/* ==========================================================================
   NEW EIC — New England Investment Consulting Group
   Shared stylesheet. No external dependencies (no CDN fonts, no frameworks).
   ========================================================================== */

/* --- Design tokens ------------------------------------------------------ */
:root {
  /* Brand navy sampled from the company logo mark. */
  --navy-900: #0e1a4a;
  --navy-800: #16265f;
  --navy-700: #1b2e7a;   /* primary brand */
  --navy-600: #2a3f96;
  --navy-500: #3d54b0;
  --navy-300: #8b9ad4;
  --navy-100: #e6eaf6;
  --navy-50:  #f4f6fc;

  --accent:   #b8912f;   /* restrained gold, used sparingly as a rule/underline */
  --accent-l: #d4af52;

  --ink:      #14181f;
  --ink-2:    #3d4552;
  --ink-3:    #667085;
  --line:     #e3e7ef;
  --bg:       #ffffff;
  --bg-alt:   #f7f9fc;

  /* Content width scales with the viewport instead of stopping at a fixed
     1140px, so ultrawide displays fill out rather than showing a narrow column
     in a sea of margin. Capped at 1760px so line length stays readable. */
  --maxw:     min(92vw, 1760px);
  --gut:      clamp(1.25rem, 3.5vw, 4rem);

  /* Fluid type scale. Institutional finance sites (BlackRock, Morgan Stanley,
     Citadel) run large, tightly-tracked display sizes over generous whitespace.
     Sized up again: the ceilings now assume a wide desktop, and the vw term
     keeps growing type with the viewport rather than flattening at 1140px. */
  --fs-hero:  clamp(3rem, 1.5rem + 5.4vw, 6.5rem);
  --fs-h1:    clamp(2.5rem, 1.5rem + 3.6vw, 4.5rem);
  --fs-h2:    clamp(2rem, 1.45rem + 2.3vw, 3.25rem);
  --fs-h3:    clamp(1.32rem, 1.15rem + 0.75vw, 1.75rem);
  --fs-body:  clamp(1.125rem, 1.05rem + 0.36vw, 1.32rem);
  --fs-sm:    clamp(1rem, 0.96rem + 0.2vw, 1.12rem);
  --fs-xs:    clamp(0.85rem, 0.82rem + 0.13vw, 0.94rem);

  /* One neo-grotesque family for everything — headings and UI alike.
     This is the defining convention of institutional finance on the web:
     BlackRock ships "BLK Fort" and Akkurat, Bloomberg uses Avenir-class
     geometrics, Citadel and Morgan Stanley are grotesque throughout. None
     of them set headings in a serif. Inter is the closest freely-available
     match to Akkurat/Fort and is already present on many machines; the stack
     falls through Helvetica Neue to Arial so it degrades to a grotesque
     rather than to Times. */
  --sans:  Inter, "Inter Variable", "SF Pro Display", -apple-system,
           BlinkMacSystemFont, "Helvetica Neue", Helvetica, "Segoe UI",
           Roboto, Arial, "PingFang SC", "Hiragino Sans GB",
           "Microsoft YaHei", sans-serif;

  /* Display alias — same family, distinct token so headline treatment can be
     retuned later without touching body copy. */
  --display: var(--sans);

  /* Numerals and technical labels. Terminal-adjacent, used for eyebrows,
     stat labels, metadata and table-like figures. */
  --mono: "SF Mono", "IBM Plex Mono", "JetBrains Mono", "Roboto Mono",
          ui-monospace, Menlo, Consolas, monospace;

  /* Legal-name wordmark. A humanist/transitional serif sets the registered
     entity name apart from the grotesque UI — the convention private banks and
     trust companies use for the formal name beneath a logo. Optima leads
     (humanist, flared stems, no heavy serifs) with Palatino and Charter behind
     it, so the name reads as engraved rather than as body copy. */
  --wordmark: Optima, "Optima nova", Candara, "Gill Sans", "Gill Sans MT",
              "Palatino Linotype", Palatino, Charter, "Songti SC",
              Georgia, serif;

  /* Flat by default. Institutional sites separate surfaces with hairline rules
     and background steps rather than drop shadows; shadows appear only on
     transient layers such as the dropdown menu. */
  --shadow-sm: none;
  --shadow-md: 0 1px 2px rgba(10, 22, 60, .08), 0 8px 24px rgba(10, 22, 60, .10);

  /* Near-square. Rounded cards are the single strongest "generic web app"
     signal; 2px keeps edges from looking accidental without reading as soft. */
  --radius: 2px;
}

