/* FactorTax — site stylesheet
   Token system carried exactly from FactorTax_Homepage_Flow_v16_06242026.html (design authority).
   Section-block utilities added per WS-2.4b Chat 2 kickoff §3 (block-color design pass). */

:root{
  --navy:#14274E;
  --navy-deep:#0E1C3A;
  --coral:#F03A2F;
  --off-white:#FBF9F5;
  --white:#FFFFFF;
  --light-grey:#E5E7EB;
  --charcoal:#2C2C2A;
  --muted-label:#6B6660;

  --cream:#F4EFE5;
  --car-grey:#EDEFEF;
  --navy-d1:#102143; --navy-d2:#0D1B38; --navy-d3:#0A152D;
  --cream-on-navy:#F4EFE6; --cream-muted:#ABA597;

  --shadow-sm:0 1px 2px rgba(20,39,78,0.05);
  --shadow-md:0 2px 6px rgba(20,39,78,0.05), 0 16px 40px -12px rgba(20,39,78,0.14);

  --f-display:'Spectral', Georgia, serif;
  --f-sans:'Inter', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --maxw:1280px;
  --gutter:clamp(20px, 4vw, 56px);
}
*{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;}
html,body{background:var(--white);color:var(--charcoal);font-family:var(--f-sans);font-size:16px;line-height:1.55;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 var(--gutter);}
.eyebrow{font-family:var(--f-sans);font-size:12.5px;font-weight:600;letter-spacing:0.15em;text-transform:uppercase;}
.skip{position:absolute;left:-9999px;}
.skip:focus{left:12px;top:12px;z-index:100;background:var(--coral);color:#fff;padding:10px 16px;border-radius:0;}

/* ===================== NAV ===================== */
.nav{position:sticky;top:0;z-index:50;background:rgba(251,249,245,0.88);backdrop-filter:saturate(180%) blur(12px);border-bottom:1px solid rgba(20,39,78,0.22);}
.nav-row{max-width:var(--maxw);margin:0 auto;padding:0 var(--gutter);height:68px;display:flex;align-items:center;justify-content:space-between;}
.wordmark{font-family:var(--f-display);font-weight:600;font-size:28px;letter-spacing:-0.02em;line-height:1;color:var(--navy);text-decoration:none;}
.wordmark .x{color:var(--coral);}
.nav-links{display:flex;align-items:center;gap:36px;}
.nav-links a{font-family:var(--f-sans);font-size:14.5px;font-weight:600;color:var(--navy);text-decoration:none;transition:color .16s ease;}
.nav-links a:hover{color:var(--coral);}
.nav-links a.here{color:var(--coral);}
.nav-cta{font-weight:600;font-size:14px;color:var(--white) !important;background:var(--coral);padding:10px 20px;border-radius:2px;}

/* ===================== BUTTONS ===================== */
.btn-primary{font-weight:600;font-size:15px;color:var(--white);background:var(--coral);padding:14px 24px;border-radius:2px;text-decoration:none;display:inline-flex;align-items:center;gap:10px;box-shadow:var(--shadow-sm);transition:gap .18s ease,transform .18s ease,box-shadow .18s ease;}
.btn-primary:hover{gap:15px;transform:translateY(-1px);box-shadow:var(--shadow-md);}
.btn-outline{font-weight:600;font-size:15px;color:var(--navy);background:var(--white);padding:14px 24px;border:1px solid rgba(20,39,78,0.35);border-radius:2px;text-decoration:none;display:inline-flex;align-items:center;gap:10px;box-shadow:var(--shadow-sm);transition:border-color .18s ease,background .18s ease,color .18s ease,gap .18s ease,transform .18s ease;}
.btn-outline:hover{background:var(--navy);color:var(--white);border-color:var(--navy);gap:15px;transform:translateY(-1px);}
.btn-on-navy{font-weight:600;font-size:15px;color:var(--white);background:var(--coral);padding:15px 26px;border-radius:2px;text-decoration:none;display:inline-flex;align-items:center;gap:10px;transition:gap .18s ease;}
.btn-on-navy:hover{gap:15px;}
.btn-on-navy.ghost{background:transparent;border:1px solid rgba(255,255,255,0.4);}
.btn-on-navy.ghost:hover{border-color:var(--white);}

