/* CROSSMARK LOSS ADVISORS — base layout, reset, header/footer shared across all pages */
*{box-sizing:border-box}
body{margin:0;font-family:var(--f-sans);background:var(--c-page-bg);color:var(--c-text-strong);-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
h1,h2,h3,h4{font-family:var(--f-serif)}

.btn{display:inline-flex;align-items:center;gap:8px;padding:11px 22px;border-radius:4px;font-size:14px;font-weight:600;border:1px solid transparent;cursor:pointer}
.btn-primary{background:var(--c-teal);color:#fff}
.btn-sm{padding:9px 16px;font-size:13.5px}

/* utility bar above header */
.utility-bar{background:var(--c-teal-soft);padding:8px 0}
.utility-inner{max-width:1200px;margin:0 auto;padding:0 32px;display:flex;justify-content:flex-end;gap:26px}
.utility-inner a{font-size:12.5px;color:var(--c-teal-dark);font-weight:600}

/* header (shared with WF-produced article pages) */
.site-header{position:sticky;top:0;z-index:50;background:var(--c-surface);border-bottom:1px solid var(--c-border)}
.header-inner{max-width:1200px;margin:0 auto;padding:18px 32px;display:flex;align-items:center;justify-content:space-between}
.header-logo{font-family:var(--f-serif);font-size:19px;font-weight:700;color:var(--c-text-strong);letter-spacing:.01em}
.header-nav{display:flex;gap:28px}
.nav-link{font-size:14px;color:var(--c-text-strong);font-weight:600}
.nav-link:hover{color:var(--c-teal)}
.header-actions{display:flex;align-items:center;gap:14px}

/* footer (shared with WF-produced article pages) */
.site-footer{background:var(--c-bg-dark);color:var(--c-text-onDark-muted);padding:56px 0 0}
/* footer-inner / footer-bottom kept simple — reserved for WF-produced article page footer, do not repurpose for homepage multi-column nav */
.footer-inner{max-width:900px;margin:0 auto;padding:24px 32px;text-align:center}
.footer-bottom{max-width:1200px;margin:0 auto;padding:20px 32px;border-top:1px solid rgba(255,255,255,.08);font-size:12.5px;color:var(--c-text-onDark-faint);display:flex;justify-content:space-between;align-items:center}
.footer-bottom p{margin:0}

/* homepage/site-wide multi-column footer nav (separate from footer-inner) */
.footer-nav-inner{max-width:1200px;margin:0 auto;padding:0 32px 44px;display:grid;grid-template-columns:repeat(3,1fr);gap:32px}
.footer-col .footer-h{font-size:15px;font-family:var(--f-serif);color:var(--c-text-onDark);margin-bottom:16px;font-weight:600}
.footer-col a{display:block;font-size:13.5px;color:var(--c-text-onDark-muted);margin-bottom:11px}
.footer-col a:hover{color:var(--c-accent)}
.footer-social{display:flex;gap:12px;align-items:center}
.footer-social a{width:34px;height:34px;border-radius:50%;background:rgba(255,255,255,.08);display:flex;align-items:center;justify-content:center}

@media (max-width:900px){
  .header-nav{display:none}
  .utility-inner{justify-content:center;flex-wrap:wrap;gap:14px}
  .footer-nav-inner{grid-template-columns:1fr}
  .footer-bottom{flex-direction:column;gap:10px;text-align:center}
}