/* ============================================================
   WealthBox Financial Services Inc. — Design System
   Palette derived from the WealthBox logo:
   navy #032A5D · gold #CA9D43 · slate #2A343F
   Type: Fraunces (display serif) + Inter (UI sans)
   ============================================================ */

:root {
  /* Brand */
  --navy-950: #021D42;
  --navy-900: #032A5D;
  --navy-800: #063268;
  --navy-700: #0D417E;
  --navy-600: #1A55A0;
  --navy-100: #DCE6F2;
  --navy-50:  #EEF3F9;
  --gold-600: #CA9D43;
  --gold-700: #A97F2C;
  --gold-800: #8A671F;
  --gold-100: #F5EBD4;
  --gold-50:  #FAF5E8;
  --slate-900: #2A343F;
  --slate-600: #51606F;

  /* Neutrals */
  --ink:    #1F2933;
  --muted:  #5A6878;
  --paper:  #FFFFFF;
  --mist:   #F5F7FA;
  --mist-2: #EDF1F6;
  --line:   #E1E7EF;
  --line-2: #CBD4DF;

  /* Semantic */
  --error:  #A8342A;
  --error-bg: #FBF0EF;
  --success: #2F7D53;
  --success-bg: #ECF6F0;

  /* Elevation */
  --shadow-sm: 0 1px 2px rgba(3, 29, 66, 0.06), 0 1px 6px rgba(3, 29, 66, 0.05);
  --shadow-md: 0 2px 6px rgba(3, 29, 66, 0.06), 0 10px 24px rgba(3, 29, 66, 0.08);
  --shadow-lg: 0 4px 12px rgba(3, 29, 66, 0.08), 0 24px 48px rgba(3, 29, 66, 0.12);

  /* Shape */
  --r-sm: 8px;
  --r-md: 12px;
  --r-lg: 16px;
  --r-xl: 24px;

  --header-h: 76px;
  --font-serif: "Fraunces", Georgia, "Times New Roman", serif;
  --font-sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

/* ---------- Reset / base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: 0.01ms !important; animation-iteration-count: 1 !important; transition-duration: 0.01ms !important; }
}
body {
  margin: 0;
  overflow-x: clip; /* guarantee zero horizontal scroll at every width; clip does not break position:sticky */
  font-family: var(--font-sans);
  font-size: 1rem;
  line-height: 1.65;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg, video { display: block; max-width: 100%; height: auto; }
[hidden] { display: none !important; } /* author display rules must never resurrect [hidden] elements (blog filter, panels) */
img { height: auto; }
input, select, textarea, button { font: inherit; color: inherit; }
h1, h2, h3, h4 {
  font-family: var(--font-serif);
  font-weight: 600;
  line-height: 1.15;
  letter-spacing: -0.015em;
  color: var(--navy-900);
  margin: 0 0 0.6em;
  text-wrap: balance;
}
p { margin: 0 0 1em; }
a { color: var(--navy-700); text-decoration-thickness: 1.5px; text-underline-offset: 3px; }
a:hover { color: var(--navy-900); }
ul, ol { margin: 0; padding: 0; list-style: none; }
:focus-visible {
  outline: 3px solid var(--gold-600);
  outline-offset: 2px;
  border-radius: 4px;
}
.section--navy :focus-visible, .calc-results :focus-visible, .drawer :focus-visible { outline-color: var(--gold-600); }

/* ---------- Layout utilities ---------- */
.container { width: min(1160px, 100% - 48px); margin-inline: auto; }
.section { padding-block: clamp(64px, 9vw, 112px); }
.section--mist { background: var(--mist); }
.section--mist2 { background: var(--mist-2); }
.section--navy {
  background: var(--navy-900);
  color: #E8EEF6;
  position: relative;
}
.section--navy h1, .section--navy h2, .section--navy h3 { color: #FFFFFF; }
.section--navy .kicker { color: #E3C87E; }
.section--navy p { color: #C4D1E2; }
.section--tight { padding-block: clamp(48px, 6vw, 72px); }

.section-head { max-width: 720px; margin-bottom: clamp(36px, 5vw, 56px); }
.section-head--center { margin-inline: auto; text-align: center; }
.section-head h2 { font-size: clamp(1.75rem, 3.2vw, 2.5rem); }
.section-head .lead { font-size: 1.075rem; color: var(--muted); }
.section--navy .section-head .lead { color: #B9C8DB; }

.kicker {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-800);
  margin-bottom: 14px;
}
.kicker::before { content: ""; width: 26px; height: 2px; background: var(--gold-600); border-radius: 2px; }
.section-head--center .kicker::after { content: ""; width: 26px; height: 2px; background: var(--gold-600); border-radius: 2px; }

.lead { font-size: 1.075rem; color: var(--muted); }
.text-muted { color: var(--muted); }
.text-center { text-align: center; }

.grid { display: grid; gap: 24px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

.icon { width: 24px; height: 24px; flex: none; }
.icon-sm { width: 18px; height: 18px; }
.icon-lg { width: 30px; height: 30px; }

/* ---------- Skip link ---------- */
.skip-link {
  position: absolute; left: 16px; top: -60px; z-index: 200;
  background: var(--navy-900); color: #fff; padding: 10px 18px;
  border-radius: 0 0 10px 10px; font-weight: 600; font-size: 0.9rem;
  transition: top 0.2s ease;
}
.skip-link:focus { top: 0; color: #fff; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 13px 26px;
  border-radius: 10px;
  border: 1.5px solid transparent;
  font-weight: 600;
  font-size: 0.95rem;
  line-height: 1.2;
  cursor: pointer;
  text-decoration: none;
  transition: background 0.18s ease, color 0.18s ease, border-color 0.18s ease, transform 0.18s ease, box-shadow 0.18s ease;
  white-space: nowrap;
}
.btn:active { transform: translateY(1px); }
.btn .icon { width: 19px; height: 19px; transition: transform 0.18s ease; }
.btn:hover .icon { transform: translateX(3px); }

