/* PMG Financial Clarity - mobile-first */
:root {
  --ink: #14233b;
  --ink-2: #1d3252;
  --paper: #f6f4ee;
  --white: #ffffff;
  --teal: #2b7a78;
  --teal-dark: #1f5e5c;
  --teal-soft: #dcebe9;
  --muted: #566178;
  --line: #d9d5ca;
  --serif: "Newsreader", Georgia, "Times New Roman", serif;
  --sans: "Public Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --gutter: 20px;
  --max: 1160px;
}
*, *::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); }
img { max-width: 100%; display: block; }
a { color: inherit; }
h1, h2, h3 { font-family: var(--serif); font-weight: 500; line-height: 1.12; letter-spacing: -0.01em; margin: 0 0 .5em; text-wrap: balance; }
p, li, dd, blockquote { text-wrap: pretty; }
p { margin: 0 0 1em; }
.nw { white-space: nowrap; }
.wrap { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 var(--gutter); }
.skip { position: absolute; left: -999px; top: 0; background: var(--ink); color: #fff; padding: 10px 16px; z-index: 100; }
.skip:focus { left: 0; }
:focus-visible { outline: 3px solid var(--teal); outline-offset: 3px; }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; font: 600 16px/1 var(--sans); text-decoration: none; padding: 16px 26px; border-radius: 2px; border: 2px solid transparent; cursor: pointer; transition: background .15s, color .15s, border-color .15s; }
.btn-solid { background: var(--teal); color: #fff; }
.btn-solid:hover { background: var(--teal-dark); }
.btn-ghost { border-color: rgba(255,255,255,.7); color: #fff; }
.btn-ghost:hover { background: #fff; color: var(--ink); }
.btn-ink { background: var(--ink); color: #fff; }
.btn-ink:hover { background: var(--ink-2); }
.btn-line { border-color: var(--ink); color: var(--ink); }
.btn-line:hover { background: var(--ink); color: #fff; }

/* Header */
.site-head { position: sticky; top: 0; z-index: 50; background: var(--white); border-bottom: 1px solid var(--line); }
.head-in { display: flex; align-items: center; justify-content: space-between; min-height: 72px; gap: 16px; }
.logo img { height: 52px; width: auto; }
.nav { display: none; }
.nav a { text-decoration: none; font-weight: 500; font-size: 16px; padding: 8px 2px; border-bottom: 2px solid transparent; }
.nav a:hover, .nav a[aria-current="page"] { border-bottom-color: var(--teal); }
.head-call { display: none; }
.menu-btn { background: none; border: 1px solid var(--line); border-radius: 2px; width: 46px; height: 46px; display: grid; place-items: center; cursor: pointer; color: var(--ink); }
.menu-btn svg { width: 22px; height: 22px; }
.site-head.open .nav { display: flex; flex-direction: column; position: absolute; left: 0; right: 0; top: 100%; background: var(--white); border-bottom: 1px solid var(--line); padding: 8px var(--gutter) 20px; }
.site-head.open .nav a { padding: 14px 0; border-bottom: 1px solid var(--line); font-size: 18px; }
.site-head.open .head-call { display: inline-flex; margin-top: 16px; }
.site-head.open .nav .head-call { color: #fff; border-bottom: 0; }

/* Hero (home) */
.hero { position: relative; color: #fff; min-height: min(78vh, 680px); display: flex; align-items: flex-end; background: var(--ink); overflow: hidden; }
.hero > img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: 50% 45%; }
.hero::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(20,35,59,.35) 0%, rgba(20,35,59,.78) 62%, rgba(20,35,59,.92) 100%); }
.hero-in { position: relative; z-index: 1; padding-top: 96px; padding-bottom: 56px; }
.hero h1 { font-size: clamp(2.7rem, 9vw, 5.6rem); max-width: 14ch; margin-bottom: .35em; }
.hero p { font-size: clamp(1.05rem, 2.4vw, 1.3rem); max-width: 34em; color: rgba(255,255,255,.92); margin-bottom: 1.6em; }
.hero-cta { display: flex; flex-direction: column; gap: 12px; max-width: 360px; }

