/* ============================================================
   Willard Tax & Financial — shared stylesheet
   Extracted from single-page build + multi-page revisions.
   ============================================================ */
@font-face{
  font-family:'Essonnes Display';
  src:url('fonts/EssonnesDisplay-Italic.ttf') format('truetype');
  font-weight:400; font-style:normal; font-display:swap;
}
/* Self-hosted Jost + Lato (portable; no Google Fonts dependency) */
@font-face{font-family:'Jost';font-style:normal;font-weight:300;font-display:swap;src:url('fonts/jost-300.woff2') format('woff2');}
@font-face{font-family:'Jost';font-style:normal;font-weight:400;font-display:swap;src:url('fonts/jost-300.woff2') format('woff2');}
@font-face{font-family:'Jost';font-style:normal;font-weight:500;font-display:swap;src:url('fonts/jost-300.woff2') format('woff2');}
@font-face{font-family:'Jost';font-style:normal;font-weight:600;font-display:swap;src:url('fonts/jost-300.woff2') format('woff2');}
@font-face{font-family:'Lato';font-style:italic;font-weight:400;font-display:swap;src:url('fonts/lato-400i.woff2') format('woff2');}
@font-face{font-family:'Lato';font-style:normal;font-weight:300;font-display:swap;src:url('fonts/lato-300.woff2') format('woff2');}
@font-face{font-family:'Lato';font-style:normal;font-weight:400;font-display:swap;src:url('fonts/lato-400.woff2') format('woff2');}
@font-face{font-family:'Lato';font-style:normal;font-weight:700;font-display:swap;src:url('fonts/lato-700.woff2') format('woff2');}
  :root{
    --paper:#F7F5F0; --surface:#FFFFFF;
    --ink:#0E2233; --ink-soft:#5D6B78;
    --deep:#0A3D62; --teal:#1D8A99; --gold:#C2A06A; --line:#E0DACD;
    --maxw:1300px;
    --gutter:clamp(24px,8vw,120px);
    --serif:'Essonnes Display',Georgia,serif;
    --grotesk:'Jost',Helvetica,Arial,sans-serif;
    --body:'Lato',Helvetica,Arial,sans-serif;
  }
  *{box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--body);font-weight:400;font-size:18px;line-height:1.75;-webkit-font-smoothing:antialiased;}
  .wrap{max-width:var(--maxw);margin:0 auto;padding-left:var(--gutter);padding-right:var(--gutter);}
  section{padding:120px 0;}
  @media(max-width:768px){section{padding:80px 0;}}
  h1,h2,h3{margin:0;font-weight:400;}
  a{color:inherit;}
  p{margin:0;}

  /* TYPE PRIMITIVES (the system) */
  .eyebrow{font-family:var(--grotesk);font-weight:600;font-size:12px;letter-spacing:.26em;text-transform:uppercase;color:var(--teal);margin:0 0 28px;}
  .display{font-family:var(--grotesk);font-weight:300;text-transform:uppercase;letter-spacing:.10em;line-height:1.14;}
  .h-hero{font-size:clamp(26px,2.4vw,36px);}
  .h-sec{font-size:clamp(26px,3.2vw,42px);}
  .accent{font-family:var(--serif);font-weight:400;font-size:clamp(20px,2.1vw,26px);line-height:1.4;letter-spacing:.005em;}
  .lead{font-size:19px;line-height:1.8;color:var(--ink-soft);max-width:60ch;}
  .label-num{font-family:var(--grotesk);font-weight:300;font-size:30px;letter-spacing:.04em;color:var(--gold);}

  .btn{display:inline-block;font-family:var(--grotesk);font-weight:600;text-transform:uppercase;letter-spacing:.16em;font-size:12px;padding:17px 34px;border-radius:2px;text-decoration:none;transition:transform .2s,background .2s,color .2s;}
  .btn-gold{background:var(--gold);color:var(--ink);border:1px solid var(--gold);}
  .btn-gold:hover{transform:translateY(-2px);background:transparent;color:var(--ink);border-color:var(--gold);}
  .btn-ghost{border:1px solid rgba(255,255,255,.55);color:#fff;}
  .btn-ghost:hover{background:#fff;color:var(--ink);}

