/* NA Financial — "The Ledger"
   Concept: bookkeeping is the act of turning chaos into a reconciled column.
   The page borrows the artifacts of the trade: ruled hairlines, tabular
   figures set in mono, and a balanced right-hand column. */

:root{
  --ink:#101F38;          /* deep navy, the ink in the ledger */
  --ink-soft:#3A4A63;
  --paper:#FBFAF8;        /* paper white, warm but not cream */
  --paper-2:#F2F0EB;
  --ledger:#0E5C46;       /* cloth ledger-cover green */
  --ledger-2:#0A4534;
  --brass:#B8873B;        /* the clasp on the ledger */
  --rule:#DCDFE4;
  --rule-soft:#EAECEF;
  --white:#fff;

  --sans:"IBM Plex Sans",system-ui,-apple-system,Segoe UI,sans-serif;
  --mono:"IBM Plex Mono",ui-monospace,SFMono-Regular,Menlo,monospace;
  --display:"Archivo",var(--sans);

  --wrap:1180px;
  --pad:clamp(1.25rem,4vw,2.5rem);
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important}
}
body{
  margin:0;background:var(--paper);color:var(--ink);
  font-family:var(--sans);font-size:1rem;line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
h1,h2,h3,h4{font-family:var(--display);font-weight:700;line-height:1.08;letter-spacing:-.02em;margin:0}
h1{font-size:clamp(2.4rem,6vw,4.2rem);font-weight:900;letter-spacing:-.035em}
h2{font-size:clamp(1.9rem,3.6vw,2.9rem);font-weight:800;letter-spacing:-.028em}
h3{font-size:clamp(1.15rem,1.8vw,1.4rem);font-weight:700}
p{margin:0 0 1.1rem}
.wrap{max-width:var(--wrap);margin-inline:auto;padding-inline:var(--pad)}

/* the eyebrow is a ledger line reference, set in mono like a column header */
.eyebrow{
  font-family:var(--mono);font-size:.7rem;font-weight:600;
  letter-spacing:.18em;text-transform:uppercase;color:var(--ledger);
  display:flex;align-items:center;gap:.75rem;margin-bottom:1.1rem;
}
.eyebrow::before{content:"";width:1.6rem;height:2px;background:var(--brass);flex:none}
.eyebrow.on-ink{color:#8FD9BE}
.eyebrow.on-ink::before{background:var(--brass)}

.lede{font-size:clamp(1.05rem,1.5vw,1.2rem);color:var(--ink-soft);max-width:60ch}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;gap:.6rem;
  font-family:var(--mono);font-size:.78rem;font-weight:600;letter-spacing:.08em;
  text-transform:uppercase;text-decoration:none;
  padding:.95rem 1.6rem;border:1.5px solid var(--ink);border-radius:2px;
  background:var(--ink);color:var(--paper);
  transition:transform .18s ease,background .18s ease,color .18s ease,box-shadow .18s ease;
}
.btn:hover{background:var(--ledger);border-color:var(--ledger);transform:translateY(-2px);box-shadow:0 8px 20px rgba(14,92,70,.22)}
.btn--ghost{background:transparent;color:var(--ink)}
.btn--ghost:hover{background:var(--ink);color:var(--paper);border-color:var(--ink)}
.btn--brass{background:var(--brass);border-color:var(--brass);color:#251803}
.btn--brass:hover{background:#a5762f;border-color:#a5762f;color:#fff}
.btn--onink{background:var(--paper);border-color:var(--paper);color:var(--ink)}
.btn--onink:hover{background:var(--brass);border-color:var(--brass);color:#251803}

:where(a,button,input,select,textarea):focus-visible{
  outline:2.5px solid var(--brass);outline-offset:3px;
}

