/* PatFinancials - Terrace Slate: slate blue + rose clay on warm paper, slab display face, orderly rows. */
:root{
  --bg:#F7F4EF;--card:#FFFFFF;--ink:#1F2A36;--text:#2A2F36;--muted:#5C6572;
  --accent:#3E5A7A;--accent-deep:#2C4360;--accent-tint:#E6EBF1;--clay:#C8745A;--clay-deep:#A8522F;--clay-tint:#F0D9C9;
  --line:#E3DED6;--foot-bg:#1F2A36;--foot-text:#D9DFE7;--foot-link:#F2B59B;--pale:#9BB3CC;
  --fd:"Bitter",Georgia,serif;--fb:"Reddit Sans",system-ui,sans-serif;--r:14px;--wrap:1140px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--text);font-family:var(--fb);font-size:17px;line-height:1.6;overflow-x:hidden}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--accent-deep)}
h1,h2,h3{font-family:var(--fd);color:var(--ink);line-height:1.15;margin:0;font-weight:600;text-wrap:balance}
p,ul{margin:0}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:8px 12px;z-index:60;border-radius:8px}
.skip:focus{left:8px;top:8px}
.eyebrow{font-family:var(--fb);font-weight:600;font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:var(--clay-deep)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--fb);font-weight:600;font-size:16px;padding:14px 26px;border-radius:999px;border:1px solid transparent;text-decoration:none;cursor:pointer;transition:background .3s cubic-bezier(.22,1,.36,1),transform .3s cubic-bezier(.22,1,.36,1)}
.btn:active{transform:translateY(1px)}
.btn:focus-visible{outline:3px solid var(--clay);outline-offset:3px}
.btn-primary{background:var(--accent);color:#fff;border-color:var(--accent)}
.btn-primary:hover{background:var(--accent-deep);border-color:var(--accent-deep)}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn-ghost:hover{background:var(--accent-tint)}

/* ribbon + mast */
.ribbon{background:var(--ink);color:var(--foot-text);font-size:12.5px;letter-spacing:.02em}
.ribbon-in{display:flex;justify-content:space-between;align-items:center;gap:16px;min-height:34px}
.ribbon b{font-weight:600;color:#fff}
.ribbon a{color:var(--foot-link);text-decoration:none}
.mast{background:var(--card);border-bottom:1px solid var(--line);position:relative;z-index:5}
.mast-in{display:flex;align-items:center;justify-content:space-between;gap:20px;height:68px;position:relative}
.brand{text-decoration:none;display:inline-flex;align-items:center;gap:10px}
.brand .mark{width:28px;height:28px;flex:0 0 28px}
.wm{font-family:var(--fd);font-weight:700;font-size:23px;letter-spacing:-.01em;color:var(--ink)}
.wm b{font-weight:700;color:var(--accent)}
.nav{display:flex;align-items:center;gap:2px;border:1px solid var(--line);border-radius:999px;padding:4px;background:var(--bg)}
.nav a{font-weight:500;font-size:14.5px;color:var(--ink);text-decoration:none;padding:7px 15px;border-radius:999px;transition:background .3s cubic-bezier(.22,1,.36,1)}
.nav a:hover,.nav a[aria-current]{background:var(--card);box-shadow:0 1px 2px rgba(31,42,54,.12)}
.nb{display:none;width:44px;height:44px;border:1px solid var(--line);background:var(--card);border-radius:999px;flex-direction:column;justify-content:center;align-items:center;gap:5px;cursor:pointer;padding:0}
.nb span{display:block;width:18px;height:2px;background:var(--ink);border-radius:2px}
@media(max-width:860px){
  .ribbon-in{justify-content:center;text-align:center}
  .ribbon .rb-mail{display:none}
}
@media(max-width:600px){
  .ribbon .rb-more{display:none}
  .nav{display:none;position:absolute;top:60px;left:0;right:0;background:var(--card);border:1px solid var(--line);border-radius:var(--r);flex-direction:column;align-items:stretch;gap:0;padding:6px 0;box-shadow:0 18px 40px rgba(31,42,54,.18);margin:0}
  .nav.open{display:flex}
  .nav a{padding:13px 18px;border-radius:0;border-top:1px solid var(--line)}
  .nav a:first-child{border-top:0}
  .nb{display:inline-flex}
}

