/* Morgan Kessen site styles, shared by every page.
   Established financial-services look: full-width photo heroes, alternating
   white / warm sand / pale blue bands of text and photography, 1200px column, navy footer.
   Single light look by design, as on the reference sites; every colour is set explicitly. */
:root {
  --navy: #0b2d52;        /* headings, footer, logo */
  --blue: #0a5cad;        /* buttons, links */
  --blue-dark: #084a8c;   /* hover */
  --sky: #eef4fa;         /* pale blue band */
  --sand: #f7f3ec;        /* warm band */
  --gold: #b98a2e;        /* small accents: rules, icons */
  --ink: #26323f;         /* body text */
  --muted: #5b6876;       /* secondary text */
  --line: #dde3ea;        /* borders */
  --white: #ffffff;
  --font-head: "Libre Franklin", "Helvetica Neue", Arial, sans-serif;
  --font-body: "Source Sans 3", "Segoe UI", Helvetica, Arial, sans-serif;
  --wrap: 1200px;
  color-scheme: light;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body { margin: 0; background: var(--white); color: var(--ink); font: 400 18px/1.65 var(--font-body); }
body::before { content: ""; position: fixed; inset: 0 0 auto; height: env(safe-area-inset-top, 0px); z-index: 10; background: var(--white); }
h1, h2, h3 { font-family: var(--font-head); color: var(--navy); margin: 0; text-wrap: balance; letter-spacing: -0.005em; }
h1 { font-size: clamp(2rem, 4vw, 3rem); line-height: 1.15; font-weight: 700; }
h2 { font-size: clamp(1.6rem, 2.8vw, 2.2rem); line-height: 1.2; font-weight: 600; }
h3 { font-size: 1.2rem; line-height: 1.3; font-weight: 600; }
p { margin: 0; }
a { color: var(--blue); }
a:hover { color: var(--blue-dark); }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }
.gut { padding-left: max(16px, env(safe-area-inset-left, 0px)); padding-right: max(16px, env(safe-area-inset-right, 0px)); }
.wrap { max-width: var(--wrap); margin: 0 auto; }
.band { padding-block: 88px; }
.sky { background: var(--sky); }
.sand { background: var(--sand); }
.kicker { font: 600 0.85rem/1.2 var(--font-body); letter-spacing: 0.08em; text-transform: uppercase; color: var(--gold); }
.lead { font-size: 1.2rem; color: var(--muted); max-width: 60ch; }
.btn { display: inline-block; font: 600 1rem/1 var(--font-body); padding: 16px 28px; border-radius: 999px; text-decoration: none; border: 2px solid var(--blue); cursor: pointer; text-align: center; }
.btn-primary { background: var(--blue); color: var(--white); }
.btn-primary:hover { background: var(--blue-dark); border-color: var(--blue-dark); color: var(--white); }
.btn-outline { background: transparent; color: var(--blue); }
.btn-outline:hover { background: var(--sky); }
.link-arrow { font-weight: 600; text-decoration: none; }
.link-arrow::after { content: " \203A"; }

/* Photos: Unsplash License (free for commercial use), hotlinked; the tinted box shows if an image fails. */
.photo { position: relative; background: linear-gradient(160deg, #d9e3ec 0%, #c3d1de 100%); overflow: hidden; max-width: 100%; }
.photo img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }

/* Header */
.utility { background: var(--navy); color: #d5e0ec; font-size: 0.88rem; }
.utility .wrap { display: flex; justify-content: space-between; gap: 28px; padding-block: 8px; flex-wrap: wrap; }
.utility .links { display: flex; gap: 28px; }
.utility a { color: #d5e0ec; text-decoration: none; }
.utility a:hover { color: var(--white); }
.site-head { position: sticky; top: env(safe-area-inset-top, 0px); z-index: 5; background: var(--white); border-bottom: 1px solid var(--line); }
.site-head .wrap { display: flex; align-items: center; justify-content: space-between; gap: 24px; min-height: 88px; }
.logo { display: flex; align-items: center; gap: 14px; text-decoration: none; color: var(--navy); }
.logo svg { flex: none; }
.logo-word { display: block; font: 700 1.08rem/1 var(--font-head); letter-spacing: 0.16em; text-transform: uppercase; }
.logo-word span { display: block; font: 600 0.7rem/1 var(--font-body); letter-spacing: 0.32em; color: var(--gold); margin-top: 7px; padding-top: 6px; border-top: 1px solid currentColor; border-top-color: rgba(185, 138, 46, 0.55); }
.nav { display: flex; align-items: center; gap: 32px; }
.nav a { color: var(--ink); text-decoration: none; font-weight: 600; }
.nav a:hover { color: var(--blue); }
.nav .btn { padding: 12px 22px; color: var(--white); white-space: nowrap; }
.nav a[aria-current="page"] { color: var(--blue); box-shadow: inset 0 -3px 0 var(--gold); padding-block: 6px; }
.menu-btn { display: none; background: none; border: 1px solid var(--line); border-radius: 4px; padding: 10px 12px; cursor: pointer; color: var(--navy); font: 600 0.95rem/1 var(--font-body); }
.menu-btn svg { display: block; }
@media (max-width: 1080px) { .nav { gap: 22px; } }
@media (max-width: 960px) {
  .utility .hide-sm { display: none; }
  .menu-btn { display: block; }
  .nav { position: absolute; left: 0; right: 0; top: 100%; background: var(--white); border-bottom: 1px solid var(--line); box-shadow: 0 12px 24px rgba(11, 45, 82, 0.1); flex-direction: column; align-items: stretch; gap: 0; padding: 8px max(16px, env(safe-area-inset-left, 0px)) 20px; display: none; }
  .site-head.open .nav { display: flex; }
  .nav a:not(.btn) { padding: 14px 0; border-bottom: 1px solid var(--line); }
  .nav a[aria-current="page"] { box-shadow: none; }
  .nav .btn { margin-top: 16px; }
}
@media (max-width: 480px) { .nav .btn { padding: 10px 14px; font-size: 0.88rem; } .logo-word { font-size: 0.9rem; letter-spacing: 0.12em; } .logo-word span { font-size: 0.6rem; letter-spacing: 0.24em; } .logo svg { width: 38px; height: 38px; } }

/* Hero: full-width photograph, text on a dark gradient */
.hero { position: relative; background: var(--navy); color: var(--white); overflow: hidden; }
.hero .photo { position: absolute; inset: 0; background: linear-gradient(135deg, #12406f 0%, #0b2d52 100%); }
.hero::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(8, 30, 56, 0.92) 0%, rgba(8, 30, 56, 0.78) 42%, rgba(8, 30, 56, 0.2) 75%, rgba(8, 30, 56, 0) 100%); }
.hero .wrap { position: relative; z-index: 1; padding-block: 120px 128px; }
.hero-text { max-width: 600px; }
.hero .kicker { color: #e2c27f; }
.hero h1 { color: var(--white); margin-top: 14px; font-size: clamp(2.1rem, 4.4vw, 3.3rem); }
.hero p.lead { color: #dbe6f2; margin-top: 20px; font-size: 1.22rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px 24px; align-items: center; margin-top: 36px; }
.hero-actions .text-link { color: var(--white); font-weight: 600; text-decoration: underline; text-underline-offset: 4px; }
@media (max-width: 760px) {
  .hero::after { background: linear-gradient(180deg, rgba(8, 30, 56, 0.55) 0%, rgba(8, 30, 56, 0.92) 60%); }
  .hero .wrap { padding-block: 96px 72px; }
}

/* Intro statement */
.intro { display: grid; grid-template-columns: 5fr 7fr; gap: 64px; align-items: start; }
.intro > * { min-width: 0; }
.intro h2 { border-left: 4px solid var(--gold); padding-left: 24px; }
.intro p + p { margin-top: 18px; }
.intro p { font-size: 1.12rem; }
@media (max-width: 900px) { .intro { grid-template-columns: 1fr; gap: 28px; } }

