/* Founders Credit — SEO site design system (matches the FC brand DNA) */
:root{
  --cream:#FBF9F4;--paper:#FFFFFF;--ink:#0C1A2B;--ink2:#16283b;
  --gold:#B5893A;--goldD:#9A7324;--goldL:#D9BD78;
  --body:#52616F;--mut:#7A8794;--line:#E9E3D6;--line2:#efe9dc;
  --green:#2D6A32;--greenBg:#e9f4ec;
  --maxw:1120px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,-apple-system,sans-serif;background:var(--cream);color:var(--ink);line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
h1,h2,h3,.serif{font-family:'Fraunces',Georgia,serif;font-weight:600;letter-spacing:-.01em;line-height:1.08}
em{font-style:italic;color:var(--gold)}
.eyebrow{font-size:.72rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold)}

/* ---- top nav + mega menu ---- */
.nav{position:sticky;top:0;z-index:100;background:var(--ink);color:#fff}
.nav .wrap{display:flex;align-items:center;gap:26px;height:64px}
.brand{font-family:'Fraunces',serif;font-weight:600;font-size:1.2rem;color:#fff;white-space:nowrap}
.brand em{color:var(--goldL)}
.navlinks{display:flex;align-items:center;gap:24px;margin-left:8px;flex:1}
.navlinks a,.navlinks .has{font-size:.86rem;font-weight:600;color:#cdd6df;cursor:pointer;display:inline-flex;align-items:center;gap:5px;padding:20px 0;position:relative}
.navlinks a:hover,.navlinks .has:hover{color:#fff}
.cta-btn{background:var(--gold);color:#fff !important;font-weight:700;font-size:.84rem;padding:11px 18px;border-radius:9px;white-space:nowrap}
.cta-btn:hover{background:var(--goldD)}
.mega{position:absolute;top:64px;left:0;right:0;background:#fff;color:var(--ink);box-shadow:0 24px 60px -18px rgba(12,26,43,.4);border-top:1px solid var(--line);opacity:0;visibility:hidden;transform:translateY(-6px);transition:.16s}
.megawrap.open .mega{opacity:1;visibility:visible;transform:none}
.mega .inner{max-width:var(--maxw);margin:0 auto;display:grid;grid-template-columns:1.1fr 1.5fr 1fr;gap:0}
.mega .col{padding:26px 28px}
.mega .col+.col{border-left:1px solid var(--line)}
.mega .col.dark{background:var(--ink);color:#fff;border-left:none}
.mega .lbl{font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;color:var(--mut);font-weight:700;margin-bottom:14px}
.mega .browse a{display:block;padding:9px 0;border-bottom:1px solid var(--line2)}
.mega .browse a b{display:block;font-family:'Fraunces',serif;font-size:1rem;color:var(--ink)}
.mega .browse a span{font-size:.8rem;color:var(--mut)}
.mega .browse a:hover b{color:var(--goldD)}
.mega .subs{columns:2;column-gap:24px}
.mega .subs a{display:block;font-size:.86rem;color:var(--body);padding:6px 0;break-inside:avoid}
.mega .subs a:hover{color:var(--goldD)}
.mega .starthere .sh{display:block;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.12)}
.mega .starthere .sh b{font-family:'Fraunces',serif;color:#fff;font-size:1rem}
.mega .starthere .sh span{font-size:.8rem;color:var(--goldL)}
.mega .starthere .pillarcard{background:rgba(255,255,255,.06);border:1px solid rgba(217,189,120,.25);border-radius:12px;padding:14px;margin-bottom:8px}

/* ---- hero ---- */
.hero{background:linear-gradient(180deg,#fff, var(--cream));border-bottom:1px solid var(--line);padding:64px 0 56px}
.hero h1{font-size:clamp(2.1rem,4.6vw,3.5rem);max-width:14ch}
.hero p.lead{font-size:1.15rem;color:var(--body);max-width:60ch;margin:20px 0 26px}
.btnrow{display:flex;gap:12px;flex-wrap:wrap;align-items:center}
.btn{display:inline-flex;align-items:center;gap:8px;font-weight:700;font-size:.95rem;padding:14px 24px;border-radius:11px;cursor:pointer}
.btn.primary{background:var(--gold);color:#fff}.btn.primary:hover{background:var(--goldD)}
.btn.ghost{background:#fff;color:var(--ink);border:1px solid var(--line)}.btn.ghost:hover{border-color:var(--gold)}
.trust{display:flex;gap:34px;flex-wrap:wrap;margin-top:40px;padding-top:26px;border-top:1px solid var(--line)}
.trust .t b{font-family:'Fraunces',serif;font-size:1.7rem;color:var(--ink);display:block}
.trust .t span{font-size:.82rem;color:var(--mut)}

/* ---- sections ---- */
section{padding:56px 0}
.sec-head{max-width:60ch;margin-bottom:34px}
.sec-head h2{font-size:clamp(1.6rem,3vw,2.3rem)}
.sec-head p{color:var(--body);margin-top:12px;font-size:1.05rem}