/* hero: photo under a paper veil, card first */
.hero{position:relative;padding:34px 0 64px;overflow:hidden;background:var(--clay-tint)}
.hero-bg{position:absolute;inset:0;margin:0}
.hero-bg img{width:100%;height:100%;object-fit:cover;object-position:center 40%}
.hero-veil{position:absolute;inset:0;background:linear-gradient(180deg,rgba(247,244,239,.40) 0%,rgba(247,244,239,.62) 34%,rgba(247,244,239,.86) 70%,#F7F4EF 100%)}
.hero-in{position:relative;z-index:1;text-align:center}
.hero-eyebrow{display:inline-flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:0 14px;font-weight:600;font-size:13px;letter-spacing:.12em;text-transform:uppercase;color:var(--ink);margin-bottom:20px}
.hero-eyebrow i{display:inline-block;width:1px;height:14px;background:var(--clay)}
.form-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);box-shadow:0 28px 64px rgba(31,42,54,.18);padding:0 22px 16px;width:100%;max-width:var(--card-max);margin:0 auto;text-align:left}
.form-card__head{margin:0 -22px 16px;padding:18px 22px 16px;background:var(--ink);border-radius:13px 13px 0 0}
.form-card__head h2{color:#fff;font-size:23px;letter-spacing:-.01em}
.form-card__head p{color:var(--pale);font-size:14px;margin-top:4px;line-height:1.45}
.form-host{margin-top:2px}
.form-card__trust{display:flex;align-items:flex-start;gap:8px;margin-top:14px;padding-top:12px;border-top:1px solid var(--line);font-size:12.5px;color:var(--muted);line-height:1.5}
.form-card__trust svg{width:16px;height:16px;flex:0 0 16px;margin-top:2px}
:root{--card-max:780px;--cta-text:#FFFFFF}
.ticks{display:flex;flex-wrap:wrap;justify-content:center;gap:10px 26px;margin:28px auto 0;padding:0;list-style:none;max-width:820px}
.ticks li{display:inline-flex;align-items:center;gap:8px;font-weight:500;font-size:14.5px;color:var(--ink)}
.ticks svg{width:18px;height:18px;flex:0 0 18px}
.hero-h1{font-size:clamp(31px,4.6vw,50px);letter-spacing:-.015em;max-width:760px;margin:40px auto 0}
.hero-sub{max-width:640px;margin:14px auto 0;font-size:17px;color:var(--text)}
@media(max-width:600px){
  .hero{padding:22px 0 46px}
  .form-card{margin-left:calc(50% - 50vw + 4px);margin-right:calc(50% - 50vw + 4px);width:auto;max-width:none;padding:0 14px 14px}
  .form-card__head{margin:0 -14px 14px;padding:15px 16px 13px}
  .form-card__head h2{font-size:20px}
  .ticks{display:grid;grid-template-columns:1fr 1fr;gap:10px 12px;justify-items:start;margin-top:22px}
  .ticks li{font-size:13.5px;text-align:left}
  .hero-eyebrow{font-size:11px;letter-spacing:.1em;gap:0 10px}
  .hero-h1{margin-top:30px}
}
/* weekdays strip */
.weekdays{padding:72px 0 64px}
.sec-head{max-width:720px;margin:0 auto 34px;text-align:center}
.sec-head h2{font-size:clamp(27px,3.6vw,40px);margin-top:10px;letter-spacing:-.012em}
.sec-head p{margin-top:12px;color:var(--muted)}
.wd-list{list-style:none;padding:0;margin:0 auto;max-width:900px;display:grid;grid-template-columns:1fr 1fr;gap:12px 18px}
.wd-list li{display:flex;align-items:center;gap:14px;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:14px 16px;font-size:16.5px;color:var(--ink)}
.wd{flex:0 0 52px;font-family:var(--fd);font-weight:700;font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:var(--clay-deep);background:var(--clay-tint);border-radius:9px;padding:7px 0;text-align:center}
.wd-close{max-width:720px;margin:30px auto 0;text-align:center}
.wd-close p{color:var(--text)}
.wd-close .btn{margin-top:20px}
@media(max-width:700px){.wd-list{grid-template-columns:1fr}.weekdays{padding:54px 0 48px}}

