/* ───────── Ladder Insights — site styles (Sept 2026) ─────────
   Brand: teal #1A9390 · gray #727273 · purple #92278F · orange #E8873A (alt accent)
   Type: Graphik (Semibold headings, Regular body). Inter is the web fallback
   until a Graphik web-font license is added — drop the @font-face in and it takes over. */
:root {
  --bg: #fafaf8;
  --bg-2: #f1f2f1;
  --ink: #16191a;
  --ink-2: #33393a;
  --ink-3: #5c6264;
  --gray: #727273;
  --rule: #dcdedd;
  --rule-2: #c6c9c8;

  --teal: #1A9390;
  --teal-deep: #137270;
  --teal-ink: #0d4f4d;
  --teal-tint: #e6f3f2;
  --purple: #92278F;
  --orange: #E8873A;

  --sans: "Graphik", "Inter", system-ui, -apple-system, "Helvetica Neue", Arial, sans-serif;

  --maxw: 1240px;
  --gutter: clamp(16px, 4vw, 56px);
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  background: var(--bg);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
::selection { background: var(--teal); color: #fff; }
:focus-visible { outline: 2px solid var(--teal); outline-offset: 3px; }

h1, h2, h3, h4 { font-weight: 600; letter-spacing: -0.02em; margin: 0; text-wrap: balance; }

.wrap { max-width: var(--maxw); margin: 0 auto; padding-left: var(--gutter); padding-right: var(--gutter); }

.eyebrow {
  font-size: 12px; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--ink-3);
}
.eyebrow .num { color: var(--teal); margin-right: 10px; }
.em { color: var(--teal); }
.em-purple { color: var(--purple); }

/* ── nav ── */
.nav {
  position: sticky; top: 0; z-index: 50;
  background: rgba(250, 250, 248, 0.92);
  backdrop-filter: saturate(140%) blur(10px);
  -webkit-backdrop-filter: saturate(140%) blur(10px);
  border-bottom: 1px solid var(--rule);
}
.nav-inner { display: flex; align-items: center; justify-content: space-between; height: 72px; gap: 24px; }
.logo img { height: 40px; width: auto; }
.nav-links { display: flex; gap: 28px; font-size: 14px; font-weight: 500; color: var(--ink-2); }
.nav-links a { padding: 4px 0; border-bottom: 2px solid transparent; transition: color .15s, border-color .15s; white-space: nowrap; }
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--teal); border-bottom-color: var(--teal); }
.nav-cta {
  display: inline-flex; align-items: center; gap: 8px; height: 40px; padding: 0 18px;
  background: var(--teal); color: #fff; font-size: 14px; font-weight: 600; border-radius: 4px;
  transition: background .15s; white-space: nowrap;
}
.nav-cta:hover { background: var(--teal-deep); }
@media (max-width: 960px) {
  .nav-inner { flex-wrap: wrap; height: auto; padding-top: 12px; padding-bottom: 0; gap: 12px; }
  .logo img { height: 32px; }
  .nav-cta { height: 36px; padding: 0 14px; font-size: 13px; }
  .nav-links {
    order: 3; width: 100%; overflow-x: auto; gap: 22px; padding: 6px 0 10px;
    border-top: 1px solid var(--rule); scrollbar-width: none;
  }
  .nav-links::-webkit-scrollbar { display: none; }
}

/* ── buttons ── */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 50px; padding: 0 24px; font-size: 15px; font-weight: 600;
  border: 1.5px solid var(--teal); background: var(--teal); color: #fff; border-radius: 4px;
  cursor: pointer; transition: background .15s, color .15s, border-color .15s;
}
.btn:hover { background: var(--teal-deep); border-color: var(--teal-deep); }
.btn.outline { background: transparent; color: var(--ink); border-color: var(--ink); }
.btn.outline:hover { background: var(--ink); color: #fff; }
.btn.light { background: #fff; color: var(--ink); border-color: #fff; }
.btn.light:hover { background: var(--teal); color: #fff; border-color: var(--teal); }
.btn.ghost-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.5); }
.btn.ghost-light:hover { border-color: #fff; }
.btn .arrow { font-size: 17px; line-height: 1; }

