/* =========================================================
   HORIZON POINT ADVISORS — design system
   Display: Newsreader (serif, editorial, warm)
   Body/UI: Manrope
   Signature motif: horizon line + vertical rule "ledger" rows,
   full-bleed color bands, alternating editorial rows.
   ========================================================= */

:root{
  --paper:#FAF7EF;
  --paper-2:#F0EADB;
  --card:#FFFFFF;
  --ink:#182420;
  --muted:#5B6960;
  --muted-2:#8C978D;
  --line:#E3DCC9;
  --line-soft:#EDE7D6;
  --forest:#1F4B41;
  --forest-deep:#122E28;
  --forest-tint:#E7EFEC;
  --clay:#C1602E;
  --clay-deep:#8F4620;
  --gold:#C79A4B;

  --serif:'Newsreader', Georgia, serif;
  --sans:'Manrope', -apple-system, BlinkMacSystemFont, sans-serif;

  --max:1240px;
}

*{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;overflow-x:hidden;}
body{
  background:var(--paper);
  color:var(--ink);
  font-family:var(--sans);
  font-size:17px;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
  width:100%;
}
img{max-width:100%;display:block;}
a{color:inherit;text-decoration:none;}
ul{list-style:none;}
button{font-family:inherit;}
.wrap{max-width:var(--max);margin:0 auto;padding:0 40px;}
@media(max-width:640px){.wrap{padding:0 22px;}}
::selection{background:var(--clay);color:#fff;}

h1,h2,h3,h4{font-family:var(--serif);font-weight:600;letter-spacing:-0.01em;color:var(--ink);}
h1{font-size:56px;line-height:1.08;}
h2{font-size:34px;line-height:1.18;}
h3{font-size:21px;line-height:1.32;}
p{color:var(--muted);}
p.lede{font-size:19px;line-height:1.62;color:#455049;}
strong{color:var(--ink);}
@media(max-width:760px){h1{font-size:36px;}h2{font-size:27px;}}

/* ---------- eyebrow / labels ---------- */
.eyebrow{
  display:inline-flex;align-items:center;gap:10px;
  font-family:var(--sans);font-size:12.5px;font-weight:800;letter-spacing:0.12em;text-transform:uppercase;
  color:var(--clay-deep);margin-bottom:16px;
}
.eyebrow::before{content:'';width:26px;height:2px;background:var(--clay);}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;gap:8px;
  padding:15px 28px;font-size:14.5px;font-weight:700;font-family:var(--sans);
  border-radius:3px;border:1px solid transparent;cursor:pointer;
  transition:all .18s ease;white-space:nowrap;
}
.btn-primary{background:var(--clay);color:#fff;}
.btn-primary:hover{background:var(--clay-deep);}
.btn-outline{border-color:var(--line);color:var(--ink);background:transparent;}
.btn-outline:hover{border-color:var(--forest);color:var(--forest);}
.btn-outline-light{border-color:rgba(255,255,255,0.4);color:#fff;background:transparent;}
.btn-outline-light:hover{border-color:#fff;background:rgba(255,255,255,0.08);}
.btn-ghost{color:var(--forest);border-bottom:2px solid var(--clay);border-radius:0;padding:4px 0;font-weight:700;}
.btn-ghost:hover{color:var(--clay-deep);}
.btn-sm{padding:11px 20px;font-size:13.5px;}
.btn-block{width:100%;justify-content:center;}

/* ---------- header (two-tier) ---------- */
.hp-topbar{background:var(--forest-deep);color:#CFE0D9;font-size:12.5px;}
.hp-topbar .wrap{display:flex;justify-content:space-between;align-items:center;padding:9px 40px;gap:16px;flex-wrap:wrap;}
.hp-topbar a{color:#CFE0D9;transition:color .15s;}
.hp-topbar a:hover{color:#fff;}
.topbar-left{display:flex;gap:22px;flex-wrap:wrap;}
.topbar-left span{opacity:.85;}
@media(max-width:640px){.topbar-left span.hide-mobile{display:none;}}

