@charset "utf-8";
/* ==========================================================================
   Life Insurance Answers — design system
   Hand-written CSS. No frameworks, no web fonts, no external requests.
   Palette: ink navy + warm ivory + muted brass. Editorial, calm, premium.
   ========================================================================== */

:root{
  --ink:#0E1A2B;
  --ink-2:#1B2C44;
  --ink-3:#33445C;
  --paper:#FBF8F2;
  --paper-2:#F4EEE3;
  --white:#FFFFFF;
  --gold:#B08A32;
  --gold-ink:#7E6018;
  --gold-soft:#EBDCB6;
  --sage:#2C5749;
  --muted:#4F5A69;
  --muted-2:#5A6472;
  --line:#E3DAC9;
  --line-2:#EFE9DC;
  --radius:16px;
  --radius-sm:10px;
  --shadow:0 1px 2px rgba(14,26,43,.05), 0 10px 26px -14px rgba(14,26,43,.16);
  --shadow-lg:0 2px 6px rgba(14,26,43,.06), 0 30px 60px -30px rgba(14,26,43,.28);
  --serif:"Iowan Old Style","Palatino Linotype",Palatino,Georgia,"Times New Roman",serif;
  --sans:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,"Noto Sans",sans-serif;
  --maxw:1140px;
  --hdr-h:68px;
}

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

html{
  -webkit-text-size-adjust:100%;
  text-size-adjust:100%;
  scroll-behavior:smooth;
  scroll-padding-top:calc(var(--hdr-h) + 16px);
}

body{
  margin:0;
  background:var(--paper);
  color:var(--ink);
  font-family:var(--sans);
  font-size:17px;
  line-height:1.68;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
  overflow-x:hidden;
}

h1,h2,h3,h4{
  font-family:var(--serif);
  font-weight:600;
  line-height:1.16;
  letter-spacing:-.01em;
  margin:0 0 .6em;
  color:var(--ink);
}
h1{font-size:clamp(2.05rem,1.35rem + 2.4vw,3.45rem);letter-spacing:-.02em}
h2{font-size:clamp(1.62rem,1.2rem + 1.5vw,2.45rem)}
h3{font-size:clamp(1.16rem,1.05rem + .45vw,1.4rem);line-height:1.28}
h4{font-size:1.02rem;font-family:var(--sans);font-weight:700;letter-spacing:0}

p{margin:0 0 1.05em}
p:last-child{margin-bottom:0}

a{color:var(--ink);text-decoration-color:var(--gold);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--gold-ink)}

img,svg{max-width:100%;height:auto;display:block}

ul,ol{margin:0 0 1.1em;padding-left:1.15em}
li{margin:.42em 0}
ul.clean{list-style:none;padding:0;margin:0}
ul.clean li{position:relative;padding-left:1.5em;margin:.55em 0}
ul.clean li::before{
  content:"";position:absolute;left:0;top:.62em;width:7px;height:7px;
  border-radius:50%;background:var(--gold);opacity:.9;
}

strong{font-weight:700;color:var(--ink)}
small{font-size:.83rem}

hr{border:0;border-top:1px solid var(--line);margin:2.4em 0}

::selection{background:var(--gold-soft);color:var(--ink)}

.skip{
  position:absolute;left:-9999px;top:0;z-index:999;background:var(--ink);color:#fff;
  padding:.7em 1.1em;border-radius:0 0 8px 0;font-size:.9rem;
}
.skip:focus{left:0;color:#fff}

:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:4px}

/* ---------- layout ---------- */
.wrap{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 22px}
.wrap--narrow{max-width:820px}
.section{padding:clamp(52px,7vw,90px) 0}
.section--tight{padding:clamp(36px,4.4vw,56px) 0}
.section--paper{background:var(--paper-2)}
.section--white{background:var(--white)}
.section--ink{background:var(--ink);color:#EDE7DA}
.section--ink h2,.section--ink h3{color:#FBF8F2}
.section--ink p{color:#CFD7E2}

