/* ============================================================
   Life Capitalized Financial — Swiss system
   Surface white, single sans, hairline grid, one blue accent,
   teal cursor-triangle as the directional accent, tabular folio numerals.
   ============================================================ */

:root {
  /* Brand — read from logo, adjust here if you have exact hex */
  --blue:      #3D34E0;  /* primary accent / links / CTA */
  --blue-ink:  #2A22B8;  /* hover */
  --teal:      #28C39A;  /* cursor triangle, single secondary accent */
  --ink:       #23262B;  /* text */
  --ink-soft:  #5B6069;  /* secondary text */
  --surface:   #FFFFFF;
  --surface-2: #F7F7F8;  /* alt band */
  --hair:      #E4E4E7;  /* hairline rules */

  --measure: 66ch;
  --maxw: 1160px;
  --gut: clamp(20px, 5vw, 64px);
  --sans: "Helvetica Neue", Helvetica, Arial, system-ui, sans-serif;
}

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

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

body {
  margin: 0;
  font-family: var(--sans);
  color: var(--ink);
  background: var(--surface);
  line-height: 1.55;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
  font-variant-numeric: tabular-nums;
}

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

a { color: var(--blue); text-decoration: none; }
a:hover { color: var(--blue-ink); }

/* ---------- Focus / skip link ---------- */
a:focus-visible, button:focus-visible, input:focus-visible, textarea:focus-visible {
  outline: 2px solid var(--blue); outline-offset: 2px;
}
.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 100;
  background: var(--blue); color: #fff; padding: 12px 20px;
  font-weight: 600; font-size: 15px;
}
.skip-link:focus { left: 0; }

/* ---------- Layout ---------- */
.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 var(--gut); }

.section { padding: clamp(56px, 9vw, 112px) 0; border-top: 1px solid var(--hair); }
.section--alt { background: var(--surface-2); }
.section--tight { padding: clamp(40px, 6vw, 72px) 0; }

/* Folio numeral marking each section */
.folio {
  font-size: 13px;
  letter-spacing: .16em;
  color: var(--blue);
  font-weight: 700;
  display: inline-block;
  margin-bottom: 20px;
}
.folio::after { content: ""; }

/* ---------- Type ---------- */
h1, h2, h3, h4 { line-height: 1.08; letter-spacing: -0.02em; font-weight: 800; margin: 0 0 .5em; }
h1 { font-size: clamp(38px, 6vw, 68px); }
h2 { font-size: clamp(28px, 4vw, 44px); }
h3 { font-size: clamp(20px, 2.4vw, 26px); letter-spacing: -0.01em; }
.lead { font-size: clamp(18px, 2.2vw, 22px); color: var(--ink-soft); max-width: var(--measure); }
p { max-width: var(--measure); }
.eyebrow {
  font-size: 12px; font-weight: 700; letter-spacing: .18em;
  text-transform: uppercase; color: var(--ink-soft); margin: 0 0 14px;
}
.hair { height: 1px; background: var(--hair); border: 0; margin: 0; }

/* ---------- Header / nav ---------- */
.site-head {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.92);
  backdrop-filter: saturate(180%) blur(8px);
  border-bottom: 1px solid var(--hair);
}
.site-head .wrap { display: flex; align-items: center; justify-content: space-between; height: 76px; gap: 24px; }
.brand { display: flex; align-items: center; }
.brand svg, .brand img { height: 42px; width: auto; }
.foot-logo { height: 40px; width: auto; margin-bottom: 16px; }
.nav { display: flex; align-items: center; gap: 28px; }
.nav a { color: var(--ink); font-weight: 500; font-size: 15px; }
.nav a:hover { color: var(--blue); }
.nav a[aria-current="page"] { color: var(--blue); }
.nav .btn, .nav .btn[aria-current="page"] { color: var(--teal); }
.nav .btn:hover { color: var(--teal); }
.nav .btn:hover .cursor { border-left-color: var(--teal); }
.nav-toggle { display: none; background: none; border: 1px solid var(--hair); border-radius: 6px; padding: 8px 12px; font: inherit; cursor: pointer; }

/* ---------- Buttons ---------- */
.btn {
  --pad: 14px 24px;
  display: inline-flex; align-items: center; gap: 10px;
  padding: var(--pad); font: inherit; font-weight: 600; font-size: 15px;
  border: 1px solid var(--blue); background: var(--blue); color: #fff;
  cursor: pointer; transition: background .15s, border-color .15s, color .15s;
}
.btn:hover { background: var(--blue-ink); border-color: var(--blue-ink); color:#fff; }
.btn--ghost { background: transparent; color: var(--blue); }
.btn--ghost:hover { background: var(--blue); color: #fff; }
/* teal cursor triangle points at the action */
.btn .cursor { width: 0; height: 0; border-style: solid; border-width: 6px 0 6px 9px; border-color: transparent transparent transparent var(--teal); }
.btn:hover .cursor { border-left-color: #fff; }

/* ---------- Hero ---------- */
.hero { padding: clamp(56px, 9vw, 120px) 0; }
.hero .grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: clamp(24px, 5vw, 72px); align-items: center; }
.hero-figure {
  aspect-ratio: 4 / 3; background: var(--surface-2);
  border: 1px solid var(--hair); position: relative; overflow: hidden;
}
/* ledger-grid motif inside figure placeholder */
.hero-figure::before {
  content: ""; position: absolute; inset: 0;
  background-image: linear-gradient(var(--hair) 1px, transparent 1px),
                    linear-gradient(90deg, var(--hair) 1px, transparent 1px);
  background-size: 40px 40px; opacity: .7;
}
.hero-figure .mark {
  position: absolute; inset: 0; display: grid; place-items: center; color: var(--ink-soft);
  font-size: 13px; letter-spacing: .14em; text-transform: uppercase;
}
.hero-figure--img::before { display: none; }
.hero-figure--img img { width: 100%; height: 100%; object-fit: contain; background: #fff; }
.hero-figure--photo::before { display: none; }
.hero-figure--photo img { width: 100%; height: 100%; object-fit: cover; display: block; }
.hero .cta-row { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 32px; }
.trust { margin-top: 20px; font-size: 13px; color: var(--ink-soft); letter-spacing: .04em; }