header.site-header{position:sticky;top:0;z-index:80;background:rgba(250,247,239,0.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:12px 0;gap:24px;}
.logo{display:flex;align-items:center;gap:10px;}
.logo img{height:64px;width:auto;}
@media(max-width:860px){.logo img{height:54px;}}
@media(max-width:640px){.logo img{height:46px;}}
nav.primary-nav{display:flex;align-items:center;gap:26px;}
nav.primary-nav a{font-size:14.5px;font-weight:600;color:var(--muted);transition:color .15s;position:relative;}
nav.primary-nav a:hover,nav.primary-nav a.active{color:var(--forest);}
nav.primary-nav a.active::after{content:'';position:absolute;left:0;right:0;bottom:-20px;height:2px;background:var(--clay);}
.header-right{display:flex;align-items:center;gap:16px;}
.header-cta{display:flex;align-items:center;gap:16px;}
.header-phone-link{font-size:13.5px;font-weight:700;color:var(--forest);}
.nav-toggle{display:none;background:none;border:1px solid var(--line);color:var(--ink);padding:9px 11px;border-radius:3px;cursor:pointer;font-size:16px;}
@media(max-width:1060px){
  nav.primary-nav{position:fixed;top:0;left:0;right:0;bottom:0;background:var(--paper);flex-direction:column;align-items:flex-start;padding:120px 32px 32px;gap:24px;transform:translateX(100%);transition:transform .25s ease;overflow-y:auto;z-index:90;}
  nav.primary-nav.open{transform:translateX(0);}
  nav.primary-nav a{font-size:22px;font-family:var(--serif);font-weight:600;}
  .nav-toggle{display:block;position:relative;z-index:95;}
  .header-cta{display:none;}
}

/* ---------- footer ---------- */
footer{background:var(--forest-deep);color:#CBDAD3;padding:0 0 0;position:relative;}
.footer-wave{display:block;width:100%;height:auto;margin-bottom:-1px;}
.footer-top{padding:64px 0 48px;}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr 1.1fr;gap:40px;}
.footer-brand img{height:46px;width:auto;margin-bottom:16px;}
.footer-brand p{margin-top:14px;max-width:260px;font-size:13.5px;color:#9FB6AC;}
.footer-col h4{font-family:var(--sans);font-size:12px;letter-spacing:0.1em;text-transform:uppercase;color:var(--gold);margin-bottom:18px;font-weight:800;}
.footer-col a{display:block;font-size:14px;color:#B7CAC1;margin-bottom:11px;transition:color .15s;}
.footer-col a:hover{color:#fff;}
.footer-newsletter form{display:flex;flex-direction:column;gap:10px;margin-top:6px;}
.footer-newsletter input{background:rgba(255,255,255,0.06);border:1px solid rgba(255,255,255,0.18);color:#fff;padding:11px 13px;border-radius:3px;font-size:13.5px;font-family:var(--sans);}
.footer-newsletter input::placeholder{color:#9FB6AC;}
.footer-newsletter p{font-size:12.5px;color:#8FA69C;margin-top:4px;}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.1);padding:26px 0;display:flex;justify-content:space-between;flex-wrap:wrap;gap:14px;font-size:12.5px;color:#8FA69C;}
.footer-bottom a{color:#8FA69C;}
.footer-bottom a:hover{color:#fff;}
.footer-disclosure{max-width:1000px;font-size:11.5px;color:#71897E;line-height:1.7;padding:0 0 32px;}
@media(max-width:980px){.footer-grid{grid-template-columns:1fr 1fr 1fr;}}
@media(max-width:640px){.footer-grid{grid-template-columns:1fr 1fr;}}

