/* TaskChad Financial & Insurance showcase design system.
   Fonts self-hosted under assets/fonts/. Fraunces (display), IBM Plex Sans
   (body), JetBrains Mono (figures, dates, eyebrows). Accent = gold-leaf,
   used as a scalpel. Everything else navy / ink / paper. */

@font-face {
  font-family: "Fraunces";
  font-style: normal;
  font-weight: 400 700;
  font-display: swap;
  src: url("/taskchad-financial-insurance/assets/fonts/fraunces-var.woff2") format("woff2");
}

@font-face {
  font-family: "IBM Plex Sans";
  font-style: normal;
  font-weight: 400 600;
  font-display: swap;
  src: url("/taskchad-financial-insurance/assets/fonts/ibmplexsans-var.woff2") format("woff2");
}

@font-face {
  font-family: "JetBrains Mono";
  font-style: normal;
  font-weight: 400 500;
  font-display: swap;
  src: url("/taskchad-financial-insurance/assets/fonts/jetbrainsmono-var.woff2") format("woff2");
}

:root {
  --navy: #0d2038;
  --navy-2: #172f4f;
  --ink: #12223a;
  --muted: #5c6a7e;
  --gold: #d4a017;
  --gold-deep: #b8891a;
  --gold-soft: #f0e4c4;
  --paper: #faf8f2;
  --paper-2: #f3efe5;
  --white: #ffffff;
  --line: #e3dccb;
  --line-strong: #d3c8b1;
  --shadow: 0 20px 50px rgba(13, 32, 56, 0.1);
  --shadow-soft: 0 12px 30px rgba(13, 32, 56, 0.07);
  --radius: 4px;

  --font-display: "Fraunces", Georgia, "Times New Roman", serif;
  --font-body: "IBM Plex Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  --font-mono: "JetBrains Mono", ui-monospace, "SFMono-Regular", monospace;

  font-family: var(--font-body);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.62;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  /* Tame Fraunces at display sizes: pin a calmer optical cut and disable
     the wonky alternates + f-ligatures (the flamboyant lowercase f).
     These properties inherit; Plex/Mono lack the axes and ignore them. */
  font-optical-sizing: none;
  font-variation-settings: "opsz" 32, "SOFT" 0, "WONK" 0;
  font-feature-settings: "liga" 0, "calt" 0;
}

img {
  display: block;
  max-width: 100%;
  height: auto;
}

a {
  color: inherit;
  text-decoration: none;
}

/* ---------- header ---------- */

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 16px clamp(20px, 5vw, 72px);
  background: rgba(250, 248, 242, 0.94);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(14px);
}

.brand {
  display: flex;
  align-items: center;
  gap: 13px;
  min-width: 230px;
}

.brand-mark {
  display: grid;
  width: 44px;
  height: 44px;
  place-items: center;
  border: 1px solid var(--gold);
  color: var(--gold);
  background: rgba(212, 160, 23, 0.06);
  font-family: var(--font-display);
  font-size: 1.42rem;
  font-weight: 600;
  line-height: 1;
}

.brand strong,
.brand small {
  display: block;
}

.brand strong {
  font-family: var(--font-display);
  font-size: 1.06rem;
  font-weight: 600;
  line-height: 1.15;
  color: var(--navy);
  letter-spacing: -0.01em;
}

.brand small {
  color: var(--muted);
  font-size: 0.74rem;
  letter-spacing: 0.01em;
}

.site-nav {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: clamp(10px, 1.8vw, 26px);
  font-size: 0.82rem;
  font-weight: 500;
}

.site-nav a:not(.nav-cta) {
  position: relative;
  color: #3a4b64;
  padding: 8px 0;
  border-bottom: 2px solid transparent;
  white-space: nowrap;
  letter-spacing: 0.01em;
  transition: color 160ms ease, border-color 160ms ease;
}

.site-nav a:not(.nav-cta):hover,
.site-nav a:not(.nav-cta):focus-visible {
  color: var(--navy);
  border-color: var(--gold);
}

.nav-cta,
.button {
  display: inline-flex;
  min-height: 46px;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius);
  padding: 0 22px;
  font-family: var(--font-body);
  font-size: 0.9rem;
  font-weight: 600;
  line-height: 1.2;
  letter-spacing: 0.005em;
  cursor: pointer;
  transition: transform 150ms ease, background 150ms ease, border-color 150ms ease, box-shadow 150ms ease;
}

.nav-cta,
.button.primary {
  color: var(--navy);
  background: var(--gold);
  box-shadow: 0 10px 24px rgba(212, 160, 23, 0.22);
}

.nav-cta:hover,
.button.primary:hover {
  background: var(--gold-deep);
  transform: translateY(-1px);
}

.button.secondary {
  color: var(--navy);
  background: transparent;
  border: 1px solid var(--line-strong);
}

.button.secondary:hover {
  border-color: var(--navy);
  transform: translateY(-1px);
}

.nav-toggle {
  display: none;
  width: 46px;
  height: 46px;
  border: 1px solid var(--line-strong);
  background: var(--white);
  border-radius: var(--radius);
  cursor: pointer;
}

