/* ============================================================
   Apex Wealth Advisors. Direction 1: Editorial Institutional
   Source Serif 4 display + Inter body. White ground, #4d4d4f
   dominant text, #009adb reserved for CTAs/links/one hero rule.
   Hairlines instead of boxes. Numbered editorial section markers.
   ============================================================ */

:root {
  --grey: #4d4d4f;
  --blue: #009adb;
  --blue-ink: #0a6f9c;      /* darkened blue that passes AA on white for body links */
  --light: #d0d0d0;
  --near-black: #1a1a1c;
  --white: #ffffff;
  --paper: #faf9f7;          /* faint warm off-white editorial ground */
  --hairline: #d0d0d0;
  --muted: #6f6f72;

  --serif: "Source Serif 4", Georgia, "Times New Roman", serif;
  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;

  --maxw: 1240px;
  --measure: 68ch;

  /* type scale (major third): 16 20 25 31 39 49 61 */
  --t-0: 1rem;       /* 16 */
  --t-1: 1.25rem;    /* 20 */
  --t-2: 1.5625rem;  /* 25 */
  --t-3: 1.9375rem;  /* 31 */
  --t-4: 2.4375rem;  /* 39 */
  --t-5: 3.0625rem;  /* 49 */
  --t-6: 3.8125rem;  /* 61 */

  --s-1: 8px;
  --s-2: 16px;
  --s-3: 24px;
  --s-4: 32px;
  --s-5: 48px;
  --s-6: 64px;
  --s-7: 96px;
  --s-8: 128px;
}

/* ---------- reset-ish ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--sans);
  font-size: 1.0625rem;      /* 17px body */
  line-height: 1.6;
  color: var(--grey);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; display: block; height: auto; }
a { color: var(--blue-ink); }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
  }
}

/* ---------- layout primitives ---------- */
.wrap {
  width: 100%;
  max-width: var(--maxw);
  margin-inline: auto;
  padding-inline: var(--s-3);
}
@media (min-width: 720px) { .wrap { padding-inline: var(--s-5); } }

.section {
  padding-block: var(--s-6);
  border-top: 1px solid var(--hairline);
}
@media (min-width: 900px) {
  .section { padding-block: var(--s-7); }
}
.section--tight { padding-block: var(--s-5); }
.section--plain { border-top: 0; }

/* editorial section marker: 01 / 02 / 03 */
.marker {
  font-family: var(--sans);
  font-size: var(--t-0);
  font-weight: 600;
  letter-spacing: 0.02em;
  color: var(--blue);
  font-variant-numeric: tabular-nums;
}
.eyebrow {
  font-family: var(--sans);
  font-size: 0.8125rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--muted);
  margin: 0;
}

/* editorial two-column head: marker/eyebrow left, content right */
.editorial {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-4);
}
@media (min-width: 900px) {
  .editorial {
    grid-template-columns: 3.5rem 1fr;
    column-gap: var(--s-5);
    align-items: start;
  }
  .editorial > .editorial__aside { grid-column: 1; }
  .editorial > .editorial__body { grid-column: 2; }
}
.editorial__aside {
  display: flex;
  flex-direction: column;
  gap: var(--s-1);
}

/* ---------- headings ---------- */
h1, h2, h3, h4 {
  font-family: var(--serif);
  color: var(--near-black);
  font-weight: 600;
  line-height: 1.15;
  margin: 0 0 var(--s-3) 0;
  letter-spacing: -0.01em;
}
h2 { font-size: clamp(var(--t-3), 4vw, var(--t-5)); }
h3 { font-size: var(--t-2); line-height: 1.2; }
h4 { font-size: var(--t-1); line-height: 1.25; }

p { margin: 0 0 var(--s-3) 0; max-width: var(--measure); }
.lede {
  font-size: clamp(var(--t-1), 2.2vw, var(--t-2));
  line-height: 1.5;
  color: var(--grey);
}
.measure { max-width: var(--measure); }

