@import url('https://fonts.googleapis.com/css2?family=Fraunces:ital,opsz,wght@0,9..144,300;0,9..144,400;0,9..144,500;0,9..144,600;1,9..144,400&family=Inter:wght@400;500;600&display=swap');

:root {
  --charcoal: #101416;
  --charcoal-2: #181C1F;
  --charcoal-3: #21262A;
  --ivory: #F3F1EC;
  --ivory-dim: #AEB2B3;
  --gold: #B3904F;
  --gold-light: #D7BA80;
  --blue: #318FB5;
  --blue-light: #5EACCC;
  --line: rgba(243, 241, 236, 0.11);
  --serif: 'Fraunces', serif;
  --sans: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --max: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--charcoal);
  color: var(--ivory);
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 32px; }

h1, h2, h3, h4 {
  font-family: var(--serif);
  font-weight: 500;
  line-height: 1.08;
  margin: 0;
  letter-spacing: -0.01em;
}
h1 { font-size: clamp(2.6rem, 6vw, 5rem); font-weight: 400; }
h2 { font-size: clamp(2rem, 4vw, 2.9rem); }
h3 { font-size: 1.5rem; }
p { margin: 0 0 1em; max-width: 62ch; color: var(--ivory-dim); }
.lede { font-size: 1.2rem; max-width: 46ch; color: var(--ivory); }

.accent { color: var(--blue-light); }
.hairline { border: none; border-top: 1px solid var(--line); margin: 0; }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 15px 30px;
  font-family: var(--sans);
  font-size: 0.95rem;
  font-weight: 500;
  border-radius: 2px;
  transition: all 0.2s ease;
  cursor: pointer;
  border: 1px solid transparent;
}
.btn-blue { background: var(--blue); color: #0D1012; }
.btn-blue:hover { background: var(--blue-light); }
.btn-outline { border-color: var(--line); color: var(--ivory); }
.btn-outline:hover { border-color: var(--blue); color: var(--blue-light); }

/* Header / Nav */
header.site {
  position: sticky; top: 0; z-index: 100;
  background: rgba(16, 20, 22, 0.98);
  border-bottom: 1px solid var(--line);
}
.nav-row { display: flex; align-items: center; justify-content: space-between; padding: 18px 32px; max-width: var(--max); margin: 0 auto; }
.wordmark img { height: 48px; width: auto; }
nav.primary { display: flex; align-items: center; gap: 2px; }
nav.primary > .nav-item { position: relative; }
nav.primary > .nav-item > a, nav.primary > .nav-item > button {
  background: none; border: none; cursor: pointer;
  font-family: var(--sans); font-size: 0.94rem; color: var(--ivory);
  padding: 10px 16px; display: inline-flex; align-items: center; gap: 6px;
}
nav.primary > .nav-item > a:hover, nav.primary > .nav-item > button:hover { color: var(--blue-light); }
.caret { width: 8px; height: 8px; border-right: 1.5px solid currentColor; border-bottom: 1.5px solid currentColor; transform: rotate(45deg); margin-top: -4px; opacity: 0.7; }

.dropdown { position: relative; }
.dropdown-panel {
  position: absolute; top: calc(100% + 8px); left: 0;
  background: var(--charcoal-2); border: 1px solid var(--line);
  min-width: 220px; padding: 8px; opacity: 0; visibility: hidden;
  transform: translateY(-6px); transition: all 0.15s ease;
  box-shadow: 0 18px 40px rgba(0,0,0,0.4);
}
.dropdown:hover .dropdown-panel,
.dropdown:focus-within .dropdown-panel { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown-panel a { display: block; padding: 11px 14px; font-size: 0.93rem; color: var(--ivory-dim); }
.dropdown-panel a:hover { color: var(--blue-light); background: var(--charcoal-3); }

.nav-cta { margin-left: 14px; padding: 11px 22px; }

.menu-toggle { display: none; background: none; border: none; color: var(--ivory); cursor: pointer; }

