/* Fairpoint Wealth — boutique fiduciary design */
:root {
  --navy: #0b1f36;
  --navy-2: #14304f;
  --ink: #152033;
  --muted: #5b6573;
  --cream: #f6f1e8;
  --paper: #fffcf7;
  --gold: #b8923a;
  --gold-2: #d4b36a;
  --line: #e4d9c7;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(11, 31, 54, 0.08);
  --max: 1120px;
  --serif: "Source Serif 4", Georgia, "Times New Roman", serif;
  --sans: "Manrope", system-ui, -apple-system, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--sans);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--navy-2); text-decoration: none; }
a:hover { color: var(--gold); }
h1, h2, h3, h4 { font-family: var(--serif); font-weight: 600; line-height: 1.2; color: var(--navy); }
h1 { font-size: clamp(2rem, 4.4vw, 3.15rem); margin-bottom: .85rem; }
h2 { font-size: clamp(1.55rem, 3vw, 2.2rem); margin-bottom: .75rem; }
h3 { font-size: 1.22rem; margin-bottom: .45rem; }
p { margin-bottom: 1rem; }
.container { width: min(100% - 2rem, var(--max)); margin-inline: auto; }

.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,252,247,.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; padding: .85rem 0; gap: 1rem; }
.logo { font-family: var(--serif); font-size: 1.35rem; color: var(--navy); font-weight: 600; }
.logo em { font-style: italic; color: var(--gold); }
.nav { display: flex; align-items: center; gap: 1.4rem; }
.nav a { color: var(--navy); font-weight: 600; font-size: .92rem; }
.mobile-toggle { display: none; background: none; border: 0; font-size: 1.5rem; color: var(--navy); }

.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: .85rem 1.35rem; border-radius: 999px; font-weight: 700;
  font-size: .95rem; border: 0; cursor: pointer; text-decoration: none; transition: .15s ease;
}
.btn-primary { background: var(--gold); color: var(--navy) !important; }
.btn-primary:hover { background: var(--gold-2); color: var(--navy) !important; }
.btn-ghost { background: transparent; color: var(--navy) !important; border: 1.5px solid var(--navy); }
.btn-ghost:hover { background: var(--navy); color: white !important; }
.btn-light { background: white; color: var(--navy) !important; }
.btn-lg { padding: 1rem 1.6rem; font-size: 1.02rem; }

.hero {
  background:
    radial-gradient(900px 420px at 80% -10%, rgba(184,146,58,.22), transparent 55%),
    linear-gradient(165deg, var(--navy) 0%, var(--navy-2) 58%, #1c4468 100%);
  color: #f4efe6;
  padding: 4.2rem 0 4.6rem;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: "";
  position: absolute; inset: auto 0 0 0; height: 42px;
  background: linear-gradient(to top, var(--paper), transparent);
}
.hero-grid { display: grid; gap: 2.2rem; }
@media (min-width: 880px) {
  .hero-grid { grid-template-columns: 1.35fr .85fr; align-items: center; }
}
.kicker {
  display: inline-block; letter-spacing: .12em; text-transform: uppercase;
  font-size: .74rem; font-weight: 700; color: var(--gold-2); margin-bottom: .7rem;
}
.hero h1 { color: white; }
.hero .lede { font-size: 1.12rem; color: rgba(255,255,255,.86); max-width: 38rem; margin-bottom: 1.5rem; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: .75rem; }
.proof-row { display: flex; flex-wrap: wrap; gap: .55rem; margin-top: 1.6rem; }
.chip {
  border: 1px solid rgba(255,255,255,.18);
  background: rgba(255,255,255,.08);
  padding: .35rem .75rem; border-radius: 999px; font-size: .8rem;
}
.hero-card {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.14);
  border-radius: 18px; padding: 1.4rem;
}
.hero-card h3 { color: white; font-size: 1.05rem; }
.hero-card p, .hero-card li { color: rgba(255,255,255,.82); font-size: .95rem; }
.hero-card ul { padding-left: 1.1rem; margin: 0; }

section { padding: 4rem 0; }
.section-cream { background: var(--cream); }
.center { text-align: center; }
.lead { color: var(--muted); max-width: 40rem; margin: 0 auto 2rem; }

.cards { display: grid; gap: 1.15rem; }
@media (min-width: 800px) { .cards { grid-template-columns: repeat(3, 1fr); } }
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.5rem 1.4rem;
  box-shadow: var(--shadow);
}
.icon {
  width: 46px; height: 46px; border-radius: 12px;
  display: grid; place-items: center;
  background: #efe4cd; color: var(--navy); font-weight: 800; margin-bottom: .85rem;
}