  /* NAV */
  header.nav{position:absolute;top:0;left:0;right:0;z-index:20;}
  .nav .wrap{display:flex;align-items:center;justify-content:space-between;padding-top:30px;padding-bottom:30px;}
  .nav .logo{height:40px;width:auto;display:block;}
  .nav .navwrap{display:flex;align-items:center;gap:34px;}
  .nav .menu{display:flex;align-items:center;gap:36px;list-style:none;margin:0;padding:0;}
  .nav .menu>li{position:relative;}
  .nav .menu>li>a{font-family:var(--grotesk);font-weight:400;text-transform:uppercase;letter-spacing:.16em;font-size:12px;color:#fff;text-decoration:none;padding:8px 0;display:inline-block;position:relative;transition:color .3s ease;}
  .nav .menu>li>a::after{content:"";position:absolute;left:0;bottom:2px;height:1px;width:0;background:var(--gold);transition:width .35s ease;}
  .nav .menu>li>a:hover::after{width:100%;}
  .nav .caret{display:inline-block;margin-left:7px;width:5px;height:5px;border:solid currentColor;border-width:0 1px 1px 0;transform:rotate(45deg) translateY(-1px);opacity:.85;transition:transform .3s ease;}
  .nav .has-drop:hover .caret{transform:rotate(225deg) translateY(0);}
  .nav .submenu{position:absolute;top:100%;left:-18px;min-width:215px;background:rgba(10,34,52,.97);backdrop-filter:blur(8px);border:1px solid rgba(255,255,255,.12);border-radius:4px;padding:8px 0;margin-top:12px;list-style:none;opacity:0;visibility:hidden;transform:translateY(6px);transition:opacity .25s ease,transform .25s ease,visibility .25s;box-shadow:0 18px 40px -18px rgba(0,0,0,.6);}
  .nav .has-drop:hover .submenu{opacity:1;visibility:visible;transform:translateY(0);}
  .nav .submenu a{display:block;padding:11px 22px;font-family:var(--grotesk);font-weight:400;text-transform:uppercase;letter-spacing:.12em;font-size:11px;color:#dfe7ec;text-decoration:none;transition:color .25s ease,background .25s ease,padding-left .25s ease;}
  .nav .submenu a:hover{color:var(--gold);background:rgba(255,255,255,.05);padding-left:26px;}
  .nav .socials{display:flex;gap:15px;align-items:center;}
  .nav .socials a{color:#fff;opacity:.82;transition:opacity .3s ease,color .3s ease,transform .3s ease;display:inline-flex;}
  .nav .socials a:hover{opacity:1;color:var(--gold);transform:translateY(-1px);}
  .nav .socials svg{width:16px;height:16px;fill:currentColor;display:block;}
  .nav .cta-mini{font-family:var(--grotesk);font-weight:600;text-transform:uppercase;letter-spacing:.16em;font-size:12px;color:#fff;text-decoration:none;border:1px solid rgba(255,255,255,.5);padding:11px 20px;border-radius:2px;transition:background .35s ease,color .35s ease,border-color .35s ease;}
  .nav .cta-mini:hover{background:var(--gold);color:var(--ink);border-color:var(--gold);}
  @media(max-width:1280px){.nav .menu,.nav .socials{display:none;}}

  /* HERO */
  .hero{position:relative;height:100vh;min-height:640px;padding:0;display:flex;align-items:flex-end;overflow:hidden;}
  .hero video,.hero .poster{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;}
  .hero .scrim{position:absolute;inset:0;background:linear-gradient(100deg,rgba(8,22,34,.74) 0%,rgba(8,22,34,.45) 46%,rgba(8,22,34,.08) 74%,rgba(8,22,34,0) 100%);}
  .hero .wrap{width:100%;}
  .hero .inner{position:relative;z-index:2;max-width:660px;margin-right:auto;padding-bottom:12vh;}
  .hero .eyebrow{color:#bfe3e8;}
  .hero h1{color:#fff;text-shadow:0 2px 30px rgba(0,0,0,.4);}
  .hero .accent{display:block;color:#dfeef0;margin:26px 0 0;max-width:24ch;text-shadow:0 1px 16px rgba(0,0,0,.5);}
  .hero .btn{margin-top:40px;}

  /* GENERIC SECTION HEADER BLOCK */
  .sec-head{max-width:760px;margin:0 0 64px;}
  .sec-head.center{margin-left:auto;margin-right:auto;text-align:center;}
  .sec-head .accent{display:block;color:var(--deep);margin:22px 0 0;}

  /* DARK SECTION TREATMENT */
  .dark{background:var(--ink);color:#e7edf1;}
  .dark .eyebrow{color:var(--teal);}
  .dark .h-sec{color:#fff;}
  .dark .accent{color:#bfe3e8;}
  .dark .lead{color:#aab8c2;}

  /* APPROACH / WATERLINE */
  .waterline{margin-top:8px;display:grid;gap:1px;background:var(--line);border:1px solid var(--line);border-radius:4px;overflow:hidden;}
  .layer{display:grid;grid-template-columns:210px 1fr;gap:32px;padding:40px 44px;background:var(--surface);align-items:start;}
  .layer .tag{font-family:var(--grotesk);font-weight:600;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:#fff;background:var(--deep);padding:8px 14px;border-radius:2px;justify-self:start;}
  .layer.surface .tag{background:var(--teal);}
  .layer.move .tag{background:var(--gold);color:var(--ink);}
  .layer h3{font-family:var(--grotesk);font-weight:300;text-transform:uppercase;letter-spacing:.06em;font-size:18px;margin:0 0 10px;color:var(--ink);}
  .layer p{color:var(--ink-soft);font-size:16px;line-height:1.7;}
  @media(max-width:768px){.layer{grid-template-columns:1fr;gap:14px;padding:30px 26px;}}

