/* FIRMA Insurance Solutions — production styles. Brand palette + type inlined; no build step. */
:root{
  --navy-900:#0F2A44;--navy-800:#16344f;--navy-700:#3D516E;--navy-600:#4f658a;
  --agave-700:#45573F;--agave-600:#566B5A;--agave-400:#7d9079;
  --gold-600:#a97f33;--gold-500:#C7A15A;--gold-300:#ddc48c;
  --stone-500:#B7B2A6;--ivory-100:#F6F2E8;--ivory-50:#fbf9f3;--white:#fff;--ink:#14202e;
  --text-body:#1e2a37;--text-muted:#556170;--text-on-dark:#F6F2E8;--text-on-dark-muted:#c3cede;
  --border:#e4dfd2;--border-strong:#c9c4b6;--focus:#C7A15A;
  --font-display:'Cinzel','Trajan Pro','Times New Roman',serif;
  --font-body:'Montserrat',system-ui,-apple-system,'Segoe UI',sans-serif;
  --container:1200px;--gutter:clamp(1.15rem,4vw,2.5rem);--section:clamp(3.5rem,8vw,7rem);
  --radius-sm:2px;--radius-md:4px;--radius-lg:8px;
  --shadow-card:0 2px 4px rgba(15,42,68,.05),0 12px 32px rgba(15,42,68,.08);
  --shadow-lg:0 18px 48px rgba(15,42,68,.16);
  --ease:cubic-bezier(.22,.61,.36,1);--dur:240ms;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font-body);font-size:16px;line-height:1.65;color:var(--text-body);background:var(--ivory-100);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;overflow-x:hidden}
img{max-width:100%;display:block}
h1,h2,h3,h4{font-family:var(--font-display);color:var(--navy-900);line-height:1.18;letter-spacing:.03em;font-weight:600;margin:0 0 .5em}
h1{font-size:clamp(2.4rem,5vw,3.4rem);line-height:1.05}
h2{font-size:clamp(1.9rem,3.4vw,2.375rem)}
h3{font-size:clamp(1.4rem,2.4vw,1.75rem)}
h4{font-size:1.375rem}
p{margin:0 0 1em;text-wrap:pretty}
a{color:var(--navy-700);text-decoration:none;transition:color var(--dur) var(--ease)}
a:hover{color:var(--gold-600)}
:focus-visible{outline:3px solid var(--gold-500);outline-offset:2px;border-radius:2px}
.container{max-width:var(--container);margin-inline:auto;padding-inline:var(--gutter)}
.skip{position:absolute;left:-999px;top:0;background:var(--navy-900);color:#fff;padding:12px 18px;z-index:200}
.skip:focus{left:8px;top:8px}
.blueprint{background-image:linear-gradient(rgba(199,161,90,.1) 1px,transparent 1px),linear-gradient(90deg,rgba(199,161,90,.1) 1px,transparent 1px);background-size:40px 40px}
.blueprint-dark{background-image:linear-gradient(rgba(255,255,255,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.05) 1px,transparent 1px);background-size:40px 40px}
.eyebrow{font-family:var(--font-display);font-size:.8125rem;letter-spacing:.22em;text-transform:uppercase;font-weight:600;color:var(--gold-600);display:inline-block}
.eyebrow.light{color:var(--gold-300)}
.eyebrow.agave{color:var(--agave-600)}
.lead{font-size:1.18rem;line-height:1.6;color:var(--text-muted);max-width:640px}
.heritage{font-family:var(--font-display);font-style:italic;color:var(--gold-500)}
.rule{display:inline-flex;align-items:center;gap:10px;color:var(--gold-500)}
.rule::before,.rule::after{content:"";height:1px;width:48px;background:currentColor;opacity:.6}
.rule i{width:7px;height:7px;background:currentColor;transform:rotate(45deg);display:block}
/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.6em;font-family:var(--font-display);font-weight:600;letter-spacing:.14em;text-transform:uppercase;border-radius:var(--radius-sm);cursor:pointer;line-height:1;text-decoration:none;white-space:nowrap;padding:14px 28px;font-size:.8125rem;border:1px solid transparent;transition:background var(--dur) var(--ease),color var(--dur) var(--ease),transform 140ms var(--ease),box-shadow var(--dur) var(--ease)}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--gold-500);color:var(--navy-900);border-color:var(--gold-500)}
.btn-primary:hover{background:var(--gold-600);color:#fff}
