/* ==========================================================================
   James S. Ewart, CPA — site stylesheet
   Single stylesheet for every page. No external fonts, no frameworks.
   ========================================================================== */

/* --------------------------------------------------------------- tokens -- */
:root {
  --navy-900: #0e2438;
  --navy-800: #14304a;
  --navy-700: #1c4062;
  --navy-600: #27567f;
  --gold-700: #8a6a1f;
  --gold-600: #a8822a;
  --gold-500: #c39a3c;
  --gold-100: #f4ecda;
  --ink: #1d2733;
  --ink-soft: #46586b;
  --ink-muted: #64748b;
  --line: #dfe4ea;
  --surface: #ffffff;
  --surface-alt: #f7f6f2;
  --surface-tint: #f1f4f8;
  --ok: #1f7a4d;

  --font-body: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue",
    Arial, "Noto Sans", sans-serif;
  --font-head: Georgia, "Iowan Old Style", "Palatino Linotype", "Book Antiqua",
    "Times New Roman", serif;

  --wrap: 1120px;
  --wrap-narrow: 780px;
  --radius: 12px;
  --radius-sm: 8px;
  --shadow-sm: 0 1px 2px rgba(14, 36, 56, 0.06),
    0 1px 3px rgba(14, 36, 56, 0.08);
  --shadow-md: 0 4px 12px rgba(14, 36, 56, 0.08),
    0 2px 4px rgba(14, 36, 56, 0.06);
  --shadow-lg: 0 12px 32px rgba(14, 36, 56, 0.12);
  --step: clamp(1rem, 0.95rem + 0.25vw, 1.0625rem);
}

/* ---------------------------------------------------------------- reset -- */
*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
}

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: var(--step);
  line-height: 1.65;
  color: var(--ink);
  background: var(--surface-alt);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

img,
svg,
picture {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: var(--navy-600);
  text-decoration-thickness: 1px;
  text-underline-offset: 2px;
}

a:hover {
  color: var(--gold-700);
}

h1,
h2,
h3,
h4 {
  font-family: var(--font-head);
  color: var(--navy-900);
  line-height: 1.22;
  margin: 0 0 0.6em;
  text-wrap: balance;
}

h1 {
  font-size: clamp(1.75rem, 1.35rem + 1.9vw, 2.6rem);
  letter-spacing: -0.01em;
}

h2 {
  font-size: clamp(1.4rem, 1.2rem + 1vw, 1.95rem);
  margin-top: 1.8em;
}

h3 {
  font-size: clamp(1.15rem, 1.05rem + 0.5vw, 1.4rem);
  margin-top: 1.5em;
}

p {
  margin: 0 0 1.05em;
}

ul,
ol {
  margin: 0 0 1.05em;
  padding-left: 1.3em;
}

li {
  margin-bottom: 0.4em;
}

li > ul,
li > ol {
  margin-top: 0.4em;
}

hr {
  border: 0;
  border-top: 1px solid var(--line);
  margin: 2.5rem 0;
}

blockquote {
  margin: 1.5rem 0;
  padding: 0.4rem 0 0.4rem 1.25rem;
  border-left: 4px solid var(--gold-500);
  color: var(--ink-soft);
  font-style: italic;
}

:focus-visible {
  outline: 3px solid var(--gold-600);
  outline-offset: 2px;
  border-radius: 3px;
}

table {
  width: 100%;
  border-collapse: collapse;
  margin: 0 0 1.5rem;
  font-size: 0.97rem;
}

th,
td {
  text-align: left;
  padding: 0.7rem 0.85rem;
  border-bottom: 1px solid var(--line);
  vertical-align: top;
}

thead th {
  background: var(--navy-800);
  color: #fff;
  font-weight: 600;
}

/* Row headings such as a date read badly when they wrap mid-label. */
@media (min-width: 620px) {
  tbody th[scope="row"] {
    white-space: nowrap;
  }
}

tbody tr:nth-child(even) {
  background: var(--surface-tint);
}

/* ------------------------------------------------------------- helpers -- */
.wrap {
  width: 100%;
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 0 1.25rem;
}

.wrap--narrow {
  max-width: var(--wrap-narrow);
}

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  z-index: 999;
  background: var(--navy-900);
  color: #fff;
  padding: 0.7rem 1.1rem;
  border-radius: 0 0 var(--radius-sm) 0;
  font-weight: 600;
}

