/* ============================================================
   Noble Accounting & Insurance — stylesheet
   ============================================================ */

:root{
  --ink:#14262a;
  --ink-soft:#48605f;
  --teal:#0d3b3e;
  --teal-deep:#082a2c;
  --teal-light:#1c5a5c;
  --gold:#b8862b;
  --gold-light:#e8c877;
  --cream:#fbf9f5;
  --paper:#ffffff;
  --line:#e2ddd3;
  --shadow:0 1px 2px rgba(20,38,42,.05),0 8px 24px rgba(20,38,42,.06);
  --shadow-lg:0 2px 4px rgba(20,38,42,.06),0 20px 48px rgba(20,38,42,.10);
  --radius:4px;
  --max:1140px;
  --serif:"Source Serif 4",Georgia,"Times New Roman",serif;
  --sans:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}

*,*::before,*::after{box-sizing:border-box}

html{scroll-behavior:smooth}

body{
  margin:0;
  background:var(--cream);
  color:var(--ink);
  font-family:var(--sans);
  font-size:17px;
  line-height:1.68;
  -webkit-font-smoothing:antialiased;
}

img{max-width:100%;height:auto;display:block}

a{color:var(--teal);text-decoration:none}
a:hover{color:var(--gold)}

h1,h2,h3,h4{font-family:var(--serif);font-weight:600;line-height:1.22;color:var(--teal-deep);margin:0 0 .5em}
h1{font-size:clamp(2rem,4.4vw,3.1rem);letter-spacing:-.015em}
h2{font-size:clamp(1.45rem,2.6vw,2rem);margin-top:2.2em}
h3{font-size:1.2rem;margin-top:1.8em}
p{margin:0 0 1.15em}

.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.narrow{max-width:760px;margin:0 auto}

/* ---------- Buttons ---------- */
.btn{
  display:inline-block;padding:.82em 1.6em;border-radius:var(--radius);
  font-weight:600;font-size:.94rem;letter-spacing:.01em;
  border:1.5px solid transparent;cursor:pointer;transition:all .18s ease;
}
.btn-primary{background:var(--gold);color:#1c1405;border-color:var(--gold)}
.btn-primary:hover{background:#a4761f;border-color:#a4761f;color:#fff}
.btn-outline{border-color:var(--teal);color:var(--teal);background:transparent}
.btn-outline:hover{background:var(--teal);color:#fff}
.btn-light{border-color:rgba(255,255,255,.55);color:#fff;background:transparent}
.btn-light:hover{background:#fff;color:var(--teal-deep)}

/* ---------- Header ---------- */
.site-header{
  position:sticky;top:0;z-index:100;
  background:rgba(251,249,245,.93);backdrop-filter:blur(10px);
  border-bottom:1px solid var(--line);
}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;height:76px}
.brand{display:flex;align-items:center;gap:12px;font-family:var(--serif);font-size:1.16rem;font-weight:600;color:var(--teal-deep);letter-spacing:-.01em}
.brand img{height:42px;width:auto}
.brand span small{display:block;font-family:var(--sans);font-size:.63rem;font-weight:500;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-top:2px}
.nav{display:flex;align-items:center;gap:30px}
.nav a{font-size:.93rem;font-weight:500;color:var(--ink-soft);position:relative;padding:4px 0}
.nav a:hover,.nav a.active{color:var(--teal-deep)}
.nav a.active::after{content:"";position:absolute;left:0;right:0;bottom:-2px;height:2px;background:var(--gold)}
.nav .btn{padding:.6em 1.2em;font-size:.86rem}
.nav-toggle{display:none;background:none;border:0;font-size:1.5rem;color:var(--teal-deep);cursor:pointer;padding:4px 8px;line-height:1}

@media(max-width:900px){
  .nav-toggle{display:block}
  .nav{
    position:absolute;top:76px;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;
    background:var(--paper);border-bottom:1px solid var(--line);box-shadow:var(--shadow);
    max-height:0;overflow:hidden;transition:max-height .28s ease;
  }
  .nav.open{max-height:420px}
  .nav a{padding:15px 24px;border-bottom:1px solid var(--line)}
  .nav .btn{margin:16px 24px;text-align:center}
}