/* ---------- home hero: full-bleed dark band ---------- */
.hero-band{background:var(--forest);color:#F3EFE2;padding:76px 0 0;position:relative;overflow:hidden;}
.hero-band::after{content:'';position:absolute;left:0;right:0;bottom:0;height:1px;background:rgba(255,255,255,0.12);}
.hero-grid{display:grid;grid-template-columns:1.25fr 0.9fr;gap:64px;align-items:start;padding-bottom:56px;}
.hero-grid h1{color:#fff;max-width:640px;font-size:52px;}
.hero-grid h1 em{font-style:italic;color:#E4B679;font-weight:500;}
.hero-grid .lede{color:#CBDAD3;max-width:480px;margin:22px 0 34px;font-size:18px;}
.hero-grid .eyebrow{color:#E4B679;}
.hero-grid .eyebrow::before{background:#E4B679;}
.hero-actions{display:flex;gap:16px;flex-wrap:wrap;}
.stat-ledger{border-top:1px solid rgba(255,255,255,0.18);}
.ledger-row{display:flex;justify-content:space-between;align-items:baseline;padding:18px 0;border-bottom:1px solid rgba(255,255,255,0.14);gap:18px;}
.ledger-row .lg-num{font-family:var(--serif);font-size:30px;color:#fff;flex-shrink:0;}
.ledger-row .lg-label{font-size:13px;color:#AFC4BB;text-align:right;max-width:240px;}
@media(max-width:920px){
  .hero-grid{grid-template-columns:1fr;gap:36px;}
  .hero-grid h1{font-size:38px;}
}

/* ---------- quick-jump pill strip ---------- */
.pill-strip{background:var(--paper-2);border-bottom:1px solid var(--line);padding:16px 0;overflow-x:auto;}
.pill-strip .wrap{display:flex;gap:10px;flex-wrap:nowrap;}
.pill{flex-shrink:0;font-size:13px;font-weight:700;color:var(--forest);background:#fff;border:1px solid var(--line);padding:9px 16px;border-radius:999px;white-space:nowrap;transition:all .15s;}
.pill:hover{border-color:var(--clay);color:var(--clay-deep);}

/* ---------- page hero (interior) ---------- */
.page-hero{padding:56px 0 48px;background:var(--paper-2);border-bottom:1px solid var(--line);}
.page-hero h1{max-width:760px;}
.page-hero .lede{max-width:600px;margin-top:18px;}
.crumb{font-size:12.5px;font-weight:700;color:var(--muted-2);margin-bottom:22px;text-transform:uppercase;letter-spacing:0.05em;}
.crumb a:hover{color:var(--clay-deep);}

/* ---------- sections ---------- */
section{padding:88px 0;}
.section-head{display:flex;justify-content:space-between;align-items:flex-end;gap:32px;margin-bottom:48px;}
.section-head p{max-width:340px;font-size:14.5px;}
.section-head h2{max-width:560px;}
.section-alt{background:var(--paper-2);}
.section-dark{background:var(--forest);color:#F3EFE2;}
.section-dark h2,.section-dark h3{color:#fff;}
.section-dark p{color:#B9CCC3;}
@media(max-width:760px){.section-head{flex-direction:column;align-items:flex-start;}section{padding:60px 0;}}

/* ---------- editorial rows (services index) ---------- */
.editorial-list{border-top:1px solid var(--line);}
.editorial-row{display:grid;grid-template-columns:120px 1fr auto;gap:32px;align-items:center;padding:38px 0;border-bottom:1px solid var(--line);position:relative;transition:background .15s;}
.editorial-row:hover{background:rgba(31,75,65,0.03);}
.editorial-row .e-num{font-family:var(--serif);font-size:44px;color:var(--line);font-weight:500;line-height:1;}
.editorial-row .e-body h3{margin-bottom:8px;font-size:23px;}
.editorial-row .e-body p{max-width:560px;font-size:15px;}
.editorial-row .go{font-size:13.5px;font-weight:700;color:var(--clay-deep);white-space:nowrap;}
.editorial-row .go::after{content:'→';margin-left:6px;}
@media(max-width:760px){
  .editorial-row{grid-template-columns:56px 1fr;}
  .editorial-row .e-num{font-size:30px;}
  .editorial-row .go{grid-column:2;margin-top:8px;}
}

