/* The Expert Label v3 (4 Oct 2026). "Private bank x publishing house" per
   ~/YouTube/_business/expert-label-site-research/B-DESIGN.md. Light, printable, one accent. */
:root{
  --paper:#F5F1E8; --stone:#ECE6DA; --white:#FFFFFF;
  --ink:#15171C; --ink-2:#3D3F45; --muted:#5F5D57; --rule:#D9D2C3;
  --oxblood:#7A1F2B; --oxblood-dk:#5E1620; --brass:#9C7A43;
  --on-ink:#F5F1E8; --on-ink-mut:#B9B2A4;
  --serif:"Newsreader","Iowan Old Style","Palatino Linotype",Palatino,Georgia,serif;
  --sans:"Hanken Grotesk","Helvetica Neue",Helvetica,Arial,sans-serif;
  --gutter:clamp(20px,5vw,64px);
  --section:clamp(96px,11vw,160px);
  color-scheme:light;
}
*{box-sizing:border-box}
html{background:var(--paper);-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:19px;line-height:1.6;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img{display:block;max-width:100%;height:auto}
a{color:var(--oxblood);text-underline-offset:6px;text-decoration-thickness:1px}
a:hover{color:var(--oxblood-dk)}
:focus-visible{outline:2px solid var(--oxblood);outline-offset:3px}
.wrap{max-width:1240px;margin:0 auto;padding-inline:var(--gutter)}
section{padding-block:var(--section)}
.stone{background:var(--stone)}
.ink{background:var(--ink);color:var(--on-ink)}
.rule-top{border-top:1px solid var(--rule)}

/* type */
h1,h2,.display,.stat{font-family:var(--serif);font-weight:400;font-optical-sizing:auto;margin:0;text-wrap:balance}
.display{font-size:clamp(44px,5.6vw,72px);line-height:1.04;letter-spacing:-.02em}
h1{font-size:clamp(36px,4vw,52px);line-height:1.08;letter-spacing:-.015em}
h2{font-size:clamp(28px,2.8vw,36px);line-height:1.15;letter-spacing:-.01em}
h3{font-family:var(--sans);font-size:clamp(20px,1.6vw,22px);font-weight:600;line-height:1.3;margin:0}
.lead{font-family:var(--serif);font-size:clamp(21px,1.9vw,24px);line-height:1.45;color:var(--ink-2);margin:0}
.label{font-family:var(--sans);font-size:13px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin:0 0 24px}
.small,.source{font-size:16px;line-height:1.5;color:var(--muted)}
p{margin:0 0 1em;max-width:66ch}
p:last-child{margin-bottom:0}
.ox{color:var(--oxblood)}
.num{font-variant-numeric:lining-nums tabular-nums}

/* nav */
.nav{position:sticky;top:env(safe-area-inset-top,0px);z-index:10;background:var(--paper);border-bottom:1px solid transparent;transition:border-color .2s}
.nav.scrolled{border-bottom-color:var(--rule)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;height:76px}
.brand{display:flex;flex-direction:column;text-decoration:none;color:var(--ink);line-height:1.1}
.brand .wm{font-family:var(--serif);font-size:22px;font-weight:500;letter-spacing:-.005em}
.brand .by{font-size:11px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-top:4px}
.nav nav{display:flex;align-items:center;gap:28px}
.nav nav a.t{font-size:16px;font-weight:500;color:var(--ink-2);text-decoration:none}
.nav nav a.t:hover{color:var(--oxblood)}
@media (max-width:980px){.nav nav a.t{display:none}}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:10px;background:var(--oxblood);color:var(--paper);font-family:var(--sans);font-size:17px;font-weight:600;letter-spacing:.01em;padding:18px 28px;border-radius:2px;border:0;text-decoration:none;cursor:pointer;line-height:1}
.btn:hover{background:var(--oxblood-dk);color:var(--paper)}
.btn .ar{transition:transform .15s}
.btn:hover .ar{transform:translateX(3px)}
.btn.sm{padding:13px 20px;font-size:16px}
.tlink{color:var(--ink);font-weight:600;text-decoration:underline;text-decoration-color:var(--ink);text-underline-offset:6px}
.tlink:hover{color:var(--oxblood);text-decoration-color:var(--oxblood)}
.ctas{display:flex;flex-wrap:wrap;align-items:center;gap:28px;margin-top:40px}

/* grid helpers */
.g12{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));column-gap:24px}
@media (min-width:1280px){.g12{column-gap:32px}}
.c1-7{grid-column:1/8}.c8-12{grid-column:8/13}.c1-5{grid-column:1/6}.c7-12{grid-column:7/13}.c1-6{grid-column:1/7}.c2-8{grid-column:2/9}
@media (max-width:900px){.g12>*{grid-column:1/-1!important}}

