/* Anthem Advisors — site styles */
:root{
  --navy:#0d1b2a;
  --navy-2:#13263b;
  --navy-3:#1c3550;
  --ink:#1b232c;
  --muted:#5b6672;
  --line:#e3ded5;
  --paper:#faf8f4;
  --stone:#f1ede6;
  --white:#ffffff;
  --brass:#b08d57;
  --brass-2:#c9a66b;
  --radius:4px;
  --shadow:0 20px 40px -24px rgba(13,27,42,.35);
  --serif:"DM Serif Display",Georgia,"Times New Roman",serif;
  --sans:"Manrope",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --wrap:1200px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--sans);font-size:17px;line-height:1.65;color:var(--ink);background:var(--paper);-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit}
h1,h2,h3,h4{font-family:var(--serif);font-weight:400;line-height:1.12;margin:0 0 .5em;color:var(--navy)}
h1{font-size:clamp(2.6rem,6vw,4.75rem);letter-spacing:-.01em}
h2{font-size:clamp(2rem,3.6vw,3rem)}
h3{font-size:clamp(1.4rem,2vw,1.75rem)}
h4{font-family:var(--sans);font-weight:700;font-size:1.05rem;letter-spacing:.01em}
p{margin:0 0 1.1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:0;background:var(--brass);color:#fff;padding:10px 16px;z-index:100}
.skip:focus{left:16px;top:16px}

/* eyebrow */
.eyebrow{display:inline-flex;align-items:center;gap:12px;font-family:var(--sans);font-size:.78rem;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--brass);margin-bottom:18px}
.eyebrow::before{content:"";width:32px;height:1px;background:currentColor}
.on-dark .eyebrow{color:var(--brass-2)}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:10px;padding:15px 28px;font-family:var(--sans);font-weight:700;font-size:.85rem;letter-spacing:.12em;text-transform:uppercase;text-decoration:none;border:1px solid transparent;border-radius:var(--radius);transition:background .2s,color .2s,border-color .2s,transform .2s;cursor:pointer}
.btn svg{width:16px;height:16px;transition:transform .2s}
.btn:hover svg{transform:translateX(3px)}
.btn-brass{background:var(--brass);color:#fff}
.btn-brass:hover{background:#9a7845}
.btn-ghost{border-color:rgba(255,255,255,.55);color:#fff}
.btn-ghost:hover{background:#fff;color:var(--navy)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-3)}
.btn-row{display:flex;flex-wrap:wrap;gap:14px}

/* header */
.site-header{position:fixed;inset:0 0 auto 0;z-index:50;transition:background .3s,box-shadow .3s,padding .3s;padding:22px 0}
.site-header.solid,.site-header.scrolled{background:var(--navy);box-shadow:0 8px 30px -20px rgba(0,0,0,.6);padding:14px 0}
.nav{display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:#fff}
.brand-logo{height:46px;width:auto;transition:height .3s}
.site-header.scrolled .brand-logo,.site-header.solid .brand-logo{height:40px}
.foot-about .brand-logo{height:52px}
@media (max-width:600px){.brand-logo{height:36px}.site-header.scrolled .brand-logo,.site-header.solid .brand-logo{height:34px}}
.menu{display:flex;align-items:center;gap:34px;list-style:none;margin:0;padding:0}
.menu a{color:#fff;text-decoration:none;font-size:.85rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;padding:6px 0;border-bottom:1px solid transparent;transition:border-color .2s,color .2s}
.menu a:hover,.menu a[aria-current="page"]{border-color:var(--brass-2);color:#fff}
.menu .btn{padding:11px 20px;border-bottom:none;font-size:.78rem}
.menu .btn:hover{color:#fff}
.menu-toggle{display:none;background:none;border:0;color:#fff;padding:8px;cursor:pointer}
.menu-toggle svg{width:28px;height:28px}