/* ===================== FULL-BLEED COLOR BLOCKS ===================== */
.band{padding:88px 0;}
.band.tight{padding:76px 0;}
.band-navy{background:var(--navy);color:var(--cream-on-navy);}
.band-navy-deep{background:var(--navy-deep);color:var(--cream-on-navy);}
.band-cream{background:var(--cream);color:var(--charcoal);border-top:1px solid rgba(20,39,78,0.08);border-bottom:1px solid rgba(20,39,78,0.08);}
.band-offwhite{background:var(--off-white);background-image:repeating-linear-gradient(to bottom,transparent 0,transparent 33px,rgba(20,39,78,0.022) 33px,rgba(20,39,78,0.022) 34px);color:var(--charcoal);}
.band-white{background:var(--white);color:var(--charcoal);}
.band-coral{background:var(--coral);color:var(--white);}
.band-navy .eyebrow,.band-navy-deep .eyebrow{color:rgba(255,255,255,0.6);}
.band-cream .eyebrow,.band-offwhite .eyebrow,.band-white .eyebrow{color:var(--navy);}
.band .eyebrow{display:block;margin-bottom:20px;}
.band .eyebrow + .h-lg,.band .eyebrow + .h-md,.band .eyebrow + .h-sm{margin-top:0;}
.band-coral .eyebrow{color:rgba(255,255,255,0.85);}

/* ===================== PAGE HERO (asymmetric) ===================== */
.phero{background:var(--navy);color:var(--cream-on-navy);padding:84px 0 76px;position:relative;overflow:hidden;}

.phero .wrap{position:relative;z-index:2;}
.phero-grid{display:grid;grid-template-columns:1.25fr 0.75fr;gap:64px;align-items:end;}
.phero .eyebrow{color:rgba(255,255,255,0.62);margin-bottom:26px;}
.phero h1{font-family:var(--f-display);font-weight:500;font-size:clamp(36px,5vw,64px);letter-spacing:-0.024em;line-height:1.05;color:var(--white);margin-bottom:26px;}
.phero h1 .line{display:block;}
.phero h1 .coral{color:var(--coral);}
.phero .lede{font-size:18px;line-height:1.58;color:rgba(255,255,255,0.82);max-width:56ch;}
.phero-aside{border-left:2px solid var(--coral);padding-left:22px;}
.phero-aside .k{font-family:var(--f-sans);font-size:11px;font-weight:600;letter-spacing:0.14em;text-transform:uppercase;color:rgba(255,255,255,0.5);margin-bottom:10px;}
.phero-aside .v{font-family:var(--f-display);font-size:19px;line-height:1.35;color:var(--cream-on-navy);margin-bottom:22px;}
.phero-aside .v:last-child{margin-bottom:0;}

/* ===================== TYPE ===================== */
.h-lg{font-family:var(--f-display);font-weight:600;font-size:clamp(30px,4vw,54px);line-height:1.04;letter-spacing:-0.022em;margin-bottom:32px;}
.h-md{font-family:var(--f-display);font-weight:600;font-size:clamp(22px,2.4vw,30px);line-height:1.18;letter-spacing:-0.01em;margin-bottom:20px;}
.h-sm{font-family:var(--f-display);font-weight:600;font-size:21px;line-height:1.22;margin-bottom:14px;}
.band-cream .h-lg,.band-cream .h-md,.band-cream .h-sm,.band-offwhite .h-lg,.band-offwhite .h-md,.band-offwhite .h-sm,.band-white .h-lg,.band-white .h-md,.band-white .h-sm{color:var(--navy);}
.band-navy .h-lg,.band-navy .h-md,.band-navy .h-sm,.band-navy-deep .h-lg,.band-navy-deep .h-md{color:var(--white);}
.band-coral .h-lg,.band-coral .h-md{color:var(--white);}
.lead{font-size:18px;line-height:1.6;max-width:62ch;}
.body{font-size:16.5px;line-height:1.68;max-width:68ch;}
.body + .body{margin-top:18px;}
.band-navy .body,.band-navy .lead{color:rgba(255,255,255,0.82);}
.narrow{max-width:820px;}
.coral{color:var(--coral);}

