/* ==========================================================================
   Advisor Group — design system

   A brand that sits beside Equity & General but reads as the modern one.
   Measured off both references on 29 Aug 2026 rather than guessed at:

   practicegroup.co.uk  — full-bleed photography under a deep scrim, white
     Manrope 800 headline at 74px, section headings at 58px, buttons at 10px
     radius, and one signature device: a solid colour block ruled behind the
     key phrase of the headline (background-size 100% 88%).
   soderbergpartners.co.uk — the restraint underneath: very large vertical
     rhythm, hairline rules, small-caps labels, links drawn as text with a
     long arrow, and grounds that alternate flatly with no gradients.

   What Advisor Group takes from Equity & General is the colour, because that
   is what makes it a sibling: E&G's navy #002A5C and E&G's gold #BA8748. The
   gold is the highlight block and the small furniture — never a coloured word
   floating in the middle of a headline, which is what made the first attempt
   look cheap. What it drops is E&G's Playfair serif, which is the single
   thing that dated it.
   ========================================================================== */

:root {
  color-scheme: light;

  /* E&G's own two colours */
  --navy: #002a5c;
  --gold: #ba8748;
  --gold-600: #9a6d33;
  --gold-300: #ddb87e;

  --navy-950: #00142e;
  --navy-900: #001c40;
  --navy-700: #0b3a70;
  --navy-500: #2a659e;
  --navy-200: #b8cbe0;
  --navy-50: #eef3f8;

  --ink: #0d141d;
  --body: #4a5563;
  --muted: #737f8d;
  --faint: #9aa4b0;

  --white: #fff;
  --paper: #f2f4f6;          /* the second ground, from Practice Group */
  --line: #e3e7ec;
  --line-dark: rgba(255, 255, 255, .16);

  --r: 10px;                 /* Practice Group's radius, not a pill and not square */
  --r-sm: 6px;

  --wrap: 1200px;
  --wrap-wide: 1340px;
  --gut: clamp(20px, 4vw, 48px);
  --sec: clamp(72px, 8vw, 128px);
  --nav-h: 76px;

  --font: 'Manrope', -apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;
  --ease: cubic-bezier(.22, .61, .36, 1);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition: none !important; }
}

body {
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.68;
  color: var(--body);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

/* ── type ─────────────────────────────────────────────────────────────── */
h1, h2, h3, h4 { font-family: var(--font); color: var(--navy); font-weight: 800; letter-spacing: -.04em; line-height: 1.06; text-wrap: balance; }
h1 { font-size: clamp(38px, 5.4vw, 74px); }
h2 { font-size: clamp(30px, 4.2vw, 58px); }
h3 { font-size: clamp(20px, 1.8vw, 25px); letter-spacing: -.025em; line-height: 1.2; }
h4 { font-size: 17px; letter-spacing: -.02em; }
p { margin: 0 0 1.1em; }
p:last-child { margin-bottom: 0; }
a { color: var(--navy); text-decoration: none; }
a:hover { text-decoration: underline; text-underline-offset: 3px; }
img { max-width: 100%; display: block; }
strong { color: var(--ink); font-weight: 700; }
:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; }

/* the signature device: a solid block ruled behind the key phrase */
.hl {
  color: #fff; padding: 0 .16em; border-radius: 3px;
  background-image: linear-gradient(var(--gold), var(--gold));
  background-repeat: no-repeat; background-position: 0 100%; background-size: 100% 88%;
  box-decoration-break: clone; -webkit-box-decoration-break: clone;
}
h1 em, h2 em { font-style: normal; color: var(--gold); }
.on-dark h1 em, .on-dark h2 em, .hero h1 em { color: var(--gold-300); }

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 var(--gut); }
.wrap-wide { max-width: var(--wrap-wide); }
.wrap.narrow, .narrow { max-width: 740px; }
.section { padding: var(--sec) 0; }
.section.tight { padding-top: 0; }
.center { text-align: center; }
.cream, .paper { background: var(--paper); }
.pale { background: var(--navy-50); }

.lede { font-size: clamp(17.5px, 1.3vw, 20px); line-height: 1.6; color: var(--body); max-width: 46ch; }
.center .lede, .head.center .lede { margin-left: auto; margin-right: auto; }

/* small-caps label with a short rule, from Söderberg's restraint */
.eyebrow {
  display: inline-flex; align-items: center; gap: 13px;
  font-size: 12.5px; font-weight: 800; letter-spacing: .22em; text-transform: uppercase;
  color: var(--gold-600); margin-bottom: 20px;
}
.eyebrow::before { content: ""; width: 28px; height: 2px; background: var(--gold); flex: none; }
.eyebrow.center { justify-content: center; }
.on-dark .eyebrow, .navy .eyebrow, .cta-band .eyebrow, .hero .eyebrow { color: var(--gold-300); }