.btn-secondary{background:var(--navy-900);color:var(--ivory-100);border-color:var(--navy-900)}
.btn-secondary:hover{background:var(--navy-800);color:#fff}
.btn-outline{background:transparent;color:var(--navy-900);border-color:var(--navy-900)}
.btn-outline:hover{background:var(--navy-900);color:var(--ivory-100)}
.btn-outline-light{background:transparent;color:var(--ivory-100);border-color:rgba(246,242,232,.55)}
.btn-outline-light:hover{background:rgba(246,242,232,.12)}
.btn-lg{padding:17px 34px;font-size:.875rem}
.btn-sm{padding:10px 18px;font-size:.72rem}
/* Header */
.site-header{position:sticky;top:0;z-index:100;background:var(--ivory-100);border-bottom:1px solid var(--border)}
.site-header.on-dark{position:absolute;left:0;right:0;background:transparent;border-bottom:1px solid rgba(246,242,232,.14)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:var(--gutter);padding:16px var(--gutter)}
.brand{display:inline-flex;align-items:center;gap:14px;text-decoration:none}
.brand img{height:56px;width:auto}
.brand .wm{display:flex;flex-direction:column;line-height:1}
.brand .wm b{font-family:var(--font-display);font-size:1.75rem;letter-spacing:.14em;color:var(--navy-900);font-weight:600}
.on-dark .brand .wm b{color:var(--ivory-100)}
.brand .wm span{font-family:var(--font-display);font-size:.56rem;letter-spacing:.3em;color:var(--gold-500);margin-top:3px}
.nav{display:flex;align-items:center;gap:26px}
.nav a.navlink{font-family:var(--font-body);font-size:.8125rem;font-weight:500;letter-spacing:.06em;color:var(--navy-700);padding-bottom:3px;border-bottom:2px solid transparent}
.on-dark .nav a.navlink{color:rgba(246,242,232,.85)}
.nav a.navlink:hover{color:var(--gold-600)}
.on-dark .nav a.navlink:hover{color:var(--gold-300)}
.nav a.navlink[aria-current="page"]{color:var(--gold-600);border-bottom-color:var(--gold-500)}
.on-dark .nav a.navlink[aria-current="page"]{color:var(--gold-300)}
.nav-toggle{display:none;background:none;border:1px solid var(--border-strong);border-radius:var(--radius-sm);padding:9px;cursor:pointer;align-items:center;justify-content:center}
.on-dark .nav-toggle{border-color:rgba(246,242,232,.4)}
.nav-toggle svg{width:22px;height:22px;stroke:var(--navy-900)}
.on-dark .nav-toggle svg{stroke:var(--ivory-100)}
/* Hero */
.hero{position:relative;overflow:hidden;background:linear-gradient(120deg,#0c2338,#0F2A44 55%,#16344f);color:var(--ivory-100)}
.hero .steel{position:absolute;top:0;right:0;width:46%;height:100%;background:linear-gradient(160deg,rgba(61,81,110,.55),rgba(15,42,68,.1));clip-path:polygon(22% 0,100% 0,100% 100%,0 100%);opacity:.7}
.hero .emblem-bg{position:absolute;right:4%;bottom:-6%;height:116%;opacity:.1;mix-blend-mode:luminosity;filter:grayscale(1) contrast(1.1);pointer-events:none}
.hero-inner{position:relative;max-width:var(--container);margin-inline:auto;padding:150px var(--gutter) 104px}
.hero h1{color:var(--ivory-100);max-width:15ch}
.hero p.sub{font-size:1.32rem;line-height:1.55;color:rgba(246,242,232,.86);max-width:620px;margin:0 0 34px}
.hero-cta{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:38px}
.hero-tag{display:inline-flex;align-items:center;gap:14px;padding-top:24px;border-top:1px solid rgba(246,242,232,.16);font-family:var(--font-display);font-size:.92rem;letter-spacing:.05em;color:rgba(246,242,232,.9)}
.hero-tag svg{width:20px;height:20px;stroke:var(--gold-500);flex-shrink:0}
/* Sections */
.section{padding:var(--section) 0}
.section-head{max-width:640px;margin-bottom:48px}
.section-head.center{margin-inline:auto;text-align:center}
.on-dark-sec{background:var(--navy-900);color:var(--ivory-100)}
.on-dark-sec h1,.on-dark-sec h2,.on-dark-sec h3,.on-dark-sec h4{color:var(--ivory-100)}
.alt{background:var(--ivory-50)}
/* Grid + cards */