/* ---------- Hero ---------- */
.hero{
  background:linear-gradient(155deg,var(--teal-deep) 0%,var(--teal) 55%,var(--teal-light) 100%);
  color:#fff;padding:88px 0 96px;position:relative;overflow:hidden;
}
.hero::after{
  content:"";position:absolute;right:-140px;top:-140px;width:520px;height:520px;border-radius:50%;
  background:radial-gradient(circle,rgba(232,200,119,.16) 0%,transparent 68%);
}
.hero .wrap{position:relative;z-index:1}
.hero-grid{display:grid;gap:40px;align-items:center}
.hero-eyebrow{font-size:.72rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-light);font-weight:600;margin-bottom:20px}
.hero h1{color:#fff;max-width:19ch;margin-bottom:.55em}
.hero p.lead{font-size:1.12rem;max-width:56ch;color:rgba(255,255,255,.86);margin-bottom:2em}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap}
.hero-figure{margin:0;width:100%;max-width:360px;justify-self:center;text-align:center}
.hero-portrait-frame{
  position:relative;width:100%;aspect-ratio:1/1;border-radius:50%;overflow:hidden;
  background:#020204;border:3px solid rgba(232,200,119,.38);
  box-shadow:0 18px 46px rgba(4,20,22,.38);
}
.hero-portrait{
  display:block;width:100%;height:100%;padding-top:7%;
  object-fit:contain;object-position:center bottom;
}
.hero-portrait-frame::after{
  content:"";position:absolute;inset:0;border-radius:50%;pointer-events:none;
  box-shadow:inset 0 0 34px 14px rgba(2,2,4,.92);
}
.hero-person-name{font-family:var(--serif);font-size:1.24rem;font-weight:600;color:#fff;line-height:1.25;margin-top:18px}
.hero-person-role{font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-light);font-weight:600;margin-top:7px}
@media(min-width:940px){
  .hero-grid{grid-template-columns:minmax(0,1fr) minmax(280px,380px);gap:60px}
  .hero-figure{justify-self:end;max-width:380px}
  .hero h1{max-width:15ch}
}

/* ---------- Sections ---------- */
.section{padding:76px 0}
.section-alt{background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-head{max-width:640px;margin-bottom:44px}
.section-head .eyebrow{font-size:.72rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:12px}
.section-head h2{margin-top:0}
.section-head p{color:var(--ink-soft);font-size:1.04rem;margin-bottom:0}

/* ---------- Grids & cards ---------- */
.grid{display:grid;gap:26px}
.grid-3{grid-template-columns:repeat(auto-fit,minmax(290px,1fr))}
.grid-2{grid-template-columns:repeat(auto-fit,minmax(330px,1fr))}
.grid-4{grid-template-columns:repeat(auto-fit,minmax(230px,1fr))}

.card{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);
  padding:30px 28px;transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease;
  display:flex;flex-direction:column;
}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg);border-color:#cfc7b7}
.card h3{margin-top:0;margin-bottom:.5em}
.card p{color:var(--ink-soft);font-size:.96rem}
.card ul{margin:0 0 1.2em;padding-left:1.15em;color:var(--ink-soft);font-size:.93rem}
.card ul li{margin-bottom:.4em}
.card .card-foot{margin-top:auto;padding-top:6px}
.card-link{font-weight:600;font-size:.92rem;color:var(--teal)}
.card-link::after{content:" \2192";transition:margin .18s ease}
.card:hover .card-link::after{margin-left:5px}

