/* North Texas Advisors — shared site styles (secondary pages) */
:root{
  --navy:#0B1F33; --slate:#12324A; --teal:#1FA6A6; --gold:#C9A24A;
  --paper:#F8F6F1; --gray:#E6E8EB; --ink:#1F2933;
  --font:"Montserrat",system-ui,sans-serif;
  --r:24px; --r-sm:16px;
  --soft:0 18px 50px rgba(11,31,51,.10);
  --soft-sm:0 8px 24px rgba(11,31,51,.08);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{background:var(--paper);color:var(--ink);font-family:var(--font);font-size:17px;line-height:1.7}
img{max-width:100%;display:block}
a{color:var(--teal);text-decoration:none}
h1,h2,h3,h4{color:var(--navy);line-height:1.14;font-weight:700;letter-spacing:-.01em}
.wrap{max-width:1140px;margin:0 auto;padding:0 26px}
.narrow{max-width:820px;margin:0 auto;padding:0 26px}
.eyebrow{font-size:13px;letter-spacing:.14em;text-transform:uppercase;font-weight:600;color:var(--gold)}
.btn{font-family:var(--font);display:inline-block;border-radius:999px;font-weight:600;font-size:16px;padding:15px 30px;border:2px solid transparent;cursor:pointer;transition:.18s}
.btn-primary{background:var(--gold);color:var(--navy)}
.btn-primary:hover{background:#b8913c;transform:translateY(-2px)}
.btn-ghost{background:transparent;color:var(--navy);border-color:rgba(11,31,51,.25)}
.btn-ghost:hover{border-color:var(--navy);background:#fff}
.btn-teal{background:var(--teal);color:#fff}
.btn-teal:hover{background:#178f8f;transform:translateY(-2px)}
section{padding:64px 0}

/* NAV */
.nav{position:fixed;top:0;left:0;right:0;z-index:60;transition:.25s}
.nav .wrap{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;height:74px;gap:16px}
.nav .links{display:flex;gap:22px;justify-self:start}
.nav .links a{color:var(--navy);font-weight:500;font-size:15px}
.nav .links a:hover,.nav .links a.active{color:var(--teal)}
.nav .links a.active{font-weight:700}
.nav .brand{justify-self:center;display:flex;align-items:center}
.nav .brand img{height:46px;width:auto;display:block}
.nav .right{justify-self:end;display:flex;align-items:center;gap:14px}
.nav .right a.portal{color:var(--navy);font-weight:600;font-size:15px}
.nav .right a.portal:hover{color:var(--teal)}
.nav.scrolled{background:rgba(248,246,241,.92);backdrop-filter:blur(12px);box-shadow:0 2px 20px rgba(11,31,51,.06)}
.nav .cta{background:var(--gold);color:var(--navy);border-radius:999px;padding:10px 20px;font-weight:600;font-size:14px}
.nav .cta:hover{background:#b8913c}

/* PAGE HERO */
.phero{position:relative;text-align:center;padding:128px 0 56px;background:radial-gradient(1200px 520px at 50% -8%,#fff 0%,var(--paper) 46%,var(--gray) 120%)}
.phero .inner{max-width:820px;margin:0 auto;padding:0 26px}
.phero h1{font-size:clamp(34px,5.2vw,54px);letter-spacing:-.02em}
.phero h1 em{font-style:italic;color:var(--gold)}
.phero .sub{font-size:19px;color:#3c4652;max-width:62ch;margin:18px auto 0}
.phero .crumbs{font-size:13px;letter-spacing:.04em;color:#7a828c;margin-bottom:16px}
.phero .crumbs a{color:#7a828c}
.phero .crumbs a:hover{color:var(--teal)}

/* SECTION HEADS */
.shead{max-width:62ch;margin:0 auto 40px;text-align:center}
.shead h2{font-size:clamp(26px,3.6vw,40px)}
.shead p{color:#3c4652;font-size:18px;margin-top:12px}

/* PROSE (about, legal) */
.prose{max-width:800px;margin:0 auto}
.prose h2{font-size:clamp(24px,3vw,32px);margin:34px 0 12px}
.prose h3{font-size:20px;margin:24px 0 8px}
.prose p{margin:0 0 16px;color:#2f3944}
.prose ul,.prose ol{margin:0 0 18px 22px;color:#2f3944}
.prose li{margin:7px 0}
.prose .lead{font-size:20px;color:var(--slate)}
.prose a{font-weight:600}

/* SPLIT (text + media) */
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:center}
.split.rev{grid-template-columns:.9fr 1.1fr}
.split .media{border-radius:var(--r);overflow:hidden;box-shadow:var(--soft);background:#fff}
.split .media img{width:100%;display:block}

/* CARDS */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.cards.two{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--gray);border-radius:var(--r);padding:28px;box-shadow:var(--soft-sm);border-top:4px solid var(--teal);transition:.2s}
.card:nth-child(3n+2){border-top-color:var(--gold)}
.card:nth-child(3n+3){border-top-color:var(--slate)}
.card:hover{transform:translateY(-4px);box-shadow:var(--soft)}
.card h3{font-size:20px}
.card p{color:#3c4652;font-size:15px;margin-top:8px}