/* ---------- header ---------- */
.site-head{
  position:sticky;top:0;z-index:60;background:rgba(251,250,248,.92);
  backdrop-filter:blur(10px);border-bottom:1px solid var(--rule);
}
.head-in{display:flex;align-items:center;justify-content:space-between;gap:1rem;height:74px;min-width:0}
.brand{min-width:0}
.brand{display:flex;align-items:baseline;gap:.55rem;text-decoration:none;font-family:var(--display);font-weight:900;font-size:1.28rem;letter-spacing:-.03em}
.brand i{font-style:normal;color:var(--ledger)}
.brand small{white-space:nowrap;font-family:var(--mono);font-size:.6rem;font-weight:500;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-soft)}
.nav{display:flex;align-items:center;gap:.35rem}
.nav a{
  font-size:.9rem;text-decoration:none;padding:.55rem .8rem;border-radius:2px;
  color:var(--ink-soft);transition:color .16s,background .16s;
}
.nav a:hover{color:var(--ink);background:var(--paper-2)}
.nav a[aria-current="page"]{color:var(--ink);font-weight:600;box-shadow:inset 0 -2px 0 var(--brass)}
.head-cta{display:flex;align-items:center;gap:1rem}
.head-tel{font-family:var(--mono);font-size:.82rem;font-weight:600;text-decoration:none;white-space:nowrap}
.head-tel:hover{color:var(--ledger)}
.burger{display:none;background:none;border:1px solid var(--rule);border-radius:2px;padding:.5rem .6rem;cursor:pointer}
.burger span{display:block;width:19px;height:2px;background:var(--ink);margin:3.5px 0}
@media(max-width:900px){
  .nav,.head-tel{display:none}
  .burger{display:block}
  .head-cta .btn{display:none}      /* the burger carries the nav on small screens */
  .nav.open{
    display:flex;flex-direction:column;align-items:stretch;position:absolute;
    top:74px;left:0;right:0;background:var(--paper);border-bottom:1px solid var(--rule);
    padding:.6rem var(--pad) 1.1rem;gap:0;
  }
  .nav.open a{padding:.85rem .2rem;border-bottom:1px solid var(--rule-soft)}
}

/* ---------- hero ---------- */
.hero{padding:clamp(3rem,7vw,5.5rem) 0 clamp(3rem,6vw,4.5rem);position:relative;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(2rem,5vw,4rem);align-items:center}
@media(max-width:960px){.hero-grid{grid-template-columns:1fr}}
.hero h1 span{color:var(--ledger)}
.hero .lede{margin-top:1.4rem}
.hero-actions{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:2rem}
.hero-trust{display:flex;flex-wrap:wrap;gap:1.6rem;margin-top:2.4rem;padding-top:1.6rem;border-top:1px solid var(--rule)}
.hero-trust div{font-family:var(--mono);font-size:.74rem;letter-spacing:.06em;color:var(--ink-soft);text-transform:uppercase}
.hero-trust b{display:block;font-family:var(--display);font-size:1.5rem;color:var(--ink);letter-spacing:-.02em;margin-bottom:.15rem}

/* ---------- the signature: a reconciliation panel ---------- */
.ledger{
  background:var(--white);border:1px solid var(--rule);border-radius:3px;
  box-shadow:0 24px 60px -30px rgba(16,31,56,.35);overflow:hidden;
}
.ledger-head{
  display:flex;align-items:center;justify-content:space-between;
  background:var(--ink);color:var(--paper);padding:.85rem 1.1rem;
  font-family:var(--mono);font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;
}
.ledger-head .dot{width:7px;height:7px;border-radius:50%;background:var(--brass);display:inline-block;margin-right:.5rem}
.ledger-body{padding:.35rem 0}
.lrow{
  display:grid;grid-template-columns:1fr auto;gap:1rem;align-items:baseline;
  padding:.62rem 1.1rem;border-bottom:1px solid var(--rule-soft);
  opacity:0;transform:translateY(7px);
  animation:lrow-in .5s cubic-bezier(.2,.8,.3,1) forwards;
}
.lrow:nth-child(1){animation-delay:.25s}
.lrow:nth-child(2){animation-delay:.42s}
.lrow:nth-child(3){animation-delay:.59s}
.lrow:nth-child(4){animation-delay:.76s}
.lrow:nth-child(5){animation-delay:.93s}
.lrow:nth-child(6){animation-delay:1.1s}
@keyframes lrow-in{to{opacity:1;transform:none}}
.lrow .desc{font-size:.88rem;color:var(--ink-soft)}
.lrow .amt{font-family:var(--mono);font-size:.88rem;font-variant-numeric:tabular-nums;color:var(--ink)}
.lrow .amt.neg{color:#9A3B2F}
.ledger-total{
  display:grid;grid-template-columns:1fr auto;gap:1rem;align-items:center;
  padding:1rem 1.1rem;background:var(--paper-2);border-top:2px solid var(--ink);
}
.ledger-total .label{font-family:var(--mono);font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-soft)}
.ledger-total .val{font-family:var(--mono);font-weight:600;font-size:1.05rem;font-variant-numeric:tabular-nums}
.stamp{
  display:flex;align-items:center;gap:.55rem;margin:0;padding:.8rem 1.1rem;
  background:var(--ledger);color:#EAF7F1;
  font-family:var(--mono);font-size:.74rem;letter-spacing:.12em;text-transform:uppercase;
  opacity:0;animation:lrow-in .6s cubic-bezier(.2,.8,.3,1) 1.35s forwards;
}
.stamp svg{flex:none}

