/* ============================================
   INCREM — Brand CSS
   Colours: navy #0B1F3A · blue #1A5FA8 · gold #C4A84F · ice #E8F1FA · light #F4F7FB
   Fonts: Inter (sans) · Source Serif 4 (serif)
   ============================================ */

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

:root {
  --navy:    #0B1F3A;
  --navy-dk: #071428;
  --blue:    #1A5FA8;
  --gold:    #C4A84F;
  --gold-lt: #FBF7EC;
  --ice:     #E8F1FA;
  --light:   #F4F7FB;
  --white:   #FFFFFF;
  --text:    #1A1A2E;
  --muted:   #6B7280;
  --border:  #DDE3EC;

  --font-sans: 'Inter', system-ui, sans-serif;
  --font-serif: 'Source Serif 4', Georgia, serif;

  --max-w: 1120px;
  --max-w-narrow: 720px;
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.65;
  color: var(--text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

/* ---- LAYOUT ---- */
.container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 2rem;
}
.container-narrow {
  max-width: var(--max-w-narrow);
  margin: 0 auto;
  padding: 0 2rem;
}

/* ---- NAV ---- */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--navy);
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.nav-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 2rem;
  height: 60px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.nav-logo {
  font-size: 1.25rem;
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--white);
  text-decoration: none;
}
.nav-links {
  list-style: none;
  display: flex;
  gap: 2rem;
  align-items: center;
}
.nav-links a {
  font-size: 0.875rem;
  font-weight: 500;
  color: rgba(255,255,255,0.75);
  text-decoration: none;
  transition: color 0.2s;
}
.nav-links a:hover { color: var(--white); }
.nav-cta {
  background: var(--gold) !important;
  color: var(--navy) !important;
  padding: 0.4rem 1rem;
  border-radius: 4px;
  font-weight: 600 !important;
}
.nav-cta:hover { opacity: 0.9; }

/* ---- HERO ---- */
.hero {
  background: var(--navy);
  color: var(--white);
  padding: 6rem 2rem 5rem;
}
.hero-inner {
  max-width: var(--max-w);
  margin: 0 auto;
}
.hero-eyebrow {
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.5rem;
}
.hero-headline {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 4vw, 3.25rem);
  font-weight: 300;
  line-height: 1.2;
  color: var(--white);
  margin-bottom: 1.5rem;
  max-width: 800px;
}
.hero-sub {
  font-size: 1.125rem;
  color: var(--ice);
  max-width: 640px;
  margin-bottom: 2.5rem;
  line-height: 1.7;
}
.hero-actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 4rem;
}

/* Buttons */
.btn {
  display: inline-block;
  padding: 0.75rem 1.75rem;
  border-radius: 4px;
  font-size: 0.9rem;
  font-weight: 600;
  text-decoration: none;
  transition: all 0.2s;
  cursor: pointer;
}
.btn-primary {
  background: var(--blue);
  color: var(--white);
  border: 2px solid var(--blue);
}
.btn-primary:hover { background: #1651A0; border-color: #1651A0; }
.btn-ghost {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,0.35);
}
.btn-ghost:hover { border-color: var(--white); }
.btn-gold {
  background: var(--gold);
  color: var(--navy);
  border: 2px solid var(--gold);
}
.btn-gold:hover { opacity: 0.9; }

/* Hero stats */
.hero-stat-row {
  display: flex;
  gap: 0;
  align-items: stretch;
  border-top: 1px solid rgba(255,255,255,0.12);
  padding-top: 2.5rem;
  flex-wrap: wrap;
}
.hero-stat {
  flex: 1;
  min-width: 180px;
  padding-right: 2.5rem;
}
.stat-divider {
  width: 1px;
  background: rgba(255,255,255,0.12);
  margin: 0 2.5rem;
  align-self: stretch;
}
.stat-num {
  display: block;
  font-size: 2.25rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 0.5rem;
}
.stat-label {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.65);
  line-height: 1.45;
}

/* ---- SECTIONS ---- */
.section-white { padding: 5rem 2rem; background: var(--white); }
.section-alt   { padding: 5rem 2rem; background: var(--light); }
.section-navy  { padding: 5rem 2rem; background: var(--navy); }

.section-eyebrow {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 0.75rem;
}
.eyebrow-gold { color: var(--gold); }

h2 {
  font-family: var(--font-serif);
  font-size: clamp(1.6rem, 3vw, 2.25rem);
  font-weight: 400;
  line-height: 1.25;
  color: var(--navy);
  margin-bottom: 1.25rem;
}
.text-white { color: var(--white) !important; }
.text-ice   { color: var(--ice) !important; }

