/* ====================================================================
   755 Financial — shared stylesheet (Direction C: "Concierge")
   Brand: navy/teal/gold + Space Grotesk / Newsreader. Used by every page.
   ==================================================================== */
:root {
  --navy-0: #101924; --navy-1: #1B2A3D; --navy-2: #243447;
  --teal-0: #1E6A85; --teal-1: #2A7F9E; --teal-2: #4FB6D6; --teal-3: #6FCBE6;
  --gold: #E3AE4F; --gold-soft: rgba(227, 174, 79, 0.14); --gold-line: rgba(227, 174, 79, 0.32);
  --paper: #F7F8FA; --line: #D8DCE2; --muted: #8C939E;
  --ink-on-navy: #F7F8FA; --soft-on-navy: #D8DCE2;
  --maxw: 1140px; --radius: 18px; --radius-sm: 12px;
  --space: clamp(1.25rem, 4vw, 2rem);
  --shadow: 0 18px 50px -22px rgba(7, 12, 18, 0.7);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0; font-family: "Newsreader", Georgia, serif; font-size: 1.0625rem; line-height: 1.65;
  color: var(--ink-on-navy); background: var(--navy-0); -webkit-font-smoothing: antialiased; overflow-x: hidden;
}
h1, h2, h3, .wordmark, .eyebrow, .chip, .btn, nav a { font-family: "Space Grotesk", system-ui, sans-serif; }
a { color: inherit; }
img { max-width: 100%; }
.wrap { width: 100%; max-width: var(--maxw); margin-inline: auto; padding-inline: var(--space); }
.eyebrow { text-transform: uppercase; letter-spacing: 0.16em; font-size: 0.78rem; font-weight: 600; color: var(--gold); margin: 0 0 0.9rem; }

/* ---------- Buttons ---------- */
.btn { display: inline-flex; align-items: center; gap: 0.5rem; padding: 0.85rem 1.5rem; border-radius: 999px;
  font-weight: 600; font-size: 0.98rem; text-decoration: none; border: 1.5px solid transparent; cursor: pointer;
  transition: transform 0.18s ease, box-shadow 0.18s ease, background 0.18s ease, border-color 0.18s ease; }
.btn-primary { background: var(--gold); color: var(--navy-0); box-shadow: 0 12px 30px -14px rgba(227, 174, 79, 0.85); }
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 18px 36px -14px rgba(227, 174, 79, 0.95); }
.btn-ghost { background: transparent; color: var(--ink-on-navy); border-color: rgba(247, 248, 250, 0.32); }
.btn-ghost:hover { border-color: var(--gold); color: var(--gold); transform: translateY(-2px); }
.btn:focus-visible, a:focus-visible, button:focus-visible { outline: 3px solid var(--teal-3); outline-offset: 3px; }

/* ---------- Nav ---------- */
.nav { position: sticky; top: 0; z-index: 50; background: rgba(16, 25, 36, 0.86); backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(247, 248, 250, 0.08); }
.nav-inner { display: flex; align-items: center; justify-content: space-between; gap: 1rem; min-height: 72px; }
.wordmark { font-weight: 700; font-size: 1.35rem; letter-spacing: -0.01em; text-decoration: none; color: var(--ink-on-navy); }
.wordmark span { color: var(--gold); }
.nav-links { display: flex; align-items: center; gap: 1.75rem; list-style: none; margin: 0; padding: 0; }
.nav-links a { text-decoration: none; font-size: 0.95rem; font-weight: 500; color: var(--soft-on-navy); transition: color 0.16s ease; }
.nav-links a:hover, .nav-links a.active { color: var(--gold); }
/* CTA button in the nav must keep its navy-on-gold text — outrank `.nav-links a`/:hover */
.nav-links .nav-cta .btn-primary, .nav-links .nav-cta .btn-primary:hover { color: var(--navy-0); }
.nav-cta { margin-left: 0.25rem; }
.nav-toggle { display: none; background: transparent; border: 1.5px solid rgba(247, 248, 250, 0.3); border-radius: 10px;
  width: 44px; height: 44px; color: var(--ink-on-navy); cursor: pointer; align-items: center; justify-content: center; }
.nav-toggle svg { width: 22px; height: 22px; }

