/* Cedar and Current: site styles.
   Two modes, switched from the top bar: Simple (light, plain English) and Advanced (dark, full method).
   Tokens come from the brand board. */

/* ---------- tokens ---------- */
:root {
  --serif: "Source Serif 4", Georgia, serif;
  --ui: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --max: 1180px;
  --header: 72px;

  /* Simple: light */
  --bg: #FAF8F4;
  --bg-alt: #F1EEE8;
  --surface: #FFFFFF;
  --line: #E3DED6;
  --text: #14212B;
  --muted: #5B6670;
  --heading: #0F2C3D;
  --accent: #A0603A;
  --accent-2: #1F5A73;
  --btn: #A0603A; --btn-text: #FFFFFF; --btn-hover: #8A5131;
  --band: #0F2C3D;
  --shadow: 0 1px 2px rgba(15, 44, 61, .06), 0 14px 36px rgba(15, 44, 61, .10);
  --header-bg: rgba(250, 248, 244, .86);
  --logo-tree: #A0603A; --logo-line: #0F2C3D; --logo-water: #1F5A73;

  /* hero scene: day */
  --hero-text: #0F2C3D; --hero-lede: #34424D;
  --tree-far: #D5CABA; --tree-near: #A0603A; --horizon: #A9B9C1;
  --water-top: #D3E3EA; --water-bot: #EEF3F5; --ripple: #A3C8D6; --ripple-2: #C6DDE6;
  --hint-bg: rgba(255, 255, 255, .6); --hint-line: rgba(15, 44, 61, .12);
}
html[data-mode="advanced"] {
  /* Advanced: dark */
  --bg: #0B1620;
  --bg-alt: #0F1D2A;
  --surface: #12212D;
  --line: #243746;
  --text: #E2E8EC;
  --muted: #A7B4BE;
  --heading: #F4F7F8;
  --accent: #D49A6A;
  --accent-2: #6FB3C8;
  --btn: #D49A6A; --btn-text: #0B1620; --btn-hover: #E2AE82;
  --band: #12212D;
  --shadow: 0 1px 2px rgba(0, 0, 0, .3), 0 18px 44px rgba(0, 0, 0, .35);
  --header-bg: rgba(11, 22, 32, .84);
  --logo-tree: #D49A6A; --logo-line: #EEF2F4; --logo-water: #6FB3C8;

  /* hero scene: night */
  --hero-text: #FFFFFF; --hero-lede: #C9D3D9;
  --tree-far: #142839; --tree-near: #7A5440; --horizon: #3A5566;
  --water-top: #0F2C3D; --water-bot: #09131C; --ripple: #2C5C72; --ripple-2: #1C3E50;
  --hint-bg: rgba(18, 33, 45, .6); --hint-line: rgba(238, 242, 244, .16);
  color-scheme: dark;
}

/* show only the current mode's content */
html[data-mode="simple"] [data-show="advanced"],
html[data-mode="advanced"] [data-show="simple"] { display: none !important; }
[data-show] { transition: opacity .22s ease; }
html.swapping [data-show] { opacity: 0; }

/* ---------- base ---------- */
* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; scroll-padding-top: var(--header); }
body { background: var(--bg); color: var(--text); font: 400 17px/1.6 var(--ui); -webkit-font-smoothing: antialiased; transition: background-color .7s ease, color .7s ease; }
img, svg { display: block; max-width: 100%; }
a { color: var(--accent-2); }
button { font: inherit; }
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 28px; }
section { padding: 84px 0; transition: background-color .7s ease; }
.eyebrow { display: inline-flex; align-items: center; gap: 12px; font: 600 12px/1.4 var(--ui); letter-spacing: .16em; text-transform: uppercase; color: var(--accent); }
.eyebrow::before { content: ""; width: 24px; height: 1.5px; background: currentColor; }
h1, h2, h3 { font-family: var(--serif); font-weight: 500; color: var(--heading); letter-spacing: -.015em; transition: color .7s ease; }
h1 { font-size: clamp(44px, min(6vw, 8.6vh), 82px); line-height: 1.02; }
h2 { font-size: clamp(32px, 4.2vw, 48px); line-height: 1.1; margin-top: 14px; }
h3 { font-size: 22px; line-height: 1.25; }
.lede { font-size: 19px; color: var(--muted); max-width: 620px; margin-top: 16px; }
.sec-head { max-width: 780px; }
.fine { margin-top: 26px; font-size: 12.5px; line-height: 1.6; max-width: 900px; color: var(--muted); }
.tiny { font-size: 12px; line-height: 1.5; color: var(--muted); }

/* ---------- buttons ---------- */
.btn { display: inline-flex; align-items: center; gap: 10px; height: 50px; padding: 0 24px; border-radius: 2px; border: 0; font: 600 15px/1 var(--ui); text-decoration: none; cursor: pointer; transition: background-color .25s, color .25s, box-shadow .25s; }
.btn-primary { background: var(--btn); color: var(--btn-text); }
.btn-primary:hover { background: var(--btn-hover); }
.btn-ghost { background: transparent; color: var(--heading); box-shadow: inset 0 0 0 1.5px currentColor; }
.btn-ghost:hover { background: var(--heading); color: var(--bg); box-shadow: none; }
.btn .arr { transition: transform .2s; }
.btn:hover .arr { transform: translateX(4px); }
.btn:focus-visible, a:focus-visible, button:focus-visible { outline: 2px solid var(--accent-2); outline-offset: 3px; }