/* ===================== SPLIT / GRID ===================== */
.split{display:grid;grid-template-columns:0.9fr 1.1fr;gap:64px;align-items:start;}
.split.rev{grid-template-columns:1.1fr 0.9fr;}
.cols-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
.cols-2{display:grid;grid-template-columns:repeat(2,1fr);gap:28px;}
.card{background:transparent;border:1px solid rgba(20,39,78,0.18);padding:38px 34px 40px;}
.band-navy .card{background:var(--navy-d1);border-color:rgba(255,255,255,0.14);}
.card .h-sm{margin-bottom:12px;}
.card p{font-size:15px;line-height:1.62;}
.band-navy .card p{color:rgba(255,255,255,0.78);}
.tag{display:inline-block;background:var(--coral);color:#fff;font-size:11.5px;font-weight:700;letter-spacing:0.06em;text-transform:uppercase;padding:5px 12px;margin-bottom:16px;}
.rule{height:2px;background:var(--coral);width:64px;margin:0 0 26px;}

/* numbered stack */
.stack{counter-reset:s;display:grid;gap:2px;}
.stack .row{display:grid;grid-template-columns:78px 1fr;gap:26px;padding:26px 0;border-top:1px solid rgba(20,39,78,0.14);}
.band-navy .stack .row{border-top-color:rgba(255,255,255,0.16);}
.stack .row .n{font-family:var(--f-display);font-size:32px;line-height:1;color:var(--coral);}
.stack .row p{font-size:16px;line-height:1.62;max-width:62ch;}
.band-navy .stack .row p{color:rgba(255,255,255,0.8);}

/* tier pair */
.tiers{display:grid;grid-template-columns:1fr 1fr;gap:0;border:1px solid rgba(20,39,78,0.18);}
.tier{padding:32px 30px 34px;}
.tier + .tier{border-left:1px solid rgba(20,39,78,0.18);}
.tier .lbl{font-size:11px;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;color:var(--coral);margin-bottom:12px;}
.tier p{font-size:15.5px;line-height:1.62;}

/* ===================== ARTICLE ===================== */
.article{background:var(--off-white);padding:72px 0 96px;}
.article-body{max-width:720px;margin:0 auto;}
.article-body p{font-family:var(--f-display);font-size:18.5px;line-height:1.72;color:var(--charcoal);margin-bottom:22px;}
.article-body h2{font-family:var(--f-display);font-weight:600;font-size:clamp(23px,2.5vw,31px);line-height:1.18;letter-spacing:-0.012em;color:var(--navy);margin:48px 0 20px;}
.article-body h2:first-child{margin-top:0;}
.article-body .pull{border-left:3px solid var(--coral);padding:6px 0 6px 24px;margin:34px 0;font-family:var(--f-display);font-style:italic;font-size:20px;line-height:1.5;color:var(--navy);}
.article-meta{font-family:var(--f-sans);font-size:13px;letter-spacing:0.04em;text-transform:uppercase;font-weight:600;color:var(--muted-label);margin-bottom:14px;}

