/* Concierge Insurance Advisory — one-page site
   Plain HTML/CSS/JS build. Breakpoints: mobile < 768px | tablet 768–1439px | desktop >= 1440px */

@import url("https://fonts.googleapis.com/css2?family=EB+Garamond:ital,wght@0,400;0,500;0,600;1,400&family=Inter:wght@300;400;500;600&display=swap");

/* ── Tokens ───────────────────────────────────────────────────── */
:root{
  /* Base — ink (deep navy-forest green) */
  --ink-900:#14201D;--ink-800:#1F2E2A;--ink-700:#2C403A;--ink-600:#3E554E;--ink-500:#5A716A;
  /* Base — brass (muted, brass-plaque gold) */
  --brass-700:#6E6142;--brass-600:#7E6E48;--brass-500:#9C8A5E;--brass-400:#B5A67F;--brass-300:#CFC3A3;--brass-200:#DDD5C0;--brass-100:#EFEADC;
  /* Base — cream / paper */
  --cream-050:#FBFAF7;--cream-100:#F8F6F1;--cream-200:#F4F2ED;--cream-300:#EAE7DF;--cream-400:#DEDAD0;--white:#FFFFFF;
  /* Base — charcoal text greys */
  --charcoal-900:#222222;--charcoal-700:#454542;--charcoal-500:#6E6E6A;--charcoal-400:#8E8D87;--charcoal-300:#B4B2AB;
  /* Base — restrained status hues */
  --sage-600:#4C6B57;--amber-700:#8A6A33;--oxblood-700:#7A3B34;

  /* Semantic — surfaces */
  --surface-page:var(--cream-200);
  --surface-card:var(--white);
  --surface-muted:var(--cream-300);
  --surface-sunken:var(--cream-100);
  --surface-inverse:var(--ink-800);
  --surface-inverse-deep:var(--ink-900);
  --surface-accent-wash:var(--brass-100);
  --surface-scrim:rgba(20,32,29,.56);

  /* Semantic — text */
  --text-heading:var(--ink-800);
  --text-body:var(--charcoal-900);
  --text-secondary:var(--charcoal-700);
  --text-muted:var(--charcoal-500);
  --text-faint:var(--charcoal-400);
  --text-accent:var(--brass-600);
  --text-inverse:var(--cream-100);
  --text-inverse-muted:rgba(244,242,237,.66);
  --text-link:var(--ink-800);
  --text-link-hover:var(--brass-600);

  /* Semantic — lines */
  --border-hairline:rgba(31,46,42,.14);
  --border-hairline-strong:rgba(31,46,42,.26);
  --border-keyline:var(--brass-400);
  --border-keyline-soft:rgba(156,138,94,.42);
  --border-inverse:rgba(244,242,237,.20);
  --border-field:rgba(31,46,42,.28);

  /* Semantic — interactive */
  --accent:var(--brass-500);
  --accent-hover:var(--brass-600);
  --action-solid:var(--ink-800);
  --action-solid-hover:var(--ink-900);
  --action-quiet-hover:rgba(31,46,42,.06);
  --focus-ring:rgba(156,138,94,.55);
  --disabled-fg:var(--charcoal-400);
  --disabled-bg:var(--cream-300);

  /* Semantic — status */
  --status-positive:var(--sage-600);
  --status-attention:var(--amber-700);
  --status-critical:var(--oxblood-700);

  /* Families */
  --font-display:"EB Garamond",Georgia,"Times New Roman",serif;
  --font-sans:"Inter","Helvetica Neue",Helvetica,Arial,sans-serif;
  --font-mono:"SFMono-Regular",Menlo,Consolas,monospace;

  /* Weights */
  --weight-display:400;--weight-display-medium:500;--weight-body:400;--weight-medium:500;--weight-semibold:600;--weight-light:300;

  /* Display / editorial serif scale */
  --text-display-xl:76px;--lh-display-xl:1.04;
  --text-display-l:58px;--lh-display-l:1.08;
  --text-display-m:44px;--lh-display-m:1.14;
  --text-display-s:34px;--lh-display-s:1.2;
  --text-title:26px;--lh-title:1.3;
  --text-subtitle:21px;--lh-subtitle:1.42;

  /* Sans body / UI scale */
  --text-body-l:18px;--lh-body-l:1.68;
  --text-body:16px;--lh-body:1.7;
  --text-body-s:14px;--lh-body-s:1.62;
  --text-caption:13px;--lh-caption:1.5;
  --text-eyebrow:11px;--lh-eyebrow:1.2;

  /* Tracking */
  --track-display:0.005em;
  --track-display-tight:-0.005em;
  --track-title:0.01em;
  --track-body:0.002em;
  --track-ui:0.01em;
  --track-eyebrow:0.22em;
  --track-logotype:0.18em;

  /* Measure */
  --measure-prose:62ch;
  --measure-lede:48ch;
  --measure-display:22ch;

  /* 4px base scale */
  --space-0:0;--space-1:4px;--space-2:8px;--space-3:12px;--space-4:16px;--space-5:20px;--space-6:24px;
  --space-7:32px;--space-8:40px;--space-9:48px;--space-10:64px;--space-11:80px;--space-12:96px;
  --space-13:120px;--space-14:160px;--space-15:200px;