/* ---------- vertical stepper (process) ---------- */
.stepper{display:flex;flex-direction:column;}
.step-row{display:grid;grid-template-columns:56px 1fr;gap:24px;}
.step-rail{display:flex;flex-direction:column;align-items:center;}
.step-dot{width:36px;height:36px;border-radius:50%;background:var(--forest);color:#fff;display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-size:15px;flex-shrink:0;}
.step-line{width:1px;flex:1;background:var(--line);min-height:36px;}
.step-row:last-child .step-line{display:none;}
.step-content{padding-bottom:44px;}
.step-content .dur{font-size:12px;font-weight:800;letter-spacing:0.08em;text-transform:uppercase;color:var(--clay-deep);display:block;margin-bottom:8px;}
.step-content h3{margin-bottom:8px;}
.step-content p{max-width:520px;font-size:14.5px;}

/* ---------- pull-quote testimonials ---------- */
.quote-stack{display:flex;flex-direction:column;gap:1px;background:var(--line);border:1px solid var(--line);}
.quote-block{background:var(--card);padding:44px 48px;display:grid;grid-template-columns:56px 1fr;gap:20px;align-items:start;}
.quote-mark{font-family:var(--serif);font-size:56px;color:var(--clay);line-height:1;}
.quote-block blockquote{font-family:var(--serif);font-style:italic;font-size:22px;line-height:1.5;color:var(--ink);}
.quote-block .attrib{margin-top:18px;font-size:13px;font-weight:700;color:var(--muted-2);text-transform:uppercase;letter-spacing:0.04em;}
@media(max-width:640px){.quote-block{padding:32px 26px;grid-template-columns:1fr;}.quote-mark{display:none;}}

/* ---------- metric strip (ticker style) ---------- */
.metric-strip{display:flex;border-top:1px solid var(--line);border-bottom:1px solid var(--line);flex-wrap:wrap;}
.metric{flex:1 1 220px;padding:30px 28px;border-right:1px solid var(--line);}
.metric:last-child{border-right:none;}
.metric .m-num{font-family:var(--serif);font-size:40px;color:var(--forest);}
.metric .m-num span{color:var(--clay);}
.metric .m-label{font-size:13px;color:var(--muted);margin-top:8px;max-width:200px;}
@media(max-width:760px){.metric{flex:1 1 50%;border-bottom:1px solid var(--line);}}

/* ---------- CTA band (full-bleed) ---------- */
.cta-band{background:var(--forest);color:#fff;padding:64px 0;text-align:center;}
.cta-band .eyebrow{color:#E4B679;justify-content:center;}
.cta-band .eyebrow::before{background:#E4B679;}
.cta-band h2{color:#fff;max-width:680px;margin:0 auto 30px;}
.cta-band-inner{display:flex;flex-direction:column;align-items:center;}
.cta-band.on-paper{background:var(--paper-2);color:var(--ink);}
.cta-band.on-paper h2{color:var(--ink);}
.cta-band.on-paper .eyebrow{color:var(--clay-deep);}
.cta-band.on-paper .eyebrow::before{background:var(--clay);}

/* ---------- insights: magazine layout ---------- */
.insight-feature{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center;padding-bottom:56px;margin-bottom:56px;border-bottom:1px solid var(--line);}
.insight-feature .panel{background:var(--forest);color:#fff;padding:44px;border-radius:4px;min-height:220px;display:flex;flex-direction:column;justify-content:flex-end;}
.insight-feature .panel .tag{color:#E4B679;font-size:12px;font-weight:800;letter-spacing:0.08em;text-transform:uppercase;margin-bottom:12px;}
.insight-feature .panel h3{color:#fff;font-size:26px;}
.insight-list{display:flex;flex-direction:column;}
.insight-row{display:grid;grid-template-columns:140px 1fr auto;gap:24px;align-items:center;padding:26px 0;border-bottom:1px solid var(--line);}
.insight-row .tag{font-size:11.5px;font-weight:800;letter-spacing:0.07em;text-transform:uppercase;color:var(--clay-deep);}
.insight-row h3{font-size:18px;}
.insight-row .meta{font-size:12.5px;color:var(--muted-2);white-space:nowrap;}
@media(max-width:760px){
  .insight-feature{grid-template-columns:1fr;}
  .insight-row{grid-template-columns:1fr;gap:8px;}
}