/* ---------- links ---------- */
.link {
  color: var(--blue-ink);
  text-decoration: none;
  background-image: linear-gradient(currentColor, currentColor);
  background-position: 0 100%;
  background-repeat: no-repeat;
  background-size: 100% 1px;
  transition: background-size 0.3s ease, color 0.2s ease;
  padding-bottom: 1px;
}
.link:hover { background-size: 100% 2px; }
a:focus-visible,
button:focus-visible,
input:focus-visible,
textarea:focus-visible,
.btn:focus-visible {
  outline: 3px solid var(--blue);
  outline-offset: 3px;
  border-radius: 2px;
}

/* ---------- buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.6em;
  font-family: var(--sans);
  font-weight: 600;
  font-size: var(--t-0);
  line-height: 1;
  text-decoration: none;
  border: 1px solid transparent;
  padding: 0.9em 1.5em;
  cursor: pointer;
  transition: background-color 0.2s ease, color 0.2s ease, border-color 0.2s ease, transform 0.2s ease;
}
.btn--primary {
  background: var(--blue);
  color: #fff;
  border-color: var(--blue);
}
.btn--primary:hover { background: var(--blue-ink); border-color: var(--blue-ink); }
.btn--ghost {
  background: transparent;
  color: var(--grey);
  border-color: var(--light);
}
.btn--ghost:hover { border-color: var(--grey); color: var(--near-black); }
.btn .arrow { transition: transform 0.2s ease; }
.btn:hover .arrow { transform: translateX(3px); }

/* ---------- header / nav ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,0.92);
  backdrop-filter: saturate(140%) blur(8px);
  border-bottom: 1px solid var(--hairline);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--s-3);
  min-height: 68px;
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  text-decoration: none;
  color: var(--near-black);
}
.brand img { width: 34px; height: auto; }
.brand__name {
  font-family: var(--serif);
  font-weight: 600;
  font-size: var(--t-1);
  letter-spacing: -0.01em;
  white-space: nowrap;
}
.nav__links {
  display: flex;
  align-items: center;
  gap: var(--s-4);
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav__links a {
  font-family: var(--sans);
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--grey);
  text-decoration: none;
  position: relative;
  padding: 0.25rem 0;
}
.nav__links a[aria-current="page"] { color: var(--near-black); }
.nav__links a::after {
  content: "";
  position: absolute;
  left: 0; right: 100%;
  bottom: -2px;
  height: 1.5px;
  background: var(--blue);
  transition: right 0.28s ease;
}
.nav__links a:hover::after,
.nav__links a[aria-current="page"]::after { right: 0; }
.nav__cta { margin-left: var(--s-2); }

.nav__toggle {
  display: none;
  background: none;
  border: 1px solid var(--light);
  padding: 0.5rem 0.7rem;
  cursor: pointer;
  color: var(--grey);
  font-size: 0.9rem;
}

@media (max-width: 860px) {
  .nav__toggle { display: inline-flex; align-items: center; gap: 0.4rem; }
  .nav__links {
    position: absolute;
    top: 68px; left: 0; right: 0;
    flex-direction: column;
    align-items: flex-start;
    gap: 0;
    background: var(--white);
    border-bottom: 1px solid var(--hairline);
    padding: var(--s-2) var(--s-3);
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease;
  }
  .nav__links.open { max-height: 420px; }
  .nav__links li { width: 100%; border-top: 1px solid var(--hairline); }
  .nav__links li:first-child { border-top: 0; }
  .nav__links a { display: block; width: 100%; padding: 0.9rem 0; }
  .nav__links a::after { display: none; }
  .nav__cta { margin: var(--s-2) 0; }
}

