:root{
  --paper:#FFFFFF;
  --wash:#F7FAFC;
  --ice:#EAF4FB;
  --navy:#293A48;
  --deep:#1D2A36;
  --sky:#108FCF;
  --sky-deep:#0B729F;
  --rib-a:#4FB3E8;
  --rib-b:#0E77B8;
  --ink:#263644;
  --ink2:#243442;
  --muted:#5D6F81;
  --line:#E2EAF0;
  --line2:#C9D6E1;
  --gold:#C9A24B;
  --sh-sm:0 1px 3px rgba(41,58,72,.06);
  --sh-md:0 12px 34px rgba(41,58,72,.10);
  --sh-lg:0 26px 64px rgba(41,58,72,.15);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family:'Inter',system-ui,sans-serif;
  color:var(--ink2);background:var(--paper);
  line-height:1.68;font-size:16.5px;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
:focus-visible{outline:3px solid var(--sky);outline-offset:2px;border-radius:4px}
.container{max-width:1140px;margin:0 auto;padding:0 26px}

h1,h2,h3{
  font-family:'Fraunces',Georgia,serif;
  font-weight:500;line-height:1.12;color:var(--navy);
  letter-spacing:-.012em;
}
h1{font-size:clamp(2.5rem,5.4vw,4rem)}
h2{font-size:clamp(1.8rem,3.4vw,2.55rem);margin-bottom:16px}
h3{font-size:1.24rem;font-weight:550}
em, .it{font-style:italic}

.eyebrow{
  font-family:'Cinzel',serif;font-weight:600;
  font-size:.74rem;letter-spacing:.36em;text-transform:uppercase;
  color:var(--sky-deep);margin-bottom:18px;display:block;
}

/* Signature: the accountant's total rule (single rule over double rule) */
.ribbon{
  display:block;width:64px;height:8px;margin-bottom:22px;
  border-top:1.5px solid var(--navy);
  border-bottom:4px double var(--navy);
  background:none;transform:none;
}
.rule-total{
  border-bottom:4px double var(--line2);
  padding-bottom:14px;
}

.lead{color:var(--muted);font-size:1.09rem;max-width:640px}
.section{padding:100px 0}
.section.tinted{background:var(--wash)}

/* numbers set like a ledger */
.num{font-variant-numeric:tabular-nums lining-nums}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;gap:9px;
  font-weight:600;font-size:.94rem;font-family:'Inter',sans-serif;
  padding:13px 26px;border-radius:8px;border:none;cursor:pointer;
  transition:transform .18s,box-shadow .18s,background .18s,color .18s,border-color .18s;
  white-space:nowrap;letter-spacing:.01em;
}
.btn svg{width:16px;height:16px;flex-shrink:0}
.btn-sky{background:var(--sky);color:#fff;box-shadow:0 5px 16px rgba(16,143,207,.3)}
.btn-sky:hover{background:var(--sky-deep);transform:translateY(-2px)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--deep);transform:translateY(-2px)}
.btn-ghost{background:transparent;color:var(--navy);border:1.5px solid var(--line2)}
.btn-ghost:hover{border-color:var(--navy);transform:translateY(-2px)}