.section-intro {
  font-size: 1.0625rem;
  color: var(--muted);
  max-width: 620px;
  margin-bottom: 3rem;
  line-height: 1.7;
}

/* ---- TWO COL ---- */
.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: start;
}
.col-text p {
  color: #374151;
  margin-bottom: 1.25rem;
  line-height: 1.75;
}
.col-text h2 { margin-bottom: 1.25rem; }

/* ---- PULL QUOTE ---- */
.pull-quote {
  font-family: var(--font-serif);
  font-size: 1.2rem;
  font-style: italic;
  font-weight: 300;
  color: var(--blue);
  border-left: 3px solid var(--gold);
  padding-left: 1.25rem;
  margin: 2rem 0;
  line-height: 1.5;
}

/* ---- INFO CARD ---- */
.info-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 2rem;
  box-shadow: 0 4px 24px rgba(11,31,58,0.07);
}
.info-card-label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 1.5rem;
}
.scenario-row {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 1.5rem;
}
.scenario { flex: 1; text-align: center; }
.scenario-label {
  font-size: 0.8rem;
  color: var(--muted);
  margin-bottom: 0.5rem;
  font-weight: 500;
}
.scenario-tax {
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
}
.scenario-tax-higher { color: #C0392B; }
.scenario-sub {
  font-size: 0.75rem;
  color: var(--muted);
  margin-top: 0.25rem;
}
.scenario-vs {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--muted);
}
.scenario-saving {
  background: var(--gold-lt);
  border: 1px solid var(--gold);
  border-radius: 4px;
  padding: 0.75rem 1rem;
  font-size: 0.9rem;
  text-align: center;
  color: var(--navy);
  margin-bottom: 0.75rem;
}
.scenario-disclaimer {
  font-size: 0.72rem;
  color: var(--muted);
  text-align: center;
  line-height: 1.4;
}

/* ---- PROCESS RAIL ---- */
.process-rail {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: 1.5rem;
  margin-bottom: 3.5rem;
}
.process-step {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 1.5rem;
  position: relative;
}
.process-step.human {
  background: var(--gold-lt);
  border-color: var(--gold);
}
.step-badge {
  display: inline-block;
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  background: var(--ice);
  color: var(--blue);
  padding: 0.2rem 0.5rem;
  border-radius: 3px;
  margin-bottom: 0.75rem;
}
.step-badge-human {
  background: var(--gold);
  color: var(--navy);
}
.step-num {
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--muted);
  margin-bottom: 0.25rem;
}
.step-title {
  font-weight: 600;
  font-size: 0.9375rem;
  color: var(--navy);
  margin-bottom: 0.5rem;
}
.step-desc {
  font-size: 0.85rem;
  color: #4B5563;
  line-height: 1.55;
}

/* What practitioner does */
.what-practitioner-does {
  background: var(--navy);
  border-radius: 8px;
  padding: 2rem 2.5rem;
  color: var(--white);
}
.wpd-label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.5rem;
}
.wpd-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}
.wpd-item {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
}
.wpd-num {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  flex-shrink: 0;
}
.wpd-content strong {
  display: block;
  font-size: 0.9rem;
  margin-bottom: 0.35rem;
  color: var(--white);
}
.wpd-content span {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.65);
  line-height: 1.55;
}

/* ---- PRODUCTS ---- */
.product-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 1.25rem;
}
.product-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 8px;
  padding: 1.75rem 1.5rem;
  color: var(--white);
}
.product-card-featured {
  background: rgba(196,168,79,0.12);
  border-color: var(--gold);
}
.product-tier {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  margin-bottom: 0.5rem;
}
.product-name {
  font-family: var(--font-serif);
  font-size: 1.2rem;
  font-weight: 400;
  margin-bottom: 0.5rem;
  color: var(--white);
}
.product-price {
  font-size: 1rem;
  font-weight: 700;
  color: var(--gold);
  margin-bottom: 1rem;
}
.price-note {
  font-size: 0.72rem;
  font-weight: 400;
  color: rgba(255,255,255,0.45);
}
.product-desc {
  font-size: 0.84rem;
  color: rgba(255,255,255,0.68);
  line-height: 1.6;
  margin-bottom: 1rem;
}
.product-tag {
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 0.75rem;
}
.product-tag-featured { color: var(--gold); border-color: rgba(196,168,79,0.3); }

