/* Finity Risk — home page v3. Minimal, editorial. Mobile-first, no build step. */
/* Metric-matched fallback so the Inter swap doesn't shift layout (CLS) */
@font-face { font-family: "Inter Fallback"; src: local("Arial"), local("Helvetica"), local("Liberation Sans"); size-adjust: 107.12%; ascent-override: 90.44%; descent-override: 22.52%; line-gap-override: 0%; }
:root {
  --ink: #001C38;          /* brand navy, used as near-black */
  --text: #1E2A36;
  --muted: #56616C;        /* 6.2:1 on white */
  --accent: #1885BD;       /* brand blue, sparing (rules, hovers) */
  --rule: #DADDE0;
  --paper: #FFFFFF;
  --tint: #F6F5F2;         /* off-white */
  --wrap: 1280px;
  --pad: clamp(1.25rem, 5vw, 4rem);
  --sec: clamp(5rem, 11vw, 10rem);
  --ease: cubic-bezier(.25,.6,.25,1);
  --ease-out: cubic-bezier(.16,1,.3,1);
  --font: "Inter", "Inter Fallback", system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; font: 400 1.0625rem/1.65 var(--font); color: var(--text); background: var(--paper); -webkit-font-smoothing: antialiased; }
img { display: block; max-width: 100%; height: auto; }
a { color: inherit; }
h1, h2, h3, h4 { margin: 0; color: var(--ink); font-weight: 500; letter-spacing: -.025em; line-height: 1.08; }
h2 { font-size: clamp(2.1rem, 1.3rem + 3.2vw, 4rem); letter-spacing: -.035em; }
h3 { font-size: 1.25rem; letter-spacing: -.015em; line-height: 1.3; }
h4 { font-size: 1.0625rem; font-weight: 600; letter-spacing: -.01em; line-height: 1.35; }
p { margin: 0 0 1rem; }
ul, ol, dl, dd, figure, blockquote { margin: 0; padding: 0; }
ul, ol { list-style: none; }
.sr-only { position: absolute !important; width: 1px; height: 1px; margin: -1px; padding: 0; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.wrap { width: 100%; max-width: calc(var(--wrap) + 2 * var(--pad)); margin-inline: auto; padding-inline: var(--pad); }
.muted { color: var(--muted); }
.label { font-size: .8125rem; font-weight: 500; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); margin-bottom: 1.25rem; }

/* Focus */
:focus-visible { outline: 2px solid var(--ink); outline-offset: 4px; }
.hero :focus-visible, .closing :focus-visible, .hdr:not(.is-solid) :focus-visible { outline-color: #fff; }
.skip-link { position: absolute; left: 1rem; top: -100px; z-index: 100; padding: .75rem 1rem; background: #fff; color: var(--ink); font-weight: 600; }
.skip-link:focus { top: 1rem; }

/* Buttons + links */
.btn { position: relative; overflow: hidden; isolation: isolate; display: inline-flex; align-items: center; justify-content: center; min-height: 48px; padding: .85rem 1.6rem; border: 1px solid transparent; border-radius: 4px; font: 500 .9375rem/1 var(--font); letter-spacing: .01em; text-decoration: none; transition: color .45s var(--ease-out), background-color .45s var(--ease-out); }
.btn::before { content: ""; position: absolute; inset: 0; z-index: -1; transform: translateY(101%); transition: transform .55s var(--ease-out); }
.btn:hover::before { transform: translateY(0); }
.btn-dark { background: var(--ink); color: #fff; }
.btn-dark::before { background: #0B3459; }
.btn-light { background: #fff; color: var(--ink); }
.btn-light::before { background: var(--ink); }
.btn-light:hover { color: #fff; }
.text-link { position: relative; display: inline-block; padding-bottom: .2em; font-weight: 500; text-decoration: none; color: var(--ink); }
.text-link::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 1px; background: currentColor; transform-origin: left; }
.text-link:hover::after { animation: uline .9s var(--ease-out); }
@keyframes uline { 0% { transform: scaleX(1); transform-origin: right; } 45% { transform: scaleX(0); transform-origin: right; } 46% { transform: scaleX(0); transform-origin: left; } 100% { transform: scaleX(1); transform-origin: left; } }
.text-link:not(.text-link-light):hover::after { background: var(--accent); }
.text-link-light { color: #fff; }


