/* ==========================================================================
   Forge Benefits Group — site.css
   Hand-written, no framework. Design system:
     Navy "anvil" + maroon "temper" (sampled from the logo), near-white paper,
     stone panels, fine ledger hairlines. The recurring device is the
     accountant's DOUBLE RULE (the line drawn under a final total).
   Type: Cinzel (wordmark / engraved labels) · Source Serif 4 (display)
         · Instrument Sans (body, UI, tabular figures).
   Rules: no gradients, no glows, no rounded "SaaS" cards.
   ========================================================================== */

:root{
  --navy:#0F1932;          /* logo navy (sampled ≈ #0E1830) */
  --navy-2:#1B2746;        /* raised surface on navy */
  --navy-line:#34405F;     /* hairline on navy */
  --maroon:#6F1D29;        /* logo maroon (sampled ≈ #6C1C27) */
  --maroon-ink:#5A1621;    /* hover */
  --blush:#E9CDD1;         /* maroon tint for use ON navy */
  --paper:#FBFAF8;         /* page */
  --white:#FFFFFF;
  --stone:#EFECE6;         /* alternate panel */
  --stone-2:#E4E0D8;
  --rule:#D8D3C9;          /* ledger hairline */
  --ink:#0F1932;
  --ink-2:#2E3850;
  --muted:#5D6578;
  --on-navy:#FFFFFF;
  --on-navy-2:#B9C0D0;

  --f-mark:"Cinzel", "Trajan Pro", Georgia, serif;
  --f-display:"Source Serif 4", Georgia, "Times New Roman", serif;
  --f-body:"Instrument Sans", "Segoe UI", system-ui, -apple-system, sans-serif;

  --wrap:1840px;
  --gut:clamp(16px, 5vw, 96px);
  --sec:clamp(72px, 10vw, 136px);
  --ease:cubic-bezier(.2,.7,.1,1);
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--f-body);font-size:1.0625rem;line-height:1.6;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;font-variant-numeric:lining-nums}
img,svg{display:block;max-width:100%}
a{color:inherit}
p{margin:0 0 1em}
h1,h2,h3,h4{margin:0;font-weight:600;color:inherit;text-wrap:balance}
.lede{text-wrap:pretty}
ul,ol{margin:0;padding:0}
button{font:inherit;color:inherit}
:focus-visible{outline:2px solid var(--maroon);outline-offset:3px}
.on-navy :focus-visible{outline-color:#fff}
.skip{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:10px 16px;z-index:100}
.skip:focus{left:8px}
.sr{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.tnum{font-variant-numeric:tabular-nums lining-nums}

/* ---------- layout ---------- */
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gut)}
.sec{padding:var(--sec) 0}
.sec-tight{padding:clamp(56px,7vw,96px) 0}
.bg-stone{background:var(--stone)}
.bg-white{background:var(--white)}
.bg-navy{background:var(--navy);color:var(--on-navy)}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:clamp(32px,5vw,80px)}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(28px,3.5vw,56px)}
.split{display:grid;grid-template-columns:5fr 7fr;gap:clamp(32px,6vw,96px);align-items:start}
.split-r{display:grid;grid-template-columns:7fr 5fr;gap:clamp(32px,6vw,96px);align-items:start}
@media (max-width:900px){.grid-2,.grid-3,.split,.split-r{grid-template-columns:1fr}}

/* ---------- type ---------- */
.eyebrow{font:600 .75rem/1.2 var(--f-body);letter-spacing:.2em;text-transform:uppercase;color:var(--maroon)}
.on-navy .eyebrow,.bg-navy .eyebrow{color:var(--blush)}
.display{font-family:var(--f-display);font-optical-sizing:auto;font-weight:600;letter-spacing:-.022em;line-height:1.02}
.h1{font-family:var(--f-display);font-weight:600;font-size:clamp(2.6rem,6.4vw,6.1rem);line-height:.98;letter-spacing:-.028em}
.h2{font-family:var(--f-display);font-weight:600;font-size:clamp(2rem,4.1vw,3.75rem);line-height:1.04;letter-spacing:-.022em}
.h3{font-family:var(--f-display);font-weight:600;font-size:clamp(1.35rem,1.9vw,1.75rem);line-height:1.15;letter-spacing:-.012em}
.h4{font:600 1.0625rem/1.35 var(--f-body);letter-spacing:-.005em}
.lede{font-size:clamp(1.12rem,1.45vw,1.35rem);line-height:1.55;color:var(--ink-2)}
.bg-navy .lede{color:var(--on-navy-2)}
.muted{color:var(--muted)}
.bg-navy .muted{color:var(--on-navy-2)}
.fine{font-size:.8125rem;line-height:1.55;color:var(--muted)}
.bg-navy .fine{color:var(--on-navy-2)}
em.accent,.accent{font-style:italic;color:var(--maroon)}
.bg-navy .accent{color:var(--blush)}
.measure{max-width:44rem}   /* forms / fine print only */

