/* ============================================================
   Wealth Health, design system
   PlainBlack rebuild demo · 2026-05-15
   ============================================================ */

:root {
  /* core palette, Wealth Health brand (per Squarespace theme) */
  --navy:        #273A54;          /* brand dark navy (darkAccent) */
  --navy-2:      #2D4664;
  --navy-3:      #34527A;
  --gold:        #E6B47B;          /* brand warm peach (accent) */
  --gold-2:      #C68A4A;
  --gold-soft:   #F4D5AF;
  --paper:       #FFFFFF;          /* white background */
  --paper-2:     #EBEFF5;          /* pale blue section tint (lightAccent) */
  --ink:         #303C40;          /* brand body slate (their "black") */
  --slate:       #5A6A75;
  --slate-2:     #8595A1;
  --line:        rgba(39,58,84,0.10);
  --line-dark:   rgba(255,255,255,0.10);
  --good:        #166534;
  --warn:        #C2410C;
  --bad:         #991B1B;

  /* type, all-sans */
  --display: 'Inter Tight', 'Inter', system-ui, -apple-system, BlinkMacSystemFont, sans-serif;
  --body:    'Inter', system-ui, -apple-system, BlinkMacSystemFont, sans-serif;
  --mono:    'JetBrains Mono', ui-monospace, monospace;

  /* rhythm */
  --container: 1240px;
  --container-narrow: 880px;
  --gutter: clamp(1rem, 3vw, 2rem);
  --radius-sm: 6px;
  --radius:    14px;
  --radius-lg: 24px;
  --shadow-sm: 0 2px 8px rgba(48,60,64,0.06);
  --shadow:    0 12px 36px rgba(48,60,64,0.10);
  --shadow-lg: 0 28px 72px rgba(48,60,64,0.18);

  /* motion */
  --ease: cubic-bezier(.2,.7,.2,1);
  --t-quick: 160ms var(--ease);
  --t-med:   320ms var(--ease);
  --t-slow:  640ms var(--ease);

  scroll-behavior: smooth;
}

@media (prefers-reduced-motion: reduce) {
  :root { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  font-family: var(--body);
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  font-feature-settings: 'cv11','ss01','ss03';
}

img, svg { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; transition: color var(--t-quick), opacity var(--t-quick); }
a:hover { color: var(--gold-2); }
button { font-family: inherit; cursor: pointer; }
:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; border-radius: 4px; }
button:focus-visible, a:focus-visible { outline-color: var(--gold-2); }
.btn:focus-visible { outline-offset: 4px; }

/* ============================================================
   Typography
   ============================================================ */
h1, h2, h3, h4, h5 {
  font-family: var(--display);
  font-weight: 700;
  letter-spacing: -0.025em;
  line-height: 1.05;
  margin: 0 0 0.5em;
  color: var(--ink);
}
h1 { font-size: clamp(2.4rem, 5.5vw, 4.4rem); letter-spacing: -0.035em; }
h2 { font-size: clamp(2rem, 4vw, 3.2rem); letter-spacing: -0.03em; }
h3 { font-size: clamp(1.4rem, 2.4vw, 1.8rem); }
h4 { font-size: 1.15rem; font-weight: 600; letter-spacing: -0.01em; }

/* Headline accent words: colour shift only, no italic */
h1 em, h2 em, h3 em { font-style: normal; color: var(--accent, var(--gold)); font-weight: inherit; }

.eyebrow {
  display: inline-flex; align-items: center; gap: .5em;
  font-family: var(--body); font-size: .78rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: .14em;
  color: var(--navy);
  padding: .35em .85em;
  border: 1px solid rgba(230,180,123,0.55);
  border-radius: 999px;
  background: rgba(230,180,123,0.18);
}
.eyebrow.on-dark { color: var(--gold-soft); border-color: rgba(244,213,175,0.4); background: rgba(244,213,175,0.10); }

.lead { font-size: clamp(1.1rem, 1.5vw, 1.3rem); color: var(--slate); line-height: 1.55; max-width: 60ch; }
.muted { color: var(--slate); }
.tiny { font-size: .82rem; color: var(--slate); }

/* ============================================================
   Layout
   ============================================================ */
.container { max-width: var(--container); margin: 0 auto; padding: 0 var(--gutter); }
.container-narrow { max-width: var(--container-narrow); margin: 0 auto; padding: 0 var(--gutter); }
section { padding: clamp(4rem, 8vw, 7rem) 0; }
section.tight { padding: clamp(2.5rem, 5vw, 4rem) 0; }

.dark { background: var(--navy); color: var(--paper); }
.dark h1, .dark h2, .dark h3, .dark h4 { color: var(--paper); }
.dark .lead, .dark .muted { color: rgba(255,255,255,0.72); }
.dark a { color: var(--gold); }

.paper-2 { background: var(--paper-2); }

/* ============================================================
   Buttons
   ============================================================ */
.btn {
  display: inline-flex; align-items: center; gap: .55em;
  font-weight: 600; font-size: .98rem; letter-spacing: .005em;
  padding: .9em 1.55em;
  border-radius: 999px; border: 1px solid transparent;
  transition: all var(--t-quick);
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }

.btn-primary { background: var(--navy); color: var(--paper); }
.btn-primary:hover { background: var(--navy-2); color: var(--paper); }

.btn-gold,
.dark .btn-gold,
.hero .btn-gold,
.page-hero .btn-gold { background: var(--gold); color: var(--ink); }
.btn-gold:hover,
.dark .btn-gold:hover,
.hero .btn-gold:hover,
.page-hero .btn-gold:hover { background: var(--gold-2); color: var(--paper); }

.btn-ghost { background: transparent; color: var(--navy); border-color: rgba(48,60,64,0.2); }
.btn-ghost:hover { background: var(--navy); color: var(--paper); border-color: var(--navy); }

.dark .btn-ghost { color: var(--paper); border-color: rgba(255,255,255,0.25); }
.dark .btn-ghost:hover { background: var(--paper); color: var(--navy); }

.btn-lg { padding: 1.05em 1.85em; font-size: 1.02rem; }
.btn-sm { padding: .6em 1.15em; font-size: .88rem; }

/* ============================================================
   Header / nav
   ============================================================ */
.skip-link {
  position: absolute; left: -9999px; top: 0;
  background: var(--navy); color: var(--paper); padding: .8em 1em;
  z-index: 1000;
}
.skip-link:focus { left: 8px; top: 8px; }

.read-progress {
  position: fixed; left: 0; top: 0; height: 3px; width: 0;
  background: linear-gradient(90deg, var(--gold), var(--gold-2));
  z-index: 100; transition: width 80ms linear;
}

.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,0.85);
  backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--line);
  transition: background var(--t-quick), border-color var(--t-quick);
}
.site-header.scrolled { background: rgba(255,255,255,0.96); box-shadow: var(--shadow-sm); }

.header-inner {
  display: flex; align-items: center; gap: 2rem;
  min-height: 76px;
}

.brand {
  display: inline-flex; align-items: center; gap: .7rem;
  font-family: var(--display); font-weight: 700; font-size: 1.32rem;
  color: var(--ink); letter-spacing: -0.035em;
}
.brand-mark {
  width: 38px; height: 38px; flex-shrink: 0;
  border-radius: 50%;
  background: #0A0A0A; color: #FFFFFF;
  display: grid; place-items: center;
}
.brand-mark svg { width: 100%; height: 100%; display: block; }
.dark .brand-mark, .footer-brand .brand-mark { background: #FFFFFF; color: #0A0A0A; }
.brand-name { line-height: 1; }
.brand-sub { display: block; font-family: var(--body); font-size: .66rem; font-weight: 500; text-transform: uppercase; letter-spacing: .14em; color: var(--slate); margin-top: 3px; white-space: nowrap; }

.nav-primary { margin-left: auto; }
.nav-primary > ul { list-style: none; margin: 0; padding: 0; display: flex; gap: .25rem; align-items: center; }
.nav-primary > ul > li { position: relative; }
.nav-primary a, .nav-primary button {
  display: inline-flex; align-items: center; gap: .35em;
  background: none; border: 0;
  padding: .6em .8em;
  font-size: .92rem; font-weight: 500;
  color: var(--ink); border-radius: 8px;
  white-space: nowrap;
  transition: background var(--t-quick), color var(--t-quick);
}
.nav-primary a:hover, .nav-primary button:hover { background: rgba(48,60,64,0.06); color: var(--navy); }
.nav-primary a[aria-current="page"] { color: var(--navy); background: rgba(230,180,123,0.18); }
.nav-primary .chev { width: 11px; height: 11px; opacity: .6; transition: transform var(--t-quick); }
.nav-primary [aria-expanded="true"] .chev { transform: rotate(180deg); }

.dropdown {
  position: absolute; top: calc(100% + 6px); left: 0;
  min-width: 240px;
  background: var(--paper); border: 1px solid var(--line);
  border-radius: var(--radius); box-shadow: var(--shadow);
  padding: .5rem; list-style: none; margin: 0;
  opacity: 0; visibility: hidden; transform: translateY(-4px);
  transition: all var(--t-quick);
}
.dropdown.open, [data-dropdown]:hover .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown li { list-style: none; }
.dropdown a {
  display: block; width: 100%; padding: .7em .9em;
  border-radius: 8px; font-size: .92rem; font-weight: 500;
  color: var(--ink);
}
.dropdown .meta { display: block; font-size: .76rem; font-weight: 400; color: var(--slate); margin-top: 2px; }
.dropdown a:hover { background: rgba(48,60,64,0.05); color: var(--navy); }

.header-right { display: flex; align-items: center; gap: .8rem; }
/* Brand toggle pill, switches between wealthhealth (this site) and Coupland Consulting */
.brand-toggle {
  display: inline-flex; gap: 2px;
  padding: 3px;
  background: rgba(48,60,64,0.05);
  border: 1px solid var(--line);
  border-radius: 999px;
  font-family: 'JetBrains Mono', ui-monospace, monospace;
  font-size: .68rem;
  font-weight: 600;
  letter-spacing: .04em;
}
.brand-toggle a {
  padding: .4em .75em;
  border-radius: 999px;
  color: var(--slate);
  transition: all var(--t-quick);
  white-space: nowrap;
}
.brand-toggle a.active {
  background: var(--navy);
  color: var(--paper);
  font-weight: 700;
}
.brand-toggle a:not(.active):hover { color: var(--navy); background: rgba(48,60,64,0.04); }
@media (max-width: 1100px) { .brand-toggle { display: none; } }

.menu-toggle { display: none; width: 44px; height: 44px; background: none; border: 1px solid var(--line); border-radius: 10px; padding: 0; }
.menu-toggle .bars { display: block; width: 18px; height: 2px; background: var(--navy); margin: 0 auto; position: relative; }
.menu-toggle .bars::before, .menu-toggle .bars::after { content: ''; position: absolute; left: 0; width: 18px; height: 2px; background: var(--navy); transition: transform var(--t-quick); }
.menu-toggle .bars::before { top: -6px; }
.menu-toggle .bars::after { top: 6px; }

@media (max-width: 980px) {
  .nav-primary { display: none; }
  .menu-toggle { display: grid; place-items: center; }
  .header-right .nav-cta { display: none; }
}

/* Mobile drawer */
.mobile-drawer {
  position: fixed; top: 0; right: 0; bottom: 0;
  width: min(86vw, 340px);
  background: var(--navy); color: var(--paper);
  padding: 0; z-index: 60;
  transform: translateX(100%); transition: transform var(--t-med);
  display: flex; flex-direction: column; overflow-y: auto;
  box-shadow: -20px 0 50px rgba(0,0,0,0.45);
}
.mobile-drawer.open { transform: translateX(0); }

.drawer-head {
  display: flex; align-items: center; justify-content: space-between;
  padding: 1.2rem 1.4rem;
  border-bottom: 1px solid rgba(255,255,255,0.10);
  position: sticky; top: 0;
  background: var(--navy);
  z-index: 1;
}
.drawer-head .brand { font-size: 1.15rem; color: var(--paper); }
.drawer-head .brand-name { color: var(--paper); }
.drawer-head .brand-sub { color: rgba(255,255,255,0.55); }
.drawer-head .brand-mark { background: #FFFFFF; color: #0A0A0A; width: 34px; height: 34px; }
.drawer-close {
  width: 38px; height: 38px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: 50%;
  color: var(--paper);
  display: grid; place-items: center;
  cursor: pointer;
  transition: all var(--t-quick);
}
.drawer-close:hover { background: rgba(255,255,255,0.12); border-color: var(--gold); color: var(--gold); }
.drawer-close svg { width: 14px; height: 14px; }

.mobile-drawer nav { padding: 1rem 1.4rem 0; }
.mobile-drawer nav ul { list-style: none; margin: 0; padding: 0; }
.mobile-drawer nav li { border-bottom: 1px solid rgba(255,255,255,0.08); }
.mobile-drawer nav a {
  display: flex; align-items: center; gap: .9rem;
  padding: .95rem 0;
  font-family: var(--display); font-size: 1.1rem; color: var(--paper); font-weight: 700;
  letter-spacing: -0.02em;
  transition: color var(--t-quick), transform var(--t-quick);
}
.mobile-drawer nav a:hover, .mobile-drawer nav a:active { color: var(--gold); transform: translateX(4px); }
.mobile-drawer .num {
  font-family: 'JetBrains Mono', ui-monospace, monospace;
  font-size: .68rem; color: var(--gold);
  font-weight: 600; letter-spacing: .05em;
  flex-shrink: 0; min-width: 1.7em;
}