.btn-primary { background: var(--gold-600); color: var(--navy-950); box-shadow: 0 2px 10px rgba(202, 157, 67, 0.35); }
.btn-primary:hover { background: #B88C34; color: var(--navy-950); }
.btn-secondary { background: var(--navy-900); color: #fff; }
.btn-secondary:hover { background: var(--navy-700); color: #fff; }
.btn-outline { background: transparent; border-color: var(--line-2); color: var(--navy-900); }
.btn-outline:hover { border-color: var(--navy-900); background: var(--navy-50); color: var(--navy-900); }
.btn-ghost { background: transparent; color: var(--navy-900); padding-inline: 14px; }
.btn-ghost:hover { color: var(--navy-700); background: var(--navy-50); }
.btn-light { background: #fff; color: var(--navy-900); }
.btn-light:hover { background: var(--navy-50); color: var(--navy-950); }
.btn-lg { padding: 16px 32px; font-size: 1rem; border-radius: 12px; }
.btn-sm { padding: 9px 18px; font-size: 0.875rem; border-radius: 8px; }
.btn-block { width: 100%; }
.btn[disabled] { opacity: 0.55; cursor: not-allowed; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255, 255, 255, 0.92);
  -webkit-backdrop-filter: blur(12px);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid transparent;
  transition: border-color 0.25s ease, box-shadow 0.25s ease;
}
.site-header.is-scrolled { border-bottom-color: var(--line); box-shadow: 0 4px 20px rgba(3, 29, 66, 0.06); }
.header-inner { display: flex; align-items: center; gap: 28px; height: var(--header-h); }

.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; margin-right: auto; }
.brand-mark { width: 46px; height: auto; }
.brand-text { display: flex; flex-direction: column; line-height: 1.1; }
.brand-name { font-family: var(--font-serif); font-weight: 700; font-size: 1.3rem; letter-spacing: -0.01em; color: var(--navy-900); }
.brand-sub { font-size: 0.62rem; font-weight: 600; letter-spacing: 0.22em; text-transform: uppercase; color: var(--slate-600); margin-top: 3px; }
.brand:hover .brand-name { color: var(--navy-700); }

.main-nav { display: flex; align-items: center; }
.nav-list { display: flex; align-items: center; gap: 2px; margin: 0; }
.nav-list a, .nav-trigger {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 10px 14px;
  border-radius: 9px;
  font-size: 0.935rem;
  font-weight: 500;
  color: var(--slate-900);
  text-decoration: none;
  background: none; border: 0; cursor: pointer;
  transition: background 0.15s ease, color 0.15s ease;
}
.nav-list a:hover, .nav-trigger:hover { background: var(--mist); color: var(--navy-900); }
.nav-list a[aria-current="page"] { color: var(--navy-900); font-weight: 600; background: var(--navy-50); }
.nav-trigger .icon-sm { transition: transform 0.2s ease; }
.has-menu { position: relative; }
.has-menu.open .nav-trigger { background: var(--navy-50); color: var(--navy-900); }
.has-menu.open .nav-trigger .icon-sm { transform: rotate(180deg); }

.nav-menu {
  position: absolute; top: calc(100% + 10px); left: 50%; transform: translateX(-50%) translateY(6px);
  min-width: 300px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-lg);
  padding: 8px;
  opacity: 0; visibility: hidden;
  transition: opacity 0.18s ease, transform 0.18s ease, visibility 0.18s;
}
.has-menu.open .nav-menu { opacity: 1; visibility: visible; transform: translateX(-50%) translateY(0); }
.nav-menu a {
  display: flex; flex-direction: column; gap: 2px;
  padding: 11px 14px; border-radius: 10px;
}
.nav-menu a:hover { background: var(--mist); }
.nav-menu .menu-title { font-weight: 600; font-size: 0.95rem; color: var(--navy-900); }
.nav-menu .menu-desc { font-size: 0.8rem; color: var(--muted); line-height: 1.4; }
.nav-menu .menu-all { margin-bottom: 6px; border-bottom: 1px solid var(--line); border-radius: 10px 10px 0 0; }
.nav-menu .menu-all .menu-title { display: inline-flex; align-items: center; gap: 8px; }

.header-cta { flex: none; }

.nav-burger {
  display: none;
  width: 46px; height: 46px;
  border-radius: 10px; border: 1px solid var(--line);
  background: #fff; cursor: pointer;
  align-items: center; justify-content: center;
  color: var(--navy-900);
}
.nav-burger:hover { background: var(--mist); }

/* ---------- Mobile drawer ---------- */
.drawer { position: fixed; inset: 0; z-index: 150; visibility: hidden; }
.drawer.open { visibility: visible; }
.drawer-backdrop {
  position: absolute; inset: 0;
  background: rgba(2, 20, 44, 0.5);
  opacity: 0; transition: opacity 0.28s ease;
}
.drawer.open .drawer-backdrop { opacity: 1; }
.drawer-panel {
  position: absolute; top: 0; right: 0; height: 100%;
  width: min(420px, 90vw);
  background: #fff;
  box-shadow: var(--shadow-lg);
  transform: translateX(102%);
  transition: transform 0.3s cubic-bezier(0.32, 0.72, 0.28, 1);
  display: flex; flex-direction: column;
}
.drawer.open .drawer-panel { transform: translateX(0); }
.drawer-head {
  display: flex; align-items: center; justify-content: space-between;
  padding: 16px 20px; border-bottom: 1px solid var(--line);
}
.drawer-head .brand-mark { width: 38px; }
.drawer-nav { flex: 1; overflow-y: auto; padding: 18px 20px 8px; }
.drawer-nav .dn-group-label {
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--slate-600); margin: 22px 8px 8px;
}
.drawer-nav .dn-group-label:first-child { margin-top: 4px; }
.drawer-nav a, .drawer-nav .dn-trigger {
  display: flex; align-items: center; justify-content: space-between; gap: 10px;
  width: 100%;
  padding: 13px 12px;
  border-radius: 10px;
  border: 0; background: none; cursor: pointer;
  font-size: 1.02rem; font-weight: 500; color: var(--slate-900); text-decoration: none;
}
.drawer-nav a:hover, .drawer-nav .dn-trigger:hover { background: var(--mist); color: var(--navy-900); }
.drawer-nav a[aria-current="page"] { background: var(--navy-50); color: var(--navy-900); font-weight: 600; }
.drawer-nav .dn-trigger .icon { color: var(--slate-600); transition: transform 0.2s ease; }
.drawer-nav details[open] > .dn-trigger .icon { transform: rotate(180deg); }
.drawer-sub { padding: 2px 0 8px; }
.drawer-sub a { padding: 11px 12px 11px 26px; font-size: 0.95rem; color: var(--muted); border-left: 2px solid var(--line); margin-left: 12px; border-radius: 0 10px 10px 0; }
.drawer-sub a:hover, .drawer-sub a[aria-current="page"] { color: var(--navy-900); border-left-color: var(--gold-600); }
.drawer-foot { padding: 18px 20px 24px; border-top: 1px solid var(--line); display: grid; grid-template-columns: minmax(0, 1fr); gap: 12px; }
.drawer-foot .drawer-contact { display: flex; align-items: center; gap: 10px; font-size: 0.875rem; color: var(--muted); text-decoration: none; }
/* long mailto addresses must be able to break on narrow screens */
.info-card a[href^="mailto:"], .footer-contact a, .drawer-foot .drawer-contact { overflow-wrap: anywhere; }
.drawer-foot .drawer-contact:hover { color: var(--navy-900); }
.drawer-foot .drawer-contact .icon { color: var(--gold-700); }