  /* SERVICES (dark) */
  .grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:rgba(255,255,255,.10);border:1px solid rgba(255,255,255,.10);border-radius:4px;overflow:hidden;}
  .card{padding:48px 38px;background:var(--ink);transition:background .25s;}
  .card:hover{background:#13293c;}
  .card h3{font-family:var(--grotesk);font-weight:300;text-transform:uppercase;letter-spacing:.07em;font-size:19px;margin:20px 0 14px;color:#fff;}
  .card p{color:#aab8c2;font-size:16px;line-height:1.7;}
  .card .price{margin-top:18px;font-family:var(--grotesk);font-weight:600;font-size:13px;letter-spacing:.04em;color:var(--gold);}
  .card .price span{color:#7d8c97;font-weight:400;}
  @media(max-width:880px){.grid3{grid-template-columns:1fr;}}

  /* ENGAGEMENTS / PRICING */
  #engagements .sec-head{max-width:820px;}
  .tiers{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:4px;overflow:hidden;margin-top:56px;}
  .tier{background:var(--surface);padding:42px 30px 36px;display:flex;flex-direction:column;}
  .tier .tnum{font-family:var(--grotesk);font-weight:600;font-size:11px;letter-spacing:.20em;text-transform:uppercase;color:var(--gold);margin-bottom:14px;}
  .tier .tname{font-family:var(--grotesk);font-weight:300;text-transform:uppercase;letter-spacing:.06em;font-size:19px;color:var(--ink);margin:0;}
  .tier .desc{font-family:var(--serif);font-weight:400;font-size:16px;line-height:1.45;color:var(--teal);margin:10px 0 0;}
  .tier .amt{margin:24px 0 0;font-family:var(--grotesk);font-weight:300;font-size:38px;line-height:1;letter-spacing:.01em;color:var(--deep);}
  .tier .amt small{font-size:15px;font-weight:400;letter-spacing:.02em;color:var(--ink-soft);}
  .tier .setup{margin:9px 0 0;font-family:var(--grotesk);font-weight:600;font-size:11px;letter-spacing:.10em;text-transform:uppercase;color:var(--ink-soft);}
  .tier ul{list-style:none;margin:26px 0 0;padding:22px 0 0;border-top:1px solid var(--line);}
  .tier li{position:relative;padding-left:22px;font-size:14.5px;line-height:1.55;color:var(--ink-soft);margin-bottom:13px;}
  .tier li::before{content:"";position:absolute;left:0;top:9px;width:7px;height:7px;border-right:1.5px solid var(--gold);border-bottom:1.5px solid var(--gold);transform:rotate(45deg);}
  .tier li.inherits{padding-left:0;font-family:var(--grotesk);font-weight:600;font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:var(--ink);}
  .tier li.inherits::before{display:none;}
  .tier .foot{margin-top:auto;padding-top:26px;}
  .tier .btn-line{font-family:var(--grotesk);font-weight:600;text-transform:uppercase;letter-spacing:.16em;font-size:11px;color:var(--deep);text-decoration:none;border-bottom:1px solid var(--gold);padding-bottom:4px;transition:color .25s,border-color .25s;}
  .tier .btn-line:hover{color:var(--teal);}
  @media(max-width:1080px){.tiers{grid-template-columns:repeat(2,1fr);}}
  @media(max-width:560px){.tiers{grid-template-columns:1fr;}}

