/* =========================================================
   RE IRA Lending
   Navy, white, warm gray, restrained gold.
   ========================================================= */

:root {
  --navy-950: #08162B;
  --navy-900: #0B1C36;
  --navy-800: #0E2240;
  --navy-700: #17325A;
  --navy-600: #24467A;
  --navy-100: #E7ECF4;
  --gold-700: #7F6020;
  --gold-600: #8F6D26;
  --gold-500: #C9A44C;
  --gold-300: #E2C98A;
  --gold-100: #F6EFDD;
  --gray-50: #FAF8F5;
  --gray-100: #F3F0EB;
  --gray-200: #E6E1D8;
  --gray-300: #D3CCC0;
  --ink-900: #14202E;
  --ink-700: #3B4757;
  --ink-500: #5E6A78;
  --white: #FFFFFF;
  --danger: #A8322A;
  --success: #2E6B47;

  --font-head: "Newsreader", Georgia, "Times New Roman", serif;
  --font-body: "Inter", "Segoe UI", -apple-system, Roboto, sans-serif;

  --radius-sm: 6px;
  --radius: 10px;
  --radius-lg: 16px;
  --shadow-sm: 0 1px 2px rgba(8, 22, 43, .06), 0 2px 8px rgba(8, 22, 43, .05);
  --shadow: 0 6px 24px rgba(8, 22, 43, .09);
  --shadow-lg: 0 24px 60px rgba(8, 22, 43, .28);
  --max: 1160px;
  --narrow: 760px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink-900);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, h4 {
  font-family: var(--font-head);
  font-weight: 500;
  color: var(--navy-800);
  line-height: 1.15;
  margin: 0 0 .5em;
  letter-spacing: -.01em;
  text-wrap: balance;
}
h1 { font-size: clamp(36px, 5.2vw, 58px); }
h2 { font-size: clamp(28px, 3.6vw, 40px); }
h3 { font-size: 23px; }
h4 { font-size: 19px; }
p { margin: 0 0 1em; color: var(--ink-700); }
a { color: var(--navy-600); }
a:hover { color: var(--navy-800); }
img { max-width: 100%; height: auto; display: block; }
strong { color: var(--ink-900); font-weight: 600; }
ul.plain { list-style: none; margin: 0; padding: 0; }
:focus-visible { outline: 3px solid var(--gold-500); outline-offset: 2px; }

.container { max-width: var(--max); margin: 0 auto; padding: 0 24px; }
.narrow { max-width: var(--narrow); margin-left: auto; margin-right: auto; }
.sr-only, .hp {
  position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0;
}
.skip-link { position: absolute; left: -999px; top: 8px; background: var(--white); padding: 8px 14px; z-index: 100; }
.skip-link:focus { left: 8px; }

section { padding: 88px 0; }
.section-tint { background: var(--gray-100); }
.section-navy { background: var(--navy-800); color: var(--white); }
.section-navy h2, .section-navy h3 { color: var(--white); }
.section-navy p { color: #C9D3E2; }

