/* Operating Data Advisors. Careful, plain-spoken, on the owner's side. */
:root {
  --paper: #FAFAF7;
  --white: #FFFFFF;
  --ink: #1B1F1D;
  --ledger: #1F4D3A;
  --ledger-dark: #163A2B;
  --tint: #E8EFEA;
  --brass: #A97C2F;
  --muted: #59625D;
  --rule: #DCDFD9;
  --warn: #7A2E21;
  --wrap: 1160px;
  --serif: "Source Serif 4", Georgia, serif;
  --sans: "Public Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before { transition: none !important; animation: none !important; } }
body { margin: 0; background: var(--paper); color: var(--ink); font: 400 17.5px/1.65 var(--sans); }
img, svg { display: block; max-width: 100%; }
a { color: var(--ledger); text-underline-offset: 3px; text-decoration-thickness: 1px; }
a:hover { color: var(--ledger-dark); }
:focus-visible { outline: 3px solid var(--brass); outline-offset: 2px; border-radius: 2px; }
.wrap { max-width: var(--wrap); margin: 0 auto; padding-left: 24px; padding-right: 24px; }
.narrow { max-width: 760px; }
h1, h2, h3 { font-family: var(--serif); font-weight: 600; line-height: 1.14; margin: 0; letter-spacing: -0.012em; color: var(--ink); }
h1 { font-size: clamp(2.25rem, 4.6vw, 3.55rem); }
h2 { font-size: clamp(1.7rem, 3vw, 2.35rem); max-width: 26ch; }
h3 { font-size: 1.22rem; line-height: 1.3; }
p { margin: 0 0 1em; max-width: 68ch; }
.muted { color: var(--muted); }
.lead-in { margin-top: 16px; }
.answer-line { font-size: 1.08rem; color: var(--ink); margin-top: 16px; max-width: 62ch; }
.skip { position: absolute; left: -10000px; }
.skip:focus { left: 16px; top: 8px; background: var(--white); padding: 8px 12px; z-index: 10; }
.ph { background: #F6EEDC; border: 1px dashed var(--brass); border-radius: 3px; padding: 0 5px; font-weight: 600; font-size: .92em; }
.hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }

/* Header */
header.site { background: var(--white); border-bottom: 1px solid var(--rule); }
header.site .wrap { display: flex; align-items: center; justify-content: space-between; min-height: 72px; gap: 20px; }
.logo { display: flex; align-items: center; gap: 11px; text-decoration: none; color: var(--ink); }
.logo-mark { width: 30px; height: 30px; flex: none; }
.logo-word { font-family: var(--serif); font-weight: 600; font-size: 1.16rem; line-height: 1.05; }
nav.site { display: flex; align-items: center; gap: 24px; }
nav.site a { color: var(--ink); text-decoration: none; font-weight: 500; font-size: 15px; }
nav.site a:hover { color: var(--ledger); }
nav.site a.cta { white-space: nowrap; color: var(--white); background: var(--ledger); padding: 10px 16px; border-radius: 6px; }
nav.site a.cta:hover { background: var(--ledger-dark); color: var(--white); }
@media (max-width: 900px) { nav.site .hide-sm { display: none; } }
@media (max-width: 420px) { .logo-word { font-size: 1rem; } nav.site a.cta { padding: 9px 12px; font-size: 14px; } }

.btn { display: inline-block; font: 600 16px/1 var(--sans); padding: 15px 22px; border-radius: 6px; border: 2px solid var(--ledger); text-decoration: none; cursor: pointer; max-width: 100%; }
.btn-primary { background: var(--ledger); color: var(--white); }
.btn-primary:hover { background: var(--ledger-dark); border-color: var(--ledger-dark); color: var(--white); }
.btn-primary:disabled { opacity: .6; cursor: default; }
.btn-ghost { background: transparent; color: var(--ledger); }
.paid-note { font-size: 14px; color: var(--muted); margin: 12px 0 0; }

section { padding: 88px 0; }
section.band { background: var(--white); border-top: 1px solid var(--rule); border-bottom: 1px solid var(--rule); }
.split { display: grid; grid-template-columns: 5fr 7fr; gap: 64px; align-items: start; }
.split > * { min-width: 0; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; gap: 28px; } section { padding: 64px 0; } }

