*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --charcoal:#1E1E1C;
  --dark:#2E2E2C;
  --mid:#5C5C5A;
  --muted:#919190;
  --rule:#E0DED8;
  --sand:#F4F2EC;
  --cream:#FAF8F3;
  --white:#FFFFFF;
  --serif:'Cormorant Garamond',Georgia,serif;
  --sans:'Montserrat',sans-serif;
}
html{scroll-behavior:smooth}
body{font-family:var(--sans);background:var(--white);color:var(--dark);-webkit-font-smoothing:antialiased;font-size:14px;overflow-x:hidden}

/* BUTTONS */
.btn-dark,.btn-light,.btn-outline,.btn-ghost{-webkit-appearance:none;appearance:none;font-family:var(--sans);display:inline-flex;align-items:center;justify-content:center;font-size:10px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;padding:14px 30px;text-decoration:none;cursor:pointer;transition:all .2s;line-height:1;border:none}
.btn-dark{background:#242422;color:#FFFFFF;border:1px solid #242422}
.btn-dark:hover{background:#3a3a38;border-color:#3a3a38}
.btn-light{background:#FFFFFF;color:#242422;border:1px solid #FFFFFF}
.btn-light:hover{background:#f0eeea;border-color:#f0eeea}
.btn-outline{background:transparent;color:#FFFFFF;border:1px solid rgba(255,255,255,.4)}
.btn-outline:hover{background:rgba(255,255,255,.1);border-color:#FFFFFF}
.btn-ghost{background:transparent;color:#242422;border:1px solid var(--rule)}
.btn-ghost:hover{background:#242422;border-color:#242422;color:#FFFFFF}

/* EYEBROW */
.eyebrow{font-size:10px;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--muted)}
.eyebrow-light{font-size:10px;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:rgba(255,255,255,.3)}

/* TOPBAR */
.topbar{background:var(--charcoal);height:36px;display:flex;align-items:center;justify-content:space-between;padding:0 48px}
.topbar-l{font-family:var(--serif);font-style:italic;font-size:13px;color:rgba(255,255,255,.4);letter-spacing:.02em}
.topbar-r{display:flex;gap:28px;align-items:center}
.topbar-r a{font-size:11px;font-weight:300;color:rgba(255,255,255,.4);text-decoration:none;display:flex;align-items:center;gap:6px;letter-spacing:.03em;transition:color .2s}
.topbar-r a:hover{color:rgba(255,255,255,.75)}

/* NAV */
.nav{background:var(--white);border-bottom:1px solid var(--rule);height:70px;display:grid;grid-template-columns:auto 1fr auto;align-items:center;padding:0 48px;position:sticky;top:0;z-index:200;gap:32px}
.nav-brand{display:flex;flex-direction:column;gap:3px;cursor:pointer;text-decoration:none;flex-shrink:0}
.nav-wm{font-family:var(--sans);font-size:20px;font-weight:700;letter-spacing:.18em;color:var(--charcoal);line-height:1}
.nav-sub{font-size:7px;font-weight:400;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.nav-links{display:flex;gap:20px;list-style:none;justify-content:center}
.nav-links a{font-size:11px;font-weight:500;letter-spacing:.08em;text-transform:uppercase;text-decoration:none;color:var(--mid);padding-bottom:2px;border-bottom:1.5px solid transparent;transition:all .2s;cursor:pointer;white-space:nowrap}
.nav-links a:hover,.nav-links a.active{color:var(--charcoal);border-bottom-color:var(--charcoal)}
.nav-cta{font-family:var(--sans);font-size:10px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;border:1px solid var(--charcoal);padding:9px 18px;background:none;color:var(--charcoal);cursor:pointer;transition:all .2s;white-space:nowrap;flex-shrink:0}
.nav-cta:hover{background:var(--charcoal);color:var(--white)}

/* PAGE HERO (phero) */
.phero{position:relative;height:54vh;min-height:360px;overflow:hidden;background:var(--charcoal)}
.phero img{width:100%;height:100%;object-fit:cover;display:block;filter:brightness(.38)}
.phero-body{position:absolute;inset:0;display:flex;flex-direction:column;justify-content:flex-end;padding:64px 80px}
.phero-ey{margin-bottom:12px}
.phero-h{font-family:var(--serif);font-size:58px;font-weight:300;color:var(--white);line-height:1.1;max-width:720px}
.phero-h em{font-style:italic}

