/* ---------------------------------------------------------------
   MH Credit Advisory — mh-business.net
   Type:  Spectral (text), IBM Plex Sans (structure, figures)
   Light palette: warm ivory page, deeper ivory bands, navy ink,
   brass accent. Layout and typography unchanged.
   ------------------------------------------------------------ */

:root{
  --ink:        #0F2436;
  --ink-deep:   #0A1926;
  --ink-soft:   #46596B;
  --paper:      #FBFAF7;
  --band:       #F2EEE4;
  --band-soft:  #F7F4ED;
  --rule:       #D6D3CA;
  --rule-band:  #DCD4C4;
  --brass:      #7F6229;
  --brass-lit:  #C9A961;

  --serif: "Spectral", Georgia, "Times New Roman", serif;
  --sans:  "IBM Plex Sans", system-ui, -apple-system, "Segoe UI", sans-serif;

  --measure: 34rem;
  --gutter: 1.5rem;
}

*,*::before,*::after{ box-sizing:border-box; }

html{ -webkit-text-size-adjust:100%; scroll-behavior:smooth; }

body{
  margin:0;
  background:var(--paper);
  color:var(--ink);
  font-family:var(--serif);
  font-size:1.0625rem;
  font-weight:400;
  line-height:1.68;
  -webkit-font-smoothing:antialiased;
}

img{ max-width:100%; display:block; }

a{ color:inherit; }

:focus-visible{
  outline:2px solid var(--brass);
  outline-offset:3px;
}

.skip{
  position:absolute; top:-10rem; inset-inline-start:1rem;
  background:var(--ink); color:var(--paper);
  padding:.7rem 1.1rem; font-family:var(--sans); font-size:.9rem;
}
.skip:focus{ top:1rem; z-index:50; }

.wrap{
  width:100%;
  max-width:68rem;
  margin-inline:auto;
  padding-inline:var(--gutter);
}

/* ---------------------------------------------------------------
   Masthead
   ------------------------------------------------------------ */

.masthead{
  background:var(--paper);
  color:var(--ink);
  border-bottom:1px solid var(--rule);
}

.masthead__inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:1.5rem;
  flex-wrap:wrap;
  padding-block:1rem;
}

.wordmark{
  display:flex;
  align-items:center;
  gap:.85rem;
  text-decoration:none;
}

.monogram{
  display:flex;
  align-items:center;
  justify-content:center;
  width:2.9rem; height:2.9rem;
  border:1px solid var(--brass);
  font-family:var(--serif);
  font-size:1.2rem;
  line-height:1;
  letter-spacing:.01em;
  white-space:nowrap;
  flex:none;
}
.monogram b{ font-weight:500; color:var(--ink); }
.monogram i{ font-weight:500; font-style:normal; color:var(--brass); }

.wordmark__text{ display:flex; flex-direction:column; line-height:1.25; }
.wordmark__name{ font-size:1.15rem; font-weight:500; }
.wordmark__sub{
  font-family:var(--sans);
  font-size:.78rem;
  letter-spacing:.04em;
  color:var(--ink-soft);
}

.nav{
  display:flex;
  gap:1.6rem;
  flex-wrap:wrap;
  font-family:var(--sans);
  font-size:.88rem;
}
.nav a{
  text-decoration:none;
  color:var(--ink-soft);
  padding-block:.25rem;
  border-bottom:1px solid transparent;
  transition:color .15s ease, border-color .15s ease;
}
.nav a:hover{ color:var(--ink); border-bottom-color:var(--brass); }

/* ---------------------------------------------------------------
   Hero
   ------------------------------------------------------------ */

.hero{
  background:var(--paper);
  color:var(--ink);
  padding-block:5rem 5.5rem;
}

.hero__grid{
  display:grid;
  grid-template-columns:minmax(0,1fr) 18.5rem;
  gap:3.5rem;
  align-items:center;
}

.portrait{
  margin:0;
  align-self:center;
}
.portrait img{
  width:100%;
  height:auto;
  border:1px solid var(--rule);
  filter:saturate(.92) contrast(1.02);
}
.portrait figcaption{
  margin-top:.85rem;
  font-family:var(--sans);
  font-size:.82rem;
  line-height:1.45;
  color:var(--ink-soft);
  border-top:1px solid var(--rule);
  padding-top:.7rem;
}

.hero__place{
  margin:0 0 2rem;
  font-family:var(--sans);
  font-size:.86rem;
  letter-spacing:.05em;
  color:var(--brass);
}

