/* Crossroads Ledger LLC — main stylesheet
   Author: in-house / 2024, revised 2026
   ------------------------------------------------- */

:root{
  --navy:#12233c;
  --navy-700:#1c3559;
  --navy-50:#eef2f8;
  --ink:#1a1f27;
  --body:#4a5462;
  --gold:#b8863b;
  --gold-soft:#f3e7d4;
  --paper:#fbfaf7;
  --line:#e3e1da;
  --white:#fff;
  --green:#2f6b4f;
  --radius:14px;
  --shadow-sm:0 1px 2px rgba(18,35,60,.06), 0 4px 14px rgba(18,35,60,.06);
  --shadow-md:0 10px 34px rgba(18,35,60,.12);
  --wrap:1160px;
  --font-head:"Fraunces",Georgia,"Times New Roman",serif;
  --font-body:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  margin:0;background:var(--paper);color:var(--body);
  font-family:var(--font-body);font-size:17px;line-height:1.72;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy-700);text-decoration:none}
a:hover{color:var(--gold)}
h1,h2,h3,h4{font-family:var(--font-head);color:var(--navy);line-height:1.16;margin:0 0 .5em;font-weight:600;letter-spacing:-.015em}
h1{font-size:clamp(2.1rem,4.6vw,3.5rem)}
h2{font-size:clamp(1.65rem,3vw,2.35rem)}
h3{font-size:1.22rem}
p{margin:0 0 1.05em}
ul,ol{padding-left:1.15rem}
li{margin-bottom:.45em}
hr{border:0;border-top:1px solid var(--line);margin:2.5rem 0}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:4px}

.wrap{max-width:var(--wrap);margin:0 auto;padding:0 22px}
.narrow{max-width:820px}
section{padding:76px 0}
.section-alt{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.eyebrow{font-size:.74rem;letter-spacing:.19em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:.7rem}
.lead{font-size:1.11rem;color:#3d4753}
.center{text-align:center}
.muted{color:#6b7480;font-size:.94rem}

/* ---------- skip link ---------- */
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:999}
.skip:focus{left:8px;top:8px;color:#fff}

/* ---------- top bar ---------- */
.topbar{background:var(--navy);color:#c9d4e4;font-size:.82rem}
.topbar .wrap{display:flex;gap:22px;justify-content:space-between;align-items:center;min-height:38px;flex-wrap:wrap}
.topbar a{color:#e7edf6}
.topbar a:hover{color:var(--gold-soft)}
.topbar span{display:inline-flex;align-items:center;gap:7px}

/* ---------- header ---------- */
.site-header{position:sticky;top:0;z-index:60;background:rgba(251,250,247,.88);backdrop-filter:saturate(160%) blur(10px);border-bottom:1px solid var(--line);transition:box-shadow .3s ease,background .3s ease}
.site-header.is-stuck{box-shadow:0 6px 24px rgba(18,35,60,.09);background:rgba(251,250,247,.96)}
.nav{display:flex;align-items:center;gap:18px;min-height:74px}
.brand{display:flex;align-items:center;gap:11px;font-family:var(--font-head);font-size:1.16rem;color:var(--navy);font-weight:600;letter-spacing:-.01em}
.brand img{width:38px;height:38px}
.brand small{display:block;font-family:var(--font-body);font-size:.62rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:700}
.nav-links{display:flex;gap:4px;margin-left:auto;align-items:center;list-style:none;padding:0}
.nav-links a{padding:9px 13px;border-radius:9px;font-size:.94rem;font-weight:500;color:#33404f;position:relative}
.nav-links a:hover{background:var(--navy-50);color:var(--navy)}
.nav-links a.active{color:var(--navy);font-weight:600}
.nav-links a.active::after{content:"";position:absolute;left:13px;right:13px;bottom:2px;height:2px;background:var(--gold);border-radius:2px}
.nav-cta{background:var(--navy);color:#fff!important;padding:11px 18px!important;border-radius:10px;font-weight:600!important}
.nav-cta:hover{background:var(--navy-700);transform:translateY(-1px)}
.burger{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:10px;width:44px;height:42px;cursor:pointer;align-items:center;justify-content:center}
.burger span{display:block;width:20px;height:2px;background:var(--navy);position:relative}
.burger span::before,.burger span::after{content:"";position:absolute;left:0;width:20px;height:2px;background:var(--navy);transition:.25s}
.burger span::before{top:-6px}.burger span::after{top:6px}
.burger[aria-expanded="true"] span{background:transparent}
.burger[aria-expanded="true"] span::before{top:0;transform:rotate(45deg)}
.burger[aria-expanded="true"] span::after{top:0;transform:rotate(-45deg)}

