/* Fiduciary Ally · fiduciary-ally.com · Brand Guide v1.0 */
:root{
  --navy:#14243D; --navy-deep:#0E1A2D; --gold:#B08D3E; --gilt:#D4B36A;
  --ivory:#F7F3EC; --char:#2B2B2B; --line:#E4DCC9; --muted:#6E6A5F;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:"Source Serif 4",Georgia,serif;color:var(--char);background:var(--ivory);font-size:18px;line-height:1.65}
img{max-width:100%;display:block}
a{color:var(--navy)}
.wrap{max-width:1100px;margin:0 auto;padding:0 24px}
.eyebrow{font-family:Inter,sans-serif;font-weight:600;font-size:12px;letter-spacing:.24em;text-transform:uppercase;color:var(--gold)}
.on-navy .eyebrow{color:var(--gilt)}
h1,h2,h3{font-family:"Playfair Display",Georgia,serif;color:var(--navy);line-height:1.15}
h1{font-weight:800;font-size:clamp(34px,5vw,54px);margin:14px 0 18px}
h2{font-weight:700;font-size:clamp(26px,3.4vw,36px);margin:12px 0 14px}
h3{font-weight:700;font-size:21px;margin:0 0 8px}
.on-navy h1,.on-navy h2,.on-navy h3{color:var(--ivory)}
.lead{font-size:20px;color:var(--navy)}
.on-navy .lead,.on-navy p{color:var(--ivory)}
.goldrule{border:none;border-top:3px solid var(--gold);width:52px;margin:6px 0 20px}

/* header */
header{background:var(--ivory);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 24px;max-width:1180px;margin:0 auto}
.nav .logo img{height:40px}
.nav ul{display:flex;align-items:center;gap:26px;list-style:none}
.nav a{font-family:Inter,sans-serif;font-weight:600;font-size:13px;letter-spacing:.12em;text-transform:uppercase;text-decoration:none;color:var(--navy)}
.nav a:hover{color:var(--gold)}
.nav .btn{padding:10px 18px}
@media(max-width:820px){.nav ul{gap:14px}.nav a{font-size:11px;letter-spacing:.08em}.nav li.hide-m{display:none}}

/* buttons */
.btn{display:inline-block;font-family:Inter,sans-serif;font-weight:600;font-size:13px;letter-spacing:.14em;text-transform:uppercase;text-decoration:none;padding:15px 28px;border:1.5px solid var(--gold);cursor:pointer;transition:.18s}
.btn-gold{background:var(--gold);color:#fff}
.btn-gold:hover{background:#9A7B34;border-color:#9A7B34}
.btn-ghost{background:transparent;color:var(--navy)}
.on-navy .btn-ghost{color:var(--ivory);border-color:var(--gilt)}
.btn-ghost:hover{background:var(--gold);color:#fff}
.btn-navy{background:var(--navy);color:var(--ivory);border-color:var(--navy)}
.btn-navy:hover{background:var(--navy-deep)}

/* sections */
section{padding:84px 0}
.on-navy{background:var(--navy)}
.on-white{background:#fff}
.hero{padding:96px 0}
.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:56px;align-items:center}
@media(max-width:860px){.hero-grid{grid-template-columns:1fr}}
.cta-row{display:flex;gap:16px;flex-wrap:wrap;margin-top:30px}
.subnote{font-family:Inter,sans-serif;font-size:12.5px;letter-spacing:.06em;color:#8B96A8;margin-top:18px}

/* cards */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:22px;margin-top:36px}
.card{background:#fff;border:1px solid var(--line);padding:34px 30px;display:flex;flex-direction:column}
.card .num{font-family:Inter,sans-serif;font-weight:600;font-size:11px;letter-spacing:.22em;color:var(--gold);margin-bottom:14px;text-transform:uppercase}
.card p{font-size:16.5px;margin:8px 0 18px;flex:1}
.card a.cardlink{font-family:Inter,sans-serif;font-weight:600;font-size:13px;letter-spacing:.14em;text-transform:uppercase;text-decoration:none;color:var(--gold)}
.card a.cardlink:hover{color:var(--navy)}