.skip-link:focus {
  left: 0;
  color: #fff;
}

.visually-hidden {
  position: absolute !important;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
  border: 0;
}

.eyebrow {
  display: inline-block;
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.13em;
  text-transform: uppercase;
  color: var(--gold-700);
  margin: 0 0 0.75rem;
}

.lede {
  font-size: 1.09rem;
  color: var(--ink-soft);
  max-width: 62ch;
}

.section {
  padding: clamp(2.5rem, 1.8rem + 3vw, 4.25rem) 0;
}

.section--tint {
  background: var(--surface-tint);
}

.section--paper {
  background: var(--surface);
}

.section__head {
  max-width: 62ch;
  margin-bottom: 2rem;
}

.section__head--center {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

/* -------------------------------------------------------------- buttons -- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.72rem 1.3rem;
  border-radius: 999px;
  border: 1px solid transparent;
  font-family: var(--font-body);
  font-size: 0.97rem;
  font-weight: 600;
  line-height: 1.2;
  text-decoration: none;
  cursor: pointer;
  transition: background-color 0.18s ease, color 0.18s ease,
    border-color 0.18s ease, transform 0.18s ease;
}

.btn:hover {
  transform: translateY(-1px);
}

.btn--primary {
  background: var(--gold-600);
  color: #fff;
}

.btn--primary:hover,
.btn--primary:focus {
  background: var(--gold-700);
  color: #fff;
}

.btn--ghost {
  background: transparent;
  color: var(--navy-800);
  border-color: rgba(20, 48, 74, 0.35);
}

.btn--ghost:hover,
.btn--ghost:focus {
  background: var(--navy-800);
  border-color: var(--navy-800);
  color: #fff;
}

.btn--light {
  background: #fff;
  color: var(--navy-800);
}

.btn--light:hover,
.btn--light:focus {
  background: var(--gold-100);
  color: var(--navy-900);
}

.btn-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 1.5rem;
}

/* ---------------------------------------------------------- utility bar -- */
.utility {
  background: var(--navy-900);
  color: #cfd9e4;
  font-size: 0.86rem;
}

.utility .wrap {
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem 1.4rem;
  align-items: center;
  justify-content: space-between;
  padding-top: 0.5rem;
  padding-bottom: 0.5rem;
}

.utility a {
  color: #fff;
  text-decoration: none;
  font-weight: 600;
}

.utility a:hover {
  color: var(--gold-500);
  text-decoration: underline;
}

.utility__group {
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem 1.4rem;
}

.utility__label {
  color: #93a5b8;
}

/* --------------------------------------------------------------- header -- */
.site-header {
  background: var(--surface);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 60;
}

.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.25rem;
  padding-top: 0.85rem;
  padding-bottom: 0.85rem;
}

.brand {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  text-decoration: none;
  color: inherit;
  flex: 0 1 auto;
}

.brand__mark {
  flex: none;
  width: 46px;
  height: 46px;
  border-radius: 10px;
  background: linear-gradient(150deg, var(--navy-700), var(--navy-900));
  color: var(--gold-500);
  display: grid;
  place-items: center;
  font-family: var(--font-head);
  font-size: 1.02rem;
  font-weight: 700;
  letter-spacing: 0.02em;
}

.brand__text {
  display: flex;
  flex-direction: column;
  min-width: 0;
}

.brand__name {
  font-family: var(--font-head);
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--navy-900);
  line-height: 1.2;
}

.brand__tag {
  font-size: 0.78rem;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  color: var(--ink-muted);
}

.nav-toggle {
  display: none;
  align-items: center;
  gap: 0.5rem;
  background: var(--surface-tint);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 0.5rem 0.8rem;
  font: inherit;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--navy-800);
  cursor: pointer;
}

.nav-toggle__bars {
  display: block;
  width: 18px;
  height: 12px;
  position: relative;
}

.nav-toggle__bars::before,
.nav-toggle__bars::after {
  content: "";
  position: absolute;
  left: 0;
  width: 100%;
  height: 2px;
  background: currentColor;
  border-radius: 2px;
}

.nav-toggle__bars::before {
  top: 0;
  box-shadow: 0 5px 0 currentColor;
}

.nav-toggle__bars::after {
  bottom: 0;
}

/* ----------------------------------------------------------- main nav -- */
.site-nav ul {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  align-items: center;
  gap: 0.15rem;
}