/* ---------- folio: section header (label + hairline to the margin) ---------- */
.folio{display:flex;align-items:center;gap:18px;margin-bottom:clamp(28px,3.5vw,48px)}
.folio .eyebrow{white-space:nowrap}
.folio::after{content:"";flex:1;height:1px;background:var(--rule)}
.bg-navy .folio::after{background:var(--navy-line)}
.folio .folio-n{font:600 .75rem/1 var(--f-body);letter-spacing:.14em;color:var(--muted);font-variant-numeric:tabular-nums;order:2}
.bg-navy .folio .folio-n{color:var(--on-navy-2)}

/* ---------- double rule: the accountant's "total" ---------- */
.dbl{display:block;height:7px;border-top:2px solid currentColor;border-bottom:2px solid currentColor;transform-origin:left center}
.dbl-maroon{color:var(--maroon)}
.rule{height:1px;background:var(--rule);border:0;margin:0}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:.7em;padding:.95em 1.45em;border:1.5px solid var(--navy);background:var(--navy);color:#fff;
  font:600 .9375rem/1 var(--f-body);letter-spacing:.01em;text-decoration:none;border-radius:2px;cursor:pointer;
  transition:background .2s,border-color .2s,color .2s}
.btn:hover{background:var(--maroon);border-color:var(--maroon)}
.btn .arr{display:inline-block;transition:transform .25s var(--ease)}
.btn:hover .arr{transform:translateX(4px)}
.btn-ghost{background:transparent;color:var(--navy)}
.btn-ghost:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-light{background:#fff;color:var(--navy);border-color:#fff}
.btn-light:hover{background:var(--blush);border-color:var(--blush);color:var(--navy)}
.btn-line-light{background:transparent;border-color:rgba(255,255,255,.55);color:#fff}
.btn-line-light:hover{background:#fff;color:var(--navy);border-color:#fff}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.tlink{font-weight:600;text-decoration:none;border-bottom:1.5px solid var(--maroon);padding-bottom:2px;transition:color .2s}
.tlink:hover{color:var(--maroon)}
.bg-navy .tlink{border-color:var(--blush)}
.bg-navy .tlink:hover{color:var(--blush)}

/* ---------- nav ---------- */
.site-nav{position:sticky;top:0;z-index:50;background:rgba(251,250,248,.97);border-bottom:1px solid transparent;transition:border-color .25s}
.site-nav.scrolled{border-bottom-color:var(--rule)}
.nav-in{display:flex;align-items:center;justify-content:space-between;gap:24px;height:78px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy);flex-shrink:0}
.brand svg.anvil{width:46px;height:auto;color:var(--navy)}
.brand-word{display:flex;flex-direction:column;line-height:1}
.brand-word .b1{font:700 1.5rem/1 var(--f-mark);letter-spacing:.06em}
.brand-word .b2{display:flex;align-items:center;gap:6px;margin-top:4px;font:600 .5rem/1 var(--f-body);letter-spacing:.3em;color:var(--maroon);text-transform:uppercase}
.brand-word .b2 i{display:block;width:10px;height:1.5px;background:var(--maroon);clip-path:polygon(0 50%,100% 0,100% 100%)}
.brand-word .b2 i:last-child{clip-path:polygon(0 0,100% 50%,0 100%)}
.on-navy .brand,.bg-navy .brand{color:#fff}
.bg-navy .brand svg.anvil{color:#fff}
.bg-navy .brand-word .b2{color:var(--blush)}
.bg-navy .brand-word .b2 i{background:var(--blush)}
.nav-links{display:flex;align-items:center;gap:clamp(14px,2vw,30px);list-style:none}
.nav-links a.navlink{font:500 .9375rem/1 var(--f-body);text-decoration:none;color:var(--ink-2);padding:8px 0;border-bottom:1.5px solid transparent;transition:color .2s,border-color .2s}
.nav-links a.navlink:hover{color:var(--navy);border-bottom-color:var(--rule)}
.nav-links a.navlink.active{color:var(--navy);border-bottom-color:var(--maroon)}
.nav-cta{padding:.8em 1.2em;font-size:.875rem}
.menu-btn{display:none;background:none;border:1.5px solid var(--navy);border-radius:2px;width:44px;height:44px;align-items:center;justify-content:center;cursor:pointer}
.menu-btn svg{width:22px;height:22px;stroke:var(--navy);stroke-width:1.8;fill:none;stroke-linecap:round}
.mobile-menu{display:none;border-top:1px solid var(--rule);background:var(--paper)}
.mobile-menu[data-open="true"]{display:block}
.mobile-menu ul{list-style:none;padding:8px 0 24px}
.mobile-menu li a{display:flex;justify-content:space-between;padding:16px 0;border-bottom:1px solid var(--rule);text-decoration:none;font:500 1.125rem/1.2 var(--f-body)}
.mobile-menu .btn{margin-top:20px;width:100%;justify-content:center}
@media (max-width:1080px){.nav-links{display:none}.menu-btn{display:inline-flex}}
@media (min-width:1081px){.mobile-menu{display:none!important}}

