/* ===========================================================
   Kenneth Doll — Alberta Financial Planner
   Shared stylesheet for the multi-page site
   Palette: forest green + brass + ivory · serif display
   =========================================================== */
:root{
  --forest:#143a2e; --forest2:#1d5141; --forest-l:#3c7c68;
  --gold:#bd9444; --gold-d:#9c7831; --gold-l:#d9bd80;
  --cream:#f6f1e6; --cream2:#efe7d6; --paper:#fffefb;
  --ink:#1d2722; --muted:#5d6962; --line:#e3dccb; --line2:#d2c8b1;
  --maxw:1200px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,sans-serif;color:var(--ink);background:var(--paper);font-size:17px;line-height:1.65}
h1,h2,h3,h4{font-family:'Cormorant Garamond',Georgia,serif;font-weight:600;line-height:1.08;color:var(--forest);letter-spacing:.005em}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.container{max-width:var(--maxw);margin:0 auto;padding:0 28px}
.eyebrow{font-size:12.5px;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-d);font-weight:600;margin-bottom:16px;display:flex;align-items:center;gap:12px}
.eyebrow::before{content:"";width:26px;height:1px;background:var(--gold)}
.eyebrow.center{justify-content:center}
.lead{font-size:20px;color:var(--muted)}
.muted{color:var(--muted)}
.center{text-align:center}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:9px;background:var(--gold);color:#fff;padding:14px 28px;border-radius:3px;font-weight:600;font-size:15px;border:1px solid var(--gold);transition:.18s;cursor:pointer;font-family:'Inter'}
.btn:hover{background:var(--gold-d);border-color:var(--gold-d)}
.btn.dark{background:var(--forest);border-color:var(--forest)}
.btn.dark:hover{background:var(--forest2);border-color:var(--forest2)}
.btn.ghost{background:transparent;color:var(--forest);border-color:var(--forest)}
.btn.ghost:hover{background:var(--forest);color:#fff}
.btn.light{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}
.btn.light:hover{background:#fff;color:var(--forest)}

/* ---------- top utility bar ---------- */
.utility{background:var(--forest);color:#cfe0d8;font-size:13px}
.utility .container{display:flex;justify-content:space-between;align-items:center;height:40px;gap:16px;flex-wrap:wrap}
.utility a{color:#e7efe9}
.utility .u-left span{margin-right:20px;display:inline-flex;align-items:center;gap:7px}
.utility .u-right{color:var(--gold-l);letter-spacing:.08em;font-size:12px;text-transform:uppercase}

/* ---------- header / nav ---------- */
.site-header{position:sticky;top:0;z-index:60;background:rgba(255,254,251,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:82px;gap:20px}
.logo{display:flex;align-items:center;gap:14px}
.logo .mark{width:46px;height:46px;border:1.5px solid var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Cormorant Garamond';font-weight:700;color:var(--gold-d);font-size:19px;position:relative;flex:none}
.logo .mark::before{content:"";position:absolute;inset:4px;border:1px solid var(--line2);border-radius:50%}
.logo .txt{line-height:1.05}
.logo .txt b{font-family:'Cormorant Garamond';font-size:23px;font-weight:700;color:var(--forest);display:block}
.logo .txt small{font-size:10.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--muted)}
.menu{display:flex;align-items:center;gap:22px}
.menu a.nav-link{font-size:14.5px;font-weight:500;color:var(--ink);position:relative;padding:4px 0}
.menu a.nav-link:hover{color:var(--gold-d)}
.menu a.nav-link.active{color:var(--forest)}
.menu a.nav-link.active::after{content:"";position:absolute;left:0;right:0;bottom:-4px;height:2px;background:var(--gold)}
.nav-toggle{display:none;background:none;border:1px solid var(--line2);border-radius:4px;padding:9px 11px;cursor:pointer}
.nav-toggle span{display:block;width:20px;height:2px;background:var(--forest);margin:4px 0}

