/* ============================================================
   SKG FINANCIAL SERVICES — SHARED STYLES
   Used across all pages
   ============================================================ */

:root {
  --ink: #0d1117;
  --ink-soft: #2b2e33;
  --ivory: #f4efe5;
  --ivory-warm: #ede5d2;
  --paper: #fbf8f1;
  --teal: #2a97ad;
  --teal-deep: #1d7a8c;
  --green: #3e9a5a;
  --green-deep: #2a7a42;
  --accent-grad: linear-gradient(180deg, #4c8855 0%, #48a0b6 100%);
  --accent-grad-h: linear-gradient(90deg, #4c8855 0%, #48a0b6 100%);
  --rule: rgba(13, 17, 23, 0.12);
  --rule-strong: rgba(13, 17, 23, 0.28);
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  background: var(--paper);
  color: var(--ink);
  font-family: 'Instrument Sans', sans-serif;
  font-size: 17px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

body::before {
  content: '';
  position: fixed;
  inset: 0;
  pointer-events: none;
  z-index: 1;
  opacity: 0.35;
  mix-blend-mode: multiply;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='180' height='180'><filter id='n'><feTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2' stitchTiles='stitch'/><feColorMatrix values='0 0 0 0 0.1  0 0 0 0 0.1  0 0 0 0 0.1  0 0 0 0.08 0'/></filter><rect width='100%25' height='100%25' filter='url(%23n)'/></svg>");
}

a { color: inherit; text-decoration: none; }
::selection { background: var(--teal); color: var(--ivory); }

/* Typography utilities */
.display { font-family: 'Fraunces', serif; font-variation-settings: "opsz" 144, "SOFT" 50; font-weight: 300; letter-spacing: -0.025em; line-height: 1.02; }
.eyebrow { font-family: 'JetBrains Mono', monospace; font-size: 11px; letter-spacing: 0.22em; text-transform: uppercase; font-weight: 500; color: var(--teal-deep); }
.lead { font-family: 'Fraunces', serif; font-weight: 300; font-style: italic; font-size: clamp(1.2rem, 1.6vw, 1.55rem); line-height: 1.5; color: var(--ink-soft); }

.wrap { max-width: 1360px; margin: 0 auto; padding: 0 clamp(1.5rem, 4vw, 3.5rem); position: relative; z-index: 2; }
section { position: relative; z-index: 2; }

/* Gradient text utility */
.grad-text {
  background: var(--accent-grad);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

/* ============ NAV ============ */
nav.top {
  position: fixed; top: 0; left: 0; right: 0;
  z-index: 100;
  padding: 1rem 0;
  background: rgba(251, 248, 241, 0.85);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid transparent;
  transition: border-color .3s ease, padding .3s ease;
}
nav.top.scrolled { border-color: var(--rule); padding: 0.65rem 0; }
.nav-inner { display: flex; align-items: center; justify-content: space-between; }
.nav-logo {
  height: 44px;
  width: auto;
  display: block;
  transition: height .3s ease;
}
nav.top.scrolled .nav-logo { height: 36px; }
.nav-menu { display: flex; gap: 2rem; align-items: center; }
.nav-menu > a, .nav-menu > .nav-dropdown > a {
  font-size: 14px; color: var(--ink-soft);
  position: relative; transition: color .2s;
  padding: 0.4rem 0;
}
.nav-menu > a:hover, .nav-menu > .nav-dropdown > a:hover { color: var(--ink); }
.nav-menu > a.active, .nav-menu > .nav-dropdown.active > a {
  color: var(--ink);
  font-weight: 500;
}
.nav-menu > a::after, .nav-menu > .nav-dropdown > a::after {
  content: ''; position: absolute; bottom: -4px; left: 0;
  width: 0; height: 1px; background: var(--accent-grad-h);
  transition: width .3s;
}
.nav-menu > a:hover::after, .nav-menu > .nav-dropdown:hover > a::after,
.nav-menu > a.active::after, .nav-menu > .nav-dropdown.active > a::after { width: 100%; }

