/* ============================================================
   Capital Advisors — EOS Finance Resource Center
   Uses the main Capital Advisors palette and typography
   ============================================================ */
:root{
  --ink:#1f1a14;
  --ink-soft:#544a3e;
  --paper:#fcfaf5;
  --paper-warm:#f5f0e6;
  --card:#ffffff;
  --accent:#c45d2e;
  --accent-deep:#a14a23;
  --gold:#c45d2e;
  --line:#dcd5c5;
  --line-dark:#c4b89f;
  --green:#3f6b3a;
  --red:#c45d2e;
  --navy:#2a3441;
  --shadow:rgba(46,38,28,.14);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:"Inter","Spline Sans",system-ui,sans-serif;
  background:var(--paper);color:var(--ink);line-height:1.6;-webkit-font-smoothing:antialiased;
}

.serif{font-family:"Source Serif 4",Georgia,serif}
.read{font-family:"Source Serif 4",Georgia,serif}
a{color:var(--accent)}

/* NAV */
header.nav{position:sticky;top:0;z-index:1000;background:rgba(244,239,230,.88);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav-inner{max-width:1240px;margin:0 auto;padding:.7rem 1.6rem;display:flex;align-items:center;justify-content:space-between;gap:1rem}
.brand{display:flex;align-items:center;gap:.7rem;text-decoration:none;color:var(--ink)}
.brand .mark{width:38px;height:38px;border-radius:50%;background:var(--accent);color:#f4efe6;display:grid;place-items:center;font-family:"Source Serif 4",Georgia,serif;font-weight:900;font-size:1.25rem;box-shadow:0 3px 10px rgba(196,93,46,.35)}
.brand .bt{font-family:"Source Serif 4",Georgia,serif;font-weight:600;font-size:1.05rem;line-height:1.05}
.brand .bt small{display:block;font-family:"Spline Sans",sans-serif;font-weight:500;font-size:.62rem;letter-spacing:.14em;text-transform:uppercase;color:var(--accent);margin-top:2px}
.nav-links{display:flex;gap:.3rem;flex-wrap:wrap;align-items:center}
.nav-links a{text-decoration:none;color:var(--ink-soft);font-size:.82rem;font-weight:500;padding:.4rem .6rem;border-radius:6px;transition:.2s;white-space:nowrap}
.nav-links a:hover,.nav-links a.active{color:var(--accent);background:var(--paper-warm)}
.nav-cta{background:var(--accent);color:#f4efe6 !important;font-weight:600 !important;padding:.5rem .9rem !important;border-radius:7px}
.nav-cta:hover{background:var(--accent-deep) !important}
.menu-btn{display:none;background:none;border:1px solid var(--line-dark);border-radius:6px;padding:.45rem .6rem;font-size:1.1rem;cursor:pointer;color:var(--ink)}
@media(max-width:1040px){
  .nav-links{display:none;position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;background:var(--card);border-bottom:1px solid var(--line);padding:.7rem 1.6rem 1.1rem}
  .nav-links.open{display:flex}
  .nav-links a{padding:.6rem .4rem;border-bottom:1px solid var(--line)}
  .menu-btn{display:block}
}

/* LAYOUT */
.wrap{max-width:1180px;margin:0 auto;padding:0 1.6rem}
.narrow{max-width:820px;margin:0 auto;padding:0 1.6rem}
.kicker{font-size:.72rem;letter-spacing:.22em;text-transform:uppercase;font-weight:600;color:var(--accent);display:flex;align-items:center;gap:.7rem;margin-bottom:1.1rem}
.kicker::before{content:"";width:34px;height:2px;background:var(--accent)}

/* HERO (home) */
.hero{position:relative;overflow:hidden;padding:3.5rem 0 3rem;border-bottom:1px solid var(--line);background:linear-gradient(180deg,var(--paper-warm),transparent 60%)}
.hero .deco-num{position:absolute;right:-2%;top:-8%;font-family:"Source Serif 4",Georgia,serif;font-weight:900;font-size:clamp(8rem,16vw,14rem);color:rgba(196,93,46,.06);line-height:.8;pointer-events:none;z-index:0;font-style:italic}
.hero .wrap{position:relative;z-index:1}
.hero h1{font-family:"Source Serif 4",Georgia,serif;font-weight:600;font-size:clamp(1.8rem,3.5vw,2.6rem);line-height:1.1;letter-spacing:-.015em;max-width:24ch;margin-bottom:1.2rem}
.hero h1 em{font-style:italic;color:var(--accent);font-weight:500}
.hero .lede{font-family:"Source Serif 4",Georgia,serif;font-size:clamp(1rem,1.4vw,1.15rem);line-height:1.55;color:var(--ink-soft);max-width:60ch;margin-bottom:2rem}
.hero-tags{display:flex;flex-wrap:wrap;gap:.7rem 1.5rem;align-items:center}
.htag{display:flex;align-items:baseline;gap:.5rem}
.htag span{font-size:.66rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);font-weight:600}
.htag strong{font-family:"Source Serif 4",Georgia,serif;font-weight:500;font-size:1.05rem}

/* BUTTONS */
.btn{display:inline-flex;align-items:center;gap:.55rem;text-decoration:none;font-weight:600;font-size:.92rem;padding:.85rem 1.5rem;border-radius:9px;transition:.22s;cursor:pointer;border:none;font-family:"Spline Sans",sans-serif}
.btn-primary{background:var(--accent);color:#f4efe6;box-shadow:0 5px 18px rgba(196,93,46,.28)}
.btn-primary:hover{background:var(--accent-deep);transform:translateY(-2px);box-shadow:0 9px 24px rgba(196,93,46,.34)}
.btn-ghost{background:transparent;color:var(--ink);border:1.5px solid var(--line-dark)}
.btn-ghost:hover{border-color:var(--accent);color:var(--accent);background:var(--card)}
.btn .arr{transition:transform .22s}.btn:hover .arr{transform:translateX(4px)}
.cta-row{display:flex;gap:.9rem;flex-wrap:wrap}

/* SECTIONS (home) */
.sec{padding:3rem 0;border-bottom:1px solid var(--line)}
.sec-num{font-family:"Source Serif 4",Georgia,serif;font-style:italic;font-weight:500;font-size:1rem;color:var(--accent);margin-bottom:.4rem}
.sec h2{font-family:"Source Serif 4",Georgia,serif;font-weight:600;font-size:clamp(1.4rem,2.2vw,1.8rem);line-height:1.15;letter-spacing:-.01em;max-width:28ch;margin-bottom:0.9rem}
.sec h2 em{font-style:italic;color:var(--accent)}
.sec .sub{font-family:"Source Serif 4",Georgia,serif;font-size:1rem;line-height:1.6;color:var(--ink-soft);max-width:62ch}

/* AUDIENCE SPLIT */
.split{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem;margin-top:2.8rem}
@media(max-width:760px){.split{grid-template-columns:1fr}}
.acard{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:2.2rem;position:relative;overflow:hidden;transition:.25s;text-decoration:none;color:inherit;display:block}
.acard::after{content:"";position:absolute;top:0;left:0;width:100%;height:4px;background:var(--accent);transform:scaleX(0);transform-origin:left;transition:.3s}
.acard:hover{transform:translateY(-4px);box-shadow:0 16px 40px var(--shadow);border-color:var(--line-dark)}
.acard:hover::after{transform:scaleX(1)}
.acard .tag{font-size:.68rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:600;margin-bottom:1rem}
.acard h3{font-family:"Source Serif 4",Georgia,serif;font-weight:600;font-size:1.25rem;line-height:1.15;margin-bottom:.7rem}
.acard p{font-family:"Source Serif 4",Georgia,serif;font-size:0.95rem;color:var(--ink-soft);margin-bottom:1.2rem}
.acard .lk{color:var(--accent);font-weight:600;font-size:.9rem;display:inline-flex;align-items:center;gap:.4rem}
.acard:hover .lk{gap:.7rem}

