/* ============================================================
   JK Financial Group design tokens
   Palette carried over from the existing brand: deep burgundy + gold
   ============================================================ */
:root{
  --ink:            #12060B;
  --burgundy-950:   #1C0710;
  --burgundy-900:   #290A16;
  --burgundy-850:   #33101E;
  --burgundy-800:   #401326;
  --burgundy-700:   #571A31;

  --gold:           #D4A857;
  --gold-bright:    #E8C98A;
  --gold-deep:      #B98C3E;

  --cream:          #F7F0E8;
  --cream-dim:      rgba(247, 240, 232, .74);
  --cream-faint:    rgba(247, 240, 232, .52);

  --line:           rgba(212, 168, 87, .22);
  --line-soft:      rgba(247, 240, 232, .10);
  --surface:        rgba(247, 240, 232, .035);
  --surface-2:      rgba(247, 240, 232, .06);

  --font-display: 'Playfair Display', 'Georgia', serif;
  --font-body: 'General Sans', 'Inter', system-ui, -apple-system, sans-serif;

  --text-hero: clamp(2.35rem, 5.4vw, 4.25rem);
  --text-2xl:  clamp(1.9rem, 3.6vw, 2.85rem);
  --text-xl:   clamp(1.5rem, 2.4vw, 2rem);
  --text-lg:   1.125rem;
  --text-base: 1rem;
  --text-sm:   .9375rem;
  --text-xs:   .8125rem;

  --shell: 1200px;
  --radius: 3px;
  --radius-lg: 4px;
  --pad-sec: clamp(4.5rem, 9vw, 8.5rem);
  --ease: cubic-bezier(.16,1,.3,1);
}

*,*::before,*::after{ box-sizing:border-box; }

html{ scroll-behavior:smooth; scroll-padding-top:86px; -webkit-text-size-adjust:100%; }

body{
  margin:0;
  background:var(--burgundy-950);
  color:var(--cream);
  font-family:var(--font-body);
  font-size:var(--text-base);
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}

img,svg{ display:block; max-width:100%; }
[hidden]{ display:none !important; }
a{ color:inherit; }

h1,h2,h3,h4{ margin:0; font-weight:400; line-height:1.14; letter-spacing:-.005em; }
h1,h2{ font-family:var(--font-display); }
h1{ line-height:1.1; }
h1{ font-size:var(--text-hero); }
h2{ font-size:var(--text-2xl); }
h3{ font-family:var(--font-body); font-size:var(--text-lg); font-weight:600; line-height:1.3; letter-spacing:-.01em; }
p{ margin:0; }
em{ font-style:italic; color:var(--gold-bright); }

.shell{ width:100%; max-width:var(--shell); margin-inline:auto; padding-inline:clamp(1.25rem, 4vw, 2.5rem); }
.shell.narrow{ max-width:820px; }

.skip{
  position:absolute; left:-9999px; top:0; z-index:200;
  background:var(--gold); color:var(--burgundy-950);
  padding:.7rem 1.1rem; border-radius:0 0 8px 0; font-size:var(--text-sm); font-weight:600;
}
.skip:focus{ left:0; }

:focus-visible{ outline:2px solid var(--gold-bright); outline-offset:3px; border-radius:4px; }

/* ---------- eyebrow / section head ---------- */
.eyebrow{
  font-size:var(--text-xs);
  letter-spacing:.16em;
  text-transform:uppercase;
  color:var(--gold);
  font-weight:600;
  margin-bottom:1.1rem;
}
.sec-head{ max-width:780px; margin-bottom:clamp(2.75rem, 5vw, 4.25rem); }
.sec-head h2{ max-width:26ch; text-wrap:balance; }
.sec-head-min{ margin-bottom:clamp(1.6rem,2.6vw,2.4rem); }
.sec-sub{ margin-top:1.15rem; color:var(--cream-dim); font-size:var(--text-lg); line-height:1.6; }

