:root{
  /* NXT UP brand: bold royal blue + lime, on clean white */
  --navy:#1E4AA6;--navy-deep:#163A85;--ink:#111418;--ivory:#FFFFFF;--sand:#F3F6FC;
  --gold:#9BCB3F;--lime-on-dark:#B5E05A;--gold-text:#1E4AA6;--sage:#1E4AA6;--charcoal:#1F2328;
  --line:#E2E7F1;--muted:#4B5563;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{background:var(--ivory);color:var(--charcoal);font-family:'Work Sans',system-ui,sans-serif;line-height:1.55;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:'Fraunces',Georgia,serif;font-weight:600;color:var(--ink);line-height:1.1}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:1120px;margin:0 auto;padding:0 32px}
@media(max-width:560px){.wrap{padding:0 16px}}
.eyebrow{font-family:'IBM Plex Mono',monospace;font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--sage);font-weight:500}
.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:16px;background:#fff;padding:8px 12px;z-index:100}

/* Header */
header.site{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.95);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:16px 32px;max-width:1120px;margin:0 auto}
.logo{font-family:'Fraunces',serif;font-weight:800;font-size:20px;color:var(--navy);display:flex;align-items:center;gap:8px;white-space:nowrap}
.logo .mark{color:var(--gold)}
.nav-links{display:flex;gap:28px;font-size:14.5px;font-weight:500}
.nav-links a{opacity:.8;transition:opacity .15s,color .15s;padding:4px 0}
.nav-links a:hover,.nav-links a[aria-current=page]{opacity:1;color:var(--sage)}
.nav-links a[aria-current=page]{border-bottom:2px solid var(--gold)}
.menu-btn{display:none;background:none;border:1.5px solid var(--navy);border-radius:3px;padding:8px 12px;font:600 14px 'Work Sans',sans-serif;color:var(--navy);cursor:pointer}
@media(max-width:900px){
  .nav{padding:14px 16px}
  .menu-btn{display:block}
  .nav .btn.cta{display:none}
  .nav-links{display:none;position:absolute;top:100%;left:0;right:0;background:var(--ivory);flex-direction:column;gap:0;border-bottom:1px solid var(--line);padding:8px 16px 16px}
  .nav-links.open{display:flex}
  .nav-links a{padding:12px 0;border-bottom:1px solid var(--line)}
}

/* Buttons */
.btn{display:inline-block;background:var(--navy);color:var(--ivory)!important;padding:12px 22px;border-radius:3px;font-size:14.5px;font-weight:600;letter-spacing:.01em;transition:background .15s,transform .15s;border:1.5px solid var(--navy);cursor:pointer;font-family:inherit}
.btn:hover{background:var(--navy-deep);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:var(--navy)!important}
.btn-ghost:hover{background:var(--navy);color:var(--ivory)!important}
.btn:focus-visible,a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid var(--gold);outline-offset:2px}

/* Ledger */
.ledger{max-width:1120px;margin:0 auto;padding:0 32px;height:34px}
.ledger svg{display:block}
@media(max-width:900px){.ledger{padding:0 16px}}
.ledger rect:nth-child(odd){fill:var(--sage)}.ledger rect:nth-child(even){fill:var(--gold)}

/* Hero */
.hero{padding:80px 0 64px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr;gap:36px}.hero{padding:48px 0 40px}}
.hero h1{font-size:clamp(34px,5vw,56px);letter-spacing:-.01em;margin:16px 0 20px}
.hero h1 em{font-style:normal;color:var(--gold-text)}
.lead{font-size:18px;color:#374151;max-width:48ch;margin-bottom:30px}
.ctas{display:flex;gap:14px;flex-wrap:wrap}
.panel-dark{background:var(--navy);border-left:10px solid var(--gold);border-radius:6px;padding:36px 32px 28px;color:var(--ivory)}
.panel-dark .cap{font-family:'IBM Plex Mono',monospace;font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:#C9D6F2;margin-bottom:18px}
.panel-dark blockquote{font-family:'Fraunces',serif;font-size:20px;line-height:1.45;color:#FFFFFF}
.panel-dark .foot{margin-top:24px;font-size:13px;color:#DCE5F7;border-top:1px solid #3E64B8;padding-top:16px}
.portrait{border-radius:6px;overflow:hidden;border:1px solid var(--line);background:var(--sand);aspect-ratio:1}
.portrait img{width:100%;height:100%;object-fit:cover}

