/* ==========================================================================
   RTS Financial Group, LLC — site stylesheet
   ========================================================================== */

:root{
  --navy:#16324B;
  --navy-deep:#0F2437;
  --ink:#0E1C29;
  --brass:#8C6B32;
  --brass-text:#7A5C29;   /* AA-contrast brass for small text */
  --brass-bright:#B98F44;
  --paper:#FFFFFF;
  --ground:#EDF1F5;
  --ground-2:#E2E8EE;
  --line:#D3DBE3;
  --muted:#54646F;
  --shadow:0 1px 2px rgba(14,28,41,.06),0 12px 32px -18px rgba(14,28,41,.28);
  --shadow-lift:0 2px 4px rgba(14,28,41,.08),0 24px 48px -24px rgba(14,28,41,.35);
  --serif:"Source Serif 4",Georgia,"Times New Roman",serif;
  --sans:"IBM Plex Sans",-apple-system,BlinkMacSystemFont,"Segoe UI",Helvetica,Arial,sans-serif;
  --wrap:1140px;
  --gap:clamp(64px,8vw,104px);
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;
  background:var(--ground);
  color:var(--ink);
  font-family:var(--sans);
  font-size:17px;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:var(--navy);text-underline-offset:3px}
a:hover{color:var(--brass)}
:focus-visible{outline:2px solid var(--brass-bright);outline-offset:3px;border-radius:2px}

h1,h2,h3,h4{font-family:var(--serif);font-weight:600;color:var(--navy-deep);margin:0;text-wrap:balance;letter-spacing:-.01em}
h1{font-size:clamp(2.1rem,1.3rem + 3.4vw,3.5rem);line-height:1.1}
h2{font-size:clamp(1.6rem,1.15rem + 1.9vw,2.4rem);line-height:1.18}
h3{font-size:1.22rem;line-height:1.3}
h4{font-size:1.02rem;line-height:1.35}
p{margin:0}

.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.narrow{max-width:70ch}
/* a .wrap that is also .narrow keeps the site gutter and stays left-aligned:
   the container spans the full grid, its children carry the reading measure */
.wrap.narrow{max-width:var(--wrap)}
.wrap.narrow > *{max-width:70ch}
.stack{display:flex;flex-direction:column}
.stack-sm{gap:12px}.stack-md{gap:20px}.stack-lg{gap:32px}.stack-xl{gap:48px}
.section{padding:var(--gap) 0}
.section--paper{background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section--navy{background:var(--navy-deep);color:#DCE5EC}
.section--navy h2,.section--navy h3{color:#fff}
.section--navy p{color:#BCCBD8}

/* ---- eyebrow / rule -------------------------------------------------- */
.eyebrow{
  font-size:.735rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;
  color:var(--brass-text);display:flex;align-items:center;gap:12px;
}
.eyebrow::before{content:"";width:28px;height:2px;background:var(--brass);flex:none}
.section--paper .eyebrow,.hero .eyebrow{color:var(--brass-text)}
.section--navy .eyebrow{color:var(--brass-bright)}
.section--navy .eyebrow::before{background:var(--brass-bright)}

.lede{font-size:1.12rem;color:var(--muted);max-width:62ch}
.section--navy .lede{color:#B3C3D1}

/* ---- buttons --------------------------------------------------------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  font-family:var(--sans);font-size:.95rem;font-weight:600;letter-spacing:.01em;
  padding:14px 26px;border-radius:2px;border:1.5px solid transparent;
  text-decoration:none;cursor:pointer;transition:background .18s ease,color .18s ease,border-color .18s ease,transform .18s ease;
}
.btn--primary{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn--primary:hover{background:var(--navy-deep);border-color:var(--navy-deep);color:#fff}
.btn--ghost{background:transparent;color:var(--navy);border-color:#7C8896}
.btn--ghost:hover{border-color:var(--navy);color:var(--navy);background:rgba(22,50,75,.04)}
.btn--brass{background:var(--brass-bright);color:#20180A;border-color:var(--brass-bright)}
.btn--brass:hover{background:#CBA057;border-color:#CBA057;color:#20180A}
.btn--onnavy{background:transparent;color:#fff;border-color:rgba(255,255,255,.62)}
.btn--onnavy:hover{background:rgba(255,255,255,.09);color:#fff;border-color:rgba(255,255,255,.6)}
.btn-row{display:flex;flex-wrap:wrap;gap:14px}

