/* Affinity Member Services: cocoa, harbor blue and apricot on blush.
   Hand-authored; edit freely. One self-hosted family (Figtree) carries
   display and prose. Deliberately light from top to bottom: no dark hero
   band, unlike most siblings. The one bold device is the pair of
   overlapping circles (logo, hero art, closing band): your business, your
   advisor, and the plan where they meet. Keep everything else quiet. */

@font-face {
  font-family: 'Figtree';
  font-style: normal;
  font-weight: 300 900;
  font-display: swap;
  src: url('fonts/figtree-var.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA,
    U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193,
    U+2212, U+2215, U+FEFF, U+FFFD;
}

/* ── Tokens ────────────────────────────────────────────────────────── */
:root {
  --cocoa: #33241f;
  --cocoa-2: #4a3730;
  --body: #5b4a43;
  --mute: #8a7870;

  --blue: #2f5f9e;
  --blue-deep: #244b7f;
  --blue-soft: #e6eef8;

  --apricot: #f2b48a;
  --apricot-soft: #fbe3d2;

  --blush: #fbf3ee;
  --blush-2: #f5e7de;
  --white: #ffffff;
  --line: #ead8cd;
  --line-strong: #d8c0b2;

  --sans: 'Figtree', system-ui, -apple-system, 'Segoe UI', Helvetica, Arial, sans-serif;

  --r-sm: 8px;
  --r: 14px;
  --r-lg: 28px;
  --r-pill: 999px;

  --leading: 28px;
  --half: 14px;
  --gap: 24px;
  --sect: clamp(64px, 8vw, 112px);
  --edge: clamp(20px, 4.5vw, 64px);
  --max: 1140px;
}

/* ── Base ──────────────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body {
  margin: 0;
  background: var(--blush);
  color: var(--body);
  font-family: var(--sans);
  font-size: 17px;
  line-height: var(--leading);
  text-wrap: pretty;
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; }
a { color: var(--blue); text-underline-offset: 3px; }
a:hover { color: var(--blue-deep); }
a:focus-visible, button:focus-visible { outline: 2px solid var(--blue); outline-offset: 3px; border-radius: 4px; }
h1, h2, h3 { color: var(--cocoa); margin: 0; text-wrap: balance; }
p { margin: 0 0 var(--half); }

.wrap { max-width: var(--max); margin: 0 auto; padding: 0 var(--edge); }

/* ── Nav ───────────────────────────────────────────────────────────── */
.nav {
  display: flex;
  align-items: center;
  gap: 28px;
  flex-wrap: wrap;
  max-width: var(--max);
  margin: 0 auto;
  padding: 20px var(--edge);
  font-size: 15.5px;
  font-weight: 500;
}
.nav a { color: var(--cocoa); text-decoration: none; }
.nav a:hover { color: var(--blue); }
.nav-brand {
  display: flex;
  align-items: center;
  gap: 11px;
  margin-right: auto;
  font-size: 18px;
  font-weight: 700;
  letter-spacing: -0.01em;
}
.nav-brand:hover { color: var(--cocoa); }

/* ── Buttons ───────────────────────────────────────────────────────── */
.btn {
  display: inline-block;
  font-family: var(--sans);
  font-size: 16px;
  font-weight: 600;
  line-height: 1;
  padding: 15px 24px;
  border: 1.5px solid var(--blue);
  border-radius: var(--r-pill);
  text-decoration: none;
  cursor: pointer;
  transition: background-color .15s ease, color .15s ease, border-color .15s ease;
}
/* `.nav a` (0,1,1) outranks `.btn-primary` (0,1,0): restate nav colours. */
.btn-primary,
.nav a.btn-primary { background: var(--blue); color: var(--white); }
.btn-primary:hover,
.nav a.btn-primary:hover { background: var(--blue-deep); border-color: var(--blue-deep); color: var(--white); }
.nav a.btn-primary { padding: 12px 20px; font-size: 15px; }
.btn-quiet { background: transparent; color: var(--cocoa); border-color: var(--line-strong); }
.btn-quiet:hover { border-color: var(--cocoa); color: var(--cocoa); }
.row { display: flex; flex-wrap: wrap; gap: 14px 22px; align-items: center; margin-top: 32px; }
.phone-link { font-weight: 600; color: var(--cocoa); text-decoration: none; border-bottom: 1.5px solid var(--apricot); padding-bottom: 1px; }
.phone-link:hover { color: var(--blue); }

