/* ============================================================
   JF WEALTH STRATEGIES & INSURANCE SOLUTIONS — DESIGN SYSTEM
   Shared across all pages. Edit tokens here to re-skin the site.
   ============================================================ */
:root{
  --navy:#0b1a2b;
  --navy-2:#10243a;
  --navy-3:#16314c;
  --gold:#c79a45;
  --gold-2:#a87f2f;
  --gold-soft:#e7c878;
  --cream:#f6f3ec;
  --paper:#ffffff;
  --ink:#15212e;
  --muted:#5d6b7a;
  --line:#d8dde4;
  --line-soft:#e8ebef;
  --ok:#1f7a4d;
  --err:#c0392b;
  --radius:16px;
  --shadow:0 18px 50px -22px rgba(11,26,43,.45);
  --shadow-sm:0 8px 24px -14px rgba(11,26,43,.35);
  --maxw:1140px;
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0; background:var(--cream); color:var(--ink);
  font-family:"Hanken Grotesk",-apple-system,BlinkMacSystemFont,sans-serif;
  font-size:16.5px; line-height:1.6; -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4,h5{font-family:"Fraunces",Georgia,serif; font-weight:600; line-height:1.1; margin:0; letter-spacing:-.012em;}
p{margin:0 0 1em;}
a{color:inherit; text-decoration:none;}
img{max-width:100%; display:block;}
.wrap{max-width:var(--maxw); margin:0 auto; padding:0 24px;}
.section{padding:84px 0;}
.section-sm{padding:56px 0;}
@media(max-width:700px){ .section{padding:58px 0;} body{font-size:16px;} }

.eyebrow{
  display:inline-flex; align-items:center; gap:10px; font-size:12px; letter-spacing:.2em;
  text-transform:uppercase; color:var(--gold-2); font-weight:800; margin-bottom:16px;
}
.eyebrow:before{content:""; width:28px; height:1.5px; background:var(--gold);}
.eyebrow.light{color:var(--gold-soft);}
.eyebrow.center{justify-content:center;}

.lead{font-size:clamp(16.5px,2vw,19px); color:var(--muted); max-width:62ch;}
.section-head{max-width:680px; margin-bottom:46px;}
.section-head.center{margin-left:auto; margin-right:auto; text-align:center;}
.section-head h2{font-size:clamp(28px,4.4vw,42px);}
.section-head p{margin-top:16px;}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex; align-items:center; gap:9px; font-family:inherit; font-weight:700;
  font-size:15.5px; border-radius:11px; cursor:pointer; padding:13px 24px; border:1.5px solid transparent;
  transition:.18s ease; letter-spacing:.01em; white-space:nowrap;
}
.btn-gold{background:linear-gradient(145deg,var(--gold),var(--gold-2)); color:#fff; box-shadow:0 14px 30px -14px rgba(199,154,69,.75);}
.btn-gold:hover{filter:brightness(1.06); transform:translateY(-2px);}
.btn-ghost{background:transparent; border-color:var(--line); color:var(--ink);}
.btn-ghost:hover{border-color:var(--gold); color:var(--navy);}
.btn-light{background:#fff; color:var(--navy);}
.btn-light:hover{transform:translateY(-2px); box-shadow:var(--shadow-sm);}
.btn-outline-light{background:transparent; border-color:rgba(255,255,255,.4); color:#fff;}
.btn-outline-light:hover{border-color:var(--gold-soft); background:rgba(255,255,255,.06);}
.btn-lg{padding:16px 32px; font-size:17px;}
.arrow{transition:.2s;}
.btn:hover .arrow{transform:translateX(3px);}

