/* ==========================================================================
   AOL INC LTD — Institutional private-finance design system
   Hand-written stylesheet. No frameworks.
   ========================================================================== */

:root {
    --navy: #0B1F3A;
    --navy-deep: #071426;
    --gold: #D4AF37;
    --paper: #FAFBFC;
    --tint: color-mix(in oklab, #0B1F3A 4%, #FAFBFC);
    --ink: #16233D;
    --muted: #5C6B84;
    --hairline: rgba(11, 31, 58, .12);
    --hairline-dark: rgba(255, 255, 255, .14);
    --serif: 'Playfair Display', Georgia, 'Times New Roman', serif;
    --sans: 'Montserrat', 'Helvetica Neue', Arial, sans-serif;
}

/* ------------------------------------------------------------- reset */

*, *::before, *::after { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; }

body {
    margin: 0;
    background: var(--paper);
    color: var(--ink);
    font-family: var(--sans);
    font-size: 1.0625rem;
    line-height: 1.75;
    -webkit-font-smoothing: antialiased;
}

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

h1, h2, h3, h4 {
    font-family: var(--serif);
    font-weight: 600;
    color: var(--navy);
    line-height: 1.2;
    margin: 0 0 1rem;
}

p { margin: 0 0 1.25rem; }

ul, ol { margin: 0 0 1.25rem; padding-left: 1.4rem; }
li { margin-bottom: .35rem; }

a { color: var(--navy); text-decoration-color: rgba(11, 31, 58, .35); text-underline-offset: 3px; }
a:hover { color: var(--gold); }

strong, b { font-weight: 600; }

::selection { background: rgba(212, 175, 55, .25); }

.skip-link {
    position: absolute;
    left: -9999px;
    top: 0;
    background: var(--navy);
    color: #fff;
    padding: .6rem 1.2rem;
    z-index: 200;
    font-size: .8rem;
}
.skip-link:focus { left: 0; color: #fff; }

/* ------------------------------------------------------------- layout */

.container {
    max-width: 1160px;
    margin-inline: auto;
    padding-inline: clamp(1.25rem, 4vw, 2.5rem);
}

.section { padding-block: clamp(4rem, 8vw, 7rem); }
.section--white { background: #fff; }
.section--tint { background: var(--tint); }

.section-head { max-width: 720px; margin-bottom: clamp(2.5rem, 5vw, 4rem); }
.section-head--center { margin-inline: auto; text-align: center; }

.kicker {
    display: block;
    font-family: var(--sans);
    font-weight: 600;
    font-size: 11px;
    text-transform: uppercase;
    letter-spacing: .28em;
    color: var(--gold);
    margin-bottom: 1.1rem;
}

.section-title { font-size: clamp(1.75rem, 3vw, 2.5rem); letter-spacing: -0.01em; }

.section-intro { color: var(--muted); font-size: 1.0625rem; margin-bottom: 0; }

/* ------------------------------------------------------------- buttons */

.btn {
    display: inline-block;
    font-family: var(--sans);
    font-weight: 600;
    font-size: 12px;
    text-transform: uppercase;
    letter-spacing: .14em;
    padding: .9em 2em;
    border-radius: 2px;
    border: 1px solid transparent;
    cursor: pointer;
    text-decoration: none;
    transition: color 180ms ease, background-color 180ms ease, border-color 180ms ease;
}

.btn-gold { background: var(--gold); color: var(--navy-deep); border-color: var(--gold); }
.btn-gold:hover { background: #e3c359; border-color: #e3c359; color: var(--navy-deep); }

.btn-outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline:hover { border-color: var(--gold); color: var(--navy); }

.btn-ghost {
    background: transparent;
    border-color: transparent;
    color: rgba(255, 255, 255, .8);
    padding-left: 0;
    padding-right: 0;
    border-bottom: 1px solid rgba(255, 255, 255, .3);
    border-radius: 0;
}
.btn-ghost:hover { color: var(--gold); border-bottom-color: var(--gold); }

.btn-block { display: block; width: 100%; text-align: center; }

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

.site-header {
    position: sticky;
    top: 0;
    z-index: 100;
    background: rgba(255, 255, 255, .88);
    -webkit-backdrop-filter: blur(12px);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--hairline);
}

.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1.5rem;
    min-height: 72px;
}