/* CHECK LIST */
.checks{list-style:none;max-width:760px;margin:0 auto}
.checks li{display:flex;gap:14px;padding:12px 0;border-bottom:1px solid var(--gray);font-size:16px}
.checks li::before{content:"✓";color:var(--teal);font-weight:800}
.checks.plain li{border:none;padding:8px 0}

/* PROCESS STEPS */
.steps{max-width:800px;margin:0 auto;position:relative}
.steps::before{content:"";position:absolute;left:27px;top:20px;bottom:20px;width:2px;background:linear-gradient(180deg,var(--teal),var(--gold))}
.stp{display:grid;grid-template-columns:56px 1fr;gap:22px;padding:16px 0;position:relative}
.stp .num{width:56px;height:56px;border-radius:50%;background:#fff;border:2px solid var(--gold);color:var(--navy);font-weight:700;font-size:22px;display:grid;place-items:center;box-shadow:var(--soft-sm);z-index:1}
.stp h3{font-size:21px}
.stp p{color:#3c4652;font-size:15px;margin-top:4px}

/* INFO / CONTACT */
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:34px}
.panel{background:#fff;border:1px solid var(--gray);border-radius:var(--r);padding:30px;box-shadow:var(--soft-sm)}
.infolist{list-style:none}
.infolist li{display:flex;gap:14px;padding:14px 0;border-bottom:1px solid var(--gray)}
.infolist li:last-child{border-bottom:none}
.infolist .ic{flex:none;width:40px;height:40px;border-radius:10px;background:rgba(31,166,166,.12);color:var(--teal);display:grid;place-items:center;font-weight:700}
.infolist .k{font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:#7a828c;font-weight:600}
.infolist .v{font-size:16px;color:var(--navy);font-weight:600}
.infolist .v a{color:var(--navy)}

/* FORM */
.form label{display:block;font-size:13px;font-weight:600;color:var(--slate);margin:14px 0 6px;letter-spacing:.02em}
.form input,.form select,.form textarea{width:100%;font-family:var(--font);font-size:15px;padding:12px 14px;border:1px solid var(--gray);border-radius:12px;background:var(--paper);color:var(--ink)}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(31,166,166,.18)}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form .btn{margin-top:20px;width:100%;text-align:center}

/* CALLOUT / NOTE / STUB */
.note{background:var(--gray);border-radius:var(--r-sm);padding:18px 22px;font-size:14.5px;color:var(--slate);line-height:1.7}
.note.legal{background:rgba(201,162,74,.08);border:1px solid rgba(201,162,74,.35)}
.stub{background:rgba(31,166,166,.08);border:1px dashed var(--teal);border-radius:var(--r-sm);padding:16px 18px;font-size:13.5px;color:var(--slate);text-align:center}

/* CTA BAND */
.cta-band{background:linear-gradient(120deg,var(--navy),var(--slate));color:#fff;text-align:center}
.cta-band h2{color:#fff;font-size:clamp(28px,4vw,42px)}
.cta-band p{color:#c3ccd4;max-width:58ch;margin:16px auto 24px}
.cta-band .btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
.cta-band .btn-ghost{color:#fff;border-color:rgba(255,255,255,.5)}
.cta-band .btn-ghost:hover{background:#fff;color:var(--navy)}

.alt{background:var(--gray)}
.white{background:#fff}

/* FOOTER */
footer.site{background:var(--navy);color:#fff;padding:60px 0 44px}
footer.site .grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:30px;border-bottom:1px solid rgba(255,255,255,.14);padding-bottom:30px}
footer.site .brand{display:inline-flex;background:var(--paper);border-radius:12px;padding:12px 16px;box-shadow:var(--soft-sm)}
footer.site .brand img{height:44px;width:auto;display:block}
footer.site .meta{color:#a9b7c4;font-size:14px;line-height:1.9;margin-top:14px}
footer.site h4{font-size:15px;color:#fff;margin-bottom:10px}
footer.site a{color:#dfe5ea;display:block;font-size:14.5px;padding:5px 0}
footer.site a.portal{color:var(--gold);font-weight:600}
footer.site .fine{color:#7f8f9d;font-size:13px;margin-top:20px}

@media(max-width:900px){
  .split,.split.rev,.grid2{grid-template-columns:1fr;gap:26px}
  .cards,.cards.two{grid-template-columns:1fr}
  footer.site .grid{grid-template-columns:1fr 1fr}
  .form .row{grid-template-columns:1fr}
  .nav .links{display:none}
  .nav .wrap{grid-template-columns:1fr auto;height:66px}
  .nav .brand{justify-self:start}
}
@media(max-width:560px){.nav .right a.portal{display:none};footer.site .grid{grid-template-columns:1fr}}