/* Crown & Co. — design B: paper and ink. One family (Erode), one paper ground, black type, whole sections that flip to ink.
   Written phone first: the rules outside any media query ARE the phone design. Larger screens only add to it. */

:root {
  --paper: #e8e8e3;
  --paper-2: #dcdcd6;
  --ink: #181715;
  --ink-2: #33312d;
  --ink-soft: #4a4944;
  --dark-ink: #e8e8e3;
  --dark-soft: #b9b8b1;
  --quiet: #77766d;
  --alert: #f2a98e;

  --face: "Erode", "Iowan Old Style", Georgia, serif;

  --t-small: 0.9375rem;   /* 15px */
  --t-body: 1.0625rem;    /* 17px */
  --t-sub: 1.3125rem;     /* 21px */
  --t-lead: 1.75rem;      /* 28px */
  --t-head: 11.2vw;
  --t-hero: 24vw;

  --m: 20px;
  --gap: 88px;
  --bar-h: 64px;
  --dock-h: calc(60px + env(safe-area-inset-bottom, 0px));
  --ease: cubic-bezier(.16, 1, .3, 1);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-padding: var(--bar-h) 0 calc(var(--dock-h) + 16px); }
@media (prefers-reduced-motion: no-preference) { html { scroll-behavior: smooth; } }
body { margin: 0; background: var(--paper); color: var(--ink); font: 400 var(--t-body)/1.6 var(--face); -webkit-font-smoothing: antialiased; padding-inline: env(safe-area-inset-left, 0px) env(safe-area-inset-right, 0px); }
img { display: block; max-width: 100%; height: auto; }
figure { margin: 0; }
h1, h2, h3, p, ol, dl, dd { margin: 0; padding: 0; }
ol { list-style: none; }
a { color: inherit; text-decoration: none; }
button, input { font: inherit; color: inherit; }
p, dd { text-wrap: pretty; }
h1, h2, h3, .story__lead { text-wrap: balance; }
::selection { background: var(--ink); color: var(--paper); }
:focus-visible { outline: 2px solid var(--ink); outline-offset: 3px; }
.story :focus-visible, .contact :focus-visible, .foot :focus-visible { outline-color: var(--dark-ink); }
.dock :focus-visible { outline-color: var(--paper); outline-offset: -5px; }

.sr { position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; } /* taste-skill-ignore: visually-hidden utility */
.skip { position: absolute; left: var(--m); top: -90px; z-index: 50; background: var(--ink); color: var(--paper); padding: 10px 16px; }
.skip:focus { top: 12px; }
.ph { font-style: italic; }
.sec-h { padding-inline: var(--m); font: 300 var(--t-head)/1.02 var(--face); letter-spacing: -0.035em; }

/* Buttons: square, solid ink */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  min-height: 52px; padding: 0 24px; border: 0; border-radius: 0;
  background: var(--ink); color: var(--paper);
  font: 400 17px/1 var(--face); cursor: pointer;
  transition: background-color .25s ease, transform .3s var(--ease);
}
@media (hover: hover) { .btn:hover { background: var(--ink-2); } }
.btn:active { transform: translateY(1px) scale(.985); }
.btn--big { min-height: 60px; padding: 0 32px; font-size: 19px; }
.btn--wide { width: 100%; min-height: 60px; }

/* ---------- Header ---------- */
.bar {
  position: sticky; top: 0; z-index: 20; height: var(--bar-h);
  display: flex; align-items: center; gap: 24px; padding: 0 var(--m);
  background: var(--paper);
  transition: background-color .3s ease;
}
.bar.is-scrolled { background: var(--paper-2); }
.bar__home { display: inline-flex; align-items: center; gap: 10px; min-height: 44px; margin-right: auto; font-size: 21px; font-weight: 500; letter-spacing: -0.01em; }
.bar__crown { height: 24px; width: auto; }
.bar__nav, .bar__action { display: none; }
.bar__menu { display: none; min-height: 44px; background: none; border: 0; padding: 0 0 0 16px; font-size: 18px; cursor: pointer; }
.js .bar__menu { display: block; }

