/* Plett Financial — the classic, by-phone branch of TreadTax. Navy and gold, formal serif for the name and headings. */
:root {
  --navy: #13294b; --navy-deep: #0c1c35; --gold: #b8903a; --gold-light: #d9b56a; --gold-pale: #f4ead3;
  --ink: #1d2433; --ink-soft: #4e5668; --paper: #fbf8f1; --tint: #f3eee2; --line: #e3dccb; --white: #ffffff;
  --serif: "Cormorant Garamond", Garamond, "Times New Roman", serif;
  --sans: "Source Sans 3", -apple-system, "Segoe UI", sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: var(--sans); color: var(--ink); background: var(--paper); line-height: 1.6; font-size: 17px; -webkit-font-smoothing: antialiased; }
a { color: var(--navy); }
.wrap { max-width: 1080px; margin: 0 auto; padding: 0 24px; }
.narrow { max-width: 760px; }

/* Masthead */
.masthead { position: sticky; top: 0; z-index: 10; background: var(--navy); border-bottom: 3px solid var(--gold); }
.masthead-inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding-top: 12px; padding-bottom: 12px; }
.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; color: var(--white); }
.crest { width: 44px; height: 44px; flex: 0 0 auto; display: inline-flex; align-items: center; justify-content: center; border-radius: 50%; border: 2px solid var(--gold); color: var(--gold-light); font-family: var(--serif); font-weight: 700; font-size: 1.2rem; letter-spacing: 0.04em; box-shadow: inset 0 0 0 3px var(--navy), inset 0 0 0 4px rgba(217, 181, 106, 0.5); }
.crest.small { width: 34px; height: 34px; font-size: 0.95rem; }
.brand-text { display: flex; flex-direction: column; line-height: 1.1; }
.brand-name { font-family: var(--serif); font-weight: 700; font-size: 1.6rem; letter-spacing: 0.02em; }
.brand-sub { font-size: 0.72rem; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gold-light); margin-top: 3px; }
.nav { display: flex; gap: 22px; align-items: center; }
.nav a { color: #dfe5ef; text-decoration: none; font-weight: 600; font-size: 0.95rem; }
.nav a:hover { color: var(--gold-light); }
.nav .nav-cta { color: var(--navy-deep); background: var(--gold-light); padding: 8px 16px; border-radius: 4px; white-space: nowrap; }
.nav .nav-cta:hover { color: var(--navy-deep); background: var(--gold-pale); }

/* Hero */
.hero { background: radial-gradient(ellipse at 80% 0%, #1f3d6b 0%, var(--navy) 55%, var(--navy-deep) 100%); color: var(--white); padding: 84px 0 92px; border-bottom: 1px solid var(--gold); }
.eyebrow { margin: 0 0 14px; font-size: 0.8rem; font-weight: 700; letter-spacing: 0.22em; text-transform: uppercase; color: var(--gold-light); }
.hero h1 { margin: 0; font-family: var(--serif); font-weight: 600; font-size: clamp(2.6rem, 6vw, 4.4rem); line-height: 1.05; letter-spacing: 0.005em; }
.hero h1 em { font-style: italic; color: var(--gold-light); }
.lead { max-width: 620px; font-size: 1.18rem; color: #d6deea; margin: 22px 0 30px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; }
.hero-note { margin: 22px 0 0; font-size: 0.95rem; color: #b8c3d6; font-style: italic; }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; padding: 14px 26px; border-radius: 4px; font: inherit; font-weight: 700; font-size: 1rem; letter-spacing: 0.02em; text-decoration: none; cursor: pointer; border: 2px solid transparent; transition: background 0.15s, color 0.15s; }
.btn-gold { background: var(--gold); color: var(--white); border-color: var(--gold); }
.btn-gold:hover { background: #a37d2e; }
.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: var(--navy-deep); }
.btn-line { color: var(--white); border-color: var(--gold-light); }
.btn-line:hover { background: rgba(217, 181, 106, 0.12); }
.btn-line-light { color: var(--navy-deep); background: var(--gold-light); }
.btn-block { width: 100%; }
.btn[disabled] { opacity: 0.6; cursor: default; }

/* Sections */
.section { padding: 76px 0; }
.section-tint { background: var(--tint); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-title { margin: 0; text-align: center; font-family: var(--serif); font-weight: 600; font-size: clamp(2rem, 4vw, 2.6rem); color: var(--navy); }
.rule { display: flex; justify-content: center; align-items: center; gap: 10px; margin: 12px auto 30px; }
.rule::before, .rule::after { content: ""; width: 60px; height: 1px; background: var(--gold); }
.rule span { width: 8px; height: 8px; transform: rotate(45deg); border: 1.5px solid var(--gold); }
.section-lead { text-align: center; color: var(--ink-soft); margin: 0 auto 30px; max-width: 640px; }

