/* ============================================================
   Montgomery Risk Partners — design system
   Ink navy + warm paper + brass. Fraunces display, Archivo body.
   ============================================================ */

:root {
  --ink: #14233c;
  --ink-deep: #0d1828;
  --paper: #f6f2ea;
  --paper-dark: #efe9dd;
  --brass: #b6892f;
  --brass-bright: #d4a546;
  --slate: #28303e;
  --warm-gray: #6e6a5e;
  --line: rgba(20, 35, 60, 0.16);
  --line-light: rgba(246, 242, 234, 0.18);
  --serif: "Fraunces", "Georgia", serif;
  --sans: "Archivo", "Helvetica Neue", sans-serif;
  --maxw: 1180px;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--sans);
  color: var(--slate);
  background: var(--paper);
  font-size: 17px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

/* subtle paper grain */
body::before {
  content: "";
  position: fixed;
  inset: 0;
  pointer-events: none;
  z-index: 1000;
  opacity: 0.35;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2'/%3E%3CfeColorMatrix values='0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.04 0'/%3E%3C/filter%3E%3Crect width='160' height='160' filter='url(%23n)'/%3E%3C/svg%3E");
}

img { max-width: 100%; display: block; }
a { color: inherit; }

.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 32px; }

/* ---------- typography ---------- */
h1, h2, h3, .display {
  font-family: var(--serif);
  font-weight: 500;
  color: var(--ink);
  line-height: 1.08;
  letter-spacing: -0.015em;
}
h1 { font-size: clamp(2.6rem, 5.4vw, 4.4rem); }
h2 { font-size: clamp(2rem, 3.6vw, 3rem); }
h3 { font-size: 1.45rem; line-height: 1.25; }

.eyebrow {
  font-family: var(--sans);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--brass);
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 22px;
}
.eyebrow::before { content: ""; width: 36px; height: 1px; background: var(--brass); }
.eyebrow.center { justify-content: center; }
.eyebrow.center::after { content: ""; width: 36px; height: 1px; background: var(--brass); }

.lede { font-size: 1.18rem; color: var(--warm-gray); max-width: 56ch; }

.num {
  font-family: var(--serif);
  font-size: 0.95rem;
  color: var(--brass);
}

/* ---------- header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(246, 242, 234, 0.92);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}
.site-header .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}
.logo { display: flex; align-items: center; gap: 13px; text-decoration: none; }
.logo svg { flex: none; }
.logo-text { line-height: 1.1; }
.logo-name {
  font-family: var(--serif);
  font-size: 1.18rem;
  font-weight: 600;
  color: var(--ink);
  letter-spacing: 0.01em;
}
.logo-sub {
  font-size: 0.62rem;
  font-weight: 600;
  letter-spacing: 0.34em;
  text-transform: uppercase;
  color: var(--brass);
}
.nav { display: flex; align-items: center; gap: 30px; }
.nav a {
  text-decoration: none;
  font-size: 0.93rem;
  font-weight: 500;
  color: var(--slate);
  transition: color 0.2s;
}
.nav a:hover, .nav a[aria-current="page"] { color: var(--brass); }
.nav .phone { color: var(--warm-gray); font-variant-numeric: tabular-nums; }

.btn {
  display: inline-block;
  font-family: var(--sans);
  font-size: 0.93rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  text-decoration: none;
  padding: 13px 26px;
  border: 1px solid var(--ink);
  color: var(--ink);
  background: transparent;
  cursor: pointer;
  transition: all 0.25s var(--ease);
}
.btn:hover { background: var(--ink); color: var(--paper); }
.btn.solid { background: var(--ink); color: var(--paper); }
.btn.solid:hover { background: var(--brass); border-color: var(--brass); color: #fff; }
.btn.brass { background: var(--brass); border-color: var(--brass); color: #fff; }
.btn.brass:hover { background: var(--ink); border-color: var(--ink); }
.btn.ghost-light { border-color: rgba(246,242,234,0.5); color: var(--paper); }
.btn.ghost-light:hover { background: var(--paper); color: var(--ink); }