/* ---------- Nav ---------- */
.nav{
  position:sticky;top:0;z-index:100;
  background:rgba(255,255,255,.95);backdrop-filter:blur(12px);
  border-bottom:1px solid var(--line);
}
.nav-inner{
  display:flex;align-items:center;gap:32px;
  padding:14px 26px;max-width:1280px;margin:0 auto;
}
.nav-logo img{height:75px;width:auto}
.nav-menu{display:flex;align-items:center;gap:30px;list-style:none;margin-left:auto}
.nav-menu > li{position:relative}
.nav-menu > li > a{
  font-weight:600;font-size:.92rem;color:var(--navy);
  padding:10px 0;display:inline-flex;align-items:center;gap:5px;
  position:relative;
}
.nav-menu > li > a::after{
  content:"";position:absolute;left:0;bottom:4px;height:2px;width:0;
  background:var(--sky);transition:width .22s;
}
.nav-menu > li > a:hover::after{width:calc(100% - 16px)}
.nav-menu > li > a .chev{width:11px;height:11px;transition:transform .2s}
.nav-menu > li:hover > a .chev{transform:rotate(180deg)}
.dropdown{
  position:absolute;top:100%;left:-14px;min-width:260px;
  background:var(--paper);border:1px solid var(--line);border-radius:10px;
  box-shadow:var(--sh-md);padding:10px;
  opacity:0;visibility:hidden;transform:translateY(8px);
  transition:opacity .18s,transform .18s,visibility .18s;
}
.nav-menu li:hover > .dropdown,
.nav-menu li:focus-within > .dropdown{opacity:1;visibility:visible;transform:translateY(2px)}
.dropdown a{
  display:block;padding:9px 14px;border-radius:7px;
  font-size:.9rem;font-weight:500;color:var(--ink2);
}
.dropdown a:hover{background:var(--ice);color:var(--sky-deep)}
.dropdown .dd-sub{padding-left:26px;font-size:.85rem;color:var(--muted)}
.nav-actions{display:flex;align-items:center;gap:11px}
.nav-actions .btn{padding:10px 18px;font-size:.87rem}
.nav-toggle{display:none;background:none;border:none;cursor:pointer;padding:8px;margin-left:auto}
.nav-toggle span{display:block;width:24px;height:2.5px;background:var(--navy);margin:5px 0;border-radius:2px}

/* ---------- Home hero: typographic, with the logo's ribbon as one curve ---------- */
.hero{
  position:relative;overflow:hidden;
  padding:120px 0 90px;
  background:linear-gradient(180deg,#FDFEFF, #FFFFFF);
}
.hero-curve{
  position:absolute;inset:0;width:100%;height:100%;
  pointer-events:none;
}
.hero-curve svg{width:100%;height:100%}
.hero-inner{position:relative;max-width:880px}
.hero h1{margin-bottom:10px}
.hero h1 .accent{color:var(--sky);font-style:italic}
.hero .sub{
  font-family:'Fraunces',serif;font-style:italic;font-weight:400;
  font-size:clamp(1.25rem,2.4vw,1.6rem);color:var(--muted);
  margin-bottom:20px;
}
.hero .intro{color:var(--muted);max-width:560px;font-size:1.04rem;margin-bottom:38px}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap}
.hero-marks{margin-top:40px;display:flex;gap:30px;flex-wrap:wrap}
.mark{display:flex;align-items:center;gap:10px;font-size:.87rem;font-weight:600;color:var(--navy)}
.mark svg{width:18px;height:18px;color:var(--sky);flex-shrink:0}

/* ledger stats: figures closed with the total rule */
.ledger{
  margin-top:84px;
  display:grid;grid-template-columns:repeat(4,1fr);gap:0;
  border-top:1px solid var(--line);
}
.ledger .stat{padding:26px 26px 22px;border-right:1px solid var(--line);text-align:left}
.ledger .stat:last-child{border-right:none}
.ledger .n{
  font-family:'Fraunces',serif;font-weight:550;font-variant-numeric:tabular-nums;
  font-size:2.3rem;color:var(--navy);line-height:1.1;
  display:inline-block;
  border-bottom:4px double var(--line2);
  padding-bottom:8px;margin-bottom:10px;min-width:86px;
}
.ledger .n .u{color:var(--sky);font-size:1.25rem;font-weight:500}
.ledger .l{font-size:.83rem;font-weight:600;color:var(--muted)}

/* ---------- Interior page hero: light, editorial ---------- */
.page-hero{
  background:var(--wash);color:var(--navy);
  padding:78px 0 58px;border-bottom:1px solid var(--line);
  position:relative;overflow:hidden;
}
.page-hero::after{content:none}
.page-hero h1{color:var(--navy);font-size:clamp(2.2rem,4.4vw,3.2rem);
  display:inline-block;border-bottom:4px double var(--line2);padding-bottom:14px}
.page-hero .sub{color:var(--muted);font-family:'Fraunces',serif;font-style:italic;font-size:1.18rem;margin-top:16px;max-width:660px}
.page-hero .eyebrow{color:var(--sky-deep)}
.crumb{font-size:.8rem;color:var(--muted);margin-bottom:20px;display:block;letter-spacing:.04em}
.crumb a:hover{color:var(--sky-deep)}

