/* ============================================================
   Credit Harbor Advisory — site styles
   Palette drawn from the brand mark: deep harbor navy, ivory,
   and a restrained gold. Serif display to match the logotype.
   ============================================================ */

:root {
  --navy: #1b2947;
  --navy-deep: #131e36;
  --navy-line: #2c3c63;
  --cream: #f5f1e8;
  --ivory: #fbf9f3;
  --ink: #23304e;
  --ink-soft: #4d5b78;
  --gold: #c49a3c;
  --gold-soft: #d9bd7c;
  --hairline: #e2dccb;
  --serif: "Source Serif 4", Georgia, "Times New Roman", serif;
  --sans: "Libre Franklin", "Helvetica Neue", Arial, sans-serif;
}

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

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

body {
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
}

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

a { color: var(--navy); }
a:focus-visible, button:focus-visible, input:focus-visible,
select:focus-visible, textarea:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 2px;
}

.wrap { max-width: 1080px; margin: 0 auto; padding: 0 24px; }
.wrap--narrow { max-width: 820px; }

/* ---------- The brand eyebrow: — LABEL — (from the logo lockup) ---------- */
.eyebrow {
  display: flex;
  align-items: center;
  gap: 16px;
  justify-content: center;
  font-family: var(--sans);
  font-size: 12.5px;
  font-weight: 600;
  letter-spacing: 0.32em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 22px;
}
.eyebrow::before, .eyebrow::after {
  content: "";
  height: 1px;
  width: 44px;
  background: var(--gold);
  opacity: 0.75;
}
.eyebrow--left { justify-content: flex-start; }
.eyebrow--left::after { display: none; }

/* ---------------------------- Navigation ---------------------------- */
.nav {
  background: var(--navy);
  border-bottom: 1px solid var(--navy-line);
  position: sticky;
  top: 0;
  z-index: 50;
}
.nav__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 14px 24px;
  max-width: 1160px;
  margin: 0 auto;
}
.nav__brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}
.nav__brand img { width: 40px; height: 40px; border-radius: 8px; }
.nav__brand span {
  font-family: var(--serif);
  font-size: 20px;
  color: var(--ivory);
  letter-spacing: 0.01em;
  white-space: nowrap;
}
.nav__links {
  display: flex;
  align-items: center;
  gap: 26px;
}
.nav__links a {
  color: #cdd4e4;
  text-decoration: none;
  font-size: 14.5px;
  font-weight: 500;
  letter-spacing: 0.04em;
  padding: 6px 0;
  border-bottom: 2px solid transparent;
}
.nav__links a:hover { color: var(--ivory); }
.nav__links a[aria-current="page"] {
  color: var(--ivory);
  border-bottom-color: var(--gold);
}
.btn {
  display: inline-block;
  font-family: var(--sans);
  font-weight: 600;
  font-size: 15px;
  letter-spacing: 0.04em;
  text-decoration: none;
  border-radius: 6px;
  padding: 12px 26px;
  border: 1px solid transparent;
  cursor: pointer;
  transition: background 0.18s ease, color 0.18s ease, border-color 0.18s ease;
}
.btn--gold { background: var(--gold); color: var(--navy-deep); }
.btn--gold:hover { background: var(--gold-soft); }
.btn--ghost {
  background: transparent;
  color: var(--ivory);
  border-color: rgba(245, 241, 232, 0.45);
}
.btn--ghost:hover { border-color: var(--ivory); }
.btn--navy { background: var(--navy); color: var(--ivory); }
.btn--navy:hover { background: var(--navy-deep); }
.nav .btn { padding: 10px 20px; font-size: 14px; }

/* ------------------------------- Hero ------------------------------- */
.hero {
  background: var(--navy);
  background: linear-gradient(180deg, var(--navy) 0%, var(--navy-deep) 100%);
  color: var(--ivory);
  text-align: center;
  padding: 96px 24px 104px;
}
.hero h1 {
  font-family: var(--serif);
  font-weight: 600;
  font-size: clamp(38px, 5.4vw, 60px);
  line-height: 1.12;
  letter-spacing: -0.01em;
  max-width: 21ch;
  margin: 0 auto 26px;
}
.hero p {
  max-width: 62ch;
  margin: 0 auto 38px;
  font-size: 18.5px;
  line-height: 1.7;
  color: #d7dce8;
}
.hero__actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
.hero--page { padding: 76px 24px 80px; }
.hero--page h1 { font-size: clamp(34px, 4.6vw, 52px); }

/* ---------------------------- Stat band ---------------------------- */
.stats {
  background: var(--navy-deep);
  border-top: 1px solid var(--navy-line);
  color: var(--ivory);
}
.stats__grid {
  max-width: 1080px;
  margin: 0 auto;
  padding: 34px 24px;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  text-align: center;
}
.stats b {
  display: block;
  font-family: var(--serif);
  font-weight: 600;
  font-size: 34px;
  color: var(--gold-soft);
  line-height: 1.1;
  margin-bottom: 6px;
}
.stats span {
  font-size: 13px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: #b9c1d4;
}