.menu-toggle { display: none; }

/* ---------- hero ---------- */
.hero {
  position: relative;
  background: var(--ink);
  color: var(--paper);
  overflow: hidden;
}
.hero-img {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  opacity: 0.34;
}
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(105deg, rgba(13,24,40,0.95) 30%, rgba(13,24,40,0.45) 75%, rgba(182,137,47,0.18));
}
.hero .wrap { position: relative; z-index: 2; padding-top: 120px; padding-bottom: 110px; }
.hero h1 { color: var(--paper); max-width: 15ch; }
.hero .lede { color: rgba(246, 242, 234, 0.78); margin: 28px 0 40px; }
.hero-ctas { display: flex; gap: 16px; flex-wrap: wrap; }
.hero-meta {
  margin-top: 70px;
  padding-top: 26px;
  border-top: 1px solid var(--line-light);
  display: flex;
  gap: 48px;
  flex-wrap: wrap;
  font-size: 0.85rem;
  color: rgba(246, 242, 234, 0.65);
  letter-spacing: 0.06em;
}
.hero-meta strong { color: var(--brass-bright); font-weight: 600; }

/* page hero (interior pages) */
.page-hero { background: var(--ink); color: var(--paper); position: relative; overflow: hidden; }
.page-hero .wrap { position: relative; z-index: 2; padding-top: 90px; padding-bottom: 80px; }
.page-hero h1 { color: var(--paper); }
.page-hero .lede { color: rgba(246,242,234,0.75); margin-top: 22px; }

/* ---------- sections ---------- */
section { padding: 96px 0; }
section.tight { padding: 64px 0; }
.section-head { max-width: 720px; margin-bottom: 60px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head h2 + p { margin-top: 18px; color: var(--warm-gray); font-size: 1.08rem; }

.dark { background: var(--ink); color: rgba(246,242,234,0.8); }
.dark h2, .dark h3 { color: var(--paper); }
.dark .lede { color: rgba(246,242,234,0.7); }
.tinted { background: var(--paper-dark); }

/* ---------- stats ---------- */
.stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border-top: 1px solid var(--line);
}
.dark .stats { border-color: var(--line-light); }
.stat { padding: 38px 28px 10px 0; border-right: 1px solid var(--line); }
.dark .stat { border-color: var(--line-light); }
.stat:last-child { border-right: none; }
.stat-n {
  font-family: var(--serif);
  font-size: clamp(2.4rem, 4vw, 3.4rem);
  color: var(--ink);
  line-height: 1;
}
.dark .stat-n { color: var(--brass-bright); }
.stat-l { margin-top: 10px; font-size: 0.88rem; color: var(--warm-gray); letter-spacing: 0.04em; }
.dark .stat-l { color: rgba(246,242,234,0.6); }

/* ---------- coverage grid ---------- */
.grid { display: grid; gap: 1px; background: var(--line); border: 1px solid var(--line); }
.grid.cols-4 { grid-template-columns: repeat(4, 1fr); }
.grid.cols-3 { grid-template-columns: repeat(3, 1fr); }
.grid.cols-2 { grid-template-columns: repeat(2, 1fr); }
.cell {
  background: var(--paper);
  padding: 36px 30px;
  text-decoration: none;
  display: block;
  transition: background 0.3s var(--ease);
  position: relative;
}
.cell:hover { background: var(--paper-dark); }
.cell .num { display: block; margin-bottom: 18px; }
.cell h3 { font-size: 1.22rem; margin-bottom: 10px; }
.cell p { font-size: 0.92rem; color: var(--warm-gray); line-height: 1.55; }
.cell .more {
  display: inline-block;
  margin-top: 16px;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--brass);
}
.cell:hover .more { text-decoration: underline; text-underline-offset: 4px; }