.nav-toggle span {
  display: block;
  width: 18px;
  height: 2px;
  margin: 4px auto;
  background: var(--navy);
}

/* ---------- hero ---------- */

.hero {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(360px, 0.92fr);
  gap: clamp(36px, 6vw, 80px);
  align-items: center;
  padding: clamp(56px, 8vw, 104px) clamp(20px, 8vw, 132px);
  background: var(--paper);
}

.hero-simple {
  align-items: end;
  padding-bottom: clamp(44px, 6vw, 76px);
}

/* ---------- hero-home: cinematic background video ---------- */

.hero-home {
  position: relative;
  isolation: isolate;
  align-items: center;
  min-height: clamp(560px, 82vh, 760px);
  padding-top: clamp(64px, 8vw, 104px);
  padding-bottom: clamp(64px, 8vw, 104px);
  background: var(--navy);
  overflow: hidden;
}

.hero-video {
  position: absolute;
  inset: 0;
  z-index: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  pointer-events: none;
}

/* navy gradient scrim keeps the headline ADA-AA legible over the brightest frame */
.hero-home::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 1;
  pointer-events: none;
  background:
    linear-gradient(90deg, rgba(13, 32, 56, 0.92), rgba(13, 32, 56, 0.66) 55%, rgba(13, 32, 56, 0.42)),
    linear-gradient(0deg, rgba(9, 20, 36, 0.5), rgba(9, 20, 36, 0) 42%);
}

.hero-home > .hero-copy,
.hero-home > .readiness {
  position: relative;
  z-index: 2;
}

/* invert hero text for the dark background */
.hero-home h1 {
  color: var(--paper);
}

.hero-home .hero-lede {
  color: #f0ece3;
}

.hero-home .eyebrow {
  color: var(--gold);
}

.hero-home .button.secondary {
  color: var(--paper);
  border-color: rgba(250, 248, 242, 0.5);
  background: transparent;
}

.hero-home .button.secondary:hover {
  border-color: var(--paper);
  background: rgba(250, 248, 242, 0.08);
}

/* ---------- page-hero--cinematic: interior background video hero ---------- */
/* reuses the shared .hero-video absolute/cover rule + the global reduced-motion
   and mobile .hero-video{display:none} guards. Each page sets its own poster via
   an inline background-image so the correct still carries first paint on phones. */

.page-hero--cinematic {
  position: relative;
  isolation: isolate;
  display: block;
  align-items: center;
  min-height: clamp(440px, 62vh, 620px);
  padding-top: clamp(56px, 7vw, 92px);
  padding-bottom: clamp(56px, 7vw, 92px);
  background-color: var(--navy);
  background-size: cover;
  background-position: center;
  overflow: hidden;
}

.page-hero--cinematic::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 1;
  pointer-events: none;
  background:
    linear-gradient(90deg, rgba(13, 32, 56, 0.92), rgba(13, 32, 56, 0.66) 55%, rgba(13, 32, 56, 0.42)),
    linear-gradient(0deg, rgba(9, 20, 36, 0.5), rgba(9, 20, 36, 0) 42%);
}

.page-hero--cinematic > .hero-copy {
  position: relative;
  z-index: 2;
}

.page-hero--cinematic h1 {
  color: var(--paper);
}

.page-hero--cinematic .page-lede {
  color: #f0ece3;
}

.page-hero--cinematic .eyebrow,
.page-hero--cinematic .section-label {
  color: var(--gold);
}

.page-hero--cinematic .contact-strip dt {
  color: var(--gold-soft);
}

.page-hero--cinematic .contact-strip dd,
.page-hero--cinematic .contact-strip a {
  color: var(--paper);
}

/* The card sits on the dark cinematic hero, so it MUST be a dark glass panel.
   Otherwise the cream values render invisible on the default white card
   background (that was the bug: phone + email disappeared on /consultation). */
.page-hero--cinematic .contact-strip {
  background: rgba(9, 20, 36, 0.55);
  border-color: rgba(250, 248, 242, 0.22);
  backdrop-filter: blur(6px);
}

.page-hero--cinematic .contact-strip div {
  border-bottom-color: rgba(250, 248, 242, 0.16);
}

.hero-copy {
  max-width: 660px;
}

.eyebrow,
.section-label,
.article-kicker {
  margin: 0 0 18px;
  font-family: var(--font-mono);
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-deep);
}

h1,
h2,
h3 {
  margin: 0;
  font-family: var(--font-display);
  color: var(--navy);
  font-weight: 500;
  line-height: 1.06;
  letter-spacing: -0.018em;
}

h1 {
  font-size: clamp(2.7rem, 5.2vw, 4.5rem);
  max-width: 15ch;
}

h2 {
  font-size: clamp(1.9rem, 3.5vw, 3rem);
}

h3 {
  font-size: clamp(1.18rem, 1.5vw, 1.5rem);
  font-weight: 600;
  line-height: 1.2;
}

.hero-lede,
.page-lede {
  max-width: 56ch;
  margin: 22px 0 0;
  color: #33465f;
  font-size: clamp(1.05rem, 1.5vw, 1.28rem);
  line-height: 1.6;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin: 32px 0 0;
}