/* hero */
.hero{position:relative;min-height:92vh;display:flex;align-items:flex-end;color:#fff;background:var(--navy);overflow:hidden}
.hero.short{min-height:62vh}
.hero-bg{position:absolute;inset:0;background-size:cover;background-position:center;transform:scale(1.04);animation:slowzoom 18s ease-out forwards}
@keyframes slowzoom{to{transform:scale(1)}}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(13,27,42,.55) 0%,rgba(13,27,42,.35) 35%,rgba(13,27,42,.88) 100%)}
.hero .wrap{position:relative;z-index:2;padding-top:160px;padding-bottom:90px;width:100%}
.hero h1{color:#fff;max-width:14ch}
.hero h1 em{font-style:italic;color:var(--brass-2)}
.hero .lead{font-size:clamp(1.05rem,1.6vw,1.3rem);max-width:46ch;color:rgba(255,255,255,.85);margin-bottom:34px}
.hero-meta{display:flex;flex-wrap:wrap;gap:12px 40px;margin-top:56px;padding-top:26px;border-top:1px solid rgba(255,255,255,.2);font-size:.82rem;letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.75)}
.hero-meta span{display:flex;align-items:center;gap:10px}
.hero-meta span::before{content:"";width:6px;height:6px;background:var(--brass-2);transform:rotate(45deg)}

/* sections */
.section{padding:110px 0}
.section.tight{padding:80px 0}
.section.stone{background:var(--stone)}
.section.navy{background:var(--navy);color:rgba(255,255,255,.82)}
.section.navy h2,.section.navy h3,.section.navy h4{color:#fff}
.section-head{max-width:720px;margin-bottom:56px}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}
.section-head.center .eyebrow{justify-content:center}
.section-head p{color:var(--muted);font-size:1.1rem}
.navy .section-head p{color:rgba(255,255,255,.7)}

.split{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}
.split.wide-left{grid-template-columns:1.15fr .85fr}
.split .media{position:relative}
.split .media img{width:100%;aspect-ratio:4/5;object-fit:cover;border-radius:var(--radius);box-shadow:var(--shadow)}
.split .media.landscape img{aspect-ratio:4/3}
.media-frame::before{content:"";position:absolute;inset:24px -24px -24px 24px;border:1px solid var(--brass);border-radius:var(--radius);z-index:-1}
.big-statement{font-family:var(--serif);font-size:clamp(1.7rem,2.8vw,2.4rem);line-height:1.25;color:var(--navy);margin-bottom:28px}
.big-statement strong{font-weight:400;color:var(--brass)}

/* service cards */
.cards-3{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.svc{position:relative;display:flex;flex-direction:column;justify-content:flex-end;min-height:440px;padding:36px;color:#fff;text-decoration:none;border-radius:var(--radius);overflow:hidden;background:var(--navy)}
.svc img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:transform .7s ease}
.svc::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(13,27,42,.1) 20%,rgba(13,27,42,.92) 100%);transition:background .4s}
.svc>*:not(img){position:relative;z-index:2}
.svc:hover img{transform:scale(1.06)}
.svc .num{font-size:.75rem;letter-spacing:.24em;color:var(--brass-2);font-weight:700;margin-bottom:10px}
.svc h3{color:#fff;font-size:2rem;margin-bottom:10px}
.svc p{color:rgba(255,255,255,.8);font-size:.98rem;margin-bottom:18px}
.svc .more{display:inline-flex;align-items:center;gap:8px;font-size:.78rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--brass-2)}
.svc .more svg{width:15px;height:15px;transition:transform .2s}
.svc:hover .more svg{transform:translateX(4px)}

/* property types */
.ptype{background:var(--white);border-radius:var(--radius);overflow:hidden;box-shadow:0 1px 0 var(--line)}
.ptype img{width:100%;aspect-ratio:3/2;object-fit:cover}
.ptype div{padding:26px 28px 30px}
.ptype h3{margin-bottom:6px}
.ptype p{color:var(--muted);font-size:.96rem;margin:0}

/* pillars */
.pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-top:1px solid rgba(255,255,255,.14)}
.pillar{padding:40px 36px 10px 0}
.pillar+.pillar{padding-left:36px;border-left:1px solid rgba(255,255,255,.14)}
.pillar .n{font-family:var(--serif);font-size:3rem;color:var(--brass-2);line-height:1;margin-bottom:18px}
.pillar h4{color:#fff;font-size:1.1rem;margin-bottom:10px}
.pillar p{color:rgba(255,255,255,.7)}
.light .pillars{border-color:var(--line)}
.light .pillar+.pillar{border-color:var(--line)}
.light .pillar .n{color:var(--brass)}
.light .pillar h4{color:var(--navy)}
.light .pillar p{color:var(--muted)}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;counter-reset:step;position:relative}
.steps::before{content:"";position:absolute;top:27px;left:28px;right:28px;height:1px;background:var(--line)}
.step{position:relative}
.step .dot{width:56px;height:56px;border-radius:50%;background:var(--paper);border:1px solid var(--brass);display:grid;place-items:center;font-family:var(--serif);font-size:1.4rem;color:var(--brass);margin-bottom:26px;position:relative}
.stone .step .dot{background:var(--stone)}
.step h4{color:var(--navy);margin-bottom:8px}
.step p{color:var(--muted);font-size:.97rem}