/* Sections */
.sec { padding: 72px 0; }
.sec-white { background: var(--white); }
.sec-ink { background: var(--ink); color: #fff; }
.sec h2 { font-size: clamp(1.9rem, 5vw, 3rem); }
.lede { font-size: 1.2rem; color: var(--muted); max-width: 40em; }

/* Intro statement */
.intro { display: grid; gap: 28px; }
.intro h2 { font-size: clamp(2rem, 5.4vw, 3.4rem); max-width: 16ch; margin: 0; }
.intro-body p { font-size: 1.1rem; color: var(--muted); }
.intro-body p:first-child { color: var(--ink); font-size: 1.25rem; }

/* Indexed service rows */
.index { margin-top: 36px; border-top: 1px solid var(--ink); }
.row { display: grid; grid-template-columns: 44px 1fr; gap: 4px 12px; padding: 24px 0; border-bottom: 1px solid var(--line); text-decoration: none; align-items: baseline; }
.row .ic { color: var(--teal); align-self: start; padding-top: 3px; }
.row .ic svg { width: 26px; height: 26px; display: block; fill: none; stroke: currentColor; stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round; }
.row .desc { grid-column: 2; }
.row .desc p { margin: 0; color: var(--muted); }
.row .who { display: block; margin-top: 6px; font-size: .85rem; color: var(--muted); }
.row h3 { font-size: 1.55rem; margin: 0 0 .25em; grid-column: 2; }
.row p { margin: 0; color: var(--muted); grid-column: 2; }
.row .go { display: none; }
.row:hover h3 { color: var(--teal-dark); }
.row:hover .go { color: var(--teal); }

/* Who we help */
.help-grid { display: grid; gap: 40px; margin-top: 32px; }
.help img { width: 100%; height: 260px; object-fit: cover; border-radius: 2px; }
.help div { padding: 18px 0 0; }
.help h3 { font-size: 1.6rem; margin: 0 0 .35em; }
.help p { color: var(--muted); margin: 0; }

/* Through the year */
.year { display: grid; gap: 32px; }
.year h2 { max-width: 12ch; }
.year-list { margin: 0; padding: 0; list-style: none; border-top: 1px solid rgba(255,255,255,.3); }
.year-list li { display: grid; gap: 4px; padding: 22px 0; border-bottom: 1px solid rgba(255,255,255,.3); }
.year-list strong { font-family: var(--serif); font-weight: 500; font-size: 1.5rem; }
.year-list span { color: rgba(255,255,255,.8); }
.sec-tint { background: #e5f0ee; }
.sec-tint .year-list { border-top-color: rgba(20,35,59,.25); }
.sec-tint .year-list li { border-bottom-color: rgba(20,35,59,.25); }
.sec-tint .year-list span { color: var(--muted); }

/* Testimonials */
.quotes { display: grid; gap: 20px; margin-top: 32px; }
.quote { background: var(--white); border-left: 4px solid var(--teal); padding: 28px 26px; margin: 0; }
.quote p { font-family: var(--serif); font-size: 1.4rem; line-height: 1.4; margin-bottom: 1em; }
.quote footer { color: var(--muted); font-size: .95rem; }

/* Call band */
.call-band { text-align: left; }
.call-band h2 { max-width: 18ch; }
.call-num { display: block; font-family: var(--serif); font-size: clamp(2.4rem, 11vw, 5.4rem); line-height: 1; text-decoration: none; color: #fff; margin: .2em 0 .3em; letter-spacing: -0.01em; }
.call-num:hover { color: var(--teal-soft); }
.call-band p { color: rgba(255,255,255,.85); }
.call-band a.mail { color: #fff; }