.contact-strip {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0;
  max-width: 520px;
  margin: 34px 0 0;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
}

.contact-strip div {
  padding: 16px 18px;
  border-bottom: 1px solid var(--line);
}

.contact-strip div:last-child {
  border-bottom: 0;
}

.contact-strip dt {
  margin: 0 0 5px;
  font-family: var(--font-mono);
  color: var(--muted);
  font-size: 0.68rem;
  font-weight: 500;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.contact-strip dd {
  margin: 0;
  color: var(--navy);
  font-size: 0.9rem;
  font-weight: 500;
  overflow-wrap: anywhere;
}

.contact-strip dd a:hover {
  color: var(--gold-deep);
}

/* ---------- hero media (interior pages) ---------- */

.hero-media {
  position: relative;
}

.hero-media img {
  width: 100%;
  height: min(58vh, 560px);
  object-fit: cover;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.profile-card {
  position: absolute;
  right: clamp(16px, 4vw, 40px);
  bottom: -24px;
  width: min(320px, 78%);
  padding: 20px 22px;
  color: var(--navy);
  background: var(--white);
  border: 1px solid var(--line);
  border-top: 3px solid var(--gold);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
}

.profile-card strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 600;
}

.profile-card span {
  display: block;
  margin-top: 4px;
  color: #53657b;
  font-size: 0.86rem;
}

/* ---------- legacy-readiness widget (opening move) ---------- */

.readiness {
  padding: clamp(24px, 3vw, 34px);
  background: var(--white);
  border: 1px solid var(--line-strong);
  border-top: 3px solid var(--gold);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.readiness-head strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1.35rem;
  font-weight: 600;
  color: var(--navy);
}

.readiness-head p {
  margin: 8px 0 22px;
  color: var(--muted);
  font-size: 0.95rem;
}

.readiness-q {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 15px 0;
  border-top: 1px solid var(--line);
}

.readiness-q:first-of-type {
  border-top: 0;
}

.readiness-q p {
  margin: 0;
  color: var(--ink);
  font-size: 0.95rem;
  font-weight: 500;
  line-height: 1.35;
}

.readiness-toggle {
  display: inline-flex;
  flex-shrink: 0;
  border: 1px solid var(--line-strong);
  border-radius: var(--radius);
  overflow: hidden;
}

.readiness-toggle button {
  min-width: 52px;
  padding: 8px 0;
  border: 0;
  background: var(--white);
  color: var(--muted);
  font-family: var(--font-mono);
  font-size: 0.74rem;
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  cursor: pointer;
  transition: background 140ms ease, color 140ms ease;
}

.readiness-toggle button + button {
  border-left: 1px solid var(--line-strong);
}

.readiness-toggle button[aria-pressed="true"] {
  background: var(--navy);
  color: var(--white);
}

.readiness-run {
  width: 100%;
  margin-top: 22px;
}

.readiness-result {
  margin-top: 24px;
  padding-top: 22px;
  border-top: 1px solid var(--line);
}

.readiness-result[hidden] {
  display: none;
}

.readiness-result .eyebrow {
  margin-bottom: 10px;
}

.readiness-rhead {
  display: block;
  margin-bottom: 16px;
  font-family: var(--font-display);
  font-size: 1.18rem;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.2;
}

.readiness-rhead:empty {
  display: none;
}

.readiness-priorities {
  list-style: none;
  margin: 0 0 22px;
  padding: 0;
  counter-reset: prio;
}

.readiness-priorities li {
  display: grid;
  grid-template-columns: 34px 1fr;
  gap: 14px;
  align-items: baseline;
  padding: 12px 0;
  border-top: 1px solid var(--line);
  opacity: 0;
  transform: translateY(6px);
  animation: prio-in 380ms ease forwards;
}

.readiness-priorities li:first-child {
  border-top: 0;
}

.readiness-priorities li::before {
  counter-increment: prio;
  content: counter(prio, decimal-leading-zero);
  font-family: var(--font-mono);
  font-size: 0.86rem;
  font-weight: 500;
  color: var(--gold-deep);
}

.readiness-priorities strong {
  display: block;
  color: var(--navy);
  font-size: 0.97rem;
  font-weight: 600;
}

.readiness-priorities span {
  display: block;
  grid-column: 2;
  margin-top: 3px;
  color: var(--muted);
  font-size: 0.88rem;
  line-height: 1.45;
}

@keyframes prio-in {
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@media (prefers-reduced-motion: reduce) {
  .readiness-priorities li {
    animation: none;
    opacity: 1;
    transform: none;
  }

  /* no motion: drop the video, let the poster carry first paint (scrim stays via ::before) */
  .hero-video {
    display: none;
  }

  .hero-home {
    background-image: url("/taskchad-financial-insurance/assets/hero-poster.webp");
    background-size: cover;
    background-position: center;
  }
}

/* ---------- sections ---------- */

.section {
  padding: clamp(60px, 8vw, 108px) clamp(20px, 8vw, 132px);
}

.split,
.feature-row,
.two-column-cta,
.detail-layout,
.article-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.86fr) minmax(340px, 1fr);
  gap: clamp(34px, 6vw, 84px);
  align-items: start;
}

