/* PMD Financial — sticky header with persistent CTA; split heroes (copy + portrait or price panel); service cards as router; tinted alternating bands; dark closing band */
:root{
  --bg:#ffffff; --tint:#f2f5f9; --fg:#0f1b2d; --muted:#56637a; --line:#dde3ec;
  --navy:#13294b; --navy-ink:#ffffff; --accent:#2f6fde; --gold:#a86b12; --card:#ffffff;
  --sans:"Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --radius:14px; --shadow:0 1px 2px rgba(15,27,45,.06),0 8px 24px rgba(15,27,45,.06);
}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){
  --bg:#0b1220; --tint:#111a2c; --fg:#e8edf5; --muted:#9aa7bd; --line:#223049;
  --navy:#c9d8f2; --navy-ink:#0b1220; --accent:#7fa9f5; --gold:#e0b25c; --card:#121c30;
  --shadow:0 1px 2px rgba(0,0,0,.3); color-scheme:dark}}
:root[data-theme="dark"]{
  --bg:#0b1220; --tint:#111a2c; --fg:#e8edf5; --muted:#9aa7bd; --line:#223049;
  --navy:#c9d8f2; --navy-ink:#0b1220; --accent:#7fa9f5; --gold:#e0b25c; --card:#121c30;
  --shadow:0 1px 2px rgba(0,0,0,.3); color-scheme:dark}

*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--fg);font:400 1.0625rem/1.65 var(--sans)}
body::before{content:"";position:fixed;inset:0 0 auto;height:env(safe-area-inset-top,0px);z-index:30;background:var(--bg)}
a{color:inherit}
img{max-width:100%;display:block}
:focus-visible{outline:2px solid var(--accent);outline-offset:3px;border-radius:6px}
.wrap{max-width:72rem;margin:0 auto;padding-left:max(20px,env(safe-area-inset-left,0px));padding-right:max(20px,env(safe-area-inset-right,0px))}
.narrow{max-width:48rem}
h1,h2,h3{margin:0;line-height:1.15;letter-spacing:-.02em;text-wrap:balance}
h1{font-size:clamp(2.1rem,5vw,3.4rem);font-weight:800}
h2{font-size:clamp(1.55rem,3vw,2.1rem);font-weight:800}
h3{font-size:1.15rem;font-weight:700}
p{margin:0}
.eyebrow{font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--accent)}
.muted{color:var(--muted)}
.small{font-size:.9rem}
.link{font-weight:700;color:var(--accent);text-decoration:none}
.link:hover{text-decoration:underline}
section{padding-block:clamp(3.25rem,7vw,5.5rem)}
.tint{background:var(--tint)}
.head{display:grid;gap:.75rem;max-width:42rem;margin-bottom:2.25rem}
.stack{display:grid;gap:1rem}

/* Header */
.site-header{position:sticky;top:env(safe-area-inset-top,0px);z-index:20;background:color-mix(in srgb,var(--bg) 90%,transparent);backdrop-filter:saturate(1.4) blur(10px);-webkit-backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;gap:1.5rem;min-height:68px}
.brand{text-decoration:none;display:flex;align-items:center;gap:.6rem;font-weight:800;font-size:1.1rem;letter-spacing:-.01em;white-space:nowrap}
.mark{width:32px;height:32px;border-radius:9px;background:var(--navy);color:var(--navy-ink);display:grid;place-items:center;font-size:.72rem;font-weight:800;letter-spacing:.02em}
.nav{display:flex;gap:1.35rem;margin-left:auto;font-size:.93rem;font-weight:500}
.nav a{text-decoration:none;color:var(--muted);white-space:nowrap}
.nav a:hover,.nav a[aria-current="page"]{color:var(--fg)}
.nav a[aria-current="page"]{box-shadow:0 2px 0 var(--accent)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;text-decoration:none;font:700 .95rem/1 var(--sans);padding:.9rem 1.3rem;border-radius:999px;border:1.5px solid var(--navy);background:var(--navy);color:var(--navy-ink);cursor:pointer;white-space:nowrap}
.btn:hover{filter:brightness(1.12)}
.btn.ghost{background:transparent;color:var(--navy)}
.btn.sm{padding:.65rem 1rem;font-size:.88rem}
.menu-btn{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:10px;width:44px;height:44px;color:var(--fg);cursor:pointer}
.menu-btn span{display:block;width:18px;height:2px;background:currentColor;margin:4px auto;border-radius:2px}