  /* FRACTIONAL CFO APEX BAND */
  .cfo{margin-top:1px;background:var(--ink);color:#e7edf1;border-radius:4px;overflow:hidden;display:grid;grid-template-columns:.85fr 1.15fr;}
  .cfo .cfo-left{padding:52px 46px;border-right:1px solid rgba(255,255,255,.10);}
  .cfo .cfo-right{padding:52px 46px;display:flex;flex-direction:column;}
  .cfo .tnum{font-family:var(--grotesk);font-weight:600;font-size:11px;letter-spacing:.20em;text-transform:uppercase;color:var(--gold);}
  .cfo h3{font-family:var(--grotesk);font-weight:300;text-transform:uppercase;letter-spacing:.06em;font-size:23px;color:#fff;margin:12px 0 0;}
  .cfo .desc{font-family:var(--serif);font-size:17px;line-height:1.45;color:#bfe3e8;margin:12px 0 0;}
  .cfo .amt{font-family:var(--grotesk);font-weight:300;font-size:40px;color:#fff;margin:26px 0 0;line-height:1;}
  .cfo .amt small{font-size:15px;font-weight:400;color:#aab8c2;}
  .cfo .setup{font-family:var(--grotesk);font-weight:600;font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:#7fc6d1;margin:10px 0 0;line-height:1.6;}
  .cfo ul{list-style:none;margin:0;padding:0;columns:2;column-gap:34px;}
  .cfo li{position:relative;padding-left:22px;font-size:14.5px;line-height:1.55;color:#aab8c2;margin-bottom:14px;break-inside:avoid;}
  .cfo li::before{content:"";position:absolute;left:0;top:9px;width:7px;height:7px;border-right:1.5px solid var(--gold);border-bottom:1.5px solid var(--gold);transform:rotate(45deg);}
  .cfo li.inherits{padding-left:0;font-family:var(--grotesk);font-weight:600;font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:#fff;column-span:all;margin-bottom:18px;}
  .cfo li.inherits::before{display:none;}
  .cfo blockquote{font-family:var(--serif);font-size:18px;line-height:1.5;color:#dfeef0;margin:auto 0 0;padding-top:24px;border-top:1px solid rgba(255,255,255,.12);}
  @media(max-width:880px){.cfo{grid-template-columns:1fr;}.cfo .cfo-left{border-right:none;border-bottom:1px solid rgba(255,255,255,.10);}.cfo ul{columns:1;}}

  .pricing-note{margin-top:30px;font-size:14px;line-height:1.7;color:var(--ink-soft);max-width:74ch;}
  .pricing-note strong{color:var(--ink);font-weight:700;}

  /* RETIREMENT */
  .retire{max-width:760px;}
  .retire .lead{margin-bottom:22px;}
  .retire .fee{margin-top:14px;display:inline-flex;align-items:baseline;gap:16px;font-family:var(--grotesk);font-weight:600;text-transform:uppercase;letter-spacing:.14em;font-size:13px;color:var(--ink);border-top:1px solid var(--line);padding-top:20px;}
  .retire .fee span{font-family:var(--serif);font-weight:400;text-transform:none;letter-spacing:0;font-size:30px;color:var(--deep);}

  /* FOUNDER PORTRAIT */
  .founder{display:grid;grid-template-columns:320px 1fr;gap:56px;margin-top:44px;align-items:start;}
  .founder figure{margin:0;position:relative;}
  .founder img{display:block;width:100%;height:auto;border-radius:3px;filter:saturate(.96);}
  .founder figure::after{content:"";position:absolute;left:-12px;bottom:-12px;width:64px;height:64px;border-left:2px solid var(--gold);border-bottom:2px solid var(--gold);}
  .founder figcaption{margin-top:20px;font-family:var(--grotesk);font-weight:300;text-transform:uppercase;letter-spacing:.08em;font-size:17px;color:var(--ink);line-height:1.4;}
  .founder figcaption span{color:var(--gold);font-weight:600;font-size:13px;}
  .founder figcaption em{display:block;font-style:normal;font-family:var(--body);text-transform:none;letter-spacing:0;font-size:14px;color:var(--ink-soft);margin-top:4px;}
  .founder .bio p{color:var(--ink-soft);margin-bottom:18px;}
  .founder .bio p:last-child{margin-bottom:0;}
  @media(max-width:768px){.founder{grid-template-columns:1fr;gap:30px;}.founder figure{max-width:300px;}}

  /* PROOF */
  .proof .cols{display:grid;grid-template-columns:1fr 1fr;gap:56px;margin-top:44px;}
  .proof blockquote{font-family:var(--serif);font-weight:400;font-size:clamp(22px,2.4vw,30px);line-height:1.4;color:var(--deep);margin:0 0 8px;padding:0;max-width:24ch;}
  .proof .cols p{color:var(--ink-soft);}
  @media(max-width:880px){.proof .cols{grid-template-columns:1fr;gap:28px;}}

  /* CTA */
  .cta{background:var(--deep);color:#fff;}
  .cta .inner{max-width:640px;}
  .cta .eyebrow{color:#7fc6d1;}
  .cta .h-sec{color:#fff;}
  .cta .accent{display:block;color:#bfe3e8;margin:22px 0 0;}
  .cta .lead{color:#cfe0ea;margin-top:24px;}
  .cta .btn{margin-top:36px;}

  /* FOOTER */
  footer{background:var(--ink);color:#aeb9c1;font-size:14px;padding:60px 0 44px;}
  footer .wrap{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;align-items:center;}
  footer .brand{color:#fff;}
  footer nav a{color:#aeb9c1;text-decoration:none;margin-left:28px;font-family:var(--grotesk);font-size:12px;letter-spacing:.14em;text-transform:uppercase;}
  footer .fine{width:100%;border-top:1px solid rgba(255,255,255,.12);margin-top:32px;padding-top:22px;color:#7d8c97;font-size:12px;letter-spacing:.02em;}

