/* On Point Finances marketing site.
   Audience is 50 to 70. Every choice below follows from that:
   18px body floor so iOS never zooms and nobody squints, 48px tap targets,
   contrast well past AA, generous line height, one idea per block.
   Self-contained on purpose. Nothing here depends on another file shipping. */

:root{
  --bg:#070b14; --navy:#0f1729; --card:#121b30; --card2:#172340;
  --ink:#f1eff8; --dim:rgba(241,239,248,.78); --faint:rgba(241,239,248,.55);
  --line:rgba(241,239,248,.16); --accent:#7f6ce0; --lav:#9d8bff;
  --good:#6ee6a8; --warn:#e6b96e; --bad:#e88b8b;
}
*{box-sizing:border-box;margin:0;padding:0}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  background:var(--bg);color:var(--ink);min-height:100svh;
  font:400 18px/1.65 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;font-weight:600;letter-spacing:-.01em;line-height:1.2}
h1{font-size:clamp(2rem,5vw,3rem)}
h2{font-size:clamp(1.55rem,3.4vw,2.1rem);margin-bottom:.8rem}
h3{font-size:1.25rem;margin-bottom:.45rem}
p{margin-bottom:1rem}
a{color:var(--lav)}
a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible{outline:3px solid var(--lav);outline-offset:2px}
.wrap{max-width:66rem;margin:0 auto;padding:0 1.25rem}
.narrow{max-width:42rem}
.eyebrow{font-size:.8rem;letter-spacing:.18em;text-transform:uppercase;color:var(--lav);margin-bottom:.7rem;font-weight:600}
.lead{font-size:1.18rem;color:var(--dim)}
section{padding:4rem 0}
@media (max-width:640px){section{padding:3rem 0}}

/* header */
header.site{position:sticky;top:0;z-index:30;background:rgba(7,11,20,.94);
  backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.hrow{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:.85rem 0;flex-wrap:wrap}
.brand{font-family:Georgia,serif;font-size:1.25rem;color:var(--ink);text-decoration:none;font-weight:600;min-height:48px;display:flex;align-items:center}
.brand span{color:var(--lav)}
nav.main{display:flex;flex-wrap:wrap;gap:.25rem}
nav.main a{color:var(--dim);text-decoration:none;padding:.7rem .9rem;min-height:48px;display:flex;align-items:center;border-radius:.6rem;font-size:1rem}
nav.main a:hover,nav.main a[aria-current=page]{color:var(--ink);background:rgba(127,108,224,.14)}
.call{background:var(--accent);color:#fff !important;font-weight:600}
.call:hover{background:#6f5bd0}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;min-height:52px;padding:.8rem 1.4rem;
  border-radius:.7rem;border:1px solid var(--line);background:var(--card);color:var(--ink);
  font:inherit;font-weight:600;text-decoration:none;cursor:pointer;transition:background .15s,border-color .15s}
.btn:hover{border-color:var(--accent)}
.btn.primary{background:var(--accent);border-color:var(--accent);color:#fff}
.btn.primary:hover{background:#6f5bd0}
.btn:disabled{opacity:.55;cursor:default}

/* hero */
.hero{padding:3.5rem 0 2.5rem;background:radial-gradient(60rem 30rem at 20% -10%,rgba(127,108,224,.22),transparent 60%)}
.hero-grid{display:grid;gap:2.5rem;grid-template-columns:1fr;align-items:start}
@media (min-width:900px){.hero-grid{grid-template-columns:1.05fr 1fr;gap:3rem}}
.hero h1{margin-bottom:1rem}
.hero .lead{margin-bottom:1.5rem}
.trust{display:flex;flex-wrap:wrap;gap:.6rem 1.4rem;color:var(--faint);font-size:.95rem;margin-top:1.2rem}
.trust span::before{content:"✓ ";color:var(--good)}

