}
@media (max-width: 768px) {
  #sticky-cta { display: block; }
  #wa-btn { bottom: 5.5rem !important; }
  #top-btn { bottom: 9rem !important; }
  body { padding-bottom: 60px; }
}
@media print { #wa-btn, #top-btn, #sticky-cta { display: none !important; } }


/* ===== SK Financial brand logo ===== */
.brand-logo{ display:inline-flex; align-items:center; text-decoration:none; flex-shrink:0; transition:opacity .2s; }
.brand-logo:hover{ opacity:.85; }
.brand-logo-svg{ display:block; }
@media (max-width:768px){ .brand-logo-svg{ height:30px !important; } }

@media (max-width:768px){ .brand-logo-img{ height:28px !important; } }


/* ── Resources page layout ── */
body { padding-top: 0; }

.page-nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: var(--paper); border-bottom: 1px solid var(--rule);
  padding: 0 var(--pad); height: 64px;
  display: flex; align-items: center; justify-content: space-between;
  box-shadow: 0 1px 24px rgba(17,24,39,.07);
}
.page-nav-logo {
  font-family: var(--display); font-size: 1.6rem; font-weight: 700;
  color: var(--ink); text-decoration: none; letter-spacing: -.025em;
  display: flex; align-items: center; gap: 0;
}
.page-nav-logo-pipe {
  display: inline-block; width: 1px; height: 20px;
  background: var(--rule); margin: 0 .65rem;
}
.page-nav-logo span {
  font-family: var(--ui); font-size: .72rem; font-weight: 600;
  letter-spacing: .08em; text-transform: uppercase; color: var(--charcoal);
}
.page-nav-links {
  display: flex; gap: .25rem; align-items: center;
}
.page-nav-links a {
  font-weight: 700 !important;
  font-family: var(--ui); font-size: .76rem; font-weight: 500;
  color: var(--charcoal); padding: .45rem .9rem; border-radius: 2px;
  text-decoration: none; transition: background .2s, color .2s;
}
.page-nav-links a:hover { background: var(--cream); color: var(--burg); }
.page-nav-links a.current {
  color: var(--burg); background: var(--cream); font-weight: 600;
}
.page-nav-cta {
  background: var(--burg); color: var(--peach) !important;
  padding: .5rem 1.25rem !important; border-radius: 2px;
}
.page-nav-cta:hover { background: var(--maroon) !important; color: var(--peach) !important; }

/* Hero */
.res-page-hero {
  background: #3E474F;
  padding: clamp(4rem, 8vw, 7rem) var(--pad) clamp(3rem, 6vw, 5rem);
  position: relative; overflow: hidden;
}
.res-page-hero::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse 55% 65% at 30% 50%, rgba(62,71,79,.18) 0%, transparent 65%);
  pointer-events: none;
}
.res-page-hero-inner {
  max-width: var(--max); margin: 0 auto;
  display: grid; grid-template-columns: 1.1fr 1fr; gap: clamp(3rem, 6vw, 6rem);
  align-items: center; position: relative; z-index: 1;
}
.res-hero-eyebrow {
  font-family: var(--ui); font-size: .62rem; font-weight: 600;
  letter-spacing: .22em; text-transform: uppercase;
  color: rgba(252,208,175,.45); margin-bottom: 1.1rem;
}
.res-page-hero h1 {
  font-family: var(--display);
  font-size: clamp(2.8rem, 6vw, 5.2rem); font-weight: 700;
  line-height: 1.02; letter-spacing: -.04em; color: var(--paper);
  margin-bottom: .9rem;
}
.res-page-hero h1 em {
  font-style: normal; color: var(--peach);
}
.res-page-hero > .res-page-hero-inner > div:first-child > p {
  font-family: var(--body); font-size: .97rem; line-height: 1.78;
  color: rgba(250,246,240,.52); max-width: 48ch; margin-bottom: 2rem;
}

