/*
Theme Name: JV Financial Services — Keystone
Theme URI: https://jvfinancials.com/
Author: JV Financial Services LLC
Description: Combined accounting, tax, SEC reporting and retirement site for JV Financial Services LLC (jvfinancials.com). Lead forms store every submission under Leads, email a notification, and (optionally) add the contact to Mailchimp with tags. Settings: Appearance → Customize → JV Financial Services.
Version: 3.0.0
Requires at least: 6.0
Requires PHP: 7.4
Text Domain: jvfs
*/
/* JV Financial Services — "Guided Planner" theme
   Layout: a planner-first site. Light, cool harbor-white ground; navy is reserved for the
   planner and the footer (navy); gold only marks progress and the CTA. */
:root{
  --mist:#F5F8F9;      /* page ground, cool white with a sea tint */
  --paper:#FFFFFF;     /* raised surfaces */
  --ink:#1C2B39;       /* logo navy: text and night bands */
  --ink-2:#4A5D6E;     /* secondary text */
  --line:#D6DFE4;      /* hairlines */
  --gold:#AD8A3E;      /* logo gold: light box, progress, primary CTA */
  --gold-deep:#8A6C2C; /* gold text on light ground (AA) */
  --gold-soft:#E9D9B0; /* gold on navy */
  --tide:#2D6A6E;      /* harbor teal: links and secondary accents */
  --tide-wash:#E3EFEF;
  --night:#162330;     /* footer */
  --serif:"Source Serif 4", Georgia, "Times New Roman", serif;
  --sans:"Atkinson Hyperlegible Next","Atkinson Hyperlegible", "Segoe UI", Arial, sans-serif;
  --mono:"Atkinson Hyperlegible Mono", ui-monospace, "SFMono-Regular", Consolas, monospace;
  --r:10px;
  --wrap:1160px;
  color-scheme:light;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;background:var(--mist);color:var(--ink);font-family:var(--sans);font-size:19px;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto}
a{color:var(--tide);text-underline-offset:3px;text-decoration-thickness:1px}
a:hover{color:var(--ink)}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:4px}
h1,h2,h3,h4{font-family:var(--serif);font-weight:600;line-height:1.15;text-wrap:balance;margin:0;color:var(--ink);letter-spacing:-.01em}
h1{font-size:clamp(2.2rem,4.6vw,3.5rem)}
h2{font-size:clamp(1.7rem,3vw,2.35rem)}
h3{font-size:1.3rem}
p{margin:0}
.wrap{max-width:var(--wrap);margin:0 auto;padding-left:max(20px,env(safe-area-inset-left,0px));padding-right:max(20px,env(safe-area-inset-right,0px))}
.prose{max-width:68ch}
.stack{display:flex;flex-direction:column;gap:18px}
.eyebrow{font-family:var(--sans);font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--tide)}
.lead{font-size:1.18rem;color:var(--ink-2);max-width:60ch}
.muted{color:var(--ink-2)}
.small{font-size:.86rem}
.num{font-family:var(--mono);font-variant-numeric:tabular-nums}
.skip{position:absolute;left:-9999px}
.skip:focus{left:16px;top:16px;z-index:100;background:var(--paper);padding:10px 14px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:0 24px;border-radius:999px;font:700 1rem/1 var(--sans);text-decoration:none;border:2px solid transparent;cursor:pointer;transition:background .15s,color .15s,border-color .15s}
.btn-gold{background:var(--gold);color:#fff}
.btn-gold:hover{background:var(--gold-deep);color:#fff}
.btn-line{background:transparent;border-color:var(--ink);color:var(--ink)}
.btn-line:hover{background:var(--ink);color:#fff}
.btn-ghost-light{background:transparent;border-color:rgba(255,255,255,.45);color:#fff}
.btn-ghost-light:hover{border-color:#fff;color:#fff}
.textlink{font-weight:700;text-decoration:none;color:var(--tide)}
.textlink::after{content:" →"}