.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.steps li { background: var(--white); border: 1px solid var(--line); border-top: 3px solid var(--gold); padding: 30px 26px; border-radius: 4px; text-align: center; }
.step-num { display: inline-block; font-family: var(--serif); font-size: 2rem; font-weight: 700; color: var(--gold); }
.steps h3, .service h3 { margin: 6px 0 8px; font-family: var(--serif); font-weight: 700; font-size: 1.45rem; color: var(--navy); }
.steps p, .service p { margin: 0; color: var(--ink-soft); }

.services { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; border: 1px solid var(--line); background: var(--white); border-radius: 4px; }
.service { padding: 26px; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.service:nth-child(3n) { border-right: none; }
.service:nth-last-child(-n+3) { border-bottom: none; }
.fees-link { text-align: center; margin: 24px 0 0; color: var(--ink-soft); }

/* Forms */
.card { background: var(--white); border: 1px solid var(--line); border-top: 3px solid var(--navy); border-radius: 4px; padding: 30px; box-shadow: 0 10px 30px rgba(19, 41, 75, 0.06); }
.form { display: grid; gap: 16px; }
.row.two { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form label { display: grid; gap: 6px; font-weight: 600; font-size: 0.95rem; color: var(--navy); }
.form .opt { font-weight: 400; color: var(--ink-soft); }
.form input, .form select, .form textarea { font: inherit; font-weight: 400; color: var(--ink); padding: 11px 12px; border: 1px solid #cfc6b1; border-radius: 4px; background: #fffdf8; width: 100%; }
.form input:focus, .form select:focus, .form textarea:focus { outline: 2px solid var(--gold-light); outline-offset: 1px; border-color: var(--gold); }
.drop { position: relative; display: flex !important; flex-direction: column; align-items: center; gap: 4px; padding: 28px 16px; border: 2px dashed var(--gold); border-radius: 6px; background: var(--gold-pale); text-align: center; cursor: pointer; }
.drop input { position: absolute; inset: 0; opacity: 0; cursor: pointer; }
.drop-title { font-family: var(--serif); font-size: 1.35rem; font-weight: 700; color: var(--navy); }
.drop-sub { font-weight: 400; font-size: 0.88rem; color: var(--ink-soft); }
.drop.is-over { background: #efe0bd; }
.file-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 6px; }
.file-list li { display: flex; justify-content: space-between; gap: 10px; font-size: 0.92rem; padding: 8px 12px; background: var(--tint); border-radius: 4px; }
.file-list li span:last-child { color: var(--ink-soft); white-space: nowrap; }
.form .check { display: flex; align-items: center; gap: 10px; font-weight: 400; color: var(--ink); }
.form .check input { width: 18px; height: 18px; accent-color: var(--navy); }
.warn { margin: 0; font-size: 0.85rem; color: var(--ink-soft); }
.progress { height: 6px; background: var(--tint); border-radius: 3px; overflow: hidden; }
.progress span { display: block; height: 100%; width: 0; background: var(--gold); transition: width 0.3s; }
.form-msg { margin: 0; min-height: 1.2em; font-weight: 600; color: var(--navy); }
.form-msg.is-error { color: #a12a1f; }

/* Online sister service */
.online { background: var(--navy); color: #dfe5ef; padding: 40px 0; }
.online-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.online p { margin: 0; max-width: 700px; }
.online-mark { font-family: var(--serif); font-size: 1.35rem; font-weight: 700; color: var(--gold-light); margin-right: 6px; }

/* Footer */
.footer { background: var(--navy-deep); color: #aab5c8; padding: 36px 0; font-size: 0.9rem; text-align: center; border-top: 3px solid var(--gold); }
.footer p { margin: 6px 0; }
.footer-brand { display: inline-flex; align-items: center; gap: 10px; font-family: var(--serif); font-size: 1.5rem; font-weight: 700; color: var(--white); }
.footer-fine { font-size: 0.8rem; color: #7f8aa0; max-width: 640px; margin: 10px auto 0 !important; }

@media (max-width: 860px) {
  .steps, .services { grid-template-columns: 1fr; }
  .service { border-right: none !important; border-bottom: 1px solid var(--line) !important; }
  .service:last-child { border-bottom: none !important; }
  .online-inner { flex-direction: column; align-items: flex-start; }
}
@media (max-width: 640px) {
  body { font-size: 16px; }
  .wrap { padding: 0 16px; }
  .nav a:not(.nav-cta) { display: none; }
  .brand-name { font-size: 1.3rem; }
  .brand-sub { font-size: 0.58rem; letter-spacing: 0.1em; white-space: nowrap; }
  .brand { gap: 9px; }
  .nav .nav-cta { padding: 7px 11px; font-size: 0.85rem; }
  .crest { width: 38px; height: 38px; font-size: 1rem; }
  .hero { padding: 56px 0 64px; }
  .section { padding: 56px 0; }
  .row.two { grid-template-columns: 1fr; }
  .card { padding: 22px 18px; }
  .hero-actions .btn { width: 100%; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }