/* Agile Risk Partners — site stylesheet
   Light format only. No webfonts, no third-party requests, no cookies. */

:root {
  color-scheme: light;
  --ink: #0b1f33;
  --ink-2: #16293d;
  --body: #33465c;
  --muted: #5f6e80;
  --rule: #dde3ea;
  --rule-2: #c3cdd8;
  --paper: #ffffff;
  --wash: #f6f8fa;
  --wash-2: #eef2f6;
  --accent: #20905b;        /* corporate colour — RGB 32,144,91 */
  --accent-ink: #14603c;    /* darker variant: 7.5:1 on white, so safe for text */
  --accent-wash: #f1f7f3;
  --focus: #14603c;
  --serif: Georgia, "Times New Roman", Times, serif;
  --sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --maxw: 1120px;
  --pad: clamp(20px, 5vw, 48px);
}

*, *::before, *::after { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--paper);
  color: var(--body);
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; animation: none !important; }
}

img, svg { max-width: 100%; height: auto; display: block; }

a { color: var(--accent-ink); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--ink); }

:focus-visible {
  outline: 2px solid var(--focus);
  outline-offset: 3px;
  border-radius: 1px;
}

.skip {
  position: absolute; left: -9999px; top: 0;
  background: var(--ink); color: #fff;
  padding: 12px 18px; z-index: 100; text-decoration: none;
}
.skip:focus { left: 12px; top: 12px; color: #fff; }

.wrap { max-width: var(--maxw); margin: 0 auto; padding-inline: var(--pad); }

/* ---------- header ---------- */

.site-head {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: saturate(150%) blur(8px);
  border-bottom: 1px solid var(--rule);
}

.head-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 24px; min-height: 74px;
}

.brand { display: flex; align-items: center; gap: 11px; text-decoration: none; color: var(--ink); }
.brand img { width: 26px; height: auto; }
.brand-text { display: flex; flex-direction: column; line-height: 1; }
.brand-1 {
  font-family: var(--sans); font-weight: 700; font-size: 0.86rem;
  letter-spacing: 0.19em; color: var(--ink);
  padding-left: 1px;
}
.brand-2 {
  font-family: var(--sans); font-weight: 400; font-size: 0.6rem;
  letter-spacing: 0.28em; color: var(--muted); margin-top: 5px;
}

.nav-toggle {
  display: none;
  font: inherit; font-size: 0.82rem; letter-spacing: 0.1em; text-transform: uppercase;
  background: none; border: 1px solid var(--rule-2); color: var(--ink);
  padding: 9px 14px; cursor: pointer; border-radius: 2px;
}

.site-nav ul {
  display: flex; align-items: center; gap: clamp(14px, 2.2vw, 30px);
  margin: 0; padding: 0; list-style: none;
}
.site-nav a {
  font-size: 0.9rem; color: var(--ink-2); text-decoration: none;
  padding: 6px 0; border-bottom: 1px solid transparent;
}
.site-nav a:hover { border-bottom-color: var(--accent); color: var(--ink); }
.site-nav a[aria-current="page"] { border-bottom-color: var(--ink); color: var(--ink); }

@media (max-width: 880px) {
  .nav-toggle { display: block; }
  .site-nav {
    display: none; position: absolute; left: 0; right: 0; top: 100%;
    background: var(--paper); border-bottom: 1px solid var(--rule);
    box-shadow: 0 10px 24px rgba(11, 31, 51, 0.06);
  }
  .site-nav.is-open { display: block; }
  .site-nav ul { flex-direction: column; align-items: stretch; gap: 0; padding: 8px var(--pad) 18px; }
  .site-nav li { border-top: 1px solid var(--rule); }
  .site-nav li:first-child { border-top: 0; }
  .site-nav a { display: block; padding: 14px 0; font-size: 1rem; border-bottom: 0; }
  .no-js .nav-toggle { display: none; }
  .no-js .site-nav { display: block; position: static; box-shadow: none; border-bottom: 0; }
  .no-js .site-nav ul { flex-direction: row; flex-wrap: wrap; gap: 8px 18px; padding-block: 12px; }
  .no-js .site-nav li { border: 0; }
}

/* ---------- type ---------- */

h1, h2, h3, h4 { color: var(--ink); margin: 0; }

h1 {
  font-family: var(--serif); font-weight: 400;
  font-size: clamp(2.15rem, 4.6vw, 3.6rem);
  line-height: 1.08; letter-spacing: -0.015em;
  max-width: 22ch;
}

h2 {
  font-family: var(--serif); font-weight: 400;
  font-size: clamp(1.55rem, 2.7vw, 2.1rem);
  line-height: 1.18; letter-spacing: -0.01em;
  max-width: 30ch;
}

h3 { font-family: var(--sans); font-size: 1.06rem; font-weight: 600; line-height: 1.35; }

p { margin: 0 0 1.05em; }
p:last-child { margin-bottom: 0; }

.lede {
  font-size: clamp(1.06rem, 1.6vw, 1.28rem);
  line-height: 1.55; color: var(--body);
  max-width: 62ch;
}