.drawer-foot {
  margin-top: auto;
  padding: 1.4rem;
  border-top: 1px solid rgba(255,255,255,0.10);
  display: flex; flex-direction: column; gap: 1rem;
}
.drawer-foot .brand-toggle {
  background: rgba(255,255,255,0.06);
  border-color: rgba(255,255,255,0.14);
  width: 100%; justify-content: stretch; display: flex;
}
.drawer-foot .brand-toggle a {
  flex: 1; text-align: center;
  color: rgba(255,255,255,0.65);
}
.drawer-foot .brand-toggle a.active {
  background: var(--gold); color: var(--ink); font-weight: 700;
}
.drawer-foot .drawer-cta {
  display: flex; align-items: center; justify-content: center;
  gap: .5em;
  width: 100%;
  padding: .85em 1em;
  background: var(--gold); color: var(--ink);
  border-radius: 999px;
  font-weight: 600; font-size: .92rem;
  transition: background var(--t-quick);
}
.drawer-foot .drawer-cta:hover { background: var(--gold-2); color: var(--paper); }
.drawer-foot .meta {
  font-family: 'JetBrains Mono', ui-monospace, monospace;
  font-size: .72rem; color: rgba(255,255,255,0.5);
  text-align: center; letter-spacing: .04em;
}

.scrim {
  position: fixed; inset: 0; background: rgba(48,60,64,0.5);
  z-index: 55; opacity: 0; visibility: hidden;
  transition: all var(--t-med);
}
.scrim.open { opacity: 1; visibility: visible; }

/* ============================================================
   Hero
   ============================================================ */
.hero {
  position: relative; overflow: hidden;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-3) 100%);
  color: var(--paper);
  padding: clamp(4rem, 9vw, 7rem) 0 clamp(5rem, 11vw, 9rem);
}
.hero .btn-ghost { color: var(--paper); border-color: rgba(255,255,255,0.28); }
.hero .btn-ghost:hover { background: var(--paper); color: var(--navy); border-color: var(--paper); }
.hero::before {
  content: ''; position: absolute; inset: 0;
  background:
    radial-gradient(circle at 80% 20%, rgba(230,180,123,0.18), transparent 55%),
    radial-gradient(circle at 10% 90%, rgba(45,70,100,0.6), transparent 60%);
  pointer-events: none;
}
.hero::after {
  content: ''; position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 56px 56px;
  mask-image: radial-gradient(ellipse at center, black 30%, transparent 80%);
  -webkit-mask-image: radial-gradient(ellipse at center, black 30%, transparent 80%);
  pointer-events: none;
}

.hero-inner { position: relative; display: grid; grid-template-columns: 1.15fr 1fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: center; }
@media (max-width: 980px) { .hero-inner { grid-template-columns: 1fr; } }

.hero h1 { color: var(--paper); }
.hero h1 .gold, .hero h1 em { color: var(--gold-soft); font-style: normal; font-weight: inherit; }
.hero .lead { color: rgba(255,255,255,0.78); margin-top: 1.25rem; }
.hero-cta { margin-top: 2rem; display: flex; gap: .8rem; flex-wrap: wrap; }
.hero-trust { margin-top: 2.5rem; display: flex; gap: 2rem; flex-wrap: wrap; }
.hero-trust .item { display: flex; flex-direction: column; gap: .15rem; }
.hero-trust .num { font-family: var(--display); font-size: 1.6rem; color: var(--gold); font-weight: 500; }
.hero-trust .label { font-size: .82rem; color: rgba(255,255,255,0.7); }

/* Hero visual: KiwiSaver + Mortgage + Insurance "balance" card */
.balance-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  backdrop-filter: blur(8px);
  position: relative; overflow: hidden;
}
.balance-card::before {
  content: ''; position: absolute; top: 0; right: 0; width: 60%; height: 100%;
  background: radial-gradient(circle at 80% 30%, rgba(230,180,123,0.18), transparent 60%);
  pointer-events: none;
}
.balance-head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 1.2rem; }
.balance-head .title { font-family: var(--display); font-size: 1.05rem; color: var(--paper); }
.balance-pill { font-size: .72rem; padding: .2em .7em; border-radius: 999px; background: rgba(230,180,123,0.25); color: #A6E0B3; border: 1px solid rgba(230,180,123,0.4); font-weight: 600; }
.balance-row { display: grid; grid-template-columns: 1fr auto; align-items: center; gap: 1rem; padding: 1rem 0; border-bottom: 1px solid rgba(255,255,255,0.08); }
.balance-row:last-of-type { border-bottom: 0; }
.balance-row .label { font-size: .9rem; color: rgba(255,255,255,0.85); display: flex; align-items: center; gap: .65em; }
.balance-row .icon { width: 32px; height: 32px; border-radius: 8px; background: rgba(230,180,123,0.15); display: grid; place-items: center; color: var(--gold); }
.balance-row .icon svg { width: 16px; height: 16px; }
.balance-row .score { font-family: var(--display); font-size: 1.4rem; color: var(--paper); font-weight: 500; }
.balance-row .score small { font-size: .65em; color: rgba(255,255,255,0.5); margin-left: .15em; }
.balance-foot { margin-top: 1rem; padding-top: 1.2rem; border-top: 1px solid rgba(255,255,255,0.08); display: flex; justify-content: space-between; align-items: center; gap: 1rem; font-size: .84rem; color: rgba(255,255,255,0.7); }

/* ============================================================
   Life events grid (the parallel nav)
   ============================================================ */
.life-events {
  background: var(--paper-2);
  padding-top: clamp(3rem, 6vw, 5rem); padding-bottom: clamp(3rem, 6vw, 5rem);
}
.life-events-head { display: flex; justify-content: space-between; align-items: end; gap: 2rem; flex-wrap: wrap; margin-bottom: 2.5rem; }
.life-events-head .title { max-width: 38ch; }
.life-grid {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1rem;
}
.life-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.4rem 1.3rem 1.3rem;
  text-align: left;
  position: relative; overflow: hidden;
  transition: all var(--t-med);
  display: flex; flex-direction: column; gap: .75rem;
  cursor: pointer;
}
.life-card::before {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(135deg, var(--navy), var(--navy-3));
  opacity: 0;
  transition: opacity var(--t-med);
  z-index: 0;
}
.life-card > * { position: relative; z-index: 1; }
.life-card .icon { width: 42px; height: 42px; border-radius: 10px; background: var(--paper-2); display: grid; place-items: center; color: var(--navy); transition: all var(--t-med); }
.life-card .icon svg { width: 22px; height: 22px; }
.life-card .label { font-family: var(--display); font-size: 1.15rem; color: var(--navy); transition: color var(--t-med); }
.life-card .blurb { font-size: .87rem; color: var(--slate); transition: color var(--t-med); }
.life-card .arrow { margin-top: auto; align-self: flex-end; width: 32px; height: 32px; border-radius: 50%; border: 1px solid var(--line); display: grid; place-items: center; color: var(--navy); transition: all var(--t-med); }
.life-card .arrow svg { width: 12px; height: 12px; }
.life-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.life-card:hover::before { opacity: 1; }
.life-card:hover .label { color: var(--paper); }
.life-card:hover .blurb { color: rgba(255,255,255,0.75); }
.life-card:hover .icon { background: rgba(230,180,123,0.15); color: var(--gold); }
.life-card:hover .arrow { background: var(--gold); color: var(--navy); border-color: var(--gold); }

/* ============================================================
   Services pillars
   ============================================================ */
.pillars {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.5rem;
}
.pillar {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 2rem 1.7rem;
  display: flex; flex-direction: column; gap: 1rem;
  transition: all var(--t-med);
  position: relative;
}
.pillar:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: rgba(230,180,123,0.4); }
.pillar .icon-lg { width: 56px; height: 56px; border-radius: 14px; background: var(--navy); color: var(--gold); display: grid; place-items: center; }
.pillar .icon-lg svg { width: 28px; height: 28px; }
.pillar h3 { margin: 0; }
.pillar ul { list-style: none; padding: 0; margin: 0; }
.pillar ul li { padding: .35rem 0; font-size: .92rem; color: var(--slate); border-bottom: 1px dashed var(--line); display: flex; justify-content: space-between; gap: .5rem; align-items: center; }
.pillar ul li:last-child { border-bottom: 0; }
.pillar ul li::before { content: ''; }
.pillar .pillar-cta { margin-top: auto; font-weight: 600; font-size: .9rem; color: var(--navy); display: inline-flex; align-items: center; gap: .4em; padding-top: .8rem; }
.pillar .pillar-cta:hover { color: var(--gold-2); }
.pillar .pillar-cta::after { content: '→'; transition: transform var(--t-quick); }
.pillar:hover .pillar-cta::after { transform: translateX(3px); }

/* ============================================================
   HealthCheck teaser block
   ============================================================ */
.healthcheck-teaser {
  background: var(--navy);
  color: var(--paper);
  border-radius: var(--radius-lg);
  padding: clamp(2rem, 5vw, 3.5rem);
  display: grid; grid-template-columns: 1.3fr 1fr; gap: clamp(2rem, 5vw, 4rem); align-items: center;
  position: relative; overflow: hidden;
}
.healthcheck-teaser::before {
  content: ''; position: absolute; right: -10%; top: -30%; width: 70%; height: 160%;
  background: radial-gradient(circle, rgba(230,180,123,0.18), transparent 60%);
  pointer-events: none;
}
@media (max-width: 800px) { .healthcheck-teaser { grid-template-columns: 1fr; } }
.healthcheck-teaser h2 { color: var(--paper); }
.healthcheck-teaser h2 em { color: var(--gold); font-style: normal; }
.healthcheck-teaser .lead { color: rgba(255,255,255,0.78); }
.healthcheck-teaser .meta { display: flex; gap: 1.5rem; flex-wrap: wrap; margin: 1.5rem 0 1.8rem; font-size: .88rem; color: rgba(255,255,255,0.7); }
.healthcheck-teaser .meta strong { color: var(--gold); }
.healthcheck-visual {
  position: relative; aspect-ratio: 1 / 1.05;
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius);
  background: rgba(255,255,255,0.04);
  padding: 1.25rem;
  display: flex; flex-direction: column; gap: .6rem;
  backdrop-filter: blur(6px);
}
.hc-mini { display: flex; align-items: center; gap: .8rem; padding: .65rem .85rem; background: rgba(255,255,255,0.05); border-radius: 10px; border: 1px solid rgba(255,255,255,0.08); }
.hc-mini .badge { width: 28px; height: 28px; border-radius: 7px; background: var(--gold); color: var(--navy); font-weight: 700; font-size: .78rem; display: grid; place-items: center; flex-shrink: 0; }
.hc-mini .text { font-size: .88rem; color: rgba(255,255,255,0.88); }
.hc-mini .text small { display: block; font-size: .72rem; color: rgba(255,255,255,0.55); margin-top: 1px; }
.hc-mini .pulse { margin-left: auto; width: 8px; height: 8px; border-radius: 50%; background: var(--good); box-shadow: 0 0 0 0 rgba(230,180,123,0.5); animation: pulse 2.2s infinite; }
@keyframes pulse {
  0%   { box-shadow: 0 0 0 0 rgba(230,180,123,0.5); }
  70%  { box-shadow: 0 0 0 12px rgba(230,180,123,0); }
  100% { box-shadow: 0 0 0 0 rgba(230,180,123,0); }
}

/* ============================================================
   OCR Watch / Insights cards
   ============================================================ */
.insights-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 1.5rem; }
.article-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.7rem;
  display: flex; flex-direction: column; gap: 1rem;
  transition: all var(--t-med);
  position: relative;
}
.article-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
a.article-card, a.article-card:hover { color: inherit; text-decoration: none; }
a.article-card:hover .tag:not(.live) { color: var(--gold-2); }
.article-card .tag { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .12em; color: var(--gold-2); }
.article-card .tag.live { color: var(--bad); display: inline-flex; align-items: center; gap: .4em; }
.article-card .tag.live::before { content: ''; width: 7px; height: 7px; background: var(--bad); border-radius: 50%; animation: blink 1.6s infinite; }
@keyframes blink { 50% { opacity: .3; } }
.article-card h3 { margin: 0; font-size: 1.3rem; }
.article-card .excerpt { font-size: .92rem; color: var(--slate); line-height: 1.55; }
.article-card .byline { display: flex; align-items: center; gap: .6rem; margin-top: auto; padding-top: 1rem; border-top: 1px solid var(--line); }
.article-card .byline img { width: 32px; height: 32px; border-radius: 50%; background: var(--navy); }
.article-card .byline .who { font-size: .82rem; font-weight: 600; color: var(--navy); }
.article-card .byline .when { font-size: .76rem; color: var(--slate); }

/* ============================================================
   Trust block
   ============================================================ */
.trust-block {
  background: var(--paper-2);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: clamp(2rem, 5vw, 3rem);
  display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 2rem;
}
.trust-item h4 { font-family: var(--body); font-size: .76rem; font-weight: 700; text-transform: uppercase; letter-spacing: .14em; color: var(--slate); margin-bottom: .8rem; }
.trust-item .big {
  font-family: var(--display);
  font-size: clamp(1.5rem, 3vw, 2.1rem);
  color: var(--navy);
  font-weight: 500;
  line-height: 1.1;
  margin-bottom: .35rem;
}
.trust-item .sml { font-size: .92rem; color: var(--slate); }
.trust-item .sml a { color: var(--gold-2); font-weight: 600; }
.trust-item .sml a:hover { text-decoration: underline; }

/* ============================================================
   Testimonial / review block
   ============================================================ */
.reviews { background: var(--navy); color: var(--paper); }
.reviews h2 { color: var(--paper); }
.reviews-head { display: flex; justify-content: space-between; align-items: end; gap: 2rem; flex-wrap: wrap; margin-bottom: 2.5rem; }
.reviews-rating { display: flex; align-items: center; gap: 1.2rem; }
.reviews-rating .score { font-family: var(--display); font-size: 3rem; line-height: 1; color: var(--gold); font-weight: 500; }
.reviews-rating .stars { color: var(--gold); font-size: 1.1rem; letter-spacing: .15em; }
.reviews-rating .meta { font-size: .9rem; color: rgba(255,255,255,0.7); }
.reviews-rating .meta a { color: var(--paper); text-decoration: underline; text-decoration-color: rgba(255,255,255,0.3); }