.head { max-width: 26ch; margin-bottom: clamp(38px, 4.5vw, 66px); }
.head.center { max-width: 30ch; margin-left: auto; margin-right: auto; text-align: center; }
.head .lede { margin-top: 20px; }

.on-dark, .navy { background: var(--navy); color: rgba(255, 255, 255, .78); }
.on-dark h1, .on-dark h2, .on-dark h3, .navy h2, .navy h3 { color: #fff; }
.on-dark .lede, .navy .lede, .on-dark p, .navy p { color: rgba(255, 255, 255, .76); }
.on-dark a, .navy a { color: #fff; }

/* ── buttons ──────────────────────────────────────────────────────────── */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  font-family: inherit; font-size: 15px; font-weight: 700; letter-spacing: -.01em;
  padding: 15px 26px; border-radius: var(--r); border: 2px solid transparent; cursor: pointer;
  transition: background .15s var(--ease), color .15s var(--ease), border-color .15s var(--ease), transform .15s var(--ease);
}
.btn:hover { text-decoration: none; transform: translateY(-2px); }
.btn svg { flex: none; transition: transform .2s var(--ease); }
.btn:hover svg { transform: translateX(3px); }
.btn-gold { background: var(--gold); color: #fff; }
.btn-gold:hover { background: var(--gold-600); }
.btn-navy, .btn-primary { background: var(--navy); color: #fff; }
.btn-navy:hover, .btn-primary:hover { background: var(--navy-900); }
.btn-line { border-color: var(--line); color: var(--navy); background: var(--white); }
.btn-line:hover { border-color: var(--navy); background: var(--navy); color: #fff; }
.btn-ghost-light { border-color: rgba(255, 255, 255, .45); color: #fff; }
.btn-ghost-light:hover { background: #fff; color: var(--navy); border-color: #fff; }
.btn-sm { padding: 11px 20px; font-size: 14px; }
.btn-lg { padding: 17px 32px; font-size: 16px; }
.actions { display: flex; flex-wrap: wrap; gap: 13px; }
.center .actions, .actions.center { justify-content: center; }

.link-gold, .go {
  display: inline-flex; align-items: center; gap: 9px; font-weight: 700; font-size: 15px;
  color: var(--gold-600);
}
.link-gold:hover, .go:hover { text-decoration: none; color: var(--navy); }
.link-gold svg, .go svg { transition: transform .2s var(--ease); }
.link-gold:hover svg, .go:hover svg { transform: translateX(4px); }

/* ── nav ──────────────────────────────────────────────────────────────── */
.nav { position: sticky; top: 0; z-index: 90; background: rgba(255, 255, 255, .96); backdrop-filter: blur(10px); border-bottom: 1px solid var(--line); }
.nav-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; height: var(--nav-h); }
.ag-logo { display: flex; align-items: center; gap: 11px; }
.ag-logo:hover { text-decoration: none; }
.ag-word { font-weight: 800; font-size: 21px; letter-spacing: -.05em; color: var(--navy); line-height: 1; white-space: nowrap; }
.ag-word::after { content: none; }
.nav-links { display: flex; align-items: center; gap: 2px; }
.nav-item { position: relative; }
.nav-link { display: inline-flex; align-items: center; gap: 6px; padding: 9px 13px; font-size: 15px; font-weight: 600; color: var(--body); white-space: nowrap; border-radius: var(--r-sm); }
.nav-link:hover, .nav-link.active { color: var(--navy); background: var(--navy-50); text-decoration: none; }
.nav-link .chev { opacity: .45; transition: transform .2s var(--ease); }
.nav-item:hover .chev { transform: rotate(180deg); }
.drop {
  position: absolute; top: calc(100% + 8px); left: 0; min-width: 350px; background: #fff;
  border: 1px solid var(--line); border-radius: var(--r); padding: 10px;
  box-shadow: 0 24px 60px -30px rgba(0, 42, 92, .45);
  opacity: 0; visibility: hidden; transform: translateY(-6px);
  transition: opacity .16s var(--ease), transform .16s var(--ease), visibility .16s;
}
.nav-item:hover .drop, .nav-item:focus-within .drop { opacity: 1; visibility: visible; transform: none; }
.drop-head { font-size: 11px; font-weight: 800; letter-spacing: .18em; text-transform: uppercase; color: var(--faint); padding: 8px 12px 10px; }
.drop a { display: block; padding: 11px 12px; border-radius: var(--r-sm); }
.drop a:hover { background: var(--navy-50); text-decoration: none; }
.drop .dt { display: block; font-weight: 700; color: var(--navy); font-size: 15px; }
.drop .dd { display: block; font-size: 13.5px; color: var(--muted); margin-top: 3px; line-height: 1.45; }
.nav-cta { display: flex; align-items: center; gap: 16px; }
.nav-phone { display: inline-flex; align-items: center; gap: 8px; font-size: 15px; font-weight: 700; color: var(--navy); }
.nav-phone svg { width: 17px; height: 17px; }
.burger { display: none; width: 44px; height: 44px; background: none; border: 0; cursor: pointer; position: relative; }
.burger span, .burger::before, .burger::after { content: ""; position: absolute; left: 11px; width: 22px; height: 2px; background: var(--navy); border-radius: 2px; transition: transform .2s var(--ease), opacity .2s var(--ease); }
.burger::before { top: 15px; } .burger span { top: 21px; } .burger::after { top: 27px; }
body.menu-open .burger::before { transform: translateY(6px) rotate(45deg); }
body.menu-open .burger span { opacity: 0; }
body.menu-open .burger::after { transform: translateY(-6px) rotate(-45deg); }
.mobile-menu { position: fixed; inset: var(--nav-h) 0 0; background: #fff; z-index: 80; overflow-y: auto; padding: 24px var(--gut) 56px; display: none; }
body.menu-open { overflow: hidden; }
body.menu-open .mobile-menu { display: block; }
.mgroup { padding: 16px 0; border-bottom: 1px solid var(--line); }
.mgt { font-size: 11px; font-weight: 800; letter-spacing: .18em; text-transform: uppercase; color: var(--faint); margin-bottom: 8px; }
.mgroup a { display: block; padding: 9px 0; font-size: 17px; font-weight: 600; color: var(--navy); }
.mcta { display: flex; flex-direction: column; gap: 12px; margin-top: 24px; }
@media (max-width: 1120px) { .nav-links, .nav-phone { display: none; } .burger { display: block; } }
@media (max-width: 560px) { .nav-cta .btn { display: none; } }