/* Header */
body::before{content:"";position:fixed;inset:0 0 auto;height:env(safe-area-inset-top,0px);z-index:60;background:var(--paper)}
.site-header{position:sticky;top:env(safe-area-inset-top,0px);z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.2) blur(6px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;gap:24px;min-height:78px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink);flex-shrink:0}
.brand svg{width:63px;height:42px;color:var(--ink)}
.brand-name{display:flex;flex-direction:column;line-height:1.1}
.brand-name b{font-family:var(--serif);font-weight:600;font-size:1.22rem}
.brand-name span{font-size:.62rem;letter-spacing:.2em;font-weight:700;color:var(--gold-deep);margin-top:4px}
.nav{display:flex;gap:4px;margin-left:auto;align-items:center}
.nav a{padding:10px 12px;border-radius:8px;text-decoration:none;color:var(--ink);font-weight:700;font-size:.95rem}
.nav a:hover,.nav a[aria-current="page"]{background:var(--tide-wash);color:var(--ink)}
.header-cta{display:flex;align-items:center;gap:16px}
.header-phone{font-weight:700;text-decoration:none;color:var(--ink);white-space:nowrap;font-size:.95rem}
.header-cta .btn{min-height:46px;padding:0 20px;font-size:.95rem}
.menu-btn{display:none;margin-left:auto;background:none;border:2px solid var(--line);border-radius:8px;min-height:44px;padding:0 14px;font:700 .95rem var(--sans);color:var(--ink);cursor:pointer}
@media (max-width:1260px){
  .header-phone{display:none}
}
@media (max-width:1040px){
  .menu-btn{display:inline-flex;align-items:center}
  .nav,.header-cta{display:none}
  .site-header.open .nav{display:flex;flex-direction:column;align-items:stretch;position:absolute;left:0;right:0;top:100%;background:var(--paper);border-bottom:1px solid var(--line);padding:12px max(20px,env(safe-area-inset-left,0px)) 20px}
  .site-header.open .nav a{padding:14px 12px;font-size:1.05rem}
  .brand-name b{font-size:1.08rem}
}

/* Sections */
.band{padding-block:clamp(56px,8vw,96px)}
.band-paper{background:var(--paper);border-block:1px solid var(--line)}
.band-night{background:var(--ink);color:#fff}
.band-night h2,.band-night h3{color:#fff}
.section-head{display:flex;flex-direction:column;gap:12px;margin-bottom:40px;max-width:760px}
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}
.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
@media (max-width:960px){.g3,.g4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.g2,.g3,.g4{grid-template-columns:minmax(0,1fr)}}

/* Hero (home) */
.hero{padding-block:clamp(40px,6vw,72px) clamp(56px,7vw,88px)}
.hero-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);gap:clamp(32px,5vw,64px);align-items:start}
@media (max-width:960px){.hero-grid{grid-template-columns:minmax(0,1fr)}}
.hero-copy{display:flex;flex-direction:column;gap:22px;padding-top:12px}
.creds{display:flex;flex-wrap:wrap;gap:8px 18px;font-size:.88rem;color:var(--ink-2);padding-top:6px;border-top:1px solid var(--line)}
.creds b{color:var(--ink)}
.page-hero{padding-block:clamp(44px,6vw,80px) clamp(36px,5vw,56px);border-bottom:1px solid var(--line);background:var(--paper)}
.page-hero .wrap > *{max-width:820px}
.crumbs{font-size:.86rem;color:var(--ink-2)}
.crumbs a{color:var(--ink-2)}