/* ---------- header ---------- */
header.site { position: sticky; top: 0; z-index: 30; background: var(--header-bg); backdrop-filter: saturate(140%) blur(12px); -webkit-backdrop-filter: saturate(140%) blur(12px); border-bottom: 1px solid var(--line); transition: background-color .7s ease, border-color .7s ease; }
.nav { height: var(--header); display: flex; align-items: center; gap: 24px; }
.logo { display: flex; align-items: center; gap: 12px; text-decoration: none; margin-right: auto; }
.logo-mark { width: 28px; height: 36px; flex: none; }
.lm-tree { fill: var(--logo-tree); transition: fill .7s; }
.lm-line { fill: none; stroke: var(--logo-line); stroke-width: 2.4; stroke-linecap: round; transition: stroke .7s; }
.lm-water path { fill: none; stroke: var(--logo-water); stroke-width: 2.4; stroke-linecap: round; transition: stroke .7s; }
.logo-word b { display: block; font: 500 21px/1 var(--serif); color: var(--heading); letter-spacing: -.01em; transition: color .7s; }
.logo-word small { display: block; font: 500 8px/1 var(--ui); letter-spacing: .34em; text-transform: uppercase; color: var(--muted); margin-top: 6px; }
.links { display: flex; gap: 22px; }
.links a { position: relative; font: 500 15px/1 var(--ui); color: var(--text); text-decoration: none; }
.links a::after { content: ""; position: absolute; left: 0; right: 0; bottom: -8px; height: 1.5px; background: var(--accent); transform: scaleX(0); transform-origin: left; transition: transform .25s; }
.links a:hover::after { transform: scaleX(1); }
.nav-right { display: flex; align-items: center; gap: 18px; }
.nav-right .btn { height: 42px; padding: 0 18px; font-size: 14px; }

/* the Simple / Advanced slide switch */
.mode-switch { display: inline-flex; align-items: center; gap: 10px; background: none; border: 0; padding: 6px 0; cursor: pointer; font: 600 13px/1 var(--ui); color: var(--muted); }
.ms-label { transition: color .4s; }
html[data-mode="simple"] .ms-simple, html[data-mode="advanced"] .ms-adv { color: var(--heading); }
.ms-track { position: relative; width: 60px; height: 32px; border-radius: 999px; background: #E3DED6; box-shadow: inset 0 1px 3px rgba(15, 44, 61, .18); transition: background-color .6s ease; flex: none; }
html[data-mode="advanced"] .ms-track { background: #1F4557; box-shadow: inset 0 1px 3px rgba(0, 0, 0, .5); }
.ms-knob { position: absolute; top: 3px; left: 3px; width: 26px; height: 26px; border-radius: 50%; background: #FFFFFF; box-shadow: 0 1px 4px rgba(15, 44, 61, .3); transition: transform .5s cubic-bezier(.34, 1.4, .5, 1), background-color .6s; }
html[data-mode="advanced"] .ms-knob { transform: translateX(28px); background: #0B1620; box-shadow: 0 0 0 1px rgba(212, 154, 106, .5), 0 0 12px rgba(212, 154, 106, .35); }
.ms-knob svg { position: absolute; inset: 5px; width: 16px; height: 16px; transition: opacity .35s, transform .5s; }
.ms-sun circle { fill: #D9964F; }
.ms-sun path { stroke: #D9964F; stroke-width: 2; stroke-linecap: round; fill: none; }
.ms-moon path { fill: #D49A6A; }
.ms-moon { opacity: 0; transform: rotate(-70deg) scale(.6); }
html[data-mode="advanced"] .ms-sun { opacity: 0; transform: rotate(70deg) scale(.6); }
html[data-mode="advanced"] .ms-moon { opacity: 1; transform: none; }
.mode-switch:hover .ms-knob { box-shadow: 0 0 0 4px rgba(160, 96, 58, .15), 0 1px 4px rgba(15, 44, 61, .3); }
.mode-switch:focus-visible { outline: none; }
.mode-switch:focus-visible .ms-track { outline: 2px solid var(--accent-2); outline-offset: 3px; }