/* ---------- Hero (home) ---------- */
.hero { position: relative; overflow: hidden;
  background: radial-gradient(900px 520px at 78% -8%, rgba(42, 127, 158, 0.38), transparent 60%),
    radial-gradient(720px 480px at 8% 8%, rgba(227, 174, 79, 0.16), transparent 58%),
    linear-gradient(180deg, var(--navy-1) 0%, var(--navy-0) 100%);
  padding: clamp(3.5rem, 8vw, 6.5rem) 0 clamp(3rem, 7vw, 5rem); }
.hero-grid { display: grid; grid-template-columns: 1.15fr 0.85fr; gap: clamp(2rem, 5vw, 4rem); align-items: center; }
.hero h1 { font-size: clamp(2.5rem, 6.2vw, 4.25rem); line-height: 1.04; letter-spacing: -0.02em; font-weight: 700; margin: 0 0 1.25rem; }
.hero h1 .accent { color: var(--gold); }
.hero p.sub { font-size: clamp(1.1rem, 2.4vw, 1.3rem); color: var(--soft-on-navy); max-width: 36ch; margin: 0 0 1.75rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 0.85rem; margin-bottom: 2.25rem; }

/* Goal chips */
.chips-label { font-family: "Space Grotesk", sans-serif; font-size: 0.82rem; letter-spacing: 0.04em; color: var(--muted); margin: 0 0 0.75rem; }
.chips { display: flex; flex-wrap: wrap; gap: 0.65rem; margin: 0; padding: 0; list-style: none; }
.chip { display: inline-flex; align-items: center; gap: 0.5rem; padding: 0.6rem 1.05rem; border-radius: 999px;
  background: var(--gold); color: var(--navy-0); text-decoration: none; font-weight: 600; font-size: 0.92rem;
  border: 1.5px solid var(--gold); transition: transform 0.16s ease, box-shadow 0.16s ease, background 0.16s ease;
  box-shadow: 0 8px 22px -12px rgba(227, 174, 79, 0.8); }
.chip .arrow { transition: transform 0.16s ease; }
.chip:hover { transform: translateY(-2px); box-shadow: 0 14px 28px -12px rgba(227, 174, 79, 0.9); }
.chip:hover .arrow { transform: translateX(3px); }

/* Hero portrait stand-in */
.hero-portrait { position: relative; border-radius: 24px; overflow: hidden; min-height: 360px;
  border: 1px solid rgba(227, 174, 79, 0.28);
  background: radial-gradient(120% 90% at 30% 20%, rgba(227, 174, 79, 0.22), transparent 55%),
    radial-gradient(120% 120% at 80% 100%, rgba(79, 182, 214, 0.30), transparent 60%),
    linear-gradient(160deg, var(--navy-2), var(--navy-1));
  box-shadow: var(--shadow); display: grid; place-items: end stretch; }
.hero-portrait .figures { position: absolute; inset: auto 0 0 0; height: 64%; display: flex; align-items: flex-end; justify-content: center; }
.silhouette { width: 28%; aspect-ratio: 3 / 5; background: linear-gradient(180deg, rgba(247,248,250,0.16), rgba(247,248,250,0.04));
  border-radius: 60px 60px 0 0; position: relative; margin-inline: -6px; }
.silhouette::before { content: ""; position: absolute; top: -16%; left: 50%; transform: translateX(-50%); width: 46%; aspect-ratio: 1;
  border-radius: 50%; background: linear-gradient(180deg, rgba(247,248,250,0.22), rgba(247,248,250,0.08)); }
.silhouette.tall { height: 100%; } .silhouette.mid { height: 86%; } .silhouette.short { height: 78%; }
.portrait-tag { position: absolute; top: 16px; left: 16px; z-index: 2; background: rgba(16, 25, 36, 0.72);
  border: 1px solid var(--gold-line); color: var(--gold); font-family: "Space Grotesk", sans-serif; font-size: 0.72rem;
  letter-spacing: 0.06em; text-transform: uppercase; padding: 0.3rem 0.65rem; border-radius: 999px; }