@media(max-width:980px){
  .menu{position:fixed;top:0;right:0;height:100vh;width:min(320px,86vw);background:var(--paper);flex-direction:column;align-items:flex-start;justify-content:flex-start;gap:6px;padding:90px 30px 30px;box-shadow:-20px 0 60px -30px rgba(20,58,46,.5);transform:translateX(100%);transition:.28s;border-left:1px solid var(--line)}
  .menu.open{transform:none}
  .menu a.nav-link{font-size:18px;padding:12px 0;width:100%;border-bottom:1px solid var(--line)}
  .menu a.nav-link.active::after{display:none}
  .menu .btn{margin-top:14px}
  .nav-toggle{display:block;z-index:70}
  .nav-backdrop{position:fixed;inset:0;background:rgba(20,30,26,.4);opacity:0;pointer-events:none;transition:.28s;z-index:50}
  .nav-backdrop.show{opacity:1;pointer-events:auto}
}

/* ---------- generic section ---------- */
section{padding:92px 0}
.section-head{max-width:720px;margin-bottom:54px}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}
.section-head h2{font-size:clamp(34px,4.6vw,52px)}
.section-head p{margin-top:16px;font-size:19px;color:var(--muted)}
.bg-cream{background:var(--cream)}
.bg-forest{background:var(--forest);color:#e7efe9}
.bg-forest h2,.bg-forest h3{color:#fff}
.bg-forest .section-head p{color:#bcd0c7}
.divider{height:1px;background:var(--line);border:0}

/* ---------- page hero (subpages) ---------- */
.page-hero{background:linear-gradient(135deg,var(--forest),var(--forest2));color:#fff;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;right:-140px;top:-140px;width:480px;height:480px;border:1px solid rgba(189,148,68,.3);border-radius:50%}
.page-hero .container{position:relative;z-index:2;padding:78px 28px}
.page-hero .eyebrow{color:var(--gold-l)}
.page-hero .eyebrow::before{background:var(--gold-l)}
.page-hero h1{color:#fff;font-size:clamp(40px,6vw,68px)}
.page-hero p{color:#c9d8d1;font-size:20px;max-width:620px;margin-top:18px}
.crumbs{font-size:13px;color:#9fc0b5;margin-bottom:22px;letter-spacing:.04em}
.crumbs a:hover{color:#fff}

/* ---------- home hero ---------- */
.hero{background:linear-gradient(135deg,var(--forest),var(--forest2));color:#fff;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;bottom:-180px;width:520px;height:520px;border:1px solid rgba(189,148,68,.25);border-radius:50%}
.hero::before{content:"";position:absolute;right:120px;top:-160px;width:320px;height:320px;border:1px solid rgba(189,148,68,.18);border-radius:50%}
.hero .container{position:relative;z-index:2;padding:104px 28px 110px;max-width:900px}
.hero .eyebrow{color:var(--gold-l)}
.hero .eyebrow::before{background:var(--gold-l)}
.hero h1{color:#fff;font-size:clamp(44px,6.6vw,82px);margin-bottom:24px}
.hero h1 em{font-style:italic;color:var(--gold-l)}
.hero p{font-size:21px;color:#cddcd4;max-width:640px;margin-bottom:36px}
.hero .actions{display:flex;gap:14px;flex-wrap:wrap}

/* trust strip */
.trust{background:var(--cream2);border-bottom:1px solid var(--line)}
.trust .container{display:flex;flex-wrap:wrap;gap:24px;justify-content:space-between;padding:30px 28px}
.trust .t{display:flex;flex-direction:column;gap:4px}
.trust .t b{font-family:'Cormorant Garamond';font-size:30px;color:var(--gold-d);font-weight:700;line-height:1}
.trust .t span{font-size:13.5px;color:var(--muted)}

