/* Mogg Financial Advisors - site styles */
:root{
  --navy:#0d2b45;
  --navy-2:#14406b;
  --blue:#1f6fb2;
  --green:#12a05f;
  --green-2:#0e8a51;
  --ink:#16232e;
  --body:#4a5a68;
  --line:#e2e8ee;
  --tint:#f4f7fa;
  --white:#ffffff;
  --radius:14px;
  --shadow:0 18px 44px rgba(13,43,69,.12);
  --shadow-sm:0 6px 18px rgba(13,43,69,.08);
  --maxw:1200px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:"Work Sans",system-ui,-apple-system,"Segoe UI",Arial,sans-serif;color:var(--body);background:var(--white);font-size:17px;line-height:1.7;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue);text-decoration:none}
a:hover{color:var(--green)}
h1,h2,h3,h4{font-family:"Fraunces",Georgia,"Times New Roman",serif;color:var(--navy);line-height:1.18;margin:0 0 .6em;font-weight:600;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.4vw,3.4rem)}
h2{font-size:clamp(1.6rem,2.8vw,2.4rem)}
h3{font-size:1.2rem}
p{margin:0 0 1.1em}
ul{margin:0;padding:0;list-style:none}
.wrap{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 22px}
.wrap.narrow{max-width:840px}
.narrow{max-width:820px;margin-left:auto;margin-right:auto}
.center{text-align:center}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;opacity:0}
.lead{font-size:1.09rem;color:#3c4c5a}
:focus-visible{outline:3px solid var(--green);outline-offset:2px}
.ic svg,.soc svg,.link-arrow svg,.btn svg{width:1em;height:1em}
.ic{display:inline-flex;align-items:center;justify-content:center}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:.5rem;border:1px solid transparent;border-radius:999px;padding:.82rem 1.5rem;font-weight:600;font-size:.96rem;cursor:pointer;transition:.25s ease;font-family:inherit;line-height:1}
.btn svg{width:18px;height:18px;transition:transform .25s ease}
.btn:hover svg{transform:translateX(3px)}
.btn-solid{background:var(--green);color:#fff}
.btn-solid:hover{background:var(--green-2);color:#fff;transform:translateY(-2px);box-shadow:0 10px 24px rgba(18,160,95,.28)}
.btn-ghost{background:rgba(255,255,255,.12);color:#fff;border-color:rgba(255,255,255,.55)}
.btn-ghost:hover{background:#fff;color:var(--navy)}
.btn-outline{background:transparent;color:var(--navy);border-color:var(--line)}
.btn-outline:hover{border-color:var(--green);color:var(--green)}
.btn-row{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.4rem}
.center-row{justify-content:center}
.link-arrow{display:inline-flex;align-items:center;gap:.4rem;font-weight:600;color:var(--green)}
.link-arrow svg{width:17px;height:17px;transition:transform .25s}
.link-arrow:hover svg{transform:translateX(4px)}

/* Topbar */
.topbar{background:var(--navy);color:#cfe0ee;font-size:.83rem}
.topbar-inner{display:flex;justify-content:space-between;align-items:center;gap:1rem;min-height:42px;flex-wrap:wrap}
.topbar-left{display:flex;gap:1.3rem;flex-wrap:wrap;align-items:center}
.tb-item{display:inline-flex;align-items:center;gap:.45rem;color:#cfe0ee}
.tb-item svg{width:15px;height:15px}
.tb-item:hover{color:#fff}
.topbar-right{display:flex;gap:.5rem}
.soc{display:inline-flex;width:28px;height:28px;align-items:center;justify-content:center;border-radius:50%;background:rgba(255,255,255,.1);color:#fff}
.soc svg{width:15px;height:15px}
.soc:hover{background:var(--green);color:#fff}