/* ---------- header / nav ---------- */
.site-header{position:sticky; top:0; z-index:60; background:rgba(11,26,43,.96); backdrop-filter:blur(8px); border-bottom:1px solid rgba(255,255,255,.08);}
.nav{display:flex; align-items:center; justify-content:space-between; height:72px;}
.brand{display:flex; align-items:center; gap:13px;}
.logo-full{height:38px; width:auto; display:block;}
.logo-mark{height:40px; width:auto; display:none;}
@media(max-width:640px){ .logo-full{display:none;} .logo-mark{display:block;} }
.foot-logo{height:30px; width:auto; max-width:100%; margin-bottom:4px;}
.nav-links{display:flex; align-items:center; gap:30px; list-style:none; margin:0; padding:0;}
.nav-links a{color:#d6dee7; font-size:15px; font-weight:600; transition:.15s; position:relative;}
.nav-links a:hover{color:#fff;}
.nav-links a.active{color:var(--gold-soft);}
.nav-links a.active:after{content:""; position:absolute; left:0; right:0; bottom:-7px; height:2px; background:var(--gold);}
.nav-cta{display:flex; align-items:center; gap:16px;}
.nav-phone{color:#fff; font-weight:700; font-size:15px;}
.nav-toggle{display:none; background:none; border:none; cursor:pointer; padding:8px;}
.nav-toggle span{display:block; width:24px; height:2px; background:#fff; margin:5px 0; transition:.2s;}
@media(max-width:900px){
  .nav-links, .nav-phone{display:none;}
  .nav-toggle{display:block;}
  .nav-links.open{
    display:flex; position:absolute; top:72px; left:0; right:0; flex-direction:column;
    background:var(--navy-2); padding:18px 24px; gap:18px; border-bottom:1px solid rgba(255,255,255,.1);
  }
  .nav-links.open a{font-size:17px;}
}

/* ---------- hero ---------- */
.hero{
  background:
    radial-gradient(1100px 460px at 82% -12%, rgba(199,154,69,.22), transparent 58%),
    radial-gradient(900px 500px at 6% 110%, rgba(22,49,76,.65), transparent 55%),
    linear-gradient(180deg,var(--navy) 0%, var(--navy-2) 100%);
  color:#eef3f8; position:relative; overflow:hidden;
}
.hero:after{content:""; position:absolute; left:0; right:0; bottom:0; height:1px; background:linear-gradient(90deg,transparent,var(--gold),transparent); opacity:.5;}
.hero-home{padding:96px 0 104px;}
.hero-home h1{font-size:clamp(36px,6vw,60px); max-width:17ch; letter-spacing:-.02em;}
.hero-home .lead{color:#c7d2dd; margin:22px 0 0; max-width:56ch; font-size:clamp(17px,2.2vw,20px);}
.hero-cta{display:flex; flex-wrap:wrap; gap:14px; margin-top:34px;}
.hero-page{padding:72px 0 76px;}
.hero-page h1{font-size:clamp(32px,5.2vw,52px); max-width:20ch;}
.hero-page .lead{color:#c7d2dd; margin:20px 0 0;}
.fade-up{opacity:0; transform:translateY(18px); animation:fadeUp .7s ease forwards;}
.fade-up.d1{animation-delay:.08s;} .fade-up.d2{animation-delay:.16s;} .fade-up.d3{animation-delay:.24s;} .fade-up.d4{animation-delay:.32s;}
@keyframes fadeUp{to{opacity:1; transform:none;}}

/* ---------- stat band ---------- */
.statband{background:var(--navy-3); color:#eaf0f6;}
.statband .wrap{display:flex; flex-wrap:wrap; justify-content:space-between; gap:22px; padding:34px 24px;}
.stat{flex:1; min-width:150px; text-align:center;}
.stat .n{font-family:"Fraunces",serif; font-size:clamp(30px,4vw,42px); color:var(--gold-soft); line-height:1;}
.stat .l{font-size:12.5px; letter-spacing:.12em; text-transform:uppercase; color:#aebccb; margin-top:8px;}

