/* Libre Baskerville, self-hosted (SIL Open Font License) */
@font-face { font-family: "Libre Baskerville"; font-style: normal; font-weight: 400; font-display: swap; src: url("fonts/libre-baskerville-latin-400-normal.woff2") format("woff2"); }
@font-face { font-family: "Libre Baskerville"; font-style: italic; font-weight: 400; font-display: swap; src: url("fonts/libre-baskerville-latin-400-italic.woff2") format("woff2"); }
@font-face { font-family: "Libre Baskerville"; font-style: normal; font-weight: 700; font-display: swap; src: url("fonts/libre-baskerville-latin-700-normal.woff2") format("woff2"); }
@font-face { font-family: "Libre Baskerville"; font-style: italic; font-weight: 700; font-display: swap; src: url("fonts/libre-baskerville-latin-700-italic.woff2") format("woff2"); }

/* Site always uses the light palette */
:root { color-scheme: light; }
/* Layout: multi-page practice site. Sticky header, navy page banners, centred section titles, card grids, split sections, CTA band, 4-col footer */
:root {
  --navy: #123868;
  --navy-ink: #0c2748;
  --sage: #123868;
  --sage-soft: #e6ebf2;
  --paper: #ffffff;
  --mist: #f2f5f9;
  --line: #dbe2ec;
  --ink: #1b2533;
  --muted: #5a6779;
  --card: #ffffff;
  --on-navy: #eef2f8;
  --on-navy-muted: #a9b8cf;
  --hero-accent: #c3cfdf;
  --placeholder-bg: #fff4d6;
  --placeholder-fg: #6b4e00;
  --f-display: "Libre Baskerville", Baskerville, Georgia, "Times New Roman", serif;
  --f-body: "Figtree", system-ui, -apple-system, "Segoe UI", sans-serif;
  --f-mono: "IBM Plex Mono", ui-monospace, Menlo, monospace;
}



* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body { margin: 0; background: var(--paper); color: var(--ink); font-family: var(--f-body); font-size: 17px; line-height: 1.6; }
img { max-width: 100%; }
[hidden] { display: none !important; }
.wrap { max-width: 1140px; margin-inline: auto; padding-inline: 20px; }
h1, h2, h3 { font-family: var(--f-display); font-weight: 400; line-height: 1.2; letter-spacing: -.01em; text-wrap: balance; margin: 0; }
p { margin: 0; }
a { color: inherit; }
a:focus-visible, button:focus-visible { outline: 2px solid var(--sage); outline-offset: 3px; border-radius: 3px; }
.eyebrow { font-family: var(--f-display); font-size: 14px; letter-spacing: .14em; text-transform: uppercase; color: var(--sage); }
.ph { background: var(--placeholder-bg); color: var(--placeholder-fg); padding: 0 .3em; border-radius: 3px; }
.btn {
  display: inline-block; font: 700 13.5px var(--f-body); letter-spacing: .08em; text-transform: uppercase;
  text-decoration: none; padding: 14px 24px; border-radius: 3px; border: 1.5px solid transparent; cursor: pointer;
}
.btn-sage { background: var(--sage); color: #fff; }
.btn-sage:hover { filter: brightness(1.08); }
.btn-outline { border-color: var(--sage); color: var(--sage); background: transparent; }
.btn-outline:hover { background: var(--sage); color: #fff; }
.btn-light { background: var(--on-navy); color: var(--navy-ink); }
.btn-ghost { border-color: rgba(238,242,248,.5); color: var(--on-navy); }
.btn-ghost:hover { border-color: var(--on-navy); }