.hero__line{
  margin:0;
  max-width:19ch;
  font-size:clamp(2.4rem, 6.4vw, 4.1rem);
  font-weight:300;
  line-height:1.08;
  letter-spacing:-.018em;
}

.hero__body{
  margin:2rem 0 0;
  max-width:var(--measure);
  font-size:1.1rem;
  line-height:1.72;
  color:var(--ink-soft);
}

.hero__actions{
  display:flex;
  flex-wrap:wrap;
  gap:.8rem;
  margin:2.6rem 0 0;
}

.btn{
  display:inline-block;
  font-family:var(--sans);
  font-size:.92rem;
  font-weight:500;
  text-decoration:none;
  padding:.85rem 1.6rem;
  background:var(--ink);
  color:var(--paper);
  border:1px solid var(--ink);
  transition:background .15s ease, color .15s ease, border-color .15s ease;
}
.btn:hover{ background:var(--ink-deep); border-color:var(--ink-deep); }

.btn--quiet{
  background:transparent;
  color:var(--ink);
  border-color:var(--rule);
}
.btn--quiet:hover{ background:transparent; color:var(--brass); border-color:var(--brass); }

/* ---------------------------------------------------------------
   Sections
   ------------------------------------------------------------ */

.section{ padding-block:5rem; }

.section--tint{
  background:var(--band-soft);
  border-block:1px solid var(--rule-band);
}

.section--dark{
  background:var(--band);
  color:var(--ink);
  border-block:1px solid var(--rule-band);
}

.section__head{
  margin:0 0 2.2rem;
  padding-bottom:.9rem;
  border-bottom:1px solid var(--rule);
  font-size:1.05rem;
  font-weight:500;
  font-family:var(--sans);
  letter-spacing:.02em;
  color:var(--ink-soft);
}
.section__head--light{
  border-bottom-color:var(--rule-band);
  color:var(--brass);
}

.lede{
  max-width:var(--measure);
  margin:0 0 3rem;
  font-size:1.22rem;
  font-weight:300;
  line-height:1.6;
}

/* ---------------------------------------------------------------
   Services
   ------------------------------------------------------------ */

.offer{ margin:0; }

.offer__item{
  display:grid;
  grid-template-columns:15rem 1fr;
  gap:2rem;
  padding-block:1.9rem;
  border-top:1px solid var(--rule);
}
.offer__item:last-child{ border-bottom:1px solid var(--rule); }

.offer dt{
  font-size:1.12rem;
  font-weight:500;
  line-height:1.35;
}
.offer dd{
  margin:0;
  max-width:var(--measure);
  color:var(--ink-soft);
}

/* ---------------------------------------------------------------
   Figures
   ------------------------------------------------------------ */

.figures{
  list-style:none;
  margin:0 0 3.2rem;
  padding:0;
  display:grid;
  grid-template-columns:repeat(auto-fit, minmax(13rem, 1fr));
  gap:2.4rem 2rem;
}

.figures li{
  border-top:2px solid var(--brass);
  padding-top:1.1rem;
}

.figures__value{
  display:block;
  font-family:var(--sans);
  font-size:2.6rem;
  font-weight:400;
  line-height:1.1;
  color:var(--ink);
  letter-spacing:-.012em;
}
.figures__unit{
  font-size:1.05rem;
  margin-left:.22em;
  color:var(--brass);
}

.figures__label{
  display:block;
  margin-top:.65rem;
  font-size:.99rem;
  line-height:1.5;
  color:var(--ink-soft);
}

.notes{
  max-width:44rem;
  border-left:2px solid var(--brass);
  padding-left:1.6rem;
}
.notes p{
  margin:0 0 1.1rem;
  color:var(--ink-soft);
}
.notes p:last-child{ margin-bottom:0; }

/* ---------------------------------------------------------------
   Experience ledger
   ------------------------------------------------------------ */

.ledger{
  list-style:none;
  margin:0;
  padding:0;
}

.ledger__row{
  display:grid;
  grid-template-columns:9rem 1fr;
  gap:2rem;
  padding-block:2.2rem;
  border-top:1px solid var(--rule);
}
.ledger__row:last-child{ border-bottom:1px solid var(--rule); }

.ledger__when{
  margin:0;
  font-family:var(--sans);
  font-size:.92rem;
  color:var(--ink-soft);
  display:flex;
  flex-direction:column;
  gap:.15rem;
}
.ledger__when span + span::before{
  content:"";
  display:block;
  width:1.4rem;
  height:1px;
  background:var(--rule);
  margin:.45rem 0;
}
.ledger__now{ color:var(--brass); }

