:root{
  --surface:#F7F5F0; --raised:#FFFFFF; --ink:#0F1B2A; --muted:#4A5666; --hair:#D9D4CA;
  --navy:#13294B; --brass:#B07D2B; --brass-text:#8A5F17; --soft:#DCE7F3;
  --serif:"Fraunces",Georgia,serif; --sans:"Inter",system-ui,-apple-system,"Segoe UI",sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--surface);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.6}
img{max-width:100%;display:block}
a{color:var(--navy)}
.wrap{max-width:1160px;margin:0 auto;padding:0 24px}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.15;margin:0}
h1{font-size:clamp(36px,5.2vw,60px);letter-spacing:-.01em}
h2{font-size:clamp(28px,3.4vw,40px)}
h3{font-size:22px}
p{margin:0}
.eyebrow{font-size:12px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--brass-text)}
.lead{font-size:19px;color:var(--muted);max-width:640px}

/* header */
header{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.96);border-bottom:1px solid var(--hair);backdrop-filter:saturate(1.2) blur(6px)}
.nav{display:flex;align-items:center;gap:24px;min-height:68px;flex-wrap:wrap}
.brand{display:flex;align-items:baseline;gap:8px;text-decoration:none;color:var(--ink);margin-right:auto}
.brand b{font-family:var(--serif);font-size:26px;font-weight:600;letter-spacing:-.01em}
.brand span{font-size:12px;font-weight:600;letter-spacing:.14em;color:var(--brass-text)}
.nav nav{display:flex;gap:22px;flex-wrap:wrap}
.nav nav a{color:var(--ink);text-decoration:none;font-weight:600;font-size:15px}
.nav nav a:hover{color:var(--brass-text)}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:0 22px;border-radius:8px;font-weight:600;font-size:15px;text-decoration:none;border:1px solid transparent;cursor:pointer}
.btn-primary{background:var(--navy);color:#fff}
.btn-primary:hover{background:#0c1d38}
.btn-ghost{border-color:var(--soft);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.08)}
.btn-line{border-color:var(--hair);color:var(--ink);background:var(--raised)}

/* hero */
.hero{background:var(--navy);color:#fff;overflow:hidden;position:relative}
.hero .wrap{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,1fr);gap:48px;align-items:center;padding-top:88px;padding-bottom:88px}
.hero .eyebrow{color:#D4A04A}
.hero h1{margin:16px 0 20px}
.hero .lead{color:var(--soft)}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:32px}
.hero-art{position:relative;aspect-ratio:1/1;max-width:420px;justify-self:end;width:100%}
.hero-art svg{width:100%;height:100%}

/* sections */
section{padding:88px 0}
.sec-head{display:flex;flex-direction:column;gap:12px;margin-bottom:40px;max-width:720px}
.grid4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
.grid3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.card{background:var(--raised);border:1px solid var(--hair);border-radius:8px;padding:28px}
.card .num{font-family:var(--serif);font-size:15px;color:var(--brass-text);font-weight:600;margin-bottom:14px}
.card h3{margin-bottom:10px}
.card p{color:var(--muted);font-size:16px}

/* process */
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
.steps li{border-top:2px solid var(--brass);padding-top:18px}
.steps .k{font-size:12px;font-weight:600;color:var(--muted);letter-spacing:.1em}
.steps h3{font-family:var(--sans);font-size:18px;margin:6px 0 8px}
.steps p{color:var(--muted);font-size:16px}

/* principles band */
.band{background:var(--navy);color:#fff;border-radius:16px;padding:48px;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.3fr);gap:40px}
.band .eyebrow{color:#D4A04A}
.band h2{margin:12px 0 14px}
.band p{color:var(--soft)}
.band ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
.band li strong{display:block;font-size:17px;margin-bottom:4px}
.band li span{color:var(--soft);font-size:15px}
.note{font-size:14px;color:var(--soft);margin-top:18px;opacity:.9}

/* markets */
.markets{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:16px}
.markets .card h3{font-size:20px}
.tags{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}
.tag{font-size:13px;font-weight:600;background:var(--surface);border:1px solid var(--hair);border-radius:999px;padding:5px 12px;color:var(--ink)}

/* about */
.about{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.6fr);gap:48px;align-items:start}
.about .card p+p{margin-top:12px}
.creds{list-style:none;margin:16px 0 0;padding:0;display:grid;gap:8px;color:var(--muted);font-size:16px}
.creds li::before{content:"";display:inline-block;width:8px;height:8px;border-radius:2px;background:var(--brass);margin-right:10px;vertical-align:1px}