.review-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 1.5rem; }
.review {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: var(--radius);
  padding: 1.6rem;
  display: flex; flex-direction: column; gap: 1rem;
}
.review .stars { color: var(--gold); font-size: .92rem; letter-spacing: .15em; }
.review p { margin: 0; font-size: 1rem; color: rgba(255,255,255,0.92); line-height: 1.55; }
.review .by { display: flex; align-items: center; gap: .7rem; margin-top: auto; }
.review .by .av { width: 36px; height: 36px; border-radius: 50%; background: var(--gold); color: var(--navy); display: grid; place-items: center; font-weight: 700; font-size: .82rem; }
.review .by .nm { font-size: .9rem; font-weight: 600; color: var(--paper); }
.review .by .dt { font-size: .75rem; color: rgba(255,255,255,0.55); }

/* ============================================================
   Footer
   ============================================================ */
.site-footer {
  background: var(--navy);
  color: var(--paper);
  padding: clamp(3rem, 6vw, 5rem) 0 2rem;
  border-top: 1px solid rgba(255,255,255,0.08);
}
.footer-top { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 2rem; }
@media (max-width: 800px) { .footer-top { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .footer-top { grid-template-columns: 1fr; } }
.footer-top h4 { font-family: var(--body); font-size: .76rem; font-weight: 700; text-transform: uppercase; letter-spacing: .14em; color: var(--gold); margin-bottom: 1rem; }
.footer-top ul { list-style: none; margin: 0; padding: 0; }
.footer-top ul li { padding: .25rem 0; }
.footer-top a { font-size: .92rem; color: rgba(255,255,255,0.75); }
.footer-top a:hover { color: var(--gold); }
.footer-brand .brand { color: var(--paper); }
.footer-brand .brand-name { color: var(--paper); }
.footer-brand .brand-sub { color: rgba(255,255,255,0.5); }
.footer-brand .blurb { color: rgba(255,255,255,0.7); font-size: .92rem; margin-top: 1rem; max-width: 32ch; line-height: 1.55; }

.footer-license {
  margin-top: 3rem; padding-top: 2rem;
  border-top: 1px solid rgba(255,255,255,0.10);
  display: grid; grid-template-columns: 1fr auto; gap: 1.5rem;
  font-size: .82rem; color: rgba(255,255,255,0.6);
  align-items: center;
}
@media (max-width: 700px) { .footer-license { grid-template-columns: 1fr; } }
.footer-license .ids { display: flex; gap: 1.5rem; flex-wrap: wrap; }
.footer-license .ids span { display: inline-flex; align-items: center; gap: .4em; }
.footer-license .ids strong { color: var(--gold); font-weight: 600; }
.footer-license .ids a { color: rgba(255,255,255,0.85); text-decoration: underline; text-decoration-color: rgba(230,180,123,0.4); }

/* PlainBlack pulsing-icon attribution: icon-only, no brand name in client footers */
.pb-attrib {
  display: inline-flex; align-items: center;
  padding: 6px;
  border-radius: 999px;
  opacity: .85;
  transition: opacity var(--t-quick), transform var(--t-quick);
}
.pb-attrib:hover { opacity: 1; transform: scale(1.08); }
.pb-attrib img {
  width: 18px; height: 18px;
  filter: drop-shadow(0 0 6px rgba(76,222,128,0.55));
  animation: pbPulse 1.7s ease-in-out infinite;
}
@keyframes pbPulse {
  0%, 100% { transform: scale(1);    filter: drop-shadow(0 0 4px rgba(76,222,128,0.45)); }
  50%      { transform: scale(1.18); filter: drop-shadow(0 0 14px rgba(76,222,128,0.9)); }
}

/* Demo data banner */
.demo-banner {
  background: #FFF8E1;
  border-bottom: 1px solid #F0DFA5;
  color: #5A4A12;
  font-size: 12.5px;
  font-weight: 500;
  text-align: center;
  padding: 9px 16px;
}
.demo-banner strong { color: #3A2E04; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; font-size: 11px; margin-right: .4em; }
.demo-banner a { color: #3A2E04; text-decoration: underline; }
@media (max-width: 600px) { .demo-banner { font-size: 11px; padding: 8px 12px; } }

/* ============================================================
   Page hero (sub-pages)
   ============================================================ */
.page-hero {
  background: var(--navy); color: var(--paper);
  padding: clamp(4rem, 8vw, 6rem) 0 clamp(3rem, 6vw, 4.5rem);
  position: relative; overflow: hidden;
}
.page-hero::before {
  content: ''; position: absolute; inset: 0;
  background:
    radial-gradient(circle at 90% 10%, rgba(230,180,123,0.15), transparent 50%);
}
.page-hero-inner { position: relative; }
.page-hero h1 { color: var(--paper); max-width: 22ch; }
.page-hero h1 em { color: var(--gold-soft); font-style: normal; font-weight: inherit; }
.page-hero .lead { color: rgba(255,255,255,0.8); margin-top: 1.25rem; max-width: 56ch; }
.crumbs { font-size: .82rem; color: rgba(255,255,255,0.6); margin-bottom: 1.5rem; }
.crumbs a { color: var(--gold); }
.crumbs span { margin: 0 .55em; opacity: .5; }

/* ============================================================
   Author page (Meet Craig)
   ============================================================ */
.author-grid {
  display: grid; grid-template-columns: 320px 1fr; gap: clamp(2rem, 5vw, 4rem);
}
@media (max-width: 800px) { .author-grid { grid-template-columns: 1fr; } }
.author-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  position: sticky; top: 100px;
  align-self: start;
}
.author-photo {
  aspect-ratio: 1; width: 100%;
  background: var(--paper-2);
  border-radius: var(--radius);
  margin-bottom: 1.2rem;
  position: relative; overflow: hidden;
}
.author-photo img {
  width: 100%; height: 100%;
  object-fit: cover; object-position: center top;
  display: block;
}
.author-card h3 { margin: 0 0 .3rem; }
.author-card .role { font-size: .9rem; color: var(--slate); margin-bottom: 1rem; }
.author-card .credentials { display: flex; flex-direction: column; gap: .5rem; margin: 1.2rem 0; padding: 1rem 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.author-card .credentials .row { display: flex; justify-content: space-between; align-items: baseline; font-size: .85rem; gap: 1rem; }
.author-card .credentials .row .k { color: var(--slate); }
.author-card .credentials .row .v { font-weight: 600; color: var(--navy); text-align: right; }
.author-card .credentials .row .v a { color: var(--gold-2); text-decoration: underline; text-decoration-color: rgba(230,180,123,0.4); }
.author-card .btn { width: 100%; justify-content: center; }
.author-card .verify { margin-top: .7rem; text-align: center; font-size: .78rem; color: var(--slate); }
.author-card .verify a { color: var(--gold-2); }

.author-body h2 { margin-top: 2.5rem; }
.author-body h2:first-child { margin-top: 0; }
.author-body p { font-size: 1.04rem; color: var(--ink); line-height: 1.65; margin: 0 0 1.15em; max-width: 64ch; }
.author-body .pull {
  border-left: 3px solid var(--gold);
  padding: .5rem 0 .5rem 1.4rem; margin: 2rem 0;
  font-family: var(--display); font-size: 1.35rem; font-style: italic; color: var(--navy);
  line-height: 1.4;
}
.author-body .pull cite { display: block; margin-top: .8rem; font-family: var(--body); font-size: .82rem; font-style: normal; color: var(--slate); }
.author-body .pull cite a { color: var(--gold-2); text-decoration: underline; }

.timeline { margin: 2rem 0; padding: 0; list-style: none; border-left: 2px solid var(--line); }
.timeline li { position: relative; padding: 0 0 1.6rem 1.8rem; }
.timeline li::before { content: ''; position: absolute; left: -7px; top: 6px; width: 12px; height: 12px; border-radius: 50%; background: var(--gold); border: 3px solid var(--paper); }
.timeline .year { font-family: var(--display); font-size: 1.1rem; color: var(--navy); font-weight: 500; }
.timeline .what { font-size: .92rem; color: var(--slate); margin-top: .15rem; }

/* ============================================================
   HealthCheck quiz (interactive)
   ============================================================ */
.quiz-shell {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: clamp(1.5rem, 4vw, 3rem);
  max-width: 720px; margin: 0 auto;
  box-shadow: var(--shadow);
}
.quiz-progress {
  display: flex; gap: 4px; margin-bottom: 2rem;
}
.quiz-progress .seg {
  flex: 1; height: 4px; background: var(--line); border-radius: 999px;
  transition: background var(--t-quick);
}
.quiz-progress .seg.done { background: var(--gold); }
.quiz-progress .seg.active { background: var(--navy); }

.quiz-step { display: none; }
.quiz-step.active { display: block; animation: fadeIn 360ms var(--ease); }
@keyframes fadeIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: translateY(0); } }
@keyframes gaugeIn { to { stroke-dashoffset: var(--to); } }

.quiz-step .step-tag { font-size: .8rem; font-weight: 600; text-transform: uppercase; letter-spacing: .14em; color: var(--gold-2); margin-bottom: .5rem; }
.quiz-step h2 { font-size: clamp(1.5rem, 2.5vw, 1.9rem); }
.quiz-step .help { color: var(--slate); margin-bottom: 1.5rem; max-width: 56ch; }

.choice-list { display: flex; flex-direction: column; gap: .65rem; }
.choice {
  display: flex; align-items: center; gap: 1rem;
  padding: 1rem 1.2rem;
  border: 1.5px solid var(--line); border-radius: 12px;
  background: var(--paper);
  cursor: pointer;
  transition: all var(--t-quick);
  text-align: left;
}
.choice:hover { border-color: var(--gold); background: rgba(230,180,123,0.05); }
.choice.selected { border-color: var(--navy); background: var(--navy); color: var(--paper); }
.choice.selected .dot { background: var(--gold); border-color: var(--gold); }
.choice .dot { width: 18px; height: 18px; border-radius: 50%; border: 2px solid var(--line); flex-shrink: 0; transition: all var(--t-quick); }
.choice .label-wrap { display: flex; flex-direction: column; gap: 2px; }
.choice .label { font-weight: 600; font-size: 1rem; }
.choice .sublabel { font-size: .82rem; opacity: .7; }

.multi { display: grid; grid-template-columns: repeat(auto-fit, minmax(150px, 1fr)); gap: .6rem; }
.choice.multi-pick { display: flex; flex-direction: column; align-items: flex-start; padding: 1rem; gap: .5rem; }
.choice.multi-pick .check { width: 18px; height: 18px; border-radius: 5px; border: 2px solid var(--line); transition: all var(--t-quick); }
.choice.multi-pick.selected .check { background: var(--gold); border-color: var(--gold); }

.quiz-nav { display: flex; justify-content: space-between; gap: 1rem; margin-top: 2rem; padding-top: 1.5rem; border-top: 1px solid var(--line); }
.quiz-nav .btn-skip { background: none; border: 0; color: var(--slate); font-size: .9rem; cursor: pointer; padding: .9em 1.2em; }
.quiz-nav .btn-skip:hover { color: var(--navy); }

/* Quiz result */
.quiz-result { display: none; }
.quiz-result.active { display: block; animation: fadeIn 360ms var(--ease); }
.result-head { text-align: center; margin-bottom: 2.5rem; }
.result-head .eyebrow { margin-bottom: 1rem; }
.result-tabs {
  display: flex; gap: 4px; padding: 4px;
  background: var(--paper-2); border-radius: 999px;
  margin: 0 auto 2rem; max-width: max-content;
  flex-wrap: wrap; justify-content: center;
}
.result-tabs .tab {
  padding: .65em 1.4em; border-radius: 999px; border: 0; background: none;
  font-weight: 600; font-size: .88rem; color: var(--slate);
  cursor: pointer; transition: all var(--t-quick);
  display: inline-flex; align-items: center; gap: .5em;
}
.result-tabs .tab:hover { color: var(--navy); }
.result-tabs .tab.active { background: var(--navy); color: var(--paper); }
.result-tabs .tab .score-dot {
  width: 22px; height: 22px; border-radius: 50%;
  background: rgba(230,180,123,0.2); color: var(--navy);
  font-size: .68rem; font-weight: 700; display: grid; place-items: center;
}
.result-tabs .tab.active .score-dot { background: var(--gold); }

.result-panel { display: none; }
.result-panel.active { display: block; }

.result-score {
  display: grid; grid-template-columns: auto 1fr; gap: 1.5rem;
  background: var(--paper-2); border-radius: var(--radius);
  padding: 1.5rem; margin-bottom: 2rem; align-items: center;
}
.result-score .gauge {
  width: 110px; height: 110px; position: relative;
  display: grid; place-items: center;
}
.result-score .gauge svg { position: absolute; inset: 0; transform: rotate(-90deg); }
.result-score .gauge .num { font-family: var(--display); font-size: 2.2rem; color: var(--navy); font-weight: 500; }
.result-score .gauge .num small { font-size: .5em; color: var(--slate); }
.result-score .summary h3 { margin: 0 0 .35rem; font-size: 1.3rem; }
.result-score .summary p { margin: 0; color: var(--slate); font-size: .94rem; }