/* ── hero ── */
.hero { padding: clamp(56px, 9vw, 120px) 0 clamp(48px, 7vw, 88px); }
.hero-eyebrow { display: flex; gap: 12px; align-items: baseline; margin-bottom: 32px; line-height: 1.6; }
.hero-eyebrow .dot { flex: none; transform: translateY(-1px); }
.hero-eyebrow .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--purple); }
.hero h1 { font-size: clamp(38px, 6.4vw, 84px); line-height: 1.02; letter-spacing: -0.03em; max-width: 17ch; }
.hero-sub {
  display: grid; grid-template-columns: 1fr; gap: 28px;
  margin-top: 48px; padding-top: 32px; border-top: 1px solid var(--rule);
}
.hero-sub p { margin: 0; max-width: 600px; font-size: 18px; color: var(--ink-2); }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; align-items: center; }
@media (min-width: 900px) {
  .hero-sub { grid-template-columns: 1.2fr 1fr; align-items: end; }
  .hero-actions { justify-content: flex-end; }
}

.stat-bar {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 0;
  margin-top: 56px; border-top: 1px solid var(--rule); border-bottom: 1px solid var(--rule);
}
.stat { padding: 22px 20px 22px 0; }
.stat b { display: block; font-size: clamp(28px, 3.4vw, 40px); font-weight: 600; letter-spacing: -0.02em; color: var(--teal); line-height: 1.1; }
.stat span { display: block; font-size: 13.5px; color: var(--ink-3); margin-top: 6px; max-width: 24ch; }
@media (min-width: 800px) {
  .stat-bar { grid-template-columns: repeat(4, 1fr); }
  .stat + .stat { padding-left: 24px; border-left: 1px solid var(--rule); }
}
@media (max-width: 799px) {
  .stat:nth-child(even) { padding-left: 16px; border-left: 1px solid var(--rule); }
  .stat:nth-child(n+3) { border-top: 1px solid var(--rule); }
}

/* ── sections ── */
.section { padding: clamp(64px, 9vw, 112px) 0; border-top: 1px solid var(--rule); }
.section.alt { background: var(--bg-2); }
.section.dark { background: var(--ink); color: #fff; border-top-color: var(--ink); }
.section.dark .eyebrow { color: #aeb4b5; }
.section.teal { background: var(--teal-ink); color: #fff; border-top-color: var(--teal-ink); }
.section.teal .eyebrow { color: #a9d6d4; }
.section.teal .eyebrow .num { color: #fff; }

.section-head { display: grid; grid-template-columns: 1fr; gap: 20px; margin-bottom: 48px; }
@media (min-width: 900px) { .section-head { grid-template-columns: 220px 1fr; gap: 64px; } }
.section-head h2 { font-size: clamp(30px, 4.2vw, 52px); line-height: 1.08; letter-spacing: -0.025em; max-width: 22ch; }
.section-head .lede { max-width: 640px; font-size: 17.5px; color: var(--ink-2); margin: 18px 0 0; }
.section.dark .section-head .lede, .section.teal .section-head .lede { color: #cfd5d6; }

/* ── card grids ── */
.grid { display: grid; grid-template-columns: 1fr; gap: 1px; background: var(--rule); border: 1px solid var(--rule); }
@media (min-width: 720px) { .grid.g2, .grid.g3, .grid.g4 { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1040px) { .grid.g3 { grid-template-columns: repeat(3, 1fr); } .grid.g4 { grid-template-columns: repeat(4, 1fr); } }
.card { background: var(--bg); padding: 32px 28px; display: flex; flex-direction: column; gap: 12px; }
.section.alt .card { background: #fff; }
.card .ix { font-size: 12px; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--teal); }
.card h3 { font-size: 22px; line-height: 1.2; }
.card p { margin: 0; font-size: 15.5px; color: var(--ink-2); }
.card[data-accent="purple"] .ix { color: var(--purple); }
.card[data-accent="orange"] .ix { color: var(--orange); }
.card ul { list-style: none; padding: 0; margin: 4px 0 0; display: grid; gap: 8px; font-size: 14.5px; color: var(--ink-2); }
.card ul li { padding-left: 20px; position: relative; }
.card ul li::before { content: ""; position: absolute; left: 0; top: .72em; width: 10px; height: 2px; background: var(--teal); }

.section.dark .grid, .section.teal .grid { background: rgba(255,255,255,.14); border-color: rgba(255,255,255,.14); }
.section.dark .card { background: var(--ink); }
.section.teal .card { background: var(--teal-ink); }
.section.dark .card h3, .section.teal .card h3 { color: #fff; }
.section.dark .card p, .section.teal .card p, .section.dark .card ul, .section.teal .card ul { color: #cfd5d6; }
.section.teal .card .ix { color: #a9d6d4; }
.section.teal .card ul li::before { background: #a9d6d4; }