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

html {
  -webkit-text-size-adjust: 100%; scroll-behavior: smooth;
  /* Nothing on this site should scroll the page sideways. */
  overflow-x: hidden;
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .01ms !important;
  }
}

body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: var(--sans);
  font-size: var(--fs-body);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  font-feature-settings: "kern" 1, "liga" 1;
}

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

/* Grotesque display type: tight tracking, tight leading, high weight.
   The negative tracking is what makes large sans headings read as designed
   rather than as default browser output. */
h1, h2, h3, h4 {
  font-family: var(--display);
  color: var(--navy-900);
  line-height: 1.08;
  letter-spacing: -0.032em;
  margin: 0 0 .55em;
  font-weight: 700;
  text-wrap: balance;
}
h2 { letter-spacing: -0.028em; }
h3, h4 {
  letter-spacing: -0.015em;
  line-height: 1.25;
  font-weight: 650;
}

p { margin: 0 0 1.15em; }
p:last-child { margin-bottom: 0; }

a { color: var(--navy-700); text-underline-offset: 3px; }
a:hover { color: var(--navy-500); }

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

.skip-link {
  position: absolute; left: -9999px; top: 0;
  background: var(--navy-800); color: #fff;
  padding: .7rem 1.1rem; z-index: 200; border-radius: 0 0 var(--radius) 0;
}
.skip-link:focus { left: 0; color: #fff; }

/* --- Layout primitives -------------------------------------------------- */
.wrap { max-width: var(--maxw); margin-inline: auto; padding-inline: var(--gut); }
/* Reading column for legal copy and disclosures — grows a little on wide
   screens but stays within a comfortable measure. */
.wrap-narrow {
  max-width: min(88vw, 900px); margin-inline: auto; padding-inline: var(--gut);
}

section { padding-block: clamp(3.25rem, 6.5vw, 7.5rem); }
section.tight { padding-block: clamp(2.25rem, 4vw, 4rem); }
.bg-alt { background: var(--bg-alt); border-block: 1px solid var(--line); }

/* Mono + uppercase + wide tracking is wide: the full legal name runs ~44
   characters, which overflows a 390px viewport. Allow it to wrap and ease the
   tracking on narrow screens rather than letting it force a horizontal scroll. */
.eyebrow {
  font-family: var(--mono);
  font-size: var(--fs-xs);
  font-weight: 600;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--navy-600);
  margin: 0 0 .95rem;
  overflow-wrap: anywhere;
}
@media (max-width: 640px) {
  .eyebrow { letter-spacing: .08em; font-size: .75rem; }
}

.lede {
  font-size: clamp(1.25rem, 1.1rem + .72vw, 1.75rem);
  line-height: 1.54;
  letter-spacing: -.008em;
  color: var(--ink-2);
}

/* Measures grow with the viewport so headings don't sit in a narrow column on
   a wide container, but stay inside a readable ch-based ceiling. */
.section-head { max-width: min(52ch, 100%); margin-bottom: clamp(2.25rem, 4vw, 3.5rem); }
/* Centred heads need a wider measure than left-aligned ones — the same copy
   wraps more raggedly when centred. */
.section-head.center { max-width: min(62ch, 100%); margin-inline: auto; text-align: center; }

.rule {
  width: 44px; height: 3px; border: 0; margin: 0 0 1.5rem;
  background: var(--accent);
}
.section-head.center .rule { margin-inline: auto; }

/* --- Header / navigation ------------------------------------------------ */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255, 255, 255, .92);
  backdrop-filter: saturate(180%) blur(12px);
  -webkit-backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid var(--line);
}

.nav {
  display: flex; align-items: center; justify-content: space-between;
  gap: 1.5rem; min-height: clamp(70px, 5.5vw, 92px);
}

.brand { display: flex; align-items: center; gap: .75rem; text-decoration: none; flex-shrink: 0; }
.brand img { width: clamp(44px, 3.2vw, 56px); height: clamp(44px, 3.2vw, 56px); }
.brand-text { display: flex; flex-direction: column; line-height: 1.14; }
.brand-name {
  font-family: var(--display);
  font-size: clamp(1.32rem, 1.2rem + .42vw, 1.62rem); font-weight: 750;
  color: var(--navy-900); letter-spacing: -.005em;
}
.brand-sub {
  font-family: var(--wordmark);
  font-size: clamp(.82rem, .76rem + .2vw, .96rem); letter-spacing: .05em;
  color: var(--ink-3); font-weight: 600; white-space: nowrap;
  font-style: italic;
}
/* The full legal name is long; drop it on narrow screens rather than wrapping
   the lockup. The footer always carries the complete name. */
@media (max-width: 460px) { .brand-sub { display: none; } }