/* Header (over the hero until scrolled) */
.hdr { position: fixed; inset: 0 0 auto; z-index: 50; color: #fff; transition: color .5s var(--ease-out); }
.hdr::before { content: ""; position: absolute; inset: 0; z-index: -1; background: #fff; box-shadow: 0 1px 0 var(--rule); opacity: 0; transition: opacity .5s var(--ease-out); }
.hdr.is-solid, .hdr.is-open { color: var(--ink); }
.hdr.is-solid::before, .hdr.is-open::before { opacity: 1; }
.brand img { transition: filter .5s var(--ease-out); }
.hdr-inner { display: flex; align-items: center; gap: 1rem; min-height: 76px; }
.brand { display: inline-flex; align-items: center; gap: .6rem; margin-right: auto; text-decoration: none; color: inherit; font-weight: 600; font-size: 1rem; letter-spacing: .14em; text-transform: uppercase; }
.brand img { width: 36px; height: 36px; }
.hdr:not(.is-solid):not(.is-open) .brand img { filter: brightness(0) invert(1); }
.btn-quote { min-height: 42px; padding: .65rem 1.1rem; background: #fff; color: var(--ink); }
.btn-quote::before { background: var(--ink); }
.btn-quote:hover { color: #fff; }
.hdr.is-solid .btn-quote, .hdr.is-open .btn-quote { background: var(--ink); color: #fff; }
.hdr.is-solid .btn-quote::before, .hdr.is-open .btn-quote::before { background: #0B3459; }
.menu-btn { width: 44px; height: 44px; display: inline-grid; place-items: center; padding: 0; border: 0; background: none; color: inherit; cursor: pointer; }
.menu-bars, .menu-bars::before, .menu-bars::after { display: block; width: 22px; height: 1.5px; background: currentColor; transition: transform .3s var(--ease), background-color .2s; }
.menu-bars { position: relative; }
.menu-bars::before, .menu-bars::after { content: ""; position: absolute; left: 0; }
.menu-bars::before { top: -7px; } .menu-bars::after { top: 7px; }
.menu-btn[aria-expanded="true"] .menu-bars { background: transparent; }
.menu-btn[aria-expanded="true"] .menu-bars::before { transform: translateY(7px) rotate(45deg); }
.menu-btn[aria-expanded="true"] .menu-bars::after { transform: translateY(-7px) rotate(-45deg); }
.nav { display: none; }
.hdr.is-open .nav { display: block; position: fixed; inset: 77px 0 0; background: #fff; padding: 2rem var(--pad); overflow-y: auto; }
.nav ul { display: grid; }
.nav a { display: block; padding: .9rem 0; font-size: 1.75rem; font-weight: 500; letter-spacing: -.02em; text-decoration: none; color: var(--ink); border-bottom: 1px solid var(--rule); }
.no-js .hdr { position: absolute; }
@media (min-width: 960px) {
  .menu-btn { display: none; }
  .nav, .hdr.is-open .nav { display: block; position: static; padding: 0; background: none; }
  .nav ul { display: flex; gap: 2rem; margin-right: 1.25rem; }
  .nav a { position: relative; padding: .25rem 0; font-size: .9375rem; letter-spacing: 0; color: inherit; border: 0; }
  .nav a::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 1px; background: currentColor; transform: scaleX(0); transform-origin: right; transition: transform .45s var(--ease-out); }
  .nav a:hover::after { transform: scaleX(1); transform-origin: left; }
}
.brand span, .btn-quote { white-space: nowrap; }
@media (max-width: 480px) { .brand { letter-spacing: .1em; font-size: .875rem; gap: .5rem; } .brand img { width: 30px; height: 30px; } .btn-quote { min-height: 40px; padding: .55rem .85rem; font-size: .875rem; } .hdr-inner { gap: .5rem; } }