.wordmark {
    display: inline-flex;
    align-items: center;
    gap: .65rem;
    font-weight: 700;
    font-size: .82rem;
    text-transform: uppercase;
    letter-spacing: .22em;
    color: var(--navy);
    text-decoration: none;
    white-space: nowrap;
}
.wordmark:hover { color: var(--navy); }
.wordmark-square { width: 9px; height: 9px; background: var(--gold); flex: none; }

.nav-toggle {
    display: none;
    background: none;
    border: 0;
    padding: .5rem;
    color: var(--navy);
    cursor: pointer;
}
.nav-toggle .icon-close { display: none; }
.nav-toggle[aria-expanded="true"] .icon-open { display: none; }
.nav-toggle[aria-expanded="true"] .icon-close { display: block; }

.nav-list {
    display: flex;
    align-items: center;
    gap: clamp(.8rem, 1.6vw, 1.4rem);
    list-style: none;
    margin: 0;
    padding: 0;
}
.nav-list li { margin: 0; }
.nav-list a {
    font-size: 11px;
    font-weight: 500;
    text-transform: uppercase;
    letter-spacing: .1em;
    line-height: 1.25;
    white-space: nowrap;
    color: var(--ink);
    text-decoration: none;
    transition: color 180ms ease;
}
.nav-list a:hover, .nav-list a.is-active { color: var(--gold); }

@media (max-width: 1024px) {
    .nav-toggle { display: block; }
    .nav-list {
        display: none;
        position: absolute;
        top: 100%;
        left: 0;
        right: 0;
        flex-direction: column;
        align-items: flex-start;
        gap: 0;
        background: #fff;
        border-bottom: 1px solid var(--hairline);
        padding: .75rem clamp(1.25rem, 4vw, 2.5rem) 1.25rem;
        box-shadow: 0 18px 30px -22px rgba(7, 20, 38, .35);
    }
    .nav-list.is-open { display: flex; }
    .nav-list li { width: 100%; }
    .nav-list a {
        display: block;
        padding: .8rem 0;
        border-bottom: 1px solid var(--hairline);
    }
    .nav-list li:last-child a { border-bottom: 0; }
}

/* ------------------------------------------------------------- hero (home) */

.hero {
    display: grid;
    grid-template-columns: 1fr 1fr;
    min-height: clamp(480px, 72vh, 680px);
}

.hero-text {
    background: var(--navy-deep);
    color: #fff;
    display: flex;
    align-items: center;
    padding-block: clamp(3.5rem, 7vw, 6rem);
}
.hero-text-inner {
    max-width: 560px;
    margin-left: auto;
    padding-inline: clamp(1.25rem, 4vw, 2.5rem) clamp(2rem, 5vw, 4.5rem);
    width: 100%;
}

.hero-title {
    color: #fff;
    font-size: clamp(2.5rem, 5vw, 3.9rem);
    letter-spacing: -0.01em;
    margin-bottom: .75rem;
}

.hero-subtitle {
    font-family: var(--serif);
    font-weight: 500;
    font-size: clamp(1.15rem, 2vw, 1.5rem);
    color: var(--gold);
    margin-bottom: 1.5rem;
}

.hero-lead { color: rgba(255, 255, 255, .75); margin-bottom: 2.25rem; }

.hero-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 1.5rem; }

.hero-media {
    position: relative;
    background: var(--tint);
    overflow: hidden;
}
.hero-media img {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
}
.hero-media::after {
    content: "";
    position: absolute;
    inset: 12px;
    border: 1px solid var(--gold);
    pointer-events: none;
}

@media (max-width: 900px) {
    .hero { grid-template-columns: 1fr; min-height: 0; }
    .hero-text-inner { margin-inline: auto; padding-inline: clamp(1.25rem, 4vw, 2.5rem); }
    .hero-media { min-height: 320px; }
}

/* ------------------------------------------------------------- ledger (services) */

.ledger { border-top: 1px solid var(--hairline); }

.ledger-row {
    display: grid;
    grid-template-columns: 64px 1fr auto;
    align-items: center;
    gap: clamp(1rem, 3vw, 2.5rem);
    padding: 1.75rem 0;
    border-bottom: 1px solid var(--hairline);
    text-decoration: none;
    color: var(--ink);
}
.ledger-row:hover { color: var(--ink); }

