/* True Return Partners — credibility site
   Palette: pine / brass / parchment / ink
   Design: trustworthy fiduciary steward, calm, legitimate */

:root {
  --pine:       #1b284a;   /* brand deep navy */
  --pine-soft:  #26355f;
  --brass:      #147bba;   /* brand blue accent */
  --brass-soft: #3a9bd4;
  --parchment:  #f7f8fa;   /* clean cool off-white bg */
  --parchment-2:#eef1f5;
  --ink:        #17202e;   /* body text (navy-tinted) */
  --ink-soft:   #4a5566;
  --line:       #d9dfe8;
  --white:      #ffffff;
  --ok:         #147bba;
  --err:        #b23c2e;

  --serif: "Iowan Old Style", "Palatino Linotype", Palatino, "Book Antiqua", Georgia, serif;
  --sans:  "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;

  --maxw: 1080px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { animation: none !important; transition: none !important; }
}

body {
  font-family: var(--sans);
  color: var(--ink);
  background: var(--parchment);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, .display { font-family: var(--serif); font-weight: 600; letter-spacing: -0.01em; }

a { color: var(--pine); text-decoration: underline; text-underline-offset: 2px; }
a:hover { color: var(--brass); }

.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }

/* ---------- header ---------- */
.site-header {
  border-bottom: 1px solid rgba(255,255,255,0.08);
  background: var(--pine);
  position: sticky; top: 0; z-index: 50;
}
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; height: 74px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.brand-mark {
  width: 44px; height: 44px; flex: none;
  border-radius: 6px;
  object-fit: cover;
  display: block;
}
.brand-name { font-family: var(--serif); font-size: 19px; color: #fff; font-weight: 600; letter-spacing: -0.01em; }
.brand-name span { color: var(--brass-soft); }
.nav a { margin-left: 26px; font-size: 15px; color: #c4cdda; text-decoration: none; }
.nav a:hover { color: #fff; }
.site-header .btn-ghost { color: #fff; border-color: rgba(255,255,255,0.4); }
.site-header .btn-ghost:hover { background: var(--brass); border-color: var(--brass); color: #fff; }
@media (max-width: 720px){ .nav { display: none; } }

/* ---------- hero ---------- */
.hero { padding: 76px 0 68px; position: relative; overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 48px; align-items: center; }
.hero .eyebrow {
  font-family: var(--sans); font-size: 13px; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--brass); font-weight: 600; margin-bottom: 20px;
}
.hero h1 { font-size: clamp(34px, 5.2vw, 58px); line-height: 1.05; color: var(--pine); max-width: 15ch; }
.hero h1 em { font-style: italic; color: var(--brass); }
.hero .lede { font-size: clamp(17px, 2.1vw, 20px); color: var(--ink-soft); max-width: 52ch; margin-top: 24px; }
.hero-cta { margin-top: 36px; display: flex; gap: 14px; flex-wrap: wrap; }
.hero-logo { display: flex; justify-content: center; }
.hero-logo img {
  width: 100%; max-width: 360px; height: auto; border-radius: 10px;
  box-shadow: 0 14px 40px rgba(27,40,74,0.22);
}
@media (max-width: 820px){
  .hero-grid { grid-template-columns: 1fr; gap: 36px; }
  .hero-logo { order: -1; }
  .hero-logo img { max-width: 240px; }
}

.btn {
  display: inline-flex; align-items: center; gap: 9px;
  font-family: var(--sans); font-size: 16px; font-weight: 600;
  padding: 14px 26px; border-radius: 2px; border: 1.5px solid transparent;
  cursor: pointer; text-decoration: none; transition: transform .12s ease, background .12s ease;
}
.btn-primary { background: var(--pine); color: var(--parchment); }
.btn-primary:hover { background: var(--pine-soft); color: var(--white); transform: translateY(-1px); }
.btn-ghost { background: transparent; color: var(--pine); border-color: var(--pine); }
.btn-ghost:hover { background: var(--pine); color: var(--parchment); }

/* subtle ornamental seal in hero */
.hero-seal {
  position: absolute; right: -60px; top: 50%; transform: translateY(-50%);
  width: 340px; height: 340px; opacity: 0.06; pointer-events: none;
}
@media (max-width: 860px){ .hero-seal { display: none; } }

/* ---------- trust strip ---------- */
.trust {
  background: var(--pine); color: var(--parchment);
  padding: 40px 0;
}
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; }
.trust-item h3 { font-size: 15px; font-family: var(--sans); text-transform: uppercase; letter-spacing: 0.08em; color: var(--brass-soft); margin-bottom: 6px; }
.trust-item p { font-size: 15px; color: #e8e2d3; line-height: 1.5; }
@media (max-width: 780px){ .trust-grid { grid-template-columns: 1fr 1fr; gap: 22px; } }
@media (max-width: 440px){ .trust-grid { grid-template-columns: 1fr; } }

/* ---------- sections ---------- */
.section { padding: 76px 0; }
.section-eyebrow { font-size: 13px; letter-spacing: 0.14em; text-transform: uppercase; color: var(--brass); font-weight: 600; margin-bottom: 14px; }
.section h2 { font-size: clamp(26px, 3.4vw, 38px); color: var(--pine); max-width: 20ch; }
.section .intro { font-size: 18px; color: var(--ink-soft); max-width: 60ch; margin-top: 18px; }