.grid{display:grid;gap:22px}
.grid>*,.split>*{min-width:0}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}
.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(28px,4vw,60px);align-items:start}

.eyebrow{
  display:inline-flex;align-items:center;gap:.6em;
  font:600 .72rem/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;
  color:var(--gold-ink);margin:0 0 1em;
}
.eyebrow::before{content:"";width:26px;height:1px;background:var(--gold);display:inline-block}
.section--ink .eyebrow{color:var(--gold-soft)}
.lede{font-size:clamp(1.04rem,.99rem + .25vw,1.17rem);color:var(--muted);line-height:1.68}
.section--ink .lede{color:#C6D0DC}
.center{text-align:center}
.center .eyebrow{justify-content:center}
.center .eyebrow::after{content:"";width:26px;height:1px;background:var(--gold);display:inline-block}

/* ---------- header ---------- */
.hdr{
  position:sticky;top:0;z-index:80;
  background:rgba(251,248,242,.88);
  -webkit-backdrop-filter:saturate(1.6) blur(10px);
  backdrop-filter:saturate(1.6) blur(10px);
  border-bottom:1px solid var(--line-2);
}
.hdr__in{display:flex;align-items:center;justify-content:space-between;gap:18px;min-height:var(--hdr-h)}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);flex:0 0 auto}
.brand__mark{
  width:34px;height:34px;border-radius:9px;background:var(--ink);
  display:grid;place-items:center;flex:0 0 auto;
}
.brand__mark svg{width:22px;height:22px}
.brand__txt{
  font-family:var(--serif);font-size:1.02rem;line-height:1.05;letter-spacing:-.01em;
  display:flex;flex-direction:column;gap:1px;
}
.brand__txt b{font-weight:600;display:block}
.brand__txt span{font-family:var(--sans);font-size:.62rem;letter-spacing:.2em;text-transform:uppercase;color:var(--muted-2);font-weight:600}

.nav{display:flex;align-items:center;gap:clamp(8px,1.4vw,20px)}
.nav a:not(.btn){
  font-size:.875rem;font-weight:600;color:var(--ink-3);text-decoration:none;padding:6px 2px;
  border-bottom:1px solid transparent;transition:color .18s,border-color .18s;white-space:nowrap;
}
.nav a:not(.btn):hover,.nav a[aria-current="page"]:not(.btn){color:var(--ink);border-bottom-color:var(--gold)}

.navbtn{
  display:none;width:42px;height:42px;border:1px solid var(--line);border-radius:10px;
  background:var(--white);cursor:pointer;padding:0;place-items:center;
}
.navbtn span{display:block;width:18px;height:2px;background:var(--ink);border-radius:2px;transition:transform .22s,opacity .22s}
.navbtn span+span{margin-top:4px}
.navbtn[aria-expanded="true"] span:nth-child(1){transform:translateY(6px) rotate(45deg)}
.navbtn[aria-expanded="true"] span:nth-child(2){opacity:0}
.navbtn[aria-expanded="true"] span:nth-child(3){transform:translateY(-6px) rotate(-45deg)}

/* ---------- buttons ---------- */
.btn{
  --btn-bg:var(--ink);--btn-fg:#FBF8F2;
  display:inline-flex;align-items:center;justify-content:center;gap:.6em;
  background:var(--btn-bg);color:var(--btn-fg) !important;
  font:700 .95rem/1 var(--sans);letter-spacing:.01em;
  padding:15px 24px;border-radius:999px;border:1px solid transparent;
  text-decoration:none;cursor:pointer;
  box-shadow:0 1px 2px rgba(14,26,43,.14), 0 12px 24px -14px rgba(14,26,43,.5);
  transition:transform .18s ease, box-shadow .18s ease, background .18s ease;
  -webkit-tap-highlight-color:transparent;
}
.btn:hover{transform:translateY(-2px);box-shadow:0 2px 4px rgba(14,26,43,.16), 0 18px 30px -16px rgba(14,26,43,.55);color:#fff !important}
.btn:active{transform:translateY(0)}
.btn--gold{--btn-bg:linear-gradient(180deg,#C39A3C,#A9802B);--btn-fg:#141F30}
.btn--gold:hover{color:#0B1626 !important}
.btn--ghost{
  --btn-bg:transparent;--btn-fg:var(--ink);
  border-color:var(--line);box-shadow:none;
}
.btn--ghost:hover{background:var(--white);color:var(--ink) !important;border-color:var(--gold)}
.btn--light{--btn-bg:#FBF8F2;--btn-fg:var(--ink)}
.btn--sm{padding:11px 18px;font-size:.85rem}
.btn--block{width:100%}
.btn .arw{width:15px;height:15px;flex:0 0 auto;transition:transform .18s}
.btn:hover .arw{transform:translateX(3px)}

.link-arrow{
  display:inline-flex;align-items:center;gap:.45em;font-weight:700;font-size:.92rem;
  text-decoration:none;color:var(--ink);border-bottom:1px solid var(--gold-soft);padding-bottom:2px;
}
.link-arrow:hover{border-bottom-color:var(--gold)}
.link-arrow svg{width:13px;height:13px}

/* ---------- hero ---------- */
.hero{
  position:relative;overflow:hidden;
  padding:clamp(40px,6vw,76px) 0 clamp(46px,6vw,80px);
  background:
    radial-gradient(1100px 480px at 82% -10%, rgba(176,138,50,.16), transparent 62%),
    radial-gradient(760px 420px at 6% 8%, rgba(44,87,73,.10), transparent 60%),
    linear-gradient(180deg,#FCFAF5 0%,#F8F4EB 100%);
  border-bottom:1px solid var(--line-2);
}
.hero::after{
  content:"";position:absolute;inset:0;pointer-events:none;opacity:.5;
  background-image:linear-gradient(rgba(14,26,43,.045) 1px,transparent 1px),linear-gradient(90deg,rgba(14,26,43,.045) 1px,transparent 1px);
  background-size:64px 64px;
  -webkit-mask-image:radial-gradient(70% 60% at 50% 30%,#000,transparent 78%);
  mask-image:radial-gradient(70% 60% at 50% 30%,#000,transparent 78%);
}
.hero .wrap{position:relative;z-index:1}
.hero__grid{display:grid;grid-template-columns:1.08fr .92fr;gap:clamp(30px,4.4vw,64px);align-items:center}
.hero h1{margin-bottom:.4em}
.hero h1 em{
  font-style:normal;position:relative;white-space:nowrap;
  background:linear-gradient(180deg,transparent 62%,rgba(176,138,50,.30) 62%);
}
.hero__sub{font-size:clamp(1.02rem,.98rem + .3vw,1.16rem);color:var(--muted);max-width:33em;margin-bottom:1.6em}
.hero__cta{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:1.35em}
.hero__meta{display:flex;flex-wrap:wrap;gap:8px 20px;font-size:.82rem;color:var(--muted-2);font-weight:600}
.hero__meta span{display:inline-flex;align-items:center;gap:.45em}
.hero__meta i{
  width:15px;height:15px;border-radius:50%;background:var(--sage);position:relative;flex:0 0 auto;
}
.hero__meta i::after{
  content:"";position:absolute;left:4.6px;top:3.2px;width:5px;height:8px;
  border:1.8px solid #fff;border-top:0;border-left:0;transform:rotate(42deg);
}

/* quick-answer card on hero */
.qcard{
  background:var(--white);border:1px solid var(--line);border-radius:20px;
  padding:clamp(22px,2.6vw,30px);box-shadow:var(--shadow-lg);position:relative;
}
.qcard__label{
  font:700 .68rem/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--gold-ink);
  display:block;margin-bottom:.9em;
}
.qcard__title{font-family:var(--serif);font-size:1.22rem;line-height:1.3;margin:0 0 .5em}
.qcard__rule{height:1px;background:var(--line-2);margin:16px 0}
.qcard__row{display:flex;align-items:baseline;justify-content:space-between;gap:12px;padding:7px 0;font-size:.9rem}
.qcard__row span{color:var(--muted)}
.qcard__row b{font-family:var(--serif);font-size:1.02rem;font-variant-numeric:tabular-nums;color:var(--ink)}
.qcard__foot{font-size:.74rem;color:var(--muted-2);margin-top:14px;line-height:1.5}

