/* ============================================================
   ADVERSA FINANCIAL & INSURANCE PARTNERS — v3
   Type: Lora (editorial serif) + Inter (UI/body)
   Palette: forest green + gold + warm paper
   Structure: split hero panel, gold stat band, alternating
   full-bleed rhythm, numbered steps, compliance-forward.
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Lora:ital,wght@0,400;0,500;0,600;0,700;1,400;1,600&family=Inter:wght@400;500;600;700;800&display=swap');

:root{
  --green:#1E4D3B; --green-dk:#123024; --green-lt:#2F6B53; --green-wash:#EEF3F0;
  --gold:#C9A227; --gold-dk:#A88418; --gold-lt:#E0BE4A;
  --ink:#101609; --ink-2:#18200F; --line-dk:#2A3320;
  --charcoal:#28311F; --slate:#56613F; --muted:#8A9179;
  --paper:#FBFAF5; --stone:#F1F0E7; --white:#fff; --line:#E3E1D3;
  --display:'Lora',Georgia,serif;
  --sans:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;
  --wrap:1200px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--charcoal);background:var(--white);line-height:1.72;font-size:17px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 40px}
.narrow{max-width:790px}

h1,h2,h3{font-family:var(--display);color:var(--ink);font-weight:600;line-height:1.14;letter-spacing:-.015em}
h1{font-size:clamp(2.5rem,5.6vw,4.2rem)}
h2{font-size:clamp(1.9rem,3.9vw,2.9rem);margin-bottom:22px}
h3{font-size:1.2rem;margin-bottom:11px;font-weight:600}
h2 em,h1 em{font-style:italic;color:var(--gold);font-weight:400}
p{margin-bottom:17px}
a{color:var(--green);text-decoration:none}
a:hover{text-decoration:underline}
.eyebrow{font-family:var(--sans);font-size:.7rem;font-weight:800;letter-spacing:.24em;text-transform:uppercase;color:var(--green-lt);margin-bottom:18px;display:block}
.eyebrow.lt{color:var(--gold-lt)}
.lede{font-size:1.15rem;color:var(--slate);line-height:1.74}
.center{text-align:center}
.muted{color:var(--muted);font-size:.9rem}
.rule{width:54px;height:3px;background:var(--gold);margin-bottom:26px}

/* Header */
header.site{position:sticky;top:0;z-index:300;background:rgba(255,255,255,.98);border-bottom:1px solid var(--line);backdrop-filter:saturate(180%) blur(12px)}
.hdr{max-width:var(--wrap);margin:0 auto;padding:14px 40px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.logo img{height:48px;width:auto}
nav.main{display:flex;align-items:center;gap:28px}
nav.main a{color:var(--charcoal);font-size:.88rem;font-weight:600}
nav.main a:hover,nav.main a.active{color:var(--green);text-decoration:none}
.nav-cta{display:inline-flex;align-items:center;gap:8px;background:var(--gold);color:#1A1405!important;padding:11px 22px;border-radius:40px;font-weight:700;font-size:.88rem}
.nav-cta:hover{background:var(--gold-lt);text-decoration:none}
.nav-toggle{display:none;background:none;border:1px solid var(--line);padding:10px 14px;cursor:pointer;font-family:var(--sans);font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:10px;padding:15px 30px;border-radius:40px;font-family:var(--sans);font-size:.88rem;font-weight:700;border:2px solid transparent;cursor:pointer;transition:.2s}
.btn .arw{transition:transform .2s}
.btn:hover .arw{transform:translateX(5px)}
.btn-gold{background:var(--gold);color:#1A1405}
.btn-gold:hover{background:var(--gold-lt);color:#1A1405;text-decoration:none}
.btn-green{background:var(--green);color:#fff}
.btn-green:hover{background:var(--green-dk);color:#fff;text-decoration:none}
.btn-outline{border-color:var(--green);color:var(--green)}
.btn-outline:hover{background:var(--green);color:#fff;text-decoration:none}
.btn-light{border-color:rgba(255,255,255,.6);color:#fff}
.btn-light:hover{background:#fff;color:var(--green);text-decoration:none}

/* ---------- SPLIT HERO ---------- */
.shero{display:grid;grid-template-columns:1.1fr .9fr;min-height:min(700px,calc(100vh - 116px));padding:0}
.shero-panel{background:linear-gradient(150deg,var(--green) 0%,var(--green-dk) 100%);color:#fff;display:flex;align-items:center;padding:76px 0;position:relative;overflow:hidden}
.shero-panel::after{content:"";position:absolute;left:-80px;bottom:-100px;width:340px;height:340px;border-radius:50%;background:radial-gradient(circle,rgba(201,162,39,.22),transparent 68%)}
.shero-panel .inner{max-width:660px;margin-left:auto;padding:0 64px 0 40px;width:100%;position:relative;z-index:2}
.shero-panel h1{color:#fff;margin-bottom:22px;font-weight:500}
.shero-panel h1 em{color:var(--gold-lt)}
.shero-panel p{color:#CBD8CF;font-size:1.12rem;max-width:520px;margin-bottom:32px}
.shero-media{position:relative;overflow:hidden;background:
  radial-gradient(ellipse 70% 60% at 30% 26%,rgba(201,162,39,.55),transparent 62%),
  linear-gradient(150deg,#2F6B53 0%,#1E4D3B 50%,#123024 100%)}
.shero-media::before{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.05) 1px,transparent 1px);background-size:24px 24px}
.shero-media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.shero-media .hmark{position:absolute;right:-56px;bottom:-72px;width:70%;opacity:.16;z-index:2}
.shero-media .cap{position:absolute;left:30px;bottom:24px;z-index:3;font-size:.64rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:rgba(255,255,255,.6)}