/* ---------- Footer ---------- */
.site-footer { background: #FBFCFE; border-top: 1px solid var(--line); }
.footer-main {
  display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.3fr; gap: 48px;
  padding-block: 64px 48px;
}
.footer-brand img { width: 190px; height: auto; margin-bottom: 18px; }
.footer-brand p { font-size: 0.92rem; color: var(--muted); max-width: 34ch; }
.footer-col h3 {
  font-family: var(--font-sans); font-size: 0.78rem; font-weight: 700;
  letter-spacing: 0.12em; text-transform: uppercase; color: var(--slate-600); margin-bottom: 16px;
}
.footer-col ul li { margin-bottom: 10px; }
.footer-col a { font-size: 0.93rem; color: var(--slate-900); text-decoration: none; }
.footer-col a:hover { color: var(--navy-700); text-decoration: underline; }
.footer-contact li { display: flex; gap: 10px; align-items: flex-start; font-size: 0.93rem; color: var(--slate-900); margin-bottom: 12px; }
.footer-contact .icon { color: var(--gold-700); margin-top: 3px; }
.footer-contact a { text-decoration: none; color: var(--slate-900); }
.footer-contact a:hover { color: var(--navy-700); text-decoration: underline; }
.footer-bottom {
  border-top: 1px solid var(--line);
  padding-block: 20px 24px;
  display: flex; flex-wrap: wrap; gap: 12px 24px; align-items: center; justify-content: space-between;
  font-size: 0.82rem; color: var(--muted);
}
.footer-bottom .footer-legal { display: flex; gap: 20px; flex-wrap: wrap; }
.footer-disclaimer {
  background: var(--mist); border-top: 1px solid var(--line);
  padding-block: 20px;
  font-size: 0.78rem; color: var(--muted); line-height: 1.7;
}

/* ---------- Hero (home) ---------- */
.hero {
  position: relative;
  background:
    radial-gradient(1100px 480px at 85% -10%, var(--navy-50) 0%, rgba(238,243,249,0) 60%),
    linear-gradient(180deg, #FBFCFE 0%, #FFFFFF 100%);
  overflow: hidden;
}
.hero-inner {
  display: grid; grid-template-columns: 1.04fr 0.96fr; gap: clamp(40px, 5vw, 72px);
  align-items: center;
  padding-block: clamp(64px, 8vw, 104px);
}
.hero h1 { font-size: clamp(2.35rem, 4.6vw, 3.6rem); margin-bottom: 0.45em; }
.hero .lead { font-size: clamp(1.05rem, 1.6vw, 1.175rem); max-width: 54ch; margin-bottom: 30px; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 26px; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 10px 24px; }
.hero-trust li { display: inline-flex; align-items: center; gap: 8px; font-size: 0.875rem; font-weight: 500; color: var(--slate-900); }
.hero-trust .icon { color: var(--gold-700); width: 17px; height: 17px; }

.hero-media { position: relative; }
.hero-photo {
  border-radius: var(--r-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  aspect-ratio: 4 / 3.1;
  background: var(--navy-100);
}
.hero-photo img { width: 100%; height: 100%; object-fit: cover; }
.hero-card {
  position: absolute; left: -26px; bottom: -26px;
  width: min(300px, 78%);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-lg);
  padding: 18px 20px;
  display: grid; grid-template-columns: minmax(0, 1fr); gap: 12px;
}
.hero-card-row { display: flex; align-items: center; gap: 12px; }
.hero-card-icon {
  width: 42px; height: 42px; border-radius: 11px;
  background: var(--gold-50); color: var(--gold-800);
  display: flex; align-items: center; justify-content: center; flex: none;
}
.hero-card-row strong { display: block; font-size: 0.92rem; color: var(--navy-900); line-height: 1.3; }
.hero-card-row span { font-size: 0.78rem; color: var(--muted); }
.hero-card-bar { height: 6px; border-radius: 99px; background: var(--mist-2); overflow: hidden; }
.hero-card-bar i { display: block; height: 100%; width: 72%; background: linear-gradient(90deg, var(--gold-600), var(--gold-700)); border-radius: 99px; }
.hero-deco {
  position: absolute; top: -70px; right: -90px; width: 420px; height: 420px;
  color: var(--navy-100); opacity: 0.55; pointer-events: none; z-index: 0;
}
.hero-inner { position: relative; z-index: 1; }

/* ---------- Pillars / trust strip ---------- */
.pillars { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.pillar {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: 26px 24px;
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.pillar:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--navy-100); }
.pillar-icon {
  width: 48px; height: 48px; border-radius: 12px;
  background: var(--navy-50); color: var(--navy-900);
  display: flex; align-items: center; justify-content: center; margin-bottom: 16px;
}
.pillar-icon .icon { width: 24px; height: 24px; }
.pillar h3 { font-family: var(--font-sans); font-size: 1.02rem; font-weight: 600; color: var(--navy-900); margin-bottom: 6px; letter-spacing: 0; }
.pillar p { font-size: 0.9rem; color: var(--muted); margin: 0; }

/* ---------- Service cards ---------- */
.service-card {
  display: flex; flex-direction: column;
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: 30px 28px;
  text-decoration: none;
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.service-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); border-color: var(--navy-100); }
.service-card:focus-visible { outline-offset: 4px; }
.service-card .service-icon {
  width: 52px; height: 52px; border-radius: 13px;
  background: var(--navy-50); color: var(--navy-900);
  display: flex; align-items: center; justify-content: center; margin-bottom: 20px;
}
.service-card .service-icon .icon { width: 26px; height: 26px; }
.service-card h3 { font-size: 1.22rem; margin-bottom: 8px; }
.service-card p { font-size: 0.92rem; color: var(--muted); flex: 1; }
.service-link {
  display: inline-flex; align-items: center; gap: 8px;
  font-weight: 600; font-size: 0.92rem; color: var(--navy-900); margin-top: 18px;
}
.service-card:hover .service-link { color: var(--gold-800); }
.service-card:hover .service-link .icon { transform: translateX(3px); }
.service-link .icon { width: 17px; height: 17px; transition: transform 0.18s ease; }