/* Planner */
.planner{background:var(--ink);color:#fff;border-radius:18px;padding:clamp(22px,3.5vw,36px);box-shadow:0 24px 60px -30px rgba(28,43,57,.55);position:relative;overflow:hidden}
.planner::before{content:"";position:absolute;right:-90px;top:-90px;width:260px;height:260px;border-radius:50%;background:radial-gradient(circle,rgba(173,138,62,.28),transparent 65%);pointer-events:none}
.planner-top{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:18px;position:relative}
.planner-label{font-size:.76rem;letter-spacing:.16em;text-transform:uppercase;font-weight:700;color:var(--gold-soft)}
.planner-steps{display:flex;gap:6px}
.planner-steps i{display:block;width:34px;height:5px;border-radius:3px;background:rgba(255,255,255,.18)}
.planner-steps i.on{background:var(--gold)}
.planner h2{color:#fff;font-size:clamp(1.45rem,2.4vw,1.8rem);margin-bottom:18px;position:relative}
.choices{display:grid;gap:10px;position:relative}
.choice{display:flex;align-items:center;gap:14px;width:100%;text-align:left;background:rgba(255,255,255,.06);border:1.5px solid rgba(255,255,255,.18);color:#fff;border-radius:12px;padding:14px 16px;font:400 1.02rem/1.35 var(--sans);cursor:pointer;transition:background .15s,border-color .15s}
.choice:hover{background:rgba(255,255,255,.11);border-color:var(--gold-soft)}
.choice[aria-pressed="true"]{border-color:var(--gold);background:rgba(173,138,62,.18)}
.choice .k{flex:0 0 30px;height:30px;border-radius:50%;border:1.5px solid rgba(255,255,255,.35);display:grid;place-items:center;font:700 .82rem var(--mono);color:var(--gold-soft)}
.choice small{display:block;color:rgba(255,255,255,.66);font-size:.86rem;margin-top:2px}
.planner-foot{display:flex;justify-content:space-between;align-items:center;margin-top:18px;gap:12px;font-size:.86rem;color:rgba(255,255,255,.66);position:relative}
.planner-foot button{background:none;border:0;color:var(--gold-soft);font:700 .9rem var(--sans);cursor:pointer;padding:8px 0}
.result{position:relative;display:flex;flex-direction:column;gap:16px}
.result h2{margin:0}
.result-points{display:flex;flex-direction:column;gap:10px;margin:0;padding:0;list-style:none}
.result-points li{display:flex;gap:12px;font-size:1rem;line-height:1.5;color:rgba(255,255,255,.9)}
.result-points li::before{content:"";flex:0 0 8px;height:8px;margin-top:.55em;border-radius:50%;background:var(--gold)}
.result-links{display:flex;flex-wrap:wrap;gap:8px}
.result-links a{color:#fff;font-size:.9rem;font-weight:700;text-decoration:none;border:1px solid rgba(255,255,255,.3);border-radius:999px;padding:8px 14px}
.result-links a:hover{border-color:var(--gold-soft);color:var(--gold-soft)}
.result .lead-form{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.16);border-radius:12px;padding:16px}
.result-note{font-size:.8rem;color:rgba(255,255,255,.6)}

/* Forms */
.lead-form{display:flex;flex-direction:column;gap:12px}
.form-row{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
@media (max-width:560px){.form-row{grid-template-columns:minmax(0,1fr)}}
.field{display:flex;flex-direction:column;gap:6px}
.field label{font-size:.88rem;font-weight:700}
.field input,.field select,.field textarea{width:100%;min-height:52px;border-radius:10px;border:1.5px solid var(--line);background:var(--paper);color:var(--ink);font:400 1rem var(--sans);padding:12px 14px}
.field textarea{min-height:120px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--tide);outline:2px solid var(--tide-wash)}
.dark-form .field label{color:#fff}
.dark-form .field input{border-color:rgba(255,255,255,.25)}
.consent{font-size:.8rem;line-height:1.45;color:var(--ink-2)}
.dark-form .consent{color:rgba(255,255,255,.66)}
.dark-form .consent a{color:var(--gold-soft)}
.hp{position:absolute!important;left:-5000px!important;width:1px;height:1px;overflow:hidden}
.form-msg{border-radius:10px;padding:14px 16px;background:var(--tide-wash);color:var(--ink);font-size:.95rem}

/* Cards and lists */
.card{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:26px;display:flex;flex-direction:column;gap:12px;min-width:0}
.card h3{font-size:1.22rem}
.card p{color:var(--ink-2);font-size:1rem}
.card .textlink{margin-top:auto;padding-top:6px}
.situation{text-decoration:none;color:inherit;transition:border-color .15s,transform .15s}
.situation:hover{border-color:var(--tide);transform:translateY(-2px)}
.situation .tag{font-size:.74rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-deep)}
.check{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:10px}
.check li{position:relative;padding-left:30px}
.check li::before{content:"";position:absolute;left:2px;top:.45em;width:16px;height:9px;border-left:2.5px solid var(--tide);border-bottom:2.5px solid var(--tide);transform:rotate(-45deg)}