.menu { position: fixed; inset: var(--bar-h) 0 0 0; z-index: 30; background: var(--paper); padding: 24px var(--m) 32px; display: flex; flex-direction: column; justify-content: space-between; overflow-y: auto; }
.menu[hidden] { display: none; }
.menu nav { display: flex; flex-direction: column; }
.menu nav a { font: 300 34px/1.4 var(--face); letter-spacing: -0.02em; }

/* ---------- Call bar: under the thumb on phones ---------- */
.dock {
  position: fixed; inset: auto 0 0 0; z-index: 25; height: var(--dock-h); padding-bottom: env(safe-area-inset-bottom, 0px); border-top: 2px solid var(--ink-2);
  display: grid; grid-template-columns: 1fr 1.6fr;
  background: var(--ink); color: var(--paper);
  transition: transform .4s var(--ease);
}
.dock a { display: flex; align-items: center; justify-content: center; font-size: 18px; transition: background-color .2s ease; }
.dock__call { background: var(--ink-2); }
.dock a:active { background: #4a4843; }
.dock.is-away { transform: translateY(100%); visibility: hidden; transition: transform .4s var(--ease), visibility 0s .4s; }

/* ---------- Hero: a poster that fills the first screen ---------- */
.hero { display: flex; flex-direction: column; min-height: calc(100svh - var(--bar-h) - var(--dock-h)); }
.hero__say { padding: 12px var(--m) 24px; }
.hero h1 { font: 300 var(--t-hero)/.88 var(--face); letter-spacing: -0.045em; }
.hero__line { margin-top: 20px; font-size: 1.1875rem; line-height: 1.38; }
.hero__go { display: none; }
.hero__photo { flex: 1 1 200px; min-height: 200px; position: relative; overflow: hidden; }
.hero__photo img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: 30% 50%; }
.js .hero h1, .js .hero__line, .js .hero__go { opacity: 0; animation: rise .9s var(--ease) forwards; }
.js .hero__line { animation-delay: .1s; } .js .hero__go { animation-delay: .2s; }
.js .hero__photo img { animation: settle 1.6s var(--ease) both; }
@keyframes rise { from { opacity: 0; transform: translateY(20px); } to { opacity: 1; transform: none; } }
@keyframes settle { from { transform: scale(1.06); } to { transform: none; } }

/* ---------- From our founder: the page flips to ink ---------- */
.story { background: var(--ink); color: var(--dark-ink); padding-block: 72px; }
.story__lead { padding-inline: var(--m); font: 300 1.5rem/1.25 var(--face); letter-spacing: -0.015em; }
.story__photo { margin-top: 56px; aspect-ratio: 5 / 4; overflow: hidden; }
.story__photo img { width: 100%; height: 100%; object-fit: cover; }
.story__body { padding-inline: var(--m); margin-top: 48px; display: grid; gap: 1.15em; line-height: 1.65; }
.story__close { margin-top: .9em; font: 300 1.5rem/1.22 var(--face); letter-spacing: -0.015em; text-wrap: balance; }
.story__sign { margin-top: 1.4em; font-size: var(--t-sub); line-height: 1.2; }
.story__sign span { display: block; margin-top: 6px; font-size: var(--t-small); color: var(--dark-soft); }

