/* =====================================================================
   PINE HARBOR WEALTH MANAGEMENT — design system
   Palette: deep pine + harbor navy + restrained brass
   Type: Spectral (display) · Public Sans (body) · IBM Plex Mono (data)
   Signature: bathymetric / topographic depth-contour lines
   ===================================================================== */

:root {
  /* Deep water (navy) */
  --navy:#0C2839; --navy-900:#081B27; --surface:#123247; --surface-2:#16384F;
  --line:#21465C; --line-soft:rgba(33,70,92,0.55);
  /* Chart paper (light reading ground) */
  --paper:#EEF2F1; --paper-2:#E3EAE8; --paper-line:#CBD8D6; --ink:#0C2839; --ink-dim:#4A6573;
  /* Type colors on navy */
  --text:#EAF0F2; --text-dim:#90A7B4; --text-mute:#5E7A8A;
  /* Accents */
  --brass:#C9A24B; --brass-2:#D9B465; --brass-soft:rgba(201,162,75,0.14);
  --pine:#3C8C66; --pine-deep:#1C4634; --pine-soft:rgba(60,140,102,0.14);
  --rust:#D98A6A;
  /* System */
  --maxw:1160px; --radius:14px;
  --ff-display:'Spectral',Georgia,serif;
  --ff-body:'Public Sans',system-ui,-apple-system,sans-serif;
  --ff-mono:'IBM Plex Mono',ui-monospace,monospace;
}

* { margin:0; padding:0; box-sizing:border-box; }
html { scroll-behavior:smooth; -webkit-text-size-adjust:100%; }
body {
  font-family:var(--ff-body); background:var(--navy); color:var(--text);
  line-height:1.6; font-size:17px; -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img { max-width:100%; display:block; }
a { color:inherit; }
::selection { background:var(--brass); color:var(--navy); }

.container { max-width:var(--maxw); margin:0 auto; padding:0 1.5rem; }

/* ---- Eyebrow / mono label ---- */
.eyebrow {
  font-family:var(--ff-mono); font-size:0.72rem; font-weight:500;
  letter-spacing:0.22em; text-transform:uppercase; color:var(--brass);
  display:inline-flex; align-items:center; gap:0.7rem;
}
.eyebrow::before { content:''; width:30px; height:1px; background:var(--brass); }
.section--paper .eyebrow { color:var(--pine); }
.section--paper .eyebrow::before { background:var(--pine); }

/* ---- Headings ---- */
h1,h2,h3,h4 { font-family:var(--ff-display); font-weight:500; line-height:1.12; letter-spacing:-0.01em; }
h2.section-title { font-size:clamp(1.9rem,3.8vw,2.7rem); margin-top:0.9rem; }
.lead { font-size:clamp(1.05rem,2vw,1.2rem); color:var(--text-dim); max-width:62ch; }
.section--paper .lead { color:var(--ink-dim); }

/* ---- Buttons ---- */
.btn {
  display:inline-flex; align-items:center; gap:8px; padding:0.72rem 1.35rem;
  font-family:var(--ff-body); font-size:0.86rem; font-weight:600; border-radius:8px;
  border:1px solid var(--line); background:transparent; color:var(--text);
  cursor:pointer; text-decoration:none; transition:background .18s,border-color .18s,color .18s,transform .18s;
}
.btn:hover { border-color:var(--brass); background:var(--brass-soft); }
.btn:focus-visible { outline:2px solid var(--brass); outline-offset:3px; }
.btn--primary { background:var(--brass); border-color:var(--brass); color:var(--navy-900); font-weight:700; }
.btn--primary:hover { background:var(--brass-2); border-color:var(--brass-2); }
.btn--lg { padding:0.9rem 1.7rem; font-size:0.95rem; }
.section--paper .btn { color:var(--ink); border-color:var(--paper-line); }
.section--paper .btn:hover { border-color:var(--pine); background:var(--pine-soft); }
.section--paper .btn--primary { background:var(--navy); border-color:var(--navy); color:#fff; }
.section--paper .btn--primary:hover { background:#16384F; }