/* Header */
/* Header stays white in both light and dark mode */
.site-head {
  --paper: #ffffff; --ink: #1b2533; --line: #dbe2ec; --sage: #123868; color-scheme: light;
  position: sticky; top: env(safe-area-inset-top, 0px); z-index: 10; background: var(--paper); color: var(--ink); border-bottom: 1px solid var(--line);
}
.head-row { position: relative; display: flex; align-items: center; justify-content: space-between; gap: 20px; padding-block: 14px; }
.brand { display: flex; align-items: center; text-decoration: none; line-height: 0; }
.logo { height: 56px; width: auto; }
.logo-foot { height: 56px; width: auto; max-width: 100%; }
@media (max-width: 520px) { .logo { height: 40px; } }
.brand-mark {
  font-family: var(--f-display); font-size: 24px; font-weight: 500; color: var(--on-navy); background: var(--navy);
  width: 46px; height: 46px; display: grid; place-items: center; letter-spacing: .02em;
}
.brand-text { display: grid; line-height: 1.15; }
.brand-text b { font-family: var(--f-display); font-weight: 500; font-size: 20px; color: var(--ink); }
.brand-text span { font-size: 11.5px; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); }
.menu { display: flex; align-items: center; gap: 28px; }
.menu ul { list-style: none; display: flex; gap: 26px; margin: 0; padding: 0; font-size: 15px; font-weight: 500; }
.menu ul a { text-decoration: none; color: var(--ink); padding-block: 6px; border-bottom: 2px solid transparent; }
.menu ul a:hover { color: var(--sage); }
.menu ul a[aria-current="page"] { color: var(--sage); border-bottom-color: var(--sage); }
.menu-toggle { display: none; background: none; border: 1px solid var(--line); color: var(--ink); padding: 8px 12px; border-radius: 3px; font: 600 14px var(--f-body); cursor: pointer; }
@media (max-width: 900px) {
  .menu-toggle { display: inline-block; }
  .menu { display: none; position: absolute; left: -20px; right: -20px; top: 100%; background: var(--paper); border-bottom: 1px solid var(--line); flex-direction: column; align-items: stretch; gap: 0; padding: 8px 20px 20px; }
  .menu.open { display: flex; }
  .menu ul { flex-direction: column; gap: 0; }
  .menu ul a { display: block; padding: 12px 0; border-bottom: 1px solid var(--line); }
  .menu ul a[aria-current="page"] { border-bottom-color: var(--line); }
  .menu .btn { margin-top: 16px; text-align: center; }
}

/* Home hero */
.hero {
  position: relative; overflow: hidden; color: var(--on-navy);
  background:
    radial-gradient(1200px 500px at 85% 120%, rgba(140,165,200,.55), transparent 60%),
    linear-gradient(160deg, #1a4478 0%, #123868 45%, #0c2748 100%);
}
.hero-tree { position: absolute; right: -6%; bottom: -12%; width: min(620px, 70vw); max-width: none; opacity: .07; pointer-events: none; }
.banner { position: relative; overflow: hidden; }
.banner-tree { position: absolute; right: -40px; bottom: -70px; width: 360px; max-width: none; opacity: .07; pointer-events: none; }
.banner .wrap { position: relative; }
.hero-inner { position: relative; padding-block: 120px 128px; text-align: center; display: grid; justify-items: center; gap: 22px; }
.hero h1 { font-size: clamp(34px, 5.4vw, 58px); max-width: 21ch; }
.hero h1 em { color: var(--hero-accent); }
.hero p { color: var(--on-navy-muted); font-size: 19px; max-width: 36em; }
.hero .eyebrow { color: var(--hero-accent); }
.cta-row { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 8px; }
.hero .cta-row { justify-content: center; }
@media (max-width: 600px) { .hero-inner { padding-block: 80px 88px; } }

/* Inner page banner */
.banner {
  color: var(--on-navy);
  background:
    radial-gradient(900px 360px at 90% 140%, rgba(140,165,200,.5), transparent 60%),
    linear-gradient(160deg, #1a4478 0%, #123868 55%, #0c2748 100%);
}
.banner .wrap { padding-block: 72px 76px; display: grid; gap: 14px; }
.crumbs { font-size: 13.5px; color: var(--on-navy-muted); }
.crumbs a { color: var(--on-navy-muted); text-decoration: none; }
.crumbs a:hover { color: var(--on-navy); }
.banner h1 { font-size: clamp(28px, 3.6vw, 40px); }
.banner p.lede { color: var(--on-navy-muted); font-size: 18.5px; max-width: 40em; }

/* Generic sections */
.section { padding-block: 96px; }
.section.tint { background: var(--mist); }
@media (max-width: 760px) { .section { padding-block: 68px; } }
.sec-title { text-align: center; display: grid; justify-items: center; gap: 12px; margin-bottom: 48px; }
.sec-title h2 { font-size: clamp(28px, 3.6vw, 40px); }
.sec-title p { color: var(--muted); max-width: 40em; }
.rule { width: 56px; height: 3px; background: var(--sage); }

.intro { text-align: center; }
.intro .wrap { display: grid; justify-items: center; gap: 18px; }
.intro h2 { font-size: clamp(30px, 4vw, 44px); }
.intro p { color: var(--muted); max-width: 44em; font-size: 18px; }