.eyebrow {
  display: inline-block;
  font-size: 12.5px;
  font-weight: 600;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--gold-600);
  margin-bottom: 14px;
}
.eyebrow::before {
  content: ""; display: inline-block; width: 22px; height: 2px; background: var(--gold-500);
  vertical-align: middle; margin-right: 10px; position: relative; top: -2px;
}
.on-dark .eyebrow, .section-navy .eyebrow, .page-hero .eyebrow { color: var(--gold-300); }
.section-head { max-width: 720px; margin: 0 0 48px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.lead { font-size: 19.5px; line-height: 1.6; color: var(--ink-700); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font: 600 16px/1.2 var(--font-body);
  padding: 15px 26px;
  border-radius: var(--radius-sm);
  border: 2px solid transparent;
  text-decoration: none;
  cursor: pointer;
  transition: background .15s, color .15s, border-color .15s, transform .15s;
  text-align: center;
}
.btn:hover { transform: translateY(-1px); }
.btn-gold { background: var(--gold-500); color: var(--navy-900); }
.btn-gold:hover { background: var(--gold-300); color: var(--navy-900); }
.btn-navy { background: var(--navy-800); color: var(--white); }
.btn-navy:hover { background: var(--navy-700); color: var(--white); }
.btn-outline { border-color: var(--navy-800); color: var(--navy-800); background: transparent; }
.btn-outline:hover { background: var(--navy-800); color: var(--white); }
.btn-outline-light { border-color: rgba(255,255,255,.55); color: var(--white); background: transparent; }
.btn-outline-light:hover { border-color: var(--white); background: rgba(255,255,255,.08); color: var(--white); }
.btn-sm { padding: 10px 18px; font-size: 15px; }
.btn-block { width: 100%; }
.btn-row { display: flex; flex-wrap: wrap; gap: 14px; }
.text-link { font-weight: 600; color: var(--navy-700); text-decoration: none; border-bottom: 2px solid var(--gold-500); }
.text-link:hover { color: var(--navy-900); }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.97);
  border-bottom: 1px solid var(--gray-200);
  backdrop-filter: saturate(160%) blur(8px);
}
.header-row { display: flex; align-items: center; justify-content: space-between; height: 76px; gap: 24px; }
.logo { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; }
.logo-mark { width: 44px; height: 44px; flex: none; }
.logo-text { display: flex; flex-direction: column; line-height: 1; }
.logo-name { font: 600 25px/1 var(--font-head); color: var(--navy-800); letter-spacing: .01em; }
.logo-sub { font: 600 11.5px/1 var(--font-body); color: var(--gold-600); letter-spacing: .38em; text-transform: uppercase; margin-top: 5px; }
.logo-light .logo-name { color: var(--white); }
.logo-light .logo-sub { color: var(--gold-300); }
.main-nav { display: flex; align-items: center; gap: 28px; }
.main-nav a:not(.btn) {
  font-size: 15.5px; font-weight: 500; color: var(--ink-700); text-decoration: none;
  padding: 6px 0; border-bottom: 2px solid transparent;
}
.main-nav a:not(.btn):hover { color: var(--navy-800); }
.main-nav a[aria-current="page"] { color: var(--navy-800); border-bottom-color: var(--gold-500); }
.nav-toggle { display: none; background: none; border: 0; padding: 10px; cursor: pointer; }
.nav-toggle-bars, .nav-toggle-bars::before, .nav-toggle-bars::after {
  display: block; width: 24px; height: 2px; background: var(--navy-800); position: relative; transition: transform .2s;
}
.nav-toggle-bars::before, .nav-toggle-bars::after { content: ""; position: absolute; left: 0; }
.nav-toggle-bars::before { top: -7px; }
.nav-toggle-bars::after { top: 7px; }
.nav-open .nav-toggle-bars { background: transparent; }
.nav-open .nav-toggle-bars::before { transform: translateY(7px) rotate(45deg); }
.nav-open .nav-toggle-bars::after { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background:
    radial-gradient(1100px 500px at 85% -10%, rgba(201,164,76,.16), transparent 60%),
    linear-gradient(160deg, var(--navy-800) 0%, var(--navy-950) 100%);
  color: var(--white);
  padding: 96px 0 104px;
  overflow: hidden;
}
.hero::after {
  content: ""; position: absolute; inset: 0; pointer-events: none; opacity: .06;
  background-image: linear-gradient(rgba(255,255,255,.7) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.7) 1px, transparent 1px);
  background-size: 56px 56px;
  mask-image: linear-gradient(90deg, transparent 0%, #000 70%);
}
.hero .container { position: relative; z-index: 1; }
.hero-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 64px; align-items: center; }
.hero h1 { color: var(--white); }
.hero h1 em { font-style: italic; color: var(--gold-300); }
.hero .lead { color: #D3DBE7; max-width: 560px; margin-bottom: 32px; }
.hero-points { display: flex; flex-wrap: wrap; gap: 10px 26px; margin: 34px 0 0; padding: 0; list-style: none; }
.hero-points li { display: flex; align-items: center; gap: 9px; font-size: 15px; color: #C9D3E2; }
.hero-points li::before { content: ""; width: 7px; height: 7px; background: var(--gold-500); transform: rotate(45deg); flex: none; }

