/* Swiss Finance Private Wealth Management LLC — shared site styles */
/* Fonts are self-hosted in fonts/ via fonts.css; no external font requests. */

@import url('fonts.css');

:root{
  --cream:#faf7f0;
  --beige:#efe8dc;
  --ink:#1c2431;
  --body:#4b5568;
  --gold:#a9823f;
  --gold-soft:#c9a668;
  --hairline:rgba(28,36,49,0.12);
  --footer-bg:#171512;
  --footer-text:#c9c4ba;
  --footer-hair:rgba(255,255,255,0.14);
  --max:1120px;

  --font-display:'Playfair Display', Georgia, 'Times New Roman', serif;
  --font-body:'Source Serif 4', Georgia, Cambria, 'Times New Roman', Times, serif;
  --font-sans:'Inter', 'Segoe UI', system-ui, -apple-system, 'Helvetica Neue', Arial, sans-serif;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  background:var(--cream);
  color:var(--ink);
  font-family:var(--font-body);
  font-size:17px;
  line-height:1.7;
  -webkit-font-smoothing:antialiased;
}

a{color:inherit;}

.wrap{
  max-width:var(--max);
  margin:0 auto;
  padding:0 40px;
}

.eyebrow{
  font-family:var(--font-sans);
  font-size:12px;
  font-weight:600;
  letter-spacing:0.16em;
  text-transform:uppercase;
  color:var(--gold);
}

h1, h2, h3{
  font-family:var(--font-display);
  font-weight:500;
  color:var(--ink);
  margin:0;
}

em, .accent{
  font-style:italic;
  color:var(--gold);
}

p{
  color:var(--body);
  margin:0 0 18px 0;
}
p:last-child{margin-bottom:0;}

.inline-link{
  text-decoration:underline;
  text-decoration-color:var(--gold-soft);
}

/* ---------- Header ---------- */
header.site-header{
  background:var(--cream);
  border-bottom:1px solid var(--hairline);
}
header.site-header .wrap{
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding-top:26px;
  padding-bottom:26px;
}
.wordmark{
  text-decoration:none;
  display:block;
}
.wordmark .brand{
  font-family:var(--font-display);
  font-weight:600;
  font-size:20px;
  letter-spacing:0.04em;
  color:var(--ink);
}
.wordmark .sub{
  display:block;
  font-family:var(--font-sans);
  font-size:10px;
  font-weight:600;
  letter-spacing:0.16em;
  color:var(--gold);
  margin-top:3px;
}
nav.main-nav ul{
  list-style:none;
  display:flex;
  gap:36px;
  margin:0;
  padding:0;
}
nav.main-nav a{
  font-family:var(--font-sans);
  font-size:12px;
  font-weight:600;
  letter-spacing:0.12em;
  text-transform:uppercase;
  text-decoration:none;
  color:var(--ink);
  padding-bottom:4px;
  border-bottom:1px solid transparent;
}
nav.main-nav a.active,
nav.main-nav a:hover{
  color:var(--gold);
  border-bottom-color:var(--gold);
}

/* ---------- Hero ---------- */
.hero{
  position:relative;
  background:var(--cream);
  overflow:hidden;
  border-bottom:1px solid var(--hairline);
}
.hero::after{
  content:"";
  position:absolute;
  top:-20%;
  right:-10%;
  width:520px;
  height:520px;
  background:radial-gradient(circle, rgba(201,166,104,0.16) 0%, rgba(201,166,104,0) 70%);
  pointer-events:none;
}
.hero .wrap{
  position:relative;
  padding-top:90px;
  padding-bottom:90px;
}
.hero .eyebrow{
  margin-bottom:22px;
  opacity:0;
  animation:rise 0.9s ease 0.15s 1 normal forwards;
}
.hero h1{
  font-size:52px;
  line-height:1.15;
  max-width:820px;
  opacity:0;
  animation:rise 1s ease 0.3s 1 normal forwards;
}
.hero .lede{
  margin-top:26px;
  max-width:560px;
  font-size:18px;
  opacity:0;
  animation:rise 1s ease 0.5s 1 normal forwards;
}