/* category grid */
.catgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:16px}
.catcard{background:var(--paper);border:1px solid var(--line);border-radius:16px;padding:24px;transition:.15s;display:block}
.catcard:hover{border-color:var(--gold);transform:translateY(-2px);box-shadow:0 18px 40px -22px rgba(12,26,43,.3)}
.catcard .ic{font-size:1.7rem}
.catcard h3{font-size:1.25rem;margin:12px 0 6px}
.catcard p{font-size:.9rem;color:var(--body)}
.catcard .cnt{font-size:.74rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--goldD);margin-top:14px;display:inline-block}

/* steps */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:18px}
.step{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:22px}
.step .n{width:34px;height:34px;border-radius:50%;background:var(--ink);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center;font-size:.9rem}
.step h3{font-size:1.05rem;margin:14px 0 6px}
.step p{font-size:.88rem;color:var(--body)}

/* dark band */
.band{background:var(--ink);color:#fff;border-radius:20px;padding:44px}
.band h2{color:#fff;font-size:1.9rem}.band .goldtxt{color:var(--goldL)}
.band p{color:#c9d3dc;margin:14px 0 22px;max-width:60ch}

/* article list (hub pages) */
.artlist{display:grid;grid-template-columns:repeat(auto-fill,minmax(320px,1fr));gap:14px}
.art{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:20px;display:block;transition:.15s}
.art:hover{border-color:var(--gold);transform:translateY(-2px)}
.art .tag{font-size:.68rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--goldD)}
.art h3{font-size:1.08rem;margin:8px 0 6px;line-height:1.25}
.art p{font-size:.86rem;color:var(--body)}
.art.soon{opacity:.6}
.art.soon .tag{color:var(--mut)}

/* faq */
.faq details{background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:4px 18px;margin-bottom:10px}
.faq summary{font-weight:600;padding:14px 0;cursor:pointer;list-style:none;font-size:1rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--gold);font-weight:700}
.faq details[open] summary::after{content:"–"}
.faq p{color:var(--body);padding:0 0 16px;font-size:.94rem}

/* breadcrumb */
.crumb{font-size:.82rem;color:var(--mut);padding:20px 0 0}
.crumb a:hover{color:var(--goldD)}

/* footer */
footer{background:var(--ink);color:#c9d3dc;margin-top:40px;padding:52px 0 34px}
footer .cols{display:grid;grid-template-columns:1.4fr repeat(4,1fr);gap:26px}
footer h4{color:#fff;font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:14px;font-weight:700}
footer a{display:block;font-size:.86rem;color:#a9b6c2;padding:5px 0}
footer a:hover{color:#fff}
footer .brand{font-size:1.2rem;margin-bottom:12px}
footer .fine{margin-top:34px;padding-top:20px;border-top:1px solid rgba(255,255,255,.12);font-size:.78rem;color:#8091a0;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}

@media(max-width:900px){
  .navlinks{display:none}
  .mega .inner{grid-template-columns:1fr}
  footer .cols{grid-template-columns:1fr 1fr}
}

/* ---- article pages ---- */
.article{max-width:760px;margin:0 auto;padding:8px 22px 20px}
.article .meta{font-size:.8rem;color:var(--mut);margin:6px 0 18px}
.article h1{font-size:clamp(1.9rem,3.6vw,2.7rem);line-height:1.1;margin-bottom:6px}
.article .standfirst{font-size:1.16rem;color:var(--body);margin:16px 0 26px;line-height:1.55}
.article h2{font-size:1.5rem;margin:34px 0 12px}
.article h3{font-size:1.15rem;margin:22px 0 8px}
.article p{margin:0 0 16px;color:#33414f;font-size:1.03rem}
.article ul,.article ol{margin:0 0 18px 22px;color:#33414f}
.article li{margin:0 0 8px;font-size:1.02rem}
.article a{color:var(--goldD);text-decoration:underline;text-underline-offset:2px}
.article strong{color:var(--ink)}
.article table{width:100%;border-collapse:collapse;margin:8px 0 22px;font-size:.94rem;background:#fff;border:1px solid var(--line);border-radius:10px;overflow:hidden}
.article th,.article td{padding:10px 12px;border-bottom:1px solid var(--line2);text-align:left;vertical-align:top}
.article th{background:#f6f1e7;font-weight:700;color:var(--ink)}
.article blockquote{border-left:3px solid var(--gold);background:#f6f1e7;border-radius:0 10px 10px 0;padding:12px 16px;margin:0 0 20px;color:#2a2822}
.callout{background:var(--ink);color:#fff;border-radius:14px;padding:22px 24px;margin:26px 0}
.callout h3{color:#fff;margin:0 0 6px;font-size:1.2rem}.callout p{color:#c9d3dc;margin:0 0 14px}
.related{border-top:1px solid var(--line);margin-top:34px;padding-top:22px}
.related h3{font-size:1rem;letter-spacing:.04em;text-transform:uppercase;color:var(--mut);margin-bottom:12px}
.related a{display:block;padding:8px 0;border-bottom:1px solid var(--line2);color:var(--ink);text-decoration:none;font-weight:500}
.related a:hover{color:var(--goldD)}