/* compare */
.compare{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:34px}
@media(max-width:760px){.compare{grid-template-columns:1fr}}
.compare .col{padding:34px 30px}
.compare .old{background:#fff;border:1px solid var(--line)}
.compare .new{background:var(--navy)}
.compare h3{font-size:19px}
.compare .new h3{color:var(--gilt)}
.compare ul{list-style:none;margin-top:14px}
.compare li{font-size:16.5px;padding:9px 0;border-top:1px solid var(--line)}
.compare .new li{color:var(--ivory);border-top:1px solid rgba(247,243,236,.18)}

/* forms */
.formbox{background:#fff;border:1px solid var(--line);padding:38px}
.on-navy .formbox{background:var(--ivory);border:none}
label{font-family:Inter,sans-serif;font-weight:600;font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--navy);display:block;margin:16px 0 6px}
input,select{width:100%;padding:13px 14px;border:1px solid #CFC7B4;background:#fff;font-family:Inter,sans-serif;font-size:15px;color:var(--char)}
input:focus,select:focus{outline:2px solid var(--gold);border-color:var(--gold)}
.formgrid{display:grid;grid-template-columns:1fr 1fr;gap:0 18px}
@media(max-width:640px){.formgrid{grid-template-columns:1fr}}
.form-note{font-family:Inter,sans-serif;font-size:12.5px;color:var(--muted);margin-top:14px;letter-spacing:.02em}
.success{display:none;background:var(--ivory);border-left:3px solid var(--gold);padding:18px 20px;margin-top:18px;font-size:16px}

/* stats strip */
.stats{display:flex;flex-wrap:wrap;gap:0;border:1px solid var(--line);background:#fff;margin-top:40px}
.stats>div{flex:1 1 150px;padding:24px 18px;border-right:1px solid var(--line);text-align:center}
.stats>div:last-child{border-right:none}
.stats .v{font-family:"Playfair Display",serif;font-weight:800;font-size:30px;color:var(--navy)}
.stats .l{font-family:Inter,sans-serif;font-weight:600;font-size:10.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);margin-top:4px}

/* gap cards */
.gaps{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:18px;margin-top:34px}
.gap{background:#fff;border:1px solid var(--line);padding:24px}
.gap .g-name{font-family:Inter,sans-serif;font-weight:600;font-size:13px;letter-spacing:.06em;color:var(--navy)}
.gap .g-val{font-family:"Playfair Display",serif;font-weight:800;font-size:28px;color:var(--navy);margin:6px 0 2px}
.gap .g-vs{font-family:Inter,sans-serif;font-size:12.5px;color:var(--muted)}
.gap .g-flag{font-family:Inter,sans-serif;font-weight:600;font-size:12px;margin-top:10px;padding-top:10px;border-top:1px solid var(--line)}
.gap .bad{color:#9C3A2E}
.gap .good{color:#5E8272}

/* footer */
footer{background:var(--navy);color:var(--ivory);padding:64px 0 34px}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:44px}
@media(max-width:760px){.foot-grid{grid-template-columns:1fr}}
footer img.flogo{height:36px;margin-bottom:18px}
footer p{font-size:15.5px;color:#C9CDD6}
footer h4{font-family:Inter,sans-serif;font-weight:600;font-size:12px;letter-spacing:.2em;text-transform:uppercase;color:var(--gilt);margin-bottom:14px}
footer ul{list-style:none}
footer li{margin-bottom:9px}
footer a{color:var(--ivory);text-decoration:none;font-size:15.5px}
footer a:hover{color:var(--gilt)}
.foot-bottom{border-top:1px solid rgba(247,243,236,.15);margin-top:44px;padding-top:22px;font-family:Inter,sans-serif;font-size:12px;color:#8B96A8;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}