:root{
  /* Layout idea: quiet graphite-and-paper pages; the one bold move is the "finance month" ledger card. */
  --paper:#f5f5f2;
  --surface:#ffffff;
  --ink:#1e2124;
  --graphite:#737373;
  --muted:#3b3f43;
  --line:#d8d8d3;
  --marker:#b8873b;
  --display:"Montserrat","Helvetica Neue",Arial,sans-serif;
  --body:"IBM Plex Sans","Segoe UI",Arial,sans-serif;
  --mono:"IBM Plex Mono",ui-monospace,Menlo,monospace;
  color-scheme:light;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--body);font-size:17px;line-height:1.6}
a{color:inherit}
img{max-width:100%}
:focus-visible{outline:3px solid var(--marker);outline-offset:3px;border-radius:4px}
.skip{position:absolute;left:-999px;top:8px;background:var(--ink);color:#fff;padding:10px 14px;border-radius:6px;z-index:100}
.skip:focus{left:12px}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
h1,h2,h3{font-family:var(--display);font-weight:400;text-wrap:balance;margin:0}
h1{font-size:clamp(36px,5.2vw,60px);line-height:1.06;font-weight:300;letter-spacing:-.02em}
h1 b{font-weight:500}
h2{font-size:clamp(26px,3.4vw,38px);line-height:1.2;letter-spacing:-.01em}
h3{font-size:20px;font-weight:500;line-height:1.3}
p{margin:0}
.eyebrow{font-family:var(--display);text-transform:uppercase;letter-spacing:.26em;font-size:12px;color:var(--graphite);margin:0}
.lede{font-size:19px;max-width:36em;color:var(--muted)}
.prose{max-width:68ch;display:grid;gap:16px;color:var(--muted)}
.prose h2{color:var(--ink);margin-top:12px}
.prose h3{color:var(--ink);margin-top:8px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:14px 22px;border-radius:6px;font-weight:600;font-size:16px;text-decoration:none;border:1.5px solid var(--ink);transition:transform .15s ease,background .15s ease;white-space:nowrap;cursor:pointer;font-family:var(--body)}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--ink);color:#fff}
.btn-primary:hover{background:#000}
.btn-ghost{background:transparent;color:var(--ink)}
.btn-ghost:hover{background:var(--surface)}
.btn-light{background:#fff;color:var(--ink);border-color:#fff}
.btn-outline-light{background:transparent;color:#fff;border-color:#8b8f93}
.btn-outline-light:hover{border-color:#fff}
.ico{width:18px;height:18px;flex:none}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
@media (max-width:480px){.cta-row .btn{width:100%;white-space:normal}}

/* Header */
header.top{position:sticky;top:0;z-index:20;background:rgba(245,245,242,.95);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
.top .wrap{display:flex;align-items:center;gap:24px;height:72px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink)}
.brand svg{width:30px;height:35px;color:var(--graphite)}
.brand .wm{font-family:var(--display);font-weight:300;font-size:21px;letter-spacing:.06em;line-height:1;white-space:nowrap}
.brand .wm small{display:block;font-size:9px;letter-spacing:.42em;margin-top:4px;color:var(--graphite)}
nav.main{margin-left:auto;display:flex;gap:20px;font-size:15px;align-items:center}
nav.main a{text-decoration:none;color:var(--ink);padding:6px 0;border-bottom:2px solid transparent}
nav.main a:hover{border-color:var(--line)}
nav.main a[aria-current="page"]{border-color:var(--marker)}
.top .hdr-btn{padding:10px 16px;font-size:14px}
.menu-toggle{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:6px;padding:8px 12px;font:inherit;font-size:14px;cursor:pointer;color:var(--ink)}
@media (max-width:980px){
  .menu-toggle{display:inline-block}
  nav.main{display:none;position:absolute;left:0;right:0;top:72px;background:var(--paper);border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0;padding:8px 24px 16px;margin:0}
  nav.main.open{display:flex}
  nav.main a{padding:12px 0;border-bottom:1px solid var(--line)}
  .top .wrap{gap:12px}
  .top .hdr-btn{order:3}
}
@media (max-width:520px){.brand .wm{font-size:17px}.brand svg{width:24px;height:28px}.top .hdr-btn{display:none}}

/* Hero */
.hero{padding:72px 0 56px}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr;gap:40px}}
.hero h1{margin:18px 0 20px}
.assure{display:flex;flex-wrap:wrap;gap:8px 22px;margin-top:28px;font-size:14px;color:var(--graphite)}
.assure span::before{content:"";display:inline-block;width:6px;height:6px;border-radius:50%;background:var(--marker);margin-right:8px;vertical-align:middle}
.page-hero{padding:64px 0 40px;border-bottom:1px solid var(--line)}
.page-hero h1{margin:14px 0 18px;font-size:clamp(34px,4.6vw,52px)}
.crumbs{font-size:14px;color:var(--graphite)}
.crumbs a{text-decoration:none}
.crumbs a:hover{text-decoration:underline}