/* Cards */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.card {
  background: var(--card); border: 1px solid var(--line); border-radius: 4px; padding: 30px 28px 28px;
  display: grid; gap: 12px; align-content: start; transition: border-color .2s, transform .2s;
}
a.card { text-decoration: none; color: inherit; }
a.card:hover { border-color: var(--sage); transform: translateY(-2px); }
@media (prefers-reduced-motion: reduce) { .card, a.card:hover { transition: none; transform: none; } }
.icon { width: 52px; height: 52px; border-radius: 50%; background: var(--sage-soft); color: var(--sage); display: grid; place-items: center; flex: none; }
.icon svg { width: 26px; height: 26px; }
.card h3 { font-size: 23px; }
.card p { color: var(--muted); font-size: 15.5px; }
.card .more { font-size: 14px; font-weight: 600; color: var(--sage); margin-top: 4px; }
@media (max-width: 900px) { .cards { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 580px) { .cards { grid-template-columns: 1fr; } }

/* Split */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.split > * { min-width: 0; }
.split.top { align-items: start; }
@media (max-width: 860px) { .split { grid-template-columns: 1fr; gap: 40px; } }
.copy-col { display: grid; gap: 18px; }
.copy-col h2 { font-size: clamp(28px, 3.6vw, 40px); }
.copy-col p { color: var(--muted); }
.copy-col strong { color: var(--ink); font-weight: 600; }
.promise { list-style: none; padding: 0; margin: 4px 0 0; display: grid; gap: 10px; }
.promise li { display: flex; gap: 12px; align-items: baseline; }
.promise li::before { content: "✓"; color: var(--sage); font-weight: 700; }

.steps-card { background: var(--card); border: 1px solid var(--line); border-radius: 4px; padding: 32px; }
.steps-card .eyebrow { margin-bottom: 14px; }
.step { display: grid; grid-template-columns: 44px 1fr; gap: 16px; padding-block: 16px; border-top: 1px solid var(--line); }
.step:first-of-type { border-top: 0; padding-top: 4px; }
.step-n { font-family: var(--f-display); font-size: 30px; color: var(--sage); line-height: 1; }
.step h3 { font-size: 20px; }
.step p { color: var(--muted); font-size: 15px; margin-top: 4px; }

/* About */
.profile { display: grid; grid-template-columns: 300px 1fr; gap: 64px; align-items: start; }
.profile > * { min-width: 0; }
.portrait {
  aspect-ratio: 4 / 5; max-width: 100%; background: var(--mist); border: 1px solid var(--line); border-radius: 4px;
  display: grid; place-items: center; text-align: center; padding: 20px; color: var(--muted); font-size: 14px;
}
.profile h2 { font-size: clamp(30px, 3.8vw, 42px); margin-top: 10px; }
.creds { font-family: var(--f-mono); font-size: 13px; color: var(--muted); margin-top: 8px; }
.profile .body { display: grid; gap: 16px; margin-top: 22px; max-width: 40em; }
.facts { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: var(--line); border: 1px solid var(--line); margin-top: 32px; }
.facts div { background: var(--paper); padding: 16px 18px; display: grid; gap: 4px; }
.facts .lbl { font-family: var(--f-mono); font-size: 11.5px; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }
.facts .v { font-weight: 600; }
@media (max-width: 760px) { .profile { grid-template-columns: 1fr; gap: 28px; } .portrait { max-width: 240px; } .facts { grid-template-columns: 1fr; } }

.licence { background: var(--card); border: 1px solid var(--line); border-left: 4px solid var(--sage); border-radius: 4px; padding: 28px 30px; display: grid; gap: 12px; }
.licence h3 { font-size: 22px; }
.licence p { color: var(--muted); font-size: 15.5px; }
.num { font-family: var(--f-mono); font-size: .9em; }