/* Badges */
.badges .row{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:24px 0}
.badge{font-family:'IBM Plex Mono',monospace;font-size:12.5px;color:var(--navy);background:var(--sand);border:1px solid var(--line);padding:8px 16px;border-radius:20px}

/* Sections */
section{padding:76px 0}
@media(max-width:560px){section{padding:52px 0}}
.section-head{max-width:660px;margin-bottom:44px}
.section-head h2{font-size:clamp(26px,3.4vw,38px);margin-top:10px}
.section-head p{color:var(--muted);font-size:16.5px;margin-top:12px}
.prose p{font-size:17px;color:#2B2F36;max-width:62ch;margin-bottom:16px}
.alt{background:var(--sand);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}

/* Cards */
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
@media(max-width:980px){.grid-4,.grid-3{grid-template-columns:repeat(2,1fr)}}
@media(max-width:620px){.grid-4,.grid-3,.grid-2{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:6px;padding:26px 22px;transition:transform .15s,box-shadow .15s;display:block}
a.card:hover{transform:translateY(-3px);box-shadow:0 10px 24px rgba(28,43,68,.08)}
.card .num{font-family:'IBM Plex Mono',monospace;font-size:12px;color:var(--gold-text);margin-bottom:14px}
.card h3{font-size:19px;margin-bottom:10px}
.card p{font-size:14.5px;color:var(--muted)}
.card .more{display:inline-block;margin-top:16px;font-weight:600;font-size:14px;color:var(--navy);border-bottom:2px solid var(--gold)}

/* Dark band */
.dark{background:var(--navy);color:var(--ivory)}
.dark h2,.dark h3{color:var(--ivory)}
.dark .eyebrow{color:#C9D6F2}
.dark .section-head p{color:#DCE5F7}
.theme{border-top:3px solid var(--lime-on-dark);padding-top:16px}
.theme h3{font-size:18px;margin-bottom:8px}
.theme p{color:#DCE5F7;font-size:14.5px}
.levels{display:grid;grid-template-columns:1fr 1fr;gap:24px;border-top:1px solid #3E64B8;padding-top:28px;margin-top:36px}
@media(max-width:760px){.levels{grid-template-columns:1fr}}
.level .tag{font-family:'IBM Plex Mono',monospace;font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--lime-on-dark);margin-bottom:8px}
.level p{color:#EEF2FB;font-size:15px}
.tailored{margin-top:26px;font-size:14.5px;color:#C9D6F2;font-style:italic}

/* Two column with panel */
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:start}
@media(max-width:900px){.split{grid-template-columns:1fr;gap:32px}}
.split h2{font-size:clamp(26px,3.4vw,36px);margin:10px 0 16px}
.split p{color:#374151;font-size:16px;margin-bottom:14px;max-width:56ch}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin:20px 0 22px}
.panel{background:#fff;border:1px solid var(--line);border-radius:6px;padding:28px 26px}
.panel h3{font-size:17px;margin-bottom:10px}
.steps{list-style:none;counter-reset:st}
.steps li{padding:14px 0 14px 46px;position:relative;counter-increment:st;border-bottom:1px solid var(--line)}
.steps li:last-child{border-bottom:none}
.steps li::before{content:counter(st);position:absolute;left:0;top:13px;width:30px;height:30px;border-radius:50%;background:var(--navy);color:var(--ivory);font-family:'IBM Plex Mono',monospace;font-size:13px;display:flex;align-items:center;justify-content:center}
.steps strong{display:block;font-family:'Fraunces',serif;color:var(--navy);font-size:16.5px;margin-bottom:2px}
.steps span{color:var(--muted);font-size:14.5px}
.ticks{list-style:none}
.ticks li{display:flex;gap:12px;padding:12px 0;border-bottom:1px solid var(--line);font-size:16px;font-weight:500;color:var(--navy)}
.ticks li:last-child{border-bottom:none}
.ticks li::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--gold);margin-top:9px;flex:none}