/* ---------- trust strip ---------- */
.stats{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1px;background:var(--line-2);border:1px solid var(--line-2);border-radius:var(--radius);overflow:hidden}
.stat{background:var(--white);padding:22px 20px}
.stat b{
  display:block;font-family:var(--serif);font-size:clamp(1.5rem,1.2rem + .8vw,1.9rem);
  line-height:1;letter-spacing:-.02em;font-variant-numeric:tabular-nums;margin-bottom:.35em;
}
.stat span{font-size:.8rem;color:var(--muted);line-height:1.45;display:block}
.stat em{font-style:normal;color:var(--gold-ink);font-weight:700}

/* ---------- cards ---------- */
.card{
  background:var(--white);border:1px solid var(--line);border-radius:var(--radius);
  padding:clamp(20px,2.2vw,28px);box-shadow:var(--shadow);
  transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease;
  display:flex;flex-direction:column;height:100%;
}
.card--link{text-decoration:none;color:inherit}
.card--link:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg);border-color:var(--gold-soft)}
.card--link h3{text-decoration:none}
.card h3{margin-bottom:.45em}
.card p{font-size:.95rem;color:var(--muted);margin-bottom:0}
.card__ico{
  width:42px;height:42px;border-radius:11px;display:grid;place-items:center;margin-bottom:16px;
  background:linear-gradient(145deg,#FBF6E9,#F1E7CE);border:1px solid #EAD9AE;
}
.card__ico svg{width:21px;height:21px;stroke:var(--gold-ink);fill:none;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.card__more{margin-top:auto;padding-top:16px;font-size:.84rem;font-weight:700;color:var(--gold-ink);display:flex;align-items:center;gap:.4em}
.card--link:hover .card__more{gap:.7em}
.card__more svg{width:13px;height:13px;transition:transform .2s}

/* cards sitting on the dark band */
.section--ink .card{background:#152540;border-color:#2A3B54;box-shadow:none}
.section--ink .card h3{color:#FBF8F2}
.section--ink .card p{color:#B9C5D3}
.section--ink .card .card__more,
.section--ink .card .card__more a{color:var(--gold-soft)}
.section--ink .link-arrow{color:#F3EDE1;border-bottom-color:rgba(235,220,182,.35)}
.section--ink .proof span{color:#A9B7C6}
.section--ink .proof b{color:#FBF8F2}

/* ---------- answer box (snippet bait) ---------- */
.answer{
  border:1px solid var(--gold-soft);background:linear-gradient(180deg,#FFFDF8,#FBF6E9);
  border-radius:var(--radius);padding:clamp(20px,2.4vw,30px);position:relative;
  box-shadow:0 1px 0 rgba(255,255,255,.9) inset;
}
.answer__k{
  display:inline-block;font:700 .68rem/1 var(--sans);letter-spacing:.15em;text-transform:uppercase;
  color:var(--gold-ink);margin-bottom:.7em;
}
.answer p{font-size:1.02rem;color:#2B3340;margin-bottom:.7em}
.answer p:last-child{margin-bottom:0}
.answer b{background:linear-gradient(180deg,transparent 60%,rgba(176,138,50,.24) 60%)}