/* ── Hero ──────────────────────────────────────────────────────────── */
.hero { padding: clamp(32px, 5vw, 64px) 0 var(--sect); }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.95fr); gap: clamp(32px, 5vw, 72px); align-items: center; }
.hero-place { font-size: 15px; font-weight: 600; color: var(--mute); margin: 0 0 18px; }
.display {
  font-size: clamp(40px, 5.6vw, 70px);
  line-height: 1.03;
  letter-spacing: -0.035em;
  font-weight: 750;
  margin: 0 0 24px;
  max-width: 13ch;
}
.lede { font-size: 19px; line-height: 31px; max-width: 50ch; color: var(--body); }
.hero-art { margin: 0; }
.hero-art img { display: block; width: 100%; height: auto; }

/* ── Section scaffolding ───────────────────────────────────────────── */
.section { padding: var(--sect) 0 0; }
.section-head {
  font-size: clamp(30px, 3.6vw, 44px);
  line-height: 1.1;
  letter-spacing: -0.028em;
  font-weight: 700;
  max-width: 20ch;
  margin: 0 0 18px;
}
.section-sub { font-size: 18px; line-height: 30px; max-width: 58ch; }

/* ── Who we work with ──────────────────────────────────────────────── */
.who {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  gap: var(--gap) var(--sect);
  padding: 40px 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.who h2 { font-size: 22px; line-height: 30px; font-weight: 650; letter-spacing: -0.01em; }
.who p { margin: 0; }

/* ── Services: one white sheet, three rows ─────────────────────────── */
.sheet {
  background: var(--white);
  border-radius: var(--r-lg);
  padding: clamp(8px, 2vw, 16px) clamp(24px, 4vw, 56px);
  margin-top: 40px;
}
.service {
  display: grid;
  grid-template-columns: minmax(0, 0.85fr) minmax(0, 1.15fr);
  gap: 12px var(--sect);
  padding: 36px 0;
}
.service + .service { border-top: 1px solid var(--line); }
.service-title { font-size: 25px; line-height: 32px; font-weight: 700; letter-spacing: -0.02em; }
.service-for { margin: 8px 0 0; font-size: 15.5px; line-height: 24px; color: var(--mute); }
.service-copy { margin: 0 0 14px; }
.service-list { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 8px; }
.service-list li { font-size: 14.5px; line-height: 20px; font-weight: 500; color: var(--cocoa-2); background: var(--blush); border-radius: var(--r-pill); padding: 6px 13px; }

/* ── How we work: a real sequence, so it is numbered ───────────────── */
.steps { list-style: none; counter-reset: step; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--gap); margin: 40px 0 0; padding: 0; }
.step { counter-increment: step; position: relative; padding-top: 64px; }
.step::before {
  content: counter(step);
  position: absolute;
  top: 0;
  left: 0;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--apricot-soft);
  color: var(--cocoa);
  font-weight: 700;
  font-size: 18px;
  line-height: 44px;
  text-align: center;
}
.step + .step::after {
  content: "";
  position: absolute;
  top: 22px;
  right: calc(100% - 12px);
  width: calc(var(--gap) + 100% - 56px - 12px);
  border-top: 1.5px dashed var(--line-strong);
}
.step-title { font-size: 21px; line-height: 28px; font-weight: 700; letter-spacing: -0.015em; margin: 0 0 8px; }
.step p { margin: 0; font-size: 16.5px; line-height: 27px; }