.band {
  background: var(--white);
}

.section-heading {
  max-width: 760px;
  margin-bottom: clamp(32px, 5vw, 56px);
}

.section-heading p:not(.section-label):not(.eyebrow) {
  margin: 16px 0 0;
  color: var(--muted);
  font-size: 1.06rem;
}

.prose {
  color: #33465f;
  font-size: 1.05rem;
}

.prose p:first-child {
  margin-top: 0;
}

.prose a,
.fine-print a {
  color: var(--navy);
  text-decoration: underline;
  text-decoration-color: var(--gold);
  text-decoration-thickness: 1.5px;
  text-underline-offset: 3px;
}

.prose a:hover,
.fine-print a:hover {
  color: var(--gold-deep);
}

/* ---------- founder ---------- */

.founder {
  align-items: center;
}

.founder-portrait {
  position: relative;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  background: var(--paper-2);
}

.founder-portrait img {
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
}

.founder-portrait figcaption {
  padding: 14px 18px;
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.06em;
  color: var(--muted);
  background: var(--white);
  border-top: 1px solid var(--line);
}

.signature {
  margin: 26px 0 0;
  font-family: var(--font-mono);
  font-size: 0.78rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold-deep);
}

/* ---------- legacy typographic panel (founder left column) ---------- */

.legacy-panel {
  align-self: stretch;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: clamp(26px, 3.5vw, 44px);
  padding: clamp(30px, 4vw, 52px);
  background: var(--navy);
  border: 1px solid rgba(212, 160, 23, 0.3);
  border-radius: var(--radius);
}

.legacy-quote {
  margin: 0;
  font-family: var(--font-display);
  font-weight: 500;
  font-size: clamp(1.5rem, 2.6vw, 2.35rem);
  line-height: 1.18;
  letter-spacing: -0.015em;
  color: var(--paper);
}

.legacy-quote span {
  color: var(--gold);
  font-style: italic;
}

.legacy-lanes {
  list-style: none;
  margin: 0;
  padding: 0;
  border-top: 1px solid rgba(255, 255, 255, 0.13);
}

.legacy-lanes li {
  display: flex;
  align-items: baseline;
  gap: 16px;
  padding: 12px 2px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.13);
  color: rgba(255, 255, 255, 0.9);
  font-size: 1rem;
  font-weight: 500;
}

.legacy-lanes li:last-child {
  border-bottom: 0;
}

.lane-num {
  min-width: 26px;
  font-family: var(--font-mono);
  font-size: 0.82rem;
  font-weight: 500;
  color: var(--gold);
}

/* ---------- numbered vignettes (replaces 3-up service grids) ---------- */

.vignette-list {
  display: grid;
  gap: 0;
  border-top: 1px solid var(--line);
}

.vignette {
  display: grid;
  grid-template-columns: clamp(64px, 8vw, 104px) minmax(0, 1fr) auto;
  gap: clamp(18px, 3vw, 42px);
  align-items: baseline;
  padding: clamp(24px, 3vw, 34px) 0;
  border-bottom: 1px solid var(--line);
  transition: background 160ms ease;
}

a.vignette:hover {
  background: rgba(212, 160, 23, 0.04);
}

.vignette-num {
  font-family: var(--font-mono);
  font-size: clamp(1.6rem, 3vw, 2.4rem);
  font-weight: 400;
  color: var(--gold-deep);
  line-height: 1;
}

.vignette-body h3 {
  margin-bottom: 8px;
}

.vignette-body p {
  margin: 0;
  max-width: 62ch;
  color: var(--muted);
  font-size: 1rem;
}

.vignette-arrow {
  align-self: center;
  font-family: var(--font-mono);
  font-size: 1.1rem;
  color: var(--line-strong);
  transition: color 160ms ease, transform 160ms ease;
}

a.vignette:hover .vignette-arrow {
  color: var(--gold-deep);
  transform: translateX(3px);
}

/* ---------- imagery / captions ---------- */

.visual-card {
  padding: 14px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
}

.visual-card img {
  display: block;
  width: 100%;
  aspect-ratio: 16 / 10;
  object-fit: cover;
  border-radius: calc(var(--radius) - 1px);
}

.service-visual {
  position: relative;
  overflow: hidden;
  padding: 0;
  background: var(--navy);
  border-color: rgba(212, 160, 23, 0.32);
}

.service-visual img {
  aspect-ratio: 4 / 3;
  border-radius: var(--radius);
}

.service-visual::after {
  content: "";
  position: absolute;
  inset: 0;
  pointer-events: none;
  background: linear-gradient(180deg, transparent 44%, rgba(9, 22, 42, 0.82) 100%);
}

.visual-caption {
  position: absolute;
  right: 16px;
  bottom: 16px;
  left: 16px;
  z-index: 1;
  padding: 16px 18px;
  color: var(--white);
  background: rgba(9, 22, 42, 0.82);
  border: 1px solid rgba(212, 160, 23, 0.34);
  border-radius: var(--radius);
}

.visual-caption span,
.visual-caption strong,
.visual-caption small {
  display: block;
}