/* LIBRARY GRID */
.lib{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem;margin-top:2.6rem}
@media(max-width:900px){.lib{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.lib{grid-template-columns:1fr}}
.lcard{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:1.6rem;transition:.22s;display:flex;flex-direction:column;gap:.6rem;text-decoration:none;color:inherit}
.lcard:hover{transform:translateY(-3px);box-shadow:0 12px 30px var(--shadow);border-color:var(--accent)}
.lcard .ct{font-size:.64rem;letter-spacing:.15em;text-transform:uppercase;color:var(--accent);font-weight:600}
.lcard h4{font-family:"Source Serif 4",Georgia,serif;font-weight:600;font-size:1.18rem;line-height:1.15}
.lcard p{font-family:"Source Serif 4",Georgia,serif;font-size:.98rem;color:var(--ink-soft);line-height:1.5}

/* ARTICLE PAGES */
.article-head{padding:3rem 0 0}
.crumb-nav{font-size:.7rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);font-weight:600;margin-bottom:1rem}
.crumb-nav a{color:var(--gold);text-decoration:none}.crumb-nav a:hover{text-decoration:underline}
.crumb-nav span{color:var(--ink-soft)}
.article-body{padding:1.5rem 0 4rem}
.article-body h1{font-family:"Source Serif 4",Georgia,serif;font-weight:600;font-size:clamp(1.5rem,2.5vw,1.9rem);line-height:1.15;letter-spacing:-.01em;max-width:28ch;margin-bottom:1.2rem}
.article-body h1 em{font-style:italic;color:var(--accent)}
.article-body h2{font-family:"Source Serif 4",Georgia,serif;font-weight:600;font-size:1.2rem;margin:2.4rem 0 .9rem}
.article-body h3{font-family:"Source Serif 4",Georgia,serif;font-weight:600;font-size:1.22rem;margin:1.6rem 0 .6rem}
.article-body p{font-family:"Source Serif 4",Georgia,serif;font-size:1.13rem;line-height:1.68;color:var(--ink-soft);margin-bottom:1.1rem;max-width:68ch}
.article-body p em{color:var(--ink);font-style:italic}
.article-body strong{color:var(--ink);font-weight:600}

.quick{background:var(--card);border-left:4px solid var(--accent);border-radius:0 12px 12px 0;padding:1.6rem 1.8rem;margin:0 0 2rem;box-shadow:0 6px 20px var(--shadow)}
.quick .qt{font-size:.68rem;letter-spacing:.2em;text-transform:uppercase;color:var(--accent);font-weight:700;margin-bottom:.6rem}
.quick p{font-family:"Source Serif 4",Georgia,serif;font-size:1.08rem;line-height:1.6;color:var(--ink);margin:0;max-width:none}

.callout{background:linear-gradient(135deg,var(--paper-warm),var(--card));border:1px solid var(--line-dark);border-radius:12px;padding:1.6rem 1.8rem;margin:1.8rem 0}
.callout .ht{font-family:"Source Serif 4",Georgia,serif;font-weight:600;font-size:1.1rem;margin-bottom:.7rem;color:var(--accent-deep)}
.callout p{font-family:"Source Serif 4",Georgia,serif;font-size:1.02rem;line-height:1.55;margin:0;color:var(--ink-soft);max-width:none}

.pull{font-family:"Source Serif 4",Georgia,serif;font-style:italic;font-weight:500;font-size:clamp(1.05rem,1.8vw,1.4rem);line-height:1.3;color:var(--accent-deep);border-top:2px solid var(--line-dark);border-bottom:2px solid var(--line-dark);padding:1.6rem 0;margin:2.2rem 0;max-width:24ch}

ol.styled,ul.styled{margin:1.2rem 0 1.6rem;padding-left:0;list-style:none}
ol.styled li,ul.styled li{font-family:"Source Serif 4",Georgia,serif;font-size:1.1rem;line-height:1.55;color:var(--ink-soft);padding:.55rem 0 .55rem 2.4rem;position:relative;border-bottom:1px dashed var(--line)}
ol.styled{counter-reset:c}
ol.styled li::before{counter-increment:c;content:counter(c,decimal-leading-zero);position:absolute;left:0;top:.55rem;font-family:"Source Serif 4",Georgia,serif;font-weight:700;color:var(--accent);font-size:.95rem}
ul.styled li::before{content:"";position:absolute;left:.4rem;top:1.25rem;width:7px;height:7px;background:var(--accent);border-radius:50%}