/* ---------- case studies: ghost-numeral list ---------- */
.case-list{display:flex;flex-direction:column;}
.case-item{position:relative;padding:44px 0;border-bottom:1px solid var(--line);display:grid;grid-template-columns:1fr 240px;gap:32px;}
.case-item .ghost-num{position:absolute;top:8px;left:-8px;font-family:var(--serif);font-size:96px;color:var(--paper-2);z-index:0;line-height:1;user-select:none;}
.case-item .case-body{position:relative;z-index:1;}
.case-item .case-tag{font-size:12px;font-weight:800;letter-spacing:0.06em;text-transform:uppercase;color:var(--clay-deep);margin-bottom:10px;display:block;}
.case-item h3{font-size:22px;margin-bottom:10px;max-width:620px;}
.case-item p{max-width:600px;font-size:14.5px;}
.case-metrics{position:relative;z-index:1;display:flex;flex-direction:column;gap:16px;justify-content:center;border-left:1px solid var(--line);padding-left:28px;}
.case-metrics .cm-num{font-family:var(--serif);font-size:26px;color:var(--forest);}
.case-metrics .cm-label{font-size:11.5px;color:var(--muted-2);}
@media(max-width:820px){.case-item{grid-template-columns:1fr;}.case-metrics{border-left:none;padding-left:0;border-top:1px solid var(--line);padding-top:16px;flex-direction:row;gap:32px;}.case-item .ghost-num{display:none;}}

/* ---------- team: offset tiles ---------- */
.team-offset{display:grid;grid-template-columns:repeat(3,1fr);gap:28px 24px;}
.team-tile{background:var(--card);border:1px solid var(--line);padding:30px;border-radius:4px;}
.team-tile:nth-child(3n+2){transform:translateY(36px);border-top-color:var(--clay);}
.avatar-tile{width:56px;height:56px;border-radius:4px;background:var(--forest);color:#fff;display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-size:18px;margin-bottom:20px;}
.team-tile h3{font-size:18px;margin-bottom:4px;}
.team-tile .role{font-size:12px;font-weight:800;color:var(--clay-deep);text-transform:uppercase;letter-spacing:0.05em;margin-bottom:12px;display:block;}
.team-tile p{font-size:14px;}
@media(max-width:920px){.team-offset{grid-template-columns:1fr 1fr;}.team-tile:nth-child(3n+2){transform:none;}}
@media(max-width:600px){.team-offset{grid-template-columns:1fr;}.team-tile:nth-child(3n+2){transform:none;}}

/* ---------- values / included grid ---------- */
.value-list{border-top:1px solid var(--line);}
.value-row{display:grid;grid-template-columns:70px 1fr;gap:20px;padding:28px 0;border-bottom:1px solid var(--line);}
.value-row .v-num{font-family:var(--serif);font-size:22px;color:var(--clay);}
.value-row h3{margin-bottom:8px;font-size:19px;}
.value-row p{font-size:14.5px;}

/* ---------- FAQ accordion (new feature) ---------- */
.faq-list{border-top:1px solid var(--line);max-width:820px;}
.faq-item{border-bottom:1px solid var(--line);}
.faq-item summary{list-style:none;cursor:pointer;padding:24px 4px;display:flex;justify-content:space-between;align-items:center;gap:20px;font-family:var(--serif);font-size:19px;color:var(--ink);}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary .plus{flex-shrink:0;width:26px;height:26px;border:1px solid var(--line);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:15px;color:var(--forest);transition:transform .18s;}
.faq-item[open] summary .plus{transform:rotate(45deg);}
.faq-item .faq-a{padding:0 4px 26px;max-width:680px;font-size:15px;color:var(--muted);}