/* 3-COL STRIP */
.strip3{display:grid;grid-template-columns:1fr 1fr 1fr;border-bottom:1px solid var(--rule)}
.strip3-cell{padding:44px 40px;border-right:1px solid var(--rule)}
.strip3-cell:last-child{border-right:none}
.strip3-n{font-family:var(--serif);font-size:42px;font-weight:300;color:var(--rule);line-height:1;margin-bottom:16px}
.strip3-title{font-size:11px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--charcoal);margin-bottom:10px}
.strip3-body{font-size:13px;font-weight:300;color:var(--mid);line-height:1.85}

/* SPLIT */
.split{display:grid;grid-template-columns:1fr 1fr;min-height:580px}
.split-photo{position:relative;overflow:hidden}
.split-photo img{width:100%;height:100%;object-fit:cover;display:block}
.split-copy{padding:80px 64px;display:flex;flex-direction:column;justify-content:center}
.split-copy.sand{background:var(--sand)}
.split-copy.dark{background:var(--charcoal)}
.split-copy.white{background:var(--white)}
.split-h{font-family:var(--serif);font-size:42px;font-weight:300;line-height:1.2;margin:16px 0 24px}
.split-h em{font-style:italic}
.split-h.light{color:rgba(255,255,255,.9)}
.split-p{font-size:13px;font-weight:300;line-height:1.9;color:var(--mid);margin-bottom:12px}
.split-p.light{color:rgba(255,255,255,.48)}

/* RISK LIST */
.rlist{list-style:none;margin:20px 0 32px;border-top:1px solid var(--rule)}
.rlist li{display:flex;gap:14px;padding:12px 0;font-size:13px;font-weight:300;line-height:1.55;border-bottom:1px solid var(--rule);color:var(--mid)}
.rlist li::before{content:'—';flex-shrink:0;color:var(--charcoal);font-weight:400}

/* PILLARS */
.pillars-sec{padding:96px 48px;background:var(--white)}
.sec-header{text-align:center;margin-bottom:64px}
.sec-header span{display:block;margin-bottom:16px}
.sec-header h2{font-family:var(--serif);font-size:48px;font-weight:300;color:var(--charcoal)}
.pgrid{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--rule)}
.pcell{padding:40px 32px;border-right:1px solid var(--rule);border-bottom:1px solid var(--rule);transition:background .25s;cursor:default}
.pcell:nth-child(3n){border-right:none}
.pcell:nth-child(n+4){border-bottom:none}
.pcell:hover{background:var(--sand)}
.pn{font-size:9px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--muted);margin-bottom:18px}
.pt{font-family:var(--serif);font-size:22px;font-weight:400;color:var(--charcoal);margin-bottom:12px;line-height:1.3}
.pb{font-size:12px;font-weight:300;color:var(--mid);line-height:1.8}

/* COMPARISON TABLE — using Amanah's cgrid style */
.cmp-sec{padding:96px 80px;background:var(--sand)}
.cmp-intro{max-width:580px;margin-bottom:56px}
.cmp-intro span{display:block;margin-bottom:16px}
.cmp-intro h2{font-family:var(--serif);font-size:40px;font-weight:300;color:var(--charcoal);line-height:1.25}
.cmp-intro p{font-size:13px;font-weight:300;color:var(--mid);line-height:1.85;margin-top:16px}

.ctable{width:100%;border:1px solid var(--rule);border-collapse:collapse;max-width:980px}
.ctable-hrow td{font-size:10px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;padding:18px 24px;border-bottom:1px solid var(--rule)}
.ctable-hrow .col-factor{background:var(--white);color:var(--muted);border-right:1px solid var(--rule)}
.ctable-hrow .col-fid{background:var(--white);color:var(--muted);border-right:1px solid var(--rule)}
.ctable-hrow .col-corp{background:var(--charcoal);color:rgba(255,255,255,.35)}