/* On-load hero animation: fade + 18px rise, staggered eyebrow -> headline -> lede.
   Whole elements animate together (no per-word or per-letter sequencing). */
@keyframes rise{
  0%{opacity:0; transform:translateY(18px);}
  100%{opacity:1; transform:translateY(0);}
}

/* Respect a reduced-motion preference: no movement, and the text must still be
   visible — the animation is what reveals it, so opacity is reset explicitly. */
@media (prefers-reduced-motion: reduce){
  .hero .eyebrow,
  .hero h1,
  .hero .lede{
    animation:none;
    opacity:1;
    transform:none;
  }
}

/* ---------- Generic section ---------- */
section{
  padding:88px 0;
  border-bottom:1px solid var(--hairline);
}
section.alt{background:var(--beige);}
section:last-of-type{border-bottom:none;}

.section-head{margin-bottom:44px;}
.section-head .eyebrow{margin-bottom:16px;}
.section-head h2{
  font-size:32px;
  line-height:1.25;
  max-width:640px;
}

.prose{max-width:720px;}

/* ---------- Card grid (01/02/03) ---------- */
.card-grid{
  display:grid;
  grid-template-columns:repeat(3, 1fr);
  border:1px solid var(--hairline);
}
.card{
  padding:34px 32px;
  border-left:1px solid var(--hairline);
}
.card:first-child{border-left:none;}
.card .num{
  font-family:var(--font-sans);
  font-size:13px;
  font-weight:600;
  color:var(--gold);
  letter-spacing:0.08em;
  margin-bottom:14px;
}
.card h3{
  font-size:20px;
  margin-bottom:12px;
}
.card p{font-size:15.5px;}
.card-grid.cols-4{grid-template-columns:repeat(4, 1fr);}
.card-grid.cols-4 .card{padding:30px 26px;}
.card-grid.cols-4 .card h3{font-size:18px;}
.card-grid.cols-4 .card p{font-size:14.5px;}
.card-grid + .sequence-note{margin-top:26px;}

/* ---------- Split: text + label column ---------- */
.split{
  display:grid;
  grid-template-columns:1.5fr 1fr;
  gap:64px;
  align-items:start;
}
.split .col-text h2{
  font-size:30px;
  line-height:1.25;
  margin-bottom:22px;
}
.facts{
  border-left:1px solid var(--gold);
  padding-left:26px;
  display:flex;
  flex-direction:column;
  gap:24px;
}
.facts .fact .label{
  font-family:var(--font-sans);
  font-size:11px;
  font-weight:600;
  letter-spacing:0.14em;
  text-transform:uppercase;
  color:var(--gold);
  margin-bottom:6px;
}
.facts .fact .value{
  font-size:16px;
  color:var(--ink);
}
.facts .fact .value a{
  color:var(--ink);
  text-decoration:underline;
  text-decoration-color:var(--gold-soft);
}

/* ---------- Numbered sequence (I / II / III) ---------- */
.sequence .seq-item{
  display:grid;
  grid-template-columns:60px 1fr;
  gap:24px;
  padding:30px 0;
  border-top:1px solid var(--hairline);
}
.sequence .seq-item:last-child{border-bottom:1px solid var(--hairline);}
.sequence .roman{
  font-family:var(--font-sans);
  font-size:13px;
  font-weight:600;
  color:var(--gold);
  letter-spacing:0.08em;
  padding-top:4px;
}
.sequence h3{
  font-size:20px;
  margin-bottom:10px;
}
.sequence p{font-size:15.5px; max-width:640px;}
.sequence-note{
  margin-top:30px;
  font-size:15px;
  max-width:640px;
}

/* ---------- Accordion (details/summary) ---------- */
.accordion{border-top:1px solid var(--hairline);}
.accordion details{border-bottom:1px solid var(--hairline);}
.accordion summary{
  list-style:none;
  cursor:pointer;
  display:flex;
  align-items:baseline;
  justify-content:space-between;
  gap:24px;
  padding:26px 4px;
}
.accordion summary::-webkit-details-marker{display:none;}
.accordion summary h3{
  font-size:21px;
  font-weight:500;
}
.accordion summary .acc-mark{
  font-family:var(--font-sans);
  font-size:16px;
  font-weight:400;
  color:var(--gold);
  flex:none;
  width:18px;
  text-align:center;
}
.accordion summary .acc-mark::before{content:"+";}
.accordion details[open] summary .acc-mark::before{content:"\2212";}
.accordion summary:hover h3{color:var(--gold);}
.accordion .acc-body{
  padding:0 4px 30px 4px;
  max-width:720px;
}
.accordion .acc-body p{font-size:16px;}