/* band */
.band{position:relative;overflow:hidden;background:var(--ink);padding:96px 0}
.band-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center}
.band-veil{position:absolute;inset:0;background:linear-gradient(90deg,rgba(31,42,54,.90) 0%,rgba(31,42,54,.72) 55%,rgba(31,42,54,.40) 100%)}
.band-in{position:relative;z-index:1;max-width:640px}
.band-in .eyebrow{color:var(--foot-link)}
.band-in h2{color:#fff;font-size:clamp(27px,3.6vw,42px);margin-top:12px;letter-spacing:-.012em}
.band-in p{color:var(--foot-text);margin-top:14px;font-size:17.5px}
.band-rule{width:56px;height:3px;background:var(--clay);border-radius:2px;margin-top:22px}
.band-link{display:inline-block;margin-top:22px;color:#fff;font-weight:600;text-decoration:none;border-bottom:1px solid var(--clay)}
@media(max-width:700px){.band{padding:64px 0}}

/* terraces: three stepped cards over the hillside art */
.terraces{position:relative;overflow:hidden;background:var(--accent-tint);padding:72px 0 0}
.terr-art{position:absolute;left:0;right:0;bottom:-2px;width:100%;height:auto;pointer-events:none}
.terr-grid{position:relative;z-index:1;display:grid;grid-template-columns:repeat(3,1fr);gap:18px;align-items:start;padding-bottom:150px}
.terr{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:24px 22px 20px;box-shadow:0 18px 40px rgba(31,42,54,.10)}
.terr:nth-child(2){margin-top:34px}
.terr:nth-child(3){margin-top:68px}
.terr .n{font-family:var(--fd);font-weight:700;font-size:15px;color:var(--clay-deep);letter-spacing:.06em}
.terr h3{font-size:21px;margin-top:8px}
.terr p{margin-top:8px;color:var(--text);font-size:15.5px}
.terr .out{display:inline-block;margin-top:14px;font-size:12.5px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--accent);background:var(--accent-tint);border-radius:999px;padding:5px 11px}
@media(max-width:860px){.terr-grid{grid-template-columns:1fr;max-width:560px;margin:0 auto;padding-bottom:120px}.terr:nth-child(2),.terr:nth-child(3){margin-top:0}.terraces{padding-top:54px}}

/* why: desk notes on slate */
.why{background:var(--ink);color:var(--foot-text);padding:80px 0}
.why .sec-head h2{color:#fff}
.why .sec-head p{color:var(--foot-text)}
.why .eyebrow{color:var(--foot-link)}
.notes{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.notes li{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:var(--r);padding:24px 22px}
.notes b{display:block;font-family:var(--fd);font-weight:700;font-size:28px;color:var(--foot-link);line-height:1}
.notes h3{color:#fff;font-size:19px;margin-top:14px}
.notes p{margin-top:8px;font-size:15.5px;color:var(--foot-text)}
@media(max-width:860px){.notes{grid-template-columns:1fr}.why{padding:60px 0}}