/* ---------- Cards ---------- */
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-top:56px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:56px}
.card{
  background:var(--paper);border:1px solid var(--line);border-radius:12px;
  padding:34px 28px;position:relative;
  transition:transform .22s,box-shadow .22s,border-color .22s;
}
.card::after{
  content:"";position:absolute;left:0;right:0;top:-1px;height:3px;border-radius:12px 12px 0 0;
  background:linear-gradient(90deg,var(--rib-a),var(--rib-b));
  transform:scaleX(0);transform-origin:left;transition:transform .3s;
}
.card:hover{transform:translateY(-5px);box-shadow:var(--sh-md)}
.card:hover::after{transform:scaleX(1)}
.card h3{margin-bottom:10px}
.card p{font-size:.94rem;color:var(--muted)}
.card .more{
  display:inline-flex;align-items:center;gap:6px;margin-top:18px;
  font-size:.88rem;font-weight:600;color:var(--sky-deep);
}
.card .ico{
  width:48px;height:48px;border-radius:10px;background:var(--ice);color:var(--sky-deep);
  display:flex;align-items:center;justify-content:center;margin-bottom:18px;
}
.card .ico svg{width:24px;height:24px}
.card img.art{
  width:calc(100% + 56px);margin:-34px -28px 22px;max-width:none;
  border-radius:11px 11px 0 0;display:block;
}

/* ---------- Digital-first: the stack, set as a ledger ---------- */
.stack{margin-top:52px;border-top:1px solid var(--line);max-width:860px}
.stack-row{
  display:grid;grid-template-columns:230px 1fr;gap:26px;align-items:baseline;
  padding:20px 4px;border-bottom:1px solid var(--line);
  transition:background .15s;
}
.stack-row:hover{background:var(--wash)}
.stack-row:last-child{border-bottom:4px double var(--line2)}
.stack-row .k{
  font-family:'Fraunces',serif;font-weight:550;font-size:1.08rem;color:var(--navy);
}
.stack-row .v{font-size:.94rem;color:var(--muted)}
.stack-row .v b{color:var(--ink2);font-weight:600}

/* ---------- Articles ---------- */
.art-card{
  background:var(--paper);border:1px solid var(--line);border-radius:12px;
  overflow:hidden;transition:transform .22s,box-shadow .22s;display:flex;flex-direction:column;
}
.art-card:hover{transform:translateY(-5px);box-shadow:var(--sh-md)}
.art-card .thumb{height:5px;background:linear-gradient(90deg,var(--rib-a),var(--rib-b),var(--navy))}
.art-card .body{padding:28px 26px 24px;display:flex;flex-direction:column;flex:1}
.art-card h3{font-size:1.12rem;margin-bottom:10px}
.art-card p{font-size:.9rem;color:var(--muted);flex:1}
.art-card .more{margin-top:18px;font-size:.87rem;font-weight:600;color:var(--sky-deep)}

/* ---------- Partners ---------- */
.partners{display:flex;flex-wrap:wrap;gap:0;margin-top:44px;border-top:1px solid var(--line)}
.partner{
  font-family:'Cinzel',serif;font-weight:600;font-size:.84rem;letter-spacing:.16em;
  color:var(--navy);padding:22px 34px 22px 0;margin-right:34px;
  border-bottom:1px solid var(--line);
}