.ledger__what h3{
  margin:0;
  font-size:1.22rem;
  font-weight:500;
  line-height:1.3;
}
.ledger__org{
  margin:.25rem 0 1rem;
  font-family:var(--sans);
  font-size:.92rem;
  color:var(--ink-soft);
}
.ledger__what ul{
  margin:0;
  padding-left:1.15rem;
  max-width:44rem;
  color:var(--ink-soft);
}
.ledger__what li{ margin-bottom:.5rem; }
.ledger__what li::marker{ color:var(--brass); }

/* ---------------------------------------------------------------
   Background columns
   ------------------------------------------------------------ */

.cols{
  display:grid;
  grid-template-columns:repeat(auto-fit, minmax(13rem, 1fr));
  gap:2.6rem 2.2rem;
}

.cols__head{
  margin:0 0 .8rem;
  padding-bottom:.55rem;
  border-bottom:1px solid var(--rule);
  font-family:var(--sans);
  font-size:.86rem;
  font-weight:500;
  letter-spacing:.03em;
  color:var(--brass);
}

.cols p{ margin:0 0 .8rem; color:var(--ink-soft); font-size:1rem; }
.cols__lead{ color:var(--ink) !important; font-weight:500; }
.cols__note{ font-size:.94rem; font-style:italic; }

.plain{
  list-style:none;
  margin:0; padding:0;
  color:var(--ink-soft);
  font-size:1rem;
}
.plain li{
  padding-block:.4rem;
  border-bottom:1px solid rgba(15,36,54,.09);
}
.plain li:last-child{ border-bottom:0; }

/* ---------------------------------------------------------------
   Contact
   ------------------------------------------------------------ */

.contact__lede{
  max-width:var(--measure);
  margin:0 0 2.6rem;
  font-size:1.18rem;
  font-weight:300;
  line-height:1.6;
  color:var(--ink-soft);
}

.contact__list{
  list-style:none;
  margin:0; padding:0;
  max-width:44rem;
}
.contact__list li{
  display:grid;
  grid-template-columns:8rem 1fr;
  gap:1rem;
  padding-block:1rem;
  border-top:1px solid var(--rule-band);
  align-items:baseline;
}
.contact__list li:last-child{ border-bottom:1px solid var(--rule-band); }

.contact__key{
  font-family:var(--sans);
  font-size:.85rem;
  letter-spacing:.03em;
  color:var(--ink-soft);
}
.contact__list a{
  color:var(--brass);
  text-decoration:none;
  border-bottom:1px solid rgba(142,113,54,.4);
  overflow-wrap:anywhere;
}
.contact__list a:hover{ border-bottom-color:var(--brass); }

/* ---------------------------------------------------------------
   Footer
   ------------------------------------------------------------ */

.foot{
  background:var(--band);
  color:var(--ink-soft);
  border-top:1px solid var(--rule-band);
  font-family:var(--sans);
  font-size:.85rem;
}
.foot__inner{
  display:flex;
  flex-wrap:wrap;
  justify-content:space-between;
  gap:.5rem 1.5rem;
  padding-block:1.8rem;
}
.foot p{ margin:0; }
.foot a{ color:var(--ink-soft); text-decoration:none; }
.foot a:hover{ color:var(--brass); }

/* ---------------------------------------------------------------
   Narrow screens
   ------------------------------------------------------------ */

@media (max-width: 52rem){
  .hero__grid{
    grid-template-columns:1fr;
    gap:2.5rem;
  }
  .portrait{
    max-width:13rem;
    order:-1;
  }
}

@media (max-width: 46rem){
  .section{ padding-block:3.5rem; }
  .hero{ padding-block:3.2rem 4rem; }
  .hero__line{ max-width:100%; }

  .offer__item,
  .ledger__row{
    grid-template-columns:1fr;
    gap:.8rem;
  }
  .ledger__when{
    flex-direction:row;
    align-items:center;
    gap:.5rem;
  }
  .ledger__when span + span::before{
    width:1rem;
    margin:0 .1rem;
  }
  .contact__list li{ grid-template-columns:1fr; gap:.2rem; }
  .masthead__inner{ padding-block:.9rem; }
  .nav{ gap:1.1rem; font-size:.84rem; }
}

@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior:auto; }
  *{ transition-duration:.01ms !important; animation-duration:.01ms !important; }
}

/* ---------------------------------------------------------------
   SME client page additions (September 2026)
   ------------------------------------------------------------ */

.nav{ align-items:center; }
.nav .nav__aside{
  color:var(--brass);
  padding-left:1.6rem;
  border-left:1px solid var(--rule);
}
.nav .nav__aside:hover{ border-bottom-color:transparent; color:var(--ink); }