/* Header */
.site-header{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line);transition:box-shadow .3s}
.site-header.scrolled{box-shadow:0 8px 26px rgba(13,43,69,.09)}
.header-inner{display:flex;align-items:center;gap:1.2rem;min-height:76px}
.brand{display:flex;align-items:center;gap:.65rem;color:var(--navy)}
.brand .logo{width:52px;height:52px;object-fit:contain}
.brand-text{display:flex;flex-direction:column;line-height:1.1;font-family:"Fraunces",serif}
.brand-text strong{font-size:1.22rem;color:var(--navy)}
.brand-text span{font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--green);font-family:"Work Sans",sans-serif}
.mainnav{margin-left:auto}
.mainnav ul{display:flex;gap:1.35rem}
.mainnav a{color:var(--navy);font-weight:500;font-size:.95rem;position:relative;padding:.35rem 0}
.mainnav a::after{content:"";position:absolute;left:0;bottom:0;height:2px;width:0;background:var(--green);transition:width .25s}
.mainnav a:hover::after,.mainnav a.is-active::after{width:100%}
.mainnav a.is-active{color:var(--green)}
.header-cta{white-space:nowrap}
.burger{display:none;background:none;border:0;width:44px;height:44px;flex-direction:column;justify-content:center;gap:5px;cursor:pointer;margin-left:auto}
.burger span{display:block;height:2px;background:var(--navy);border-radius:2px;transition:.3s}
.burger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger.open span:nth-child(2){opacity:0}
.burger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.mobile-menu{display:none;position:sticky;top:76px;z-index:55;background:#fff;border-bottom:1px solid var(--line);padding:1rem 22px 1.4rem;box-shadow:var(--shadow-sm)}
.mobile-menu.open{display:block}
.mobile-menu ul{margin-bottom:1rem}
.mobile-menu a{display:block;padding:.72rem 0;border-bottom:1px solid var(--line);color:var(--navy);font-weight:500}
.mm-contact{display:flex;flex-direction:column;gap:.3rem;margin-top:1rem;font-size:.9rem}

/* Hero / banners */
.hero{position:relative;overflow:hidden}
.slides{position:relative;overflow:hidden;height:clamp(520px,74vh,720px)}
.slide{position:absolute;inset:0;background-size:cover;background-position:center;display:flex;align-items:center;opacity:0;visibility:hidden;transition:opacity .9s ease;transform:scale(1.04)}
.slide.is-active{opacity:1;visibility:visible;animation:kenburns 12s ease-out forwards}
@keyframes kenburns{from{transform:scale(1.06)}to{transform:scale(1)}}
.banner-overlay{position:absolute;inset:0;background:linear-gradient(100deg,rgba(13,43,69,.92) 0%,rgba(13,43,69,.72) 45%,rgba(13,43,69,.35) 100%)}
.slide-content,.banner-inner{position:relative;z-index:2;color:#fff;max-width:760px}
.slide-content h1,.slide-title,.banner-inner h1{color:#fff;margin-bottom:.5rem}
.slide-title{font-size:clamp(2rem,4.4vw,3.4rem)}
.banner-sub{color:#dbe7f1;font-size:1.08rem;max-width:620px}
.slider-dots{position:absolute;bottom:26px;left:0;right:0;display:flex;justify-content:center;gap:.6rem;z-index:3}
.slider-dots button{width:34px;height:4px;border:0;border-radius:4px;background:rgba(255,255,255,.4);cursor:pointer;padding:0}
.slider-dots button.active{background:var(--green);width:48px}
.banner{position:relative;overflow:hidden;background-size:cover;background-position:center;padding:clamp(4.5rem,10vw,7.5rem) 0}
.crumb{display:flex;gap:.5rem;font-size:.86rem;color:#c6d6e4;margin-top:1rem}
.crumb a{color:#fff}
.crumb a:hover{color:var(--green)}

/* Sections */
.section{padding:clamp(3.2rem,7vw,5.5rem) 0}
.section-tint{background:var(--tint)}
.section-navy{background:var(--navy);color:#cbdae6}
.section-navy h2,.section-navy h3{color:#fff}
h2.light{color:#fff}
.section h2.center + .lead{margin-bottom:2.4rem}
.section h2.center{margin-bottom:.6rem}

/* Stats */
.trust-strip{padding:2.6rem 0;border-bottom:1px solid var(--line)}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1.4rem;text-align:center}
.stat strong{display:block;font-family:"Fraunces",serif;font-size:2.1rem;color:var(--navy)}
.stat span{font-size:.92rem}

