/* Skin "ledger" (accountants): quiet and text-led. Near-white page, navy ink, one green; a contents list on the left
   that follows you, a narrow reading column, fees in a proper table. Motion: colour changes and the contents marker only. */
.skin-ledger {
  --t: 180ms;
  --ease: cubic-bezier(.25, .1, .25, 1);
  --rule: 1px solid var(--line);
  --measure: 40rem;
  font-size: 17.5px;
}
.skin-ledger h1 { font-size: clamp(2.3rem, 4.6vw, 3.6rem); line-height: 1.08; font-weight: 600; }
.skin-ledger main h2 { font-size: clamp(1.7rem, 2.6vw, 2.2rem); line-height: 1.15; }
.skin-ledger h3 { font-family: var(--font-body); font-weight: 700; font-size: 1.05rem; letter-spacing: 0; }
.skin-ledger .k-eyebrow { font: 600 13px/1.4 var(--font-body); letter-spacing: .12em; color: var(--accent); margin-bottom: 10px; }
.skin-ledger .k-intro { font-size: 1.05rem; }

/* Buttons and links: calm, no lift */
.skin-ledger .k-btn { border-radius: 2px; font-weight: 600; transition: background var(--t) var(--ease), color var(--t) var(--ease), border-color var(--t) var(--ease); }
.skin-ledger .k-btn:hover { transform: none; }
.skin-ledger .k-btn.primary:hover { background: var(--accent); }
.skin-ledger .k-btn.ghost { border-width: 1px; }
.skin-ledger .k-btn.ghost:hover { background: var(--alt); }
.skin-ledger .k-btn:active { background: var(--text); color: var(--bg); }

/* Header: thin and still */
.skin-ledger .k-header { background: color-mix(in srgb, var(--bg) 94%, transparent); }
.skin-ledger .k-head { min-height: 64px; }
.skin-ledger .k-brand { font-size: 19px; }
.skin-ledger .k-mark { border-radius: 2px; width: 34px; height: 34px; }
.skin-ledger .k-nav { gap: 26px; }
.skin-ledger .k-nav a:not(.k-btn) { color: var(--muted); transition: color var(--t) var(--ease); }
.skin-ledger .k-nav a:not(.k-btn):hover { color: var(--text); text-decoration: none; }

/* Hero: words only, a statement and the terms beside it */
.skin-ledger .ia-hero { background: var(--bg); color: var(--text); padding: clamp(56px, 9vw, 120px) 0 clamp(40px, 6vw, 72px); }
.ia-hero-grid { display: grid; grid-template-columns: 1.3fr 1fr; gap: clamp(32px, 6vw, 96px); align-items: end; }
.ia-hero .k-eyebrow { color: var(--accent); opacity: 1; }
.ia-hero h1 { margin: 0; max-width: 15em; }
.ia-hero-side .k-lead { font-size: 1.1rem; color: var(--muted); }
.ia-points { list-style: none; margin: 26px 0 0; padding: 0; border-top: var(--rule); }
.ia-points li { padding: 10px 0; border-bottom: var(--rule); font-weight: 600; font-size: 15px; display: flex; justify-content: space-between; }
.ia-points li::after { content: "✓"; color: var(--accent); }
@media (max-width: 860px) { .ia-hero-grid { grid-template-columns: 1fr; } }

/* Trust: one ruled line */
.skin-ledger .k-trust { background: var(--bg); color: var(--muted); padding: 0; }
.skin-ledger .k-trust .k-wrap { border-top: var(--rule); border-bottom: var(--rule); padding-top: 14px; padding-bottom: 14px; }
.skin-ledger .k-trust ul { justify-content: flex-start; gap: 6px 36px; font-weight: 500; font-size: 14px; }
.skin-ledger .k-trust li::before { content: "—"; color: var(--accent); }

/* The page body: contents on the left, reading column on the right */
.ia-layout { display: grid; grid-template-columns: 220px minmax(0, 1fr); gap: clamp(32px, 6vw, 96px); padding-top: clamp(40px, 6vw, 72px); padding-bottom: clamp(48px, 7vw, 96px); align-items: start; }
.k-toc { position: sticky; top: 104px; font-size: 15px; }
.has-bar .k-toc { top: calc(var(--bar) + 88px); }
.ia-toc-title { font: 600 12px/1.4 var(--font-body); letter-spacing: .14em; text-transform: uppercase; color: var(--muted); margin: 0 0 12px; }
.k-toc ol { list-style: none; margin: 0; padding: 0; border-left: var(--rule); counter-reset: toc; }
.k-toc li { counter-increment: toc; }
.k-toc a { display: block; padding: 7px 0 7px 18px; text-decoration: none; color: var(--muted); transition: color var(--t) var(--ease); }
.k-toc a::before { content: counter(toc) ". "; font-variant-numeric: tabular-nums; }
.k-toc a:hover, .k-toc a[aria-current] { color: var(--text); }
.k-toc a[aria-current] { font-weight: 600; }
.k-toc { --marker-y: 0px; --marker-h: 0px; }
.k-toc-marker { position: absolute; left: 0; top: 0; width: 3px; height: var(--marker-h); background: var(--accent); transform: translateY(var(--marker-y)); transition: transform 260ms var(--ease); }
@media (max-width: 900px) {
  .ia-layout { grid-template-columns: 1fr; padding-top: 24px; }
  .k-toc { display: none; }
}