/* Gold stat band */
.statband{background:var(--gold);color:#1A1405}
.statband .in{max-width:var(--wrap);margin:0 auto;padding:0 40px;display:grid;grid-template-columns:repeat(5,1fr)}
.sb{padding:32px 22px;border-left:1px solid rgba(26,20,5,.2)}
.sb:first-child{border-left:0;padding-left:0}
.sb .fig{font-family:var(--display);font-size:2.2rem;font-weight:600;line-height:1}
.sb .lab{font-size:.71rem;font-weight:700;letter-spacing:.06em;margin-top:9px;color:rgba(26,20,5,.76);line-height:1.5}

/* Page head */
.page-head{position:relative;overflow:hidden;padding:88px 0 74px !important;color:#CBD8CF;
  background:linear-gradient(150deg,var(--green),var(--green-dk))}
.page-head::after{content:"";position:absolute;right:-70px;top:-60px;width:360px;height:360px;border-radius:50%;background:radial-gradient(circle,rgba(201,162,39,.26),transparent 68%)}
.page-head .wrap{position:relative;z-index:2}
.page-head h1{color:#fff;margin-bottom:18px;font-weight:500}
.page-head h1 em{color:var(--gold-lt)}
.page-head .lede{color:#CBD8CF;max-width:740px}

/* Sections */
section{padding:96px 0}
section.tight{padding:60px 0}
.bg-paper{background:var(--paper)}
.bg-stone{background:var(--stone)}
.bg-wash{background:var(--green-wash)}
.bg-green{background:var(--green);color:#CBD8CF}
.bg-green h2,.bg-green h3{color:#fff}
.bg-green .lede{color:#CBD8CF}
.bg-gold{background:var(--gold);color:#1A1405}
.bg-gold h2{color:#1A1405}
.bg-gold .lede{color:rgba(26,20,5,.8)}

/* Split rows */
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.split.rev .s-media{order:2}

/* Visual block */
.vblock{position:relative;min-height:440px;overflow:hidden;
  background:linear-gradient(150deg,#DFDCC6 0%,#B9BC98 100%)}
.vblock img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.vblock.dark{background:radial-gradient(ellipse 70% 60% at 30% 26%,rgba(201,162,39,.4),transparent 62%),linear-gradient(150deg,#1E4D3B,#123024)}
.vblock .vmark{position:absolute;right:-48px;bottom:-60px;width:66%;opacity:.28}
.vblock.dark .vmark{opacity:.18}
.vblock .cap{position:absolute;left:28px;bottom:22px;font-size:.63rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:#6E7358}
.vblock.dark .cap{color:rgba(255,255,255,.55)}

/* Services — full-bleed green band */
.svcband{background:var(--green)}
.svcgrid{max-width:var(--wrap);margin:0 auto;padding:0 40px;display:grid;grid-template-columns:repeat(2,1fr)}
.svc{padding:44px 48px 44px 0;border-top:1px solid rgba(255,255,255,.14)}
.svcgrid .svc:nth-child(-n+2){border-top:0}
.svc .n{font-family:var(--display);font-size:1rem;color:var(--gold-lt);font-weight:600;display:block;margin-bottom:14px}
.svc h3{color:#fff;font-size:1.35rem}
.svc p{font-size:.97rem;color:#B6C4BA;margin:0}

/* Steps */
.steps{border-top:1px solid var(--line)}
.step{padding:32px 0;border-bottom:1px solid var(--line);display:grid;grid-template-columns:104px 1fr;gap:32px;align-items:start}
.step .n{font-family:var(--display);font-size:2.3rem;font-weight:400;color:var(--gold);line-height:1}
.step p{margin:0;color:var(--slate);font-size:.97rem}

/* Cards */
.grid{display:grid;gap:0}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.cards{border:1px solid var(--line)}
.card{background:#fff;padding:34px 30px;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}
.g3 .card:nth-child(3n){border-right:0}
.g3 .card:nth-child(n+4){border-bottom:0}
.g2 .card:nth-child(2n){border-right:0}
.g2 .card:nth-child(n+3){border-bottom:0}
.card .num{font-family:var(--display);font-size:1.7rem;color:var(--gold);font-weight:600;display:block;margin-bottom:14px;line-height:1}
.card p:last-child{margin-bottom:0;color:var(--slate);font-size:.95rem}

