/* ==========================================================================
   krisfinancial.com — shared styles
   Brand: matte black + gold · Cormorant Garamond (display) / Montserrat (body)
   ========================================================================== */
:root{
  --ink:#0E1219; --ink2:#141A22; --panel:#1A2029; --panel2:#20272F;
  --line:rgba(255,255,255,0.08); --line-gold:rgba(198,160,82,0.30);
  --ivory:#F4F1EA; --muted:#AEB4BF; --muted2:#7C8697;
  --gold:#C6A052; --gold-lt:#E7CE8C;
  --grad-gold:linear-gradient(120deg,#E7CE8C,#C6A052 55%,#A9863C);
  --maxw:1140px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  background:var(--ink);color:var(--ivory);
  font-family:'Montserrat',system-ui,sans-serif;font-weight:300;line-height:1.65;
  -webkit-font-smoothing:antialiased;overflow-x:hidden;
}
h1,h2,h3,h4,.serif{font-family:'Cormorant Garamond',Georgia,serif;font-weight:600;line-height:1.12}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.gold{color:var(--gold)}
.gold-text{background:var(--grad-gold);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.eyebrow{font-family:'Montserrat',sans-serif;font-weight:600;font-size:12px;letter-spacing:3.5px;text-transform:uppercase;color:var(--gold)}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 26px}
section{position:relative}
.muted{color:var(--muted)}

/* ---------- nav ---------- */
nav{position:fixed;top:0;left:0;right:0;z-index:50;transition:.35s;
  background:rgba(14,18,25,0);border-bottom:1px solid transparent}
nav.solid{background:rgba(14,18,25,0.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:74px;max-width:var(--maxw);margin:0 auto;padding:0 26px}
.brand{display:flex;align-items:center;gap:11px;font-family:'Cormorant Garamond',serif;font-size:23px;font-weight:700}
.brand .ring{width:38px;height:38px;border:1.5px solid var(--gold);border-radius:50%;display:grid;place-items:center;font-size:16px;color:var(--gold)}
.brand .nm{color:var(--ivory);font-weight:600}
.nav-links{display:flex;gap:30px;align-items:center}
.nav-links a{font-size:13px;letter-spacing:.6px;color:var(--muted);font-weight:400;transition:.2s;position:relative}
.nav-links a:hover,.nav-links a.active{color:var(--gold)}
.nav-links a.active::after{content:"";position:absolute;left:0;right:0;bottom:-6px;height:1.5px;background:var(--gold)}
.nav-cta{border:1px solid var(--gold);color:var(--gold);padding:9px 18px;border-radius:40px;font-size:12px;letter-spacing:1px;text-transform:uppercase;font-weight:500;transition:.25s}
.nav-cta:hover{background:var(--gold);color:var(--ink)}
.burger{display:none;background:none;border:none;color:var(--ivory);font-size:26px;cursor:pointer;line-height:1}
.mobile-menu{display:none;flex-direction:column;background:var(--ink2);border-top:1px solid var(--line);padding:8px 26px 20px}
.mobile-menu.open{display:flex}
.mobile-menu a{padding:13px 0;color:var(--muted);border-bottom:1px solid var(--line);font-size:15px}
.mobile-menu a:last-child{border-bottom:none}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:10px;font-family:'Montserrat',sans-serif;font-weight:500;
  font-size:14px;letter-spacing:.5px;padding:15px 30px;border-radius:44px;cursor:pointer;transition:.25s;border:1px solid transparent}
.btn-gold{background:var(--grad-gold);color:var(--ink);font-weight:600}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 12px 30px rgba(198,160,82,0.28)}
.btn-ghost{border-color:var(--line-gold);color:var(--gold)}
.btn-ghost:hover{background:rgba(198,160,82,0.08);border-color:var(--gold)}

/* ---------- page hero (interior) ---------- */
.phero{padding:150px 0 60px;background:radial-gradient(900px 500px at 12% 0%, rgba(198,160,82,0.10), transparent 60%)}
.phero .eyebrow{margin-bottom:18px}
.phero h1{font-size:clamp(38px,5.5vw,66px);letter-spacing:-.5px;margin-bottom:20px}
.phero p{font-size:clamp(16px,2vw,19px);color:var(--muted);max-width:58ch}

/* ---------- generic section ---------- */
.sec{padding:84px 0}
.sec-head{max-width:620px;margin-bottom:52px}
.sec-head .eyebrow{margin-bottom:16px}
.sec-head h2{font-size:clamp(30px,4vw,46px);letter-spacing:-.5px;margin-bottom:16px}
.sec-head p{color:var(--muted);font-size:16px}
.alt{background:var(--ink2)}

/* ---------- cards ---------- */
.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--panel);border:1px solid var(--line);border-radius:16px;padding:30px;transition:.3s}
.card:hover{border-color:var(--line-gold);transform:translateY(-3px)}
.card .ic{width:46px;height:46px;border-radius:12px;background:rgba(198,160,82,0.12);display:grid;place-items:center;margin-bottom:18px;color:var(--gold)}
.card h3{font-size:22px;margin-bottom:10px;color:var(--ivory)}
.card p{color:var(--muted);font-size:14.5px}
.card .more{display:inline-block;margin-top:16px;font-size:13px;letter-spacing:.5px;color:var(--gold);font-weight:500}

