/* ============================================================
   YOUR BUSINESS CONSULTANT, INC. — Flagship Design System
   "The Private-Ledger" — ink, ivory, champagne gold
   Built 2026-08-02 · yourbizconsultant.com
   ============================================================ */

:root{
  --ink:#0b1120;          /* deep midnight ink */
  --ink-2:#111a30;        /* raised ink */
  --ink-3:#1a2542;        /* card ink */
  --ivory:#faf7f2;        /* warm porcelain page */
  --ivory-2:#f3eee5;      /* deeper ivory band */
  --paper:#ffffff;
  --gold:#c3a05e;         /* champagne gold */
  --gold-2:#e2c98c;       /* lit gold */
  --gold-3:#8f7440;       /* engraved gold */
  --sea:#175f56;          /* ledger green (accents only) */
  --text:#1d2434;
  --muted:#5a6377;
  --line:rgba(17,26,48,.12);
  --line-gold:rgba(195,160,94,.38);
  --shadow-lg:0 30px 80px -20px rgba(11,17,32,.35);
  --shadow-sm:0 10px 30px -12px rgba(11,17,32,.18);
  --r:18px;
  --font-d:"Fraunces",Georgia,serif;
  --font-b:"Instrument Sans",-apple-system,"Segoe UI",sans-serif;
  --w:1180px;
}

*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--font-b);color:var(--text);background:var(--ivory);line-height:1.65;font-size:16.5px;overflow-x:clip}
img{max-width:100%;display:block}
a{color:var(--gold-3);text-decoration:none;transition:color .2s}
a:hover{color:var(--ink)}
::selection{background:var(--gold);color:var(--ink)}

/* grain — the money texture */
body::before{content:"";position:fixed;inset:0;pointer-events:none;z-index:2000;opacity:.05;mix-blend-mode:multiply;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='2'/%3E%3C/filter%3E%3Crect width='140' height='140' filter='url(%23n)' opacity='.6'/%3E%3C/svg%3E")}

.wrap{max-width:var(--w);margin:0 auto;padding:0 28px}

/* ---------- top ribbon ---------- */
.ribbon{background:var(--ink);color:#cfd6e6;font-size:13px;letter-spacing:.04em;position:relative;z-index:60}
.ribbon .wrap{display:flex;justify-content:space-between;align-items:center;min-height:38px;gap:16px}
.ribbon a{color:var(--gold-2)}
.ribbon .rb-l{display:flex;gap:18px;align-items:center;white-space:nowrap;overflow:hidden}
.ribbon .rb-r{display:flex;gap:14px;align-items:center;white-space:nowrap}

/* ---------- nav ---------- */
.nav{position:sticky;top:0;z-index:100;background:rgba(250,247,242,.86);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.nav .wrap{display:flex;align-items:center;gap:26px;min-height:78px}
.brand{display:flex;align-items:center;gap:13px;color:var(--ink)}
.brand:hover{color:var(--ink)}
.brand-mark{width:46px;height:46px;flex:0 0 46px}
.brand-name{font-family:var(--font-d);font-weight:600;font-size:19px;letter-spacing:.02em;line-height:1.12;white-space:nowrap}
.brand-img{height:44px;width:auto;display:block}
.brand-img-f{height:42px;width:auto;display:block;margin-top:4px}
.brand-tag{font-size:10.5px;letter-spacing:.34em;text-transform:uppercase;color:var(--gold-3);font-weight:600}
.menu{display:flex;gap:2px;margin-left:auto;align-items:center}
.menu>li{list-style:none;position:relative}
.menu>li>a,.menu>li>button{display:block;padding:10px 13px;font-size:14.5px;font-weight:600;color:var(--ink);background:none;border:0;cursor:pointer;font-family:var(--font-b);letter-spacing:.01em;border-radius:10px;white-space:nowrap}
.menu>li>a:hover,.menu>li>button:hover,.menu>li.open>button{background:rgba(17,26,48,.06)}
.menu .drop{position:absolute;top:calc(100% + 10px);left:50%;transform:translateX(-50%) translateY(8px);background:var(--ink);color:#dfe4f0;border-radius:16px;box-shadow:var(--shadow-lg);padding:18px;min-width:270px;opacity:0;visibility:hidden;transition:all .22s ease;border:1px solid rgba(195,160,94,.25)}
.menu li.open .drop{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.drop .d-title{font-size:11px;letter-spacing:.28em;text-transform:uppercase;color:var(--gold-2);margin:8px 0 6px;padding:0 10px}
.drop a{display:block;padding:7px 10px;border-radius:9px;color:#dfe4f0;font-size:14px}
.drop a:hover{background:rgba(195,160,94,.14);color:#fff}
.drop.cols{display:grid;grid-template-columns:1fr 1fr;gap:0 18px;min-width:560px}
.nav-cta{margin-left:6px;display:inline-flex;align-items:center;gap:9px;background:var(--ink);color:#fff!important;padding:11px 20px;border-radius:999px;font-weight:600;font-size:14.5px;box-shadow:var(--shadow-sm);border:1px solid var(--ink);white-space:nowrap;flex:0 0 auto}
.nav-cta:hover{background:var(--gold);border-color:var(--gold);color:var(--ink)!important}
.nav-portal{background:transparent;color:var(--ink)!important;border:1.5px solid var(--gold-3);box-shadow:none}
.nav-portal:hover{background:var(--ink);border-color:var(--ink);color:#fff!important}
.nav-portal svg{flex:0 0 auto}
.m-cta{display:none}
.burger{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:10px;padding:9px 11px;cursor:pointer}
.burger span{display:block;width:20px;height:2px;background:var(--ink);margin:4px 0;transition:.25s}

/* ---------- hero (interior) ---------- */
.hero{position:relative;background:var(--ink);color:#eef1f8;overflow:hidden}
.hero .wrap{position:relative;z-index:3;padding:84px 28px 76px}
.hero.slim .wrap{padding:64px 28px 56px}
.crumbs{font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;color:#93a0bd;margin-bottom:22px;display:flex;gap:10px;flex-wrap:wrap;align-items:center}
.crumbs a{color:var(--gold-2)}
.crumbs span.sep{color:#3d4a6a}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:12px;font-weight:700;letter-spacing:.3em;text-transform:uppercase;color:var(--gold-2);margin-bottom:18px}
.eyebrow::before{content:"";width:34px;height:1px;background:var(--gold)}
h1{font-family:var(--font-d);font-weight:560;font-size:clamp(34px,4.6vw,58px);line-height:1.07;letter-spacing:-.01em;color:#fff;max-width:19ch}
h1 em{font-style:italic;color:var(--gold-2)}
.hero .lede{margin-top:22px;font-size:clamp(17px,1.6vw,20px);color:#b9c2d8;max-width:62ch;line-height:1.7}
.hero-actions{margin-top:34px;display:flex;gap:14px;flex-wrap:wrap;align-items:center}
.hero-fig{position:absolute;right:-40px;top:0;bottom:0;width:46%;opacity:.9;pointer-events:none}
.hero-fig img{width:100%;height:100%;object-fit:cover;-webkit-mask-image:linear-gradient(90deg,transparent,#000 34%);mask-image:linear-gradient(90deg,transparent,#000 34%)}
.hero::after{content:"";position:absolute;inset:0;background:radial-gradient(900px 400px at 85% -10%,rgba(195,160,94,.16),transparent 60%),radial-gradient(700px 500px at -10% 110%,rgba(23,95,86,.18),transparent 55%);z-index:1}
.hero .ledger{position:absolute;inset:0;z-index:2;opacity:.5}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:10px;padding:15px 28px;border-radius:999px;font-weight:650;font-size:15.5px;letter-spacing:.01em;transition:all .22s;border:1px solid transparent;cursor:pointer;font-family:var(--font-b)}
.btn-gold{background:linear-gradient(135deg,var(--gold-2),var(--gold));color:var(--ink);box-shadow:0 14px 34px -12px rgba(195,160,94,.6)}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 20px 44px -12px rgba(195,160,94,.75);color:var(--ink)}
.btn-ghost{border-color:rgba(255,255,255,.28);color:#fff}
.btn-ghost:hover{border-color:var(--gold-2);color:var(--gold-2)}
.btn-ink{background:var(--ink);color:#fff}
.btn-ink:hover{background:var(--gold);color:var(--ink)}
.btn-line{border-color:var(--line);color:var(--ink)}
.btn-line:hover{border-color:var(--gold-3);color:var(--gold-3)}