/* ---------- hero (type-led, faint concrete texture) ---------- */
.hero {
  position: relative;
  background:
    linear-gradient(180deg, rgba(255,255,255,0.94), rgba(250,249,247,0.97)),
    url("/assets/stock/texture-concrete-01.jpg");
  background-size: cover;
  background-position: center;
  border-bottom: 1px solid var(--hairline);
}
.hero__inner {
  padding-block: clamp(var(--s-6), 12vw, calc(var(--s-8) + 16px));
  display: grid;
  gap: var(--s-4);
}
.hero__rule {
  width: 64px;
  height: 3px;
  background: var(--blue);
  margin-bottom: var(--s-1);
}
.hero h1 {
  font-size: clamp(var(--t-4), 6.4vw, var(--t-6));
  line-height: 1.08;
  letter-spacing: -0.02em;
  max-width: 20ch;
  margin: 0;
}
.hero__sub {
  font-size: clamp(var(--t-1), 2.1vw, var(--t-2));
  line-height: 1.5;
  color: var(--grey);
  max-width: 60ch;
  margin: 0;
}
.hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--s-2);
  align-items: center;
  margin-top: var(--s-2);
}

/* page hero (interior). smaller, type-led */
.page-hero {
  border-bottom: 1px solid var(--hairline);
  background: var(--paper);
}
.page-hero__inner {
  padding-block: clamp(var(--s-6), 9vw, var(--s-7));
  display: grid;
  gap: var(--s-3);
}
.page-hero .eyebrow { margin-bottom: 0; }
.page-hero h1 {
  font-size: clamp(var(--t-4), 5.4vw, var(--t-6));
  line-height: 1.1;
  max-width: 18ch;
  margin: 0;
}
.page-hero__intro {
  font-size: clamp(var(--t-1), 1.9vw, var(--t-2));
  line-height: 1.5;
  color: var(--grey);
  max-width: 62ch;
  margin: var(--s-1) 0 0;
}

/* ---------- pull quote ---------- */
.pullquote {
  font-family: var(--serif);
  font-size: clamp(var(--t-2), 3.4vw, var(--t-4));
  line-height: 1.25;
  color: var(--near-black);
  border-left: 3px solid var(--blue);
  padding-left: var(--s-4);
  margin: 0;
  max-width: 26ch;
}

/* ---------- three-up reasons (hairline separated, no boxes) ---------- */
.reasons {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0;
  margin-top: var(--s-5);
}
@media (min-width: 820px) {
  .reasons { grid-template-columns: repeat(3, 1fr); gap: 0; }
}
.reason {
  padding: var(--s-4) 0;
  border-top: 1px solid var(--hairline);
}
@media (min-width: 820px) {
  .reason {
    padding: var(--s-3) var(--s-4) var(--s-4) 0;
    border-top: 2px solid var(--near-black);
    border-right: 1px solid var(--hairline);
  }
  .reason:last-child { border-right: 0; padding-right: 0; }
  .reason + .reason { padding-left: var(--s-4); }
}
.reason__num {
  font-family: var(--sans);
  font-weight: 600;
  font-size: 0.8125rem;
  letter-spacing: 0.06em;
  color: var(--blue);
  font-variant-numeric: tabular-nums;
  margin-bottom: var(--s-2);
}
.reason h3 { margin-bottom: var(--s-2); font-size: var(--t-1); }
.reason p { font-size: var(--t-0); color: var(--grey); margin: 0; }

/* ---------- services as an editorial list-table ---------- */
.services {
  margin-top: var(--s-4);
  border-top: 1px solid var(--hairline);
}
.service {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-1);
  padding: var(--s-4) 0;
  border-bottom: 1px solid var(--hairline);
}
@media (min-width: 820px) {
  .service {
    grid-template-columns: 3rem minmax(14rem, 20rem) 1fr;
    column-gap: var(--s-5);
    align-items: baseline;
    padding: var(--s-4) 0;
  }
}
.service__num {
  font-family: var(--sans);
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--blue);
  font-variant-numeric: tabular-nums;
}
.service__label {
  font-family: var(--serif);
  font-size: var(--t-2);
  line-height: 1.2;
  color: var(--near-black);
  font-weight: 600;
}
.service__text { font-size: var(--t-0); color: var(--grey); margin: 0; max-width: 52ch; }