/* ---------- Subpage hero (vertical hubs / contact / about) ---------- */
.subhero { position: relative; overflow: hidden;
  background: radial-gradient(820px 460px at 80% -10%, rgba(42, 127, 158, 0.34), transparent 60%),
    radial-gradient(640px 420px at 6% 4%, rgba(227, 174, 79, 0.14), transparent 58%),
    linear-gradient(180deg, var(--navy-1) 0%, var(--navy-0) 100%);
  padding: clamp(2.75rem, 6vw, 4.5rem) 0 clamp(2.5rem, 5vw, 3.5rem); }
.breadcrumb { font-family: "Space Grotesk", sans-serif; font-size: 0.85rem; color: var(--muted); margin: 0 0 1rem; }
.breadcrumb a { color: var(--soft-on-navy); text-decoration: none; } .breadcrumb a:hover { color: var(--gold); }
.subhero h1 { font-size: clamp(2.1rem, 5vw, 3.4rem); line-height: 1.06; letter-spacing: -0.02em; font-weight: 700; margin: 0 0 1rem; max-width: 20ch; }
.subhero h1 .accent { color: var(--gold); }
.subhero .goal-line { font-family: "Space Grotesk", sans-serif; font-weight: 500; color: var(--gold); font-size: clamp(1rem, 2.4vw, 1.2rem); margin: 0 0 1rem; }
.subhero p.sub { font-size: clamp(1.08rem, 2.2vw, 1.25rem); color: var(--soft-on-navy); max-width: 50ch; margin: 0 0 1.75rem; }

/* ---------- Section scaffolding ---------- */
section { padding: clamp(3.25rem, 7vw, 5.5rem) 0; }
.section-head { max-width: 52ch; margin-bottom: 2.5rem; }
.section-head h2 { font-size: clamp(1.9rem, 4.4vw, 2.85rem); line-height: 1.1; letter-spacing: -0.015em; margin: 0 0 0.85rem; font-weight: 700; }
.section-head p { margin: 0; color: var(--soft-on-navy); font-size: 1.12rem; }

/* ---------- Verticals (home goal answers) ---------- */
.verticals { background: linear-gradient(180deg, var(--navy-0), var(--navy-1)); }
.vert-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.25rem; }
.vcard { position: relative; display: block; text-decoration: none; color: inherit; background: var(--navy-2);
  border: 1px solid rgba(247, 248, 250, 0.08); border-radius: var(--radius); padding: 1.85rem 1.75rem 1.9rem;
  scroll-margin-top: 96px; transition: transform 0.2s ease, border-color 0.2s ease, box-shadow 0.2s ease; }
.vcard:hover { transform: translateY(-4px); border-color: var(--gold-line); box-shadow: var(--shadow); }
.vcard .vnum { font-family: "Space Grotesk", sans-serif; font-weight: 600; font-size: 0.8rem; letter-spacing: 0.08em; color: var(--teal-3); }
.vcard h3 { display: flex; align-items: center; flex-wrap: wrap; gap: 0.6rem; font-size: 1.45rem; margin: 0.5rem 0 0.2rem; letter-spacing: -0.01em; }
.vcard .cardlink { font-family: "Space Grotesk", sans-serif; font-size: 0.9rem; font-weight: 600; color: var(--teal-3); margin-top: 1rem; display: inline-flex; gap: 0.4rem; align-items: center; }
.vcard:hover .cardlink { color: var(--gold); }
.so-you-can { font-family: "Space Grotesk", sans-serif; font-size: 0.95rem; font-weight: 500; color: var(--gold); margin: 0.15rem 0 0.85rem; }
.vcard p.desc { margin: 0; color: var(--soft-on-navy); font-size: 1.04rem; }
.sample-tag { font-family: "Space Grotesk", sans-serif; font-size: 0.66rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--navy-0); background: var(--teal-3); padding: 0.18rem 0.5rem; border-radius: 6px; line-height: 1; }
.sample-banner { background: var(--gold-soft); border: 1px dashed var(--gold-line); border-radius: var(--radius-sm);
  padding: 0.9rem 1.15rem; margin: 0 0 1.5rem; font-family: "Space Grotesk", sans-serif; font-size: 0.92rem; color: var(--gold); }