/* ---------- Article cards ---------- */
.post-card{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);
  padding:28px;display:flex;flex-direction:column;transition:transform .2s ease,box-shadow .2s ease;
}
.post-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg)}
.post-meta{display:flex;align-items:center;gap:10px;flex-wrap:wrap;font-size:.74rem;letter-spacing:.09em;text-transform:uppercase;color:var(--ink-soft);margin-bottom:14px}
.tag{
  display:inline-block;padding:4px 11px;border-radius:100px;font-size:.68rem;font-weight:700;
  letter-spacing:.1em;text-transform:uppercase;background:#eef3f2;color:var(--teal);border:1px solid #dde7e5;
}
.tag-accounting{background:#eef3f2;color:#0d3b3e;border-color:#d6e4e2}
.tag-taxation{background:#f6efe2;color:#8a6318;border-color:#ecdfc6}
.tag-insurance{background:#eef1f7;color:#2c3f6b;border-color:#dbe1ee}
.tag-business{background:#f2eff5;color:#4d3866;border-color:#e4dceb}
.post-card h3{font-size:1.22rem;margin:0 0 .5em;line-height:1.3}
.post-card h3 a{color:var(--teal-deep)}
.post-card h3 a:hover{color:var(--gold)}
.post-card p{color:var(--ink-soft);font-size:.95rem;margin-bottom:1.3em}
.post-card .card-foot{margin-top:auto}

/* ---------- Featured post ---------- */
.featured{
  background:var(--paper);border:1px solid var(--line);border-left:4px solid var(--gold);
  border-radius:var(--radius);padding:40px;margin-bottom:30px;
}
.featured h3{font-size:1.75rem;margin-top:0}
.featured p{font-size:1.04rem;color:var(--ink-soft)}

/* ---------- Article body ---------- */
.article-header{background:var(--paper);border-bottom:1px solid var(--line);padding:52px 0 44px}
.breadcrumb{font-size:.82rem;color:var(--ink-soft);margin-bottom:22px}
.breadcrumb a{color:var(--ink-soft)}
.breadcrumb a:hover{color:var(--gold)}
.article-header h1{max-width:22ch}
.article-lead{font-size:1.14rem;color:var(--ink-soft);max-width:62ch;margin-bottom:1.4em}

.article-body{padding:52px 0 20px;font-size:1.06rem;line-height:1.78}
.article-body h2{font-size:1.62rem;margin-top:2em;padding-top:.2em}
.article-body h3{font-size:1.18rem;color:var(--teal-light)}
.article-body ul,.article-body ol{margin:0 0 1.3em;padding-left:1.35em}
.article-body li{margin-bottom:.5em}
.article-body strong{color:var(--teal-deep);font-weight:650}
.article-body em{color:var(--ink-soft)}

.callout{
  background:#f4f0e6;border:1px solid #e5dbc5;border-left:4px solid var(--gold);
  border-radius:var(--radius);padding:26px 28px;margin:2em 0;
}
.callout h3{margin-top:0;font-size:1.06rem;color:#7d5a12}
.callout p:last-child,.callout ul:last-child,.callout ol:last-child{margin-bottom:0}

/* ---------- Profile ---------- */
.profile{
  display:grid;grid-template-columns:auto 1fr;gap:36px;align-items:start;
  background:var(--paper);border:1px solid var(--line);border-left:4px solid var(--gold);
  border-radius:var(--radius);padding:38px;margin:0 0 12px;
}
.profile-photo{
  width:240px;height:300px;object-fit:cover;display:block;
  border-radius:var(--radius);background:var(--teal-deep);
}
.profile-body h2{margin-top:0;margin-bottom:6px;font-size:1.62rem}
.profile-role{font-size:.76rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:20px}
.profile-body p:last-child{margin-bottom:0}
@media(max-width:760px){
  .profile{grid-template-columns:1fr;justify-items:center;gap:26px;padding:32px 24px}
  .profile-photo{width:200px;height:250px}
  .profile-body h2,.profile-role{text-align:center}
}

.data-table{width:100%;border-collapse:collapse;margin:1.6em 0;font-size:.95rem;background:var(--paper)}
.data-table th{background:var(--teal-deep);color:#fff;text-align:left;padding:12px 16px;font-family:var(--sans);font-size:.8rem;letter-spacing:.06em;text-transform:uppercase;font-weight:600}
.data-table td{padding:12px 16px;border-bottom:1px solid var(--line);vertical-align:top}
.data-table tr:last-child td{border-bottom:0}
.data-table tr:nth-child(even) td{background:#fcfaf7}
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}

