/* ============================================================
   ASEGA Financial — Site Styles (approved design)
   Spacious layout · cream foundation · gold accents ·
   Option A gold tail-underline nav · real logo
   ============================================================ */
:root{
  --navy:#0E203E; --teal:#0F7178; --teal-deep:#076E75; --gold:#C3913B;
  --cream:#FCFAF7; --white:#FFFFFF; --mist:#E8E7E7; --slate:#3C5073;
  --display:'Playfair Display',Georgia,serif; --body:'Inter',Helvetica,Arial,sans-serif;
  --radius:14px; --shadow:0 8px 28px rgba(14,32,62,.06); --shadow-hover:0 14px 36px rgba(14,32,62,.10);
  --maxw:1160px; --gutter:28px;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation-duration:.01ms!important;transition-duration:.01ms!important}}
body{font-family:var(--body);color:var(--navy);background:var(--cream);line-height:1.6;font-size:17px;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--teal);text-decoration:none}
a:hover{color:var(--teal-deep)}
h1,h2,h3{font-family:var(--display);color:var(--navy);line-height:1.14;font-weight:700}
h1{font-size:clamp(2.3rem,5vw,3.6rem);letter-spacing:-.01em}
h2{font-size:clamp(1.7rem,3.5vw,2.4rem)}
h3{font-size:1.3rem}
p{color:var(--slate)}
.container{max-width:var(--maxw);margin:0 auto;padding:0 var(--gutter)}
.section{padding:104px 0}
.text-center{text-align:center}

/* skip link */
.skip-link{position:absolute;left:-999px;top:0;z-index:1000;background:var(--navy);color:#fff;padding:10px 16px;border-radius:0 0 8px 0}
.skip-link:focus{left:0;color:#fff}

/* buttons */
.btn{display:inline-block;font-family:var(--body);font-weight:600;font-size:1rem;padding:15px 30px;border-radius:var(--radius);cursor:pointer;border:1.5px solid transparent;transition:all .18s ease;text-align:center}
.btn--primary{background:var(--teal);color:#fff}
.btn--primary:hover{background:var(--teal-deep);color:#fff;transform:translateY(-1px)}
.btn--secondary{background:transparent;color:var(--teal);border-color:var(--teal)}
.btn--secondary:hover{background:rgba(15,113,120,.06);color:var(--teal-deep)}
.btn--block{display:block;width:100%}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}

/* header + Option A nav */
.site-header{position:sticky;top:0;z-index:100;background:rgba(252,250,247,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--mist)}
.nav{display:flex;align-items:center;justify-content:space-between;height:76px;gap:20px}
.nav__logo{flex-shrink:0}
.nav__logo img{height:40px;width:auto;max-width:none;display:block}
.nav__menu{display:flex;gap:28px;list-style:none}
.nav__menu a{color:var(--navy);font-weight:500;font-size:.98rem;position:relative;padding:6px 0;background:none;transition:color .16s;white-space:nowrap}
.nav__menu a::after{content:"";position:absolute;left:0;right:0;bottom:0;height:2px;background:var(--gold);transform:scaleX(0);transform-origin:center;transition:transform .18s ease}
.nav__menu a:hover{color:var(--teal)}
.nav__menu a:hover::after,.nav__menu a[aria-current="page"]::after{transform:scaleX(1)}
.nav__menu a[aria-current="page"]{color:var(--navy)}
.nav__right{display:flex;align-items:center;gap:16px;flex-shrink:0}
.lang{font-size:.8rem;font-weight:600;color:var(--slate)}
.lang a{color:var(--slate);padding:2px 3px}
.lang a[aria-current="true"]{color:var(--navy)}
.nav__right .btn{font-size:.82rem;padding:10px 18px;white-space:nowrap}
.nav__toggle{display:none;background:none;border:none;cursor:pointer;padding:8px}
.nav__toggle span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0;transition:.2s}
.nav__cta-mobile{display:none}
@media (max-width:920px){
  .nav__menu,.nav__cta-desktop{display:none}
  .nav__toggle{display:block}
  .nav--open .nav__menu{display:flex;position:absolute;top:76px;left:0;right:0;flex-direction:column;align-items:flex-start;gap:0;background:var(--cream);border-bottom:1px solid var(--mist);padding:8px 0}
  .nav--open .nav__menu li{width:100%}
  .nav--open .nav__menu a{display:block;padding:14px var(--gutter);width:100%}
  .nav--open .nav__menu a::after{display:none}
  .nav--open .nav__cta-mobile{display:block;margin:10px var(--gutter)}
}

