/* ==========================================================================
   GGT Risk — theme stylesheet
   No external fonts, no CDNs, no third-party requests.
   ========================================================================== */

:root {
  --ink:        #0A1628;
  --ink-2:      #101F36;
  --ink-3:      #17293F;
  --body:       #1B2735;
  --muted:      #5C6B7E;
  --muted-2:    #8A97A8;
  --line:       #E2E8F0;
  --line-dark:  rgba(255, 255, 255, .12);
  --bg:         #FFFFFF;
  --bg-alt:     #F6F8FB;
  --bg-tint:    #EEF3F9;
  --gold:       #C9A227;
  --gold-soft:  #F2E4B4;
  --teal:       #14705E;
  --teal-soft:  #E3F1ED;
  --danger:     #9B2C2C;
  --radius:     4px;
  --radius-lg:  8px;
  --wrap:       1160px;
  --wrap-narrow: 760px;
  --serif: ui-serif, Georgia, "Iowan Old Style", "Times New Roman", serif;
  --sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --mono: ui-monospace, SFMono-Regular, "SF Mono", Menlo, Consolas, monospace;
  --shadow-sm: 0 1px 2px rgba(10, 22, 40, .06), 0 1px 3px rgba(10, 22, 40, .04);
  --shadow-md: 0 4px 16px rgba(10, 22, 40, .07), 0 1px 3px rgba(10, 22, 40, .05);
}

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

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--bg);
  color: var(--body);
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

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

a { color: var(--teal); text-underline-offset: 2px; }
a:hover { color: var(--ink); }

h1, h2, h3, h4 {
  font-family: var(--serif);
  color: var(--ink);
  line-height: 1.2;
  font-weight: 600;
  letter-spacing: -.01em;
  margin: 0 0 .5em;
}
h1 { font-size: clamp(2.1rem, 4.6vw, 3.35rem); letter-spacing: -.02em; }
h2 { font-size: clamp(1.6rem, 3vw, 2.3rem); }
h3 { font-size: 1.24rem; }
h4 { font-size: 1.06rem; }
p  { margin: 0 0 1.15em; }
ul, ol { margin: 0 0 1.15em; padding-left: 1.25em; }
li { margin-bottom: .45em; }
strong { color: var(--ink); font-weight: 650; }
hr { border: 0; border-top: 1px solid var(--line); margin: 2.5rem 0; }

/* --------------------------------------------------------- layout ------- */
.wrap { width: 100%; max-width: var(--wrap); margin-inline: auto; padding-inline: 24px; }
.wrap--narrow { max-width: var(--wrap-narrow); }
.section { padding: clamp(3.5rem, 7vw, 6rem) 0; }
.section--tint { background: var(--bg-alt); border-block: 1px solid var(--line); }
.section--ink { background: var(--ink); color: #C7D2E0; }
.section--ink h2, .section--ink h3, .section--ink h4 { color: #fff; }

.grid { display: grid; gap: 28px; }
@media (min-width: 700px)  { .grid--2 { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 900px)  { .grid--3 { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 700px)  { .grid--4 { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1000px) { .grid--4 { grid-template-columns: repeat(4, 1fr); } }

.eyebrow {
  font-family: var(--sans);
  font-size: .74rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--gold);
  margin: 0 0 .9rem;
}
.section--ink .eyebrow { color: var(--gold-soft); }
.lede { font-size: 1.15rem; color: var(--muted); max-width: 68ch; }
.section--ink .lede { color: #9FB0C4; }
.center { text-align: center; }
.center .lede { margin-inline: auto; }