.ledger-index {
    font-family: var(--serif);
    font-size: 1.5rem;
    font-weight: 500;
    color: var(--gold);
}

.ledger-name {
    font-family: var(--serif);
    font-size: 1.35rem;
    font-weight: 600;
    color: var(--navy);
    display: block;
    margin-bottom: .15rem;
    transition: color 180ms ease;
}
.ledger-row:hover .ledger-name { color: var(--gold); }

.ledger-desc { color: var(--muted); font-size: .95rem; display: block; }

.ledger-arrow {
    font-family: var(--serif);
    font-size: 1.4rem;
    color: var(--navy);
    transition: transform 180ms ease, color 180ms ease;
}
.ledger-row:hover .ledger-arrow { transform: translateX(4px); color: var(--gold); }

@media (max-width: 640px) {
    .ledger-row { grid-template-columns: 44px 1fr auto; gap: 1rem; padding: 1.35rem 0; }
    .ledger-index { font-size: 1.15rem; }
    .ledger-name { font-size: 1.15rem; }
}

/* ------------------------------------------------------------- why band */

.band-navy { background: var(--navy); color: #fff; }
.band-navy .section-title { color: #fff; }

.why-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
}
.why-item {
    padding-inline: clamp(1.25rem, 3vw, 2.75rem);
}
.why-item + .why-item { border-left: 1px solid var(--hairline-dark); }
.why-item:first-child { padding-left: 0; }
.why-item:last-child { padding-right: 0; }
.why-item .kicker { margin-bottom: .7rem; }
.why-statement {
    font-family: var(--serif);
    font-size: 1.2rem;
    font-weight: 500;
    line-height: 1.45;
    margin: 0;
}

@media (max-width: 900px) {
    .why-grid { grid-template-columns: 1fr; }
    .why-item { padding-inline: 0; padding-block: 1.4rem; }
    .why-item + .why-item { border-left: 0; border-top: 1px solid var(--hairline-dark); }
    .why-item:first-child { padding-top: 0; }
    .why-item:last-child { padding-bottom: 0; }
}

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

.cta-band { text-align: center; }
.cta-band .section-title { margin-bottom: 1rem; }
.cta-band p { max-width: 640px; margin: 0 auto 2rem; color: var(--muted); }

/* ------------------------------------------------------------- notice */

.notice {
    border-left: 3px solid var(--gold);
    padding: .25rem 0 .25rem 1.5rem;
    max-width: 760px;
}
.notice-label {
    display: block;
    font-size: 11px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: .22em;
    color: var(--navy);
    font-variant: small-caps;
    margin-bottom: .4rem;
}
.notice p { color: var(--muted); margin: 0; font-size: .98rem; }

/* ------------------------------------------------------------- page head (interior pages) */

.page-head { max-width: 760px; margin-bottom: clamp(3rem, 6vw, 4.5rem); }
.page-head--center { margin-inline: auto; text-align: center; }
.page-title {
    font-size: clamp(2.1rem, 4vw, 3.1rem);
    letter-spacing: -0.01em;
    margin-bottom: 1rem;
}
.page-intro { color: var(--muted); font-size: 1.1rem; margin-bottom: 0; }

.article-body { max-width: 820px; }
.article-body--center { margin-inline: auto; }
.article-body p,
.article-body li {
    text-align: justify;
    -webkit-hyphens: auto;
    hyphens: auto;
}
.article-body ul, .article-body ol { padding-left: 1.25rem; }

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

.article-block { padding-block: clamp(1.75rem, 4vw, 2.75rem); }
.article-block + .article-block { border-top: 1px solid var(--hairline); }
.article-block:first-of-type { padding-top: 0; }

.block-title {
    font-size: 1.35rem;
    margin-bottom: 1rem;
}
.block-title::before {
    content: "";
    display: inline-block;
    width: 22px;
    height: 1px;
    background: var(--gold);
    vertical-align: middle;
    margin-right: .8rem;
    transform: translateY(-3px);
}

/* ------------------------------------------------------------- stepped process (guidelines) */