/* ── hero — a photograph, a scrim, and white type over it ─────────────── */
.hero { position: relative; background: var(--navy-950); overflow: hidden; padding: clamp(72px, 9vw, 136px) 0 clamp(64px, 8vw, 118px); }
.hero-media { position: absolute; inset: 0; }
.hero-media img { width: 100%; height: 100%; object-fit: cover; }
.hero::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(96deg, rgba(0, 20, 46, .93) 0%, rgba(0, 20, 46, .86) 42%, rgba(0, 28, 64, .58) 100%);
}
.hero > .wrap { position: relative; z-index: 2; }
.hero-grid { display: grid; grid-template-columns: 1.28fr .72fr; gap: clamp(30px, 4vw, 70px); align-items: center; }
@media (max-width: 980px) { .hero-grid { grid-template-columns: 1fr; } }
.hero h1 { color: #fff; margin-bottom: 26px; max-width: 19ch; }
.hero-sub { font-size: clamp(17px, 1.4vw, 19.5px); line-height: 1.6; color: rgba(255, 255, 255, .8); max-width: 46ch; margin-bottom: 34px; }
.hero-chip {
  display: inline-flex; align-items: center; gap: 10px; margin-bottom: 26px; padding: 8px 16px 8px 12px;
  border-radius: 100px; background: rgba(255, 255, 255, .1); border: 1px solid rgba(255, 255, 255, .18);
  font-size: 13px; font-weight: 700; color: #fff; letter-spacing: -.01em;
}
.hero-chip .pip { width: 7px; height: 7px; border-radius: 50%; background: var(--gold-300); flex: none; }
.hero-trust { list-style: none; display: flex; flex-wrap: wrap; gap: 11px 30px; margin-top: 36px; padding-top: 28px; border-top: 1px solid rgba(255, 255, 255, .16); }
.hero-trust li { display: flex; align-items: center; gap: 9px; font-size: 14.5px; color: rgba(255, 255, 255, .82); }

/* the stacked route links to the right of the headline */
.hero-aside { display: flex; flex-direction: column; }
.hero-aside a {
  display: flex; align-items: center; justify-content: space-between; gap: 18px; padding: 20px 0;
  border-top: 1px solid rgba(255, 255, 255, .2); font-size: clamp(16.5px, 1.4vw, 19px);
  font-weight: 700; color: #fff; letter-spacing: -.02em;
}
.hero-aside a:last-child { border-bottom: 1px solid rgba(255, 255, 255, .2); }
.hero-aside a:hover { text-decoration: none; color: var(--gold-300); }
.hero-aside svg { flex: none; transition: transform .2s var(--ease); }
.hero-aside a:hover svg { transform: translateX(5px); }