/* ---------- buttons ---------- */
.btn{
  display:inline-flex; align-items:center; justify-content:center;
  gap:.5rem;
  font-family:var(--font-body);
  font-size:var(--text-sm); font-weight:600; letter-spacing:.005em;
  padding:.95rem 1.9rem;
  border-radius:2px;
  text-decoration:none;
  border:1px solid transparent;
  cursor:pointer;
  transition:transform .25s var(--ease), background-color .25s var(--ease), color .25s var(--ease), border-color .25s var(--ease), box-shadow .25s var(--ease);
  white-space:nowrap;
}
.btn-gold{
  background:var(--gold);
  color:#24070F;
}
.btn-gold:hover{ background:var(--gold-bright); }
.btn-ghost{ border-color:rgba(212,168,87,.45); color:var(--cream); background:transparent; }
.btn-ghost:hover{ border-color:var(--gold); color:var(--gold-bright); background:rgba(212,168,87,.08); }
.btn-sm{ padding:.72rem 1.35rem; font-size:var(--text-xs); }
.btn-lg{ padding:1.05rem 2.35rem; font-size:var(--text-base); }
.btn-block{ width:100%; }

/* ---------- header ---------- */
.site-header{
  position:sticky; top:0; z-index:100;
  background:rgba(24,7,14,.72);
  backdrop-filter:blur(14px);
  -webkit-backdrop-filter:blur(14px);
  border-bottom:1px solid transparent;
  transition:border-color .3s var(--ease), background-color .3s var(--ease);
}
.site-header.scrolled{ border-bottom-color:var(--line); background:rgba(24,7,14,.92); }
.header-inner{ display:flex; align-items:center; gap:2rem; height:76px; }

.brand{ display:inline-flex; align-items:center; gap:.7rem; text-decoration:none; color:var(--gold); flex:0 0 auto; }
.brand-mark{ width:34px; height:34px; flex:0 0 auto; }
.brand-text{ display:flex; flex-direction:column; justify-content:center; line-height:1; }
.brand-name{ font-family:var(--font-body); font-weight:600; font-size:1.02rem; letter-spacing:.2em; color:var(--gold-bright); }
.brand-sub{ font-size:.74rem; letter-spacing:.26em; text-transform:uppercase; color:var(--gold-bright); font-weight:600; }

.nav{ display:flex; gap:2rem; margin-inline:auto; }
.nav a{
  font-size:var(--text-sm); color:var(--cream-dim); text-decoration:none;
  position:relative; padding-block:.35rem; transition:color .22s var(--ease);
}
.nav a::after{
  content:''; position:absolute; left:0; bottom:0; height:1px; width:0;
  background:var(--gold); transition:width .3s var(--ease);
}
.nav a:hover{ color:var(--cream); }
.nav a:hover::after{ width:100%; }

.menu-toggle{
  display:none; flex-direction:column; gap:5px; justify-content:center;
  width:42px; height:42px; background:transparent; border:1px solid var(--line);
  border-radius:2px; cursor:pointer; padding:0 10px;
}
.menu-toggle span{ display:block; height:1.5px; background:var(--gold-bright); border-radius:2px; transition:transform .3s var(--ease), opacity .3s var(--ease); }
.menu-toggle[aria-expanded="true"] span:first-child{ transform:translateY(3.25px) rotate(45deg); }
.menu-toggle[aria-expanded="true"] span:last-child{ transform:translateY(-3.25px) rotate(-45deg); }

.mobile-nav[hidden]{ display:none; }
.mobile-nav{
  display:flex; flex-direction:column; gap:.35rem;
  padding:1rem clamp(1.25rem,4vw,2.5rem) 1.6rem;
  border-top:1px solid var(--line);
  background:rgba(24,7,14,.98);
}
.mobile-nav a{ text-decoration:none; color:var(--cream-dim); font-size:var(--text-base); padding:.7rem 0; }
.mobile-nav .btn{ margin-top:.75rem; color:#2B0A15; }