@media(max-width:960px){
  .burger{display:flex}
  .nav-links{position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:10px 16px 18px;border-bottom:1px solid var(--line);box-shadow:var(--shadow-md);display:none}
  .nav-links.open{display:flex;animation:dropIn .28s ease both}
  .nav-links a{padding:13px 6px;border-bottom:1px solid #f0eee9}
  .nav-cta{text-align:center;margin-top:10px;border-bottom:0!important}
}
@keyframes dropIn{from{opacity:0;transform:translateY(-10px)}to{opacity:1;transform:none}}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:9px;border-radius:11px;padding:14px 24px;font-weight:600;font-size:.97rem;border:1px solid transparent;cursor:pointer;transition:transform .18s ease,box-shadow .18s ease,background .18s ease}
.btn-primary{background:var(--navy);color:#fff}
.btn-primary:hover{background:var(--navy-700);color:#fff;transform:translateY(-2px);box-shadow:var(--shadow-md)}
.btn-gold{background:var(--gold);color:#fff}
.btn-gold:hover{color:#fff;transform:translateY(-2px);box-shadow:var(--shadow-md);background:#a2742f}
.btn-ghost{border-color:#cfd6e0;background:#fff;color:var(--navy)}
.btn-ghost:hover{border-color:var(--navy);transform:translateY(-2px)}
.btn-row{display:flex;gap:14px;flex-wrap:wrap}

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;background:linear-gradient(180deg,#fff 0%,var(--paper) 100%);padding:74px 0 84px}
.hero::before{content:"";position:absolute;inset:0;background-image:radial-gradient(var(--line) 1px,transparent 1px);background-size:22px 22px;opacity:.5;pointer-events:none}
.hero .wrap{position:relative;display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.hero h1 span{color:var(--gold);font-style:italic}
.hero-media{position:relative}
.hero-media img{border-radius:18px;box-shadow:var(--shadow-md)}
.hero-badge{position:absolute;left:-18px;bottom:-22px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px 18px;box-shadow:var(--shadow-md);display:flex;gap:12px;align-items:center}
.hero-badge b{display:block;font-family:var(--font-head);font-size:1.5rem;color:var(--navy);line-height:1}
.hero-badge small{font-size:.76rem;color:#6b7480}
.trust-row{display:flex;gap:26px;flex-wrap:wrap;margin-top:26px;padding-top:22px;border-top:1px solid var(--line);font-size:.88rem;color:#5a6472}
.trust-row span{display:inline-flex;gap:8px;align-items:center}
@media(max-width:900px){.hero .wrap{grid-template-columns:1fr;gap:40px}.hero-badge{left:10px}}

/* ---------- stats ---------- */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.stat{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px 22px;text-align:center;box-shadow:var(--shadow-sm)}
.stat b{display:block;font-family:var(--font-head);font-size:2.1rem;color:var(--navy)}
.stat span{font-size:.86rem;color:#6b7480}

/* ---------- cards / grids ---------- */
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:980px){.g3,.g4,.stats{grid-template-columns:repeat(2,1fr)}}
@media(max-width:620px){.g2,.g3,.g4,.stats{grid-template-columns:1fr}}

.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow-sm);transition:transform .25s ease,box-shadow .25s ease,border-color .25s ease}
.card:hover{transform:translateY(-5px);box-shadow:var(--shadow-md);border-color:#d3cec2}
.card h3{margin-bottom:.4em}
.card p:last-child{margin-bottom:0}
.icon{width:46px;height:46px;border-radius:12px;background:var(--navy-50);color:var(--navy);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.icon svg{width:23px;height:23px}
.card-link{font-weight:600;font-size:.92rem;display:inline-flex;gap:6px;align-items:center;margin-top:10px}
.card-link:hover{gap:11px}
.card-link span{transition:.2s}