/* ---------- Mortgage. Wealth. Legacy.: panels you swipe; the heading shows which one ---------- */
.services { padding-top: var(--gap); }
.services__h { position: sticky; top: var(--bar-h); z-index: 5; background: var(--paper); font-size: 9vw; white-space: nowrap; padding-block: 6px; }
.services__h a { display: inline-block; padding-block: 8px; }
.js .services__h a { color: var(--quiet); text-decoration: underline transparent 2px; text-underline-offset: 7px; transition: color .3s ease, text-decoration-color .3s ease; }
.js .services__h a[aria-current="true"] { color: var(--ink); text-decoration-color: currentColor; }
.pillars {
  margin-top: 16px; padding-inline: var(--m); display: flex; align-items: flex-start; gap: 10px;
  overflow-x: auto; overscroll-behavior-x: contain; scroll-snap-type: x mandatory; scroll-padding-inline: var(--m);
  scrollbar-width: none; -webkit-overflow-scrolling: touch;
}
.pillars::-webkit-scrollbar { display: none; }
.pillars:focus-visible { outline-offset: -2px; }
.pillar { position: relative; flex: 0 0 min(86%, 440px); scroll-snap-align: start; scroll-snap-stop: always; background: var(--paper-2); padding: 28px 24px 32px; }
.pillar h3 { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); } /* taste-skill-ignore: the heading above names the panel until the columns appear */
.pillar__line { font-size: var(--t-sub); line-height: 1.25; }
.pillar dl { margin-top: 28px; }
.pillar dt { font-size: var(--t-sub); line-height: 1.2; margin-top: 20px; }
.pillar dt:first-child { margin-top: 0; }
.pillar dd { margin-top: 4px; color: var(--ink-soft); line-height: 1.5; }

/* ---------- How it works: number beside the words, so four steps stay close ---------- */
.process { padding-top: var(--gap); }
.steps { margin-top: 32px; padding-inline: var(--m); display: grid; gap: 28px; counter-reset: s; }
.steps li { counter-increment: s; display: grid; grid-template-columns: 48px 1fr; column-gap: 8px; }
.steps li::before { content: counter(s); grid-row: 1 / 3; font: 300 3.25rem/.85 var(--face); letter-spacing: -0.04em; color: var(--quiet); }
.steps h3 { font: 400 var(--t-sub)/1.2 var(--face); letter-spacing: -0.01em; }
.steps p { margin-top: 4px; color: var(--ink-soft); line-height: 1.5; }

/* ---------- Questions: tap to open ---------- */
.faq { padding-top: var(--gap); }
.faq__list { margin-top: 32px; display: grid; gap: 4px; }
.faq__row { background: var(--paper-2); }
.faq__row summary { display: flex; align-items: center; justify-content: space-between; gap: 20px; min-height: 72px; padding: 14px var(--m); cursor: pointer; list-style: none; }
.faq__row summary::-webkit-details-marker { display: none; }
.faq__row summary::after { content: ""; flex: none; width: 18px; height: 18px; background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 18 18'%3E%3Cpath d='M9 0v18M0 9h18' stroke='%23181715' stroke-width='1.5'/%3E%3C/svg%3E") center / contain no-repeat; transition: transform .35s var(--ease); }
.faq__row[open] summary::after { transform: rotate(45deg); }
.faq__row summary:focus-visible { outline-offset: -2px; }
.faq__row h3 { font: 400 var(--t-sub)/1.22 var(--face); letter-spacing: -0.01em; }
.faq__row p { padding: 0 var(--m) 24px; color: var(--ink-soft); }
.faq__row[open] p { animation: rise .5s var(--ease) both; }

/* ---------- Build your crown: the closing ink screen, running into the footer ---------- */
.contact { margin-top: var(--gap); background: var(--ink); color: var(--dark-ink); display: flex; flex-direction: column; }
.contact__photo { order: -1; aspect-ratio: 3 / 2; overflow: hidden; }
.contact__photo img { width: 100%; height: 100%; object-fit: cover; }
.contact__say { padding: 56px 0 40px; }
.contact__prompt { margin-top: 16px; padding-inline: var(--m); font-size: var(--t-sub); line-height: 1.35; }
.callback { margin-top: 32px; padding-inline: var(--m); display: flex; flex-direction: column; gap: 8px; }
.callback input[type="tel"] { flex: none; height: 64px; padding: 0 20px; background: var(--ink-2); border: 0; border-radius: 0; font-size: 19px; color: var(--dark-ink); }
.callback input[type="tel"]::placeholder { color: var(--dark-soft); }
.callback input[type="tel"]:focus { outline: 2px solid var(--dark-ink); outline-offset: 2px; }
.callback input[type="tel"][aria-invalid="true"] { outline: 2px solid var(--alert); outline-offset: 2px; }
.callback .btn { width: 100%; min-height: 64px; background: var(--paper); color: var(--ink); }
@media (hover: hover) { .callback .btn:hover { background: var(--paper-2); } }
html:not(.js) .callback { display: none; }
.callback__go[disabled] { opacity: .6; cursor: progress; }
.callback__note { font-size: var(--t-small); line-height: 1.4; }
.callback__note:empty { display: none; }
.callback__note.is-error { color: var(--alert); }
.callback__note.is-done { font-size: var(--t-sub); line-height: 1.3; }
.callback__note a, .contact__phone a { text-decoration: underline; text-underline-offset: 4px; text-decoration-thickness: 1.5px; }
.contact__phone { margin-top: 20px; padding-inline: var(--m); font-size: var(--t-sub); }
.contact__phone a { display: inline-block; padding-block: 10px; }