/* guides */
.guides{padding:72px 0 24px}
.guide-row{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.guide{display:block;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:22px 22px 20px;text-decoration:none;color:var(--text);transition:transform .5s cubic-bezier(.22,1,.36,1),box-shadow .5s cubic-bezier(.22,1,.36,1)}
.guide:hover{transform:translateY(-3px);box-shadow:0 18px 40px rgba(31,42,54,.12)}
.guide .k{font-size:12px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--clay-deep)}
.guide h3{font-size:19px;margin-top:8px;color:var(--ink)}
.guide p{margin-top:8px;font-size:15px;color:var(--muted)}
.guide .go{display:inline-block;margin-top:12px;font-weight:600;color:var(--accent)}
@media(max-width:860px){.guide-row{grid-template-columns:1fr}}

/* faq */
.faq{padding:56px 0 72px}
.qs{max-width:820px;margin:0 auto}
.q{border-bottom:1px solid var(--line)}
.q summary{list-style:none;cursor:pointer;display:flex;align-items:flex-start;gap:14px;padding:18px 0;font-family:var(--fd);font-weight:600;font-size:18.5px;color:var(--ink)}
.q summary::-webkit-details-marker{display:none}
.q summary::before{content:"";flex:0 0 10px;width:10px;height:10px;border-radius:50%;background:var(--clay);margin-top:9px;transition:transform .5s cubic-bezier(.22,1,.36,1)}
.q[open] summary::before{transform:scale(1.5);background:var(--accent)}
.q p{padding:0 0 18px 24px;color:var(--text)}

/* closing cta */
.cta{background:var(--clay-tint);padding:70px 0}
.cta-in{display:flex;align-items:center;justify-content:space-between;gap:28px}
.cta-in h2{font-size:clamp(26px,3.4vw,38px);margin-top:10px;letter-spacing:-.012em}
.cta-in p{margin-top:12px;color:var(--text);max-width:560px}
@media(max-width:760px){.cta-in{flex-direction:column;align-items:flex-start}.cta{padding:54px 0}}

/* footer */
.foot{background:var(--foot-bg);color:var(--foot-text);padding:56px 0 36px;font-size:14px}
.foot-top{display:flex;justify-content:space-between;gap:28px;align-items:flex-start;padding-bottom:26px;border-bottom:1px solid rgba(255,255,255,.14)}
.foot .wm{color:#fff}
.foot .wm b{color:var(--foot-link)}
.foot-line{margin-top:12px;max-width:560px;color:var(--foot-text)}
.foot-mail{color:var(--foot-link);font-weight:600;text-decoration:none;white-space:nowrap}
.legal-links{display:flex;flex-wrap:wrap;gap:8px 20px;padding:22px 0 10px;margin:0;list-style:none}
.legal-links a{color:var(--foot-text);text-decoration:none;font-weight:500;font-size:13.5px;border-bottom:1px solid transparent}
.legal-links a:hover{border-bottom-color:var(--foot-link)}
.disc{margin-top:14px}
.disc p{color:#B9C3CF;font-size:12.5px;line-height:1.6;margin-top:10px}
.disc b{color:var(--foot-text)}
.disc a{color:var(--foot-link)}
@media(max-width:700px){.foot-top{flex-direction:column}}