/* ---------- lists ---------- */
.ticks{list-style:none;display:flex;flex-direction:column;gap:14px}
.ticks li{display:flex;gap:13px;align-items:flex-start;color:var(--muted);font-size:15px}
.ticks li::before{content:"";flex:none;width:20px;height:20px;margin-top:2px;border-radius:50%;
  background:rgba(198,160,82,0.14);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%23C6A052' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:center}

/* ---------- steps ---------- */
.steps{counter-reset:s;display:flex;flex-direction:column;gap:2px}
.step{display:grid;grid-template-columns:64px 1fr;gap:22px;padding:26px 0;border-bottom:1px solid var(--line);align-items:start}
.step:last-child{border-bottom:none}
.step .n{counter-increment:s;font-family:'Cormorant Garamond',serif;font-size:40px;color:var(--gold);line-height:1}
.step .n::before{content:"0" counter(s)}
.step h3{font-size:21px;margin-bottom:7px}
.step p{color:var(--muted);font-size:15px}

/* ---------- callout / CTA band ---------- */
.band{background:linear-gradient(120deg,#171d26,#0e1219);border:1px solid var(--line-gold);border-radius:22px;padding:54px;text-align:center}
.band h2{font-size:clamp(28px,4vw,42px);margin-bottom:14px}
.band p{color:var(--muted);max-width:56ch;margin:0 auto 26px}
.band .btn-row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

/* ---------- disclosure box ---------- */
.disc{background:var(--panel);border:1px solid var(--line);border-radius:14px;padding:26px 30px}
.disc p{color:var(--muted2);font-size:12.5px;line-height:1.7;margin-bottom:10px}
.disc p:last-child{margin-bottom:0}
.disc strong{color:var(--muted)}

/* ---------- contact ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.crow{display:flex;gap:16px;align-items:center;padding:20px 0;border-bottom:1px solid var(--line)}
.crow:last-child{border-bottom:none}
.crow .ic{flex:none;width:44px;height:44px;border-radius:12px;border:1px solid var(--line-gold);display:grid;place-items:center;color:var(--gold)}
.crow .lbl{font-size:12px;letter-spacing:1.5px;text-transform:uppercase;color:var(--muted2)}
.crow .val{font-size:17px;color:var(--ivory)}

/* ---------- footer ---------- */
footer{background:var(--ink2);border-top:1px solid var(--line);padding:56px 0 30px}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:36px;margin-bottom:40px}
.foot-brand .brand{margin-bottom:16px}
.foot-brand p{color:var(--muted2);font-size:13.5px;max-width:34ch}
.foot-col h4{font-family:'Montserrat',sans-serif;font-size:12px;letter-spacing:2px;text-transform:uppercase;color:var(--gold);margin-bottom:16px;font-weight:600}
.foot-col a{display:block;color:var(--muted);font-size:14px;padding:6px 0;transition:.2s}
.foot-col a:hover{color:var(--gold)}
.foot-bottom{border-top:1px solid var(--line);padding-top:24px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
.foot-bottom p{color:var(--muted2);font-size:12px}

/* ---------- utilities ---------- */
.lead-lg{font-size:clamp(18px,2.2vw,22px);color:var(--muted);font-weight:300;line-height:1.6}
.center{text-align:center}
.mt-s{margin-top:14px}.mt-m{margin-top:26px}.mt-l{margin-top:44px}
.pill{display:inline-block;font-size:11px;letter-spacing:1.5px;text-transform:uppercase;font-weight:600;
  padding:5px 12px;border-radius:30px;background:rgba(198,160,82,0.12);color:var(--gold);margin-bottom:18px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.stat{font-family:'Cormorant Garamond',serif;font-size:52px;color:var(--gold);line-height:1}
.stat-lab{color:var(--muted2);font-size:13px;margin-top:6px}

/* ---------- reveal ---------- */
.reveal{opacity:0;transform:translateY(22px);transition:.7s cubic-bezier(.2,.7,.2,1)}
.reveal.in{opacity:1;transform:none}

/* ---------- responsive ---------- */
@media(max-width:900px){
  .nav-links{display:none}.burger{display:block}
  .g3,.g4{grid-template-columns:repeat(2,1fr)}
  .contact-grid,.split{grid-template-columns:1fr;gap:28px}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:560px){
  .g2,.g3,.g4{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr}
  .band{padding:36px 24px}
  .step{grid-template-columns:44px 1fr;gap:16px}
  .step .n{font-size:32px}
}
@media(prefers-reduced-motion:reduce){
  *{scroll-behavior:auto}
  .reveal{opacity:1;transform:none;transition:none}
  .btn-gold:hover{transform:none}
}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:4px}