table.t{width:100%;border-collapse:collapse;margin:1.6rem 0;background:var(--card);border:1px solid var(--line);border-radius:10px;overflow:hidden;font-size:.95rem}
table.t th{background:var(--ink);color:var(--paper);text-align:left;padding:.85rem 1rem;font-family:"Spline Sans",sans-serif;font-weight:600;font-size:.78rem;letter-spacing:.05em;text-transform:uppercase}
table.t td{padding:.8rem 1rem;border-top:1px solid var(--line);font-family:"Source Serif 4",Georgia,serif;color:var(--ink-soft);vertical-align:top}
table.t tr:nth-child(even) td{background:rgba(236,227,212,.35)}
table.t td strong{color:var(--ink)}
.tscroll{overflow-x:auto}

.ladder{display:flex;flex-direction:column;gap:.7rem;margin:1.8rem 0}
.rung{display:grid;grid-template-columns:54px 1fr;gap:1.2rem;align-items:center;background:var(--card);border:1px solid var(--line);border-radius:10px;padding:1.1rem 1.3rem;transition:.2s}
.rung:hover{border-color:var(--accent);transform:translateX(6px)}
.rung .lvl{font-family:"Source Serif 4",Georgia,serif;font-weight:900;font-size:1.3rem;color:var(--paper);background:linear-gradient(135deg,var(--accent),var(--accent-deep));width:54px;height:54px;border-radius:10px;display:grid;place-items:center}
.rung h5{font-family:"Source Serif 4",Georgia,serif;font-weight:600;font-size:1.12rem;margin-bottom:.15rem}
.rung .or{font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);font-weight:600}
.rung .ans{font-family:"Source Serif 4",Georgia,serif;font-style:italic;color:var(--ink-soft);font-size:1rem;margin-top:.2rem}

.numgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;margin:1.8rem 0}
@media(max-width:820px){.numgrid{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.numgrid{grid-template-columns:1fr}}
.ncell{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:1.3rem;transition:.2s}
.ncell:hover{border-color:var(--accent);box-shadow:0 8px 20px var(--shadow)}
.ncell .nn{font-family:"Source Serif 4",Georgia,serif;font-style:italic;font-weight:700;color:var(--accent);font-size:1.1rem}
.ncell h5{font-family:"Source Serif 4",Georgia,serif;font-weight:600;font-size:1.05rem;margin:.3rem 0 .2rem}
.ncell small{font-family:"Source Serif 4",Georgia,serif;font-size:.92rem;color:var(--ink-soft);font-style:italic}

details.faq{border-bottom:1px solid var(--line);padding:.3rem 0}
details.faq summary{font-family:"Source Serif 4",Georgia,serif;font-weight:600;font-size:1.12rem;cursor:pointer;padding:.9rem 0;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:1rem;color:var(--ink)}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"+";font-family:"Spline Sans",sans-serif;color:var(--accent);font-size:1.5rem;font-weight:400;transition:.2s}
details.faq[open] summary::after{transform:rotate(45deg)}
details.faq p{font-family:"Source Serif 4",Georgia,serif;font-size:1.05rem;color:var(--ink-soft);padding-bottom:1rem;margin:0;line-height:1.6}

.toolchip{display:inline-flex;align-items:center;gap:.4rem;font-size:.8rem;font-weight:600;color:var(--accent-deep);background:var(--paper-warm);border:1px solid var(--line-dark);border-radius:30px;padding:.4rem .9rem;margin:.3rem .3rem 0 0}
.toolchip::before{content:"\25C6";color:var(--gold);font-size:.7rem}

.endcta{background:linear-gradient(135deg,var(--accent-deep),var(--accent));color:var(--paper);border-radius:14px;padding:2.4rem;margin-top:2.6rem}
.endcta h3{font-family:"Source Serif 4",Georgia,serif;font-weight:600;font-size:1.1rem;margin-bottom:.6rem;color:#f7f1e6}
.endcta p{font-family:"Source Serif 4",Georgia,serif;font-size:1.08rem;color:rgba(244,239,230,.85);margin-bottom:1.5rem;max-width:60ch}
.endcta .btn-primary{background:var(--paper);color:var(--accent-deep);box-shadow:none}
.endcta .btn-primary:hover{background:#fff;transform:translateY(-2px)}
.endcta .btn-ghost{border-color:rgba(244,239,230,.5);color:var(--paper)}
.endcta .btn-ghost:hover{border-color:var(--paper);background:rgba(244,239,230,.12);color:var(--paper)}