/* ---------- solution grid ---------- */
.grp-label{display:flex; align-items:center; gap:14px; margin:0 0 26px;}
.grp-label h3{font-size:22px; color:var(--navy);}
.grp-label .rule{flex:1; height:1px; background:var(--line);}
.grp-label .tag{font-size:11px; font-weight:800; letter-spacing:.14em; text-transform:uppercase; color:var(--gold-2); background:#fff; border:1px solid var(--gold); padding:4px 10px; border-radius:999px;}
.sol-grid{display:grid; grid-template-columns:repeat(2,1fr); gap:20px;}
@media(max-width:760px){ .sol-grid{grid-template-columns:1fr;} }
.sol-card{
  background:var(--paper); border:1px solid var(--line-soft); border-radius:var(--radius);
  padding:26px 24px; box-shadow:var(--shadow-sm); transition:.2s; position:relative; overflow:hidden;
  display:flex; flex-direction:column;
}
.sol-card:hover{transform:translateY(-4px); box-shadow:var(--shadow); border-color:#e9dcc0;}
.sol-card:before{content:""; position:absolute; top:0; left:0; width:100%; height:3px; background:linear-gradient(90deg,var(--gold),transparent); opacity:0; transition:.2s;}
.sol-card:hover:before{opacity:1;}
.sol-ico{
  width:46px;height:46px;border-radius:12px; background:#fbf6ea; border:1px solid #efe2c6;
  display:flex;align-items:center;justify-content:center; margin-bottom:16px; color:var(--gold-2);
}
.sol-ico svg{width:24px;height:24px;}
.sol-card h4{font-size:19.5px; margin-bottom:8px;}
.sol-card p{font-size:14.5px; color:var(--muted); margin-bottom:16px;}
.sol-card .more{margin-top:auto; font-weight:700; color:var(--gold-2); font-size:14.5px; display:inline-flex; gap:7px; align-items:center;}

/* ---------- alternating feature blocks (solutions page) ---------- */
.feature{display:grid; grid-template-columns:1.05fr 1fr; gap:44px; align-items:center; padding:46px 0; border-bottom:1px solid var(--line-soft); scroll-margin-top:96px;}
.feature:last-child{border-bottom:none;}
.feature.flip .feat-media{order:-1;}
@media(max-width:820px){ .feature{grid-template-columns:1fr; gap:26px;} .feature.flip .feat-media{order:0;} }
.feat-body h3{font-size:clamp(24px,3.4vw,32px); margin-bottom:6px;}
.feat-kicker{font-size:12px; font-weight:800; letter-spacing:.14em; text-transform:uppercase; color:var(--gold-2); margin-bottom:12px;}
.feat-body p{color:var(--muted);}
.feat-list{list-style:none; padding:0; margin:18px 0 0; display:grid; gap:10px;}
.feat-list li{display:flex; gap:11px; font-size:15px; align-items:flex-start;}
.feat-list svg{flex:0 0 auto; margin-top:3px; color:var(--gold-2);}
.feat-media{
  background:linear-gradient(160deg,var(--navy),var(--navy-3)); border-radius:var(--radius);
  padding:34px; color:#eaf0f6; box-shadow:var(--shadow); position:relative; overflow:hidden; min-height:230px;
  display:flex; flex-direction:column; justify-content:space-between;
}
.feat-media:before{content:""; position:absolute; top:-40px; right:-40px; width:160px; height:160px; border-radius:50%; background:radial-gradient(circle,rgba(199,154,69,.28),transparent 70%);}
.feat-media .big{font-family:"Fraunces",serif; font-size:46px; color:var(--gold-soft); line-height:1;}
.feat-media .cap{font-size:13.5px; color:#bccadb; letter-spacing:.04em;}
.feat-media .who{font-size:12px; letter-spacing:.14em; text-transform:uppercase; color:var(--gold-soft); margin-bottom:10px;}

/* ---------- process ---------- */
.steps{display:grid; grid-template-columns:repeat(3,1fr); gap:22px;}
@media(max-width:760px){ .steps{grid-template-columns:1fr;} }
.step{background:var(--paper); border:1px solid var(--line-soft); border-radius:var(--radius); padding:28px 24px; box-shadow:var(--shadow-sm); position:relative;}
.step .sn{font-family:"Fraunces",serif; font-size:15px; color:#fff; background:linear-gradient(145deg,var(--gold),var(--gold-2)); width:38px;height:38px;border-radius:10px; display:flex;align-items:center;justify-content:center; margin-bottom:16px;}
.step h4{font-size:19px; margin-bottom:8px;}
.step p{font-size:14.5px; color:var(--muted); margin:0;}