/* Hero */
.hero { position: relative; overflow: hidden; min-height: max(620px, 100svh); display: flex; align-items: flex-end; color: #fff; isolation: isolate; }
.hero-img, .hero-img img, .closing-img, .closing-img img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: -2; }
.hero-img img { object-position: 62% 50%; }
.hero::after { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(to top, rgba(0, 18, 36, .5) 0%, rgba(0, 18, 36, 0) 80%), rgba(0, 18, 36, .52); }
.hero-inner { padding-top: 140px; padding-bottom: clamp(3rem, 8vw, 6rem); }
.hero-kicker { font-size: .875rem; font-weight: 500; letter-spacing: .06em; text-transform: uppercase; margin-bottom: 1.5rem; }
.split .w { display: inline-block; overflow: hidden; vertical-align: top; padding: 0 .02em .12em; margin: 0 -.02em -.12em; }
.split .w > span { display: inline-block; }
.hero h1 { color: #fff; font-size: clamp(3.1rem, 1.4rem + 8vw, 8.25rem); line-height: .98; letter-spacing: -.045em; }
.hero-lead { font-size: clamp(1.0625rem, 1rem + .4vw, 1.3rem); max-width: 34rem; margin: 1.75rem 0 2.25rem; }
.hero-ctas { display: flex; flex-wrap: wrap; align-items: center; gap: 1rem 2rem; }

/* Sections */
.sec { padding-block: var(--sec); }
.sec-compact { padding-block: clamp(3.5rem, 7vw, 6rem); }
.sec-rule { border-top: 1px solid var(--rule); }
.sec-tint { background: var(--tint); }
.sec-head { max-width: 48rem; margin-bottom: clamp(3rem, 6vw, 5rem); }
.sec-head h2 + p { margin-top: 1.5rem; font-size: 1.125rem; }
.sec-head-row { max-width: none; display: grid; gap: 1.25rem; align-items: end; }
.sec-head-row p { margin: 0; }
@media (min-width: 900px) { .sec-head-row { grid-template-columns: 1fr auto; gap: 4rem; } .sec-head-row p { max-width: 26rem; } }

/* Intro */
.statement { font-size: clamp(1.6rem, 1.1rem + 2.2vw, 3rem); line-height: 1.22; letter-spacing: -.03em; color: var(--ink); font-weight: 400; max-width: 30ch; margin-bottom: clamp(3.5rem, 7vw, 6rem); }
.facts { display: grid; border-top: 1px solid var(--rule); }
.facts div { padding: 1.5rem 0; border-bottom: 1px solid var(--rule); }
.facts dt { font-size: 1.25rem; font-weight: 500; color: var(--ink); letter-spacing: -.015em; }
.facts dd { color: var(--muted); }
@media (min-width: 760px) { .facts { grid-template-columns: repeat(3, 1fr); border-bottom: 1px solid var(--rule); } .facts div { border-bottom: 0; padding: 1.75rem 2rem 0 0; } .facts div + div { padding-left: 2rem; border-left: 1px solid var(--rule); } .facts div { padding-bottom: 1.75rem; } }

/* Coverage */
.two-col { display: grid; gap: 3rem; }
.col-head h2 { margin-bottom: 1.5rem; }
.col-head .muted { max-width: 26rem; margin-bottom: 2rem; }
.cov-lists { display: grid; gap: 2.5rem; }
.cov-group h3 { font-size: .8125rem; font-weight: 500; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); padding-bottom: .9rem; border-bottom: 1px solid var(--ink); }
.cov-group ul + h3 { margin-top: 2.5rem; }
.cov-group a { display: flex; flex-wrap: wrap; align-items: baseline; justify-content: space-between; gap: .1rem 1rem; padding: 1rem 0; border-bottom: 1px solid var(--rule); text-decoration: none; color: var(--ink); }
.cov-group a span { font-size: 1.25rem; font-weight: 500; letter-spacing: -.015em; transition: color .2s, transform .3s var(--ease); }
.cov-group a::after { content: "→"; margin-left: auto; color: var(--muted); transition: transform .3s var(--ease), color .2s; }
.cov-group a small { order: 3; flex-basis: 100%; font-size: .9375rem; color: var(--muted); }
.cov-group a:hover span { color: #0C6694; }
.cov-group a:hover::after { color: var(--accent); }
.cov-group a:hover::after { transform: translateX(4px); }
@media (min-width: 760px) { .cov-lists { grid-template-columns: 1fr 1fr; gap: 3rem; } }
@media (min-width: 1100px) { .two-col { grid-template-columns: 1fr 1.6fr; gap: 6rem; align-items: start; } .col-head { position: sticky; top: 120px; } }