/* checklist */
.checklist{list-style:none;padding:0;margin:0 0 30px;display:grid;gap:2px}
.checklist li{display:flex;gap:16px;align-items:flex-start;padding:14px 0;border-bottom:1px solid var(--line)}
.checklist li::before{content:"";flex:none;width:9px;height:9px;margin-top:9px;background:var(--brass);transform:rotate(45deg)}
.checklist.two{grid-template-columns:1fr 1fr;column-gap:40px}

/* quote */
.quote{display:grid;grid-template-columns:.9fr 1.1fr;background:var(--navy);border-radius:var(--radius);overflow:hidden;color:#fff}
.quote img{width:100%;height:100%;object-fit:cover;min-height:360px}
.quote blockquote{margin:0;padding:64px 60px;display:flex;flex-direction:column;justify-content:center}
.quote .mark{font-family:var(--serif);font-size:5rem;line-height:.6;color:var(--brass-2);margin-bottom:12px}
.quote p{font-family:var(--serif);font-size:clamp(1.25rem,1.9vw,1.6rem);line-height:1.45;color:#fff}
.quote cite{font-style:normal;font-size:.82rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--brass-2)}

/* financing lists */
.fin-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.fin-card{background:var(--white);border-radius:var(--radius);overflow:hidden;border:1px solid var(--line)}
.fin-card img{width:100%;aspect-ratio:16/9;object-fit:cover}
.fin-card .body{padding:34px 36px 20px}
.fin-card .checklist li{padding:11px 0}

/* benefits */
.benefits{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.benefit{background:var(--white);border:1px solid var(--line);border-top:3px solid var(--brass);padding:36px;border-radius:var(--radius)}
.benefit h3{font-size:1.5rem}
.benefit p{color:var(--muted);margin:0}

/* CTA band */
.cta-band{position:relative;background:var(--navy);color:#fff;overflow:hidden}
.cta-band .bg{position:absolute;inset:0;background-size:cover;background-position:center;opacity:.22}
.cta-band .wrap{position:relative;display:flex;align-items:center;justify-content:space-between;gap:40px;padding-top:90px;padding-bottom:90px}
.cta-band h2{color:#fff;max-width:20ch;margin:0}
.cta-band p{color:rgba(255,255,255,.75);margin:14px 0 0}

/* contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.contact-card{background:var(--white);border:1px solid var(--line);padding:40px;border-radius:var(--radius)}
.contact-line{display:flex;gap:18px;align-items:flex-start;padding:20px 0;border-bottom:1px solid var(--line);text-decoration:none}
.contact-line:last-child{border-bottom:0}
.contact-line .ic{flex:none;width:46px;height:46px;border-radius:50%;background:var(--stone);display:grid;place-items:center;color:var(--brass)}
.contact-line .ic svg{width:20px;height:20px}
.contact-line .lbl{display:block;font-size:.74rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--muted)}
.contact-line .val{font-family:var(--serif);font-size:1.4rem;color:var(--navy)}
a.contact-line:hover .val{color:var(--brass)}
.map{border:0;width:100%;height:100%;min-height:420px;border-radius:var(--radius);filter:grayscale(.35)}