/* Services page */
.svc-list { display: grid; gap: 0; }
.svc { display: grid; grid-template-columns: 64px 1fr 1fr; gap: 32px; padding-block: 44px; border-top: 1px solid var(--line); scroll-margin-top: 90px; }
.svc:first-child { border-top: 0; padding-top: 0; }
.svc > * { min-width: 0; }
.svc h2 { font-size: clamp(26px, 3vw, 34px); }
.svc .desc { display: grid; gap: 12px; }
.svc .desc p { color: var(--muted); }
.svc ul { margin: 0; padding: 0; list-style: none; display: grid; gap: 10px; align-content: start; }
.svc li { display: flex; gap: 12px; align-items: baseline; font-size: 15.5px; }
.svc li::before { content: ""; flex: none; width: 7px; height: 7px; border-radius: 50%; background: var(--sage); transform: translateY(-2px); }
.svc .list-head { font-family: var(--f-mono); font-size: 11.5px; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); margin-bottom: 4px; }
@media (max-width: 860px) { .svc { grid-template-columns: 1fr; gap: 18px; } }

.jump { display: flex; flex-wrap: wrap; gap: 10px; }
.jump a { font-size: 14px; text-decoration: none; padding: 7px 14px; border: 1px solid rgba(238,242,248,.35); border-radius: 3px; color: var(--on-navy); }
.jump a:hover { border-color: var(--on-navy); background: rgba(255,255,255,.08); }

/* Contact page */
.contact-cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.contact-cards .card { gap: 10px; }
.contact-cards .lbl { font-family: var(--f-mono); font-size: 11.5px; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }
.contact-cards .val { font-size: 20px; overflow-wrap: anywhere; text-decoration: none; }
@media (max-width: 1000px) { .contact-cards { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .contact-cards { grid-template-columns: 1fr; } }
.copy { justify-self: start; font: 500 13px var(--f-body); background: none; color: var(--muted); border: 1px solid var(--line); padding: 5px 10px; border-radius: 2px; cursor: pointer; }
.copy:hover { color: var(--ink); border-color: var(--ink); }
.checklist { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; }
.checklist li { display: flex; gap: 12px; align-items: baseline; }
.checklist li::before { content: "☐"; color: var(--sage); }

/* CTA band */
.cta-band { background: var(--navy); color: var(--on-navy); }
.cta-band .wrap { padding-block: 72px; display: flex; align-items: center; justify-content: space-between; gap: 32px; flex-wrap: wrap; }
.cta-band .wrap > div { min-width: 0; flex: 1 1 380px; }
.cta-band h2 { font-size: clamp(21px, 2.7vw, 30px); }
.cta-band p { color: var(--on-navy-muted); margin-top: 12px; max-width: 34em; }
.cta-band .eyebrow { color: var(--hero-accent); margin-bottom: 10px; }

/* Footer */
footer { background: var(--navy-ink); color: var(--on-navy-muted); font-size: 14px; }
.foot-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr; gap: 40px; padding-block: 64px 40px; }
.foot-grid > * { min-width: 0; }
footer h4 { margin: 0 0 14px; font: 600 12px var(--f-mono); letter-spacing: .12em; text-transform: uppercase; color: var(--on-navy); }
footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
footer a { color: var(--on-navy-muted); text-decoration: none; }
footer a:hover { color: var(--on-navy); }
.foot-brand p { margin-top: 16px; max-width: 30em; }
.legal { border-top: 1px solid rgba(238,242,248,.14); padding-block: 28px 40px; display: grid; gap: 16px; font-size: 13px; }
.legal p { max-width: 90ch; }
.legal strong { color: var(--on-navy); font-weight: 600; }
@media (max-width: 900px) { .foot-grid { grid-template-columns: 1fr 1fr; } .foot-brand { grid-column: 1 / -1; } }
@media (max-width: 520px) { .foot-grid { grid-template-columns: 1fr; } }