/* Split image / text */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; }
.split > * { min-width: 0; }
.split .photo { aspect-ratio: 4 / 3; border-radius: 4px; }
.split h2 { margin-top: 12px; }
.split .lead { margin-top: 18px; }
.split .btn { margin-top: 32px; }
.ticks { list-style: none; padding: 0; margin: 28px 0 0; display: grid; gap: 16px; }
.ticks li { display: grid; grid-template-columns: 28px 1fr; gap: 12px; }
.ticks li::before { content: ""; width: 22px; height: 22px; margin-top: 3px; border-radius: 50%; background: var(--blue) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6 12.5l4 4 8-9' fill='none' stroke='white' stroke-width='2.6'/%3E%3C/svg%3E") center / 16px no-repeat; }
.ticks b { color: var(--navy); }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; gap: 36px; } .split.flip .photo { order: -1; } }

/* Process: numbered list */
.process { list-style: none; padding: 0; margin: 28px 0 0; counter-reset: step; }
.process li { counter-increment: step; display: grid; grid-template-columns: 52px 1fr; gap: 0 18px; padding: 18px 0; border-top: 1px solid var(--line); }
.process li:last-child { border-bottom: 1px solid var(--line); }
.process li::before { content: counter(step, decimal-leading-zero); grid-row: span 2; font: 700 1.25rem/1.3 var(--font-head); color: var(--gold); }
.process h3 { font-size: 1.1rem; }
.process h3 small { font: 600 0.82rem/1 var(--font-body); color: var(--muted); margin-left: 8px; letter-spacing: 0.02em; }
.process p { color: var(--muted); margin-top: 4px; }

/* Fees statement */
.fee-statement { max-width: 860px; margin: 0 auto; text-align: center; }
.fee-statement h2 { margin-top: 12px; }
.fee-figure { margin: 36px auto 0; display: inline-flex; flex-wrap: wrap; justify-content: center; border: 1px solid var(--line); border-radius: 4px; background: var(--white); }
.fee-figure div { padding: 26px 40px; min-width: 0; }
.fee-figure div + div { border-left: 1px solid var(--line); }
.fee-figure b { display: block; font: 700 2.6rem/1 var(--font-head); color: var(--navy); }
.fee-figure span { display: block; margin-top: 10px; color: var(--muted); font-size: 0.98rem; }
.fee-statement .lead { margin: 28px auto 0; }
.fee-statement .fine-print { margin-top: 18px; font-size: 0.92rem; color: var(--muted); }
@media (max-width: 560px) { .fee-figure { display: flex; flex-direction: column; } .fee-figure div + div { border-left: 0; border-top: 1px solid var(--line); } }

/* Industries text list */
.industries { list-style: none; padding: 0; margin: 28px 0 0; }
.industries li { padding: 16px 0; border-top: 1px solid var(--line); }
.industries li:last-child { border-bottom: 1px solid var(--line); }
.industries b { display: block; color: var(--navy); font-family: var(--font-head); font-weight: 600; }
.industries span { color: var(--muted); font-size: 0.98rem; }

/* Insights */
.feature { display: grid; grid-template-columns: 1.1fr 1fr; background: var(--white); border: 1px solid var(--line); border-radius: 4px; overflow: hidden; text-decoration: none; color: inherit; margin-top: 36px; }
.feature .photo { min-height: 320px; }
.feature .txt { padding: 44px; display: flex; flex-direction: column; gap: 12px; justify-content: center; min-width: 0; }
.feature .meta { font-size: 0.88rem; color: var(--muted); }
.feature h3 { font-size: 1.55rem; }
.feature p { color: var(--muted); }
.feature:hover h3 { color: var(--blue); }
@media (max-width: 860px) { .feature { grid-template-columns: 1fr; } .feature .photo { min-height: 220px; } .feature .txt { padding: 28px; } }