/* ---------- Split / department cards ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; align-items: stretch; }
.split-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-xl);
  padding: clamp(28px, 4vw, 44px);
  display: flex; flex-direction: column;
}
.split-card .service-icon {
  width: 56px; height: 56px; border-radius: 14px;
  background: var(--navy-50); color: var(--navy-900);
  display: flex; align-items: center; justify-content: center; margin-bottom: 22px;
}
.split-card .service-icon .icon { width: 28px; height: 28px; }
.split-card h3 { font-size: 1.5rem; margin-bottom: 10px; }
.split-card > p { color: var(--muted); }
.split-card .btn { margin-top: auto; align-self: flex-start; }

.feature-list { margin: 20px 0 26px; display: grid; grid-template-columns: minmax(0, 1fr); gap: 12px; }
.feature-list li { display: grid; grid-template-columns: auto minmax(0, 1fr); column-gap: 12px; align-items: start; font-size: 0.95rem; color: var(--ink); }
.feature-list .check {
  width: 22px; height: 22px; border-radius: 99px; flex: none; margin-top: 2px;
  background: var(--gold-50); color: var(--gold-800);
  display: flex; align-items: center; justify-content: center;
}
.feature-list .check .icon { width: 13px; height: 13px; }

/* ---------- Image + text split ---------- */
.media-split { display: grid; grid-template-columns: 0.92fr 1.08fr; gap: clamp(36px, 5vw, 72px); align-items: center; }
.media-split--reverse { direction: rtl; }
.media-split--reverse > * { direction: ltr; }
.media-frame {
  border-radius: var(--r-xl); overflow: hidden; box-shadow: var(--shadow-md);
  aspect-ratio: 5 / 4; background: var(--navy-100); position: relative;
}
.media-frame img { width: 100%; height: 100%; object-fit: cover; }
.media-frame::after {
  content: ""; position: absolute; inset: 0;
  border: 1px solid rgba(255,255,255,0.35); border-radius: inherit;
}
.media-frame .frame-accent {
  position: absolute; inset: 14px;
  border: 1.5px solid var(--gold-600); border-radius: calc(var(--r-xl) - 6px);
  opacity: 0.55; pointer-events: none;
}
.media-copy h2 { font-size: clamp(1.7rem, 3vw, 2.3rem); }
.media-copy .lead { margin-bottom: 22px; }

/* ---------- Dark audience cards ---------- */
.audience-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.audience-card {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--r-xl);
  padding: clamp(26px, 3.5vw, 40px);
}
.audience-card .audience-icon {
  width: 52px; height: 52px; border-radius: 13px;
  background: rgba(202, 157, 67, 0.16); color: #E3C87E;
  display: flex; align-items: center; justify-content: center; margin-bottom: 20px;
}
.audience-card .audience-icon .icon { width: 26px; height: 26px; }
.audience-card h3 { font-size: 1.35rem; margin-bottom: 8px; }
.audience-card > p { color: #B9C8DB; font-size: 0.97rem; }
.audience-card .aud-list { display: grid; grid-template-columns: minmax(0, 1fr); gap: 11px; margin: 20px 0 26px; }
.aud-list li { display: grid; grid-template-columns: auto minmax(0, 1fr); column-gap: 11px; align-items: start; font-size: 0.94rem; color: #DCE6F2; }
.aud-list .check {
  width: 21px; height: 21px; border-radius: 99px; flex: none; margin-top: 2px;
  background: rgba(202, 157, 67, 0.2); color: #E3C87E;
  display: flex; align-items: center; justify-content: center;
}
.aud-list .check .icon { width: 12px; height: 12px; }
.audience-card .btn { align-self: flex-start; }

/* ---------- Process steps ---------- */
.process { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; counter-reset: step; }
.step {
  position: relative;
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: 28px 24px;
}
.step-num {
  width: 46px; height: 46px; border-radius: 99px;
  background: var(--navy-900); color: #fff;
  font-family: var(--font-serif); font-weight: 600; font-size: 1.15rem;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
  box-shadow: 0 0 0 5px var(--navy-50);
}
.step h3 { font-family: var(--font-sans); font-size: 1.05rem; font-weight: 600; color: var(--navy-900); margin-bottom: 6px; letter-spacing: 0; }
.step p { font-size: 0.9rem; color: var(--muted); margin: 0; }
.step:not(:last-child)::after {
  content: ""; position: absolute; top: 49px; right: -16px; width: 24px; height: 2px;
  background: repeating-linear-gradient(90deg, var(--line-2) 0 5px, transparent 5px 9px);
}

/* ---------- Calculator teaser cards ---------- */
.calc-teaser {
  display: flex; flex-direction: column;
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: 28px 26px; text-decoration: none;
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.calc-teaser:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); border-color: var(--navy-100); }
.calc-teaser .service-icon {
  width: 50px; height: 50px; border-radius: 13px;
  background: var(--gold-50); color: var(--gold-800);
  display: flex; align-items: center; justify-content: center; margin-bottom: 18px;
}
.calc-teaser h3 { font-size: 1.15rem; margin-bottom: 8px; }
.calc-teaser p { font-size: 0.9rem; color: var(--muted); flex: 1; margin-bottom: 0; }
.calc-teaser .service-link { margin-top: 16px; }
.calc-teaser:hover .service-link { color: var(--gold-800); }
.calc-teaser:hover .service-link .icon { transform: translateX(3px); }

/* ---------- FAQ ---------- */
.faq { max-width: 800px; margin-inline: auto; }
.faq details {
  border-bottom: 1px solid var(--line);
  padding-block: 4px;
}
.faq details:first-of-type { border-top: 1px solid var(--line); }
.faq summary {
  display: flex; align-items: center; justify-content: space-between; gap: 18px;
  padding: 18px 4px;
  cursor: pointer;
  font-weight: 600; font-size: 1.02rem; color: var(--navy-900);
  list-style: none;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary .icon { color: var(--gold-700); transition: transform 0.2s ease; }
.faq details[open] summary .icon { transform: rotate(45deg); }
.faq details[open] summary { color: var(--navy-700); }
.faq .faq-a { padding: 0 4px 20px; color: var(--muted); font-size: 0.96rem; max-width: 70ch; }

/* ---------- CTA band ---------- */
.cta-band {
  background: var(--navy-900);
  border-radius: var(--r-xl);
  padding: clamp(40px, 6vw, 72px) clamp(28px, 5vw, 72px);
  display: grid; grid-template-columns: 1.25fr 0.75fr; gap: 32px; align-items: center;
  position: relative; overflow: hidden;
}
.cta-band::before {
  content: ""; position: absolute; top: -140px; right: -120px; width: 380px; height: 380px;
  background: radial-gradient(closest-side, rgba(202, 157, 67, 0.22), transparent 72%);
  pointer-events: none;
}
.cta-band h2 { color: #fff; font-size: clamp(1.7rem, 3vw, 2.4rem); margin-bottom: 10px; }
.cta-band p { color: #B9C8DB; max-width: 52ch; }
.cta-actions { display: flex; flex-wrap: wrap; gap: 14px; justify-content: flex-end; position: relative; }
.cta-actions .btn-light { box-shadow: var(--shadow-md); }