/* ---------- table ---------- */
.tablewrap{
  overflow-x:auto;-webkit-overflow-scrolling:touch;
  border:1px solid var(--line);border-radius:var(--radius);
  background:var(--white);box-shadow:var(--shadow);
  scrollbar-width:thin;scrollbar-color:#C6B79A #F2EBDE;
}
.tablewrap::-webkit-scrollbar{height:9px}
.tablewrap::-webkit-scrollbar-track{background:#F2EBDE;border-radius:0 0 10px 10px}
.tablewrap::-webkit-scrollbar-thumb{background:#C6B79A;border-radius:99px}
.tablewrap::-webkit-scrollbar-thumb:hover{background:#B09A72}
table{width:100%;border-collapse:collapse;font-size:.92rem;min-width:520px}
caption{caption-side:top;text-align:left;padding:16px 18px 4px;font-size:.78rem;color:var(--muted-2);font-weight:600}
th,td{padding:13px 16px;text-align:left;border-bottom:1px solid var(--line-2);vertical-align:top}
thead th{
  background:var(--paper-2);font:700 .72rem/1.3 var(--sans);letter-spacing:.09em;text-transform:uppercase;
  color:var(--ink-3);white-space:nowrap;border-bottom:1px solid var(--line);
}
tbody tr:last-child td{border-bottom:0}
tbody tr:nth-child(even){background:#FDFBF6}
td b{font-variant-numeric:tabular-nums}
.tnum{font-variant-numeric:tabular-nums;white-space:nowrap}
/* compact tables that sit inside a narrow column */
.tablewrap--sm table{min-width:0;font-size:.85rem}
.tablewrap--sm th,.tablewrap--sm td{padding:10px 12px}
.tablewrap--sm caption{padding:12px 14px 2px;font-size:.74rem}
th.num,td.num{text-align:right;white-space:nowrap}
.pos{color:var(--sage);font-weight:700}
.neg{color:#9B3B2E;font-weight:700}
.tag{
  display:inline-block;font-size:.7rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;
  padding:4px 9px;border-radius:999px;background:var(--paper-2);color:var(--ink-3);border:1px solid var(--line);
}
.tag--gold{background:#FBF3DC;border-color:var(--gold-soft);color:var(--gold-ink)}
.tag--sage{background:#EDF4F0;border-color:#CFE0D8;color:var(--sage)}

/* ---------- calculator ---------- */
.calc{
  background:var(--white);border:1px solid var(--line);border-radius:20px;
  box-shadow:var(--shadow-lg);overflow:hidden;
}
.calc__head{padding:clamp(20px,2.4vw,28px);border-bottom:1px solid var(--line-2);background:linear-gradient(180deg,#FFFDF8,#FCF8EF)}
.calc__head h2{margin-bottom:.25em;font-size:clamp(1.35rem,1.15rem + .8vw,1.75rem)}
.calc__head p{font-size:.9rem;color:var(--muted);margin:0}
.calc__body{display:grid;grid-template-columns:1fr 1fr}
.calc__form{padding:clamp(20px,2.4vw,28px);border-right:1px solid var(--line-2)}
.calc__out{padding:clamp(20px,2.4vw,28px);background:linear-gradient(180deg,#FCFAF4,#F7F2E6)}
.field{margin-bottom:16px}
.field:last-child{margin-bottom:0}
.field label{display:block;font-size:.82rem;font-weight:700;color:var(--ink-2);margin-bottom:6px}
.field .hint{font-weight:400;color:var(--muted-2);font-size:.76rem}
.input,.select{
  width:100%;padding:12px 14px;font:600 1rem/1.2 var(--sans);color:var(--ink);
  background:var(--white);border:1px solid var(--line);border-radius:var(--radius-sm);
  -webkit-appearance:none;appearance:none;transition:border-color .16s,box-shadow .16s;
}
.select{
  background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' fill='none' stroke='%234F5A69' stroke-width='1.6' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 14px center;padding-right:38px;
}
.input:focus,.select:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(176,138,50,.16)}
.field--pair{display:grid;grid-template-columns:1fr 1fr;gap:12px}