.page-hero {
  background: linear-gradient(160deg, var(--navy-800) 0%, var(--navy-950) 100%);
  color: var(--white);
  padding: 76px 0 72px;
}
.page-hero h1 { color: var(--white); max-width: 860px; }
.page-hero .lead { color: #D3DBE7; max-width: 720px; margin: 0; }
.breadcrumb { font-size: 14px; color: #9FB0C8; margin-bottom: 18px; }
.breadcrumb a { color: #C9D3E2; text-decoration: none; }

/* ---------- Calculator ---------- */
.calc {
  background: var(--white);
  color: var(--ink-900);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 30px 30px 24px;
  border-top: 4px solid var(--gold-500);
}
.calc-head { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; margin-bottom: 4px; }
.calc h2, .calc h3 { font-size: 23px; margin: 0; }
.calc-tag {
  font-size: 11.5px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase;
  color: var(--gold-700); background: var(--gold-100); padding: 4px 10px; border-radius: 100px; white-space: nowrap;
}
.calc-intro { font-size: 14.5px; color: var(--ink-500); margin: 6px 0 20px; }
.calc-field { margin-bottom: 20px; }
.calc-label { display: flex; justify-content: space-between; align-items: baseline; font-size: 14.5px; font-weight: 600; color: var(--ink-700); margin-bottom: 8px; }
.calc-value { font: 600 22px/1 var(--font-head); color: var(--navy-800); }
.calc-range { display: flex; justify-content: space-between; font-size: 12.5px; color: var(--ink-500); margin-top: 4px; }
.calc input[type="range"] { width: 100%; accent-color: var(--navy-700); height: 28px; margin: 0; cursor: pointer; }
.calc-results { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin: 6px 0 16px; }
.calc-result { background: var(--gray-100); border-radius: var(--radius); padding: 14px 16px; }
.calc-result-label { font-size: 12.5px; font-weight: 600; color: var(--ink-500); text-transform: uppercase; letter-spacing: .06em; }
.calc-result-value { font: 600 30px/1.15 var(--font-head); color: var(--navy-800); margin-top: 4px; }
.calc-result.primary { background: var(--navy-800); }
.calc-result.primary .calc-result-label { color: var(--gold-300); }
.calc-result.primary .calc-result-value { color: var(--white); }
.calc-note { font-size: 12.5px; line-height: 1.5; color: var(--ink-500); margin: 0; }

/* ---------- Cards and grids ---------- */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 32px 30px;
  box-shadow: var(--shadow-sm);
}
.card h3 { margin-bottom: 10px; }
.card p:last-child { margin-bottom: 0; }
.card-icon {
  width: 52px; height: 52px; border-radius: 12px; background: var(--navy-800); color: var(--gold-500);
  display: grid; place-items: center; margin-bottom: 20px;
}
.card-icon svg { width: 26px; height: 26px; }
.card-kicker { font-size: 13px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--gold-600); margin-bottom: 8px; }
.section-tint .card { border-color: transparent; }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.split.top { align-items: start; }

.check-list { list-style: none; margin: 0 0 1em; padding: 0; }
.check-list li { position: relative; padding-left: 32px; margin-bottom: 12px; color: var(--ink-700); }
.check-list li::before {
  content: ""; position: absolute; left: 0; top: 6px; width: 18px; height: 18px; border-radius: 50%;
  background: var(--gold-100) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3 3 7-7' fill='none' stroke='%237F6020' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/12px no-repeat;
}
.section-navy .check-list li { color: #D3DBE7; }

/* Numbered steps */
.steps { counter-reset: step; display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; list-style: none; margin: 0; padding: 0; }
.steps li { position: relative; padding-top: 58px; }
.steps li::before {
  counter-increment: step; content: counter(step);
  position: absolute; top: 0; left: 0; width: 42px; height: 42px; border-radius: 50%;
  border: 2px solid var(--gold-500); color: var(--navy-800);
  font: 600 19px/38px var(--font-head); text-align: center; background: var(--white);
}
.steps li::after { content: ""; position: absolute; top: 21px; left: 52px; right: -14px; height: 2px; background: var(--gray-200); }
.steps li:last-child::after { display: none; }
.steps h3 { font-size: 20px; margin-bottom: 8px; }
.steps p { font-size: 15.5px; margin: 0; }