/* ---------- CTA block in article ---------- */
.service-cta{
  background:linear-gradient(150deg,var(--teal-deep),var(--teal-light));
  color:#fff;border-radius:var(--radius);padding:40px;margin:3em 0 1em;
}
.service-cta .eyebrow{font-size:.7rem;letter-spacing:.19em;text-transform:uppercase;color:var(--gold-light);font-weight:700;margin-bottom:14px}
.service-cta h3{color:#fff;margin-top:0;font-size:1.42rem}
.service-cta p{color:rgba(255,255,255,.87);margin-bottom:1.3em}
.service-cta ul{list-style:none;padding:0;margin:0 0 1.7em;display:grid;gap:9px}
.service-cta ul li{padding-left:26px;position:relative;color:rgba(255,255,255,.9);font-size:.96rem}
.service-cta ul li::before{content:"\2713";position:absolute;left:0;color:var(--gold-light);font-weight:700}
.service-cta .cta-actions{display:flex;gap:12px;flex-wrap:wrap}

/* ---------- Disclaimer ---------- */
.disclaimer{
  border-top:1px solid var(--line);margin-top:2.5em;padding-top:1.5em;
  font-size:.87rem;color:var(--ink-soft);line-height:1.6;
}
.disclaimer strong{color:var(--ink)}

/* ---------- Author box ---------- */
.author-box{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);
  padding:30px;margin:2.5em 0;display:flex;gap:22px;align-items:flex-start;
}
.author-avatar{
  flex:0 0 62px;height:62px;border-radius:50%;background:linear-gradient(140deg,var(--teal),var(--teal-light));
  color:var(--gold-light);display:flex;align-items:center;justify-content:center;
  font-family:var(--serif);font-size:1.4rem;font-weight:600;
}
.author-box h4{font-family:var(--serif);font-size:1.05rem;margin:0 0 .35em;color:var(--teal-deep)}
.author-box p{font-size:.93rem;color:var(--ink-soft);margin:0}

/* ---------- Filter bar ---------- */
.filter-bar{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:38px}
.filter-btn{
  padding:.5em 1.15em;border-radius:100px;border:1px solid var(--line);background:var(--paper);
  font-family:var(--sans);font-size:.86rem;font-weight:600;color:var(--ink-soft);cursor:pointer;transition:all .16s ease;
}
.filter-btn:hover{border-color:var(--gold);color:var(--teal-deep)}
.filter-btn.active{background:var(--teal-deep);border-color:var(--teal-deep);color:#fff}

/* ---------- Stats strip ---------- */
.stat-strip{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
.stat{background:var(--paper);padding:28px 24px;text-align:center}
.stat .num{font-family:var(--serif);font-size:1.9rem;font-weight:600;color:var(--teal-deep);line-height:1.1}
.stat .lbl{font-size:.78rem;letter-spacing:.09em;text-transform:uppercase;color:var(--ink-soft);margin-top:8px}

/* ---------- Band ---------- */
.band{background:linear-gradient(150deg,var(--teal-deep),var(--teal-light));color:#fff;padding:66px 0;text-align:center}
.band h2{color:#fff;margin-top:0}
.band p{color:rgba(255,255,255,.85);max-width:56ch;margin:0 auto 1.9em;font-size:1.06rem}
.band .hero-actions{justify-content:center}

/* ---------- Contact ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px}
@media(max-width:820px){.contact-grid{grid-template-columns:1fr;gap:36px}}
.contact-item{display:flex;gap:16px;margin-bottom:26px;align-items:flex-start}
.contact-item .ico{
  flex:0 0 40px;height:40px;border-radius:var(--radius);background:#eef3f2;color:var(--teal);
  display:flex;align-items:center;justify-content:center;font-size:1.05rem;border:1px solid #dde7e5;
}
.contact-item h4{margin:0 0 .25em;font-size:1rem}
.contact-item p{margin:0;color:var(--ink-soft);font-size:.95rem}
.form-field{margin-bottom:18px}
.form-field label{display:block;font-size:.85rem;font-weight:600;margin-bottom:7px;color:var(--teal-deep)}
.form-field input,.form-field select,.form-field textarea{
  width:100%;padding:.78em .9em;border:1px solid var(--line);border-radius:var(--radius);
  font-family:var(--sans);font-size:.96rem;background:var(--paper);color:var(--ink);
}
.form-field input:focus,.form-field select:focus,.form-field textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(184,134,43,.12)}
.form-field textarea{min-height:130px;resize:vertical}
.form-note{font-size:.83rem;color:var(--ink-soft);margin-top:12px}

