/* Family Office Ledger - best broker for family offices UK
   Register: restrained private-wealth ledger. Dark midnight navy + bone + champagne gold.
   Type: Source Serif 4 (display serif, justified prose) + Figtree (body, labels, figures). */

:root{
  --bg:      oklch(0.22 0.03 260);   /* deep midnight navy, locked */
  --bg-2:    oklch(0.25 0.032 262);
  --panel:   oklch(0.27 0.034 263);
  --panel-2: oklch(0.30 0.036 264);
  --ink:     oklch(0.93 0.012 90);   /* bone / off-white */
  --ink-2:   oklch(0.78 0.014 250);
  --ink-3:   oklch(0.64 0.016 252);
  --line:    oklch(0.40 0.028 258);  /* hairline rule */
  --line-2:  oklch(0.33 0.026 260);  /* faint rule */
  --gold:    oklch(0.83 0.10 85);    /* champagne gold, locked accent */
  --gold-2:  oklch(0.88 0.075 88);
  --wrap:1120px;
  --sans:"Figtree",system-ui,-apple-system,sans-serif;
  --serif:"Source Serif 4",Georgia,"Times New Roman",serif;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;background:var(--bg);color:var(--ink);
  font-family:var(--sans);
  font-size:clamp(1rem,0.97rem + 0.18vw,1.06rem);
  line-height:1.7;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
}
.wrap{max-width:var(--wrap);margin-inline:auto;padding-inline:clamp(1.15rem,4.5vw,2.4rem)}

h1,h2,h3,h4{font-family:var(--serif);font-weight:600;line-height:1.12;margin:0;letter-spacing:0.002em;text-wrap:balance}
p{margin:0 0 1rem;text-wrap:pretty}
a{color:var(--gold-2);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--gold)}

.visually-hidden{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:0;z-index:80;background:var(--gold);color:oklch(0.22 0.03 260);padding:.65rem 1.1rem;font-weight:600;border-radius:0 0 3px 0}
.skip:focus{left:0}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:2px}

/* ---- Buttons ---- */
.btn{
  display:inline-flex;align-items:center;gap:.55rem;font-family:var(--sans);font-weight:600;
  font-size:.95rem;letter-spacing:.01em;text-decoration:none;white-space:nowrap;
  color:oklch(0.22 0.03 260);background:var(--gold);
  padding:.78rem 1.5rem;border-radius:2px;
  transition:background .2s ease, transform .2s ease;
}
.btn:hover{background:var(--gold-2);color:oklch(0.20 0.03 260);transform:translateY(-1px)}
.btn:active{transform:translateY(0)}

/* ---- Masthead ---- */
.masthead{position:sticky;top:0;z-index:40;background:oklch(0.22 0.03 260 / .9);backdrop-filter:blur(9px);border-bottom:1px solid var(--line-2)}
.masthead__row{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:72px}
.brand{display:inline-flex;align-items:center;gap:.75rem;text-decoration:none;color:var(--ink)}
.crest{display:block;width:30px;height:36px;flex:none}
.crest svg{width:100%;height:100%;display:block}
.crest__shield{fill:none;stroke:var(--gold);stroke-width:1.4}
.crest__shield-in{fill:none;stroke:var(--gold);stroke-width:.7;opacity:.55}
.crest__rule{stroke:var(--gold);stroke-width:.7;opacity:.5}
.crest__mono{fill:var(--gold);font-family:"Source Serif 4",serif;font-weight:600;font-size:10px;letter-spacing:.5px}
.brand__text{display:flex;flex-direction:column;line-height:1.1}
.brand__name{font-family:var(--serif);font-weight:600;font-size:1.12rem;letter-spacing:.01em}
.brand__sub{font-size:.7rem;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-3);margin-top:.15rem}
.masthead__meta{display:flex;align-items:center;gap:.65rem;color:var(--ink-3);font-size:.76rem;letter-spacing:.1em;text-transform:uppercase}
.masthead__sep{color:var(--line)}
@media(max-width:520px){.brand__sub{display:none}.masthead__meta span:not(.masthead__sep):first-child{display:none}}

/* ---- Section framing ---- */
.section-head{max-width:60ch;margin-bottom:clamp(1.6rem,3vw,2.4rem)}
.section-h{font-size:clamp(1.7rem,1.25rem + 1.9vw,2.65rem);letter-spacing:-0.005em}
.section-lead{color:var(--ink-2);margin-top:.85rem;font-size:1.03rem}

/* ---- Hero ---- */
.hero{padding:clamp(3.2rem,7vw,6rem) 0 clamp(2.4rem,5vw,4rem);border-bottom:1px solid var(--line-2)}
.hero__grid{display:grid;grid-template-columns:1.55fr 1fr;gap:clamp(2rem,5vw,4.5rem);align-items:start}
.hero__tag{font-size:.76rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-bottom:1.1rem}
.hero__title{font-size:clamp(2.1rem,1.35rem + 3.6vw,4rem);font-weight:600;letter-spacing:-0.01em;max-width:18ch}
.hero__lede{
  font-family:var(--serif);font-size:clamp(1.1rem,1rem + 0.5vw,1.35rem);line-height:1.6;
  color:var(--ink);max-width:56ch;margin-top:1.4rem;text-align:justify;hyphens:auto;
}
.hero__note{font-size:.86rem;color:var(--ink-3);max-width:56ch;margin-top:1.3rem;margin-bottom:0}