/* ---------- hero ---------- */
.hero{padding:clamp(56px,8vw,112px) 0 0}
.hero .h1 .pre{display:block;color:var(--muted);font-weight:500}
.hero .h1 .main{display:inline-block;position:relative}
.hero .h1 .main .dbl{position:absolute;left:0;right:0;bottom:-.16em;color:var(--maroon)}
.hero-grid{display:grid;grid-template-columns:7fr 5fr;gap:clamp(32px,6vw,96px);align-items:end;margin-top:clamp(40px,5vw,72px)}
.hero-grid .lede{margin:0}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr}}
.page-hero{padding:clamp(56px,8vw,104px) 0 clamp(48px,6vw,80px);border-bottom:1px solid var(--rule)}
.page-hero .h1{font-size:clamp(2.4rem,5.4vw,5rem)}
.page-hero .lede{margin-top:28px}
.page-hero .ph-grid{display:grid;grid-template-columns:7fr 5fr;gap:clamp(32px,6vw,96px);align-items:end}
@media (max-width:900px){.page-hero .ph-grid{grid-template-columns:1fr}}
.crumb{display:flex;gap:10px;align-items:center;margin-bottom:28px;font:500 .8125rem/1 var(--f-body);color:var(--muted)}
.crumb a{text-decoration:none}.crumb a:hover{color:var(--maroon)}

/* ---------- ledger strip (hero proofs) ---------- */
.ledger{display:grid;grid-template-columns:repeat(3,1fr);border-top:2px solid var(--navy);margin-top:clamp(56px,7vw,96px)}
.ledger > div{padding:22px 28px 26px 0;border-right:1px solid var(--rule)}
.ledger > div + div{padding-left:28px}
.ledger > div:last-child{border-right:0}
.ledger .fig{font:600 clamp(2rem,3.2vw,2.75rem)/1 var(--f-display);letter-spacing:-.02em;font-variant-numeric:tabular-nums lining-nums}
.ledger .lbl{display:block;margin-top:10px;font-size:.9375rem;color:var(--ink-2);line-height:1.45}
@media (max-width:760px){.ledger{grid-template-columns:1fr}.ledger > div{border-right:0;border-bottom:1px solid var(--rule);padding:20px 0!important}}

/* ---------- stat band (navy) ---------- */
.statband{padding:clamp(80px,11vw,152px) 0}
.statband .row{display:grid;grid-template-columns:auto 1fr;gap:clamp(32px,6vw,96px);align-items:end}
.statband .big{font:600 clamp(5.5rem,17vw,15rem)/.82 var(--f-display);letter-spacing:-.045em;font-variant-numeric:tabular-nums lining-nums;white-space:nowrap}
.statband .big .dbl{color:var(--blush);margin-top:.14em;height:.06em;min-height:7px;border-width:2px}
.statband .copy .h3{font-size:clamp(1.5rem,2.6vw,2.4rem);line-height:1.2;font-weight:500}
.statband .copy p{margin-top:24px}
@media (max-width:900px){.statband .row{grid-template-columns:1fr}}

/* ---------- comparison ledger ---------- */
.compare{width:100%;border-collapse:collapse;font-size:1rem}
.compare th,.compare td{text-align:left;vertical-align:top;padding:22px 24px 22px 0;border-bottom:1px solid var(--rule)}
.compare thead th{font:600 .75rem/1.3 var(--f-body);letter-spacing:.16em;text-transform:uppercase;color:var(--muted);border-bottom:2px solid var(--navy);padding-bottom:14px}
.compare thead th.forge{color:var(--maroon)}
.compare tbody th{font:600 .8125rem/1.4 var(--f-body);letter-spacing:.1em;text-transform:uppercase;color:var(--muted);width:18%}
.compare td.them{color:var(--muted);width:36%}
.compare td.us{font-family:var(--f-display);font-size:1.3rem;line-height:1.3;font-weight:600;color:var(--navy)}
.compare td.us::before{content:"";display:inline-block;width:14px;height:2px;background:var(--maroon);vertical-align:middle;margin-right:12px;transform:translateY(-3px)}
.compare tbody tr:last-child th,.compare tbody tr:last-child td{border-bottom:0}
.compare-foot{border-top:2px solid var(--navy);padding-top:6px}
.compare-foot::before{content:"";display:block;border-top:2px solid var(--navy);margin-bottom:18px}
@media (max-width:760px){
  .compare thead{display:none}
  .compare tr{display:grid;grid-template-columns:1fr;padding:18px 0;border-bottom:1px solid var(--rule)}
  .compare th,.compare td{border:0;padding:4px 0;width:auto!important}
  .compare td.them::before{content:"Transactional: ";font-weight:600}
}