/* ---- Header ---- */
.site-header {
  position:sticky; top:0; z-index:50; background:rgba(12,40,57,0.86);
  backdrop-filter:blur(10px); border-bottom:1px solid var(--line);
}
.site-header .container { display:flex; align-items:center; justify-content:space-between; height:72px; }
.brand { display:flex; align-items:center; gap:12px; text-decoration:none; color:var(--text); }
.brand-logo { height:40px; width:auto; display:block; }
.site-footer .brand-logo { height:36px; }
.brand-mark { width:30px; height:30px; flex-shrink:0; }
.brand-name { font-family:var(--ff-display); font-size:1.18rem; letter-spacing:0.02em; line-height:1; }
.brand-name b { font-weight:600; }
.brand-name span { display:block; font-family:var(--ff-mono); font-size:0.56rem; letter-spacing:0.34em; text-transform:uppercase; color:var(--text-mute); margin-top:3px; }
.nav { display:flex; align-items:center; gap:1.4rem; }
.nav a { font-size:0.9rem; text-decoration:none; color:var(--text-dim); transition:color .15s; }
.nav a:hover, .nav a[aria-current="page"] { color:var(--text); }
.nav .btn { padding:0.5rem 1.05rem; }
.nav a.btn--primary, .nav a.btn--primary:hover { color:var(--navy-900); }
.nav-toggle { display:none; background:none; border:1px solid var(--line); border-radius:7px; padding:8px 10px; cursor:pointer; }
.nav-toggle span { display:block; width:18px; height:2px; background:var(--text); margin:3px 0; }
@media(max-width:880px){
  .nav { position:fixed; inset:72px 0 auto 0; flex-direction:column; align-items:stretch; gap:0;
    background:var(--navy-900); border-bottom:1px solid var(--line); padding:0.5rem 1.5rem 1.5rem; display:none; }
  .nav.open { display:flex; }
  .nav a { padding:0.85rem 0; border-bottom:1px solid var(--line); }
  .nav .btn { margin-top:1rem; justify-content:center; }
  .nav-toggle { display:block; }
}

/* ---- Hero ---- */
.hero { position:relative; overflow:hidden; background:var(--navy); }
.hero-bg { position:absolute; inset:0; background-size:cover; background-position:center 30%; z-index:0; }
.hero-bg::after { content:''; position:absolute; inset:0; background:
  linear-gradient(90deg, rgba(8,27,39,0.95) 0%, rgba(8,27,39,0.82) 42%, rgba(8,27,39,0.45) 74%, rgba(8,27,39,0.55) 100%),
  linear-gradient(180deg, transparent 45%, rgba(8,27,39,0.55) 100%); }
.hero-contours { position:absolute; inset:0; width:100%; height:100%; pointer-events:none; z-index:1; }
.hero .container { position:relative; z-index:2; padding-top:clamp(4rem,9vw,7rem); padding-bottom:clamp(4rem,9vw,7rem); }
.hero h1 { font-size:clamp(2.6rem,6.5vw,4.6rem); max-width:15ch; margin:1.3rem 0; }
.hero h1 em { font-style:italic; color:var(--brass); }
.hero .lead { font-size:clamp(1.1rem,2.2vw,1.32rem); max-width:54ch; }
.hero-actions { display:flex; gap:0.9rem; margin-top:2.2rem; flex-wrap:wrap; }
.trust { display:flex; gap:0 2.2rem; flex-wrap:wrap; margin-top:3rem; padding-top:1.6rem; border-top:1px solid var(--line); }
.trust span { font-family:var(--ff-mono); font-size:0.74rem; letter-spacing:0.12em; text-transform:uppercase; color:var(--text-dim); display:flex; align-items:center; gap:0.55rem; }
.trust span::before { content:''; width:6px; height:6px; border-radius:50%; background:var(--pine); }

/* ---- Sections ---- */
.section { padding:clamp(3.5rem,8vw,6rem) 0; position:relative; }
.section--paper { background:var(--paper); color:var(--ink); }
.section--paper h2, .section--paper h3 { color:var(--ink); }
.section--surface { background:var(--navy-900); }
.section-head { max-width:64ch; margin-bottom:2.6rem; }