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{position:relative;background:var(--white);border:1px solid var(--border);border-radius:var(--radius-md);padding:30px;box-shadow:var(--shadow-card);overflow:hidden;height:100%;display:flex;flex-direction:column}
.card.navy{background:var(--navy-800);border-color:rgba(199,161,90,.25);color:var(--text-on-dark)}
.card .top{position:absolute;top:0;left:0;height:3px;width:52px;background:var(--gold-500);transition:width .42s var(--ease)}
.card:hover .top{width:100%}
.card:hover{box-shadow:var(--shadow-lg);transform:translateY(-3px)}
.card{transition:transform var(--dur) var(--ease),box-shadow var(--dur) var(--ease)}
.svc-num{font-family:var(--font-display);font-size:.8125rem;letter-spacing:.2em;color:var(--gold-600)}
.card .icon{width:52px;height:52px;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;flex-shrink:0}
.icon.navy{background:var(--navy-900);color:var(--gold-500)}
.icon.agave{background:var(--agave-600);color:var(--ivory-100)}
.icon.gold{background:var(--gold-500);color:var(--navy-900)}
.icon.stone{background:var(--stone-500);color:var(--navy-900)}
.icon svg{width:24px;height:24px;stroke-width:1.8}
.card h3{margin:16px 0 12px;letter-spacing:.02em}
.card p{color:var(--text-muted);margin:0}
.card.navy p{color:var(--text-on-dark-muted)}
.card .more{margin-top:20px;font-family:var(--font-display);font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-600);display:inline-flex;align-items:center;gap:8px;align-self:flex-start}
.card .more:hover{color:var(--gold-500)}
.feature{display:flex;flex-direction:column;gap:0}
.feature .icon{margin-bottom:18px}
.feature h4{font-size:1.05rem;letter-spacing:.06em;text-transform:uppercase;margin:0 0 10px}
.feature p{font-size:.9rem;line-height:1.6;color:var(--text-muted);margin:0}
.on-dark-sec .feature p{color:var(--text-on-dark-muted)}
/* Advisory / serve rows */
.band{display:flex;align-items:center;justify-content:space-between;gap:28px;flex-wrap:wrap;background:var(--navy-900);border-radius:var(--radius-md);padding:24px 30px;position:relative;overflow:hidden;margin-top:24px}
.band .top{position:absolute;top:0;left:0;height:3px;width:100%;background:var(--gold-500)}
.band h3{color:var(--ivory-100);margin:0 0 4px}
.band p{color:var(--text-on-dark-muted);margin:0;font-size:.9rem}
.serve-item{display:flex;align-items:center;gap:16px;padding:20px;background:rgba(246,242,232,.05);border:1px solid rgba(199,161,90,.22);border-radius:var(--radius-md)}
.serve-item svg{width:26px;height:26px;stroke:var(--gold-500);flex-shrink:0}
.serve-item span{font-family:var(--font-display);font-size:.95rem;letter-spacing:.03em;color:var(--ivory-100);line-height:1.3}
/* Founder */
.founder{display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;align-items:center}
.founder .photo{border-radius:var(--radius-md);overflow:hidden;box-shadow:var(--shadow-lg);aspect-ratio:4/5}
.founder .photo img{width:100%;height:100%;object-fit:cover;object-position:center top}
.founder .role{font-family:var(--font-display);font-size:.9rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-600);margin:0 0 22px}
.founder .stats{display:flex;gap:48px;margin-top:26px;padding-top:24px;border-top:1px solid var(--border)}
.founder .stats b{display:block;font-family:var(--font-display);font-size:2.2rem;color:var(--navy-900);line-height:1}
.founder .stats span{display:block;font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-600);font-weight:600;margin-top:8px}
/* Accordion (services) */
.accordion{border-top:1px solid var(--border)}
.acc-item{border-bottom:1px solid var(--border)}
.acc-head{width:100%;display:flex;align-items:center;gap:22px;padding:26px 4px;background:none;border:none;cursor:pointer;text-align:left;font-family:inherit}
