/* BFF Financial Services — concept 1, "The Broker".
   An editorial direction: bone paper, deep navy ink, a brass rule.
   Design system is its own. Nothing here is shared with concepts 2 or 3.

   Colour notes. Brass #C08A3E is the decorative accent and is NOT used for
   text on the bone ground, where it only reaches about 3:1. --brass-txt is the
   same hue darkened until it clears 4.5:1 on bone, and --brass-lt is the light
   variant for the ink ground. Same discipline as the O.R. Healthcare build. */

:root{
  --bone:#F5F1E8;
  --bone-2:#EFE9DC;
  --ink:#101E2E;
  --ink-2:#1B2E42;
  --mute:#45586B;
  --brass:#C08A3E;
  --brass-txt:#8A5A16;   /* text on bone */
  --brass-lt:#DCA95F;    /* text on ink */
  --line:#D8CFBD;
  --line-dk:#2B3F55;
  --shell:min(100% - 40px, 1180px);
  --disp:"Instrument Serif",Georgia,serif;
  --body:"Work Sans",system-ui,-apple-system,sans-serif;
}

*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{
  margin:0;background:var(--bone);color:var(--ink);
  font-family:var(--body);font-size:17px;line-height:1.62;
  font-weight:400;letter-spacing:.002em;
  overflow-x:hidden;
}
img{max-width:100%;display:block;height:auto}
a{color:var(--brass-txt)}
h1,h2,h3,h4{font-family:var(--disp);font-weight:400;line-height:1.06;margin:0;letter-spacing:-.012em}
p{margin:0}
section[id]{scroll-margin-top:92px}
.wrap{width:var(--shell);margin-inline:auto}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* ---------- motion layer ---------- */
.reveal{opacity:0;transform:translateY(16px);filter:blur(6px);
  transition:opacity .7s cubic-bezier(.22,1,.36,1),transform .7s cubic-bezier(.22,1,.36,1),filter .7s}
.reveal.in{opacity:1;transform:none;filter:none}
.reveal.d1{transition-delay:.07s}.reveal.d2{transition-delay:.14s}.reveal.d3{transition-delay:.21s}
html.noanim .reveal{opacity:1!important;transform:none!important;filter:none!important;transition:none!important}
@media (prefers-reduced-motion:reduce){
  .reveal{opacity:1!important;transform:none!important;filter:none!important;transition:none!important}
}
.prog{position:fixed;top:0;left:0;height:2px;width:0;background:var(--brass);z-index:80;
  transition:width .12s linear;display:block}

/* ---------- header ---------- */
.hd{position:sticky;top:0;z-index:60;background:rgba(245,241,232,.88);
  backdrop-filter:blur(14px) saturate(150%);border-bottom:1px solid var(--line)}
.hd-in{display:flex;align-items:center;gap:22px;height:74px}
.brand{display:flex;align-items:center;flex:0 0 auto;text-decoration:none}
.brand img{height:42px;width:auto}
.nav{display:flex;gap:26px;margin-left:auto;align-items:center}
.nav a{font-size:14.5px;color:var(--ink);text-decoration:none;letter-spacing:.01em;
  padding:12px 2px;position:relative}
.nav a::after{content:"";position:absolute;left:0;right:100%;bottom:2px;height:1px;
  background:var(--brass);transition:right .3s}
.nav a:hover::after{right:0}
.hd-cta{flex:0 0 auto}
.burger{display:none;width:46px;height:46px;border:1px solid var(--line);background:transparent;
  border-radius:2px;margin-left:auto;position:relative;cursor:pointer;padding:0}
.burger span,.burger::before,.burger::after{content:"";position:absolute;left:12px;right:12px;height:1.5px;
  background:var(--ink);transition:transform .3s,opacity .2s}
.burger::before{top:16px}.burger span{top:22px}.burger::after{top:28px}
.burger[aria-expanded="true"]::before{transform:translateY(6px) rotate(45deg)}
.burger[aria-expanded="true"] span{opacity:0}
.burger[aria-expanded="true"]::after{transform:translateY(-6px) rotate(-45deg)}
.mnav{position:fixed;left:0;right:0;top:74px;background:var(--bone);border-bottom:1px solid var(--line);
  display:none;flex-direction:column;padding:8px 20px 22px;z-index:59;
  max-height:calc(100dvh - 74px);overflow-y:auto}
.mnav.open{display:flex}
.mnav a{padding:15px 4px;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink);font-size:17px}
.mnav .btn{margin-top:16px;justify-content:center}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;
  font-family:var(--body);font-size:15px;font-weight:600;letter-spacing:.01em;
  padding:14px 24px;border-radius:2px;text-decoration:none;border:1px solid transparent;
  cursor:pointer;transition:background .25s,color .25s,border-color .25s;min-height:48px}
.btn-pri{background:var(--ink);color:var(--bone);border-color:var(--ink)}
.btn-pri:hover{background:var(--ink-2)}
.btn-sec{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn-sec:hover{background:var(--ink);color:var(--bone)}
.btn-sm{padding:10px 18px;min-height:42px;font-size:14px}
.btn-gh{background:transparent;color:var(--brass-lt);border-color:rgba(220,169,95,.5)}
.btn-gh:hover{background:rgba(220,169,95,.12)}