/* Split */
.split{display:grid;grid-template-columns:1.05fr 1fr;gap:clamp(1.8rem,4vw,3.4rem);align-items:center}
.split-rev .split-media{order:2}
.split-media img{border-radius:var(--radius);box-shadow:var(--shadow);width:100%;object-fit:cover}
.approach{display:flex;flex-wrap:wrap;gap:.5rem;margin:1.4rem 0}
.approach span{background:var(--tint);border:1px solid var(--line);border-radius:999px;padding:.35rem .95rem;font-size:.85rem;font-weight:600;color:var(--navy)}

/* Cards */
.svc-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(290px,1fr));gap:1.5rem;margin:2rem 0}
.svc-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;transition:.3s}
.svc-card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:transparent}
.svc-media{display:block;overflow:hidden;aspect-ratio:3/2}
.svc-media img{width:100%;height:100%;object-fit:cover;transition:transform .5s}
.svc-card:hover .svc-media img{transform:scale(1.06)}
.svc-body{padding:1.4rem 1.4rem 1.6rem}
.svc-body h3{margin-bottom:.5rem}
.svc-body h3 a{color:var(--navy)}
.svc-body h3 a:hover{color:var(--green)}
.svc-body p{font-size:.96rem}

/* Why list */
.why-list{display:grid;gap:1.1rem;margin:1.4rem 0}
.why-list li{display:flex;gap:.9rem}
.why-list .ic{flex:0 0 30px;width:30px;height:30px;border-radius:50%;background:rgba(18,160,95,.12);color:var(--green)}
.why-list .ic svg{width:16px;height:16px}
.why-list strong{color:var(--navy);display:block;font-family:"Fraunces",serif;font-size:1.02rem}
.why-list p{margin:.15rem 0 0;font-size:.95rem}
.why-list.compact li{align-items:center}

/* Panels / values / steps */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem}
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:2rem;box-shadow:var(--shadow-sm)}
.narrow-panel{max-width:760px;margin:2.5rem auto 0}
.value-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.4rem;margin-top:2rem}
.value-card{background:var(--tint);border-radius:var(--radius);padding:1.7rem;border-left:4px solid var(--green)}
.value-card p{margin:0;font-size:.96rem}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:1.2rem;margin-top:2.2rem}
.step{background:#fff;border-radius:var(--radius);padding:1.6rem;border:1px solid var(--line)}
.step-no{display:inline-flex;width:36px;height:36px;align-items:center;justify-content:center;border-radius:50%;background:var(--navy);color:#fff;font-weight:600;margin-bottom:.7rem}
.step p{margin:0;font-size:.93rem}

/* Team */
.team-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(270px,1fr));gap:1.6rem;margin-top:2.2rem}
.team-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;transition:.3s}
.team-card:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.team-card img{aspect-ratio:4/5;object-fit:cover;width:100%}
.team-body{padding:1.4rem}
.team-body h3{margin-bottom:.15rem}
.role{color:var(--green);font-weight:600;font-size:.9rem;margin-bottom:.6rem}
.team-body p{font-size:.94rem;margin:0}

/* Quotes */
.quote-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.6rem;margin:2.2rem 0}
.quote-grid blockquote{margin:0;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:var(--radius);padding:2rem}
.quote-grid blockquote p{font-size:1.02rem;font-style:italic}
.quote-grid cite{display:block;font-style:normal;font-weight:600;color:#fff}
.quote-grid cite span{display:block;font-weight:400;font-size:.86rem;color:#a9c1d5}
.light-quotes blockquote{background:var(--tint);border-color:var(--line)}
.light-quotes blockquote p{color:var(--body)}
.light-quotes cite{color:var(--navy)}
.light-quotes cite span{color:var(--body)}