/* ---------- sections ---------- */
section.band{padding:86px 0}
section.band.tight{padding:64px 0}
.band-ivory2{background:var(--ivory-2)}
.band-ink{background:var(--ink);color:#dfe4f0}
.band-ink h2,.band-ink h3{color:#fff}
.kicker{display:inline-flex;align-items:center;gap:10px;font-size:12px;font-weight:700;letter-spacing:.3em;text-transform:uppercase;color:var(--gold-3);margin-bottom:14px}
.kicker::before{content:"";width:34px;height:1px;background:var(--gold)}
.band-ink .kicker{color:var(--gold-2)}
h2{font-family:var(--font-d);font-weight:560;font-size:clamp(27px,3.2vw,40px);line-height:1.14;color:var(--ink);letter-spacing:-.01em;max-width:26ch}
h2 em{font-style:italic;color:var(--gold-3)}
.band-ink h2 em{color:var(--gold-2)}
h3{font-family:var(--font-d);font-weight:600;font-size:21px;color:var(--ink);line-height:1.25}
.sub{margin-top:14px;color:var(--muted);max-width:66ch;font-size:17px}
.band-ink .sub{color:#a8b2ca}

/* two-col article layout */
.article{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:56px;align-items:start}
.prose{font-size:17px}
.prose p{margin:0 0 18px;color:#2a3245}
.prose p.lead{font-size:20px;line-height:1.6;color:var(--ink);font-weight:450}
.prose h2{margin:38px 0 14px;font-size:28px}
.prose h3{margin:30px 0 10px}
.prose ul{margin:0 0 20px;padding:0;list-style:none}
.prose ul li{position:relative;padding:9px 0 9px 34px;border-bottom:1px solid var(--line);color:#2a3245}
.prose ul li::before{content:"";position:absolute;left:4px;top:16px;width:14px;height:14px;background:conic-gradient(from 210deg,var(--gold-2),var(--gold-3));clip-path:polygon(50% 0,100% 50%,50% 100%,0 50%)}
.prose ol{margin:0 0 20px 0;padding-left:0;counter-reset:step;list-style:none}
.prose ol li{counter-increment:step;position:relative;padding:10px 0 10px 52px;border-bottom:1px solid var(--line)}
.prose ol li::before{content:counter(step,decimal-leading-zero);position:absolute;left:0;top:10px;font-family:var(--font-d);font-size:19px;color:var(--gold-3);font-weight:600}
.prose blockquote{margin:26px 0;padding:22px 26px;background:var(--paper);border-left:3px solid var(--gold);border-radius:0 14px 14px 0;font-family:var(--font-d);font-size:19px;line-height:1.5;color:var(--ink);box-shadow:var(--shadow-sm)}
.prose .callout{margin:26px 0;padding:24px 26px;border-radius:var(--r);background:var(--ink);color:#dfe4f0;position:relative;overflow:hidden}
.prose .callout::after{content:"";position:absolute;inset:0;background:radial-gradient(400px 160px at 90% 0,rgba(195,160,94,.2),transparent 60%)}
.prose .callout strong{color:var(--gold-2)}
.prose .callout p{color:#dfe4f0;margin:0;position:relative;z-index:1}
.prose a{text-decoration:underline;text-decoration-color:var(--line-gold);text-underline-offset:3px}

/* side rail */
.rail{position:sticky;top:104px;display:grid;gap:22px}
.rail-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:26px;box-shadow:var(--shadow-sm)}
.rail-card.ink{background:var(--ink);color:#dfe4f0;border-color:rgba(195,160,94,.3)}
.rail-card h4{font-family:var(--font-d);font-size:18px;margin-bottom:12px;color:var(--ink)}
.rail-card.ink h4{color:var(--gold-2)}
.rail-card p{font-size:14.5px;color:var(--muted);margin-bottom:14px}
.rail-card.ink p{color:#a8b2ca}
.rail-links{display:grid;gap:2px}
.rail-links a{display:flex;justify-content:space-between;align-items:center;padding:9px 10px;border-radius:9px;font-size:14px;color:var(--ink);font-weight:550}
.rail-links a::after{content:"→";color:var(--gold-3);transition:transform .2s}
.rail-links a:hover{background:var(--ivory-2)}
.rail-links a:hover::after{transform:translateX(4px)}
.rail-links a.on{background:var(--ivory-2);color:var(--gold-3)}
.rail-tel{display:flex;align-items:center;gap:12px;font-family:var(--font-d);font-size:22px;color:#fff;margin:6px 0 4px}
.rail-tel:hover{color:var(--gold-2)}

/* cards grid */
.grid{display:grid;gap:22px;margin-top:44px}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.g2{grid-template-columns:repeat(2,1fr)}
.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:30px;position:relative;transition:transform .25s,box-shadow .25s;box-shadow:0 4px 14px -8px rgba(11,17,32,.1);display:flex;flex-direction:column;gap:12px}
.card:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg)}
.card .c-num{font-family:var(--font-d);font-size:14px;color:var(--gold-3);letter-spacing:.18em}
.card h3 a{color:var(--ink)}
.card h3 a:hover{color:var(--gold-3)}
.card p{font-size:14.8px;color:var(--muted);flex:1}
.card .c-go{font-size:13.5px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-3)}
.card .c-go::after{content:" →"}
.card.ink{background:var(--ink-2);border-color:rgba(195,160,94,.24)}
.card.ink h3,.card.ink h3 a{color:#fff}
.card.ink p{color:#a8b2ca}
.icon{width:46px;height:46px;border-radius:12px;display:grid;place-items:center;background:linear-gradient(140deg,rgba(195,160,94,.16),rgba(195,160,94,.05));border:1px solid var(--line-gold);color:var(--gold-3);font-size:20px}

/* stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:2px;background:var(--line-gold);border:1px solid var(--line-gold);border-radius:var(--r);overflow:hidden;margin-top:48px}
.stat{background:var(--ink);padding:34px 26px;text-align:center}
.stat b{display:block;font-family:var(--font-d);font-weight:560;font-size:clamp(30px,3.4vw,46px);color:var(--gold-2)}
.stat span{font-size:12.5px;letter-spacing:.2em;text-transform:uppercase;color:#93a0bd}

/* CTA band */
.cta-band{position:relative;background:var(--ink);color:#fff;overflow:hidden}
.cta-band .wrap{padding:78px 28px;position:relative;z-index:2;display:grid;grid-template-columns:minmax(0,1fr) auto;gap:36px;align-items:center}
.cta-band h2{color:#fff}
.cta-band p{color:#a8b2ca;margin-top:12px;max-width:56ch}
.cta-band::before{content:"";position:absolute;inset:0;background:radial-gradient(700px 320px at 12% 120%,rgba(23,95,86,.35),transparent 60%),radial-gradient(700px 300px at 90% -20%,rgba(195,160,94,.22),transparent 60%)}
.cta-tel{font-family:var(--font-d);font-size:clamp(24px,2.6vw,34px);color:var(--gold-2);white-space:nowrap}
.cta-tel:hover{color:#fff}
.cta-note{font-size:13px;color:#93a0bd;margin-top:6px;letter-spacing:.06em}

/* ticker */
.ticker{background:var(--gold);color:var(--ink);overflow:hidden;position:relative;z-index:5}
.ticker-track{display:flex;gap:56px;white-space:nowrap;padding:11px 0;animation:tick 46s linear infinite;font-size:13.5px;font-weight:650;letter-spacing:.05em;width:max-content}
.ticker-track span b{font-weight:800}
.ticker:hover .ticker-track{animation-play-state:paused}
@keyframes tick{to{transform:translateX(-50%)}}

/* accordion */
.acc{margin-top:34px;border-top:1px solid var(--line)}
.acc-item{border-bottom:1px solid var(--line)}
.acc-q{width:100%;display:flex;justify-content:space-between;align-items:center;gap:20px;padding:22px 4px;background:none;border:0;cursor:pointer;text-align:left;font-family:var(--font-d);font-size:19px;color:var(--ink)}
.acc-q .pm{flex:0 0 30px;height:30px;border-radius:50%;border:1px solid var(--line-gold);display:grid;place-items:center;color:var(--gold-3);font-size:17px;transition:.25s}
.acc-item.open .pm{background:var(--gold);color:var(--ink);transform:rotate(45deg)}
.acc-a{max-height:0;overflow:hidden;transition:max-height .35s ease}
.acc-a .inner{padding:0 4px 24px;color:var(--muted);max-width:75ch}