/* glossary */
.gloss-tools{display:flex;flex-wrap:wrap;gap:16px;align-items:center;justify-content:space-between;margin-bottom:34px;position:sticky;top:72px;background:var(--paper);padding:16px 0;z-index:5;border-bottom:1px solid var(--line)}
.gloss-search{flex:1 1 280px;max-width:420px;position:relative}
.gloss-search input{width:100%;font:inherit;padding:14px 16px 14px 44px;border:1px solid var(--line);border-radius:var(--radius);background:#fff;color:var(--ink)}
.gloss-search input:focus{outline:2px solid var(--brass);outline-offset:1px}
.gloss-search svg{position:absolute;left:15px;top:50%;width:18px;height:18px;transform:translateY(-50%);color:var(--muted)}
.az{display:flex;flex-wrap:wrap;gap:4px}
.az a{font-size:.8rem;font-weight:700;text-decoration:none;width:30px;height:30px;display:grid;place-items:center;border-radius:var(--radius);color:var(--navy)}
.az a:hover{background:var(--navy);color:#fff}
.az span{width:30px;height:30px;display:grid;place-items:center;font-size:.8rem;color:#c8c2b8}
.terms{display:grid;grid-template-columns:1fr 1fr;gap:0 48px}
.term{padding:24px 0;border-bottom:1px solid var(--line);scroll-margin-top:170px}
.term dt{font-family:var(--serif);font-size:1.3rem;color:var(--navy);margin-bottom:6px}
.term dd{margin:0;color:var(--muted);font-size:.98rem}
.gloss-empty{display:none;color:var(--muted);padding:30px 0}

/* legal / prose */
.prose{max-width:780px}
.prose h2{font-size:2.2rem;margin-top:0}
.prose h3{font-family:var(--sans);font-weight:700;font-size:1.1rem;margin:2em 0 .6em}
.prose ul{padding-left:1.2em}
.prose li{margin-bottom:.4em}
.doc-img{max-width:900px;margin:0 auto;background:#fff;padding:16px;border:1px solid var(--line);box-shadow:var(--shadow)}

/* timeline img */
.timeline-img{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}

/* footer */
.site-footer{background:#08131f;color:rgba(255,255,255,.66);font-size:.92rem;padding:80px 0 34px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:48px;padding-bottom:50px;border-bottom:1px solid rgba(255,255,255,.1)}
.site-footer h5{font-family:var(--sans);font-size:.74rem;letter-spacing:.2em;text-transform:uppercase;color:var(--brass-2);margin:0 0 18px}
.site-footer ul{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.site-footer a{text-decoration:none;color:rgba(255,255,255,.8)}
.site-footer a:hover{color:#fff}
.foot-about p{max-width:34ch;margin-top:20px}
.trec{display:flex;flex-wrap:wrap;gap:10px 28px;padding:28px 0;border-bottom:1px solid rgba(255,255,255,.1)}
.trec a{font-size:.9rem;text-decoration:underline;text-underline-offset:3px;text-decoration-color:rgba(255,255,255,.3)}
.legal{display:flex;flex-wrap:wrap;justify-content:space-between;gap:16px;padding-top:26px;font-size:.8rem;color:rgba(255,255,255,.45)}
.legal p{margin:0;max-width:70ch}

/* reveal */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .8s ease,transform .8s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}.hero-bg{animation:none;transform:none}html{scroll-behavior:auto}}

/* responsive */
@media (max-width:1020px){
  .split,.split.wide-left{grid-template-columns:1fr;gap:50px}
  .cards-3{grid-template-columns:1fr}
  .svc{min-height:340px}
  .steps{grid-template-columns:1fr 1fr;gap:40px}
  .steps::before{display:none}
  .pillars{grid-template-columns:1fr}
  .pillar,.pillar+.pillar{padding:32px 0;border-left:0;border-bottom:1px solid rgba(255,255,255,.14)}
  .light .pillar{border-color:var(--line)}
  .quote{grid-template-columns:1fr}
  .quote img{min-height:260px;max-height:320px}
  .quote blockquote{padding:44px 32px}
  .foot-grid{grid-template-columns:1fr 1fr}
  .cta-band .wrap{flex-direction:column;align-items:flex-start}
  .media-frame::before{display:none}
}
@media (max-width:860px){
  .menu-toggle{display:block}
  .menu{position:fixed;inset:0;background:var(--navy);flex-direction:column;justify-content:center;gap:28px;transform:translateX(100%);transition:transform .35s ease}
  .menu a{font-size:1.2rem}
  .nav.open .menu{transform:none}
  .nav.open .menu-toggle{position:relative;z-index:60}
  .fin-grid,.benefits,.contact-grid,.terms,.checklist.two{grid-template-columns:1fr}
}
@media (max-width:600px){
  body{font-size:16px}
  .wrap{padding:0 16px}
  .section{padding:76px 0}
  .hero{min-height:88vh}
  .hero .wrap{padding-bottom:60px}
  .steps{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr}
  .svc,.contact-card,.benefit{padding:28px}
  .gloss-tools{top:60px}
  .az{display:none}
}