/* ---------- prose blocks ---------- */
.prose p { max-width: var(--measure); }
.prose p + p { margin-top: 0; }

/* two-column feature (text + optional supporting note) */
.feature {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-5);
}
@media (min-width: 960px) {
  .feature { grid-template-columns: 1.4fr 1fr; column-gap: var(--s-6); align-items: start; }
}
.feature__note {
  border-top: 2px solid var(--near-black);
  padding-top: var(--s-3);
}
.feature__note .eyebrow { margin-bottom: var(--s-2); }
.feature__note p { font-size: var(--t-0); }

/* ---------- CTA band ---------- */
.cta-band { background: var(--paper); border-top: 1px solid var(--hairline); }
.cta-band__inner {
  padding-block: var(--s-7);
  display: grid;
  gap: var(--s-3);
  max-width: 60ch;
}
.cta-band h2 { margin-bottom: var(--s-1); }

/* ---------- alts categories ---------- */
.cats { margin-top: var(--s-4); border-top: 1px solid var(--hairline); }
.cat {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-1);
  padding: var(--s-4) 0;
  border-bottom: 1px solid var(--hairline);
}
@media (min-width: 820px) {
  .cat { grid-template-columns: minmax(16rem, 22rem) 1fr; column-gap: var(--s-5); align-items: baseline; }
}
.cat__label {
  font-family: var(--serif);
  font-size: var(--t-1);
  color: var(--near-black);
  font-weight: 600;
}
.cat__text { font-size: var(--t-0); color: var(--grey); margin: 0; }

/* risk block. prominent on the page itself */
.risk {
  background: var(--near-black);
  color: #e9e9ea;
}
.risk .wrap { padding-block: var(--s-6); }
.risk h2 { color: #fff; }
.risk .eyebrow { color: #9a9a9e; }
.risk p { color: #cfcfd2; max-width: 74ch; font-size: var(--t-0); }
.risk .marker { color: var(--blue); }

/* ---------- team ---------- */
.partners { display: grid; gap: 0; }
.partner {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-4);
  padding: var(--s-6) 0;
  border-top: 1px solid var(--hairline);
}
@media (min-width: 860px) {
  .partner {
    grid-template-columns: 300px 1fr;
    column-gap: var(--s-6);
    align-items: start;
  }
  .partner--flip { grid-template-columns: 1fr 300px; }
  .partner--flip .partner__media { grid-column: 2; grid-row: 1; }
  .partner--flip .partner__body { grid-column: 1; grid-row: 1; }
}
.partner__media { position: relative; }
.partner__media img {
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  filter: grayscale(100%) contrast(1.02);
  transition: filter 0.4s ease;
  border-top: 3px solid var(--blue);
}
.partner__media:hover img { filter: grayscale(0%); }
.partner__swap {
  font-family: var(--sans);
  font-size: 0.72rem;
  color: var(--muted);
  margin-top: var(--s-1);
  letter-spacing: 0.02em;
}
.partner__name { font-size: var(--t-3); margin-bottom: 2px; }
.partner__title {
  font-family: var(--sans);
  font-size: 0.8125rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--blue-ink);
  margin: 0 0 var(--s-1);
}
.partner__loc {
  font-family: var(--sans);
  font-size: 0.95rem;
  color: var(--muted);
  margin: 0 0 var(--s-3);
}
.partner__bio { font-size: var(--t-0); color: var(--grey); }

