/* Mc: marketing for independent RIAs. Brand tokens and page styles. */
:root {
  --evergreen: #1F3B33;
  --evergreen-2: #264840;
  --paper: #F4EFE6;
  --stone: #EAE3D6;
  --stone-line: #D9D2C5;
  --brass: #B08D57;
  --brass-deep: #7A5C33;
  --ink: #15181B;
  --muted: #4E5552;
  --paper-muted: rgba(244, 239, 230, 0.72);
  --hair-dark: rgba(244, 239, 230, 0.16);
  --serif: "Newsreader", Georgia, "Times New Roman", serif;
  --sans: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
  --mono: "IBM Plex Mono", ui-monospace, Menlo, monospace;
  --radius: 14px;
  --wrap: 1160px;
  --sig-len: 400;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 84px; -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--paper); color: var(--ink); font: 17px/1.6 var(--sans); -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility; }
img, svg { display: block; }
a { color: inherit; }
h1, h2, h3 { font-family: var(--serif); font-weight: 400; letter-spacing: -0.015em; margin: 0; color: var(--evergreen); }
h1 { font-size: clamp(42px, 5.6vw, 72px); line-height: 1.02; }
h2 { font-size: clamp(32px, 3.8vw, 48px); line-height: 1.08; margin-bottom: 28px; max-width: 18ch; }
h3 { font-size: 23px; line-height: 1.2; }
p { margin: 0 0 14px; }
.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 28px; }
.wrap--narrow { max-width: 820px; }
:focus-visible { outline: 2px solid var(--brass); outline-offset: 3px; border-radius: 4px; }

/* ---------- Mark ---------- */
.mark { width: 64px; height: auto; overflow: visible; }
.mark__stroke { fill: none; stroke: var(--paper); stroke-width: 8; stroke-linecap: round; stroke-linejoin: round; transition: stroke .3s; }
.mark__dot { fill: var(--brass); }
.top.is-solid .mark__stroke { stroke: var(--evergreen); }
.mark--foot { width: 56px; }
.mark--foot .mark__stroke { stroke: var(--paper); }

/* ---------- Header ---------- */
.top { position: fixed; inset: 0 0 auto; z-index: 50; transition: background .3s, border-color .3s; border-bottom: 1px solid transparent; }
.top.is-dark { background: rgba(31, 59, 51, 0.94); backdrop-filter: saturate(140%) blur(10px); -webkit-backdrop-filter: saturate(140%) blur(10px); border-bottom-color: var(--hair-dark); }
.top.is-solid { background: rgba(244, 239, 230, 0.94); backdrop-filter: saturate(140%) blur(10px); -webkit-backdrop-filter: saturate(140%) blur(10px); border-bottom-color: var(--stone-line); }
.top__row { display: flex; align-items: center; justify-content: space-between; gap: 24px; height: 72px; }
.top__logo { display: inline-flex; padding: 6px 0; }
.top__nav { display: flex; gap: 28px; margin-left: auto; }
.top__nav a { text-decoration: none; font-size: 14px; color: var(--paper-muted); transition: color .2s; }
.top__nav a:hover { color: var(--paper); }
.top.is-solid .top__nav a { color: var(--muted); }
.top.is-solid .top__nav a:hover { color: var(--evergreen); }
.top .btn--line { color: var(--paper); border-color: var(--hair-dark); }
.top.is-solid .btn--line { color: var(--evergreen); border-color: var(--stone-line); }

/* ---------- Buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: 50px; padding: 0 24px; border-radius: 999px; font: 500 15px/1 var(--sans); text-decoration: none; border: 1px solid transparent; cursor: pointer; transition: background .2s, color .2s, border-color .2s, transform .2s; }
.btn:active { transform: translateY(1px); }
.btn--primary { background: var(--evergreen); color: var(--paper); }
.btn--primary:hover { background: var(--evergreen-2); }
.btn--paper { background: var(--paper); color: var(--evergreen); }
.btn--paper:hover { background: #fff; }
.btn--line { background: transparent; color: var(--evergreen); border-color: var(--stone-line); }
.btn--line:hover { border-color: var(--evergreen); }
.btn--line-light { background: transparent; color: var(--paper); border-color: var(--hair-dark); }
.btn--line-light:hover { border-color: var(--paper); }
.btn--small { min-height: 40px; padding: 0 18px; font-size: 14px; }
.btn--full { width: 100%; }
.cta-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 36px; }
.cta-row--center { justify-content: center; }