/* Quick index card on hero right */
.res-index-card {
  background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.09);
  border-radius: 2px; overflow: hidden;
}
.res-index-card-head {
  padding: 1rem 1.4rem;
  background: rgba(62,71,79,.35); border-bottom: 1px solid rgba(255,255,255,.09);
  font-family: var(--ui); font-size: .6rem; font-weight: 600;
  letter-spacing: .2em; text-transform: uppercase; color: rgba(252,208,175,.55);
}
.res-index-item {
  display: flex; align-items: center; gap: .9rem;
  padding: 1rem 1.4rem; border-bottom: 1px solid rgba(255,255,255,.06);
  text-decoration: none; transition: background .2s;
}
.res-index-item:last-child { border-bottom: none; }
.res-index-item:hover { background: rgba(252,208,175,.06); }
.res-index-num {
  font-family: var(--display); font-size: .72rem; font-weight: 700;
  color: var(--burg-m); flex-shrink: 0; width: 1.4rem;
}
.res-index-name {
  font-family: var(--ui); font-size: .8rem; color: rgba(250,246,240,.7);
  flex: 1; line-height: 1.3;
}
.res-index-arr { font-size: .65rem; color: rgba(252,208,175,.3); }

/* Sticky jump bar */
.res-jump {
  background: var(--cream-d); border-bottom: 1px solid var(--rule);
  position: sticky; top: 64px; z-index: 100;
  overflow-x: auto; scrollbar-width: none;
}
.res-jump::-webkit-scrollbar { display: none; }
.res-jump-inner {
  max-width: var(--max); margin: 0 auto; padding: 0 var(--pad);
  display: flex; gap: 0; white-space: nowrap;
}
.res-jump a {
  display: flex; align-items: center; gap: .45rem;
  padding: .9rem 1rem; flex-shrink: 0;
  font-family: var(--ui); font-size: .73rem; font-weight: 500;
  color: var(--charcoal); text-decoration: none;
  border-bottom: 2px solid transparent;
  transition: color .2s, border-color .2s;
}
.res-jump a:hover, .res-jump a.active { color: var(--burg); border-color: var(--burg); }

/* Page footer */
.res-page-footer {
  background: var(--burg); padding: 2.5rem var(--pad);
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 1rem;
}
.res-page-footer p {
  font-family: var(--ui); font-size: .78rem; color: rgba(250,246,240,.35);
}
.res-page-footer-links { display: flex; gap: 1.5rem; flex-wrap: wrap; }
.res-page-footer-links a {
  font-family: var(--ui); font-size: .78rem; color: rgba(252,208,175,.6);
  text-decoration: none; transition: color .2s;
}
.res-page-footer-links a:hover { color: var(--peach); }

@media (max-width: 900px) {
  .page-nav-links { display: none; }
  .res-page-hero-inner { grid-template-columns: 1fr; }
  .res-index-card { display: none; }
  body { padding-top: 64px; }
}

/* ══ MOBILE RESPONSIVE ══ */
html, body { max-width: 100%; overflow-x: hidden; }
* { word-break: break-word; }
img, video, iframe { max-width: 100%; height: auto; }
a, button { -webkit-tap-highlight-color: rgba(62,71,79,.12); }

@media (max-width: 768px) {
  body { padding-top: 58px !important; }
  .page-nav { height: 58px !important; }
  .page-nav-links { display: none !important; }
}

@media (max-width: 900px) {
  .res-page-hero-inner { grid-template-columns: 1fr !important; gap: 2rem !important; }
  .res-index-card { display: none !important; }
  .tax-grid { grid-template-columns: 1fr !important; }
  .tc { overflow-x: auto !important; }
  .tt { min-width: 480px; display: block; }
  .states-wrap, .st-wrap { overflow-x: auto !important; -webkit-overflow-scrolling: touch; }
  .st, .st-tbl { min-width: 600px !important; }
  .res-page-hero h1 { font-size: clamp(2.2rem, 8vw, 3.8rem) !important; }
  .ins-layout { grid-template-columns: 1fr !important; flex-direction: column !important; display: flex !important; }
  .ins-sidebar { flex-direction: column !important; border-top: 1px solid var(--rule) !important; }
  .ins-feat { border-right: none !important; }
}
@media (max-width: 600px) {
  .sf-btns { flex-wrap: wrap !important; gap: .35rem !important; }
  .sf-btn { font-size: .66rem !important; padding: .32rem .75rem !important; }
  .res-jump-inner { gap: 0 !important; }
  .res-jump a { padding: .7rem .8rem !important; font-size: .68rem !important; }
}
@media (max-width: 480px) {
  .res-page-footer { flex-direction: column !important; text-align: center !important; }
  .res-page-footer-links { flex-wrap: wrap !important; justify-content: center !important; gap: .75rem !important; }
}

/* ── FT-style typographic ampersand ── */
/* Used in display headings: the & renders in Cormorant Garamond
   italic which gives the same premium look as FT Financier Display */
.amp {
  font-family: var(--display);
  font-style: italic;
  font-weight: 400;
  font-size: .88em;
  letter-spacing: 0;
  color: inherit;
}