/* Enquiry form */
.form-aside { font-size: 15px; border-left: 3px solid var(--sage); padding-left: 14px; }
.enquiry { background: var(--card); border: 1px solid var(--line); border-radius: 4px; padding: 32px; display: grid; gap: 18px; min-width: 0; }
.field { display: grid; gap: 6px; min-width: 0; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
@media (max-width: 560px) { .field-row { grid-template-columns: 1fr; } .enquiry { padding: 24px 20px; } }
.field label { font-size: 14px; font-weight: 600; color: var(--ink); }
.field label span { color: var(--sage); }
.enquiry input, .enquiry select, .enquiry textarea {
  width: 100%; font: 400 16px var(--f-body); color: var(--ink); background: var(--paper);
  border: 1px solid #b9c4d3; border-radius: 3px; padding: 12px 14px; appearance: none;
}
.enquiry textarea { resize: vertical; min-height: 130px; }
.enquiry input:focus, .enquiry select:focus, .enquiry textarea:focus { outline: none; border-color: var(--sage); box-shadow: 0 0 0 3px var(--sage-soft); }
.enquiry [aria-invalid="true"] { border-color: #b4483c; }
.select-wrap { position: relative; }
.select-wrap::after { content: ""; position: absolute; right: 16px; top: 50%; width: 8px; height: 8px; border-right: 2px solid var(--muted); border-bottom: 2px solid var(--muted); transform: translateY(-70%) rotate(45deg); pointer-events: none; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.captcha-slot { border: 1px dashed var(--line); border-radius: 3px; padding: 14px; font-size: 13.5px; color: var(--muted); text-align: center; }
.btn-block { width: 100%; padding-block: 16px; }
.form-error { color: #b4483c; font-size: 14.5px; font-weight: 500; }
.form-fine { font-size: 13px; color: var(--muted); }
.form-fine a { color: var(--sage); }
.form-done { background: var(--sage-soft); border-radius: 3px; padding: 16px 18px; display: grid; gap: 4px; }
.form-done h3 { font-size: 18px; }
.form-done p { font-size: 14.5px; color: var(--ink); }



/* "Why WL Financial Advisers" with harbour photo backdrop */
.intro-photo {
  position: relative; isolation: isolate;
  background: url("sydney-harbour.jpg") center 62% / cover no-repeat;
  padding-block: 120px;
}
.intro-photo::before {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background: radial-gradient(ellipse 48% 52% at 50% 46%, rgba(255,255,255,.78), rgba(255,255,255,.45) 60%, rgba(255,255,255,0) 100%);
}
.intro-photo .eyebrow { color: #3d5675; }
.intro-photo h2 { color: #123868; }
.intro-photo p { color: #2a3646; }
.intro-photo .btn-outline { border-color: #123868; color: #123868; }
.intro-photo .btn-outline:hover { background: #123868; color: #fff; }
@media (max-width: 760px) { .intro-photo { padding-block: 80px; } }

/* Contact details listed under the form intro */
.contact-list { list-style: none; margin: 0; padding: 0; display: grid; border-top: 1px solid var(--line); }
.contact-list li { display: grid; grid-template-columns: 44px 1fr auto; gap: 16px; align-items: center; padding-block: 16px; border-bottom: 1px solid var(--line); }
.contact-list li > div { display: grid; gap: 2px; min-width: 0; }
.contact-list .icon { width: 44px; height: 44px; }
.contact-list .icon svg { width: 22px; height: 22px; }
.contact-list .lbl { font-family: var(--f-mono); font-size: 11.5px; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }
.contact-list .val { font-size: 17px; color: var(--ink); text-decoration: none; overflow-wrap: anywhere; line-height: 1.45; }
.contact-list a.val:hover { color: var(--sage); }

.copy-col p.contact-lede { color: var(--ink); font-size: clamp(21px, 2.2vw, 24px); line-height: 1.45; }

#message.section { padding-top: 32px; }

/* Legal link bar at the very bottom of every page */
.legal-bar { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 12px 32px; border-top: 1px solid rgba(238,242,248,.14); padding-top: 22px; margin-top: 8px; }
.legal-links { display: flex; flex-wrap: wrap; gap: 8px 26px; }
.legal-links a { color: var(--on-navy); font-size: 14px; text-decoration: none; }
.legal-links a:hover { color: var(--hero-accent); text-decoration: underline; text-underline-offset: 3px; }



/* About page intro text in the banner */
.about-intro { display: grid; gap: 14px; max-width: 46em; margin-top: 6px; }
.about-intro p { color: var(--on-navy); font-size: 18px; line-height: 1.7; }


/* Important Information page */
.legal-page { padding-top: 56px; }
.legal-doc { max-width: 46em; display: grid; gap: 0; }
.legal-doc section { padding-block: 26px; border-top: 1px solid var(--line); display: grid; gap: 12px; }
.legal-doc section:first-child { border-top: 0; padding-top: 0; }
.legal-doc h2 { font-size: clamp(22px, 2.4vw, 27px); color: var(--ink); }
.legal-doc p { color: var(--muted); line-height: 1.75; }
.legal-doc a { color: var(--sage); text-underline-offset: 3px; }

/* Option B: navy-only buttons */
.btn-sage:hover { filter: none; background: #1d4b85; }
.hero .btn-sage { background: #ffffff; color: #123868; }
.hero .btn-sage:hover { background: #e6ebf2; }