.split{display:grid;grid-template-columns:1fr 1fr;gap:54px;align-items:center}
.split img{border-radius:18px;box-shadow:var(--shadow-md)}
@media(max-width:880px){.split{grid-template-columns:1fr;gap:32px}}

.checklist{list-style:none;padding:0;margin:0}
.checklist li{padding-left:32px;position:relative;margin-bottom:.7em}
.checklist li::before{content:"";position:absolute;left:0;top:.42em;width:18px;height:18px;border-radius:50%;background:var(--gold-soft);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23b8863b' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");
  background-size:12px;background-repeat:no-repeat;background-position:center}

/* ---------- pricing ---------- */
.price-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:32px 28px;display:flex;flex-direction:column;box-shadow:var(--shadow-sm);transition:.25s}
.price-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-md)}
.price-card.featured{border:2px solid var(--navy);position:relative}
.price-card.featured::after{content:"Most popular";position:absolute;top:-13px;left:50%;transform:translateX(-50%);background:var(--gold);color:#fff;font-size:.7rem;letter-spacing:.14em;text-transform:uppercase;padding:5px 14px;border-radius:20px;font-weight:700}
.price{font-family:var(--font-head);font-size:2.6rem;color:var(--navy);line-height:1;margin:8px 0 2px}
.price sup{font-size:1.05rem;top:-.68em;position:relative;margin-right:1px;font-weight:600}
.price-card ul{list-style:none;padding:0;margin:18px 0 26px;font-size:.95rem}
.price-card ul li{padding-left:26px;position:relative}
.price-card ul li::before{content:"✓";position:absolute;left:0;color:var(--green);font-weight:700}
.price-card .btn{margin-top:auto;justify-content:center}

/* ---------- testimonials ---------- */
.quote{background:#fff;border:1px solid var(--line);border-left:3px solid var(--gold);border-radius:12px;padding:26px}
.quote p{font-family:var(--font-head);font-size:1.05rem;color:var(--ink);font-style:italic}
.quote footer{font-size:.87rem;color:#6b7480;font-style:normal}
.stars{color:var(--gold);letter-spacing:2px;font-size:.9rem;margin-bottom:10px}

/* ---------- steps ---------- */
.steps{counter-reset:s;display:grid;gap:22px;grid-template-columns:repeat(4,1fr)}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px 22px;position:relative}
.step::before{counter-increment:s;content:"0" counter(s);font-family:var(--font-head);font-size:1.5rem;color:var(--gold);display:block;margin-bottom:8px}
@media(max-width:980px){.steps{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.steps{grid-template-columns:1fr}}

/* ---------- faq ---------- */
.faq-item{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px;overflow:hidden}
.faq-item summary{cursor:pointer;padding:18px 52px 18px 20px;font-weight:600;color:var(--navy);position:relative;list-style:none;font-size:1rem}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";position:absolute;right:20px;top:14px;font-size:1.5rem;color:var(--gold);transition:transform .25s}
.faq-item[open] summary::after{transform:rotate(45deg)}
.faq-body{padding:0 20px 18px;animation:fadeUp .3s ease both}
.faq-body p:last-child{margin-bottom:0}

/* ---------- banner / cta ---------- */
.cta-band{background:var(--navy);color:#dbe3ef;position:relative;overflow:hidden}
.cta-band h2{color:#fff}
.cta-band::after{content:"";position:absolute;right:-90px;top:-90px;width:320px;height:320px;border-radius:50%;background:rgba(184,134,59,.16)}
.cta-band .wrap{position:relative;display:flex;gap:30px;align-items:center;justify-content:space-between;flex-wrap:wrap}

/* ---------- tables ---------- */
table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden;font-size:.95rem}
th,td{padding:13px 16px;text-align:left;border-bottom:1px solid var(--line)}
th{background:var(--navy-50);color:var(--navy);font-weight:600}
tr:last-child td{border-bottom:0}

/* ---------- forms ---------- */
.form{background:#fff;border:1px solid var(--line);border-radius:16px;padding:30px;box-shadow:var(--shadow-sm)}
.field{margin-bottom:17px}
label{display:block;font-size:.88rem;font-weight:600;color:var(--navy);margin-bottom:6px}
input,select,textarea{width:100%;padding:12px 14px;border:1px solid #d8d5cd;border-radius:10px;font:inherit;font-size:.96rem;background:#fdfdfc;color:var(--ink);transition:border-color .2s,box-shadow .2s}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(18,35,60,.09)}
textarea{min-height:130px;resize:vertical}
.form-note{font-size:.82rem;color:#78818d}
.form-msg{display:none;margin-top:14px;padding:13px 16px;border-radius:10px;background:#eaf5ee;border:1px solid #bfe0cc;color:var(--green);font-size:.92rem}
.form-msg.show{display:block;animation:fadeUp .3s ease both}