.acc-head .icon{background:var(--navy-900);color:var(--ivory-100)}
.acc-item[open] .acc-head .icon,.acc-head[aria-expanded="true"] .icon{background:var(--gold-500);color:var(--navy-900)}
.acc-title{flex:1;font-family:var(--font-display);font-size:1.375rem;color:var(--navy-900);letter-spacing:.02em}
.acc-chev{stroke:var(--gold-600);width:22px;height:22px;transition:transform var(--dur) var(--ease)}
.acc-head[aria-expanded="true"] .acc-chev{transform:rotate(180deg)}
.acc-body{padding:0 4px 30px 78px;display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.acc-body h4{font-family:var(--font-display);font-size:.7rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-600);margin:0 0 10px}
.acc-body p{font-size:.9rem;line-height:1.65;color:var(--text-body);margin:0}
.acc-body .cta-row{grid-column:1/-1}
/* Readiness list (gc startup) */
.ready-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.ready{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-md);padding:26px;box-shadow:var(--shadow-card)}
.ready .icon{margin-bottom:16px}
.ready h3{font-size:1.15rem;margin:0 0 10px}
.ready p{color:var(--text-muted);margin:0;font-size:.92rem}
/* Forms */
.form-field{display:block;margin-bottom:20px}
.form-field label,.field-label{display:block;margin-bottom:8px;font-size:.875rem;font-weight:600;letter-spacing:.04em;color:var(--navy-900)}
.form-field .req{color:var(--gold-600);margin-left:4px}
.input,.select,.textarea{width:100%;font-family:var(--font-body);font-size:16px;color:var(--text-body);background:var(--white);border:1px solid var(--border-strong);border-radius:var(--radius-sm);padding:13px 15px;line-height:1.4;transition:border-color var(--dur) var(--ease),box-shadow var(--dur) var(--ease)}
.input:focus,.select:focus,.textarea:focus{outline:none;border-color:var(--gold-500);box-shadow:0 0 0 3px rgba(199,161,90,.35)}
.input:invalid:not(:placeholder-shown),.textarea:invalid:not(:placeholder-shown){border-color:#b4472e}
.textarea{resize:vertical;min-height:110px}
.select{appearance:none;background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'><path d='M1 1l5 5 5-5' fill='none' stroke='%230F2A44' stroke-width='1.5'/></svg>");background-repeat:no-repeat;background-position:right 15px center;padding-right:40px;cursor:pointer}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-note{font-size:.8rem;color:var(--text-muted);line-height:1.5}
.form-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-md);box-shadow:var(--shadow-lg);padding:clamp(24px,4vw,38px)}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.82rem;color:var(--text-muted)}
.consent input{margin-top:3px;width:16px;height:16px;flex-shrink:0}
.contact-aside .info{display:flex;gap:16px;align-items:center;background:var(--white);border:1px solid var(--border);border-radius:var(--radius-md);padding:20px;margin-bottom:16px}
.contact-aside .info .icon{width:44px;height:44px}
.contact-aside .info b{font-family:var(--font-display);font-size:.7rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-600);display:block}
.contact-aside .info span{color:var(--navy-900);font-weight:500}
/* Prose (legal) */
.prose{max-width:780px}
.prose h2{margin-top:2em}
.prose h3{margin-top:1.6em;font-size:1.25rem}
.prose p,.prose li{color:var(--text-body);font-size:1rem;line-height:1.7}
.prose ul{padding-left:1.2em}
.prose li{margin-bottom:.5em}
.badge{display:inline-flex;align-items:center;gap:6px;font-size:.6875rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;padding:5px 11px;border-radius:var(--radius-sm);background:rgba(199,161,90,.16);color:var(--gold-600);border:1px solid rgba(199,161,90,.4)}
.badge.light{background:rgba(246,242,232,.12);color:var(--ivory-100);border-color:rgba(246,242,232,.3)}