.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; margin-top: 44px; }
.step { background: var(--white); border: 1px solid var(--line); border-radius: 3px; padding: 28px; }
.step .num { font-family: var(--serif); font-size: 15px; color: var(--brass); font-weight: 600; letter-spacing: 0.05em; }
.step h3 { font-size: 20px; color: var(--pine); margin: 10px 0 8px; }
.step p { font-size: 15px; color: var(--ink-soft); }
@media (max-width: 780px){ .steps { grid-template-columns: 1fr; } }

/* ---------- transparency band ---------- */
.transparency { background: var(--parchment-2); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.transparency .wrap { padding-top: 60px; padding-bottom: 60px; }
.transparency h2 { color: var(--pine); font-size: clamp(24px, 3vw, 32px); max-width: 24ch; }
.transparency p { font-size: 17px; color: var(--ink-soft); max-width: 62ch; margin-top: 16px; }
.transparency .fine { font-size: 15px; color: var(--ink-soft); margin-top: 14px; }

/* ---------- contact / forms ---------- */
.contact { padding: 76px 0; }
.contact-grid { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 52px; align-items: start; }
@media (max-width: 820px){ .contact-grid { grid-template-columns: 1fr; gap: 40px; } }

.form-card { background: var(--white); border: 1px solid var(--line); border-radius: 4px; padding: 34px; }
.form-card h3 { font-size: 22px; color: var(--pine); margin-bottom: 6px; }
.form-card .sub { font-size: 15px; color: var(--ink-soft); margin-bottom: 24px; }

.field { margin-bottom: 18px; }
.field label { display: block; font-size: 14px; font-weight: 600; color: var(--ink); margin-bottom: 6px; }
.field input, .field textarea, .field select {
  width: 100%; font-family: var(--sans); font-size: 16px; color: var(--ink);
  padding: 12px 14px; border: 1px solid var(--line); border-radius: 3px; background: var(--parchment);
}
.field input:focus, .field textarea:focus, .field select:focus {
  outline: 2px solid var(--brass); outline-offset: 1px; border-color: var(--brass); background: var(--white);
}
.field textarea { min-height: 96px; resize: vertical; }

/* SMS consent — deliberately separate, unchecked, with full disclosure */
.consent {
  background: var(--parchment-2); border: 1px solid var(--line); border-radius: 3px;
  padding: 16px; margin: 8px 0 22px; display: flex; gap: 12px; align-items: flex-start;
}
.consent input[type=checkbox] { width: 20px; height: 20px; flex: none; margin-top: 2px; accent-color: var(--pine); }
.consent label { font-size: 13px; color: var(--ink-soft); line-height: 1.5; font-weight: 400; }
.consent label strong { color: var(--ink); }

.call-card { background: var(--pine); color: var(--parchment); border-radius: 4px; padding: 34px; }
.call-card h3 { color: var(--white); font-size: 22px; margin-bottom: 8px; }
.call-card p { font-size: 15px; color: #e8e2d3; margin-bottom: 22px; }
.call-card .field label { color: #e8e2d3; }
.call-card .field input { background: rgba(255,255,255,0.08); border-color: rgba(255,255,255,0.2); color: var(--white); }
.call-card .field input::placeholder { color: #b9c4bd; }
.call-card .btn-primary { background: var(--brass); color: var(--pine); width: 100%; justify-content: center; }
.call-card .btn-primary:hover { background: var(--brass-soft); }
.call-hours { font-size: 13px; color: #b9c4bd; margin-top: 14px; text-align: center; }

.form-msg { font-size: 15px; padding: 12px 14px; border-radius: 3px; margin-top: 14px; display: none; }
.form-msg.ok  { display: block; background: #e5ede9; color: var(--ok); border: 1px solid #c3d6cd; }
.form-msg.err { display: block; background: #f3e2dd; color: var(--err); border: 1px solid #e0c3ba; }

/* ---------- footer ---------- */
.site-footer { background: var(--pine); color: #cdd6cf; padding: 54px 0 34px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 40px; }
.site-footer .brand-name { color: var(--parchment); }
.site-footer p { font-size: 14px; color: #a9b6ac; margin-top: 14px; max-width: 40ch; line-height: 1.6; }
.footer-col h4 { font-size: 13px; text-transform: uppercase; letter-spacing: 0.1em; color: var(--brass-soft); margin-bottom: 14px; }
.footer-col a { display: block; color: #cdd6cf; text-decoration: none; font-size: 15px; margin-bottom: 10px; }
.footer-col a:hover { color: var(--white); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.12); margin-top: 40px; padding-top: 22px; font-size: 13px; color: #93a096; }
.footer-bottom .addr { margin-bottom: 8px; }
@media (max-width: 720px){ .footer-grid { grid-template-columns: 1fr; gap: 30px; } }

/* ---------- legal pages ---------- */
.legal { padding: 64px 0 80px; }
.legal .wrap { max-width: 760px; }
.legal h1 { font-size: clamp(30px, 4vw, 44px); color: var(--pine); margin-bottom: 8px; }
.legal .updated { font-size: 14px; color: var(--ink-soft); margin-bottom: 36px; }
.legal h2 { font-size: 22px; color: var(--pine); margin: 34px 0 12px; }
.legal h3 { font-size: 18px; color: var(--pine-soft); margin: 22px 0 8px; }
.legal p, .legal li { font-size: 16px; color: var(--ink-soft); margin-bottom: 12px; }
.legal ul, .legal ol { margin: 0 0 12px 22px; }
.legal a { color: var(--brass); }
.back-link { display: inline-block; margin-bottom: 28px; font-size: 15px; color: var(--pine); text-decoration: none; }
.back-link:hover { color: var(--brass); }

/* placeholder highlighting so you can spot fill-ins before launch */
.ph { background: #fff2c9; padding: 0 3px; border-radius: 2px; }