/* C&D Wealth Advisors — site styles. Navy-led, single light theme by design. */
:root{
  --navy:#00284a; --navy-2:#003965; --blue:#2c6aa6; --sky:#a9c4e2; --mist:#eef3f9; --paper:#fbfcfd; --white:#ffffff; --sand:#c9b48a;
  --ink:#18233a; --muted:#56627a; --line:#dde3ec;
  --display:"Libre Caslon Text", Georgia, "Times New Roman", serif;
  --body:"Figtree", system-ui, -apple-system, "Segoe UI", sans-serif;
  --gutter:max(18px, env(safe-area-inset-left, 0px));
  --max:1140px;
  color-scheme:light;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--body);font-size:17px;line-height:1.6}
img{max-width:100%;display:block}
a{color:var(--blue)}
a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid var(--sand);outline-offset:2px}
h1,h2,h3,h4{font-family:var(--display);font-weight:400;line-height:1.15;text-wrap:balance;margin:0;color:var(--navy)}
p{margin:0}
.wrap{max-width:var(--max);margin:0 auto;padding-left:max(18px,env(safe-area-inset-left,0px));padding-right:max(18px,env(safe-area-inset-right,0px))}
.label{font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;font-weight:600;color:var(--blue)}
.skip{position:absolute;left:-999px;top:0;background:var(--white);padding:8px 12px;z-index:99}
.skip:focus{left:8px}

/* buttons */
.btn{display:inline-block;background:var(--blue);color:var(--white);padding:12px 22px;border-radius:3px;font-weight:600;font-size:.92rem;text-decoration:none;border:1px solid transparent;cursor:pointer;font-family:var(--body)}
.btn:hover{background:#245a8e}
.btn.light{background:var(--white);color:var(--navy)}
.btn.light:hover{background:var(--mist)}
.btn.line{background:transparent;border-color:rgba(255,255,255,.5);color:var(--white)}
.btn.line:hover{background:rgba(255,255,255,.08)}
.more{color:var(--blue);font-weight:600;text-decoration:none}
.more:hover{text-decoration:underline}

/* header */
.util{background:var(--navy);color:var(--sky);font-size:.8rem}
.util .wrap{display:flex;flex-wrap:wrap;gap:4px 22px;padding-block:7px}
.util a{color:var(--white);text-decoration:none}
.util .right{margin-left:auto}
.site-head{background:var(--navy-2);color:var(--white);position:sticky;top:0;z-index:20}
.site-head .wrap{display:flex;align-items:center;gap:14px 28px;padding-block:16px}
.brand{display:flex;align-items:center;gap:12px;color:var(--white);text-decoration:none;margin-right:auto}
.brand img{width:44px;height:44px;border:1px solid rgba(255,255,255,.35)}
.brand b{font-family:var(--display);font-weight:400;font-size:1.2rem;display:block;line-height:1.1}
.brand small{display:block;font-size:.66rem;letter-spacing:.14em;text-transform:uppercase;color:var(--sky)}
.nav{display:flex;flex-wrap:wrap;gap:6px 22px;font-size:.9rem}
.nav a{color:#dfe8f4;text-decoration:none;padding-block:4px;border-bottom:1px solid transparent}
.nav a:hover,.nav a[aria-current="page"]{color:var(--white);border-bottom-color:var(--sand)}
.menu-toggle{display:none}
.menu-btn{display:none;color:var(--white);font-size:.85rem;font-weight:600;border:1px solid rgba(255,255,255,.4);padding:8px 12px;border-radius:3px;cursor:pointer}

/* home hero */
.hero{background:linear-gradient(180deg,var(--navy-2) 0%,var(--navy) 100%);color:var(--white)}
.hero .wrap{display:grid;grid-template-columns:1.2fr 1fr;gap:clamp(24px,5vw,64px);align-items:end;padding-top:clamp(36px,6vw,72px)}
.hero .wrap > *{min-width:0}
.hero .copy{padding-bottom:clamp(36px,6vw,72px);display:grid;gap:18px}
.hero .label{color:var(--sand)}
.hero h1{color:var(--white);font-size:clamp(2.1rem,4.6vw,3.4rem);line-height:1.08}
.hero h1 em{font-style:italic;color:var(--sky)}
.hero .lede{font-size:1.08rem;color:#d3deec;max-width:48ch}
.ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:6px}
.portrait{position:relative;aspect-ratio:4/5;max-width:100%}
.portrait img{width:100%;height:100%;object-fit:cover;object-position:50% 15%}
.seal{position:absolute;left:-18px;bottom:28px;background:var(--paper);color:var(--navy);padding:14px 18px;display:grid;gap:2px;box-shadow:0 10px 30px -12px rgba(0,0,0,.5)}
.seal b{font-family:var(--display);font-size:1.6rem;font-weight:400;line-height:1}
.seal span{font-size:.68rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}