/* ---------- sections ---------- */
.section{padding:clamp(3.5rem,7vw,6rem) 0}
.section--paper2{background:var(--paper-2)}
.section--ink{background:var(--ink);color:var(--paper)}
.section--ink h2,.section--ink h3{color:var(--paper)}
.section--ink p{color:#BFC8D6}
.section--ledger{background:var(--ledger);color:#EAF7F1}
.section--ledger h2{color:#fff}
.section--ledger p{color:#B9DCCF}
.section-head{max-width:64ch;margin-bottom:clamp(2rem,4vw,3rem)}
.section-head p{margin-top:1rem;color:var(--ink-soft)}
.section--ink .section-head p{color:#BFC8D6}

/* ---------- ruled list: the core structural device ---------- */
.ruled{border-top:1px solid var(--rule)}
.ruled > *{border-bottom:1px solid var(--rule)}
.ruled-item{display:grid;grid-template-columns:4.5rem 1fr auto;gap:clamp(1rem,3vw,2.5rem);padding:1.6rem 0;align-items:start}
@media(max-width:760px){.ruled-item{grid-template-columns:3rem 1fr;gap:1rem}.ruled-item .go{grid-column:2}}
.ruled-item .idx{font-family:var(--mono);font-size:.75rem;color:var(--brass);letter-spacing:.08em;padding-top:.3rem}
.ruled-item h3{margin-bottom:.5rem}
.ruled-item p{margin:0;color:var(--ink-soft);max-width:62ch}
.ruled-item .go{font-family:var(--mono);font-size:.74rem;letter-spacing:.08em;text-transform:uppercase;color:var(--ledger);text-decoration:none;white-space:nowrap;padding-top:.35rem}
.ruled-item .go:hover{text-decoration:underline}
.section--ink .ruled{border-color:rgba(255,255,255,.16)}
.section--ink .ruled > *{border-color:rgba(255,255,255,.16)}
.section--ink .ruled-item p{color:#BFC8D6}

/* ---------- cards ---------- */
.cards{display:grid;gap:1.25rem}
.cards--3{grid-template-columns:repeat(3,1fr)}
.cards--2{grid-template-columns:repeat(2,1fr)}
.cards--4{grid-template-columns:repeat(4,1fr)}
@media(max-width:960px){.cards--3,.cards--4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:680px){.cards--3,.cards--2,.cards--4{grid-template-columns:1fr}}
.card{
  background:var(--white);border:1px solid var(--rule);border-radius:3px;padding:1.7rem;
  transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease;
}
.card:hover{transform:translateY(-3px);border-color:var(--ledger);box-shadow:0 14px 34px -18px rgba(16,31,56,.4)}
.card h3{margin-bottom:.6rem}
.card p{color:var(--ink-soft);margin:0;font-size:.95rem}
.card .num{font-family:var(--mono);font-size:.72rem;color:var(--brass);letter-spacing:.1em;display:block;margin-bottom:.9rem}
.card--flat:hover{transform:none;box-shadow:none;border-color:var(--rule)}

/* media card */
.mcard{background:var(--white);border:1px solid var(--rule);border-radius:3px;overflow:hidden;display:flex;flex-direction:column}
.mcard img{aspect-ratio:16/10;object-fit:cover;width:100%}
.mcard .body{padding:1.5rem;flex:1;display:flex;flex-direction:column}
.mcard h3{margin-bottom:.55rem}
.mcard p{color:var(--ink-soft);font-size:.94rem;flex:1}

/* ---------- split ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(2rem,5vw,4rem);align-items:center}
.split--wide{grid-template-columns:1.1fr .9fr}
@media(max-width:900px){.split,.split--wide{grid-template-columns:1fr}}
.split img{border-radius:3px;border:1px solid var(--rule)}
.figure-note{font-family:var(--mono);font-size:.7rem;letter-spacing:.06em;color:var(--ink-soft);margin-top:.7rem;text-transform:uppercase}

/* ---------- credential strip ---------- */
.creds{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--rule);border:1px solid var(--rule)}
@media(max-width:820px){.creds{grid-template-columns:repeat(2,1fr)}}
.cred{background:var(--paper);padding:1.5rem 1.3rem;text-align:left}
.cred .k{font-family:var(--mono);font-size:.68rem;letter-spacing:.12em;text-transform:uppercase;color:var(--brass);display:block;margin-bottom:.55rem}
.cred .v{font-family:var(--display);font-weight:700;font-size:1.02rem;line-height:1.25;letter-spacing:-.01em}
.cred small{display:block;margin-top:.35rem;font-size:.82rem;color:var(--ink-soft)}

/* ---------- stat band ---------- */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:clamp(1rem,3vw,2rem)}
@media(max-width:760px){.stats{grid-template-columns:repeat(2,1fr)}}
.stat b{display:block;font-family:var(--display);font-weight:900;font-size:clamp(2rem,4vw,2.9rem);letter-spacing:-.03em;color:#fff}
.stat span{font-family:var(--mono);font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:#B9DCCF}