/* ---------- Labels ---------- */
.label { display: flex; align-items: center; gap: 12px; font: 500 12px/1 var(--mono); letter-spacing: .08em; text-transform: uppercase; color: var(--brass-deep); margin-bottom: 20px; }
.label span { color: var(--brass); }
.label::after { content: ""; flex: 0 0 48px; height: 1px; background: var(--brass); opacity: .6; }
.label--light { color: var(--brass); }
.eyebrow { font: 500 12px/1.4 var(--mono); letter-spacing: .08em; text-transform: uppercase; color: var(--brass); margin: 0 0 18px; }

/* ---------- Hero ---------- */
.hero { background: var(--evergreen); color: var(--paper); padding: 136px 0 96px; position: relative; overflow: hidden; }
.hero::after { content: ""; position: absolute; inset: auto 0 0; height: 1px; background: var(--hair-dark); }
.hero__grid { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); gap: 64px; align-items: start; }
.hero h1 { color: var(--paper); max-width: 13ch; margin-bottom: 24px; }
.hero .lede { font-size: 19px; color: var(--paper-muted); max-width: 54ch; }
.hero__sig { width: min(260px, 52vw); height: auto; overflow: visible; margin: 0 0 36px -8px; }
.sig__stroke { fill: none; stroke: var(--paper); stroke-width: 6.5; stroke-linecap: round; stroke-linejoin: round; stroke-dasharray: var(--sig-len); stroke-dashoffset: var(--sig-len); animation: draw 2.1s cubic-bezier(.55, .1, .25, 1) .25s forwards; }
.sig__dot { fill: var(--brass); transform-box: fill-box; transform-origin: center; transform: scale(0); animation: dot .45s cubic-bezier(.3, 1.6, .5, 1) 2.3s forwards; }
.sig__stroke--late, .sig__dot--late { animation-play-state: paused; }
.is-drawn .sig__stroke--late, .is-drawn .sig__dot--late { animation-play-state: running; }
.sig__dot--late { animation-delay: 2.1s; }
.sig__stroke--late { animation-delay: .1s; }
@keyframes draw { to { stroke-dashoffset: 0; } }
@keyframes dot { to { transform: scale(1); } }
.terms-inline { list-style: none; display: flex; flex-wrap: wrap; gap: 10px 22px; padding: 0; margin: 28px 0 12px; font-size: 15px; }
.terms-inline li { display: flex; align-items: center; gap: 9px; }
.terms-inline li::before { content: ""; width: 6px; height: 6px; border-radius: 50%; background: var(--brass); }
.expect { font-size: 14px; color: var(--paper-muted); margin: 0; }
.hero__mobile-cta { display: none; margin-top: 28px; }

/* Form card */
.formcard { background: var(--paper); color: var(--ink); border-radius: 20px; padding: 30px; box-shadow: 0 30px 60px -30px rgba(0, 0, 0, .45); }
.formcard__from { display: flex; align-items: center; gap: 12px; padding-bottom: 18px; margin-bottom: 20px; border-bottom: 1px solid var(--stone-line); }
.formcard__from p { margin: 0; font-size: 14px; color: var(--muted); }
.formcard__from strong { color: var(--ink); font-weight: 600; }
.avatar { flex: 0 0 44px; width: 44px; height: 44px; border-radius: 50%; background: var(--evergreen) center/cover no-repeat; display: flex; align-items: center; justify-content: center; }
.avatar svg, .note__photo svg { width: 70%; overflow: visible; }
.avatar svg use, .note__photo svg use { fill: none; stroke: var(--paper); stroke-width: 10; stroke-linecap: round; stroke-linejoin: round; }
.has-photo svg { display: none; }
.formcard__title { font-size: 26px; line-height: 1.15; margin-bottom: 10px; }
.formcard__sub { font-size: 15px; color: var(--muted); margin-bottom: 20px; }
.lead-form { display: grid; gap: 12px; }
.lead-form label { display: grid; gap: 6px; font-size: 13px; font-weight: 500; color: var(--ink); }
.lead-form em { font-style: normal; font-weight: 400; color: var(--muted); }
.lead-form input { width: 100%; height: 48px; padding: 0 14px; border: 1px solid var(--stone-line); border-radius: 10px; background: #fff; font: 16px var(--sans); color: var(--ink); transition: border-color .2s, box-shadow .2s; }
.lead-form input:focus { outline: none; border-color: var(--evergreen); box-shadow: 0 0 0 3px rgba(31, 59, 51, .14); }
.lead-form input[aria-invalid="true"] { border-color: #A23B2A; }
.lead-form .btn { margin-top: 6px; }
.form-error { color: #A23B2A; font-size: 14px; margin: 0; }
.formcard__meta { font-size: 13px; color: var(--ink); margin: 16px 0 4px; font-weight: 500; }
.formcard__privacy { font-size: 13px; color: var(--muted); margin: 0 0 14px; }
.formcard__alt { font-size: 14px; color: var(--evergreen); text-underline-offset: 3px; }