/* ---------- Service layout ---------- */
.svc-layout{display:grid;grid-template-columns:270px 1fr;gap:64px;align-items:start}
.svc-nav{
  position:sticky;top:96px;
  border-left:1px solid var(--line);padding:6px 0 6px 0;background:none;border-radius:0;
  border-top:none;border-right:none;border-bottom:none;
}
.svc-nav .label{
  font-family:'Cinzel',serif;font-size:.68rem;letter-spacing:.3em;
  color:var(--muted);margin-bottom:14px;padding-left:22px;
}
.svc-nav a{
  display:block;padding:10px 22px;
  font-size:.92rem;font-weight:600;color:var(--muted);
  border-left:2px solid transparent;margin-left:-1px;
  transition:color .15s,border-color .15s;
}
.svc-nav a.sub{padding-left:36px;font-weight:500;font-size:.86rem}
.svc-nav a:hover{color:var(--sky-deep)}
.svc-nav a.on{color:var(--navy);border-left-color:var(--sky)}
.svc-body h2{margin-bottom:22px}
.svc-body > p{color:var(--muted);margin-bottom:26px;max-width:680px}
.svc-art{width:100%;max-width:470px;margin:4px 0 30px;border-radius:12px;box-shadow:var(--sh-sm)}
.benefits{list-style:none;display:grid;gap:0;margin:10px 0 10px;border-top:1px solid var(--line);max-width:680px}
.benefits li{
  display:flex;gap:14px;align-items:flex-start;
  padding:18px 6px;border-bottom:1px solid var(--line);
  font-size:.95rem;background:none;border-radius:0;
}
.benefits li:last-child{border-bottom:4px double var(--line2)}
.benefits li svg{width:19px;height:19px;color:var(--sky);flex-shrink:0;margin-top:4px}
.benefits li b{color:var(--navy)}

/* package cards */
.packs{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:42px}
.pack{
  background:var(--paper);border:1px solid var(--line);border-radius:12px;
  padding:32px 28px;display:flex;flex-direction:column;
  transition:transform .22s,box-shadow .22s;
}
.pack:hover{transform:translateY(-5px);box-shadow:var(--sh-md)}
.pack .tier{
  font-family:'Cinzel',serif;font-weight:600;letter-spacing:.22em;font-size:.76rem;
  color:var(--sky-deep);text-transform:uppercase;
}
.pack h3{font-size:1.6rem;margin:8px 0 2px;display:inline-block;
  border-bottom:4px double var(--line2);padding-bottom:8px;align-self:flex-start}
.pack .incl{font-size:.84rem;color:var(--muted);margin:12px 0 14px}
.pack h4{
  font-size:.72rem;letter-spacing:.22em;text-transform:uppercase;
  color:var(--navy);margin:16px 0 8px;font-family:'Cinzel',serif;font-weight:600;
}
.pack ul{list-style:none;display:grid;gap:8px}
.pack li{font-size:.88rem;color:var(--ink2);display:flex;gap:10px;align-items:flex-start}
.pack li::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--sky);flex-shrink:0;margin-top:8px}
.pack .note{font-size:.8rem;color:var(--muted);margin-top:14px;font-style:italic}
.pack.hl{border-color:var(--sky);border-width:1.5px}

/* ---------- Team ---------- */
.team{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:56px}
.person{
  background:var(--paper);border:1px solid var(--line);border-radius:12px;
  padding:42px 28px 36px;text-align:center;
  transition:transform .22s,box-shadow .22s;
}
.person:hover{transform:translateY(-5px);box-shadow:var(--sh-md)}
.avatar{
  width:92px;height:92px;border-radius:50%;margin:0 auto 22px;
  background:linear-gradient(140deg,var(--rib-a),var(--rib-b));
  color:#fff;display:flex;align-items:center;justify-content:center;
  font-family:'Fraunces',serif;font-size:1.9rem;font-weight:550;
}
.person h3{font-size:1.2rem}
.person .cred{color:var(--sky-deep);font-size:.88rem;font-weight:600;margin-top:2px}
.person .role{
  margin-top:12px;font-family:'Cinzel',serif;font-size:.68rem;
  letter-spacing:.26em;text-transform:uppercase;color:var(--muted);
  display:inline-block;border-top:1px solid var(--line);padding-top:10px;
}

/* ---------- Resources ---------- */
.res-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:56px}
.link-list{list-style:none;display:grid;gap:0;margin-top:36px;max-width:760px;border-top:1px solid var(--line)}
.link-list a{
  display:flex;align-items:center;gap:16px;
  padding:19px 8px;font-weight:600;font-size:.95rem;color:var(--navy);
  border-bottom:1px solid var(--line);
  transition:background .15s,padding-left .2s;
}
.link-list a:hover{background:var(--wash);padding-left:16px}
.link-list svg{width:18px;height:18px;color:var(--sky);flex-shrink:0}
.link-list .ext{margin-left:auto;color:var(--sky-deep);font-weight:700}
.link-list .desc{display:block;font-weight:400;font-size:.83rem;color:var(--muted)}