/* Dropdown */
.nav-dropdown { position: relative; }
.nav-dropdown-menu {
  position: absolute;
  top: 100%; left: -1.5rem;
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: 3px;
  padding: 1rem 0;
  min-width: 280px;
  box-shadow: 0 12px 32px rgba(13, 17, 23, 0.08);
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: opacity .25s ease, transform .25s ease, visibility .25s;
  margin-top: 6px;
}
.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown:focus-within .nav-dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.nav-dropdown-menu a {
  display: block;
  padding: 0.7rem 1.5rem;
  font-size: 14px;
  color: var(--ink-soft);
  transition: background .2s, color .2s, padding-left .2s;
  position: relative;
}
.nav-dropdown-menu a:hover {
  color: var(--ink);
  background: var(--ivory);
  padding-left: 1.8rem;
}
.nav-dropdown-menu a small {
  display: block;
  font-family: 'JetBrains Mono', monospace;
  font-size: 9.5px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--teal-deep);
  margin-bottom: 0.15rem;
}
.nav-dropdown-menu hr {
  border: none;
  border-top: 1px solid var(--rule);
  margin: 0.5rem 1.5rem;
}

.nav-cta {
  padding: 0.6rem 1.2rem;
  background: var(--ink); color: var(--ivory);
  font-size: 13px; letter-spacing: 0.02em;
  border-radius: 2px;
  transition: background .2s;
  position: relative;
  overflow: hidden;
}
.nav-cta::before {
  content: '';
  position: absolute; left: 0; top: 0; bottom: 0;
  width: 3px;
  background: var(--accent-grad);
}
.nav-cta:hover { background: var(--teal-deep); }
.nav-cta::after { display: none; }

.menu-toggle { display: none; background: none; border: none; cursor: pointer; padding: 0.4rem; z-index: 101; position: relative; }
.menu-toggle span { display: block; width: 22px; height: 1.5px; background: var(--ink); margin: 5px 0; transition: transform .3s, opacity .3s; }
.menu-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.menu-toggle.open span:nth-child(2) { opacity: 0; }
.menu-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile menu */
.mobile-menu {
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  background: var(--paper);
  z-index: 99;
  padding: 6rem 2rem 2rem;
  transform: translateX(100%);
  transition: transform .35s cubic-bezier(0.22, 1, 0.36, 1);
  overflow-y: auto;
}
.mobile-menu.open { transform: translateX(0); }
.mobile-menu a {
  display: block;
  padding: 1rem 0;
  font-family: 'Fraunces', serif;
  font-size: 1.6rem;
  font-weight: 400;
  border-bottom: 1px solid var(--rule);
}
.mobile-menu a small {
  display: block;
  font-family: 'JetBrains Mono', monospace;
  font-size: 10px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--teal-deep);
  margin-bottom: 0.2rem;
}

/* ============ BUTTONS ============ */
.btn-group { display: flex; gap: 0.9rem; flex-wrap: wrap; }
.btn {
  display: inline-flex; align-items: center; gap: 0.6rem;
  padding: 0.95rem 1.6rem;
  font-family: 'Instrument Sans'; font-size: 14px; font-weight: 500;
  letter-spacing: 0.01em;
  border-radius: 2px;
  transition: all .25s ease;
  cursor: pointer;
  border: 1px solid transparent;
}
.btn-primary { background: var(--ink); color: var(--ivory); position: relative; overflow: hidden; }
.btn-primary::before {
  content: '';
  position: absolute; left: 0; top: 0; bottom: 0;
  width: 3px;
  background: var(--accent-grad);
}
.btn-primary:hover { background: var(--teal-deep); transform: translateY(-1px); }
.btn-ghost { background: transparent; color: var(--ink); border-color: var(--rule-strong); }
.btn-ghost:hover { background: var(--ink); color: var(--ivory); border-color: var(--ink); }
.btn .arrow { transition: transform .25s; }
.btn:hover .arrow { transform: translateX(4px); }