/* split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.split.narrow{gap:48px}
@media(max-width:880px){.split{grid-template-columns:1fr;gap:36px}}
.portrait{aspect-ratio:4/5;border-radius:6px;background:
  repeating-linear-gradient(135deg,rgba(255,255,255,.05) 0 2px,transparent 2px 16px),
  linear-gradient(160deg,var(--forest),var(--forest2));
  position:relative;display:flex;align-items:flex-end;padding:28px;color:#fff;overflow:hidden;border:1px solid var(--line)}
.portrait::before{content:"KD";position:absolute;inset:0;display:flex;align-items:center;justify-content:center;font-family:'Cormorant Garamond';font-size:150px;font-weight:700;color:rgba(189,148,68,.28)}
.portrait img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 18%;z-index:0}
.portrait small{position:relative;font-size:12.5px;letter-spacing:.06em;color:var(--gold-l)}
.portrait.tall{aspect-ratio:3/4}
.portrait.placeholder::before{content:"+";font-size:110px;color:rgba(189,148,68,.38)}

/* cards grid */
.grid{display:grid;gap:24px}
.grid.cols-3{grid-template-columns:repeat(3,1fr)}
.grid.cols-2{grid-template-columns:repeat(2,1fr)}
.grid.cols-4{grid-template-columns:repeat(4,1fr)}
@media(max-width:980px){.grid.cols-3,.grid.cols-4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:680px){.grid.cols-2,.grid.cols-3,.grid.cols-4{grid-template-columns:1fr}}
.card{background:var(--paper);border:1px solid var(--line);border-radius:6px;padding:34px 30px;transition:.22s}
.bg-cream .card{background:var(--paper)}
.card:hover{border-color:var(--gold);transform:translateY(-4px);box-shadow:0 22px 44px -28px rgba(20,58,46,.45)}
.card .knum{font-family:'Cormorant Garamond';font-size:20px;font-weight:700;color:var(--gold-d);border-bottom:1px solid var(--line);padding-bottom:12px;margin-bottom:16px;display:flex;justify-content:space-between;align-items:baseline}
.card h3{font-size:25px;margin-bottom:10px}
.card p{font-size:15px;color:var(--muted)}
.card .more{display:inline-block;margin-top:16px;font-size:13px;font-weight:600;letter-spacing:.04em;color:var(--gold-d);text-transform:uppercase}

/* chips / lists */
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chips span{border:1px solid var(--line);background:var(--paper);color:var(--forest);padding:8px 16px;border-radius:30px;font-size:14px;font-weight:500}
.ticklist{list-style:none}
.ticklist li{position:relative;padding:11px 0 11px 30px;border-bottom:1px solid var(--line);font-size:15.5px}
.ticklist li:last-child{border-bottom:0}
.ticklist li::before{content:"";position:absolute;left:4px;top:18px;width:8px;height:8px;border-radius:50%;background:var(--gold-d)}
.bg-forest .ticklist li{border-color:rgba(255,255,255,.14)}
.bg-forest .ticklist li::before{color:var(--gold-l)}

/* services detail blocks */
.services-intro{display:grid;grid-template-columns:minmax(0,.95fr) minmax(320px,.85fr);gap:48px;align-items:start}
@media(max-width:920px){.services-intro{grid-template-columns:1fr;gap:28px}}
.services-index{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px 14px;align-content:start}
@media(max-width:620px){.services-index{grid-template-columns:1fr}}
.services-index a{display:block;padding:14px 16px;border-top:1px solid var(--line2);color:var(--forest);font-size:14px;font-weight:500;transition:.18s}
.services-index a:hover{color:var(--gold-d);padding-left:22px}
.services-detail .container{max-width:1240px}
.svc-block{border-top:1px solid var(--line2);padding:46px 0;display:grid;grid-template-columns:minmax(260px,.42fr) minmax(0,.58fr);gap:56px;align-items:start}
@media(max-width:960px){.svc-block{grid-template-columns:1fr;gap:22px}}
.svc-block .s-head{position:sticky;top:108px}
@media(max-width:960px){.svc-block .s-head{position:static}}
.svc-block .s-head .knum{font-family:'Cormorant Garamond';font-size:19px;color:var(--gold-d);font-weight:700}
.svc-block .s-head h3{font-size:32px;margin:8px 0 12px}
.svc-block .s-head p{font-size:17px;color:var(--muted);line-height:1.7;max-width:34ch}
.svc-block .s-body{display:block}
.service-panels{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px 38px;align-items:start}
@media(max-width:760px){.service-panels{grid-template-columns:1fr}}
.service-panel{padding:0;border:0;background:transparent;box-shadow:none}
.service-panel:only-child{grid-column:1/-1}
.service-panel:only-child ul{columns:2;column-gap:42px}
@media(max-width:760px){.service-panel:only-child ul{columns:1}}
.service-panel h4{font-family:'Inter';font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--forest);margin:0 0 12px}
.service-panel ul{list-style:none;margin:0}
.service-panel li{position:relative;padding:10px 0 10px 20px;font-size:15px;color:var(--ink);border-bottom:1px solid var(--line);break-inside:avoid}
.service-panel li:last-child{border-bottom:0}
.service-panel li::before{content:"-";position:absolute;left:0;color:var(--gold)}