  /* Semantic rhythm */
  --gap-inline:8px;
  --gap-control:12px;
  --gap-stack:16px;
  --gap-card:24px;
  --gap-grid:32px;
  --gap-section:64px;
  --pad-card:32px;
  --pad-card-tight:20px;
  --pad-panel:48px;
  --section-y:120px;
  --section-y-compact:80px;

  /* Layout */
  --container-max:1240px;
  --container-text:760px;
  --container-narrow:560px;
  --gutter:40px;
  --gutter-mobile:20px;
  --header-h:88px;
  --header-h-condensed:64px;

  /* Corners */
  --radius-none:0;
  --radius-xs:2px;
  --radius-sm:3px;
  --radius-md:4px;
  --radius-pill:999px;

  /* Shadows */
  --shadow-none:none;
  --shadow-hairline:0 0 0 1px var(--border-hairline);
  --shadow-card:0 1px 2px rgba(31,46,42,.04),0 14px 34px -20px rgba(31,46,42,.16);
  --shadow-raised:0 2px 4px rgba(31,46,42,.05),0 24px 56px -24px rgba(31,46,42,.22);
  --shadow-overlay:0 40px 96px -32px rgba(20,32,29,.38);
  --shadow-inset-field:inset 0 1px 0 rgba(31,46,42,.05);

  --scrim-bottom:linear-gradient(to top,rgba(20,32,29,.78) 0%,rgba(20,32,29,.42) 42%,rgba(20,32,29,0) 100%);
  --scrim-left:linear-gradient(to right,rgba(20,32,29,.72) 0%,rgba(20,32,29,.28) 52%,rgba(20,32,29,0) 100%);
  --hero-wash:linear-gradient(160deg,var(--ink-900) 0%,var(--ink-800) 46%,#2A3B33 100%);
  --blur-chrome:saturate(120%) blur(14px);

  --dur-instant:120ms;--dur-quick:180ms;--dur-base:260ms;--dur-slow:440ms;--dur-editorial:760ms;
  --ease-editorial:cubic-bezier(.22,.61,.36,1);
  --ease-out:cubic-bezier(.16,1,.3,1);
  --ease-inout:cubic-bezier(.4,0,.2,1);
  --transition-control:color var(--dur-quick) var(--ease-inout),background-color var(--dur-quick) var(--ease-inout),border-color var(--dur-quick) var(--ease-inout),opacity var(--dur-quick) var(--ease-inout);
  --transition-surface:box-shadow var(--dur-base) var(--ease-editorial),transform var(--dur-base) var(--ease-editorial);
  --lift-hover:translateY(-2px);
  --press-scale:0.995;
}
@media (prefers-reduced-motion:reduce){
  :root{--dur-instant:0ms;--dur-quick:0ms;--dur-base:0ms;--dur-slow:0ms;--dur-editorial:0ms;--lift-hover:none}
}

/* ── Element defaults ─────────────────────────────────────────── */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:no-preference){ html{scroll-behavior:smooth} }
body{margin:0;background:var(--surface-page);color:var(--text-body);font-family:var(--font-sans);font-size:var(--text-body);line-height:var(--lh-body);letter-spacing:var(--track-body);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;position:relative}
h1,h2,h3,h4{font-family:var(--font-display);color:var(--text-heading);font-weight:var(--weight-display);letter-spacing:var(--track-display);margin:0}
p{margin:0;text-wrap:pretty}
a{color:var(--text-link);text-decoration:none;border-bottom:1px solid transparent;transition:color 180ms var(--ease-editorial),border-color 180ms var(--ease-editorial)}
a:hover{color:var(--text-link-hover);border-bottom-color:var(--brass-500)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,[tabindex]:focus-visible{outline:2px solid var(--focus-ring);outline-offset:2px}
img{max-width:100%;display:block}
::selection{background:var(--brass-200);color:var(--ink-900)}
section[id],footer[id]{scroll-margin-top:80px}
@media (min-width:1440px){ section[id],footer[id]{scroll-margin-top:104px} }
body.nav-open{overflow:hidden}

.icon{fill:none;stroke:currentColor;stroke-width:1.25;stroke-linecap:round;stroke-linejoin:round;display:block;flex:0 0 auto}

/* ── Layout container ─────────────────────────────────────────── */
.container{max-width:var(--container-max);margin:0 auto;padding:0 var(--gutter-mobile);width:100%}
@media (min-width:768px){.container{padding:0 32px}}
@media (min-width:1440px){.container{padding:0 var(--gutter)}}

.section{padding-block:72px}
@media (min-width:768px){.section{padding-block:var(--section-y-compact)}}
@media (min-width:1440px){.section{padding-block:var(--section-y)}}
.section,.hero,.site-footer,.coverage,.family-office{position:relative}

.eyebrow{font-size:var(--text-eyebrow);line-height:var(--lh-eyebrow);letter-spacing:var(--track-eyebrow);text-transform:uppercase;font-weight:var(--weight-medium);color:var(--text-accent)}
.eyebrow--inverse{color:var(--text-inverse-muted)}

