/* =========================================================
   I Buy San Diego Houses For Cash — design system
   ========================================================= */

/* ---------- tokens ---------- */
:root {
  --ink: #0b1d2c;
  --ink-2: #13314a;
  --paper: #ffffff;
  --sand: #f7f5f1;
  --sand-2: #efece5;
  --line: #e2ded6;
  --line-strong: #cfc9be;

  --brand: #0e6e62;
  --brand-600: #0a5349;
  --brand-050: #e9f4f1;
  --brand-100: #cfe7e1;

  --gold: #f2a93b;
  --gold-600: #d98e1c;
  --gold-050: #fdf3e2;

  --red: #b3261e;
  --red-050: #fbeceb;
  --green: #1f7a45;

  --text: #16242f;
  --muted: #5c6b78;
  --muted-2: #7d8b96;

  --radius-sm: 8px;
  --radius: 14px;
  --radius-lg: 22px;
  --radius-pill: 999px;

  --shadow-sm: 0 1px 2px rgba(11, 29, 44, .06), 0 1px 3px rgba(11, 29, 44, .05);
  --shadow: 0 4px 16px rgba(11, 29, 44, .08), 0 1px 3px rgba(11, 29, 44, .05);
  --shadow-lg: 0 18px 48px rgba(11, 29, 44, .14), 0 4px 12px rgba(11, 29, 44, .07);

  --maxw: 1180px;
  --maxw-narrow: 760px;

  --font-display: 'Fraunces', 'Iowan Old Style', Georgia, 'Times New Roman', serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;

  --step-0: clamp(1rem, .97rem + .14vw, 1.075rem);
  --step-1: clamp(1.15rem, 1.09rem + .3vw, 1.35rem);
  --step-2: clamp(1.4rem, 1.28rem + .6vw, 1.8rem);
  --step-3: clamp(1.75rem, 1.5rem + 1.2vw, 2.5rem);
  --step-4: clamp(2.1rem, 1.6rem + 2.4vw, 3.6rem);
}

/* ---------- reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: var(--step-0);
  line-height: 1.65;
  color: var(--text);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg, video { max-width: 100%; height: auto; display: block; }
a { color: var(--brand-600); text-decoration-thickness: 1px; text-underline-offset: 2px; }
a:hover { color: var(--brand); }
button { font: inherit; }
h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.12;
  letter-spacing: -.015em;
  color: var(--ink);
  margin: 0 0 .5em;
  text-wrap: balance;
}
h1 { font-size: var(--step-4); }
h2 { font-size: var(--step-3); }
h3 { font-size: var(--step-2); }
h4 { font-size: var(--step-1); }
p { margin: 0 0 1.1em; text-wrap: pretty; }
ul, ol { margin: 0 0 1.2em; padding-left: 1.3em; }
li { margin-bottom: .45em; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; border-radius: 4px; }

.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 999;
  background: var(--ink); color: #fff; padding: .8rem 1.2rem; border-radius: 0 0 8px 0;
}
.skip-link:focus { left: 0; color: #fff; }

/* ---------- layout ---------- */
.wrap { width: 100%; max-width: var(--maxw); margin-inline: auto; padding-inline: 20px; }
.wrap-narrow { width: 100%; max-width: var(--maxw-narrow); margin-inline: auto; padding-inline: 20px; }
section { padding-block: clamp(44px, 6vw, 84px); }
section.tight { padding-block: clamp(32px, 4vw, 56px); }
.bg-sand { background: var(--sand); }
.bg-ink { background: var(--ink); color: #dbe4ea; }
.bg-ink h1, .bg-ink h2, .bg-ink h3, .bg-ink h4 { color: #fff; }
.bg-brand { background: var(--brand); color: #e6f2ef; }
.bg-brand h2, .bg-brand h3 { color: #fff; }

.grid { display: grid; gap: clamp(18px, 2.4vw, 30px); }
.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)); }
@media (max-width: 900px) { .g3, .g4 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 640px) { .g2, .g3, .g4 { grid-template-columns: 1fr; } }