/* ---------- logo wall ---------- */
.logo-wall-head {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 24px;
  margin-bottom: 36px;
  flex-wrap: wrap;
}
.logo-wall-head .eyebrow { margin-bottom: 0; }
.logo-wall-head p { font-size: 0.92rem; color: var(--warm-gray); }
.logo-wall {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
}
.logo-cell {
  background: var(--paper);
  display: flex;
  align-items: center;
  justify-content: center;
  height: 112px;
  padding: 24px 20px;
}
.logo-cell img {
  max-height: 42px;
  max-width: 132px;
  width: auto;
  filter: grayscale(1);
  opacity: 0.68;
  transition: filter 0.3s var(--ease), opacity 0.3s var(--ease);
}
.logo-cell.tall img { max-height: 68px; }
.logo-cell:hover img { filter: none; opacity: 1; }

/* ---------- split layouts ---------- */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}
.split.rev > .split-img { order: 2; }
.split-img { position: relative; }
.split-img img { width: 100%; height: 480px; object-fit: cover; }
.split-img::after {
  content: "";
  position: absolute;
  inset: 18px -18px -18px 18px;
  border: 1px solid var(--brass);
  z-index: -1;
}
.split h2 { margin-bottom: 20px; }
.split p + p { margin-top: 16px; }
.split .btn { margin-top: 30px; }

/* ---------- feature list (why us) ---------- */
.features { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0; }
.feature {
  padding: 42px 40px 42px 0;
  border-top: 1px solid var(--line-light);
  display: grid;
  grid-template-columns: 64px 1fr;
  gap: 22px;
}
.feature .num { font-size: 1.5rem; }
.feature h3 { margin-bottom: 10px; font-size: 1.3rem; }
.feature p { font-size: 0.97rem; }

/* ---------- process steps ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 40px; counter-reset: step; }
.step { position: relative; padding-top: 26px; border-top: 1px solid var(--line); }
.step::before {
  counter-increment: step;
  content: "0" counter(step);
  position: absolute;
  top: -16px;
  left: 0;
  background: var(--paper);
  padding-right: 14px;
  font-family: var(--serif);
  font-size: 1.25rem;
  color: var(--brass);
}
.tinted .step::before { background: var(--paper-dark); }
.step h3 { font-size: 1.12rem; margin-bottom: 10px; }
.step p { font-size: 0.92rem; color: var(--warm-gray); }

/* ---------- industries ---------- */
.industries { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.industry {
  position: relative;
  display: block;
  text-decoration: none;
  overflow: hidden;
  aspect-ratio: 4 / 5;
}
.industry img {
  width: 100%; height: 100%;
  object-fit: cover;
  transition: transform 0.7s var(--ease), filter 0.7s var(--ease);
  filter: saturate(0.85);
}
.industry:hover img { transform: scale(1.05); filter: saturate(1); }
.industry .overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(13,24,40,0.92) 0%, rgba(13,24,40,0.18) 55%, transparent);
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: 28px;
}
.industry h3 { color: var(--paper); font-size: 1.3rem; }
.industry span {
  margin-top: 8px;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--brass-bright);
  opacity: 0;
  transform: translateY(6px);
  transition: all 0.4s var(--ease);
}
.industry:hover span { opacity: 1; transform: none; }

/* ---------- testimonials ---------- */
.quote-block {
  max-width: 840px;
  margin: 0 auto;
  text-align: center;
}
.quote-block blockquote {
  font-family: var(--serif);
  font-size: clamp(1.5rem, 2.6vw, 2.1rem);
  line-height: 1.4;
  color: var(--ink);
}
.dark .quote-block blockquote { color: var(--paper); }
.quote-block cite {
  display: block;
  margin-top: 28px;
  font-style: normal;
  font-size: 0.85rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--brass);
}

/* ---------- team ---------- */
.team { display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; }
.member img { width: 100%; aspect-ratio: 3/4; object-fit: cover; filter: saturate(0.85); }
.member h3 { font-size: 1.08rem; margin-top: 18px; }
.member p { font-size: 0.84rem; color: var(--warm-gray); letter-spacing: 0.06em; text-transform: uppercase; margin-top: 4px; }

/* ---------- coverage detail ---------- */
.line-detail {
  display: grid;
  grid-template-columns: 300px 1fr;
  gap: 64px;
  padding: 64px 0;
  border-top: 1px solid var(--line);
}
.line-detail:first-of-type { border-top: none; padding-top: 0; }
.line-detail h2 { font-size: 1.9rem; position: sticky; top: 110px; }
.line-detail .num { display: block; margin-bottom: 12px; }
.line-detail h4 {
  font-family: var(--sans);
  font-size: 0.8rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--brass);
  margin: 28px 0 12px;
}
.line-detail ul { list-style: none; }
.line-detail li {
  padding: 10px 0 10px 26px;
  border-bottom: 1px solid var(--line);
  font-size: 0.97rem;
  position: relative;
}
.line-detail li::before {
  content: "—";
  position: absolute;
  left: 0;
  color: var(--brass);
}

/* ---------- accordion (FAQ) ---------- */
.accordion { border-top: 1px solid var(--line); }
.acc-item { border-bottom: 1px solid var(--line); }
.acc-q {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  font-family: var(--serif);
  font-size: 1.25rem;
  color: var(--ink);
  padding: 26px 48px 26px 0;
  cursor: pointer;
  position: relative;
}
.acc-q::after {
  content: "+";
  position: absolute;
  right: 4px;
  top: 50%;
  transform: translateY(-50%);
  font-family: var(--sans);
  font-size: 1.5rem;
  font-weight: 300;
  color: var(--brass);
  transition: transform 0.3s var(--ease);
}
.acc-item.open .acc-q::after { transform: translateY(-50%) rotate(45deg); }
.acc-a { max-height: 0; overflow: hidden; transition: max-height 0.45s var(--ease); }
.acc-a-inner { padding: 0 0 28px; color: var(--warm-gray); max-width: 64ch; }

/* ---------- forms / quote ---------- */
.form-shell {
  max-width: 760px;
  margin: 0 auto;
  background: #fff;
  border: 1px solid var(--line);
  padding: 56px;
  box-shadow: 0 24px 60px -30px rgba(20,35,60,0.25);
}
.form-progress { display: flex; gap: 8px; margin-bottom: 40px; }
.form-progress span { flex: 1; height: 3px; background: var(--line); transition: background 0.4s; }
.form-progress span.on { background: var(--brass); }
.form-step { display: none; }
.form-step.active { display: block; animation: fadeUp 0.45s var(--ease); }
.form-step h3 { font-size: 1.6rem; margin-bottom: 8px; }
.form-step .hint { color: var(--warm-gray); font-size: 0.95rem; margin-bottom: 30px; }
.field { margin-bottom: 22px; }
.field label {
  display: block;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--slate);
  margin-bottom: 8px;
}
.field input, .field select, .field textarea {
  width: 100%;
  font-family: var(--sans);
  font-size: 1rem;
  padding: 14px 16px;
  border: 1px solid var(--line);
  background: var(--paper);
  color: var(--slate);
  outline: none;
  transition: border-color 0.2s;
}
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--brass); }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.choice-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; }
.choice {
  border: 1px solid var(--line);
  padding: 16px 18px;
  cursor: pointer;
  font-size: 0.95rem;
  display: flex;
  align-items: center;
  gap: 12px;
  background: var(--paper);
  transition: all 0.2s;
  user-select: none;
}
.choice:hover { border-color: var(--brass); }
.choice input { accent-color: var(--brass); width: 16px; height: 16px; }
.choice.selected { border-color: var(--brass); background: rgba(182,137,47,0.07); }
.form-nav { display: flex; justify-content: space-between; margin-top: 36px; }
.form-done { text-align: center; padding: 30px 0; }
.form-done h3 { font-size: 1.8rem; margin-bottom: 14px; }
.form-done p { color: var(--warm-gray); max-width: 46ch; margin: 0 auto 8px; }

/* ---------- CTA band ---------- */
.cta-band { background: var(--ink); color: var(--paper); text-align: center; position: relative; overflow: hidden; }
.cta-band::before {
  content: "M";
  position: absolute;
  font-family: var(--serif);
  font-size: 38rem;
  line-height: 0.8;
  color: rgba(246,242,234,0.03);
  right: -60px;
  top: -40px;
  pointer-events: none;
}
.cta-band h2 { color: var(--paper); max-width: 22ch; margin: 0 auto 18px; }
.cta-band p { color: rgba(246,242,234,0.7); margin-bottom: 36px; }
.cta-band .wrap { position: relative; z-index: 2; }

/* ---------- footer ---------- */
.site-footer {
  background: var(--ink-deep);
  color: rgba(246,242,234,0.65);
  padding: 72px 0 40px;
  font-size: 0.92rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.4fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid var(--line-light);
}
.site-footer h4 {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--brass-bright);
  margin-bottom: 18px;
}
.site-footer ul { list-style: none; }
.site-footer li { margin-bottom: 10px; }
.site-footer a { text-decoration: none; transition: color 0.2s; }
.site-footer a:hover { color: var(--paper); }
.footer-brand .logo-name { color: var(--paper); }
.footer-brand p { margin-top: 16px; max-width: 34ch; line-height: 1.6; }
.footer-legal {
  padding-top: 28px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 0.78rem;
  color: rgba(246,242,234,0.4);
}

/* ---------- reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity 0.8s var(--ease), transform 0.8s var(--ease); }
.reveal.in { opacity: 1; transform: none; }
@keyframes fadeUp { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: none; } }

/* ---------- responsive ---------- */
@media (max-width: 960px) {
  .stats, .grid.cols-4 { grid-template-columns: repeat(2, 1fr); }
  .logo-wall { grid-template-columns: repeat(4, 1fr); }
  .grid.cols-3, .industries, .steps { grid-template-columns: repeat(2, 1fr); }
  .team { grid-template-columns: repeat(2, 1fr); }
  .split, .features { grid-template-columns: 1fr; }
  .split { gap: 48px; }
  .line-detail { grid-template-columns: 1fr; gap: 24px; }
  .line-detail h2 { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .nav { display: none; }
  .nav.open {
    display: flex;
    position: absolute;
    top: 76px;
    left: 0; right: 0;
    flex-direction: column;
    background: var(--paper);
    border-bottom: 1px solid var(--line);
    padding: 28px 32px;
    gap: 20px;
  }
  .menu-toggle {
    display: block;
    background: none;
    border: none;
    font-family: var(--sans);
    font-size: 0.85rem;
    font-weight: 600;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--ink);
    cursor: pointer;
  }
}
@media (max-width: 600px) {
  section { padding: 64px 0; }
  body { overflow-x: hidden; }
  .split-img::after { inset: 12px -10px -10px 12px; }
  .logo-wall { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .logo-cell { height: 88px; padding: 18px 12px; }
  .logo-cell img { max-height: 34px; max-width: 100%; }
  .logo-cell.tall img { max-height: 52px; }
  .split-img img { height: 320px; }
  .form-nav { flex-wrap: wrap; gap: 12px; }
  .hero-meta { gap: 18px 28px; }
  .stats, .grid.cols-4, .grid.cols-3, .grid.cols-2, .industries, .steps, .team,
  .choice-grid, .field-row { grid-template-columns: 1fr; }
  .stat { border-right: none; }
  .form-shell { padding: 32px 24px; }
  .hero .wrap { padding-top: 80px; padding-bottom: 70px; }
}