.two-col { display: grid; gap: 1.6rem; }
@media (min-width: 820px) { .two-col { grid-template-columns: 1.2fr .8fr; align-items: start; } }

.quote { background: var(--navy); color: #f4efe6; border-radius: var(--radius); padding: 1.6rem; }
.quote p { font-family: var(--serif); font-size: 1.18rem; color: white; }
.quote span { color: var(--gold-2); font-size: .85rem; font-weight: 700; }

.steps { display: grid; gap: 1rem; }
.step {
  display: grid; grid-template-columns: auto 1fr; gap: 1rem;
  background: white; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.2rem 1.25rem;
}
.num {
  width: 38px; height: 38px; border-radius: 50%;
  background: var(--navy); color: var(--gold-2);
  display: grid; place-items: center; font-weight: 800;
}

.faq { max-width: 46rem; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--line); padding: 1.15rem 0; }
.faq-item p { color: var(--muted); margin: 0; }

.cta-band {
  background: linear-gradient(160deg, var(--navy), var(--navy-2));
  color: white; text-align: center; padding: 4rem 0;
}
.cta-band h2 { color: white; }
.cta-band p { color: rgba(255,255,255,.84); max-width: 34rem; margin: 0 auto 1.4rem; }

.site-footer { background: #091624; color: #c9c3b6; padding: 2.6rem 0 1.4rem; font-size: .9rem; }
.footer-grid { display: grid; gap: 1.6rem; margin-bottom: 1.6rem; }
@media (min-width: 800px) { .footer-grid { grid-template-columns: 2fr 1fr 1fr; } }
.footer-brand { font-family: var(--serif); color: white; font-size: 1.2rem; margin-bottom: .4rem; }
.footer-col h4 { color: white; font-family: var(--sans); font-size: .82rem; letter-spacing: .06em; text-transform: uppercase; }
.footer-col a { display: block; color: #c9c3b6; margin: .35rem 0; }
.footer-bottom { border-top: 1px solid #243246; padding-top: 1.1rem; font-size: .78rem; color: #9aa3ad; }
.disclaimer { max-width: 52rem; margin-top: .7rem; line-height: 1.5; }

table { width: 100%; border-collapse: collapse; margin: 1rem 0 1.4rem; }
th, td { text-align: left; padding: .8rem .7rem; border-bottom: 1px solid var(--line); }
th { background: var(--cream); }

.photo-slot {
  width: 100%; aspect-ratio: 4/5; max-width: 320px;
  border-radius: 18px; overflow: hidden;
  background: linear-gradient(180deg, #1a3a5c, #0b1f36);
  color: white; display: grid; place-items: end start; padding: 1rem;
  font-size: .85rem;
}
.credentials { background: white; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.3rem; }
.credentials ul { list-style: none; }
.credentials li { padding: .45rem 0; border-bottom: 1px solid var(--line); }
.credentials li:last-child { border: 0; }

.sticky-cta {
  display: none;
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 40;
  background: var(--navy); padding: .7rem .9rem;
}
.sticky-cta a { width: 100%; }

@media (max-width: 768px) {
  .nav { display: none; position: absolute; top: 100%; left: 0; right: 0; background: var(--paper); flex-direction: column; padding: 1rem; border-bottom: 1px solid var(--line); gap: .8rem; }
  .nav.open { display: flex; }
  .mobile-toggle { display: block; }
  .sticky-cta { display: block; }
  body { padding-bottom: 4.4rem; }
  section { padding: 3.1rem 0; }
}

.logo-img { height: 42px; width: auto; display: block; }
.hero {
  background:
    linear-gradient(180deg, rgba(8,20,34,.58), rgba(8,20,34,.42)),
    url("../assets/hero-couple.jpg") center 35% / cover no-repeat;
}
.hero-photo {
  width: 100%;
  max-width: 360px;
  aspect-ratio: 4/5;
  object-fit: cover;
  border-radius: 18px;
  box-shadow: var(--shadow);
}
.about-grid { display: grid; gap: 2rem; align-items: start; }
@media (min-width: 800px) { .about-grid { grid-template-columns: 280px 1fr; } }
.portrait {
  width: 100%;
  border-radius: 16px;
  object-fit: cover;
  aspect-ratio: 3/4;
  box-shadow: var(--shadow);
}

.hero-about {
  background:
    linear-gradient(180deg, rgba(8,20,34,.45), rgba(8,20,34,.35)),
    url("../assets/matt-portrait.jpg") center 28% / cover no-repeat;
  min-height: 280px;
}