.creds{background:var(--white);border-bottom:1px solid var(--line)}
.creds .wrap{display:grid;grid-template-columns:repeat(4,1fr)}
.creds div{padding:20px 18px;border-right:1px solid var(--line);display:grid;gap:2px;min-width:0}
.creds div:first-child{padding-left:0}
.creds div:last-child{border-right:0}
.creds b{font-family:var(--display);font-weight:400;font-size:1.12rem;color:var(--navy)}
.creds span{font-size:.85rem;color:var(--muted)}

/* sections */
.block{padding-block:clamp(44px,7vw,84px)}
.block.tint{background:var(--mist)}
.head{display:grid;gap:10px;max-width:62ch;margin-bottom:32px}
.head h2{font-size:clamp(1.7rem,3.2vw,2.3rem)}
.head p{color:var(--muted)}
.three{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line)}
.three > div{padding:24px 24px 0 0;display:grid;gap:8px;align-content:start;min-width:0}
.three > div + div{padding-left:24px;border-left:1px solid var(--line)}
.three h3{font-size:1.25rem}
.three p{color:var(--muted);font-size:.97rem}
.split{display:grid;grid-template-columns:1fr 1.1fr;gap:clamp(24px,5vw,56px);align-items:center}
.split > *{min-width:0}
.struct{background:var(--white);border:1px solid var(--line);padding:22px;display:grid;gap:14px}
.bar{display:flex;height:64px;border-radius:2px;overflow:hidden}
.bar div{display:flex;align-items:flex-end;padding:8px 10px;font-size:.78rem;font-weight:600;color:var(--white)}
.bar .core{flex:3;background:var(--navy-2)}
.bar .comp{flex:1.2;background:var(--blue)}
.legend{display:grid;grid-template-columns:1fr 1fr;gap:12px;font-size:.9rem;color:var(--muted)}
.legend b{display:block;color:var(--ink);font-weight:600}
.small{font-size:.82rem;color:var(--muted)}
.who{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.who > div{display:grid;gap:10px;align-content:start;min-width:0}
.who img{aspect-ratio:3/2;width:100%;height:auto;object-fit:cover}
.who h3{font-size:1.2rem}
.who p{color:var(--muted);font-size:.95rem}
.credit{margin-top:16px}
.steps{background:var(--navy);color:var(--white)}
.steps .head h2{color:var(--white)}.steps .label{color:var(--sand)}.steps .head p{color:#c6d3e4}
.steps ol{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:28px;counter-reset:s}
.steps li{display:grid;gap:8px;align-content:start;min-width:0;border-top:1px solid rgba(255,255,255,.25);padding-top:16px}
.steps li::before{counter-increment:s;content:counter(s);font-family:var(--display);font-size:2rem;color:var(--sky);line-height:1}
.steps h3{font-size:1.2rem;color:var(--white)}
.steps p{color:#c6d3e4;font-size:.95rem}
.two{display:grid;grid-template-columns:1fr 1fr;gap:clamp(24px,4vw,48px)}
.two > *{min-width:0}
.card{border:1px solid var(--line);background:var(--white);padding:26px;display:grid;gap:12px;align-content:start}
.card h3{font-size:1.4rem}
.card p{color:var(--muted);font-size:.97rem}
.sig{font-family:var(--display);font-style:italic;color:var(--navy)}
table.mini{border-collapse:collapse;width:100%;font-size:.93rem;font-variant-numeric:tabular-nums}
.mini td{padding:9px 0;border-bottom:1px solid var(--line)}
.mini td:last-child{text-align:right;font-weight:600;color:var(--navy)}
.band{background:var(--blue);color:var(--white)}
.band .wrap{display:flex;flex-wrap:wrap;gap:16px 32px;align-items:center;justify-content:space-between;padding-block:40px}
.band h2{color:var(--white);font-size:clamp(1.45rem,2.6vw,2rem);max-width:30ch}