.result__big{
  font-family:var(--serif);font-size:clamp(2rem,1.6rem + 1.6vw,2.75rem);line-height:1;
  letter-spacing:-.025em;font-variant-numeric:tabular-nums;margin:.15em 0 .1em;
}
.result__cap{font:700 .7rem/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--gold-ink)}
.result__sub{font-size:.86rem;color:var(--muted);margin-top:.6em}
.bars{margin:18px 0 6px}
.bar{margin-bottom:11px}
.bar__top{display:flex;justify-content:space-between;font-size:.78rem;font-weight:600;color:var(--ink-3);margin-bottom:5px}
.bar__track{height:7px;border-radius:99px;background:#E9E1D2;overflow:hidden}
.bar__fill{height:100%;border-radius:99px;background:linear-gradient(90deg,#C9A34A,#A9802B);width:0;transition:width .5s ease}
.bar:nth-child(2) .bar__fill{background:linear-gradient(90deg,#4E7A6A,#2C5749)}
.bar:nth-child(3) .bar__fill{background:linear-gradient(90deg,#6C7C95,#3B4C63)}
.bar:nth-child(4) .bar__fill{background:linear-gradient(90deg,#C08A6E,#8E5B41)}
.bar:nth-child(5) .bar__fill{background:linear-gradient(90deg,#9A8CB0,#6A5B84)}
.calc__note{font-size:.72rem;color:var(--muted-2);line-height:1.5;margin-top:14px}

/* ---------- steps ---------- */
.steps{counter-reset:s;display:grid;gap:0}
.step{
  display:grid;grid-template-columns:auto 1fr;gap:18px;padding:24px 0;border-bottom:1px solid var(--line-2);
}
.step:last-child{border-bottom:0}
.step__n{
  counter-increment:s;width:38px;height:38px;border-radius:50%;display:grid;place-items:center;
  border:1px solid var(--gold-soft);background:#FCF7EA;color:var(--gold-ink);
  font:700 .9rem/1 var(--sans);flex:0 0 auto;
}
.step__n::before{content:counter(s,decimal-leading-zero)}
.step h3{margin-bottom:.3em;font-size:1.1rem}
.step p{font-size:.94rem;color:var(--muted);margin:0}

/* ---------- faq ---------- */
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{
  list-style:none;cursor:pointer;padding:20px 44px 20px 0;position:relative;
  font-family:var(--serif);font-size:1.06rem;line-height:1.35;color:var(--ink);
  transition:color .16s;
}
.faq summary::-webkit-details-marker{display:none}
.faq summary:hover{color:var(--gold-ink)}
.faq summary::after,.faq summary::before{
  content:"";position:absolute;right:6px;top:50%;background:var(--gold);border-radius:2px;
}
.faq summary::before{width:12px;height:1.6px;transform:translateY(-50%)}
.faq summary::after{width:1.6px;height:12px;transform:translateY(-50%);transition:transform .2s,opacity .2s}
.faq details[open] summary::after{transform:translateY(-50%) rotate(90deg);opacity:0}
.faq__a{padding:0 44px 22px 0;color:var(--muted);font-size:.95rem}
.faq__a p{margin-bottom:.7em}
.faq--tight summary{padding:16px 40px 16px 0;font-size:1rem}
.faq--tight .faq__a{padding-bottom:18px;font-size:.92rem}

/* ---------- callouts ---------- */
.note{
  border-left:3px solid var(--gold);background:#FCF8EE;border-radius:0 var(--radius-sm) var(--radius-sm) 0;
  padding:16px 20px;font-size:.9rem;color:#3B4553;margin:1.6em 0;
}
.note b{color:var(--ink)}
.note--sage{border-left-color:var(--sage);background:#F1F6F3}
.note--tight{padding:14px 16px}
.note--tight p{font-size:.87rem;margin:0}
.note--warn{border-left-color:#A9532F;background:#FCF2EC}

.disclosure{
  font-size:.78rem;color:var(--muted-2);line-height:1.6;background:var(--paper-2);
  border:1px solid var(--line-2);border-radius:var(--radius-sm);padding:12px 16px;
}
.disclosure a{color:var(--ink-3)}