.nav-links { display: flex; align-items: center; gap: .35rem; list-style: none; margin: 0; padding: 0; }

/* Nav items sit on a baseline rule rather than in pill-shaped hover chips —
   the underline-on-hover pattern used across institutional finance nav bars. */
.nav-links > li > a,
.nav-links > li > .sub-toggle {
  position: relative;
}
.nav-links > li > a::after,
.nav-links > li > .sub-toggle::after {
  content: ""; position: absolute; left: .85rem; right: .85rem; bottom: .32rem;
  height: 2px; background: var(--navy-700);
  transform: scaleX(0); transform-origin: left;
  transition: transform .2s ease;
}
.nav-links > li > a:hover::after,
.nav-links > li > .sub-toggle:hover::after,
.nav-links > li > a[aria-current="page"]::after { transform: scaleX(1); }

.nav-links a {
  display: block; padding: .6rem .85rem 1rem; border-radius: 0;
  font-size: clamp(.9rem, .84rem + .18vw, 1.02rem); font-weight: 550;
  color: var(--ink-2); text-decoration: none;
  letter-spacing: .012em;
  transition: color .15s ease;
  white-space: nowrap;
}
.nav-links a:hover { color: var(--navy-900); background: transparent; }
.nav-links a[aria-current="page"] { color: var(--navy-900); font-weight: 650; }

/* Dropdown — CSS/JS hybrid: hover on desktop, click-toggle for keyboard & touch */
.has-sub { position: relative; }
.sub-toggle {
  display: inline-flex; align-items: center; gap: .38rem;
  font: inherit; font-size: clamp(.9rem, .84rem + .18vw, 1.02rem); font-weight: 550;
  background: none; border: 0; cursor: pointer;
  padding: .6rem .85rem 1rem; border-radius: 0; color: var(--ink-2);
  font-family: var(--sans); letter-spacing: .012em;
}
.sub-toggle:hover { color: var(--navy-900); background: transparent; }
.sub-toggle .chev {
  width: 8px; height: 8px; border-right: 1.6px solid currentColor;
  border-bottom: 1.6px solid currentColor; transform: rotate(45deg) translate(-1px, -1px);
  transition: transform .18s ease;
}
.has-sub[data-open="true"] .chev { transform: rotate(-135deg) translate(-2px, -2px); }

/* Square panel, flush to the header, with a brand rule across the top edge. */
.submenu {
  position: absolute; top: 100%; left: 0; min-width: 248px;
  background: #fff; border: 1px solid var(--line); border-top: 2px solid var(--navy-700);
  border-radius: 0;
  box-shadow: var(--shadow-md); padding: .35rem 0; margin: 0; list-style: none;
  opacity: 0; visibility: hidden; transform: translateY(-4px);
  transition: opacity .16s ease, transform .16s ease, visibility .16s;
}
.has-sub:hover .submenu,
.has-sub:focus-within .submenu,
.has-sub[data-open="true"] .submenu {
  opacity: 1; visibility: visible; transform: translateY(0);
}
/* Submenu rows are full-bleed with a left accent bar on hover — reads like a
   terminal menu rather than a rounded app popover. */
.submenu a {
  padding: .72rem 1.1rem; font-size: .875rem; border-radius: 0;
  border-left: 2px solid transparent;
  transition: background-color .14s ease, border-color .14s ease, color .14s ease;
}
.submenu a::after { display: none; }
.submenu a:hover {
  background: var(--navy-50); border-left-color: var(--accent); color: var(--navy-900);
}

/* Mobile nav toggle */
.nav-toggle {
  display: none; background: none; border: 1px solid var(--line);
  border-radius: 0; padding: .55rem .65rem; cursor: pointer; line-height: 0;
}
.nav-toggle span {
  display: block; width: 19px; height: 2px; background: var(--navy-800);
  border-radius: 2px; transition: transform .2s ease, opacity .2s ease;
}
.nav-toggle span + span { margin-top: 4px; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }

@media (max-width: 860px) {
  .nav-toggle { display: block; }
  .nav-links {
    position: absolute; top: 100%; left: 0; right: 0;
    flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow-md);
    padding: .5rem var(--gut) 1rem;
    display: none;
  }
  .nav-links[data-open="true"] { display: flex; }
  .nav-links > li { border-bottom: 1px solid var(--line); }
  .nav-links > li:last-child { border-bottom: 0; }
  .nav-links a, .sub-toggle { padding: .95rem .25rem; width: 100%; text-align: left; }
  .sub-toggle { justify-content: space-between; }
  /* Underline indicator is a desktop affordance only. */
  .nav-links > li > a::after, .nav-links > li > .sub-toggle::after { display: none; }
  .submenu {
    position: static; opacity: 1; visibility: visible; transform: none;
    box-shadow: none; border: 0; border-top: 0; border-radius: 0;
    padding: 0 0 .5rem; display: none; min-width: 0;
  }
  .submenu a {
    padding: .7rem .25rem .7rem .95rem;
    border-left: 2px solid var(--line);
  }
  .submenu a:hover { background: transparent; }
  .has-sub[data-open="true"] .submenu { display: block; }
}

/* --- Buttons ------------------------------------------------------------ */
/* Square, uppercase, tracked-out CTAs — the institutional convention. Solid
   fill for primary actions, hairline outline for secondary ("ghost"), matching
   how BlackRock/Morgan Stanley separate "Open account" from "Learn more".
   No translate-on-press and no shadow: the press state is a colour shift. */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .55rem;
  padding: clamp(1.02rem, .9rem + .4vw, 1.3rem) clamp(2rem, 1.6rem + 1.1vw, 2.75rem);
  border-radius: 0; border: 1px solid transparent;
  font-size: clamp(.8125rem, .77rem + .15vw, .92rem);
  font-weight: 650; text-decoration: none; cursor: pointer;
  font-family: var(--sans);
  text-transform: uppercase; letter-spacing: .1em; line-height: 1;
  transition: background-color .18s ease, color .18s ease, border-color .18s ease;
}

.btn-primary { background: var(--navy-700); color: #fff; border-color: var(--navy-700); }
.btn-primary:hover { background: var(--navy-900); border-color: var(--navy-900); color: #fff; }

.btn-ghost { background: transparent; color: var(--navy-700); border-color: var(--navy-700); }
.btn-ghost:hover { background: var(--navy-700); border-color: var(--navy-700); color: #fff; }

.btn-on-dark { background: #fff; color: var(--navy-900); border-color: #fff; }
.btn-on-dark:hover { background: transparent; color: #fff; border-color: #fff; }

.btn-outline-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.55); }
.btn-outline-light:hover { background: #fff; border-color: #fff; color: var(--navy-900); }

.btn-row { display: flex; flex-wrap: wrap; gap: .85rem; }

/* Below ~420px two CTAs cannot sit side by side at this padding; stack them
   full-width rather than letting the second one overflow. */
@media (max-width: 420px) {
  .btn-row { flex-direction: column; align-items: stretch; }
  .btn { width: 100%; padding-inline: 1rem; }
}

/* Inline text link with a trailing arrow — used in card footers. Underline on
   hover only, so card interiors stay quiet until touched. */
.card-link a, .report-link a {
  font-family: var(--sans);
  text-transform: uppercase; letter-spacing: .085em;
  font-size: .78rem; font-weight: 650; text-decoration: none;
  color: var(--navy-700);
  border-bottom: 1px solid transparent; padding-bottom: 2px;
  transition: border-color .16s ease, color .16s ease;
}
.card-link a:hover, .report-link a:hover {
  color: var(--navy-900); border-bottom-color: var(--accent); text-decoration: none;
}

/* --- Hero (pure CSS/SVG — no stock photography) ------------------------- */
/* Deep, near-flat navy field. The old version layered two coloured radial
   glows over a diagonal gradient, which reads as a marketing template; this
   keeps a single subtle lift so the panel still has depth on large screens. */
.hero {
  position: relative; overflow: hidden; isolation: isolate;
  background:
    radial-gradient(ellipse 85% 75% at 80% 0%, rgba(45, 66, 150, .34), transparent 66%),
    linear-gradient(175deg, var(--navy-900) 0%, #101d52 100%);
  color: #fff;
  padding-block: clamp(4.25rem, 10vw, 8rem);
  border-bottom: 3px solid var(--accent);
}

/* Fine grid overlay — evokes a plotting surface without imagery. */
.hero::before {
  content: ""; position: absolute; inset: 0; z-index: -2;
  background-image:
    linear-gradient(rgba(255,255,255,.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.05) 1px, transparent 1px);
  background-size: 62px 62px;
  mask-image: radial-gradient(ellipse 78% 92% at 50% 40%, #000 32%, transparent 78%);
  -webkit-mask-image: radial-gradient(ellipse 78% 92% at 50% 40%, #000 32%, transparent 78%);
}