/* Photo banner (Contact page) */
.banner.banner-contact {
  background:
    linear-gradient(90deg, rgba(12,39,72,.88) 0%, rgba(12,39,72,.7) 45%, rgba(12,39,72,.35) 100%),
    url("contact-banner.jpg") center 58% / cover no-repeat;
}
.banner.banner-photo .wrap { padding-block: 110px 116px; }
.banner.banner-photo .banner-tree { display: none; }

/* Photo banner (Services page) */
.banner.banner-services {
  background:
    linear-gradient(90deg, rgba(12,39,72,.9) 0%, rgba(12,39,72,.72) 50%, rgba(12,39,72,.4) 100%),
    url("services-banner.jpg") right 30% / cover no-repeat;
}

/* Call-to-action band: full-width photo in natural colour, navy fading in behind the text */
.cta-band {
  background:
    linear-gradient(90deg, #123868 0%, rgba(18,56,104,.92) 22%, rgba(18,56,104,.55) 38%, rgba(18,56,104,0) 55%),
    url("cta-banner-ext.jpg") right 55% / cover no-repeat,
    #123868;
}
.cta-band .wrap { min-height: 0; padding-block: 110px; box-sizing: border-box; flex-direction: column; align-items: flex-start; justify-content: center; gap: 26px; }
.cta-band .wrap > div { flex: none; }
.cta-band h2 { max-width: 12em; text-shadow: 0 1px 18px rgba(8,24,48,.35); }
@media (max-width: 900px) {
  /* Phones/tablets: navy panel with the text on top, full-colour photo underneath */
  .cta-band {
    background:
      linear-gradient(180deg, #123868 0, #123868 calc(100% - 62vw), rgba(18,56,104,0) calc(100% - 62vw + 70px)),
      url("cta-banner.jpg") center bottom / 100% auto no-repeat,
      #123868;
  }
  .cta-band .wrap { min-height: 0; padding-top: 64px; padding-bottom: calc(62vw + 24px); }
}

/* About page headshot */
.portrait-photo { width: 100%; max-width: 100%; height: auto; aspect-ratio: 3 / 4; object-fit: cover; object-position: 50% 25%; border-radius: 4px; display: block; }
@media (max-width: 760px) { .portrait-photo { max-width: 240px; } }

/* Second (and further) adviser profiles on the About page */
.profile-next { margin-top: 72px; padding-top: 72px; border-top: 1px solid var(--line); }
@media (max-width: 760px) { .profile-next { margin-top: 48px; padding-top: 48px; } }
.profile-next .portrait { aspect-ratio: 3 / 4; }

/* About banner: shorter, text runs wider */
.banner:has(.about-intro) .wrap { padding-block: 48px 52px; gap: 10px; }
.about-intro { max-width: 68em; gap: 10px; margin-top: 2px; }
.about-intro p { line-height: 1.6; }

/* Retire the monospace font: small labels now use Libre Baskerville */
.svc .list-head, .facts .lbl, .contact-cards .lbl, .contact-list .lbl { font-family: var(--f-display); font-size: 12.5px; letter-spacing: .12em; }
footer h4 { font: 400 13px var(--f-display); letter-spacing: .12em; text-transform: uppercase; }
.creds { font-family: var(--f-display); font-size: 14px; letter-spacing: .02em; }
.num { font-family: inherit; font-size: inherit; }

/* About: advisers side by side */
.team { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: start; }
.member { min-width: 0; display: grid; gap: 26px; align-content: start; }
.member .portrait-photo, .member .portrait { width: 100%; max-width: 340px; aspect-ratio: 4 / 5; }
.member h2 { font-size: clamp(28px, 3vw, 36px); margin-top: 10px; }
.member .body { display: grid; gap: 14px; margin-top: 18px; }
@media (max-width: 860px) { .team { grid-template-columns: 1fr; gap: 64px; } .member .portrait-photo, .member .portrait { max-width: 260px; } }

/* Home service cards: fit "Investments & Share Trading" on one line */
.cards .card { padding: 30px 22px 28px; }
.cards .card h3 { font-size: 20px; }

/* Consistency: every eyebrow label in brand navy */
.sec-title .eyebrow, .copy-col .eyebrow, .split .eyebrow { color: var(--sage); }

/* Footer: single divider above the legal bar (was doubled) */
.legal-bar { border-top: 0; padding-top: 0; margin-top: 0; }