/* ---------- forms ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 1.3fr;gap:56px;align-items:start;}
.contact-aside{border-left:3px solid var(--clay);padding-left:28px;}
.info-block{margin-bottom:28px;}
.info-block h4{font-size:12px;font-weight:800;letter-spacing:0.08em;text-transform:uppercase;color:var(--muted-2);margin-bottom:8px;}
.info-block p,.info-block a{font-size:15.5px;color:var(--ink);}
.form-card{background:var(--card);border:1px solid var(--line);border-radius:6px;padding:40px;box-shadow:0 18px 40px rgba(20,40,35,0.05);}
.field{margin-bottom:20px;}
.field label{display:block;font-size:12.5px;font-weight:700;color:var(--muted);margin-bottom:8px;}
.field input,.field select,.field textarea{
  width:100%;background:var(--paper);border:1px solid var(--line);color:var(--ink);
  padding:13px 14px;font-family:var(--sans);font-size:14.5px;border-radius:4px;
}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--forest);outline-offset:1px;border-color:var(--forest);}
.field textarea{resize:vertical;min-height:110px;}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:18px;}
@media(max-width:560px){.two-col{grid-template-columns:1fr;}.contact-grid{grid-template-columns:1fr;}}
.checkbox-row{display:flex;align-items:flex-start;gap:10px;font-size:13px;color:var(--muted);}
.checkbox-row input{margin-top:4px;accent-color:var(--forest);width:16px;height:16px;flex-shrink:0;}

/* ---------- consent groups ---------- */
.consent-group{border:1px solid var(--line);background:var(--paper);padding:20px 22px;margin-bottom:14px;border-radius:4px;}
.consent-group h5{font-size:11.5px;font-weight:800;letter-spacing:0.08em;text-transform:uppercase;color:var(--clay-deep);margin-bottom:10px;}
.consent-group p{font-size:13px;color:var(--muted);line-height:1.6;margin-bottom:14px;}
.consent-group .checkbox-row label{font-size:13px;line-height:1.55;color:var(--ink);}

/* ---------- legal pages with sticky TOC ---------- */
.legal-layout{display:grid;grid-template-columns:220px 1fr;gap:56px;align-items:start;}
.toc{position:sticky;top:140px;border-left:2px solid var(--line);padding-left:18px;}
.toc a{display:block;font-size:13px;color:var(--muted);padding:7px 0;transition:color .15s;}
.toc a:hover{color:var(--forest);}
.toc a.active{color:var(--clay-deep);font-weight:700;}
.prose{max-width:720px;}
.prose h2{font-size:23px;margin:40px 0 14px;scroll-margin-top:140px;}
.prose h2:first-child{margin-top:0;}
.prose p{margin-bottom:15px;font-size:15.5px;color:var(--muted);}
.prose ul{margin:0 0 15px 22px;list-style:disc;}
.prose li{margin-bottom:8px;font-size:15.5px;color:var(--muted);}
.updated{font-size:12.5px;font-weight:700;color:var(--muted-2);margin-bottom:36px;text-transform:uppercase;letter-spacing:0.04em;}
@media(max-width:860px){.legal-layout{grid-template-columns:1fr;}.toc{position:static;border-left:none;padding-left:0;display:flex;flex-wrap:wrap;gap:4px 18px;border-bottom:1px solid var(--line);padding-bottom:16px;margin-bottom:8px;}}

/* ---------- floating back-to-top + sticky CTA ---------- */
.back-to-top{position:fixed;right:24px;bottom:24px;width:44px;height:44px;border-radius:50%;background:var(--forest);color:#fff;display:flex;align-items:center;justify-content:center;font-size:18px;opacity:0;pointer-events:none;transition:opacity .2s,transform .2s;z-index:70;box-shadow:0 8px 20px rgba(18,46,40,0.25);}
.back-to-top.visible{opacity:1;pointer-events:auto;}
.back-to-top:hover{transform:translateY(-3px);}
.float-cta{position:fixed;left:24px;bottom:24px;background:var(--card);border:1px solid var(--line);border-radius:999px;padding:10px 10px 10px 18px;display:none;align-items:center;gap:12px;box-shadow:0 12px 30px rgba(20,40,35,0.12);z-index:70;font-size:13.5px;font-weight:700;}
.float-cta.visible{display:flex;}
.float-cta .btn{padding:9px 16px;font-size:13px;}
@media(max-width:760px){.float-cta{left:16px;right:16px;justify-content:space-between;}.back-to-top{right:16px;bottom:16px;}}

/* ---------- misc ---------- */
.divider{height:1px;background:var(--line);border:none;}
.center{text-align:center;}