/* interior pages */
.page-hero{background:linear-gradient(180deg,var(--navy-2),var(--navy));color:var(--white)}
.page-hero .wrap{padding-block:clamp(40px,7vw,80px);display:grid;gap:14px;max-width:var(--max)}
.page-hero .label{color:var(--sand)}
.page-hero h1{color:var(--white);font-size:clamp(2rem,4.2vw,3rem);max-width:22ch}
.page-hero p{color:#d3deec;font-size:1.1rem;max-width:58ch}
.prose{max-width:720px;display:grid;gap:18px}
.prose h2{font-size:clamp(1.45rem,2.6vw,1.85rem);margin-top:18px}
.prose h3{font-size:1.25rem;margin-top:8px}
.prose p,.prose li{color:#2c3850}
.prose ul,.prose ol{margin:0;padding-left:22px;display:grid;gap:6px}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:clamp(28px,5vw,64px);align-items:start}
.aside{position:sticky;top:110px;display:grid;gap:14px;background:var(--white);border:1px solid var(--line);padding:22px}
.aside h3{font-size:1.2rem}
.aside p{color:var(--muted);font-size:.93rem}
.tbl{overflow-x:auto;border:1px solid var(--line);background:var(--white)}
.tbl table{border-collapse:collapse;width:100%;min-width:460px;font-size:.95rem;font-variant-numeric:tabular-nums}
.tbl th,.tbl td{text-align:left;padding:11px 16px;border-bottom:1px solid var(--line);vertical-align:top}
.tbl tr:last-child td{border-bottom:0}
.tbl thead th{background:var(--mist);font-size:.74rem;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);font-weight:600}
.tbl td.num,.tbl th.num{text-align:right}
.note-box{background:var(--mist);border-left:3px solid var(--blue);padding:14px 18px;font-size:.95rem}
.disclosure{font-size:.85rem;color:var(--muted);border-top:1px solid var(--line);padding-top:16px}
.numbered{counter-reset:n;display:grid;gap:22px}
.numbered > section{display:grid;grid-template-columns:44px 1fr;gap:4px 16px}
.numbered > section::before{counter-increment:n;content:counter(n);font-family:var(--display);font-size:1.8rem;color:var(--blue);line-height:1;grid-row:span 3}
.numbered > section > *{grid-column:2}
.soon{background:var(--mist);border:1px dashed var(--blue);padding:22px;color:var(--muted)}

/* contact form */
form.contact{display:grid;gap:16px;background:var(--white);border:1px solid var(--line);padding:24px}
.field{display:grid;gap:6px}
.field label{font-weight:600;font-size:.9rem}
.field input,.field textarea,.field select{font:inherit;padding:11px 12px;border:1px solid #c5cedb;border-radius:3px;background:var(--white);color:var(--ink)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form-msg{font-weight:600;color:var(--navy)}

/* footer */
.site-foot{background:var(--navy);color:#c6d3e4;font-size:.88rem}
.site-foot .wrap{padding-block:44px 28px;display:grid;gap:28px}
.cols{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:24px}
.cols > div{display:grid;gap:6px;align-content:start;min-width:0}
.cols h4{font-family:var(--body);font-size:.7rem;letter-spacing:.14em;text-transform:uppercase;color:var(--sand);font-weight:600;margin-bottom:4px}
.cols a{color:#dfe8f4;text-decoration:none}
.cols a:hover{text-decoration:underline}
.fine{border-top:1px solid rgba(255,255,255,.15);padding-top:18px;opacity:.85;max-width:95ch;font-size:.8rem}
.mobile-bar{display:none}

@media (max-width:860px){
  .hero .wrap,.split,.two,.layout{grid-template-columns:1fr}
  .three,.who,.steps ol{grid-template-columns:1fr}
  .three > div + div{padding-left:0;border-left:0}
  .creds .wrap{grid-template-columns:1fr 1fr}
  .creds div{padding-left:0}
  .creds div:nth-child(2){border-right:0}
  .creds div:nth-child(-n+2){border-bottom:1px solid var(--line)}
  .creds div:nth-child(odd){padding-right:12px}
  .creds div:nth-child(even){padding-left:12px}
  .cols{grid-template-columns:1fr 1fr}
  .portrait{max-width:420px}
  .seal{left:12px}
  .aside{position:static}
  .row2{grid-template-columns:1fr}
  .menu-btn{display:inline-block}
  .site-head .btn{display:none}
  .nav{display:none;width:100%;flex-direction:column;gap:2px;padding-top:8px}
  .menu-toggle:checked ~ .nav{display:flex}
  .nav a{padding:10px 0;border-bottom:1px solid rgba(255,255,255,.1)}
  .util .right{margin-left:0}
  .mobile-bar{display:grid;grid-template-columns:1fr 1fr;position:fixed;left:0;right:0;bottom:0;z-index:30;background:var(--navy);padding:10px max(12px,env(safe-area-inset-left,0px)) calc(10px + env(safe-area-inset-bottom,0px));gap:10px}
  .mobile-bar .btn{text-align:center}
  body{padding-bottom:72px}
}
@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto}}

.nitrogen-embed{min-height:48px;margin:6px 0 10px;background:var(--mist);border-radius:6px}
.nitrogen-embed:has(*:not(script):not(noscript)){background:none}
.video{margin:0 0 28px}.video video{width:100%;height:auto;display:block;border-radius:8px;background:#000}.video figcaption{margin-top:8px}
.photo-inline{margin:20px 0 8px}.photo-inline img{width:100%;height:auto;display:block;border-radius:8px}.photo-inline figcaption{margin-top:8px}
.post-list{display:grid;gap:22px;max-width:780px}
.post-card{border:1px solid var(--line, #d9e1ec);border-left:4px solid var(--blue);padding:22px 24px;display:grid;gap:8px;background:#fff}
.post-card h2{font-size:clamp(1.3rem,2.4vw,1.6rem)}
.post-card h2 a{color:inherit;text-decoration:none}
.post-card p{color:var(--muted)}
.post-card .more{font-weight:600}
.page-hero .label a{color:inherit}