/* hero */
.hero{padding-block:clamp(48px,7vw,96px) var(--section)}
.hero .g12{align-items:end;row-gap:48px}
.hero .lead{margin-top:32px;max-width:34ch}
.hero .limit{margin-top:24px;font-size:16px;color:var(--muted)}
.portrait figure{margin:0}
.portrait img{width:100%;aspect-ratio:4/5;object-fit:cover;object-position:50% 25%;animation:fadein .4s ease-out both}
.portrait figcaption{font-size:16px;color:var(--muted);margin-top:12px}
@keyframes fadein{from{opacity:0}to{opacity:1}}

/* proof */
.proof{padding-block:56px;border-top:1px solid var(--rule);border-bottom:1px solid var(--rule)}
.stats{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:32px}
@media (max-width:900px){.stats{grid-template-columns:repeat(2,minmax(0,1fr));row-gap:40px}}
.stat{font-size:clamp(52px,6vw,84px);font-weight:300;line-height:1;letter-spacing:-.03em;font-variant-numeric:lining-nums tabular-nums}
.stats p{font-size:16px;color:var(--muted);margin-top:12px}
.proof .source{margin-top:32px}
.seen{padding-block:40px}
.seen .wrap{display:flex;flex-wrap:wrap;align-items:baseline;gap:12px 40px}
.seen .label{margin:0}
.seen span.n{font-family:var(--serif);font-size:21px;font-variant:small-caps;letter-spacing:.04em;color:var(--ink-2)}

/* channels */
.cards{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));gap:24px;margin-top:64px}
.card{background:var(--white);border:1px solid var(--rule);border-radius:2px;padding:32px}
.card.wide{grid-column:1/9}.card.side{grid-column:9/13;background:transparent;border:0;padding:8px 0 0 8px;display:flex;flex-direction:column;justify-content:center}
.card.third{grid-column:span 6}
@media (max-width:900px){.card.wide,.card.side,.card.third{grid-column:1/-1}}
.card .meta{font-size:13px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:12px}
.card h2{margin-bottom:12px}
.ledger{width:100%;border-collapse:collapse;margin-top:24px;font-size:17px}
.ledger td{border-top:1px solid var(--rule);padding:12px 0;vertical-align:top}
.ledger td:last-child{text-align:right;font-family:var(--serif);font-size:20px;font-variant-numeric:lining-nums tabular-nums;color:var(--ink)}
.card .go{display:inline-block;margin-top:20px;font-weight:600}
.pull{font-family:var(--serif);font-style:italic;font-size:24px;line-height:1.4;color:var(--ink-2);margin:0}
.pull+.small{margin-top:16px}
.inprod{grid-column:1/-1;display:flex;flex-wrap:wrap;justify-content:space-between;gap:16px;border-top:1px solid var(--rule);padding-top:24px;margin-top:8px}
.inprod p{margin:0}

/* editorial */
.essay .g12{row-gap:32px}
.essay blockquote{margin:40px 0 0;padding-left:24px;border-left:1px solid var(--brass);font-family:var(--serif);font-style:italic;font-size:24px;line-height:1.4;color:var(--ink-2)}

/* founder band */
.founder .g12{row-gap:48px;align-items:start}
.founder img{width:100%;aspect-ratio:4/5;object-fit:cover;object-position:50% 25%;filter:grayscale(1) contrast(1.05)}
.founder .label{color:var(--on-ink-mut)}
.founder .letter p{font-family:var(--serif);font-size:clamp(20px,1.8vw,23px);line-height:1.5;color:var(--on-ink)}
.founder .sig{font-family:var(--serif);font-style:italic;font-size:30px;margin-top:32px;color:var(--on-ink)}
.founder .who{font-size:16px;color:var(--on-ink-mut);margin-top:4px}

/* deal table */
.terms{width:100%;border-collapse:collapse;margin-top:56px}
.terms th,.terms td{text-align:left;vertical-align:top;padding:22px 24px 22px 0;border-top:1px solid var(--rule);font-size:19px}
.terms thead th{font-size:13px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);border-top:0;padding-bottom:12px}
.terms tbody th{font-weight:600;width:22%;color:var(--ink)}
.terms td{width:39%;color:var(--ink-2)}
.terms tr:last-child th,.terms tr:last-child td{border-bottom:1px solid var(--rule)}
.terms .key{color:var(--oxblood);font-weight:600}
@media (max-width:760px){
  .terms thead{display:none}
  .terms tr{display:block;border-top:1px solid var(--rule);padding:16px 0}
  .terms th,.terms td{display:block;width:auto;border:0;padding:4px 0}
  .terms td::before{content:attr(data-h) ": ";font-size:13px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
  .terms tr:last-child th,.terms tr:last-child td{border-bottom:0}
}
.example{margin-top:48px;background:var(--stone);padding:32px;border-radius:2px;max-width:820px}
.example .label{margin-bottom:12px}
.example p{font-size:19px}
.example .small{margin-top:12px}

/* process */
.steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:32px;margin-top:64px;border-top:1px solid var(--rule);padding-top:40px}
@media (max-width:900px){.steps{grid-template-columns:1fr;gap:40px}}
.step .n{font-family:var(--serif);font-size:48px;line-height:1;color:var(--brass);font-variant-numeric:lining-nums}
.step h3{margin:16px 0 8px}
.step p{font-size:17px;color:var(--ink-2)}
.step .when{font-size:15px;color:var(--muted);margin-top:12px}