/* ---------- Feature list (subpage "what's included") ---------- */
.feature-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.feature { background: linear-gradient(180deg, var(--navy-1), var(--navy-2)); border: 1px solid rgba(247, 248, 250, 0.08);
  border-radius: var(--radius); padding: 1.6rem 1.55rem; }
.feature .icon, .prop .icon { width: 46px; height: 46px; display: grid; place-items: center; border-radius: 12px;
  background: var(--gold-soft); border: 1px solid var(--gold-line); color: var(--gold); margin-bottom: 1.1rem; }
.feature .icon svg, .prop .icon svg { width: 24px; height: 24px; }
.feature h3 { font-size: 1.18rem; margin: 0 0 0.5rem; letter-spacing: -0.01em; }
.feature p { margin: 0; color: var(--soft-on-navy); font-size: 1.0rem; }

/* prose */
.prose { max-width: 64ch; color: var(--soft-on-navy); font-size: 1.13rem; }
.prose p { margin: 0 0 1.1rem; }

/* ---------- Cross-sell band ---------- */
.crosssell { position: relative; overflow: hidden;
  background: radial-gradient(700px 460px at 85% 0%, rgba(227, 174, 79, 0.2), transparent 60%),
    linear-gradient(150deg, var(--navy-2) 0%, var(--navy-1) 60%, var(--navy-0) 100%);
  border-top: 1px solid var(--gold-line); border-bottom: 1px solid var(--gold-line); }
.crosssell .wrap { display: grid; grid-template-columns: 1fr; gap: 1.5rem; text-align: center; place-items: center; }
.crosssell .eyebrow { color: var(--gold); }
.crosssell blockquote { margin: 0; max-width: 22ch; font-family: "Space Grotesk", sans-serif; font-weight: 600; letter-spacing: -0.01em; }
.crosssell .lead { font-size: clamp(1.85rem, 4.6vw, 3rem); line-height: 1.15; max-width: 18ch; }
.crosssell .lead .accent { color: var(--gold); }
.crosssell .support { font-family: "Newsreader", serif; font-weight: 400; font-size: clamp(1.1rem, 2.4vw, 1.35rem); color: var(--soft-on-navy); max-width: 34ch; margin: 0; }
.crosssell .pills { display: flex; flex-wrap: wrap; gap: 0.55rem; justify-content: center; margin-top: 0.5rem; }
.crosssell .pills a, .crosssell .pills span { font-family: "Space Grotesk", sans-serif; font-size: 0.85rem; font-weight: 500; color: var(--ink-on-navy);
  border: 1px solid var(--gold-line); background: var(--gold-soft); border-radius: 999px; padding: 0.45rem 0.95rem; text-decoration: none; transition: background 0.16s ease; }
.crosssell .pills a:hover { background: rgba(227,174,79,0.26); }

/* ---------- Why integrated ---------- */
.why { background: var(--navy-0); }
.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.prop { background: linear-gradient(180deg, var(--navy-1), var(--navy-2)); border: 1px solid rgba(247, 248, 250, 0.08); border-radius: var(--radius); padding: 1.75rem; }
.prop h3 { font-size: 1.2rem; margin: 0 0 0.5rem; letter-spacing: -0.01em; }
.prop p { margin: 0; color: var(--soft-on-navy); font-size: 1.02rem; }

/* ---------- Trust strip ---------- */
.trust { background: var(--gold); color: var(--navy-0); padding: clamp(1.5rem, 4vw, 2.25rem) 0; }
.trust .wrap { display: flex; align-items: center; justify-content: center; gap: 0.9rem; text-align: center; }
.trust p { margin: 0; font-family: "Space Grotesk", sans-serif; font-weight: 600; font-size: clamp(1.1rem, 2.6vw, 1.5rem); letter-spacing: -0.01em; }
.trust .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--navy-0); flex: none; }

/* ---------- Team ---------- */
.team { background: linear-gradient(180deg, var(--navy-0), var(--navy-1)); }
.team-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.25rem; }
.member { text-align: center; background: var(--navy-2); border: 1px solid rgba(247, 248, 250, 0.08); border-radius: var(--radius); padding: 1.75rem 1.25rem; }
.avatar { width: 96px; height: 96px; margin: 0 auto 1rem; border-radius: 50%;
  background: radial-gradient(70% 70% at 50% 22%, rgba(227,174,79,0.30), transparent 60%), linear-gradient(180deg, var(--navy-1), var(--navy-2));
  border: 1px solid var(--gold-line); display: grid; place-items: center; color: var(--gold); }
.avatar svg { width: 52px; height: 52px; opacity: 0.85; }
.member h3 { font-size: 1.1rem; margin: 0 0 0.2rem; }
.member .role { font-family: "Space Grotesk", sans-serif; font-size: 0.9rem; color: var(--muted); margin: 0; }