.insight-list { display: flex; flex-direction: column; gap: 1rem; margin-bottom: 2rem; }
.insight {
  display: grid; grid-template-columns: 40px 1fr; gap: 1rem;
  padding: 1.1rem 1.2rem;
  border: 1px solid var(--line); border-radius: var(--radius); background: var(--paper);
  align-items: start;
}
.insight .pip { width: 36px; height: 36px; border-radius: 10px; display: grid; place-items: center; flex-shrink: 0; }
.insight.good .pip { background: rgba(230,180,123,0.12); color: var(--good); }
.insight.warn .pip { background: rgba(194,65,12,0.12); color: var(--warn); }
.insight.bad  .pip { background: rgba(153,27,27,0.12);  color: var(--bad); }
.insight.info .pip { background: rgba(48,60,64,0.08);   color: var(--navy); }
.insight .pip svg { width: 18px; height: 18px; }
.insight h4 { margin: 0 0 .3rem; font-size: 1.02rem; font-family: var(--body); font-weight: 600; color: var(--navy); }
.insight p { margin: 0; font-size: .92rem; color: var(--slate); line-height: 1.55; }

.result-action {
  background: var(--navy); color: var(--paper);
  border-radius: var(--radius); padding: 1.7rem;
  display: grid; grid-template-columns: 1fr auto; gap: 1.5rem; align-items: center;
}
@media (max-width: 580px) { .result-action { grid-template-columns: 1fr; text-align: center; } }
.result-action h3 { color: var(--paper); margin: 0; font-size: 1.25rem; }
.result-action p { margin: .3rem 0 0; color: rgba(255,255,255,0.75); font-size: .92rem; }

.result-share {
  margin-top: 2rem; padding-top: 1.5rem; border-top: 1px solid var(--line);
  display: flex; justify-content: space-between; align-items: center; gap: 1rem; flex-wrap: wrap;
}
.result-share .url-pill {
  font-family: var(--mono); font-size: .82rem; color: var(--slate);
  background: var(--paper-2); padding: .5em .9em; border-radius: 999px;
  border: 1px dashed var(--line);
}

/* ============================================================
   Mortgages pillar
   ============================================================ */
.tldr {
  background: var(--paper-2);
  border-left: 3px solid var(--gold);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 1.5rem 1.7rem;
  margin: 0 0 2.5rem;
}
.tldr h4 { font-family: var(--body); font-size: .76rem; font-weight: 700; text-transform: uppercase; letter-spacing: .14em; color: var(--gold-2); margin-bottom: .7rem; }
.tldr p { margin: 0; font-size: 1rem; color: var(--ink); line-height: 1.55; max-width: 60ch; }
.tldr ul { margin: .7rem 0 0; padding-left: 1.2rem; }
.tldr ul li { font-size: .95rem; color: var(--ink); padding: .15rem 0; }

.prose { max-width: 68ch; margin: 0 auto; }
.prose h2 { margin-top: 3rem; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin-top: 2rem; }
.prose p { font-size: 1.05rem; line-height: 1.7; color: var(--ink); margin: 0 0 1.15em; }
.prose ul, .prose ol { padding-left: 1.4rem; }
.prose ul li, .prose ol li { margin: .35rem 0; }
.prose a:not(.btn) { color: var(--gold-2); text-decoration: underline; text-decoration-color: rgba(230,180,123,0.4); text-underline-offset: 3px; }
.prose a:not(.btn):hover { text-decoration-color: var(--gold-2); }

.faq { display: flex; flex-direction: column; gap: .6rem; max-width: 68ch; margin: 0 auto; }
.faq details {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  transition: border-color var(--t-quick);
}
.faq details[open] { border-color: var(--gold); box-shadow: var(--shadow-sm); }
.faq summary {
  padding: 1.2rem 1.4rem; cursor: pointer; list-style: none;
  font-family: var(--display); font-size: 1.1rem; color: var(--navy);
  display: flex; justify-content: space-between; align-items: center; gap: 1rem;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: '+'; font-family: var(--body); font-size: 1.5rem; color: var(--gold); transition: transform var(--t-quick); }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq .answer { padding: 0 1.4rem 1.4rem; font-size: 1rem; line-height: 1.65; color: var(--ink); }
.faq .answer p:first-child { margin-top: 0; }

.cite-bar {
  margin: 1rem 0 2rem;
  font-size: .82rem; color: var(--slate);
  display: flex; flex-wrap: wrap; gap: .35em .7em;
}
.cite-bar strong { color: var(--ink); }
.cite-bar a { color: var(--gold-2); text-decoration: underline; text-decoration-color: rgba(230,180,123,0.4); }

/* ============================================================
   Contact page
   ============================================================ */
.contact-grid { display: grid; grid-template-columns: 1fr 1.3fr; gap: clamp(2rem, 5vw, 4rem); }
@media (max-width: 900px) { .contact-grid { grid-template-columns: 1fr; } }
.contact-side h2 { margin-bottom: 1.2rem; }
.contact-side .lead { margin-bottom: 2rem; }
.contact-method { display: flex; align-items: center; gap: 1rem; padding: 1.1rem 1.3rem; background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); margin-bottom: .75rem; }
.contact-method .icon { width: 44px; height: 44px; border-radius: 10px; background: var(--navy); color: var(--gold); display: grid; place-items: center; flex-shrink: 0; }
.contact-method .icon svg { width: 20px; height: 20px; }
.contact-method .lbl { font-size: .76rem; color: var(--slate); text-transform: uppercase; letter-spacing: .12em; font-weight: 600; }
.contact-method .val { font-family: var(--display); font-size: 1.2rem; color: var(--navy); font-weight: 500; }
.contact-method a { color: var(--navy); }
.contact-method a:hover { color: var(--gold-2); }

.booking-shell {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: clamp(1.5rem, 4vw, 2.5rem);
}
.booking-shell .step { font-size: .76rem; color: var(--slate); text-transform: uppercase; letter-spacing: .12em; font-weight: 700; margin-bottom: 1rem; }
.booking-shell h3 { margin: 0 0 .5rem; }
.booking-shell .sub { font-size: .9rem; color: var(--slate); margin: 0 0 1.5rem; }

.topic-pick { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: .6rem; margin-bottom: 1.5rem; }
.topic-pick .tp {
  padding: .9rem 1rem;
  border: 1.5px solid var(--line); border-radius: 12px;
  background: var(--paper); cursor: pointer;
  transition: all var(--t-quick);
  text-align: center;
  font-weight: 600; font-size: .92rem; color: var(--navy);
}
.topic-pick .tp:hover { border-color: var(--gold); }
.topic-pick .tp.selected { background: var(--navy); color: var(--paper); border-color: var(--navy); }

.cal-mock {
  display: grid; grid-template-columns: 1fr 220px; gap: 1.5rem;
  border-top: 1px solid var(--line); padding-top: 1.5rem; margin-top: 1rem;
}
@media (max-width: 700px) { .cal-mock { grid-template-columns: 1fr; } }
.cal-mock .week { display: grid; grid-template-columns: repeat(7, 1fr); gap: 4px; }
.cal-mock .day { padding: .5rem .3rem; text-align: center; font-size: .8rem; color: var(--slate); border-radius: 8px; cursor: pointer; transition: all var(--t-quick); }
.cal-mock .day:hover:not(.off) { background: var(--paper-2); color: var(--navy); }
.cal-mock .day.off { opacity: .35; cursor: not-allowed; }
.cal-mock .day.today { font-weight: 700; color: var(--navy); }
.cal-mock .day.selected { background: var(--navy); color: var(--paper); }
.cal-mock .day .dn { display: block; font-family: var(--display); font-size: 1rem; margin-top: 2px; }
.cal-mock .slots { display: flex; flex-direction: column; gap: .35rem; max-height: 280px; overflow-y: auto; }
.cal-mock .slot {
  padding: .65rem .8rem;
  border: 1.5px solid var(--line); border-radius: 8px;
  font-size: .9rem; font-weight: 600; color: var(--navy);
  background: var(--paper); cursor: pointer; transition: all var(--t-quick);
  text-align: center;
}
.cal-mock .slot:hover { border-color: var(--gold); }
.cal-mock .slot.selected { background: var(--gold); border-color: var(--gold); }

/* ============================================================
   Section header kit (Bradley pattern)
   ============================================================ */
.section-head { max-width: 56ch; }
.section-head.center { margin: 0 auto; text-align: center; }
.section-head .eyebrow { margin-bottom: 1rem; }
.section-head h2 { margin: 0 0 1rem; }
.section-head .stripe { display: block; width: clamp(40px, 5vw, 64px); height: 3px; background: var(--gold); border-radius: 2px; margin: 1.4rem 0; }
.section-head.center .stripe { margin-left: auto; margin-right: auto; }

/* ============================================================
   Chip group (Bradley)
   ============================================================ */
.chip-group {
  display: flex; flex-wrap: wrap; gap: .5rem;
  margin: .8rem 0 0;
}
.chip {
  display: inline-flex; align-items: center; gap: .45em;
  padding: .55em 1.05em;
  border: 1.5px solid var(--line); border-radius: 999px;
  background: var(--paper);
  font-weight: 600; font-size: .92rem; color: var(--navy);
  cursor: pointer; transition: all var(--t-quick);
}
.chip:hover { border-color: var(--gold); }
.chip[aria-pressed="true"] { background: var(--navy); color: var(--paper); border-color: var(--navy); }
.chip[aria-pressed="true"] .chip-dot { background: var(--gold); }
.chip-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--line); transition: background var(--t-quick); }

/* ============================================================
   Field rows + slider (Bradley)
   ============================================================ */
.field { margin: 1.5rem 0; }
.field[hidden] { display: none !important; }
.field-label {
  display: flex; justify-content: space-between; align-items: baseline; gap: 1rem;
  margin-bottom: .65rem;
}
.field-label .lbl { font-weight: 600; font-size: 1rem; color: var(--navy); }
.field-label .val {
  font-family: var(--mono); font-size: 1.08rem; font-weight: 600;
  color: var(--gold-2); font-variant-numeric: tabular-nums;
}
.field-label .hint { font-size: .85rem; color: var(--slate); margin-top: .25rem; display: block; }

.range {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 6px;
  background: var(--line); border-radius: 999px;
  outline: none; cursor: pointer;
  background-image: linear-gradient(var(--gold), var(--gold));
  background-repeat: no-repeat;
}
.range::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--navy); border: 3px solid var(--gold);
  box-shadow: 0 2px 8px rgba(48,60,64,0.25);
  cursor: grab; transition: transform var(--t-quick);
}
.range::-webkit-slider-thumb:hover { transform: scale(1.1); }
.range::-webkit-slider-thumb:active { cursor: grabbing; transform: scale(1.05); }
.range::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--navy); border: 3px solid var(--gold);
  cursor: grab;
}

.input, .textarea {
  width: 100%; padding: .85em 1em;
  border: 1.5px solid var(--line); border-radius: 10px;
  background: var(--paper); font-family: inherit; font-size: 1rem; color: var(--ink);
  transition: all var(--t-quick);
}
.input:focus, .textarea:focus { border-color: var(--gold); outline: none; box-shadow: 0 0 0 3px rgba(230,180,123,0.18); }
.textarea { min-height: 120px; resize: vertical; }

/* ============================================================
   Estimate readout block (Bradley)
   ============================================================ */
.estimate-readout {
  background: linear-gradient(135deg, var(--navy), var(--navy-3));
  color: var(--paper); border-radius: var(--radius-lg);
  padding: clamp(1.5rem, 4vw, 2.2rem);
  display: grid; grid-template-columns: 1fr auto; gap: 1.5rem; align-items: center;
  margin: 2rem 0;
  position: relative; overflow: hidden;
}
.estimate-readout::before { content: ''; position: absolute; right: 0; top: 0; width: 50%; height: 100%; background: radial-gradient(circle at 80% 20%, rgba(230,180,123,0.18), transparent 60%); pointer-events: none; }
.estimate-readout .label { font-size: .82rem; text-transform: uppercase; letter-spacing: .14em; color: rgba(255,255,255,0.7); font-weight: 700; }
.estimate-readout .big {
  font-family: var(--display); font-size: clamp(2rem, 4vw, 3rem);
  color: var(--gold); font-weight: 500; line-height: 1;
  font-variant-numeric: tabular-nums;
  margin-top: .4rem;
}
.estimate-readout .sub { font-size: .92rem; color: rgba(255,255,255,0.75); margin-top: .4rem; max-width: 32ch; }
@media (max-width: 560px) { .estimate-readout { grid-template-columns: 1fr; } }

/* ============================================================
   Before / after drag slider (Bradley)
   ============================================================ */
.before-after {
  position: relative; aspect-ratio: 16/10;
  border-radius: var(--radius); overflow: hidden;
  user-select: none; touch-action: none;
  background: var(--navy);
  box-shadow: var(--shadow);
}
.before-after .ba-layer { position: absolute; inset: 0; padding: 1.5rem 1.8rem; display: flex; flex-direction: column; justify-content: flex-end; gap: .35rem; }
.before-after .ba-before { background: linear-gradient(135deg, #3a2a1a, #1f1610); color: var(--paper); }
.before-after .ba-after  { background: linear-gradient(135deg, var(--navy), var(--navy-3)); color: var(--paper); clip-path: inset(0 0 0 50%); }
.before-after .ba-label { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .14em; color: var(--gold); }
.before-after .ba-content { font-family: var(--display); font-size: clamp(1.4rem, 2.6vw, 2.1rem); line-height: 1.15; max-width: 18ch; }
.before-after .ba-content small { display: block; font-family: var(--body); font-size: .85rem; font-weight: 500; color: rgba(255,255,255,0.75); margin-top: .5rem; max-width: 32ch; }
.before-after .ba-handle {
  position: absolute; top: 0; bottom: 0; left: 50%;
  width: 2px; background: var(--gold);
  transform: translateX(-1px);
  cursor: ew-resize;
}
.before-after .ba-knob {
  position: absolute; left: 50%; top: 50%;
  transform: translate(-50%, -50%);
  width: 48px; height: 48px; border-radius: 50%;
  background: var(--gold); color: var(--navy);
  display: grid; place-items: center;
  font-weight: 700; box-shadow: 0 4px 16px rgba(48,60,64,0.4);
}
.before-after .ba-knob svg { width: 20px; height: 20px; }