/* Stats */
.stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; border-top: 1px solid rgba(255,255,255,.14); border-bottom: 1px solid rgba(255,255,255,.14); }
.stat { padding: 30px 28px; border-left: 1px solid rgba(255,255,255,.14); }
.stat:first-child { border-left: 0; padding-left: 0; }
.stat-value { font: 500 46px/1 var(--font-head); color: var(--gold-300); }
.stat-label { font-size: 15px; color: #C9D3E2; margin-top: 10px; }

/* Callouts */
.callout {
  border-left: 4px solid var(--gold-500);
  background: var(--gold-100);
  padding: 22px 26px;
  border-radius: 0 var(--radius) var(--radius) 0;
  margin: 28px 0;
}
.callout h3, .callout h4 { margin-bottom: 6px; font-size: 20px; }
.callout p { color: var(--ink-700); }
.callout p:last-child { margin-bottom: 0; }
.callout.navy { background: var(--navy-100); border-left-color: var(--navy-700); }

/* Prose for long-form education pages */
.prose h2 { margin-top: 1.6em; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin-top: 1.4em; }
.prose ul, .prose ol { padding-left: 1.3em; color: var(--ink-700); margin: 0 0 1.2em; }
.prose li { margin-bottom: .45em; }
.prose li::marker { color: var(--gold-600); }

.content-layout { display: grid; grid-template-columns: 240px 1fr; gap: 64px; align-items: start; }
.toc { position: sticky; top: 100px; font-size: 14.5px; }
.toc-title { font-size: 12px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--ink-500); margin-bottom: 12px; }
.toc a { display: block; padding: 7px 0 7px 14px; border-left: 2px solid var(--gray-200); color: var(--ink-700); text-decoration: none; }
.toc a:hover { border-left-color: var(--gold-500); color: var(--navy-800); }

/* Comparison table */
.table-wrap { overflow-x: auto; margin: 24px 0 32px; border: 1px solid var(--gray-200); border-radius: var(--radius); }
table.compare { width: 100%; border-collapse: collapse; font-size: 15.5px; min-width: 620px; }
.compare th, .compare td { padding: 14px 18px; text-align: left; vertical-align: top; border-bottom: 1px solid var(--gray-200); }
.compare thead th { background: var(--navy-800); color: var(--white); font-weight: 600; font-size: 14.5px; }
.compare tbody th { font-weight: 600; color: var(--navy-800); width: 24%; background: var(--gray-50); }
.compare td { color: var(--ink-700); }
.compare tr:last-child th, .compare tr:last-child td { border-bottom: 0; }

/* Two-product panels */
.product { border-radius: var(--radius-lg); padding: 34px 32px; border: 1px solid var(--gray-200); background: var(--white); }
.product-label { display: inline-block; font-size: 12px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--white); background: var(--navy-700); padding: 5px 12px; border-radius: 100px; margin-bottom: 16px; }
.product.b .product-label { background: var(--gold-600); }

/* Diagram (flow of funds) */
.flow { display: grid; grid-template-columns: 1fr auto 1fr auto 1fr; gap: 14px; align-items: stretch; margin: 28px 0; }
.flow-box { background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius); padding: 18px; text-align: center; }
.flow-box strong { display: block; font-family: var(--font-head); font-size: 19px; font-weight: 500; color: var(--navy-800); margin-bottom: 4px; }
.flow-box span { font-size: 14px; color: var(--ink-500); }
.flow-arrow { display: grid; place-items: center; color: var(--gold-600); font-size: 22px; }

/* FAQ */
.faq { border-top: 1px solid var(--gray-200); }
.faq details { border-bottom: 1px solid var(--gray-200); }
.faq summary {
  list-style: none; cursor: pointer; padding: 22px 40px 22px 0; position: relative;
  font: 500 20px/1.35 var(--font-head); color: var(--navy-800);
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+"; position: absolute; right: 4px; top: 18px; font: 400 28px/1 var(--font-body); color: var(--gold-600);
}
.faq details[open] summary::after { content: "\2212"; }
.faq .faq-body { padding: 0 0 22px; }
.faq .faq-body p:last-child { margin-bottom: 0; }