.credbar { background: var(--gold); color: rgba(255, 255, 255, .95); font-size: 13.5px; font-weight: 600; }
.credbar-inner { display: flex; flex-wrap: wrap; align-items: center; gap: 10px 20px; padding: 16px 0; }
.credbar .lbl { font-weight: 800; color: #fff; }
.credbar .dot { width: 4px; height: 4px; border-radius: 50%; background: rgba(255, 255, 255, .5); }

/* ── inner page header ────────────────────────────────────────────────── */
.phead { background: var(--navy); color: rgba(255, 255, 255, .8); padding: clamp(52px, 6vw, 92px) 0 clamp(46px, 5vw, 78px); }
.phead h1 { color: #fff; margin-bottom: 22px; }
.phead .lede { color: rgba(255, 255, 255, .8); }
.phead-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: clamp(30px, 4vw, 66px); align-items: center; }
@media (max-width: 900px) { .phead-grid { grid-template-columns: 1fr; } }
.crumbs { display: flex; align-items: center; gap: 10px; font-size: 13.5px; color: rgba(255, 255, 255, .6); margin-bottom: 22px; }
.crumbs a { color: rgba(255, 255, 255, .75); }
.crumbs .sep { opacity: .45; }

/* ── cards ────────────────────────────────────────────────────────────── */
.grid { display: grid; gap: 22px; }
.g2 { grid-template-columns: repeat(2, 1fr); }
.g3, .grid-3 { grid-template-columns: repeat(3, 1fr); }
.g4, .grid-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 1040px) { .g4, .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 880px)  { .g3, .grid-3 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px)  { .g2, .g3, .g4, .grid-3, .grid-4 { grid-template-columns: 1fr; } }

.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r);
  padding: clamp(24px, 2.4vw, 32px); display: flex; flex-direction: column; gap: 12px;
  transition: transform .16s var(--ease), box-shadow .16s var(--ease), border-color .16s var(--ease);
}
a.card:hover { transform: translateY(-4px); box-shadow: 0 22px 44px -30px rgba(0, 42, 92, .5); border-color: var(--navy-200); text-decoration: none; }
.card .cico { color: var(--gold); }
.card .cico svg { width: 26px; height: 26px; }
.card h3 { color: var(--navy); }
.card p { color: var(--body); font-size: 15.5px; margin: 0; }
.card .cat { font-size: 11px; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; color: var(--gold-600); }

/* ── steps ────────────────────────────────────────────────────────────── */
.steps { display: grid; grid-template-columns: repeat(5, 1fr); gap: 24px; counter-reset: s; }
@media (max-width: 1040px) { .steps { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 700px)  { .steps { grid-template-columns: 1fr; } }
.step { counter-increment: s; padding-top: 22px; border-top: 3px solid var(--gold); }
.step .sn::before { content: counter(s, decimal-leading-zero); display: block; font-size: 13px; font-weight: 800; letter-spacing: .1em; color: var(--gold-600); margin-bottom: 12px; }
.step h3 { font-size: 19px; margin-bottom: 7px; }
.step p { font-size: 15px; color: var(--body); }
.steps.on-dark .step { border-top-color: var(--gold-300); }
.steps.on-dark h3 { color: #fff; }
.steps.on-dark p { color: rgba(255, 255, 255, .74); }

/* ── stats ────────────────────────────────────────────────────────────── */
.stats, .stats-light { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
@media (max-width: 820px) { .stats, .stats-light { grid-template-columns: repeat(2, 1fr); } }
.stat { padding-top: 20px; border-top: 3px solid var(--gold); }
.stat .sv { font-size: clamp(30px, 3.2vw, 46px); font-weight: 800; letter-spacing: -.045em; color: var(--navy); line-height: 1; }
.stats .stat .sv { color: #fff; }
.stat .sl { font-size: 14.5px; color: var(--muted); margin-top: 9px; }
.stats .stat .sl { color: rgba(255, 255, 255, .7); }

/* ── split ────────────────────────────────────────────────────────────── */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 4.5vw, 76px); align-items: center; }
.split.wide-left { grid-template-columns: 1.08fr .92fr; }
.split.wide-right { grid-template-columns: .92fr 1.08fr; }
@media (max-width: 900px) {
  .split, .split.wide-left, .split.wide-right { grid-template-columns: 1fr; }
  .split.wide-right > *:first-child { order: 2; }
}
.frame, .frame.warm { border-radius: var(--r); overflow: hidden; background: var(--paper); }
.frame img { width: 100%; height: auto; display: block; }

.ticks { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.ticks li { position: relative; padding-left: 30px; font-size: 16.5px; line-height: 1.5; }
.ticks li::before { content: ""; position: absolute; left: 0; top: 8px; width: 14px; height: 7px; border-left: 2.5px solid var(--gold); border-bottom: 2.5px solid var(--gold); transform: rotate(-45deg); }

