/* RidgeTop Advisors — site styles */
:root {
  --navy: #23405e;
  --steel: #4c709b;
  --sand: #d3c4a2;
  --sand-light: #ece5d3;
  --ink: #24303c;
  --ink-soft: #4a5867;
  --paper: #fbfaf7;
  --white: #ffffff;
  --max: 1080px;
}
* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: "Avenir Next", "Segoe UI", -apple-system, Helvetica, Arial, sans-serif;
  font-size: 18px; line-height: 1.65; color: var(--ink); background: var(--paper);
}
h1, h2, h3 { font-family: Georgia, "Times New Roman", serif; color: var(--navy); line-height: 1.2; }
h1 { font-size: clamp(2rem, 5vw, 3.2rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.2rem); margin-bottom: .75rem; }
h3 { font-size: 1.25rem; margin-bottom: .5rem; }
p { margin-bottom: 1rem; }
a { color: var(--steel); }
img { max-width: 100%; display: block; }
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 1.25rem; }
section { padding: 4.5rem 0; }

/* Header */
header.site {
  position: sticky; top: 0; z-index: 50;
  background: rgba(20, 34, 51, .96); backdrop-filter: blur(6px);
  border-bottom: 1px solid rgba(211, 196, 162, .25);
}
header.site .wrap { display: flex; align-items: center; justify-content: space-between; padding-top: .65rem; padding-bottom: .65rem; }
header.site img.logo { height: 52px; width: auto; }
nav.main { display: flex; gap: 1.4rem; align-items: center; flex-wrap: wrap; }
nav.main a { color: #eef1f5; text-decoration: none; font-weight: 600; font-size: .95rem; }
nav.main a:hover { color: var(--sand); }
header.site .btn { background: var(--sand); border-color: var(--sand); color: var(--navy) !important; }
header.site .btn:hover { background: var(--sand-light); border-color: var(--sand-light); }
.btn {
  display: inline-block; background: var(--navy); color: var(--white) !important;
  padding: .7rem 1.4rem; border-radius: 6px; text-decoration: none; font-weight: 700;
  border: 2px solid var(--navy);
}
.btn:hover { background: var(--steel); border-color: var(--steel); }
.btn.ghost { background: transparent; color: var(--navy) !important; }
.btn.ghost:hover { background: var(--sand-light); }

/* Hero */
.hero { position: relative; min-height: 68vh; display: flex; align-items: center; overflow: hidden; padding: 5rem 0; }
.hero video { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: 0; }
.hero::after { content: ""; position: absolute; inset: 0; background: linear-gradient(100deg, rgba(20, 34, 51, .82) 30%, rgba(20, 34, 51, .45)); z-index: 1; }
.hero .wrap { position: relative; z-index: 2; color: var(--white); }
.hero h1 { color: var(--white); max-width: 22ch; margin-bottom: 1rem; }
.hero p.lede { font-size: 1.25rem; max-width: 46ch; margin-bottom: 1.75rem; color: #e8ecf2; }
.hero .cta-row { display: flex; gap: 1rem; flex-wrap: wrap; }
.hero .btn.light { background: var(--sand); border-color: var(--sand); color: var(--navy) !important; }
.hero .btn.light:hover { background: var(--sand-light); border-color: var(--sand-light); }

/* Values */
.values { background: var(--white); }
.grid-4 { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 1.5rem; margin-top: 2rem; }
.card { background: var(--paper); border: 1px solid #e7e2d4; border-radius: 10px; padding: 1.6rem; }
.card h3 { color: var(--steel); }
.kicker { text-transform: uppercase; letter-spacing: .12em; font-size: .8rem; font-weight: 700; color: var(--steel); margin-bottom: .5rem; display: flex; align-items: center; gap: .6rem; }
.kicker::before { content: ""; display: inline-block; width: 2.2rem; height: 3px; background: var(--sand); border-radius: 2px; }
.card { transition: transform .18s ease, box-shadow .18s ease; }
.card:hover { transform: translateY(-4px); box-shadow: 0 12px 28px rgba(35, 64, 94, .12); }

/* Services */
.services { background: linear-gradient(180deg, var(--paper), var(--sand-light)); }
.services ul.svc { list-style: none; display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: .75rem 2rem; margin: 1.5rem 0 2rem; }
.services ul.svc li { padding: .8rem 1rem .8rem 2.4rem; position: relative; background: var(--white); border-radius: 8px; border: 1px solid #e7e2d4; font-weight: 600; color: var(--navy); }
.services ul.svc li::before { content: "✓"; position: absolute; left: .95rem; color: var(--steel); font-weight: 800; }