/* ── chips ── */
.chips { display: flex; flex-wrap: wrap; gap: 10px; }
.chip { display: inline-block; padding: 9px 14px; border: 1px solid var(--rule-2); background: #fff; font-size: 14.5px; font-weight: 500; color: var(--ink-2); border-radius: 999px; }
.chip.teal { border-color: var(--teal); color: var(--teal-ink); background: var(--teal-tint); }

.split { display: grid; grid-template-columns: 1fr; gap: 40px; }
@media (min-width: 900px) { .split { grid-template-columns: 1fr 1fr; gap: 64px; } }
.split > div > h3 { font-size: 15px; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--ink-3); margin-bottom: 16px; }

/* ── offers (pricing) ── */
.offers { display: grid; grid-template-columns: 1fr; gap: 20px; }
@media (min-width: 860px) { .offers { grid-template-columns: 1fr 1fr; } }
.offer { background: #fff; color: var(--ink); border-radius: 6px; padding: 32px 28px; display: flex; flex-direction: column; gap: 14px; border: 1px solid var(--rule); }
.offer.featured { border: 2px solid var(--teal); }
.offer .tag { font-size: 12px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--teal); }
.offer.featured .tag { color: var(--purple); }
.offer h3 { font-size: 26px; }
.offer .price { font-size: 44px; font-weight: 600; letter-spacing: -0.03em; line-height: 1; }
.offer .price small { font-size: 15px; font-weight: 400; color: var(--ink-3); letter-spacing: 0; margin-left: 6px; }
.offer ul { list-style: none; padding: 0; margin: 4px 0 8px; display: grid; gap: 8px; font-size: 15px; color: var(--ink-2); flex: 1; }
.offer ul li { padding-left: 26px; position: relative; }
.offer ul li::before { content: "✓"; position: absolute; left: 0; color: var(--teal); font-weight: 600; }
.fine { font-size: 13.5px; color: var(--ink-3); margin: 18px 0 0; }
.section.dark .fine, .section.teal .fine { color: #aeb4b5; }

/* ── steps ── */
.steps { display: grid; grid-template-columns: 1fr; gap: 28px; counter-reset: s; }
@media (min-width: 800px) { .steps { grid-template-columns: repeat(4, 1fr); } }
.step { border-top: 2px solid var(--teal); padding-top: 18px; }
.step b { display: block; font-size: 19px; margin-bottom: 6px; }
.step p { margin: 0; font-size: 15px; color: var(--ink-2); }
.step::before { counter-increment: s; content: "0" counter(s); display: block; font-size: 12px; font-weight: 600; letter-spacing: .1em; color: var(--teal); margin-bottom: 8px; }

/* ── timeline ── */
.timeline { border-top: 1px solid var(--rule); }
.t-row { display: grid; grid-template-columns: 1fr; gap: 4px 32px; padding: 20px 0; border-bottom: 1px solid var(--rule); }
@media (min-width: 800px) { .t-row { grid-template-columns: 130px 300px 1fr; } }
.t-row .yr { font-size: 14px; font-weight: 600; color: var(--teal); font-variant-numeric: tabular-nums; }
.t-row .org { font-weight: 600; }
.t-row .org span { display: block; font-weight: 400; color: var(--ink-3); font-size: 14.5px; }
.t-row p { margin: 0; font-size: 15px; color: var(--ink-2); }

/* ── table ── */
.table-wrap { overflow-x: auto; border: 1px solid var(--rule); background: #fff; }
table.fees { width: 100%; border-collapse: collapse; min-width: 560px; font-size: 15px; }
table.fees th { text-align: left; font-size: 12px; letter-spacing: .1em; text-transform: uppercase; color: var(--ink-3); font-weight: 600; padding: 14px 18px; border-bottom: 1px solid var(--rule); background: var(--bg-2); }
table.fees td { padding: 16px 18px; border-bottom: 1px solid var(--rule); vertical-align: top; }
table.fees tr:last-child td { border-bottom: 0; }
table.fees td.fee { font-weight: 600; color: var(--teal-ink); white-space: nowrap; }