/* Services list */
.service-group{margin-bottom:56px}
.service-group:last-child{margin-bottom:0}
.service-group > h3{font-size:clamp(22px,2.6vw,28px);margin-bottom:6px}
.service-group > p{color:var(--muted);margin-bottom:24px}

/* Marquee */
.marquee{overflow:hidden;border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--sand);padding:18px 0}
.marquee-track{display:flex;gap:40px;width:max-content;animation:scroll 40s linear infinite;font-family:'Fraunces',serif;font-size:22px;font-weight:600;color:var(--navy);white-space:nowrap}
.marquee-track span::after{content:"•";color:var(--gold);margin-left:40px}
@keyframes scroll{to{transform:translateX(-50%)}}
@media(prefers-reduced-motion:reduce){.marquee-track{animation:none;flex-wrap:wrap;width:auto;justify-content:center;padding:0 16px}}

/* Testimonials */
.testimonials{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;align-items:start}
@media(max-width:900px){.testimonials{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.testimonials{grid-template-columns:1fr}}
.quote-card{background:#fff;border:1px solid var(--line);border-radius:6px;padding:30px 26px}
.quote-card.featured{grid-column:1/-1;background:#F4F9EA;border-color:#DCEBBB;border-left:6px solid var(--gold)}
.quote-card.featured .q{font-size:18px;font-family:'Fraunces',serif;line-height:1.5}
.quote-card .mark{font-family:'Fraunces',serif;font-size:44px;color:var(--gold);line-height:.5;display:block;margin-bottom:10px}
.quote-card .q{font-size:15.5px;color:#2B2F36;margin-bottom:18px}
.quote-card .who{font-size:13.5px;font-weight:600;color:var(--navy)}
.quote-card .role{font-size:12.5px;color:#5B6472;margin-top:2px}

/* CTA band */
.cta-band{background:var(--gold);color:var(--ink);text-align:center}
.cta-band h2{color:var(--ink);font-size:clamp(26px,4vw,40px)}
.cta-band p{max-width:52ch;margin:14px auto 28px;font-size:16.5px}
.cta-band .btn{background:var(--ink);border-color:var(--ink)}
.cta-band .btn:hover{background:var(--navy)}

/* Contact form */
.form{display:grid;gap:18px}
.form label{display:grid;gap:6px;font-size:14px;font-weight:600;color:var(--navy)}
.form input,.form select,.form textarea{font:inherit;font-weight:400;padding:12px 14px;border:1.5px solid var(--line);border-radius:4px;background:#fff;color:var(--charcoal);width:100%}
.form textarea{min-height:150px;resize:vertical}
.form .row2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media(max-width:620px){.form .row2{grid-template-columns:1fr}}
.form .hp{position:absolute;left:-5000px}
.status{font-size:15px;padding:14px 16px;border-radius:4px;display:none}
.status.ok{display:block;background:#E3EFE9;color:#24493c}
.status.err{display:block;background:#F8E6E1;color:#7a2e1c}
.contact-side .item{padding:16px 0;border-bottom:1px solid var(--line)}
.contact-side .item:last-child{border-bottom:none}
.contact-side .k{font-family:'IBM Plex Mono',monospace;font-size:11.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--sage);margin-bottom:4px}
.contact-side a{font-weight:600;color:var(--navy);border-bottom:2px solid var(--gold);word-break:break-all}