.site-nav li {
  margin: 0;
  position: relative;
}

.site-nav a,
.site-nav .nav-parent {
  display: block;
  padding: 0.55rem 0.7rem;
  border-radius: var(--radius-sm);
  font-size: 0.94rem;
  font-weight: 600;
  color: var(--navy-800);
  text-decoration: none;
  background: none;
  border: 0;
  font-family: inherit;
  cursor: pointer;
  white-space: nowrap;
}

.site-nav a:hover,
.site-nav .nav-parent:hover,
.site-nav [aria-current="page"] {
  background: var(--surface-tint);
  color: var(--navy-900);
}

.site-nav [aria-current="page"] {
  box-shadow: inset 0 -3px 0 var(--gold-500);
}

.nav-parent::after {
  content: "";
  display: inline-block;
  margin-left: 0.35rem;
  vertical-align: 2px;
  border-left: 4px solid transparent;
  border-right: 4px solid transparent;
  border-top: 5px solid currentColor;
}

.site-nav .submenu {
  list-style: none;
  margin: 0;
  padding: 0.4rem;
  position: absolute;
  top: calc(100% + 6px);
  left: 0;
  min-width: 250px;
  flex-direction: column;
  align-items: stretch;
  gap: 0;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  display: none;
  z-index: 70;
}

.site-nav .submenu a {
  padding: 0.55rem 0.75rem;
  font-weight: 500;
  white-space: normal;
}

.has-submenu:hover > .submenu,
.has-submenu:focus-within > .submenu,
.has-submenu.is-open > .submenu {
  display: flex;
}

/* ----------------------------------------------------------- breadcrumb -- */
.breadcrumb {
  font-size: 0.85rem;
  color: var(--ink-muted);
  padding-top: 1rem;
}

.breadcrumb ol {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  margin: 0;
  padding: 0;
}

.breadcrumb li {
  margin: 0;
}

.breadcrumb li + li::before {
  content: "/";
  margin-right: 0.4rem;
  color: #b8c2cd;
}

.breadcrumb a {
  color: var(--ink-muted);
  text-decoration: none;
}

.breadcrumb a:hover {
  color: var(--navy-700);
  text-decoration: underline;
}

/* ----------------------------------------------------------------- hero -- */
.hero {
  background: linear-gradient(160deg, var(--navy-900) 0%, var(--navy-700) 100%);
  color: #e8eef5;
  position: relative;
  overflow: hidden;
}

.hero::after {
  content: "";
  position: absolute;
  inset: auto -10% -55% 55%;
  height: 320px;
  background: radial-gradient(
    circle at 30% 30%,
    rgba(195, 154, 60, 0.35),
    transparent 62%
  );
  pointer-events: none;
}

.hero__inner {
  position: relative;
  z-index: 1;
  padding: clamp(2.75rem, 2rem + 4vw, 5rem) 1.25rem;
  max-width: var(--wrap);
  margin: 0 auto;
  display: grid;
  gap: 2.5rem;
  grid-template-columns: minmax(0, 1.15fr) minmax(0, 0.85fr);
  align-items: center;
}

.hero h1 {
  color: #fff;
}

.hero p {
  color: #c8d6e4;
  font-size: 1.07rem;
  max-width: 56ch;
}

.hero .eyebrow {
  color: var(--gold-500);
}

.hero__card {
  background: rgba(255, 255, 255, 0.07);
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: var(--radius);
  padding: 1.6rem 1.5rem;
  backdrop-filter: blur(3px);
}

.hero__card h2 {
  color: #fff;
  font-size: 1.15rem;
  margin-top: 0;
  margin-bottom: 0.85rem;
}

.hero__list {
  list-style: none;
  margin: 0;
  padding: 0;
}

.hero__list li {
  margin: 0 0 0.75rem;
  padding-left: 1.7rem;
  position: relative;
  color: #dbe5ef;
}

.hero__list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.5em;
  width: 0.62rem;
  height: 0.62rem;
  border-radius: 50%;
  background: var(--gold-500);
}

.hero__list strong {
  color: #fff;
}

/* --------------------------------------------------------- page banner -- */
.page-hero {
  background: linear-gradient(160deg, var(--navy-900), var(--navy-700));
  color: #fff;
  padding: clamp(1.75rem, 1.2rem + 2.5vw, 3rem) 0;
}