/* Hero */
.hero{padding-block:clamp(3rem,7vw,5.5rem)}
.hero .wrap{display:grid;grid-template-columns:1.25fr .75fr;gap:clamp(2rem,5vw,4rem);align-items:center}
.hero-copy{display:grid;gap:1.35rem;min-width:0}
.lede{font-size:clamp(1.08rem,1.6vw,1.22rem);color:var(--muted);max-width:36rem}
.actions{display:flex;flex-wrap:wrap;gap:.75rem}
.trust{display:flex;flex-wrap:wrap;gap:.5rem 1.25rem;font-size:.88rem;color:var(--muted)}
.trust span{display:inline-flex;align-items:center;gap:.4rem}
.trust span::before{content:"";width:16px;height:16px;border-radius:50%;background:var(--tint);border:4px solid var(--accent);box-sizing:border-box;flex:none}
.portrait{justify-self:center;position:relative;width:min(100%,360px);aspect-ratio:1;margin:0}
.portrait img{width:100%;height:100%;object-fit:cover;border-radius:50%;box-shadow:var(--shadow);border:6px solid var(--bg);outline:1px solid var(--line)}
.portrait figcaption{position:absolute;left:50%;bottom:-.5rem;transform:translateX(-50%);background:var(--card);border:1px solid var(--line);box-shadow:var(--shadow);border-radius:999px;padding:.5rem 1rem;font-size:.85rem;white-space:nowrap;text-align:center;line-height:1.3}
.portrait figcaption strong{display:block;font-size:.95rem}

/* Page hero (inner pages) */
.page-hero{padding-block:clamp(2.5rem,6vw,4.5rem);border-bottom:1px solid var(--line)}
.page-hero .wrap{display:grid;grid-template-columns:1.3fr .7fr;gap:clamp(2rem,5vw,4rem);align-items:start}
.page-hero.solo .wrap{grid-template-columns:1fr}
.crumbs{font-size:.85rem;color:var(--muted);margin-bottom:-.35rem}
.crumbs a{text-decoration:none}
.crumbs a:hover{text-decoration:underline}

/* Price panel */
.panel{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:1.6rem;display:grid;gap:1rem;min-width:0}
.panel .amount{font-size:2.6rem;font-weight:800;letter-spacing:-.03em;line-height:1;font-variant-numeric:tabular-nums}
.panel .unit{font-size:.92rem;color:var(--muted)}
.panel .row{display:grid;gap:.15rem;padding-top:1rem;border-top:1px solid var(--line)}
.panel .row:first-of-type{padding-top:0;border-top:0}
.panel .btn{width:100%}
.offer-line{font-size:.88rem;color:var(--muted)}

/* Service cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem;display:flex;flex-direction:column;gap:.9rem;text-decoration:none;transition:transform .15s,box-shadow .15s;min-width:0}
.card:hover{transform:translateY(-2px);box-shadow:var(--shadow)}
.price{font-size:2rem;font-weight:800;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.price small{font-size:.85rem;font-weight:500;color:var(--muted);letter-spacing:0}
.card .more{margin-top:auto;font-weight:700;font-size:.95rem;color:var(--accent)}
.checks{margin:0;padding:0;list-style:none;display:grid;gap:.5rem}
.checks li{padding-left:1.5rem;position:relative}
.checks li::before{content:"";position:absolute;left:.1rem;top:.55em;width:.7rem;height:.38rem;border-left:2px solid var(--accent);border-bottom:2px solid var(--accent);transform:rotate(-45deg)}
.card .checks{font-size:.95rem;color:var(--muted)}
.offer{margin-top:1.5rem;display:flex;flex-wrap:wrap;gap:.5rem 1rem;align-items:center;font-size:.95rem}
.badge{background:color-mix(in srgb,var(--gold) 14%,transparent);color:var(--gold);font-weight:700;font-size:.75rem;letter-spacing:.06em;text-transform:uppercase;padding:.3rem .65rem;border-radius:999px;white-space:nowrap}

/* Two-column content */
.cols{display:grid;grid-template-columns:1fr 1fr;gap:clamp(2rem,5vw,4rem)}
.cols > *{min-width:0}
.box{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem;display:grid;gap:.9rem;align-content:start}
.callout{border-left:3px solid var(--accent);background:var(--tint);padding:1rem 1.2rem;border-radius:0 10px 10px 0;display:grid;gap:.35rem}

/* Why */
.why{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem}
.why div{display:grid;gap:.5rem;align-content:start}
.ico{width:44px;height:44px;border-radius:12px;background:var(--tint);display:grid;place-items:center;color:var(--accent);font-weight:800;margin-bottom:.4rem}
section:not(.tint) .ico{background:var(--tint)}
.tint .ico{background:var(--card)}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:1.25rem;counter-reset:s;margin:0;padding:0;list-style:none}
.steps li{counter-increment:s;display:grid;gap:.45rem;align-content:start;padding-top:1rem;border-top:2px solid var(--line)}
.steps li::before{content:counter(s);font-weight:800;font-size:.85rem;color:var(--accent)}

/* Price table */
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:var(--card)}
table{border-collapse:collapse;width:100%;font-size:.97rem}
th,td{text-align:left;padding:.9rem 1.1rem;border-bottom:1px solid var(--line);vertical-align:top}
tr:last-child td{border-bottom:0}
th{font-size:.75rem;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);font-weight:700;background:var(--tint)}
td.amt{font-weight:800;white-space:nowrap;font-variant-numeric:tabular-nums;text-align:right}
th.amt{text-align:right}
td small{display:block;color:var(--muted);font-size:.88rem;margin-top:.15rem}
td a{font-weight:600}

