/* Financial Helpers — shared styles */

:root {
  --navy: #0d1b2a;
  --navy-soft: #16293d;
  --teal: #14807a;
  --teal-dark: #0f605c;
  --mint: #d8f0ec;
  --ink: #1c2733;
  --muted: #5c6b7a;
  --line: #e2e8ee;
  --bg: #ffffff;
  --bg-alt: #f5f8fa;
  --radius: 10px;
  --wrap: 1140px;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: "Segoe UI", system-ui, -apple-system, Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
}

h1, h2, h3, h4 { line-height: 1.25; margin: 0 0 0.6em; color: var(--navy); }
h1 { font-size: clamp(2rem, 4.5vw, 3.1rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); }
h3 { font-size: 1.15rem; }
p { margin: 0 0 1rem; }
a { color: var(--teal); }

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 20px; }
.center { text-align: center; }
.muted { color: var(--muted); }

/* ---------- Header ---------- */

.topbar {
  background: var(--navy);
  color: #b9c6d4;
  font-size: 0.82rem;
}
.topbar .wrap {
  display: flex;
  flex-wrap: wrap;
  gap: 6px 22px;
  align-items: center;
  padding-top: 8px;
  padding-bottom: 8px;
}
.topbar a { color: #b9c6d4; text-decoration: none; }
.topbar a:hover { color: #fff; }
.topbar .spacer { margin-left: auto; }

.nav {
  background: var(--navy-soft);
  position: sticky;
  top: 0;
  z-index: 40;
}
.nav .wrap {
  display: flex;
  align-items: center;
  gap: 18px;
  padding-top: 14px;
  padding-bottom: 14px;
}
.brand {
  font-weight: 700;
  font-size: 1.15rem;
  color: #fff;
  text-decoration: none;
  margin-right: auto;
  white-space: nowrap;
}
.brand span { color: #4fd1c5; }
.nav ul {
  display: flex;
  flex-wrap: wrap;
  gap: 4px 16px;
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav a {
  color: #dbe4ec;
  text-decoration: none;
  font-size: 0.88rem;
  padding: 4px 0;
  white-space: nowrap;
}
.nav a:hover, .nav a[aria-current="page"] { color: #4fd1c5; }

.btn {
  display: inline-block;
  background: var(--teal);
  color: #fff;
  padding: 11px 22px;
  border-radius: var(--radius);
  text-decoration: none;
  font-weight: 600;
  font-size: 0.94rem;
  border: 2px solid var(--teal);
  cursor: pointer;
}
.btn:hover { background: var(--teal-dark); border-color: var(--teal-dark); }
.btn-ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,0.5); }
.btn-ghost:hover { background: rgba(255,255,255,0.12); border-color: #fff; }
.btn-lg { padding: 14px 30px; font-size: 1rem; }

/* ---------- Sections ---------- */

section { padding: 68px 0; }
section.alt { background: var(--bg-alt); }
.eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-size: 0.76rem;
  font-weight: 700;
  color: var(--teal);
  margin: 0 0 10px;
}
.lede { font-size: 1.08rem; color: var(--muted); max-width: 62ch; }
.center .lede { margin-left: auto; margin-right: auto; }

.hero {
  background: linear-gradient(135deg, var(--navy) 0%, #123b45 100%);
  color: #fff;
  padding: 90px 0;
}
.hero h1 { color: #fff; }
.hero p { color: #c8d6e2; font-size: 1.12rem; max-width: 60ch; }
.hero .eyebrow { color: #4fd1c5; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 26px; }

.pagehead {
  background: var(--navy);
  color: #fff;
  padding: 54px 0;
}
.pagehead h1 { color: #fff; margin-bottom: 6px; }
.crumb { color: #93a6b8; font-size: 0.88rem; }
.crumb a { color: #93a6b8; }

.grid { display: grid; gap: 22px; }
.grid-2 { grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); }
.grid-3 { grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.grid-4 { grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); }

.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px;
}
.card h3 { margin-bottom: 8px; }
.card p:last-child { margin-bottom: 0; }
.card .ico {
  width: 42px; height: 42px;
  border-radius: 8px;
  background: var(--mint);
  color: var(--teal-dark);
  display: grid; place-items: center;
  font-size: 1.2rem;
  margin-bottom: 14px;
}

ul.ticks { list-style: none; padding: 0; margin: 0; }
ul.ticks li { padding: 7px 0 7px 28px; position: relative; }
ul.ticks li::before {
  content: "✓";
  position: absolute; left: 0;
  color: var(--teal);
  font-weight: 700;
}