/* Steps (real sequence) */
.steps{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:0;counter-reset:s;border-top:2px solid var(--ink)}
.steps li{list-style:none;padding:20px 20px 0 0;display:flex;flex-direction:column;gap:8px;counter-increment:s}
.steps li::before{content:"Step " counter(s);font:700 .78rem var(--mono);letter-spacing:.08em;color:var(--gold-deep);text-transform:uppercase}
.steps h3{font-size:1.1rem}
.steps p{font-size:.95rem;color:var(--ink-2)}
@media (max-width:960px){.steps{grid-template-columns:repeat(2,minmax(0,1fr));row-gap:24px}}
@media (max-width:560px){.steps{grid-template-columns:minmax(0,1fr)}}
.steps.s6{grid-template-columns:repeat(3,minmax(0,1fr));row-gap:28px}
@media (max-width:760px){.steps.s6{grid-template-columns:minmax(0,1fr)}}

/* Figures strip */
.figs{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));border:1px solid var(--line);border-radius:14px;overflow:hidden;background:var(--paper)}
.fig{padding:22px 22px 20px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);display:flex;flex-direction:column;gap:6px}
.fig b{font:500 1.7rem/1.1 var(--mono);font-variant-numeric:tabular-nums;color:var(--ink)}
.fig span{font-size:.9rem;color:var(--ink-2);line-height:1.4}
@media (max-width:960px){.figs{grid-template-columns:repeat(2,minmax(0,1fr))}}
.source{font-size:.82rem;color:var(--ink-2);margin-top:14px}

/* Tables */
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:14px;background:var(--paper)}
table{border-collapse:collapse;width:100%;min-width:620px;font-size:.98rem}
th,td{text-align:left;padding:14px 18px;border-bottom:1px solid var(--line);vertical-align:top}
thead th{font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-2);background:var(--mist)}
tbody tr:last-child td,tbody tr:last-child th{border-bottom:0}
tbody th{font-weight:700}
td.num,th.num{text-align:right;white-space:nowrap}
.table-note{font-size:.84rem;color:var(--ink-2);margin-top:12px;max-width:80ch}

/* Callouts */
.note{border-left:4px solid var(--gold);background:var(--paper);padding:18px 22px;border-radius:0 12px 12px 0;font-size:.98rem}
.note b{display:block;margin-bottom:4px}
.disclose{background:var(--tide-wash);border-radius:14px;padding:24px 26px;display:flex;flex-direction:column;gap:10px;font-size:.98rem}
.disclose h3{font-size:1.15rem}

/* Split CTA band */
.cta-band{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,.9fr);gap:40px;align-items:center}
@media (max-width:860px){.cta-band{grid-template-columns:minmax(0,1fr)}}
.form-card{background:var(--paper);color:var(--ink);border-radius:16px;padding:28px}
.band-night .lead{color:rgba(255,255,255,.78)}
.band-night .eyebrow{color:var(--gold-soft)}

/* About */
.about-grid{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:48px;align-items:start}
@media (max-width:860px){.about-grid{grid-template-columns:minmax(0,1fr)}}
.portrait{aspect-ratio:4/5;max-width:100%;border-radius:16px;background:linear-gradient(160deg,var(--ink),#2B4257);display:grid;place-items:center;overflow:hidden;position:relative}
.portrait img{width:100%;height:100%;object-fit:cover}
.portrait svg{width:56%;color:#fff}
.portrait figcaption{position:absolute;left:16px;bottom:14px;font-size:.8rem;color:rgba(255,255,255,.75)}
.cred-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.cred-list div{background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:16px 18px}
.cred-list b{display:block;font-family:var(--serif);font-size:1.15rem}
.cred-list span{font-size:.9rem;color:var(--ink-2)}
@media (max-width:560px){.cred-list{grid-template-columns:minmax(0,1fr)}}
.carriers{display:flex;flex-wrap:wrap;gap:10px 28px;font-family:var(--serif);font-size:1.15rem;color:var(--ink)}