/* fees */
.fee-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
@media(max-width:820px){.fee-grid{grid-template-columns:1fr}}
.fee{border:1px solid var(--line);border-radius:6px;padding:36px;text-align:center;background:var(--paper)}
.fee.feature{background:var(--forest);color:#fff;border-color:var(--forest)}
.fee.feature h3,.fee.feature .price{color:#fff}
.fee small{text-transform:uppercase;letter-spacing:.14em;font-size:12px;color:var(--gold-d);font-weight:600}
.fee.feature small{color:var(--gold-l)}
.fee .price{font-family:'Cormorant Garamond';font-size:48px;font-weight:700;color:var(--forest);margin:12px 0 4px}
.fee p{font-size:14px;color:var(--muted)}
.fee.feature p{color:#bcd0c7}
.fee-extra{display:flex;gap:16px;flex-wrap:wrap;justify-content:center;margin-top:24px}
.fee-extra .pill{border:1px solid var(--line);border-radius:30px;padding:10px 20px;font-size:14.5px}
.fee-extra .pill b{color:var(--forest)}

/* stats band */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line)}
@media(max-width:760px){.stats{grid-template-columns:repeat(2,1fr)}}
.stats .s{background:var(--cream);padding:34px 22px;text-align:center}
.bg-forest .stats{background:rgba(255,255,255,.14)}
.bg-forest .stats .s{background:var(--forest)}
.stats .s b{font-family:'Cormorant Garamond';font-size:46px;color:var(--gold-d);font-weight:700;display:block;line-height:1}
.bg-forest .stats .s b{color:var(--gold-l)}
.stats .s span{font-size:13px;color:var(--muted);text-transform:uppercase;letter-spacing:.08em}
.bg-forest .stats .s span{color:#bcd0c7}

/* testimonials */
.quote{background:var(--paper);border:1px solid var(--line);border-left:3px solid var(--gold);border-radius:0 6px 6px 0;padding:34px}
.quote p{font-family:'Cormorant Garamond';font-size:21px;font-style:italic;line-height:1.45;color:var(--forest);margin-bottom:16px}
.quote cite{font-style:normal;font-size:13.5px;font-weight:600;letter-spacing:.04em;color:var(--gold-d);text-transform:uppercase}
.quote.full p{font-family:'Inter';font-style:normal;font-size:16.5px;color:var(--ink);line-height:1.65;margin-bottom:14px}
.quote.full p+p{margin-top:0}
.quote.full .stars{color:var(--gold);letter-spacing:3px;margin-bottom:14px}

/* team */
.team-card{background:var(--paper);border:1px solid var(--line);border-radius:6px;overflow:hidden;transition:.22s}
.team-card:hover{border-color:var(--gold);box-shadow:0 22px 44px -28px rgba(20,58,46,.4)}
.team-card .photo{aspect-ratio:1/1;background:
  repeating-linear-gradient(135deg,rgba(255,255,255,.05) 0 2px,transparent 2px 16px),
  linear-gradient(160deg,var(--forest),var(--forest2));
  display:flex;align-items:center;justify-content:center;color:rgba(189,148,68,.4);font-family:'Cormorant Garamond';font-size:64px;font-weight:700}
.team-card .photo img{width:100%;height:100%;object-fit:cover;object-position:center 18%}
.team-card.placeholder .photo{background:var(--cream2);color:var(--line2)}
.team-card .info{padding:24px}
.team-card .info h3{font-size:24px}
.team-card .info .role{font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-d);font-weight:600;margin:4px 0 12px}
.team-card .info p{font-size:14.5px;color:var(--muted)}
.team-card .info .desig{font-family:'Inter';font-size:12px;color:var(--muted);margin-top:10px;letter-spacing:.04em}