/* ---------- hero ---------- */
.hero { position: relative; overflow: hidden; padding: 0; min-height: clamp(620px, calc(100svh - var(--header)), 820px); display: flex; }
.sky { position: absolute; inset: 0; transition: opacity 1s ease; }
.sky-day { background: linear-gradient(180deg, #D3E3EB 0%, #E9EEEC 42%, #F7F1E8 100%); }
.sky-night { background: linear-gradient(180deg, #040A10 0%, #0A1824 42%, #13324A 100%); opacity: 0; }
html[data-mode="advanced"] .sky-night { opacity: 1; }
.stars { position: absolute; left: 0; top: 0; width: 100%; height: 62%; opacity: 0; transition: opacity 1.4s ease; }
html[data-mode="advanced"] .stars { opacity: 1; }
.tw { animation: twinkle 3.6s ease-in-out infinite; }
.tw2 { animation-delay: 1.2s; } .tw3 { animation-delay: 2.3s; }
@keyframes twinkle { 0%, 100% { opacity: 1; } 50% { opacity: .15; } }
.orb { position: absolute; border-radius: 50%; transition: opacity 1s ease, transform 1.1s cubic-bezier(.3, .8, .3, 1); pointer-events: none; }
.sun { width: 170px; height: 170px; right: 13%; top: 9%; background: radial-gradient(circle, #F6DCC2 0%, #F1CFAE 48%, rgba(241, 207, 174, 0) 71%); }
.moon { width: 92px; height: 92px; right: 15.5%; top: 13%; background: radial-gradient(circle at 38% 36%, #FBFCFC 0%, #E3E9ED 55%, #C6D1D8 100%); box-shadow: 0 0 70px 22px rgba(238, 242, 244, .12); opacity: 0; transform: translateY(40px); }
html[data-mode="advanced"] .sun { opacity: 0; transform: translateY(60px); }
html[data-mode="advanced"] .moon { opacity: 1; transform: none; }
.scene { position: absolute; left: 0; bottom: 0; width: 100%; height: auto; aspect-ratio: 3 / 1; }   /* full scene at any width, so no treetop gets cropped */
.t-far { fill: var(--tree-far); transition: fill 1s ease; }
.t-near { fill: var(--tree-near); transition: fill 1s ease; }
.hz { stroke: var(--horizon); stroke-width: 1.5; transition: stroke 1s ease; }
.water-top { stop-color: var(--water-top); transition: stop-color 1s ease; }
.water-bot { stop-color: var(--water-bot); transition: stop-color 1s ease; }
.rp { stroke: var(--ripple); transition: stroke 1s ease; }
.rp2 { stroke: var(--ripple-2); transition: stroke 1s ease; }
.refl { opacity: .15; transition: opacity 1s ease; }
html[data-mode="advanced"] .refl { opacity: .32; }
.drift-a { animation: drift 14s ease-in-out infinite alternate; }
.drift-b { animation: drift 19s ease-in-out infinite alternate-reverse; }
.drift-c { animation: drift 11s ease-in-out infinite alternate; }
@keyframes drift { from { transform: translateX(-22px); } to { transform: translateX(22px); } }

.hero-inner { position: relative; z-index: 2; width: 100%; padding-top: clamp(40px, 7.5vh, 92px); padding-bottom: calc(14.6vw + 36px); }   /* keeps the copy above the waterline */
.hero-copy { max-width: 800px; }
.hero h1 { color: var(--hero-text); margin: 20px 0 22px; }
.hero .lede { color: var(--hero-lede); font-size: 20px; margin-top: 0; max-width: 600px; transition: color .7s; }
.hero .cta { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 32px; }
.hero .btn-ghost { color: var(--hero-text); }
.hero .btn-ghost:hover { background: var(--hero-text); color: var(--bg); }
.hint { display: flex; width: fit-content; align-items: center; gap: 10px; margin-bottom: 24px; padding: 8px 16px 8px 12px; border-radius: 999px; border: 1px solid var(--hint-line); background: var(--hint-bg); backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px); color: var(--hero-lede); font: 500 13.5px/1.2 var(--ui); cursor: pointer; transition: background-color .6s, border-color .6s, color .6s; }
.hint:hover { border-color: var(--accent); }
.hint b { color: var(--accent); font-weight: 600; }
.hint i { width: 8px; height: 8px; border-radius: 50%; background: var(--accent); animation: pulse 2.4s ease-out infinite; flex: none; }
@keyframes pulse { 0% { box-shadow: 0 0 0 0 rgba(212, 154, 106, .55); } 80%, 100% { box-shadow: 0 0 0 9px rgba(212, 154, 106, 0); } }

/* ---------- trust band ---------- */
.trust { background: var(--surface); border-bottom: 1px solid var(--line); transition: background-color .7s, border-color .7s; }
.trust-row { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 14px 28px; padding-top: 22px; padding-bottom: 22px; font: 500 14.5px/1.4 var(--ui); color: var(--muted); }
.trust-row span { display: flex; align-items: center; }
.trust-row i { width: 7px; height: 7px; background: var(--accent); transform: rotate(45deg); margin-right: 12px; flex: none; }
.trust-row b { color: var(--heading); font-weight: 600; }

/* ---------- approach ---------- */
.pillars { display: grid; grid-template-columns: repeat(3, 1fr); margin-top: 52px; border-top: 1px solid var(--line); }
.pillar { padding: 34px 32px 6px 0; border-right: 1px solid var(--line); }
.pillar + .pillar { padding-left: 32px; }
.pillar:last-child { border-right: 0; }
.pillar .n { font: 500 46px/1 var(--serif); color: var(--accent); }
.pillar h3 { margin: 18px 0 10px; }
.pillar p { color: var(--muted); font-size: 16px; }