/* related links */
.related{margin-top:3rem;padding-top:2rem;border-top:1px solid var(--line)}
.related .rt{font-size:.7rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:600;margin-bottom:1.1rem}
.rgrid{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
@media(max-width:640px){.rgrid{grid-template-columns:1fr}}
.rlink{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:1.1rem 1.3rem;text-decoration:none;color:inherit;transition:.2s}
.rlink:hover{border-color:var(--accent);transform:translateY(-2px);box-shadow:0 8px 20px var(--shadow)}
.rlink .ct{font-size:.62rem;letter-spacing:.14em;text-transform:uppercase;color:var(--accent);font-weight:600}
.rlink h5{font-family:"Source Serif 4",Georgia,serif;font-weight:600;font-size:1.1rem;margin-top:.3rem}

/* DIAGNOSTIC */
.dstate{display:flex;justify-content:space-between;align-items:center;gap:1rem;background:var(--card);border:1px solid var(--line);border-radius:10px;padding:1rem 1.3rem;margin-bottom:.7rem;flex-wrap:wrap}
.dstate p{font-family:"Source Serif 4",Georgia,serif;font-size:1.05rem;color:var(--ink);margin:0;flex:1;min-width:240px}
.dopts{display:flex;gap:.4rem}
.dopts button{width:38px;height:38px;border-radius:8px;border:1.5px solid var(--line-dark);background:var(--paper);font-family:"Source Serif 4",Georgia,serif;font-weight:600;font-size:1rem;cursor:pointer;color:var(--ink-soft);transition:.15s}
.dopts button:hover{border-color:var(--accent)}
.dopts button.sel{background:var(--accent);color:var(--paper);border-color:var(--accent)}
.diag-result{background:linear-gradient(135deg,var(--paper-warm),var(--card));border:1px solid var(--line-dark);border-radius:14px;padding:2rem;margin-top:1.6rem;display:flex;align-items:center;gap:2rem;flex-wrap:wrap}
.diag-score{font-family:"Source Serif 4",Georgia,serif;font-weight:900;font-size:2.4rem;color:var(--accent);line-height:1;min-width:120px;text-align:center}
.diag-score small{display:block;font-size:.9rem;color:var(--ink-soft);font-weight:500;font-style:italic;margin-top:.3rem}
.diag-reading{flex:1;min-width:240px}
.diag-reading h4{font-family:"Source Serif 4",Georgia,serif;font-weight:600;font-size:1.3rem;margin-bottom:.4rem}
.diag-reading p{font-family:"Source Serif 4",Georgia,serif;font-size:1.05rem;color:var(--ink-soft);margin:0}

/* FOOTER */
footer{background:var(--ink);color:var(--paper);padding:3.5rem 0 2rem}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:2.5rem;margin-bottom:2.5rem}
@media(max-width:760px){.foot-grid{grid-template-columns:1fr}}
footer h5{font-family:"Spline Sans",sans-serif;font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-bottom:1rem}
footer .fbrand{font-family:"Source Serif 4",Georgia,serif;font-weight:600;font-size:1.4rem;margin-bottom:.7rem}
footer p{font-family:"Source Serif 4",Georgia,serif;color:rgba(244,239,230,.6);font-size:1rem;line-height:1.55;max-width:42ch}
footer .flinks{display:flex;flex-direction:column;gap:.5rem}
footer .flinks a{color:rgba(244,239,230,.78);text-decoration:none;font-size:.9rem;transition:.2s}
footer .flinks a:hover{color:var(--gold)}
.disclaimer{border-top:1px solid rgba(244,239,230,.15);padding-top:1.5rem;font-family:"Source Serif 4",Georgia,serif;font-size:.82rem;color:rgba(244,239,230,.45);line-height:1.55;max-width:none}

.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}