.page-hero h1 {
  color: #fff;
  margin-bottom: 0.5rem;
}

.page-hero p {
  color: #c8d6e4;
  margin: 0;
  max-width: 68ch;
}

.page-hero .breadcrumb {
  padding-top: 0;
  margin-bottom: 0.9rem;
}

.page-hero .breadcrumb a,
.page-hero .breadcrumb li + li::before {
  color: #9db1c6;
}

.page-hero .breadcrumb a:hover {
  color: #fff;
}

/* --------------------------------------------------------------- cards -- */
.grid {
  display: grid;
  gap: 1.25rem;
}

.grid--2 {
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
}

.grid--3 {
  grid-template-columns: repeat(auto-fit, minmax(255px, 1fr));
}

.grid--4 {
  grid-template-columns: repeat(auto-fit, minmax(215px, 1fr));
}

.card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.5rem 1.4rem;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s ease, transform 0.2s ease,
    border-color 0.2s ease;
  display: flex;
  flex-direction: column;
}

.card:hover {
  box-shadow: var(--shadow-md);
  border-color: #c9d3de;
  transform: translateY(-2px);
}

.card h3 {
  margin-top: 0;
  margin-bottom: 0.5rem;
  font-size: 1.16rem;
}

.card p {
  color: var(--ink-soft);
  margin-bottom: 1rem;
}

.card > :last-child {
  margin-bottom: 0;
}

.card__icon {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  background: var(--gold-100);
  color: var(--gold-700);
  display: grid;
  place-items: center;
  margin-bottom: 0.9rem;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 1.05rem;
}

.card__icon svg {
  width: 22px;
  height: 22px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.9;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.card__link {
  margin-top: auto;
  font-weight: 600;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
}

.card__link::after {
  content: "\2192";
  transition: transform 0.18s ease;
}

.card__link:hover::after {
  transform: translateX(3px);
}

.card--link {
  text-decoration: none;
  color: inherit;
}

.card--link:hover {
  color: inherit;
}

/* ----------------------------------------------------------- stat band -- */
.stats {
  display: grid;
  gap: 1.25rem;
  grid-template-columns: repeat(auto-fit, minmax(190px, 1fr));
  text-align: center;
}

.stat {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.35rem 1rem;
}

.stat__value {
  font-family: var(--font-head);
  font-size: clamp(1.6rem, 1.3rem + 1.2vw, 2.2rem);
  font-weight: 700;
  color: var(--navy-800);
  line-height: 1.1;
  text-wrap: balance;
}

.stat__value--text {
  font-size: clamp(1.05rem, 0.95rem + 0.5vw, 1.3rem);
  line-height: 1.3;
}

.stat__label {
  font-size: 0.9rem;
  color: var(--ink-muted);
  margin-top: 0.35rem;
}

/* ----------------------------------------------------------- checklist -- */
.checklist {
  list-style: none;
  padding: 0;
  margin: 0 0 1.25rem;
}

.checklist li {
  position: relative;
  padding-left: 1.9rem;
  margin-bottom: 0.7rem;
  color: var(--ink-soft);
}

.checklist li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.35em;
  width: 1.05rem;
  height: 1.05rem;
  border-radius: 50%;
  background: var(--gold-100);
  border: 1px solid var(--gold-500);
}

.checklist li::after {
  content: "";
  position: absolute;
  left: 0.3rem;
  top: 0.62em;
  width: 0.42rem;
  height: 0.2rem;
  border-left: 2px solid var(--gold-700);
  border-bottom: 2px solid var(--gold-700);
  transform: rotate(-45deg);
}

/* -------------------------------------------------------------- prose --- */
.prose {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: clamp(1.4rem, 1rem + 2vw, 2.6rem);
  box-shadow: var(--shadow-sm);
}

.prose > :first-child {
  margin-top: 0;
}

.prose > :last-child {
  margin-bottom: 0;
}

.prose h2 {
  padding-bottom: 0.35rem;
  border-bottom: 1px solid var(--line);
}

.prose h2:first-of-type {
  margin-top: 1.5rem;
}

/* ------------------------------------------------------------- two-col -- */
.split {
  display: grid;
  gap: clamp(1.5rem, 1rem + 3vw, 3rem);
  grid-template-columns: minmax(0, 1.6fr) minmax(0, 1fr);
  align-items: start;
}

/* A split with only one child spans the full width instead of leaving a
   dead column, but keeps a comfortable reading measure. */
.split > :only-child {
  grid-column: 1 / -1;
}