/* contour divider (topographic hairlines) */
.contour-rule { height:30px; background-repeat:repeat-x; background-position:center; opacity:0.8;
  background-image:
    linear-gradient(transparent 14px,var(--line) 14px,var(--line) 15px,transparent 15px),
    linear-gradient(transparent 21px,var(--line-soft) 21px,var(--line-soft) 22px,transparent 22px),
    linear-gradient(transparent 8px,var(--line-soft) 8px,var(--line-soft) 9px,transparent 9px); }

/* ---- Services (editorial rows, depth-sounding markers) ---- */
.services { display:grid; gap:0; }
.service {
  display:grid; grid-template-columns:auto 1fr auto; gap:1.6rem; align-items:baseline;
  padding:1.9rem 0; border-top:1px solid var(--paper-line); text-decoration:none; color:inherit;
  transition:padding-left .2s;
}
.service:last-child { border-bottom:1px solid var(--paper-line); }
.service:hover { padding-left:0.6rem; }
.service-depth { font-family:var(--ff-mono); font-size:0.78rem; color:var(--pine); letter-spacing:0.05em; padding-top:0.45rem; }
.service h3 { font-size:1.5rem; }
.service p { color:var(--ink-dim); font-size:0.98rem; margin-top:0.45rem; max-width:60ch; }
.service-go { font-family:var(--ff-mono); font-size:0.78rem; color:var(--ink-dim); white-space:nowrap; padding-top:0.45rem; transition:color .15s,transform .15s; }
.service:hover .service-go { color:var(--pine); }
@media(max-width:720px){ .service{ grid-template-columns:auto 1fr; } .service-go{ display:none; } }

/* ---- Approach / feature blocks ---- */
.features { display:grid; grid-template-columns:repeat(auto-fit,minmax(250px,1fr)); gap:1.6rem; }
.feature { padding:1.6rem; background:var(--surface); border:1px solid var(--line); border-radius:var(--radius); }
.section--paper .feature { background:#fff; border-color:var(--paper-line); }
.feature .fnum { font-family:var(--ff-mono); font-size:0.74rem; color:var(--brass); letter-spacing:0.1em; }
.section--paper .feature .fnum { color:var(--pine); }
.feature h3 { font-size:1.2rem; margin:0.7rem 0 0.5rem; }
.feature p { font-size:0.92rem; color:var(--text-dim); }
.section--paper .feature p { color:var(--ink-dim); }

/* ---- Pricing / fee table ---- */
.fee-card { background:var(--surface); border:1px solid var(--line); border-radius:var(--radius); overflow:hidden; max-width:560px; }
.fee-row { display:flex; justify-content:space-between; align-items:baseline; padding:1.05rem 1.5rem; border-bottom:1px solid var(--line); }
.fee-row:last-child { border-bottom:none; }
.fee-band { font-size:0.98rem; color:var(--text); }
.fee-band small { display:block; font-family:var(--ff-mono); font-size:0.68rem; color:var(--text-mute); letter-spacing:0.08em; text-transform:uppercase; margin-top:2px; }
.fee-rate { font-family:var(--ff-mono); font-size:1.3rem; font-weight:500; color:var(--brass); }
.fee-rate.free { color:var(--pine); }

/* ---- Tools cards ---- */
.tools-grid { display:grid; grid-template-columns:repeat(auto-fit,minmax(260px,1fr)); gap:1.2rem; }
.tool-card {
  position:relative; padding:1.7rem; background:var(--surface); border:1px solid var(--line);
  border-radius:var(--radius); text-decoration:none; color:var(--text); overflow:hidden;
  transition:border-color .18s,transform .18s;
}
.tool-card:hover { border-color:var(--brass); transform:translateY(-3px); }
.tool-card .eyebrow { font-size:0.66rem; }
.tool-card h3 { font-size:1.3rem; margin:0.9rem 0 0.4rem; }
.tool-card p { font-size:0.9rem; color:var(--text-dim); }
.tool-card .arrow { margin-top:1.1rem; font-family:var(--ff-mono); font-size:0.8rem; color:var(--brass); }

/* ---- CTA band ---- */
.cta-band { background:linear-gradient(135deg,var(--pine-deep),var(--surface)); }
.cta-band .container { display:flex; align-items:center; justify-content:space-between; gap:2rem; flex-wrap:wrap; padding-top:3rem; padding-bottom:3rem; }
.cta-band h2 { font-size:clamp(1.7rem,3.5vw,2.4rem); max-width:20ch; }
.cta-band p { color:var(--text-dim); margin-top:0.5rem; max-width:44ch; }

/* ---- Footer ---- */
.site-footer { background:var(--navy-900); border-top:1px solid var(--line); padding:3.5rem 0 2rem; font-size:0.9rem; }
.footer-top { display:grid; grid-template-columns:1.4fr 1fr 1fr; gap:2.5rem; }
.footer-top h4 { font-family:var(--ff-mono); font-weight:500; font-size:0.7rem; letter-spacing:0.16em; text-transform:uppercase; color:var(--text-mute); margin-bottom:1.1rem; }
.footer-col a, .footer-col p { color:var(--text-dim); text-decoration:none; display:block; margin-bottom:0.55rem; line-height:1.5; }
.footer-col a:hover { color:var(--text); }
.footer-brand .brand { margin-bottom:1rem; }
.footer-brand p { color:var(--text-dim); max-width:34ch; }
.footer-legal { margin-top:2.5rem; padding-top:1.5rem; border-top:1px solid var(--line); }
.footer-legal p { font-size:0.76rem; color:var(--text-mute); line-height:1.6; max-width:none; margin-bottom:0.7rem; }
.footer-meta { display:flex; justify-content:space-between; flex-wrap:wrap; gap:1rem; font-family:var(--ff-mono); font-size:0.72rem; color:var(--text-mute); letter-spacing:0.04em; }
@media(max-width:760px){ .footer-top{ grid-template-columns:1fr 1fr; } .footer-brand{ grid-column:1/-1; } }

@media (prefers-reduced-motion: reduce){ html{ scroll-behavior:auto; } *{ transition:none!important; animation:none!important; } }

/* ---- Inner page hero ---- */
.page-hero { position:relative; overflow:hidden; background:var(--navy-900); border-bottom:1px solid var(--line); }
.page-hero .container { position:relative; z-index:2; padding:clamp(3rem,7vw,5rem) 1.5rem clamp(2.5rem,5vw,3.5rem); }
.page-hero h1 { font-size:clamp(2.2rem,5vw,3.4rem); margin:1rem 0 0.8rem; max-width:18ch; }
.page-hero .lead { max-width:58ch; }
.page-hero .hero-contours { z-index:1; opacity:0.7; }

/* ---- Founder note ---- */
.founder { display:grid; grid-template-columns:300px 1fr; gap:2.5rem; align-items:start; }
.founder img { border-radius:var(--radius); width:100%; aspect-ratio:4/5; object-fit:cover; border:1px solid var(--line); }
.founder .quote { font-family:var(--ff-display); font-size:clamp(1.4rem,2.6vw,1.9rem); line-height:1.3; }
.founder p { color:var(--ink-dim); margin-top:1rem; }
.section--paper .founder p { color:var(--ink-dim); }
.signoff { font-family:var(--ff-mono); font-size:0.78rem; letter-spacing:0.08em; text-transform:uppercase; color:var(--pine); margin-top:1.3rem; }
@media(max-width:680px){ .founder{ grid-template-columns:1fr; gap:1.4rem; } .founder img{ max-width:240px; } }
.founder-extra { margin-top:1.7rem; max-width:430px; }
.founder-extra img { width:100%; border-radius:var(--radius); border:1px solid var(--paper-line); aspect-ratio:auto; }
.founder-extra figcaption { font-family:var(--ff-mono); font-size:0.72rem; letter-spacing:0.06em; color:var(--ink-dim); margin-top:0.55rem; }