.hero .wrap { position: relative; z-index: 1; }

.hero-grid {
  display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr);
  gap: clamp(2rem, 5vw, 4rem); align-items: center;
}
@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; gap: 2.5rem; }
}

.hero h1 {
  color: #fff; font-size: var(--fs-hero); margin-bottom: .45em;
  letter-spacing: -0.038em; line-height: 1.03; text-wrap: balance;
}
.hero .eyebrow {
  color: var(--accent-l);
  padding-bottom: 1.1rem; margin-bottom: 1.4rem;
  border-bottom: 1px solid rgba(255,255,255,.16);
  display: block;
}
.hero p.lede { color: rgba(255,255,255,.84); max-width: 44ch; }
.hero .btn-row { margin-top: 2.35rem; }

/* Decorative chart figure */
.hero-figure {
  position: relative; border-radius: 0; padding: 1.5rem 1.6rem 1.3rem;
  background: rgba(255,255,255,.045);
  border: 1px solid rgba(255,255,255,.14);
  border-top: 2px solid var(--accent);
}
.hero-figure figcaption {
  font-family: var(--mono);
  font-size: var(--fs-xs); color: rgba(255,255,255,.62);
  letter-spacing: .07em; text-transform: uppercase; font-weight: 500;
  margin-bottom: .9rem;
}
.hero-figure .note {
  margin-top: .9rem; font-size: .72rem; line-height: 1.5;
  color: rgba(255,255,255,.5);
}
@media (max-width: 900px) { .hero-figure { max-width: 520px; } }

.spark-line { fill: none; stroke-width: 2.25; stroke-linecap: round; stroke-linejoin: round; }

/* --- Stats -------------------------------------------------------------- */
.stat-grid {
  display: grid; gap: clamp(1rem, 2.5vw, 1.75rem);
  grid-template-columns: repeat(auto-fit, minmax(210px, 1fr));
}
/* Stats read as a data row: a heavy rule above each figure, no box. */
.stat {
  background: transparent; border: 0; border-top: 3px solid var(--navy-800);
  border-radius: 0; padding: 1.5rem 0 0;
}
.stat .num {
  font-family: var(--display); font-size: clamp(3rem, 1.9rem + 3.6vw, 5rem);
  font-weight: 700; color: var(--navy-700); line-height: .95; margin-bottom: .5rem;
  display: block; letter-spacing: -0.045em;
  font-variant-numeric: lining-nums tabular-nums;
}
.stat .label {
  font-family: var(--mono);
  font-size: var(--fs-xs); font-weight: 600; letter-spacing: .1em;
  text-transform: uppercase; color: var(--ink-3); margin-bottom: .65rem;
}
.stat p { font-size: var(--fs-sm); color: var(--ink-2); margin: 0; }

/* --- Cards -------------------------------------------------------------- */
.card-grid {
  display: grid; gap: clamp(1.1rem, 2vw, 2rem);
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 300px), 1fr));
}
.card-grid.two { grid-template-columns: repeat(auto-fit, minmax(min(100%, 380px), 1fr)); }
/* Hold the three-across rhythm on very wide screens rather than letting
   auto-fit spawn a fourth, narrower column.
   `.two` sets a wider minimum for two-up rows, but several pages reuse it with
   three cards; :has() lets an exact-3 grid go three-across so the last card is
   not stranded on its own row. Browsers without :has() keep the auto-fit
   behaviour above, which is a reasonable fallback. */
@media (min-width: 1500px) {
  .card-grid { grid-template-columns: repeat(3, 1fr); }
  .card-grid.two { grid-template-columns: repeat(2, 1fr); }
  .card-grid.two:has(> :nth-child(3)):not(:has(> :nth-child(4))) {
    grid-template-columns: repeat(3, 1fr);
  }
}

/* Flat card with a hairline border. Hover reveals a brand rule along the top
   edge instead of lifting the card — no float, no shadow bloom. */
.card {
  position: relative;
  display: flex; flex-direction: column;
  background: #fff; border: 1px solid var(--line); border-radius: 0;
  padding: 1.9rem 1.75rem;
  transition: border-color .18s ease, background-color .18s ease;
}
.card::before {
  content: ""; position: absolute; top: -1px; left: -1px; right: -1px; height: 3px;
  background: var(--navy-700);
  transform: scaleX(0); transform-origin: left;
  transition: transform .22s ease;
}
.card:hover { border-color: var(--navy-300); }
.card:hover::before { transform: scaleX(1); }
/* Cap the measure inside a card so text does not run the full width of a very
   wide column on large displays. */
.card p { max-width: 56ch; }
.card h3 { font-size: var(--fs-h3); margin-bottom: .6rem; }
.card p { font-size: var(--fs-sm); color: var(--ink-2); }
.card .card-link { margin-top: auto; padding-top: 1.15rem; font-size: var(--fs-sm); font-weight: 600; }