.split > .prose:only-child {
  max-width: 82ch;
}

.aside-box {
  background: var(--surface);
  border: 1px solid var(--line);
  border-left: 4px solid var(--gold-500);
  border-radius: var(--radius);
  padding: 1.4rem 1.35rem;
  box-shadow: var(--shadow-sm);
}

.aside-box h2,
.aside-box h3 {
  margin-top: 0;
  font-size: 1.12rem;
}

.aside-box p:last-child,
.aside-box ul:last-child {
  margin-bottom: 0;
}

.aside-box--navy {
  background: var(--navy-800);
  border-color: var(--navy-800);
  border-left-color: var(--gold-500);
  color: #d7e2ee;
}

.aside-box--navy h2,
.aside-box--navy h3 {
  color: #fff;
}

.aside-box--navy a {
  color: var(--gold-500);
}

.aside-stack {
  display: grid;
  gap: 1.15rem;
  position: sticky;
  top: 5.5rem;
}

.contact-quick {
  list-style: none;
  margin: 0;
  padding: 0;
}

.contact-quick li {
  margin: 0 0 0.85rem;
  padding-bottom: 0.85rem;
  border-bottom: 1px solid var(--line);
}

.contact-quick li:last-child {
  margin-bottom: 0;
  padding-bottom: 0;
  border-bottom: 0;
}

.contact-quick__label {
  display: block;
  font-size: 0.76rem;
  letter-spacing: 0.11em;
  text-transform: uppercase;
  color: var(--ink-muted);
  font-weight: 700;
}

.contact-quick__value {
  font-weight: 600;
  color: var(--navy-800);
}

/* ------------------------------------------------------------------ faq -- */
.faq {
  display: grid;
  gap: 0.85rem;
}

.faq details {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  overflow: hidden;
}

.faq summary {
  cursor: pointer;
  padding: 1.05rem 3rem 1.05rem 1.25rem;
  font-family: var(--font-head);
  font-size: 1.06rem;
  font-weight: 700;
  color: var(--navy-900);
  list-style: none;
  position: relative;
}

.faq summary::-webkit-details-marker {
  display: none;
}

.faq summary::after {
  content: "+";
  position: absolute;
  right: 1.15rem;
  top: 50%;
  transform: translateY(-50%);
  font-size: 1.4rem;
  line-height: 1;
  color: var(--gold-600);
  font-family: var(--font-body);
  font-weight: 400;
}

.faq details[open] summary::after {
  content: "\2013";
}

.faq details[open] summary {
  border-bottom: 1px solid var(--line);
}

.faq__body {
  padding: 1.1rem 1.25rem 1.3rem;
  color: var(--ink-soft);
}

.faq__body > :last-child {
  margin-bottom: 0;
}

/* ------------------------------------------------------------ link list -- */
.link-groups {
  display: grid;
  gap: 1.5rem;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  align-items: start;
}

.link-group {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.4rem 1.4rem 1.15rem;
  box-shadow: var(--shadow-sm);
}

.link-group h2,
.link-group h3 {
  font-size: 1.12rem;
  margin-top: 0;
  padding-bottom: 0.5rem;
  border-bottom: 2px solid var(--gold-100);
}

.link-group ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

.link-group li {
  margin: 0 0 0.55rem;
  padding-left: 1rem;
  position: relative;
  font-size: 0.96rem;
}

.link-group li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.62em;
  width: 0.35rem;
  height: 0.35rem;
  border-radius: 50%;
  background: var(--gold-500);
}

.link-group li:last-child {
  margin-bottom: 0;
}

.link-note {
  font-size: 0.87rem;
  color: var(--ink-muted);
  margin-top: 0.9rem;
  padding-top: 0.7rem;
  border-top: 1px dashed var(--line);
}

/* ------------------------------------------------------------------ cta -- */
.cta {
  background: linear-gradient(150deg, var(--navy-800), var(--navy-900));
  color: #dbe5ef;
  border-radius: var(--radius);
  padding: clamp(1.7rem, 1.2rem + 2.5vw, 2.75rem);
  display: grid;
  gap: 1.5rem;
  grid-template-columns: minmax(0, 1.5fr) minmax(0, 1fr);
  align-items: center;
}

.cta h2 {
  color: #fff;
  margin-top: 0;
}

.cta p {
  color: #c3d2e2;
  margin-bottom: 0;
}

.cta__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.7rem;
  justify-content: flex-end;
}