/* ---------- Contact ---------- */
.contact { background: radial-gradient(720px 440px at 50% 0%, rgba(42, 127, 158, 0.32), transparent 62%), linear-gradient(180deg, var(--navy-1), var(--navy-0)); text-align: center; }
.contact h2 { font-size: clamp(2rem, 5vw, 3.1rem); letter-spacing: -0.02em; margin: 0 auto 1rem; max-width: 18ch; font-weight: 700; }
.contact p { color: var(--soft-on-navy); max-width: 44ch; margin: 0 auto 2rem; font-size: 1.15rem; }
.contact-actions { display: flex; flex-wrap: wrap; gap: 0.85rem; justify-content: center; }

/* Contact form */
.contact-form { max-width: 600px; margin: 2.5rem auto 0; text-align: left; display: grid; gap: 1.1rem; }
.field { display: grid; gap: 0.4rem; }
.field label { font-family: "Space Grotesk", sans-serif; font-size: 0.9rem; font-weight: 500; color: var(--soft-on-navy); }
.field input, .field select, .field textarea { font-family: "Newsreader", serif; font-size: 1rem; color: var(--ink-on-navy);
  background: var(--navy-2); border: 1px solid rgba(247,248,250,0.14); border-radius: var(--radius-sm); padding: 0.85rem 1rem; }
.field input:focus, .field select:focus, .field textarea:focus { outline: 2px solid var(--teal-3); outline-offset: 1px; border-color: var(--teal-2); }
.field textarea { min-height: 120px; resize: vertical; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.1rem; }

/* ---------- Footer ---------- */
footer { background: var(--navy-0); border-top: 1px solid rgba(247, 248, 250, 0.08); padding: 3rem 0 2.5rem; }
.footer-top { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 1rem; padding-bottom: 1.75rem; border-bottom: 1px solid rgba(247, 248, 250, 0.08); }
.footer-top .wordmark { font-size: 1.25rem; }
.footer-nav { display: flex; flex-wrap: wrap; gap: 1.25rem; list-style: none; margin: 0; padding: 0; }
.footer-nav a { text-decoration: none; color: var(--soft-on-navy); font-family: "Space Grotesk", sans-serif; font-size: 0.92rem; }
.footer-nav a:hover { color: var(--gold); }
.disclaimer { margin: 1.75rem 0 0; color: var(--muted); font-size: 0.85rem; line-height: 1.6; max-width: 92ch; }
.disclaimer .ph { color: var(--soft-on-navy); background: rgba(247, 248, 250, 0.06); border: 1px dashed rgba(247, 248, 250, 0.18); border-radius: 6px; padding: 0.05rem 0.4rem; }

.skip-link { position: absolute; left: -999px; top: 0; background: var(--gold); color: var(--navy-0); padding: 0.6rem 1rem; border-radius: 0 0 10px 0; z-index: 100; font-family: "Space Grotesk", sans-serif; font-weight: 600; }
.skip-link:focus { left: 0; }

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-portrait { min-height: 280px; order: -1; }
  .why-grid, .feature-grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 720px) {
  .nav-links { display: none; }
  .nav-toggle { display: inline-flex; }
  .nav.open .nav-links { display: flex; position: absolute; top: 72px; left: 0; right: 0; flex-direction: column; align-items: flex-start;
    gap: 1.1rem; padding: 1.25rem var(--space) 1.6rem; background: var(--navy-1); border-bottom: 1px solid rgba(247, 248, 250, 0.1); }
  .nav.open .nav-cta { margin-left: 0; }
  .vert-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
  .team-grid { grid-template-columns: 1fr; }
  .trust .wrap { flex-direction: column; gap: 0.5rem; }
  .trust .dot { display: none; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; }
}