.visual-caption span {
  font-family: var(--font-mono);
  color: var(--gold);
  font-size: 0.64rem;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.visual-caption strong {
  margin-top: 8px;
  font-family: var(--font-display);
  font-size: clamp(1.15rem, 2vw, 1.55rem);
  font-weight: 600;
  line-height: 1.1;
}

.visual-caption small {
  margin-top: 7px;
  color: rgba(255, 255, 255, 0.74);
  font-size: 0.82rem;
  line-height: 1.45;
}

/* ---------- lists ---------- */

.check-list,
.plain-list {
  padding: 0;
  margin: 22px 0 0;
  list-style: none;
}

.check-list li,
.plain-list li {
  position: relative;
  padding-left: 28px;
  margin: 13px 0;
  color: #33465f;
}

.check-list li::before {
  content: "";
  position: absolute;
  top: 0.55em;
  left: 0;
  width: 10px;
  height: 10px;
  border: 2px solid var(--gold);
  border-radius: 50%;
}

.plain-list li::before {
  content: "";
  position: absolute;
  top: 0.72em;
  left: 0;
  width: 16px;
  height: 2px;
  background: var(--gold);
}

/* ---------- dark CTA band ---------- */

.two-column-cta {
  align-items: center;
  color: var(--white);
  background: var(--navy);
}

.two-column-cta h2,
.two-column-cta p,
.two-column-cta .section-label,
.two-column-cta .eyebrow {
  color: var(--white);
}

.two-column-cta .eyebrow,
.two-column-cta .section-label {
  color: var(--gold);
}

.two-column-cta h2 {
  color: var(--white);
}

.two-column-cta p {
  max-width: 62ch;
  margin: 16px 0 0;
  color: rgba(255, 255, 255, 0.78);
}

.two-column-cta .button {
  justify-self: start;
}

/* ---------- service detail ---------- */

.service-list {
  border-top: 1px solid var(--line);
}

.detail-nav {
  position: sticky;
  top: 104px;
  padding: 20px 22px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
}

.detail-nav a {
  display: block;
  padding: 10px 0;
  color: #42556e;
  font-size: 0.92rem;
  font-weight: 500;
  border-bottom: 1px solid var(--line);
  transition: color 150ms ease;
}

.detail-nav a:last-child {
  border-bottom: 0;
}

.detail-nav a:hover {
  color: var(--gold-deep);
}

.detail-content {
  display: grid;
  gap: 22px;
}

.detail-content .info-card h2 {
  font-size: clamp(1.6rem, 2.6vw, 2.4rem);
}

.info-card,
.question-card {
  padding: clamp(22px, 2.4vw, 32px);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  box-shadow: var(--shadow-soft);
}

.info-card h3,
.question-card h3 {
  margin-bottom: 12px;
}

.info-card p,
.question-card p {
  margin: 0 0 4px;
  color: #33465f;
}

.callout {
  padding: 30px;
  color: var(--white);
  background: var(--navy);
  border-radius: var(--radius);
  border-left: 3px solid var(--gold);
}

.callout h3 {
  color: var(--white);
}

.callout p {
  margin: 12px 0 20px;
  color: rgba(255, 255, 255, 0.8);
}

/* ---------- question grid (services page) ---------- */

.question-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

/* ---------- form ---------- */

.form-card {
  padding: clamp(24px, 4vw, 38px);
  background: var(--white);
  border: 1px solid var(--line);
  border-top: 3px solid var(--gold);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.field {
  display: grid;
  gap: 7px;
}

.field.full {
  grid-column: 1 / -1;
}

label {
  font-family: var(--font-mono);
  color: var(--navy);
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

input,
select,
textarea {
  width: 100%;
  border: 1px solid var(--line-strong);
  border-radius: var(--radius);
  padding: 12px 14px;
  color: var(--navy);
  background: var(--paper);
  font: inherit;
  font-family: var(--font-body);
  transition: border-color 150ms ease, box-shadow 150ms ease;
}

input:focus,
select:focus,
textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(212, 160, 23, 0.15);
}

textarea {
  min-height: 138px;
  resize: vertical;
}

.form-status {
  min-height: 24px;
  color: var(--gold-deep);
  font-weight: 500;
}

/* ---------- article ---------- */

.article-card {
  padding: 0;
  background: transparent;
  border: 0;
  box-shadow: none;
}

.article-card h2,
.article-card h3 {
  margin: 0;
}

.article-card > h2 {
  max-width: 20ch;
  font-size: clamp(1.9rem, 3.6vw, 3rem);
}

.article-lede {
  max-width: 62ch;
  margin: 18px 0 30px;
  color: #33465f;
  font-size: clamp(1.02rem, 1.4vw, 1.2rem);
}

.article-sections {
  display: grid;
  gap: 12px;
}

.article-step {
  display: grid;
  grid-template-columns: 56px minmax(0, 1fr);
  gap: 22px;
  padding: clamp(20px, 2.6vw, 30px);
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
}

.step-number {
  display: inline-flex;
  align-items: baseline;
  color: var(--gold-deep);
  font-family: var(--font-mono);
  font-size: 1.3rem;
  font-weight: 500;
}