/* contact */
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:54px;align-items:start}
@media(max-width:880px){.contact-grid{grid-template-columns:1fr;gap:36px}}
.contact-item{display:flex;gap:16px;padding:22px 0;border-bottom:1px solid var(--line)}
.contact-item .ic{width:44px;height:44px;border:1px solid var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--gold-d);flex:none}
.contact-item h4{font-family:'Inter';font-size:13px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:4px}
.contact-item a,.contact-item p{font-size:18px;color:var(--forest);font-weight:500}
form .row{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media(max-width:560px){form .row{grid-template-columns:1fr}}
form label{display:block;font-size:13px;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:var(--muted);margin:18px 0 7px}
form input,form select,form textarea{width:100%;padding:13px 15px;border:1px solid var(--line2);border-radius:4px;font-family:'Inter';font-size:15px;background:var(--paper);color:var(--ink)}
form input:focus,form select:focus,form textarea:focus{outline:none;border-color:var(--gold)}
form textarea{min-height:140px;resize:vertical}
.form-note{font-size:13px;color:var(--muted);margin-top:14px}

/* about read more */
.bio-more{margin-top:6px;border-top:1px solid var(--line);padding-top:18px}
.bio-more summary{list-style:none;cursor:pointer;font-size:14px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--forest);display:inline-flex;align-items:center;gap:10px}
.bio-more summary::-webkit-details-marker{display:none}
.bio-more summary::after{content:"+";font-size:18px;line-height:1;color:var(--gold-d)}
.bio-more[open] summary::after{content:"-"}
.bio-more__content{padding-top:22px}

/* cta band */
.cta-band{background:linear-gradient(135deg,var(--forest),var(--forest2));color:#fff;border-radius:8px;padding:74px 36px;text-align:center;position:relative;overflow:hidden}
.cta-band::after{content:"";position:absolute;left:-100px;bottom:-160px;width:380px;height:380px;border:1px solid rgba(189,148,68,.25);border-radius:50%}
.cta-band h2{color:#fff;font-size:clamp(32px,4.6vw,50px);margin-bottom:14px;position:relative}
.cta-band p{color:#c9d8d1;margin-bottom:28px;position:relative;font-size:18px}
.cta-band .actions{position:relative;display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
.cta-band a.email,.cta-band .email{color:var(--gold-l);font-weight:600}

/* footer */
.site-footer{background:var(--forest);color:#a9c4ba;padding:64px 0 30px;font-size:14.5px}
.footer-top{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.12)}
@media(max-width:880px){.footer-top{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.footer-top{grid-template-columns:1fr}}
.site-footer .logo .txt b{color:#fff}
.site-footer .logo .txt small{color:#9fc0b5}
.site-footer .logo .mark{border-color:var(--gold-l);color:var(--gold-l)}
.site-footer p.about{margin-top:16px;color:#9fc0b5;max-width:320px;font-size:14px}
.site-footer h5{font-family:'Inter';font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-l);margin-bottom:16px}
.site-footer ul{list-style:none}
.site-footer ul li{margin-bottom:10px}
.site-footer a:hover{color:#fff}
.footer-bottom{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;padding-top:24px;color:#86a99c;font-size:13px}