/* ---------- Service groups (two-column bold heading + list) ---------- */
.svc-cols{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:44px 64px;
}
.svc-group h4{
  font-family:var(--font-sans);
  font-size:12px;
  font-weight:600;
  letter-spacing:0.14em;
  text-transform:uppercase;
  color:var(--ink);
  margin:0 0 14px 0;
}
.svc-group ul{
  list-style:none;
  margin:0;
  padding:0;
}
.svc-group li{
  position:relative;
  padding:7px 0 7px 22px;
  font-size:15.5px;
  color:var(--body);
  border-top:1px solid var(--hairline);
}
.svc-group li::before{
  content:"";
  position:absolute;
  left:2px;
  top:18px;
  width:8px;
  height:1px;
  background:var(--gold);
}

/* ---------- Client-type grid ---------- */
.clients-grid{
  display:grid;
  grid-template-columns:repeat(3, 1fr);
  border:1px solid var(--hairline);
}
.clients-grid .client{
  padding:26px 24px;
  border-left:1px solid var(--hairline);
  border-top:1px solid var(--hairline);
  font-family:var(--font-sans);
  font-size:12.5px;
  font-weight:600;
  letter-spacing:0.12em;
  text-transform:uppercase;
  color:var(--ink);
}
.clients-grid .client:nth-child(3n+1){border-left:none;}
.clients-grid .client:nth-child(-n+3){border-top:none;}

/* ---------- Notice box (Insights shell) ---------- */
.notice{
  border:1px solid var(--hairline);
  border-left:2px solid var(--gold);
  background:var(--beige);
  padding:22px 26px;
  max-width:720px;
}
.notice p{
  font-family:var(--font-sans);
  font-size:13.5px;
  line-height:1.7;
  margin-bottom:10px;
}
.notice p:last-child{margin-bottom:0;}

/* ---------- Insight placeholder cards ---------- */
.insight-grid{
  display:grid;
  grid-template-columns:repeat(3, 1fr);
  gap:28px;
}
.insight-card{
  border:1px solid var(--hairline);
  padding:28px 26px;
  display:flex;
  flex-direction:column;
  gap:12px;
  background:rgba(255,255,255,0.35);
}
.insight-card .eyebrow{font-size:11px;}
.insight-card h3{font-size:19px; line-height:1.35;}
.insight-card p{font-size:14.5px; margin:0;}
.insight-card .tag{
  margin-top:auto;
  align-self:flex-start;
  font-family:var(--font-sans);
  font-size:10.5px;
  font-weight:600;
  letter-spacing:0.14em;
  text-transform:uppercase;
  color:var(--body);
  border:1px solid var(--hairline);
  padding:5px 10px;
}

/* ---------- Contact / intake form ---------- */
.form-panel{
  border:1px solid var(--hairline);
  background:var(--beige);
  padding:34px 32px;
}
.form-panel h3{
  font-size:22px;
  margin-bottom:20px;
}
.form-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:18px 20px;
}
.form-field{display:flex; flex-direction:column; gap:7px;}
.form-field.full{grid-column:1 / -1;}
.form-field label{
  font-family:var(--font-sans);
  font-size:11px;
  font-weight:600;
  letter-spacing:0.12em;
  text-transform:uppercase;
  color:var(--ink);
}
.form-field label .req{color:var(--gold);}
.form-field input{
  font-family:var(--font-body);
  font-size:16px;
  color:var(--ink);
  background:var(--cream);
  border:1px solid var(--hairline);
  padding:11px 13px;
  border-radius:0;
  width:100%;
}
.form-field input:focus{
  outline:none;
  border-color:var(--gold);
}
.btn{
  display:inline-block;
  font-family:var(--font-sans);
  font-size:12px;
  font-weight:600;
  letter-spacing:0.14em;
  text-transform:uppercase;
  color:var(--cream);
  background:var(--ink);
  border:1px solid var(--ink);
  padding:14px 28px;
  cursor:pointer;
  margin-top:22px;
}
.btn:hover{
  background:var(--gold);
  border-color:var(--gold);
}
.form-note{
  margin-top:18px;
  font-family:var(--font-sans);
  font-size:12.5px;
  line-height:1.65;
  color:var(--body);
}