/* ── Buttons ──────────────────────────────────────────────────── */
.btn{font-family:var(--font-sans);font-weight:var(--weight-medium);letter-spacing:.12em;text-transform:uppercase;border-radius:var(--radius-xs);border:1px solid transparent;display:inline-flex;align-items:center;justify-content:center;gap:var(--gap-inline);cursor:pointer;text-decoration:none;transition:var(--transition-control);line-height:1;background:none;-webkit-appearance:none;appearance:none}
.btn:active:not(:disabled){transform:scale(var(--press-scale))}
.btn--sm{padding:8px 16px;font-size:11px;min-height:34px}
.btn--md{padding:12px 24px;font-size:12px;min-height:44px}
.btn--lg{padding:16px 32px;font-size:13px;min-height:52px}
.btn--full{width:100%}
.btn--primary{background:var(--action-solid);color:var(--text-inverse);border-color:transparent}
.btn--primary:hover:not(:disabled){background:var(--action-solid-hover)}
.btn--secondary{background:transparent;color:var(--text-heading);border-color:var(--border-hairline-strong)}
.btn--secondary:hover:not(:disabled){border-color:var(--border-keyline)}
.btn--inverse{background:transparent;color:var(--text-inverse);border-color:var(--border-inverse)}
.btn--inverse:hover:not(:disabled){background:var(--cream-100);color:var(--ink-800);border-color:var(--cream-100)}
.btn:disabled{cursor:not-allowed}
.btn--primary:disabled{background:var(--disabled-bg);color:var(--disabled-fg)}
.btn--secondary:disabled,.btn--inverse:disabled{background:transparent;color:var(--disabled-fg);border-color:var(--border-hairline)}

/* ── SiteHeader ───────────────────────────────────────────────── */
.site-header{position:sticky;top:0;z-index:40;height:64px;display:flex;align-items:center;background:transparent;border-bottom:1px solid transparent;transition:background 260ms var(--ease-editorial),border-color 260ms var(--ease-editorial),height 260ms var(--ease-editorial)}
@media (min-width:1440px){.site-header{height:var(--header-h)}}
.site-header__inner{display:flex;align-items:center;gap:32px;width:100%}
.site-header__logo{display:flex;border-bottom:0}
.site-header__logo .brand-lockup{height:40px}
.site-header__logo .logo-ink{display:none}

/* ── Brand lockup — shield mark + wordmark, side by side ───────── */
.brand-lockup{display:inline-flex;align-items:center;gap:10px}
.brand-lockup__mark{position:relative;height:100%;aspect-ratio:226 / 270}
.brand-lockup__mark img{position:absolute;inset:0;height:100%;width:100%}
.brand-lockup__word{position:relative;height:66%;aspect-ratio:1158 / 276}
.brand-lockup__word img{position:absolute;inset:0;height:100%;width:100%}
.brand-lockup--footer{height:44px}
.brand-lockup--drawer{height:32px}
.site-header__nav{display:none;margin-left:auto;gap:28px;font-size:var(--text-body-s);letter-spacing:var(--track-ui)}
@media (min-width:1440px){.site-header__nav{display:flex}}
.site-header__nav a{color:var(--text-inverse);opacity:.82}
.site-header__nav a:hover{opacity:1;color:var(--brass-300);border-bottom-color:var(--brass-400)}
.site-header__cta{display:none;margin-left:auto}
.site-header__cta .btn{white-space:nowrap}
@media (min-width:768px){.site-header__cta{display:block;margin-left:auto}}
@media (min-width:1440px){.site-header__cta{margin-left:0;padding-left:32px;border-left:1px solid var(--border-inverse)}}
.site-header__burger{display:flex;flex-direction:column;justify-content:center;gap:5px;width:44px;height:44px;background:none;border:0;cursor:pointer;padding:0 10px;margin-left:auto}
@media (min-width:768px){.site-header__burger{margin-left:0}}
.site-header__burger span{display:block;height:1px;background:var(--cream-100)}
@media (min-width:1440px){.site-header__burger{display:none}}

/* scrolled state — solid cream, condensed, hairline bottom */
body.is-scrolled .site-header{background:rgba(244,242,237,.92);backdrop-filter:saturate(120%) blur(14px);border-bottom-color:var(--border-hairline);box-shadow:var(--shadow-card)}
@media (min-width:1440px){body.is-scrolled .site-header{height:var(--header-h-condensed)}}
body.is-scrolled .site-header__nav a{color:var(--text-secondary);opacity:1}
body.is-scrolled .site-header__nav a:hover{color:var(--text-link-hover)}
body.is-scrolled .site-header__burger span{background:var(--ink-800)}
@media (min-width:1440px){body.is-scrolled .site-header__cta{border-left-color:var(--border-hairline)}}
body.is-scrolled .site-header__logo .logo-cream{display:none}
body.is-scrolled .site-header__logo .logo-ink{display:block}
body.is-scrolled .site-header__cta .btn{background:var(--action-solid);color:var(--text-inverse);border-color:transparent}
body.is-scrolled .site-header__cta .btn:hover{background:var(--action-solid-hover)}