/* ---------- hero ---------- */
.hero{ position:relative; padding-top:clamp(4.5rem, 9vw, 8rem); padding-bottom:clamp(3rem, 5vw, 4.5rem); overflow:hidden; }
.hero-bg{ position:absolute; inset:0; z-index:0; pointer-events:none; }
.hero-bg::before{
  content:''; position:absolute; inset:0;
  background:var(--burgundy-900);
}
.hero-bg .lines{ position:absolute; inset:0; width:100%; height:100%; opacity:.6; }
.hero-inner{ position:relative; z-index:1; text-align:center; max-width:940px; }
.hero-inner .eyebrow{ letter-spacing:.2em; }
.hero-inner h1{ margin-bottom:1.5rem; }
.lede{
  max-width:640px; margin:0 auto; color:var(--cream-dim);
  font-size:clamp(1.05rem, 1.6vw, 1.2rem); line-height:1.6;
}
.hero-cta{ display:flex; flex-wrap:wrap; gap:.85rem; justify-content:center; margin-top:2.4rem; }
.hero-note{ margin-top:1.15rem; font-size:var(--text-xs); color:var(--cream-faint); }

.ledger{
  position:relative; z-index:1;
  margin:clamp(3.5rem, 7vw, 6rem) 0 0;
  padding:0;
  display:grid; grid-template-columns:repeat(4, 1fr);
  gap:clamp(1.6rem, 3vw, 2.75rem);
}
.ledger-item{
  border-top:1px solid var(--line);
  padding-top:clamp(1rem, 1.6vw, 1.35rem);
}
.ledger-v{
  margin:0 0 .55rem;
  font-family:var(--font-display);
  font-size:clamp(1.7rem, 2.6vw, 2.3rem);
  line-height:1; color:var(--gold-bright);
  letter-spacing:-.01em; white-space:nowrap;
}
.ledger-v .plus{ font-size:.6em; vertical-align:.18em; margin-left:.05em; color:var(--gold); }
.ledger-v-word{ font-style:italic; font-size:clamp(1.5rem, 2.2vw, 2rem); }
.ledger-l{
  margin:0; max-width:24ch;
  font-size:.7rem; letter-spacing:.14em; text-transform:uppercase;
  line-height:1.65; color:var(--cream-faint); font-weight:500;
}

/* ---------- sections ---------- */
.section{ padding-block:var(--pad-sec); position:relative; }
.section-alt{ background:var(--burgundy-900); border-block:1px solid var(--line-soft); }

/* ---------- steps ---------- */
.steps{ list-style:none; margin:0; padding:0; display:grid; grid-template-columns:repeat(4,1fr); gap:1px; background:var(--line-soft); border:1px solid var(--line-soft); border-radius:var(--radius-lg); overflow:hidden; }
.step{ background:var(--burgundy-950); padding:clamp(1.75rem,2.6vw,2.4rem); transition:background-color .3s var(--ease); }
.step:hover{ background:var(--burgundy-900); }
.step-n{
  display:inline-block; font-family:var(--font-body); font-size:var(--text-xs);
  font-weight:600; letter-spacing:.18em; color:var(--gold); margin-bottom:1.5rem;
  padding-bottom:.5rem; border-bottom:1px solid rgba(212,168,87,.4);
}
.step h3{ margin-bottom:.7rem; }
.step p{ color:var(--cream-dim); font-size:var(--text-sm); line-height:1.65; }