/* ---- header ---------------------------------------------------------- */
.topbar{background:var(--navy-deep);color:#B9C8D6;font-size:.8rem;letter-spacing:.02em}
.topbar .wrap{display:flex;flex-wrap:wrap;gap:8px 24px;justify-content:space-between;align-items:center;padding-top:9px;padding-bottom:9px}
.topbar a{color:#DDE7EF;text-decoration:none;font-weight:500}
.topbar a:hover{color:var(--brass-bright)}
.topbar strong{color:#fff;font-weight:600}

.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-top:14px;padding-bottom:14px}
.brand{display:flex;align-items:center;gap:13px;text-decoration:none;color:inherit}
.brand__mark{
  width:42px;height:42px;flex:none;border-radius:2px;background:var(--navy);color:#fff;
  display:grid;place-items:center;font-family:var(--serif);font-weight:700;font-size:1rem;letter-spacing:.02em;
  border-bottom:3px solid var(--brass-bright);
}
.brand__name{font-family:var(--serif);font-weight:600;font-size:1.12rem;color:var(--navy-deep);line-height:1.15;letter-spacing:-.01em}
.brand__sub{font-size:.68rem;letter-spacing:.15em;text-transform:uppercase;color:var(--muted);font-weight:500}

.nav{display:flex;align-items:center;gap:26px}
.nav a{font-size:.93rem;font-weight:500;color:var(--ink);text-decoration:none;padding:4px 0;border-bottom:2px solid transparent}
.nav a:hover{color:var(--navy);border-bottom-color:var(--brass-bright)}
.nav a[aria-current="page"]{color:var(--navy);border-bottom-color:var(--navy)}
.header-cta{display:flex;align-items:center;gap:14px}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:2px;padding:9px 12px;cursor:pointer;color:var(--navy);font:inherit;font-size:.85rem;font-weight:600}

/* ---- hero ------------------------------------------------------------ */
.hero{background:var(--paper);border-bottom:1px solid var(--line);padding:clamp(52px,6vw,84px) 0 clamp(56px,6vw,88px)}
.hero__grid{display:grid;grid-template-columns:1.08fr .92fr;gap:clamp(36px,5vw,72px);align-items:center}
.hero h1{margin-bottom:0}
.hero__badges{display:flex;flex-wrap:wrap;gap:8px 10px}
.badge{
  font-size:.74rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--navy);
  border:1px solid var(--line);background:var(--ground);border-radius:2px;padding:6px 11px;
}

/* placement flow card */
.flowcard{background:var(--navy-deep);border-radius:3px;padding:30px 28px;box-shadow:var(--shadow-lift);border-bottom:4px solid var(--brass)}
.flowcard__title{font-family:var(--sans);font-size:.72rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--brass-bright);margin-bottom:22px}
.flow{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:0}
.flow li{display:grid;grid-template-columns:34px 1fr;gap:16px;padding-bottom:22px;position:relative}
.flow li:last-child{padding-bottom:0}
.flow li::before{
  content:"";position:absolute;left:16px;top:30px;bottom:0;width:1px;background:rgba(185,143,68,.4);
}
.flow li:last-child::before{display:none}
.flow__n{
  width:33px;height:33px;border-radius:50%;border:1px solid rgba(185,143,68,.55);color:var(--brass-bright);
  display:grid;place-items:center;font-size:.8rem;font-weight:600;font-variant-numeric:tabular-nums;background:var(--navy-deep);position:relative;z-index:1;
}
.flow__t{display:block;color:#fff;font-weight:600;font-size:.98rem;line-height:1.4}
.flow__d{display:block;color:#A9BBC9;font-size:.87rem;line-height:1.5;margin-top:4px}