/* Feature: large-crop image + copy */
.feature { display: grid; background: var(--tint); }
.feature-img { overflow: hidden; }
.feature-img picture { display: block; height: 100%; }
.feature-img img { width: 100%; height: 100%; min-height: 320px; aspect-ratio: 4 / 3; object-fit: cover; }
.feature-copy { padding: clamp(3rem, 8vw, 7rem) var(--pad); max-width: 44rem; }
.feature-copy h2 { font-size: clamp(2rem, 1.3rem + 2.4vw, 3.25rem); margin-bottom: 1.75rem; }
.ruled { margin: 2rem 0 2.25rem; border-top: 1px solid var(--rule); }
.ruled li { padding: 1rem 0; border-bottom: 1px solid var(--rule); color: var(--text); }
.link-row { display: flex; flex-wrap: wrap; gap: 1rem 2rem; margin: 0; }
@media (min-width: 1000px) { .feature { grid-template-columns: 1.05fr 1fr; } .feature-img img { aspect-ratio: auto; } .feature-copy { align-self: center; } }

/* Approach */
.ap-cols { display: grid; gap: 4rem; }
.col-title { font-size: 1.25rem; font-weight: 500; max-width: 26rem; min-height: 0; margin-bottom: 1.5rem; }
.numbered { counter-reset: n; border-top: 1px solid var(--ink); }
.numbered li { counter-increment: n; display: grid; grid-template-columns: 3rem 1fr; padding: 1.5rem 0; border-bottom: 1px solid var(--rule); }
.numbered li::before { content: counter(n, decimal-leading-zero); grid-row: span 2; font-size: .875rem; color: var(--muted); padding-top: .15rem; font-variant-numeric: tabular-nums; }
.numbered h4 { margin-bottom: .35rem; }
.numbered p { margin: 0; color: var(--muted); }
@media (min-width: 900px) { .ap-cols { grid-template-columns: 1fr 1fr; gap: 6rem; } .col-title { min-height: 3.3em; } }

/* Founder + team */
.founder { max-width: 62rem; margin-bottom: var(--sec); }
.founder blockquote p { font-size: clamp(1.5rem, 1.05rem + 2vw, 2.6rem); line-height: 1.25; letter-spacing: -.03em; color: var(--ink); margin-bottom: 1.75rem; }
.founder figcaption { color: var(--muted); }
.founder figcaption strong { color: var(--ink); font-weight: 600; }
.team { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 2.5rem 1rem; }
.team li { text-align: center; }
/* Circular frame: border-radius + overflow + clip-path (clip-path keeps Safari clipping transformed children) */
.team .ph { --x: .5; --y: .3; --s: 1.5; --ar: 1.5; position: relative; width: 100%; max-width: 15rem; margin: 0 auto 1.25rem; aspect-ratio: 1; border-radius: 50%; overflow: hidden; clip-path: circle(50% at 50% 50%); -webkit-mask-image: -webkit-radial-gradient(white, black); isolation: isolate; background: #E8E6E1; transition: transform .7s var(--ease-out); }
/* --x/--y = face centre (fraction of photo), --s = photo width / circle width, --ar = photo h/w */
.team img { position: absolute; max-width: none; width: calc(var(--s) * 100%); height: auto; left: calc(50% - var(--s) * var(--x) * 100%); top: calc(50% - var(--s) * var(--ar) * var(--y) * 100%); transform-origin: calc(var(--x) * 100%) calc(var(--y) * 100%); transition: transform 1.2s var(--ease-out); }
.team li:hover .ph { transform: translateY(-4px); }
.team li:hover .ph img { transform: scale(1.05); }
.team h3 { font-size: 1.0625rem; font-weight: 600; letter-spacing: -.01em; }
.team p { margin: .15rem 0 0; font-size: .9375rem; color: var(--muted); line-height: 1.45; }
@media (min-width: 700px) { .team { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 3rem 1.5rem; } }
@media (min-width: 1100px) { .team { grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 3.5rem 2rem; } }