/* ── About ─────────────────────────────────────────────────────────── */
.about { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr); gap: var(--sect); align-items: start; }
.about p { max-width: 60ch; }
.promises { list-style: none; margin: 0; padding: 28px 32px; background: var(--blush-2); border-radius: var(--r); }
.promises li { position: relative; padding-left: 30px; margin: 0 0 14px; font-weight: 500; color: var(--cocoa); }
.promises li:last-child { margin-bottom: 0; }
.promises li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 7px;
  width: 18px;
  height: 12px;
  background:
    radial-gradient(circle at 6px 6px, var(--blue) 5.2px, transparent 5.8px),
    radial-gradient(circle at 12px 6px, var(--apricot) 5.2px, transparent 5.8px);
}

/* ── Closing band ──────────────────────────────────────────────────── */
.close { padding: var(--sect) 0 0; }
.close-card {
  position: relative;
  overflow: hidden;
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: 36px clamp(32px, 5vw, 72px);
  background: var(--blue);
  color: #e6edf7;
  border-radius: var(--r-lg);
  padding: clamp(36px, 5vw, 64px);
}
.close-card::after {
  content: "";
  position: absolute;
  right: -90px;
  bottom: -120px;
  width: 340px;
  height: 340px;
  border-radius: 50%;
  border: 46px solid rgba(242, 180, 138, .22);
  pointer-events: none;
}
.close-card h2 { color: var(--white); font-size: clamp(30px, 3.4vw, 42px); line-height: 1.1; letter-spacing: -0.028em; font-weight: 700; margin: 0 0 16px; }
.close-card p { max-width: 46ch; }
.close-card .btn-primary { background: var(--white); color: var(--blue); border-color: var(--white); }
.close-card .btn-primary:hover { background: var(--apricot-soft); border-color: var(--apricot-soft); color: var(--blue-deep); }
.close-card a { color: var(--white); }
.contact-list { position: relative; z-index: 1; margin: 0; display: grid; gap: 18px; align-content: start; }
.contact-list dt { font-size: 14px; font-weight: 600; color: #b9cbe4; }
.contact-list dd { margin: 2px 0 0; color: var(--white); overflow-wrap: anywhere; }

/* ── Footer ────────────────────────────────────────────────────────── */
.site-footer {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 10px 24px;
  max-width: var(--max);
  margin: 0 auto;
  padding: 40px var(--edge) 48px;
  font-size: 14px;
  line-height: 22px;
  color: var(--mute);
}
.site-footer a { color: var(--cocoa-2); }
.wrap > .site-footer { padding-left: 0; padding-right: 0; }

/* ── Legal pages ───────────────────────────────────────────────────── */
.legal { max-width: 760px; margin: 0 auto; padding: 32px var(--edge) 0; }
.legal main { background: var(--white); border-radius: var(--r-lg); padding: clamp(28px, 5vw, 56px); }
.legal h1 { font-size: clamp(34px, 4.4vw, 46px); line-height: 1.08; letter-spacing: -0.03em; font-weight: 700; margin: 0 0 8px; }
.legal .updated { color: var(--mute); font-size: 15px; margin: 0 0 28px; }
.legal h2 { font-size: 21px; line-height: 28px; font-weight: 700; letter-spacing: -0.01em; margin: 32px 0 10px; }
.legal p, .legal li { font-size: 16.5px; line-height: 28px; }
.legal ul { margin: 0 0 var(--half); padding-left: 22px; }
.legal .site-footer { padding-left: 0; padding-right: 0; }