/* ---------- how we invest: simple ---------- */
.invest { background: var(--bg-alt); }
.invest-simple { display: grid; grid-template-columns: 1.05fr .95fr; gap: 28px; margin-top: 48px; align-items: stretch; }
.tiers { display: grid; gap: 14px; }
.tier { position: relative; display: grid; grid-template-columns: 56px 1fr; gap: 18px; align-items: start; background: var(--surface); border: 1px solid var(--line); padding: 24px 24px 24px 28px; transition: transform .25s, box-shadow .25s; }
.tier:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.tier::before { content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 4px; background: var(--c); }
.badge { width: 56px; height: 56px; display: grid; place-items: center; background: var(--bg-alt); color: var(--c); }
.badge svg { width: 26px; height: 26px; fill: none; stroke: currentColor; stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round; }
.tier h3 { font-size: 25px; display: flex; align-items: baseline; gap: 12px; flex-wrap: wrap; }
.tier h3 small { font: 600 11px/1 var(--ui); letter-spacing: .14em; text-transform: uppercase; color: var(--c); }
.tier p { color: var(--muted); font-size: 15.5px; margin-top: 6px; }

.mixer { background: #0F2C3D; color: #EEF2F4; padding: 32px; display: flex; flex-direction: column; gap: 20px; box-shadow: var(--shadow); }
.mixer .eyebrow { color: #D49A6A; }
.mixer h3 { color: #FFFFFF; font-size: 28px; margin-top: -6px; }
.chips { display: flex; gap: 8px; }
.chip { flex: 1; height: 46px; background: transparent; border: 1px solid rgba(238, 242, 244, .25); color: #EEF2F4; font: 600 14px/1 var(--ui); cursor: pointer; border-radius: 2px; transition: background-color .2s, color .2s, border-color .2s; }
.chip:hover { border-color: #D49A6A; }
.chip[aria-checked="true"] { background: #EEF2F4; color: #0F2C3D; border-color: #EEF2F4; }
.range { display: block; }
.range > span { display: flex; justify-content: space-between; gap: 12px; font: 500 14px/1.3 var(--ui); color: #A7B4BE; margin-bottom: 12px; }
.range output { color: #FFFFFF; font-weight: 700; white-space: nowrap; font-variant-numeric: tabular-nums; }
input[type=range] { -webkit-appearance: none; appearance: none; width: 100%; height: 4px; border-radius: 2px; background: rgba(238, 242, 244, .22); outline: none; cursor: pointer; }
input[type=range]::-webkit-slider-thumb { -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%; background: #D49A6A; border: 4px solid #0F2C3D; box-shadow: 0 0 0 1.5px #D49A6A; transition: transform .15s; }
input[type=range]::-webkit-slider-thumb:hover { transform: scale(1.12); }
input[type=range]::-moz-range-thumb { width: 14px; height: 14px; border-radius: 50%; background: #D49A6A; border: 4px solid #0F2C3D; box-shadow: 0 0 0 1.5px #D49A6A; }
.mixbar { display: flex; height: 48px; overflow: hidden; background: rgba(238, 242, 244, .08); }
.mixbar span { flex: 0 0 0%; display: flex; align-items: center; justify-content: center; overflow: hidden; white-space: nowrap; font: 700 12.5px/1 var(--ui); color: #0B1620; transition: flex-basis .5s cubic-bezier(.3, .9, .3, 1); }
.m-cash { background: #C9D4DB; } .m-bond { background: #6FB3C8; } .m-stock { background: #D49A6A; }
.mixnote { font: italic 400 18px/1.45 var(--serif); color: #EEF2F4; min-height: 52px; }
.mixer .tiny { color: #A7B4BE; margin-top: auto; }

.wealth { margin-top: 28px; display: grid; grid-template-columns: 1.35fr repeat(5, 1fr); background: var(--surface); border: 1px solid var(--line); }
.wealth > div { padding: 22px 20px; border-left: 1px solid var(--line); }
.wealth > div:first-child { border-left: 0; }
.wealth .w-head h3 { font-size: 20px; margin-top: 10px; }
.wealth b { display: block; font-size: 15px; color: var(--heading); margin-bottom: 4px; }
.wealth span { display: block; font-size: 14px; color: var(--muted); line-height: 1.45; }
.why { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; margin-top: 48px; padding-top: 36px; border-top: 1px solid var(--line); }
.why p { color: var(--muted); margin-top: 10px; }
.more { font-weight: 600; text-decoration: none; color: var(--accent); }
.more:hover { text-decoration: underline; }