/* ---------- why-us ---------- */
.why-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:1px; background:var(--line-soft); border:1px solid var(--line-soft); border-radius:var(--radius); overflow:hidden;}
@media(max-width:820px){ .why-grid{grid-template-columns:1fr;} }
.why{background:var(--paper); padding:30px 26px;}
.why .wn{font-family:"Fraunces",serif; color:var(--gold-2); font-size:14px; letter-spacing:.06em;}
.why h4{font-size:19px; margin:10px 0 8px;}
.why p{font-size:14.5px; color:var(--muted); margin:0;}

/* ---------- quote ---------- */
.quote{background:linear-gradient(160deg,var(--navy),var(--navy-2)); color:#eef3f8; border-radius:var(--radius); padding:54px 48px; position:relative; overflow:hidden; box-shadow:var(--shadow);}
.quote:before{content:"\201C"; position:absolute; top:-10px; left:28px; font-family:"Fraunces",serif; font-size:140px; color:rgba(199,154,69,.28); line-height:1;}
.quote blockquote{font-family:"Fraunces",serif; font-size:clamp(20px,3vw,29px); line-height:1.3; margin:0; max-width:32ch; position:relative; z-index:1;}
.quote .by{margin-top:22px; color:var(--gold-soft); font-weight:700; letter-spacing:.04em;}

/* ---------- FAQ ---------- */
.faq{max-width:820px; margin:0 auto;}
.faq-item{border-bottom:1px solid var(--line); }
.faq-q{width:100%; text-align:left; background:none; border:none; cursor:pointer; padding:22px 4px; font-family:"Fraunces",serif; font-size:19px; color:var(--navy); display:flex; justify-content:space-between; align-items:center; gap:18px;}
.faq-q .pm{flex:0 0 auto; width:26px;height:26px; border:1.5px solid var(--gold); border-radius:50%; color:var(--gold-2); display:flex;align-items:center;justify-content:center; font-size:18px; transition:.2s; font-family:"Hanken Grotesk",sans-serif;}
.faq-item.open .pm{transform:rotate(45deg); background:var(--gold); color:#fff;}
.faq-a{max-height:0; overflow:hidden; transition:max-height .3s ease; color:var(--muted);}
.faq-a p{padding:0 4px 22px; margin:0; font-size:15.5px;}

/* ---------- CTA band ---------- */
.cta-band{background:radial-gradient(900px 400px at 80% 0%, rgba(199,154,69,.2), transparent 60%), linear-gradient(180deg,var(--navy-2),var(--navy)); color:#eef3f8; text-align:center;}
.cta-band h2{font-size:clamp(28px,4.5vw,44px); max-width:18ch; margin:0 auto;}
.cta-band p{color:#c7d2dd; max-width:52ch; margin:16px auto 28px;}

/* ---------- team ---------- */
.team-grid{display:grid; grid-template-columns:repeat(2,1fr); gap:24px;}
@media(max-width:720px){ .team-grid{grid-template-columns:1fr;} }
.team-card{background:var(--paper); border:1px solid var(--line-soft); border-radius:var(--radius); padding:30px; box-shadow:var(--shadow-sm);}
.team-card .av{width:64px;height:64px;border-radius:14px; background:linear-gradient(145deg,var(--gold),#9c772b); color:var(--navy); font-family:"Fraunces",serif; font-weight:700; font-size:24px; display:flex;align-items:center;justify-content:center; margin-bottom:18px;}
.team-card h4{font-size:22px;}
.team-card .role{color:var(--gold-2); font-weight:700; font-size:13.5px; letter-spacing:.06em; text-transform:uppercase; margin:4px 0 14px;}
.team-card p{color:var(--muted); font-size:15px;}