/* Team */
.bio { display: grid; grid-template-columns: 320px 1fr; gap: 56px; align-items: start; }
.bio + .bio { margin-top: 80px; padding-top: 80px; border-top: 1px solid var(--gray-200); }
.bio-photo { position: relative; }
.bio-photo img { border-radius: var(--radius-lg); width: 100%; aspect-ratio: 4 / 5; object-fit: cover; object-position: top; box-shadow: var(--shadow); }
.bio-photo::before {
  content: ""; position: absolute; inset: 16px -16px -16px 16px; border: 2px solid var(--gold-500); border-radius: var(--radius-lg); z-index: -1;
}
.bio-role { font-size: 13px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-600); margin-bottom: 18px; }
.bio-facts { display: flex; flex-wrap: wrap; gap: 10px; margin: 0 0 24px; padding: 0; list-style: none; }
.bio-facts li { font-size: 14px; font-weight: 500; color: var(--navy-800); background: var(--navy-100); padding: 6px 12px; border-radius: 100px; }

/* ---------- Forms ---------- */
.form-card {
  background: var(--white); border-radius: var(--radius-lg); box-shadow: var(--shadow);
  border: 1px solid var(--gray-200); padding: 40px;
}
.form-step { border: 0; margin: 0 0 30px; padding: 0; }
.form-step legend, .field-label {
  font: 500 21px/1.3 var(--font-head); color: var(--navy-800); margin-bottom: 14px; padding: 0;
}
.field-label { display: block; font: 600 15px/1.3 var(--font-body); color: var(--ink-900); margin-bottom: 7px; }
.field-label .opt { font-weight: 400; color: var(--ink-500); }
.legend-opt { font: 400 14px var(--font-body); color: var(--ink-500); }
.stats-panel { background: var(--navy-800); border-radius: var(--radius-lg); padding: 8px 36px; }
@media (max-width: 680px) { .stats-panel { padding: 8px 22px; } }
.choice-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(170px, 1fr)); gap: 10px; }
.choice { position: relative; }
.choice input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; }
.choice span {
  display: flex; align-items: center; gap: 10px; height: 100%;
  border: 1.5px solid var(--gray-300); border-radius: var(--radius-sm); padding: 13px 15px;
  font-size: 15.5px; font-weight: 500; color: var(--ink-700); background: var(--white);
  transition: border-color .15s, background .15s;
}
.choice span::before {
  content: ""; flex: none; width: 18px; height: 18px; border-radius: 50%; border: 2px solid var(--gray-300); background: var(--white);
}
.choice input:checked + span { border-color: var(--navy-700); background: var(--navy-100); color: var(--navy-900); }
.choice input:checked + span::before { border-color: var(--navy-700); box-shadow: inset 0 0 0 3.5px var(--white); background: var(--navy-700); }
.choice input:focus-visible + span { outline: 3px solid var(--gold-500); outline-offset: 2px; }
.choice:hover span { border-color: var(--navy-600); }
.fields { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field.full { grid-column: 1 / -1; }
input[type="text"], input[type="email"], input[type="tel"], select, textarea {
  width: 100%; font: 16px/1.4 var(--font-body); color: var(--ink-900);
  border: 1.5px solid var(--gray-300); border-radius: var(--radius-sm); padding: 12px 14px; background: var(--white);
}
input:focus, select:focus, textarea:focus { border-color: var(--navy-600); outline: 3px solid rgba(201,164,76,.45); outline-offset: 0; }
textarea { min-height: 96px; resize: vertical; }
.consent { display: flex; gap: 12px; align-items: flex-start; font-size: 14px; line-height: 1.55; color: var(--ink-700); margin: 6px 0 24px; }
.consent input { width: 18px; height: 18px; margin-top: 2px; flex: none; accent-color: var(--navy-700); }
.form-error-summary { background: #FBEDEC; border: 1px solid #E8C2BE; color: var(--danger); border-radius: var(--radius-sm); padding: 14px 18px; margin-bottom: 24px; font-size: 15px; }
.has-error input, .has-error select, .has-error .choice span { border-color: var(--danger); }
.field-error { color: var(--danger); font-size: 14px; margin: 6px 0 0; }
.form-fineprint { font-size: 13px; color: var(--ink-500); margin: 16px 0 0; }