/* Reviews */
.quotes { display: grid; gap: 3rem; }
.quotes figure { border-top: 1px solid var(--ink); padding-top: 1.75rem; display: flex; flex-direction: column; justify-content: space-between; gap: 1.5rem; }
.quotes blockquote p { margin: 0; font-size: clamp(1.15rem, 1.05rem + .45vw, 1.4rem); line-height: 1.45; letter-spacing: -.015em; color: var(--ink); }
.quotes figcaption { font-size: .9375rem; color: var(--muted); }
@media (min-width: 900px) { .quotes { grid-template-columns: repeat(3, 1fr); gap: 3rem; } }

/* Claims */
.claims { display: grid; gap: 2rem; }
.h3-size { font-size: clamp(1.6rem, 1.3rem + 1.2vw, 2.25rem); letter-spacing: -.03em; margin-bottom: 1rem; }
.claims .muted { max-width: 34rem; margin: 0; }
.claims-links { display: grid; gap: .9rem; align-content: center; }
@media (min-width: 900px) { .claims { grid-template-columns: 1.4fr 1fr; gap: 6rem; align-items: center; } }

/* Closing image */
.closing { position: relative; overflow: hidden; isolation: isolate; color: #fff; min-height: clamp(520px, 80vh, 760px); display: flex; align-items: center; }
.closing::after { content: ""; position: absolute; inset: 0; z-index: -1; background: rgba(0, 18, 36, .6); }
.closing-inner { padding-block: 6rem; }
.closing h2 { color: #fff; max-width: 14ch; font-size: clamp(2.4rem, 1.4rem + 4.4vw, 5.25rem); letter-spacing: -.04em; margin-bottom: 1.5rem; }
.closing p { max-width: 32rem; font-size: 1.125rem; margin-bottom: 2.25rem; }

/* Footer */
.ftr { padding: clamp(4rem, 8vw, 6rem) 0 2rem; font-size: .9375rem; }
.ftr a { color: var(--ink); text-decoration: none; }
.ftr a:hover { text-decoration: underline; text-underline-offset: .25em; }
.ftr .brand { color: var(--ink); margin-bottom: 1.25rem; }
.ftr-grid { display: grid; gap: 2.5rem; }
.ftr-blurb { max-width: 22rem; }
.ftr-h { font-size: .8125rem; font-weight: 500; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); margin-bottom: 1rem; }
.ftr-links { display: grid; gap: .4rem; }
.ftr-bottom { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 1rem 2rem; margin-top: 4rem; padding-top: 1.5rem; background: linear-gradient(var(--rule), var(--rule)) var(--pad) 0 / calc(100% - 2 * var(--pad)) 1px no-repeat; color: var(--muted); font-size: .875rem; }
.socials { display: flex; gap: 1.5rem; }
@media (min-width: 760px) { .ftr-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1100px) { .ftr-grid { grid-template-columns: 1.6fr 1fr 1.2fr .8fr; gap: 3rem; } }