.hero-sub {
  font-size: 1.02rem; line-height: 1.62;
  color: var(--body); max-width: 64ch;
}

.eyebrow {
  display: flex; align-items: center; gap: 12px;
  font-size: 0.72rem; letter-spacing: 0.17em; text-transform: uppercase;
  color: var(--accent-ink); margin: 0 0 22px; font-weight: 600;
}
.eyebrow::before { content: ""; width: 26px; height: 1px; background: var(--accent); flex: none; }

.small { font-size: 0.88rem; color: var(--muted); }
.tiny { font-size: 0.8rem; color: var(--muted); line-height: 1.5; }

/* ---------- sections ---------- */

section { padding-block: clamp(56px, 7.5vw, 96px); }
.section-tight { padding-block: clamp(40px, 5vw, 64px); }
.rule-top { border-top: 1px solid var(--rule); }
.wash { background: var(--wash); border-block: 1px solid var(--rule); }
.accent-wash { background: var(--accent-wash); border-block: 1px solid #d9e8de; }

.section-head { margin-bottom: clamp(28px, 4vw, 44px); }
.section-head .lede { margin-top: 16px; }

/* ---------- hero ---------- */

.hero { padding-block: clamp(64px, 9vw, 112px) clamp(48px, 6vw, 76px); }
.hero h1 { margin-bottom: 26px; }
.hero .lede { margin-bottom: 0; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 34px; }

/* ---------- buttons ---------- */

.btn {
  display: inline-block; font-size: 0.86rem; letter-spacing: 0.09em;
  text-transform: uppercase; font-weight: 600; text-decoration: none;
  padding: 14px 24px; border-radius: 2px; line-height: 1;
  background: var(--accent-ink); color: #fff; border: 1px solid var(--accent-ink);
  cursor: pointer; font-family: inherit;
  transition: background 120ms ease, color 120ms ease;
}
.btn:hover { background: var(--ink); border-color: var(--ink); color: #fff; }
.btn-ghost { background: transparent; color: var(--ink); }
.btn-ghost:hover { background: var(--ink); color: #fff; }

/* ---------- grids & cards ---------- */

.grid { display: grid; gap: 1px; background: var(--rule); border: 1px solid var(--rule); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

@media (max-width: 900px) { .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; } }

.card {
  background: var(--paper); padding: clamp(22px, 3vw, 34px);
  display: flex; flex-direction: column;
}
.card h3 { margin-bottom: 10px; }
.card p { font-size: 0.95rem; margin-bottom: 0; }
.card .card-link {
  margin-top: auto; padding-top: 20px;
  font-size: 0.82rem; letter-spacing: 0.08em; text-transform: uppercase;
  font-weight: 600; text-decoration: none; color: var(--accent-ink);
}
.card .card-link::after { content: " \2192"; }
a.card { text-decoration: none; color: inherit; transition: background 120ms ease; }
a.card:hover { background: var(--wash); }
a.card:hover .card-link { color: var(--ink); }

/* ---------- numbered process ---------- */

.steps { display: grid; gap: clamp(28px, 4vw, 48px); grid-template-columns: repeat(3, 1fr); }
@media (max-width: 820px) { .steps { grid-template-columns: 1fr; } }

.step { border-top: 1px solid var(--ink); padding-top: 20px; }
.step-num {
  font-family: var(--serif); font-size: 0.95rem; color: var(--accent-ink);
  letter-spacing: 0.12em; display: block; margin-bottom: 10px;
}
.step h3 { margin-bottom: 10px; }
.step p { font-size: 0.95rem; margin-bottom: 0; }

/* ---------- rules list ---------- */

.rules { border-top: 1px solid var(--rule); }
.rules-item {
  display: grid; grid-template-columns: minmax(180px, 0.9fr) 1.6fr;
  gap: 12px 40px; padding: 26px 0; border-bottom: 1px solid var(--rule);
}
@media (max-width: 700px) { .rules-item { grid-template-columns: 1fr; gap: 8px; } }
.rules-item h3 { margin: 0; }
.rules-item p { font-size: 0.95rem; margin: 0; color: var(--body); }

/* ---------- facts strip ---------- */

.facts { display: grid; grid-template-columns: repeat(3, 1fr); gap: clamp(20px, 4vw, 48px); }
@media (max-width: 820px) { .facts { grid-template-columns: 1fr; } }
.fact { border-top: 1px solid var(--rule-2); padding-top: 18px; }
.fact p { font-size: 0.93rem; margin: 0; color: var(--body); }
.fact strong { display: block; color: var(--ink); font-weight: 600; margin-bottom: 5px; font-size: 0.93rem; }