/* ---------- hero ---------- */
.hero{position:relative;padding:76px 0 84px;border-bottom:1px solid var(--line);overflow:hidden}
.hero-in{display:grid;grid-template-columns:1.03fr .97fr;gap:56px;align-items:center}
.eyebrow{font-size:12.5px;letter-spacing:.19em;text-transform:uppercase;color:var(--brass-txt);
  font-weight:600;margin-bottom:20px}
.hero h1{font-size:clamp(46px,6.1vw,80px);letter-spacing:-.022em}
.hero h1 .em{color:var(--brass-txt);font-style:italic}
.hero-rule{width:78px;height:2px;background:var(--brass);margin:26px 0 24px}
.lede{font-size:18.5px;color:var(--mute);max-width:36em;line-height:1.66}
.facts{display:flex;flex-wrap:wrap;gap:8px;margin-top:28px;padding:0;list-style:none}
.facts li{font-size:12.5px;letter-spacing:.06em;text-transform:uppercase;font-weight:600;
  color:var(--ink);border:1px solid var(--line);background:var(--bone-2);
  padding:9px 13px;border-radius:2px}
.hero-fig{min-height:420px;position:relative}
.hero-fig svg{width:100%;height:auto;display:block}

/* word cascade */
[data-cascade] .wd{display:inline-block;opacity:0;transform:translateY(24px);
  animation:rise .8s cubic-bezier(.22,1,.36,1) forwards}
@keyframes rise{to{opacity:1;transform:none}}
html.noanim [data-cascade] .wd{opacity:1;transform:none;animation:none}

/* ---------- section furniture ---------- */
.sec{padding:88px 0;border-bottom:1px solid var(--line)}
.sec-ink{background:var(--ink);color:var(--bone);border-bottom-color:var(--line-dk)}
.sec-ink h2,.sec-ink h3,.sec-ink h4{color:var(--bone)}
.sec-ink .lede,.sec-ink p{color:#BDCBD9}
.sec-ink .eyebrow{color:var(--brass-lt)}
.shead{display:grid;grid-template-columns:200px 1fr;gap:40px;align-items:start;margin-bottom:52px}
.shead h2{font-size:clamp(32px,3.9vw,50px)}
.snum{font-size:12.5px;letter-spacing:.19em;text-transform:uppercase;color:var(--brass-txt);
  font-weight:600;padding-top:12px;border-top:2px solid var(--brass)}
.sec-ink .snum{color:var(--brass-lt)}

/* editorial rows, deliberately not a three card grid */
.rows{display:flex;flex-direction:column}
.row{display:grid;grid-template-columns:200px 1fr 300px;gap:40px;padding:34px 0;
  border-top:1px solid var(--line);align-items:start}
.sec-ink .row{border-top-color:var(--line-dk)}
.row:last-child{border-bottom:1px solid var(--line)}
.sec-ink .row:last-child{border-bottom-color:var(--line-dk)}
.row h3{font-size:29px;margin-bottom:10px}
.row .rk{font-size:12.5px;letter-spacing:.16em;text-transform:uppercase;font-weight:600;
  color:var(--brass-txt);padding-top:9px}
.sec-ink .row .rk{color:var(--brass-lt)}
.row p{color:var(--mute);font-size:16.5px}
.sec-ink .row p{color:#BDCBD9}
.row .rn{font-size:14.5px;color:var(--mute);border-left:2px solid var(--brass);padding-left:16px}
.sec-ink .row .rn{color:#BDCBD9;border-left-color:var(--brass-lt)}

/* steps */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:0}
.step{counter-increment:s;padding:30px 26px 30px 0;border-top:2px solid var(--brass);
  margin-right:26px}
.step::before{content:"0" counter(s);display:block;font-family:var(--disp);font-size:36px;
  color:var(--brass-lt);margin-bottom:12px;line-height:1}
.step h3{font-size:21px;margin-bottom:8px}
.step p{font-size:15.5px;color:#BDCBD9}