/* ============================================================
   Dual landing tabs (PlainBlack pattern)
   ============================================================ */
.dual-landing { margin: 2.5rem 0; }
.dual-tabs {
  display: inline-flex; gap: 4px; padding: 5px;
  background: var(--paper-2); border-radius: 999px;
  margin-bottom: 1.5rem;
}
.dual-tabs .tab {
  padding: .7em 1.5em; border-radius: 999px; border: 0; background: none;
  font-weight: 600; font-size: .92rem; color: var(--slate);
  cursor: pointer; transition: all var(--t-quick);
}
.dual-tabs .tab:hover { color: var(--navy); }
.dual-tabs .tab[aria-selected="true"] { background: var(--navy); color: var(--paper); }
.dual-panel { display: none; }
.dual-panel.active { display: block; animation: fadeIn 320ms var(--ease); }

/* ============================================================
   Capacity strip (Bradley)
   ============================================================ */
.capacity-strip {
  display: inline-flex; align-items: center; gap: .8rem;
  padding: .65em 1.2em;
  background: rgba(230,180,123,0.10);
  border: 1px solid rgba(230,180,123,0.35);
  border-radius: 999px;
  font-size: .9rem; font-weight: 600; color: var(--good);
}
.capacity-strip[data-state="waitlist"] { background: rgba(194,65,12,0.10); border-color: rgba(194,65,12,0.4); color: var(--warn); }
.capacity-strip[data-state="full"] { background: rgba(153,27,27,0.10); border-color: rgba(153,27,27,0.4); color: var(--bad); }
.capacity-strip .cap-dot { width: 8px; height: 8px; border-radius: 50%; background: currentColor; box-shadow: 0 0 0 0 currentColor; animation: capPulse 2.2s infinite; }
@keyframes capPulse { 0%,100% { box-shadow: 0 0 0 0 currentColor; opacity: 1; } 50% { box-shadow: 0 0 0 8px transparent; opacity: .6; } }

/* ============================================================
   Reveal-phone (Bradley)
   ============================================================ */
.reveal-phone {
  display: inline-flex; align-items: center; gap: .65em;
  padding: .9em 1.5em; border-radius: 999px;
  background: var(--paper); border: 1.5px solid var(--line);
  font-family: var(--mono); font-size: 1rem; font-weight: 600;
  color: var(--navy);
  cursor: pointer; transition: all var(--t-quick);
}
.reveal-phone:hover { border-color: var(--gold); }
.reveal-phone.revealed { background: var(--navy); color: var(--gold); border-color: var(--navy); }
.reveal-phone .rp-icon { width: 18px; height: 18px; flex-shrink: 0; }
.reveal-phone .rp-num { font-variant-numeric: tabular-nums; letter-spacing: .04em; }

/* ============================================================
   Counter tick-ups
   ============================================================ */
.tick-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 2rem; }
.tick {
  text-align: left; padding: .5rem 0;
  border-left: 3px solid var(--gold); padding-left: 1.2rem;
}
.tick .tick-num { font-family: var(--display); font-size: clamp(2rem, 4vw, 2.8rem); color: var(--navy); font-weight: 500; line-height: 1; font-variant-numeric: tabular-nums; }
.tick .tick-label { font-size: .88rem; color: var(--slate); margin-top: .4rem; }
.dark .tick .tick-num { color: var(--paper); }
.dark .tick .tick-label { color: rgba(255,255,255,0.7); }

/* ============================================================
   Polaroid carousel (McIndoe)
   ============================================================ */
.reels {
  display: flex; gap: 1.5rem;
  overflow-x: auto; scroll-snap-type: x mandatory;
  padding: 2rem 0 2.5rem;
  scrollbar-width: thin;
}
.reel {
  flex: 0 0 280px; scroll-snap-align: start;
  background: var(--paper);
  border: 1px solid var(--line); border-radius: 4px;
  padding: 1rem 1rem 1.5rem;
  box-shadow: var(--shadow); transition: transform var(--t-med);
}
.reel:nth-child(odd) { transform: rotate(-1.2deg); }
.reel:nth-child(even) { transform: rotate(1.5deg); }
.reel:hover { transform: rotate(0deg) scale(1.02); }
.reel .reel-photo { aspect-ratio: 4/3; background: linear-gradient(135deg, var(--navy), var(--navy-3)); border-radius: 2px; margin-bottom: 1rem; display: grid; place-items: center; color: var(--gold); font-family: var(--display); font-size: 1.8rem; padding: 1rem; text-align: center; }
.reel .reel-note { font-family: 'Permanent Marker', 'Caveat', cursive; font-size: 1.15rem; color: var(--navy); line-height: 1.3; }
.reel .reel-sub { font-size: .78rem; color: var(--slate); margin-top: .3rem; }

/* ============================================================
   .split two-column
   ============================================================ */
.split { display: grid; grid-template-columns: 1.1fr 1fr; gap: clamp(2rem, 5vw, 4rem); align-items: start; }
@media (max-width: 800px) { .split { grid-template-columns: 1fr; } }

.dl-pillar { display: flex; flex-direction: column; gap: 1.5rem; }
.dl-pillar .item { border-left: 3px solid var(--gold); padding: .3rem 0 .3rem 1.3rem; }
.dl-pillar .item h4 { margin: 0 0 .3rem; font-family: var(--display); font-size: 1.15rem; font-weight: 500; color: var(--navy); }
.dl-pillar .item p { margin: 0; font-size: .96rem; color: var(--slate); line-height: 1.55; }

/* ============================================================
   Service card (photo overlay, Bradley pattern)
   ============================================================ */
.service-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 1.5rem; }
.service-card {
  position: relative; overflow: hidden;
  border-radius: var(--radius);
  min-height: 280px;
  display: flex; flex-direction: column; justify-content: flex-end;
  padding: 1.8rem;
  color: var(--paper);
  isolation: isolate;
  cursor: pointer;
  transition: transform var(--t-med);
}
.service-card::before {
  content: ''; position: absolute; inset: 0; z-index: -2;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-3) 60%, #2A4F8A 100%);
  transition: transform var(--t-med);
}
.service-card::after {
  content: ''; position: absolute; inset: 0; z-index: -1;
  background:
    radial-gradient(circle at 80% 20%, rgba(230,180,123,0.25), transparent 50%),
    linear-gradient(to top, rgba(0,0,0,0.5), transparent 60%);
}
.service-card:hover { transform: translateY(-4px); }
.service-card:hover::before { transform: scale(1.04); }
.service-card .sc-tag { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .14em; color: var(--gold); margin-bottom: .5rem; }
.service-card h3 { color: var(--paper); margin: 0 0 .4rem; font-size: 1.4rem; }
.service-card p { margin: 0 0 1rem; color: rgba(255,255,255,0.8); font-size: .92rem; line-height: 1.5; }
.service-card .sc-cta { display: inline-flex; align-items: center; gap: .4em; font-weight: 600; color: var(--gold); font-size: .88rem; }
.service-card .sc-cta::after { content: '→'; transition: transform var(--t-quick); }
.service-card:hover .sc-cta::after { transform: translateX(3px); }

/* ============================================================
   Case study card
   ============================================================ */
.case-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(290px, 1fr)); gap: 1.5rem; }
.case {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.7rem;
  display: flex; flex-direction: column; gap: 1rem;
}
.case-head { display: flex; justify-content: space-between; align-items: baseline; gap: 1rem; padding-bottom: 1rem; border-bottom: 1px solid var(--line); }
.case-tag { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .14em; color: var(--gold-2); }
.case-num { font-family: var(--display); font-size: 1.7rem; color: var(--navy); font-weight: 500; line-height: 1; }
.case h3 { font-size: 1.2rem; margin: 0; }
.case p { font-size: .92rem; color: var(--slate); line-height: 1.55; margin: 0; }
.case .case-outcome {
  margin-top: auto; padding-top: 1rem; border-top: 1px dashed var(--line);
  font-size: .85rem; color: var(--good); font-weight: 600;
  display: flex; align-items: center; gap: .4em;
}
.case .case-outcome::before { content: '↑'; font-weight: 700; }

/* ============================================================
   Scroll target offset (anchor link clearance)
   ============================================================ */
html { scroll-padding-top: 90px; }
[id] { scroll-margin-top: 90px; }

/* ============================================================
   Utility
   ============================================================ */
.center { text-align: center; }
.mx-auto { margin-left: auto; margin-right: auto; }
.mt-1 { margin-top: 1rem; } .mt-2 { margin-top: 2rem; } .mt-3 { margin-top: 3rem; }
.mb-1 { margin-bottom: 1rem; } .mb-2 { margin-bottom: 2rem; } .mb-3 { margin-bottom: 3rem; }
.flex { display: flex; } .flex-col { display: flex; flex-direction: column; }
.gap-1 { gap: 1rem; } .gap-2 { gap: 2rem; }
.items-center { align-items: center; }
.justify-between { justify-content: space-between; }
.flex-wrap { flex-wrap: wrap; }

.body-lock { overflow: hidden; }

/* ============================================================
   Scroll reveal, fade-up as elements enter viewport
   ============================================================ */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 700ms cubic-bezier(.2,.7,.2,1), transform 700ms cubic-bezier(.2,.7,.2,1);
  will-change: opacity, transform;
}
.reveal.revealed { opacity: 1; transform: translateY(0); }
.reveal[data-reveal-delay="1"] { transition-delay: 80ms; }
.reveal[data-reveal-delay="2"] { transition-delay: 160ms; }
.reveal[data-reveal-delay="3"] { transition-delay: 240ms; }
.reveal[data-reveal-delay="4"] { transition-delay: 320ms; }
.reveal[data-reveal-delay="5"] { transition-delay: 400ms; }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
}

/* ============================================================
   Balance card animation (hero score reveal)
   ============================================================ */
.balance-row .score-track {
  position: absolute; left: 0; right: 0; bottom: 0;
  height: 1px; background: linear-gradient(90deg, var(--gold), var(--gold-soft));
  opacity: 0; transform: scaleX(0); transform-origin: left;
  transition: opacity 600ms ease, transform 1200ms cubic-bezier(.2,.7,.2,1);
}
.balance-row.revealed .score-track { opacity: .6; transform: scaleX(var(--fill, 0.7)); }
.balance-row { position: relative; }
.balance-row .score [data-balance-num] {
  display: inline-block;
  font-variant-numeric: tabular-nums;
}

/* ============================================================
   Subtle link underline polish (prose only)
   ============================================================ */
.prose a:not(.btn) {
  background-image: linear-gradient(currentColor, currentColor);
  background-size: 0 1px;
  background-repeat: no-repeat;
  background-position: 0 100%;
  transition: background-size 300ms ease;
  text-decoration: none !important;
}
.prose a:not(.btn):hover { background-size: 100% 1px; }

/* ============================================================
   OCR Countdown widget
   ============================================================ */
.ocr-countdown {
  display: inline-flex; align-items: center; gap: 1rem;
  margin-top: 2rem;
  padding: 12px 18px;
  background: rgba(230,180,123,0.10);
  border: 1px solid rgba(230,180,123,0.30);
  border-radius: 12px;
}
.ocr-countdown .ocr-dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--gold);
  box-shadow: 0 0 0 0 rgba(230,180,123,0.6);
  animation: ocrPulse 1.8s infinite;
  flex-shrink: 0;
}
@keyframes ocrPulse {
  0%,100% { box-shadow: 0 0 0 0 rgba(230,180,123,0.6); }
  70% { box-shadow: 0 0 0 9px rgba(230,180,123,0); }
}
.ocr-countdown .ocr-label {
  font-size: .72rem; text-transform: uppercase; letter-spacing: .14em;
  font-weight: 700; color: var(--gold-soft);
}
.ocr-countdown .ocr-text {
  color: var(--paper); font-size: .94rem;
}
.ocr-countdown .ocr-text strong {
  font-family: var(--display); font-weight: 700;
  font-variant-numeric: tabular-nums;
  color: var(--gold-soft);
}
.ocr-countdown a {
  margin-left: auto; padding-left: 1rem;
  border-left: 1px solid rgba(230,180,123,0.30);
  font-size: .85rem; font-weight: 600;
  color: var(--gold-soft);
  white-space: nowrap;
}
.ocr-countdown a:hover { color: var(--paper); }
@media (max-width: 600px) {
  .ocr-countdown { flex-wrap: wrap; gap: .6rem; padding: 10px 14px; }
  .ocr-countdown a { margin-left: 0; padding-left: 0; border-left: 0; padding-top: .4rem; border-top: 1px solid rgba(230,180,123,0.30); width: 100%; }
}

/* ============================================================
   Quote-Fit Filter
   ============================================================ */
.qf-shell {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: clamp(1.5rem, 4vw, 2.5rem);
  max-width: 880px;
  margin: 0 auto;
  box-shadow: var(--shadow);
  position: relative;
}

.qf-mode-tabs {
  display: inline-flex; gap: 4px; padding: 5px;
  background: var(--paper-2); border-radius: 999px;
  margin: 0 auto 2.2rem;
  flex-wrap: wrap; justify-content: center;
}
.qf-mode-tabs-wrap { display: flex; justify-content: center; }
.qf-mode-tabs .tab {
  padding: .7em 1.5em; border-radius: 999px; border: 0; background: none;
  font-weight: 600; font-size: .92rem; color: var(--slate);
  cursor: pointer; transition: all var(--t-quick);
  display: inline-flex; align-items: center; gap: .55em;
}
.qf-mode-tabs .tab:hover { color: var(--navy); }
.qf-mode-tabs .tab[aria-selected="true"] { background: var(--navy); color: var(--paper); }
.qf-mode-tabs .tab svg { width: 16px; height: 16px; }