/* Inner page head */
.page-head { background: var(--white); border-bottom: 1px solid var(--line); padding: 56px 0 48px; }
.page-head h1 { font-size: clamp(2.4rem, 7vw, 4.2rem); margin-bottom: .3em; }
.page-head .lede { margin: 0; }

/* Services page */
.svc-layout { display: grid; gap: 32px; }
.svc-nav { display: none; }
.svc { padding: 40px 0; border-bottom: 1px solid var(--line); scroll-margin-top: 96px; }
.svc:first-child { padding-top: 0; }
.svc:last-child { border-bottom: 0; }
.svc h2 { font-size: clamp(1.8rem, 4.5vw, 2.4rem); }
.svc .no { font-family: var(--serif); color: var(--teal); font-size: 1.3rem; display: block; margin-bottom: 4px; }
.ticks { list-style: none; padding: 0; margin: 18px 0 0; display: grid; gap: 10px; }
.ticks li { position: relative; padding-left: 28px; }
.ticks li::before { content: ""; position: absolute; left: 2px; top: .55em; width: 12px; height: 7px; border-left: 2px solid var(--teal); border-bottom: 2px solid var(--teal); transform: rotate(-45deg); }
.svc-photo { margin: 28px 0 0; }
.svc-photo img { width: 100%; height: 220px; object-fit: cover; }

/* About */
.about-grid { display: grid; gap: 40px; }
.about-grid h2 { font-size: clamp(1.8rem, 4.5vw, 2.6rem); }
.cred { background: var(--white); border: 1px solid var(--line); padding: 28px 26px; }
.cred h3 { font-size: 1.4rem; }
.cred dl { margin: 0; }
.cred dt { font-weight: 600; margin-top: 18px; }
.cred dd { margin: 2px 0 0; color: var(--muted); }
.cred dt:first-of-type { margin-top: 0; }
.sec.sec-quote { padding: 56px 0; }
.pull { font-family: var(--serif); font-size: clamp(2rem, 6vw, 3.6rem); line-height: 1.12; max-width: 20ch; margin: 0; }
.band-img { height: 300px; }
.band-img img { width: 100%; height: 100%; object-fit: cover; }
.values { display: grid; gap: 28px; margin-top: 32px; }
.values h3 { font-size: 1.5rem; border-top: 2px solid var(--teal); padding-top: 14px; }
.values p { color: var(--muted); margin: 0; }

/* Contact */
.contact-grid { display: grid; gap: 40px; }
.contact-list { list-style: none; margin: 24px 0 0; padding: 0; border-top: 1px solid var(--ink); }
.contact-list li { padding: 18px 0; border-bottom: 1px solid var(--line); }
.contact-list small { display: block; color: var(--muted); font-size: .9rem; }
.contact-list a { font-family: var(--serif); font-size: 1.6rem; text-decoration: none; overflow-wrap: anywhere; }
.contact-list a:hover { color: var(--teal-dark); }
.contact-list .plain { font-family: var(--serif); font-size: 1.6rem; display: block; }
.contact-list a.dir { font-family: var(--sans); font-size: .95rem; text-decoration: underline; display: inline-block; margin-top: 4px; }
form.quote-form { background: var(--white); border: 1px solid var(--line); padding: 28px 24px; display: grid; gap: 18px; }
form label { display: grid; gap: 6px; font-weight: 600; font-size: .95rem; }
form input, form select, form textarea { font: inherit; font-weight: 400; padding: 13px 14px; border: 1px solid #b9b4a6; border-radius: 2px; background: #fff; color: var(--ink); width: 100%; }
form textarea { min-height: 140px; resize: vertical; }
form .hp { position: absolute; left: -9999px; }
.form-note { font-size: .9rem; color: var(--muted); margin: 0; }
.form-msg { padding: 14px 16px; border-left: 4px solid var(--teal); background: var(--teal-soft); display: none; }
.form-msg.err { border-color: #a33; background: #f6dcdc; }