/* insights index */
.ilist{display:grid;gap:2px;}
.icard{display:grid;grid-template-columns:150px 1fr 130px;gap:30px;align-items:center;padding:34px 0;border-top:1px solid rgba(20,39,78,0.14);text-decoration:none;color:inherit;transition:background .16s ease;}
.icard:hover{background:rgba(20,39,78,0.03);}
.icard .num{font-family:var(--f-display);font-size:44px;line-height:1;color:rgba(20,39,78,0.18);}
.icard h3{font-family:var(--f-display);font-weight:600;font-size:clamp(20px,2.1vw,26px);line-height:1.2;color:var(--navy);margin-bottom:10px;}
.icard p{font-size:15.5px;line-height:1.6;color:var(--charcoal);max-width:60ch;}
.icard .go{font-size:14px;font-weight:600;color:var(--navy);text-align:right;}
.icard .go .arr{color:var(--coral);font-weight:700;}

/* legal */
.legal-body{max-width:800px;}
.legal-body h2{font-family:var(--f-display);font-weight:600;font-size:clamp(22px,2.4vw,30px);color:var(--navy);margin:52px 0 8px;scroll-margin-top:88px;}
.legal-body h2:first-child{margin-top:0;}
.legal-body h3{font-family:var(--f-sans);font-weight:700;font-size:15px;letter-spacing:0.02em;color:var(--navy);margin:26px 0 8px;}
.legal-body p,.legal-body li{font-size:16px;line-height:1.68;color:var(--charcoal);}
.legal-body p{margin-bottom:14px;}
.legal-body ul{margin:0 0 16px 22px;}
.legal-body li{margin-bottom:8px;}
.legal-toc{display:flex;gap:26px;flex-wrap:wrap;margin-top:26px;}
.legal-toc a{font-size:14px;font-weight:600;color:var(--white);text-decoration:none;border-bottom:1px solid var(--coral);padding-bottom:2px;}

/* ===================== CTA BAND ===================== */
.cta-band{background:var(--navy);color:var(--white);padding:88px 0;}
.cta-band .eyebrow{color:rgba(255,255,255,0.6);margin-bottom:24px;}
.cta-band h2{font-family:var(--f-display);font-weight:500;font-size:clamp(30px,3.6vw,46px);line-height:1.08;letter-spacing:-0.015em;color:var(--white);max-width:20ch;margin-bottom:24px;}
.cta-band h2 .line{display:block;}
.cta-band h2 .coral{color:var(--coral);}
.cta-band p{font-size:17px;line-height:1.55;color:rgba(255,255,255,0.8);max-width:56ch;margin-bottom:36px;}
.cta-row{display:flex;gap:20px;flex-wrap:wrap;}

/* ===================== FOOTER ===================== */
.footer{background:var(--navy-deep);color:rgba(255,255,255,0.6);padding:72px 0 36px;}
.footer-main{display:flex;justify-content:space-between;gap:64px;flex-wrap:wrap;padding-bottom:52px;}
.footer-brand{display:flex;flex-direction:column;gap:22px;}
.footer .wordmark{color:var(--white);font-size:28px;}
.footer-social{display:flex;gap:12px;}
.footer-social a{width:36px;height:36px;border:1px solid rgba(255,255,255,0.25);border-radius:50%;display:flex;align-items:center;justify-content:center;color:rgba(255,255,255,0.7);transition:background .15s ease,color .15s ease,border-color .15s ease;}
.footer-social a:hover{background:var(--white);color:var(--navy);border-color:var(--white);}
.footer-social svg{width:15px;height:15px;fill:currentColor;}
.footer-cols{display:flex;gap:56px;flex-wrap:wrap;}
.footer-col h5{font-family:var(--f-sans);font-size:11px;font-weight:600;letter-spacing:0.14em;text-transform:uppercase;color:rgba(255,255,255,0.45);margin-bottom:18px;}
.footer-col a{display:block;font-size:14px;color:rgba(255,255,255,0.72);text-decoration:none;margin-bottom:11px;transition:color .15s ease;}
.footer-col a:hover{color:var(--white);}
.footer-legal{border-top:1px solid rgba(255,255,255,0.12);padding-top:26px;margin-bottom:6px;}
.footer-legal p{font-size:12.5px;line-height:1.62;color:rgba(255,255,255,0.5);max-width:96ch;margin-bottom:9px;}
.footer-bar{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;align-items:center;padding-top:28px;}
.footer-copy{font-size:13px;color:rgba(255,255,255,0.5);}
.footer-utility{display:flex;gap:22px;flex-wrap:wrap;}
.footer-utility a{font-size:13px;color:rgba(255,255,255,0.55);text-decoration:none;transition:color .15s ease;}
.footer-utility a:hover{color:var(--white);}