/* Footer */
footer.site { border-top: 1px solid var(--line); padding: 64px 0 36px; margin-top: 120px; }
.footer-grid { display: grid; grid-template-columns: 1.3fr 1fr 1fr; gap: 48px; margin-bottom: 48px; }
.footer-grid h4 { font-family: var(--sans); font-size: 0.82rem; color: var(--ivory-dim); font-weight: 600; margin-bottom: 14px; text-transform: none; letter-spacing: 0.02em; }
.footer-grid a, .footer-grid p { display: block; font-size: 0.92rem; color: var(--ivory-dim); margin-bottom: 9px; }
.footer-grid a:hover { color: var(--blue-light); }
.compliance-row { display: flex; align-items: center; gap: 28px; padding-top: 32px; border-top: 1px solid var(--line); flex-wrap: wrap; }
.compliance-row img { height: 40px; width: auto; opacity: 0.85; }
.compliance-text { font-size: 0.78rem; color: var(--ivory-dim); max-width: 640px; line-height: 1.5; }
.legal-line { font-size: 0.78rem; color: #726F68; margin-top: 18px; }

/* Sections */
section { padding: 100px 0; }
.section-tight { padding: 64px 0; }
.alt-bg { background: var(--charcoal-2); }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.framed-photo { border: 1px solid var(--line); padding: 14px; background: var(--charcoal-2); }
.framed-photo img { width: 100%; }

/* Hero: large integrated portrait, no box */
.hero {
  position: relative;
  overflow: hidden;
  padding-top: 64px;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 480px;
  align-items: flex-end;
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 32px;
  min-height: 660px;
}
.hero-copy { padding-bottom: 90px; }
.hero-photo { position: relative; height: 620px; align-self: flex-end; display: flex; align-items: flex-end; justify-content: center; }
.hero-photo img { height: 100%; width: auto; max-width: 100%; object-fit: contain; object-position: bottom; filter: drop-shadow(0 30px 50px rgba(0,0,0,0.45)); position: relative; z-index: 1; }
.hero-photo::before {
  content: '';
  position: absolute; left: -20%; right: -20%; bottom: 0; top: 10%;
  background: radial-gradient(ellipse at 50% 100%, rgba(49,143,181,0.14), transparent 70%);
  pointer-events: none;
}
.hero-bigname {
  position: absolute;
  right: -4%;
  top: -6%;
  font-family: var(--sans);
  font-weight: 700;
  font-size: clamp(4rem, 11vw, 8rem);
  letter-spacing: -0.03em;
  color: transparent;
  -webkit-text-stroke: 1px rgba(243,241,236,0.16);
  line-height: 0.85;
  text-align: right;
  z-index: 0;
  pointer-events: none;
  user-select: none;
  white-space: nowrap;
}
.hero-bigname-stacked {
  display: flex;
  flex-direction: column;
  white-space: normal;
  font-size: clamp(3.2rem, 8.5vw, 6.2rem);
  line-height: 0.86;
}
.hero-bigname-stacked span:first-child { align-self: flex-end; }
.hero-bigname-stacked span:last-child { align-self: flex-end; margin-right: -2%; }
@media (max-width: 860px) {
  .hero-bigname { display: none; }
}
@media (max-width: 860px) {
  .hero-grid { grid-template-columns: 1fr; min-height: auto; }
  .hero-photo { max-width: 340px; margin: 0 auto; order: -1; }
  .hero-copy { padding-bottom: 40px; padding-top: 20px; text-align: left; }
}

.card { background: var(--charcoal-2); border: 1px solid var(--line); padding: 36px; }
.card h3 { margin-bottom: 12px; }
.cards-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.cards-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }

.kicker { font-family: var(--sans); font-size: 0.85rem; color: var(--blue-light); margin-bottom: 18px; display: block; letter-spacing: 0.01em; }

.divider-accent { width: 64px; height: 2px; background: var(--blue); margin: 28px 0; }

/* Forms */
.field { margin-bottom: 20px; }
.field label { display: block; font-size: 0.88rem; color: var(--ivory-dim); margin-bottom: 8px; }
.field input, .field textarea, .field select {
  width: 100%; background: var(--charcoal-3); border: 1px solid var(--line);
  color: var(--ivory); padding: 13px 16px; font-family: var(--sans); font-size: 0.97rem;
}
.field input:focus, .field textarea:focus, .field select:focus { outline: none; border-color: var(--blue); }
.field textarea { resize: vertical; min-height: 110px; }

.lead-box { background: var(--charcoal-2); border: 1px solid var(--line); padding: 40px; }