/* ---------- how we invest: advanced ---------- */
.calc { display: grid; grid-template-columns: 1.1fr .9fr; margin-top: 48px; background: var(--surface); border: 1px solid var(--line); box-shadow: var(--shadow); }
.calc-in { padding: 34px; display: grid; gap: 24px; border-right: 1px solid var(--line); }
.calc-in h3 { font-size: 26px; margin-top: 10px; }
.calc .range > span { color: var(--muted); }
.calc .range output { color: var(--heading); }
.calc input[type=range] { background: #243746; }
.calc input[type=range]::-webkit-slider-thumb { border-color: var(--surface); }
.range > .track { display: block; position: relative; margin: 0; }
.range > .track input { position: relative; z-index: 1; display: block; }
.tips-tick { position: absolute; top: 50%; width: 2px; height: 14px; margin: -7px 0 0 -1px; background: var(--accent-2); border-radius: 1px; }
.tips-note { margin-top: -12px; font: 500 12.5px/1.5 var(--ui); color: var(--muted); }
.tips-note b { color: var(--accent-2); font-weight: 700; }
.tips-use { margin-left: 4px; padding: 0; border: 0; background: none; font: inherit; font-weight: 600; color: var(--accent); cursor: pointer; text-decoration: underline; text-underline-offset: 3px; }
.calc-out { padding: 34px; display: flex; flex-direction: column; gap: 6px; background: linear-gradient(160deg, rgba(111, 179, 200, .06), rgba(212, 154, 106, .05)); }
.k { font: 600 11px/1 var(--ui); letter-spacing: .14em; text-transform: uppercase; color: var(--muted); }
.big { font: 600 48px/1.05 var(--ui); letter-spacing: -.02em; color: var(--heading); font-variant-numeric: tabular-nums; margin-top: 6px; }
.big.accent { color: var(--accent); }
.frbar { position: relative; height: 16px; background: #1A2C3A; margin-top: 14px; }
.frbar span { position: absolute; top: 0; bottom: 0; transition: width .45s ease, left .45s ease; }
.frbar .need { left: 0; background: #6FB3C8; }
.frbar .surp { left: 50%; background: #D49A6A; }
.frbar .short { background: repeating-linear-gradient(45deg, rgba(240, 138, 126, .7) 0 6px, transparent 6px 12px); }
.frbar i { position: absolute; left: 50%; top: -6px; bottom: -6px; width: 2px; background: #EEF2F4; }
.frscale { display: flex; justify-content: space-between; font: 500 11px/1 var(--ui); color: var(--muted); margin-top: 8px; }
.msg { font: italic 400 19px/1.45 var(--serif); color: var(--text); margin: 16px 0 8px; }

.steps-adv { margin-top: 64px; }
.srow { display: grid; grid-template-columns: .82fr 1.18fr; gap: 56px; align-items: center; padding: 52px 0; border-top: 1px solid var(--line); }
.srow:nth-child(even) { grid-template-columns: 1.18fr .82fr; }
.srow:nth-child(even) .stext { order: 2; }
.srow > * { min-width: 0; }
.stext .snum { font: 500 40px/1 var(--serif); color: var(--accent); margin: 0; }
.stext h3 { font-size: 28px; margin: 14px 0 6px; }
.stext p { color: var(--muted); margin-top: 12px; }
.stext b { color: var(--heading); font-weight: 600; }
.formula { font: italic 400 20px/1.45 var(--serif) !important; color: var(--heading) !important; padding: 16px 20px; border-left: 3px solid var(--accent); background: var(--surface); }
.chart { background: var(--surface); border: 1px solid var(--line); padding: 24px 24px 18px; }
.chart svg { width: 100%; height: auto; overflow: visible; }
.chart-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; scrollbar-width: thin; }
.chart figcaption::before { content: "Swipe to see the whole chart \2192"; display: none; margin-bottom: 4px; font-weight: 600; color: var(--accent); }
.chart text { font-family: var(--ui); }
.c-lab, .c-lab text { font-size: 15px; font-weight: 600; fill: #EEF2F4; }
.c-sub, .c-sub text { font-size: 13px; font-weight: 500; fill: #A7B4BE; }
.c-val, .c-val text { font-size: 14px; font-weight: 700; fill: #EEF2F4; }
.c-in { font-size: 14px; font-weight: 700; fill: #0B1620; }
.c-in-l { font-size: 14px; font-weight: 600; fill: #EEF2F4; }
.chart figcaption { margin-top: 14px; font-size: 13px; line-height: 1.5; color: var(--muted); }
.key { display: inline-block; width: 10px; height: 10px; margin: 0 6px 0 0; vertical-align: -1px; }
.key ~ .key { margin-left: 12px; }
.states { display: grid; gap: 14px; }
.state { display: grid; grid-template-columns: 76px 1fr; grid-template-rows: auto auto; column-gap: 18px; align-items: center; background: var(--surface); border: 1px solid var(--line); padding: 18px 20px; }
.state b { grid-row: 1 / span 2; font: 600 26px/1 var(--ui); color: var(--heading); font-variant-numeric: tabular-nums; }
.state p { font-size: 14px; color: var(--muted); margin-top: 8px; }
.sbar { position: relative; height: 12px; background: #1A2C3A; }
.sbar i { position: absolute; top: 0; bottom: 0; }
.sbar .sn { left: 0; background: #6FB3C8; }
.sbar .ss { background: #D49A6A; }
.sbar .sg { background: repeating-linear-gradient(45deg, rgba(240, 138, 126, .7) 0 5px, transparent 5px 10px); }
.sbar .s100 { left: 50%; width: 2px; top: -4px; bottom: -4px; background: #EEF2F4; }
.risks { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.risk { background: var(--surface); border: 1px solid var(--line); padding: 22px; transition: border-color .25s, transform .25s; }
.risk:hover { border-color: var(--accent); transform: translateY(-2px); }
.risk b { display: block; font: 500 18px/1.3 var(--serif); color: var(--heading); }
.risk span { display: block; margin-top: 12px; font: 600 11.5px/1 var(--ui); letter-spacing: .12em; text-transform: uppercase; color: var(--accent); }
/* Advanced: factor tilt by horizon */
.tilts { background: var(--surface); border: 1px solid var(--line); padding: 6px 24px 20px; }
.tilt { display: grid; grid-template-columns: 150px 1fr; column-gap: 20px; row-gap: 10px; align-items: center; padding: 18px 0; border-bottom: 1px solid var(--line); }
.tilt .tl { grid-row: span 2; margin: 0; font: 600 15px/1.3 var(--ui); color: var(--heading); }
.tilt .tl small { display: block; margin-top: 4px; font-size: 12.5px; font-weight: 500; color: var(--muted); }
.tb { display: grid; grid-template-columns: 50px 1fr; align-items: center; gap: 10px; font: 500 12.5px/1 var(--ui); color: var(--muted); }
.tbar { display: flex; gap: 2px; height: 12px; }
.tbar i, .tkey i { display: block; }
.t-core { background: #D49A6A; }
.t-small { background: #F0C9A0; }
.t-value { background: #A8693F; }
.t-safe { background: #6FB3C8; }
.t-credit { background: #2F7C99; }
.tkey { display: flex; flex-wrap: wrap; gap: 8px 18px; margin: 16px 0 0; font: 500 12.5px/1.3 var(--ui); color: var(--muted); }
.tkey span { display: inline-flex; align-items: center; gap: 7px; }
.tkey i { width: 10px; height: 10px; }
.tilts figcaption { margin-top: 12px; font-size: 13px; line-height: 1.5; color: var(--muted); }
.stext .cite { margin-top: 18px; padding: 14px 18px; border-left: 3px solid var(--accent); background: var(--surface); font-size: 14.5px; line-height: 1.6; }
.cite a { color: var(--accent-2); }
.risk p { margin-top: 8px; font-size: 14px; line-height: 1.5; color: var(--muted); }