.ctable-row td{padding:15px 24px;font-size:13px;font-weight:300;line-height:1.5;border-bottom:1px solid var(--rule);vertical-align:top}
.ctable-row:last-child td{border-bottom:none}
.ctable-row .col-factor{font-weight:500;color:var(--charcoal);background:var(--white);font-size:12px;border-right:1px solid var(--rule);width:22%}
.ctable-row .col-fid{color:var(--mid);background:var(--white);border-right:1px solid var(--rule);width:39%}
.ctable-row .col-corp{color:var(--dark);background:var(--cream);font-weight:400;width:39%}

.tag-good{display:inline-block;font-size:10px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;padding:3px 8px;background:#E8F0E9;color:#2A5C30}
.tag-warn{display:inline-block;font-size:10px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;padding:3px 8px;background:#F9F0E2;color:#7A500D}
.tag-bad{display:inline-block;font-size:10px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;padding:3px 8px;background:#F6EAEA;color:#7A2020}

.compare-note{margin-top:28px;padding:20px 24px;background:var(--white);border:1px solid var(--rule);border-left:3px solid var(--charcoal);font-size:13px;font-weight:300;color:var(--mid);line-height:1.75;max-width:980px}
.compare-note strong{font-weight:500;color:var(--charcoal)}

/* PROCESS / CONTENTS SECTION */
.proc-sec{padding:96px 80px}
.proc-intro{max-width:580px;margin-bottom:72px}
.proc-intro span{display:block;margin-bottom:16px}
.proc-intro h2{font-family:var(--serif);font-size:34px;font-weight:300;color:var(--charcoal);line-height:1.35}

.srow{display:grid;grid-template-columns:60px 1fr 360px;gap:48px;padding:52px 0;border-bottom:1px solid var(--rule);align-items:start}
.srow:first-child{padding-top:0}
.srow:last-child{border-bottom:none;padding-bottom:0}
.sn{font-family:var(--serif);font-size:52px;font-weight:300;color:var(--rule);line-height:1}
.st{font-size:11px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--charcoal);margin-bottom:16px}
.sp{font-size:13px;font-weight:300;color:var(--mid);line-height:1.85;margin-bottom:10px}
.snote{font-family:var(--serif);font-style:italic;font-size:14px;color:var(--muted);padding:13px 18px;border-left:2px solid var(--rule);margin-top:14px;line-height:1.6}

/* LEAD FORM (contact-form style) */
.form-split{display:grid;grid-template-columns:1fr 1fr;min-height:90vh}
.form-photo{overflow:hidden}
.form-photo img{width:100%;height:100%;object-fit:cover;display:block}
.form-side{padding:72px 60px;background:var(--sand);display:flex;flex-direction:column;justify-content:center}
.form-side span{display:block;margin-bottom:16px}
.form-side h2{font-family:var(--serif);font-size:44px;font-weight:300;color:var(--charcoal);margin-bottom:10px;line-height:1.2}
.form-side h2 em{font-style:italic}
.form-lead{font-size:13px;font-weight:300;color:var(--mid);line-height:1.85;margin-bottom:32px}

.guide-box{background:var(--white);border:1px solid var(--rule);padding:20px 24px;margin-bottom:28px;display:flex;gap:16px;align-items:flex-start}
.guide-thumb{width:44px;height:56px;background:var(--charcoal);flex-shrink:0;display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-size:9px;font-weight:600;color:rgba(255,255,255,.5);text-align:center;letter-spacing:.1em;line-height:1.3}
.guide-info h3{font-size:12px;font-weight:600;color:var(--charcoal);margin-bottom:6px;line-height:1.4;letter-spacing:.02em}
.guide-info ul{list-style:none}
.guide-info ul li{font-size:11px;font-weight:300;color:var(--mid);padding:4px 0;border-bottom:1px solid var(--rule);line-height:1.4;display:flex;gap:8px}
.guide-info ul li:last-child{border-bottom:none}
.guide-info ul li::before{content:'✓';color:var(--charcoal);font-size:10px;font-weight:700;flex-shrink:0}