.eyebrow {
  font-family: var(--font-body);
  font-size: .78rem; font-weight: 600; letter-spacing: .13em; text-transform: uppercase;
  color: var(--brand); margin: 0 0 .7rem;
}
.bg-ink .eyebrow, .bg-brand .eyebrow { color: var(--gold); }
.lede { font-size: var(--step-1); color: var(--muted); max-width: 62ch; }
.bg-ink .lede { color: #b7c6d1; }
.center { text-align: center; }
.center .lede { margin-inline: auto; }
.mb0 { margin-bottom: 0; }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .55em;
  padding: .95em 1.7em;
  font-family: var(--font-body); font-size: 1rem; font-weight: 650; line-height: 1;
  border-radius: var(--radius-pill); border: 2px solid transparent;
  text-decoration: none; cursor: pointer; text-align: center; white-space: nowrap;
  transition: transform .14s ease, box-shadow .18s ease, background-color .18s ease, color .18s ease;
}
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--gold); color: #26170a; box-shadow: 0 6px 18px rgba(217, 142, 28, .32); }
.btn-primary:hover { background: var(--gold-600); color: #1c1105; box-shadow: 0 8px 24px rgba(217, 142, 28, .4); }
.btn-brand { background: var(--brand); color: #fff; }
.btn-brand:hover { background: var(--brand-600); color: #fff; }
.btn-ghost { border-color: currentColor; color: var(--ink); background: transparent; }
.btn-ghost:hover { background: var(--ink); color: #fff; }
.bg-ink .btn-ghost, .bg-brand .btn-ghost { color: #fff; }
.bg-ink .btn-ghost:hover { background: #fff; color: var(--ink); }
.btn-lg { padding: 1.1em 2.1em; font-size: 1.06rem; }
.btn-block { display: flex; width: 100%; }
.btn-row { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; }
.btn-row.center { justify-content: center; }
.btn-note { font-size: .87rem; color: var(--muted); margin: .8rem 0 0; }
.bg-ink .btn-note { color: #9fb1bf; }

/* ---------- header ---------- */
.topbar {
  background: var(--ink); color: #cbd8e2; font-size: .84rem;
  padding: .45rem 0;
}
.topbar .wrap { display: flex; justify-content: space-between; align-items: center; gap: 14px; flex-wrap: wrap; }
.topbar a { color: #fff; font-weight: 600; text-decoration: none; }
.topbar a:hover { color: var(--gold); }
.topbar .dot { color: var(--gold); }

.site-header {
  position: sticky; top: 0; z-index: 60;
  background: rgba(255, 255, 255, .94);
  backdrop-filter: saturate(160%) blur(10px);
  border-bottom: 1px solid var(--line);
}
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 18px; min-height: 70px; }
.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; flex-shrink: 0; }
.logo-mark {
  width: 38px; height: 38px; border-radius: 10px; flex-shrink: 0;
  background: var(--brand); color: #fff;
  display: grid; place-items: center; font-family: var(--font-display); font-weight: 700; font-size: 1.05rem;
}
.logo-text { display: flex; flex-direction: column; line-height: 1.1; }
.logo-text strong { font-family: var(--font-display); font-size: 1.02rem; color: var(--ink); font-weight: 650; letter-spacing: -.01em; }
.logo-text span { font-size: .7rem; letter-spacing: .1em; text-transform: uppercase; color: var(--muted-2); font-weight: 600; }

.nav { display: flex; align-items: center; gap: 4px; }
.nav a {
  padding: .55rem .7rem; border-radius: 8px; text-decoration: none;
  color: var(--text); font-weight: 550; font-size: .95rem; white-space: nowrap;
}
.nav a:hover { background: var(--sand); color: var(--ink); }
.nav a[aria-current="page"] { color: var(--brand-600); background: var(--brand-050); }
/* the nav's own CTA is for the collapsed mobile menu only */
.nav > .btn { display: none; }
.header-cta { display: flex; align-items: center; gap: 14px; }
.header-cta .btn { padding: .8em 1.35em; }
@media (max-width: 1240px) {
  .nav a { padding: .5rem .5rem; font-size: .9rem; }
  .site-header .wrap { gap: 12px; }
}
.header-phone { display: inline-flex; align-items: center; gap: 7px; font-weight: 700; color: var(--ink); text-decoration: none; white-space: nowrap; }
.header-phone:hover { color: var(--brand); }