/* --------------------------------------------------------------- footer -- */
.site-footer {
  background: var(--navy-900);
  color: #aebccb;
  margin-top: clamp(2.5rem, 2rem + 3vw, 4.5rem);
  font-size: 0.94rem;
}

.site-footer__grid {
  display: grid;
  gap: 2rem;
  grid-template-columns: minmax(0, 1.4fr) repeat(3, minmax(0, 1fr));
  padding: clamp(2.25rem, 1.8rem + 2vw, 3.25rem) 0 2.25rem;
}

.site-footer h2 {
  color: #fff;
  font-size: 1rem;
  font-family: var(--font-body);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin: 0 0 1rem;
}

.site-footer p {
  margin-bottom: 0.85rem;
}

.site-footer ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

.site-footer li {
  margin-bottom: 0.55rem;
}

.site-footer a {
  color: #cfdae6;
  text-decoration: none;
}

.site-footer a:hover {
  color: var(--gold-500);
  text-decoration: underline;
}

.site-footer__brand {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: 1rem;
}

.site-footer__brand .brand__name {
  color: #fff;
}

.site-footer__brand .brand__tag {
  color: #93a5b8;
}

.site-footer__bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding: 1.15rem 0 1.4rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem 1.5rem;
  justify-content: space-between;
  align-items: center;
  font-size: 0.87rem;
}

.site-footer__bottom p {
  margin: 0;
}

.disclaimer {
  font-size: 0.84rem;
  color: #8fa0b2;
  max-width: 92ch;
  margin: 0.5rem 0 0;
}

/* ---------------------------------------------------------- responsive -- */
@media (max-width: 980px) {
  .hero__inner {
    grid-template-columns: 1fr;
  }

  .split {
    grid-template-columns: 1fr;
  }

  .aside-stack {
    position: static;
  }

  .site-footer__grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .cta {
    grid-template-columns: 1fr;
  }

  .cta__actions {
    justify-content: flex-start;
  }
}

@media (max-width: 860px) {
  .nav-toggle {
    display: inline-flex;
  }

  .site-nav {
    display: none;
    position: absolute;
    left: 0;
    right: 0;
    top: 100%;
    background: var(--surface);
    border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow-lg);
    max-height: calc(100vh - 6rem);
    overflow-y: auto;
    padding: 0.75rem 1.25rem 1.25rem;
  }

  .site-nav.is-open {
    display: block;
  }

  .site-nav ul {
    flex-direction: column;
    align-items: stretch;
    gap: 0;
  }

  .site-nav a,
  .site-nav .nav-parent {
    padding: 0.8rem 0.5rem;
    border-bottom: 1px solid var(--line);
    border-radius: 0;
    font-size: 1rem;
    width: 100%;
    text-align: left;
  }

  .site-nav [aria-current="page"] {
    box-shadow: inset 3px 0 0 var(--gold-500);
  }

  .site-nav .submenu {
    position: static;
    display: none;
    border: 0;
    box-shadow: none;
    padding: 0 0 0 1rem;
    background: var(--surface-tint);
    border-radius: 0;
  }

  .site-nav .submenu a {
    font-size: 0.94rem;
    border-bottom: 0;
    padding-left: 0.75rem;
  }

  .site-nav .has-submenu.is-open > .submenu {
    display: block;
  }

  .site-header__inner {
    position: relative;
    flex-wrap: wrap;
  }
}

@media (max-width: 620px) {
  .site-footer__grid {
    grid-template-columns: 1fr;
  }

  .utility .wrap {
    justify-content: flex-start;
  }

  .brand__mark {
    width: 40px;
    height: 40px;
    font-size: 0.92rem;
  }

  .brand__name {
    font-size: 1.02rem;
  }

  table {
    font-size: 0.92rem;
  }

  th,
  td {
    padding: 0.55rem 0.6rem;
  }
}

/* --------------------------------------------------------------- print -- */
@media print {
  .utility,
  .site-nav,
  .nav-toggle,
  .site-footer,
  .cta,
  .btn-row {
    display: none !important;
  }

  body {
    background: #fff;
    font-size: 11pt;
  }

  .prose,
  .card,
  .aside-box {
    border: 0;
    box-shadow: none;
    padding: 0;
  }

  a[href^="http"]::after {
    content: " (" attr(href) ")";
    font-size: 0.85em;
    color: #555;
  }
}