/* ---------- Divider rule ---------- */
.rule-break{
  width:24px;
  height:1px;
  background:var(--gold);
  margin:0 auto 46px auto;
}
.centered-note{
  max-width:520px;
  margin:0 auto;
  text-align:left;
}
.centered-note p{font-size:16px;}

/* ---------- Footer ---------- */
footer.site-footer{
  background:var(--footer-bg);
  color:var(--footer-text);
  padding-top:56px;
  padding-bottom:44px;
}
/* Plain factual registration line — deliberately not a badge. */
.reg-line{
  font-family:var(--font-sans);
  font-size:12px;
  letter-spacing:0.04em;
  color:#8f8a7e;
  margin:0 0 34px 0;
}
.footer-row{
  display:flex;
  justify-content:space-between;
  align-items:flex-start;
  flex-wrap:wrap;
  gap:24px;
  margin-bottom:34px;
}
footer .wordmark .brand{color:#f4efe6;}
footer .wordmark .sub{color:var(--gold-soft);}
footer nav.main-nav a{color:#e6e1d6;}
footer nav.main-nav a.active,
footer nav.main-nav a:hover{color:var(--gold-soft); border-bottom-color:var(--gold-soft);}
.footer-hair{
  border-top:1px solid var(--footer-hair);
  margin-bottom:26px;
}
.footer-links{
  font-family:var(--font-sans);
  font-size:12px;
  letter-spacing:0.03em;
  margin-bottom:22px;
}
.footer-links a{
  color:#c9c4ba;
  text-decoration:underline;
  text-decoration-color:rgba(201,166,104,0.5);
}
.footer-links a:hover{color:var(--gold-soft);}
.footer-links .sep{color:#847e70; margin:0 10px;}
.legal{
  font-family:var(--font-sans);
  font-size:12.5px;
  line-height:1.7;
  color:#a29c8f;
  max-width:760px;
}
.legal p{
  color:#a29c8f;
  margin-bottom:14px;
}
.legal a{color:#a29c8f;}
.legal .copyright{
  font-size:11.5px;
  color:#847e70;
}

/* ---------- Responsive ---------- */
@media (max-width: 1100px) and (min-width: 881px){
  .card-grid.cols-4{grid-template-columns:repeat(2, 1fr);}
  .card-grid.cols-4 .card{border-top:1px solid var(--hairline);}
  .card-grid.cols-4 .card:nth-child(-n+2){border-top:none;}
  .card-grid.cols-4 .card:nth-child(odd){border-left:none;}
}
@media (max-width: 880px){
  .wrap{padding:0 24px;}
  header.site-header .wrap{flex-direction:column; align-items:flex-start; gap:18px;}
  nav.main-nav ul{gap:20px; flex-wrap:wrap;}
  .hero h1{font-size:38px;}
  .card-grid, .card-grid.cols-4{grid-template-columns:1fr;}
  .card{border-left:none; border-top:1px solid var(--hairline);}
  .card:first-child{border-top:none;}
  .split{grid-template-columns:1fr; gap:36px;}
  .facts{border-left:none; border-top:1px solid var(--gold); padding-left:0; padding-top:20px;}
  .sequence .seq-item{grid-template-columns:1fr; gap:8px;}
  .footer-row{flex-direction:column;}
  .svc-cols{grid-template-columns:1fr; gap:36px;}
  .clients-grid{grid-template-columns:1fr;}
  .clients-grid .client{border-left:none; border-top:1px solid var(--hairline);}
  .clients-grid .client:first-child{border-top:none;}
  .insight-grid{grid-template-columns:1fr;}
  .form-grid{grid-template-columns:1fr;}
  .form-field{grid-column:1 / -1;}
}

/* ---------- Brand mark (logo) ---------- */
.wordmark{display:flex; align-items:center; gap:14px;}
.wordmark .mark{
  display:block;
  height:46px;
  width:auto;
  flex:none;
}
.wordmark .text{display:block;}
footer .wordmark .mark{height:40px;}