.success-panel { text-align: center; padding: 56px 64px 44px; border-top: 4px solid var(--gold-500); }
.success-panel h1, .success-panel h2 { font-size: clamp(30px, 4vw, 40px); margin-bottom: 14px; }
.success-panel .lead { max-width: 540px; margin: 0 auto 28px; }
.success-panel .btn-row { justify-content: center; }
.success-panel .form-fineprint { margin-top: 28px; }
.success-icon { width: 64px; height: 64px; border-radius: 50%; background: var(--gold-100); display: grid; place-items: center; margin: 0 auto 22px; }
.split .success-panel { padding: 44px 40px 36px; }
.thanks-section { padding: 72px 0 96px; }
.thanks-wrap { max-width: 720px; margin: 0 auto; }
.next-steps { list-style: none; margin: 0 0 32px; padding: 26px 0 0; border-top: 1px solid var(--gray-200); text-align: left; display: grid; gap: 16px; counter-reset: next; }
.next-steps li { display: grid; grid-template-columns: 32px 1fr; gap: 14px; align-items: start; color: var(--ink-700); font-size: 16px; }
.next-steps li::before {
  counter-increment: next; content: counter(next);
  width: 32px; height: 32px; border-radius: 50%; border: 2px solid var(--gold-500);
  font: 600 15px/28px var(--font-head); text-align: center; color: var(--navy-800);
}
.next-steps strong { display: block; color: var(--navy-800); }
@media (max-width: 680px) {
  .thanks-section { padding: 40px 0 64px; }
  .form-card.success-panel, .split .form-card.success-panel { padding: 40px 28px 34px; }
}
.success-icon svg { width: 30px; height: 30px; }
.calendly-inline-widget { min-width: 300px; height: 700px; margin-top: 24px; }

/* Guide promo */
.guide-promo { display: grid; grid-template-columns: 220px 1fr; gap: 48px; align-items: center; }
.guide-cover {
  aspect-ratio: 8.5 / 11; border-radius: 6px; padding: 22px 18px; color: var(--white);
  background: linear-gradient(165deg, var(--navy-700), var(--navy-950));
  box-shadow: 0 18px 40px rgba(8,22,43,.35), inset 0 0 0 1px rgba(255,255,255,.06);
  display: flex; flex-direction: column; justify-content: space-between; transform: rotate(-3deg);
  border-left: 6px solid var(--gold-500);
}
.guide-cover-title { font: 500 18px/1.2 var(--font-head); }
.guide-cover-brand { font-size: 10px; letter-spacing: .3em; text-transform: uppercase; color: var(--gold-300); }
.guide-cover img { width: 36px; height: 36px; }

/* Footer CTA + footer */
.footer-cta { background: var(--gray-100); padding: 72px 0; border-top: 1px solid var(--gray-200); }
.footer-cta-inner { display: flex; justify-content: space-between; align-items: center; gap: 40px; }
.footer-cta h2 { font-size: clamp(26px, 3vw, 34px); margin-bottom: 10px; }
.footer-cta p { max-width: 600px; margin: 0; }
.footer-cta-actions { display: flex; flex-direction: column; gap: 12px; flex: none; }
.footer-cta .btn-outline-light { border-color: var(--navy-800); color: var(--navy-800); }
.footer-cta .btn-outline-light:hover { background: var(--navy-800); color: var(--white); }