/* ---------- Pricing ---------- */

.price-card { display: flex; flex-direction: column; }
.price-card .amount {
  font-size: 2.4rem;
  font-weight: 700;
  color: var(--navy);
  margin: 6px 0 2px;
}
.price-card .amount small { font-size: 0.95rem; font-weight: 400; color: var(--muted); }
.price-card ul { margin: 16px 0 22px; }
.price-card .btn { margin-top: auto; text-align: center; }
.price-card.featured { border-color: var(--teal); border-width: 2px; }
.tag {
  display: inline-block;
  background: var(--mint);
  color: var(--teal-dark);
  font-size: 0.74rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 4px 10px;
  border-radius: 999px;
}

.band {
  background: linear-gradient(135deg, var(--teal-dark) 0%, var(--navy) 100%);
  color: #fff;
}
.band h2 { color: #fff; }
.band p { color: #cfe3e0; }

/* ---------- FAQ ---------- */

details.faq {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 16px 20px;
  margin-bottom: 12px;
  background: #fff;
}
details.faq summary {
  cursor: pointer;
  font-weight: 600;
  color: var(--navy);
  list-style: none;
}
details.faq summary::-webkit-details-marker { display: none; }
details.faq summary::after { content: "+"; float: right; color: var(--teal); font-weight: 700; }
details.faq[open] summary::after { content: "–"; }
details.faq p { margin: 12px 0 0; color: var(--muted); }

blockquote.quote {
  margin: 0;
  font-size: 1.15rem;
  color: var(--navy);
  max-width: 60ch;
}
blockquote.quote footer { font-size: 0.9rem; color: var(--muted); margin-top: 14px; }

/* ---------- Forms ---------- */

.form-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 30px;
}
.field { margin-bottom: 16px; }
.field label { display: block; font-size: 0.88rem; font-weight: 600; margin-bottom: 6px; }
.field input, .field textarea, .field select {
  width: 100%;
  padding: 11px 13px;
  border: 1px solid var(--line);
  border-radius: 8px;
  font: inherit;
  font-size: 0.95rem;
  background: #fff;
  color: var(--ink);
}
.field input:focus, .field textarea:focus, .field select:focus {
  outline: 2px solid var(--teal);
  outline-offset: 1px;
  border-color: var(--teal);
}
.consent {
  display: flex;
  gap: 11px;
  align-items: flex-start;
  font-size: 0.82rem;
  color: var(--muted);
  margin-bottom: 16px;
  line-height: 1.55;
}
.consent input { margin-top: 3px; flex: 0 0 auto; width: 16px; height: 16px; }

.form-error {
  background: #fdecec;
  border: 1px solid #f0b4b4;
  color: #9b1c1c;
  border-radius: 8px;
  padding: 13px 16px;
  margin-bottom: 18px;
  font-size: 0.92rem;
}
[hidden] { display: none !important; }

/* ---------- Footer ---------- */

footer.site {
  background: var(--navy);
  color: #a9b8c7;
  padding: 56px 0 26px;
  font-size: 0.92rem;
}
footer.site h4 { color: #fff; font-size: 0.98rem; margin-bottom: 14px; }
footer.site a { color: #a9b8c7; text-decoration: none; }
footer.site a:hover { color: #4fd1c5; }
footer.site ul { list-style: none; padding: 0; margin: 0; }
footer.site ul li { margin-bottom: 8px; }
.foot-grid {
  display: grid;
  gap: 32px;
  grid-template-columns: repeat(auto-fit, minmax(210px, 1fr));
}
.foot-bottom {
  border-top: 1px solid rgba(255,255,255,0.12);
  margin-top: 38px;
  padding-top: 20px;
  font-size: 0.82rem;
  color: #8397aa;
}
.foot-bottom p { margin: 0 0 8px; }

/* ---------- Utility ---------- */

.stack-lg > * + * { margin-top: 34px; }
:focus-visible { outline: 2px solid var(--teal); outline-offset: 2px; }

@media (max-width: 760px) {
  section { padding: 48px 0; }
  .hero { padding: 62px 0; }
  .nav .wrap { flex-wrap: wrap; }
  .nav ul { order: 3; width: 100%; }
  .topbar .spacer { margin-left: 0; }
}

@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition: none !important; }
}