/* ----------------------------- Sections ----------------------------- */
.section { padding: 88px 0; }
.section--ivory { background: var(--ivory); border-top: 1px solid var(--hairline); border-bottom: 1px solid var(--hairline); }
.section--navy { background: var(--navy); color: var(--ivory); }
.section h2 {
  font-family: var(--serif);
  font-weight: 600;
  font-size: clamp(30px, 3.6vw, 42px);
  line-height: 1.15;
  text-align: center;
  max-width: 24ch;
  margin: 0 auto 18px;
}
.section .lede {
  text-align: center;
  max-width: 66ch;
  margin: 0 auto 56px;
  font-size: 18px;
  color: var(--ink-soft);
}
.section--navy .lede { color: #ccd3e2; }

/* ------------------------------ Cards ------------------------------ */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.card {
  background: var(--ivory);
  border: 1px solid var(--hairline);
  border-top: 3px solid var(--gold);
  border-radius: 10px;
  padding: 30px 28px;
}
.section--ivory .card { background: #ffffff; }
.card h3 {
  font-family: var(--serif);
  font-weight: 600;
  font-size: 22px;
  margin-bottom: 10px;
}
.card p { font-size: 15.5px; color: var(--ink-soft); }
.card .small-note { margin-top: 12px; font-size: 13px; letter-spacing: 0.08em; text-transform: uppercase; color: var(--gold); font-weight: 600; }

/* --------------------------- Process ledger --------------------------- */
.steps { max-width: 860px; margin: 0 auto; }
.step {
  display: grid;
  grid-template-columns: 88px 1fr;
  gap: 26px;
  padding: 34px 0;
  border-bottom: 1px solid var(--hairline);
}
.step:last-child { border-bottom: none; }
.step__num {
  font-family: var(--serif);
  font-size: 44px;
  font-weight: 600;
  color: var(--gold);
  line-height: 1;
  text-align: right;
  padding-top: 2px;
}
.step h3 {
  font-family: var(--serif);
  font-weight: 600;
  font-size: 24px;
  margin-bottom: 8px;
}
.step p { color: var(--ink-soft); max-width: 62ch; }
.step p + p { margin-top: 10px; }

/* --------------------------- Exhibit table --------------------------- */
.exhibit {
  background: var(--ivory);
  border: 1px solid var(--hairline);
  border-radius: 12px;
  overflow: hidden;
  max-width: 860px;
  margin: 0 auto;
  box-shadow: 0 18px 40px rgba(19, 30, 54, 0.08);
}
.exhibit__head {
  background: var(--navy);
  color: var(--ivory);
  padding: 20px 28px;
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 16px;
  flex-wrap: wrap;
}
.exhibit__head h3 { font-family: var(--serif); font-weight: 600; font-size: 21px; }
.exhibit__head span {
  font-size: 12px;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--gold-soft);
  font-weight: 600;
}
.exhibit table { width: 100%; border-collapse: collapse; font-size: 15.5px; }
.exhibit th, .exhibit td { padding: 15px 28px; text-align: left; border-bottom: 1px solid var(--hairline); }
.exhibit thead th {
  font-family: var(--sans);
  font-size: 12.5px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-soft);
  background: #f2eddf;
}
.exhibit td:first-child { color: var(--ink-soft); width: 34%; }
.exhibit td { font-weight: 500; }
.exhibit tr:last-child td { border-bottom: none; }
.exhibit .flag { color: #9a3324; font-weight: 700; }
.exhibit .ok { color: #2c6e49; font-weight: 700; }
.exhibit__foot {
  padding: 18px 28px 22px;
  font-size: 14.5px;
  color: var(--ink-soft);
  border-top: 1px solid var(--hairline);
  background: #fdfcf8;
}

/* --------------------------- Question list --------------------------- */
.qlist { max-width: 860px; margin: 0 auto; display: grid; gap: 18px; }
.qitem {
  background: #ffffff;
  border: 1px solid var(--hairline);
  border-left: 4px solid var(--gold);
  border-radius: 8px;
  padding: 24px 28px;
}
.qitem h3 { font-family: var(--serif); font-size: 21px; font-weight: 600; margin-bottom: 6px; }
.qitem p { color: var(--ink-soft); font-size: 15.5px; }