/* ---------- services grid ---------- */
.svc-grid{
  display:grid;
  grid-template-columns:repeat(3, 1fr);
  gap:clamp(1rem, 1.6vw, 1.4rem);
}
.svc-card{
  position:relative;
  padding:clamp(1.7rem, 2.4vw, 2.3rem);
  background:var(--surface);
  border:1px solid var(--line-soft);
  border-radius:var(--radius-lg);
  overflow:hidden;
  transition:background-color .4s var(--ease), border-color .4s var(--ease), transform .4s var(--ease);
}
.svc-card::before{
  content:"";
  position:absolute; top:0; left:0; height:2px; width:0;
  background:var(--gold);
  transition:width .5s var(--ease);
}
.svc-card:hover{
  background:var(--surface-2);
  border-color:var(--line);
  transform:translateY(-3px);
}
.svc-card:hover::before{ width:100%; }
.svc-ico{
  display:block;
  width:42px; height:42px;
  color:var(--gold);
  opacity:.9;
  margin-bottom:1.45rem;
  transition:color .4s var(--ease), opacity .4s var(--ease);
}
.svc-card:hover .svc-ico{ color:var(--gold-bright); opacity:1; }
.svc-ico svg{ width:100%; height:100%; display:block; }
.svc-card h3{
  font-size:1.22rem;
  margin-bottom:.65rem;
  line-height:1.25;
}
.svc-card p{
  color:var(--cream-dim);
  font-size:var(--text-sm);
  line-height:1.7;
  margin:0;
}
.svc-feature{
  grid-column:1 / -1;
  display:grid;
  grid-template-columns:auto 1fr;
  gap:clamp(1.2rem, 2.2vw, 2rem);
  align-items:start;
  background:rgba(212,168,87,.055);
  border-color:rgba(212,168,87,.30);
}
.svc-feature .svc-ico{ margin-bottom:0; opacity:.75; }
.svc-feature-head{
  display:flex; align-items:center; flex-wrap:wrap;
  gap:.75rem 1rem; margin-bottom:.65rem;
}
.svc-feature-head h3{ margin:0; }
.svc-feature p{ max-width:78ch; }
.svc-tag{
  display:inline-block;
  font-size:.62rem; letter-spacing:.16em; text-transform:uppercase; font-weight:600;
  color:var(--gold); border:1px solid rgba(212,168,87,.45);
  padding:.34rem .6rem; line-height:1; white-space:nowrap;
}

/* ---------- quote band ---------- */
.quote-band{
  padding-block:clamp(3.5rem,6vw,6rem);
  background:var(--burgundy-800);
  border-block:1px solid var(--line);
}
.quote-band blockquote{ margin:0; max-width:900px; text-align:center; margin-inline:auto; }
.quote-band p{
  font-family:var(--font-display); font-size:clamp(1.35rem,2.6vw,1.95rem);
  line-height:1.4; letter-spacing:-.005em; color:var(--cream);
}
.quote-band cite{
  display:block; margin-top:1.5rem; font-style:normal;
  font-size:var(--text-xs); letter-spacing:.16em; text-transform:uppercase; color:var(--gold);
}

/* ---------- team ---------- */
.team{ display:grid; grid-template-columns:repeat(3,1fr); gap:1.25rem; }
.member{
  border:1px solid var(--line-soft); border-radius:var(--radius-lg);
  padding:clamp(1.6rem,2.4vw,2.1rem); background:var(--surface);
  transition:border-color .35s var(--ease), transform .35s var(--ease);
}
.member:hover{ border-color:var(--line); transform:translateY(-4px); }
.avatar{
  width:min(74%, 250px); margin-inline:auto; aspect-ratio:5 / 7; border-radius:2px;
  display:grid; place-items:center;
  font-family:var(--font-display); font-size:clamp(2.4rem,4vw,3.2rem); letter-spacing:.04em;
  color:var(--gold-bright);
  border:1px solid var(--line);
  background:rgba(212,168,87,.08);
  margin-bottom:0;
  overflow:hidden;
}
.avatar img{ width:100%; height:100%; object-fit:cover; object-position:center 22%; }
.member h3{
  margin:clamp(1.5rem,2.4vw,2rem) 0 .35rem;
  padding-top:clamp(1.3rem,2.2vw,1.7rem);
  border-top:1px solid var(--line-soft);
  font-size:1.16rem;
}
.role{ font-size:var(--text-xs); letter-spacing:.1em; text-transform:uppercase; color:var(--gold); margin-bottom:1rem; }
.member p:last-child{ color:var(--cream-dim); font-size:var(--text-sm); line-height:1.68; }