.qf-mode-panel { display: none; }
.qf-mode-panel.active { display: block; animation: fadeIn 320ms var(--ease); }
.qf-intro { text-align: center; max-width: 56ch; margin: 0 auto 1.8rem; color: var(--slate); font-size: .98rem; line-height: 1.55; }
.qf-intro strong { color: var(--ink); }

.qf-form { display: grid; gap: 1.2rem; }
.qf-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.qf-row.triple { grid-template-columns: 1fr 1fr 1fr; }
@media (max-width: 640px) { .qf-row, .qf-row.triple { grid-template-columns: 1fr; } }

.qf-field label {
  display: block;
  font-size: .76rem; font-weight: 700; color: var(--slate);
  margin-bottom: .45rem;
  text-transform: uppercase; letter-spacing: .1em;
}
.qf-field select, .qf-field input[type="number"], .qf-field input[type="text"] {
  width: 100%; padding: .85em 1em;
  border: 1.5px solid var(--line); border-radius: 10px;
  background: var(--paper); font-family: inherit; font-size: 1rem; color: var(--ink);
  font-variant-numeric: tabular-nums;
  transition: all var(--t-quick);
  appearance: none; -webkit-appearance: none;
}
.qf-field select {
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'><path d='M2 4l4 4 4-4' stroke='%235A6A75' stroke-width='1.5' fill='none' stroke-linecap='round' stroke-linejoin='round'/></svg>");
  background-repeat: no-repeat; background-position: right 1rem center; background-size: 12px;
  padding-right: 2.5rem;
}
.qf-field input:focus, .qf-field select:focus {
  border-color: var(--gold); outline: none; box-shadow: 0 0 0 3px rgba(230,180,123,0.18);
}
.qf-field .hint { font-size: .78rem; color: var(--slate); margin-top: .35rem; }
.qf-field .input-money { position: relative; }
.qf-field .input-money::before {
  content: '$'; position: absolute; left: 1em; top: 50%; transform: translateY(-50%);
  color: var(--slate); font-weight: 600; pointer-events: none;
}
.qf-field .input-money input { padding-left: 1.9em; }
.qf-field .input-pct { position: relative; }
.qf-field .input-pct::after {
  content: '%'; position: absolute; right: 1em; top: 50%; transform: translateY(-50%);
  color: var(--slate); font-weight: 600; pointer-events: none;
}

.qf-submit-row {
  display: flex; gap: 1rem; align-items: center; justify-content: space-between;
  padding-top: 1.4rem; margin-top: .5rem;
  border-top: 1px solid var(--line);
}
.qf-disclaimer { font-size: .8rem; color: var(--slate); max-width: 42ch; line-height: 1.45; }
.qf-disclaimer strong { color: var(--ink); }

/* Result */
.qf-result {
  margin-top: 2.5rem; padding-top: 2.5rem;
  border-top: 1px solid var(--line);
  display: none;
}
.qf-result.active { display: block; animation: fadeIn 500ms var(--ease); }

.qf-verdict {
  display: grid; grid-template-columns: auto 1fr; gap: 1.5rem; align-items: center;
  padding: 1.7rem 1.9rem;
  border-radius: var(--radius);
  background: var(--paper-2);
  margin-bottom: 2rem;
}
@media (max-width: 580px) { .qf-verdict { grid-template-columns: 1fr; text-align: center; } }
.qf-badge {
  font-family: var(--display); font-size: 1.4rem; font-weight: 700;
  letter-spacing: -0.005em; padding: .38em 1.1em;
  border-radius: 999px;
  text-transform: uppercase;
  white-space: nowrap;
}
.qf-verdict.fair .qf-badge       { background: var(--navy); color: var(--paper); }
.qf-verdict.negotiable .qf-badge { background: var(--gold); color: var(--ink); }
.qf-verdict.suboptimal .qf-badge { background: var(--bad);  color: var(--paper); }
.qf-verdict h3 { margin: 0 0 .25rem; font-size: 1.35rem; color: var(--ink); }
.qf-verdict p { margin: 0; color: var(--slate); font-size: .98rem; line-height: 1.5; }

.qf-criteria { display: grid; gap: .9rem; margin-bottom: 2rem; }
.qf-criterion {
  display: grid; grid-template-columns: 44px 1fr auto; gap: 1.2rem;
  padding: 1.2rem 1.3rem;
  border: 1px solid var(--line); border-radius: var(--radius); background: var(--paper);
  align-items: start;
}
.qf-criterion .pip { width: 40px; height: 40px; border-radius: 10px; display: grid; place-items: center; flex-shrink: 0; }
.qf-criterion.good .pip { background: rgba(22,101,52,0.10); color: var(--good); }
.qf-criterion.warn .pip { background: rgba(194,65,12,0.10); color: var(--warn); }
.qf-criterion.bad  .pip { background: rgba(153,27,27,0.10); color: var(--bad); }
.qf-criterion .pip svg { width: 22px; height: 22px; }
.qf-criterion .crit-body h4 { margin: 0 0 .25rem; font-size: 1.02rem; font-family: var(--body); font-weight: 600; color: var(--navy); }
.qf-criterion .crit-body p { margin: 0; font-size: .92rem; color: var(--slate); line-height: 1.55; }
.qf-criterion .delta {
  font-family: var(--mono); font-size: .82rem; font-weight: 700;
  padding: .28em .65em; border-radius: 6px;
  white-space: nowrap; align-self: start;
}
.qf-criterion.good .delta { color: var(--good); background: rgba(22,101,52,0.08); }
.qf-criterion.warn .delta { color: var(--warn); background: rgba(194,65,12,0.08); }
.qf-criterion.bad  .delta { color: var(--bad);  background: rgba(153,27,27,0.08); }
@media (max-width: 580px) { .qf-criterion { grid-template-columns: 44px 1fr; } .qf-criterion .delta { grid-column: 2; margin-top: .5rem; } }

.qf-action {
  background: linear-gradient(135deg, var(--navy), var(--navy-3));
  color: var(--paper);
  border-radius: var(--radius);
  padding: 1.7rem 1.9rem;
  display: grid; grid-template-columns: 1fr auto; gap: 1.5rem; align-items: center;
}
.qf-action h3 { color: var(--paper); margin: 0; font-size: 1.25rem; }
.qf-action p { margin: .3rem 0 0; color: rgba(255,255,255,0.78); font-size: .94rem; }
@media (max-width: 580px) { .qf-action { grid-template-columns: 1fr; text-align: center; } }

.qf-rerun {
  margin-top: 1.5rem; text-align: center;
}
.qf-rerun button {
  background: none; border: 0; color: var(--slate);
  font-size: .9rem; cursor: pointer; padding: .8em 1.2em;
  text-decoration: underline;
}
.qf-rerun button:hover { color: var(--navy); }

/* ============================================================
   AI Chat widget, "Ask wealthhealth"
   Floating launcher + panel, site-wide
   ============================================================ */
.chat-launcher {
  position: fixed; right: 22px; bottom: 22px;
  width: 60px; height: 60px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--ink);
  border: 0;
  box-shadow: 0 8px 28px rgba(39,58,84,0.28), 0 2px 8px rgba(39,58,84,0.18);
  cursor: pointer; z-index: 70;
  display: grid; place-items: center;
  transition: transform var(--t-med), box-shadow var(--t-med);
}
.chat-launcher:hover { transform: translateY(-2px) scale(1.04); box-shadow: 0 14px 36px rgba(39,58,84,0.32); }
.chat-launcher:active { transform: translateY(0) scale(1); }
.chat-launcher svg { width: 26px; height: 26px; }
.chat-launcher::after {
  content: ''; position: absolute; inset: -4px; border-radius: 50%;
  border: 2px solid var(--gold); opacity: 0;
  animation: chatPulse 2.6s ease-out infinite;
  pointer-events: none;
}
@keyframes chatPulse {
  0%   { transform: scale(0.85); opacity: .65; }
  100% { transform: scale(1.5); opacity: 0; }
}
.chat-launcher .label {
  position: absolute; right: calc(100% + 12px); top: 50%; transform: translateY(-50%);
  white-space: nowrap;
  background: var(--ink); color: var(--paper);
  padding: 7px 12px; border-radius: 999px;
  font-size: .82rem; font-weight: 600;
  opacity: 0; transition: opacity var(--t-quick);
  pointer-events: none;
}
.chat-launcher:hover .label { opacity: 1; }
.chat-launcher.open { background: var(--navy); color: var(--paper); }
.chat-launcher.open svg.icon-chat { display: none; }
.chat-launcher svg.icon-close { display: none; }
.chat-launcher.open svg.icon-close { display: block; }

.chat-panel {
  position: fixed; right: 22px; bottom: 96px;
  width: 380px; max-width: calc(100vw - 32px);
  height: min(620px, calc(100vh - 130px));
  background: var(--paper);
  border-radius: var(--radius-lg);
  box-shadow: 0 24px 64px rgba(39,58,84,0.28), 0 4px 12px rgba(39,58,84,0.15);
  display: flex; flex-direction: column;
  overflow: hidden;
  transform: translateY(20px) scale(.96); opacity: 0; pointer-events: none;
  transition: all var(--t-med);
  z-index: 70;
  border: 1px solid var(--line);
}
.chat-panel.open { transform: translateY(0) scale(1); opacity: 1; pointer-events: auto; }

@media (max-width: 480px) {
  .chat-panel { right: 8px; left: 8px; bottom: 84px; width: auto; height: calc(100vh - 100px); }
  .chat-launcher { right: 16px; bottom: 16px; }
}

.chat-head {
  padding: 18px 20px;
  background: var(--ink);
  color: var(--paper);
  display: flex; align-items: center; gap: 12px;
  flex-shrink: 0;
}
.chat-head .avatar {
  width: 36px; height: 36px; border-radius: 50%;
  background: #FFF; color: var(--ink);
  display: grid; place-items: center;
  flex-shrink: 0;
}
.chat-head .avatar svg { width: 100%; height: 100%; }
.chat-head .who { flex: 1; min-width: 0; }
.chat-head .who .name { font-weight: 700; font-size: 1rem; letter-spacing: -0.01em; }
.chat-head .who .status { font-size: .76rem; color: rgba(255,255,255,0.65); display: flex; align-items: center; gap: .4em; }
.chat-head .who .dot { width: 7px; height: 7px; border-radius: 50%; background: #4ADE80; box-shadow: 0 0 0 0 rgba(76,222,128,0.6); animation: chatStatusPulse 2s infinite; }
@keyframes chatStatusPulse { 0%,100% { box-shadow: 0 0 0 0 rgba(76,222,128,0.6); } 70% { box-shadow: 0 0 0 8px rgba(76,222,128,0); } }
.chat-head .min-btn {
  width: 32px; height: 32px; border-radius: 50%;
  background: rgba(255,255,255,0.08); color: var(--paper);
  border: 0; cursor: pointer;
  display: grid; place-items: center;
  transition: background var(--t-quick);
}
.chat-head .min-btn:hover { background: rgba(255,255,255,0.18); }
.chat-head .min-btn svg { width: 14px; height: 14px; }

.chat-body {
  flex: 1; min-height: 0;
  overflow-y: auto;
  padding: 20px 18px;
  background: var(--paper-2);
  scroll-behavior: smooth;
}
.chat-msg { display: flex; gap: 9px; margin-bottom: 14px; }
.chat-msg .av {
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--ink); color: var(--paper);
  display: grid; place-items: center;
  flex-shrink: 0;
}
.chat-msg .av svg { width: 100%; height: 100%; }
.chat-msg .bubble {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 14px;
  border-top-left-radius: 4px;
  padding: 10px 13px;
  font-size: .92rem; line-height: 1.5;
  max-width: 280px;
  color: var(--ink);
}
.chat-msg .bubble p { margin: 0 0 6px; }
.chat-msg .bubble p:last-child { margin-bottom: 0; }
.chat-msg .bubble a:not(.action-card) { color: var(--gold-2); text-decoration: underline; }

.chat-msg.user { flex-direction: row-reverse; }
.chat-msg.user .av { background: var(--gold); color: var(--ink); font-weight: 700; font-size: .8rem; }
.chat-msg.user .bubble {
  background: var(--navy); color: var(--paper);
  border-color: var(--navy);
  border-radius: 14px;
  border-top-right-radius: 4px;
}

.chat-msg .typing { display: inline-flex; gap: 3px; padding: 6px 2px; }
.chat-msg .typing span { width: 6px; height: 6px; border-radius: 50%; background: var(--slate); animation: typing 1.4s infinite; }
.chat-msg .typing span:nth-child(2) { animation-delay: .2s; }
.chat-msg .typing span:nth-child(3) { animation-delay: .4s; }
@keyframes typing {
  0%, 80%, 100% { opacity: .3; transform: translateY(0); }
  40% { opacity: 1; transform: translateY(-3px); }
}

.action-card {
  display: block;
  margin-top: 10px;
  padding: 11px 13px;
  background: var(--paper-2);
  border: 1px solid var(--line);
  border-radius: 10px;
  color: var(--navy);
  font-size: .85rem; font-weight: 600;
  text-decoration: none !important;
  transition: all var(--t-quick);
  display: flex; align-items: center; gap: 10px;
}
.action-card:hover { background: var(--ink); color: var(--paper); border-color: var(--ink); }
.action-card:hover .ac-icon { background: var(--gold); color: var(--ink); }
.action-card .ac-icon {
  width: 28px; height: 28px; border-radius: 8px;
  background: var(--ink); color: var(--gold);
  display: grid; place-items: center;
  flex-shrink: 0;
  transition: background var(--t-quick);
}
.action-card .ac-icon svg { width: 14px; height: 14px; }
.action-card .ac-text { flex: 1; min-width: 0; }
.action-card .ac-text small { display: block; font-size: .72rem; opacity: .75; font-weight: 500; margin-top: 1px; }
.action-card::after { content: '→'; font-weight: 700; }