/* Review form */
.review { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 64px; align-items: start; }
.review > * { min-width: 0; }
.review h2 { margin-top: 12px; }
.review .lead { margin-top: 16px; }
.review ul { margin: 24px 0 0; padding-left: 20px; }
.review li + li { margin-top: 8px; }
.contact-line { margin-top: 28px; padding-top: 24px; border-top: 1px solid var(--line); color: var(--muted); }
.contact-line b { display: block; color: var(--navy); font-size: 1.1rem; }
form { background: var(--white); border: 1px solid var(--line); border-radius: 4px; padding: 36px; display: grid; gap: 18px; box-shadow: 0 6px 24px rgba(11, 45, 82, 0.06); }
.row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { display: grid; gap: 6px; min-width: 0; }
.field label, legend { font-weight: 600; font-size: 0.95rem; color: var(--navy); }
input[type=text], input[type=email], input[type=tel], select, textarea { font: inherit; font-size: 1rem; padding: 12px 14px; border: 1px solid #c7d0da; border-radius: 4px; background: var(--white); color: var(--ink); width: 100%; }
textarea { min-height: 96px; resize: vertical; }
fieldset { border: 0; padding: 0; margin: 0; }
.radios { display: flex; gap: 20px; margin-top: 8px; flex-wrap: wrap; }
.radios label { display: flex; gap: 8px; align-items: center; font-weight: 400; color: var(--ink); }
.form-foot { font-size: 0.85rem; color: var(--muted); }
.thanks { background: var(--sky); border-left: 4px solid var(--blue); padding: 14px 16px; border-radius: 3px; color: var(--navy); }
@media (max-width: 900px) { .review { grid-template-columns: 1fr; gap: 40px; } }
@media (max-width: 540px) { .row2 { grid-template-columns: 1fr; } form { padding: 24px; } }

/* FAQ */
.faq { max-width: 860px; margin: 0 auto; }
.faq h2 { text-align: center; margin: 12px 0 40px; }
.faq .kicker { text-align: center; }
details { border-bottom: 1px solid var(--line); padding-block: 22px; }
details:first-of-type { border-top: 1px solid var(--line); }
summary { cursor: pointer; font: 600 1.12rem/1.4 var(--font-head); color: var(--navy); list-style: none; display: flex; justify-content: space-between; gap: 16px; }
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; color: var(--blue); font-size: 1.5rem; line-height: 1; font-weight: 400; }
details[open] summary::after { content: "\2212"; }
details p { margin-top: 12px; color: var(--muted); max-width: 70ch; }

/* Closing CTA */
.closing { background: var(--navy); color: var(--white); text-align: center; border-top: 4px solid var(--gold); }
.closing h2 { color: var(--white); }
.closing p { color: #c9d6e4; margin: 14px auto 0; max-width: 56ch; font-size: 1.15rem; }
.closing .btn { margin-top: 28px; background: var(--white); color: var(--navy); border-color: var(--white); }
.closing .btn:hover { background: var(--sky); }

/* Footer */
.site-foot { background: #08223f; color: #c9d6e4; font-size: 0.95rem; padding-block: 64px 40px; }
.site-foot .wrap { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 40px; }
.site-foot .wrap > * { min-width: 0; }
.site-foot .logo { color: var(--white); }
.site-foot h3 { color: var(--white); font: 600 0.95rem/1.2 var(--font-head); margin-bottom: 16px; }
.site-foot a { color: #c9d6e4; text-decoration: none; }
.site-foot a:hover { color: var(--white); }
.site-foot ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.site-foot .fine { grid-column: 1 / -1; border-top: 1px solid rgba(255,255,255,0.14); padding-top: 24px; font-size: 0.82rem; color: #9fb1c5; line-height: 1.55; }
@media (max-width: 900px) { .site-foot .wrap { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .site-foot .wrap { grid-template-columns: 1fr; } }
@media (max-width: 600px) { .band { padding-block: 64px; } }

/* Interior page hero: shorter photo band with the page title */
.page-hero { position: relative; background: var(--navy); color: var(--white); overflow: hidden; }
.page-hero .photo { position: absolute; inset: 0; background: linear-gradient(135deg, #12406f 0%, #0b2d52 100%); }
.page-hero::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(8, 30, 56, 0.92) 0%, rgba(8, 30, 56, 0.75) 45%, rgba(8, 30, 56, 0.25) 100%); }
.page-hero .wrap { position: relative; z-index: 1; padding-block: 72px 80px; }
.page-hero .kicker { color: #e2c27f; }
.page-hero h1 { color: var(--white); margin-top: 12px; max-width: 760px; }
.page-hero p.lead { color: #dbe6f2; margin-top: 18px; max-width: 640px; }
.crumbs { font-size: 0.88rem; color: #b9c9da; margin-bottom: 18px; }
.crumbs a { color: #dbe6f2; text-decoration: none; }
.crumbs a:hover { color: var(--white); text-decoration: underline; }
.page-hero.plain .photo, .page-hero.plain::after { display: none; }
@media (max-width: 760px) { .page-hero::after { background: rgba(8, 30, 56, 0.82); } .page-hero .wrap { padding-block: 56px 60px; } }