.article-step h3 {
  font-size: clamp(1.22rem, 1.8vw, 1.7rem);
  line-height: 1.15;
}

.article-step p {
  margin: 10px 0 0;
  color: #33465f;
}

.resource-cta {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 22px;
  align-items: center;
  margin-top: 16px;
  padding: clamp(22px, 3vw, 34px);
  color: var(--white);
  background: var(--navy);
  border-radius: var(--radius);
  border-left: 3px solid var(--gold);
}

.resource-cta h3,
.resource-cta p {
  color: var(--white);
}

.resource-cta p {
  margin: 8px 0 0;
  color: rgba(255, 255, 255, 0.78);
}

/* Secondary buttons on any navy card were navy-on-navy = invisible ghost boxes.
   Gold fill = strong, on-brand, unmistakable. Covers .resource-cta AND .callout
   (service-page CTA) so no dark card hides its button. */
.resource-cta .button.secondary,
.callout .button.secondary {
  color: var(--navy);
  background: var(--gold);
  border-color: var(--gold);
}

.resource-cta .button.secondary:hover,
.callout .button.secondary:hover {
  color: var(--navy);
  background: var(--gold-deep);
  border-color: var(--gold-deep);
}

/* ---------- footer ---------- */

.site-footer {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 26px;
  padding: 44px clamp(20px, 8vw, 132px);
  color: rgba(255, 255, 255, 0.76);
  background: var(--navy);
  border-top: 3px solid var(--gold);
}

.footer-brand {
  display: flex;
  align-items: center;
  gap: 12px;
}

.footer-mark {
  display: grid;
  width: 40px;
  height: 40px;
  place-items: center;
  border: 1px solid var(--gold);
  color: var(--gold);
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-weight: 600;
  line-height: 1;
}

.site-footer strong {
  font-family: var(--font-display);
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--white);
}

.site-footer p {
  margin: 3px 0 0;
  font-size: 0.86rem;
}

.site-footer a {
  color: rgba(255, 255, 255, 0.9);
  text-decoration: underline;
  text-decoration-color: rgba(212, 160, 23, 0.5);
  text-underline-offset: 3px;
  transition: color 150ms ease;
}

.site-footer a:hover {
  color: var(--gold);
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  justify-content: flex-end;
  align-items: flex-start;
  font-size: 0.86rem;
  font-weight: 500;
}

.fine-print {
  grid-column: 1 / -1;
  max-width: 980px;
  margin: 6px 0 0;
  padding-top: 20px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  font-size: 0.82rem;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.74);
}

/* ---------- responsive ---------- */

@media (max-width: 1040px) {
  .site-header {
    align-items: center;
  }

  .nav-toggle {
    display: block;
  }

  .site-nav {
    position: absolute;
    top: 74px;
    right: 20px;
    left: 20px;
    display: none;
    flex-direction: column;
    align-items: stretch;
    padding: 16px;
    background: var(--white);
    border: 1px solid var(--line-strong);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
  }

  .site-nav a:not(.nav-cta) {
    display: flex;
    align-items: center;
    min-height: 46px;
    padding: 8px 4px;
    border-bottom: 1px solid var(--line);
  }

  .site-nav.is-open {
    display: flex;
  }

  .nav-cta {
    width: 100%;
    margin-top: 8px;
  }

  .hero,
  .split,
  .feature-row,
  .two-column-cta,
  .detail-layout,
  .article-layout,
  .founder {
    grid-template-columns: 1fr;
  }

  .detail-nav {
    position: static;
  }

  .question-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .resource-cta {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 720px) {
  .site-header {
    padding: 12px 16px;
  }

  .brand {
    min-width: 0;
  }

  .brand small {
    display: none;
  }

  .hero,
  .section {
    padding-right: 18px;
    padding-left: 18px;
  }

  /* mobile: no video autoplay, poster carries the hero (scrim stays via ::before) */
  .hero-video {
    display: none;
  }

  .hero-home {
    min-height: 0;
    background-image: url("/taskchad-financial-insurance/assets/hero-poster.webp");
    background-size: cover;
    background-position: center;
  }

  .hero-media img {
    height: auto;
  }

  .profile-card {
    position: relative;
    right: auto;
    bottom: auto;
    width: 100%;
    margin-top: 14px;
  }

  .vignette {
    grid-template-columns: auto 1fr;
    gap: 16px;
  }

  .vignette-arrow {
    display: none;
  }

  .contact-strip,
  .question-grid,
  .form-grid {
    grid-template-columns: 1fr;
  }

  .field.full {
    grid-column: auto;
  }

  .site-footer {
    grid-template-columns: 1fr;
  }

  .footer-links {
    justify-content: flex-start;
    gap: 6px 18px;
  }

  /* comfortable touch targets on phones (desktop keeps its tighter sizing) */
  .footer-links a {
    display: inline-flex;
    align-items: center;
    min-height: 44px;
  }