.nav-toggle {
  display: none; background: none; border: 1px solid var(--line-strong); border-radius: 10px;
  padding: .5rem .7rem; cursor: pointer; color: var(--ink); font-weight: 600; align-items: center; gap: 8px;
}
@media (max-width: 1040px) {
  .nav, .header-cta .btn { display: none; }
  .nav-toggle { display: inline-flex; }
  .nav.open {
    display: flex; flex-direction: column; align-items: stretch; gap: 2px;
    position: absolute; top: 100%; left: 0; right: 0;
    background: #fff; border-bottom: 1px solid var(--line);
    padding: 12px 20px 20px; box-shadow: var(--shadow-lg);
    max-height: 75vh; overflow-y: auto;
  }
  .nav.open a { padding: .8rem .6rem; border-bottom: 1px solid var(--sand-2); border-radius: 0; }
  .nav.open .btn { display: flex; margin-top: 12px; }
}
@media (max-width: 560px) { .header-phone span.lbl { display: none; } }
@media (max-width: 700px) {
  .topbar { font-size: .8rem; }
  .topbar .wrap > span:first-child { display: none; }
  .topbar .wrap { justify-content: center; }
}

/* ---------- hero ---------- */
.hero {
  position: relative; overflow: hidden;
  background:
    radial-gradient(1100px 520px at 78% -8%, rgba(14, 110, 98, .22), transparent 60%),
    radial-gradient(760px 420px at 8% 108%, rgba(242, 169, 59, .14), transparent 62%),
    linear-gradient(168deg, #0b1d2c 0%, #123047 58%, #0d2438 100%);
  color: #e4ecf2;
  padding-block: clamp(48px, 6vw, 84px);
}
.hero::after {
  content: ''; position: absolute; inset: auto 0 0 0; height: 190px;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 190' preserveAspectRatio='none'%3E%3Cpath fill='%23ffffff' fill-opacity='.045' d='M0 152h58l10-30 12 30h44v-52l16-9 16 9v52h40l8-64 10 64h52v-88l22-12 22 12v88h46v-40h34v40h58l12-74 14 74h40v-56l18-10 18 10v56h44v-96l24-13 24 13v96h48v-46h36v46h54l10-68 12 68h46v-58l20-11 20 11v58h42v-84l22-12 22 12v84h50v-42h34v42h56l12-70 14 70h42v-60l18-10 18 10v60h46v-92l24-13 24 13v92h52v-48h36v48h58v38H0z'/%3E%3C/svg%3E") bottom center / cover no-repeat;
  pointer-events: none;
}
.hero .wrap { position: relative; z-index: 2; }
.hero-grid { display: grid; grid-template-columns: 1.06fr .94fr; gap: clamp(28px, 4vw, 56px); align-items: start; }
@media (max-width: 980px) { .hero-grid { grid-template-columns: 1fr; } }
.hero h1 { color: #fff; font-size: var(--step-4); margin-bottom: .35em; }
.hero h1 em { font-style: normal; color: var(--gold); }
.hero-sub { font-size: var(--step-1); color: #bacbd8; max-width: 56ch; }
.hero-points { list-style: none; padding: 0; margin: 1.4rem 0 1.7rem; display: grid; gap: .6rem; }
.hero-points li { display: flex; gap: .65rem; align-items: flex-start; color: #d7e3ec; margin: 0; }
.hero-points svg { flex-shrink: 0; margin-top: 4px; color: var(--gold); }

.trust-strip { border-top: 1px solid rgba(255, 255, 255, .14); margin-top: 2rem; padding-top: 1.3rem; display: flex; flex-wrap: wrap; gap: clamp(18px, 3vw, 42px); }
.trust-item strong { display: block; font-family: var(--font-display); font-size: 1.65rem; color: #fff; line-height: 1.1; }
.trust-item span { font-size: .82rem; color: #9db0be; letter-spacing: .04em; }

/* ---------- offer card / forms ---------- */
.offer-card {
  background: #fff; color: var(--text); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); overflow: hidden; border: 1px solid rgba(255, 255, 255, .5);
}
.offer-card-head { background: var(--brand); color: #fff; padding: 1.15rem 1.5rem; }
.offer-card-head h2, .offer-card-head p { color: #fff; margin: 0; }
.offer-card-head h2 { font-size: 1.35rem; }
.offer-card-head p { font-size: .9rem; color: #c9e3dd; margin-top: .25rem; }
.offer-card-body { padding: 1.5rem; }