/* ---------- Inner page hero ---------- */
.page-hero {
  background:
    radial-gradient(900px 380px at 90% -30%, var(--navy-50) 0%, rgba(238,243,249,0) 60%),
    var(--mist);
  border-bottom: 1px solid var(--line);
  padding-block: clamp(48px, 7vw, 80px) clamp(40px, 6vw, 64px);
}
.page-hero .container { max-width: 1160px; }
.page-hero h1 { font-size: clamp(2rem, 4vw, 3rem); max-width: 22ch; margin-bottom: 0.4em; }
.page-hero .lead { max-width: 68ch; margin-bottom: 0; }
.page-hero .hero-ctas { margin-top: 26px; margin-bottom: 0; }

.breadcrumb {
  display: flex; flex-wrap: wrap; align-items: center; gap: 8px;
  font-size: 0.85rem; color: var(--muted); margin-bottom: 20px;
}
.breadcrumb a { color: var(--muted); text-decoration: none; }
.breadcrumb a:hover { color: var(--navy-700); text-decoration: underline; }
.breadcrumb [aria-current] { color: var(--ink); font-weight: 500; }
.breadcrumb .sep { color: var(--line-2); }

/* ---------- Cards: info / checklists ---------- */
.info-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: 28px 26px; height: 100%;
}
.info-card h3 { font-family: var(--font-sans); font-size: 1.08rem; font-weight: 600; color: var(--navy-900); letter-spacing: 0; margin-bottom: 10px; }
.info-card p, .info-card li { font-size: 0.93rem; color: var(--muted); }
.info-card ul { display: grid; grid-template-columns: minmax(0, 1fr); gap: 9px; }
.info-card ul li { display: grid; grid-template-columns: auto minmax(0, 1fr); column-gap: 10px; align-items: start; }
.info-card ul .check {
  width: 20px; height: 20px; border-radius: 99px; flex: none; margin-top: 2px;
  background: var(--gold-50); color: var(--gold-800);
  display: flex; align-items: center; justify-content: center;
}
.info-card ul .check .icon { width: 11px; height: 11px; }

.callout {
  display: flex; gap: 16px; align-items: flex-start;
  background: var(--navy-50);
  border: 1px solid var(--navy-100);
  border-left: 4px solid var(--gold-600);
  border-radius: var(--r-md);
  padding: 20px 22px;
}
.callout .icon { color: var(--navy-900); margin-top: 2px; }
.callout p { margin: 0; font-size: 0.95rem; color: var(--slate-900); }
.callout strong { color: var(--navy-900); }

/* ---------- Blog ---------- */
.blog-toolbar {
  display: flex; flex-wrap: wrap; gap: 14px; align-items: center; justify-content: space-between;
  margin-bottom: 36px;
}
.blog-search { position: relative; flex: 1; min-width: 240px; max-width: 380px; }
.blog-search .icon { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--slate-600); width: 19px; height: 19px; }
.blog-search input {
  width: 100%; padding: 12px 16px 12px 44px;
  border: 1.5px solid var(--line); border-radius: 10px; background: #fff;
  font-size: 0.95rem;
}
.blog-search input:focus { outline: none; border-color: var(--navy-700); box-shadow: 0 0 0 3px var(--navy-50); }

.chip-row { display: flex; flex-wrap: wrap; gap: 8px; }
.chip {
  padding: 8px 16px; border-radius: 99px;
  border: 1.5px solid var(--line); background: #fff;
  font-size: 0.85rem; font-weight: 500; color: var(--slate-900);
  cursor: pointer; transition: all 0.15s ease;
}
.chip:hover { border-color: var(--navy-700); color: var(--navy-900); }
.chip[aria-pressed="true"] { background: var(--navy-900); border-color: var(--navy-900); color: #fff; }

.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.post-card {
  display: flex; flex-direction: column;
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  overflow: hidden; text-decoration: none; color: inherit;
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.post-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); border-color: var(--navy-100); }
.post-thumb { aspect-ratio: 16 / 9.5; overflow: hidden; background: var(--navy-100); }
.post-thumb img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.5s ease; }
.post-card:hover .post-thumb img { transform: scale(1.045); }
.post-body { padding: 22px 24px 26px; display: flex; flex-direction: column; flex: 1; }
.post-meta { display: flex; flex-wrap: wrap; gap: 8px 14px; align-items: center; margin-bottom: 12px; font-size: 0.78rem; color: var(--muted); }
.post-cat {
  padding: 4px 11px; border-radius: 99px;
  background: var(--gold-50); color: var(--gold-800);
  font-weight: 600; font-size: 0.74rem; letter-spacing: 0.04em; text-transform: uppercase;
}
.post-card h3 { font-size: 1.18rem; margin-bottom: 8px; line-height: 1.3; }
.post-card p { font-size: 0.9rem; color: var(--muted); flex: 1; }
.post-card .service-link { margin-top: 14px; }
.post-card:hover .service-link { color: var(--gold-800); }

.post-featured {
  display: grid; grid-template-columns: 1.1fr 0.9fr;
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-xl);
  overflow: hidden; text-decoration: none; color: inherit; margin-bottom: 44px;
  transition: box-shadow 0.2s ease;
}
.post-featured:hover { box-shadow: var(--shadow-md); }
.post-featured .post-thumb { aspect-ratio: auto; height: 100%; min-height: 260px; }
.post-featured .post-body { padding: clamp(26px, 3.5vw, 44px); justify-content: center; }
.post-featured h3 { font-size: clamp(1.4rem, 2.4vw, 1.9rem); }
.post-featured p { font-size: 0.98rem; }

.no-results {
  text-align: center; padding: 60px 20px;
  border: 1.5px dashed var(--line-2); border-radius: var(--r-lg);
  color: var(--muted); background: #fff;
}
.no-results .icon { width: 40px; height: 40px; margin: 0 auto 14px; color: var(--line-2); }