/* ---------- Offer cards (ledger rows) ---------- */
.offers { display: grid; gap: 0; border-top: 1px solid var(--hair); }
.offer {
  display: grid; grid-template-columns: 56px 1fr auto; gap: 24px; align-items: start;
  padding: 36px 0; border-bottom: 1px solid var(--hair);
}
.offer .no { color: var(--blue); font-weight: 800; font-size: 15px; padding-top: 4px; }
.offer h3 { margin-bottom: 8px; }
.offer p { margin: 0 0 6px; color: var(--ink-soft); }
.offer .xyz { color: var(--ink); font-size: 15px; max-width: 60ch; }
.offer .go { align-self: center; white-space: nowrap; }

/* ---------- Two-col content ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(28px, 5vw, 72px); align-items: start; }
.stack > * + * { margin-top: 20px; }
.checklist { list-style: none; padding: 0; margin: 0; }
.checklist li { position: relative; padding-left: 28px; margin: 0 0 14px; max-width: var(--measure); }
.checklist li::before {
  content: ""; position: absolute; left: 0; top: 9px;
  width: 0; height: 0; border-style: solid; border-width: 5px 0 5px 8px;
  border-color: transparent transparent transparent var(--teal);
}

/* ---------- Stat / pullquote ---------- */
.stat { border-left: 3px solid var(--teal); padding: 6px 0 6px 22px; margin: 8px 0; }
.stat .big { font-size: clamp(30px, 5vw, 48px); font-weight: 800; letter-spacing: -0.02em; }
.stat small { color: var(--ink-soft); font-size: 14px; }
.stat .source { display: block; margin-top: 6px; font-size: 12px; font-style: italic; color: var(--ink-soft); }

/* ---------- Disclosure ---------- */
.disclosure { color: var(--ink-soft); font-size: 13px; line-height: 1.65; }
.disclosure p { max-width: none; margin: 0 0 12px; }
.disclosure a { color: var(--ink-soft); text-decoration: underline; }

/* ---------- Form ---------- */
.form { display: grid; gap: 18px; max-width: 560px; }
.field { display: grid; gap: 6px; }
.field label { font-size: 13px; font-weight: 600; letter-spacing: .02em; }
.field input, .field textarea {
  font: inherit; padding: 13px 14px; border: 1px solid var(--hair);
  background: #fff; color: var(--ink); border-radius: 0;
}
.field input:focus, .field textarea:focus { outline: 2px solid var(--blue); outline-offset: -1px; border-color: var(--blue); }
.field textarea { min-height: 130px; resize: vertical; }

/* ---------- NAP / hours ---------- */
.nap { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; }
.hours dl { display: grid; grid-template-columns: auto 1fr; gap: 4px 20px; margin: 0; font-size: 15px; }
.hours dt { color: var(--ink-soft); }
.hours dd { margin: 0; }

/* ---------- Footer ---------- */
.site-foot { border-top: 1px solid var(--hair); background: var(--surface-2); }
.site-foot .cols { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 40px; padding: 56px 0; }
.site-foot h4 { font-size: 12px; letter-spacing: .16em; text-transform: uppercase; color: var(--ink-soft); font-weight: 700; }
.site-foot ul { list-style: none; padding: 0; margin: 0; }
.site-foot li { margin: 0 0 10px; }
.site-foot a { color: var(--ink); font-size: 15px; }
.site-foot a:hover { color: var(--blue); }
.foot-legal { border-top: 1px solid var(--hair); padding: 28px 0; }

/* ---------- Responsive ---------- */
@media (max-width: 860px) {
  .hero .grid, .split, .nap { grid-template-columns: 1fr; }
  .site-foot .cols { grid-template-columns: 1fr 1fr; }
  .offer { grid-template-columns: 40px 1fr; }
  .offer .go { grid-column: 1 / -1; margin-top: 8px; }
  .nav { display: none; }
  .nav.open { display: flex; position: absolute; top: 76px; left: 0; right: 0; flex-direction: column; gap: 0; background: #fff; border-bottom: 1px solid var(--hair); padding: 8px var(--gut) 16px; }
  .nav.open a { padding: 12px 0; border-bottom: 1px solid var(--hair); }
  .nav-toggle { display: inline-block; }
}
@media (max-width: 520px) {
  .site-foot .cols { grid-template-columns: 1fr; }
}

@media print {
  @page {
    margin: 0.5in 0.4in;
    size: letter;
  }

  html {
    scroll-behavior: auto;
  }

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

  .site-head {
    position: static;
    background: #fff;
    backdrop-filter: none;
  }

  .nav-toggle {
    display: none !important;
  }

  .btn {
    color: #fff !important;
    text-decoration: none;
  }

  .btn--ghost {
    color: var(--blue) !important;
  }

  .hero,
  .section,
  .site-foot .cols,
  .foot-legal {
    page-break-inside: avoid;
    break-inside: avoid;
  }

  .hero {
    padding-top: 36px;
    padding-bottom: 36px;
  }

  .section {
    padding-top: 36px;
    padding-bottom: 36px;
  }
}