/* ---------- Contact ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:56px;align-items:start;margin-top:20px}
.info-card{
  background:var(--paper);border:1px solid var(--line);border-radius:12px;
  padding:38px 34px;box-shadow:var(--sh-sm);
}
.info-card h3{margin-bottom:18px;display:inline-block;border-bottom:4px double var(--line2);padding-bottom:10px}
.info-row{display:flex;gap:15px;align-items:flex-start;padding:14px 0;border-bottom:1px solid var(--line)}
.info-row:last-child{border-bottom:none}
.info-row svg{width:20px;height:20px;color:var(--sky);flex-shrink:0;margin-top:3px}
.info-row .t{font-weight:600;color:var(--navy);font-size:.92rem}
.info-row .s{color:var(--muted);font-size:.92rem}
.hours{width:100%;border-collapse:collapse;font-size:.9rem;margin-top:6px}
.hours td{padding:7px 0;border-bottom:1px solid var(--line);color:var(--muted)}
.hours td:first-child{font-weight:600;color:var(--navy)}
.hours tr:last-child td{border-bottom:none}
.map-wrap{
  border-radius:12px;overflow:hidden;border:1px solid var(--line);
  box-shadow:var(--sh-md);min-height:420px;
}
.map-wrap iframe{width:100%;height:100%;min-height:420px;border:0;display:block}

/* ---------- CTA band ---------- */
.cta-band{
  background:linear-gradient(115deg,var(--navy),var(--deep));
  border-radius:16px;padding:60px 56px;color:#fff;
  display:flex;align-items:center;justify-content:space-between;gap:34px;flex-wrap:wrap;
  position:relative;overflow:hidden;
}
.cta-band::before{
  content:"";position:absolute;right:-40px;top:-140px;width:420px;height:420px;
  border-radius:50%;
  background:radial-gradient(circle,rgba(79,179,232,.28),transparent 68%);
}
.cta-band h2{color:#fff;margin-bottom:6px}
.cta-band p{color:#AFC3D2;font-family:'Fraunces',serif;font-style:italic;font-size:1.08rem}
.cta-band .btn{position:relative;z-index:1}

/* ---------- Footer ---------- */
footer{background:var(--navy);color:#AFC3D2;padding:62px 0 30px}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:44px}
.foot-logo{background:#fff;border-radius:8px;padding:10px 16px;display:inline-block;margin-bottom:18px}
.foot-logo img{height:62px}
footer p{font-size:.88rem}
footer h4{
  color:#fff;font-family:'Cinzel',serif;font-weight:600;
  font-size:.74rem;letter-spacing:.3em;text-transform:uppercase;margin-bottom:16px;
}
footer ul{list-style:none;display:grid;gap:9px}
footer ul a{font-size:.9rem;transition:color .18s}
footer ul a:hover{color:#fff}
.foot-base{
  border-top:1px solid rgba(255,255,255,.14);margin-top:46px;padding-top:22px;
  font-size:.8rem;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;
}
.foot-base a{color:#CFE0EC;text-decoration:underline}