  @media(prefers-reduced-motion:reduce){.hero video{display:none;}.card:hover{background:var(--ink);}.btn-gold:hover{transform:none;background:#fff;color:var(--ink);}}
  /* ===== Muse build: mobile nav + contact form (appended) ===== */
  .navtoggle{display:none;background:none;border:0;cursor:pointer;width:30px;height:22px;position:relative;z-index:60;padding:0;}
  .navtoggle span{position:absolute;left:0;right:0;height:2px;background:#fff;border-radius:2px;transition:transform .3s ease,opacity .25s ease;}
  .navtoggle span:nth-child(1){top:0;}
  .navtoggle span:nth-child(2){top:10px;}
  .navtoggle span:nth-child(3){top:20px;}
  body.menu-open .navtoggle span:nth-child(1){transform:translateY(10px) rotate(45deg);}
  body.menu-open .navtoggle span:nth-child(2){opacity:0;}
  body.menu-open .navtoggle span:nth-child(3){transform:translateY(-10px) rotate(-45deg);}
  .mobile-menu{position:fixed;inset:0;background:rgba(8,22,34,.98);-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px);z-index:50;display:flex;flex-direction:column;justify-content:center;padding:40px var(--gutter);transform:translateX(100%);transition:transform .4s cubic-bezier(.7,0,.2,1);visibility:hidden;}
  body.menu-open .mobile-menu{transform:translateX(0);visibility:visible;}
  .mobile-menu a{font-family:var(--grotesk);font-weight:300;text-transform:uppercase;letter-spacing:.14em;font-size:19px;color:#fff;text-decoration:none;padding:15px 0;border-bottom:1px solid rgba(255,255,255,.08);}
  .mobile-menu a.mm-cta{margin-top:24px;border:0;background:var(--gold);color:var(--ink);text-align:center;font-weight:600;font-size:13px;letter-spacing:.16em;padding:17px;border-radius:2px;}
  @media(max-width:1280px){.navtoggle{display:block;} .nav .cta-mini{display:none;}}
  @media(min-width:1281px){.mobile-menu{display:none;}}
  /* CTA / contact treatment */
  #start{background:var(--ink);color:#e7edf1;}
  #start .eyebrow{color:var(--teal);}
  #start .display,#start h2{color:#fff;}
  #start .accent{color:#bfe3e8;}
  #start .lead{color:#aab8c2;}
  .contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:start;}
  .contact-left{max-width:540px;}
  .contact-meta{margin-top:38px;display:grid;gap:22px;}
  .contact-meta h4{font-family:var(--grotesk);font-weight:600;font-size:11px;letter-spacing:.20em;text-transform:uppercase;color:var(--gold);margin:0 0 7px;}
  .contact-meta p{color:#cdd8e0;font-size:15.5px;line-height:1.65;margin:0;}
  .contact-meta a{color:#cdd8e0;text-decoration:none;border-bottom:1px solid rgba(194,160,106,.5);transition:color .25s;}
  .contact-meta a:hover{color:var(--gold);}
  .cform{background:var(--surface);border-radius:6px;padding:40px 38px;box-shadow:0 30px 60px -30px rgba(0,0,0,.55);}
  .cform .req-note{font-size:12px;color:var(--ink-soft);margin:0 0 22px;font-style:italic;}
  .cform .frow{display:grid;grid-template-columns:1fr 1fr;gap:18px;}
  .field{margin-bottom:18px;}
  .field.full{grid-column:1 / -1;}
  .field label{display:block;font-family:var(--grotesk);font-weight:600;font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--ink);margin-bottom:8px;}
  .field label .req{color:var(--gold);}
  .field input,.field select,.field textarea{width:100%;font-family:var(--body);font-size:16px;color:var(--ink);background:#fff;border:1px solid var(--line);border-radius:3px;padding:13px 14px;transition:border-color .2s,box-shadow .2s;}
  .field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(29,138,153,.12);}
  .field textarea{resize:vertical;min-height:92px;}
  .cform button.btn-gold{width:100%;text-align:center;border:0;cursor:pointer;margin-top:6px;}
  .cform .formnote{font-size:12.5px;color:var(--ink-soft);margin-top:16px;line-height:1.55;}
  .form-success{display:none;text-align:center;padding:28px 8px;}
  .form-success h3{font-family:var(--grotesk);font-weight:300;text-transform:uppercase;letter-spacing:.06em;color:var(--ink);font-size:22px;margin:0 0 12px;}
  .form-success p{color:var(--ink-soft);font-size:16px;line-height:1.6;}
  .cform.sent form,.cform.sent .req-note{display:none;}
  .cform.sent .form-success{display:block;}
  @media(max-width:980px){.contact-grid{grid-template-columns:1fr;gap:42px;}}
  @media(max-width:860px){.cfo{grid-template-columns:1fr;} .cfo .cfo-left{border-right:0;border-bottom:1px solid rgba(255,255,255,.10);} .cfo ul{columns:1;}}
  @media(max-width:520px){.cform{padding:30px 22px;} .cform .frow{grid-template-columns:1fr;gap:0;}}
  /* FAQ */
  #faq .faq-list{max-width:880px;margin:0 auto;border-top:1px solid var(--line);}
  .faq-item{border-bottom:1px solid var(--line);}
  .faq-item summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:26px;padding:26px 4px;font-family:var(--grotesk);font-weight:400;text-transform:uppercase;letter-spacing:.04em;font-size:16px;line-height:1.4;color:var(--ink);transition:color .2s;}
  .faq-item summary::-webkit-details-marker{display:none;}
  .faq-item summary:hover{color:var(--teal);}
  .faq-item .qmark{flex:0 0 auto;width:16px;height:16px;position:relative;}
  .faq-item .qmark::before,.faq-item .qmark::after{content:"";position:absolute;background:var(--gold);transition:transform .25s ease;}
  .faq-item .qmark::before{top:7px;left:0;width:16px;height:2px;}
  .faq-item .qmark::after{left:7px;top:0;width:2px;height:16px;}
  .faq-item[open] .qmark::after{transform:scaleY(0);}
  .faq-item .ans{padding:0 4px 28px;max-width:780px;}
  .faq-item .ans p{color:var(--ink-soft);font-size:16.5px;line-height:1.75;margin:0;}
  @media(max-width:520px){.faq-item summary{font-size:14px;padding:22px 2px;gap:18px;}}
  /* Credentials strip */
  #credentials{padding:54px 0;background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);}
  #credentials .eyebrow{text-align:center;margin:0 0 24px;}
  .cred-row{display:flex;align-items:center;justify-content:center;gap:48px;flex-wrap:wrap;}
  .cred-logo{height:60px;width:auto;display:block;}
  @media(max-width:520px){.cred-row{gap:28px;}.cred-logo{height:48px;}}
  /* Footer compliance disclosure (LPL) */
  .fine-disclosure{margin-top:24px;padding-top:20px;border-top:1px solid rgba(255,255,255,.12);}
  .fine-disclosure p{font-size:11.5px;line-height:1.65;color:#8593a0;margin:0 0 10px;max-width:none;}
  .fine-disclosure p:last-child{margin-bottom:0;}
  .fine-disclosure a{color:#a9b6c0;text-decoration:underline;}
  .fine-disclosure a:hover{color:var(--gold);}