@media (max-width: 860px) {
  .grid-2 { grid-template-columns: 1fr; gap: 36px; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .cards-3 { grid-template-columns: 1fr; }
  .cards-2 { grid-template-columns: 1fr; }
  nav.primary { position: fixed; top: 73px; left: 0; right: 0; bottom: 0; background: var(--charcoal); flex-direction: column; align-items: stretch; padding: 20px; display: none; overflow-y: auto; }
  nav.primary.open { display: flex; }
  nav.primary > .nav-item { width: 100%; }
  nav.primary > .nav-item > a, nav.primary > .nav-item > button { width: 100%; justify-content: space-between; padding: 16px 4px; border-bottom: 1px solid var(--line); }
  .dropdown-panel { position: static; opacity: 1; visibility: visible; transform: none; display: none; background: none; border: none; box-shadow: none; padding-left: 16px; }
  .dropdown.open .dropdown-panel { display: block; }
  .menu-toggle { display: block; }
  .nav-cta { display: none; }
  section { padding: 64px 0; }
}

/* State outline icons on cards */
.card { position: relative; }
.state-icon {
  position: absolute; top: 32px; right: 28px;
  height: 36px; width: auto; overflow: visible;
}
.state-icon path {
  fill: none; stroke: var(--blue-light); stroke-width: 1.5px;
  vector-effect: non-scaling-stroke; stroke-linejoin: round; stroke-linecap: round;
  opacity: 0.85;
}
.state-icon path.state-link { stroke-dasharray: 3 4; opacity: 0.9; }

/* Relocation roadmap tabs */
.rm-tabs { display: grid; grid-template-columns: repeat(4, 1fr); margin-top: 40px; border: 1px solid var(--line); background: var(--charcoal); }
.rm-tab {
  display: flex; align-items: center; gap: 14px; text-align: left;
  background: transparent; border: none; border-right: 1px solid var(--line);
  color: var(--ivory-dim); font-family: var(--sans); font-size: 1rem; font-weight: 500;
  padding: 22px 24px; cursor: pointer; transition: color 0.2s, background 0.2s;
}
.rm-tab:last-child { border-right: none; }
.rm-tab:hover { color: var(--ivory); }
.rm-tab:focus-visible { outline: 2px solid var(--blue); outline-offset: -2px; }
.rm-num { font-family: var(--serif); font-size: 1.7rem; line-height: 1; color: var(--ivory-dim); }
.rm-tab[aria-selected="true"] { background: var(--charcoal-3); color: var(--ivory); box-shadow: inset 0 -2px 0 var(--blue); }
.rm-tab[aria-selected="true"] .rm-num { color: var(--blue-light); }
.rm-panel {
  display: grid; grid-template-columns: 1fr 1.25fr; gap: 56px;
  padding: 44px; border: 1px solid var(--line); border-top: none; background: var(--charcoal);
}
.rm-panel[hidden] { display: none; }
.rm-list { list-style: none; margin: 0; padding: 0; }
.rm-list li { position: relative; padding: 15px 0 15px 32px; border-bottom: 1px solid var(--line); color: var(--ivory-dim); line-height: 26px; }
.rm-list li:first-child { padding-top: 0; }
.rm-list li:first-child::before { top: 13px; }
.rm-list li:last-child { border-bottom: none; }
.rm-list li::before { content: ''; position: absolute; left: 0; top: 28px; width: 16px; height: 1px; background: var(--blue); }
@media (max-width: 860px) {
  .rm-tabs { grid-template-columns: repeat(2, 1fr); }
  .rm-tab { padding: 18px 18px; border-bottom: 1px solid var(--line); }
  .rm-tab:nth-child(2n) { border-right: none; }
  .rm-tab:nth-last-child(-n+2) { border-bottom: none; }
  .rm-panel { grid-template-columns: 1fr; gap: 28px; padding: 28px; }
}