/* ---------- pillars ---------- */
.pillar{border-top:1px solid var(--navy);padding-top:24px}
.pillar .h3{margin-bottom:14px}
.pillar p{color:var(--ink-2);margin:0}
.bg-navy .pillar{border-top-color:var(--navy-line)}
.bg-navy .pillar p{color:var(--on-navy-2)}

/* ---------- hub & spoke ---------- */
.hub-wrap{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(0,1fr);gap:clamp(32px,5vw,80px);align-items:center}
.dial{position:relative;width:100%;max-width:600px;aspect-ratio:1/1;margin:0 auto}
.dial svg.dial-art{position:absolute;inset:0;width:100%;height:100%;overflow:visible}
.dial .ring{fill:none;stroke:var(--rule);stroke-width:1}
.dial .ring-strong{fill:none;stroke:var(--navy);stroke-width:1.25}
.dial .tick{stroke:var(--rule);stroke-width:1}
.dial .tick-major{stroke:var(--navy);stroke-width:1.25}
.dial .spoke-line{stroke:var(--rule);stroke-width:1.25;transition:stroke .25s,stroke-width .25s}
.dial .spoke-line.on{stroke:var(--maroon);stroke-width:2.25}
.dial .hub-disc{fill:var(--navy)}
.dial .hub-ring{fill:none;stroke:var(--navy);stroke-width:1}
.hub-label{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);width:34%;text-align:center;color:#fff;pointer-events:none}
.hub-label .k{display:block;font:700 clamp(.9rem,1.35vw,1.2rem)/1.1 var(--f-mark);letter-spacing:.06em}
.hub-label .s{display:block;margin-top:8px;font:600 clamp(.5rem,.7vw,.625rem)/1.3 var(--f-body);letter-spacing:.2em;text-transform:uppercase;color:var(--blush)}
.node{position:absolute;transform:translate(-50%,-50%);width:clamp(118px,13vw,168px);padding:12px 12px 12px;background:var(--paper);border:1px solid var(--rule);border-radius:2px;
  text-align:left;cursor:pointer;transition:border-color .2s,background .2s,color .2s,transform .25s var(--ease)}
.node .n{display:block;font:700 .8125rem/1 var(--f-mark);letter-spacing:.08em;color:var(--maroon)}
.node .t{display:block;margin-top:6px;font:600 clamp(.78rem,1vw,.9rem)/1.2 var(--f-body);color:var(--navy)}
.node .by{display:block;margin-top:7px;font:600 .5625rem/1.2 var(--f-body);letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.node{border-top:3px solid var(--maroon)}
.node.think{background:var(--stone);border-top-color:var(--navy)}
.node:hover{border-left-color:var(--navy);border-right-color:var(--navy);border-bottom-color:var(--navy)}
.node[aria-selected="true"]{background:var(--navy);border-left-color:var(--navy);border-right-color:var(--navy);border-bottom-color:var(--navy)}
.node.think[aria-selected="true"]{border-top-color:#fff;box-shadow:0 0 0 1px var(--navy)}
.node[aria-selected="true"] .t{color:#fff}
.node[aria-selected="true"] .n{color:var(--blush)}
.node[aria-selected="true"] .by{color:var(--on-navy-2)}
.spoke-panel{border-top:2px solid var(--navy);padding-top:28px;min-height:420px}
.spoke-panel .sp-n{font:700 1rem/1 var(--f-mark);letter-spacing:.1em;color:var(--maroon)}
.spoke-panel .h2{margin:14px 0 18px;font-size:clamp(1.9rem,3vw,2.75rem)}
.spoke-panel p{color:var(--ink-2)}
.spoke-panel ul{list-style:none;margin:22px 0 26px;border-top:1px solid var(--rule)}
.spoke-panel li{padding:13px 0;border-bottom:1px solid var(--rule);display:flex;gap:14px}
.spoke-panel li::before{content:"";flex:0 0 12px;height:2px;background:var(--maroon);margin-top:.78em}
.owner-tag{display:inline-flex;align-items:center;gap:8px;font:600 .6875rem/1.2 var(--f-body);letter-spacing:.14em;text-transform:uppercase;padding:7px 10px;border:1px solid var(--rule);color:var(--ink-2);background:var(--white)}
.owner-tag.think{border-color:var(--navy);color:var(--navy)}
.owner-tag .dot{width:6px;height:6px;background:var(--maroon);display:inline-block}
.owner-tag.think .dot{background:var(--navy)}
.spoke-list{display:none;list-style:none}
.hub-legend{display:flex;flex-wrap:wrap;gap:12px 28px;margin-top:28px;font-size:.875rem;color:var(--muted)}
.hub-legend span{display:inline-flex;align-items:center;gap:8px}
.hub-legend i{width:10px;height:10px;display:inline-block}
.hub-legend .lf i{background:var(--maroon)}
.hub-legend .lt i{background:var(--navy)}
@media (max-width:980px){
  .hub-wrap{grid-template-columns:1fr}
  .dial,.spoke-panel{display:none}
  .spoke-list{display:block;border-top:2px solid var(--navy)}
  .spoke-list > li{border-bottom:1px solid var(--rule)}
  .spoke-list details summary{list-style:none;display:grid;grid-template-columns:44px 1fr 24px;gap:10px;align-items:start;padding:20px 0;cursor:pointer}
  .spoke-list details summary::-webkit-details-marker{display:none}
  .spoke-list summary .n{font:700 .9rem/1.4 var(--f-mark);color:var(--maroon)}
  .spoke-list summary .t{font:600 1.25rem/1.25 var(--f-display);color:var(--navy)}
  .spoke-list summary .pm{font:400 1.5rem/1 var(--f-body);color:var(--maroon);transition:transform .2s}
  .spoke-list details[open] summary .pm{transform:rotate(45deg)}
  .spoke-list .body{padding:0 0 24px 54px}
  .spoke-list .body ul{list-style:none;margin:12px 0 16px}
  .spoke-list .body li{padding:8px 0;border-top:1px solid var(--rule);font-size:.9375rem}
}