/* ---------- Sections ---------- */
.section { padding: 112px 0; }
.section--stone { background: var(--stone); }
.section--dark { background: var(--evergreen); color: var(--paper); }
.section--dark h2 { color: var(--paper); }
.prose p { color: var(--muted); font-size: 18px; max-width: 58ch; }
.section--dark .prose p { color: var(--paper-muted); }
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: start; }
.two-col--center { align-items: center; }

/* Stats */
.stats { display: grid; grid-template-columns: 1fr 1fr; gap: 0; margin: 0; border-top: 1px solid var(--stone-line); }
.stat { padding: 26px 24px 26px 0; border-bottom: 1px solid var(--stone-line); }
.stat:nth-child(odd) { border-right: 1px solid var(--stone-line); }
.stat:nth-child(even) { padding-left: 24px; padding-right: 0; }
.stat dt { font: 400 34px/1.1 var(--serif); color: var(--evergreen); letter-spacing: -0.01em; margin-bottom: 10px; font-variant-numeric: lining-nums; }
.stat dd { margin: 0; font-size: 15px; color: var(--muted); }
.stat cite { display: block; font: 400 11px/1.4 var(--mono); font-style: normal; color: var(--brass-deep); text-transform: uppercase; letter-spacing: .06em; margin-top: 10px; }

/* Compare */
.compare { border-top: 1px solid var(--evergreen); }
.compare__head, .compare__row { display: grid; grid-template-columns: .7fr 1.15fr 1.15fr; gap: 32px; padding: 20px 0; border-bottom: 1px solid var(--stone-line); }
.compare__head { font: 500 11px/1 var(--mono); letter-spacing: .08em; text-transform: uppercase; color: var(--brass-deep); padding: 16px 0; }
.compare__what { font: 400 21px/1.25 var(--serif); color: var(--evergreen); }
.compare__old { color: var(--muted); font-size: 16px; }
.compare__new { color: var(--ink); font-size: 16px; font-weight: 500; padding-left: 22px; position: relative; }
.compare__new::before { content: ""; position: absolute; left: 0; top: .62em; width: 10px; height: 1.5px; background: var(--brass); }

/* Steps */
.steps { list-style: none; padding: 0; margin: 8px 0 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; border-top: 1px solid var(--stone-line); }
.step { padding: 28px 24px 28px 0; border-right: 1px solid var(--stone-line); }
.step + .step { padding-left: 24px; }
.step:last-child { border-right: 0; }
.step__when { font: 500 12px/1 var(--mono); letter-spacing: .08em; text-transform: uppercase; color: var(--brass-deep); margin-bottom: 16px; }
.step h3 { font-size: 21px; margin-bottom: 12px; }
.step p:last-child { color: var(--muted); font-size: 15px; margin: 0; }
.rhythm { margin-top: 40px; padding: 28px 32px; border-radius: var(--radius); background: var(--evergreen); color: var(--paper-muted); }
.rhythm__title { font: 400 22px/1.2 var(--serif); color: var(--paper); margin-bottom: 10px; }
.rhythm p:last-child { margin: 0; max-width: 80ch; }

/* Photos / shot list */
.media-note { font-size: 14px; color: var(--paper-muted); border-left: 1px solid var(--brass); padding-left: 16px; margin-top: 24px; max-width: 56ch; }
.shotlist { list-style: none; padding: 0; margin: 0; border-top: 1px solid var(--hair-dark); }
.shotlist li { display: grid; grid-template-columns: 48px 1fr; gap: 12px; align-items: baseline; padding: 22px 0; border-bottom: 1px solid var(--hair-dark); font: 400 24px/1.25 var(--serif); color: var(--paper); }
.shotlist span { font: 500 12px/1 var(--mono); color: var(--brass); letter-spacing: .08em; }