.site-footer { background: var(--navy-950); color: #A9B6C9; padding: 64px 0 28px; font-size: 15px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 40px; }
.footer-brand p { color: #A9B6C9; margin-top: 18px; max-width: 340px; font-size: 14.5px; }
.site-footer h3 { font: 600 12.5px/1 var(--font-body); letter-spacing: .14em; text-transform: uppercase; color: var(--gold-300); margin: 6px 0 18px; }
.footer-links { list-style: none; margin: 0; padding: 0; }
.footer-links li { margin-bottom: 10px; }
.footer-links a { color: #D3DBE7; text-decoration: none; }
.footer-links a:hover { color: var(--white); text-decoration: underline; }
.footer-disclaimer { margin-top: 48px; padding-top: 28px; border-top: 1px solid rgba(255,255,255,.1); }
.footer-disclaimer p { font-size: 12.5px; line-height: 1.6; color: #8796AC; margin: 0; }
.footer-disclaimer a { color: #C9D3E2; }
.footer-bottom { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 8px 24px; margin-top: 24px; font-size: 12.5px; color: #8796AC; }

/* Legal pages */
.legal { padding: 64px 0 88px; }
.legal .prose { max-width: var(--narrow); }
.legal-updated { font-size: 14px; color: var(--ink-500); }

.mt-0 { margin-top: 0; }
.mt-24 { margin-top: 24px; }
.mt-40 { margin-top: 40px; }
.mb-0 { margin-bottom: 0; }
.center { text-align: center; }
.small { font-size: 14px; }

/* ---------- Responsive ---------- */
@media (max-width: 1060px) {
  .main-nav { gap: 20px; }
  .main-nav a:not(.btn) { font-size: 15px; }
}
@media (max-width: 980px) {
  .nav-toggle { display: block; }
  .main-nav {
    display: none; position: absolute; top: 76px; left: 0; right: 0;
    flex-direction: column; align-items: stretch; gap: 0;
    background: var(--white); border-bottom: 1px solid var(--gray-200); box-shadow: var(--shadow);
    padding: 8px 24px 20px;
  }
  .nav-open .main-nav { display: flex; }
  .main-nav a:not(.btn) { padding: 14px 0; border-bottom: 1px solid var(--gray-100); font-size: 16px; }
  .main-nav a[aria-current="page"] { border-bottom-color: var(--gray-100); color: var(--gold-700); }
  .nav-cta { margin-top: 16px; }
  .hero-grid, .split, .content-layout, .guide-promo { grid-template-columns: 1fr; gap: 44px; }
  .toc { display: none; }
  .grid-3 { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr 1fr; row-gap: 36px; }
  .steps li:nth-child(2)::after { display: none; }
  .bio { grid-template-columns: 1fr; gap: 36px; }
  .bio-photo { max-width: 320px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-cta-inner { flex-direction: column; align-items: flex-start; }
  .guide-cover { max-width: 200px; }
}
@media (max-width: 680px) {
  body { font-size: 16.5px; }
  section { padding: 64px 0; }
  .container { padding: 0 16px; }
  .hero { padding: 64px 0 72px; }
  .page-hero { padding: 56px 0; }
  .grid-2, .fields, .steps { grid-template-columns: 1fr; }
  .steps li::after { display: none; }
  .stats { grid-template-columns: 1fr; }
  .stat { border-left: 0; padding-left: 0; border-top: 1px solid rgba(255,255,255,.14); }
  .stat:first-child { border-top: 0; }
  .calc { padding: 24px 20px 20px; }
  .calc-result-value { font-size: 25px; }
  .form-card { padding: 26px 20px; }
  .flow { grid-template-columns: 1fr; }
  .flow-arrow { transform: rotate(90deg); }
  .footer-grid { grid-template-columns: 1fr; }
  .btn-row .btn { width: 100%; }
  .footer-cta-actions { width: 100%; }
  .card { padding: 26px 22px; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .btn { transition: none; }
  .btn:hover { transform: none; }
}
.section-navy .lead { color: #D3DBE7; }
.center-row { justify-content: center; }
.split.split-form { grid-template-columns: 1.55fr 1fr; gap: 56px; }
@media (max-width: 980px) { .split.split-form { grid-template-columns: 1fr; } }
/* Let grid columns shrink so wide tables scroll inside .table-wrap */
.content-layout > *, .split > *, .hero-grid > * { min-width: 0; }