/* ---- Team ---- */
.team { display:grid; grid-template-columns:repeat(auto-fit,minmax(280px,1fr)); gap:1.6rem; }
.profile { background:var(--surface); border:1px solid var(--line); border-radius:var(--radius); overflow:hidden; }
.profile .photo { aspect-ratio:1/1; background:var(--surface-2); background-size:cover; background-position:center; position:relative; }
.profile .photo.placeholder { display:flex; align-items:center; justify-content:center; }
.profile .photo.placeholder span { font-family:var(--ff-mono); font-size:0.74rem; color:var(--text-mute); letter-spacing:0.08em; text-align:center; padding:1rem; }
.profile .body { padding:1.3rem 1.4rem 1.5rem; }
.profile h3 { font-size:1.3rem; }
.profile .role { font-family:var(--ff-mono); font-size:0.72rem; letter-spacing:0.1em; text-transform:uppercase; color:var(--brass); margin:0.45rem 0 0.8rem; }
.profile .email { font-size:0.88rem; color:var(--text-dim); text-decoration:none; border-bottom:1px solid var(--line); }
.profile .email:hover { color:var(--text); border-color:var(--brass); }

/* ---- Split feature (image + text) ---- */
.split { display:grid; grid-template-columns:1fr 1fr; gap:2.5rem; align-items:center; }
.split img { width:100%; border-radius:var(--radius); aspect-ratio:4/3; object-fit:cover; border:1px solid var(--line); }
.split.flip .split-media { order:2; }
@media(max-width:760px){ .split{ grid-template-columns:1fr; gap:1.4rem; } .split.flip .split-media{ order:0; } }

/* ---- Contact ---- */
.contact-grid { display:grid; grid-template-columns:1.05fr 0.95fr; gap:3rem; align-items:start; }
@media(max-width:820px){ .contact-grid{ grid-template-columns:1fr; gap:2rem; } }
.field { margin-bottom:1.1rem; }
.field label { display:block; font-family:var(--ff-mono); font-size:0.7rem; letter-spacing:0.1em; text-transform:uppercase; color:var(--text-dim); margin-bottom:0.4rem; }
.field input, .field textarea {
  width:100%; background:var(--surface-2); border:1px solid var(--line); border-radius:8px;
  color:var(--text); font-family:var(--ff-body); font-size:0.98rem; padding:0.7rem 0.85rem; outline:none; transition:border-color .18s;
}
.field input:focus, .field textarea:focus { border-color:var(--brass); }
.field textarea { resize:vertical; min-height:130px; }
.hp { position:absolute; left:-9999px; }
.form-status { margin-top:0.5rem; font-size:0.9rem; }
.form-status.ok { color:var(--pine); } .form-status.err { color:var(--rust); }
.contact-detail h4 { font-family:var(--ff-mono); font-weight:500; font-size:0.7rem; letter-spacing:0.16em; text-transform:uppercase; color:var(--text-mute); margin:1.5rem 0 0.5rem; }
.contact-detail a, .contact-detail p { color:var(--text-dim); text-decoration:none; line-height:1.6; }
.contact-detail a:hover { color:var(--text); }
.calendly-inline-widget { border:1px solid var(--line); border-radius:var(--radius); overflow:hidden; background:var(--surface); }