/* Cards */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; border-top: 1px solid var(--stone-line); border-left: 1px solid var(--stone-line); }
.card { padding: 30px 28px; border-right: 1px solid var(--stone-line); border-bottom: 1px solid var(--stone-line); }
.card h3 { font-size: 21px; margin-bottom: 10px; }
.card p { color: var(--muted); font-size: 15px; margin: 0; }
.fineprint { font-size: 14px; color: var(--muted); margin-top: 20px; }

/* Plans */
.plans { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; align-items: stretch; }
.plan { background: var(--paper); border: 1px solid var(--stone-line); border-radius: 20px; padding: 32px 28px; display: flex; flex-direction: column; }
.plan .ticks { flex: 1; margin-bottom: 28px; }
.plan--featured { background: var(--evergreen); color: var(--paper); border-color: var(--evergreen); }
.plan--featured .plan__name, .plan--featured .plan__price span { color: var(--paper); }
.plan--featured .plan__for, .plan--featured .ticks li { color: var(--paper-muted); }
.plan__flag { display: inline-flex; align-self: flex-start; font: 500 11px/1 var(--mono); letter-spacing: .08em; text-transform: uppercase; color: var(--evergreen); background: var(--brass); padding: 7px 10px; border-radius: 999px; margin-bottom: 18px; }
.plan__flag--quiet { background: transparent; color: var(--brass-deep); border: 1px solid var(--brass); }
.plan__name { font-size: 28px; margin-bottom: 6px; }
.plan__price { font-size: 15px; color: var(--muted); margin-bottom: 14px; }
.plan--featured .plan__price { color: var(--paper-muted); }
.plan__price span { font: 400 46px/1 var(--serif); color: var(--evergreen); letter-spacing: -0.02em; margin-right: 4px; }
.plan__for { font-size: 15px; color: var(--muted); padding-bottom: 20px; margin-bottom: 20px; border-bottom: 1px solid var(--stone-line); }
.plan--featured .plan__for { border-bottom-color: var(--hair-dark); }
.ticks, .crosses { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.ticks li, .crosses li { position: relative; padding-left: 26px; font-size: 15px; color: var(--ink); }
.ticks li::before { content: ""; position: absolute; left: 2px; top: .45em; width: 11px; height: 6px; border-left: 1.5px solid var(--brass); border-bottom: 1.5px solid var(--brass); transform: rotate(-45deg); }
.crosses li { color: var(--muted); }
.crosses li::before, .crosses li::after { content: ""; position: absolute; left: 3px; top: .8em; width: 11px; height: 1.5px; background: var(--muted); transform: rotate(45deg); }
.crosses li::after { transform: rotate(-45deg); }
.review-offer { margin-top: 28px; display: grid; grid-template-columns: 1fr auto; gap: 40px; align-items: end; background: var(--paper); border: 1px solid var(--stone-line); border-radius: 20px; padding: 36px; }
.review-offer h3 { font-size: 28px; margin-bottom: 10px; }
.review-offer h3 em { font-style: italic; color: var(--brass-deep); }
.review-offer > div > p { color: var(--muted); }
.review-offer .ticks { margin: 18px 0; }
.review-offer__note { font-size: 14px; margin: 0; }
.terms { list-style: none; padding: 0; margin: 40px 0 0; display: flex; flex-wrap: wrap; gap: 10px; }
.terms li { font-size: 14px; padding: 9px 16px; border: 1px solid var(--stone-line); border-radius: 999px; background: var(--paper); }

/* Fit */
.fit { display: grid; grid-template-columns: 1fr 1fr; gap: 0; border-top: 1px solid var(--evergreen); }
.fit > div { padding: 32px 40px 8px 0; }
.fit > div + div { padding-left: 40px; border-left: 1px solid var(--stone-line); }
.fit h3 { margin-bottom: 20px; }

/* Note */
.note { display: grid; grid-template-columns: 320px 1fr; gap: 72px; align-items: start; }
.note__photo { aspect-ratio: 4 / 5; border-radius: 20px; background: var(--evergreen) center/cover no-repeat; display: flex; align-items: center; justify-content: center; position: sticky; top: 110px; }
.note__photo svg { width: 55%; }
.note__photo svg use { stroke-width: 6; }
.signoff { display: flex; align-items: center; gap: 20px; margin-top: 28px; padding-top: 24px; border-top: 1px solid var(--stone-line); }
.signoff__sig { width: 120px; height: auto; overflow: visible; }
.signoff__sig .sig__stroke { stroke: var(--evergreen); stroke-width: 7; }
.signoff p { margin: 0; font-weight: 600; font-size: 15px; }
.signoff span { display: block; font-weight: 400; color: var(--muted); font-size: 14px; }