/* ---------- Home hero with logo ---------- */
.hero.has-art .wrap{
  display:grid;
  grid-template-columns:1fr auto;
  gap:48px;
  align-items:center;
}
.hero .hero-art{
  opacity:0;
  animation:rise 1.1s ease 0.55s 1 normal forwards;
}
.hero .hero-art img{
  display:block;
  width:340px;
  max-width:100%;
  height:auto;
}
@media (prefers-reduced-motion: reduce){
  .hero .hero-art{animation:none; opacity:1; transform:none;}
}

/* ---------- Insight cards as links ---------- */
a.insight-card{
  text-decoration:none;
  color:inherit;
  transition:border-color 0.25s ease, transform 0.25s ease, background 0.25s ease;
}
a.insight-card:hover{
  border-color:var(--gold);
  background:rgba(255,255,255,0.7);
  transform:translateY(-2px);
}
a.insight-card:hover h3{color:var(--gold);}
.insight-card .read{
  margin-top:auto;
  align-self:flex-start;
  font-family:var(--font-sans);
  font-size:11px;
  font-weight:600;
  letter-spacing:0.14em;
  text-transform:uppercase;
  color:var(--ink);
  padding-top:14px;
  border-top:1px solid var(--gold);
}
a.insight-card:hover .read{color:var(--gold);}

/* ---------- Insight article pages ---------- */
.hero.article-hero .lede{max-width:640px;}
.article-meta{
  display:flex;
  flex-wrap:wrap;
  gap:36px;
  margin-top:40px;
  padding-top:26px;
  border-top:1px solid var(--hairline);
  opacity:0;
  animation:rise 1s ease 0.7s 1 normal forwards;
}
@media (prefers-reduced-motion: reduce){ .article-meta{animation:none; opacity:1;} }
.article-meta .m .label{
  font-family:var(--font-sans);
  font-size:11px;
  font-weight:600;
  letter-spacing:0.14em;
  text-transform:uppercase;
  color:var(--gold);
  margin-bottom:5px;
}
.article-meta .m .value{font-size:15.5px; color:var(--ink);}

.article-layout{
  display:grid;
  grid-template-columns:220px minmax(0, 1fr);
  gap:72px;
  align-items:start;
}
.article-toc{
  position:sticky;
  top:32px;
  border-left:1px solid var(--gold);
  padding-left:22px;
}
.article-toc .eyebrow{margin-bottom:14px;}
.article-toc ol{list-style:none; margin:0; padding:0;}
.article-toc li{margin:0 0 10px 0;}
.article-toc a{
  font-family:var(--font-sans);
  font-size:13px;
  line-height:1.5;
  text-decoration:none;
  color:var(--body);
}
.article-toc a:hover, .article-toc a.active{color:var(--gold);}
.article-toc .back{
  display:inline-block;
  margin-top:26px;
  font-family:var(--font-sans);
  font-size:11px;
  font-weight:600;
  letter-spacing:0.14em;
  text-transform:uppercase;
  color:var(--ink);
  text-decoration:none;
  border-bottom:1px solid var(--gold);
  padding-bottom:3px;
}
.article-toc .back:hover{color:var(--gold);}

