:root{
  --cream:#FAF6EF;
  --cream-2:#F2E9DB;
  --sand:#E7D9C4;
  --ink:#241F1A;
  --ink-soft:#4A423A;
  --muted:#7A6F62;
  --brass:#B8863B;
  --brass-deep:#9A6E2C;
  --clay:#A9542F;
  --forest:#33463C;
  --line:rgba(36,31,26,.12);
  --shadow:0 24px 60px -30px rgba(36,31,26,.45);
  --maxw:1160px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:'Inter',system-ui,sans-serif;
  color:var(--ink);
  background:var(--cream);
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4,.serif{font-family:'Fraunces',Georgia,serif;font-weight:500;line-height:1.1;letter-spacing:-.01em}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 28px}
.eyebrow{font-family:'Inter';font-size:.74rem;letter-spacing:.22em;text-transform:uppercase;color:var(--brass-deep);font-weight:600}
.btn{display:inline-flex;align-items:center;gap:.55rem;font-weight:500;font-size:.95rem;padding:.85rem 1.5rem;border-radius:100px;transition:.25s;cursor:pointer;border:1px solid transparent}
.btn-primary{background:var(--ink);color:var(--cream)}
.btn-primary:hover{background:var(--brass-deep);transform:translateY(-2px)}
.btn-ghost{border-color:var(--line);color:var(--ink);background:transparent}
.btn-ghost:hover{border-color:var(--ink);background:var(--ink);color:var(--cream)}

/* ---- NAV ---- */
header.nav{position:sticky;top:0;z-index:100;background:rgba(250,246,239,.82);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.nav-inner{max-width:var(--maxw);margin:0 auto;padding:14px 28px;display:flex;align-items:center;justify-content:space-between}
.brand{display:flex;align-items:center;gap:.7rem;font-family:'Fraunces';font-size:1.15rem;font-weight:600}
.mono{width:38px;height:38px;border-radius:50%;background:var(--ink);color:var(--cream);display:grid;place-items:center;font-family:'Fraunces';font-size:1rem;letter-spacing:.02em}
.nav-links{display:flex;gap:.35rem;align-items:center}
.nav-links a{padding:.5rem .9rem;border-radius:100px;font-size:.92rem;color:var(--ink-soft);font-weight:500;transition:.2s;cursor:pointer}
.nav-links a:hover{color:var(--ink);background:var(--cream-2)}
.nav-links a.active{color:var(--ink);background:var(--sand)}
.nav-links a.nav-cta{color:var(--cream);background:var(--ink)}
.nav-links a.nav-cta:hover{color:var(--cream);background:var(--brass-deep)}
.nav-cta{margin-left:.4rem}
.burger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:8px}
.burger span{width:24px;height:2px;background:var(--ink);border-radius:2px;transition:.3s}

/* ---- PAGE SYSTEM ---- */
.page{display:none;animation:fade .5s ease}
.page.active{display:block}
@keyframes fade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}

/* ---- PHOTO PLACEHOLDER ---- */
.ph{position:relative;background:
   linear-gradient(135deg,var(--cream-2),var(--sand));
   border:1px dashed rgba(154,110,44,.5);border-radius:18px;
   display:grid;place-items:center;text-align:center;color:var(--brass-deep);overflow:hidden}
.ph:before{content:"";position:absolute;inset:0;background:
   radial-gradient(circle at 30% 25%,rgba(255,255,255,.5),transparent 55%)}
.ph .ph-in{position:relative;padding:1.2rem}
.ph svg{opacity:.55;margin-bottom:.5rem}
.ph small{display:block;font-family:'Inter';font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;font-weight:600;opacity:.85}
.photo{width:100%;object-fit:cover;display:block;box-shadow:var(--shadow)}