.hero__folio{background:var(--panel);border:1px solid var(--line-2);border-top:2px solid var(--gold);padding:clamp(1.3rem,2.5vw,1.75rem)}
.folio__head{font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-3);margin:0 0 1rem;padding-bottom:.75rem;border-bottom:1px solid var(--line-2)}
.folio__rows{margin:0}
.folio__row{display:flex;align-items:baseline;justify-content:space-between;gap:1rem;padding:.68rem 0;border-bottom:1px solid var(--line-2)}
.folio__row dt{color:var(--ink-2);font-size:.92rem}
.folio__row dd{margin:0;font-family:var(--serif);font-weight:600;font-size:1.35rem;color:var(--ink);font-variant-numeric:tabular-nums lining-nums}
.folio__row--total{border-bottom:0;padding-bottom:0;margin-top:.2rem;padding-top:.85rem;border-top:1px solid var(--line)}
.folio__row--total dt{color:var(--ink);font-weight:600}
.folio__row--total dd{color:var(--gold);font-size:1.85rem}
.folio__row--total dd span{font-size:.85rem;color:var(--ink-3);font-family:var(--sans);font-weight:500}
.folio__foot{font-size:.76rem;color:var(--ink-3);margin:1rem 0 0;line-height:1.55}
@media(max-width:820px){.hero__grid{grid-template-columns:1fr}.hero__folio{max-width:460px}}

/* ---- Ledger table (signature) ---- */
.ledger{padding:clamp(2.6rem,6vw,4.6rem) 0}
.ledger__scroll{overflow-x:auto}
.book{width:100%;border-collapse:collapse;min-width:720px;font-size:.98rem}
.book caption{caption-side:top}
.book thead th{
  font-family:var(--sans);font-weight:600;font-size:.72rem;letter-spacing:.13em;text-transform:uppercase;
  color:var(--ink-3);text-align:left;padding:0 1.1rem .85rem;border-bottom:2px solid var(--line);
}
.book thead th.col-fig,.book td.col-fig{text-align:right}
.book td.col-no,.book th.col-no{width:3.2rem}
.book td{padding:1.15rem 1.1rem;border-bottom:1px solid var(--line-2);vertical-align:baseline}
.book tbody tr:last-child td{border-bottom:1px solid var(--line)}
.book__row--lead td{background:oklch(0.83 0.10 85 / .05)}
.ord{font-family:var(--serif);font-variant-numeric:tabular-nums lining-nums;color:var(--ink-3);font-size:1rem}
.book__row--lead .ord{color:var(--gold)}
.mark{display:inline-flex;align-items:center;gap:.7rem}
.mark a{color:var(--ink);text-decoration:none;font-weight:600;font-size:1.02rem}
.book__row--lead .mark a{color:var(--ink)}
.mark a:hover{color:var(--gold)}
.mono{
  display:inline-grid;place-items:center;width:2rem;height:2rem;flex:none;
  font-family:var(--serif);font-weight:600;font-size:.78rem;letter-spacing:.02em;
  color:var(--gold);border:1px solid var(--line);border-radius:2px;background:var(--bg-2);
}
.book__row--lead .mono{border-color:var(--gold);color:var(--gold)}
.col-model,.col-note{color:var(--ink-2);font-size:.94rem}
.fig{font-family:var(--serif);font-weight:600;font-variant-numeric:tabular-nums lining-nums;font-size:1.28rem;color:var(--ink);letter-spacing:.01em}
.fig--lead{color:var(--gold)}
.ledger__foot{font-size:.82rem;color:var(--ink-3);margin-top:1.15rem;max-width:74ch}

/* stacked table on small screens */
@media(max-width:640px){
  .book{min-width:0}
  .book thead{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
  .book,.book tbody,.book tr,.book td{display:block;width:100%}
  .book__row{border:1px solid var(--line-2);border-top:2px solid var(--line);margin-bottom:1rem;padding:.3rem 1rem}
  .book__row--lead{border-top-color:var(--gold)}
  .book td{border-bottom:1px solid var(--line-2);padding:.7rem 0;display:flex;justify-content:space-between;gap:1rem;text-align:right}
  .book tbody tr:last-child td,.book td:last-child{border-bottom:0}
  .book td::before{content:attr(data-l);font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-3);text-align:left;align-self:center}
  .mark{gap:.6rem}
}