/* --------------------------------------------------------- buttons ------ */
.btn {
  display: inline-block;
  padding: 14px 26px;
  border-radius: var(--radius);
  font-size: .95rem;
  font-weight: 650;
  text-decoration: none;
  border: 1px solid transparent;
  transition: background-color .15s ease, color .15s ease, border-color .15s ease;
  cursor: pointer;
}
.btn--primary { background: var(--ink); color: #fff; border-color: var(--ink); }
.btn--primary:hover { background: var(--ink-3); color: #fff; }
.btn--gold { background: var(--gold); color: var(--ink); border-color: var(--gold); }
.btn--gold:hover { background: #b8931f; color: var(--ink); }
.btn--ghost { background: transparent; color: var(--ink); border-color: var(--line); }
.btn--ghost:hover { border-color: var(--ink); color: var(--ink); }
.section--ink .btn--ghost { color: #fff; border-color: var(--line-dark); }
.section--ink .btn--ghost:hover { border-color: #fff; }
.btn-row { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 2rem; }
.center .btn-row { justify-content: center; }

/* --------------------------------------------------------- header ------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, .94);
  backdrop-filter: saturate(140%) blur(8px);
  border-bottom: 1px solid var(--line);
}
.site-header__inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; min-height: 74px; }

.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--ink); }
.brand__mark {
  width: 38px; height: 38px; flex: 0 0 38px;
  display: grid; place-items: center;
  background: var(--ink); color: var(--gold);
  font-family: var(--serif); font-size: .92rem; font-weight: 700; letter-spacing: .02em;
  border-radius: var(--radius);
}
.brand__name { font-family: var(--serif); font-size: 1.12rem; font-weight: 650; line-height: 1.15; letter-spacing: -.01em; }
.brand__name small { display: block; font-family: var(--sans); font-size: .66rem; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--muted-2); }

.nav { display: flex; align-items: center; gap: 8px; }
.nav ul { display: flex; align-items: center; gap: 4px; list-style: none; margin: 0; padding: 0; }
.nav li { margin: 0; position: relative; }
.nav a {
  display: block; padding: 9px 13px;
  font-size: .93rem; font-weight: 550; color: var(--body);
  text-decoration: none; border-radius: var(--radius);
}
.nav a:hover { background: var(--bg-tint); color: var(--ink); }
.nav .current-menu-item > a { color: var(--ink); font-weight: 650; }
.nav .sub-menu {
  display: none; position: absolute; top: 100%; left: 0; min-width: 210px;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--shadow-md); padding: 6px; flex-direction: column; align-items: stretch;
}
.nav li:hover > .sub-menu, .nav li:focus-within > .sub-menu { display: flex; }

.header-cta { display: none; }
@media (min-width: 1060px) { .header-cta { display: inline-block; } }

.nav-toggle {
  display: inline-flex; align-items: center; gap: 8px;
  background: transparent; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 9px 13px; font: inherit; font-size: .9rem; font-weight: 600; color: var(--ink); cursor: pointer;
}
.nav-toggle__bars { display: block; width: 16px; height: 10px; position: relative; }
.nav-toggle__bars::before, .nav-toggle__bars::after, .nav-toggle__bars span {
  content: ""; position: absolute; left: 0; right: 0; height: 1.5px; background: var(--ink); border-radius: 2px;
}
.nav-toggle__bars::before { top: 0; }
.nav-toggle__bars span { top: 4.25px; }
.nav-toggle__bars::after { bottom: 0; }

@media (max-width: 959px) {
  .nav-toggle { display: inline-flex; }
  .nav {
    display: none; position: absolute; top: 100%; left: 0; right: 0;
    background: #fff; border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow-md); padding: 12px 24px 20px;
  }
  .nav.is-open { display: block; }
  .nav ul { flex-direction: column; align-items: stretch; gap: 0; }
  .nav a { padding: 12px 4px; border-bottom: 1px solid var(--line); border-radius: 0; }
  .nav .sub-menu { display: flex; position: static; border: 0; box-shadow: none; padding: 0 0 0 14px; }
}
@media (min-width: 960px) { .nav-toggle { display: none; } }