/* ---------- tracks ---------- */
.track{background:var(--white);border:1px solid var(--rule);padding:clamp(28px,3.5vw,48px);display:flex;flex-direction:column}
.track .who{display:flex;justify-content:space-between;align-items:baseline;gap:16px;border-bottom:2px solid var(--navy);padding-bottom:18px;margin-bottom:6px}
.track .h2{font-size:clamp(1.75rem,2.8vw,2.5rem)}
.track ul{list-style:none;margin-bottom:28px}
.track li{display:grid;grid-template-columns:36px 1fr;gap:8px;padding:16px 0;border-bottom:1px solid var(--rule);font-size:1.0625rem}
.track li .n{font:600 .75rem/1.8 var(--f-body);color:var(--maroon);font-variant-numeric:tabular-nums}
.track .foot{margin-top:auto}

/* ---------- lists ---------- */
.ruled{list-style:none;border-top:1px solid var(--rule)}
.ruled li{padding:14px 0;border-bottom:1px solid var(--rule);display:flex;gap:14px}
.ruled li::before{content:"";flex:0 0 12px;height:2px;background:var(--maroon);margin-top:.78em}
.bg-navy .ruled{border-top-color:var(--navy-line)}
.bg-navy .ruled li{border-bottom-color:var(--navy-line)}
.bg-navy .ruled li::before{background:var(--blush)}
.ruled-2{display:grid;grid-template-columns:1fr 1fr;column-gap:clamp(32px,5vw,72px);border-top:0}
.ruled-2 li:nth-child(-n+2){border-top:1px solid var(--rule)}
@media (max-width:760px){.ruled-2{grid-template-columns:1fr}.ruled-2 li:nth-child(2){border-top:0}}

/* ---------- feature rows (inner pages) ---------- */
.feature{display:grid;grid-template-columns:minmax(0,4fr) minmax(0,8fr);gap:clamp(24px,5vw,80px);padding:clamp(40px,5vw,64px) 0;border-top:1px solid var(--rule)}
.feature:first-of-type{border-top:2px solid var(--navy)}
.feature .fk{display:flex;flex-direction:column;gap:14px}
.feature .fk .n{font:700 .95rem/1 var(--f-mark);letter-spacing:.1em;color:var(--maroon)}
.feature .fbody > p{color:var(--ink-2);font-size:1.125rem}
@media (max-width:900px){.feature{grid-template-columns:1fr}}

/* ---------- steps (a real sequence) ---------- */
.steps{list-style:none;display:grid;grid-template-columns:repeat(var(--cols,4),1fr);border-top:2px solid var(--navy);counter-reset:s}
.steps > li{padding:24px 24px 8px 0;border-right:1px solid var(--rule)}
.steps > li + li{padding-left:24px}
.steps > li:last-child{border-right:0}
.steps .sn{display:block;font:600 2.5rem/1 var(--f-display);color:var(--maroon);font-variant-numeric:tabular-nums;margin-bottom:18px}
.steps .h4{margin-bottom:8px}
.steps p{font-size:.9375rem;color:var(--ink-2)}
.bg-navy .steps{border-top-color:#fff}
.bg-navy .steps > li{border-right-color:var(--navy-line)}
.bg-navy .steps .sn{color:var(--blush)}
.bg-navy .steps p{color:var(--on-navy-2)}
@media (max-width:980px){.steps{grid-template-columns:1fr 1fr}.steps > li{border-right:0;border-bottom:1px solid var(--rule);padding:22px 0!important}}
@media (max-width:600px){.steps{grid-template-columns:1fr}}
.bg-navy .steps > li{border-bottom-color:var(--navy-line)}