/* hero */
.hero{padding:96px 0 90px;background:var(--cream)}
.hero__grid{display:grid;grid-template-columns:1.05fr .95fr;gap:64px;align-items:center}
.hero h1{margin-bottom:24px}
.hero .dot{color:var(--navy)}
.hero__lead{font-size:1.2rem;color:var(--slate);margin-bottom:34px;max-width:38ch}
.hero__actions{display:flex;gap:16px;flex-wrap:wrap}
.hero__photo{border-radius:var(--radius);box-shadow:var(--shadow);aspect-ratio:3/2;overflow:hidden;background:#f0ece3}
.hero__photo img{width:100%;height:100%;object-fit:cover;display:block}
@media (max-width:820px){.hero__grid{grid-template-columns:1fr;gap:36px}.hero__photo{order:-1}}

/* service hero (interior) */
.service-hero{padding:80px 0 56px;background:var(--cream);text-align:center}
.service-hero h1{margin-bottom:20px}
.service-hero .sub{font-size:1.2rem;color:var(--slate);max-width:54ch;margin:0 auto 30px}

/* trust row */
.trust{background:var(--white);border-top:1px solid var(--mist);border-bottom:1px solid var(--mist)}
.trust__row{display:flex;justify-content:center;gap:64px;flex-wrap:wrap;padding:34px 0}
.trust__item{display:flex;align-items:center;gap:12px;font-size:.98rem;color:var(--slate)}
.trust__item svg{width:26px;height:26px;stroke:var(--teal);fill:none;stroke-width:1.6;flex-shrink:0}
.trust__item b{color:var(--navy);font-weight:600}

/* section title with gold underline */
.stitle{text-align:center;margin-bottom:14px}
.stitle::after{content:"";display:block;width:52px;height:3px;background:var(--gold);border-radius:2px;margin:18px auto 0}
.ssub{text-align:center;color:var(--slate);max-width:58ch;margin:0 auto 60px}

/* bands */
.band-white{background:var(--white);border-top:1px solid var(--mist);border-bottom:1px solid var(--mist)}

/* service cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}
.card{background:var(--white);border-radius:var(--radius);padding:40px 34px;box-shadow:var(--shadow);display:flex;flex-direction:column;transition:.18s}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-hover)}
.card__icon{width:46px;height:46px;margin-bottom:22px}
.card__icon svg{width:100%;height:100%;stroke:var(--teal);fill:none;stroke-width:1.5}
.card h3{margin-bottom:12px}
.card p{margin-bottom:22px;flex-grow:1}
.card__link{font-weight:600;color:var(--teal)}
@media (max-width:820px){.cards{grid-template-columns:1fr}}

/* who we help */
.who{text-align:center}
.trades{font-family:var(--display);font-size:clamp(1.15rem,2.2vw,1.6rem);color:var(--navy);display:flex;flex-wrap:wrap;justify-content:center;gap:8px 0;margin:40px 0 22px}
.trades span{padding:0 20px;position:relative}
.trades span:not(:last-child)::after{content:"\00B7";position:absolute;right:-2px;color:var(--gold)}
.who p{max-width:60ch;margin:0 auto}