.article-body{max-width:720px;}
.article-body .brief{
  border:1px solid var(--hairline);
  border-left:2px solid var(--gold);
  background:var(--beige);
  padding:26px 30px;
  margin-bottom:56px;
}
.article-body .brief .eyebrow{margin-bottom:12px;}
.article-body .brief p{
  font-family:var(--font-display);
  font-size:20px;
  line-height:1.55;
  color:var(--ink);
}
.article-section{
  padding:0 0 48px 0;
  margin-bottom:48px;
  border-bottom:1px solid var(--hairline);
  scroll-margin-top:24px;
}
.article-section:last-of-type{border-bottom:none; margin-bottom:0; padding-bottom:0;}
.article-section .num{
  font-family:var(--font-sans);
  font-size:12px;
  font-weight:600;
  letter-spacing:0.16em;
  color:var(--gold);
  margin-bottom:12px;
}
.article-section h2{
  font-size:28px;
  line-height:1.25;
  margin-bottom:20px;
}
.article-section p{font-size:17px;}
.article-section ul{
  list-style:none;
  margin:6px 0 22px 0;
  padding:0;
}
.article-section ul li{
  position:relative;
  padding:9px 0 9px 24px;
  color:var(--body);
  border-top:1px solid var(--hairline);
  font-size:16px;
}
.article-section ul li:last-child{border-bottom:1px solid var(--hairline);}
.article-section ul li::before{
  content:"";
  position:absolute;
  left:2px;
  top:21px;
  width:8px;
  height:1px;
  background:var(--gold);
}
.article-section ul li strong{color:var(--ink); font-weight:600;}
.consider{
  border:1px solid var(--hairline);
  padding:30px 32px;
  background:rgba(255,255,255,0.4);
}
.consider .eyebrow{margin-bottom:16px;}
.consider ol{
  list-style:none;
  margin:0;
  padding:0;
  counter-reset:q;
}
.consider ol li{
  counter-increment:q;
  position:relative;
  padding:12px 0 12px 44px;
  border-top:1px solid var(--hairline);
  color:var(--ink);
  font-size:16.5px;
  line-height:1.6;
}
.consider ol li:first-child{border-top:none; padding-top:0;}
.consider ol li:first-child::before{top:2px;}
.consider ol li::before{
  content:counter(q, decimal-leading-zero);
  position:absolute;
  left:0;
  top:14px;
  font-family:var(--font-sans);
  font-size:12px;
  font-weight:600;
  letter-spacing:0.08em;
  color:var(--gold);
}
.firm-note{
  border-top:1px solid var(--gold);
  padding-top:26px;
}
.firm-note p{font-size:16px;}
.article-disclosure{
  margin-top:56px;
  padding-top:26px;
  border-top:1px solid var(--hairline);
}
.article-disclosure .eyebrow{margin-bottom:12px; color:var(--body);}
.article-disclosure p{
  font-family:var(--font-sans);
  font-size:12.5px;
  line-height:1.7;
  color:var(--body);
}
.article-nav{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:28px;
}
.article-nav a{
  display:flex;
  flex-direction:column;
  gap:8px;
  border:1px solid var(--hairline);
  padding:26px 28px;
  text-decoration:none;
  color:inherit;
  background:rgba(255,255,255,0.35);
  transition:border-color 0.25s ease, background 0.25s ease;
}
.article-nav a:hover{border-color:var(--gold); background:rgba(255,255,255,0.7);}
.article-nav a .eyebrow{font-size:11px;}
.article-nav a .title{
  font-family:var(--font-display);
  font-size:20px;
  line-height:1.35;
  color:var(--ink);
}
.article-nav a:hover .title{color:var(--gold);}
.article-nav a.next{text-align:right; align-items:flex-end;}

/* ---------- Form additions: honeypot, status ---------- */
/* Honeypot: off-screen, never display:none (bots skip hidden inputs). */
.hp-field{
  position:absolute;
  left:-10000px;
  top:auto;
  width:1px;
  height:1px;
  overflow:hidden;
}
.form-status{
  margin-top:18px;
  font-family:var(--font-sans);
  font-size:13px;
  line-height:1.6;
  color:var(--ink);
  padding:13px 15px;
  border:1px solid var(--hairline);
  background:var(--cream);
}
.form-status.ok{border-color:var(--gold);}
.form-status.err{border-color:rgba(160,70,60,0.6);}
.btn[disabled]{opacity:0.7; cursor:default;}
.form-field label .opt{
  font-weight:400;
  letter-spacing:0.06em;
  text-transform:none;
  color:var(--body);
}

@media (max-width: 880px){
  .wordmark .mark{height:40px;}
  .hero.has-art .wrap{grid-template-columns:1fr; gap:36px;}
  .hero .hero-art img{width:220px;}
  .article-layout{grid-template-columns:1fr; gap:40px;}
  .article-toc{position:static; border-left:none; border-top:1px solid var(--gold); padding-left:0; padding-top:18px;}
  .article-toc ol{display:flex; flex-wrap:wrap; gap:6px 18px;}
  .article-toc li{margin:0;}
  .article-nav{grid-template-columns:1fr;}
  .article-nav a.next{text-align:left; align-items:flex-start;}
  .article-section h2{font-size:24px;}
}