.field { margin-bottom: 1rem; }
.field label { display: block; font-size: .88rem; font-weight: 650; color: var(--ink); margin-bottom: .35rem; }
.field .hint { font-size: .8rem; color: var(--muted); font-weight: 400; }
.field input, .field select, .field textarea {
  width: 100%; padding: .85rem .95rem; font: inherit; font-size: 1rem; color: var(--text);
  background: #fff; border: 1.5px solid var(--line-strong); border-radius: var(--radius-sm);
  transition: border-color .15s ease, box-shadow .15s ease;
}
.field input:focus, .field select:focus, .field textarea:focus {
  border-color: var(--brand); box-shadow: 0 0 0 3px var(--brand-050); outline: none;
}
.field input[aria-invalid="true"] { border-color: var(--red); }
.field .err { display: none; color: var(--red); font-size: .82rem; margin-top: .3rem; font-weight: 600; }
.field.has-err .err { display: block; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: .8rem; }
@media (max-width: 480px) { .field-row { grid-template-columns: 1fr; } }
.hp { position: absolute; left: -9999px; opacity: 0; height: 0; overflow: hidden; }

.choice-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: .6rem; }
.choice {
  position: relative; display: flex; align-items: center; gap: .6rem;
  padding: .8rem .9rem; border: 1.5px solid var(--line-strong); border-radius: var(--radius-sm);
  cursor: pointer; font-size: .93rem; font-weight: 550; background: #fff; transition: all .14s ease;
}
.choice input { position: absolute; opacity: 0; width: 0; height: 0; }
.choice:hover { border-color: var(--brand-100); background: var(--brand-050); }
.choice:has(input:checked) { border-color: var(--brand); background: var(--brand-050); box-shadow: 0 0 0 2px var(--brand-050); }
.choice:has(input:focus-visible) { outline: 3px solid var(--gold); outline-offset: 2px; }

.steps-progress { display: flex; gap: 6px; margin-bottom: 1.2rem; }
.steps-progress span { flex: 1; height: 5px; border-radius: 999px; background: var(--sand-2); }
.steps-progress span.on { background: var(--brand); }
.form-step { display: none; }
.form-step.active { display: block; animation: fadeUp .25s ease; }
@keyframes fadeUp { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }
.step-nav { display: flex; gap: 10px; margin-top: 1.1rem; }
.step-nav .btn { flex: 1; }
.btn-back { background: none; border: 1.5px solid var(--line-strong); color: var(--muted); flex: 0 0 auto !important; padding-inline: 1.2em; }
.btn-back:hover { border-color: var(--ink); color: var(--ink); }
.form-legal { font-size: .74rem; color: var(--muted-2); line-height: 1.5; margin: .9rem 0 0; }
.form-legal a { color: var(--muted); }

/* ---------- cards ---------- */
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: clamp(20px, 2.4vw, 30px); box-shadow: var(--shadow-sm);
}
.card h3 { font-size: var(--step-1); margin-bottom: .45em; }
.card p:last-child { margin-bottom: 0; }
.card-icon {
  width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center;
  background: var(--brand-050); color: var(--brand); margin-bottom: 1rem;
}
.card-icon svg { width: 24px; height: 24px; }
.card-link { display: inline-flex; align-items: center; gap: .4em; font-weight: 650; text-decoration: none; margin-top: .4rem; }
.card-link:hover { gap: .65em; }
a.card { text-decoration: none; color: inherit; display: block; transition: transform .16s ease, box-shadow .18s ease, border-color .18s ease; }
a.card:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: var(--brand-100); }
a.card h3 { color: var(--ink); }

/* ---------- numbered steps ---------- */
.steps { counter-reset: s; display: grid; gap: 22px; }
.steps.g3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
@media (max-width: 860px) { .steps.g3 { grid-template-columns: 1fr; } }
.step { position: relative; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px 26px 26px; }
.step::before {
  counter-increment: s; content: counter(s);
  position: absolute; top: -18px; left: 26px;
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--gold); color: #26170a;
  display: grid; place-items: center;
  font-family: var(--font-display); font-weight: 700; font-size: 1.15rem;
  box-shadow: 0 4px 12px rgba(217, 142, 28, .35);
}
.step h3 { margin-top: .5rem; font-size: var(--step-1); }
.step p:last-child { margin-bottom: 0; }
.step .when { display: inline-block; font-size: .78rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--brand); background: var(--brand-050); padding: .25rem .6rem; border-radius: 999px; margin-bottom: .7rem; }