/* ===================== FORM ===================== */
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;}
.field{display:flex;flex-direction:column;gap:7px;}
.field.full{grid-column:1 / -1;}
.field label{font-size:12px;font-weight:600;letter-spacing:0.1em;text-transform:uppercase;color:var(--navy);}
.field input,.field select,.field textarea{font-family:var(--f-sans);font-size:15.5px;color:var(--charcoal);background:var(--white);border:1px solid rgba(20,39,78,0.3);border-radius:0;padding:12px 14px;}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--coral);outline-offset:1px;}
.field textarea{min-height:132px;resize:vertical;}

/* ===================== RESPONSIVE ===================== */
@media (max-width:980px){
  .nav-links{gap:16px;}
  .nav-links a:not(.nav-cta){display:none;}
  .phero{padding:64px 0 60px;}
  .phero-grid{grid-template-columns:1fr;gap:40px;align-items:start;}
  .band{padding:64px 0;}
  .split,.split.rev{grid-template-columns:1fr;gap:36px;}
  .cols-3,.cols-2{grid-template-columns:1fr;}
  .tiers{grid-template-columns:1fr;}
  .tier + .tier{border-left:none;border-top:1px solid rgba(20,39,78,0.18);}
  .icard{grid-template-columns:1fr;gap:14px;}
  .icard .num{font-size:32px;}
  .icard .go{text-align:left;}
  .stack .row{grid-template-columns:52px 1fr;gap:16px;}
  .form-grid{grid-template-columns:1fr;}
  .footer-main{flex-direction:column;}
}


/* ===== HERO VARIANTS BY PAGE FAMILY (founder-approved 2026-07-27) ===== */
.phero-cream{background:var(--cream);color:var(--charcoal);}

.phero-cream h1{color:var(--navy);}
.phero-cream .eyebrow{color:var(--navy);}
.phero-cream .lede{color:var(--charcoal);}
.phero-cream .phero-aside .k{color:var(--muted-label);}
.phero-cream .phero-aside .v{color:var(--navy);}
.phero-cream .phero-aside .v a{color:var(--navy)!important;}
.phero-deep{background:var(--navy-deep);}

.phero-rule{width:96px;height:3px;background:var(--coral);margin-bottom:34px;}

/* ===== DIRECTORY (practice page) ===== */
.dir{border-top:1px solid rgba(20,39,78,0.2);margin-top:8px;}
.dir-row{display:grid;grid-template-columns:96px 1fr 140px;gap:38px;align-items:baseline;
  padding:44px 0;border-bottom:1px solid rgba(20,39,78,0.2);text-decoration:none;color:inherit;
  transition:padding-left .22s ease,background .22s ease;}
.dir-row:hover{padding-left:16px;background:rgba(240,58,47,0.035);}
.dir-num{font-family:var(--f-sans);font-size:12px;font-weight:600;letter-spacing:0.18em;color:var(--coral);}
.dir-name{font-family:var(--f-display);font-weight:600;font-size:clamp(26px,3.4vw,44px);line-height:1.03;
  letter-spacing:-0.025em;color:var(--navy);}
.dir-kind{font-size:11.5px;font-weight:600;letter-spacing:0.16em;text-transform:uppercase;
  color:var(--muted-label);margin-bottom:14px;}
.dir-desc{font-size:16px;line-height:1.62;color:var(--charcoal);margin-top:16px;max-width:58ch;}
.dir-go{font-size:12px;font-weight:600;letter-spacing:0.14em;text-transform:uppercase;color:var(--navy);text-align:right;}
.dir-go .arr{color:var(--coral);}
@media (max-width:980px){
  .dir-row{grid-template-columns:1fr;gap:10px;padding:32px 0;}
  .dir-go{text-align:left;}
}


