:root{
  --teal:#0A2E33;
  --teal-deep:#072428;
  --cyan:#2BB8D4;
  --cyan-soft:#8FDCEB;
  --paper:#F7F5F1;
  --sand:#E4D9C8;
  --ink:#14181A;
  --ink-soft:#4A5558;
  --white:#FFFFFF;
  --serif:'Source Serif 4', Georgia, serif;
  --sans:'Inter', -apple-system, sans-serif;
  --maxw:1160px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--sans);font-size:17px;line-height:1.65;color:var(--ink);background:var(--paper)}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 28px}
.eyebrow{font-family:var(--sans);font-size:12px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--cyan);margin-bottom:18px}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.12}
.btn{display:inline-block;font-family:var(--sans);font-size:15px;font-weight:600;padding:15px 32px;border-radius:3px;transition:all .25s ease;letter-spacing:.01em}
.btn-cyan{background:var(--cyan);color:var(--teal-deep)}
.btn-cyan:hover{background:var(--cyan-soft)}
.btn-ghost{border:1px solid rgba(255,255,255,.35);color:var(--white)}
.btn-ghost:hover{border-color:var(--cyan);color:var(--cyan)}
.btn-dark{background:var(--teal);color:var(--white)}
.btn-dark:hover{background:var(--teal-deep)}

/* reveal on scroll */
.rv{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s ease}
.rv.in{opacity:1;transform:none}
@media (prefers-reduced-motion: reduce){
  .rv{opacity:1;transform:none;transition:none}
  html{scroll-behavior:auto}
}

/* ---------- NAV ---------- */
nav{position:fixed;top:0;left:0;right:0;z-index:100;background:rgba(10,46,51,.92);backdrop-filter:blur(12px);border-bottom:1px solid rgba(255,255,255,.08)}
.nav-inner{max-width:var(--maxw);margin:0 auto;padding:0 28px;height:72px;display:flex;align-items:center;justify-content:space-between}
.nav-brand{display:flex;align-items:center;gap:12px;color:var(--white)}
.nav-brand img{height:38px;width:auto}
.nav-brand span{font-family:var(--sans);font-weight:600;font-size:16px;letter-spacing:.01em;color:var(--cyan)}
.nav-brand span b{color:var(--white);font-weight:600}
.nav-links{display:flex;gap:26px;align-items:center;list-style:none}
.nav-links a{color:rgba(255,255,255,.85);font-size:14.5px;font-weight:500;transition:color .2s}
.nav-links a:hover{color:var(--cyan)}
.nav-cta{display:inline-flex;align-items:center;background:var(--cyan);color:var(--teal-deep)!important;padding:10px 22px;border-radius:3px;font-weight:600!important;white-space:nowrap;position:relative;overflow:hidden}
.nav-cta:hover{background:var(--cyan-soft)}
/* relay shimmer: picks up the portal pill's glint and carries it across the CTA.
   Both run linear at the same px/s (~195): portal 150px wide sweeps 1.95 widths in 1.5s (70%→100% of 5s);
   CTA 185px wide needs 1.85s (63%→100%) and a 1.14s phase delay = glint travel time from the portal's
   sweep origin to the CTA's (154px apart at a 26px gap). Retune if button sizes/gap change. */
.nav-cta::after{content:'';position:absolute;top:0;left:-60%;width:45%;height:100%;background:linear-gradient(100deg,transparent,rgba(255,255,255,.35),transparent);transform:skewX(-18deg);animation:cta-shimmer 5s linear 1.19s infinite}
@keyframes cta-shimmer{0%,63%{left:-60%}100%{left:135%}}
/* Wealth Portal: a "secure ghost pill" — deliberate middle tier between plain nav links and the solid CTA. Padlock = private client area; the shimmer sweep is the eye-catch/gimmick. */
.nav-portal{display:inline-flex;align-items:center;gap:7px;padding:8px 15px;border-radius:3px;border:1px solid rgba(143,220,235,.42);color:var(--cyan-soft)!important;font-weight:600!important;font-size:13.5px;letter-spacing:.02em;white-space:nowrap;position:relative;overflow:hidden;transition:border-color .2s,background .2s}
.nav-portal svg{width:13px;height:13px;flex:none}
.nav-portal:hover{border-color:var(--cyan);background:rgba(43,184,212,.12);color:var(--cyan-soft)!important}
.nav-portal::after{content:'';position:absolute;top:0;left:-60%;width:45%;height:100%;background:linear-gradient(100deg,transparent,rgba(255,255,255,.22),transparent);transform:skewX(-18deg);animation:portal-shimmer 5s linear infinite}
@keyframes portal-shimmer{0%,70%{left:-60%}100%{left:135%}}
@media (prefers-reduced-motion:reduce){.nav-portal::after,.nav-cta::after{display:none}}
.nav-toggle{display:none;background:none;border:none;color:var(--white);font-size:26px;cursor:pointer}