/* Hero */
.hero { padding: 64px 0 80px; }
.hero-grid { display: grid; grid-template-columns: 11fr 10fr; gap: 64px; align-items: start; }
.hero-grid > * { min-width: 0; }
.hero h1 { max-width: 15ch; }
.hero .lede { font-size: 1.2rem; color: var(--muted); margin-top: 22px; max-width: 46ch; }
.commitments { list-style: none; padding: 0; margin: 30px 0 0; display: grid; grid-template-columns: 1fr 1fr; gap: 12px 28px; max-width: 520px; }
.commitments li { padding-left: 28px; position: relative; font-weight: 500; }
.commitments li::before { content: ""; position: absolute; left: 2px; top: 7px; width: 13px; height: 7px; border-left: 2.5px solid var(--ledger); border-bottom: 2.5px solid var(--ledger); transform: rotate(-45deg); }
@media (max-width: 1000px) { .hero-grid { grid-template-columns: 1fr; gap: 44px; } .hero h1 { max-width: 20ch; } }
@media (max-width: 480px) { .commitments { grid-template-columns: 1fr; } }

/* Qualifier: the signature element, an intake form, not an ad */
.check { background: var(--white); border: 1px solid var(--rule); border-radius: 10px; padding: 28px 28px 24px; box-shadow: 0 1px 0 var(--rule), 0 24px 48px -36px rgba(31, 77, 58, .45); position: relative; }
.check::before { content: ""; position: absolute; left: 28px; right: 28px; top: -1px; height: 4px; background: var(--ledger); border-radius: 0 0 3px 3px; }
.check-head { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; }
.check-head h2 { font-size: 1.4rem; max-width: none; }
.progress { font-size: 14px; color: var(--muted); white-space: nowrap; font-variant-numeric: tabular-nums; }
.check-sub { font-size: 14.5px; color: var(--muted); margin: 6px 0 0; }
.bar { height: 4px; background: var(--tint); border-radius: 2px; margin: 16px 0 22px; overflow: hidden; }
.bar span { display: block; height: 100%; width: 100%; background: var(--ledger); transform: scaleX(.2); transform-origin: left; transition: transform .35s cubic-bezier(.16,1,.3,1); }
.q { display: none; }
.q.on { display: block; }
.q legend, .q .label { font-weight: 600; font-size: 16.5px; margin-bottom: 12px; padding: 0; display: block; }
.q fieldset { border: 0; margin: 0; padding: 0; min-width: 0; }
.opts { display: grid; gap: 8px; }
.opts.two { grid-template-columns: 1fr 1fr; }
@media (max-width: 440px) { .opts.two { grid-template-columns: 1fr; } }
.opt { display: flex; align-items: center; gap: 11px; border: 1px solid var(--rule); border-radius: 7px; padding: 13px 14px; cursor: pointer; font-size: 15.5px; background: var(--white); min-height: 50px; transition: border-color .15s, background .15s; }
.opt:hover { border-color: var(--ledger); }
.opt input { accent-color: var(--ledger); width: 18px; height: 18px; margin: 0; flex: none; }
.opt:has(input:checked) { border-color: var(--ledger); background: var(--tint); }
.q input[type=number], .q input[type=text], .q input[type=email], .q input[type=tel], .q select { width: 100%; font: 400 16px var(--sans); padding: 13px 12px; border: 1px solid #858F89; border-radius: 7px; color: var(--ink); background: var(--white); }
.q-nav { display: flex; justify-content: space-between; align-items: center; margin-top: 20px; gap: 12px; }
.q-nav .back { background: none; border: 0; color: var(--muted); font: 500 15px var(--sans); cursor: pointer; padding: 8px 0; }
.q-nav .back[hidden] { visibility: hidden; display: inline; }
.hint { font-size: 14px; color: var(--muted); margin: 10px 0 0; }
.result { border-radius: 8px; padding: 16px 18px; margin-bottom: 18px; }
.result b { display: block; font-family: var(--serif); font-size: 1.2rem; margin-bottom: 4px; }
.result.good { background: var(--tint); border-left: 4px solid var(--ledger); }
.result.maybe { background: #F6EEDC; border-left: 4px solid var(--brass); }
.result.not { background: #F1F2EF; border-left: 4px solid var(--muted); }
.fields { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.fields .full { grid-column: 1 / -1; }
.fields label { display: block; font-size: 14px; font-weight: 600; margin-bottom: 5px; }
@media (max-width: 440px) { .fields { grid-template-columns: 1fr; } }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: 13px; color: var(--muted); line-height: 1.5; }
.consent input { margin-top: 3px; flex: none; accent-color: var(--ledger); }
.ts { margin: 14px 0 0; }
.err { color: var(--warn); min-height: 1.2em; margin: 8px 0 0; font-size: 14px; }
.ok-note { color: var(--ledger); }
.check > h2 { font-size: 1.5rem; margin-bottom: 10px; }
.check > a.btn { margin: 6px 0 14px; }