/* steps with gold arrows */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}
.step{text-align:center;padding:0 16px;position:relative}
.step:not(:last-child)::after{content:"\2192";position:absolute;top:16px;right:-16px;color:var(--gold);font-size:1.7rem;font-weight:700;line-height:1}
.step__n{width:56px;height:56px;border-radius:50%;background:var(--teal);color:#fff;display:flex;align-items:center;justify-content:center;font-family:var(--display);font-weight:700;font-size:1.4rem;margin:0 auto 20px}
.step h3{font-size:1.15rem;margin-bottom:10px}
.step p{font-size:.98rem}
@media (max-width:820px){.steps{grid-template-columns:1fr;row-gap:44px}.step:not(:last-child)::after{top:auto;right:auto;left:50%;bottom:-18px;transform:translateX(-50%) rotate(90deg)}}

/* prose */
.prose{max-width:720px;margin:0 auto}
.prose p{margin-bottom:18px;font-size:1.08rem}
.lead{font-size:1.2rem;color:var(--slate)}

/* recognition grid */
.reco{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;max-width:920px;margin:0 auto}
.reco__item{background:var(--white);border-radius:var(--radius);padding:22px 24px;box-shadow:var(--shadow)}
.reco__item strong{display:block;color:var(--navy);margin-bottom:5px;font-size:1.02rem}
.reco__item span{color:var(--slate);font-size:.96rem}
@media (max-width:720px){.reco{grid-template-columns:1fr}}

/* checklist */
.checklist{list-style:none;max-width:760px;margin:0 auto}
.checklist li{position:relative;padding:18px 0 18px 42px;border-bottom:1px solid var(--mist)}
.checklist li::before{content:"";position:absolute;left:0;top:20px;width:24px;height:24px;background:var(--teal);border-radius:50%;
  -webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='white' d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z'/%3E%3C/svg%3E") center/15px no-repeat;
  mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='white' d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z'/%3E%3C/svg%3E") center/15px no-repeat}
.checklist li strong{color:var(--navy)}

/* callout (notary / not-legal-advice on page) */
.callout{background:#f3f1ec;border-left:3px solid var(--gold);border-radius:8px;padding:18px 22px;max-width:720px;margin:26px auto 0}
.callout p{margin:0;font-style:italic;color:var(--slate);font-size:.95rem}

/* founders */
.founders{display:grid;grid-template-columns:1fr 1fr;gap:32px;max-width:900px;margin:0 auto}
.founder{background:var(--white);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow)}
.founder h3{margin-bottom:5px}
.founder__role{color:var(--teal);font-weight:600;font-size:.92rem;margin-bottom:14px}
.founder__cred{margin-top:14px;font-size:.9rem;color:var(--slate);border-top:1px solid var(--mist);padding-top:12px}
@media (max-width:720px){.founders{grid-template-columns:1fr}}

/* contact form */
.contact-grid{display:grid;grid-template-columns:1.3fr .7fr;gap:44px;align-items:start;max-width:1000px;margin:0 auto}
.form{background:var(--white);border-radius:var(--radius);padding:34px;box-shadow:var(--shadow)}
.form__row{margin-bottom:18px}
.form label{display:block;font-weight:600;font-size:.92rem;color:var(--navy);margin-bottom:6px}
.form .req{color:var(--teal)}
.form input[type=text],.form input[type=email],.form select,.form textarea{width:100%;padding:12px 14px;border:1.5px solid var(--mist);border-radius:10px;font-family:var(--body);font-size:1rem;color:var(--navy);background:var(--cream)}
.form input:focus,.form select:focus,.form textarea:focus{border-color:var(--teal);outline:none;background:var(--white)}
.form textarea{resize:vertical;min-height:84px}
.form__consent{display:flex;gap:10px;align-items:flex-start;font-size:.92rem;color:var(--slate)}
.form__consent input{margin-top:3px}
.form__consent label{font-weight:400;color:var(--slate)}
.warning{background:#fbf6ee;border:1px solid #ecd9b6;border-radius:10px;padding:14px 16px;font-size:.9rem;color:#6b5326;margin-bottom:22px}
.contact-aside h3{font-size:1.15rem;margin-bottom:14px}
.contact-aside ul{list-style:none}
.contact-aside li{padding:8px 0;color:var(--slate)}
.contact-aside li strong{color:var(--navy);display:block;font-size:.82rem;text-transform:uppercase;letter-spacing:.04em}
.wa-btn{background:#25D366;color:#fff;display:inline-flex;align-items:center;gap:8px;padding:12px 20px;border-radius:var(--radius);font-weight:600;margin-bottom:20px}
.wa-btn:hover{color:#fff;filter:brightness(.95)}
.form-success{display:none;background:#eef7f0;border:1px solid #bfe3c9;border-radius:10px;padding:16px;color:#256b39;margin-bottom:18px}
.form-success.show{display:block}
@media (max-width:820px){.contact-grid{grid-template-columns:1fr}}