.ia-col { max-width: 46rem; }
.ia-col .k-sec { padding: 0 0 clamp(48px, 6vw, 72px); margin-bottom: clamp(48px, 6vw, 72px); border-bottom: var(--rule); background: none; color: inherit; }
.ia-col .k-sec:last-child { border-bottom: 0; margin-bottom: 0; }
.ia-col .k-wrap { padding: 0; max-width: none; }
.ia-col .k-sec-head { margin-bottom: 24px; }
.ia-col p, .ia-col .ia-list { max-width: var(--measure); }

/* Fees table */
.ia-fees { width: 100%; border-collapse: collapse; font-size: 16px; }
.ia-fees th, .ia-fees td { text-align: left; vertical-align: top; padding: 16px 16px 16px 0; border-bottom: var(--rule); }
.ia-fees thead th { font: 600 12px/1.4 var(--font-body); letter-spacing: .12em; text-transform: uppercase; color: var(--muted); border-bottom: 2px solid var(--text); padding-top: 0; }
.ia-fees tbody th { font-weight: 700; width: 30%; }
.ia-fees td { color: var(--muted); }
.ia-fees tbody tr:last-child > * { border-bottom: 0; }
.ia-fees .ia-fee { text-align: right; white-space: nowrap; padding-right: 0; color: var(--text); font-weight: 600; font-variant-numeric: tabular-nums lining-nums; }
@media (max-width: 640px) {
  .ia-fees thead { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
  .ia-fees tr { display: grid; grid-template-columns: 1fr auto; padding: 14px 0; border-bottom: var(--rule); }
  .ia-fees th, .ia-fees td { border: 0; padding: 0; width: auto; }
  .ia-fees td:not(.ia-fee) { grid-column: 1 / -1; grid-row: 2; margin-top: 4px; font-size: 15px; }
}

/* Who we help */
.ia-list { list-style: none; margin: 20px 0 28px; padding: 0; columns: 2; column-gap: 32px; }
.ia-list li { padding: 8px 0 8px 22px; position: relative; break-inside: avoid; }
.ia-list li::before { content: "—"; position: absolute; left: 0; color: var(--accent); }
.ia-media img { width: 100%; aspect-ratio: 16 / 7; object-fit: cover; border-radius: 2px; filter: saturate(.7); }
@media (max-width: 560px) { .ia-list { columns: 1; } }

/* Steps: numbered paragraphs with numerals in the margin */
.ia-steps { list-style: none; margin: 0; padding: 0; counter-reset: step; }
.ia-steps li { counter-increment: step; display: grid; grid-template-columns: 56px 1fr; column-gap: 8px; padding: 16px 0; border-top: var(--rule); }
.ia-steps li::before { content: counter(step); grid-row: span 2; font: italic 400 2.2rem/1 var(--font-head); color: var(--accent); }
.ia-steps h3 { margin: 4px 0 4px; }
.ia-steps p { margin: 0; color: var(--muted); }

/* Team: a plain list */
.ia-team { margin: 0; border-top: var(--rule); }
.ia-team div { display: grid; grid-template-columns: 140px 1fr; gap: 4px 24px; padding: 16px 0; border-bottom: var(--rule); }
.ia-team dt { font: 600 1.35rem/1.2 var(--font-head); }
.ia-team dd { margin: 0; color: var(--muted); }
.ia-role { display: block; color: var(--text); font-weight: 600; }
@media (max-width: 560px) { .ia-team div { grid-template-columns: 1fr; } }

/* Reviews: quoted letters */
.k-review:where(.ia-quote) { background: none; border: 0; border-radius: 0; padding: 0; color: inherit; }
.ia-quotes { display: grid; gap: 28px; }
.ia-quote { margin: 0; padding-left: 24px; border-left: 2px solid var(--accent); }
.ia-quote blockquote { margin: 0 0 8px; font: italic 400 1.35rem/1.45 var(--font-head); }
.ia-quote figcaption { font-size: 15px; color: var(--muted); }

/* FAQ and form */
.skin-ledger .k-faq summary { font-size: 1.05rem; }
.skin-ledger .k-faq summary:hover { color: var(--accent); }
.skin-ledger .ia-col .k-split { grid-template-columns: 1fr; gap: 24px; }
.skin-ledger .k-form { border-radius: 2px; background: var(--surface); }
.skin-ledger .k-field input, .skin-ledger .k-field select, .skin-ledger .k-field textarea { border-radius: 2px; border: 1px solid var(--muted); }

/* Footer */
.skin-ledger .k-mark { font-family: var(--font-head); }

@media (prefers-reduced-motion: reduce) { .k-toc-marker { transition: none; } }