/* Allowed? by profession */
.prof { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0 56px; margin-top: 40px; }
.prof article { border-top: 1px solid var(--ink); padding: 20px 0 26px; }
.prof h3 { margin-bottom: 8px; }
.prof p { margin: 0 0 10px; color: var(--muted); }
.prof .ask { color: var(--ink); font-size: 15.5px; }
.prof .ask b { color: var(--ledger); }
@media (max-width: 800px) { .prof { grid-template-columns: 1fr; } }

/* In and out */
.inout { display: grid; grid-template-columns: 1fr 1fr; border: 1px solid var(--rule); border-radius: 10px; background: var(--white); margin-top: 36px; }
.inout > div { padding: 30px; }
.inout > div + div { border-left: 1px solid var(--rule); }
.inout ul { margin: 14px 0 0; padding-left: 20px; }
.inout li { margin-bottom: 8px; }
.inout .out h3 { color: var(--warn); }
@media (max-width: 760px) { .inout { grid-template-columns: 1fr; } .inout > div + div { border-left: 0; border-top: 1px solid var(--rule); } }

/* Steps: a real sequence, so numbered */
.steps { list-style: none; margin: 0; padding: 0; counter-reset: s; }
.steps li { counter-increment: s; display: grid; grid-template-columns: 56px 1fr auto; gap: 18px; padding: 22px 0; border-bottom: 1px solid var(--rule); align-items: baseline; }
.steps li:first-child { border-top: 1px solid var(--rule); }
.steps li::before { content: counter(s); font-family: var(--serif); font-size: 2rem; font-weight: 600; color: var(--ledger); line-height: 1; }
.steps h3 { margin-bottom: 4px; }
.steps p { margin: 0; color: var(--muted); }
.steps .t { font-size: 14px; font-weight: 600; color: var(--ledger); white-space: nowrap; font-variant-numeric: tabular-nums; }
@media (max-width: 640px) { .steps li { grid-template-columns: 40px 1fr; } .steps .t { grid-column: 2; } }

/* Protection summary */
.protect { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0 40px; margin-top: 36px; }
.protect div { border-top: 3px solid var(--ledger); padding-top: 16px; }
.protect h3 { font-size: 1.1rem; margin-bottom: 6px; }
.protect p { color: var(--muted); font-size: 16px; margin: 0; }
@media (max-width: 860px) { .protect { grid-template-columns: 1fr; gap: 22px; } }
.more { margin-top: 28px; font-weight: 600; }

/* Visible FAQ (answer engines read visible text) */
.faqs { columns: 2; column-gap: 56px; }
.faq { break-inside: avoid; padding: 0 0 26px; }
.faq h3 { font-size: 1.12rem; margin-bottom: 6px; }
.faq p { color: var(--muted); margin: 0; }
@media (max-width: 860px) { .faqs { columns: 1; } }

/* People */
.person { display: grid; grid-template-columns: 168px 1fr; gap: 32px; align-items: start; }
.photo { width: 168px; height: 200px; border-radius: 8px; background: var(--tint); border: 1px dashed var(--ledger); display: grid; place-items: center; color: var(--ledger); font-size: 14px; text-align: center; padding: 12px; }
.person .role { color: var(--muted); margin: 6px 0 14px; }
.contact-line { font-weight: 600; }
@media (max-width: 600px) { .person { grid-template-columns: 1fr; } }

/* Guides list */
.guides { list-style: none; padding: 0; margin: 32px 0 0; display: grid; grid-template-columns: repeat(2, 1fr); gap: 0 48px; }
.guides li { border-top: 1px solid var(--rule); padding: 22px 0; }
.guides a { text-decoration: none; color: var(--ink); }
.guides a:hover h3 { color: var(--ledger); text-decoration: underline; }
.guides p { margin: 6px 0 0; color: var(--muted); font-size: 15.5px; }
.guides .meta { font-size: 13px; color: var(--muted); margin-top: 8px; }
@media (max-width: 760px) { .guides { grid-template-columns: 1fr; } }