/* Advanced: asset location and rebalancing */
.locate { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
.acct { background: var(--surface); border: 1px solid var(--line); border-top: 3px solid var(--c, var(--accent)); padding: 18px 18px 16px; }
.an { margin: 0; font: 600 12px/1.25 var(--ui); letter-spacing: .12em; text-transform: uppercase; color: var(--heading); }
.acct ul { list-style: none; margin: 12px 0 0; padding: 0; display: grid; gap: 8px; }
.acct li { position: relative; padding-left: 15px; font-size: 14px; line-height: 1.4; color: var(--muted); }
.acct li::before { content: ""; position: absolute; left: 0; top: .5em; width: 6px; height: 6px; background: var(--c, var(--accent)); transform: rotate(45deg); }
.band { grid-column: 1 / -1; background: var(--surface); border: 1px solid var(--line); padding: 18px 20px; }
.btrack { position: relative; height: 10px; margin: 24px 8px 16px; background: #1A2C3A; }
.btrack i { position: absolute; }
.bzone { top: 0; bottom: 0; left: 32%; width: 36%; background: rgba(111, 179, 200, .32); }
.btarget { left: 50%; top: -7px; bottom: -7px; width: 2px; margin-left: -1px; background: #EEF2F4; }
.bdot { top: 50%; width: 14px; height: 14px; margin: -7px 0 0 -7px; border-radius: 50%; }
.bdot.in, .bnote i.in { background: #6FB3C8; }
.bdot.out, .bnote i.out { background: #D49A6A; }
.bnote { display: flex; flex-wrap: wrap; gap: 8px 22px; margin: 0; font: 500 12.5px/1.3 var(--ui); color: var(--muted); }
.bnote i { display: inline-block; width: 10px; height: 10px; margin-right: 7px; border-radius: 50%; vertical-align: -1px; }
.locate .lc { grid-column: 1 / -1; margin: 2px 0 0; }
/* Advanced: how often the size and value premiums showed up */
.odds { background: var(--surface); border: 1px solid var(--line); padding: 22px 24px 20px; }
.orow { display: grid; grid-template-columns: 76px 1fr; gap: 16px; align-items: center; padding: 14px 0; border-bottom: 1px solid var(--line); }
.orow:first-of-type { margin-top: 12px; border-top: 1px solid var(--line); }
.ol { margin: 0; font: 600 14px/1.2 var(--ui); color: var(--heading); }
.obars { display: grid; gap: 7px; }
.ob { display: grid; grid-template-columns: 1fr 42px; align-items: center; gap: 10px; }
.obar { position: relative; display: block; height: 12px; background: #1A2C3A; }
.obar i { display: block; height: 100%; }
.obar::after { content: ""; position: absolute; left: 50%; top: -3px; bottom: -3px; border-left: 1px dashed rgba(238, 242, 244, .55); }
.ob b { font: 600 13px/1 var(--ui); color: var(--heading); text-align: right; font-variant-numeric: tabular-nums; }
.o-small { background: #F0C9A0; }
.o-value { background: #A8693F; }
.tkey i.o-half { width: 0; height: 12px; border-left: 1px dashed rgba(238, 242, 244, .7); }
.odds figcaption { margin-top: 12px; font-size: 12.5px; line-height: 1.55; color: var(--muted); }