/* ── ARTICLE MODAL OVERLAY ── */
.art-overlay {
  display: none; position: fixed; inset: 0; z-index: 9999;
  background: rgba(62,71,79,.55); backdrop-filter: blur(4px);
  overflow-y: auto; padding: 2rem var(--pad);
}
.art-overlay.open {
  display: flex; justify-content: center; align-items: flex-start;
}
@keyframes artFadeIn { from { opacity:0 } to { opacity:1 } }

.art-modal {
  background: var(--paper); max-width: 760px; width: 100%;
  border: 1px solid var(--rule); border-radius: 2px;
  position: relative; margin: auto;
  box-shadow: 0 20px 60px rgba(62,71,79,.2);
}
.art-modal-head {
  padding: 2.5rem 2.5rem 1.5rem;
  border-bottom: 1px solid var(--rule-lt);
}
.art-modal-cat {
  font-family: var(--ui); font-size: .6rem; font-weight: 700;
  letter-spacing: .18em; text-transform: uppercase;
  color: #63444B; margin-bottom: .75rem;
}
.art-modal-title {
  font-family: var(--display); font-size: clamp(1.6rem,3vw,2.4rem);
  font-weight: 700; color: var(--ink);
  letter-spacing: -.03em; line-height: 1.1;
  margin-bottom: 1rem;
}
.art-modal-meta {
  font-family: var(--ui); font-size: .65rem; color: var(--mid);
  letter-spacing: .06em;
}
.art-modal-body {
  padding: 2rem 2.5rem 2.5rem;
  font-family: var(--body); font-size: .95rem;
  line-height: 1.82; color: var(--slate);
}
.art-modal-body h3 {
  font-family: var(--display); font-size: 1.2rem; font-weight: 700;
  color: var(--ink); letter-spacing: -.02em;
  margin: 2rem 0 .75rem;
}
.art-modal-body p { margin-bottom: 1.2rem; }
.art-modal-body ul {
  margin: 0 0 1.2rem 1.2rem;
  list-style: disc outside;
}
.art-modal-body ul li { margin-bottom: .45rem; }
.art-modal-body strong { color: var(--ink); font-weight: 600; }

/* Article share button */
.art-share-btn {
  display: inline-flex; align-items: center; gap: .35rem;
  background: transparent;
  border: 1px solid rgba(250,246,240,.25);
  color: rgba(250,246,240,.65);
  font-family: 'DM Sans', system-ui, sans-serif;
  font-size: .62rem; font-weight: 500;
  letter-spacing: .08em; text-transform: uppercase;
  padding: .38rem .85rem; cursor: pointer; border-radius: 1px;
  transition: border-color .2s, color .2s;
  flex-shrink: 0;
}
.art-share-btn:hover { border-color: rgba(250,246,240,.7); color: rgba(250,246,240,.95); }
.art-share-btn.copied { border-color: #4A7C59; color: #4A7C59; }
.art-modal-head-actions {
  display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: .75rem;
}
.art-modal-close {
  position: absolute; top: 1.25rem; right: 1.5rem;
  background: none; border: none; cursor: pointer;
  font-size: 1.3rem; color: var(--mid);
  width: 36px; height: 36px;
  display: flex; align-items: center; justify-content: center;
  border-radius: 2px; transition: background .2s;
}
.art-modal-close:hover { background: var(--cream); color: var(--ink); }
.art-cta-strip {
  margin: 2rem 2.5rem 0; padding: 1.5rem;
  background: var(--cream); border: 1px solid var(--rule);
  border-radius: 2px; text-align: center;
}
.art-cta-strip p {
  font-family: var(--ui); font-size: .78rem; color: var(--slate);
  margin-bottom: 1rem !important;
}
.art-cta-btn {
  display: inline-flex; align-items: center; gap: .5rem;
  background: #63444B; color: #fff;
  padding: .7rem 1.6rem;
  font-family: var(--ui); font-size: .68rem; font-weight: 600;
  letter-spacing: .1em; text-transform: uppercase;
  text-decoration: none; border-radius: 1px;
  transition: background .2s;
}
.art-cta-btn:hover { background: #4d333a; }
@media (max-width: 600px) {
  .art-modal-head, .art-modal-body { padding-left: 1.4rem; padding-right: 1.4rem; }
  .art-cta-strip { margin-left: 1.4rem; margin-right: 1.4rem; }
}