/* ---------- CTA band ---------- */
.ctaband{
  position:relative;overflow:hidden;background:var(--ink);color:#F3EDE1;
  border-radius:22px;padding:clamp(30px,4.2vw,54px);
}
.ctaband::before{
  content:"";position:absolute;inset:0;pointer-events:none;
  background:
    radial-gradient(600px 300px at 88% 10%, rgba(176,138,50,.32), transparent 65%),
    radial-gradient(500px 320px at 6% 96%, rgba(44,87,73,.42), transparent 62%);
}
.ctaband>*{position:relative}
.ctaband h2{color:#FDFAF3;margin-bottom:.35em}
.ctaband p{color:#CBD4DF;max-width:44em;margin-bottom:1.5em}
.ctaband .btn--gold{box-shadow:0 14px 30px -14px rgba(0,0,0,.7)}

/* ---------- footer ---------- */
.ftr{background:#0B1524;color:#AEB9C7;padding:clamp(42px,5vw,64px) 0 26px;font-size:.88rem}
.ftr a{color:#D8DFE8;text-decoration:none}
.ftr a:hover{color:var(--gold-soft);text-decoration:underline;text-underline-offset:3px}
.ftr__top{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:32px;padding-bottom:36px;border-bottom:1px solid rgba(255,255,255,.1)}
.ftr .brand__txt{color:#F4EFE4}
.ftr .brand__txt span{color:#8B97A6}
.ftr__about{margin-top:14px;max-width:30em;color:#93A0B0;font-size:.84rem;line-height:1.6}
.ftr h4{color:#EAE4D7;font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;margin:0 0 14px;font-weight:700}
.ftr ul{list-style:none;padding:0;margin:0}
.ftr li{margin:.5em 0}
.ftr__legal{padding-top:22px;display:flex;flex-wrap:wrap;gap:10px 22px;align-items:center;justify-content:space-between;color:#7D8A9A;font-size:.78rem}
.ftr__legal nav{display:flex;flex-wrap:wrap;gap:14px}
.ftr__disc{margin-top:20px;font-size:.74rem;line-height:1.7;color:#8B98A8;max-width:70em}

/* ---------- sticky mobile CTA ---------- */
.mcta{
  position:fixed;left:0;right:0;bottom:0;z-index:70;display:none;
  padding:10px 14px calc(10px + env(safe-area-inset-bottom));
  background:rgba(251,248,242,.94);
  -webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);
  border-top:1px solid var(--line);
  box-shadow:0 -8px 24px -18px rgba(14,26,43,.5);
}
.mcta .btn{width:100%;padding:14px 18px;font-size:.92rem}

/* ---------- misc ---------- */
.pill{
  display:inline-flex;align-items:center;gap:.5em;padding:6px 13px;border-radius:999px;
  background:var(--white);border:1px solid var(--line);font-size:.76rem;font-weight:700;color:var(--ink-3);
}
.pill i{width:6px;height:6px;border-radius:50%;background:var(--sage);display:block}
.toc{
  background:var(--white);border:1px solid var(--line);border-radius:var(--radius);
  padding:18px 22px;font-size:.9rem;
}
.toc h2{font-size:.72rem;font-family:var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--muted-2);margin:0 0 10px;font-weight:700}
.toc ol{margin:0;padding-left:1.1em}
.toc li{margin:.34em 0}
.toc a{text-decoration:none;border-bottom:1px solid transparent;color:var(--ink-3)}
.toc a:hover{color:var(--gold-ink);border-bottom-color:var(--gold-soft)}

.breadcrumb{font-size:.78rem;color:var(--muted-2);margin-bottom:18px}
.breadcrumb ol{list-style:none;display:flex;flex-wrap:wrap;gap:8px;padding:0;margin:0}
.breadcrumb li+li::before{content:"/";margin-right:8px;color:var(--line)}
.breadcrumb a{color:var(--muted);text-decoration:none}
.breadcrumb a:hover{color:var(--gold-ink)}

.pagehead{padding:clamp(30px,4vw,52px) 0 clamp(26px,3vw,40px);background:linear-gradient(180deg,#FCFAF5,#F8F4EB);border-bottom:1px solid var(--line-2)}
.pagehead h1{margin-bottom:.45em;max-width:22em}
.pagehead .lede{max-width:44em}
.pagehead__meta{display:flex;flex-wrap:wrap;gap:10px;margin-top:20px;font-size:.78rem;color:var(--muted-2)}