.frow{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:14px}
.ffield{display:flex;flex-direction:column;gap:6px;margin-bottom:14px}
.flabel{font-size:9px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--muted)}
.finput,.fselect,.ftextarea{font-family:var(--sans);font-size:12px;font-weight:300;color:var(--charcoal);background:var(--white);border:1px solid var(--rule);padding:11px 14px;outline:none;transition:border-color .2s;-webkit-appearance:none;width:100%}
.finput:focus,.fselect:focus,.ftextarea:focus{border-color:var(--charcoal)}
.fnote{font-size:11px;font-weight:300;color:var(--muted);line-height:1.65;margin-bottom:18px}

/* SUCCESS */
.success-state{display:none;text-align:center;padding:32px 0}
.success-state p.s-big{font-family:var(--serif);font-size:28px;font-weight:300;color:var(--charcoal);margin-bottom:12px}
.success-state p.s-sm{font-size:13px;font-weight:300;color:var(--mid);line-height:1.75}
.check-mark{width:52px;height:52px;background:var(--charcoal);border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 20px}
.check-mark svg{stroke:var(--white)}

/* CTA BAND */
.ctaband{background:var(--charcoal);padding:72px 80px;color:var(--white);display:grid;grid-template-columns:1fr auto;align-items:center;gap:80px}
.ctaband-h{font-family:var(--serif);font-size:36px;font-weight:300;font-style:italic;color:rgba(255,255,255,.9);line-height:1.3;margin-bottom:10px}
.ctaband-sub{font-size:12px;font-weight:300;color:rgba(255,255,255,.32);letter-spacing:.04em}
.ctaband-btns{display:flex;gap:12px;flex-shrink:0}

/* FOOTER */
footer{background:var(--charcoal)}
.footer-top{display:grid;grid-template-columns:260px 1fr 1fr 1fr;gap:56px;padding:60px 48px;border-bottom:1px solid rgba(255,255,255,.07)}
.fwm{font-family:var(--sans);font-size:18px;font-weight:700;letter-spacing:.22em;color:var(--white);margin-bottom:6px}
.ftag{font-family:var(--serif);font-size:14px;font-style:italic;color:rgba(255,255,255,.28);margin-bottom:24px}
.fcontact a,.fcontact p{display:block;font-size:12px;font-weight:300;color:rgba(255,255,255,.38);text-decoration:none;line-height:2.3;transition:color .2s}
.fcontact a:hover{color:rgba(255,255,255,.72)}
.fcol-title{font-size:9px;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:rgba(255,255,255,.18);margin-bottom:18px}
.flink{display:block;font-size:12px;font-weight:300;color:rgba(255,255,255,.38);text-decoration:none;line-height:2.3;cursor:pointer;transition:color .2s}
.flink:hover{color:rgba(255,255,255,.72)}
.footer-base{display:flex;justify-content:space-between;padding:18px 48px;font-size:11px;font-weight:300;color:rgba(255,255,255,.18)}

/* AUDIENCE CARDS */
.aud-sec{padding:96px 48px;background:var(--sand)}
.aud-header{margin-bottom:56px}
.aud-header span{display:block;margin-bottom:16px}
.aud-header h2{font-family:var(--serif);font-size:44px;font-weight:300;color:var(--charcoal)}
.agrid{display:grid;grid-template-columns:repeat(4,1fr);gap:2px}
.acard{background:var(--white);padding:28px 24px;transition:transform .2s,box-shadow .2s}
.acard:hover{transform:translateY(-4px);box-shadow:0 12px 32px rgba(0,0,0,.06)}
.an{font-family:var(--serif);font-size:20px;font-weight:400;color:var(--charcoal);margin:0 0 12px;line-height:1.3}
.ap{font-size:12px;font-weight:300;color:var(--mid);line-height:1.75}

@media(max-width:900px){
  .split,.form-split{grid-template-columns:1fr}
  .strip3,.agrid{grid-template-columns:1fr}
  .srow{grid-template-columns:40px 1fr}
  .srow>div:last-child{display:none}
  .ctaband{grid-template-columns:1fr}
  .footer-top{grid-template-columns:1fr 1fr}
  .topbar{padding:0 20px}
  .nav{padding:0 20px}
  .phero-body{padding:40px 24px}
  .phero-h{font-size:36px}
  .cmp-sec,.proc-sec,.pillars-sec,.aud-sec{padding:60px 24px}
  .frow{grid-template-columns:1fr}
  .ctable{display:block;overflow-x:auto}
}