.note { background: var(--navy-50); border-left: 3px solid var(--gold); border-radius: 0 var(--r) var(--r) 0; padding: 20px 24px; font-size: 16px; color: var(--ink); }

/* ── prose ────────────────────────────────────────────────────────────── */
.prose { max-width: 68ch; }
.prose h2 { font-size: clamp(25px, 2.6vw, 36px); margin: clamp(38px, 4vw, 58px) 0 16px; }
.prose h2:first-child { margin-top: 0; }
.prose p { font-size: 17.5px; line-height: 1.72; }
.prose a { color: var(--navy); text-decoration: underline; text-decoration-color: var(--gold); text-underline-offset: 3px; text-decoration-thickness: 2px; }
.prose a:hover { color: var(--gold-600); }

/* ── accordion ────────────────────────────────────────────────────────── */
.acc { border-top: 1px solid var(--line); }
.acc details { border-bottom: 1px solid var(--line); }
.acc summary { list-style: none; cursor: pointer; position: relative; padding: 24px 52px 24px 0; font-size: clamp(17px, 1.5vw, 20px); font-weight: 700; letter-spacing: -.025em; color: var(--navy); line-height: 1.35; }
.acc summary::-webkit-details-marker { display: none; }
.acc summary::before, .acc summary::after { content: ""; position: absolute; right: 10px; top: 50%; background: var(--gold); border-radius: 2px; transition: transform .2s var(--ease), opacity .2s var(--ease); }
.acc summary::before { width: 15px; height: 2.5px; margin-top: -1px; }
.acc summary::after { width: 2.5px; height: 15px; margin-top: -7px; right: 16px; }
.acc details[open] summary::after { opacity: 0; transform: rotate(90deg); }
.acc .ab { padding: 0 56px 26px 0; font-size: 16.5px; line-height: 1.68; }

/* ── forms ────────────────────────────────────────────────────────────── */
.formcard { background: #fff; border: 1px solid var(--line); border-radius: var(--r); position: relative; box-shadow: 0 26px 60px -40px rgba(0, 42, 92, .5); }
.form-body { padding: clamp(24px, 2.8vw, 40px); }
.formcard h3 { margin-bottom: 7px; }
.fsub { color: var(--muted); font-size: 15px; margin-bottom: 24px; }
.field { margin-bottom: 18px; }
.field label { display: block; font-size: 13.5px; font-weight: 700; color: var(--ink); margin-bottom: 7px; }
.field input, .field select, .field textarea { width: 100%; font-family: inherit; font-size: 16px; color: var(--ink); padding: 13px 15px; border: 1.5px solid var(--line); border-radius: var(--r-sm); background: #fff; transition: border-color .14s, box-shadow .14s; }
.field input:focus, .field select:focus, .field textarea:focus { outline: 0; border-color: var(--navy-500); box-shadow: 0 0 0 3px var(--navy-50); }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
@media (max-width: 620px) { .field-row { grid-template-columns: 1fr; } }
.hp { position: absolute; left: -9999px; }
.form-note { font-size: 13px; color: var(--muted); margin-top: 16px; line-height: 1.55; }
.form-msg { margin-top: 13px; font-size: 15px; font-weight: 700; }
.form-msg.err { color: #a3342c; }
.form-ok { display: none; padding: clamp(30px, 4vw, 54px); text-align: center; }
.formcard.sent .form-body { display: none; }
.formcard.sent .form-ok { display: block; }
.form-ok .ok-ic { color: var(--gold); display: flex; justify-content: center; margin-bottom: 14px; }
.form-ok .ok-ic svg { width: 38px; height: 38px; }

/* ── CTA band ─────────────────────────────────────────────────────────── */
.cta-band { background: var(--navy); color: #fff; padding: var(--sec) 0; }
.cta-grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 4.5vw, 76px); align-items: center; }
@media (max-width: 940px) { .cta-grid { grid-template-columns: 1fr; } }
.cta-band h2 { color: #fff; margin-bottom: 18px; }
.cta-band p { color: rgba(255, 255, 255, .78); font-size: 17.5px; max-width: 44ch; }