/* ---------- Footer: ink, with the logo ---------- */
.foot { background: var(--ink); color: var(--dark-soft); padding: 48px var(--m) calc(32px + var(--dock-h)); font-size: var(--t-small); }
.foot__logo { width: 200px; margin: 0 auto 48px; }
.foot__end { margin-top: 20px; }

/* ---------- Entrances ---------- */
.js [data-reveal] { opacity: 0; transform: translateY(24px); transition: opacity .8s var(--ease), transform .9s var(--ease); transition-delay: calc(var(--i, 0) * 70ms); }
.js [data-reveal].is-in { opacity: 1; transform: none; }

/* ---------- Tablets and phones on their side ---------- */
@media (min-width: 720px) {
  :root { --t-head: clamp(3.5rem, 1.4rem + 4vw, 5rem); --t-hero: 17vw; --t-body: clamp(1.0625rem, 1rem + .3vw, 1.25rem); --t-sub: clamp(1.375rem, 1.1rem + .6vw, 1.75rem); --t-lead: clamp(2rem, 1.1rem + 1.4vw, 2.375rem); --m: clamp(24px, 2.8vw, 40px); --gap: clamp(112px, 13vw, 200px); --bar-h: 76px; }
  .hero__line { max-width: 30ch; font-size: clamp(1.25rem, 1.05rem + .6vw, 1.625rem); }
  .hero__photo { min-height: 45svh; }

  .story { padding: var(--gap) var(--m); }
  .story__lead, .story__body { padding-inline: 0; }
  .story__side { display: grid; grid-template-columns: 1.4fr 1fr; gap: 32px; align-items: end; }
  .story__lead { max-width: 30ch; font-size: clamp(1.625rem, 1.1rem + 1vw, 2.25rem); }
  .story__close { font-size: clamp(1.625rem, 1.1rem + 1vw, 2.25rem); }
  .story__photo { margin-top: 0; aspect-ratio: 1; }
  .story__body { max-width: 62ch; }

  .pillars { margin-top: 48px; }
  .pillar { flex-basis: 46%; padding: 32px; }
  .services__h { font-size: var(--t-head); }
  .foot__legal { max-width: 65ch; }

  .steps { margin-top: 48px; grid-template-columns: 1fr 1fr; gap: 48px 32px; }
  .steps li { display: block; }
  .steps li::before { display: block; margin-bottom: 16px; font-size: clamp(4rem, 2rem + 5vw, 7.5rem); }
  .steps p { margin-top: 10px; max-width: 34ch; }

  .faq { display: grid; grid-template-columns: 1fr 2fr; padding-inline: 0 var(--m); column-gap: 24px; align-items: start; }
  .faq__list { margin-top: 0; }
  .faq__row summary { padding-inline: 24px; }
  .faq__row p { padding-inline: 24px; max-width: 62ch; }