/* ---------- panels / callouts ---------- */
.panel{background:var(--white);border:1px solid var(--rule);padding:clamp(28px,3.5vw,48px)}
.panel-navy{background:var(--navy);color:#fff;padding:clamp(28px,3.5vw,48px)}
.note{border-left:2px solid var(--maroon);padding:4px 0 4px 20px;color:var(--ink-2)}
.bg-navy .note{border-left-color:var(--blush);color:var(--on-navy-2)}

/* ---------- partner strip ---------- */
.partner{display:grid;grid-template-columns:auto 1fr auto;gap:clamp(24px,4vw,64px);align-items:center;padding:clamp(32px,4vw,48px) 0;border-top:2px solid var(--navy);border-bottom:1px solid var(--rule)}
.think-lockup{display:flex;flex-direction:column;line-height:1}
.think-lockup .tk{font:700 1.6rem/1 var(--f-body);letter-spacing:-.02em;color:var(--navy)}
.think-lockup .tk2{font:600 .625rem/1 var(--f-body);letter-spacing:.24em;text-transform:uppercase;color:var(--muted);margin-top:8px}
.partner p{margin:0;color:var(--ink-2)}
@media (max-width:900px){.partner{grid-template-columns:1fr}}

/* ---------- final CTA ---------- */
.final{padding:clamp(88px,12vw,160px) 0}
.final .tag{font-family:var(--f-display);font-weight:500;font-size:clamp(2.4rem,6vw,5.5rem);line-height:1;letter-spacing:-.03em}
.final .tag span{display:block}
.final .tag .l2{color:var(--blush);font-style:italic;font-weight:400}
.final .dbl{color:#fff;width:min(420px,60%);margin:clamp(32px,4vw,48px) 0}

/* ---------- team ---------- */
.person{border-top:2px solid var(--navy);padding-top:24px}
.mono{width:100%;aspect-ratio:4/5;background:var(--stone);display:flex;align-items:center;justify-content:center;margin-bottom:22px;position:relative;border:1px solid var(--rule)}
.mono span{font:700 clamp(3rem,6vw,4.5rem)/1 var(--f-mark);color:var(--navy);letter-spacing:.04em}
.mono::after{content:"Portrait pending";position:absolute;bottom:14px;left:16px;font:600 .625rem/1 var(--f-body);letter-spacing:.18em;text-transform:uppercase;color:var(--muted)}
.person .role{color:var(--maroon);font-weight:600;font-size:.9375rem;margin:8px 0 12px}
.pending{color:var(--muted);font-style:italic}

/* ---------- forms ---------- */
.form{display:grid;grid-template-columns:1fr 1fr;gap:20px 20px}
.form .full{grid-column:1/-1}
.field label,.field .lbl{display:block;font:600 .8125rem/1.3 var(--f-body);letter-spacing:.02em;color:var(--ink-2);margin-bottom:8px}
.field input,.field select,.field textarea{width:100%;font:400 1rem/1.4 var(--f-body);color:var(--ink);background:var(--white);border:1px solid var(--stone-2);border-bottom:1.5px solid var(--ink-2);border-radius:0;padding:13px 14px;transition:border-color .2s}
.field textarea{min-height:120px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--navy);border-bottom-color:var(--maroon);box-shadow:0 0 0 1px var(--navy)}
.checks{display:flex;flex-wrap:wrap;gap:10px}
.checks label{display:inline-flex;align-items:center;gap:8px;margin:0;padding:10px 14px;border:1px solid var(--stone-2);background:var(--white);font:500 .9rem/1.2 var(--f-body);color:var(--ink);cursor:pointer;letter-spacing:0}
.checks input{accent-color:var(--maroon);width:auto;margin:0}
.checks label:has(input:checked){border-color:var(--navy);box-shadow:inset 0 0 0 1px var(--navy)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-status{grid-column:1/-1;font-size:.9375rem}
.form-status[data-state="error"]{color:var(--maroon)}
.form-done{border-top:2px solid var(--navy);padding-top:28px}
.form-done .h3{margin-bottom:12px}
@media (max-width:640px){.form{grid-template-columns:1fr}}