/* ── HeroVideo ────────────────────────────────────────────────── */
.hero{position:relative;min-height:560px;margin-top:-64px;display:flex;flex-direction:column;justify-content:flex-end;isolation:isolate;background:var(--ink-900)}
@media (min-width:768px){.hero{min-height:640px}}
@media (min-width:1440px){.hero{height:820px;min-height:820px;margin-top:calc(var(--header-h) * -1)}}
.hero__media{position:absolute;inset:0;z-index:-2;overflow:hidden;background:linear-gradient(160deg,var(--ink-900) 0%,var(--ink-800) 46%,#2A3B33 100%)}
.hero__media::after{content:"";position:absolute;inset:0;background:radial-gradient(112% 78% at 20% 14%,rgba(207,195,163,.16),rgba(20,32,29,0) 62%)}
.hero__media video{width:100%;height:100%;object-fit:cover}
@media (prefers-reduced-motion:reduce){.hero__media video{display:none}}
.hero__scrim{position:absolute;inset:0;z-index:-1}
.hero__scrim--bottom{background:linear-gradient(to top,rgba(20,32,29,.80) 0%,rgba(20,32,29,.62) 28%,rgba(20,32,29,.28) 52%,rgba(20,32,29,0) 78%)}
.hero__scrim--top{background:linear-gradient(to bottom,rgba(15,24,21,.82) 0%,rgba(15,24,21,.5) 14%,rgba(15,24,21,0) 28%)}
.hero__content{position:relative;margin-top:auto;padding-bottom:56px;padding-top:200px}
@media (min-width:1440px){.hero__content{padding-bottom:88px}}
.hero__eyebrow{color:var(--brass-300)}
.hero__headline{color:var(--cream-100);font-size:40px;line-height:1.12;letter-spacing:var(--track-display);margin-top:24px;max-width:16ch}
@media (min-width:768px){.hero__headline{font-size:var(--text-display-l);line-height:1.1;margin-top:36px}}
@media (min-width:1440px){.hero__headline{font-size:var(--text-display-xl);line-height:var(--lh-display-xl);margin-top:40px}}
.hero__subhead{color:rgba(248,246,241,.86);font-size:var(--text-body);line-height:1.75;margin-top:28px;max-width:56ch}
@media (min-width:768px){.hero__subhead{font-size:var(--text-body-l);line-height:var(--lh-body-l);max-width:52ch;margin-top:36px}}
@media (min-width:1440px){.hero__subhead{margin-top:48px}}
.hero__actions{margin-top:40px;display:flex}
@media (min-width:768px){.hero__actions{margin-top:48px}}
@media (min-width:1440px){.hero__actions{margin-top:56px}}
@media (min-width:768px){.hero__actions .btn,.closing-cta__actions .btn,.family-office__actions .btn{white-space:nowrap}}
.hero__actions>*{width:100%}
@media (min-width:768px){.hero__actions>*{width:auto}}

/* ── PositioningStatement ─────────────────────────────────────── */
.positioning{background:var(--surface-page)}
.positioning__inner{max-width:var(--container-text);margin:0 auto;display:flex;flex-direction:column;align-items:flex-start;text-align:left}
@media (min-width:1440px){.positioning__inner{align-items:center;text-align:center}}
.positioning__headline{font-size:30px;line-height:1.2;color:var(--ink-800);max-width:26ch;margin-top:0}
@media (min-width:768px){.positioning__headline{font-size:var(--text-display-m);line-height:var(--lh-display-m)}}
@media (min-width:1440px){.positioning__headline{font-size:var(--text-display-l);line-height:1.12;max-width:24ch}}
.positioning__body{font-size:var(--text-body);line-height:1.75;color:var(--text-secondary);margin-top:28px;max-width:62ch}
@media (min-width:768px){.positioning__body{font-size:var(--text-body-l);line-height:var(--lh-body-l);margin-top:36px}}
@media (min-width:1440px){.positioning__body{max-width:58ch;margin-top:48px}}

/* ── Photography ──────────────────────────────────────────────── */
/* Muted grade matches the design system's Figure component treatment. */
.coverage-tile__photo{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;filter:saturate(.82) contrast(.96)}
.about__photo{width:100%;height:100%;aspect-ratio:4 / 3;object-fit:cover;object-position:50% 60%;filter:saturate(.82) contrast(.96);display:block}