/* Meet */
.meet{display:grid;grid-template-columns:auto 1fr;gap:2rem;align-items:center;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:2rem}
.meet img{width:120px;height:120px;border-radius:50%;object-fit:cover}
.meet > div{display:grid;gap:.8rem;min-width:0}

/* FAQ */
.faq{display:grid;border-top:1px solid var(--line);max-width:50rem}
.faq details{border-bottom:1px solid var(--line);padding-block:1.1rem}
.faq summary{cursor:pointer;font-weight:700;list-style:none;display:flex;justify-content:space-between;gap:1rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-weight:500;color:var(--muted);flex:none}
.faq details[open] summary::after{content:"–"}
.faq details p{margin-top:.6rem;color:var(--muted)}
.faq-group{display:grid;gap:1rem;margin-bottom:2.5rem}

/* About */
.about-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:clamp(2rem,5vw,4rem);align-items:start}
.about-grid > *{min-width:0}
.about-photo{border-radius:20px;overflow:hidden;box-shadow:var(--shadow);aspect-ratio:4/5;max-width:420px}
.about-photo img{width:100%;height:100%;object-fit:cover}
.creds{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem;margin:0}
.creds div{border:1px solid var(--line);border-radius:12px;padding:1rem;display:grid;gap:.2rem;background:var(--card)}
.creds dt{font-size:.75rem;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);font-weight:700}
.creds dd{margin:0;font-weight:700}

/* Contact */
.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:clamp(2rem,5vw,4rem);align-items:start}
.contact-grid > *{min-width:0}
.direct{display:grid;gap:1.25rem}
.direct .big{font-size:1.5rem;font-weight:800;font-variant-numeric:tabular-nums}
form{display:grid;gap:1rem}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
label{display:grid;gap:.35rem;font-size:.9rem;font-weight:600}
input,select,textarea{font:400 1rem var(--sans);color:var(--fg);background:var(--bg);border:1px solid var(--line);border-radius:10px;padding:.75rem .85rem;width:100%}
input:focus,select:focus,textarea:focus{outline:2px solid var(--accent);outline-offset:0;border-color:transparent}
textarea{min-height:8rem;resize:vertical}
.hp{position:absolute;left:-9999px}
.form-status{font-size:.95rem;font-weight:600}

/* Blog */
.posts{display:grid;grid-template-columns:repeat(2,1fr);gap:1.25rem}
.post-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem;display:grid;gap:.6rem;text-decoration:none;align-content:start}
.post-card:hover{box-shadow:var(--shadow)}
.post-card h2{font-size:1.25rem}
.meta{font-size:.85rem;color:var(--muted)}
.article{display:grid;gap:1.1rem;max-width:44rem}
.article h2{font-size:1.45rem;margin-top:1rem}
.article ul,.article ol{margin:0;padding-left:1.3rem;display:grid;gap:.45rem}
.answer{font-size:1.12rem;border-left:3px solid var(--accent);padding-left:1rem}

/* CTA band */
.band{background:var(--navy);color:var(--navy-ink)}
.band .wrap{display:flex;flex-wrap:wrap;gap:1.5rem;align-items:center;justify-content:space-between}
.band h2{max-width:32rem}
.band p{opacity:.8;margin-top:.5rem}
.band .btn{background:var(--navy-ink);color:var(--navy);border-color:var(--navy-ink)}

/* Footer */
.site-footer{padding-block:3rem 2.5rem;font-size:.92rem;color:var(--muted);border-top:1px solid var(--line)}
.foot{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:2rem}
.foot > *{min-width:0}
.foot h4{margin:0 0 .6rem;font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;color:var(--fg)}
.foot ul{list-style:none;margin:0;padding:0;display:grid;gap:.4rem}
.foot a{text-decoration:none}
.foot a:hover{color:var(--fg);text-decoration:underline}
.legal{margin-top:2rem;padding-top:1.5rem;border-top:1px solid var(--line);font-size:.84rem;display:grid;gap:.35rem}

@media (max-width:1040px){
  .nav,.bar>.btn{display:none}
  .menu-btn{display:block}
  .bar.open{flex-wrap:wrap;padding-bottom:1rem}
  .bar.open .nav{display:grid;gap:0;width:100%;order:3;margin:0}
  .bar.open .nav a{padding:.75rem 0;border-top:1px solid var(--line);font-size:1.05rem;color:var(--fg);box-shadow:none}
  .bar.open>.btn{display:flex;order:4;width:100%}
}
@media (max-width:860px){
  .hero .wrap,.page-hero .wrap,.cols,.about-grid,.contact-grid{grid-template-columns:1fr}
  .portrait{order:-1;width:200px}
  .portrait figcaption{display:none}
  .cards,.why,.posts{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr 1fr}
  .meet{grid-template-columns:1fr}
  .meet img{width:88px;height:88px}
  .foot{grid-template-columns:1fr 1fr}
  .about-photo{max-width:280px}
}
@media (max-width:480px){
  .steps,.creds,.form-row,.foot{grid-template-columns:1fr}
  .actions .btn{flex:1 1 100%}
  th,td{padding:.75rem .8rem}
}
@media (prefers-reduced-motion:reduce){.card{transition:none}.card:hover{transform:none}}