/* Footer */
footer.site{padding:44px 0;font-size:14px;color:#5B6472;border-top:1px solid var(--line)}
footer.site .wrap{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;align-items:center}
footer.site nav{display:flex;gap:20px;flex-wrap:wrap}
footer.site a:hover{color:var(--sage)}

/* Loading */
[data-loading] main{opacity:0}
main{transition:opacity .25s}
.load-error{padding:120px 16px;text-align:center;color:var(--muted)}

/* Financial Fitness page: header and footer exactly as the mockup */
.logo .sub{color:var(--sage);font-weight:500}
.nav.ff .btn{display:inline-block}
@media(max-width:820px){.nav.ff .nav-links{display:none}}
.card h3 a.u{border-bottom:2px solid var(--gold)}
#internships .split .btn{margin-top:12px}
#internships .chips{margin:20px 0 0}
footer.ff{padding:40px 0;text-align:center;font-size:13px;color:#5B6472}
.dark .eyebrow{color:var(--lime-on-dark)}
@media(max-width:560px){
  .nav.ff{gap:12px}
  .nav.ff .logo{font-size:17px}
  .nav.ff .btn{padding:9px 12px;font-size:13px;white-space:nowrap}
}
@media(max-width:420px){.nav.ff .logo .sub{display:none}}

/* Topic strip under the Financial Fitness hero: clear statements, not buttons */
.badges{padding:8px 0 24px}
.topics{list-style:none;display:grid;grid-template-columns:repeat(4,1fr);border-top:3px solid var(--navy);border-bottom:1px solid var(--line)}
.topics li{display:flex;align-items:center;gap:12px;padding:24px 20px;font-family:'Work Sans',sans-serif;font-size:18px;font-weight:600;line-height:1.3;color:var(--ink)}
.topics li+li{border-left:1px solid var(--line)}
.topics li::before{content:"";width:12px;height:12px;background:var(--gold);flex:none}
@media(max-width:980px){.topics{grid-template-columns:repeat(2,1fr)}.topics li:nth-child(3){border-left:none}.topics li:nth-child(n+3){border-top:1px solid var(--line)}}
@media(max-width:560px){.topics{grid-template-columns:1fr}.topics li{padding:16px 4px;font-size:17px}.topics li+li{border-left:none;border-top:1px solid var(--line)}}

/* Oct 26 notes */
.badges .badge{font-family:'Work Sans',sans-serif;font-weight:700;font-size:16px;padding:11px 20px;color:var(--ink)}
#internships .chips .badge{font-family:'Work Sans',sans-serif;font-weight:700;font-size:15.5px;padding:10px 18px;color:var(--ink)}
.ul-heads h3{display:inline-block;border-bottom:2px solid var(--gold);padding-bottom:2px}
.ul-heads h3 a.u{border-bottom:none}
.portrait.tall{aspect-ratio:auto;max-width:440px;justify-self:end;width:100%}
.portrait.tall img{height:auto}
.bio-h{font-size:clamp(26px,3.4vw,36px);margin:10px 0 16px}
.bio{font-size:17px;color:#374151;max-width:58ch}
@media(max-width:900px){.portrait.tall{justify-self:start;max-width:420px}}
.ul-heads h3{display:block;border-bottom:none;padding-bottom:0;text-decoration:underline;text-decoration-color:var(--gold);text-decoration-thickness:2px;text-underline-offset:6px}
.ul-heads h3 a.u{text-decoration:inherit}

/* Oct 26 round 3: bigger section labels, coloured ovals, no card underlines */
.eyebrow{font-size:15px;letter-spacing:.12em;font-weight:500}
.level .tag{font-size:15px}
.badges .badge,#internships .chips .badge{background:#EAF4D6;border:1.5px solid var(--gold);color:var(--navy)}
.card h3 a.u{border-bottom:none}
.card h3 a.u:hover{color:var(--navy)}
@media(max-width:560px){.eyebrow{font-size:13.5px}}
.contact-side{margin-top:8px}