.card-icon {
  width: 40px; height: 40px; border-radius: 0; margin-bottom: 1.15rem;
  display: grid; place-items: center;
  background: transparent; border: 1px solid var(--navy-300);
  color: var(--navy-700); flex-shrink: 0;
  transition: background-color .18s ease, color .18s ease, border-color .18s ease;
}
.card:hover .card-icon {
  background: var(--navy-700); border-color: var(--navy-700); color: #fff;
}
.card-icon svg { width: 20px; height: 20px; }

/* Numbered strategy cards */
.card .idx {
  font-family: var(--mono); font-size: .92rem; font-weight: 600;
  color: var(--accent); letter-spacing: .1em; margin-bottom: .55rem;
}

/* --- Feature rows (alternating) ---------------------------------------- */
.feature-row {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: clamp(1.75rem, 4vw, 3.5rem); align-items: center;
}
.feature-row + .feature-row { margin-top: clamp(2.75rem, 6vw, 4.5rem); }
@media (min-width: 861px) {
  .feature-row.reverse > *:first-child { order: 2; }
}

/* Flat tinted block, square, with a brand rule on the leading edge. */
.panel {
  border-radius: 0; padding: clamp(1.8rem, 3vw, 2.5rem);
  background: var(--navy-50);
  border: 1px solid var(--navy-100); border-left: 3px solid var(--navy-700);
}
.panel ul { margin: 0; padding-left: 0; list-style: none; }
.panel li {
  margin-bottom: .95rem; font-size: var(--fs-sm); color: var(--ink-2);
  padding-left: 1.15rem; position: relative;
}
.panel li::before {
  content: ""; position: absolute; left: 0; top: .62em;
  width: 5px; height: 5px; background: var(--accent);
}
.panel li:last-child { margin-bottom: 0; }
.panel li strong { color: var(--navy-800); }

/* --- Research report list ---------------------------------------------- */
.report-grid {
  display: grid; gap: clamp(1.1rem, 2vw, 1.9rem);
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 320px), 1fr));
}
@media (min-width: 1500px) {
  .report-grid { grid-template-columns: repeat(3, 1fr); }
}

.report {
  display: flex; flex-direction: column;
  background: #fff; border: 1px solid var(--line); border-radius: 0;
  overflow: hidden;
  transition: border-color .18s ease;
}
.report:hover { border-color: var(--navy-700); }

/* Generated cover plate — replaces the licensed stock imagery. */
.report-cover {
  position: relative; aspect-ratio: 16 / 9; overflow: hidden;
  background: linear-gradient(145deg, var(--navy-800), var(--navy-600));
  display: grid; place-items: center;
}
.report-cover::after {
  content: ""; position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.055) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.055) 1px, transparent 1px);
  background-size: 34px 34px;
}
.report-cover .tag {
  position: relative; z-index: 1;
  font-family: var(--display); font-weight: 700;
  font-size: clamp(1.35rem, 1rem + 1.5vw, 1.95rem);
  color: rgba(255,255,255,.96); letter-spacing: -.02em; text-align: center;
  padding-inline: 1rem;
}
.report-cover.alt { background: linear-gradient(145deg, #1d3170, var(--navy-500)); }
.report-cover.gold { background: linear-gradient(145deg, var(--navy-800), #6b5a2e); }

.report-body { padding: 1.55rem 1.5rem 1.65rem; display: flex; flex-direction: column; flex: 1; }
.report-meta {
  font-family: var(--mono);
  font-size: .775rem; font-weight: 500; letter-spacing: .075em;
  text-transform: uppercase; color: var(--ink-3); margin-bottom: .6rem;
}
.report h3 { font-size: 1.32rem; margin-bottom: .55rem; }
.report p { font-size: var(--fs-sm); color: var(--ink-2); }
.report .report-link { margin-top: auto; padding-top: 1.1rem; }
.report .report-link a {
  font-size: var(--fs-sm); font-weight: 600; text-decoration: none;
  display: inline-flex; align-items: center; gap: .4rem;
}
.report .report-link a:hover { text-decoration: underline; }
.report .report-link svg { width: 15px; height: 15px; flex-shrink: 0; }