/* FAQ */
.faq { border-top: 1px solid var(--evergreen); }
.faq details { border-bottom: 1px solid var(--stone-line); }
.faq summary { list-style: none; cursor: pointer; display: flex; justify-content: space-between; gap: 24px; align-items: center; padding: 22px 0; font: 400 21px/1.3 var(--serif); color: var(--evergreen); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: ""; flex: 0 0 12px; height: 12px; background: linear-gradient(var(--brass), var(--brass)) center/12px 1.5px no-repeat, linear-gradient(var(--brass), var(--brass)) center/1.5px 12px no-repeat; transition: transform .25s; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details p { color: var(--muted); padding-bottom: 22px; margin: 0; max-width: 68ch; }

/* Final */
.final { background: var(--evergreen); color: var(--paper); padding: 120px 0 112px; text-align: center; }
.final__sig { width: 150px; height: auto; overflow: visible; margin: 0 auto 36px; }
.final h2 { color: var(--paper); margin: 0 auto 20px; max-width: 16ch; }
.final .lede { color: var(--paper-muted); font-size: 19px; max-width: 54ch; margin: 0 auto; }
.tagline { font: italic 400 22px/1 var(--serif); color: var(--brass); margin: 56px 0 0; }

/* Footer */
.foot { background: var(--ink); color: rgba(244, 239, 230, .62); padding: 56px 0 40px; font-size: 14px; }
.foot__row { display: flex; align-items: center; gap: 18px; padding-bottom: 24px; margin-bottom: 24px; border-bottom: 1px solid rgba(244, 239, 230, .12); }
.foot__row p { margin: 0; color: var(--paper); }
.foot__legal { max-width: 80ch; }
.sources summary { cursor: pointer; color: var(--paper); margin: 12px 0; }
.sources ul { padding-left: 18px; }
.sources a { color: var(--paper); }
.foot__copy { margin-top: 24px; }

/* Sticky mobile CTA */
.sticky-cta { display: none; }
.sticky-cta .btn { box-shadow: 0 12px 30px -8px rgba(0, 0, 0, .45); border-color: rgba(244, 239, 230, .28); }

/* Reveal */
.reveal { opacity: 0; transform: translateY(14px); transition: opacity .7s ease, transform .7s ease; }
.reveal.is-in { opacity: 1; transform: none; }

/* ---------- Responsive ---------- */
@media (max-width: 1000px) {
  .hero__grid, .two-col, .note { grid-template-columns: 1fr; gap: 48px; }
  .steps { grid-template-columns: 1fr 1fr; }
  .step:nth-child(2) { border-right: 0; }
  .step:nth-child(3) { padding-left: 0; }
  .step:nth-child(n+3) { border-top: 1px solid var(--stone-line); }
  .cards { grid-template-columns: 1fr 1fr; }
  .plans { grid-template-columns: 1fr; max-width: 560px; }
  .note__photo { position: static; max-width: 280px; }
  .top__nav { display: none; }
}
@media (max-width: 720px) {
  body { font-size: 16px; }
  .wrap { padding: 0 20px; }
  .hero { padding: 112px 0 64px; }
  .hero__mobile-cta { display: block; }
  .section { padding: 80px 0; }
  .stats { grid-template-columns: 1fr; }
  .stat, .stat:nth-child(even) { padding: 22px 0; border-right: 0; }
  .compare__head { display: none; }
  .compare__row { grid-template-columns: 1fr; gap: 8px; }
  .steps, .cards, .fit { grid-template-columns: 1fr; }
  .step, .step + .step { padding: 24px 0; border-right: 0; border-top: 1px solid var(--stone-line); }
  .step:first-child { border-top: 0; }
  .fit > div, .fit > div + div { padding: 28px 0 0; border-left: 0; }
  .review-offer { grid-template-columns: 1fr; padding: 28px 22px; gap: 24px; }
  .formcard { padding: 24px 20px; }
  .top .btn--line { display: none; }
  .sticky-cta { display: block; position: fixed; left: 12px; right: 12px; bottom: 12px; z-index: 60; transform: translateY(120%); transition: transform .3s; }
  .sticky-cta.is-on { transform: none; }
  .shotlist li { font-size: 20px; }
  .label::after { display: none; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .sig__stroke { animation: none; stroke-dashoffset: 0; }
  .sig__dot { animation: none; transform: scale(1); }
  .reveal { opacity: 1; transform: none; transition: none; }
}