:root {
  --terracotta: #c45d2e;
  --terracotta-dark: #a14a23;
  --ink: #1f1a14;
  --muted: #544a3e;
  --line: #dcd5c5;
  --bg: #fcfaf5;
  --soft: #f5f0e6;
  --dark: #2a3441;
  --accent: #c45d2e;
}
* { box-sizing: border-box; }
body {
  margin: 0;
  font-family: 'Inter', sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.55;
}
a { color: var(--terracotta); text-decoration: none; }
a:hover { text-decoration: underline; }
header {
  position: sticky; top: 0;
  background: rgba(255,255,255,0.96);
  -webkit-backdrop-filter: blur(8px); backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
  color: var(--ink);
  padding: 16px 32px;
  z-index: 100;
}
header a { color: var(--ink); }
.logo { color: var(--ink) !important; }
.nav {
  display: flex;
  justify-content: space-between;
  gap: 24px;
  align-items: center;
  max-width: 1180px;
  margin: 0 auto;
}
.logo {
  font-weight: 700;
  font-size: 18px;
  letter-spacing: .2px;
}
.navlinks {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  font-size: 14px;
}
.hero {
  background: #fff;
  color: var(--ink);
  padding: 80px 32px 70px;
  border-bottom: 1px solid var(--line);
}
.hero-inner {
  max-width: 1180px;
  margin: 0 auto;
}
.eyebrow {
  text-transform: uppercase;
  letter-spacing: .12em;
  font-size: 13px;
  color: var(--terracotta);
  font-weight: 700;
}
h1 {
  font-size: 50px;
  line-height: 1.05;
  margin: 14px 0 20px;
  max-width: 940px;
}
.hero p {
  max-width: 780px;
  font-size: 20px;
  color: var(--muted);
}
.button-row {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-top: 28px;
}
.btn {
  display: inline-block;
  background: var(--terracotta);
  color: #fff;
  padding: 13px 22px;
  border-radius: 8px;
  font-weight: 700;
}
.btn:hover { background: var(--terracotta-dark); text-decoration: none; }
.btn.secondary {
  background: transparent;
  color: var(--ink);
  border: 1px solid var(--line);
}
.btn.secondary:hover { border-color: var(--terracotta); color: var(--terracotta); text-decoration: none; }
main {
  max-width: 1180px;
  margin: 0 auto;
  padding: 42px 32px 80px;
}
.section {
  margin: 46px 0;
}
.grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0,1fr));
  gap: 18px;
}
.grid.two {
  grid-template-columns: repeat(2, minmax(0,1fr));
}
.card {
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 22px;
  background: #fff;
}
.card.soft { background: var(--soft); }
.card h3 {
  margin-top: 0;
  font-size: 21px;
}
.card p { color: var(--muted); }
h2 {
  font-size: 34px;
  margin: 0 0 14px;
  line-height: 1.15;
}
h3 { font-size: 24px; margin-top: 34px; }
p.lead {
  color: var(--muted);
  max-width: 880px;
  font-size: 18px;
}
table {
  width: 100%;
  border-collapse: collapse;
  margin: 22px 0;
  font-size: 15px;
}
th, td {
  border: 1px solid var(--line);
  padding: 12px;
  text-align: left;
  vertical-align: top;
}
th { background: var(--soft); }
.callout {
  border-left: 5px solid var(--accent);
  background: var(--soft);
  padding: 20px 22px;
  border-radius: 10px;
  margin: 28px 0;
}
.cta {
  background: var(--dark);
  color: white;
  padding: 34px;
  border-radius: 18px;
  margin: 46px 0;
}
.cta p { color: #dcd5c5; }
.cta .btn { margin-top: 12px; }
ul.clean { padding-left: 22px; }
.footer {
  background: #1f1a14;
  color: #dcd5c5;
  padding: 34px 32px;
}
.footer-inner {
  max-width: 1180px;
  margin: 0 auto;
}
.tool-box {
  border: 1px solid var(--line);
  background: var(--soft);
  border-radius: 12px;
  padding: 18px;
  margin: 18px 0;
}
pre {
  background: #f5f0e6;
  border-radius: 8px;
  padding: 18px;
  overflow: auto;
}
@media (max-width: 800px) {
  h1 { font-size: 38px; }
  .grid, .grid.two { grid-template-columns: 1fr; }
  .nav { align-items: flex-start; flex-direction: column; }
}

/* Capital Advisors heading font */
h1, h2, h3 { font-family: 'Source Serif 4', Georgia, serif; font-weight: 600; }

/* ===== branded nav (matches index) ===== */
.nav{position:sticky;top:0;background:rgba(252,250,245,0.96);-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);border-bottom:1px solid var(--line);z-index:100;padding:0;}
.nav-inner{max-width:1180px;margin:0 auto;padding:14px 32px;display:flex;justify-content:space-between;align-items:center;gap:24px;}
.nav .brand span{color:#6b6256;}
.nav-links{display:flex;gap:18px;flex-wrap:wrap;align-items:center;font-size:14px;}
.nav-links a{color:var(--ink);text-decoration:none;font-weight:500;}
.nav-links a:hover{color:var(--terracotta);text-decoration:none;}
.nav-links a.nav-cta{background:var(--terracotta);color:#fff;padding:9px 16px;border-radius:8px;font-weight:600;}
.nav-links a.nav-cta:hover{background:var(--terracotta-dark);color:#fff;}
.menu-btn{display:none;background:none;border:0;font-size:22px;cursor:pointer;color:var(--ink);}
@media(max-width:820px){.menu-btn{display:block;}.nav-links{display:none;width:100%;flex-direction:column;}.nav-links.open{display:flex;}}