/* ====================================================================
   === new components ===
   Additive only. Reuses existing tokens + Direction C "Concierge"
   navy/teal/gold + Space Grotesk/Newsreader. Does NOT modify any
   existing class. Used by: mortgage (coming soon), resource articles,
   team page, faq, disclosures, resources index.
   AA note: small text on navy-2 cards uses --soft-on-navy (~9:1),
   never --muted (~4.1:1, fails AA at small sizes).
   ==================================================================== */

/* ---------- Coming-soon badge + generic status badges ---------- */
/* Mortgage is "coming soon", never an established service (BUILD-SPEC §2). */
.badge-soon { display: inline-flex; align-items: center; gap: 0.35rem; font-family: "Space Grotesk", sans-serif;
  font-size: 0.66rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; line-height: 1;
  color: var(--navy-0); background: var(--gold); padding: 0.22rem 0.55rem; border-radius: 6px; vertical-align: middle; }
/* tiny inline "soon" marker for the Mortgage nav item */
.nav-soon { font-family: "Space Grotesk", sans-serif; font-size: 0.6rem; font-weight: 600; letter-spacing: 0.08em;
  text-transform: uppercase; color: var(--gold); background: var(--gold-soft); border: 1px solid var(--gold-line);
  border-radius: 999px; padding: 0.05rem 0.4rem; margin-left: 0.35rem; vertical-align: middle; }
.badge-outline { display: inline-flex; align-items: center; gap: 0.35rem; font-family: "Space Grotesk", sans-serif;
  font-size: 0.66rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; line-height: 1;
  color: var(--teal-3); background: transparent; border: 1px solid var(--gold-line); padding: 0.2rem 0.55rem; border-radius: 6px; vertical-align: middle; }

/* ---------- Callout / [CONFIRM] note ---------- */
/* Reusable info band. .confirm-note flags an unverified [CONFIRM] item; styled
   restrained (not a prominent badge) so it never pressures filling a fact in. */
.callout { background: var(--navy-2); border: 1px solid rgba(247, 248, 250, 0.08); border-left: 3px solid var(--gold);
  border-radius: var(--radius-sm);
  padding: 1rem 1.25rem; margin: 0 0 1.5rem; font-family: "Space Grotesk", sans-serif; font-size: 0.95rem;
  color: var(--ink-on-navy); line-height: 1.55; }
.callout strong { color: var(--gold); }
/* monogram initials fallback for avatars until real headshots exist */
.avatar .initials, .qp-avatar .initials { font-family: "Space Grotesk", sans-serif; font-weight: 600;
  font-size: 1.6rem; letter-spacing: 0.02em; color: var(--gold); line-height: 1; }
.qp-avatar .initials { color: var(--navy-1); }
/* article byline: don't dangle middot separators at wrapped line-ends on mobile */
@media (max-width: 560px) {
  .article-meta { flex-direction: column; align-items: flex-start; gap: 0.2rem; }
  .article-meta .sep { display: none; }
}

/* ---------- Cookie consent banner (injected site-wide by cookie-consent.js) ---------- */
.cookie-banner { position: fixed; left: 0; right: 0; bottom: 0; z-index: 200;
  background: rgba(16, 25, 36, 0.97); backdrop-filter: blur(10px);
  border-top: 1px solid var(--gold-line); box-shadow: 0 -12px 40px -20px rgba(0,0,0,0.8);
  transform: translateY(110%); transition: transform 0.35s ease; }
.cookie-banner.show { transform: translateY(0); }
.cookie-banner-inner { max-width: var(--maxw); margin-inline: auto; padding: 1rem var(--space);
  display: flex; align-items: center; gap: 1.25rem; flex-wrap: wrap; }
.cookie-banner p { margin: 0; flex: 1 1 320px; color: var(--soft-on-navy); font-size: 0.92rem;
  font-family: "Space Grotesk", sans-serif; line-height: 1.5; }
.cookie-banner p a { color: var(--gold); text-decoration: underline; }
.cookie-actions { display: flex; gap: 0.6rem; flex-wrap: wrap; }
.cookie-actions .btn { padding: 0.6rem 1.15rem; font-size: 0.9rem; }
@media (max-width: 560px) { .cookie-actions { width: 100%; } .cookie-actions .btn { flex: 1; justify-content: center; } }
.confirm-note { display: inline-block; font-family: "Space Grotesk", sans-serif; font-size: 0.8rem; font-weight: 500;
  color: var(--soft-on-navy); background: rgba(247, 248, 250, 0.06); border: 1px dashed rgba(247, 248, 250, 0.22);
  border-radius: 6px; padding: 0.1rem 0.5rem; }