/* ---------- HERO (generic band) ---------- */
/* Full-viewport landing: content vertically centred so the next section only
   appears on scroll; matches the homepage hero. Per-page padding stays
   symmetric to keep that landing intentional. */
.hero{background:linear-gradient(160deg,var(--teal) 0%,var(--teal-deep) 100%);color:var(--white);position:relative;overflow:hidden;min-height:100vh;min-height:100svh;display:flex;flex-direction:column;justify-content:center;padding:110px 0}
.hero-mark{position:absolute;right:-140px;top:50%;transform:translateY(-50%) rotate(8deg);width:620px;opacity:.10;pointer-events:none}
.hero-inner{position:relative;width:100%;max-width:var(--maxw);margin:0 auto;padding:0 28px}
.hero h1{font-size:clamp(40px,6vw,72px);max-width:15ch;margin-bottom:28px}
.hero h1 em{font-style:normal;color:var(--cyan)}
.hero p{font-size:clamp(18px,2vw,21px);color:rgba(255,255,255,.82);max-width:56ch;margin-bottom:42px;font-weight:400}
.hero-ctas{display:flex;gap:16px;flex-wrap:wrap}

/* ---------- SECTION HEAD ---------- */
.sec-head{margin-bottom:56px;max-width:60ch}
.sec-head h2{font-size:clamp(30px,4vw,44px);color:var(--teal);margin-bottom:16px}
.sec-head p{color:var(--ink-soft);font-size:18px}
.rule{width:64px;height:3px;background:var(--cyan);margin-bottom:34px}

/* ---------- CTA (generic closing band) ---------- */
.cta{background:linear-gradient(160deg,var(--teal) 0%,var(--teal-deep) 100%);color:var(--white);padding:130px 0;position:relative;overflow:hidden}
.cta-mark{position:absolute;left:-160px;bottom:-120px;width:520px;opacity:.08;transform:rotate(-12deg);pointer-events:none}
.cta-inner{position:relative;text-align:center;max-width:640px;margin:0 auto;padding:0 28px}
.cta h2{font-size:clamp(32px,4.5vw,50px);margin-bottom:20px}
.cta p{color:rgba(255,255,255,.78);font-size:18px;margin-bottom:40px}
.cta .phone{display:block;margin-top:26px;font-size:15px;color:rgba(255,255,255,.6)}
.cta .phone a{color:var(--cyan)}

/* ---------- INSIGHTS TEASER (shared) ---------- */
.insights{background:var(--white);padding:110px 0}
.ins-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:36px}
.ins-card{border-top:2px solid var(--sand);padding-top:26px;transition:border-color .3s}
.ins-card:hover{border-color:var(--cyan)}
.ins-card .cat{font-size:12px;font-weight:600;letter-spacing:.15em;text-transform:uppercase;color:var(--cyan);margin-bottom:14px}
.ins-card h3{font-size:21px;color:var(--teal);margin-bottom:12px;line-height:1.3}
.ins-card p{font-size:15px;color:var(--ink-soft)}

/* ---------- SEGMENT PAGES (shared template) ---------- */
.seg-sound{background:var(--paper);padding:110px 0}
.sf-list{max-width:760px}
.sf{font-family:var(--serif);font-size:clamp(19px,2.2vw,24px);line-height:1.5;color:var(--teal);border-left:3px solid var(--cyan);padding:6px 0 6px 26px;margin-bottom:30px}
.sf:last-child{margin-bottom:0}
.seg-together{background:var(--teal);color:var(--white);padding:110px 0;position:relative;overflow:hidden}
.seg-together .sec-head h2{color:var(--white)}
.seg-together .sec-head p{color:rgba(255,255,255,.7)}
.tg-grid{display:grid;grid-template-columns:1fr 1fr;gap:44px 56px}
.tg-card{border-top:1px solid rgba(255,255,255,.22);padding-top:26px}
.tg-card .num{font-family:var(--serif);font-size:16px;color:var(--cyan);margin-bottom:14px}
.tg-card h3{font-size:22px;margin-bottom:12px}
.tg-card p{font-size:15.5px;color:rgba(255,255,255,.72);line-height:1.65}
.seg-mark{position:absolute;right:-150px;bottom:-130px;width:540px;opacity:.08;transform:rotate(10deg);pointer-events:none}

/* ---------- PHOTO PLACEHOLDER BAND ---------- */
/* Tasteful stand-in for real photography. To go live: replace the whole
   <section class="photo-band">…</section> with an <img> (or set a
   background-image on this element + a scrim) and delete the .pb-* caption. */
.photo-band{position:relative;overflow:hidden;min-height:460px;display:flex;align-items:center;justify-content:center;background:linear-gradient(135deg,#0e3a40 0%,#072428 55%,#0A2E33 100%)}
.photo-band::after{content:"";position:absolute;top:50%;right:-120px;width:520px;height:520px;transform:translateY(-50%) rotate(8deg);background:url("img/finstyle-mark.svg") center/contain no-repeat;opacity:.05;pointer-events:none}
.photo-band .pb-inner{position:relative;text-align:center;max-width:600px;margin:0 24px;padding:44px 40px;border:1px dashed rgba(255,255,255,.22);border-radius:4px}
.photo-band .pb-inner::before{content:"";display:block;width:52px;height:52px;margin:0 auto 24px;opacity:.9;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%232BB8D4' stroke-width='1.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='3' y='4' width='18' height='16' rx='1.5'/%3E%3Ccircle cx='8.5' cy='9' r='1.7'/%3E%3Cpath d='M3.5 16.5l4.5-4.5 4 4 3.5-3.5 5 5'/%3E%3C/svg%3E") center/contain no-repeat}
.photo-band .pb-eyebrow{font-size:12px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--cyan);margin-bottom:16px}
.photo-band .pb-caption{font-family:var(--serif);font-size:clamp(20px,2.5vw,27px);line-height:1.45;color:rgba(255,255,255,.92)}
.photo-band .pb-note{margin-top:18px;font-size:11px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:rgba(255,255,255,.38)}
.photo-band.has-photo{background-size:cover;background-position:center;background-repeat:no-repeat}
.photo-band.has-photo::after{display:none}
/* Window-reveal variant: the image is pinned to the viewport and the band acts
   as a cut-out window onto it as the page scrolls past. clip-path does the
   clipping (background-attachment:fixed is janky on iOS). NOTE: never put a
   transform on .pb-window or an ancestor; it re-anchors the fixed child and
   breaks the pinning (this is why the band has no .rv class). */
.photo-band.pb-window{clip-path:inset(0)}
.photo-band.pb-window .pb-fixed{position:fixed;inset:0;background-size:cover;background-repeat:no-repeat;pointer-events:none}/* each band sets its own background-image + background-position inline */
@media (prefers-reduced-motion:reduce){
  .photo-band.pb-window{clip-path:none}
  .photo-band.pb-window .pb-fixed{position:absolute}
}
@media (max-width:560px){.photo-band{min-height:360px}}

/* ---------- FOOTER ---------- */
footer{background:linear-gradient(180deg,rgba(7,36,40,.84),rgba(7,36,40,.92)),url('img/footer-gate8.webp') center 62%/cover no-repeat var(--teal-deep);color:rgba(255,255,255,.65);padding:70px 0 40px;font-size:14px}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:50px;margin-bottom:50px}
.foot-grid h5{color:var(--white);font-family:var(--sans);font-size:13px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;margin-bottom:18px}
.foot-grid ul{list-style:none}
.foot-grid li{margin-bottom:10px}
.foot-grid a:hover{color:var(--cyan)}
.foot-brand img{height:44px;margin-bottom:18px}
.foot-brand p{max-width:34ch;font-size:13.5px;line-height:1.6}
.foot-social{display:inline-flex;align-items:center;justify-content:center;width:34px;height:34px;margin-top:16px;border:1px solid rgba(255,255,255,.25);border-radius:3px;color:rgba(255,255,255,.65);transition:color .25s ease,border-color .25s ease}
.foot-social:hover{color:var(--cyan);border-color:var(--cyan)}
.compliance{border-top:1px solid rgba(255,255,255,.1);padding-top:32px;font-size:12.5px;line-height:1.7;color:rgba(255,255,255,.45)}
.compliance a{text-decoration:underline}

/* ---------- RESPONSIVE (shared) ---------- */
/* nav collapses to the hamburger before the 5-item bar (incl. the Wealth Portal pill) gets cramped */
@media (max-width:1000px){
  .nav-links{display:none;position:absolute;top:72px;left:0;right:0;background:var(--teal-deep);flex-direction:column;padding:24px 28px;gap:20px;border-bottom:1px solid rgba(255,255,255,.1)}
  .nav-links.open{display:flex}
  .nav-toggle{display:block}
}
@media (max-width:960px){
  .ins-grid{grid-template-columns:1fr;gap:30px}
  .tg-grid{grid-template-columns:1fr;gap:36px}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:560px){
  .hero{padding:100px 0}
}