/* ── topics ── */
.topic { display: grid; grid-template-columns: 1fr; gap: 12px 48px; padding: 32px 0; border-bottom: 1px solid var(--rule); }
.topic:first-child { border-top: 1px solid var(--rule); }
@media (min-width: 900px) { .topic { grid-template-columns: 340px 1fr; } }
.topic .ix { font-size: 12px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--teal); margin-bottom: 8px; }
.topic.signature .ix { color: var(--purple); }
.topic h3 { font-size: 24px; line-height: 1.2; }
.topic p { margin: 0 0 12px; color: var(--ink-2); }
.topic ul { margin: 0; padding-left: 18px; color: var(--ink-2); display: grid; gap: 6px; font-size: 15px; }

/* ── CTA panels ── */
.cta-row { display: grid; grid-template-columns: 1fr; gap: 1px; background: var(--rule); border: 1px solid var(--rule); }
@media (min-width: 900px) { .cta-row { grid-template-columns: repeat(3, 1fr); } }
.cta-panel { background: var(--bg); padding: 40px 32px; display: flex; flex-direction: column; gap: 16px; min-height: 300px; }
.cta-panel.dark { background: var(--ink); color: #fff; }
.cta-panel.dark .eyebrow { color: #aeb4b5; }
.cta-panel h3 { font-size: clamp(24px, 2.6vw, 32px); line-height: 1.12; }
.cta-panel p { margin: 0; flex: 1; font-size: 15.5px; color: var(--ink-2); }
.cta-panel.dark p { color: #cfd5d6; }
.cta-panel .actions { display: flex; flex-wrap: wrap; gap: 10px; }

/* ── page hero ── */
.page-hero { padding: clamp(48px, 7vw, 88px) 0 clamp(36px, 5vw, 56px); border-bottom: 1px solid var(--rule); }
.page-hero h1 { font-size: clamp(34px, 5.4vw, 68px); line-height: 1.04; letter-spacing: -0.03em; margin-top: 18px; max-width: 20ch; }
.page-hero .lede { max-width: 660px; font-size: 18px; color: var(--ink-2); margin: 22px 0 0; }
.page-hero .hero-actions { justify-content: flex-start; margin-top: 32px; }

/* ── notices / placeholders ── */
.notice {
  border: 1.5px dashed var(--orange); background: #fdf4ec; color: #7a4212;
  padding: 18px 20px; font-size: 14.5px; border-radius: 4px;
}
.notice b { color: #5c300b; }

/* ── panel box ── */
.panel { border: 1px solid var(--rule); background: #fff; padding: 32px 28px; border-radius: 6px; }
.split .panel h3, .panel h3 { font-size: 22px; letter-spacing: -0.02em; text-transform: none; color: var(--ink); margin-bottom: 10px; }
.panel p { margin: 0 0 14px; color: var(--ink-2); }
.meta-list { list-style: none; padding: 0; margin: 18px 0 0; border-top: 1px solid var(--rule); }
.meta-list li { display: flex; justify-content: space-between; gap: 16px; padding: 12px 0; border-bottom: 1px solid var(--rule); font-size: 14.5px; color: var(--ink-3); }
.meta-list li b { color: var(--ink); font-weight: 600; text-align: right; }

/* ── faq ── */
.faq details { border-bottom: 1px solid var(--rule); padding: 18px 0; }
.faq details:first-child { border-top: 1px solid var(--rule); }
.faq summary { cursor: pointer; font-weight: 600; font-size: 17px; list-style: none; display: flex; justify-content: space-between; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--teal); font-size: 22px; line-height: 1; }
.faq details[open] summary::after { content: "–"; }
.faq details p { margin: 12px 0 0; color: var(--ink-2); max-width: 70ch; }

/* ── footer ── */
.footer { border-top: 1px solid var(--rule); padding: 64px 0 36px; background: #fff; }
.footer-grid { display: grid; grid-template-columns: 1fr; gap: 36px; }
@media (min-width: 900px) { .footer-grid { grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 48px; } }
.footer .logo img { height: 44px; }
.footer .lede-foot { max-width: 360px; color: var(--ink-2); font-size: 14.5px; margin: 18px 0 0; }
.footer h5 { font-size: 12px; letter-spacing: .12em; text-transform: uppercase; color: var(--ink-3); font-weight: 600; margin: 0 0 14px; }
.footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; font-size: 14.5px; color: var(--ink-2); }
.footer ul a:hover { color: var(--teal); }
.footer-bottom {
  margin-top: 48px; padding-top: 22px; border-top: 1px solid var(--rule);
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px;
  font-size: 13px; color: var(--gray);
}