/* ---------- how we work / journey ---------- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;counter-reset:step}
@media(max-width:820px){.steps{grid-template-columns:1fr}}
.step{position:relative;background:var(--paper);border:1px solid var(--line);border-radius:6px;padding:34px 30px}
.step.flag{border-color:var(--gold);box-shadow:0 22px 44px -28px rgba(20,58,46,.45)}
.step .badge{width:46px;height:46px;border-radius:50%;border:1.5px solid var(--gold);color:var(--gold-d);display:flex;align-items:center;justify-content:center;font-family:'Cormorant Garamond';font-size:22px;font-weight:700;margin-bottom:18px}
.step.flag .badge{background:var(--gold);color:#fff;border-color:var(--gold)}
.step .tagk{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-d);font-weight:600;margin-bottom:8px}
.step h3{font-size:25px;margin-bottom:10px}
.step p{font-size:15px;color:var(--muted)}
.step .pin{position:absolute;top:22px;right:24px;font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-d);font-weight:600}
.steps-arrow{display:flex;align-items:center;justify-content:center;color:var(--line2);font-size:24px}

/* ---------- engagement tiers / comparison ---------- */
.tiers{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;align-items:stretch}
@media(max-width:820px){.tiers{grid-template-columns:1fr}}
.tier{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:8px;padding:34px 30px;background:var(--paper);position:relative}
.tier.feature{border-color:var(--gold);box-shadow:0 26px 50px -30px rgba(20,58,46,.5)}
.tier .ribbon{position:absolute;top:-13px;left:50%;transform:translateX(-50%);background:var(--gold);color:#fff;font-size:11px;letter-spacing:.12em;text-transform:uppercase;font-weight:600;padding:5px 16px;border-radius:30px;white-space:nowrap}
.tier .tname{font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-d);font-weight:600}
.tier .tprice{font-family:'Cormorant Garamond';font-size:40px;font-weight:700;color:var(--forest);margin:10px 0 2px;line-height:1}
.tier .tprice small{font-family:'Inter';font-size:13px;color:var(--muted);font-weight:400}
.tier .tdesc{font-size:14.5px;color:var(--muted);margin-bottom:12px;min-height:24px}
.tier .tmeta{margin-bottom:18px;padding-bottom:18px;border-bottom:1px solid var(--line)}
.tier .tmeta p{font-size:14px;color:var(--muted);line-height:1.5}
.tier .tmeta p + p{margin-top:4px}
.tier .tmeta strong{color:var(--forest);font-weight:600}
.tier ul{list-style:none;margin-bottom:24px}
.tier ul li{position:relative;padding:9px 0 9px 26px;font-size:14.5px;border-bottom:1px solid var(--line)}
.tier ul li:last-child{border-bottom:0}
.tier ul li::before{content:"✓";position:absolute;left:0;color:var(--gold-d);font-weight:700}
.tier ul li.no{color:var(--muted)}
.tier ul li.no::before{content:"–";color:var(--line2)}
.tier .btn{margin-top:auto}
.best-for{font-size:13px;color:var(--muted);margin-top:14px;font-style:italic}

/* ---------- persona entry points ---------- */
.personas{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media(max-width:820px){.personas{grid-template-columns:1fr}}
.persona{display:block;border:1px solid var(--line);border-radius:6px;padding:28px;background:var(--paper);transition:.2s}
.persona:hover{border-color:var(--gold);transform:translateY(-4px);box-shadow:0 22px 44px -28px rgba(20,58,46,.4)}
.persona h3{font-size:22px;margin-bottom:8px}
.persona p{font-size:14.5px;color:var(--muted)}
.persona .go{display:inline-block;margin-top:14px;font-size:13px;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:var(--gold-d)}