/* ---------- call to action ---------- */

.cta { border-top: 1px solid var(--ink); padding-top: clamp(32px, 5vw, 52px); }
.cta h2 { max-width: 26ch; margin-bottom: 20px; }
.cta .lede { margin-bottom: 28px; }

/* ---------- prose (legal pages) ---------- */

.prose { max-width: 68ch; }
.prose h2 { font-size: clamp(1.3rem, 2.2vw, 1.6rem); margin: 44px 0 14px; }
.prose h2:first-of-type { margin-top: 8px; }
.prose h3 { margin: 28px 0 8px; }
.prose ul { padding-left: 20px; margin: 0 0 18px; }
.prose li { margin-bottom: 8px; }
.prose p { font-size: 0.98rem; }
.prose table { width: 100%; border-collapse: collapse; margin: 20px 0 28px; font-size: 0.94rem; }
.prose th, .prose td { text-align: left; padding: 11px 14px; border-bottom: 1px solid var(--rule); vertical-align: top; }
.prose th { font-weight: 600; color: var(--ink); background: var(--wash); border-bottom-color: var(--rule-2); }

/* ---------- contact ---------- */

.contact-grid { display: grid; grid-template-columns: 1fr 1.15fr; gap: clamp(32px, 5vw, 72px); align-items: start; }
@media (max-width: 880px) { .contact-grid { grid-template-columns: 1fr; } }

.field { margin-bottom: 18px; }
.field label { display: block; font-size: 0.82rem; font-weight: 600; color: var(--ink); margin-bottom: 6px; letter-spacing: 0.02em; }
.field input, .field select, .field textarea {
  width: 100%; font: inherit; font-size: 0.97rem; color: var(--ink);
  background: var(--paper); border: 1px solid var(--rule-2);
  padding: 11px 13px; border-radius: 2px;
}
.field textarea { resize: vertical; min-height: 132px; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: 2px solid var(--focus); outline-offset: 0; border-color: var(--focus);
}
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
@media (max-width: 560px) { .field-row { grid-template-columns: 1fr; } }

.form-note { font-size: 0.82rem; color: var(--muted); margin-top: 16px; }
.form-status {
  margin-top: 18px; font-size: 0.9rem; color: var(--ink);
  border-left: 2px solid var(--accent); padding: 10px 0 10px 14px;
  background: var(--accent-wash); display: none;
}
.form-status.is-shown { display: block; }

.contact-block { border-top: 1px solid var(--rule-2); padding-top: 18px; margin-top: 28px; }
.contact-block h3 { font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.12em; color: var(--muted); margin-bottom: 8px; }
.contact-block p { font-size: 0.97rem; margin: 0; color: var(--body); }

/* ---------- footer ---------- */

.site-foot { background: var(--wash-2); border-top: 1px solid var(--rule-2); padding-block: clamp(44px, 6vw, 64px) 40px; }
.foot-top { display: grid; grid-template-columns: 1.1fr 2fr; gap: clamp(28px, 5vw, 64px); }
@media (max-width: 820px) { .foot-top { grid-template-columns: 1fr; } }

.foot-brand { display: flex; gap: 12px; align-items: flex-start; }
.foot-brand img { width: 30px; }
.foot-brand span { display: block; font-size: 0.86rem; color: var(--body); line-height: 1.5; }
.foot-brand .foot-name { font-weight: 700; letter-spacing: 0.16em; color: var(--ink); font-size: 0.82rem; }

.foot-cols { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
@media (max-width: 560px) { .foot-cols { grid-template-columns: 1fr; gap: 22px; } }
.foot-cols h4 { font-size: 0.74rem; text-transform: uppercase; letter-spacing: 0.14em; color: var(--muted); margin-bottom: 12px; font-weight: 600; }
.foot-cols ul { list-style: none; margin: 0; padding: 0; }
.foot-cols li { margin-bottom: 8px; }
.foot-cols a { font-size: 0.9rem; color: var(--ink-2); text-decoration: none; }
.foot-cols a:hover { text-decoration: underline; text-underline-offset: 3px; }
.foot-cols p { font-size: 0.9rem; color: var(--body); margin: 0 0 8px; }

.foot-legal { margin-top: clamp(36px, 5vw, 52px); padding-top: 22px; border-top: 1px solid var(--rule-2); }
.foot-legal p { font-size: 0.78rem; color: #4d5b6b; line-height: 1.6; margin: 0 0 8px; max-width: 90ch; }
.foot-legal p:last-child { margin-bottom: 0; }

/* ---------- utilities ---------- */

.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0;
}
.mt-0 { margin-top: 0; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mt-40 { margin-top: 40px; }