/* --- Contact ------------------------------------------------------------ */
.contact-card {
  background: #fff; border: 1px solid var(--line); border-top: 3px solid var(--navy-700);
  border-radius: 0;
  padding: clamp(1.9rem, 3.5vw, 3rem);
  text-align: center;
}
.contact-email {
  display: inline-block; font-family: var(--display);
  font-size: clamp(1.25rem, 1rem + 1.2vw, 1.75rem);
  font-weight: 700; color: var(--navy-700); letter-spacing: -.025em;
  text-decoration: none; word-break: break-word; margin-block: .4rem 1.4rem;
  border-bottom: 2px solid var(--accent); padding-bottom: .2rem;
}
.contact-email:hover { color: var(--navy-900); border-color: var(--navy-900); }

/* --- CTA band ----------------------------------------------------------- */
.cta {
  background: var(--navy-900);
  border-top: 3px solid var(--accent);
  color: #fff; text-align: center;
}
.cta h2 { color: #fff; }
.cta p { color: rgba(255,255,255,.82); max-width: 60ch; margin-inline: auto; }
.cta .btn-row { justify-content: center; margin-top: 1.85rem; }

/* --- Compliance / disclosure -------------------------------------------- */
/* Disclosures sit in `.wrap`, so their left edge lines up with the headings,
   cards and footer above them. The text measure is capped inside the box
   instead of by narrowing the box itself — that keeps legal copy readable on
   wide screens without leaving the panel floating unaligned mid-page. */
.disclosure {
  border: 1px solid var(--line); border-left: 3px solid var(--ink-3);
  background: var(--bg-alt);
  padding: clamp(1.35rem, 1.1rem + .8vw, 2rem) clamp(1.5rem, 1.2rem + 1vw, 2.25rem);
  border-radius: 0;
  font-size: .95rem; line-height: 1.66;
  color: var(--ink-2);
}
.disclosure > * { max-width: 92ch; }
.disclosure strong { color: var(--navy-800); }
.disclosure + .disclosure { margin-top: 1rem; }

.legal-body h2 { font-size: var(--fs-h2); margin-top: 2.5rem; }
.legal-body h2:first-of-type { margin-top: 0; }
.legal-body h3 { font-size: var(--fs-h3); margin-top: 1.75rem; }
.legal-body ul { padding-left: 1.25rem; }
.legal-body li { margin-bottom: .55rem; }

/* --- Footer ------------------------------------------------------------- */
.site-footer {
  background: var(--navy-900); color: rgba(255,255,255,.72);
  padding-block: clamp(2.75rem, 5vw, 4rem) 1.75rem;
  font-size: var(--fs-sm);
}
.footer-grid {
  display: grid; gap: 2.25rem;
  grid-template-columns: minmax(0, 1.6fr) repeat(auto-fit, minmax(140px, 1fr));
  padding-bottom: 2.25rem; border-bottom: 1px solid rgba(255,255,255,.13);
}
.footer-brand { display: flex; align-items: center; gap: .6rem; margin-bottom: 1rem; }
.footer-brand img {
  width: 38px; height: 38px; background: #fff; border-radius: 0; padding: 3px;
}
.footer-brand .brand-name { color: #fff; font-size: 1.24rem; }
.footer-brand .brand-sub { color: rgba(255,255,255,.55); white-space: normal; }
.site-footer p { color: rgba(255,255,255,.66); max-width: 42ch; font-size: var(--fs-sm); }

.footer-col h4 {
  color: #fff; font-family: var(--mono); font-size: var(--fs-xs);
  letter-spacing: .11em; text-transform: uppercase; margin-bottom: .95rem; font-weight: 600;
}
.footer-col ul { list-style: none; margin: 0; padding: 0; }
.footer-col li { margin-bottom: .55rem; }
.footer-col a { color: rgba(255,255,255,.72); text-decoration: none; }
.footer-col a:hover { color: #fff; text-decoration: underline; }

.footer-legal { padding-top: 1.6rem; }
.footer-legal p {
  font-size: .78rem; line-height: 1.62; color: rgba(255,255,255,.5);
  max-width: none; margin-bottom: .85rem;
}
.footer-legal .copyright {
  display: flex; flex-wrap: wrap; gap: .5rem 1.25rem;
  justify-content: space-between; align-items: center;
  margin-top: 1.35rem; padding-top: 1.2rem;
  border-top: 1px solid rgba(255,255,255,.1);
  font-size: .78rem; color: rgba(255,255,255,.5);
}
.footer-legal .copyright a { color: rgba(255,255,255,.62); }