/* ---- ADVISERS ---- */
.adviser-benefits { margin: 1.75rem 0 2rem; }
.benefit-item {
  display: flex;
  gap: 0.75rem;
  align-items: flex-start;
  margin-bottom: 1rem;
}
.benefit-icon {
  font-weight: 700;
  color: var(--blue);
  flex-shrink: 0;
  margin-top: 0.1rem;
}
.benefit-text {
  font-size: 0.9rem;
  color: #374151;
  line-height: 1.55;
}

/* Liability table */
.liability-table {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 8px;
  overflow: hidden;
  box-shadow: 0 4px 24px rgba(11,31,58,0.07);
}
.lt-header {
  background: var(--navy);
  color: var(--white);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 0.75rem 1.25rem;
}
.lt-row {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  border-bottom: 1px solid var(--border);
}
.lt-row:last-child { border-bottom: none; }
.lt-row-head {
  background: var(--light);
}
.lt-cell {
  padding: 0.65rem 1.25rem;
  font-size: 0.84rem;
  color: #374151;
}
.lt-row-head .lt-cell {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--muted);
}
.lt-center { text-align: center; }
.lt-yes { color: var(--blue); font-weight: 700; font-size: 1rem; }

/* ---- PROOF ---- */
.proof-stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  margin-bottom: 2.5rem;
}
.proof-stat {
  text-align: center;
  padding: 1.75rem 1rem;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 8px;
}
.ps-num {
  font-size: 2.25rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 0.5rem;
}
.ps-label {
  font-size: 0.82rem;
  color: var(--muted);
  line-height: 1.45;
}
.proof-note {
  background: var(--white);
  border: 1px solid var(--border);
  border-left: 4px solid var(--blue);
  border-radius: 0 8px 8px 0;
  padding: 1.5rem 2rem;
  margin-bottom: 1.5rem;
}
.pn-label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 0.75rem;
}
.proof-note p {
  font-size: 0.9rem;
  color: #374151;
  line-height: 1.7;
}
.backtest-box {
  background: var(--gold-lt);
  border: 1px solid var(--gold);
  border-radius: 8px;
  padding: 1.5rem 2rem;
}
.bb-label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #8B6914;
  margin-bottom: 0.75rem;
}
.backtest-box p {
  font-size: 0.875rem;
  color: #4B3A00;
  line-height: 1.65;
}

/* ---- CONTACT ---- */
.contact-actions {
  margin: 2rem 0 1rem;
}
.contact-note {
  font-size: 0.82rem;
  margin-top: 1.5rem;
  opacity: 0.6;
}
.link-ice {
  color: var(--ice);
  text-decoration: underline;
}

/* ---- FOOTER ---- */
.footer {
  background: var(--navy-dk);
  padding: 2.5rem 2rem;
  border-top: 1px solid rgba(255,255,255,0.06);
}
.footer-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1.5rem;
}
.footer-brand {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: -0.02em;
}
.footer-links {
  display: flex;
  gap: 1.5rem;
  flex-wrap: wrap;
}
.footer-links a {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.45);
  text-decoration: none;
  transition: color 0.2s;
}
.footer-links a:hover { color: var(--white); }
.footer-legal {
  width: 100%;
  font-size: 0.75rem;
  color: rgba(255,255,255,0.3);
  line-height: 1.5;
  border-top: 1px solid rgba(255,255,255,0.06);
  padding-top: 1.25rem;
  margin-top: 0.5rem;
}

/* ---- RESPONSIVE ---- */
@media (max-width: 768px) {
  .two-col { grid-template-columns: 1fr; gap: 2rem; }
  .wpd-grid { grid-template-columns: 1fr; gap: 1.5rem; }
  .proof-stats { grid-template-columns: repeat(2, 1fr); }
  .hero-stat-row { flex-direction: column; gap: 1.5rem; }
  .stat-divider { display: none; }
  .nav-links { display: none; }
  .lt-row { grid-template-columns: 2fr 1fr 1fr; }
  .lt-row .lt-cell:last-child { display: none; }
  .lt-row-head .lt-cell:last-child { display: none; }
  .hero { padding: 3.5rem 2rem 3rem; }
  .section-white, .section-alt, .section-navy { padding: 3.5rem 2rem; }
}

@media (max-width: 480px) {
  .proof-stats { grid-template-columns: 1fr 1fr; }
  .product-grid { grid-template-columns: 1fr; }
  .process-rail { grid-template-columns: 1fr; }
}