/* ---- Reference tables (Resources) ---- */
.table-wrap { overflow-x:auto; border:1px solid var(--line); border-radius:var(--radius); margin-top:1.2rem; }
.section--paper .table-wrap { border-color:var(--paper-line); }
.rtable { width:100%; border-collapse:collapse; font-size:0.9rem; min-width:560px; }
.rtable th, .rtable td { padding:0.72rem 0.95rem; text-align:left; border-bottom:1px solid var(--line); }
.section--paper .rtable th, .section--paper .rtable td { border-bottom-color:var(--paper-line); }
.rtable thead th { font-family:var(--ff-mono); font-size:0.68rem; letter-spacing:0.08em; text-transform:uppercase; color:var(--text-mute); background:var(--surface); }
.section--paper .rtable thead th { color:var(--ink-dim); background:rgba(12,40,57,0.045); }
.rtable td.num, .rtable th.num { text-align:right; font-variant-numeric:tabular-nums; }
.rtable tbody tr:last-child td { border-bottom:none; }
.rtable .rate { font-family:var(--ff-mono); color:var(--brass); font-weight:600; }
.section--paper .rtable .rate { color:#9A7B2A; }
.ref-note { margin-top:0.95rem; font-size:0.8rem; color:var(--text-dim); max-width:80ch; }
.section--paper .ref-note { color:var(--ink-dim); }
.update-banner { display:flex; gap:0.7rem; align-items:flex-start; margin-top:1.5rem; padding:0.95rem 1.15rem;
  border:1px solid var(--line); border-left:3px solid var(--brass); border-radius:8px; background:var(--surface); font-size:0.87rem; color:var(--text-dim); }
.update-banner b { color:var(--text); }
.cal { list-style:none; padding:0; margin:1.3rem 0 0; }
.cal li { padding:1rem 0; border-bottom:1px solid var(--line); }
.cal li:last-child { border-bottom:none; }
.cal .date { font-family:var(--ff-mono); color:var(--brass); font-size:0.98rem; font-weight:600; }
.cal ul { margin:0.55rem 0 0; padding-left:1.15rem; color:var(--text-dim); }
.cal ul li { padding:0.25rem 0; border:none; }
.res-jump { display:flex; flex-wrap:wrap; gap:0.6rem; margin-top:1.6rem; }
.res-jump a { font-family:var(--ff-mono); font-size:0.78rem; letter-spacing:0.04em; text-decoration:none;
  color:var(--text-dim); border:1px solid var(--line); border-radius:20px; padding:0.4rem 0.9rem; transition:all .15s; }
.res-jump a:hover { color:var(--navy-900); background:var(--brass); border-color:var(--brass); }

/* ---- Insights / articles ---- */
.article { max-width:720px; margin:0 auto; }
.article-meta { font-family:var(--ff-mono); font-size:0.78rem; letter-spacing:0.05em; text-transform:uppercase; color:var(--text-mute); margin-bottom:1.4rem; display:flex; gap:0.9rem; flex-wrap:wrap; }
.article-lead { font-size:1.15rem; color:var(--text); line-height:1.7; margin-bottom:1.6rem; }
.article h2 { font-family:var(--ff-display); font-size:1.5rem; margin:2.2rem 0 0.8rem; color:var(--text); }
.article h3 { font-size:1.05rem; margin:1.6rem 0 0.5rem; color:var(--text); }
.article p { margin:0 0 1.1rem; color:var(--text-dim); line-height:1.75; }
.article ul { margin:0 0 1.2rem; padding-left:1.2rem; color:var(--text-dim); line-height:1.7; }
.article ul li { margin:0.35rem 0; }
.article strong { color:var(--text); }
.take { border:1px solid var(--line); border-left:3px solid var(--brass); border-radius:10px; background:var(--surface); padding:1.4rem 1.6rem; margin:1.9rem 0; }
.take h3 { margin-top:0; color:var(--brass); }
.take p:last-child { margin-bottom:0; }
.sources { margin-top:2.4rem; padding-top:1.4rem; border-top:1px solid var(--line); font-size:0.85rem; color:var(--text-mute); line-height:1.7; }
.sources h4 { font-family:var(--ff-mono); font-size:0.72rem; letter-spacing:0.08em; text-transform:uppercase; color:var(--text-dim); margin:0 0 0.6rem; }
.sources a { color:var(--brass); word-break:break-word; }
.back-link { display:inline-block; margin-top:2rem; font-family:var(--ff-mono); font-size:0.8rem; color:var(--text-dim); text-decoration:none; }
.back-link:hover { color:var(--brass); }
.post-list { display:grid; gap:1.2rem; margin-top:1.6rem; }
.post-card { display:block; padding:1.6rem 1.8rem; border:1px solid var(--line); border-radius:var(--radius); background:var(--surface); text-decoration:none; transition:all .15s; }
.post-card:hover { border-color:var(--brass); transform:translateY(-2px); }
.post-card .post-date { font-family:var(--ff-mono); font-size:0.74rem; letter-spacing:0.05em; text-transform:uppercase; color:var(--text-mute); }
.post-card h3 { font-family:var(--ff-display); font-size:1.3rem; margin:0.4rem 0 0.5rem; color:var(--text); }
.post-card p { margin:0; color:var(--text-dim); }

/* ---- Reference tables → stacked cards on mobile ---- */
@media(max-width:680px){
  .table-wrap{ overflow:visible; border:none; border-radius:0; margin-top:1.1rem; }
  .rtable{ display:block; min-width:0; font-size:0.95rem; }
  .rtable thead{ position:absolute; width:1px; height:1px; padding:0; margin:-1px; overflow:hidden; clip:rect(0 0 0 0); white-space:nowrap; border:0; }
  .rtable tbody{ display:block; }
  .rtable tr{ display:block; border:1px solid var(--line); border-radius:12px; padding:0.9rem 1.05rem; margin-bottom:0.85rem; background:var(--surface); }
  .section--paper .rtable tr{ border-color:var(--paper-line); background:#fff; box-shadow:0 1px 2px rgba(12,40,57,.05); }
  .rtable td{ display:flex; justify-content:space-between; align-items:baseline; gap:1.2rem; text-align:right;
    padding:0.5rem 0; border-bottom:1px solid var(--line); white-space:normal; }
  .section--paper .rtable td{ border-bottom-color:var(--paper-line); }
  .rtable td:last-child{ border-bottom:none; padding-bottom:0; }
  .rtable td::before{ content:attr(data-label); flex:1 1 auto; text-align:left; font-family:var(--ff-mono);
    font-size:0.66rem; letter-spacing:0.04em; text-transform:uppercase; color:var(--text-mute); font-weight:500; }
  .section--paper .rtable td::before{ color:var(--ink-dim); }
  /* card-header cells: tax-bracket rate + contribution row name */
  .rtable td.rate, .rtable td.rowhead{ display:block; text-align:left; padding:0 0 0.55rem; margin-bottom:0.4rem; border-bottom:1px solid var(--line); }
  .section--paper .rtable td.rate, .section--paper .rtable td.rowhead{ border-bottom-color:var(--paper-line); }
  .rtable td.rate::before, .rtable td.rowhead::before{ display:none; }
  .rtable td.rate{ font-size:1.2rem; }
  .rtable td.rowhead{ font-weight:600; font-size:1rem; color:var(--text); }
  .section--paper .rtable td.rowhead{ color:var(--ink); }
}

/* ---- Confirmation modal (contact form, etc.) ---- */
.ph-modal{position:fixed;inset:0;z-index:200;display:none;align-items:center;justify-content:center;padding:24px;background:rgba(8,27,39,0.74);backdrop-filter:blur(3px);}
.ph-modal.open{display:flex;}
.ph-modal-card{background:var(--surface);border:1px solid var(--line);border-radius:16px;max-width:440px;width:100%;padding:32px 30px;text-align:center;box-shadow:0 24px 60px rgba(0,0,0,.45);animation:phpop .18s ease-out;}
@keyframes phpop{from{transform:translateY(8px) scale(.98);opacity:0;}to{transform:none;opacity:1;}}
.ph-modal-card .check{width:54px;height:54px;border-radius:50%;background:rgba(60,140,102,.16);border:1px solid rgba(60,140,102,.55);display:flex;align-items:center;justify-content:center;margin:0 auto 16px;color:var(--pine);font-size:1.6rem;line-height:1;}
.ph-modal-card h3{font-family:var(--ff-display);font-weight:600;font-size:1.5rem;color:var(--text);}
.ph-modal-card p{color:var(--text-dim);margin-top:.6rem;font-size:.98rem;line-height:1.55;}
.ph-modal-card .btn{margin-top:1.5rem;}

/* ---- Hero: stronger, even scrim on mobile (text is full-width there) ---- */
@media(max-width:768px){
  .hero-bg::after{ background:
    linear-gradient(180deg, rgba(8,27,39,0.88) 0%, rgba(8,27,39,0.74) 48%, rgba(8,27,39,0.84) 100%); }
}