/* ---------- contact form ---------- */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-6);
}
@media (min-width: 900px) {
  .contact-grid { grid-template-columns: 1fr 1fr; column-gap: var(--s-6); align-items: start; }
}
.form { display: grid; gap: var(--s-3); max-width: 34rem; }
.field { display: grid; gap: 0.4rem; }
.field label {
  font-family: var(--sans);
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--grey);
}
.field .req { color: var(--blue-ink); }
.field input,
.field textarea {
  font-family: var(--sans);
  font-size: var(--t-0);
  color: var(--near-black);
  padding: 0.8em 0.9em;
  border: 1px solid var(--light);
  background: #fff;
  border-radius: 0;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}
.field input:focus,
.field textarea:focus {
  border-color: var(--blue);
  outline: none;
  box-shadow: 0 0 0 3px rgba(0,154,219,0.15);
}
.field textarea { resize: vertical; min-height: 8rem; }
.form__reassure { font-size: 0.95rem; color: var(--muted); margin: 0; }
.contact-aside dt {
  font-family: var(--sans);
  font-size: 0.8125rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--muted);
  margin-top: var(--s-3);
}
.contact-aside dd { margin: 0.2rem 0 0; font-size: var(--t-1); }
.contact-aside dd a { color: var(--near-black); text-decoration: none; }
.contact-aside dd a:hover { color: var(--blue-ink); }
.contact-note { font-size: 0.95rem; color: var(--muted); margin-top: var(--s-4); max-width: 42ch; }

/* ---------- eligibility callout ---------- */
.callout {
  border: 1px solid var(--hairline);
  border-left: 3px solid var(--blue);
  padding: var(--s-4);
  background: var(--paper);
}
.callout p:last-child { margin-bottom: 0; }

/* ---------- footer ---------- */
.site-footer {
  background: var(--near-black);
  color: #cfcfd2;
  border-top: 3px solid var(--blue);
}
.site-footer .wrap { padding-block: var(--s-6); }
.footer-top {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-5);
}
@media (min-width: 820px) {
  .footer-top { grid-template-columns: 1.2fr 1fr 1fr; column-gap: var(--s-5); }
}
.footer-brand img { width: 116px; margin-bottom: var(--s-3); }
.footer-brand p { font-size: 0.9rem; color: #9a9a9e; max-width: 34ch; }
.footer-col h4 {
  font-family: var(--sans);
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: #8f8f93;
  margin: 0 0 var(--s-2);
}
.footer-col ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.55rem; }
.footer-col a {
  color: #d6d6d9;
  text-decoration: none;
  font-size: 0.95rem;
}
.footer-col a:hover { color: var(--blue); text-decoration: underline; text-underline-offset: 3px; }
.footer-contact p { margin: 0.2rem 0; font-size: 0.95rem; }
.footer-contact a { color: #d6d6d9; text-decoration: none; }
.footer-contact a:hover { color: var(--blue); }

.footer-legal {
  border-top: 1px solid #333336;
  margin-top: var(--s-6);
  padding-top: var(--s-5);
  display: grid;
  gap: var(--s-3);
}
.disclaimer { font-size: 0.8rem; line-height: 1.55; color: #9a9a9e; max-width: 90ch; margin: 0; }
.disclosure { font-size: 0.8rem; line-height: 1.55; color: #b6b6b9; max-width: 90ch; margin: 0; }
.footer-bottom {
  display: flex;
  flex-wrap: wrap;
  gap: var(--s-2) var(--s-4);
  align-items: center;
  justify-content: space-between;
  font-size: 0.8rem;
  color: #8f8f93;
}
.footer-bottom .compare { color: #8f8f93; text-decoration: none; }
.footer-bottom .compare:hover { color: var(--blue); text-decoration: underline; }

/* ---------- utilities ---------- */
.visually-hidden {
  position: absolute !important;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0);
  white-space: nowrap; border: 0;
}
.skip-link {
  position: absolute;
  left: -999px;
  top: 0;
  background: var(--near-black);
  color: #fff;
  padding: 0.7rem 1rem;
  z-index: 200;
}
.skip-link:focus { left: 0; }

/* scroll reveal */
.reveal { opacity: 1; transform: none; }
.js .reveal {
  opacity: 0;
  transform: translateY(16px);
  transition: opacity 0.7s ease, transform 0.7s ease;
  will-change: opacity, transform;
}
.reveal.is-in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
}