  .contact { display: grid; grid-template-columns: 1fr 1fr; align-items: stretch; }
  .contact__photo { order: 0; aspect-ratio: auto; position: relative; min-height: 100%; }
  .contact__photo img { position: absolute; inset: 0; }
  .contact__say { padding: clamp(64px, 8vw, 120px) 0; }
  .contact__prompt { max-width: 30ch; }
  .callback { max-width: 520px; }
  .foot__logo { width: clamp(200px, 22vw, 320px); margin-bottom: 72px; }
}

/* ---------- Hero side by side: computers, and phones on their side ---------- */
@media (min-width: 1100px), (min-width: 720px) and (max-height: 500px) {
  :root { --t-hero: clamp(5.5rem, 1rem + 8.4vw, 9.25rem); }
  .hero { display: grid; grid-template-columns: 1fr 1fr; column-gap: 24px; padding: 16px var(--m) var(--m); }
  .hero__say { padding: 8px 0 0; }
  .hero__photo { min-height: 240px; }
}

/* ---------- Computers ---------- */
@media (min-width: 1100px) {
  :root { --bar-h: 88px; }
  .dock { display: none; }
  .bar { gap: 36px; }
  .bar__home { gap: 14px; font-size: 24px; }
  .bar__crown { height: 30px; }
  .js .bar__menu { display: none; }
  .menu { display: none; }
  .bar__nav { display: flex; gap: 32px; font-size: 17px; }
  .bar__nav a { position: relative; padding: 6px 0; }
  .bar__nav a::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 2px; background: currentColor; transform: scaleX(0); transform-origin: left; transition: transform .45s var(--ease); }
  .bar__nav a:hover::after, .bar__nav a[aria-current="true"]::after { transform: scaleX(1); }
  .bar__action { display: inline-flex; }

  .hero { min-height: calc(100svh - var(--bar-h)); }
  .hero__say { padding-top: clamp(16px, 4svh, 56px); }
  .hero__line { margin-top: 40px; }
  .hero__go { display: inline-flex; margin-top: 40px; }
  .hero__photo { min-height: 520px; }

  .story { grid-template-columns: repeat(12, 1fr); display: grid; column-gap: 24px; }
  .story__side { grid-column: 1 / 7; align-self: start; position: sticky; top: calc(var(--bar-h) + 48px); display: block; }
  .story__photo { margin-top: 48px; max-width: 420px; }
  .story__body { grid-column: 8 / 13; margin-top: 0; max-width: 56ch; }

  .services__h { position: static; white-space: normal; padding-block: 0; }
  .services__h a { padding-block: 0; }
  .js .services__h a, .js .services__h a[aria-current="true"] { color: var(--ink); text-decoration-color: transparent; }
  .pillars { margin-top: clamp(56px, 7vw, 104px); display: grid; grid-template-columns: repeat(3, 1fr); align-items: stretch; gap: clamp(24px, 3vw, 48px); overflow: visible; }
  .pillar { padding: clamp(28px, 3vw, 44px); }
  .pillar h3 { position: static; width: auto; height: auto; overflow: visible; clip: auto; font: 300 clamp(2.25rem, 1.4rem + 2.4vw, 3.75rem)/1 var(--face); letter-spacing: -0.03em; }
  .pillar__line { margin-top: 14px; font-size: var(--t-body); color: var(--ink-soft); }

  .steps { grid-template-columns: repeat(4, 1fr); margin-top: clamp(48px, 6vw, 88px); column-gap: clamp(24px, 3vw, 48px); }

  .faq { grid-template-columns: repeat(12, 1fr); }
  .faq .sec-h { grid-column: 1 / 5; position: sticky; top: calc(var(--bar-h) + 32px); }
  .faq__list { grid-column: 5 / 13; }

  .foot { padding-bottom: 32px; }
}

@media (prefers-reduced-motion: reduce) {
  .js [data-reveal], .js .hero h1, .js .hero__line, .js .hero__go, .faq__row[open] p { opacity: 1; transform: none; transition: none; animation: none; }
  .js .hero__photo img { animation: none; }
  .dock, .dock.is-away, .bar, .services__h a, .js .services__h a, .btn, .faq__row summary::after { transition: none; }
  .btn:active { transform: none; }
}