.closing { background: var(--ledger); color: var(--white); }
.closing h2 { color: var(--white); }
.closing p { color: #D5E2DA; }
.closing .btn { background: var(--white); color: var(--ledger); border-color: var(--white); }
.closing .btn:hover { background: var(--tint); }
.closing .paid-note { color: #C2D3C8; }
.closing a:not(.btn) { color: var(--white); }

footer.site { border-top: 1px solid var(--rule); padding: 44px 0 60px; font-size: 14px; color: var(--muted); background: var(--white); }
footer.site p { max-width: 96ch; }
footer.site a { color: var(--muted); }
footer.site .links a { margin-right: 18px; }

/* Articles and plain pages */
.article { padding: 56px 0 84px; }
.article .wrap { max-width: 780px; }
.crumbs { font-size: 14px; color: var(--muted); margin-bottom: 18px; }
.crumbs a { color: var(--muted); }
.article h1 { font-size: clamp(2.05rem, 4vw, 2.9rem); }
.byline { color: var(--muted); font-size: 15px; margin: 18px 0 34px; padding: 14px 0; border-top: 1px solid var(--rule); border-bottom: 1px solid var(--rule); }
.answer { border: 1px solid var(--rule); border-left: 4px solid var(--ledger); background: var(--white); border-radius: 0 8px 8px 0; padding: 18px 22px; margin: 0 0 34px; }
.answer p { margin: 0; }
.answer .label { display: block; font-weight: 600; font-size: 14px; margin-bottom: 4px; color: var(--ledger); }
.article .body { font-family: var(--serif); font-size: 19.5px; line-height: 1.72; }
.article .body p, .article .body li { max-width: 66ch; }
.article .body h2 { font-size: 1.62rem; margin: 46px 0 14px; }
.article .body h3 { font-size: 1.2rem; margin: 26px 0 8px; }
.article .body ul, .article .body ol { padding-left: 24px; margin: 0 0 1em; }
.article .body li { margin-bottom: 8px; }
.article .body .faq h3 { font-family: var(--serif); }
.callout { border-left: 4px solid var(--brass); background: #F6EEDC; padding: 18px 22px; margin: 28px 0; font-family: var(--sans); font-size: 16px; line-height: 1.6; border-radius: 0 6px 6px 0; }
.callout p:last-child { margin-bottom: 0; }
.article-cta { margin-top: 52px; padding: 28px; background: var(--white); border: 1px solid var(--rule); border-top: 4px solid var(--ledger); border-radius: 8px; font-family: var(--sans); }
.article-cta h2 { margin: 0 0 8px; font-size: 1.45rem; }
.legal h2, .plain h2 { font-size: 1.45rem; margin: 40px 0 10px; }
.plain .body p, .plain .body li { max-width: 68ch; }
.plain ul { padding-left: 22px; }
.plain li { margin-bottom: 8px; }

/* ---------- Audit fixes (Vercel guidelines + Impeccable), 2026-11-06 ---------- */
h1, h2, h3 { text-wrap: balance; }
p, li, dd { text-wrap: pretty; }
p { max-width: 62ch; }
::selection { background: #CFE0D5; color: var(--ink); }
input, select, textarea { caret-color: var(--ledger); accent-color: var(--ledger); }
a, button, label, summary, input, select { touch-action: manipulation; -webkit-tap-highlight-color: rgba(31, 77, 58, .15); }
.steps .t, .progress { font-variant-numeric: tabular-nums; }

/* Calm panels instead of colored side stripes and accent bars on rounded boxes */
.answer { border: 1px solid #CFDDD4; border-radius: 8px; background: var(--tint); }
.callout { border: 1px solid #E5D4AE; border-radius: 8px; }
.result { border: 1px solid transparent; border-left: 0; }
.result.good { border-left: 0; border-color: #CFDDD4; }
.result.maybe { border-left: 0; border-color: #E5D4AE; }
.result.not { border-left: 0; border-color: var(--rule); }
.article-cta { border-top: 1px solid var(--rule); background: var(--tint); border-color: #CFDDD4; }
.closing .paid-note { color: rgba(255, 255, 255, .82); }
.closing :focus-visible { outline-color: #FFFFFF; }

/* Room for the spam check so the button doesn't jump */
.ts { min-height: 65px; }
.ts:empty { min-height: 0; }

/* Tap targets */
.q-nav .back { min-height: 44px; padding: 10px 6px; }
footer.site .links a { display: inline-block; padding: 10px 0; }
.opt { min-height: 50px; }