/* ---- cards ----------------------------------------------------------- */
.grid{display:grid;gap:20px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}

.card{
  background:var(--paper);border:1px solid var(--line);border-radius:3px;padding:28px 26px;
  display:flex;flex-direction:column;gap:11px;box-shadow:var(--shadow);
  transition:box-shadow .2s ease,border-color .2s ease,transform .2s ease;
}
.card--link:hover{box-shadow:var(--shadow-lift);border-color:#B9C6D2;transform:translateY(-2px)}
.card h3{color:var(--navy-deep)}
.card p{color:var(--muted);font-size:.96rem}
.card__icon{width:30px;height:30px;color:var(--brass-text);flex:none}
.card__more{margin-top:auto;padding-top:6px;font-size:.86rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--navy);text-decoration:none}
.card__more::after{content:" →"}
.card--flat{box-shadow:none;background:transparent;border:0;padding:0}

/* stat / figure row */
.figures{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:3px;overflow:hidden}
.figure{background:var(--paper);padding:26px 24px;display:flex;flex-direction:column;gap:6px}
.figure__n{font-family:var(--serif);font-size:2.1rem;font-weight:600;color:var(--navy);font-variant-numeric:tabular-nums;line-height:1}
.figure__l{font-size:.88rem;color:var(--muted)}

/* ---- rates table ----------------------------------------------------- */
.tablewrap{overflow-x:auto;border:1px solid var(--line);border-radius:3px;background:var(--paper)}
.tablewrap:focus-visible{outline:2px solid var(--brass-bright);outline-offset:2px}
table{width:100%;border-collapse:collapse;font-size:.96rem;min-width:520px}
th,td{text-align:left;padding:16px 20px;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--ground);font-size:.74rem;letter-spacing:.13em;text-transform:uppercase;color:var(--navy);font-weight:600}
tbody tr:last-child td{border-bottom:0}
td.rate{font-family:var(--serif);font-size:1.5rem;font-weight:600;color:var(--brass-text);font-variant-numeric:tabular-nums;white-space:nowrap;width:1%}

/* ---- quote ----------------------------------------------------------- */
.quote{background:var(--paper);border:1px solid var(--line);border-left:3px solid var(--brass);border-radius:3px;padding:26px 28px;display:flex;flex-direction:column;gap:14px;box-shadow:var(--shadow)}
.quote p{font-family:var(--serif);font-size:1.1rem;line-height:1.55;color:var(--navy-deep)}
.quote cite{font-style:normal;font-size:.85rem;letter-spacing:.09em;text-transform:uppercase;color:var(--muted);font-weight:600}
.stars{color:var(--brass-text);letter-spacing:.18em;font-size:.95rem}

/* ---- FAQ ------------------------------------------------------------- */
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line);background:var(--paper)}
.faq summary{
  list-style:none;cursor:pointer;padding:20px 56px 20px 24px;position:relative;
  font-family:var(--serif);font-size:1.08rem;font-weight:600;color:var(--navy-deep);
}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{
  content:"+";position:absolute;right:24px;top:50%;transform:translateY(-50%);
  font-family:var(--sans);font-size:1.4rem;font-weight:400;color:var(--brass-text);line-height:1;
}
.faq details[open] summary::after{content:"–"}
.faq summary:hover{background:var(--ground)}
.faq .answer{padding:0 24px 22px;color:var(--muted);font-size:.98rem;max-width:75ch}
.faq .answer p + p{margin-top:12px}

/* ---- industries ------------------------------------------------------ */
.chips{display:flex;flex-wrap:wrap;gap:9px}
.chip{background:var(--paper);border:1px solid var(--line);border-radius:2px;padding:8px 13px;font-size:.9rem;color:var(--ink)}
.section--navy .chip{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.16);color:#E1EAF1}

