/* KMB Financial — shared stylesheet
   Seal concept: navy #14324F, gold #B8912F, Georgia headings, Helvetica body accents. */

:root{
  --navy:#14324F;
  --navy-2:#1E466B;
  --navy-deep:#0E2438;
  --gold:#B8912F;         /* decorative only — fails AA as text on paper */
  --gold-ink:#8A6A18;     /* text-safe gold on light backgrounds */
  --gold-soft:#D9BE7A;    /* gold on navy */
  --ink:#22262B;
  --paper:#FCFCFA;
  --panel:#F4F3EE;
  --rule:#DDD9CE;
  --mut:#5D6570;
}

*{margin:0;box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{font-family:Georgia,'Times New Roman',serif;color:var(--ink);background:var(--paper);line-height:1.65}
.sans{font-family:Helvetica,Arial,sans-serif}
.wrap{max-width:1000px;margin:0 auto;padding:0 24px}
img,svg{max-width:100%}

a:focus-visible,summary:focus-visible,button:focus-visible{outline:2px solid var(--gold-ink);outline-offset:3px}

.sr-only{position:absolute;width:1px;height:1px;padding:0;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}

/* skip link */
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:12px 18px;z-index:10;font-family:Helvetica,Arial,sans-serif;font-size:14px}
.skip:focus{left:0}

/* top hairline */
.hairline{height:6px;background:linear-gradient(90deg,var(--navy) 0 60%,var(--gold) 60% 100%)}

header .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap;padding:20px 0}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none;color:var(--navy)}
.brand .nm{font-size:24px;letter-spacing:.5px;line-height:1.2}
.brand .nm small{display:block;font-family:Helvetica,Arial,sans-serif;font-size:11px;letter-spacing:4px;color:var(--gold-ink);margin-top:2px}
nav{font-family:Helvetica,Arial,sans-serif;font-size:14px;letter-spacing:1px}
nav ul{list-style:none;display:flex;flex-wrap:wrap;gap:24px;padding:0;margin:0}
nav a{color:var(--ink);text-decoration:none;text-transform:uppercase;padding-bottom:2px;border-bottom:2px solid transparent}
nav a:hover{color:var(--navy);border-bottom-color:var(--gold)}
nav a[aria-current="page"]{color:var(--navy);border-bottom-color:var(--gold)}

/* hero */
.hero{position:relative;text-align:center;padding:96px 0 84px;overflow:hidden;border-bottom:1px solid var(--rule)}
.hero .watermark{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);opacity:.05;pointer-events:none}
.hero h1{font-size:clamp(34px,5vw,54px);line-height:1.15;color:var(--navy);max-width:20ch;margin:0 auto}
.hero .lede{font-size:19px;color:var(--mut);max-width:56ch;margin:24px auto 36px}

.kick{font-family:Helvetica,Arial,sans-serif;font-size:12px;letter-spacing:6px;color:var(--gold-ink);text-transform:uppercase;margin-bottom:12px}
.hero .kick{margin-bottom:20px}

.btn{font-family:Helvetica,Arial,sans-serif;display:inline-block;text-decoration:none;padding:13px 26px;font-size:15px;letter-spacing:1px}
.btn-solid{background:var(--navy);color:#fff}
.btn-solid:hover{background:var(--navy-2)}
.btn-line{border:1.5px solid var(--navy);color:var(--navy);margin-left:12px}
.btn-line:hover{background:#eef1f4}

/* navy contact strip */
.band{background:var(--navy);color:#fff;padding:18px 0}
.band .wrap{display:flex;justify-content:center;align-items:center;flex-wrap:wrap;gap:6px 20px;
  font-family:Helvetica,Arial,sans-serif;font-size:15.5px;letter-spacing:.5px}
.band a{color:#fff;text-decoration:none;border-bottom:1px solid transparent}
.band a:hover{color:var(--gold-soft);border-bottom-color:var(--gold-soft)}
.band a:focus-visible{outline:2px solid var(--gold-soft);outline-offset:3px}
.band .sep{color:var(--gold-soft)}

section{padding:76px 0}
h2{font-size:32px;color:var(--navy);margin-bottom:16px;font-weight:normal;line-height:1.25}
h3{font-size:21px;color:var(--navy);margin-bottom:10px;font-weight:normal}

.cols{display:grid;grid-template-columns:repeat(3,1fr);gap:36px;margin-top:40px}
.cols article{border-top:3px double var(--gold);padding-top:22px}
.cols p{font-size:15.5px;color:var(--mut)}
.cols .rn{font-family:Helvetica,Arial,sans-serif;font-size:12px;letter-spacing:3px;color:var(--gold-ink);display:block;margin-bottom:8px}

.panel{background:var(--panel);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule)}

/* two-vertical fork on the home page */
.fork{display:grid;grid-template-columns:1fr 1fr;gap:44px;margin-top:40px}
.fork article{border-top:3px double var(--gold);padding-top:24px}
.fork h3{font-size:24px;margin-bottom:12px}
.fork p{color:var(--mut);font-size:16.5px;margin-bottom:18px}
.fork-link{font-family:Helvetica,Arial,sans-serif;font-size:14px;letter-spacing:1.5px;text-transform:uppercase;
  color:var(--navy);text-decoration:none;border-bottom:2px solid var(--gold);padding-bottom:3px}
.fork-link:hover{color:var(--navy-2);border-bottom-color:var(--navy)}
.fork-link::after{content:" \2192"}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.split ul{list-style:none;margin-top:8px;padding:0}
.split li{padding:13px 0;border-bottom:1px solid var(--rule);font-size:16.5px}
.split li em{font-style:normal;color:var(--gold-ink);margin-right:12px}
.sealbox{text-align:center}