/* the assistant */
.assist{background:var(--navy);border:1px solid var(--line);border-radius:1rem;overflow:hidden;
  box-shadow:0 20px 60px rgba(0,0,0,.35)}
.assist-head{display:flex;align-items:center;gap:.7rem;padding:.9rem 1.1rem;border-bottom:1px solid var(--line);background:rgba(127,108,224,.08)}
.assist-head .dot{width:.7rem;height:.7rem;border-radius:50%;background:var(--good);flex:0 0 auto}
.assist-head b{font-weight:600}
.assist-head small{color:var(--faint);font-size:.85rem;margin-left:auto}
.chat{padding:1.1rem;display:flex;flex-direction:column;gap:.8rem;max-height:26rem;overflow-y:auto}
.msg{max-width:88%;padding:.8rem 1rem;border-radius:.9rem;line-height:1.55;font-size:1.02rem;white-space:pre-wrap}
.msg.model{background:var(--card);border:1px solid var(--line);align-self:flex-start;border-bottom-left-radius:.3rem}
.msg.user{background:rgba(127,108,224,.28);align-self:flex-end;border-bottom-right-radius:.3rem}
.msg.typing{color:var(--faint)}
.chips{display:flex;flex-wrap:wrap;gap:.55rem;padding:0 1.1rem .9rem}
.chip{min-height:48px;padding:.7rem 1rem;border-radius:.7rem;border:1px solid var(--line);background:var(--card);
  color:var(--ink);font:inherit;font-size:1rem;cursor:pointer;transition:border-color .15s,background .15s}
.chip:hover{border-color:var(--accent);background:rgba(127,108,224,.12)}
.ask{display:flex;gap:.5rem;padding:.9rem 1.1rem;border-top:1px solid var(--line)}
.ask input{flex:1;min-height:50px;padding:.7rem .9rem;border-radius:.7rem;border:1px solid var(--line);
  background:var(--card);color:var(--ink);font:inherit;font-size:1.02rem}
.ask button{min-width:4.2rem}
.assist-foot{display:flex;justify-content:space-between;align-items:center;gap:.6rem;flex-wrap:wrap;
  padding:.7rem 1.1rem .95rem;font-size:.88rem;color:var(--faint)}
.assist-foot button{background:none;border:0;color:var(--lav);font:inherit;font-size:.95rem;cursor:pointer;
  min-height:44px;padding:.4rem .2rem;text-decoration:underline}

/* capture card */
.capture{margin:0 1.1rem 1.1rem;background:var(--card2);border:1px solid rgba(157,139,255,.35);border-radius:.9rem;padding:1.1rem}
.capture h3{font-family:inherit;font-size:1.12rem;margin-bottom:.25rem}
.capture p{color:var(--dim);font-size:.95rem;margin-bottom:.9rem}
.field{margin-bottom:.85rem}
.field label{display:block;font-size:.95rem;margin-bottom:.35rem}
.field input,.field textarea{width:100%;min-height:50px;padding:.7rem .9rem;border-radius:.7rem;border:1px solid var(--line);
  background:var(--navy);color:var(--ink);font:inherit;font-size:1.02rem}
.field textarea{min-height:6rem;resize:vertical}
.consent{display:flex;gap:.7rem;align-items:flex-start;cursor:pointer;margin:.4rem 0 1rem}
.consent input{width:24px;height:24px;margin-top:.15rem;flex:0 0 auto;accent-color:var(--accent)}
.consent span{font-size:.9rem;color:var(--dim);line-height:1.5}
.err{color:var(--warn);font-size:.95rem;min-height:1.4rem;margin:.3rem 0 0}
.thanks{text-align:center;padding:.5rem 0}
.thanks h3{color:var(--good)}
.hp{position:absolute;left:-9999px;opacity:0;height:0;width:0}

/* cards */
.cards{display:grid;gap:1.1rem;grid-template-columns:1fr}
@media (min-width:700px){.cards{grid-template-columns:repeat(3,1fr)}}
.card{background:var(--card);border:1px solid var(--line);border-radius:1rem;padding:1.5rem 1.35rem}
.card .n{display:inline-flex;width:2.4rem;height:2.4rem;align-items:center;justify-content:center;border-radius:50%;
  background:rgba(127,108,224,.2);color:var(--lav);font-weight:700;margin-bottom:.9rem;font-family:Georgia,serif}
.card p{color:var(--dim);margin-bottom:0}
.card a.more{display:inline-block;margin-top:.8rem;font-weight:600;min-height:44px;line-height:44px}

/* prose blocks on inner pages */
.prose h2{margin-top:2.4rem}
.prose h2:first-child{margin-top:0}
.prose ul{margin:0 0 1.2rem 1.3rem}
.prose li{margin-bottom:.45rem}
.note{background:rgba(230,185,110,.1);border:1px solid rgba(230,185,110,.3);border-radius:.8rem;padding:1rem 1.1rem;color:var(--warn);font-size:.98rem}
.two{display:grid;gap:1.1rem;grid-template-columns:1fr}
@media (min-width:760px){.two{grid-template-columns:1fr 1fr}}

/* cta band */
.band{background:linear-gradient(135deg,rgba(127,108,224,.22),rgba(157,139,255,.06));border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.band .row{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:1.2rem}
.band h2{margin-bottom:.3rem}
.band p{color:var(--dim);margin:0}
.band .acts{display:flex;flex-wrap:wrap;gap:.7rem}

/* footer */
footer.site{padding:2.5rem 0 3rem;border-top:1px solid var(--line);color:var(--faint);font-size:.95rem;line-height:1.7}
footer.site .lic{color:var(--dim);font-weight:600;margin-bottom:.5rem}
footer.site nav{display:flex;flex-wrap:wrap;gap:.3rem 1.2rem;margin:.8rem 0}
footer.site a{color:var(--dim);text-decoration:none;min-height:44px;display:inline-flex;align-items:center}
footer.site a:hover{color:var(--ink);text-decoration:underline}
footer.site .fine{font-size:.85rem;margin-top:.8rem}

@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none !important}}