.chat-suggestions {
  padding: 10px 18px 0;
  background: var(--paper-2);
  display: flex; flex-direction: column; gap: 6px;
}
.chat-suggestions .label {
  font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .12em;
  color: var(--slate); margin-bottom: 4px;
}
.chat-suggestions .sug {
  display: block; width: 100%;
  background: var(--paper); border: 1px solid var(--line);
  border-radius: 999px;
  padding: 8px 14px;
  text-align: left;
  font-size: .85rem; font-weight: 500; color: var(--ink);
  cursor: pointer; transition: all var(--t-quick);
}
.chat-suggestions .sug:hover { border-color: var(--gold); background: rgba(230,180,123,0.06); color: var(--navy); }

.chat-input-row {
  display: flex; gap: 8px; padding: 14px 16px;
  background: var(--paper); border-top: 1px solid var(--line);
  flex-shrink: 0;
}
.chat-input-row input {
  flex: 1; padding: 11px 14px;
  border: 1px solid var(--line); border-radius: 999px;
  font: inherit; font-size: .92rem; color: var(--ink);
  background: var(--paper);
}
.chat-input-row input:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(230,180,123,0.15); }
.chat-input-row button {
  width: 42px; height: 42px; border-radius: 50%;
  background: var(--ink); color: var(--paper);
  border: 0; cursor: pointer;
  display: grid; place-items: center;
  transition: background var(--t-quick), transform var(--t-quick);
}
.chat-input-row button:hover { background: var(--navy); transform: translateY(-1px); }
.chat-input-row button svg { width: 16px; height: 16px; }
.chat-input-row button:disabled { opacity: .35; cursor: not-allowed; transform: none; }

.chat-disclaimer {
  font-size: .72rem; color: var(--slate);
  text-align: center; padding: 6px 14px 10px;
  background: var(--paper);
  border-top: 1px solid var(--line);
  flex-shrink: 0;
}
.chat-disclaimer strong { color: var(--ink); }

/* ============================================================
   Interactive resource tools, refix tree, cover calc,
   FHB checklist, KiwiSaver compare
============================================================ */
.tool-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: clamp(1.5rem, 3vw, 2.4rem);
  box-shadow: var(--shadow-sm);
  margin: 2rem 0;
}
.tool-eyebrow {
  display: inline-block;
  font-family: var(--mono);
  font-size: .72rem;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--gold-2);
  background: rgba(230,180,123,.12);
  padding: .35rem .7rem;
  border-radius: 999px;
  margin-bottom: 1rem;
}

/* --- Refix decision tree --- */
.rt-progress {
  display: flex; gap: .35rem; margin-bottom: 1.4rem;
}
.rt-progress span {
  height: 6px; flex: 1; background: var(--line); border-radius: 3px;
  transition: background var(--t-quick);
}
.rt-progress span.on { background: var(--gold); }
.rt-step {
  font-family: var(--mono); font-size: .78rem; color: var(--slate);
  letter-spacing: .08em; text-transform: uppercase; margin: 0 0 .6rem;
}
.rt-q { font-size: clamp(1.4rem, 2.6vw, 1.85rem); margin: 0 0 1.4rem; line-height: 1.25; }
.rt-opts { display: grid; gap: .6rem; }
.rt-opt {
  text-align: left; padding: 1rem 1.2rem;
  background: var(--paper-2); border: 1px solid var(--line);
  border-radius: 10px; font: inherit; cursor: pointer;
  transition: all var(--t-quick);
}
.rt-opt:hover { border-color: var(--gold); background: rgba(230,180,123,.08); transform: translateX(3px); }
.rt-back { margin-top: 1.2rem; background: none; border: none; color: var(--slate); cursor: pointer; font: inherit; }
.rt-back:hover { color: var(--navy); }
.rt-verdict { padding: .2rem; }
.rt-eyebrow {
  display: inline-block; font-family: var(--mono); font-size: .72rem;
  letter-spacing: .14em; text-transform: uppercase; color: var(--good);
}
.rt-vt { font-size: clamp(1.6rem, 3.2vw, 2.2rem); margin: .6rem 0 .8rem; color: var(--navy); }
.rt-vs { font-size: 1.05rem; line-height: 1.55; color: var(--ink); margin: 0 0 1.2rem; }
.rt-action {
  background: var(--paper-2); border-left: 3px solid var(--gold);
  padding: 1rem 1.2rem; border-radius: 6px; margin: 1.2rem 0;
}
.rt-meta {
  display: flex; flex-wrap: wrap; gap: .6rem; margin: 1.2rem 0;
  font-family: var(--mono); font-size: .78rem; color: var(--slate);
}
.rt-meta span { background: var(--paper-2); padding: .35rem .7rem; border-radius: 4px; }
.rt-meta em { font-style: normal; color: var(--navy); margin-right: .35rem; }
.rt-cta-row { display: flex; gap: .8rem; flex-wrap: wrap; margin: 1.4rem 0 .8rem; }
.rt-disclaimer { font-size: .82rem; color: var(--slate); margin: 0; }

/* --- Cover calculator --- */
.cc-grid {
  display: grid; grid-template-columns: 1fr 1.3fr; gap: 2rem;
}
@media (max-width: 820px) { .cc-grid { grid-template-columns: 1fr; } }
.cc-inputs h3, .cc-output h3 {
  margin: 0 0 1.2rem; font-size: 1.15rem; color: var(--navy);
}
.cc-field { display: block; margin-bottom: 1rem; }
.cc-label {
  display: block; font-size: .88rem; color: var(--slate);
  margin-bottom: .35rem;
}
.cc-input-wrap {
  display: flex; align-items: center;
  background: var(--paper-2); border: 1px solid var(--line);
  border-radius: 8px; padding: 0 .9rem;
  transition: border-color var(--t-quick);
}
.cc-input-wrap:focus-within { border-color: var(--gold); }
.cc-prefix { color: var(--slate); margin-right: .4rem; }
.cc-input-wrap input {
  flex: 1; border: none; background: transparent;
  padding: .8rem 0; font: inherit; color: var(--ink);
  -moz-appearance: textfield;
}
.cc-input-wrap input::-webkit-outer-spin-button,
.cc-input-wrap input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }

.cc-row {
  background: var(--paper-2); border-radius: 10px;
  padding: 1rem 1.2rem; margin-bottom: .8rem;
  display: grid; grid-template-columns: 1fr auto; gap: .3rem .8rem;
  align-items: baseline;
}
.cc-row.big { background: linear-gradient(135deg, rgba(39,58,84,.04), rgba(230,180,123,.08)); border: 1px solid rgba(230,180,123,.3); }
.cc-r-label { font-weight: 500; color: var(--navy); }
.cc-r-val { font-family: var(--display); font-weight: 700; font-size: 1.4rem; color: var(--navy); }
.cc-row.big .cc-r-val { font-size: 1.75rem; }
.cc-r-bar { grid-column: 1 / -1; height: 4px; background: rgba(39,58,84,.08); border-radius: 2px; overflow: hidden; }
.cc-r-bar span { display: block; height: 100%; background: var(--gold); transition: width var(--t-med); }
.cc-r-formula { grid-column: 1 / -1; font-size: .78rem; color: var(--slate); margin: .2rem 0 0; }
.cc-total {
  display: flex; justify-content: space-between; align-items: baseline;
  padding: 1.2rem 1.2rem; margin-top: 1rem;
  background: var(--navy); color: var(--paper); border-radius: 10px;
}
.cc-total strong { font-family: var(--display); font-size: 1.8rem; }
.cc-note { font-size: .82rem; color: var(--slate); margin: 1rem 0 1.2rem; }

/* --- FHB Checklist --- */
.fc-head {
  display: flex; gap: 1.5rem; align-items: center;
  padding: 1.4rem; background: var(--paper-2); border-radius: 12px;
  margin-bottom: 1.6rem;
}
.fc-progress { position: relative; width: 80px; height: 80px; flex-shrink: 0; }
.fc-ring { width: 100%; height: 100%; transform: rotate(-90deg); }
.fc-bg { fill: none; stroke: rgba(39,58,84,.12); stroke-width: 3; }
.fc-fg { fill: none; stroke: var(--gold); stroke-width: 3; stroke-linecap: round; transition: stroke-dasharray var(--t-med); }
.fc-pct {
  position: absolute; inset: 0; display: flex; align-items: center; justify-content: center;
  font-family: var(--display); font-weight: 700; color: var(--navy);
}
.fc-summary h3 { margin: 0 0 .2rem; color: var(--navy); }
.fc-summary p { margin: 0; color: var(--slate); font-size: .92rem; }
.fc-reset { background: none; border: none; color: var(--gold-2); cursor: pointer; font: inherit; text-decoration: underline; }
.fc-stage { margin-bottom: 1.5rem; }
.fc-stage h4 {
  font-family: var(--mono); font-size: .82rem; letter-spacing: .12em;
  text-transform: uppercase; color: var(--gold-2);
  margin: 0 0 .8rem; padding-bottom: .5rem; border-bottom: 1px solid var(--line);
}
.fc-stage ul { list-style: none; padding: 0; margin: 0; }
.fc-item { padding: .55rem 0; transition: opacity var(--t-quick); }
.fc-item.done { opacity: .55; }
.fc-item.done .fc-text { text-decoration: line-through; }
.fc-item label { display: flex; gap: .8rem; align-items: flex-start; cursor: pointer; }
.fc-item input { position: absolute; opacity: 0; pointer-events: none; }
.fc-box {
  width: 22px; height: 22px; flex-shrink: 0; margin-top: 2px;
  border: 2px solid var(--slate-2); border-radius: 5px;
  position: relative; transition: all var(--t-quick);
}
.fc-item input:checked + .fc-box { background: var(--gold); border-color: var(--gold); }
.fc-item input:checked + .fc-box::after {
  content: ''; position: absolute; inset: 2px;
  background: url("data:image/svg+xml,%3Csvg viewBox='0 0 16 16' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M3 8.5 L6.5 12 L13 4' stroke='white' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round' fill='none'/%3E%3C/svg%3E") center/contain no-repeat;
}
.fc-text { line-height: 1.45; }
.fc-foot { display: flex; gap: .8rem; flex-wrap: wrap; margin-top: 1.5rem; }

/* --- KiwiSaver compare --- */
.kc-controls { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin-bottom: 1.5rem; }
@media (max-width: 720px) { .kc-controls { grid-template-columns: 1fr; } }
.kc-control span { display: block; font-size: .85rem; color: var(--slate); margin-bottom: .35rem; }
.kc-input, .kc-control select {
  display: flex; align-items: center;
  background: var(--paper-2); border: 1px solid var(--line);
  border-radius: 8px; padding: 0 .9rem;
}
.kc-control select {
  padding: .7rem .9rem; font: inherit; width: 100%;
  appearance: none; background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 10 6' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1 1 L5 5 L9 1' stroke='%235A6A75' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 1rem center; background-size: 10px;
}
.kc-input span { color: var(--slate); margin-right: .35rem; }
.kc-input input {
  border: none; background: transparent; padding: .7rem 0;
  font: inherit; width: 100%;
}
.kc-table-wrap { overflow-x: auto; margin-bottom: 1.5rem; }
.kc-table {
  width: 100%; border-collapse: collapse;
  background: var(--paper); border: 1px solid var(--line); border-radius: 10px; overflow: hidden;
}
.kc-table th, .kc-table td { padding: .8rem 1rem; text-align: left; font-size: .92rem; }
.kc-table thead { background: var(--paper-2); }
.kc-table th { font-weight: 600; color: var(--navy); font-size: .82rem; letter-spacing: .03em; }
.kc-table th span { font-weight: 400; color: var(--slate); }
.kc-table tbody tr { border-top: 1px solid var(--line); transition: background var(--t-quick); }
.kc-table tbody tr.on { background: rgba(230,180,123,.08); }
.kc-table tbody tr:hover { background: rgba(39,58,84,.03); }
.kc-pill { display: inline-block; font-size: .76rem; padding: .25rem .55rem; border-radius: 999px; font-weight: 500; }
.kc-pill.type-conservative { background: #DBEAFE; color: #1E40AF; }
.kc-pill.type-balanced     { background: #DCFCE7; color: #166534; }
.kc-pill.type-growth       { background: #FEF3C7; color: #92400E; }
.kc-pill.type-aggressive   { background: #FEE2E2; color: #991B1B; }
.kc-toggle {
  padding: .4rem .8rem; border: 1px solid var(--navy);
  background: transparent; color: var(--navy); border-radius: 6px;
  font: inherit; font-size: .82rem; cursor: pointer; transition: all var(--t-quick);
}
.kc-toggle:hover { background: var(--navy); color: var(--paper); }
.kc-table tr.on .kc-toggle { background: var(--gold); color: var(--navy); border-color: var(--gold); }
.kc-compare { background: var(--paper-2); border-radius: 12px; padding: 1.5rem; margin-bottom: 1rem; }
.kc-compare h4 { margin: 0 0 1.2rem; color: var(--navy); font-size: 1.05rem; }
.kc-bars { display: grid; gap: .9rem; }
.kc-bar-label { font-size: .9rem; color: var(--navy); margin-bottom: .4rem; }
.kc-bar-track {
  position: relative; height: 28px; background: rgba(39,58,84,.08); border-radius: 4px;
  display: flex; align-items: center;
}
.kc-bar-track span {
  display: block; height: 100%; background: linear-gradient(90deg, var(--gold), var(--gold-2));
  border-radius: 4px; transition: width var(--t-med);
}
.kc-bar-track b {
  position: absolute; right: .8rem; font-family: var(--display); color: var(--navy);
  font-size: .92rem;
}
.kc-takeaway { margin: 1rem 0 0; color: var(--ink); font-size: .92rem; }
.kc-takeaway strong { color: var(--bad); }
.kc-note { font-size: .82rem; color: var(--slate); margin: 1rem 0 0; }