/* ------------------------------ About ------------------------------ */
.about-grid {
  display: grid;
  grid-template-columns: 300px 1fr;
  gap: 56px;
  align-items: start;
}
.about-side { position: sticky; top: 96px; }
.about-side img.portrait {
  border-radius: 14px;
  border: 1px solid var(--hairline);
  box-shadow: 0 20px 44px rgba(19, 30, 54, 0.14);
  margin-bottom: 22px;
}
.about-side .facts {
  background: var(--ivory);
  border: 1px solid var(--hairline);
  border-radius: 10px;
  padding: 22px 22px;
  font-size: 14.5px;
}
.about-side .facts dt {
  font-size: 11.5px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 700;
  margin-top: 14px;
}
.about-side .facts dt:first-child { margin-top: 0; }
.about-side .facts dd { color: var(--ink); margin-top: 3px; }
.about-body h2 {
  text-align: left;
  margin: 0 0 22px;
  max-width: none;
}
.about-body p { margin-bottom: 18px; max-width: 66ch; }
.about-body .pull {
  font-family: var(--serif);
  font-size: 24px;
  line-height: 1.45;
  color: var(--navy);
  border-left: 4px solid var(--gold);
  padding-left: 22px;
  margin: 30px 0;
}
.callout {
  background: var(--navy);
  color: #dfe4ef;
  border-radius: 12px;
  padding: 30px 32px;
  margin: 34px 0;
}
.callout h3 {
  font-family: var(--sans);
  font-size: 12.5px;
  letter-spacing: 0.26em;
  text-transform: uppercase;
  color: var(--gold-soft);
  margin-bottom: 12px;
}
.callout p { color: #dfe4ef; margin: 0; }
.signoff {
  font-family: var(--serif);
  font-style: italic;
  font-size: 30px;
  color: var(--navy);
  margin-top: 34px;
}
.signoff small {
  display: block;
  font-family: var(--sans);
  font-style: normal;
  font-size: 13px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin-top: 6px;
}

/* ------------------------------ Forms ------------------------------ */
.book-grid { display: grid; grid-template-columns: 1fr 1.1fr; gap: 48px; align-items: start; }
.book-points { display: grid; gap: 20px; }
.book-point { border-left: 3px solid var(--gold); padding-left: 18px; }
.book-point h3 { font-family: var(--serif); font-size: 20px; font-weight: 600; margin-bottom: 4px; color: var(--ivory); }
.book-point p { font-size: 15px; color: #c6cddd; }
.form-card {
  background: var(--ivory);
  color: var(--ink);
  border-radius: 12px;
  padding: 34px 32px;
  border: 1px solid rgba(196, 154, 60, 0.35);
  box-shadow: 0 24px 60px rgba(0, 0, 0, 0.3);
}
.form-card h3 { font-family: var(--serif); font-size: 24px; font-weight: 600; margin-bottom: 4px; }
.form-card .form-sub { font-size: 14px; color: var(--ink-soft); margin-bottom: 22px; }
.field { margin-bottom: 16px; }
.field label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin-bottom: 6px;
}
.field input, .field select, .field textarea {
  width: 100%;
  font-family: var(--sans);
  font-size: 16px;
  color: var(--ink);
  background: #ffffff;
  border: 1px solid #d8d2c0;
  border-radius: 6px;
  padding: 12px 14px;
}
.field textarea { min-height: 96px; resize: vertical; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-fine { font-size: 12.5px; color: var(--ink-soft); margin-top: 14px; }
.hidden { display: none !important; }

/* ------------------------------ Footer ------------------------------ */
.footer {
  background: var(--navy-deep);
  color: #b9c1d4;
  padding: 56px 0 40px;
  border-top: 3px solid var(--gold);
}
.footer__grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 36px;
}
.footer__brand img { width: 190px; margin-bottom: 16px; border-radius: 10px; }
.footer h4 {
  font-family: var(--sans);
  font-size: 12px;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--gold-soft);
  margin-bottom: 14px;
}
.footer a { color: #d7dce8; text-decoration: none; }
.footer a:hover { color: var(--ivory); text-decoration: underline; }
.footer ul { list-style: none; }
.footer li { margin-bottom: 8px; font-size: 15px; }
.footer p { font-size: 14.5px; max-width: 46ch; }
.footer__legal {
  border-top: 1px solid var(--navy-line);
  padding-top: 22px;
  font-size: 13px;
  color: #8e97ad;
  display: flex;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}

/* ------------------------------ CTA band ------------------------------ */
.cta-band { text-align: center; }
.cta-band h2 { color: var(--ivory); }
.cta-band p { color: #ccd3e2; max-width: 58ch; margin: 0 auto 32px; text-align: center; }

/* ---------------------------- Responsive ---------------------------- */
@media (max-width: 900px) {
  .cards { grid-template-columns: 1fr; }
  .stats__grid { grid-template-columns: repeat(2, 1fr); }
  .book-grid { grid-template-columns: 1fr; }
  .about-grid { grid-template-columns: 1fr; gap: 34px; }
  .about-side { position: static; max-width: 340px; }
  .footer__grid { grid-template-columns: 1fr; }
  .nav__links a:not(.btn) { display: none; }
  .subnav { display: flex; gap: 18px; justify-content: center; flex-wrap: wrap;
    background: var(--navy-deep); padding: 12px 16px; border-top: 1px solid var(--navy-line); }
  .subnav a { color: #cdd4e4; font-size: 14px; text-decoration: none; letter-spacing: 0.04em; }
  .subnav a[aria-current="page"] { color: var(--gold-soft); }
}
@media (min-width: 901px) { .subnav { display: none; } }
@media (max-width: 560px) {
  .step { grid-template-columns: 54px 1fr; gap: 16px; }
  .step__num { font-size: 32px; }
  .field-row { grid-template-columns: 1fr; }
  .hero { padding: 68px 20px 74px; }
  .exhibit th, .exhibit td, .exhibit__head, .exhibit__foot { padding-left: 18px; padding-right: 18px; }
}