.mt0{margin-top:0}
.mt1{margin-top:10px}
.mt2{margin-top:20px}
.mt3{margin-top:30px}
.mt4{margin-top:44px}
.mb0{margin-bottom:0}
.mb1{margin-bottom:10px}
.mb2{margin-bottom:20px}
.mb3{margin-bottom:30px}
.mxa{margin-left:auto;margin-right:auto}

.kpi{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:6px}
.kpi div{background:var(--white);border:1px solid var(--line);border-radius:var(--radius-sm);padding:14px 16px}
.kpi b{display:block;font-family:var(--serif);font-size:1.35rem;line-height:1.1;font-variant-numeric:tabular-nums}
.kpi span{font-size:.74rem;color:var(--muted-2);display:block;margin-top:3px;line-height:1.4}

.proof{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;text-align:center}
.proof div{padding:10px}
.proof b{display:block;font-family:var(--serif);font-size:clamp(1.4rem,1.2rem + .8vw,1.85rem);line-height:1;letter-spacing:-.02em}
.proof span{font-size:.75rem;color:var(--muted-2);display:block;margin-top:6px;line-height:1.45}

.quote{
  border-left:2px solid var(--gold);padding-left:20px;font-family:var(--serif);
  font-size:1.1rem;line-height:1.55;color:var(--ink-2);margin:1.6em 0;
}

.tagrow{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 1.2em;padding:0;list-style:none}
.tagrow li{margin:0}

/* ---------- responsive ---------- */
@media (max-width:1024px){
  .hero__grid{grid-template-columns:1fr;gap:34px}
  .qcard{max-width:520px}
  .g4{grid-template-columns:repeat(2,minmax(0,1fr))}
  .ftr__top{grid-template-columns:1fr 1fr;gap:28px}
  .stats{grid-template-columns:repeat(2,minmax(0,1fr))}
  .proof{grid-template-columns:repeat(2,1fr)}
}

@media (max-width:900px){
  :root{--hdr-h:62px}
  body{font-size:16.5px}
  .navbtn{display:grid}
  .nav{
    position:absolute;left:0;right:0;top:var(--hdr-h);
    flex-direction:column;align-items:stretch;gap:0;
    background:var(--paper);border-bottom:1px solid var(--line);
    padding:8px 22px 20px;box-shadow:0 24px 40px -28px rgba(14,26,43,.6);
    display:none;
  }
  .nav.is-open{display:flex}
  .nav a:not(.btn){padding:13px 2px;border-bottom:1px solid var(--line-2);font-size:.95rem}
  .nav .btn{margin-top:16px;justify-content:center}
  .hdr__in{position:relative}
  .split{grid-template-columns:1fr}
  .calc__body{grid-template-columns:1fr}
  .calc__form{border-right:0;border-bottom:1px solid var(--line-2)}
  .mcta{display:block}
  .ftr{padding-bottom:86px}
  body{padding-bottom:0}
}

@media (max-width:680px){
  .wrap{padding:0 18px}
  .g2,.g3,.g4,.kpi{grid-template-columns:1fr}
  .hero__cta .btn{width:100%}
  .hero__meta{gap:6px 14px}
  .ftr__top{grid-template-columns:1fr;gap:26px}
  .ftr__legal{flex-direction:column;align-items:flex-start}
  table{font-size:.82rem}
  th,td{padding:10px 11px}
  .step{grid-template-columns:auto 1fr;gap:14px;padding:20px 0}
  .step__n{width:32px;height:32px;font-size:.82rem}
  .ctaband{border-radius:16px}
  .proof{grid-template-columns:1fr 1fr;gap:10px}
  .toc{padding:16px 18px}
}

@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.001ms !important;animation-iteration-count:1 !important;transition-duration:.001ms !important;scroll-behavior:auto !important}
}

@media print{
  .hdr,.mcta,.ftr,.ctaband{display:none}
  body{background:#fff}
}