/* --------------------------------------------------------- hero --------- */
.hero {
  background:
    radial-gradient(1100px 520px at 82% -8%, rgba(201, 162, 39, .16), transparent 62%),
    linear-gradient(180deg, var(--ink) 0%, var(--ink-2) 100%);
  color: #C7D2E0;
  padding: clamp(4rem, 9vw, 7.5rem) 0 clamp(3.5rem, 8vw, 6.5rem);
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: ""; position: absolute; inset: auto 0 0 0; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent); opacity: .5;
}
.hero h1 { color: #fff; max-width: 17ch; }
.hero__inner { display: grid; gap: 48px; align-items: center; }
@media (min-width: 980px) { .hero__inner { grid-template-columns: 1.15fr .85fr; gap: 64px; } }
.hero__lede { font-size: 1.2rem; color: #A9BACE; max-width: 56ch; }
.hero .eyebrow { color: var(--gold); }

.hero__panel {
  background: rgba(255, 255, 255, .045);
  border: 1px solid var(--line-dark);
  border-radius: var(--radius-lg);
  padding: 26px 28px;
  backdrop-filter: blur(2px);
}
.hero__panel h3 { font-family: var(--sans); font-size: .74rem; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-soft); margin-bottom: 18px; }
.rulelist { list-style: none; margin: 0; padding: 0; }
.rulelist li {
  display: flex; gap: 14px; align-items: baseline;
  padding: 13px 0; border-bottom: 1px solid var(--line-dark); margin: 0;
  font-size: .96rem; color: #BCCADB;
}
.rulelist li:last-child { border-bottom: 0; padding-bottom: 0; }
.rulelist .k { font-family: var(--mono); font-size: .78rem; color: var(--gold); flex: 0 0 auto; letter-spacing: .04em; }

/* --------------------------------------------------------- page hero ---- */
.page-hero {
  background: linear-gradient(180deg, var(--ink) 0%, var(--ink-2) 100%);
  color: #A9BACE; padding: clamp(3rem, 6vw, 4.75rem) 0;
  border-bottom: 3px solid var(--gold);
}
.page-hero h1 { color: #fff; margin-bottom: .35em; }
.page-hero .lede { color: #A9BACE; }

.crumbs { font-size: .82rem; color: var(--muted-2); margin-bottom: 1.1rem; }
.crumbs a { color: var(--gold-soft); text-decoration: none; }
.crumbs a:hover { text-decoration: underline; }

/* --------------------------------------------------------- cards -------- */
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 30px 28px; box-shadow: var(--shadow-sm);
  transition: box-shadow .18s ease, transform .18s ease, border-color .18s ease;
}
.card:hover { box-shadow: var(--shadow-md); border-color: #CBD5E1; }
.card h3 { margin-bottom: .5rem; }
.card p:last-child { margin-bottom: 0; }
.card__num {
  font-family: var(--mono); font-size: .74rem; letter-spacing: .1em;
  color: var(--gold); display: block; margin-bottom: 14px; font-weight: 700;
}
.card__list { list-style: none; padding: 0; margin: 1rem 0 0; font-size: .94rem; }
.card__list li { padding-left: 20px; position: relative; color: var(--muted); }
.card__list li::before {
  content: ""; position: absolute; left: 0; top: .62em;
  width: 7px; height: 7px; border-radius: 50%; background: var(--gold);
}

.card--dark {
  background: var(--ink-2); border-color: var(--line-dark); color: #B4C3D4;
}
.card--dark h3 { color: #fff; }
.card--dark .card__list li { color: #9FB0C4; }

/* --------------------------------------------------------- steps -------- */
.steps { counter-reset: step; list-style: none; padding: 0; margin: 0; display: grid; gap: 4px; }
.steps li {
  counter-increment: step; position: relative;
  padding: 26px 0 26px 74px; border-bottom: 1px solid var(--line); margin: 0;
}
.steps li:last-child { border-bottom: 0; }
.steps li::before {
  counter-increment: none; content: counter(step, decimal-leading-zero);
  position: absolute; left: 0; top: 24px;
  font-family: var(--mono); font-size: .95rem; font-weight: 700; color: var(--gold);
  border: 1px solid var(--line); border-radius: var(--radius);
  width: 46px; height: 40px; display: grid; place-items: center; background: #fff;
}
.steps h3 { margin-bottom: .35rem; }
.steps p { margin-bottom: 0; color: var(--muted); }