/* Posts */
.post-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:1.6rem;margin:2rem 0}
.post-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;transition:.3s}
.post-card:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.post-media{display:block;aspect-ratio:16/10;overflow:hidden}
.post-media img{width:100%;height:100%;object-fit:cover;transition:transform .5s}
.post-card:hover .post-media img{transform:scale(1.05)}
.post-body{padding:1.4rem}
.post-date{font-size:.8rem;text-transform:uppercase;letter-spacing:.1em;color:var(--green);margin-bottom:.4rem}
.post-body h3 a{color:var(--navy)}
.post-body h3 a:hover{color:var(--green)}
.post-body p{font-size:.95rem}

/* Gallery */
.gallery{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.2rem;margin-top:2rem}
.gallery figure{margin:0;border-radius:var(--radius);overflow:hidden;position:relative;box-shadow:var(--shadow-sm)}
.gallery img{width:100%;aspect-ratio:4/3;object-fit:cover;transition:transform .5s}
.gallery figure:hover img{transform:scale(1.06)}
.gallery figcaption{position:absolute;left:0;right:0;bottom:0;padding:1.4rem 1rem .9rem;color:#fff;font-size:.9rem;background:linear-gradient(transparent,rgba(13,43,69,.86))}

/* FAQ */
.faq-list{display:grid;gap:.8rem;margin-top:2rem}
.faq-item{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.1rem 1.3rem}
.faq-item summary{cursor:pointer;font-family:"Fraunces",serif;color:var(--navy);font-size:1.04rem;list-style:none;position:relative;padding-right:2rem}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";position:absolute;right:0;top:-2px;color:var(--green);font-size:1.5rem;line-height:1}
.faq-item[open] summary::after{content:"\2013"}
.faq-item p{margin:.8rem 0 0;font-size:.97rem}

/* Article */
.article h2{margin-top:1.8rem}
.article-img{border-radius:var(--radius);margin-bottom:1.8rem;box-shadow:var(--shadow-sm);width:100%}
.article-note{font-size:.88rem;color:#6b7b89;border-left:3px solid var(--line);padding-left:1rem;margin:1.8rem 0}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:2.4rem;align-items:start}
.contact-form{display:grid;gap:1rem;margin-top:1.2rem}
.fld-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.fld{display:flex;flex-direction:column;gap:.35rem}
.fld label{font-size:.86rem;font-weight:600;color:var(--navy)}
.fld input,.fld textarea{font-family:inherit;font-size:.98rem;padding:.8rem .95rem;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--ink);width:100%}
.fld input:focus,.fld textarea:focus{border-color:var(--green);outline:none;box-shadow:0 0 0 3px rgba(18,160,95,.14)}
.form-note{font-size:.82rem;color:#7b8a97;margin:0}
.contact-aside{display:grid;gap:1.4rem}
.contact-aside img{border-radius:var(--radius);box-shadow:var(--shadow-sm)}
.contact-aside h3{margin:1.2rem 0 .3rem}
.contact-aside h3:first-child{margin-top:0}
.map-section iframe{display:block;filter:grayscale(.2)}

/* CTA band */
.cta-band{background:linear-gradient(115deg,var(--navy) 0%,var(--navy-2) 60%,var(--blue) 130%);color:#dbe7f1;text-align:center;padding:clamp(3rem,6vw,4.4rem) 0}
.cta-band h2{color:#fff}
.cta-band p{max-width:620px;margin:0 auto}
.cta-band .btn-row{justify-content:center}