/* ---------- Client Center modal (same apps, refined chrome) ---------- */
.modal-overlay{
  position:fixed;inset:0;background:rgba(29,42,54,.55);backdrop-filter:blur(5px);
  display:flex;align-items:center;justify-content:center;padding:24px;
  z-index:300;opacity:0;pointer-events:none;transition:opacity .25s;
}
.modal-overlay.open{opacity:1;pointer-events:auto}
.modal{
  background:var(--paper);border-radius:16px;max-width:620px;width:100%;
  box-shadow:var(--sh-lg);overflow:hidden;max-height:92vh;overflow-y:auto;
  transform:translateY(16px) scale(.98);transition:transform .28s;
}
.modal-overlay.open .modal{transform:none}
.modal-head{
  background:var(--navy);color:#fff;padding:28px 32px;
  display:flex;align-items:flex-start;justify-content:space-between;gap:16px;
}
.modal-head h3{
  color:#fff;font-family:'Cinzel',serif;font-weight:600;letter-spacing:.2em;
  font-size:1rem;text-transform:uppercase;
  border-bottom:4px double rgba(255,255,255,.35);padding-bottom:8px;display:inline-block;
}
.modal-head p{color:#AFC3D2;font-size:.85rem;margin-top:10px;max-width:400px}
.modal-close{
  background:rgba(255,255,255,.12);border:none;color:#fff;flex-shrink:0;
  width:38px;height:38px;border-radius:50%;cursor:pointer;font-size:1.1rem;
  transition:background .18s;
}
.modal-close:hover{background:rgba(255,255,255,.26)}
.modal-body{padding:26px 32px 30px}
.app-link{
  display:flex;align-items:center;gap:16px;
  border-bottom:1px solid var(--line);
  padding:16px 6px;
  transition:background .15s,padding-left .2s;
}
.app-link:first-child{border-top:1px solid var(--line)}
.app-link:hover{background:var(--wash);padding-left:14px}
.app-link .a-ico{
  width:44px;height:44px;border-radius:10px;flex-shrink:0;
  display:flex;align-items:center;justify-content:center;
  color:#fff;font-weight:800;font-size:.72rem;letter-spacing:.02em;
}
.app-link .t{font-weight:600;color:var(--navy);font-size:.97rem}
.app-link .s{font-size:.82rem;color:var(--muted)}
.app-link .go{margin-left:auto;color:var(--sky-deep);font-weight:700;font-size:1.1rem}
.modal-note{
  display:flex;gap:9px;align-items:center;margin-top:16px;
  font-size:.79rem;color:var(--muted);
}
.modal-note svg{width:14px;height:14px;color:var(--sky);flex-shrink:0}

/* ---------- Stats (legacy class kept) ---------- */
.stats-bar{display:none}

/* ---------- tech grid legacy ---------- */
.tech-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px 34px;margin-top:52px}
.tech{border-left:3px solid var(--sky);padding:4px 0 4px 20px}
.tech h3{font-size:1.06rem;margin-bottom:7px}
.tech p{font-size:.92rem;color:var(--muted)}

/* ---------- Reveal ---------- */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}
.hero .rise{opacity:0;transform:translateY(26px);animation:rise .7s ease forwards}
.hero .rise.d1{animation-delay:.08s}
.hero .rise.d2{animation-delay:.18s}
.hero .rise.d3{animation-delay:.3s}
.hero .rise.d4{animation-delay:.42s}
@keyframes rise{to{opacity:1;transform:none}}

/* ---------- Responsive ---------- */
@media (max-width:1080px){ .nav-actions .btn-ghost{display:none} }
@media (max-width:960px){
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .grid-3,.res-grid,.packs,.team{grid-template-columns:1fr}
  .ledger{grid-template-columns:repeat(2,1fr);border-left:none}
  .ledger .stat:nth-child(2){border-right:none}
  .svc-layout{grid-template-columns:1fr}
  .svc-nav{position:static;border-left:none;border-top:1px solid var(--line);padding-top:16px}
  .contact-grid{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
  .stack-row{grid-template-columns:1fr;gap:4px}
  .nav-menu{
    position:fixed;top:104px;left:0;right:0;z-index:99;
    background:var(--paper);flex-direction:column;align-items:stretch;gap:0;
    padding:16px 22px 22px;border-bottom:1px solid var(--line);box-shadow:var(--sh-md);
    transform:translateY(-140%);transition:transform .28s;
    max-height:calc(100vh - 104px);overflow-y:auto;
  }
  .nav-menu.open{transform:none}
  .nav-menu > li > a{display:flex;padding:13px 6px;font-size:1rem;width:100%}
  .nav-menu > li > a::after{content:none}
  .dropdown{
    position:static;opacity:1;visibility:visible;transform:none;
    border:none;box-shadow:none;padding:0 0 6px 14px;display:none;
  }
  .nav-menu li.exp .dropdown{display:block}
  .nav-actions{margin-left:auto}
  .nav-actions .btn-sky{display:none}
  .nav-toggle{display:block;margin-left:12px}
  .cta-band{padding:46px 32px}
}
@media (max-width:600px){
  .grid-4{grid-template-columns:1fr}
  .ledger{grid-template-columns:1fr}
  .ledger .stat{border-right:none;border-bottom:1px solid var(--line)}
  .section{padding:70px 0}
  .hero{padding:80px 0 70px}
  .nav-actions .btn{padding:9px 13px;font-size:.8rem}
  .modal-body,.modal-head{padding-left:20px;padding-right:20px}
  .foot-grid{grid-template-columns:1fr}
}
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation:none!important;transition:none!important}
  html{scroll-behavior:auto}
  .reveal,.hero .rise{opacity:1;transform:none}
}