/* Footer */
.site-foot { background: var(--white); border-top: 1px solid var(--line); padding: 56px 0 32px; font-size: .95rem; }
.foot-grid { display: grid; gap: 32px; }
.foot-logo img { height: 56px; width: auto; margin-bottom: 16px; }
.site-foot h2 { font-family: var(--sans); font-size: .85rem; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); margin: 0 0 12px; font-weight: 600; }
.site-foot ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.site-foot a { text-decoration: none; }
.site-foot a:hover { color: var(--teal-dark); text-decoration: underline; }
.site-foot p { margin: 0 0 .5em; color: var(--muted); }
.foot-base { margin-top: 40px; padding-top: 20px; border-top: 1px solid var(--line); display: flex; flex-direction: column; gap: 6px; color: var(--muted); font-size: .88rem; }

.photo-credit { margin: 14px 0 0; font-size: .78rem; color: var(--muted); }
.photo-credit a { text-decoration: underline; }

/* 404 */
.nf { padding: 120px 0; text-align: left; }
.nf h1 { font-size: clamp(3rem, 12vw, 6rem); }

/* Tablet */
@media (min-width: 720px) {
  :root { --gutter: 32px; }
  .sec { padding: 104px 0; }
  .hero-cta { flex-direction: row; max-width: none; }
  .intro { grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }
  .row { grid-template-columns: 64px 1fr 1.3fr 32px; gap: 24px; padding: 30px 0; align-items: baseline; }
  .row h3 { margin: 0; grid-column: auto; }
  .row p { grid-column: auto; }
  .row .desc { grid-column: auto; }
  .row .go { display: block; font-size: 1.4rem; text-align: right; }
  .help-grid { grid-template-columns: repeat(6, 1fr); }
  .help { grid-column: span 2; }
  .help.wide { grid-column: span 3; }
  .help img { height: 440px; }
  .help.wide img { height: 380px; }
  .year { grid-template-columns: 1fr 1.4fr; gap: 64px; }
  .year-list li { grid-template-columns: 250px 1fr; gap: 24px; align-items: baseline; }
  .quotes { grid-template-columns: 1fr 1fr; }
  .values { grid-template-columns: repeat(3, 1fr); gap: 32px; }
  .band-img { height: 420px; }
  .svc-photo img { height: 340px; }
  .about-grid { grid-template-columns: 1.4fr 1fr; gap: 64px; align-items: start; }
  .contact-grid { grid-template-columns: 1fr 1.1fr; gap: 64px; align-items: start; }
  form.quote-form { padding: 36px; }
  .foot-grid { grid-template-columns: 1.5fr 1fr 1fr; gap: 48px; }
  .foot-base { flex-direction: row; justify-content: space-between; }
  .page-head { padding: 80px 0 64px; }
}

/* Desktop */
@media (min-width: 980px) {
  .menu-btn { display: none; }
  .nav { display: flex; gap: 32px; align-items: center; margin-left: auto; margin-right: 28px; }
  .head-call { display: inline-flex; padding: 13px 22px; }
  .hero { min-height: min(84vh, 760px); }
  .hero::after { background: linear-gradient(90deg, rgba(20,35,59,.9) 0%, rgba(20,35,59,.68) 42%, rgba(20,35,59,.12) 100%); }
  .hero-in { padding-bottom: 96px; }
  .svc-layout { grid-template-columns: 240px 1fr; gap: 80px; align-items: start; }
  .svc-nav { display: block; position: sticky; top: 112px; }
  .svc-nav ol { list-style: none; margin: 0; padding: 0; border-top: 1px solid var(--ink); }
  .svc-nav a { display: grid; grid-template-columns: 34px 1fr; padding: 13px 0; border-bottom: 1px solid var(--line); text-decoration: none; font-size: .98rem; line-height: 1.35; }
  .svc-nav a span { color: var(--teal); font-family: var(--serif); }
  .svc-nav a:hover { color: var(--teal-dark); }
}

@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } .btn { transition: none; } }