/* Phone menu */
.menu { display: none; position: relative; }
.menu summary { list-style: none; cursor: pointer; min-height: 44px; display: flex; align-items: center; padding: 0 12px; border: 1px solid var(--rule); border-radius: 6px; font-weight: 600; font-size: 15px; }
.menu summary::-webkit-details-marker { display: none; }
.menu-panel { position: absolute; right: 0; top: calc(100% + 8px); background: var(--white); border: 1px solid var(--rule); border-radius: 8px; padding: 8px; min-width: 240px; box-shadow: 0 12px 28px -12px rgba(27, 31, 29, .28); z-index: 20; display: grid; }
.menu-panel a { display: block; padding: 12px 12px; border-radius: 6px; text-decoration: none; color: var(--ink); font-weight: 500; }
.menu-panel a:hover { background: var(--tint); }
@media (max-width: 900px) { .menu { display: block; } }
@media (max-width: 420px) { nav.site { gap: 10px; } }
.h3 { font-family: var(--serif); font-size: 1.22rem; line-height: 1.3; margin: 0; }
.guides a:hover .h3 { color: var(--ledger); text-decoration: underline; }
p { max-width: 60ch; }
footer.site p { max-width: 74ch; }
footer.site p { max-width: 58ch; }

/* Header: links never wrap; switch to the phone menu before space runs out */
nav.site a { white-space: nowrap; }
@media (max-width: 1080px) { nav.site .hide-sm { display: none; } .menu { display: block; } }
.menu summary::after { content: ""; width: 7px; height: 7px; margin-left: 9px; border-right: 2px solid currentColor; border-bottom: 2px solid currentColor; transform: translateY(-2px) rotate(45deg); transition: transform .2s; }
.menu[open] summary::after { transform: translateY(2px) rotate(-135deg); }
/* Monogram until a headshot is added */
.photo { border: 0; background: var(--ledger); }
.photo .initials { font-family: var(--serif); font-size: 3rem; font-weight: 600; color: #FFFFFF; letter-spacing: .02em; }

/* Share bar and related guides */
.share { display: flex; flex-wrap: wrap; align-items: center; gap: 8px 10px; margin: 40px 0 0; padding-top: 18px; border-top: 1px solid var(--rule); font-family: var(--sans); font-size: 15px; }
.share span { font-weight: 600; margin-right: 4px; }
.share a, .share button { display: inline-flex; align-items: center; min-height: 40px; padding: 0 14px; border: 1px solid var(--rule); border-radius: 999px; background: var(--white); color: var(--ink); text-decoration: none; font: 500 14px var(--sans); cursor: pointer; }
.share a:hover, .share button:hover { border-color: var(--ledger); color: var(--ledger); }
.related { margin-top: 56px; font-family: var(--sans); }
.related h2 { font-size: 1.4rem; margin: 0 0 4px; }
.related .guides { grid-template-columns: 1fr; margin-top: 12px; }
.toc { font-family: var(--sans); font-size: 15.5px; background: var(--white); border: 1px solid var(--rule); border-radius: 8px; padding: 16px 20px; margin: 0 0 34px; }
.toc b { display: block; margin-bottom: 6px; }
.toc ol { margin: 0; padding-left: 20px; }
.toc li { margin-bottom: 4px; }
.reviewed { font-family: var(--sans); font-size: 14.5px; color: var(--muted); }

/* Article tables and source lists */
.article .table-wrap { overflow-x: auto; margin: 18px 0 10px; -webkit-overflow-scrolling: touch; }
table.simple { width: 100%; min-width: 560px; border-collapse: collapse; font-family: var(--sans); font-size: 15px; line-height: 1.45; }
table.simple th, table.simple td { text-align: left; vertical-align: top; padding: 11px 10px; border-bottom: 1px solid var(--rule); }
table.simple th { font-size: 13.5px; color: var(--muted); font-weight: 600; background: var(--white); border-top: 2px solid var(--ink); }
table.simple td:first-child { font-weight: 600; }
.sources-h { font-size: 1.3rem; margin: 44px 0 10px; }
.sources { font-family: var(--sans); font-size: 14.5px; padding-left: 22px; }
.sources li { margin-bottom: 6px; word-break: break-word; }
sup a.fn { display: inline-block; min-width: 22px; text-align: center; text-decoration: none; font-family: var(--sans); font-size: 12px; font-weight: 600; }

.article .body h2, .article h2 { max-width: 32ch; }
.related h2 { max-width: none; }