/* ---------- Article tags & library ---------- */
.art-meta{font-size:.72rem;color:var(--muted);letter-spacing:.08em;text-transform:uppercase;margin-bottom:8px;font-weight:600;font-variant-numeric:tabular-nums}
.art-tag{display:inline-block;font-size:.7rem;font-weight:600;background:var(--ice);color:var(--sky-deep);padding:3px 11px;border-radius:999px;margin:0 6px 4px 0;letter-spacing:.04em}
.tagbar{display:flex;flex-wrap:wrap;gap:10px;margin:28px 0 4px}
.tag{
  font-family:'Inter',sans-serif;font-size:.78rem;font-weight:600;letter-spacing:.05em;
  padding:8px 16px;border:1px solid var(--line2);border-radius:999px;cursor:pointer;
  color:var(--muted);background:none;transition:all .15s;
}
.tag:hover{border-color:var(--navy);color:var(--navy)}
.tag.on{background:var(--navy);color:#fff;border-color:var(--navy)}
.lib-search{
  width:100%;max-width:440px;padding:13px 18px;margin-top:28px;
  border:1.5px solid var(--line2);border-radius:8px;font:inherit;color:var(--ink2);
}
.lib-search:focus{border-color:var(--sky);outline:none}


/* ---------- Article tags & library filter ---------- */
.lib-tools{margin-top:44px;display:flex;gap:16px;flex-wrap:wrap;align-items:center}
.lib-search{
  flex:1;min-width:240px;padding:13px 16px;
  border:1.5px solid var(--line2);border-radius:8px;
  font-family:'Inter',sans-serif;font-size:.95rem;color:var(--ink2);
}
.lib-search:focus{border-color:var(--sky);outline:none}
.tagbar{display:flex;gap:8px;flex-wrap:wrap}
.tagchip{
  font-size:.8rem;font-weight:600;color:var(--navy);
  border:1.5px solid var(--line2);border-radius:999px;
  padding:7px 16px;cursor:pointer;background:var(--paper);
  transition:background .15s,border-color .15s,color .15s;
  font-family:'Inter',sans-serif;
}
.tagchip:hover{border-color:var(--sky)}
.tagchip.on{background:var(--navy);border-color:var(--navy);color:#fff}
.tags{display:flex;gap:6px;flex-wrap:wrap;margin-top:14px}
.tag{
  font-size:.7rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;
  color:var(--sky-deep);background:var(--ice);border-radius:5px;padding:4px 9px;
}
.lib-empty{margin-top:34px;color:var(--muted);display:none}

/* ================= Small Business Insights ================= */
.ins-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:52px}
.ins-card{
  background:var(--paper);border:1px solid var(--line);border-radius:12px;
  overflow:hidden;display:flex;flex-direction:column;
  transition:transform .22s,box-shadow .22s;
}
.ins-card:hover{transform:translateY(-5px);box-shadow:var(--sh-md)}
.ins-card .hero-img{aspect-ratio:16/9;width:100%;object-fit:cover;display:block;background:var(--ice)}
.ins-card .body{padding:24px 24px 22px;display:flex;flex-direction:column;flex:1}
.cat-chip{
  align-self:flex-start;
  font-size:.68rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;
  color:var(--sky-deep);background:var(--ice);border-radius:5px;padding:5px 10px;
  margin-bottom:12px;
}
.ins-card h3{font-size:1.14rem;margin-bottom:9px;line-height:1.3}
.ins-card .sum{font-size:.9rem;color:var(--muted);flex:1}
.ins-meta{
  display:flex;gap:10px;align-items:center;
  font-size:.78rem;color:var(--muted);margin:14px 0 16px;
  font-variant-numeric:tabular-nums;
}
.ins-meta .dot::before{content:"\00b7";margin:0 2px}
.ins-card .btn{align-self:flex-start;padding:10px 20px;font-size:.86rem}
.ins-actions{text-align:center;margin-top:48px}