/* ---------- quiz ---------- */
.quiz{max-width:760px;margin:0 auto;background:var(--paper);border:1px solid var(--line);border-radius:10px;padding:40px}
.quiz h3{font-size:28px;margin-bottom:6px}
.quiz .q-intro{color:var(--muted);font-size:15.5px;margin-bottom:8px}
.quiz .qitem{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:18px 0;border-bottom:1px solid var(--line)}
.quiz .qitem p{font-size:16px;font-weight:500;flex:1}
.quiz .toggle{display:inline-flex;border:1px solid var(--line2);border-radius:30px;overflow:hidden;flex:none}
.quiz .toggle button{background:var(--paper);border:0;padding:9px 20px;font-family:'Inter';font-size:14px;font-weight:600;color:var(--muted);cursor:pointer;transition:.15s}
.quiz .toggle button.on[data-v="yes"]{background:var(--forest);color:#fff}
.quiz .toggle button.on[data-v="no"]{background:var(--line2);color:var(--ink)}
.quiz .q-actions{margin-top:26px;display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.quiz-result{margin-top:24px;border-radius:8px;padding:28px;display:none}
.quiz-result.show{display:block}
.quiz-result.fit{background:var(--forest);color:#fff}
.quiz-result.fit h4{color:#fff}
.quiz-result.maybe{background:var(--cream2);border:1px solid var(--line2)}
.quiz-result.light{background:var(--cream);border:1px solid var(--line)}
.quiz-result h4{font-size:24px;margin-bottom:8px}
.quiz-result p{font-size:15.5px}
.quiz-result.fit p{color:#cfe0d8}
.quiz-result .btn{margin-top:18px}
.quiz .scorebadge{font-family:'Cormorant Garamond';font-weight:700;font-size:20px}

/* ---------- rebrand placeholders ---------- */
.brand-placeholder{display:inline-flex;flex-direction:column;justify-content:center;gap:2px;min-width:190px;height:50px;padding:6px 18px;border:1.5px dashed var(--line2);border-radius:6px;background:repeating-linear-gradient(45deg,rgba(189,148,68,.06) 0 8px,transparent 8px 16px);color:var(--muted)}
.brand-placeholder b{font-family:'Inter';font-size:13px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-d);font-weight:600}
.brand-placeholder small{font-size:10.5px;letter-spacing:.08em;color:var(--muted)}
.util-placeholder{opacity:.85;font-style:italic}

/* ---------- how we work — upgraded process ---------- */
.process{position:relative;display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:14px}
.process-line{position:absolute;top:39px;left:17%;right:17%;height:2px;background:linear-gradient(90deg,var(--gold-l),var(--gold),var(--gold-l));z-index:0}
.pstep{position:relative;z-index:1;display:flex;flex-direction:column;align-items:center;text-align:center}
.pnode{width:78px;height:78px;border-radius:50%;background:var(--paper);border:2px solid var(--gold);display:flex;align-items:center;justify-content:center;color:var(--gold-d);margin-bottom:24px;box-shadow:0 14px 34px -14px rgba(20,58,46,.45);transition:.25s}
.pnode svg{width:34px;height:34px;stroke:currentColor;stroke-width:1.6;fill:none;stroke-linecap:round;stroke-linejoin:round}
.pstep.featured .pnode{background:var(--forest);border-color:var(--forest);color:var(--gold-l);transform:scale(1.06)}
.pcard{background:var(--paper);border:1px solid var(--line);border-radius:10px;padding:32px 28px;width:100%;position:relative;transition:.22s}
.pstep.featured .pcard{border-color:var(--gold);box-shadow:0 28px 54px -32px rgba(20,58,46,.55)}
.pcard:hover{transform:translateY(-5px);box-shadow:0 28px 54px -30px rgba(20,58,46,.5)}
.pcard:hover ~ .pnode,.pstep:hover .pnode{border-color:var(--gold-d)}
.pk{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-d);font-weight:600;display:block;margin-bottom:9px}
.pcard h3{font-size:25px;margin-bottom:10px}
.pcard p{font-size:14.5px;color:var(--muted)}
.ptag{position:absolute;top:-13px;left:50%;transform:translateX(-50%);background:var(--gold);color:#fff;font-size:11px;letter-spacing:.1em;text-transform:uppercase;font-weight:600;padding:5px 15px;border-radius:30px;white-space:nowrap}
@media(max-width:820px){
  .process{grid-template-columns:1fr;gap:30px}
  .process-line{left:39px;right:auto;top:40px;bottom:40px;width:2px;height:auto;background:linear-gradient(180deg,var(--gold-l),var(--gold),var(--gold-l))}
  .pstep{flex-direction:row;align-items:flex-start;text-align:left;gap:22px}
  .pnode{margin-bottom:0;flex:none}
  .pcard{flex:1}
  .ptag{left:22px;transform:none}
}