/* Circle is OPT-IN, one page only, navy-tinted (coral over cream reads pink). */


/* SOLO HERO — single column, no aside. Used by the study pages so they do not
   repeat the split-with-aside layout of the entry pages. */
.phero-solo .phero-grid{display:block;}
.phero-solo h1{max-width:16ch;font-size:clamp(38px,5.6vw,72px);}
.phero-solo .lede{max-width:58ch;margin-top:34px;font-size:19px;}
.phero-solo .phero-meta{display:flex;gap:56px;flex-wrap:wrap;margin-top:52px;
  padding-top:26px;border-top:1px solid rgba(255,255,255,0.18);}
.phero-solo .phero-meta div{max-width:30ch;}
.phero-solo .phero-meta .k{font-size:11px;font-weight:600;letter-spacing:0.16em;text-transform:uppercase;
  color:rgba(255,255,255,0.45);margin-bottom:8px;}
.phero-solo .phero-meta .v{font-family:var(--f-display);font-size:17px;line-height:1.4;color:var(--cream-on-navy);}

/* WHO WE ARE — founder sections stacked, alternating, full width */
.founder{display:grid;grid-template-columns:0.85fr 1.15fr;gap:64px;align-items:start;}
.founder + .founder{margin-top:0;}
.founder-name{font-family:var(--f-display);font-weight:600;font-size:clamp(30px,3.8vw,50px);
  line-height:1.02;letter-spacing:-0.025em;margin-bottom:14px;}
.founder-role{font-size:11.5px;font-weight:600;letter-spacing:0.18em;text-transform:uppercase;
  color:var(--coral);margin-bottom:26px;}
.founder-body p{font-size:16.5px;line-height:1.7;margin-bottom:18px;}
@media (max-width:980px){ .founder{grid-template-columns:1fr;gap:26px;} }


/* CTA in cream: every page previously ended navy CTA + navy-deep footer, ~1000px of
   undifferentiated dark. Cream here restores a hard light/dark edge above the footer. */
.cta-band.cta-cream{background:var(--cream);color:var(--charcoal);
  border-top:1px solid rgba(20,39,78,0.10);}
.cta-band.cta-cream .eyebrow{color:var(--navy);}
.cta-band.cta-cream h2{color:var(--navy);}
.cta-band.cta-cream h2 .coral{color:var(--coral);}
.cta-band.cta-cream p{color:var(--charcoal);}
.cta-band.cta-cream .btn-on-navy.ghost{color:var(--navy);border-color:rgba(20,39,78,0.38);}
.cta-band.cta-cream .btn-on-navy.ghost:hover{border-color:var(--navy);background:var(--navy);color:#fff;}
.footer{border-top:2px solid var(--coral);}

.dir-group{font-size:11px;font-weight:700;letter-spacing:0.2em;text-transform:uppercase;
  color:var(--coral);margin:52px 0 4px;}
.dir-group:first-of-type{margin-top:8px;}
.dir-row-flat{cursor:default;}
.dir-row-flat:hover{padding-left:0;background:transparent;}
.dir-row-flat .dir-go{color:var(--muted-label);font-weight:500;text-transform:none;letter-spacing:0.02em;font-size:12.5px;}

/* Form controls must not size to their widest <option>. A long select option was forcing
   the contact column to 470px inside a 390px viewport. */
.split > *,.cols-2 > *,.cols-3 > *,.form-grid,.field{min-width:0;}
.field input,.field select,.field textarea{width:100%;max-width:100%;min-width:0;}
.field select{text-overflow:ellipsis;}