/* ── the two routes ───────────────────────────────────────────────────── */
.routes { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
@media (max-width: 900px) { .routes { grid-template-columns: 1fr; } }
.route { background: #fff; border: 1px solid var(--line); border-radius: var(--r); display: flex; flex-direction: column; overflow: hidden; transition: transform .16s var(--ease), box-shadow .16s var(--ease); }
.route:hover { transform: translateY(-4px); box-shadow: 0 26px 50px -34px rgba(0, 42, 92, .5); }
.route::before { content: ""; display: block; height: 4px; background: var(--gold); }
.route.s::before { background: var(--navy-500); }
.route-body { padding: clamp(26px, 2.8vw, 40px); display: flex; flex-direction: column; gap: 16px; flex: 1; }
.route h3 { font-size: clamp(26px, 2.8vw, 36px); letter-spacing: -.04em; }
.route .route-line { color: var(--muted); font-size: 16.5px; margin-top: -10px; }
.route ul { list-style: none; display: flex; flex-direction: column; gap: 11px; }
.route li { position: relative; padding-left: 29px; font-size: 15.5px; line-height: 1.5; }
.route li::before { content: ""; position: absolute; left: 0; top: 8px; width: 13px; height: 6.5px; border-left: 2.5px solid var(--gold); border-bottom: 2.5px solid var(--gold); transform: rotate(-45deg); }
.route.s li::before { border-color: var(--navy-500); }
.route-foot { margin-top: auto; padding-top: 12px; }

.pill { display: inline-flex; align-items: center; gap: 8px; align-self: flex-start; font-size: 11.5px; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; color: var(--gold-600); }
.pill::before { content: ""; width: 22px; height: 2px; background: var(--gold); }
.pill-s { color: var(--navy-500); }
.pill-s::before { background: var(--navy-500); }

/* ── comparison ───────────────────────────────────────────────────────── */
.cmp-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; border: 1px solid var(--line); border-radius: var(--r); }
.cmp { width: 100%; border-collapse: collapse; min-width: 720px; background: #fff; }
.cmp th, .cmp td { text-align: left; padding: 20px 24px; border-bottom: 1px solid var(--line); vertical-align: top; font-size: 15.5px; }
.cmp thead th { background: var(--navy); color: #fff; font-size: 18px; font-weight: 800; letter-spacing: -.03em; border-bottom: 0; }
.cmp thead th:first-child { font-size: 11px; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; color: rgba(255, 255, 255, .6); }
.cmp tbody th { font-weight: 700; color: var(--navy); width: 26%; background: var(--navy-50); }
.cmp tr:last-child th, .cmp tr:last-child td { border-bottom: 0; }

/* ── finder ───────────────────────────────────────────────────────────── */
.finder { background: #fff; border: 1px solid var(--line); border-radius: var(--r); padding: clamp(24px, 2.8vw, 36px); box-shadow: 0 26px 60px -44px rgba(0, 42, 92, .5); }
.finder-row { display: flex; gap: 11px; }
@media (max-width: 620px) { .finder-row { flex-direction: column; } }
.finder input[type=search] { width: 100%; font-family: inherit; font-size: 16.5px; color: var(--ink); padding: 15px 17px; border: 1.5px solid var(--line); border-radius: var(--r-sm); background: #fff; }
.finder input[type=search]:focus { outline: 0; border-color: var(--navy-500); box-shadow: 0 0 0 3px var(--navy-50); }
.finder .btn { flex: none; }
.finder-hint { font-size: 13.5px; color: var(--muted); margin-top: 13px; }
.results { margin-top: 20px; display: flex; flex-direction: column; gap: 9px; }
.results:empty { display: none; }
.result { display: flex; align-items: center; justify-content: space-between; gap: 18px; width: 100%; text-align: left; font-family: inherit; cursor: pointer; background: #fff; border: 1px solid var(--line); border-radius: var(--r-sm); padding: 15px 18px; transition: border-color .14s, transform .14s; }
.result:hover { border-color: var(--navy-500); transform: translateX(3px); }
.result .r-name { font-weight: 700; color: var(--navy); font-size: 16.5px; }
.result .r-sub { display: block; font-size: 13.5px; color: var(--muted); margin-top: 2px; }
.result .r-go { font-size: 14px; font-weight: 700; color: var(--gold-600); white-space: nowrap; }
.results-empty { font-size: 15px; color: var(--muted); padding: 14px 2px; }

/* ── brochures and tools ──────────────────────────────────────────────── */
.brochures { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; }
@media (max-width: 700px) { .brochures { grid-template-columns: 1fr; } }
.broch { display: flex; gap: 22px; align-items: flex-start; background: #fff; border: 1px solid var(--line); border-radius: var(--r); padding: clamp(22px, 2.4vw, 30px); transition: transform .16s var(--ease), box-shadow .16s var(--ease); }
.broch:hover { transform: translateY(-4px); box-shadow: 0 24px 46px -32px rgba(0, 42, 92, .5); text-decoration: none; }
.broch img { width: 118px; height: auto; flex: none; border-radius: var(--r-sm); }
.broch h3 { margin-bottom: 7px; }
.broch p { color: var(--body); font-size: 15px; margin-bottom: 12px; }