/* Ledger card */
.ledger{background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:26px 26px 20px;box-shadow:0 18px 40px -28px rgba(30,33,36,.35)}
.ledger-head{display:flex;justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:14px}
.ledger-head .eyebrow{letter-spacing:.2em}
.mono{font-family:var(--mono);font-size:12px;color:var(--graphite)}
.ledger ol{list-style:none;margin:0;padding:0}
.ledger li{display:grid;grid-template-columns:62px 1fr auto;gap:14px;align-items:center;padding:12px 0;border-top:1px dashed var(--line)}
.ledger li:first-child{border-top:0}
.day{font-family:var(--mono);font-size:13px;color:var(--graphite);font-variant-numeric:tabular-nums}
.day b{display:block;font-size:24px;color:var(--ink);font-weight:500;line-height:1.1}
.task{font-size:15px;line-height:1.35}
.task small{display:block;color:var(--graphite);font-size:13px}
.tag{font-family:var(--mono);font-size:11px;letter-spacing:.06em;text-transform:uppercase;padding:4px 8px;border-radius:4px;border:1px solid var(--line);color:var(--graphite);white-space:nowrap}
.tag.sars{border-color:var(--marker);color:#8a6122;background:#faf3e6}
.tag.you{background:var(--ink);color:#fff;border-color:var(--ink)}
.ledger-foot{margin-top:12px;font-size:12px;color:var(--graphite)}
@media (max-width:420px){.ledger li{grid-template-columns:52px 1fr}.ledger .tag{display:none}}

/* Sections */
section{padding:80px 0}
.band{background:var(--surface);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-head{max-width:660px;display:grid;gap:14px;margin-bottom:44px}
.section-head p{color:var(--muted)}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
@media (max-width:860px){.grid3{grid-template-columns:1fr}}
@media (max-width:640px){.grid2{grid-template-columns:1fr}}
.card{background:var(--paper);border:1px solid var(--line);border-radius:10px;padding:28px;display:grid;gap:12px;align-content:start}
.paper-bg .card{background:var(--surface)}
.card .num{font-family:var(--mono);font-size:12px;color:var(--graphite);letter-spacing:.1em}
.card p{color:var(--muted);font-size:16px}
.card ul{margin:4px 0 0;padding-left:18px;color:var(--muted);font-size:15px}
.card ul li{margin:4px 0}
.card .more{font-weight:600;font-size:15px;text-decoration:none;margin-top:6px}
.card .more:hover{text-decoration:underline;text-underline-offset:4px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
@media (max-width:860px){.two{grid-template-columns:1fr;gap:32px}}

.steps{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--ink)}
.steps.three{grid-template-columns:repeat(3,1fr)}
@media (max-width:900px){.steps,.steps.three{grid-template-columns:1fr}}
.step{padding:26px 22px 10px 0;display:grid;gap:10px;align-content:start}
.step + .step{padding-left:22px;border-left:1px solid var(--line)}
@media (max-width:900px){.step + .step{padding-left:0;border-left:0;border-top:1px solid var(--line)}}
.step .n{font-family:var(--display);font-weight:300;font-size:44px;color:var(--graphite);line-height:1}
.step p{color:var(--muted);font-size:16px}

.ticks{list-style:none;padding:0;margin:0}
.ticks li{display:grid;grid-template-columns:28px 1fr;gap:10px;padding:14px 0;border-bottom:1px solid var(--line)}
.ticks li svg{width:20px;height:20px;margin-top:3px;color:var(--marker)}
.ticks li small{display:block;color:var(--graphite);font-size:14px}

.audience{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border:1px solid var(--line);border-radius:10px;overflow:hidden;background:var(--surface)}
@media (max-width:860px){.audience{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.audience{grid-template-columns:1fr}}
.audience div{padding:24px;border-right:1px solid var(--line);display:grid;gap:8px;align-content:start}
.audience div:last-child{border-right:0}
@media (max-width:860px){.audience div{border-bottom:1px solid var(--line)}}
.audience p{color:var(--muted);font-size:15px}

.principle{display:grid;gap:8px;padding:22px;border:1px solid var(--line);border-radius:10px;background:var(--surface)}
.band .principle{background:var(--paper)}
.principle p{color:var(--muted);font-size:15px}