/* about */
.ab{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.ab-card{border:1px solid var(--line);background:var(--bone-2);padding:34px;border-radius:2px}
.ab-card h3{font-size:24px;margin-bottom:16px}
.cv{list-style:none;padding:0;margin:0}
.cv li{display:grid;grid-template-columns:118px 1fr;gap:16px;padding:14px 0;
  border-top:1px solid var(--line);font-size:15.5px}
.cv li:first-child{border-top:0}
.cv b{font-weight:600;color:var(--brass-txt);letter-spacing:.03em;font-size:13px;
  text-transform:uppercase;padding-top:3px}
.cv span{color:var(--mute)}

/* honest placeholder panel */
.draft{border:1px solid var(--brass);background:rgba(192,138,62,.09);padding:34px;border-radius:2px}
.draft h3{font-size:26px;margin-bottom:12px}
.draft>p{color:var(--mute);margin-bottom:20px;font-size:16.5px}
.draft ul{margin:0;padding:0;list-style:none;display:grid;gap:11px}
.draft li{display:grid;grid-template-columns:22px 1fr;gap:12px;font-size:15.5px;color:var(--ink);
  align-items:start}
.draft li i{width:9px;height:9px;background:var(--brass);border-radius:50%;margin-top:8px;
  display:block;font-style:normal}
.tagd{display:inline-block;font-size:11.5px;letter-spacing:.13em;text-transform:uppercase;
  font-weight:700;color:#6C4610;background:rgba(192,138,62,.24);padding:5px 10px;border-radius:2px;
  margin-bottom:16px}

/* faq */
.faq{max-width:860px}
.q{border-top:1px solid var(--line)}
.q:last-child{border-bottom:1px solid var(--line)}
.q button{width:100%;display:flex;justify-content:space-between;align-items:center;gap:20px;
  background:transparent;border:0;padding:24px 0;text-align:left;cursor:pointer;
  font-family:var(--disp);font-size:22px;color:var(--ink);line-height:1.2}
.q button::after{content:"";flex:0 0 auto;width:13px;height:13px;border-right:2px solid var(--brass);
  border-bottom:2px solid var(--brass);transform:rotate(45deg);transition:transform .3s;margin-bottom:5px}
.q[data-open] button::after{transform:rotate(-135deg);margin-bottom:0;margin-top:5px}
.q .a{max-height:0;overflow:hidden;transition:max-height .35s ease}
.q[data-open] .a{max-height:460px}
.q .a p{padding:0 0 24px;color:var(--mute);font-size:16.5px;max-width:64ch}

/* enquiry */
.ct{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.form-card{border:1px solid var(--line);background:var(--bone);border-radius:2px;overflow:hidden}
.form-logo{display:flex;align-items:center;justify-content:center;padding:22px;
  background:linear-gradient(180deg,rgba(192,138,62,.16),rgba(192,138,62,0))}
.form-logo img{height:74px;width:auto}
.form-body{padding:30px}
.fld{position:relative;margin-bottom:14px}
.fld input,.fld select,.fld textarea{width:100%;min-height:56px;border:1px solid var(--line);
  background:var(--bone-2);border-radius:2px;padding:22px 15px 8px;font-family:var(--body);
  font-size:16px;color:var(--ink);appearance:none}
.fld textarea{min-height:104px;padding-top:26px;resize:vertical}
.fld label{position:absolute;left:16px;top:17px;font-size:16px;color:var(--mute);
  pointer-events:none;transition:transform .18s,font-size .18s,color .18s;transform-origin:left top}
.fld input:focus+label,.fld input:not(:placeholder-shown)+label,
.fld textarea:focus+label,.fld textarea:not(:placeholder-shown)+label,
.fld select:focus+label,.fld select[data-filled]+label{
  transform:translateY(-11px) scale(.74);color:var(--brass-txt)}
.fld select+label{transform:translateY(-11px) scale(.74);color:var(--brass-txt)}
.fld input:focus,.fld select:focus,.fld textarea:focus{outline:2px solid var(--brass);outline-offset:1px}
.fnote{font-size:13px;color:var(--mute);margin-top:14px;line-height:1.5}
.ok{display:none;gap:12px;align-items:flex-start;border:1px solid #2F6E4E;
  background:rgba(47,110,78,.1);padding:16px;border-radius:2px;margin-top:14px;font-size:15px}
.ok[data-on]{display:flex}
.ok[hidden]{display:none}
.ok i{width:20px;height:20px;flex:0 0 auto;border-radius:50%;background:#2F6E4E;position:relative;margin-top:2px}
.ok i::after{content:"";position:absolute;left:6.5px;top:3px;width:5px;height:10px;
  border-right:2px solid #fff;border-bottom:2px solid #fff;transform:rotate(45deg)}