/* ---------- contact ---------- */
.contact-grid{display:grid; grid-template-columns:1fr 1.2fr; gap:40px; align-items:start;}
@media(max-width:860px){ .contact-grid{grid-template-columns:1fr;} }
.cinfo{display:grid; gap:18px;}
.cinfo .row{display:flex; gap:14px; align-items:flex-start;}
.cinfo .ico{width:42px;height:42px;border-radius:11px; background:#fbf6ea; border:1px solid #efe2c6; color:var(--gold-2); display:flex;align-items:center;justify-content:center; flex:0 0 auto;}
.cinfo .row b{display:block; font-size:12.5px; letter-spacing:.08em; text-transform:uppercase; color:var(--muted);}
.cinfo .row a, .cinfo .row span{font-size:16.5px; color:var(--ink); font-weight:600;}
.form-card{background:var(--paper); border:1px solid var(--line-soft); border-radius:var(--radius); padding:30px; box-shadow:var(--shadow);}
.field{margin-bottom:16px;}
.field label{display:block; font-size:12.5px; font-weight:700; letter-spacing:.04em; text-transform:uppercase; color:var(--muted); margin-bottom:6px;}
.field .req{color:var(--gold);}
.field input, .field select, .field textarea{width:100%; padding:12px 14px; border:1px solid var(--line); border-radius:10px; font-family:inherit; font-size:15.5px; background:#fdfdfb; transition:.15s;}
.field textarea{min-height:110px; resize:vertical;}
.field input:focus,.field select:focus,.field textarea:focus{outline:none; border-color:var(--gold); box-shadow:0 0 0 3px rgba(199,154,69,.18); background:#fff;}
.field input.invalid,.field select.invalid{border-color:var(--err); box-shadow:0 0 0 3px rgba(192,57,43,.12);}
.f2{display:grid; grid-template-columns:1fr 1fr; gap:16px;}
@media(max-width:520px){ .f2{grid-template-columns:1fr;} }
.consent-row{display:flex; gap:11px; align-items:flex-start; font-size:13px; color:var(--muted); margin:4px 0 16px;}
.consent-row input{margin-top:3px;}
.status{font-size:14.5px; font-weight:600; min-height:20px; margin-top:6px;}
.status.ok{color:var(--ok);} .status.err{color:var(--err);}
.spinner{display:inline-block;width:14px;height:14px;border:2px solid rgba(255,255,255,.5);border-top-color:#fff;border-radius:50%;animation:spin .7s linear infinite;vertical-align:-2px;margin-right:7px;}
@keyframes spin{to{transform:rotate(360deg);}}

/* ---------- tool callout ---------- */
.callout{background:linear-gradient(160deg,var(--navy),var(--navy-3)); color:#eef3f8; border-radius:var(--radius); padding:38px 40px; display:flex; flex-wrap:wrap; gap:24px; align-items:center; justify-content:space-between; box-shadow:var(--shadow);}
.callout h3{font-size:26px; max-width:18ch;}
.callout p{color:#c7d2dd; max-width:46ch; margin:8px 0 0;}

/* ---------- footer ---------- */
.site-footer{background:var(--navy); color:#aebccb; padding:56px 0 34px; font-size:14px; line-height:1.65;}
.foot-top{display:grid; grid-template-columns:1.4fr 1fr 1fr; gap:34px; border-bottom:1px solid rgba(255,255,255,.1); padding-bottom:34px;}
@media(max-width:760px){ .foot-top{grid-template-columns:1fr 1fr;} }
@media(max-width:520px){ .foot-top{grid-template-columns:1fr;} }
.foot-brand .bn{font-family:"Fraunces",serif; font-size:20px; color:#fff;}
.foot-brand p{max-width:34ch; margin-top:10px; font-size:13.5px;}
.foot-col h5{color:var(--gold-soft); font-size:11px; letter-spacing:.16em; text-transform:uppercase; margin:0 0 14px;}
.foot-col a, .foot-col p{display:block; color:#cdd8e3; margin:0 0 9px; font-size:14px;}
.foot-col a:hover{color:#fff;}
.disc{margin-top:26px; font-size:11px; color:#8595a6; line-height:1.7;}
.disc b{color:#aebccb;}
.copyright{margin-top:18px; font-size:11.5px; color:#6f7e90; display:flex; flex-wrap:wrap; gap:6px 18px; justify-content:space-between;}
.hide{display:none !important;}