/* FAQ */
.faq{max-width:820px}
details{border-bottom:1px solid var(--line);padding:18px 0}
summary{cursor:pointer;font-weight:600;list-style:none;display:flex;justify-content:space-between;gap:16px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-family:var(--mono);color:var(--graphite);font-size:20px;line-height:1}
details[open] summary::after{content:"\2212"}
details p{margin-top:10px;color:var(--muted);max-width:66ch}

/* Dark CTA band */
.cta-band{background:var(--ink);color:#f1f1ee;padding:72px 0}
.cta-band .eyebrow{color:#a8a8a3}
.cta-band p.sub{color:#cfcfca;max-width:40em;margin-top:14px}
.cta-band .inner{display:grid;grid-template-columns:1.4fr 1fr;gap:40px;align-items:center}
@media (max-width:860px){.cta-band .inner{grid-template-columns:1fr}}
.cta-band .cta-row{margin-top:0;justify-content:flex-end}
@media (max-width:860px){.cta-band .cta-row{justify-content:flex-start}}

/* Resources */
.filters{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:28px}
.chip{font:inherit;font-size:14px;padding:8px 14px;border-radius:999px;border:1px solid var(--line);background:var(--surface);color:var(--ink);cursor:pointer}
.chip[aria-pressed="true"]{background:var(--ink);color:#fff;border-color:var(--ink)}
.articles{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
@media (max-width:760px){.articles{grid-template-columns:1fr}}
.article{background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:24px;display:grid;gap:10px;align-content:start}
.article .meta{display:flex;justify-content:space-between;gap:12px;font-family:var(--mono);font-size:11px;letter-spacing:.06em;text-transform:uppercase;color:var(--graphite)}
.article p{color:var(--muted);font-size:15px}
.article[hidden]{display:none}
.note{border-left:3px solid var(--marker);background:#faf3e6;padding:14px 18px;border-radius:0 8px 8px 0;font-size:15px;color:#4a3a1c;max-width:68ch}

/* Forms */
.form-wrap{display:grid;grid-template-columns:1.2fr .8fr;gap:48px;align-items:start}
@media (max-width:900px){.form-wrap{grid-template-columns:1fr}}
form.enquiry{background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:28px;display:grid;gap:16px}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media (max-width:560px){.row2{grid-template-columns:1fr}}
label{display:grid;gap:6px;font-size:14px;font-weight:500}
label .opt{font-weight:400;color:var(--graphite)}
input[type=text],input[type=email],input[type=tel],select,textarea{font:inherit;font-size:16px;padding:11px 12px;border-radius:6px;border:1px solid #bdbdb7;background:#fff;color:var(--ink);width:100%}
input:focus,select:focus,textarea:focus{border-color:var(--ink)}
textarea{min-height:100px;resize:vertical}
fieldset{border:0;padding:0;margin:0;display:grid;gap:8px}
legend{font-size:14px;font-weight:500;margin-bottom:6px}
.radios{display:flex;flex-wrap:wrap;gap:8px 20px}
.check{display:flex;gap:10px;align-items:flex-start;font-size:14px;font-weight:400}
.check input{margin-top:4px;width:16px;height:16px;accent-color:var(--ink);flex:none}
.consent{font-size:13px;color:var(--muted)}
.err{color:#a03b2a;font-size:14px;min-height:1em}
.form-msg{display:none;border:1px solid var(--marker);background:#faf3e6;border-radius:8px;padding:18px;gap:10px}
.form-msg.show{display:grid}
.side{display:grid;gap:20px}
.contact-list{list-style:none;padding:0;margin:0;display:grid;gap:14px}
.contact-list li{display:grid;gap:2px}
.contact-list .k{font-family:var(--mono);font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:var(--graphite)}

/* Footer */
footer{padding:56px 0 40px;font-size:14px;color:var(--graphite);border-top:1px solid var(--line);background:var(--surface)}
.foot{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}
@media (max-width:860px){.foot{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.foot{grid-template-columns:1fr}}
footer h2{font-family:var(--display);font-weight:500;color:var(--ink);font-size:12px;letter-spacing:.2em;text-transform:uppercase;margin:0 0 12px}
footer ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
footer a{text-decoration:none}
footer a:hover{text-decoration:underline}
.legal{margin-top:36px;padding-top:20px;border-top:1px solid var(--line);font-size:13px;display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px}

.wa-float{position:fixed;right:18px;bottom:18px;z-index:30;width:56px;height:56px;border-radius:50%;background:#1f8f4e;color:#fff;display:grid;place-items:center;box-shadow:0 10px 24px -8px rgba(0,0,0,.45);text-decoration:none}
.wa-float svg{width:28px;height:28px}