/* ---------- comparison table ---------- */
.table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; border-radius: var(--radius); border: 1px solid var(--line); background: #fff; }
table { width: 100%; border-collapse: collapse; min-width: 640px; font-size: .95rem; }
caption { caption-side: top; text-align: left; padding: 1rem 1.1rem .4rem; font-weight: 600; color: var(--muted); font-size: .9rem; }
th, td { padding: .9rem 1.1rem; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
thead th { background: var(--ink); color: #fff; font-weight: 650; font-size: .88rem; letter-spacing: .02em; border-bottom: none; }
thead th.hl { background: var(--brand); }
tbody tr:last-child td, tbody tr:last-child th { border-bottom: none; }
tbody th { font-weight: 650; color: var(--ink); background: var(--sand); width: 26%; }
td.hl { background: var(--brand-050); font-weight: 600; }
.yes { color: var(--green); font-weight: 700; }
.no { color: var(--red); font-weight: 700; }

/* ---------- FAQ ---------- */
.faq { border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary {
  list-style: none; cursor: pointer; padding: 1.15rem 2.6rem 1.15rem 0; position: relative;
  font-family: var(--font-display); font-size: var(--step-1); font-weight: 600; color: var(--ink); line-height: 1.3;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: ''; position: absolute; right: .4rem; top: 50%; width: 12px; height: 12px;
  border-right: 2.5px solid var(--brand); border-bottom: 2.5px solid var(--brand);
  transform: translateY(-70%) rotate(45deg); transition: transform .2s ease;
}
.faq details[open] summary::after { transform: translateY(-30%) rotate(-135deg); }
.faq summary:hover { color: var(--brand-600); }
.faq .answer { padding: 0 2.6rem 1.4rem 0; color: var(--muted); }
.faq .answer p:last-child, .faq .answer ul:last-child { margin-bottom: 0; }
.faq .answer strong { color: var(--text); }

/* ---------- callouts ---------- */
.callout {
  border-left: 4px solid var(--brand); background: var(--brand-050);
  padding: 1.2rem 1.4rem; border-radius: 0 var(--radius-sm) var(--radius-sm) 0; margin: 1.6rem 0;
}
.callout.warn { border-color: var(--gold-600); background: var(--gold-050); }
.callout.alert { border-color: var(--red); background: var(--red-050); }
.callout p:last-child { margin-bottom: 0; }
.callout strong { color: var(--ink); }

.answer-box {
  background: #fff; border: 1px solid var(--line); border-left: 4px solid var(--gold);
  border-radius: 0 var(--radius) var(--radius) 0; padding: 1.3rem 1.5rem; margin: 0 0 1.8rem;
  box-shadow: var(--shadow-sm);
}
.answer-box p { font-size: 1.06rem; margin-bottom: 0; color: var(--text); }
.answer-box .k { display: block; font-size: .74rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--muted-2); margin-bottom: .5rem; }

.fact-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 0; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; background: #fff; }
.fact-list li { display: grid; grid-template-columns: 40% 1fr; gap: 1rem; padding: .85rem 1.1rem; margin: 0; border-bottom: 1px solid var(--line); font-size: .95rem; }
.fact-list li:last-child { border-bottom: none; }
.fact-list li:nth-child(odd) { background: var(--sand); }
.fact-list dt, .fact-list .k { font-weight: 650; color: var(--ink); }
@media (max-width: 560px) { .fact-list li { grid-template-columns: 1fr; gap: .15rem; } }

.checklist { list-style: none; padding: 0; }
.checklist li { display: flex; gap: .7rem; align-items: flex-start; }
.checklist li::before {
  content: ''; flex-shrink: 0; width: 20px; height: 20px; margin-top: 3px; border-radius: 50%;
  background: var(--brand-050) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='none' stroke='%230e6e62' stroke-width='2.6' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 10.5l3.2 3.2L15 7'/%3E%3C/svg%3E") center / 14px no-repeat;
}
.crosslist { list-style: none; padding: 0; }
.crosslist li { display: flex; gap: .7rem; align-items: flex-start; }
.crosslist li::before {
  content: ''; flex-shrink: 0; width: 20px; height: 20px; margin-top: 3px; border-radius: 50%;
  background: var(--red-050) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='none' stroke='%23b3261e' stroke-width='2.6' stroke-linecap='round'%3E%3Cpath d='M6 6l8 8M14 6l-8 8'/%3E%3C/svg%3E") center / 12px no-repeat;
}