/* ---- HERO ---- */
.hero{position:relative;padding:72px 0 40px;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.hero h1{font-size:clamp(2.7rem,5.4vw,4.3rem);margin:.5rem 0 .3rem}
.hero h1 em{font-style:italic;color:var(--brass-deep)}
.hero .lead{font-size:1.14rem;color:var(--ink-soft);max-width:30rem;margin:1.1rem 0 1.7rem}
.hero-actions{display:flex;gap:.7rem;flex-wrap:wrap}
.hero-portrait{aspect-ratio:4/5;box-shadow:var(--shadow);border-radius:22px}
.socials{display:flex;gap:.6rem;margin-top:1.9rem;align-items:center}
.socials span{font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);font-weight:600;margin-right:.3rem}
.sicon{width:40px;height:40px;border-radius:50%;border:1px solid var(--line);display:grid;place-items:center;transition:.22s;color:var(--ink-soft)}
.sicon:hover{background:var(--ink);color:var(--cream);transform:translateY(-2px);border-color:var(--ink)}

/* ---- STAT STRIP ---- */
.stats{border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin-top:52px;background:var(--cream-2)}
.stats-in{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;padding:34px 28px;max-width:var(--maxw);margin:0 auto}
.stat{text-align:center}
.stat b{font-family:'Fraunces';font-size:2.2rem;font-weight:600;display:block;color:var(--ink)}
.stat span{font-size:.82rem;color:var(--muted);letter-spacing:.03em}

/* ---- SECTIONS ---- */
section{padding:72px 0}
.section-head{max-width:40rem;margin-bottom:44px}
.section-head h2{font-size:clamp(2rem,3.6vw,2.9rem);margin:.6rem 0}
.section-head p{color:var(--ink-soft);font-size:1.06rem}

/* nav cards on home */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px;transition:.28s;cursor:pointer;position:relative;overflow:hidden}
a.card{display:block;text-decoration:none;color:var(--ink)}
a.card h3{color:var(--ink)}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:transparent}
.card .ki{width:46px;height:46px;border-radius:12px;background:var(--cream-2);display:grid;place-items:center;color:var(--brass-deep);margin-bottom:16px}
.card h3{font-size:1.4rem;margin-bottom:.5rem}
.card p{font-size:.96rem;color:var(--ink-soft);margin-bottom:1rem}
.card .go{font-size:.86rem;font-weight:600;color:var(--brass-deep);letter-spacing:.04em}

/* about */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.prose p{margin-bottom:1.1rem;color:var(--ink-soft);font-size:1.05rem}
.prose p.big{font-family:'Fraunces';font-size:1.5rem;line-height:1.35;color:var(--ink);font-weight:400}
.values{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:10px}
.value{padding:26px;border:1px solid var(--line);border-radius:16px;background:#fff}
.value h4{font-size:1.15rem;margin-bottom:.4rem}
.value p{font-size:.94rem;color:var(--ink-soft)}
.value .num{font-family:'Fraunces';color:var(--brass);font-size:1.1rem;font-weight:600}

/* timeline */
.timeline{border-left:2px solid var(--sand);margin-left:8px;padding-left:30px;display:flex;flex-direction:column;gap:30px}
.tl-item{position:relative}
.tl-item:before{content:"";position:absolute;left:-38px;top:4px;width:14px;height:14px;border-radius:50%;background:var(--brass);border:3px solid var(--cream)}
.tl-item b{font-family:'Fraunces';font-size:1.15rem}
.tl-item .yr{font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;color:var(--brass-deep);font-weight:600}
.tl-item p{color:var(--ink-soft);font-size:.98rem;margin-top:.2rem}

/* banded / dark */
.band{background:var(--ink);color:var(--cream)}
.band .eyebrow{color:var(--brass)}
.band .section-head p{color:rgba(250,246,239,.72)}
.band .value{background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.12);color:var(--cream)}
.band .value p{color:rgba(250,246,239,.72)}

/* mortgages services */
.svc{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.svc-item{display:flex;gap:16px;padding:24px;border:1px solid var(--line);border-radius:16px;background:#fff}
.svc-item .ic{flex:0 0 auto;width:44px;height:44px;border-radius:11px;background:var(--cream-2);display:grid;place-items:center;color:var(--brass-deep)}
.svc-item h4{font-size:1.12rem;margin-bottom:.25rem}
.svc-item p{font-size:.92rem;color:var(--ink-soft)}