.toolgrid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; }
@media (max-width: 780px) { .toolgrid { grid-template-columns: 1fr; } }
.tool { display: flex; gap: 18px; align-items: flex-start; background: #fff; border: 1px solid var(--line); border-radius: var(--r); padding: clamp(22px, 2.4vw, 30px); transition: transform .16s var(--ease), box-shadow .16s var(--ease), border-color .16s; }
.tool:hover { transform: translateY(-4px); box-shadow: 0 24px 46px -32px rgba(0, 42, 92, .5); border-color: var(--navy-200); text-decoration: none; }
.tool .ti { flex: none; width: 46px; height: 46px; border-radius: var(--r-sm); background: var(--navy-50); color: var(--gold-600); display: grid; place-items: center; }
.tool .ti svg { width: 24px; height: 24px; }
.tool h3 { font-size: 19px; margin-bottom: 5px; }
.tool p { font-size: 15px; color: var(--body); margin: 0; }

.prog-hero { border-radius: var(--r); overflow: hidden; }
.prog-hero img { width: 100%; height: auto; display: block; }

/* ── glossary ─────────────────────────────────────────────────────────── */
.glossary { display: grid; max-width: 76ch; }
.glossary .gl { padding: 24px 0; border-bottom: 1px solid var(--line); }
.glossary .gl:first-child { border-top: 1px solid var(--line); }
.glossary dt { font-size: 19px; font-weight: 800; letter-spacing: -.025em; color: var(--navy); margin-bottom: 7px; }
.glossary dd { margin: 0; color: var(--body); font-size: 16.5px; }

/* ── footer ───────────────────────────────────────────────────────────── */
footer { background: var(--navy-950); color: rgba(255, 255, 255, .66); padding: clamp(54px, 6.5vw, 88px) 0 40px; font-size: 15px; }
.foot-top { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 38px; padding-bottom: 40px; border-bottom: 1px solid var(--line-dark); }
@media (max-width: 940px) { .foot-top { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .foot-top { grid-template-columns: 1fr; } }
.foot-lockup .ag-word { color: #fff; font-size: 24px; }
.foot-blurb { font-size: 15px; line-height: 1.62; margin-top: 16px; max-width: 34ch; color: rgba(255, 255, 255, .68); }
.foot-from { display: flex; align-items: center; gap: 13px; margin: 24px 0 20px; }
.foot-from span { font-size: 11px; letter-spacing: .18em; text-transform: uppercase; color: rgba(255, 255, 255, .42); }
.foot-from img { height: 32px; width: auto; flex: none; }
.foot-contact { display: flex; flex-direction: column; gap: 8px; }
.foot-contact a { display: inline-flex; align-items: center; gap: 9px; color: rgba(255, 255, 255, .8); }
.foot-contact svg { width: 16px; height: 16px; opacity: .65; }
.foot-col h4 { font-size: 11px; font-weight: 800; letter-spacing: .18em; text-transform: uppercase; color: #fff; margin-bottom: 15px; }
.foot-col a { display: block; color: rgba(255, 255, 255, .66); padding: 6px 0; font-size: 14.5px; }
.foot-col a:hover { color: #fff; }
.foot-locs { display: flex; flex-wrap: wrap; align-items: center; gap: 8px 12px; padding: 22px 0; border-bottom: 1px solid var(--line-dark); font-size: 14px; }
.foot-locs .fl-label { font-size: 11px; letter-spacing: .18em; text-transform: uppercase; color: rgba(255, 255, 255, .42); margin-right: 8px; }
.foot-locs a { color: rgba(255, 255, 255, .68); }
.reg { padding: 24px 0; font-size: 12.5px; line-height: 1.65; color: rgba(255, 255, 255, .42); }
.reg a { color: rgba(255, 255, 255, .66); }
.foot-bottom { display: flex; flex-wrap: wrap; gap: 12px 24px; justify-content: space-between; font-size: 13.5px; color: rgba(255, 255, 255, .48); }
.foot-bottom a { color: rgba(255, 255, 255, .66); }

/* ── reveal ───────────────────────────────────────────────────────────── */
.js-reveal .rv { opacity: 0; transform: translateY(14px); transition: opacity .6s var(--ease), transform .6s var(--ease); }
.js-reveal .rv.in { opacity: 1; transform: none; }

.skip { position: absolute; left: -9999px; }
.skip:focus { left: 16px; top: 12px; z-index: 200; background: #fff; padding: 12px 18px; border-radius: var(--r-sm); }

/* ── the adviser's own questions, E&G's opening device ────────────────── */
.qblock { max-width: 860px; }
.qintro { font-size: clamp(19px, 1.7vw, 24px); line-height: 1.5; color: var(--navy); font-weight: 600; letter-spacing: -.02em; margin-bottom: 30px; }
.questions { list-style: none; display: flex; flex-direction: column; gap: 2px; }
.questions li {
  display: flex; align-items: flex-start; gap: 18px; padding: 22px 26px;
  background: var(--navy-50); border-left: 3px solid var(--gold);
  font-size: clamp(17px, 1.5vw, 20px); line-height: 1.45; color: var(--navy); font-weight: 600;
  letter-spacing: -.02em;
}
.questions .qm {
  flex: none; width: 26px; height: 26px; border-radius: 50%; background: var(--gold); color: #fff;
  display: grid; place-items: center; font-size: 15px; font-weight: 800; margin-top: 1px;
}