/* Investing: facts grid, client rows, calculator */
.facts { display: grid; grid-template-columns: repeat(4, 1fr); border-top: 1px solid var(--line); border-left: 1px solid var(--line); }
.facts > div { padding: 28px; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.facts h3 { font-size: 1.2rem; margin-bottom: 10px; }
.facts p { margin: 0; font-size: 0.95rem; }
.rows-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0 56px; }
.rows-2 > div { border-top: 1px solid var(--line); padding: 26px 0 30px; }
.rows-2 h3 { font-size: 1.25rem; margin-bottom: 8px; }
.rows-2 p { margin: 0; }
.calc { display: grid; grid-template-columns: 1.15fr 1fr; gap: 48px; margin-top: 44px; align-items: start; }
.calc-inputs { display: grid; grid-template-columns: 1fr 1fr; gap: 0 20px; }
.calc-results { background: var(--charcoal); border: 1px solid var(--line); padding: 36px; position: sticky; top: 100px; }
.calc-label { display: block; font-size: 0.85rem; color: var(--ivory-dim); margin-bottom: 8px; }
.calc-big { display: block; font-family: var(--serif); font-size: clamp(2.4rem, 5vw, 3.4rem); line-height: 1; color: var(--blue-light); margin-bottom: 28px; }
.calc-big.neg { color: var(--gold-light); }
.calc-results dl { margin: 0; }
.calc-results dl > div { display: flex; justify-content: space-between; gap: 20px; padding: 13px 0; border-top: 1px solid var(--line); }
.calc-results dt { color: var(--ivory-dim); font-size: 0.92rem; }
.calc-results dd { margin: 0; color: var(--ivory); font-weight: 500; white-space: nowrap; }
.calc-note { margin-top: 28px; font-size: 0.82rem; max-width: 80ch; color: #8d9091; }
@media (max-width: 1000px) { .facts { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 860px) {
  .facts { grid-template-columns: 1fr; }
  .rows-2 { grid-template-columns: 1fr; }
  .calc { grid-template-columns: 1fr; gap: 32px; }
  .calc-inputs { grid-template-columns: 1fr; }
  .calc-results { position: static; padding: 28px; }
}

/* Calculator v2: advanced assumptions, outlook, tables */
.field .hint { display: block; margin-top: 6px; font-size: 0.78rem; color: #8d9091; }
.calc-adv { margin-top: 8px; border-top: 1px solid var(--line); padding-top: 18px; }
.calc-adv summary { cursor: pointer; font-weight: 500; color: var(--blue-light); padding: 6px 0 14px; list-style: none; }
.calc-adv summary::-webkit-details-marker { display: none; }
.calc-adv summary::before { content: '+'; display: inline-block; width: 18px; font-family: var(--serif); font-size: 1.2rem; }
.calc-adv[open] summary::before { content: '\2212'; }
.calc-adv-note { font-size: 0.88rem; margin-bottom: 20px; }
.calc-outlook { margin-top: 72px; padding-top: 48px; border-top: 1px solid var(--line); }
.calc-outlook-head { display: flex; align-items: flex-end; justify-content: space-between; gap: 24px; flex-wrap: wrap; margin-bottom: 20px; }
.calc-outlook-head h3 { font-size: 1.9rem; }
.calc-outlook-head select { min-width: 150px; }
.calc-take { max-width: 70ch; color: var(--ivory); font-size: 1.05rem; margin-bottom: 28px; }
.calc-tiles { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-bottom: 24px; }
.calc-tile { background: var(--charcoal); border: 1px solid var(--line); padding: 26px 28px; }
.calc-tile-big { display: block; font-family: var(--serif); font-size: clamp(1.9rem, 3.4vw, 2.5rem); line-height: 1.05; color: var(--ivory); }
.calc-two { display: grid; grid-template-columns: 1.1fr 1fr; gap: 16px; margin-bottom: 24px; }
.calc-card { background: var(--charcoal); border: 1px solid var(--line); padding: 30px 32px; }
.calc-card h4 { font-family: var(--sans); font-size: 0.92rem; font-weight: 600; color: var(--ivory-dim); margin-bottom: 14px; }
.calc-card dl { margin: 0; }
.calc-card dl > div { display: flex; justify-content: space-between; gap: 20px; padding: 12px 0; border-top: 1px solid var(--line); }
.calc-card dt { color: var(--ivory-dim); font-size: 0.92rem; }
.calc-card dd { margin: 0; color: var(--ivory); font-weight: 500; white-space: nowrap; }
.calc-card dl > div.total { border-top: 1px solid var(--blue); }
.calc-card dl > div.total dt, .calc-card dl > div.total dd { color: var(--ivory); font-weight: 600; }
.calc-card-note { margin: 16px 0 0; font-size: 0.82rem; color: #8d9091; }
.calc-mini, .calc-table { width: 100%; border-collapse: collapse; }
.calc-mini th, .calc-mini td, .calc-table th, .calc-table td { padding: 12px 10px; text-align: right; border-top: 1px solid var(--line); font-size: 0.92rem; }
.calc-mini th:first-child, .calc-mini td:first-child, .calc-table th:first-child, .calc-table td:first-child { text-align: left; }
.calc-mini th, .calc-table th { color: var(--ivory-dim); font-weight: 500; font-size: 0.85rem; }
.calc-mini td, .calc-table td { color: var(--ivory); }
.calc-table-wrap { overflow-x: auto; background: var(--charcoal); border: 1px solid var(--line); padding: 8px 20px 12px; }
.calc-table { min-width: 620px; }
.calc-table thead th { border-top: none; }
.calc-table tr.sale-row td { background: var(--charcoal-3); font-weight: 600; }
@media (max-width: 860px) {
  .calc-tiles { grid-template-columns: 1fr; }
  .calc-two { grid-template-columns: 1fr; }
  .calc-card { padding: 24px; }
  .calc-outlook { margin-top: 48px; padding-top: 36px; }
}