/* ---------- Article ---------- */
.article-shell { max-width: 780px; margin-inline: auto; }
.article-header { margin-bottom: 44px; }
.article-header h1 { font-size: clamp(1.9rem, 3.6vw, 2.7rem); margin-bottom: 16px; }
.article-meta { display: flex; flex-wrap: wrap; gap: 8px 0; align-items: center; font-size: 0.875rem; color: var(--muted); }
.article-meta > * + * { position: relative; padding-left: 18px; }
.article-meta > * + *::before { content: "\00B7"; position: absolute; left: 0; color: var(--muted); }
.article-figure { margin: 0 0 40px; }
.article-figure img { width: 100%; border-radius: var(--r-lg); box-shadow: var(--shadow-sm); }
.article-figure figcaption { font-size: 0.82rem; color: var(--muted); margin-top: 10px; }
.prose h2 { font-size: 1.55rem; margin-top: 46px; }
.prose h3 { font-size: 1.2rem; margin-top: 34px; }
.prose p { font-size: 1.03rem; line-height: 1.8; color: var(--ink); }
.prose ul, .prose ol { display: grid; grid-template-columns: minmax(0, 1fr); gap: 10px; margin: 0 0 1.4em 0; }
.prose ul li, .prose ol li { position: relative; padding-left: 19px; font-size: 1rem; line-height: 1.7; }
.prose ul li::before { content: ""; position: absolute; left: 0; top: 0.72em; width: 7px; height: 7px; border-radius: 99px; background: var(--gold-600); }
.prose ol { counter-reset: ol; }
.prose ol li { counter-increment: ol; padding-left: 36px; }
.prose ol li::before {
  position: absolute; left: 0; top: 0.15em;
  content: counter(ol);
  width: 24px; height: 24px; border-radius: 99px;
  background: var(--navy-50); color: var(--navy-900);
  font-size: 0.78rem; font-weight: 700;
  display: flex; align-items: center; justify-content: center;
}
.takeaways {
  background: var(--navy-50);
  border: 1px solid var(--navy-100);
  border-radius: var(--r-lg);
  padding: 26px 28px; margin: 34px 0;
}
.takeaways h2 { font-family: var(--font-sans); font-size: 0.85rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--navy-900); margin-bottom: 14px; letter-spacing: 0.1em; }
.takeaways ul { display: grid; grid-template-columns: minmax(0, 1fr); gap: 10px; }
.takeaways li { display: grid; grid-template-columns: auto minmax(0, 1fr); column-gap: 12px; font-size: 0.96rem; color: var(--slate-900); }
.takeaways li .check {
  width: 22px; height: 22px; border-radius: 99px; flex: none; margin-top: 2px;
  background: var(--gold-100); color: var(--gold-800);
  display: flex; align-items: center; justify-content: center;
}
.takeaways li .check .icon { width: 12px; height: 12px; }
.article-cta {
  margin-top: 56px;
  background: var(--navy-900); border-radius: var(--r-xl);
  padding: clamp(30px, 4vw, 48px);
  display: flex; flex-wrap: wrap; gap: 24px; align-items: center; justify-content: space-between;
}
.article-cta h2 { color: #fff; font-size: 1.5rem; margin-bottom: 6px; }
.article-cta p { color: #B9C8DB; margin: 0; }
.related-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }

/* ---------- Forms ---------- */
.form-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-xl);
  padding: clamp(26px, 4vw, 44px);
  box-shadow: var(--shadow-sm);
}
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0 22px; }
.field { margin-bottom: 22px; }
.field-full { grid-column: 1 / -1; }
.field label { display: block; font-size: 0.92rem; font-weight: 600; color: var(--slate-900); margin-bottom: 8px; }
.field label .req { color: var(--gold-800); }
.field .hint { font-size: 0.8rem; color: var(--muted); margin-top: 7px; line-height: 1.5; }
.input, .select, .textarea {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--line);
  border-radius: 10px;
  background: #fff;
  font-size: 0.975rem;
  color: var(--ink);
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
  appearance: none;
}
.select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%235A6878' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9.5l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 14px center;
  padding-right: 42px;
}
.textarea { resize: vertical; min-height: 120px; }
.input::placeholder, .textarea::placeholder { color: #98A4B3; }
.input:focus, .select:focus, .textarea:focus {
  outline: none; border-color: var(--navy-700); box-shadow: 0 0 0 3px var(--navy-50);
}
.field .input[aria-invalid="true"], .field .select[aria-invalid="true"], .field .textarea[aria-invalid="true"] {
  border-color: var(--error); box-shadow: 0 0 0 3px var(--error-bg);
}
.error-msg {
  display: flex; gap: 7px; align-items: flex-start;
  font-size: 0.83rem; color: var(--error); margin-top: 7px;
}
.error-msg .icon { width: 15px; height: 15px; margin-top: 2px; flex: none; }
.error-msg:empty { display: none; }
.form-note {
  display: flex; gap: 10px; align-items: flex-start;
  font-size: 0.82rem; color: var(--muted);
  background: var(--mist); border-radius: 10px; padding: 13px 15px; margin-top: 4px;
}
.form-note .icon { color: var(--gold-700); width: 17px; height: 17px; flex: none; margin-top: 2px; }

.success-panel {
  display: none;
  background: var(--success-bg);
  border: 1px solid #BFE0CB;
  border-radius: var(--r-lg);
  padding: 34px 32px;
  text-align: center;
}
.success-panel.show { display: block; }
.success-icon {
  width: 62px; height: 62px; border-radius: 99px; margin: 0 auto 18px;
  background: #fff; color: var(--success);
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow-sm);
}
.success-icon .icon { width: 30px; height: 30px; }
.success-panel h2 { font-size: 1.5rem; margin-bottom: 8px; }
.success-panel p { color: var(--slate-900); max-width: 46ch; margin-inline: auto; }

/* ---------- Quote layout ---------- */
.quote-layout { display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 40px; align-items: start; }
@media (max-width: 960px) { .quote-layout { grid-template-columns: 1fr; } }

/* ---------- Quote wizard ---------- */
.wizard-steps {
  display: flex; gap: 0; margin-bottom: 36px;
  list-style: none;
}
.wizard-steps li {
  flex: 1; display: flex; align-items: center; gap: 12px;
  position: relative;
}
.wizard-steps li:not(:last-child)::after {
  content: ""; flex: 1; height: 2px; background: var(--line); margin: 0 14px;
  border-radius: 2px; transition: background 0.3s ease;
}
.wizard-steps li.done:not(:last-child)::after { background: var(--navy-900); }
.wiz-dot {
  width: 34px; height: 34px; border-radius: 99px; flex: none;
  display: flex; align-items: center; justify-content: center;
  border: 2px solid var(--line-2); background: #fff;
  font-size: 0.85rem; font-weight: 700; color: var(--muted);
  transition: all 0.25s ease;
}
.wiz-dot .icon { width: 16px; height: 16px; display: none; }
.wizard-steps li.current .wiz-dot { border-color: var(--gold-600); color: var(--gold-800); background: var(--gold-50); }
.wizard-steps li.done .wiz-dot { border-color: var(--navy-900); background: var(--navy-900); color: #fff; }
.wizard-steps li.done .wiz-dot .num { display: none; }
.wizard-steps li.done .wiz-dot .icon { display: block; }
.wiz-label { font-size: 0.86rem; font-weight: 600; color: var(--muted); white-space: nowrap; }
.wizard-steps li.current .wiz-label { color: var(--navy-900); }
.wizard-steps li.done .wiz-label { color: var(--slate-900); }