/* ============================================================
   MULTI-PAGE REVISIONS  (Muse build · Jun 2026)
   Meeting decisions: enlarged headers, standardized CTA w/
   transparent-on-hover, water theme, alignment fixes.
   ============================================================ */

/* 1 — HEADERS
   - Content headlines (.h-sec): back to the original design size.
   - Page-title banners (.h-page): moderate page title, NOT oversized.
   - Site header = the NAV bar text, enlarged for readability (see block 13). */
.h-sec{font-size:clamp(26px,3.2vw,42px);}
.h-page{font-family:var(--grotesk);font-weight:300;text-transform:uppercase;letter-spacing:.10em;line-height:1.14;font-size:clamp(25px,2.7vw,38px);color:#fff;}
.eyebrow{font-size:12.5px;letter-spacing:.28em;}

/* 2 — WATER THEME (surface → structure). Lightweight: CSS gradients +
   one inline SVG caustic sheen. No image payload, no licensing. */
.water-deep{position:relative;background:
   radial-gradient(120% 90% at 18% 0%, rgba(29,138,153,.28) 0%, rgba(10,61,98,0) 55%),
   linear-gradient(180deg, #0A3D62 0%, #0C2A40 48%, #0E2233 100%);}
.water-surface{position:relative;background:
   radial-gradient(120% 80% at 50% -10%, rgba(255,255,255,.55) 0%, rgba(191,227,232,.18) 30%, rgba(247,245,240,0) 62%),
   linear-gradient(180deg, #EAF4F4 0%, #F2F1EC 40%, var(--paper) 100%);}
/* caustic sheen overlay (very subtle, sits behind content) */
.water-deep::before,.water-surface::before{
   content:"";position:absolute;inset:0;pointer-events:none;z-index:0;mix-blend-mode:soft-light;
   background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='600' height='600'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.008 0.018' numOctaves='2' seed='7'/%3E%3CfeColorMatrix type='saturate' values='0'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='0.5'/%3E%3C/svg%3E");
   background-size:680px 680px;}
.water-deep::before{opacity:.30;}
.water-surface::before{opacity:.18;}
.water-deep > .wrap, .water-surface > .wrap{position:relative;z-index:1;}