/* Article */
.article{background:var(--paper)}
.article .wrap{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:56px;align-items:start}
@media (max-width:960px){.article .wrap{grid-template-columns:minmax(0,1fr)}}
.article-body{max-width:68ch;display:flex;flex-direction:column;gap:20px}
.article-body h2{font-size:1.65rem;margin-top:18px}
.article-body h3{font-size:1.25rem;margin-top:6px}
.article-body ul,.article-body ol{margin:0;padding-left:1.3em;display:flex;flex-direction:column;gap:8px}
.article-body blockquote{margin:0}
.article-body .table-wrap table{min-width:640px}
.article-body em:only-child{font-size:.88rem;color:var(--ink-2);display:block;border-top:1px solid var(--line);padding-top:18px}
.aside{position:sticky;top:110px;display:flex;flex-direction:column;gap:16px}
.meta{font-size:.9rem;color:var(--ink-2)}

/* Tools */
.tool{background:var(--paper);border:1px solid var(--line);border-radius:16px;padding:clamp(22px,3vw,34px);display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:32px}
@media (max-width:860px){.tool{grid-template-columns:minmax(0,1fr)}}
.tool-out{background:var(--mist);border-radius:12px;padding:22px;display:flex;flex-direction:column;gap:14px}
.out-big{font:500 2.2rem/1 var(--mono);font-variant-numeric:tabular-nums}
.out-row{display:flex;justify-content:space-between;gap:16px;border-bottom:1px solid var(--line);padding-bottom:10px;font-size:.98rem}
.out-row:last-child{border-bottom:0}
.out-row b{font-family:var(--mono);font-variant-numeric:tabular-nums;font-weight:500;text-align:right}
.pill{align-self:flex-start;display:inline-block;font-size:.78rem;font-weight:700;border-radius:999px;padding:4px 10px;background:var(--tide-wash);color:var(--tide)}
.pill.warn{background:#F6EAD0;color:var(--gold-deep)}

/* Footer */
.site-footer{background:var(--night);color:rgba(255,255,255,.78);padding-block:64px 36px;font-size:.95rem}
.site-footer a{color:rgba(255,255,255,.86);text-decoration:none}
.site-footer a:hover{color:var(--gold-soft)}
.foot-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:36px}
@media (max-width:900px){.foot-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:560px){.foot-grid{grid-template-columns:minmax(0,1fr)}}
.site-footer h4{font-family:var(--sans);font-size:.76rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-soft);margin-bottom:14px}
.site-footer ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:9px}
.site-footer .brand{color:#fff}
.site-footer .brand svg{color:#fff}
.site-footer .brand-name span{color:var(--gold-soft)}
.foot-legal{border-top:1px solid rgba(255,255,255,.14);margin-top:44px;padding-top:24px;font-size:.8rem;line-height:1.6;color:rgba(255,255,255,.6);display:flex;flex-direction:column;gap:10px}
.coords{font-family:var(--mono);font-size:.78rem;color:rgba(255,255,255,.5)}

/* Legal pages */
.legal h2{font-size:1.45rem;margin-top:12px}
.legal p,.legal li{font-size:1rem}
.legal ul{display:flex;flex-direction:column;gap:6px;padding-left:1.2em;margin:0}

/* Preview banner (static preview only) */
.preview-flag{background:var(--gold);color:#fff;font-size:.85rem;text-align:center;padding:8px 16px}
section[id],div[id]{scroll-margin-top:96px}
@media (max-width:440px){.site-header .wrap{gap:12px}.brand{gap:8px}.brand svg{width:51px;height:34px}.brand-name b{font-size:1rem}.brand-name span{letter-spacing:.08em;font-size:.55rem}.menu-btn{padding:0 10px}}

.nav a,.header-cta .btn{white-space:nowrap}

.checks{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px 16px}
.checks label{display:flex;gap:10px;align-items:flex-start;font-size:.95rem;line-height:1.35}
.checks input{width:18px;height:18px;margin-top:2px;accent-color:var(--tide);flex:none}
@media (max-width:560px){.checks{grid-template-columns:minmax(0,1fr)}}
.out-row.past b{color:var(--ink-2);text-decoration:line-through}