/* Footer */
.site-footer{background:var(--navy);color:#b9cbdb;padding-top:3.6rem;font-size:.95rem}
.footer-grid{display:grid;grid-template-columns:1.4fr .8fr 1fr 1.3fr;gap:2rem;padding-bottom:2.4rem}
.site-footer h3{color:#fff;font-size:1.02rem;margin-bottom:.9rem}
.footer-brand .logo{width:64px;height:64px;object-fit:contain;background:#fff;border-radius:12px;padding:6px}
.footer-tag{font-family:"Fraunces",serif;color:#fff;font-size:1.08rem;margin:.9rem 0 .5rem}
.footer-copy-text{font-size:.92rem}
.flist{display:grid;gap:.55rem}
.flist a{color:#b9cbdb}
.flist a:hover{color:var(--green)}
.fcontact li{display:flex;gap:.6rem;align-items:flex-start}
.fcontact .ic{color:var(--green);flex:0 0 18px;margin-top:.28rem}
.fcontact svg{width:16px;height:16px}
.footer-soc{display:flex;gap:.5rem;margin-top:1rem}
.footer-soc a{width:34px;height:34px;display:inline-flex;align-items:center;justify-content:center;border-radius:50%;background:rgba(255,255,255,.1);color:#fff}
.footer-soc a:hover{background:var(--green)}
.footer-soc svg{width:17px;height:17px}
.footer-soc.dark a{background:var(--tint);color:var(--navy)}
.footer-soc.dark a:hover{background:var(--green);color:#fff}
.newsletter{display:flex;gap:.5rem;margin-top:1.2rem;flex-wrap:wrap}
.newsletter input{flex:1 1 150px;padding:.72rem .9rem;border-radius:999px;border:1px solid rgba(255,255,255,.2);background:rgba(255,255,255,.08);color:#fff;font-family:inherit}
.newsletter input::placeholder{color:#93a9bc}
.disclaimer{border-top:1px solid rgba(255,255,255,.12);padding-top:1.6rem;padding-bottom:1.6rem}
.disclaimer h3{font-size:.95rem}
.disclaimer p{font-size:.85rem;color:#93a9bc;margin:0}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding:1rem 0}
.footer-bottom-inner{display:flex;justify-content:space-between;flex-wrap:wrap;gap:.6rem;font-size:.85rem}
.footer-bottom p{margin:0}
.legal-links a{color:#b9cbdb;margin-left:1.2rem}

/* Floating */
.wa-float{position:fixed;right:18px;bottom:18px;z-index:70;width:54px;height:54px;border-radius:50%;background:#25d366;color:#fff;display:flex;align-items:center;justify-content:center;box-shadow:0 10px 26px rgba(0,0,0,.24)}
.wa-float svg{width:28px;height:28px}
.wa-float:hover{color:#fff;transform:translateY(-3px)}
.scroll-top-btn{position:fixed;right:20px;bottom:84px;z-index:70;width:44px;height:44px;border-radius:50%;border:0;background:var(--navy);color:#fff;cursor:pointer;opacity:0;pointer-events:none;transition:.3s;display:flex;align-items:center;justify-content:center}
.scroll-top-btn svg{width:20px;height:20px}
.scroll-top-btn.show{opacity:1;pointer-events:auto}
.cookie-banner{position:fixed;left:16px;right:16px;bottom:16px;z-index:80;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:1.1rem 1.3rem;display:flex;gap:1rem;align-items:center;justify-content:space-between;flex-wrap:wrap;max-width:820px;margin:0 auto}
.cookie-banner[hidden]{display:none !important}
.cookie-banner p{margin:0;font-size:.9rem}
.cookie-actions{display:flex;gap:.6rem}
.cookie-actions .btn-ghost{color:var(--navy);border-color:var(--line);background:transparent}
.cookie-actions .btn-ghost:hover{background:var(--tint);color:var(--navy)}

/* Reveal */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  .reveal{opacity:1;transform:none;transition:none}
  .slide.is-active{animation:none}
  html{scroll-behavior:auto}
}

/* Responsive */
@media (max-width:1080px){
  .mainnav,.header-cta{display:none}
  .burger{display:flex}
  .footer-grid{grid-template-columns:1fr 1fr}
  .stats{grid-template-columns:1fr 1fr}
}
@media (max-width:900px){
  .split,.two-col,.contact-grid,.quote-grid{grid-template-columns:1fr}
  .split-rev .split-media{order:0}
  .tb-hours,.topbar-left .tb-item:nth-child(3){display:none}
}
@media (max-width:640px){
  body{font-size:16px}
  .slides{height:auto;min-height:520px}
  .slide{position:absolute}
  .fld-row{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .topbar-left{gap:.9rem}
  .topbar-inner{justify-content:center}
  .cookie-banner{flex-direction:column;align-items:flex-start}
  .wa-float{width:48px;height:48px}
  .brand .logo{width:44px;height:44px}
  .brand-text strong{font-size:1.05rem}
}