/* ---------- Article / prose layout (resource posts) ---------- */
/* Scoped under .article-body so we never alter the shared .prose class. */
.article { background: var(--navy-0); }
.article-wrap { max-width: 760px; margin-inline: auto; }
.article-header { margin: 0 0 2.25rem; }
.article-header h1 { font-size: clamp(2rem, 4.6vw, 3rem); line-height: 1.1; letter-spacing: -0.02em; font-weight: 700; margin: 0 0 1rem; }
.article-meta { display: flex; flex-wrap: wrap; align-items: center; gap: 0.5rem 0.75rem;
  font-family: "Space Grotesk", sans-serif; font-size: 0.9rem; color: var(--soft-on-navy); margin: 0; }
.article-meta .sep { color: var(--muted); }
.article-meta .byline { color: var(--gold); font-weight: 500; }
.article-body { color: var(--soft-on-navy); font-size: 1.13rem; line-height: 1.7; }
.article-body > p:first-child { font-size: 1.22rem; color: var(--ink-on-navy); }
.article-body h2 { font-family: "Space Grotesk", sans-serif; color: var(--ink-on-navy); font-size: clamp(1.5rem, 3.4vw, 2rem);
  line-height: 1.18; letter-spacing: -0.015em; margin: 2.5rem 0 0.9rem; }
.article-body h3 { font-family: "Space Grotesk", sans-serif; color: var(--ink-on-navy); font-size: 1.3rem; margin: 1.9rem 0 0.7rem; }
.article-body p { margin: 0 0 1.2rem; }
.article-body ul, .article-body ol { margin: 0 0 1.2rem; padding-left: 1.4rem; }
.article-body li { margin: 0 0 0.5rem; }
.article-body li::marker { color: var(--teal-3); }
.article-body a { color: var(--teal-3); text-decoration: underline; text-underline-offset: 2px; }
.article-body a:hover { color: var(--gold); }
.article-body strong { color: var(--ink-on-navy); }
.article-body blockquote { margin: 1.6rem 0; padding: 0.6rem 0 0.6rem 1.25rem; border-left: 3px solid var(--gold-line);
  color: var(--ink-on-navy); font-style: italic; }
.article-body hr { border: 0; border-top: 1px solid rgba(247, 248, 250, 0.1); margin: 2.5rem 0; }

/* Related links (end of article) */
.related-links { margin: 3rem 0 0; padding: 1.75rem 0 0; border-top: 1px solid rgba(247, 248, 250, 0.1); }
.related-links h2 { font-family: "Space Grotesk", sans-serif; font-size: 1.25rem; margin: 0 0 1rem; }
.related-links ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.7rem; }
.related-links a { font-family: "Space Grotesk", sans-serif; font-size: 1rem; font-weight: 500; color: var(--teal-3);
  text-decoration: none; display: inline-flex; gap: 0.4rem; align-items: center; }
.related-links a:hover { color: var(--gold); }

/* ---------- Resource Center index cards ---------- */
.resource-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.25rem; }
.resource-card { display: flex; flex-direction: column; text-decoration: none; color: inherit; background: var(--navy-2);
  border: 1px solid rgba(247, 248, 250, 0.08); border-radius: var(--radius); padding: 1.75rem 1.7rem;
  transition: transform 0.2s ease, border-color 0.2s ease, box-shadow 0.2s ease; }
.resource-card:hover { transform: translateY(-4px); border-color: var(--gold-line); box-shadow: var(--shadow); }
.resource-card .rc-tag { font-family: "Space Grotesk", sans-serif; font-weight: 600; font-size: 0.75rem;
  letter-spacing: 0.08em; text-transform: uppercase; color: var(--teal-3); margin: 0 0 0.6rem; }
.resource-card h3 { font-size: 1.3rem; line-height: 1.22; letter-spacing: -0.01em; margin: 0 0 0.6rem; }
.resource-card p { margin: 0 0 1.1rem; color: var(--soft-on-navy); font-size: 1.02rem; }
.resource-card .rc-meta { margin-top: auto; font-family: "Space Grotesk", sans-serif; font-size: 0.85rem; color: var(--soft-on-navy); }
.resource-card .rc-more { font-family: "Space Grotesk", sans-serif; font-size: 0.9rem; font-weight: 600; color: var(--teal-3);
  margin-top: 1rem; display: inline-flex; gap: 0.4rem; align-items: center; }
.resource-card:hover .rc-more { color: var(--gold); }