/* FAQ accordion */
.faq-list { max-width: 820px; border-top: 1px solid var(--line); }
details.faq { border-bottom: 1px solid var(--line); }
details.faq summary { cursor: pointer; list-style: none; position: relative; padding: 22px 44px 22px 0; font-family: var(--serif); font-size: 1.25rem; color: var(--ivory); }
details.faq summary::-webkit-details-marker { display: none; }
details.faq summary::after { content: '+'; position: absolute; right: 6px; top: 18px; color: var(--blue-light); font-size: 1.6rem; line-height: 1; }
details.faq[open] summary::after { content: '\2212'; }
details.faq summary:focus-visible { outline: 2px solid var(--blue); outline-offset: 2px; }
details.faq p { margin: 0; padding: 0 44px 24px 0; max-width: 70ch; }

/* Blog */
.post { max-width: 720px; }
.post h2 { font-size: 1.6rem; margin: 40px 0 14px; }
.post p, .post li { font-size: 1.05rem; line-height: 1.75; }
.post ul { padding-left: 1.2rem; margin: 0 0 1rem; }
.post li { margin-bottom: 8px; color: var(--ivory-dim); }
.post-meta { margin-top: 16px; color: var(--ivory-dim); font-size: 0.95rem; }
.post-sources { margin-top: 44px; padding-top: 24px; border-top: 1px solid var(--line); }
.post-sources h3 { font-size: 1.1rem; margin-bottom: 10px; }
.post-sources li { font-size: 0.95rem; }
.post-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.post-card { display: block; background: var(--charcoal-2); border: 1px solid var(--line); padding: 32px; text-decoration: none; transition: border-color 0.2s; }
.post-card:hover { border-color: var(--blue); }
.post-card h3 { font-size: 1.35rem; margin: 6px 0 12px; color: var(--ivory); }
.post-card p { font-size: 0.95rem; margin-bottom: 18px; }
.post-card-meta { color: var(--blue-light); font-size: 0.88rem; }
.subscribe { max-width: 720px; background: var(--charcoal); border: 1px solid var(--line); padding: 36px; }
.subscribe h3 { font-size: 1.6rem; margin-bottom: 8px; }
.subscribe-row { display: flex; gap: 12px; margin-top: 18px; }
.subscribe-row input[type=email] { flex: 1; min-width: 0; background: var(--charcoal-2); border: 1px solid var(--line); color: var(--ivory); padding: 14px 16px; font: inherit; }
.subscribe-row input[type=email]:focus { outline: 2px solid var(--blue); outline-offset: -1px; }
.consent { display: block; margin-top: 14px; font-size: 0.82rem; color: #8d9091; }
.consent input { margin-right: 8px; }
@media (max-width: 960px) { .post-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 640px) {
  .post-grid { grid-template-columns: 1fr; }
  .subscribe { padding: 26px; }
  .subscribe-row { flex-direction: column; }
  details.faq summary { font-size: 1.12rem; }
}

/* First/last name side by side */
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
@media (max-width: 520px) { .field-row { grid-template-columns: 1fr; gap: 0; } }