.notice{background:rgba(199,161,90,.1);border:1px solid rgba(199,161,90,.35);border-radius:var(--radius-md);padding:16px 18px;font-size:.9rem;color:var(--navy-800)}
/* Footer */
.site-footer{background:var(--navy-900);color:var(--ivory-100);padding-top:var(--section)}
.footer-news{display:grid;grid-template-columns:1.2fr 1fr;gap:56px;align-items:center;padding-bottom:56px;border-bottom:1px solid rgba(246,242,232,.14)}
.footer-news h3{color:var(--ivory-100);margin:10px 0 8px}
.footer-news p{color:var(--text-on-dark-muted);font-size:.9rem;margin:0;max-width:440px}
.news-form{display:flex;gap:10px;flex-wrap:wrap}
.news-form input[type=email]{flex:1;min-width:200px;padding:13px 15px;border-radius:var(--radius-sm);border:1px solid rgba(246,242,232,.3);background:rgba(246,242,232,.06);color:var(--ivory-100);font-family:var(--font-body);font-size:16px}
.news-form input::placeholder{color:rgba(246,242,232,.5)}
.footer-cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:48px;padding:56px 0}
.footer-cols h4{font-family:var(--font-display);font-size:.75rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-500);margin:0 0 14px}
.footer-cols a,.footer-cols span.fc{display:block;color:var(--text-on-dark-muted);font-size:.9rem;margin-bottom:10px}
.footer-cols a:hover{color:var(--gold-300)}
.footer-brand p{color:var(--text-on-dark-muted);font-size:.9rem;max-width:300px;margin:12px 0 14px}
.footer-legal{border-top:1px solid rgba(246,242,232,.14);padding:26px 0 var(--section);display:flex;flex-direction:column;gap:12px}
.footer-legal p{color:var(--text-on-dark-muted);font-size:.78rem;margin:0;max-width:820px;line-height:1.6}
.footer-legal .row{display:flex;flex-wrap:wrap;gap:18px;align-items:center;justify-content:space-between}
.footer-legal .links{display:flex;flex-wrap:wrap;gap:18px}
.footer-legal .links a{color:var(--text-on-dark-muted);font-size:.78rem}
.footer-legal .links a:hover{color:var(--gold-300)}
/* Mobile nav panel */
.nav-backdrop{display:none}
@media(max-width:940px){
  .nav-toggle{display:inline-flex}
  .nav{position:fixed;top:0;right:0;height:100dvh;width:min(84vw,340px);background:var(--navy-900);flex-direction:column;align-items:stretch;gap:0;padding:88px 28px 28px;transform:translateX(100%);transition:transform .3s var(--ease);z-index:120;box-shadow:var(--shadow-lg);overflow-y:auto}
  .nav.open{transform:translateX(0)}
  .nav a.navlink{color:var(--ivory-100);font-size:1rem;padding:16px 0;border-bottom:1px solid rgba(246,242,232,.12)}
  .nav a.navlink[aria-current="page"]{color:var(--gold-300)}
  .nav .btn{margin-top:20px}
  .nav-backdrop.show{display:block;position:fixed;inset:0;background:rgba(12,25,40,.5);z-index:110}
  body.nav-open{overflow:hidden}
}
@media(max-width:900px){
  .g4{grid-template-columns:repeat(2,1fr)}
  .founder{grid-template-columns:1fr;gap:32px}
  .founder .photo{max-width:420px}
  .who-cols,.footer-news{grid-template-columns:1fr;gap:32px}
  .acc-body{grid-template-columns:1fr;gap:18px;padding-left:4px}
  .ready-grid{grid-template-columns:repeat(2,1fr)}
  .footer-cols{grid-template-columns:1fr 1fr;gap:32px}
  .contact-grid{grid-template-columns:1fr!important}
}
@media(max-width:640px){
  .g2,.g3,.g4,.ready-grid{grid-template-columns:1fr}
  .hero-inner{padding:130px var(--gutter) 76px}
  .hero-cta .btn{width:100%}
  .founder .stats{gap:28px}
  .band{padding:22px}
  .footer-cols{grid-template-columns:1fr}
  .footer-legal .row{flex-direction:column;align-items:flex-start;gap:10px}
}
@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.001ms!important;transition-duration:.001ms!important;scroll-behavior:auto!important}
  .card:hover{transform:none}
  .btn:hover{transform:none}
}