/* ── Apply form ────────────────────────────────────────────────────── */
.apply-grid { display: grid; grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr); gap: clamp(32px, 6vw, 80px); align-items: start; padding: 32px 0 0; }
.apply-grid h1 { font-size: clamp(34px, 4.2vw, 50px); line-height: 1.06; letter-spacing: -0.032em; font-weight: 750; margin: 0 0 20px; }
.assure { list-style: none; margin: 28px 0 0; padding: 0; }
.assure li { position: relative; padding-left: 28px; margin-bottom: 10px; font-size: 16px; line-height: 26px; }
.assure li::before { content: ""; position: absolute; left: 0; top: 8px; width: 11px; height: 11px; border-radius: 50%; background: var(--apricot); box-shadow: 5px 0 0 var(--blue); }
.apply-contact { margin-top: 28px; font-size: 16px; line-height: 26px; }

.form-card { background: var(--white); border-radius: var(--r-lg); padding: clamp(24px, 4vw, 44px); }
form { display: grid; gap: 22px; }
.grid2 { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.field { display: grid; gap: 7px; }
.field label, fieldset legend { font-size: 15px; font-weight: 600; color: var(--cocoa); }
.req { color: var(--blue); }
.input {
  font-family: var(--sans);
  font-size: 16.5px;
  line-height: 24px;
  color: var(--cocoa);
  background: var(--blush);
  border: 1.5px solid transparent;
  border-radius: var(--r-sm);
  padding: 11px 14px;
  width: 100%;
}
.input:hover { border-color: var(--line-strong); }
.input:focus { outline: none; border-color: var(--blue); background: var(--white); }
textarea.input { min-height: 120px; resize: vertical; }

fieldset { border: 0; margin: 0; padding: 0; }
fieldset legend { margin-bottom: 10px; padding: 0; }
.radio-row { display: flex; flex-wrap: wrap; gap: 8px; }
.radio { display: inline-flex; align-items: center; gap: 9px; font-size: 15px; cursor: pointer; border: 1.5px solid var(--line); border-radius: var(--r-pill); padding: 8px 15px; background: var(--white); }
.radio:hover { border-color: var(--line-strong); }
.radio:has(input:checked) { border-color: var(--blue); background: var(--blue-soft); }
.radio input { appearance: none; width: 15px; height: 15px; margin: 0; border: 1.5px solid var(--cocoa-2); border-radius: 50%; background: var(--white); cursor: pointer; flex: none; }
.radio input:checked { background: var(--blue); border-color: var(--blue); box-shadow: inset 0 0 0 3px var(--white); }
.radio input:focus-visible { outline: 2px solid var(--blue); outline-offset: 2px; }

.consent { display: grid; grid-template-columns: 18px 1fr; gap: 12px; font-size: 13.5px; line-height: 21px; color: var(--body); background: var(--blush); border-radius: var(--r-sm); padding: 16px; }
.consent input { appearance: none; width: 18px; height: 18px; margin: 2px 0 0; border: 1.5px solid var(--cocoa-2); border-radius: 5px; background: var(--white); cursor: pointer; }
.consent input:checked { background: var(--blue) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M3.5 8.5l3 3 6-7' fill='none' stroke='%23fff' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center / 14px no-repeat; border-color: var(--blue); }
.consent input:focus-visible { outline: 2px solid var(--blue); outline-offset: 2px; }
.fineprint { font-size: 14px; line-height: 21px; color: var(--mute); margin: 0; }
.sent { display: none; background: var(--blue-soft); border-radius: var(--r-sm); padding: 14px 18px; font-size: 15.5px; line-height: 25px; color: var(--cocoa); }

/* ── Responsive ────────────────────────────────────────────────────── */
@media (max-width: 900px) {
  .hero-grid, .who, .service, .about, .close-card, .apply-grid { grid-template-columns: 1fr; }
  .hero-art { max-width: 460px; }
  .steps { grid-template-columns: 1fr; gap: 32px; }
  .step + .step::after { display: none; }
}
@media (max-width: 560px) {
  body { font-size: 16.5px; }
  .grid2 { grid-template-columns: 1fr; }
  .nav { gap: 14px 18px; font-size: 15px; }
  .nav-brand { width: 100%; margin-right: 0; }
  .nav a.btn-primary { margin-left: auto; }
  .lede { font-size: 18px; line-height: 29px; }
}