/* Advanced: alternatives */
.alts { display: grid; gap: 12px; }
.alt { display: grid; grid-template-columns: 40px 1fr; gap: 16px; align-items: start; background: var(--surface); border: 1px solid var(--line); padding: 20px 22px; }
.alt .am { display: grid; place-items: center; width: 40px; height: 40px; border-radius: 50%; }
.alt .am svg { width: 20px; height: 20px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.alt b { display: block; font: 500 18px/1.3 var(--serif); color: var(--heading); }
.alt p { margin-top: 6px; font-size: 14px; line-height: 1.5; color: var(--muted); }
.alt .tag { display: block; margin-top: 10px; font: 600 11.5px/1 var(--ui); letter-spacing: .12em; text-transform: uppercase; }
.alt.no .am { color: #F08A7E; background: rgba(240, 138, 126, .12); }
.alt.yes .am { color: #6FB3C8; background: rgba(111, 179, 200, .14); }
.alt.joy .am { color: #D49A6A; background: rgba(212, 154, 106, .14); }
.alt.no .tag { color: #F08A7E; }
.alt.yes .tag { color: #6FB3C8; }
.alt.joy .tag { color: #D49A6A; }

/* ---------- services ---------- */
.svc { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; margin-top: 48px; background: var(--line); border: 1px solid var(--line); transition: background-color .7s, border-color .7s; }
.card { position: relative; background: var(--surface); padding: 34px 30px; transition: background-color .3s; }
.card::after { content: ""; position: absolute; left: 0; top: 0; height: 2px; width: 0; background: var(--accent); transition: width .35s ease; }
.card:hover::after { width: 100%; }
.card:hover { background: var(--bg-alt); }
.icon { display: block; width: 34px; height: 34px; color: var(--accent); margin-bottom: 22px; }
.icon svg { width: 34px; height: 34px; fill: none; stroke: currentColor; stroke-width: 1.3; stroke-linecap: round; stroke-linejoin: round; }
.card h3 { font-size: 21px; margin-bottom: 8px; }
.card p { color: var(--muted); font-size: 15.5px; }

/* ---------- process ---------- */
.process { background: var(--band); color: #EEF2F4; }
.process h2, .process h3 { color: #FFFFFF; }
.process .eyebrow { color: #D49A6A; }
.timeline { position: relative; display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; margin-top: 56px; }
.timeline::before { content: ""; position: absolute; left: 22px; right: 22px; top: 22px; height: 1px; background: rgba(238, 242, 244, .22); }
.tstep { position: relative; }
.dot { position: relative; z-index: 1; display: grid; place-items: center; width: 44px; height: 44px; border-radius: 50%; background: var(--band); border: 1.5px solid #D49A6A; color: #D49A6A; font: 600 13px/1 var(--ui); transition: background-color .7s, transform .3s; }
.tstep:hover .dot { transform: scale(1.1); background: #D49A6A; color: #0B1620; }
.tstep h3 { margin: 22px 0 8px; font-size: 22px; }
.tstep p { color: #A7B4BE; font-size: 15.5px; }

/* ---------- about ---------- */
.about { background: var(--bg-alt); }
.about-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 64px; align-items: center; }
.portrait { position: relative; isolation: isolate; aspect-ratio: 4 / 5; max-height: 540px; background: var(--bg-alt); border: 1px solid var(--line); }
.portrait::before { content: ""; position: absolute; z-index: -1; inset: 16px -16px -16px 16px; border: 1px solid var(--accent); transition: border-color .7s; }   /* offset cedar frame peeking out behind the photo */
.portrait img { display: block; width: 100%; height: 100%; object-fit: cover; object-position: 50% 18%; }
.about p { margin-top: 16px; color: var(--text); }
.creds { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 26px; }
.creds span { font: 600 12px/1 var(--ui); letter-spacing: .08em; text-transform: uppercase; color: var(--accent-2); background: var(--surface); border: 1px solid var(--line); padding: 10px 12px; }