/* cta band */
.cta-navy{background:var(--navy);text-align:center}
.cta-navy h2{color:#fff;margin-bottom:22px}

/* footer */
.site-footer{background:var(--navy);color:#c4cdda;padding:64px 0 30px}
.site-footer a{color:#c4cdda}
.site-footer a:hover{color:#fff}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.4fr;gap:34px;margin-bottom:40px}
.site-footer img{height:40px;margin-bottom:16px}
.footer-blurb{font-size:.92rem;max-width:30ch}
.footer-col h4{color:#fff;font-family:var(--body);font-size:.78rem;text-transform:uppercase;letter-spacing:.06em;margin-bottom:14px}
.footer-col ul{list-style:none}
.footer-col li{padding:5px 0;font-size:.95rem}
.footer-warning{border-top:1px solid rgba(255,255,255,.12);padding-top:22px;font-size:.82rem;color:#9aa6b8}
.footer-legal{display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:16px;font-size:.85rem}
.footer-disclaimer{margin-top:14px;font-size:.82rem;color:#9aa6b8}
.footer-tagline{font-family:var(--display);color:#fff;font-size:1.05rem;margin-top:18px}
@media (max-width:820px){.footer-grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.footer-grid{grid-template-columns:1fr}}

/* ---------- Legal pages ---------- */
.legal{max-width:800px;margin:0 auto}
.legal h2{font-size:1.4rem;margin:38px 0 12px}
.legal h2:first-of-type{margin-top:0}
.legal p{margin-bottom:16px;font-size:1.02rem}
.legal ul{margin:0 0 16px 22px}
.legal li{color:var(--slate);margin-bottom:8px}
.legal .draft-note{background:#fbf6ee;border:1px solid #ecd9b6;border-radius:10px;padding:16px 20px;color:#6b5326;font-size:.92rem;margin-bottom:36px}
.legal .updated{color:var(--slate);font-size:.9rem;margin-bottom:30px;font-style:italic}

/* ---------- What's included — icon cards (approved enrichment) ---------- */
.incl{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;max-width:940px;margin:0 auto}
.incl__item{background:var(--white);border-radius:var(--radius);box-shadow:var(--shadow);padding:26px;display:flex;gap:18px;align-items:flex-start;transition:transform .18s ease,box-shadow .18s ease}
.incl__item:hover{transform:translateY(-3px);box-shadow:var(--shadow-hover)}
.incl__icon{width:44px;height:44px;flex-shrink:0;border-radius:10px;background:rgba(15,113,120,.09);display:flex;align-items:center;justify-content:center}
.incl__icon svg{width:24px;height:24px;stroke:var(--teal);fill:none;stroke-width:1.7}
.incl__txt strong{display:block;color:var(--navy);margin-bottom:5px;font-size:1.05rem}
.incl__txt span{color:var(--slate);font-size:.96rem}
@media (max-width:720px){.incl{grid-template-columns:1fr}}