/* ============ PAGE HERO (smaller than homepage hero) ============ */
.page-hero {
  padding: 9rem 0 5rem;
  border-bottom: 1px solid var(--rule);
  position: relative;
}
.page-hero-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 4rem;
  align-items: end;
}
.page-hero h1 {
  font-family: 'Fraunces', serif;
  font-weight: 300;
  font-size: clamp(2.6rem, 6vw, 5.5rem);
  line-height: 0.98;
  letter-spacing: -0.03em;
}
.page-hero h1 em {
  font-style: italic;
  background: var(--accent-grad);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}
.page-hero-eyebrow {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 2rem;
  padding-bottom: 1.5rem;
  border-bottom: 1px solid var(--rule);
}
.breadcrumb {
  font-family: 'JetBrains Mono', monospace;
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--ink-soft);
}
.breadcrumb a {
  color: var(--ink-soft);
  transition: color .2s;
  border-bottom: 1px solid transparent;
}
.breadcrumb a:hover { color: var(--ink); border-color: var(--teal); }
.breadcrumb-sep { margin: 0 0.6rem; color: var(--teal); }
.page-hero-right {
  padding-bottom: 0.5rem;
  border-left: 1px solid var(--rule);
  padding-left: 2.5rem;
}
.page-hero-right p {
  font-size: 17px;
  color: var(--ink-soft);
  margin-bottom: 1.5rem;
}

/* ============ PROSE / RICH CONTENT BLOCKS ============ */
.section-pad { padding: 6rem 0; border-bottom: 1px solid var(--rule); }
.section-pad-lg { padding: 8rem 0; border-bottom: 1px solid var(--rule); }

.section-header {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  margin-bottom: 5rem;
  align-items: end;
}
.section-header h2 {
  font-family: 'Fraunces', serif;
  font-weight: 300;
  font-size: clamp(2.2rem, 4.5vw, 4rem);
  line-height: 1.05;
  letter-spacing: -0.03em;
}
.section-header h2 em {
  font-style: italic;
  background: var(--accent-grad);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}
.section-header-sub { max-width: 460px; font-size: 16px; color: var(--ink-soft); }
.eyebrow.col { display: block; margin-bottom: 1.5rem; }

/* Two-column prose layout for service pages */
.prose-2col {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 5rem;
  margin-bottom: 5rem;
}
.prose-2col h3 {
  font-family: 'Fraunces', serif;
  font-weight: 400;
  font-size: 1.6rem;
  letter-spacing: -0.02em;
  margin-bottom: 0.8rem;
  line-height: 1.15;
}
.prose-2col p { font-size: 16px; color: var(--ink-soft); line-height: 1.7; margin-bottom: 1.2rem; }
.prose-2col ul { list-style: none; padding-left: 0; margin-bottom: 1.5rem; }
.prose-2col ul li {
  position: relative;
  padding: 0.5rem 0 0.5rem 1.6rem;
  font-size: 15.5px;
  color: var(--ink-soft);
  line-height: 1.6;
  border-bottom: 1px solid var(--rule);
}
.prose-2col ul li:last-child { border-bottom: none; }
.prose-2col ul li::before {
  content: '→';
  position: absolute;
  left: 0;
  color: var(--teal);
  font-family: 'Fraunces', serif;
}
.prose-aside {
  font-family: 'JetBrains Mono', monospace;
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--teal-deep);
  position: sticky;
  top: 7rem;
}
.prose-aside-num {
  font-family: 'Fraunces', serif;
  font-style: italic;
  font-weight: 200;
  font-size: 4rem;
  line-height: 1;
  background: var(--accent-grad);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  margin-top: 0.8rem;
  display: block;
}

/* Includes/excludes split */
.scope-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  margin: 2rem 0 3rem;
}
.scope-card {
  padding: 1.8rem;
  background: var(--ivory);
  border-left: 3px solid var(--teal);
  border-radius: 2px;
}
.scope-card.excl { border-left-color: var(--rule-strong); }
.scope-card h4 {
  font-family: 'JetBrains Mono', monospace;
  font-size: 10px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--teal-deep);
  margin-bottom: 0.8rem;
  font-weight: 500;
}
.scope-card.excl h4 { color: var(--ink-soft); }
.scope-card ul { list-style: none; padding: 0; margin: 0; }
.scope-card ul li {
  padding: 0.4rem 0;
  font-size: 14px;
  color: var(--ink);
  border: none !important;
}
.scope-card ul li::before { display: none; }