/* contact */
.contact{background:var(--raised);border:1px solid var(--hair);border-radius:16px;padding:48px;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:40px;align-items:start}
form{display:grid;gap:14px}
label{font-size:13px;font-weight:600;display:grid;gap:6px}
input,select,textarea{font:inherit;font-size:16px;padding:12px 14px;border:1px solid var(--hair);border-radius:6px;background:var(--surface);color:var(--ink);width:100%}
textarea{min-height:110px;resize:vertical}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:14px;color:var(--muted)}
.check input{width:auto;margin-top:4px}

/* footer */
footer{border-top:1px solid var(--hair);background:var(--raised);padding:40px 0;font-size:13px;color:var(--muted)}
footer .row{display:flex;flex-wrap:wrap;gap:16px 32px;justify-content:space-between;align-items:baseline;margin-bottom:18px}
footer .brand b{font-size:22px}
footer p{max-width:900px;line-height:1.55}
footer p+p{margin-top:10px}

/* legal page */
.legal{max-width:760px;padding:72px 24px}
.legal h1{font-size:40px;margin-bottom:24px}
.legal h2{font-size:22px;margin:28px 0 10px}
.legal p,.legal li{color:var(--muted)}

@media (max-width:960px){
  .hero .wrap{grid-template-columns:1fr;padding-top:64px;padding-bottom:64px}
  .hero-art{justify-self:start;max-width:280px}
  .grid4,.steps{grid-template-columns:repeat(2,minmax(0,1fr))}
  .grid3,.markets,.about,.contact,.band{grid-template-columns:1fr}
  .band,.contact{padding:32px}
}
@media (max-width:560px){
  body{font-size:16px}
  section{padding:64px 0}
  .grid4,.steps,.band ul{grid-template-columns:1fr}
  .nav nav{width:100%;gap:16px;padding-bottom:10px;overflow-x:auto}
  .nav .btn{display:none}
  .hero-art{display:none}
}

/* v2 additions */
.brand{align-items:center}
.brand svg{width:52px;height:26px;flex:none}
.nav nav a[aria-current="page"]{color:var(--brass-text)}
.page-hero{background:var(--navy);color:#fff}
.page-hero .wrap{padding-top:72px;padding-bottom:72px;max-width:1160px}
.page-hero .eyebrow{color:#D4A04A}
.page-hero h1{margin:14px 0 16px;font-size:clamp(32px,4.4vw,52px)}
.page-hero .lead{color:var(--soft)}
.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.1fr);gap:40px;align-items:start}
.form-card{background:var(--raised);border:1px solid var(--hair);border-radius:16px;padding:36px}
.form-card h2{font-size:26px;margin-bottom:6px}
.form-card .sub{color:var(--muted);font-size:15px;margin-bottom:22px}
.row2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
fieldset{border:0;margin:0;padding:0;display:grid;gap:10px}
legend{font-size:13px;font-weight:600;margin-bottom:8px;padding:0}
.checks{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px 16px}
.checks label,.radios label{flex-direction:row;display:flex;gap:8px;align-items:center;font-weight:400;font-size:15px}
.checks input,.radios input{width:auto}
.radios{display:flex;flex-wrap:wrap;gap:8px 20px}
.fine{font-size:13px;color:var(--muted);line-height:1.5}
.list-plain{list-style:none;margin:0;padding:0;display:grid;gap:14px}
.list-plain li{display:grid;grid-template-columns:28px 1fr;gap:10px;align-items:start}
.list-plain .dot{width:28px;height:28px;border-radius:8px;background:var(--surface);border:1px solid var(--hair);display:flex;align-items:center;justify-content:center;font-weight:600;font-size:13px;color:var(--brass-text)}
.cta3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.cta3 .card{display:flex;flex-direction:column;gap:12px}
.cta3 .card .btn{align-self:flex-start;margin-top:auto}
.notice{background:#FBF6EC;border:1px solid #EADFC8;border-radius:8px;padding:16px 18px;font-size:14px;color:#5A4520}
@media (max-width:960px){.split,.cta3{grid-template-columns:1fr}.form-card{padding:26px}}
@media (max-width:560px){.row2,.checks{grid-template-columns:1fr}}
.page-hero{padding:0}