/* 3 — STANDARDIZED CTA: transparent-on-hover ghost for video/water.
   Resting state is a soft glass fill; hover clears to transparent so
   the hero video / water shows through. */
/* Resting = solid gold (visible CTA). Hover = transparent so the water/video
   shows through. (Corrected: was inverted.) */
.btn-water{background:var(--gold);border:1px solid var(--gold);color:var(--ink);}
.btn-water:hover{background:transparent;border-color:rgba(255,255,255,.9);color:#fff;transform:translateY(-2px);}
@media(prefers-reduced-motion:reduce){.btn-water:hover{transform:none;}}

/* 4 — INTERIOR PAGE BANNER (dark water band beneath the transparent nav) */
.page-head{position:relative;color:#fff;padding:158px 0 70px;overflow:hidden;}
.page-head .eyebrow{color:#bfe3e8;}
.page-head .accent{display:block;color:#dfeef0;margin:22px 0 0;max-width:34ch;}
.page-head .lead{color:#cfe0ea;margin-top:20px;}
.breadcrumb{font-family:var(--grotesk);font-weight:600;font-size:11px;letter-spacing:.18em;
   text-transform:uppercase;color:#7fc6d1;margin:0 0 22px;}
.breadcrumb a{color:#9fb6c4;text-decoration:none;}
.breadcrumb a:hover{color:var(--gold);}
.breadcrumb span{color:#5d7689;margin:0 9px;}
@media(max-width:768px){.page-head{padding:128px 0 54px;}}

/* page intro lead under a banner */
.page-intro{padding-top:96px;}
.page-intro .lead{max-width:66ch;}

/* 5 — APPROACH: equalize the three waterline boxes (Move == Above/Below) */
.waterline .layer{min-height:150px;align-items:center;}
@media(max-width:768px){.waterline .layer{min-height:0;align-items:start;}}

/* 6 — PRICING: align the horizontal rule lines across the four columns.
   Fixed-height header zone so every <ul> border-top lands on one line. */
.tier .desc{min-height:3.0em;}
.tier .amt{min-height:38px;}
.tier .setup{min-height:2.4em;}
@media(max-width:560px){.tier .desc,.tier .setup{min-height:0;}}

/* 7 — SERVICES: pricing link inside the Bookkeeping card */
.card-link{display:inline-block;margin-top:18px;font-family:var(--grotesk);font-weight:600;
   text-transform:uppercase;letter-spacing:.16em;font-size:11px;color:#bfe3e8;text-decoration:none;
   border-bottom:1px solid var(--gold);padding-bottom:4px;transition:color .25s,border-color .25s;}
.card-link:hover{color:var(--gold);}

/* 8 — interior section card on paper pages reuse .grid3 on light bg */
.section-light{background:var(--surface);}

/* 9 — cross-page "next step" nav strip */
.pagenav{border-top:1px solid var(--line);}
.pagenav .wrap{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;padding-top:30px;padding-bottom:30px;}
.pagenav a{font-family:var(--grotesk);font-weight:600;font-size:12px;letter-spacing:.14em;
   text-transform:uppercase;color:var(--deep);text-decoration:none;}
.pagenav a:hover{color:var(--teal);}

/* 10 — LEGAL PAGES (privacy / terms) */
main.legal{padding:46px 0 80px;}
main.legal .col{max-width:830px;}
main.legal h2{font-family:var(--grotesk);font-weight:600;text-transform:uppercase;letter-spacing:.04em;font-size:17px;color:var(--ink);margin:40px 0 12px;}
main.legal p{margin:0 0 16px;color:#3a4a57;}
main.legal ul{margin:0 0 18px;padding-left:22px;}
main.legal li{margin-bottom:9px;color:#3a4a57;}
main.legal a{color:var(--teal);}
main.legal .intro p{font-size:18px;color:var(--ink);}
main.legal .contact-line{margin:2px 0;color:#3a4a57;}
.page-head .eff{margin:18px 0 0;color:#cfe0e6;font-size:14px;}

/* 11 — NAV ANTI-CROWDING + ENLARGED SITE-HEADER TEXT
   Meeting ask: enlarge the header nav items (Approach, Services, Pricing,
   Why Willard, FAQ, Client Access) "to improve readability while fitting
   within the existing design space." */
.nav .wrap{padding-left:34px;padding-right:34px;}
.nav .logo{flex-shrink:0;height:42px;}
.nav .navwrap{gap:18px;}
.nav .menu{gap:20px;}
.nav .menu>li>a{white-space:nowrap;font-size:14px;letter-spacing:.13em;}
.nav .submenu a{font-size:12.5px;letter-spacing:.10em;}
.nav .cta-mini{white-space:nowrap;font-size:13px;letter-spacing:.12em;padding:11px 17px;}
@media(min-width:1281px){.nav .wrap{padding-top:26px;padding-bottom:26px;}}