/* featured card on the Insights library page */
.ins-featured{
  display:grid;grid-template-columns:1.15fr 1fr;gap:0;
  background:var(--paper);border:1px solid var(--line);border-radius:14px;
  overflow:hidden;margin-top:52px;
  transition:box-shadow .22s;
}
.ins-featured:hover{box-shadow:var(--sh-md)}
.ins-featured .hero-img{width:100%;height:100%;min-height:280px;object-fit:cover;display:block;background:var(--ice)}
.ins-featured .body{padding:40px 38px;display:flex;flex-direction:column;justify-content:center}
.ins-featured h3{font-size:1.7rem;line-height:1.2;margin-bottom:12px}
.ins-featured .sum{color:var(--muted);font-size:.98rem}

/* ---------- Article page ---------- */
.article-wrap{max-width:760px;margin:0 auto}
.article-hero{
  aspect-ratio:16/9;width:100%;object-fit:cover;display:block;
  border-radius:14px;box-shadow:var(--sh-md);margin-bottom:40px;background:var(--ice);
}
.article-head h1{
  font-size:clamp(2rem,4vw,2.9rem);border-bottom:none;padding-bottom:0;
}
.article-head .ins-meta{margin:18px 0 0;font-size:.86rem}
.article-body{margin-top:38px}
.article-body p{margin-bottom:20px;font-size:1.03rem;line-height:1.75}
.article-body p.lede{
  font-family:'Fraunces',serif;font-size:1.22rem;color:var(--navy);line-height:1.6;
}
.article-body h2{
  font-size:1.55rem;margin:44px 0 16px;
  display:inline-block;border-bottom:4px double var(--line2);padding-bottom:8px;
}
.article-body h3{font-size:1.2rem;margin:32px 0 12px}
.article-body ul,.article-body ol{margin:0 0 20px 22px}
.article-body li{margin-bottom:9px;font-size:1.01rem}
.article-body blockquote{
  margin:36px 0;padding:22px 0;
  border-top:1.5px solid var(--navy);border-bottom:4px double var(--navy);
  font-family:'Fraunces',serif;font-style:italic;font-size:1.3rem;line-height:1.5;
  color:var(--navy);
}
.article-body table{
  width:100%;border-collapse:collapse;margin:28px 0;font-size:.93rem;
}
.article-body th{
  text-align:left;font-family:'Cinzel',serif;font-weight:600;font-size:.72rem;
  letter-spacing:.18em;text-transform:uppercase;color:var(--navy);
  padding:10px 12px;border-bottom:1.5px solid var(--navy);
}
.article-body td{padding:11px 12px;border-bottom:1px solid var(--line);color:var(--ink2)}
.article-body tr:last-child td{border-bottom:4px double var(--line2)}
.article-body img{border-radius:12px;margin:28px 0;box-shadow:var(--sh-sm)}
.article-cta{
  margin-top:56px;background:var(--wash);border:1px solid var(--line);
  border-radius:14px;padding:38px 36px;text-align:center;
}
.article-cta h3{font-size:1.4rem;margin-bottom:8px}
.article-cta p{color:var(--muted);margin-bottom:22px}
.related{margin-top:72px;border-top:1px solid var(--line);padding-top:52px}
.related h2{font-size:1.5rem}
@media (max-width:960px){
  .ins-grid{grid-template-columns:1fr}
  .ins-featured{grid-template-columns:1fr}
  .ins-featured .hero-img{min-height:220px}
  .ins-featured .body{padding:30px 26px}
}


/* ---------- Client Center logo tiles ---------- */
.app-logo{
  width:120px;height:52px;flex-shrink:0;border-radius:9px;
  border:1px solid var(--line);background:#FFFFFF;
  display:flex;align-items:center;justify-content:center;padding:8px 12px;
}
.app-logo img{max-width:100%;max-height:100%;width:auto;height:auto;display:block}
.app-logo.dark{background:#293A48;border-color:#293A48}
.app-logo.text{
  font-family:"Cinzel",serif;font-weight:600;letter-spacing:.06em;
  color:var(--navy);font-size:.9rem;
}
.app-link .app-logo + span{flex:1}
@media (max-width:600px){
  .app-logo{width:96px;height:46px}
}