/* FAQ */
.faq details{border-bottom:1px solid var(--rule);padding:20px 0}
.faq summary{cursor:pointer;font-size:20px;color:var(--navy)}
.faq p{margin-top:12px;color:var(--mut);max-width:70ch;font-size:16px}
.faq p + p{margin-top:10px}

/* closing CTA */
.close{background:var(--navy);color:#fff;text-align:center}
.close h2{color:#fff}
.close p{color:#B9C6D4;max-width:52ch;margin:12px auto 30px}
.close .btn-solid{background:var(--gold);color:var(--navy);font-weight:bold}
.close .btn-solid:hover{background:var(--gold-soft)}

/* ---- interior / article pages ---- */
.page-head{border-bottom:1px solid var(--rule);padding:56px 0 44px;background:var(--panel)}
.page-head h1{font-size:clamp(29px,4vw,42px);line-height:1.2;color:var(--navy);max-width:26ch}
.page-head .lede{font-size:18px;color:var(--mut);max-width:62ch;margin-top:18px}

.crumbs{font-family:Helvetica,Arial,sans-serif;font-size:12.5px;letter-spacing:1px;text-transform:uppercase;color:var(--mut);margin-bottom:18px}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:8px;padding:0;margin:0}
.crumbs li:not(:last-child)::after{content:"·";margin-left:8px;color:var(--gold)}
.crumbs a{color:var(--mut)}

.prose{max-width:70ch}
.prose h2{font-size:27px;margin:48px 0 14px}
.prose h3{font-size:19px;margin:30px 0 8px}
.prose p{margin-bottom:16px;font-size:17px}
.prose ul,.prose ol{margin:0 0 20px 22px}
.prose li{margin-bottom:9px;font-size:17px}
.prose a{color:var(--navy)}
.prose > :first-child{margin-top:0}

/* the direct answer AI engines should be able to lift */
.answer{border-left:4px solid var(--gold);background:var(--panel);padding:22px 26px;margin-bottom:32px}
.answer p{font-size:18.5px;margin-bottom:0;color:var(--ink)}
.answer p + p{margin-top:12px}

/* UNFILLED CONTENT MARKER — delete this rule once the about page gaps are filled */
.gap{background:#FBF3DA;border:1px dashed var(--gold-ink);border-left-width:4px;
  padding:14px 18px;margin-bottom:16px;font-size:16px;color:#5A4A1E}

.note{border-top:1px solid var(--rule);border-bottom:1px solid var(--rule);padding:18px 0;margin:32px 0;font-size:15.5px;color:var(--mut)}

table{border-collapse:collapse;width:100%;margin-bottom:24px;font-size:16px}
th,td{text-align:left;padding:11px 14px;border-bottom:1px solid var(--rule);vertical-align:top}
th{font-family:Helvetica,Arial,sans-serif;font-size:12px;letter-spacing:2px;text-transform:uppercase;color:var(--navy)}
.table-scroll{overflow-x:auto}

/* related links */
.related{margin-top:56px;border-top:3px double var(--gold);padding-top:24px}
.related h2{font-size:19px;font-family:Helvetica,Arial,sans-serif;letter-spacing:3px;text-transform:uppercase;margin-bottom:14px}
.related ul{list-style:none;padding:0;margin:0}
.related li{padding:11px 0;border-bottom:1px solid var(--rule)}
.related a{color:var(--navy);text-decoration:none;font-size:17px}
.related a:hover{border-bottom:2px solid var(--gold)}
.related span{display:block;font-size:14.5px;color:var(--mut)}

/* footer */
footer{background:var(--navy-deep);color:#9FAEBD;padding:52px 0 36px;font-size:14.5px}
footer .wrap{display:grid;grid-template-columns:1.7fr 1fr 1fr 1fr;gap:40px}
footer h2{font-family:Helvetica,Arial,sans-serif;color:#fff;font-size:12px;letter-spacing:4px;text-transform:uppercase;margin-bottom:14px}
footer ul{list-style:none;padding:0;margin:0}
footer li{margin-bottom:7px}
footer a{color:#9FAEBD;text-decoration:none}
footer a:hover{color:var(--gold-soft)}
.fine{grid-column:1/-1;border-top:1px solid #24405C;margin-top:36px;padding-top:18px;font-size:12.5px;color:#8FA0B5}

@media (max-width:940px){
  footer .wrap{grid-template-columns:1fr 1fr}
}

@media (max-width:760px){
  .cols,.split,.fork,footer .wrap{grid-template-columns:1fr}
  section{padding:56px 0}
  .hero{padding:64px 0 56px}
  .band{padding:16px 0}
  .band .wrap{font-size:14.5px;gap:4px 14px}
  .btn-line{margin:12px 0 0}
  header .wrap{padding:16px 0}
}

@media (prefers-reduced-motion:no-preference){
  .hero > *:not(.watermark){animation:rise .5s ease both}
  .hero .lede{animation-delay:.08s}
  @keyframes rise{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
}

@media print{
  .hairline,nav,.close,.hero .watermark{display:none}
  body{background:#fff}
}