/* --------------------------------------------------------- stats -------- */
.statbar { display: grid; gap: 1px; background: var(--line); border: 1px solid var(--line); border-radius: var(--radius-lg); overflow: hidden; }
@media (min-width: 760px) { .statbar { grid-template-columns: repeat(3, 1fr); } }
.statbar > div { background: #fff; padding: 28px 26px; }
.statbar .k { display: block; font-family: var(--serif); font-size: 1.85rem; color: var(--ink); line-height: 1.1; margin-bottom: 6px; }
.statbar .v { font-size: .92rem; color: var(--muted); }

/* --------------------------------------------------------- faq ---------- */
.faq { border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); padding: 4px 0; }
.faq summary {
  cursor: pointer; list-style: none; padding: 20px 44px 20px 0; position: relative;
  font-family: var(--serif); font-size: 1.12rem; font-weight: 600; color: var(--ink);
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+"; position: absolute; right: 8px; top: 50%; transform: translateY(-50%);
  font-family: var(--sans); font-size: 1.5rem; font-weight: 300; color: var(--gold); line-height: 1;
}
.faq details[open] summary::after { content: "\2212"; }
.faq details > div { padding: 0 44px 22px 0; color: var(--muted); }
.faq details > div p:last-child { margin-bottom: 0; }

/* --------------------------------------------------------- callout ------ */
.callout {
  border-left: 3px solid var(--gold); background: var(--bg-alt);
  padding: 22px 26px; border-radius: 0 var(--radius) var(--radius) 0; margin: 2rem 0;
}
.callout p:last-child { margin-bottom: 0; }
.callout--warn { border-left-color: var(--danger); background: #FDF5F5; }

.notice-strip {
  background: var(--ink-2); color: #9FB0C4; font-size: .84rem; line-height: 1.6;
  padding: 16px 0; border-bottom: 1px solid var(--line-dark);
}
.notice-strip strong { color: var(--gold-soft); }

/* --------------------------------------------------------- content ------ */
.entry-content { font-size: 1.05rem; }
.entry-content > *:first-child { margin-top: 0; }
.entry-content h2 { margin-top: 2.4em; }
.entry-content h3 { margin-top: 1.9em; }
.entry-content ul li::marker { color: var(--gold); }
.entry-content table { width: 100%; border-collapse: collapse; margin: 1.5rem 0; font-size: .95rem; }
.entry-content th, .entry-content td { text-align: left; padding: 12px 14px; border-bottom: 1px solid var(--line); }
.entry-content th { font-family: var(--sans); font-size: .78rem; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); }
.entry-content blockquote {
  margin: 1.8rem 0; padding: 4px 0 4px 24px; border-left: 3px solid var(--gold);
  font-family: var(--serif); font-size: 1.2rem; color: var(--ink);
}

/* --------------------------------------------------------- contact ------ */
.contact-grid { display: grid; gap: 44px; }
@media (min-width: 900px) { .contact-grid { grid-template-columns: 1.1fr .9fr; gap: 64px; } }
.field { margin-bottom: 18px; }
.field label { display: block; font-size: .84rem; font-weight: 650; color: var(--ink); margin-bottom: 7px; }
.field input, .field select, .field textarea {
  width: 100%; padding: 12px 14px; font: inherit; font-size: .97rem; color: var(--body);
  border: 1px solid var(--line); border-radius: var(--radius); background: #fff;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: 2px solid rgba(201, 162, 39, .35); outline-offset: 1px; border-color: var(--gold);
}
.field textarea { min-height: 150px; resize: vertical; }
.field--check { display: flex; gap: 10px; align-items: flex-start; font-size: .88rem; color: var(--muted); }
.field--check input { width: auto; margin-top: 4px; }
.hp-field { position: absolute !important; left: -9999px !important; }