.wizard-panel { display: none; }
.wizard-panel.active { display: block; }
.wizard-panel h2 { font-size: 1.45rem; margin-bottom: 6px; }
.wizard-panel .panel-sub { color: var(--muted); margin-bottom: 28px; font-size: 0.97rem; }
.wizard-nav { display: flex; justify-content: space-between; gap: 14px; margin-top: 30px; }

.choice-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.choice-card input { position: absolute; opacity: 0; pointer-events: none; }
.choice-card .choice-face {
  display: flex; flex-direction: column; gap: 4px;
  border: 1.5px solid var(--line); border-radius: 13px;
  padding: 18px 18px; cursor: pointer; background: #fff;
  transition: all 0.15s ease;
}
.choice-card .choice-face strong { font-size: 0.98rem; color: var(--navy-900); display: flex; gap: 9px; align-items: center; }
.choice-card .choice-face strong .icon { color: var(--gold-700); width: 20px; height: 20px; }
.choice-card .choice-face span { font-size: 0.82rem; color: var(--muted); line-height: 1.5; }
.choice-card input:checked + .choice-face {
  border-color: var(--navy-900); background: var(--navy-50);
  box-shadow: 0 0 0 3px var(--navy-50);
}
.choice-card input:focus-visible + .choice-face { outline: 3px solid var(--gold-600); outline-offset: 2px; }

.check-pills { display: flex; flex-wrap: wrap; gap: 10px; }
.check-pill input { position: absolute; opacity: 0; pointer-events: none; }
.check-pill .pill-face {
  display: inline-flex; align-items: center; gap: 9px;
  border: 1.5px solid var(--line); border-radius: 99px;
  padding: 11px 18px; cursor: pointer; background: #fff;
  font-size: 0.92rem; font-weight: 500; color: var(--slate-900);
  transition: all 0.15s ease;
}
.check-pill .pill-face .icon { width: 16px; height: 16px; color: var(--line-2); }
.check-pill input:checked + .pill-face {
  border-color: var(--navy-900); background: var(--navy-900); color: #fff;
}
.check-pill input:checked + .pill-face .icon { color: var(--gold-600); }
.check-pill input:focus-visible + .pill-face { outline: 3px solid var(--gold-600); outline-offset: 2px; }

.review-box { background: var(--mist); border-radius: var(--r-lg); padding: 22px 24px; margin-bottom: 8px; }
.review-box h3 { font-family: var(--font-sans); font-size: 0.8rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--slate-600); margin-bottom: 12px; }
.review-row { display: flex; justify-content: space-between; gap: 18px; padding: 8px 0; border-bottom: 1px solid var(--line); font-size: 0.93rem; }
.review-row:last-child { border-bottom: 0; }
.review-row dt { color: var(--muted); flex: none; }
.review-row dd { margin: 0; font-weight: 600; color: var(--navy-900); text-align: right; }

/* ---------- Calculators ---------- */
.calc-layout { display: grid; grid-template-columns: 1.02fr 0.98fr; gap: 32px; align-items: start; }
/* min-width: 0 on the grid items: without it, the results card's automatic
   minimum size (the sensitivity table's min-width) stretches the grid track
   wider than the viewport and the card gets clipped on small screens. */
.calc-form, .calc-results { min-width: 0; }
.calc-form {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-xl);
  padding: clamp(24px, 3.5vw, 40px);
}
.calc-form h2 { font-size: 1.4rem; margin-bottom: 4px; }
.calc-form .form-sub { color: var(--muted); font-size: 0.93rem; margin-bottom: 26px; }
.calc-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 6px; }

.calc-results {
  background: var(--navy-900);
  border-radius: var(--r-xl);
  padding: clamp(24px, 3.5vw, 40px);
  color: #E8EEF6;
  position: sticky; top: calc(var(--header-h) + 20px);
}
.calc-results h2 { color: #fff; font-size: 1.3rem; margin-bottom: 4px; }
.calc-results .results-sub { color: #B9C8DB; font-size: 0.92rem; margin-bottom: 24px; }
.result-empty {
  border: 1.5px dashed rgba(255, 255, 255, 0.25);
  border-radius: var(--r-lg);
  padding: 44px 26px; text-align: center; color: #B9C8DB;
}
.result-empty .icon { width: 42px; height: 42px; margin: 0 auto 14px; color: rgba(255,255,255,0.4); }
.result-empty p { margin: 0; font-size: 0.93rem; }
.results-body { display: none; }
.results-body.show { display: block; }

.result-hero-row {
  display: flex; align-items: baseline; gap: 12px; flex-wrap: wrap;
  padding-bottom: 18px; margin-bottom: 18px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.14);
}
.result-big {
  font-family: var(--font-serif); font-weight: 600;
  font-size: clamp(2.1rem, 3.6vw, 2.9rem); line-height: 1.05;
  color: #F0D9A0; letter-spacing: -0.02em;
}
.result-unit { color: #B9C8DB; font-size: 0.9rem; }
.result-rows { display: grid; gap: 0; margin-bottom: 22px; }
.result-row {
  display: flex; justify-content: space-between; gap: 16px; align-items: baseline;
  padding: 11px 0; border-bottom: 1px solid rgba(255, 255, 255, 0.09);
  font-size: 0.93rem;
}
.result-row:last-child { border-bottom: 0; }
.result-row .r-label { color: #B9C8DB; min-width: 0; }
.result-row .r-value { font-weight: 600; color: #fff; white-space: nowrap; }
.result-row .r-value.accent { color: #F0D9A0; }
.result-note {
  background: rgba(255, 255, 255, 0.07);
  border-radius: var(--r-md);
  padding: 15px 17px;
  font-size: 0.87rem; color: #C4D1E2; line-height: 1.65;
  margin-bottom: 18px;
}
.result-note strong { color: #fff; }
.assumptions {
  border-top: 1px solid rgba(255, 255, 255, 0.14);
  padding-top: 16px; margin-bottom: 20px;
}
.assumptions h3 {
  font-family: var(--font-sans); font-size: 0.76rem; font-weight: 700;
  letter-spacing: 0.12em; text-transform: uppercase; color: #B9C8DB; margin-bottom: 9px;
}
.assumptions ul { display: grid; gap: 6px; }
.assumptions li { display: flex; gap: 9px; font-size: 0.8rem; color: #AABCD4; line-height: 1.55; }
.assumptions li::before { content: "·"; color: var(--gold-600); font-weight: 700; }
.calc-disclaimer { font-size: 0.76rem; color: rgba(255, 255, 255, 0.5); line-height: 1.6; margin: 0 0 22px; }