/* --- Utilities ---------------------------------------------------------- */
.visually-hidden {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}
.text-center { text-align: center; }
.mt-lg { margin-top: clamp(2rem, 4vw, 3rem); }

/* --- Membership: pricing ------------------------------------------------- */

/* Narrower hero column for pages with no right-hand figure. */
.hero-narrow { max-width: min(62ch, 100%); }

/* Segmented monthly/annual control. Square, hairline, matching the buttons. */
.billing-toggle {
  display: inline-flex; border: 1px solid var(--line); background: #fff;
  margin: 0 auto clamp(2rem, 4vw, 3rem); border-radius: 0;
}
.billing-toggle { display: flex; width: fit-content; }
.billing-option {
  display: inline-flex; align-items: center; gap: .55rem;
  font-family: var(--sans); font-size: .8125rem; font-weight: 650;
  text-transform: uppercase; letter-spacing: .1em; line-height: 1;
  padding: .95rem 1.5rem; border: 0; background: transparent;
  color: var(--ink-3); cursor: pointer;
  transition: background-color .16s ease, color .16s ease;
}
.billing-option + .billing-option { border-left: 1px solid var(--line); }
.billing-option:hover { color: var(--navy-900); }
.billing-option.is-active { background: var(--navy-700); color: #fff; }
.save-badge {
  font-size: .68rem; letter-spacing: .06em; font-weight: 600;
  padding: .22rem .45rem; background: var(--accent); color: #fff;
  text-transform: none;
}
.billing-option.is-active .save-badge { background: rgba(255,255,255,.22); }

/* Stretch so both cards match height and their CTAs align, even though the
   tiers have different numbers of feature bullets. */
.plan-grid { align-items: stretch; }

.plan { padding-top: 2.15rem; position: relative; }
/* The recommended plan carries a permanent brand rule; the hover rule on
   .card would otherwise be the only differentiator. */
.plan-featured { border-color: var(--navy-700); }
.plan-featured::before { transform: scaleX(1); }

/* Sits flush in the card's top-right corner, overlapping the 3px brand rule
   that .plan-featured keeps permanently visible — hence the top offset. */
.plan-flag {
  position: absolute; top: 3px; right: 0;
  font-family: var(--mono); font-size: .68rem; font-weight: 600;
  letter-spacing: .1em; text-transform: uppercase;
  background: var(--navy-700); color: #fff !important; padding: .4rem .75rem;
  margin: 0; line-height: 1;
}

.plan-name {
  font-family: var(--mono); font-size: var(--fs-xs); font-weight: 600;
  letter-spacing: .12em; text-transform: uppercase;
  color: var(--navy-600); margin: 0 0 .9rem;
}
.plan-price { margin: 0 0 .35rem; display: flex; align-items: baseline; gap: .55rem; flex-wrap: wrap; }
.plan-amount {
  font-family: var(--display); font-weight: 700;
  font-size: clamp(2.6rem, 1.9rem + 2.4vw, 3.6rem);
  letter-spacing: -.045em; line-height: 1; color: var(--navy-900);
  font-variant-numeric: lining-nums tabular-nums;
}
.plan-period { font-size: var(--fs-sm); color: var(--ink-3); }
.plan-note { font-size: var(--fs-sm); color: var(--ink-3); margin: 0 0 1.6rem; }

/* Absorbs the height difference between tiers so the trial line and CTA below
   it stay aligned across cards. */
.plan-features { margin-bottom: 1.5rem; flex: 1; }
.plan-features ul { font-size: var(--fs-sm); }

.plan-trial {
  font-family: var(--mono); font-size: .78rem; font-weight: 600;
  letter-spacing: .06em; text-transform: uppercase;
  color: var(--accent); margin: 0 0 1.35rem;
}
.plan-trial-none { color: var(--ink-3); }

.plan-cta { margin-top: auto; }
.plan-cta .btn { width: 100%; }

.plan-footnote {
  font-size: var(--fs-sm); color: var(--ink-3);
  max-width: 70ch; margin: clamp(1.75rem, 3vw, 2.5rem) auto 0; text-align: center;
}

/* --- Print -------------------------------------------------------------- */
@media print {
  .site-header, .cta, .nav-toggle { display: none; }
  body { color: #000; }
  .hero { background: none; color: #000; }
  .hero h1, .cta h2 { color: #000; }
  .billing-toggle, .plan-cta { display: none; }
}