/* ---------- Richer team grid + member card (team.html) ---------- */
/* Additive: a 3-col variant of the existing .team-grid and additive
   detail lines on the existing .member card. Base .team-grid/.member untouched. */
.team-grid--detailed { grid-template-columns: repeat(3, 1fr); }
.member .credential { font-family: "Space Grotesk", sans-serif; font-size: 0.82rem; color: var(--soft-on-navy);
  margin: 0.45rem 0 0; letter-spacing: 0.01em; }
.member .bio { font-family: "Newsreader", serif; font-size: 0.98rem; color: var(--soft-on-navy); line-height: 1.6; margin: 0.85rem 0 0; }

/* ---------- FAQ accordion (details/summary) ---------- */
/* Context-independent — reused on faq.html + each vertical's FAQ block. */
.faq { display: grid; gap: 0.85rem; max-width: 760px; }
.faq-item { background: var(--navy-2); border: 1px solid rgba(247, 248, 250, 0.08); border-radius: var(--radius-sm); overflow: hidden; }
.faq-item[open] { border-color: var(--gold-line); }
.faq-q { font-family: "Space Grotesk", sans-serif; font-weight: 600; font-size: 1.08rem; color: var(--ink-on-navy);
  list-style: none; cursor: pointer; padding: 1.25rem 1.4rem; display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.faq-q::-webkit-details-marker { display: none; }
.faq-q:hover { color: var(--gold); }
.faq-q .faq-icon { flex: none; width: 20px; height: 20px; color: var(--teal-3); transition: transform 0.2s ease; }
.faq-item[open] .faq-q .faq-icon { transform: rotate(45deg); }
.faq-a { padding: 0 1.4rem 1.35rem; color: var(--soft-on-navy); font-size: 1.06rem; line-height: 1.65; }
.faq-a > :first-child { margin-top: 0; } .faq-a > :last-child { margin-bottom: 0; }
.faq-a p { margin: 0 0 0.9rem; }

/* ---------- Disclosures / legal long-form page ---------- */
/* Scoped wrapper so legal heading/list styling never leaks into .prose. */
.legal { background: var(--navy-0); }
.legal-wrap { max-width: 820px; margin-inline: auto; color: var(--soft-on-navy); font-size: 1.05rem; line-height: 1.7; }
.legal-wrap h2 { font-family: "Space Grotesk", sans-serif; color: var(--ink-on-navy); font-size: clamp(1.4rem, 3vw, 1.85rem);
  letter-spacing: -0.015em; margin: 2.5rem 0 0.85rem; padding-top: 2.25rem; border-top: 1px solid rgba(247, 248, 250, 0.1); }
.legal-wrap h2:first-of-type { padding-top: 0; border-top: 0; margin-top: 0; }
.legal-wrap h3 { font-family: "Space Grotesk", sans-serif; color: var(--ink-on-navy); font-size: 1.2rem; margin: 1.6rem 0 0.6rem; }
.legal-wrap p { margin: 0 0 1.1rem; }
.legal-wrap ul, .legal-wrap ol { margin: 0 0 1.1rem; padding-left: 1.4rem; }
.legal-wrap li { margin: 0 0 0.5rem; }
.legal-wrap a { color: var(--teal-3); text-decoration: underline; text-underline-offset: 2px; }
.legal-wrap a:hover { color: var(--gold); }
.legal-wrap .updated { font-family: "Space Grotesk", sans-serif; font-size: 0.9rem; color: var(--soft-on-navy); margin: 0 0 2rem; }
.legal-wrap .fineprint { font-size: 0.92rem; color: var(--muted); line-height: 1.6; }

/* ---------- Responsive (new components) ---------- */
@media (max-width: 900px) {
  .resource-grid { grid-template-columns: 1fr; }
  .team-grid--detailed { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 480px) {
  .team-grid--detailed { grid-template-columns: 1fr; }
}