/* Marquee (real coverage lines; decorative, aria-hidden) */
.marquee { overflow: hidden; border-top: 1px solid var(--rule); padding-block: clamp(1.75rem, 4vw, 3rem); white-space: nowrap; }
.marquee-track { display: flex; width: max-content; }
.marquee-set { display: flex; flex: none; }
.marquee span { font-size: clamp(2rem, 1.2rem + 3.6vw, 4.5rem); font-weight: 400; letter-spacing: -.04em; line-height: 1; color: var(--ink); padding-right: .9em; }
.marquee span::after { content: "·"; padding-left: .9em; color: var(--accent); }
.motion .marquee-track { animation: marquee 70s linear infinite; }
.marquee:hover .marquee-track { animation-play-state: paused; }
@keyframes marquee { to { transform: translate3d(-50%, 0, 0); } }

.feature-img:hover img { transform: scale(1.04); }
.feature-img img { transition: transform 1.4s var(--ease-out); }

/* ---------- Motion (only when html.motion: JS on + motion allowed) ---------- */
@keyframes fadeUp { from { opacity: 0; transform: translate3d(0, 18px, 0); } to { opacity: 1; transform: none; } }
@keyframes wordUp { from { transform: translate3d(0, 110%, 0); } to { transform: none; } }
@keyframes hdrIn { from { opacity: 0; transform: translate3d(0, -14px, 0); } to { opacity: 1; transform: none; } }
@keyframes kenburns { from { transform: scale(1.1); } to { transform: scale(1); } }

.motion .hdr-inner { animation: hdrIn 1s .15s var(--ease-out) both; }
.motion .hero-img img { animation: kenburns 9s cubic-bezier(.2,.6,.2,1) both; }
.motion .hero-kicker { animation: fadeUp 1s .25s var(--ease-out) both; }
.motion .split .w > span { animation: wordUp 1.15s var(--ease-out) both; animation-delay: calc(.4s + var(--wi, 0) * .1s); }
.motion .hero-lead { animation: fadeUp 1.1s .95s var(--ease-out) both; }
.motion .hero .hero-ctas { animation: fadeUp 1.1s 1.1s var(--ease-out) both; }

.motion .reveal { opacity: 0; transform: translate3d(0, 24px, 0); transition: opacity 1.1s var(--ease-out), transform 1.1s var(--ease-out); }
.motion .reveal.in { opacity: 1; transform: none; }
.motion [data-stagger] > * { opacity: 0; transform: translate3d(0, 20px, 0); transition: opacity 1s var(--ease-out), transform 1s var(--ease-out); transition-delay: calc(var(--i, 0) * 80ms); }
.motion [data-stagger].in > * { opacity: 1; transform: none; }

.motion .img-reveal { opacity: 0; transition: opacity 1.2s var(--ease-out); }
.motion .img-reveal img { transform: scale(1.08); transition: transform 1.8s var(--ease-out); }
.motion .img-reveal.in { opacity: 1; }
.motion .img-reveal.in img { transform: none; }
.motion .team li:hover .ph.in img, .motion .feature-img.in:hover img { transform: scale(1.05); transition-duration: 1.2s; }

.motion .draw-top, .motion .draw-bottom { position: relative; }
.motion .draw-top { border-top-color: transparent !important; }
.motion .draw-bottom { border-bottom-color: transparent !important; }
.motion .draw-top::before, .motion .draw-bottom::after { content: ""; position: absolute; left: 0; right: 0; height: 1px; background: var(--line, var(--rule)); transform: scaleX(0); transform-origin: left; transition: transform 1.4s var(--ease-out) .1s; }
.motion .draw-top::before { top: -1px; }
.motion .draw-bottom::after { bottom: -1px; }
.motion .draw-top.in::before, .motion .draw-bottom.in::after { transform: scaleX(1); }
.numbered.draw-top, .quotes figure.draw-top, .cov-group h3.draw-bottom { --line: var(--ink); }

/* Parallax (desktop, fine pointer only; JS adds html.parallax) */
.parallax [data-parallax] { will-change: transform; }
.parallax .feature-img [data-parallax], .parallax .closing-img[data-parallax] { transform: scale(1.14); }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition-duration: .01ms !important; animation-duration: .01ms !important; animation-iteration-count: 1 !important; }
  .marquee-track { animation: none !important; }
  .team li:hover .ph, .team li:hover .ph img, .feature-img:hover img { transform: none !important; }
}