/* 12 — FOOTER: IRS Enrolled Agent badge as a persistent authority signal
   (moved out of the standalone credentials strip, into the brand column). */
footer .wrap{align-items:flex-start;}
.foot-brand{display:flex;flex-direction:column;gap:20px;}
.foot-ea{height:46px;width:auto;display:block;opacity:.95;}
@media(max-width:600px){.foot-ea{height:40px;}}

/* 14 — REVIEW FIXES (Jun 2026) */
/* Approach waterline tags: uniform width + centered text (ABOVE/BELOW/THE MOVE) */
.waterline .layer .tag{justify-self:stretch;text-align:center;}
/* Pricing note: left-justified and readable on the dark water section */
.pricing-note{text-align:left;}
.water-deep .pricing-note{color:#aab8c2;}
.water-deep .pricing-note strong{color:#fff;}

/* 15 — secondary "use the contact form" link beneath the booking CTA */
.cta-alt{margin-top:20px;}
.cta-alt a{font-family:var(--grotesk);font-weight:600;text-transform:uppercase;letter-spacing:.12em;font-size:11.5px;color:#bfe3e8;text-decoration:none;border-bottom:1px solid rgba(194,160,106,.5);padding-bottom:3px;transition:color .25s;}
.cta-alt a:hover{color:var(--gold);}

/* 16 — SUBMERGED PAGES ============================================
   One continuous "under the surface" gradient as the page background,
   carried from the header through the body to the footer on every page.
   Bands go transparent; type flips light; white cards float on the deep. */
body.submerged{
  min-height:100vh;
  background-color:#0E2233;
  background-image:linear-gradient(180deg,#0A3D62 0%,#0B2A42 28%,#0E2233 64%,#081823 100%);
  background-attachment:fixed;
  color:#e7edf1;
}
/* subtle fixed caustic light sheen */
body.submerged::before{
  content:"";position:fixed;inset:0;z-index:-1;pointer-events:none;mix-blend-mode:soft-light;opacity:.15;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='600' height='600'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.008 0.016' numOctaves='2' seed='5'/%3E%3CfeColorMatrix type='saturate' values='0'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='0.5'/%3E%3C/svg%3E");
  background-size:700px 700px;
}
/* every band transparent so the gradient is unbroken */
body.submerged .page-head,
body.submerged section,
body.submerged .dark,
body.submerged .water-surface,
body.submerged .water-deep,
body.submerged .cta,
body.submerged #start,
body.submerged #services,
body.submerged footer{background:transparent;}
body.submerged .water-surface::before,
body.submerged .water-deep::before{display:none;}
/* light type on the deep field */
body.submerged .h-sec,body.submerged h2,body.submerged .h-page{color:#fff;}
body.submerged .eyebrow{color:#7fc6d1;}
body.submerged .accent,body.submerged .sec-head .accent{color:#bfe3e8;}
body.submerged .lead{color:#aab8c2;}
body.submerged .pricing-note{color:#aab8c2;}
body.submerged .pricing-note strong{color:#fff;}
/* gold buttons keep light text when they clear to transparent on the deep */
body.submerged .btn-gold:hover{background:transparent;color:#fff;border-color:rgba(255,255,255,.85);}
/* retirement */
body.submerged .retire .fee{color:#e7edf1;border-top-color:rgba(255,255,255,.16);}
body.submerged .retire .fee span{color:#bfe3e8;}
/* why / founder */
body.submerged .founder figcaption{color:#fff;}
body.submerged .founder figcaption em{color:#aab8c2;}
body.submerged .founder .bio p{color:#aab8c2;}
/* faq on the deep */
body.submerged #faq .faq-list{border-top-color:rgba(255,255,255,.16);}
body.submerged .faq-item{border-bottom-color:rgba(255,255,255,.12);}
body.submerged .faq-item summary{color:#eef3f6;}
body.submerged .faq-item summary:hover{color:#7fc6d1;}
body.submerged .faq-item .ans p{color:#aab8c2;}
/* footer hairline reads on the deep */
body.submerged footer{border-top:1px solid rgba(255,255,255,.08);}
/* legal pages: light type on the deep */
body.submerged main.legal h2{color:#fff;}
body.submerged main.legal p,body.submerged main.legal li{color:#c3ced6;}
body.submerged main.legal a{color:#7fc6d1;}
body.submerged main.legal .intro p{color:#e7edf1;}
body.submerged main.legal .contact-line{color:#c3ced6;}

/* 17 — GEO ANSWER CAPSULES (LLM Discovery move #3: standalone extractable answer under key headers) */
.capsule{font-family:var(--body);font-weight:400;font-size:16.5px;line-height:1.6;color:#dfeef0;
   max-width:62ch;border-left:2px solid var(--gold);padding-left:16px;margin:20px 0 0;}