/* Scarlett Advisors — Resources & Insights shared styles (institutional navy/light) */
:root{
  --navy:#162D5A; --navy-deep:#0F2147; --blue:#2A4A8C;
  --ink:#181C25; --muted:#5C6270; --faint:#8A92A0;
  --line:#E4E7EC; --bg:#FFFFFF; --bg-soft:#F6F8FB; --bg-band:#0F2147;
  --serif:"Playfair Display",Georgia,"Times New Roman",serif;
  --sans:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  --maxw:1120px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--sans);color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;display:block}

/* Header */
.site-header{border-bottom:1px solid var(--line);background:rgba(255,255,255,.9);backdrop-filter:blur(8px);position:sticky;top:0;z-index:40}
.site-header .bar{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:10px;font-family:var(--serif);font-weight:700;font-size:19px;color:var(--navy);letter-spacing:.01em}
.brand .mk{width:30px;height:30px;border-radius:7px;background:var(--navy);color:#fff;display:grid;place-items:center;font-family:var(--serif);font-weight:700;font-size:17px}
.nav-cta{display:inline-block;background:var(--navy);color:#fff;font-weight:600;font-size:14px;padding:11px 20px;border-radius:8px;font-family:var(--sans)}
.nav-cta:hover{background:var(--navy-deep);text-decoration:none}

/* Hero / page intro */
.page-hero{padding:64px 0 40px;border-bottom:1px solid var(--line)}
.eyebrow{font-size:12.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--blue);font-weight:600;margin-bottom:18px}
h1{font-family:var(--serif);font-weight:600;color:var(--navy);line-height:1.12;font-size:46px;letter-spacing:-.01em}
.page-hero p.lede{color:var(--muted);font-size:20px;max-width:680px;margin-top:18px}

/* Section */
section.block{padding:54px 0}
.section-head{display:flex;align-items:baseline;justify-content:space-between;gap:20px;margin-bottom:28px;flex-wrap:wrap}
h2{font-family:var(--serif);font-weight:600;color:var(--navy);font-size:30px;line-height:1.2}
.section-head p{color:var(--muted);font-size:16px;max-width:520px}

/* Cards grid */
.grid{display:grid;gap:22px}
.grid.two{grid-template-columns:repeat(2,1fr)}
.grid.three{grid-template-columns:repeat(3,1fr)}
.card{border:1px solid var(--line);border-radius:14px;padding:26px;background:var(--bg);transition:box-shadow .18s,transform .18s,border-color .18s;display:flex;flex-direction:column}
.card:hover{box-shadow:0 14px 40px rgba(15,33,71,.10);transform:translateY(-2px);border-color:#d3d9e2;text-decoration:none}
.card .tag{font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--blue);font-weight:600;margin-bottom:12px}
.card h3{font-family:var(--serif);font-weight:600;color:var(--navy);font-size:21px;line-height:1.25;margin-bottom:10px}
.card p{color:var(--muted);font-size:15.5px;flex:1}
.card .more{margin-top:16px;font-weight:600;font-size:14px;color:var(--blue)}
.card.tool{background:linear-gradient(180deg,#fbfcfe,#fff)}
.card .meta{font-size:13px;color:var(--faint);margin-top:14px}

/* Article body */
.article{padding:14px 0 10px}
.article-wrap{max-width:720px;margin:0 auto;padding:0 24px}
.article .kicker{font-size:12.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--blue);font-weight:600;margin:40px 0 14px}
.article h1{font-size:40px;margin-bottom:16px}
.article .byline{color:var(--faint);font-size:14px;margin-bottom:8px;display:flex;gap:14px;flex-wrap:wrap;border-bottom:1px solid var(--line);padding-bottom:26px}
.article-body{font-size:18px;color:#262b36}
.article-body h2{font-size:26px;margin:38px 0 12px}
.article-body h3{font-family:var(--serif);color:var(--navy);font-size:20px;margin:28px 0 8px}
.article-body p{margin:0 0 20px}
.article-body ul,.article-body ol{margin:0 0 22px 22px}
.article-body li{margin:0 0 10px}
.article-body strong{color:var(--ink)}
.article-body blockquote{border-left:3px solid var(--navy);padding:6px 0 6px 22px;margin:26px 0;color:var(--navy);font-family:var(--serif);font-size:22px;line-height:1.4}
.pull{background:var(--bg-soft);border:1px solid var(--line);border-radius:12px;padding:22px 24px;margin:28px 0}
.pull .pl{font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--blue);font-weight:600;margin-bottom:6px}

/* Inline tool callout */
.tool-callout{border:1px solid var(--line);border-left:3px solid var(--navy);border-radius:0 12px 12px 0;background:var(--bg-soft);padding:20px 24px;margin:30px 0}
.tool-callout .t{font-family:var(--serif);color:var(--navy);font-size:18px;margin-bottom:4px}
.tool-callout a{font-weight:600}

/* CTA band */
.cta-band{background:var(--bg-band);color:#fff;border-radius:18px;padding:46px 40px;text-align:center;margin:8px 0}
.cta-band h2{color:#fff;font-size:28px}
.cta-band p{color:#c2cbe0;max-width:560px;margin:12px auto 24px;font-size:17px}
.btn{display:inline-block;background:#fff;color:var(--navy);font-weight:700;font-size:15px;padding:14px 28px;border-radius:9px}
.btn:hover{background:#eef2f8;text-decoration:none}
.btn.ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.4);margin-left:8px}

/* Footer */
.site-footer{border-top:1px solid var(--line);background:var(--bg-soft);margin-top:30px}
.site-footer .cols{display:flex;justify-content:space-between;gap:30px;padding:44px 0;flex-wrap:wrap}
.site-footer .brand{margin-bottom:8px}
.site-footer .tag{color:var(--muted);font-size:14px;max-width:320px}
.site-footer h4{font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--faint);margin-bottom:14px}
.site-footer a{color:var(--ink);font-size:14.5px;display:block;margin-bottom:9px}
.site-footer .legal{border-top:1px solid var(--line);padding:18px 0;color:var(--faint);font-size:13px}

@media(max-width:820px){
  h1{font-size:34px}.article h1{font-size:30px}
  .grid.two,.grid.three{grid-template-columns:1fr}
  .article-body{font-size:17px}
  .cta-band{padding:34px 22px}
  .btn.ghost{margin-left:0;margin-top:10px;display:inline-block}
}