:root{
  /* --- Brand palette (Capstone Wealth Brand Guidelines) --- */
  --rich-ocean:#002D4F;   /* primary navy */
  --fine-gold:#A78A29;    /* accent gold */
  --light-sky:#E1ECF8;    /* soft section background */
  --cool-gray:#E2E3E7;    /* card fills, hairlines */
  --white:#FFFFFF;

  /* --- Rich Ocean tints (navy mixed with white) --- */
  --ocean-800:#00263F;    /* navy + 10% black — button hover */
  --ocean-900:#001E33;    /* navy + 20% black — button press */
  --ocean-60:#66849F;     /* 60% white */
  --ocean-40:#99ABBF;     /* 40% */
  --ocean-20:#CCD5DF;     /* 20% */
  --ocean-08:#EBEEF2;
  --sky-300:#C6DBF1;      /* light sky + navy — button hover */
  --sky-400:#AFCBEA;      /* press */

  /* --- Fine Gold tints/shades --- */
  --gold-800:#967C25;     /* hover */
  --gold-900:#86701F;     /* press */
  --gold-40:#D2C4A8;
  --gold-20:#EDE8DC;

  /* --- Neutrals --- */
  --ink:#002D4F;          /* body text is navy, never pure black */
  --ink-muted:#4A5D6E;
  --ink-subtle:#6E7F8C;
  --hairline:#E2E3E7;
  --hairline-strong:#C9CDD3;

  /* --- Semantic aliases --- */
  --surface-page:var(--white);
  --surface-alt:var(--light-sky);
  --surface-card:var(--white);
  --surface-card-muted:var(--cool-gray);
  --surface-inverse:var(--rich-ocean);

  --text-heading:var(--rich-ocean);
  --text-body:var(--ink-muted);
  --text-eyebrow:var(--fine-gold);
  --text-on-inverse:var(--white);
  --text-on-inverse-muted:var(--ocean-40);
  --text-accent:var(--fine-gold);

  --border-subtle:var(--hairline);
  --border-strong:var(--hairline-strong);
  --border-on-inverse:rgba(255,255,255,.32);

  --action-primary-bg:var(--light-sky);
  --action-primary-fg:var(--rich-ocean);
  --action-primary-bg-hover:var(--sky-300);
  --action-primary-bg-active:var(--sky-400);
  --action-navy-bg:var(--rich-ocean);
  --action-navy-fg:var(--white);
  --action-navy-bg-hover:var(--ocean-800);
  --action-navy-bg-active:var(--ocean-900);
  --action-outline-fg:var(--white);
  --action-outline-border:rgba(255,255,255,.7);
  --focus-ring:var(--fine-gold);

  --icon-circle-bg:var(--rich-ocean);
  --icon-circle-fg:var(--white);
  --icon-circle-bg-inverse:rgba(255,255,255,.1);
  --icon-circle-fg-inverse:var(--fine-gold);
}