.info-list { list-style: none; padding: 0; margin: 0; }
.info-list li { padding: 16px 0; border-bottom: 1px solid var(--line); margin: 0; }
.info-list .k { display: block; font-size: .74rem; letter-spacing: .12em; text-transform: uppercase; color: var(--muted-2); margin-bottom: 4px; }
.info-list .v { color: var(--ink); font-weight: 550; }

.form-status { padding: 14px 18px; border-radius: var(--radius); margin-bottom: 20px; font-size: .95rem; }
.form-status--ok { background: var(--teal-soft); color: var(--teal); border: 1px solid #BFE0D7; }
.form-status--err { background: #FDF5F5; color: var(--danger); border: 1px solid #F0D5D5; }

/* --------------------------------------------------------- footer ------- */
.site-footer { background: var(--ink); color: #8A9BB0; padding: 64px 0 0; font-size: .93rem; }
.site-footer a { color: #B4C3D4; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.footer-grid { display: grid; gap: 40px; padding-bottom: 48px; }
@media (min-width: 780px) { .footer-grid { grid-template-columns: 1.6fr 1fr 1fr; gap: 56px; } }
.site-footer h4 { color: #fff; font-family: var(--sans); font-size: .74rem; letter-spacing: .13em; text-transform: uppercase; margin-bottom: 18px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 11px; }
.site-footer .brand { color: #fff; margin-bottom: 18px; }
.site-footer .brand__name small { color: var(--muted-2); }

.footer-legal {
  border-top: 1px solid var(--line-dark); padding: 26px 0 40px;
  font-size: .82rem; line-height: 1.65; color: #74879E;
}
.footer-legal p { margin-bottom: .9em; }
.footer-legal p:last-child { margin-bottom: 0; }
.footer-bottom { display: flex; flex-wrap: wrap; gap: 8px 22px; justify-content: space-between; margin-top: 18px; }

/* --------------------------------------------------------- a11y --------- */
.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 999;
  background: var(--ink); color: #fff; padding: 12px 20px; text-decoration: none;
}
.skip-link:focus { left: 0; }
:focus-visible { outline: 2px solid var(--gold); outline-offset: 2px; }
.screen-reader-text {
  border: 0; clip: rect(1px, 1px, 1px, 1px); clip-path: inset(50%);
  height: 1px; width: 1px; margin: -1px; overflow: hidden; padding: 0; position: absolute;
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .001ms !important; transition-duration: .001ms !important; }
}

/* --------------------------------------------------------- posts -------- */
.post-list { list-style: none; padding: 0; margin: 0; }
.post-list > li { padding: 30px 0; border-bottom: 1px solid var(--line); margin: 0; }
.post-list h2 { font-size: 1.4rem; margin-bottom: .3rem; }
.post-list h2 a { color: var(--ink); text-decoration: none; }
.post-list h2 a:hover { color: var(--teal); }
.post-meta { font-size: .82rem; color: var(--muted-2); margin-bottom: .7rem; }

.pagination { display: flex; gap: 8px; margin-top: 2.5rem; }
.pagination .page-numbers {
  padding: 9px 14px; border: 1px solid var(--line); border-radius: var(--radius);
  text-decoration: none; color: var(--body);
}
.pagination .current { background: var(--ink); color: #fff; border-color: var(--ink); }

/* --------------------------------------------------------- print -------- */
@media print {
  .site-header, .site-footer, .btn-row, .nav-toggle { display: none !important; }
  body { font-size: 12pt; color: #000; }
  .hero, .page-hero { background: none !important; color: #000; }
  .hero h1, .page-hero h1 { color: #000; }
}