/* ---------- Pricing cards ---------- */
.pricing-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;max-width:1000px;margin:44px auto 0}
.price-card{background:var(--white);border:1px solid var(--mist);border-radius:var(--radius);padding:34px 28px;box-shadow:var(--shadow);display:flex;flex-direction:column;text-align:center;transition:transform .18s ease,box-shadow .18s ease}
.price-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-hover)}
.price-card--featured{border:2px solid var(--teal);position:relative}
.price-card__badge{position:absolute;top:-13px;left:50%;transform:translateX(-50%);background:var(--teal);color:#fff;font-size:.72rem;font-weight:600;letter-spacing:.04em;text-transform:uppercase;padding:5px 14px;border-radius:20px}
.price-card__name{font-family:var(--display);font-size:1.35rem;color:var(--navy);margin-bottom:6px}
.price-card__for{font-size:.9rem;color:var(--slate);margin-bottom:20px;min-height:2.6em}
.price-card__starting{font-size:.76rem;text-transform:uppercase;letter-spacing:.05em;color:var(--teal);font-weight:600;margin-bottom:4px}
.price-card__price{font-family:var(--display);font-size:2.5rem;color:var(--navy);line-height:1}
.price-card__unit{font-size:.95rem;color:var(--slate);margin-bottom:22px}
.price-card__note{font-size:.88rem;color:var(--slate);margin-bottom:24px;flex-grow:1}
.price-card .btn{width:100%}
.pricing-disclaimer{text-align:center;max-width:640px;margin:26px auto 0;font-size:.9rem;color:var(--slate)}
@media (max-width:820px){.pricing-grid{grid-template-columns:1fr;max-width:420px}}

/* ---------- Taxes: priced recognition items + add-ons ---------- */
.reco--priced .reco__item{display:flex;justify-content:space-between;align-items:flex-start;gap:16px}
.reco__txt{flex:1}
.reco__price{flex-shrink:0;text-align:right}
.reco__price .from{display:block;font-size:.66rem;text-transform:uppercase;letter-spacing:.05em;color:var(--teal);font-weight:600;line-height:1}
.reco__price .amt{font-family:var(--display);font-size:1.5rem;color:var(--navy);line-height:1.1}
.addons{max-width:760px;margin:36px auto 0;background:var(--white);border-radius:var(--radius);box-shadow:var(--shadow);padding:30px 34px}
.addons h3{font-family:var(--display);font-size:1.15rem;color:var(--navy);margin:0 0 4px}
.addons__sub{font-size:.9rem;color:var(--slate);margin-bottom:18px}
.addons__row{display:flex;justify-content:space-between;align-items:baseline;gap:16px;padding:9px 0;border-bottom:0.5px solid var(--mist);font-size:.95rem}
.addons__row:last-child{border-bottom:none}
.addons__row .lbl{color:var(--navy)}
.addons__row .val{color:var(--teal-deep);font-weight:600;white-space:nowrap}

/* ---------- Taxes: build-up pricing cards ---------- */
.tax-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;max-width:1000px;margin:44px auto 0}
.tcard{background:var(--white);border:1px solid var(--mist);border-radius:var(--radius);padding:30px 26px;box-shadow:var(--shadow);display:flex;flex-direction:column;transition:transform .18s ease,box-shadow .18s ease}
.tcard:hover{transform:translateY(-4px);box-shadow:var(--shadow-hover)}
.tcard--featured{border:2px solid var(--teal);position:relative}
.tcard__badge{position:absolute;top:-13px;left:50%;transform:translateX(-50%);background:var(--teal);color:#fff;font-size:.72rem;font-weight:600;letter-spacing:.04em;text-transform:uppercase;padding:5px 14px;border-radius:20px}
.tcard__name{font-family:var(--display);font-size:1.3rem;color:var(--navy);margin-bottom:4px}
.tcard__for{font-size:.88rem;color:var(--slate);margin-bottom:18px;min-height:3.4em}
.tcard__start{font-size:.72rem;text-transform:uppercase;letter-spacing:.05em;color:var(--teal);font-weight:600}
.tcard__price{font-family:var(--display);font-size:2.6rem;color:var(--navy);line-height:1;margin-bottom:18px}
.tcard__inc{list-style:none;margin:0 0 22px;padding:0;flex-grow:1}
.tcard__inc li{font-size:.9rem;color:var(--slate);padding:6px 0 6px 22px;position:relative}
.tcard__inc li::before{content:"\2713";position:absolute;left:0;color:var(--teal);font-weight:700}
.tcard .btn{width:100%}