/* ---------- Footer ---------- */
.site-footer{background:var(--teal-deep);color:rgba(255,255,255,.72);padding:60px 0 28px;font-size:.93rem}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:40px;margin-bottom:44px}
@media(max-width:820px){.footer-grid{grid-template-columns:1fr 1fr;gap:32px}}
@media(max-width:520px){.footer-grid{grid-template-columns:1fr}}
.site-footer h4{color:#fff;font-family:var(--sans);font-size:.78rem;letter-spacing:.15em;text-transform:uppercase;margin:0 0 18px}
.site-footer a{color:rgba(255,255,255,.72);display:block;margin-bottom:10px}
.site-footer a:hover{color:var(--gold-light)}
.site-footer p{color:rgba(255,255,255,.62);line-height:1.65}
.footer-brand{font-family:var(--serif);font-size:1.2rem;color:#fff;margin-bottom:14px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.13);padding-top:24px;display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap;font-size:.85rem;color:rgba(255,255,255,.5)}
.footer-bottom a{display:inline;margin:0}

/* ---------- Utilities ---------- */
.mt0{margin-top:0}
.center{text-align:center}
.hidden{display:none !important}
.skip-link{position:absolute;left:-9999px}
.skip-link:focus{left:12px;top:12px;background:#fff;padding:10px 16px;z-index:200;border-radius:var(--radius)}

@media(max-width:640px){
  body{font-size:16px}
  .section{padding:56px 0}
  .hero{padding:64px 0 70px}
  .featured{padding:28px}
  .service-cta{padding:28px}
  .author-box{flex-direction:column;gap:16px}
  .hero-figure{max-width:280px}
  .hero-person-name{font-size:1.12rem}
}

@media print{
  .site-header,.site-footer,.service-cta,.band,.filter-bar{display:none}
  body{background:#fff;font-size:11pt}
}

/* ============================================================
   Insurance guides
   ============================================================ */

/* Mid-article CTA */
.mid-cta{
  border-left:4px solid var(--gold);background:#f4f0e6;border-radius:var(--radius);
  padding:22px 26px;margin:2.4em 0;display:flex;gap:20px;align-items:center;flex-wrap:wrap;
}
.mid-cta p{margin:0;flex:1 1 300px;font-size:.98rem;color:#5c4410}
.mid-cta p strong{color:#7d5a12}
.mid-cta .btn{flex:0 0 auto}

/* Product solution block */
.guardian-block{
  background:var(--paper);border:1px solid var(--line);border-top:3px solid var(--teal);
  border-radius:var(--radius);padding:30px 32px;margin:2.6em 0 1em;
}
.guardian-block > h3:first-child{margin-top:0;font-size:1.24rem}
.guardian-block ul{margin-bottom:1.1em}
.guardian-block .data-table{margin-top:1.1em}
.guardian-block p:last-child{margin-bottom:0}

/* Read-next strip */
.next-step{
  display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap;
  background:linear-gradient(150deg,var(--teal-deep),var(--teal-light));color:#fff;
  border-radius:var(--radius);padding:26px 30px;margin:2.4em 0;
}
.next-step .eyebrow{font-size:.68rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-light);font-weight:700;margin-bottom:8px}
.next-step h4{margin:0;color:#fff;font-family:var(--serif);font-size:1.14rem;font-weight:600;max-width:46ch}
.next-step .ns-text{flex:1 1 320px}

/* Adviser disclosure */
.disclosure{
  background:#f4f0e6;border:1px solid #e5dbc5;border-radius:var(--radius);
  padding:18px 22px;margin:2em 0 0;font-size:.85rem;line-height:1.6;color:#6b5217;
}
.disclosure strong{color:#54400f}

@media(max-width:640px){
  .guardian-block{padding:24px}
  .next-step{padding:22px}
}