/* Lifestyle band */
.life { background: var(--paper); }
.life-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 1.75rem; margin-top: 2.25rem; }
.life-grid figure { margin: 0; border-radius: 12px; overflow: hidden; background: var(--white); border: 1px solid #e7e2d4; box-shadow: 0 6px 18px rgba(35, 64, 94, .08); transition: transform .18s ease, box-shadow .18s ease; }
.life-grid figure:hover { transform: translateY(-4px); box-shadow: 0 14px 32px rgba(35, 64, 94, .16); }
.life-grid img { width: 100%; aspect-ratio: 4 / 3; object-fit: cover; }
.life-grid figcaption { padding: 1rem 1.2rem; font-family: Georgia, serif; font-size: 1.05rem; color: var(--navy); text-align: center; }

/* About */
.about .cols { display: grid; grid-template-columns: 300px 1fr; gap: 2.5rem; align-items: start; margin-top: 1.5rem; }
.about img.headshot { border-radius: 12px; box-shadow: 0 10px 30px rgba(35, 64, 94, .18); }
.quote { border-left: 4px solid var(--sand); padding: .4rem 0 .4rem 1.4rem; font-style: italic; color: var(--navy); font-family: Georgia, serif; font-size: 1.15rem; line-height: 1.55; margin: 1.5rem 0; background: linear-gradient(90deg, rgba(211,196,162,.14), transparent 70%); border-radius: 0 8px 8px 0; }
.about img.headshot { transition: transform .25s ease; }
.about img.headshot:hover { transform: scale(1.015); }

/* How it works */
.how { background: var(--navy); }
.how .kicker { color: var(--sand); }
.how h2 { color: var(--white); }
.steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 1.75rem; margin-top: 2.25rem; }
.step { background: rgba(255, 255, 255, .06); border: 1px solid rgba(211, 196, 162, .3); border-radius: 12px; padding: 2rem 1.6rem 1.6rem; position: relative; }
.step .num {
  display: inline-flex; align-items: center; justify-content: center;
  width: 2.6rem; height: 2.6rem; border-radius: 50%;
  background: var(--sand); color: var(--navy); font-weight: 800; font-size: 1.2rem;
  margin-bottom: 1rem; font-family: Georgia, serif;
}
.step h3 { color: var(--sand); }
.step p { color: #dfe5ec; margin-bottom: 0; }

/* Carriers / independence */
.carriers { background: var(--white); }
.carriers .indie { margin-top: 2rem; }
.carriers .card { border-top: 4px solid var(--sand); }

/* CTA band */
.cta-band { background: var(--navy); color: var(--white); text-align: center; }
.cta-band h2 { color: var(--white); max-width: 28ch; margin: 0 auto .75rem; }
.cta-band p { color: #dfe5ec; max-width: 55ch; margin: 0 auto 1.5rem; }
.cta-band .btn { background: var(--sand); border-color: var(--sand); color: var(--navy) !important; }

/* Contact */
.contact .grid-4 { grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }
.contact .card a { font-weight: 700; text-decoration: none; word-break: break-word; overflow-wrap: anywhere; }
.contact .card p { margin-bottom: .35rem; }

/* Footer */
footer.site { background: #1b2a3a; color: #b9c3cf; font-size: .9rem; padding: 3rem 0 2rem; }
footer.site a { color: var(--sand); text-decoration: none; }
footer.site .cols { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 2rem; margin-bottom: 2rem; }
footer.site h4 { color: var(--white); font-size: .95rem; margin-bottom: .6rem; }
footer.site ul { list-style: none; }
footer.site li { margin-bottom: .35rem; }
footer.site .legal { border-top: 1px solid #32455c; padding-top: 1.5rem; font-size: .8rem; line-height: 1.6; color: #93a1b1; }
footer.site .legal p { margin-bottom: .8rem; }

/* Inner pages */
.page-head { background: var(--navy); color: var(--white); padding: 3.5rem 0; }
.page-head h1 { color: var(--white); }
.page-body { padding: 3rem 0 4rem; max-width: 800px; }
.page-body h2 { margin-top: 2rem; font-size: 1.35rem; }
.page-body .updated { color: var(--ink-soft); font-size: .9rem; margin-bottom: 1.5rem; }

/* Schedule page */
.sched-cols { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 2rem; margin-top: 2rem; }

@media (max-width: 720px) {
  .about .cols { grid-template-columns: 1fr; }
  .about img.headshot { max-width: 260px; }
  header.site .wrap { flex-direction: column; gap: .5rem; }
  section { padding: 3rem 0; }
}