/* ── CoverageGrid ─────────────────────────────────────────────── */
.coverage{background:var(--white)}
.coverage__head{max-width:var(--container-text)}
.coverage__headline{font-size:28px;line-height:1.24;margin-top:24px;max-width:24ch}
@media (min-width:768px){.coverage__headline{font-size:var(--text-display-s);line-height:var(--lh-display-s);margin-top:32px}}
@media (min-width:1440px){.coverage__headline{font-size:var(--text-display-m);line-height:var(--lh-display-m);max-width:22ch;margin-top:40px}}
.coverage__grid{margin-top:48px;display:grid;grid-template-columns:1fr;gap:2px}
@media (min-width:768px){.coverage__grid{grid-template-columns:1fr 1fr;margin-top:64px}}
@media (min-width:1440px){.coverage__grid{grid-template-columns:repeat(3,1fr);margin-top:80px}}
.coverage-tile{position:relative;overflow:hidden;height:260px;isolation:isolate;display:block;width:100%;appearance:none;-webkit-appearance:none;border:0;padding:0;margin:0;background:none;font:inherit;color:inherit;text-align:left;cursor:pointer}
@media (min-width:768px){.coverage-tile{height:300px}}
@media (min-width:1440px){.coverage-tile{height:340px}}
.coverage-tile--wide{grid-column:1 / -1;height:260px}
@media (min-width:768px){.coverage-tile--wide{height:240px}}
@media (min-width:1440px){.coverage-tile--wide{height:260px}}
.coverage-tile__flip{position:absolute;inset:0;z-index:1;transform-style:preserve-3d;transition:transform 360ms var(--ease-editorial)}
.coverage-tile:hover .coverage-tile__flip,.coverage-tile.is-open .coverage-tile__flip,.coverage-tile:focus-visible .coverage-tile__flip{transform:rotateY(180deg)}
.coverage-tile__face{position:absolute;inset:0;backface-visibility:hidden;-webkit-backface-visibility:hidden;transition:opacity 360ms var(--ease-editorial)}
.coverage-tile__face--back{transform:rotateY(180deg);opacity:0}
.coverage-tile:hover .coverage-tile__face--back,.coverage-tile.is-open .coverage-tile__face--back,.coverage-tile:focus-visible .coverage-tile__face--back{opacity:1}
.coverage-tile:hover .coverage-tile__face--front,.coverage-tile.is-open .coverage-tile__face--front,.coverage-tile:focus-visible .coverage-tile__face--front{opacity:0}
.coverage-tile__cue{position:absolute;z-index:3;right:20px;bottom:20px;color:var(--brass-300);display:flex;opacity:.8}
.coverage-tile__face--back .coverage-tile__cue{color:var(--brass-600);opacity:1}
@media (min-width:1440px){.coverage-tile__cue{right:32px;bottom:32px}}
/* Brass/ink diagonal wash sits over the photograph, on top of the bottom-heavy
   scrim that keeps the text legible — the same mood as the pre-photography
   placeholder, now layered over the real image rather than replacing it. */
.coverage-tile__scrim{position:absolute;inset:0;z-index:1;background:linear-gradient(152deg,rgba(20,32,29,.50) 0%,rgba(44,64,58,.42) 34%,rgba(74,76,62,.34) 64%,rgba(126,110,72,.34) 100%),linear-gradient(to top,rgba(20,32,29,.78) 0%,rgba(20,32,29,.52) 32%,rgba(20,32,29,.14) 62%,rgba(20,32,29,0) 88%);transition:background 260ms var(--ease-editorial)}
.coverage-tile__scrim--back{background:var(--cream-200)}
.coverage-tile__face--back .coverage-tile__body{color:var(--charcoal-900)}
.coverage-tile__rule{width:40px;height:1px;background:var(--brass-500);margin-top:14px}
@media (min-width:1440px){.coverage-tile__rule{width:48px;margin-top:18px}}
.coverage-tile:hover .coverage-tile__face--front .coverage-tile__scrim{background:linear-gradient(152deg,rgba(20,32,29,.56) 0%,rgba(44,64,58,.46) 34%,rgba(74,76,62,.36) 64%,rgba(126,110,72,.36) 100%),linear-gradient(to top,rgba(20,32,29,.86) 0%,rgba(20,32,29,.64) 38%,rgba(20,32,29,.24) 72%,rgba(20,32,29,.04) 100%)}
.coverage-tile__body{position:absolute;z-index:2;left:20px;right:20px;bottom:20px;color:var(--cream-100)}
@media (min-width:768px){.coverage-tile__body{left:28px;right:28px;bottom:26px}}
@media (min-width:1440px){.coverage-tile__body{left:32px;right:32px;bottom:32px}}
.coverage-tile__face--front .coverage-tile__body{top:20px;display:flex;flex-direction:column;justify-content:flex-end}
@media (min-width:768px){.coverage-tile__face--front .coverage-tile__body{top:26px}}
@media (min-width:1440px){.coverage-tile__face--front .coverage-tile__body{top:32px}}
.coverage-tile__face--back .coverage-tile__body{top:20px;bottom:44px}
@media (min-width:768px){.coverage-tile__face--back .coverage-tile__body{top:26px;bottom:52px}}
@media (min-width:1440px){.coverage-tile__face--back .coverage-tile__body{top:32px;bottom:60px}}
.coverage-tile__icon{color:var(--brass-300)}
.coverage-tile__title{font-size:var(--text-subtitle);line-height:var(--lh-subtitle);color:var(--cream-100);margin-top:16px}
@media (min-width:1440px){.coverage-tile__title{font-size:24px;margin-top:18px}}
.coverage-tile__title--back{margin-top:0;font-size:var(--text-body-l);color:var(--ink-800)}
@media (min-width:1440px){.coverage-tile__title--back{font-size:21px;margin-top:0}}
.coverage-tile__detail{font-size:13px;line-height:1.7;color:var(--charcoal-700);margin-top:14px;max-width:46ch}
@media (min-width:1440px){.coverage-tile__detail{font-size:var(--text-body-s);line-height:1.75;margin-top:16px}}
.coverage-tile__desc{font-size:var(--text-body-s);line-height:var(--lh-body-s);color:rgba(244,242,237,.78);margin-top:12px;max-width:34ch}
@media (prefers-reduced-motion:reduce){
  .coverage-tile__flip{transform:none!important}
  .coverage-tile__face{backface-visibility:visible;-webkit-backface-visibility:visible}
  .coverage-tile__face--back{transform:none}
}