/* awards */
.awards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.award{text-align:center;padding:34px 24px;border:1px solid var(--line);border-radius:16px;background:var(--cream-2);color:var(--ink)}
.award .medal{width:52px;height:52px;margin:0 auto 14px;border-radius:50%;background:linear-gradient(135deg,var(--brass),var(--brass-deep));display:grid;place-items:center;color:#fff}
.award b{font-family:'Fraunces';font-size:1.25rem;display:block;margin-bottom:.3rem}
.award span{font-size:.9rem;color:var(--muted)}

/* speaking */
.speak-hero{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:center}
.topics{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:8px}
.topic{padding:28px;border-radius:16px;background:#fff;border:1px solid var(--line)}
.topic .n{font-family:'Fraunces';font-size:1.6rem;color:var(--brass);font-weight:600}
.topic h4{font-size:1.2rem;margin:.4rem 0}
.topic p{font-size:.95rem;color:var(--ink-soft)}
.pill{display:inline-block;font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;font-weight:600;color:var(--brass-deep);background:var(--cream-2);padding:.35rem .85rem;border-radius:100px;border:1px solid var(--sand)}
.quote{font-family:'Fraunces';font-style:italic;font-size:1.7rem;line-height:1.4;max-width:44rem;margin:0 auto;text-align:center;color:var(--ink)}
.quote-band{padding:80px 0}

/* CTA */
.cta{background:linear-gradient(135deg,var(--forest),#25332B);color:var(--cream);border-radius:26px;padding:56px;text-align:center;margin:20px auto}
.cta h2{font-size:clamp(1.8rem,3vw,2.6rem);margin-bottom:.6rem}
.cta p{color:rgba(250,246,239,.8);max-width:34rem;margin:0 auto 1.6rem}
.cta .btn-primary{background:var(--brass);color:var(--ink)}
.cta .btn-primary:hover{background:#fff}
.cta .btn-ghost{border-color:rgba(255,255,255,.4);color:var(--cream)}
.cta .btn-ghost:hover{background:#fff;color:var(--ink);border-color:#fff}

/* footer */
footer{background:var(--ink);color:var(--cream);padding:56px 0 30px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;padding-bottom:34px;border-bottom:1px solid rgba(255,255,255,.13)}
footer h5{font-family:'Fraunces';font-size:1.3rem;margin-bottom:.7rem}
footer p,footer a{color:rgba(250,246,239,.72);font-size:.95rem}
footer a:hover{color:var(--brass)}
.foot-col b{display:block;font-size:.76rem;letter-spacing:.16em;text-transform:uppercase;color:var(--brass);margin-bottom:1rem;font-weight:600}
.foot-col a{display:block;margin-bottom:.55rem}
.foot-social{display:flex;gap:.6rem;margin-top:1.1rem}
.foot-social .sicon{border-color:rgba(255,255,255,.2);color:var(--cream)}
.foot-social .sicon:hover{background:var(--brass);border-color:var(--brass);color:var(--ink)}
.foot-bottom{padding-top:24px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:.82rem;color:rgba(250,246,239,.5)}

/* note banner */
.note{background:var(--clay);color:#fff;text-align:center;font-size:.85rem;padding:9px 16px;letter-spacing:.02em}
.note b{font-weight:600}

@media(max-width:900px){
  .hero-grid,.split,.speak-hero{grid-template-columns:1fr;gap:34px}
  .cards,.values,.svc,.awards,.topics,.foot-grid,.stats-in{grid-template-columns:1fr 1fr}
  .hero-portrait{max-width:420px}
  .nav-links{display:none;position:absolute;top:66px;left:0;right:0;background:var(--cream);flex-direction:column;padding:14px;border-bottom:1px solid var(--line);align-items:stretch}
  .nav-links.open{display:flex}
  .nav-links a{padding:.8rem 1rem}
  .burger{display:flex}
  .cta{padding:38px 24px}
}
@media(max-width:560px){
  .cards,.values,.svc,.awards,.topics,.foot-grid,.stats-in{grid-template-columns:1fr}
  section{padding:52px 0}
}