/* forms — hardened */
.form{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:34px;box-shadow:var(--shadow-sm)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.field{display:grid;gap:7px}
.field.full{grid-column:1/-1}
.field label{font-size:12.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--ink)}
.field label .req{color:var(--gold-3)}
.field input,.field select,.field textarea{font-family:var(--font-b);font-size:15.5px;padding:13px 15px;border:1px solid var(--line);border-radius:11px;background:var(--ivory);color:var(--ink);transition:border .2s,box-shadow .2s;width:100%}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 4px rgba(195,160,94,.16)}
.field .err{font-size:12.5px;color:#a33f2f;display:none}
.field.bad input,.field.bad textarea{border-color:#a33f2f}
.field.bad .err{display:block}
.hp-field{position:absolute!important;left:-9999px!important;opacity:0!important;height:0!important;overflow:hidden!important}
.form-note{font-size:13px;color:var(--muted);margin-top:14px;display:flex;gap:8px;align-items:flex-start}
.form-ok{display:none;text-align:center;padding:40px 20px}
.form-ok .tick{width:64px;height:64px;margin:0 auto 18px;border-radius:50%;background:linear-gradient(135deg,var(--gold-2),var(--gold));display:grid;place-items:center;font-size:28px;color:var(--ink)}

/* tables */
.tbl{width:100%;border-collapse:collapse;margin-top:30px;background:var(--paper);border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow-sm);font-size:15px}
.tbl th{background:var(--ink);color:var(--gold-2);text-align:left;padding:14px 18px;font-size:12.5px;letter-spacing:.16em;text-transform:uppercase}
.tbl td{padding:14px 18px;border-bottom:1px solid var(--line);vertical-align:top}
.tbl tr:last-child td{border-bottom:0}
.tbl tr:hover td{background:var(--ivory)}
.tbl td:first-child{font-weight:650;color:var(--ink);white-space:nowrap}

/* link tiles (resources) */
.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:38px}
.tile{display:flex;align-items:center;gap:14px;background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:18px 20px;font-weight:600;color:var(--ink);transition:.22s}
.tile:hover{border-color:var(--gold);transform:translateY(-3px);box-shadow:var(--shadow-sm);color:var(--gold-3)}
.tile .t-ic{flex:0 0 38px;height:38px;border-radius:10px;background:linear-gradient(140deg,rgba(195,160,94,.18),rgba(195,160,94,.04));border:1px solid var(--line-gold);display:grid;place-items:center;color:var(--gold-3)}
.tile small{display:block;font-weight:450;color:var(--muted);font-size:12.5px;margin-top:2px}

/* process steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:44px;counter-reset:pstep}
.step{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:30px;position:relative;counter-increment:pstep}
.step::before{content:counter(pstep,decimal-leading-zero);position:absolute;top:-16px;left:24px;background:var(--ink);color:var(--gold-2);font-family:var(--font-d);padding:5px 13px;border-radius:999px;font-size:15px;border:1px solid var(--line-gold)}
.step h3{margin:8px 0 8px}
.step p{font-size:14.5px;color:var(--muted)}

/* reveal on scroll */
.rv{opacity:0;transform:translateY(26px);transition:opacity .7s ease,transform .7s ease}
.rv.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.rv{opacity:1;transform:none;transition:none}.ticker-track{animation:none}}

/* ---------- footer ---------- */
footer{background:var(--ink);color:#93a0bd;position:relative;overflow:hidden}
footer::before{content:"";position:absolute;inset:0;background:radial-gradient(800px 300px at 80% 0,rgba(195,160,94,.08),transparent 60%)}
.f-top{position:relative;z-index:2;display:grid;grid-template-columns:1.2fr .85fr .9fr .85fr 1.35fr;gap:34px;padding:70px 0 50px}
.f-brand .brand-name{color:#fff;font-size:21px}
.f-brand p{font-size:14px;margin:16px 0;max-width:34ch}
.f-col h5{font-size:11.5px;letter-spacing:.28em;text-transform:uppercase;color:var(--gold-2);margin-bottom:16px}
.f-col a{display:block;color:#93a0bd;font-size:14px;padding:4.5px 0}
.f-col a:hover{color:#fff}
.f-nap{font-size:13.5px;line-height:1.95}
.f-nap a{color:var(--gold-2);display:inline;padding:0}
.f-nap .nowrap{white-space:nowrap}
.f-bot{position:relative;z-index:2;border-top:1px solid rgba(255,255,255,.09);padding:22px 0;display:flex;justify-content:space-between;gap:18px;font-size:13px;flex-wrap:wrap}
.f-bot a{color:#93a0bd}
.f-bot a:hover{color:var(--gold-2)}
.f-credit{display:inline-flex;align-items:center;gap:8px;opacity:.7;transition:opacity .2s}
.f-credit:hover{opacity:1}
.f-credit span{font-size:12px;letter-spacing:.08em;color:#93a0bd}
.f-credit img{height:30px;width:auto;display:block}
.socials{display:flex;gap:10px;margin-top:14px}
.socials a{width:38px;height:38px;border-radius:50%;border:1px solid rgba(255,255,255,.18);display:grid;place-items:center;color:#cfd6e6;font-size:15px}
.socials a:hover{background:var(--gold);border-color:var(--gold);color:var(--ink)}