/* ---------- upload ---------- */
.drop{border:1.5px dashed var(--ink-2);background:var(--white);padding:40px 24px;text-align:center;cursor:pointer;transition:background .2s,border-color .2s}
.drop.over{background:var(--stone);border-color:var(--maroon)}
.drop .h4{margin-bottom:6px}
.filelist{list-style:none;margin-top:14px}
.filelist li{display:grid;grid-template-columns:1fr auto;gap:12px;align-items:center;padding:12px 0;border-bottom:1px solid var(--rule);font-size:.9375rem}
.filelist .meta{color:var(--muted);font-variant-numeric:tabular-nums;font-size:.8125rem}
.filelist .bar{grid-column:1/-1;height:3px;background:var(--stone-2)}
.filelist .bar i{display:block;height:100%;width:0;background:var(--navy);transition:width .2s}
.filelist li.err .meta{color:var(--maroon)}
.filelist button{background:none;border:0;color:var(--muted);cursor:pointer;font-size:.8125rem;text-decoration:underline}
.upload-off{border:1px solid var(--rule);background:var(--stone);padding:24px 28px}
.spec{display:grid;grid-template-columns:auto 1fr;gap:10px 24px;font-size:.9375rem;border-top:2px solid var(--navy);padding-top:18px}
.spec dt{font-weight:600;color:var(--ink)}
.spec dd{margin:0;color:var(--ink-2)}

/* ---------- ledger comparison (wellness savings) ---------- */
.books{display:grid;grid-template-columns:1fr 1fr;gap:clamp(24px,3vw,40px)}
@media (max-width:900px){.books{grid-template-columns:1fr}}
.book{background:var(--white);border:1px solid var(--rule);padding:clamp(24px,3vw,40px)}
.book .bh{display:flex;justify-content:space-between;align-items:baseline;gap:12px;border-bottom:2px solid var(--navy);padding-bottom:14px;margin-bottom:4px}
.book .bh .eyebrow{color:var(--muted)}
.lrows{list-style:none;font-variant-numeric:tabular-nums lining-nums}
.lrows li{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid var(--rule);font-size:1rem}
.lrows li .v{font-weight:600;white-space:nowrap}
.lrows li.neg .v{color:var(--maroon)}
.lrows li.sub{color:var(--muted)}
.lrows li.total{border-bottom:0;padding-top:16px;font-weight:600}
.lrows li.total .v{font:600 clamp(1.6rem,2.6vw,2.2rem)/1 var(--f-display);color:var(--navy)}
.lrows li.total + li.dblrow{padding:0;border:0}
.lrows .dbl{color:var(--navy);width:44%;margin-left:auto}
.book .foot{display:flex;justify-content:space-between;align-items:baseline;margin-top:18px;padding-top:16px;border-top:1px solid var(--rule);font-variant-numeric:tabular-nums}
.book .foot .v{font:600 1.25rem/1 var(--f-display);color:var(--maroon)}
.seg{display:inline-flex;border:1.5px solid var(--navy);border-radius:2px}
.seg button{background:transparent;border:0;padding:9px 16px;font:600 .8125rem/1 var(--f-body);cursor:pointer;color:var(--navy)}
.seg button[aria-pressed="true"]{background:var(--navy);color:#fff}
.paycheck{display:grid;grid-template-columns:1fr 1fr 1fr;border-top:2px solid var(--navy);font-variant-numeric:tabular-nums lining-nums}
.paycheck > div{padding:24px 24px 24px 0;border-right:1px solid var(--rule)}
.paycheck > div + div{padding-left:24px}
.paycheck > div:last-child{border-right:0}
.paycheck .fig{font:600 clamp(2rem,3.4vw,3rem)/1 var(--f-display);letter-spacing:-.02em;display:block;margin-top:12px}
.paycheck .with .fig{color:var(--maroon)}
@media (max-width:760px){.paycheck{grid-template-columns:1fr}.paycheck > div{border-right:0;border-bottom:1px solid var(--rule);padding:18px 0!important}}
.disclaim{font-size:.8125rem;color:var(--muted);border-top:1px solid var(--rule);padding-top:14px;margin-top:24px}

/* ---------- quotes ---------- */
.quotes{display:grid;grid-template-columns:repeat(2,1fr);gap:0;border-top:2px solid var(--navy)}
.quotes figure{margin:0;padding:32px 32px 32px 0;border-bottom:1px solid var(--rule)}
.quotes figure:nth-child(odd){border-right:1px solid var(--rule)}
.quotes figure:nth-child(even){padding-left:32px}
.quotes blockquote{margin:0;font:400 clamp(1.1rem,1.5vw,1.3rem)/1.5 var(--f-display);color:var(--ink)}
.quotes figcaption{margin-top:18px;font:600 .75rem/1.3 var(--f-body);letter-spacing:.14em;text-transform:uppercase;color:var(--maroon)}
@media (max-width:860px){.quotes{grid-template-columns:1fr}.quotes figure{border-right:0!important;padding:26px 0!important}}

/* ---------- video facade ---------- */
.videos{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(20px,2.5vw,32px)}
@media (max-width:900px){.videos{grid-template-columns:1fr}}
.yt{position:relative;display:block;width:100%;aspect-ratio:16/9;background:var(--navy);border:0;padding:0;cursor:pointer;overflow:hidden}
.yt img{width:100%;height:100%;object-fit:cover;opacity:.88;transition:opacity .25s,transform .5s var(--ease)}
.yt:hover img{opacity:1;transform:scale(1.02)}
.yt .play{position:absolute;left:16px;bottom:16px;display:inline-flex;align-items:center;gap:10px;background:var(--navy);color:#fff;padding:10px 14px;font:600 .8125rem/1 var(--f-body)}
.yt .play svg{width:12px;height:12px;fill:#fff}
.yt iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.vcap{margin-top:14px}
.vcap .eyebrow{color:var(--muted)}
.vcap .h4{margin-top:6px}