/* fit */
.fit{display:grid;grid-template-columns:1fr 1fr;gap:48px;margin-top:56px}
@media (max-width:900px){.fit{grid-template-columns:1fr}}
.fit h3{padding-bottom:16px;border-bottom:1px solid var(--rule);margin-bottom:8px}
.fit ul{list-style:none;margin:0;padding:0}
.fit li{padding:14px 0;border-bottom:1px solid var(--rule);color:var(--ink-2)}

/* quotes */
.quotes{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:48px;margin-top:56px}
@media (max-width:900px){.quotes{grid-template-columns:1fr;gap:40px}}
.quotes figure{margin:0}
.quotes blockquote{margin:0;font-family:var(--serif);font-style:italic;font-size:24px;line-height:1.4;color:var(--ink)}
.quotes figcaption{margin-top:16px;padding-top:16px;border-top:1px solid var(--rule);font-size:16px;color:var(--muted)}

/* faq */
.faq{margin-top:48px;border-top:1px solid var(--rule)}
.faq details{border-bottom:1px solid var(--rule)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;gap:24px;padding:24px 0;font-size:20px;font-weight:600;line-height:1.35}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-family:var(--serif);font-size:30px;font-weight:300;line-height:1;color:var(--oxblood);transition:transform .22s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{padding-bottom:24px;color:var(--ink-2)}

/* apply */
.apply .g12{row-gap:40px;align-items:start}
.apply ul{margin:32px 0 0;padding:0;list-style:none}
.apply li{padding:12px 0;border-top:1px solid var(--rule);color:var(--ink-2)}
.applycard{background:var(--white);padding:40px;border-radius:2px;box-shadow:0 1px 2px rgba(21,23,28,.06),0 8px 24px rgba(21,23,28,.06)}
.applycard p{color:var(--ink-2)}

/* footer */
footer{border-top:1px solid var(--rule);padding-block:64px;font-size:16px;color:var(--ink-2)}
footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px}
@media (max-width:900px){footer .cols{grid-template-columns:1fr 1fr}}
footer h4{font-size:13px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin:0 0 12px}
footer a{color:var(--ink-2)}
footer .legal{margin-top:48px;color:var(--muted)}
footer nav{display:flex;flex-direction:column;gap:6px}

/* sub pages (apply, thanks, privacy) */
.page{padding-block:clamp(56px,7vw,96px) var(--section)}
.page .intro{max-width:760px}
.page h1{margin-bottom:24px}
.formwrap{max-width:860px;margin-top:56px}
form fieldset{border:0;padding:0;margin:0 0 56px}
form legend,.fs-title{font-family:var(--serif);font-size:28px;line-height:1.2;margin-bottom:8px;padding:0}
.fs-note{color:var(--muted);font-size:16px;margin-bottom:24px}
.row{display:grid;gap:20px;margin-bottom:20px}
.row.two{grid-template-columns:1fr 1fr}.row.three{grid-template-columns:1fr 1fr 1fr}.row.four{grid-template-columns:repeat(4,1fr)}
@media (max-width:760px){.row.two,.row.three,.row.four{grid-template-columns:1fr}}
label{display:block;font-size:16px;font-weight:600;color:var(--ink);margin-bottom:8px}
label .opt{font-weight:400;color:var(--muted)}
input,select,textarea{width:100%;min-height:56px;padding:14px 16px;font:400 18px/1.4 var(--sans);color:var(--ink);background:var(--white);border:1px solid #C9C0AE;border-radius:2px;appearance:none;-webkit-appearance:none}
textarea{min-height:120px;resize:vertical}
select{background-image:linear-gradient(45deg,transparent 50%,var(--ink-2) 50%),linear-gradient(135deg,var(--ink-2) 50%,transparent 50%);background-position:calc(100% - 22px) 50%,calc(100% - 16px) 50%;background-size:6px 6px;background-repeat:no-repeat;padding-right:44px}
input:focus,select:focus,textarea:focus{outline:2px solid var(--oxblood);outline-offset:0;border-color:var(--oxblood)}
[aria-invalid="true"]{border-color:var(--oxblood)!important;background:#FBF4F3}
.field-hint{font-size:15px;color:var(--muted);margin-top:8px}
.check{display:flex;gap:12px;align-items:flex-start;font-weight:400;font-size:17px;color:var(--ink-2)}
.check input{width:22px;min-height:22px;height:22px;margin-top:3px;flex:none;appearance:auto;-webkit-appearance:auto;accent-color:var(--oxblood)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-msg{margin-top:16px;font-size:17px;color:var(--ink-2)}
.form-msg.err{color:var(--oxblood)}
.prose h2{margin:48px 0 16px}
.prose p,.prose li{color:var(--ink-2)}

@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}

.form-wrap{max-width:908px}
.page .lead{margin-top:8px}
form .row>div{min-width:0}
.form-wrap form{margin-top:56px}