/* footer */
.ft{background:var(--ink);color:#BDCBD9;padding:66px 0 0}
.ft-top{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:44px;padding-bottom:44px}
.ft img.fmark{height:66px;width:auto;margin-bottom:18px}
.ft h4{font-size:13px;letter-spacing:.15em;text-transform:uppercase;color:var(--brass-lt);
  font-family:var(--body);font-weight:700;margin-bottom:16px}
.ft a{color:#BDCBD9;text-decoration:none;display:inline-block;padding:10px 0;font-size:15px}
.ft a:hover{color:var(--bone)}
.ft ul{list-style:none;margin:0;padding:0}
.ft-bot{border-top:1px solid var(--line-dk);padding:22px 0;display:flex;flex-wrap:wrap;gap:14px;
  justify-content:space-between;align-items:center;font-size:14px}
/* .ft a is (0,1,1) and would beat a bare .by (0,1,0), taking the attribution
   tap target back under 40px. Scope it so it wins. Same bite as Glow. */
.ft-bot .by{text-decoration:none;color:#BDCBD9;font-family:var(--body);font-size:14px;
  padding:12px 0;display:inline-block;line-height:1.5}
.ft-bot .by b{color:var(--brass-lt);font-weight:700}
.disc{border-top:1px solid var(--line-dk);padding:22px 0 40px;font-size:12.5px;color:#8FA2B4;
  line-height:1.65;max-width:none}

/* pinned mobile bar */
.pin{position:fixed;left:0;right:0;bottom:0;z-index:70;display:none;gap:10px;padding:11px 16px
  calc(11px + env(safe-area-inset-bottom));
  background:rgba(16,30,46,.86);backdrop-filter:blur(20px) saturate(160%);
  border-top:1px solid rgba(220,169,95,.34);transform:translateY(110%);transition:transform .32s}
.pin.on{transform:none}
.pin .btn{flex:1 1 0;min-height:50px}
.pin .btn-pri{background:var(--brass);color:#231705;border-color:var(--brass)}
.pin .btn-gh{color:#F0E2CB;border-color:rgba(240,226,203,.45)}
.flash{animation:flash 1.5s ease}
@keyframes flash{0%,100%{box-shadow:0 0 0 0 rgba(192,138,62,0)}30%{box-shadow:0 0 0 5px rgba(192,138,62,.5)}}

/* ---------- responsive ---------- */
@media (max-width:1000px){
  .hero-in{grid-template-columns:1fr;gap:40px}
  .row{grid-template-columns:150px 1fr;gap:24px}
  .row .rn{grid-column:2;border-left:0;border-top:1px solid var(--line);padding:14px 0 0}
  .sec-ink .row .rn{border-top-color:var(--line-dk)}
  .steps{grid-template-columns:1fr 1fr}
  .ab,.ct{grid-template-columns:1fr;gap:36px}
  .shead{grid-template-columns:1fr;gap:14px;margin-bottom:36px}
  .ft-top{grid-template-columns:1fr 1fr}
}
@media (max-width:860px){
  .nav,.hd-cta{display:none}
  .burger{display:block}
}
@media (max-width:640px){
  body{font-size:16px}
  section[id]{scroll-margin-top:84px}
  .hero{padding:44px 0 56px}
  .hero-fig{display:none}
  .hero h1{font-size:clamp(38px,10.4vw,50px)}
  .lede{font-size:17px}
  .sec{padding:56px 0}
  .row{grid-template-columns:1fr;gap:10px;padding:26px 0}
  .row .rk{padding-top:0}
  .row .rn{grid-column:1}
  .steps{grid-template-columns:1fr}
  .step{margin-right:0;padding:24px 0}
  .ft-top{grid-template-columns:1fr;gap:30px}
  .ft-bot{flex-direction:column;align-items:flex-start;gap:4px}
  .pin{display:flex}
  body{padding-bottom:78px}
  .form-body,.ab-card,.draft{padding:24px}
  .cv li{grid-template-columns:1fr;gap:2px}
  .cv b{padding-top:0}
  .q button{font-size:19px}
  .facts li{font-size:11.5px}
}