/* ---------- fee-only vs AUM calculator ---------- */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:30px;align-items:stretch;max-width:980px;margin:0 auto}
@media(max-width:780px){.calc{grid-template-columns:1fr}}
.calc-controls{background:var(--paper);border:1px solid var(--line);border-radius:10px;padding:36px;display:flex;flex-direction:column;justify-content:center}
.calc-field{margin-bottom:26px}
.calc-field:last-of-type{margin-bottom:14px}
.calc-field label{display:flex;justify-content:space-between;align-items:baseline;gap:12px;font-size:12.5px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);font-weight:600;margin-bottom:14px}
.calc-field output{font-family:'Cormorant Garamond';font-size:27px;font-weight:700;color:var(--forest);text-transform:none;letter-spacing:0}
.calc-field input[type=range]{width:100%;-webkit-appearance:none;appearance:none;height:6px;border-radius:6px;background:var(--cream2);outline:none}
.calc-field input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:22px;height:22px;border-radius:50%;background:var(--gold);border:3px solid var(--paper);box-shadow:0 2px 8px rgba(20,58,46,.4);cursor:pointer}
.calc-field input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--gold);border:3px solid var(--paper);cursor:pointer}
.calc-assume{font-size:12.5px;color:var(--muted);font-style:italic;line-height:1.5}
.calc-result{background:linear-gradient(155deg,var(--forest),var(--forest2));color:#fff;border-radius:10px;padding:40px 34px;text-align:center;display:flex;flex-direction:column;align-items:center;justify-content:center}
.calc-head{font-size:12.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-l);font-weight:600}
.calc-big{font-family:'Cormorant Garamond';font-size:clamp(48px,7vw,64px);font-weight:700;color:#fff;line-height:1;margin:10px 0 24px}
.calc-subhead{font-size:13px;color:#cddcd4;max-width:34ch;line-height:1.5;margin:-8px 0 20px}
.calc-rows{width:100%;margin-bottom:26px}
.calc-row{display:flex;justify-content:space-between;align-items:baseline;gap:14px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.14);font-size:14px;color:#cddcd4;text-align:left}
.calc-row b{color:#fff;font-family:'Cormorant Garamond';font-size:22px;white-space:nowrap}
.calc-result .btn{margin-top:2px}

/* ---------- affiliations / credentials logos ---------- */
.affil{display:grid;grid-template-columns:repeat(5,1fr);gap:20px;align-items:stretch;max-width:1040px;margin:0 auto}
@media(max-width:860px){.affil{grid-template-columns:repeat(3,1fr)}}
@media(max-width:520px){.affil{grid-template-columns:repeat(2,1fr)}}
.logo-cell{display:flex;align-items:center;justify-content:center;padding:22px;background:#fff;border:1px solid var(--line);border-radius:10px;min-height:128px;transition:.2s}
.logo-cell:hover{border-color:var(--gold);box-shadow:0 16px 34px -22px rgba(20,58,46,.4);transform:translateY(-3px)}
.logo-cell img{max-height:78px;max-width:100%;width:auto;height:auto;object-fit:contain}

/* ---------- affiliations marquee (two-row auto-scroll) ---------- */
.logo-marquee{position:relative;display:flex;flex-direction:column;gap:20px;overflow:hidden;
  -webkit-mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);
  mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent)}
.marquee-row{overflow:hidden}
.marquee-track{display:flex;gap:20px;width:max-content;animation:logo-scroll 48s linear infinite;will-change:transform}
.marquee-track.rev{animation-direction:reverse}
.logo-marquee:hover .marquee-track{animation-play-state:paused}
.logo-marquee .logo-cell{flex:0 0 190px;width:190px;min-height:104px}
@keyframes logo-scroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media(max-width:520px){.logo-marquee .logo-cell{flex-basis:150px;width:150px}}
@media(prefers-reduced-motion:reduce){.marquee-track{animation:none}}

/* concept ribbon */
.concept-ribbon{background:var(--gold);color:#fff;text-align:center;font-size:12.5px;padding:8px;letter-spacing:.04em}
.concept-ribbon a{text-decoration:underline}