/* ---------- Business Support pricing ---------- */
.bundle-box{max-width:820px;margin:44px auto 0;background:rgba(15,113,120,.07);border:2px solid var(--teal);border-radius:var(--radius);padding:32px 34px;display:flex;justify-content:space-between;align-items:center;gap:26px;flex-wrap:wrap}
.bundle-box__txt{flex:1;min-width:260px}
.bundle-box__name{font-family:var(--display);font-size:1.35rem;color:var(--navy);margin-bottom:6px}
.bundle-box__desc{font-size:.95rem;color:var(--slate);line-height:1.55}
.bundle-box__price{text-align:center;flex-shrink:0}
.bundle-box__price .from{display:block;font-size:.72rem;text-transform:uppercase;letter-spacing:.05em;color:var(--teal);font-weight:600}
.bundle-box__price .amt{font-family:var(--display);font-size:2.6rem;color:var(--navy);line-height:1}
.bundle-box__price .plus{display:block;font-size:.8rem;color:var(--slate);margin-top:4px}
.svc-list{max-width:820px;margin:30px auto 0;background:var(--white);border-radius:var(--radius);box-shadow:var(--shadow);padding:14px 34px}
.svc-list__row{display:flex;justify-content:space-between;align-items:baseline;gap:16px;padding:13px 0;border-bottom:0.5px solid var(--mist)}
.svc-list__row:last-child{border-bottom:none}
.svc-list__lbl{color:var(--navy);font-size:.98rem}
.svc-list__lbl small{display:block;color:var(--slate);font-size:.83rem;margin-top:2px}
.svc-list__val{color:var(--teal-deep);font-weight:600;white-space:nowrap;text-align:right}
.svc-list__val small{display:block;color:var(--slate);font-weight:400;font-size:.78rem}

/* ---------- SEO/conversion additions ---------- */
.hphone{display:inline-flex;align-items:center;gap:7px;color:var(--navy);font-weight:600;font-size:.93rem;text-decoration:none;margin-right:16px;white-space:nowrap}
.hphone:hover{color:var(--teal)}
@media (max-width:860px){.hphone span{display:none}.hphone{margin-right:10px}}
.wa-float{position:fixed;right:20px;bottom:20px;width:54px;height:54px;border-radius:50%;background:#25D366;color:#fff;display:flex;align-items:center;justify-content:center;box-shadow:0 8px 22px rgba(14,32,62,.22);z-index:60;transition:transform .15s ease}
.wa-float:hover{transform:scale(1.06)}
.faq{max-width:820px;margin:36px auto 0}
.faq details{background:var(--white);border-radius:var(--radius);box-shadow:var(--shadow);padding:18px 24px;margin-bottom:14px}
.faq summary{font-weight:600;color:var(--navy);cursor:pointer;font-size:1.02rem}
.faq details p{color:var(--slate);margin:12px 0 2px;line-height:1.6;font-size:.95rem}
.form-notice{font-size:.85rem;color:var(--slate);margin-top:12px;line-height:1.5}

/* Contact form layout fix — form in wide column */
.contact-main{min-width:0}
.contact-main iframe{width:100%;min-height:900px;display:block}
@media (max-width:820px){.contact-grid{grid-template-columns:1fr}.contact-main iframe{min-height:1000px}}