/* ---------- contact ---------- */
.contact { padding-top: 0; background: var(--bg-alt); }
.cta-band { position: relative; overflow: hidden; display: grid; grid-template-columns: 1.3fr .7fr; gap: 40px; align-items: center; padding: 60px 64px 150px; background: #0F2C3D; color: #EEF2F4; }
html[data-mode="advanced"] .cta-band { background: #12212D; box-shadow: inset 0 0 0 1px #243746; }
.cta-trees { position: absolute; left: 0; right: 0; bottom: 0; width: 100%; height: 150px; pointer-events: none; }
.cta-trees .ct-trees { fill: #6E4D3C; }
.cta-trees .ct-hz { stroke: rgba(238, 242, 244, .16); }
.cta-trees .rp, .cta-trees .rp2 { stroke: rgba(111, 179, 200, .22); }
.cta-copy, .cta-band .actions { position: relative; z-index: 1; }
.cta-band h2 { color: #FFFFFF; }
.cta-band .eyebrow { color: #D49A6A; }
.cta-band .lede { color: #C9D3D9; }
.cta-band .btn-primary { background: #D49A6A; color: #0B1620; }
.cta-band .btn-primary:hover { background: #E2AE82; }
.cta-band .actions { display: flex; flex-direction: column; gap: 14px; align-items: flex-start; }
.cta-band small { font-size: 14px; color: #A7B4BE; }
.cta-band small a { color: #6FB3C8; overflow-wrap: anywhere; }

/* ---------- footer ---------- */
footer.site { background: var(--bg); border-top: 1px solid var(--line); padding: 48px 0 40px; font-size: 14px; color: var(--muted); transition: background-color .7s, border-color .7s; }
.foot { display: flex; justify-content: space-between; align-items: center; gap: 32px; flex-wrap: wrap; }
.foot nav { display: flex; flex-wrap: wrap; gap: 10px 24px; }
.foot nav a { color: var(--muted); text-decoration: none; }
.foot nav a:hover { color: var(--heading); }

/* ---------- legal page ---------- */
.legal { padding: 72px 0 96px; }
.legal .wrap { max-width: 800px; }
.legal h1 { font-size: 46px; margin: 16px 0 28px; }
.legal h2 { font-size: 24px; margin: 36px 0 10px; }
.legal p { margin-bottom: 14px; }
.notice { background: var(--surface); border-left: 3px solid var(--accent); padding: 14px 18px; font-size: 15px; margin-bottom: 28px; }

/* ---------- scroll reveal ---------- */
html.js .reveal { opacity: 0; transform: translateY(24px); transition: opacity .8s ease, transform .8s cubic-bezier(.2, .7, .2, 1); }
html.js .reveal.in { opacity: 1; transform: none; }
html.js .reveal.d1 { transition-delay: .1s; }
html.js .reveal.d2 { transition-delay: .2s; }
html.js .reveal.d3 { transition-delay: .3s; }

/* ---------- responsive ---------- */
@media (max-width: 1200px) {
  .links { display: none; }
}
@media (max-width: 960px) {
  section { padding: 76px 0; }
  .hero { min-height: 0; flex-direction: column; }
  .hero-inner { padding-top: 40px; padding-bottom: 56px; }
  .scene { position: relative; height: 270px; flex: none; }
  .sun { width: 96px; height: 96px; top: 22px; bottom: auto; right: auto; left: 8%; }
  .moon { width: 52px; height: 52px; top: 34px; bottom: auto; right: auto; left: 12%; }
  .stars { height: 100%; }
  .invest-simple, .calc, .srow, .srow:nth-child(even), .about-grid, .cta-band, .why { grid-template-columns: 1fr; }
  .srow { gap: 28px; padding: 40px 0; }
  .srow:nth-child(even) .stext { order: 0; }
  .calc-in { border-right: 0; border-bottom: 1px solid var(--line); }
  .pillars, .svc { grid-template-columns: 1fr; }
  .svc.six { grid-template-columns: 1fr 1fr; }
  .pillar, .pillar + .pillar { padding: 28px 0 12px; border-right: 0; border-bottom: 1px solid var(--line); }
  .timeline { grid-template-columns: 1fr 1fr; }
  .timeline::before { display: none; }
  .wealth { grid-template-columns: 1fr 1fr; }
  .wealth > div { border-left: 0; border-top: 1px solid var(--line); }
  .wealth > div:first-child { grid-column: 1 / -1; border-top: 0; }
  .cta-band { padding: 44px 28px 164px; }

}
@media (max-width: 600px) {
  body { font-size: 16px; }
  .wrap { padding-left: 20px; padding-right: 20px; }
  .nav { gap: 12px; }
  .nav-right .btn, .ms-simple, .logo-word small { display: none; }
  .logo-word b { font-size: 18px; }
  .mode-switch { font-size: 12.5px; }
  h1 { font-size: 44px; }
  .hero .lede { font-size: 18px; }
  .hint { font-size: 12.5px; }
  .eyebrow { letter-spacing: .12em; }
  .chart { padding: 20px 16px 16px; }
  .chart-scroll svg { min-width: 540px; }
  .chart figcaption::before { display: block; }
  .timeline, .wealth, .risks, .svc.six, .locate { grid-template-columns: 1fr; }
  .tilt { grid-template-columns: 1fr; }
  .tilt .tl { grid-row: auto; }
  .mixer, .calc-in, .calc-out { padding: 24px; }
  .big { font-size: 40px; }
  .state { grid-template-columns: 64px 1fr; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  html.js .reveal { opacity: 1; transform: none; transition: none; }
  .drift-a, .drift-b, .drift-c, .tw, .hint i { animation: none; }
  .orb, .sky, .ms-knob, .mixbar span { transition: none; }
}