.steps {
    list-style: none;
    margin: 0 0 1rem;
    padding: 0;
    display: grid;
    grid-template-columns: repeat(6, 1fr);
    counter-reset: step;
}
.steps li {
    position: relative;
    margin: 0;
    padding: 0 .75rem 0 0;
    counter-increment: step;
}
.steps li::before {
    content: counter(step, decimal-leading-zero);
    display: flex;
    align-items: center;
    justify-content: center;
    width: 44px;
    height: 44px;
    border: 1px solid var(--gold);
    border-radius: 50%;
    font-family: var(--serif);
    font-size: .95rem;
    color: var(--gold);
    background: #fff;
    margin-bottom: .9rem;
    position: relative;
    z-index: 1;
}
.steps li.is-critical::before { background: var(--gold); color: var(--navy-deep); }
.steps li::after {
    content: "";
    position: absolute;
    top: 22px;
    left: 44px;
    right: .75rem;
    border-top: 1px solid var(--hairline);
}
.steps li:last-child::after { display: none; }
.steps-label { font-size: .82rem; font-weight: 500; line-height: 1.45; color: var(--navy); display: block; padding-right: .5rem; }

.steps-legend { color: var(--muted); font-size: .88rem; margin-bottom: 3rem; }
.steps-legend strong { color: var(--navy); }

@media (max-width: 900px) {
    .steps { grid-template-columns: 1fr; gap: 0; }
    .steps li { padding: 0 0 1.6rem 64px; min-height: 44px; }
    .steps li::before { position: absolute; left: 0; top: 0; margin: 0; }
    .steps li::after {
        top: 44px;
        left: 21px;
        right: auto;
        bottom: 6px;
        border-top: 0;
        border-left: 1px solid var(--hairline);
    }
}

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

.numbered { border-top: 1px solid var(--hairline); }
.numbered-item {
    display: grid;
    grid-template-columns: 90px 1fr;
    gap: clamp(1.25rem, 3vw, 2.5rem);
    padding-block: clamp(1.75rem, 4vw, 2.75rem);
    border-bottom: 1px solid var(--hairline);
}
.numbered-num {
    font-family: var(--serif);
    font-size: clamp(2rem, 4vw, 2.9rem);
    font-weight: 500;
    color: var(--gold);
    line-height: 1;
}
.numbered-item .block-title::before { display: none; }
.numbered-item .block-title { margin-bottom: .75rem; }
.numbered-item p:last-child, .numbered-item ul:last-child { margin-bottom: 0; }

@media (max-width: 640px) {
    .numbered-item { grid-template-columns: 1fr; gap: .5rem; }
}

/* ------------------------------------------------------------- grace box / panels */

.grace-box {
    background: var(--tint);
    border: 1px solid var(--hairline);
    border-left: 3px solid var(--gold);
    padding: 1.25rem 1.5rem;
    margin: 1.5rem 0 0;
    border-radius: 2px;
}
.grace-box p, .grace-box { margin-bottom: 0; }

/* Fee highlight banner */
.fee-banner {
    display: flex;
    align-items: center;
    gap: clamp(1.5rem, 4vw, 2.75rem);
    flex-wrap: wrap;
    background: var(--navy-deep);
    border-radius: 4px;
    padding: clamp(1.5rem, 4vw, 2.25rem) clamp(1.5rem, 4vw, 2.5rem);
    margin: 2rem 0;
}
.fee-banner-figure {
    font-family: "Playfair Display", Georgia, serif;
    font-weight: 600;
    font-size: clamp(2.75rem, 6vw, 4rem);
    line-height: 1;
    color: var(--gold);
    flex: none;
}
.fee-banner-body { flex: 1 1 260px; }
.fee-banner-body .kicker { margin-bottom: .5rem; }
.fee-banner-body p {
    margin: 0;
    color: rgba(255, 255, 255, .78);
    font-size: .98rem;
    line-height: 1.65;
}
.fee-banner-body strong { color: #fff; }

.panel {
    background: #fff;
    border: 1px solid var(--hairline);
    border-radius: 4px;
    padding: clamp(1.75rem, 4vw, 3rem);
}

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

.clean-list { list-style: none; padding-left: 0; border-top: 1px solid var(--hairline); }
.clean-list li {
    margin: 0;
    padding: .8rem 0 .8rem 1.5rem;
    border-bottom: 1px solid var(--hairline);
    position: relative;
}
.clean-list li::before {
    content: "";
    position: absolute;
    left: 0;
    top: 1.35em;
    width: 8px;
    height: 1px;
    background: var(--gold);
}