/* ── FamilyOfficeCallout ──────────────────────────────────────── */
.family-office{background:linear-gradient(160deg,var(--ink-900) 0%,var(--ink-800) 46%,#2A3B33 100%);color:var(--text-inverse)}
.family-office__grid{display:grid;grid-template-columns:1fr;gap:40px}
@media (min-width:768px){.family-office__grid{gap:48px}}
@media (min-width:1440px){.family-office__grid{grid-template-columns:1fr 1fr;gap:96px;align-items:start}}
.family-office__headline{color:var(--cream-100);font-size:30px;line-height:1.2;margin-top:24px;max-width:20ch}
@media (min-width:768px){.family-office__headline{font-size:var(--text-display-m);line-height:var(--lh-display-m);margin-top:32px}}
@media (min-width:1440px){.family-office__headline{font-size:var(--text-display-l);line-height:var(--lh-display-l);max-width:16ch;margin-top:40px}}
.family-office__body{color:rgba(248,246,241,.82);font-size:var(--text-body);line-height:1.75;max-width:62ch}
@media (min-width:768px){.family-office__body{font-size:var(--text-body-l);line-height:var(--lh-body-l)}}
.family-office__actions{margin-top:40px;display:flex}
.family-office__actions>*{width:100%}
@media (min-width:768px){.family-office__actions{margin-top:48px}.family-office__actions>*{width:auto}}
@media (min-width:1440px){.family-office__actions{margin-top:56px}}

/* ── DifferentiatorList ───────────────────────────────────────── */
.differentiators{background:var(--surface-page)}
.differentiators__grid{display:grid;grid-template-columns:1fr;gap:0;margin-top:48px}
@media (min-width:768px){.differentiators__grid{margin-top:56px}}
@media (min-width:1440px){.differentiators__grid{grid-template-columns:1fr 1fr;column-gap:96px;margin-top:0}}
.differentiators__head{max-width:var(--container-text)}
.differentiators__headline{font-size:28px;line-height:1.24;margin-top:24px;max-width:22ch}
@media (min-width:768px){.differentiators__headline{font-size:var(--text-display-s);line-height:var(--lh-display-s);margin-top:32px}}
@media (min-width:1440px){.differentiators__headline{font-size:var(--text-display-m);line-height:var(--lh-display-m);max-width:14ch;margin-top:40px}}
.diff-item{display:grid;grid-template-columns:24px 1fr;gap:20px;align-items:start;padding:20px 0;border-bottom:1px solid var(--border-hairline)}
@media (min-width:768px){.diff-item{padding:24px 0;gap:24px}}
.diff-item:first-child{border-top:1px solid var(--border-hairline)}
@media (min-width:1440px){.diff-item:nth-child(5){border-top:1px solid var(--border-hairline)}}
.diff-item__mark{height:1px;background:var(--brass-500);margin-top:13px}
.diff-item__text{font-size:var(--text-body);line-height:1.7;color:var(--text-secondary);max-width:46ch;margin:0}

/* ── ClientBenefits ───────────────────────────────────────────── */
.benefits{background:var(--ink-900);color:var(--text-inverse)}
.benefits__head{max-width:var(--container-text)}
.benefits__headline{color:var(--cream-100);font-size:28px;line-height:1.24;margin-top:24px;max-width:24ch}
@media (min-width:768px){.benefits__headline{font-size:var(--text-display-s);line-height:var(--lh-display-s);margin-top:32px}}
@media (min-width:1440px){.benefits__headline{font-size:var(--text-display-m);line-height:var(--lh-display-m);max-width:22ch;margin-top:40px}}
.benefits__grid{margin-top:48px;display:grid;grid-template-columns:1fr;gap:1px;background:var(--border-inverse)}
@media (min-width:768px){.benefits__grid{margin-top:64px}}
@media (min-width:1440px){.benefits__grid{grid-template-columns:repeat(3,1fr);margin-top:80px}}
.benefit-cell{background:var(--ink-900);padding:28px 24px}
@media (min-width:768px){.benefit-cell{padding:32px}}
.benefit-cell__title{font-size:var(--text-body-l);line-height:1.35;color:var(--cream-100)}
.benefit-cell__rule{width:32px;height:1px;background:var(--brass-500);margin-top:16px}
.benefit-cell__desc{font-size:var(--text-body-s);line-height:1.68;color:var(--text-inverse-muted);margin-top:16px}

/* ── ProcessSteps ─────────────────────────────────────────────── */
.process{background:var(--white)}
.process__headline{font-size:28px;line-height:1.24;margin-top:24px;max-width:24ch}
@media (min-width:768px){.process__headline{font-size:var(--text-display-s);line-height:var(--lh-display-s);margin-top:32px}}
@media (min-width:1440px){.process__headline{font-size:var(--text-display-m);line-height:var(--lh-display-m);max-width:22ch;margin-top:40px}}
.process__steps{display:grid;grid-template-columns:1fr;margin-top:48px;border-top:1px solid var(--border-hairline)}
@media (min-width:768px){.process__steps{margin-top:64px}}
@media (min-width:1440px){.process__steps{grid-template-columns:repeat(3,1fr);margin-top:80px;border-top:1px solid var(--border-keyline-soft)}}
.process-step{padding:28px 0;border-bottom:1px solid var(--border-hairline)}
@media (min-width:768px){.process-step{padding:32px 0}}
@media (min-width:1440px){.process-step{padding:40px 40px 0 0;border-bottom:0;border-right:1px solid var(--border-hairline)}.process-step:last-child{border-right:0}.process-step:not(:first-child){padding-left:40px}}
.process-step__num{font-family:var(--font-display);font-size:34px;line-height:1;color:var(--brass-500)}
@media (min-width:1440px){.process-step__num{font-size:44px}}
.process-step__title{font-size:var(--text-subtitle);line-height:var(--lh-subtitle);margin-top:24px}
@media (min-width:1440px){.process-step__title{font-size:var(--text-title);line-height:var(--lh-title);margin-top:32px}}
.process-step__desc{font-size:var(--text-body-s);line-height:1.7;color:var(--text-muted);margin-top:16px;max-width:34ch}