.calc-aside-extra { display: none; }
.calc-results.has-results .calc-aside-extra { display: block; }

.chart-wrap { margin: 4px 0 20px; }
.chart-wrap svg { width: 100%; height: auto; }
.chart-legend { display: flex; gap: 18px; flex-wrap: wrap; margin-top: 12px; font-size: 0.8rem; color: #C4D1E2; }
.chart-legend span { display: inline-flex; align-items: center; gap: 7px; }
.chart-legend i { width: 14px; height: 4px; border-radius: 2px; display: inline-block; }

.calc-table-wrap { overflow-x: auto; margin-bottom: 8px; }
.calc-table { width: 100%; border-collapse: collapse; font-size: 0.85rem; min-width: 420px; }
.calc-table caption { text-align: left; font-size: 0.78rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: #B9C8DB; padding-bottom: 10px; }
.calc-table th {
  text-align: right; padding: 9px 10px; font-size: 0.74rem; letter-spacing: 0.08em; text-transform: uppercase;
  color: #AABCD4; border-bottom: 1px solid rgba(255,255,255,0.18); font-weight: 600;
}
.calc-table th:first-child, .calc-table td:first-child { text-align: left; }
.calc-table td { text-align: right; padding: 9px 10px; color: #E8EEF6; border-bottom: 1px solid rgba(255,255,255,0.08); font-variant-numeric: tabular-nums; }
.calc-table tr:last-child td { border-bottom: 0; }
.calc-table td:first-child { color: #B9C8DB; }
.calc-table .grow { color: #F0D9A0; font-weight: 600; }

/* range inputs */
input[type="range"] {
  width: 100%; appearance: none; height: 6px; border-radius: 99px;
  background: linear-gradient(90deg, var(--navy-900) var(--fill, 50%), var(--mist-2) var(--fill, 50%));
  outline-offset: 4px; margin: 10px 0 4px;
}
input[type="range"]::-webkit-slider-thumb {
  appearance: none; width: 22px; height: 22px; border-radius: 99px;
  background: #fff; border: 3px solid var(--navy-900);
  box-shadow: var(--shadow-sm); cursor: pointer;
}
input[type="range"]::-moz-range-thumb {
  width: 20px; height: 20px; border-radius: 99px;
  background: #fff; border: 3px solid var(--navy-900);
  box-shadow: var(--shadow-sm); cursor: pointer;
}
.range-value { font-weight: 700; color: var(--navy-900); font-size: 0.92rem; }

/* ---------- Misc ---------- */
.divider-gold { width: 48px; height: 3px; border-radius: 2px; background: var(--gold-600); }
.eyebrow-stat { font-family: var(--font-serif); font-size: 1.9rem; font-weight: 600; color: var(--navy-900); line-height: 1.2; }

.reveal { opacity: 0; transform: translateY(18px); transition: opacity 0.55s ease, transform 0.55s ease; }
.reveal.is-visible { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
}

.visually-hidden {
  position: absolute !important; width: 1px; height: 1px;
  margin: -1px; padding: 0; border: 0;
  clip: rect(0 0 0 0); clip-path: inset(50%); overflow: hidden; white-space: nowrap;
}

/* ---------- Responsive ---------- */
@media (max-width: 1080px) {
  .hero-inner { grid-template-columns: 1fr; gap: 44px; }
  .hero-media { max-width: 620px; }
  .hero-deco { display: none; }
  .pillars { grid-template-columns: 1fr 1fr; }
  .process { grid-template-columns: 1fr 1fr; }
  .step:not(:last-child)::after { display: none; }
  .footer-main { grid-template-columns: 1fr 1fr; gap: 40px; }
  .cta-band { grid-template-columns: 1fr; }
  .cta-actions { justify-content: flex-start; }
  .calc-layout { grid-template-columns: 1fr; }
  .calc-results { position: static; }
}

@media (max-width: 960px) {
  .main-nav, .header-cta { display: none; }
  .nav-burger { display: flex; }
  .split, .media-split, .media-split--reverse, .audience-cards, .post-featured { grid-template-columns: 1fr; }
  .media-frame { max-width: 640px; }
  .post-featured .post-thumb { min-height: 240px; }
  .grid-3 { grid-template-columns: 1fr 1fr; }
  .grid-4 { grid-template-columns: 1fr 1fr; }
  .blog-grid, .related-grid { grid-template-columns: 1fr 1fr; }
  .wizard-steps li .wiz-label { display: none; }
  .wizard-steps li:not(:last-child)::after { margin: 0 8px; }
}

@media (max-width: 720px) {
  .hero-card { position: static; width: 100%; margin-top: 18px; }
  .hero-ctas .btn { flex: 1; justify-content: center; }
  .section-head { margin-bottom: 30px; }
  .form-grid, .choice-cards { grid-template-columns: 1fr; }
  .btn { white-space: normal; }
  .footer-main { grid-template-columns: 1fr; gap: 34px; padding-block: 48px 36px; }
  .footer-brand img { width: 160px; }
  .process { grid-template-columns: 1fr; }
  .blog-toolbar { flex-direction: column; align-items: stretch; }
  .blog-search { max-width: none; }
}

@media (max-width: 560px) {
  .grid-2, .grid-3, .grid-4, .pillars, .blog-grid, .related-grid { grid-template-columns: 1fr; }
  .brand-sub { display: none; }
  .brand-mark { width: 40px; }
  .section { padding-block: 56px; }
  .hero h1 { font-size: 2.15rem; }
  .h1-fluid { font-size: 2.1rem; }
  .btn { padding: 13px 20px; }
  .cta-actions .btn { width: 100%; }
  .wizard-nav { flex-direction: column-reverse; }
  .wizard-nav .btn { width: 100%; }
  .hero-ctas { flex-direction: column; }
  .hero-ctas .btn { width: 100%; flex: none; }
  .review-row { flex-direction: column; gap: 2px; }
  .review-row dd { text-align: left; }
}