/* ---------- article ---------- */
.article p,.article li{font-size:1.03rem}
.article h2{margin-top:1.8em}
.article h3{margin-top:1.5em}
.legal h2{margin-top:2em;font-size:1.45rem}
.legal h3{margin-top:1.4em}
.toc{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px 24px}
.toc ul{margin:0;font-size:.94rem}

.post-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-sm);transition:.25s;display:flex;flex-direction:column}
.post-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-md)}
.post-card img{aspect-ratio:16/10;object-fit:cover;width:100%}
.post-card .body{padding:22px}
.tag{display:inline-block;font-size:.7rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:8px}

/* ---------- breadcrumbs ---------- */
.crumbs{font-size:.84rem;color:#78818d;padding:16px 0 0}
.crumbs a{color:#5c6674}

.page-head{background:var(--white);border-bottom:1px solid var(--line);padding:52px 0 56px;position:relative;overflow:hidden}
.page-head::after{content:"";position:absolute;left:0;right:0;bottom:0;height:3px;background:linear-gradient(90deg,var(--navy),var(--gold))}

/* ---------- footer ---------- */
.site-footer{background:var(--navy);color:#a9b8cd;font-size:.93rem;padding:60px 0 0}
.site-footer h4{color:#fff;font-family:var(--font-body);font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;margin-bottom:16px}
.site-footer a{color:#c6d2e2;display:block;padding:4px 0}
.site-footer a:hover{color:var(--gold-soft)}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.3fr;gap:36px}
@media(max-width:900px){.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.footer-grid{grid-template-columns:1fr}}
.footer-brand{display:flex;gap:11px;align-items:center;margin-bottom:14px}
.footer-brand img{width:38px;height:38px}
.footer-brand b{font-family:var(--font-head);color:#fff;font-size:1.1rem}
.footer-bottom{margin-top:44px;border-top:1px solid rgba(255,255,255,.13);padding:18px 0;display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;font-size:.85rem}
.footer-bottom a{display:inline}

/* ---------- cookie banner ---------- */
.cookie{position:fixed;left:16px;right:16px;bottom:16px;z-index:200;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:0 18px 50px rgba(18,35,60,.22);padding:22px 24px;max-width:660px;margin:0 auto;display:none}
.cookie.show{display:block;animation:cookieIn .45s cubic-bezier(.2,.8,.3,1) both}
.cookie h4{font-family:var(--font-head);color:var(--navy);margin:0 0 6px;font-size:1.1rem}
.cookie p{font-size:.9rem;margin-bottom:14px}
.cookie .btn{padding:10px 18px;font-size:.9rem}
@keyframes cookieIn{from{opacity:0;transform:translateY(28px)}to{opacity:1;transform:none}}

/* ---------- back to top ---------- */
.totop{position:fixed;right:18px;bottom:18px;z-index:150;width:46px;height:46px;border-radius:50%;background:var(--navy);color:#fff;border:0;display:flex;align-items:center;justify-content:center;cursor:pointer;opacity:0;pointer-events:none;transition:.3s;box-shadow:var(--shadow-md)}
.totop.show{opacity:1;pointer-events:auto}
.totop:hover{background:var(--gold)}

/* ---------- reveal animations ---------- */
.reveal{opacity:0;transform:translateY(22px)}
.reveal.in{opacity:1;transform:none;transition:opacity .7s cubic-bezier(.2,.7,.3,1),transform .7s cubic-bezier(.2,.7,.3,1)}
.reveal.d1.in{transition-delay:.08s}.reveal.d2.in{transition-delay:.16s}.reveal.d3.in{transition-delay:.24s}
@keyframes fadeUp{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
@media (prefers-reduced-motion:reduce){
  *{animation-duration:.001ms!important;transition-duration:.001ms!important;scroll-behavior:auto!important}
  .reveal{opacity:1;transform:none}
}