/* ---------- FAQ ---------- */
.faq{border-top:1px solid var(--rule)}
.faq details{border-bottom:1px solid var(--rule)}
.faq summary{
  cursor:pointer;list-style:none;padding:1.35rem 2.5rem 1.35rem 0;position:relative;
  font-family:var(--display);font-weight:700;font-size:1.05rem;letter-spacing:-.015em;
}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{
  content:"";position:absolute;right:.4rem;top:1.65rem;width:11px;height:11px;
  border-right:2px solid var(--ledger);border-bottom:2px solid var(--ledger);
  transform:rotate(45deg);transition:transform .22s ease;
}
.faq details[open] summary::after{transform:rotate(-135deg)}
.faq .ans{padding:0 2.5rem 1.5rem 0;color:var(--ink-soft);max-width:70ch}
.faq .ans p:last-child{margin-bottom:0}

/* ---------- testimonial ---------- */
.quote{border-left:3px solid var(--brass);padding-left:1.6rem}
.quote blockquote{margin:0;font-family:var(--display);font-weight:700;font-size:clamp(1.15rem,2vw,1.5rem);line-height:1.35;letter-spacing:-.02em}
.quote figcaption{margin-top:1rem;font-family:var(--mono);font-size:.75rem;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-soft)}

/* ---------- CTA band ---------- */
.cta-band{background:var(--ink);color:var(--paper);padding:clamp(3rem,6vw,4.5rem) 0}
.cta-band h2{color:#fff;max-width:20ch}
.cta-band p{color:#BFC8D6;max-width:52ch;margin-top:1rem}
.cta-inner{display:grid;grid-template-columns:1.2fr auto;gap:2.5rem;align-items:center}
@media(max-width:820px){.cta-inner{grid-template-columns:1fr}}
.cta-actions{display:flex;flex-wrap:wrap;gap:.8rem}

/* ---------- form ---------- */
.form{display:grid;gap:1.05rem}
.field label{display:block;font-family:var(--mono);font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-soft);margin-bottom:.45rem}
.field input,.field select,.field textarea{
  width:100%;font-family:var(--sans);font-size:.97rem;color:var(--ink);
  padding:.8rem .9rem;background:var(--white);border:1px solid var(--rule);border-radius:2px;
  transition:border-color .16s,box-shadow .16s;
}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--ledger);box-shadow:0 0 0 3px rgba(14,92,70,.12);
}
.field textarea{min-height:118px;resize:vertical}
.form-note{font-family:var(--mono);font-size:.7rem;color:var(--ink-soft);letter-spacing:.04em}
.two-up{display:grid;grid-template-columns:1fr 1fr;gap:1.05rem}
@media(max-width:600px){.two-up{grid-template-columns:1fr}}

/* ---------- footer ---------- */
.site-foot{background:var(--ink);color:#AEB9C9;padding:clamp(3rem,5vw,4rem) 0 2rem;font-size:.92rem}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:2.2rem}
@media(max-width:900px){.foot-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.foot-grid{grid-template-columns:1fr}}
.site-foot h4{font-family:var(--mono);font-size:.7rem;letter-spacing:.14em;text-transform:uppercase;color:var(--brass);margin-bottom:1rem;font-weight:600}
.site-foot a{color:#AEB9C9;text-decoration:none;display:inline-block;padding:.28rem 0}
.site-foot a:hover{color:#fff}
.site-foot ul{list-style:none;margin:0;padding:0}
.foot-brand{font-family:var(--display);font-weight:900;font-size:1.3rem;color:#fff;letter-spacing:-.03em;margin-bottom:.7rem}
.foot-bottom{
  margin-top:2.5rem;padding-top:1.4rem;border-top:1px solid rgba(255,255,255,.13);
  display:flex;flex-wrap:wrap;gap:1rem;justify-content:space-between;
  font-family:var(--mono);font-size:.72rem;letter-spacing:.04em;color:#8896A9;
}

/* reveal on scroll, resting state is visible so nothing can hide content */
.reveal{animation:reveal-in .7s cubic-bezier(.16,1,.3,1) both}
@keyframes reveal-in{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:none}}

.skip{position:absolute;left:-9999px}
.skip:focus{left:.5rem;top:.5rem;z-index:200;background:var(--ink);color:#fff;padding:.7rem 1rem;border-radius:2px}

@media(max-width:430px){
  .brand{font-size:1.12rem}
  .brand small{display:none}
}

/* a hero with no image constrains its text, not the centred wrapper,
   so the left edge stays flush with every other section */
.hero-solo h1{max-width:20ch}
.hero-solo .lede{max-width:54ch}