/* ============================================================
   Service-area widget, embedded map + local stats card
============================================================ */
.area-widget {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: clamp(1.4rem, 2.5vw, 2rem);
  box-shadow: var(--shadow-sm);
  margin: 2.4rem 0;
}
.aw-grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: 1.8rem; }
@media (max-width: 880px) { .aw-grid { grid-template-columns: 1fr; } }
.aw-map { position: relative; border-radius: 10px; overflow: hidden; background: var(--paper-2); min-height: 320px; }
.aw-map iframe {
  width: 100%; height: 100%; min-height: 360px;
  border: 0; display: block;
}
.aw-bigger {
  position: absolute; bottom: .8rem; right: .8rem;
  background: var(--paper); color: var(--navy);
  padding: .45rem .8rem; border-radius: 6px;
  font-size: .82rem; font-family: var(--mono);
  text-decoration: none; box-shadow: var(--shadow-sm);
  border: 1px solid var(--line);
}
.aw-bigger:hover { background: var(--navy); color: var(--paper); }
.aw-head { margin-bottom: 1rem; }
.aw-eyebrow {
  display: inline-block; font-family: var(--mono); font-size: .72rem;
  letter-spacing: .14em; text-transform: uppercase; color: var(--gold-2);
  background: rgba(230,180,123,.12); padding: .3rem .6rem; border-radius: 999px;
  margin-bottom: .6rem;
}
.aw-head h3 { font-size: 1.45rem; margin: 0 0 .15rem; color: var(--navy); }
.aw-sub { margin: 0; color: var(--slate); font-size: .92rem; }
.aw-dl { display: grid; gap: .55rem; margin: 1rem 0; padding: 0; }
.aw-dl > div { display: grid; grid-template-columns: 38% 1fr; gap: .8rem; align-items: baseline; padding-bottom: .5rem; border-bottom: 1px solid var(--line); }
.aw-dl > div:last-child { border-bottom: 0; }
.aw-dl dt { font-size: .85rem; color: var(--slate); margin: 0; }
.aw-dl dd { margin: 0; color: var(--navy); font-weight: 600; }
.aw-dl dd span { margin-left: .4rem; color: var(--good); font-weight: 400; font-size: .85rem; }
.aw-stock, .aw-lenders { font-size: .92rem; line-height: 1.5; color: var(--ink); margin: .8rem 0 0; }
.aw-stock strong, .aw-lenders strong { color: var(--navy); }
.aw-notes { margin: .8rem 0 0; padding-left: 1.2rem; font-size: .9rem; color: var(--ink); }
.aw-notes li { margin-bottom: .3rem; line-height: 1.4; }
.aw-disclaimer { font-size: .78rem; color: var(--slate); margin: 1rem 0 0; font-style: italic; }

/* ============================================================
   Case-study viz, animated stat block + timeline
============================================================ */
.cs-stat-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem;
  margin: 2rem 0;
}
@media (max-width: 760px) { .cs-stat-grid { grid-template-columns: repeat(2, 1fr); } }
.cs-stat {
  background: var(--paper-2); border-radius: 12px;
  padding: 1.4rem 1.2rem; text-align: center;
  position: relative; overflow: hidden;
}
.cs-stat::before {
  content: ''; position: absolute; left: 0; top: 0;
  width: 3px; height: 100%; background: var(--gold);
}
.cs-stat .v {
  font-family: var(--display); font-weight: 800; font-size: clamp(1.6rem, 4vw, 2.4rem);
  color: var(--navy); line-height: 1; display: block;
}
.cs-stat .l {
  font-size: .82rem; color: var(--slate); margin-top: .5rem;
  letter-spacing: .03em; line-height: 1.3;
}
.cs-stat .delta {
  display: inline-block; margin-top: .5rem; font-family: var(--mono);
  font-size: .78rem; padding: .2rem .55rem; border-radius: 999px;
  background: rgba(22,101,52,.1); color: var(--good);
}
.cs-stat .delta.bad { background: rgba(153,27,27,.1); color: var(--bad); }

.cs-timeline {
  position: relative; padding: 1rem 0 1rem 2rem; margin: 2rem 0;
  border-left: 2px solid var(--line);
}
.cs-tl-item { position: relative; padding-bottom: 1.6rem; }
.cs-tl-item:last-child { padding-bottom: 0; }
.cs-tl-item::before {
  content: ''; position: absolute; left: -2.55rem; top: .4rem;
  width: 14px; height: 14px; background: var(--gold);
  border: 3px solid var(--paper); border-radius: 50%;
  box-shadow: 0 0 0 1px var(--line);
}
.cs-tl-item.done::before { background: var(--good); }
.cs-tl-item.flag::before { background: var(--warn); }
.cs-tl-week {
  font-family: var(--mono); font-size: .76rem;
  letter-spacing: .12em; text-transform: uppercase;
  color: var(--gold-2); display: block; margin-bottom: .25rem;
}
.cs-tl-item h4 { margin: 0 0 .25rem; font-size: 1.05rem; color: var(--navy); }
.cs-tl-item p { margin: 0; font-size: .92rem; color: var(--ink); line-height: 1.5; }

.cs-arrows {
  display: grid; grid-template-columns: 1fr auto 1fr; gap: 1rem;
  align-items: center; margin: 1.5rem 0; padding: 1.4rem;
  background: var(--paper-2); border-radius: 12px;
}
@media (max-width: 700px) {
  .cs-arrows { grid-template-columns: 1fr; }
  .cs-arrow-mid { display: none; }
}
.cs-before, .cs-after { text-align: center; }
.cs-before .cs-label, .cs-after .cs-label {
  font-family: var(--mono); font-size: .76rem; letter-spacing: .12em;
  text-transform: uppercase; color: var(--slate); margin-bottom: .4rem;
}
.cs-before .v { font-family: var(--display); font-weight: 700; font-size: 1.6rem; color: var(--bad); }
.cs-after .v  { font-family: var(--display); font-weight: 700; font-size: 1.6rem; color: var(--good); }
.cs-arrow-mid svg { display: block; width: 56px; height: 24px; }

/* ============================================================
   Rate ticker (homepage + service pages)
============================================================ */
.rate-ticker {
  background: var(--navy);
  color: var(--paper);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  overflow: hidden;
  margin: 2rem 0;
}
.rt-frame { position: relative; }
.rt-label {
  display: flex; align-items: center; gap: .6rem;
  padding: .9rem 1.2rem .6rem;
  font-family: var(--mono); font-size: .72rem;
  letter-spacing: .12em; text-transform: uppercase;
  color: rgba(255,255,255,0.7);
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.rt-pulse {
  width: 8px; height: 8px; background: var(--gold);
  border-radius: 50%; position: relative;
  animation: rt-pulse 1.6s ease-in-out infinite;
}
.rt-pulse::after {
  content: ''; position: absolute; inset: -4px;
  border-radius: 50%; border: 2px solid var(--gold);
  animation: rt-ring 1.6s ease-out infinite;
}
@keyframes rt-pulse { 0%, 100% { opacity: 1; } 50% { opacity: .5; } }
@keyframes rt-ring  { 0% { transform: scale(.6); opacity: .6; } 100% { transform: scale(2); opacity: 0; } }
.rt-label-text em { font-style: italic; color: var(--gold-soft); }
.rt-track {
  overflow: hidden; padding: 1rem 0;
  mask-image: linear-gradient(90deg, transparent, black 6%, black 94%, transparent);
  -webkit-mask-image: linear-gradient(90deg, transparent, black 6%, black 94%, transparent);
}
.rt-strip {
  display: inline-flex; align-items: center; gap: 0;
  white-space: nowrap;
  animation: rt-scroll 90s linear infinite;
}
@keyframes rt-scroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}
.rt-frame:hover .rt-strip { animation-play-state: paused; }
.rt-item {
  display: inline-flex; align-items: center; gap: .55rem;
  padding: .35rem 1rem;
  font-size: .92rem;
  border-radius: 999px;
  background: rgba(255,255,255,0.04);
  margin: 0 .25rem;
}
.rt-bank { color: var(--gold-soft); font-weight: 600; font-size: .85rem; letter-spacing: .04em; }
.rt-term { font-family: var(--mono); font-size: .78rem; color: rgba(255,255,255,0.6); }
.rt-rate { font-family: var(--display); font-weight: 700; font-size: 1.05rem; }
.rt-move { font-family: var(--mono); font-size: .76rem; }
.rt-item.up   .rt-move { color: #FCA5A5; }
.rt-item.down .rt-move { color: #86EFAC; }
.rt-item.flat .rt-move { color: rgba(255,255,255,0.4); }
.rt-sep { color: rgba(255,255,255,0.18); padding: 0 .35rem; }
.rt-foot {
  display: flex; align-items: center; justify-content: space-between;
  flex-wrap: wrap; gap: .8rem;
  padding: .75rem 1.2rem;
  background: rgba(0,0,0,0.18);
  border-top: 1px solid rgba(255,255,255,0.08);
  font-size: .86rem;
}
.rt-foot-text { color: rgba(255,255,255,0.7); }
.rt-cta { color: var(--gold); text-decoration: none; font-weight: 600; }
.rt-cta:hover { color: var(--gold-soft); }
@media (prefers-reduced-motion: reduce) {
  .rt-strip { animation: none; }
  .rt-track { overflow-x: auto; mask: none; -webkit-mask: none; }
}

/* ============================================================
   OCR chart (archive pages)
============================================================ */
.ocr-chart {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: clamp(1.4rem, 2.5vw, 2rem);
  box-shadow: var(--shadow-sm);
  margin: 2rem 0;
}
.oc-head { margin-bottom: 1rem; }
.oc-eyebrow {
  display: inline-block; font-family: var(--mono); font-size: .72rem;
  letter-spacing: .14em; text-transform: uppercase; color: var(--gold-2);
  background: rgba(230,180,123,.12); padding: .3rem .65rem; border-radius: 999px;
  margin-bottom: .6rem;
}
.oc-head h3 { font-size: 1.3rem; margin: 0 0 .4rem; color: var(--navy); }
.oc-callout {
  background: rgba(230,180,123,.1); border-left: 3px solid var(--gold);
  padding: .75rem 1rem; border-radius: 6px; margin: .6rem 0 0;
  font-size: .94rem; color: var(--ink);
}
.oc-svg { width: 100%; height: auto; display: block; margin: .5rem 0; }
.oc-point { cursor: pointer; transition: r .15s ease; }
.oc-point.oc-highlight { filter: drop-shadow(0 0 8px var(--gold)); }
.oc-tip {
  font-family: var(--mono); font-size: .85rem;
  color: var(--ink); padding: .7rem 1rem;
  background: var(--paper-2); border-radius: 6px;
  margin-top: .5rem; min-height: 2.4rem;
}
.oc-tip strong { color: var(--navy); }
.oc-disclaimer { font-size: .78rem; color: var(--slate); margin: .8rem 0 0; font-style: italic; }

/* ============================================================
   Inline article calculators
============================================================ */
.ac-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-left: 3px solid var(--gold);
  border-radius: 10px;
  padding: 1.4rem 1.5rem;
  margin: 2rem 0;
  box-shadow: var(--shadow-sm);
}
.ac-eyebrow {
  display: inline-block; font-family: var(--mono); font-size: .72rem;
  letter-spacing: .14em; text-transform: uppercase; color: var(--gold-2);
  background: rgba(230,180,123,.12); padding: .3rem .6rem; border-radius: 999px;
  margin-bottom: .8rem;
}
.ac-card h3 { font-size: 1.2rem; margin: 0 0 .35rem; color: var(--navy); }
.ac-help { font-size: .92rem; color: var(--ink); margin: 0 0 1rem; line-height: 1.55; }
.ac-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: .9rem; margin-bottom: 1rem; }
@media (max-width: 600px) { .ac-grid { grid-template-columns: 1fr; } }
.ac-grid label { display: block; }
.ac-grid label > span { display: block; font-size: .82rem; color: var(--slate); margin-bottom: .3rem; }
.ac-i {
  display: flex; align-items: center; gap: .4rem;
  background: var(--paper-2); border: 1px solid var(--line);
  border-radius: 6px; padding: 0 .8rem;
  transition: border-color .15s ease;
}
.ac-i:focus-within { border-color: var(--gold); }
.ac-i > span { color: var(--slate); font-size: .9rem; }
.ac-i input {
  border: none; background: transparent; flex: 1;
  padding: .7rem 0; font: inherit; color: var(--ink);
  -moz-appearance: textfield;
}
.ac-i input::-webkit-outer-spin-button,
.ac-i input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
.ac-out {
  background: var(--paper-2); border-radius: 8px;
  padding: 1rem 1.2rem; margin-top: .8rem;
}
.ac-out-row {
  display: flex; justify-content: space-between; align-items: baseline;
  padding: .4rem 0; border-bottom: 1px dashed var(--line);
  font-size: .94rem;
}
.ac-out-row:last-of-type { border-bottom: 0; }
.ac-out-row strong { font-family: var(--display); font-weight: 700; font-size: 1.1rem; color: var(--navy); }
.ac-out-row.big strong { font-size: 1.4rem; }
.ac-out-row.sub { color: var(--slate); font-size: .85rem; }
.ac-out-row.sub em { font-style: italic; }
.ac-bad { color: var(--bad) !important; }
.ac-note { font-size: .8rem; color: var(--slate); margin: .7rem 0 0; font-style: italic; }