/* FAQ accordion */
.faq-list {
  max-width: 880px;
  margin-top: 3rem;
}
.faq {
  border-top: 1px solid var(--rule-strong);
}
.faq:last-child { border-bottom: 1px solid var(--rule-strong); }
.faq summary {
  padding: 1.6rem 0;
  list-style: none;
  cursor: pointer;
  font-family: 'Fraunces', serif;
  font-size: 1.15rem;
  font-weight: 400;
  letter-spacing: -0.01em;
  display: flex;
  justify-content: space-between;
  gap: 2rem;
  align-items: center;
  transition: color .2s;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: '+';
  font-family: 'Fraunces', serif;
  font-style: italic;
  font-size: 1.6rem;
  font-weight: 200;
  color: var(--teal-deep);
  transition: transform .25s ease;
}
.faq[open] summary::after { transform: rotate(45deg); }
.faq summary:hover { color: var(--teal-deep); }
.faq-body {
  padding: 0 0 2rem;
  font-size: 15.5px;
  color: var(--ink-soft);
  line-height: 1.7;
  max-width: 720px;
}
.faq-body p { margin-bottom: 1rem; }
.faq-body p:last-child { margin-bottom: 0; }

/* Service-page CTA strip (smaller than homepage CTA) */
.cta-strip {
  padding: 6rem 0;
  background: var(--ink);
  color: var(--ivory);
  position: relative;
  overflow: hidden;
}
.cta-strip::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse at 15% 30%, rgba(42, 151, 173, 0.16) 0%, transparent 55%),
              radial-gradient(ellipse at 85% 70%, rgba(62, 154, 90, 0.1) 0%, transparent 55%);
  pointer-events: none;
}
.cta-strip-inner {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 4rem;
  align-items: center;
  position: relative;
  z-index: 2;
}
.cta-strip h2 {
  font-family: 'Fraunces', serif;
  font-weight: 300;
  font-size: clamp(2rem, 4vw, 3.5rem);
  line-height: 1.05;
  letter-spacing: -0.025em;
}
.cta-strip h2 em {
  font-style: italic;
  background: var(--accent-grad);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}
.cta-strip p {
  margin-top: 1.2rem;
  font-family: 'Fraunces', serif;
  font-style: italic;
  font-size: 1.1rem;
  color: rgba(244, 239, 229, 0.7);
  max-width: 560px;
}
.cta-strip .btn-primary {
  background: var(--accent-grad-h);
  color: var(--ink);
  border-left: none;
}
.cta-strip .btn-primary::before { display: none; }
.cta-strip .btn-primary:hover { background: var(--ivory); }
.cta-strip .btn-ghost { border-color: rgba(244,239,229,0.3); color: var(--ivory); }
.cta-strip .btn-ghost:hover { background: var(--ivory); color: var(--ink); border-color: var(--ivory); }

/* Inline page nav (left aside) */
.page-with-aside {
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: 5rem;
  padding: 6rem 0;
}
.page-aside {
  position: sticky;
  top: 7rem;
  align-self: start;
}
.page-aside h6 {
  font-family: 'JetBrains Mono', monospace;
  font-size: 10.5px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--teal-deep);
  margin-bottom: 1.2rem;
  font-weight: 500;
}
.page-aside ul { list-style: none; padding: 0; }
.page-aside li {
  padding: 0.5rem 0;
  border-top: 1px solid var(--rule);
}
.page-aside li:last-child { border-bottom: 1px solid var(--rule); }
.page-aside li a {
  font-size: 14px;
  color: var(--ink-soft);
  display: block;
  transition: color .2s, padding-left .2s;
}
.page-aside li a:hover { color: var(--ink); padding-left: 0.4rem; }
.page-aside li a.current { color: var(--ink); font-weight: 500; }
.page-aside li a.current::before {
  content: '→ ';
  color: var(--teal);
}

/* Related services strip */
.related {
  padding: 6rem 0;
  background: var(--ivory);
  border-bottom: 1px solid var(--rule);
}
.related-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-top: 3rem;
}
.related-card {
  padding: 2rem;
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: 3px;
  transition: transform .3s, box-shadow .3s;
  display: block;
  position: relative;
  overflow: hidden;
}
.related-card::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0;
  height: 2px;
  background: var(--accent-grad);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .4s ease;
}
.related-card:hover { transform: translateY(-4px); box-shadow: 0 18px 38px rgba(13, 17, 23, 0.08); }
.related-card:hover::before { transform: scaleX(1); }
.related-card .eyebrow { display: block; margin-bottom: 0.8rem; }
.related-card h4 {
  font-family: 'Fraunces', serif;
  font-weight: 400;
  font-size: 1.35rem;
  margin-bottom: 0.6rem;
  letter-spacing: -0.015em;
}
.related-card p {
  font-size: 14px;
  color: var(--ink-soft);
  line-height: 1.6;
  margin-bottom: 1rem;
}
.related-card .arrow-link {
  font-family: 'JetBrains Mono', monospace;
  font-size: 11px;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--teal-deep);
}