/* WhatsApp button */
.btn--wa{
  display:inline-flex;
  align-items:center;
  gap:.6rem;
}
.wa-icon{
  width:1.15rem; height:1.15rem;
  fill:var(--brass-lit);
  flex:none;
}
.btn--small{ padding:.55rem 1rem; font-size:.84rem; }

/* Why declined */
.reasons{
  list-style:none;
  margin:0; padding:0;
  display:grid;
  grid-template-columns:repeat(auto-fit, minmax(15rem, 1fr));
  gap:2.4rem 2.2rem;
}
.reasons li{
  border-top:2px solid var(--brass);
  padding-top:1.1rem;
}
.reasons h3{
  margin:0 0 .6rem;
  font-size:1.2rem;
  font-weight:500;
  line-height:1.3;
}
.reasons p{ margin:0; color:var(--ink-soft); }

/* How it works */
.how{
  display:grid;
  grid-template-columns:minmax(0,1fr) 19rem;
  gap:3.5rem;
  align-items:start;
}
.steps{
  list-style:none;
  margin:0; padding:0;
  counter-reset:step;
}
.steps li{
  counter-increment:step;
  display:grid;
  grid-template-columns:3.2rem 1fr;
  column-gap:1rem;
  padding-block:1.35rem;
  border-top:1px solid var(--rule);
}
.steps li:last-child{ border-bottom:1px solid var(--rule); }
.steps li::before{
  content:counter(step);
  grid-row:1 / span 2;
  font-family:var(--serif);
  font-size:2rem;
  font-weight:300;
  line-height:1;
  color:var(--brass);
}
.steps h3{
  margin:0 0 .3rem;
  font-size:1.12rem;
  font-weight:500;
  line-height:1.35;
}
.steps p{ margin:0; max-width:var(--measure); color:var(--ink-soft); }

.terms{
  position:sticky;
  top:1.5rem;
  margin-top:3.9rem;
  background:var(--paper);
  border:1px solid var(--rule-band);
  border-top:2px solid var(--brass);
  padding:1.5rem 1.5rem .6rem;
}
.terms h3{
  margin:0 0 1rem;
  font-family:var(--sans);
  font-size:.95rem;
  font-weight:600;
}
.terms p{
  margin:0 0 .9rem;
  padding-bottom:.9rem;
  border-bottom:1px solid rgba(15,36,54,.09);
  font-size:1rem;
  line-height:1.55;
  color:var(--ink-soft);
}
.terms p:last-child{ border-bottom:0; }

/* FAQ */
.faq{ max-width:48rem; }
.faq details{ border-top:1px solid var(--rule); }
.faq details:last-child{ border-bottom:1px solid var(--rule); }
.faq summary{
  cursor:pointer;
  list-style:none;
  display:flex;
  justify-content:space-between;
  gap:1.5rem;
  padding-block:1.2rem;
  font-size:1.12rem;
  font-weight:500;
  line-height:1.4;
}
.faq summary::-webkit-details-marker{ display:none; }
.faq summary::after,
.ledger__row summary::after{
  content:"+";
  font-family:var(--sans);
  font-weight:400;
  font-size:1.35rem;
  line-height:1;
  color:var(--brass);
  flex:none;
}
.faq details[open] summary::after,
.ledger__row[open] summary::after{ content:"−"; }
.faq details p{
  margin:0 0 1.4rem;
  max-width:var(--measure);
  color:var(--ink-soft);
}

/* Expandable experience ledger */
.exp__head{
  display:flex;
  align-items:flex-end;
  justify-content:space-between;
  gap:1rem;
  flex-wrap:wrap;
  margin-bottom:2.2rem;
  border-bottom:1px solid var(--rule);
}
.exp__head .section__head{ margin:0; border:0; flex:1; }
.exp__head .btn{ margin-bottom:.7rem; }
.exp__hint{
  margin:0 0 1rem;
  font-family:var(--sans);
  font-size:.84rem;
  color:var(--ink-soft);
}