/* ---------- booking ---------- */
.calendar-wrap{
  border:1px solid var(--line);
  border-radius:var(--radius-lg);
  background:var(--surface);
  overflow:hidden;
  min-height:620px;
  position:relative;
}
.calendar-wrap iframe{ width:100%; min-height:620px; border:0; display:none; background:#fff; }
.calendar-wrap.live iframe{ display:block; }
.calendar-wrap.live .calendar-fallback{ display:none; }
.calendar-fallback{
  display:grid; place-content:center; text-align:center; gap:1rem;
  min-height:400px; padding:clamp(2.5rem,6vw,4.5rem) 2rem;
}
.calendar-wrap:not(.live){ min-height:0; }
.calendar-fallback h3{ font-family:var(--font-display); font-weight:400; font-size:var(--text-xl); color:var(--gold-bright); }
.calendar-fallback p{ max-width:460px; margin-inline:auto; color:var(--cream-dim); font-size:var(--text-sm); }
.cal-actions{ display:flex; gap:.75rem; justify-content:center; flex-wrap:wrap; margin-top:.5rem; }

/* ---------- contact ---------- */
.contact-grid{ display:grid; grid-template-columns:1fr 1fr; gap:clamp(2.5rem,6vw,5rem); align-items:start; }
.contact-copy .sec-sub{ margin-bottom:2.5rem; }
.contact-list{ list-style:none; margin:0; padding:0; display:grid; gap:1.25rem; }
.contact-list li{ display:grid; gap:.3rem; padding-bottom:1.25rem; border-bottom:1px solid var(--line-soft); }
.contact-list li:last-child{ border-bottom:0; }
.cl-label{ font-size:var(--text-xs); letter-spacing:.14em; text-transform:uppercase; color:var(--gold); }
.contact-list a{ text-decoration:none; color:var(--cream); font-size:var(--text-lg); transition:color .22s var(--ease); }
.contact-list a:hover{ color:var(--gold-bright); }

.form{
  border:1px solid var(--line-soft); border-radius:var(--radius-lg);
  background:var(--surface); padding:clamp(1.6rem,3vw,2.4rem);
  display:grid; gap:1.1rem;
}
.row{ display:grid; grid-template-columns:1fr 1fr; gap:1.1rem; }
.field{ display:grid; gap:.45rem; }
.field label{ font-size:var(--text-xs); letter-spacing:.08em; text-transform:uppercase; color:var(--cream-dim); font-weight:600; }
.opt{ text-transform:none; letter-spacing:0; color:var(--cream-faint); font-weight:400; }
.field input,.field select,.field textarea{
  width:100%;
  background:rgba(18,6,11,.55);
  border:1px solid var(--line-soft);
  border-radius:2px;
  color:var(--cream);
  font-family:var(--font-body); font-size:var(--text-base);
  padding:.8rem .95rem;
  transition:border-color .22s var(--ease), background-color .22s var(--ease);
}
.field textarea{ resize:vertical; min-height:110px; }
.field select{ appearance:none; cursor:pointer;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23D4A857' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat:no-repeat; background-position:right .9rem center; background-size:16px; padding-right:2.5rem;
}
.field select option{ background:var(--burgundy-900); color:var(--cream); }
.field input:focus,.field select:focus,.field textarea:focus{ border-color:var(--gold); background:rgba(18,6,11,.8); outline:none; }
.field.invalid input,.field.invalid textarea{ border-color:#E08A7A; }
.err{ font-size:var(--text-xs); color:#E8A092; min-height:0; }
.fine{ font-size:var(--text-xs); color:var(--cream-faint); line-height:1.55; }
.form-status{ font-size:var(--text-sm); color:var(--gold-bright); }
.form-status.error{ color:#E8A092; }