/* ---------- footer ---------- */
.site-footer{background:var(--stone);border-top:1px solid var(--rule);padding:clamp(56px,7vw,88px) 0 32px;font-size:.9375rem}
.foot-cta{display:grid;grid-template-columns:repeat(3,1fr);border-top:2px solid var(--navy);border-bottom:1px solid var(--rule);margin-bottom:clamp(40px,5vw,64px)}
.foot-cta a{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:24px 24px 24px 0;text-decoration:none;border-right:1px solid var(--rule);transition:color .2s}
.foot-cta a + a{padding-left:24px}
.foot-cta a:last-child{border-right:0}
.foot-cta a .k{display:block;font:600 .6875rem/1 var(--f-body);letter-spacing:.18em;text-transform:uppercase;color:var(--muted);margin-bottom:8px}
.foot-cta a .v{font:600 1.35rem/1.15 var(--f-display);color:var(--navy)}
.foot-cta a .arr{font-size:1.25rem;color:var(--maroon);transition:transform .25s var(--ease)}
.foot-cta a:hover .v{color:var(--maroon)}
.foot-cta a:hover .arr{transform:translateX(4px)}
@media (max-width:860px){.foot-cta{grid-template-columns:1fr}.foot-cta a{border-right:0;border-bottom:1px solid var(--rule);padding:20px 0!important}.foot-cta a:last-child{border-bottom:0}}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px}
.foot-grid h4{font:600 .6875rem/1 var(--f-body);letter-spacing:.18em;text-transform:uppercase;color:var(--muted);margin-bottom:16px}
.foot-grid ul{list-style:none}
.foot-grid li{margin-bottom:10px}
.foot-grid a{text-decoration:none;color:var(--ink-2)}
.foot-grid a:hover{color:var(--maroon)}
.foot-grid .tagline{font:500 1.25rem/1.35 var(--f-display);color:var(--navy);margin:20px 0 0}
@media (max-width:860px){.foot-grid{grid-template-columns:1fr 1fr}.foot-grid > div:first-child{grid-column:1/-1}}
.foot-legal{margin-top:clamp(40px,5vw,56px);padding-top:24px;border-top:1px solid var(--rule);display:grid;grid-template-columns:1fr auto;gap:12px 32px;font-size:.8125rem;color:var(--muted)}
.foot-legal p{margin:0 0 6px}
.foot-legal a{color:var(--muted)}
@media (max-width:760px){.foot-legal{grid-template-columns:1fr}}
[data-cfg-hide]{display:none}

/* ---------- motion (visible by default; JS opts elements in) ---------- */
.js .pre-reveal{opacity:0;transform:translateY(18px)}
.reveal{transition:opacity .8s var(--ease),transform .8s var(--ease)}
.js .draw .dbl,.js .dbl.draw{transform:scaleX(0);transition:transform 1.1s var(--ease) .35s}
.js .draw.drawn .dbl,.js .dbl.draw.drawn{transform:scaleX(1)}
@media (prefers-reduced-motion:reduce){
  .js .pre-reveal{opacity:1;transform:none}
  .reveal{transition:none}
  .js .draw .dbl,.js .dbl.draw{transform:none;transition:none}
  .node,.btn .arr,.yt img{transition:none}
}

/* ---------- misc ---------- */
.mt-0{margin-top:0}.mt-s{margin-top:16px}.mt-m{margin-top:28px}.mt-l{margin-top:48px}.mt-xl{margin-top:clamp(56px,7vw,96px)}
.mb-m{margin-bottom:28px}
.center{text-align:center}
.draft-flag{background:var(--maroon);color:#fff;font:600 .75rem/1 var(--f-body);letter-spacing:.14em;text-transform:uppercase;padding:10px var(--gut);text-align:center}
.prose h2{font:600 1.5rem/1.2 var(--f-display);margin:40px 0 12px}
.prose p,.prose li{color:var(--ink-2)}
.prose ul{padding-left:20px;margin-bottom:1em}
@media (max-width:600px){.folio .eyebrow{white-space:normal}.folio .folio-n{display:none}}
.spoke-list summary .by{display:block;margin-top:6px;font:600 .625rem/1.2 var(--f-body);letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.partner .tlink{justify-self:start}
.books{align-items:start}
.fk .owner-tag{align-self:flex-start}
.feature:first-of-type{border-top:1px solid var(--rule)}
.folio + .feature{border-top:2px solid var(--navy)}