  .readiness-toggle button {
    min-height: 44px;
  }

  .contact-strip dd a {
    display: inline-block;
    padding: 4px 0;
  }

  .article-step {
    grid-template-columns: 1fr;
    gap: 12px;
  }

  .resource-cta {
    grid-template-columns: 1fr;
  }
}

/* ===== Daniel concierge chat widget (.exp-chat-*) =====
   Private-bank stationery treatment in the house system: navy surfaces with
   the footer's 3px gold rule, Fraunces for the monogram and name, JetBrains
   Mono micro-caps for eyebrows and labels (mirrors .section-label), 4px
   radius discipline, thin gold ornament rules. */

.exp-chat-launch {
  position: fixed;
  right: 22px;
  bottom: 22px;
  z-index: 90;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  min-height: 50px;
  padding: 0 22px 0 18px;
  border: 1px solid rgba(212, 160, 23, 0.5);
  border-radius: var(--radius);
  background:
    radial-gradient(circle at top right, rgba(212, 160, 23, 0.18), transparent 62%),
    var(--navy);
  color: var(--paper);
  font-family: var(--font-mono);
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  cursor: pointer;
  box-shadow:
    inset 0 0 0 3px var(--navy),
    inset 0 0 0 4px rgba(212, 160, 23, 0.38),
    0 18px 44px rgba(13, 32, 56, 0.3);
  transition: transform 160ms ease, border-color 160ms ease;
}

.exp-chat-launch:hover {
  transform: translateY(-1px);
  border-color: rgba(212, 160, 23, 0.85);
}

.exp-chat-bell {
  width: 17px;
  height: 17px;
  flex-shrink: 0;
  fill: none;
  stroke: var(--gold);
  stroke-width: 1.5;
  stroke-linecap: round;
}

.exp-chat-bell circle {
  fill: var(--gold);
  stroke: none;
}

.exp-chat-panel {
  position: fixed;
  right: 22px;
  bottom: 92px;
  z-index: 91;
  display: flex;
  flex-direction: column;
  width: min(400px, calc(100vw - 32px));
  max-height: min(660px, calc(100vh - 128px));
  overflow: hidden;
  background: var(--paper);
  border: 1px solid var(--line);
  border-top: 3px solid var(--gold);
  border-radius: var(--radius);
  box-shadow: 0 30px 80px rgba(13, 32, 56, 0.3);
  animation: exp-chat-rise 240ms cubic-bezier(0.2, 0.7, 0.3, 1);
}

.exp-chat-panel[hidden] {
  display: none;
}

@keyframes exp-chat-rise {
  from {
    opacity: 0;
    transform: translateY(10px);
  }
  to {
    opacity: 1;
    transform: none;
  }
}

.exp-chat-head {
  display: flex;
  align-items: center;
  gap: 13px;
  padding: 15px 18px;
  background:
    radial-gradient(circle at top right, rgba(212, 160, 23, 0.15), transparent 58%),
    var(--navy);
  color: var(--white);
  border-bottom: 1px solid rgba(212, 160, 23, 0.32);
}

.exp-chat-avatar {
  display: grid;
  place-items: center;
  width: 40px;
  height: 40px;
  flex-shrink: 0;
  border: 1px solid var(--gold);
  color: var(--gold);
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 1.15rem;
}

.exp-chat-id {
  display: flex;
  flex-direction: column;
  gap: 3px;
  min-width: 0;
  flex: 1;
}

.exp-chat-eyebrow {
  font-family: var(--font-mono);
  font-size: 0.58rem;
  font-weight: 500;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
}

.exp-chat-titlerow {
  display: flex;
  align-items: baseline;
  gap: 8px;
}

.exp-chat-title {
  font-family: var(--font-display);
  font-size: 1.05rem;
  font-weight: 500;
  letter-spacing: 0.01em;
}

.exp-chat-subtitle {
  font-size: 0.74rem;
  color: rgba(250, 248, 242, 0.62);
}

.exp-chat-controls {
  display: flex;
  align-items: center;
  gap: 10px;
}

.exp-chat-lang {
  display: inline-flex;
  align-items: center;
}

.exp-chat-lang-btn {
  padding: 4px 8px;
  border: 0;
  border-bottom: 1px solid transparent;
  background: transparent;
  color: rgba(250, 248, 242, 0.45);
  font-family: var(--font-mono);
  font-size: 0.64rem;
  font-weight: 500;
  letter-spacing: 0.14em;
  cursor: pointer;
}

.exp-chat-lang-btn + .exp-chat-lang-btn {
  border-left: 1px solid rgba(250, 248, 242, 0.18);
}

.exp-chat-lang-btn.is-active {
  color: var(--gold);
  border-bottom-color: rgba(212, 160, 23, 0.7);
}

.exp-chat-close {
  width: 32px;
  height: 32px;
  border: 0;
  background: transparent;
  color: rgba(250, 248, 242, 0.66);
  font-size: 20px;
  line-height: 1;
  cursor: pointer;
}

.exp-chat-close:hover {
  color: var(--gold);
}

.exp-chat-body {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 7px;
  min-height: 280px;
  padding: 16px 18px 20px;
  overflow-y: auto;
  background: var(--paper);
  scrollbar-width: thin;
  scrollbar-color: var(--line) transparent;
}