/* ---------- faq ---------- */
.faq{ border-top:1px solid var(--line-soft); }
.faq details{ border-bottom:1px solid var(--line-soft); }
.faq summary{
  list-style:none; cursor:pointer; padding:1.4rem 2.5rem 1.4rem 0;
  font-size:var(--text-lg); font-weight:500; position:relative;
  transition:color .22s var(--ease);
}
.faq summary::-webkit-details-marker{ display:none; }
.faq summary:hover{ color:var(--gold-bright); }
.faq summary::after{
  content:''; position:absolute; right:.4rem; top:50%; width:12px; height:12px;
  border-right:1.5px solid var(--gold); border-bottom:1.5px solid var(--gold);
  transform:translateY(-70%) rotate(45deg); transition:transform .3s var(--ease);
}
.faq details[open] summary::after{ transform:translateY(-25%) rotate(-135deg); }
.faq-body{ padding:0 3rem 1.6rem 0; }
.faq-body p{ color:var(--cream-dim); font-size:var(--text-sm); line-height:1.72; }
.footer-note{ color:var(--cream-faint); font-size:var(--text-sm); }

/* ---------- footer ---------- */
.site-footer{ background:var(--ink); border-top:1px solid var(--line-soft); padding-top:clamp(3rem,5vw,4.5rem); }
.footer-inner{ display:grid; grid-template-columns:2fr 1fr 1fr; gap:2.5rem; padding-bottom:3rem; }
.footer-tag{ margin-top:1.25rem; color:var(--cream-faint); font-size:var(--text-sm); max-width:320px; }
.footer-col{ display:flex; flex-direction:column; gap:.7rem; }
.footer-col h4{ font-size:var(--text-xs); letter-spacing:.14em; text-transform:uppercase; color:var(--gold); margin-bottom:.35rem; font-weight:600; }
.footer-col a{ text-decoration:none; color:var(--cream-dim); font-size:var(--text-sm); transition:color .22s var(--ease); }
.footer-col a:hover{ color:var(--gold-bright); }
.footer-legal{ border-top:1px solid var(--line-soft); padding-block:1.75rem 2.25rem; display:grid; gap:.9rem; }
.footer-legal p{ font-size:var(--text-xs); color:var(--cream-faint); }
.disclosure{ line-height:1.6; max-width:900px; }

/* ---------- reveal ---------- */
.reveal{ opacity:0; transform:translateY(18px); transition:opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.in{ opacity:1; transform:none; }

@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior:auto; }
  .reveal{ opacity:1; transform:none; transition:none; }
  *{ animation-duration:.01ms !important; transition-duration:.01ms !important; }
}

/* ---------- responsive ---------- */
@media (max-width: 1024px){
  .steps{ grid-template-columns:repeat(2,1fr); }
  .team{ grid-template-columns:repeat(2,1fr); }
  .svc-grid{ grid-template-columns:repeat(2, 1fr); }
  .ledger{ grid-template-columns:repeat(2, 1fr); }
  .footer-inner{ grid-template-columns:1fr 1fr; }
}

@media (min-width: 901px){
  .mobile-nav{ display:none; }
}

@media (max-width: 900px){
  .nav, .header-cta{ display:none; }
  .menu-toggle{ display:flex; margin-left:auto; }
  .contact-grid{ grid-template-columns:1fr; }
}

@media (max-width: 640px){
  :root{ --pad-sec: 4rem; }
  .steps, .team{ grid-template-columns:1fr; }
  .svc-grid{ grid-template-columns:1fr; }
  .svc-feature{ grid-template-columns:1fr; }
  .ledger{ grid-template-columns:1fr; gap:1.4rem; }
  .ledger-l{ max-width:none; }
  .row{ grid-template-columns:1fr; }
  .hero-cta .btn{ width:100%; }
  .footer-inner{ grid-template-columns:1fr; gap:2rem; }
  .calendar-wrap, .calendar-wrap iframe{ min-height:520px; }
  .calendar-fallback{ min-height:340px; }
  .faq summary{ font-size:var(--text-base); }
}