/* subpages + legal */
.sub .hero{display:none}
.prose{max-width:720px;margin:0 auto;padding:44px 20px 72px}
.prose .crumbs{font-size:13px;color:var(--muted);margin-bottom:18px}
.prose .crumbs a{color:var(--accent-deep);text-decoration:none}
.prose h1{font-size:clamp(30px,4.2vw,42px);letter-spacing:-.015em}
.prose p.updated{color:var(--muted);font-size:14px;margin-top:10px}
.prose h2{font-size:24px;margin-top:38px}
.prose h3{font-size:19px;margin-top:26px}
.prose p{margin-top:14px}
.prose strong{color:var(--ink);font-weight:600}
.prose ul,.prose ol{margin-top:12px;padding-left:22px}
.prose ul>li,.prose ol>li{margin-top:8px}
.prose a{color:var(--accent-deep)}
.prose a.btn{text-decoration:none;margin-top:22px}
.prose a.btn.btn-primary{color:#fff}
.prose a.btn.btn-ghost{color:var(--ink)}
.prose .note{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:18px 20px;margin-top:22px}
.prose .note p{margin-top:0}
.prose .faq-mini details{border-bottom:1px solid var(--line)}
.prose .faq-mini summary{cursor:pointer;font-family:var(--fd);font-weight:600;font-size:17px;color:var(--ink);padding:14px 0}
.prose .faq-mini p{margin:0 0 14px}
.prose table{width:100%;border-collapse:collapse;margin-top:16px;font-size:15px}
.prose th,.prose td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}
.prose th{font-weight:600;color:var(--ink);background:var(--accent-tint)}
@media(prefers-reduced-motion:reduce){*,*::before,*::after{transition:none!important;animation:none!important}html{scroll-behavior:auto}}

.legal-links{display:flex;flex-wrap:wrap;gap:.5rem 1.25rem}.disc p{font-size:.8rem;line-height:1.55}.cmp-modal{display:none;position:fixed;inset:0;z-index:90;background:rgba(10,14,20,.6);padding:30px 14px;overflow:auto}.cmp-modal.is-open{display:block}body.cmp-modal-open{overflow:hidden}.cmp-modal-card{max-width:860px;margin:0 auto;background:var(--card);color:var(--ink);border-radius:var(--r);box-shadow:0 30px 80px -30px rgba(0,0,0,.6)}.cmp-modal-head{position:sticky;top:0;background:var(--card);display:flex;justify-content:flex-end;padding:10px 12px;border-bottom:1px solid var(--line);border-radius:var(--r) var(--r) 0 0}.cmp-modal-close{border:0;background:var(--accent-tint);width:36px;height:36px;border-radius:9px;font-size:1.25rem;cursor:pointer;color:var(--ink)}.cmp-modal-body{padding:6px 24px 30px}.cmp-modal-body .prose{max-width:none}.cmp-modal-loading{padding:40px;text-align:center;color:var(--muted)}.unsub-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:26px 22px;margin:22px 0}.unsub-card__title{margin:0 0 6px;font-family:var(--fd);font-size:1.35rem}.unsub-card__sub{margin:0 0 18px;color:var(--muted)}.unsub-field{margin:0 0 14px}.unsub-field label{display:block;font-weight:600;font-size:.92rem;margin:0 0 6px}.unsub-field .opt{font-weight:400;color:var(--muted);font-size:.8rem;margin-left:8px}.unsub-field .req{color:var(--accent-deep)}.unsub-field input,.unsub-field select{width:100%;box-sizing:border-box;min-height:48px;padding:10px 14px;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--ink);font:inherit;font-size:1rem}.unsub-field input:focus,.unsub-field select:focus{outline:2px solid var(--accent);outline-offset:1px}.unsub-field__hint{margin:6px 0 0;font-size:.8rem;color:var(--muted)}.unsub-form__submit{display:inline-block;min-height:48px;padding:12px 22px;border:0;border-radius:999px;background:var(--accent-deep);color:#fff;font:inherit;font-weight:700;cursor:pointer}.unsub-form__submit:disabled{opacity:.6;cursor:wait}.unsub-form__legal{font-size:.8rem;color:var(--muted);margin:12px 0 0}.unsub-msg{display:none;border-radius:10px;padding:12px 14px;margin:0 0 14px;font-size:.95rem}.unsub-msg--error{background:#FDECEC;color:#8A1F1F}.unsub-msg--error.is-visible{display:block}.unsub-msg--success{background:var(--accent-tint);color:var(--ink)}.unsub-card.is-success .unsub-form,.unsub-card.is-success .unsub-card__sub{display:none}.unsub-card.is-success .unsub-msg--success{display:block}