/* ── AboutHeritage ────────────────────────────────────────────── */
.about{background:var(--surface-page)}
.about__grid{display:grid;grid-template-columns:1fr;gap:40px}
@media (min-width:768px){.about__grid{gap:48px}}
@media (min-width:1440px){.about__grid{grid-template-columns:1fr 1fr;gap:96px;align-items:center}}
.about__headline{font-size:28px;line-height:1.24;margin-top:24px;max-width:22ch}
@media (min-width:768px){.about__headline{font-size:var(--text-display-s);line-height:var(--lh-display-s);margin-top:32px}}
@media (min-width:1440px){.about__headline{font-size:var(--text-display-m);line-height:var(--lh-display-m);max-width:18ch;margin-top:40px}}
.about__body{font-size:var(--text-body);line-height:1.75;color:var(--text-secondary);margin-top:28px;max-width:62ch}
@media (min-width:768px){.about__body{font-size:var(--text-body-l);line-height:var(--lh-body-l);margin-top:36px}}
@media (min-width:1440px){.about__body{margin-top:48px}}
.about__figure-frame{padding:12px;border:1px solid var(--border-keyline-soft);overflow:hidden}

/* ── ClosingCta ───────────────────────────────────────────────── */
.closing-cta{background:var(--white)}
.closing-cta__panel{border:1px solid var(--border-keyline-soft);background:var(--surface-page);padding:40px 20px;text-align:center}
@media (min-width:768px){.closing-cta__panel{padding:64px 48px}}
@media (min-width:1440px){.closing-cta__panel{padding:96px 64px}}
.closing-cta__headline{font-size:28px;line-height:1.24;margin:0 auto;max-width:22ch}
@media (min-width:768px){.closing-cta__headline{font-size:var(--text-display-m);line-height:var(--lh-display-m)}}
@media (min-width:1440px){.closing-cta__headline{font-size:var(--text-display-l);line-height:var(--lh-display-l);max-width:20ch}}
.closing-cta__body{font-size:var(--text-body);line-height:1.75;color:var(--text-secondary);margin:28px auto 0;max-width:52ch}
@media (min-width:768px){.closing-cta__body{font-size:var(--text-body-l);line-height:var(--lh-body-l);margin-top:36px}}
@media (min-width:1440px){.closing-cta__body{margin-top:48px}}
.closing-cta__actions{margin-top:40px;display:flex;justify-content:center}
.closing-cta__actions>*{width:100%}
@media (min-width:768px){.closing-cta__actions{margin-top:48px}.closing-cta__actions>*{width:auto}}
@media (min-width:1440px){.closing-cta__actions{margin-top:56px}}
.closing-cta__detail{margin-top:20px;font-size:12px;line-height:1.6;letter-spacing:.02em;color:var(--charcoal-500)}
@media (min-width:1440px){.closing-cta__detail{margin-top:24px}}

/* ── SiteFooter ───────────────────────────────────────────────── */
.site-footer{background:var(--ink-900);color:var(--text-inverse);padding-block:56px 32px}
@media (min-width:768px){.site-footer{padding-block:72px 40px}}
@media (min-width:1440px){.site-footer{padding-block:var(--space-12) var(--space-9)}}
.site-footer__grid{display:grid;grid-template-columns:1fr;gap:40px}
@media (min-width:768px){.site-footer__grid{grid-template-columns:1fr 1fr;gap:48px 32px}}
@media (min-width:1440px){.site-footer__grid{grid-template-columns:1.5fr 1fr 1fr;gap:32px}}
.site-footer__col-label{font-size:var(--text-eyebrow);letter-spacing:var(--track-eyebrow);text-transform:uppercase;color:rgba(244,242,237,.66);font-weight:var(--weight-medium)}
.site-footer__list{margin-top:24px;display:flex;flex-direction:column;gap:12px;font-size:var(--text-body-s);line-height:1.6;color:rgba(244,242,237,.72)}
.site-footer__list a{color:rgba(244,242,237,.72)}
.site-footer__list a:hover{color:var(--brass-300);border-bottom-color:var(--brass-400)}
.site-footer__note{margin-top:24px;font-size:var(--text-body-s);line-height:1.7;color:rgba(244,242,237,.66);max-width:34ch}
.site-footer__legal{margin-top:48px;padding-top:24px;border-top:1px solid var(--border-inverse);display:flex;flex-direction:column;gap:8px;font-size:var(--text-caption);line-height:var(--lh-caption);color:rgba(244,242,237,.56)}
@media (min-width:1440px){.site-footer__legal{flex-direction:row;justify-content:space-between;align-items:baseline}}
.tbd{border-bottom:1px dashed var(--brass-400);color:rgba(244,242,237,.5)}
.tbd::after{content:" [placeholder]";font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:var(--brass-400)}

/* ── MobileNavDrawer ─────────────────────────────────────────── */
.nav-drawer{position:fixed;inset:0;z-index:70;background:var(--ink-900);display:none;flex-direction:column;padding:20px}
.nav-drawer.is-open{display:flex}
.nav-drawer__top{display:flex;align-items:center;justify-content:space-between;height:44px}
.nav-drawer__close{width:44px;height:44px;background:none;border:0;color:var(--cream-100);font-size:22px;cursor:pointer;line-height:1}
.nav-drawer__links{margin-top:40px;display:flex;flex-direction:column;gap:0}
.nav-drawer__links a{font-family:var(--font-display);font-size:26px;line-height:1.3;color:var(--cream-100);padding:16px 0;border-bottom:1px solid var(--border-inverse);min-height:44px}
.nav-drawer__cta{margin-top:40px}
.nav-drawer__cta>*{width:100%}

/* ── Scroll reveal ───────────────────────────────────────────── */
@media (prefers-reduced-motion:no-preference){
  [data-reveal] .rv,[data-reveal] .rv-stagger>*{opacity:0;transform:translateY(12px);transition:opacity 620ms var(--ease-editorial),transform 620ms var(--ease-editorial)}
  [data-reveal].is-in .rv,[data-reveal].is-in .rv-stagger>*{opacity:1;transform:none}
  .rv-1{transition-delay:0ms}.rv-2{transition-delay:90ms}.rv-3{transition-delay:180ms}.rv-4{transition-delay:270ms}
  .rv-stagger>*:nth-child(1){transition-delay:60ms}.rv-stagger>*:nth-child(2){transition-delay:120ms}.rv-stagger>*:nth-child(3){transition-delay:180ms}.rv-stagger>*:nth-child(4){transition-delay:240ms}.rv-stagger>*:nth-child(5){transition-delay:300ms}.rv-stagger>*:nth-child(6){transition-delay:360ms}.rv-stagger>*:nth-child(7){transition-delay:420ms}.rv-stagger>*:nth-child(8){transition-delay:480ms}
}

/* ── Intake modal ────────────────────────────────────────────── */
.modal-scrim{position:fixed;inset:0;z-index:80;display:none;place-items:center;padding:var(--space-7);background:var(--surface-scrim);backdrop-filter:var(--blur-chrome)}
.modal-scrim.is-open{display:grid}
.modal-card{position:relative;width:100%;max-width:560px;max-height:calc(100vh - 64px);overflow-y:auto;background:var(--cream-200);border:1px solid var(--border-keyline-soft);border-radius:var(--radius-xs);box-shadow:var(--shadow-overlay);padding:var(--pad-card)}
.modal-head{display:flex;align-items:flex-start;gap:var(--space-5)}
.modal-head__text{flex:1}
.modal-eyebrow{font-family:var(--font-sans);font-size:var(--text-eyebrow);letter-spacing:var(--track-eyebrow);text-transform:uppercase;color:var(--text-accent);font-weight:var(--weight-medium);margin-bottom:var(--space-3)}
.modal-title{font-family:var(--font-display);font-size:var(--text-display-s);line-height:var(--lh-display-s);color:var(--text-heading);margin:0}
.modal-close{width:32px;height:32px;flex:0 0 auto;display:grid;place-items:center;background:none;border:0;cursor:pointer;color:var(--text-muted);padding:0;position:relative}
.modal-close span{position:absolute;top:15px;left:9px;width:14px;height:1px;background:currentColor}
.modal-close span:first-child{transform:rotate(45deg)}
.modal-close span:last-child{transform:rotate(-45deg)}
.modal-body{margin-top:var(--space-6);font-size:var(--text-body);line-height:var(--lh-body);color:var(--text-secondary)}
.modal-footer{margin-top:var(--space-8);padding-top:var(--space-6);border-top:1px solid var(--border-hairline);display:flex;gap:var(--gap-control);justify-content:flex-end}

/* ── Form fields ─────────────────────────────────────────────── */
.field-group{display:flex;flex-direction:column;gap:var(--space-2)}
.field-label{font-family:var(--font-sans);font-size:var(--text-eyebrow);letter-spacing:var(--track-eyebrow);text-transform:uppercase;color:var(--text-muted);font-weight:var(--weight-medium)}
.field-label .req{color:var(--text-accent)}
.field-input,.field-textarea{font-family:var(--font-sans);font-size:var(--text-body);line-height:1.5;color:var(--text-body);background:var(--surface-card);border:1px solid var(--border-field);border-radius:var(--radius-xs);padding:12px 14px;width:100%;box-shadow:var(--shadow-inset-field);transition:var(--transition-control);outline:none}
.field-textarea{resize:vertical;min-height:72px}
.field-input:focus,.field-textarea:focus{border-color:var(--brass-500)}
.field-input.has-error,.field-textarea.has-error{border-color:var(--status-critical)}
.field-input:disabled,.field-textarea:disabled{background:var(--disabled-bg);color:var(--disabled-fg)}
.field-help{font-family:var(--font-sans);font-size:var(--text-caption);line-height:var(--lh-caption);color:var(--text-muted);margin:0}
.field-help.is-error{color:var(--status-critical)}
.field-honeypot{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}