/* Prose blocks on interior pages */
.prose { max-width: 760px; }
.prose h2 { margin-top: 48px; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin-top: 28px; }
.prose p, .prose ul, .prose ol { margin-top: 16px; }
.prose ul, .prose ol { padding-left: 22px; }
.prose li + li { margin-top: 8px; }
.section-head { max-width: 760px; margin-bottom: 36px; }
.section-head h2 { margin-top: 12px; }
.section-head .lead { margin-top: 16px; }
.more { margin-top: 28px; }

/* Rows: photo beside text, stacked down the page (industries, services) */
.rows { display: grid; gap: 56px; }
.row { display: grid; grid-template-columns: 5fr 7fr; gap: 48px; align-items: center; }
.row > * { min-width: 0; }
.row .photo { aspect-ratio: 3 / 2; border-radius: 4px; }
.row:nth-child(even) { grid-template-columns: 7fr 5fr; }
.row:nth-child(even) .photo { order: 2; }
.row h3 { font-size: 1.45rem; }
.row p { margin-top: 12px; color: var(--muted); }
.row ul { margin: 14px 0 0; padding-left: 20px; }
.row li + li { margin-top: 4px; }
@media (max-width: 860px) { .row, .row:nth-child(even) { grid-template-columns: 1fr; gap: 24px; } .row:nth-child(even) .photo { order: 0; } }

/* Fee examples */
.fee-table { width: 100%; max-width: 760px; margin: 28px 0 0; border-collapse: collapse; font-variant-numeric: tabular-nums; }
.fee-table th, .fee-table td { text-align: left; padding: 14px 12px; border-bottom: 1px solid var(--line); }
.fee-table th { font: 600 0.9rem/1.3 var(--font-body); color: var(--muted); text-transform: uppercase; letter-spacing: 0.06em; }
.fee-table td:not(:first-child), .fee-table th:not(:first-child) { text-align: right; }
.fee-table td b { color: var(--navy); }

/* Blog list */
.posts { list-style: none; padding: 0; margin: 0; display: grid; gap: 28px; }
.post { display: grid; grid-template-columns: 360px 1fr; gap: 0; border: 1px solid var(--line); border-radius: 4px; overflow: hidden; background: var(--white); }
.post > * { min-width: 0; }
.post .photo { min-height: 220px; }
.post .txt { padding: 28px 32px; display: flex; flex-direction: column; gap: 10px; justify-content: center; }
.post .meta { font-size: 0.88rem; color: var(--muted); }
.post h3 { font-size: 1.35rem; }
.post h3 a { color: var(--navy); text-decoration: none; }
.post h3 a:hover { color: var(--blue); }
.post p { color: var(--muted); }
.pill { display: inline-block; font: 600 0.75rem/1 var(--font-body); letter-spacing: 0.06em; text-transform: uppercase; background: #fbeed2; color: #7a5a17; padding: 5px 8px; border-radius: 3px; margin-right: 8px; }
.empty { border: 1px dashed #c7d0da; border-radius: 4px; padding: 32px; color: var(--muted); max-width: 760px; }
@media (max-width: 760px) { .post { grid-template-columns: 1fr; } .post .photo { min-height: 200px; } .post .txt { padding: 22px; } }

/* Article page */
.article { max-width: 720px; margin: 0 auto; }
.article-photo { aspect-ratio: 16 / 9; border-radius: 4px; margin-bottom: 36px; }
.article h2 { font-size: 1.45rem; margin-top: 40px; }
.article p, .article ul { margin-top: 16px; }
.article ul { padding-left: 22px; }
.article li + li { margin-top: 6px; }
.article .cta-box { margin-top: 44px; background: var(--sky); border-left: 4px solid var(--gold); border-radius: 4px; padding: 28px; }
.article .cta-box h2 { margin-top: 0; font-size: 1.3rem; }
.article .cta-box .btn { margin-top: 18px; }