.ledger > li{ border-top:1px solid var(--rule); }
.ledger > li:last-child{ border-bottom:1px solid var(--rule); }
.ledger__row{
  display:block;
  padding-block:0;
  border:0;
}
.ledger__row:last-child{ border:0; }
.ledger__row summary{
  cursor:pointer;
  list-style:none;
  display:grid;
  grid-template-columns:9.5rem 1fr auto;
  gap:2rem;
  align-items:start;
  padding-block:1.5rem;
}
.ledger__row summary::-webkit-details-marker{ display:none; }
.ledger__row summary:hover .ledger__title{ color:var(--brass); }
.ledger__title{
  display:block;
  font-size:1.22rem;
  font-weight:500;
  line-height:1.3;
  transition:color .15s ease;
}
.ledger__what .ledger__org{ display:block; margin:.25rem 0 0; }
.ledger__detail{
  margin:-.4rem 0 1.8rem calc(9.5rem + 2rem);
  padding-left:1.15rem;
  max-width:44rem;
  color:var(--ink-soft);
}
.ledger__detail li{ margin-bottom:.5rem; }
.ledger__detail li::marker{ color:var(--brass); }

.cols--after{ margin-top:3.5rem; }

/* Contact */
.contact__title{
  margin:0 0 1rem;
  font-size:clamp(1.9rem, 4.4vw, 2.8rem);
  font-weight:300;
  line-height:1.15;
  letter-spacing:-.012em;
  max-width:22ch;
}
.contact__cta{ margin:0 0 2.6rem; }

/* Fixed WhatsApp bar on phones */
.wa-bar{ display:none; }

@media (max-width: 52rem){
  .how{ grid-template-columns:1fr; gap:2rem; }
  .terms{ position:static; margin-top:0; }
}

@media (max-width: 46rem){
  .nav .nav__aside{ padding-left:0; border-left:0; }
  .ledger__row summary{ grid-template-columns:1fr auto; gap:.4rem 1rem; }
  .ledger__row summary .ledger__when{ grid-column:1 / -1; }
  .ledger__row summary .ledger__what{ grid-column:1; }
  .ledger__detail{ margin-left:0; }
  .steps li{ grid-template-columns:2.4rem 1fr; }

  body{ padding-bottom:4.2rem; }
  .wa-bar{
    display:flex;
    align-items:center;
    justify-content:center;
    gap:.6rem;
    position:fixed;
    left:0; right:0; bottom:0;
    z-index:40;
    padding:1rem;
    padding-bottom:calc(1rem + env(safe-area-inset-bottom));
    background:var(--ink);
    color:var(--paper);
    font-family:var(--sans);
    font-size:.98rem;
    font-weight:500;
    text-decoration:none;
    border-top:1px solid var(--brass);
  }
}

/* ---------------------------------------------------------------
   Language switch and Arabic (right-to-left) page
   ------------------------------------------------------------ */

.nav .lang{
  color:var(--ink);
  border:1px solid var(--rule);
  padding:.2rem .75rem;
  font-family:"IBM Plex Sans Arabic", var(--sans);
}
.nav .lang:hover{ border-color:var(--brass); color:var(--brass); }
.nav .lang[lang="en"]{ font-family:var(--sans); }

html[dir="rtl"]{
  --serif: "Spectral", "Noto Naskh Arabic", Georgia, serif;
  --sans:  "IBM Plex Sans", "IBM Plex Sans Arabic", system-ui, "Segoe UI", Tahoma, sans-serif;
}
html[dir="rtl"] body{ line-height:1.9; font-size:1.1rem; }
html[dir="rtl"] *{ letter-spacing:0 !important; }

html[dir="rtl"] .hero__line{
  font-weight:500;
  line-height:1.4;
  max-width:16ch;
  font-size:clamp(2.2rem, 5.6vw, 3.7rem);
}
html[dir="rtl"] .hero__body{ line-height:1.95; }
html[dir="rtl"] .lede,
html[dir="rtl"] .contact__lede{ font-weight:400; line-height:1.9; }
html[dir="rtl"] .contact__title{ font-weight:500; line-height:1.45; }
html[dir="rtl"] .steps li::before{ font-weight:400; }
html[dir="rtl"] .cols__note{ font-style:normal; }
html[dir="rtl"] .section__head{ font-size:1.12rem; }

html[dir="rtl"] .nav .nav__aside{
  padding-left:0; border-left:0;
  padding-right:1.6rem; border-right:1px solid var(--rule);
}
html[dir="rtl"] .figures__unit{ margin-left:0; margin-right:.35em; font-family:var(--sans); }
html[dir="rtl"] .ledger__detail{
  margin-left:0;
  margin-right:calc(9.5rem + 2rem);
  padding-left:0;
  padding-right:1.15rem;
}
html[dir="rtl"] .wordmark__sub{ text-align:right; }

@media (max-width: 46rem){
  html[dir="rtl"] .nav .nav__aside{ padding-right:0; border-right:0; }
  html[dir="rtl"] .ledger__detail{ margin-right:0; }
}