/* ── pull quote ───────────────────────────────────────────────────────── */
.pull {
  max-width: 900px; margin: 0 auto; padding: clamp(28px, 3.5vw, 48px) 0;
  border-top: 3px solid var(--gold); border-bottom: 1px solid var(--line);
  font-size: clamp(21px, 2.4vw, 32px); line-height: 1.32; letter-spacing: -.03em;
  font-weight: 700; color: var(--navy);
}
.pull cite { display: block; margin-top: 18px; font-size: 14px; font-style: normal; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); }
.why-eg li { font-size: 17px; }

.foot-pg { margin-top: 14px; font-size: 14px; color: rgba(255, 255, 255, .6); }
.foot-pg strong { color: #fff; font-weight: 800; letter-spacing: -.02em; }

/* ── the four tools ───────────────────────────────────────────────────── */
.tool-app { background: #fff; border: 1px solid var(--line); border-radius: var(--r); padding: clamp(24px,3vw,42px); }
.tool-app .fhint { font-size: 13.5px; color: var(--muted); margin-top: 7px; line-height: 1.5; }
.opts { display: grid; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); gap: 10px; }
.opt {
  font-family: inherit; font-size: 15px; font-weight: 600; text-align: left; cursor: pointer;
  padding: 14px 16px; border: 1.5px solid var(--line); border-radius: var(--r-sm);
  background: #fff; color: var(--body); transition: border-color .14s, background .14s, color .14s;
}
.opt:hover { border-color: var(--navy-200); }
.opt.on { border-color: var(--navy); background: var(--navy); color: #fff; }

.qlist { display: flex; flex-direction: column; gap: 2px; }
.qrow {
  display: flex; align-items: flex-start; gap: 14px; padding: 15px 18px; cursor: pointer;
  border: 1.5px solid transparent; border-radius: var(--r-sm); background: var(--navy-50);
  font-size: 16px; line-height: 1.45; transition: border-color .14s, background .14s;
}
.qrow:hover { border-color: var(--navy-200); }
.qrow input { flex: none; width: 20px; height: 20px; margin-top: 1px; accent-color: var(--gold); }
.qrow input:checked ~ span { color: var(--navy); font-weight: 600; }

.res-head { border-top: 3px solid var(--gold); padding-top: 24px; margin-bottom: 30px; }
.res-label { font-size: 11.5px; font-weight: 800; letter-spacing: .18em; text-transform: uppercase; color: var(--gold-600); }
.res-fig {
  font-size: clamp(30px, 4.4vw, 52px); font-weight: 800; letter-spacing: -.045em;
  color: var(--navy); line-height: 1.05; margin: 10px 0 12px;
}
.res-of { font-size: .5em; color: var(--muted); font-weight: 700; letter-spacing: -.02em; }
.res-basis { font-size: 16px; color: var(--body); max-width: 60ch; }
.res-drivers h3 { font-size: 17px; margin-bottom: 12px; }
.res-drivers ul { list-style: none; display: flex; flex-direction: column; gap: 9px; }
.res-drivers li { position: relative; padding-left: 26px; font-size: 15.5px; line-height: 1.5; }
.res-drivers li::before { content: ""; position: absolute; left: 0; top: 9px; width: 12px; height: 2px; background: var(--gold); }
.res-note { margin-top: 26px; padding-top: 20px; border-top: 1px solid var(--line); font-size: 13.5px; color: var(--muted); line-height: 1.6; }
.res-note a { color: var(--muted); text-decoration: underline; }

/* the payment-structure bar */
.res-struct { margin-top: 30px; padding-top: 26px; border-top: 1px solid var(--line); }
.res-struct h3 { font-size: 17px; margin-bottom: 6px; }
.paybar { display: flex; height: 14px; border-radius: 7px; overflow: hidden; margin-bottom: 18px; }
.paybar .pb { display: block; height: 100%; }
.paybar .pb-1 { background: var(--gold); }
.paybar .pb-2 { background: var(--navy-500); }
.paybar .pb-3 { background: var(--navy-200); }
.paylist { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.paylist li { position: relative; padding-left: 26px; font-size: 15.5px; line-height: 1.5; }
.paylist li::before { content: ""; position: absolute; left: 0; top: 9px; width: 12px; height: 2px; background: var(--gold); }
.paylist strong { color: var(--navy); }