.exp-chat-ornament {
  display: flex;
  align-items: center;
  gap: 12px;
  margin: 2px 6px 8px;
}

.exp-chat-ornament::before,
.exp-chat-ornament::after {
  content: "";
  flex: 1;
  height: 1px;
  background: var(--line);
}

.exp-chat-ornament-gem {
  width: 5px;
  height: 5px;
  background: var(--gold);
  transform: rotate(45deg);
  opacity: 0.85;
}

.exp-chat-msglabel {
  margin: 8px 2px 0;
  font-family: var(--font-mono);
  font-size: 0.56rem;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-transform: uppercase;
}

.exp-chat-msglabel--bot {
  align-self: flex-start;
  color: var(--gold-deep);
}

.exp-chat-msglabel--user {
  align-self: flex-end;
  color: var(--muted);
}

.exp-chat-msg {
  max-width: 88%;
  padding: 11px 14px;
  border-radius: var(--radius);
  font-size: 0.885rem;
  line-height: 1.55;
  white-space: pre-wrap;
  overflow-wrap: break-word;
}

.exp-chat-msg--bot {
  align-self: flex-start;
  color: #22364f;
  background: var(--white);
  border: 1px solid var(--line);
  border-left: 2px solid var(--gold);
  box-shadow: var(--shadow-soft);
}

.exp-chat-msg--user {
  align-self: flex-end;
  color: rgba(255, 255, 255, 0.95);
  background: var(--navy);
}

.exp-chat-msg--error {
  align-self: flex-start;
  color: var(--ink);
  background: var(--gold-soft);
  border: 1px solid rgba(184, 137, 26, 0.5);
}

.exp-chat-typing {
  align-self: flex-start;
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 13px 16px;
  background: var(--white);
  border: 1px solid var(--line);
  border-left: 2px solid var(--gold);
  border-radius: var(--radius);
}

.exp-chat-typing-dot {
  width: 5px;
  height: 5px;
  background: var(--gold);
  transform: rotate(45deg);
  opacity: 0.25;
  animation: exp-chat-compose 1.3s ease-in-out infinite;
}

.exp-chat-typing-dot:nth-child(2) {
  animation-delay: 0.18s;
}

.exp-chat-typing-dot:nth-child(3) {
  animation-delay: 0.36s;
}

@keyframes exp-chat-compose {
  0%,
  55%,
  100% {
    opacity: 0.25;
  }
  25% {
    opacity: 1;
  }
}

.exp-chat-cta {
  align-self: center;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  margin: 10px 0 2px;
  padding: 0 22px;
  border-radius: var(--radius);
  background: var(--gold);
  color: var(--navy);
  font-size: 0.9rem;
  font-weight: 600;
  text-align: center;
  box-shadow: 0 14px 30px rgba(212, 160, 23, 0.35);
  transition: transform 160ms ease;
}

.exp-chat-cta:hover {
  transform: translateY(-1px);
}

.exp-chat-foot {
  padding: 14px 18px 12px;
  background: var(--white);
  border-top: 1px solid var(--line);
}

.exp-chat-inputrow {
  display: flex;
  align-items: flex-end;
  gap: 10px;
}

.exp-chat-input {
  flex: 1;
  min-height: 44px;
  max-height: 96px;
  padding: 11px 13px;
  resize: none;
  border: 1px solid var(--line-strong);
  border-radius: var(--radius);
  background: var(--paper);
  color: var(--navy);
  font: inherit;
  font-family: var(--font-body);
  font-size: 0.885rem;
  line-height: 1.45;
}

.exp-chat-input:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(212, 160, 23, 0.15);
}

.exp-chat-send {
  min-height: 44px;
  padding: 0 20px;
  border: 0;
  border-radius: var(--radius);
  background: var(--navy);
  color: var(--white);
  font-family: var(--font-body);
  font-size: 0.85rem;
  font-weight: 600;
  cursor: pointer;
  transition: transform 160ms ease, background 160ms ease;
}

.exp-chat-send:hover:not(:disabled) {
  background: var(--navy-2);
  transform: translateY(-1px);
}

.exp-chat-send:disabled {
  opacity: 0.55;
  cursor: default;
}

.exp-chat-disclaimer {
  margin: 10px 0 0;
  font-family: var(--font-mono);
  font-size: 0.56rem;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  text-align: center;
  color: var(--muted);
}

.exp-chat-launch:focus-visible,
.exp-chat-send:focus-visible,
.exp-chat-close:focus-visible,
.exp-chat-lang-btn:focus-visible,
.exp-chat-cta:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 2px;
}

@media (max-width: 720px) {
  .exp-chat-panel {
    right: 16px;
    left: 16px;
    bottom: 84px;
    width: auto;
    max-height: calc(100vh - 108px);
  }

  .exp-chat-launch {
    right: 16px;
    bottom: 16px;
  }

  .exp-chat-input {
    font-size: 16px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .exp-chat-panel {
    animation: none;
  }

  .exp-chat-typing-dot {
    animation: none;
    opacity: 0.8;
  }

  .exp-chat-launch,
  .exp-chat-send,
  .exp-chat-cta {
    transition: none;
  }
}