/* ---- Provider notes ---- */
.notes{padding:clamp(2.4rem,5vw,4.2rem) 0;border-top:1px solid var(--line-2)}
.note{border-top:1px solid var(--line-2);padding:clamp(1.6rem,3.5vw,2.4rem) 0}
.note:last-child{padding-bottom:0}
.note--lead{
  border-top:2px solid var(--gold);background:linear-gradient(180deg,oklch(0.83 0.10 85 / .045),transparent 55%);
  padding:clamp(1.8rem,3.5vw,2.6rem) clamp(1.3rem,3vw,2.2rem);margin-bottom:.4rem;
  border-left:1px solid var(--line-2);border-right:1px solid var(--line-2);
}
.note__head{display:flex;align-items:flex-start;gap:1rem;margin-bottom:1.1rem}
.note__mono{
  display:inline-grid;place-items:center;width:3rem;height:3rem;flex:none;
  font-family:var(--serif);font-weight:600;font-size:1.05rem;color:var(--gold);
  border:1px solid var(--line);border-radius:2px;background:var(--bg-2);
}
.note--lead .note__mono{border-color:var(--gold)}
.note__id{flex:1;min-width:0}
.note__id h3{font-size:clamp(1.4rem,1.1rem + 1vw,1.95rem);font-weight:600}
.note__for{color:var(--gold);font-size:.9rem;margin:.3rem 0 0;font-family:var(--sans)}
.note__fig{display:flex;flex-direction:column;align-items:flex-end;gap:.15rem;text-align:right}
.note__fig .ord{font-size:.8rem}
.note__fig .fig{font-size:1.7rem}
.note__body{font-family:var(--serif);color:var(--ink);max-width:74ch;text-align:justify;hyphens:auto}
.note--lead .note__body{font-size:1.06rem}

.note__cols{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem 2.6rem;margin:1.6rem 0}
.note__cols h4{font-family:var(--sans);font-size:.74rem;letter-spacing:.13em;text-transform:uppercase;color:var(--ink-3);margin-bottom:.9rem;padding-bottom:.6rem;border-bottom:1px solid var(--line-2)}
@media(max-width:640px){.note__cols{grid-template-columns:1fr;gap:1.4rem}}

.marks{list-style:none;margin:0;padding:0;display:grid;gap:.6rem}
.marks li{position:relative;padding-left:1.35rem;color:var(--ink-2);font-size:.95rem;line-height:1.55}
.marks li::before{content:"";position:absolute;left:0;top:.62em;width:.55rem;height:1px;background:var(--gold)}
.marks--minus li::before{background:var(--ink-3);width:.6rem}
.marks--inline{grid-auto-flow:row;margin-top:1rem}
@media(min-width:641px){.marks--inline{grid-template-columns:repeat(3,1fr);gap:.5rem 1.6rem}}

/* Scorecard: ruled figures, no filled track bars */
.scorecard{margin:1.7rem 0 1.9rem;border-top:1px solid var(--line)}
.metric{display:grid;grid-template-columns:1fr auto 3.2rem;align-items:baseline;gap:1rem;padding:.72rem 0;border-bottom:1px solid var(--line-2)}
.metric__label{color:var(--ink);font-size:.95rem}
.metric__weight{color:var(--ink-3);font-size:.78rem;font-variant-numeric:tabular-nums;letter-spacing:.04em}
.metric__fig{text-align:right;font-size:1.12rem;color:var(--gold)}

/* ---- Methodology ---- */
.method{padding:clamp(2.4rem,5vw,4.2rem) 0;border-top:1px solid var(--line-2)}
.criteria{list-style:none;margin:0;padding:0;counter-reset:c;border-top:1px solid var(--line)}
.criteria li{
  counter-increment:c;display:grid;grid-template-columns:3.5rem 1fr;gap:.2rem 1.4rem;
  align-items:baseline;padding:1.1rem 0;border-bottom:1px solid var(--line-2);
}
.criteria__w{grid-row:1 / span 2;font-family:var(--serif);font-weight:600;font-size:1.4rem;color:var(--gold);font-variant-numeric:tabular-nums lining-nums}
.criteria b{font-family:var(--serif);font-weight:600;font-size:1.12rem;color:var(--ink)}
.criteria__d{color:var(--ink-2);font-size:.94rem}
@media(max-width:560px){.criteria li{grid-template-columns:3rem 1fr}}

/* ---- FAQ ---- */
.faq{padding:clamp(2.4rem,5vw,4.2rem) 0;border-top:1px solid var(--line-2)}
.faq__list{border-top:1px solid var(--line);max-width:80ch}
.faq details{border-bottom:1px solid var(--line-2)}
.faq summary{
  cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:baseline;gap:1.5rem;
  padding:1.15rem 0;font-family:var(--serif);font-weight:600;font-size:1.1rem;color:var(--ink);
}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--gold);font-family:var(--sans);font-weight:400;font-size:1.5rem;line-height:1;transition:transform .25s ease}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{margin:0;padding:0 0 1.3rem;color:var(--ink-2);max-width:74ch;font-size:.98rem}

/* ---- Footer ---- */
.foot{border-top:1px solid var(--line);background:oklch(0.20 0.028 260);padding:clamp(2.4rem,5vw,3.4rem) 0}
.foot__disc{font-size:.85rem;color:var(--ink-3);max-width:92ch;line-height:1.7}
.foot__disc strong{color:var(--ink-2)}
.foot__meta{font-size:.78rem;color:var(--ink-3);margin:1.1rem 0 0;letter-spacing:.03em}

@media(prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *{animation-duration:.001ms !important;transition-duration:.001ms !important}
}