/* Compliance */
.callout{border-left:4px solid var(--gold);background:var(--green-wash);padding:28px 32px}
.callout.on-dark{background:rgba(201,162,39,.12);border-left-color:var(--gold-lt)}
.callout p:last-child{margin-bottom:0}
.notice{background:#FCF7E5;border:1px solid #E4D9A9;padding:24px 28px;font-size:.93rem}
.notice strong{color:#8A6D0B}
.pull{font-family:var(--display);font-size:clamp(1.4rem,2.6vw,2rem);line-height:1.35;font-style:italic;color:var(--ink);font-weight:400;margin:36px 0;padding-left:30px;border-left:4px solid var(--gold)}

table.data{width:100%;border-collapse:collapse;font-size:.95rem;background:#fff}
table.data th,table.data td{text-align:left;padding:18px 20px;border-bottom:1px solid var(--line);vertical-align:top}
table.data thead th{background:var(--green);color:#fff;font-family:var(--sans);font-size:.66rem;letter-spacing:.16em;text-transform:uppercase;font-weight:800}
table.data tbody tr:hover{background:var(--paper)}

/* Forms */
.form-card{background:#fff;border:1px solid var(--line);padding:40px}
.field{margin-bottom:20px}
.field label{display:block;font-size:.8rem;font-weight:700;margin-bottom:8px;color:var(--charcoal)}
.field input,.field select,.field textarea{width:100%;padding:14px 16px;border:1px solid var(--line);font-family:var(--sans);font-size:.95rem;border-radius:4px}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--green);border-color:var(--green)}
.field textarea{min-height:120px;resize:vertical}
.form-note{background:var(--stone);padding:16px 18px;font-size:.83rem;color:var(--muted);margin-top:20px}
.form-msg{display:none;background:var(--green-wash);border-left:4px solid var(--gold);padding:18px 20px;margin-top:20px;font-size:.92rem}
.form-msg.show{display:block}

.cta-band{text-align:center}
.cta-band h2{max-width:800px;margin:0 auto 20px}
.cta-band p{max-width:620px;margin:0 auto 32px}
.cta-band .btn{margin:0 auto}

footer.site{background:var(--ink);color:#8A9179;padding:66px 0 30px;font-size:.9rem}
footer.site h4{color:#fff;font-size:.66rem;letter-spacing:.2em;text-transform:uppercase;margin-bottom:16px;font-family:var(--sans);font-weight:800}
footer.site a{color:#B7BEA6;display:block;margin-bottom:9px}
footer.site a:hover{color:var(--gold-lt)}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:44px;margin-bottom:44px}
.footer-logo{height:54px;margin-bottom:18px}
.footer-bottom{border-top:1px solid var(--line-dk);padding-top:26px;color:#6E7358;font-size:.78rem;line-height:1.75}

.draft-banner{background:#8A6D0B;color:#fff;text-align:center;padding:9px 20px;font-size:.72rem;font-weight:700;letter-spacing:.05em}

@media(max-width:1080px){
  .shero{grid-template-columns:1fr;min-height:0}
  .shero-panel .inner{max-width:none;margin:0;padding:0 40px}
  .shero-media{min-height:320px}
  .split{grid-template-columns:1fr;gap:38px}
  .split.rev .s-media{order:0}
  .svcgrid{grid-template-columns:1fr}
  .svcgrid .svc:nth-child(2){border-top:1px solid rgba(255,255,255,.14)}
  .svc{padding-right:0}
  .statband .in{grid-template-columns:repeat(3,1fr)}
  .sb{border-left:1px solid rgba(26,20,5,.2)}
  .sb:nth-child(3n+1){border-left:0;padding-left:0}
  .sb:nth-child(n+4){border-top:1px solid rgba(26,20,5,.2)}
  .g3{grid-template-columns:1fr 1fr}
  .g3 .card:nth-child(3n){border-right:1px solid var(--line)}
  .g3 .card:nth-child(2n){border-right:0}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:760px){
  body{font-size:16px}
  section{padding:60px 0}
  .wrap{padding:0 22px}
  .hdr{padding:12px 22px}
  .logo img{height:40px}
  nav.main{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start;gap:0;padding:6px 22px 18px}
  nav.main.open{display:flex}
  nav.main a{padding:14px 0;width:100%;border-bottom:1px solid var(--line)}
  .nav-cta{justify-content:center;margin-top:12px}
  .nav-toggle{display:block}
  .shero-panel{padding:56px 0}
  .shero-panel .inner{padding:0 22px}
  .statband .in{grid-template-columns:1fr 1fr;padding:0 22px}
  .sb{padding:20px 14px;border-left:1px solid rgba(26,20,5,.2)}
  .sb:nth-child(odd){border-left:0;padding-left:0}
  .sb:nth-child(n+3){border-top:1px solid rgba(26,20,5,.2)}
  .svcgrid{padding:0 22px}
  .svc{padding:32px 0}
  .g2,.g3{grid-template-columns:1fr}
  .card{border-right:0!important;border-bottom:1px solid var(--line)!important}
  .step{grid-template-columns:1fr;gap:12px;padding:26px 0}
  .footer-grid{grid-template-columns:1fr;gap:32px}
  .form-card{padding:26px}
  .vblock{min-height:280px}
  .pull{padding-left:20px}
}