/* ============ FOOTER ============ */
footer {
  background: var(--ink);
  color: rgba(244, 239, 229, 0.7);
  padding: 3rem 0 2rem;
  border-top: 1px solid rgba(244, 239, 229, 0.08);
  font-size: 13px;
  position: relative;
}
footer::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; height: 2px;
  background: var(--accent-grad);
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 3rem;
  padding-bottom: 2.5rem;
  border-bottom: 1px solid rgba(244, 239, 229, 0.08);
  margin-bottom: 2rem;
}
.footer-logo {
  height: 56px;
  filter: invert(1) brightness(1.05);
  margin-bottom: 1.2rem;
}
.footer-brand p { font-size: 13.5px; line-height: 1.65; max-width: 320px; }
.tpb-badge {
  display: flex;
  align-items: center;
  gap: 0.9rem;
  margin-top: 1.6rem;
  padding: 0.9rem 1rem;
  background: rgba(244, 239, 229, 0.04);
  border: 1px solid rgba(244, 239, 229, 0.12);
  border-radius: 3px;
  max-width: 320px;
}
.tpb-mark { flex-shrink: 0; }
.tpb-label {
  font-family: 'JetBrains Mono', monospace;
  font-size: 9.5px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(244, 239, 229, 0.55);
  margin-bottom: 0.2rem;
}
.tpb-num {
  font-family: 'Fraunces', serif;
  font-size: 13.5px;
  font-weight: 400;
  color: var(--ivory);
  letter-spacing: -0.005em;
}
footer h6 {
  font-family: 'JetBrains Mono', monospace;
  font-size: 10.5px;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 1.2rem;
  font-weight: 500;
}
footer ul { list-style: none; }
footer ul li { padding: 0.3rem 0; }
footer a:hover { color: var(--teal); }
.footer-bottom {
  display: flex; justify-content: space-between; flex-wrap: wrap;
  gap: 1rem;
  font-family: 'JetBrains Mono', monospace;
  font-size: 10.5px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(244, 239, 229, 0.45);
}

/* ============ REVEAL ANIMATION ============ */
[data-reveal] {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 1s cubic-bezier(0.22, 1, 0.36, 1), transform 1s cubic-bezier(0.22, 1, 0.36, 1);
}
[data-reveal].visible { opacity: 1; transform: translateY(0); }
[data-reveal][data-delay="1"] { transition-delay: 0.1s; }
[data-reveal][data-delay="2"] { transition-delay: 0.2s; }
[data-reveal][data-delay="3"] { transition-delay: 0.3s; }
[data-reveal][data-delay="4"] { transition-delay: 0.4s; }

/* ============ RESPONSIVE ============ */
@media (max-width: 960px) {
  .nav-menu { display: none; }
  .menu-toggle { display: block; }
  .page-hero-grid, .section-header, .cta-strip-inner, .prose-2col, .page-with-aside { grid-template-columns: 1fr; gap: 2.5rem; }
  .page-hero-right { border-left: none; padding-left: 0; padding-top: 2rem; border-top: 1px solid var(--rule); }
  .footer-grid, .related-grid, .scope-grid { grid-template-columns: repeat(2, 1fr); }
  .nav-logo { height: 36px; }
  .page-aside { position: static; }
  .page-with-aside { padding: 4rem 0; }
}
@media (max-width: 600px) {
  .footer-grid, .related-grid, .scope-grid { grid-template-columns: 1fr; }
  .section-header { margin-bottom: 3rem; }
  .section-pad, .section-pad-lg { padding: 4rem 0; }
  .cta-strip { padding: 4rem 0; }
  .nav-logo { height: 30px; }
  .page-hero { padding: 7rem 0 3rem; }
}