/* Body text in Libre Baskerville (previously Figtree; backup: styles-figtree-body-backup.css) */
:root { --f-body: "Libre Baskerville", Baskerville, Georgia, serif; }
body { font-size: 16px; line-height: 1.75; }
.btn { letter-spacing: .06em; }

/* Services: line up "Questions we help answer" with the first paragraph */
.svc .desc-body { display: grid; gap: 12px; }
@media (min-width: 861px) {
  .svc { grid-template-rows: auto 1fr; row-gap: 12px; }
  .svc > .icon { grid-row: 1 / 3; }
  .svc .desc { grid-row: 1 / 3; grid-column: 2; display: grid; grid-template-rows: subgrid; row-gap: 12px; }
  .svc .qs { grid-row: 2; grid-column: 3; margin-top: 3px; }
  .svc .list-head { line-height: 1.75; }
}

/* Services: keep "Investments & Share Trading" heading on one line on desktop */
.svc h2 { font-size: clamp(26px, 2.5vw, 32px); }

/* Adviser AR number sits tight under qualifications */
.creds.ar-num { margin-top: 2px; }
.creds.quals { margin-top: 6px; line-height: 1.7; }

/* About "How it works": compact so the section isn't so tall */
.steps-card { padding: 24px 26px; }
.steps-card .eyebrow { margin-bottom: 8px; }
.step { grid-template-columns: 30px 1fr; gap: 12px; padding-block: 11px; }
.step-n { font-size: 22px; }
.step h3 { font-size: 17px; }
.step p { font-size: 13.5px; line-height: 1.55; margin-top: 2px; }
@media (min-width: 861px) { .split:has(.steps-card) { grid-template-columns: 1fr 1.3fr; gap: 56px; } }
/* tighter still: match height of the left column */
.steps-card { padding: 20px 24px; }
.steps-card .eyebrow { margin-bottom: 4px; }
.step { grid-template-columns: 26px 1fr; gap: 10px; padding-block: 8px; }
.step-n { font-size: 19px; }
.step h3 { font-size: 15.5px; }
.step p { font-size: 12.5px; line-height: 1.5; margin-top: 1px; }
@media (min-width: 861px) { .split:has(.steps-card) { grid-template-columns: 1fr 1.45fr; gap: 48px; } }

/* Adviser profile PDF links */
.profile-link { display: inline-flex; align-items: center; gap: 8px; margin-top: 14px; font-size: 14px; color: var(--sage); text-decoration: none; border-bottom: 1px solid rgba(18,56,104,.3); padding-bottom: 2px; }
.profile-link svg { width: 16px; height: 16px; flex: none; }
.profile-link:hover { border-bottom-color: var(--sage); }
.member > div > .profile-link { display: inline-flex; }
.doc-links { margin: 4px 0 0; padding-left: 20px; display: grid; gap: 6px; }
.doc-links a { color: var(--sage); text-underline-offset: 3px; }

/* Qualifications listed beside the adviser's name */
.name-row { display: flex; align-items: center; gap: 18px; margin-top: 10px; flex-wrap: wrap; }
.name-row h2 { margin-top: 0; }
.name-quals { margin: 0; padding-left: 18px; border-left: 1px solid var(--line); font-family: var(--f-display); font-size: 12px; line-height: 1.55; color: var(--muted); letter-spacing: .01em; }
.member .name-row + .creds { margin-top: 10px; }
/* keep both profiles' name rows the same height so AR numbers and bios line up */
.name-row { min-height: 4.2em; }
.name-row { font-size: 14px; }
.name-quals { font-size: 12px; }
/* rebalance after new "Our approach" copy */
@media (min-width: 861px) { .split:has(.steps-card) { grid-template-columns: 1.15fr 1fr; gap: 56px; } }
.step p { font-size: 13px; }
/* rebalance again after shortening the ticked points */
@media (min-width: 861px) { .split:has(.steps-card) { grid-template-columns: 1fr 1.45fr; gap: 48px; } }
.step p { font-size: 12.5px; }

/* Services: "Questions we help answer" sits beside the heading; list starts level with first paragraph */
@media (min-width: 861px) {
  .svc .qs { grid-row: 1 / 3; grid-column: 3; display: grid; grid-template-rows: subgrid; row-gap: 12px; margin-top: 0; }
  .svc .qs .list-head { align-self: end; margin: 0 0 2px; }
  .svc .qs ul { margin-top: 0; }
}