/* ---- contact --------------------------------------------------------- */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,4vw,56px);align-items:start}
.field{display:flex;flex-direction:column;gap:7px}
.field label{font-size:.78rem;font-weight:600;letter-spacing:.11em;text-transform:uppercase;color:var(--navy)}
.field input,.field select,.field textarea{
  font:inherit;font-size:.98rem;color:var(--ink);background:var(--paper);
  border:1px solid #7C8896;border-radius:2px;padding:12px 14px;width:100%;
}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--navy);outline:none;box-shadow:0 0 0 3px rgba(22,50,75,.1)}
.field textarea{min-height:130px;resize:vertical}
.form-note{font-size:.83rem;color:var(--muted)}
.deets{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:18px}
.deets li{display:grid;grid-template-columns:auto 1fr;gap:14px;align-items:start}
.deets .k{font-size:.74rem;letter-spacing:.13em;text-transform:uppercase;color:var(--brass-text);font-weight:600;grid-column:1/-1}
.deets .v{grid-column:1/-1;font-size:1.05rem;color:var(--ink)}
.deets a{font-weight:600;text-decoration:none}
.deets a:hover{text-decoration:underline}

/* ---- CTA band -------------------------------------------------------- */
.band{background:var(--navy);color:#fff;padding:clamp(48px,6vw,72px) 0;border-top:1px solid rgba(255,255,255,.14)}
.band__inner{display:flex;flex-wrap:wrap;gap:28px;align-items:center;justify-content:space-between}
.band h2{color:#fff;max-width:20ch}
.band p{color:#B3C3D1;max-width:46ch;margin-top:10px}

/* ---- footer ---------------------------------------------------------- */
.site-footer{background:var(--ink);color:#94A6B4;font-size:.9rem;padding:56px 0 0}
.site-footer a{color:#C9D6E1;text-decoration:none}
.site-footer a:hover{color:var(--brass-bright)}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;padding-bottom:44px}
.footer-h{font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;color:#fff;font-weight:600;margin-bottom:16px}
.footer-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:10px}
.footer-brand{font-family:var(--serif);font-size:1.15rem;color:#fff;font-weight:600}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding:20px 0;display:flex;flex-wrap:wrap;gap:12px 24px;justify-content:space-between;font-size:.82rem;color:#7C8E9C}

/* ---- responsive ------------------------------------------------------ */
@media (max-width:1060px){
  .hero__grid{grid-template-columns:1fr}
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .grid-3{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .contact-grid{grid-template-columns:1fr}
}
@media (max-width:999px){
  body{font-size:16px}
  .nav{
    display:none;position:absolute;top:100%;left:0;right:0;background:var(--paper);
    border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0;padding:6px 0;
    box-shadow:var(--shadow-lift);
  }
  .nav.open{display:flex}
  .nav a{padding:13px 24px;border-bottom:0;border-left:3px solid transparent}
  .nav a:hover,.nav a[aria-current="page"]{border-left-color:var(--brass-bright);background:var(--ground)}
  .nav-toggle{display:block}
  .site-header .wrap{position:relative}
  .header-cta .btn{display:none}
  .figures{grid-template-columns:1fr}
  .grid-2,.grid-3,.grid-4{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr;gap:32px}
  .topbar .wrap{justify-content:center;text-align:center}
}

@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.001ms !important;transition-duration:.001ms !important;scroll-behavior:auto !important}
}

@media print{
  .site-header,.topbar,.nav-toggle,.band{display:none}
  body{background:#fff}
}

/* ---- skip link ------------------------------------------------------- */
.skip{
  position:absolute;left:-9999px;top:0;z-index:200;
  background:var(--navy);color:#fff;padding:12px 20px;border-radius:0 0 2px 0;
  font-size:.9rem;font-weight:600;text-decoration:none;
}
.skip:focus{left:0}