/* ------------------------------------------------------------- forms */

.form-panel { scroll-margin-top: 96px; }

.form-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    column-gap: 2rem;
    row-gap: 1.6rem;
}
.form-grid .span-2 { grid-column: 1 / -1; }

@media (max-width: 640px) {
    .form-grid { grid-template-columns: 1fr; }
}

.field label {
    display: block;
    font-size: 11px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: .12em;
    color: var(--muted);
    margin-bottom: .3rem;
}
.field .optional { font-weight: 400; text-transform: none; letter-spacing: .02em; }

.field input,
.field textarea {
    width: 100%;
    background: transparent;
    border: 0;
    border-bottom: 1px solid var(--hairline);
    border-radius: 0;
    padding: .55rem 0;
    font-family: var(--sans);
    font-size: 1rem;
    color: var(--ink);
    transition: border-color 180ms ease, box-shadow 180ms ease;
}
.field textarea { resize: vertical; min-height: 120px; }
.field input:focus,
.field textarea:focus {
    outline: none;
    border-bottom-color: var(--gold);
    box-shadow: 0 1px 0 var(--gold);
}

.form-submit { margin-top: 2rem; }
.cf-turnstile { margin-bottom: 1.25rem; }

/* honeypot — invisible to humans, irresistible to bots */
.hp-field {
    position: absolute;
    left: -9999px;
    top: -9999px;
    width: 1px;
    height: 1px;
    overflow: hidden;
}

.form-status {
    margin-top: 1.5rem;
    padding: 1rem 1.25rem;
    border-radius: 2px;
    font-size: .95rem;
}
.form-status--success {
    border-left: 3px solid var(--gold);
    background: var(--tint);
    color: var(--navy);
}
.form-status--error {
    border-left: 3px solid #B23A3A;
    background: rgba(178, 58, 58, .06);
    color: #7c2a2a;
}

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

.site-footer {
    background: var(--navy-deep);
    color: rgba(255, 255, 255, .65);
    overflow: hidden;
}

.footer-top {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: 1.5rem;
    padding-top: clamp(3rem, 6vw, 4.5rem);
    padding-bottom: clamp(2rem, 4vw, 3rem);
}

.footer-nav { display: flex; flex-wrap: wrap; gap: .4rem 1.6rem; }
.footer-nav a {
    color: rgba(255, 255, 255, .65);
    font-size: 11px;
    font-weight: 500;
    text-transform: uppercase;
    letter-spacing: .14em;
    text-decoration: none;
    transition: color 180ms ease;
}
.footer-nav a:hover { color: var(--gold); }

.footer-mail {
    color: #fff;
    font-size: .9rem;
    letter-spacing: .04em;
    text-decoration-color: rgba(255, 255, 255, .3);
}
.footer-mail:hover { color: var(--gold); }

.footer-rule { display: block; border-top: 1px solid var(--gold); }

.footer-word {
    display: block;
    font-family: var(--serif);
    font-weight: 600;
    font-size: clamp(1.5rem, 3.5vw, 2.25rem);
    letter-spacing: .18em;
    color: rgba(255, 255, 255, .85);
    text-align: center;
    padding: 1.25rem 0 1rem;
    user-select: none;
}

.footer-bottom { padding-bottom: 1.5rem; }
.footer-bottom p { margin: 0; font-size: .8rem; color: rgba(255, 255, 255, .4); text-align: center; }
.footer-bottom a { color: rgba(255, 255, 255, .55); }
.footer-bottom a:hover { color: var(--gold); }

/* ------------------------------------------------------------- cookie bar */

.cookie-bar {
    position: fixed;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 150;
    background: var(--navy);
    color: rgba(255, 255, 255, .85);
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 1.5rem;
    flex-wrap: wrap;
    padding: .9rem clamp(1.25rem, 4vw, 2.5rem);
    border-top: 1px solid var(--hairline-dark);
    font-size: .82rem;
}
.cookie-bar[hidden] { display: none; }
.cookie-bar p { margin: 0; max-width: 760px; }
.cookie-bar a { color: var(--gold); }
.cookie-bar strong { color: #fff; }
.cookie-ok { padding: .6em 1.8em; }

/* ------------------------------------------------------------- utilities */

.mt-section { margin-top: clamp(3rem, 6vw, 4.5rem); }