/* mobile */
@media (max-width:1340px){
  .nav .wrap{gap:14px}
  .menu{gap:0}
  .menu>li>a,.menu>li>button{padding:10px 8px;font-size:13.5px}
  .nav-cta{padding:10px 14px;font-size:13.5px;margin-left:2px;gap:7px}
  .brand-name{font-size:17px}
  .brand-mark{width:40px;height:40px;flex:0 0 40px}
  .brand-img{height:38px}
}
@media (max-width:1080px) and (min-width:761px){
  .nav .wrap{gap:10px;padding:0 16px}
  .menu>li>a,.menu>li>button{padding:9px 5px;font-size:12.5px}
  .nav-cta{padding:9px 11px;font-size:12.5px}
  .nav-cta svg{display:none}
  .brand-name{font-size:15.5px}
  .brand{gap:9px}
  .brand-mark{width:34px;height:34px;flex:0 0 34px}
  .brand-img{height:31px}
}
@media (max-width:1080px){
  .drop.cols{min-width:480px}
  .g4{grid-template-columns:repeat(2,1fr)}
  .g3{grid-template-columns:repeat(2,1fr)}
  .stats{grid-template-columns:repeat(2,1fr)}
  .f-top{grid-template-columns:1fr 1fr;gap:34px}
  .article{grid-template-columns:minmax(0,1fr)}
  .rail{position:static}
  .hero-fig{display:none}
}
@media (max-width:760px){
  body{font-size:15.5px}
  .ribbon .rb-l span.hide-m{display:none}
  .menu{display:none;position:absolute;top:100%;left:0;right:0;height:calc(100vh - 78px);height:calc(100dvh - 78px);background:var(--ivory);flex-direction:column;align-items:stretch;padding:20px 24px 60px;overflow:auto;-webkit-overflow-scrolling:touch;gap:0;z-index:99;box-shadow:0 30px 60px -20px rgba(11,17,32,.4)}
  .menu.show{display:flex}
  .menu>li>a,.menu>li>button{padding:15px 8px;font-size:17px;border-bottom:1px solid var(--line);border-radius:0;width:100%;text-align:left;display:flex;justify-content:space-between}
  .menu>li>button::after{content:"+";color:var(--gold-3)}
  .menu>li.open>button::after{content:"–"}
  .menu .drop,.menu .drop.cols{position:static;transform:none;opacity:1;visibility:hidden;display:none;box-shadow:none;border:0;border-radius:0;background:var(--ivory-2);min-width:0!important;padding:10px 8px}
  .menu li.open .drop,.menu li.open .drop.cols{display:block;visibility:visible;transform:none}
  .drop a{color:var(--ink)}
  .drop .d-title{color:var(--gold-3)}
  .nav-cta{display:none}
  .burger{display:block}
  .m-cta{display:grid!important;gap:12px;padding:22px 0 30px;border-bottom:none!important}
  .m-cta a{display:flex;align-items:center;justify-content:center;gap:10px;padding:15px;border-radius:999px;font-weight:650;font-size:16px;border:1.5px solid var(--gold-3);color:var(--ink)}
  .m-cta a.m-cta-gold{background:linear-gradient(135deg,var(--gold-2),var(--gold));border-color:transparent;color:var(--ink)}
  .g2,.g3,.g4,.tiles,.steps,.form-grid{grid-template-columns:1fr!important}
  .tbl{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch}
  .prose{font-size:16px}
  .cta-band .wrap{grid-template-columns:1fr}
  .f-top{grid-template-columns:1fr;padding:52px 0 36px}
  section.band{padding:60px 0}
  .hero .wrap{padding:60px 24px 52px}
  h1{font-size:clamp(30px,8.4vw,38px)}
}