/* ---------- pills / badges ---------- */
.pill-row { display: flex; flex-wrap: wrap; gap: 8px; list-style: none; padding: 0; margin: 0; }
.pill-row li { margin: 0; }
.pill, .pill-row a {
  display: inline-block; padding: .42rem .85rem; border-radius: var(--radius-pill);
  background: #fff; border: 1px solid var(--line-strong); font-size: .87rem; font-weight: 550;
  color: var(--text); text-decoration: none;
}
.pill-row a:hover { border-color: var(--brand); color: var(--brand-600); background: var(--brand-050); }
.badge { display: inline-block; padding: .3rem .7rem; border-radius: var(--radius-pill); font-size: .76rem; font-weight: 700; letter-spacing: .05em; text-transform: uppercase; }
.badge-gold { background: var(--gold-050); color: var(--gold-600); border: 1px solid #f0d9ab; }
.badge-brand { background: var(--brand-050); color: var(--brand-600); border: 1px solid var(--brand-100); }

/* ---------- calculator ---------- */
.calc { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(20px, 3vw, 36px); align-items: start; }
@media (max-width: 860px) { .calc { grid-template-columns: 1fr; } }
.calc-out { background: var(--ink); color: #dbe6ee; border-radius: var(--radius-lg); padding: clamp(22px, 3vw, 32px); position: sticky; top: 92px; }
@media (max-width: 860px) { .calc-out { position: static; } }
.calc-out h3 { color: #fff; }
.calc-line { display: flex; justify-content: space-between; gap: 1rem; padding: .6rem 0; border-bottom: 1px dashed rgba(255, 255, 255, .16); font-size: .94rem; }
.calc-line .v { font-variant-numeric: tabular-nums; font-weight: 650; color: #fff; white-space: nowrap; }
.calc-line.minus .v { color: #f2b0aa; }
.calc-total { display: flex; justify-content: space-between; align-items: baseline; gap: 1rem; margin-top: 1.1rem; padding-top: 1.1rem; border-top: 2px solid rgba(255, 255, 255, .25); }
.calc-total .lbl { font-weight: 650; color: #fff; }
.calc-total .v { font-family: var(--font-display); font-size: clamp(1.6rem, 4vw, 2.2rem); color: var(--gold); font-variant-numeric: tabular-nums; line-height: 1; }
.calc-note { font-size: .8rem; color: #9db0be; margin: 1rem 0 0; }
input[type="range"] { width: 100%; accent-color: var(--brand); height: 28px; }
.range-val { font-weight: 700; color: var(--brand-600); font-variant-numeric: tabular-nums; }

/* ---------- testimonials ---------- */
.quote { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; box-shadow: var(--shadow-sm); display: flex; flex-direction: column; }
.quote .stars { color: var(--gold); letter-spacing: 2px; margin-bottom: .7rem; font-size: 1.05rem; }
.quote blockquote { margin: 0 0 1rem; font-size: 1.02rem; color: var(--text); }
.quote figcaption { margin-top: auto; font-size: .88rem; color: var(--muted); }
.quote figcaption strong { display: block; color: var(--ink); font-size: .95rem; }

/* ---------- CTA band ---------- */
.cta-band {
  background: linear-gradient(140deg, var(--brand-600) 0%, var(--brand) 55%, #10897a 100%);
  color: #e6f4f1; border-radius: var(--radius-lg); padding: clamp(28px, 4vw, 52px);
  display: grid; grid-template-columns: 1.4fr auto; gap: 28px; align-items: center;
}
@media (max-width: 820px) { .cta-band { grid-template-columns: 1fr; text-align: left; } }
.cta-band h2 { color: #fff; margin-bottom: .35em; }
.cta-band p { color: #c8e6de; margin-bottom: 0; }

/* ---------- breadcrumbs ---------- */
.crumbs { font-size: .84rem; color: var(--muted); padding: 1rem 0 0; }
.crumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: .45rem; padding: 0; margin: 0; }
.crumbs li { margin: 0; display: flex; align-items: center; gap: .45rem; }
.crumbs li + li::before { content: '/'; color: var(--line-strong); }
.crumbs a { color: var(--muted); text-decoration: none; }
.crumbs a:hover { color: var(--brand); text-decoration: underline; }

/* ---------- page header ---------- */
.page-head { background: var(--sand); border-bottom: 1px solid var(--line); padding-block: clamp(28px, 4vw, 54px); }
.page-head h1 { margin-bottom: .3em; }
.page-head .lede { margin-bottom: 0; }

/* ---------- prose ---------- */
.prose { max-width: 72ch; }
.prose h2 { margin-top: 2.2em; }
.prose h3 { margin-top: 1.8em; font-size: var(--step-1); }
.prose > :first-child { margin-top: 0; }
.prose ul li, .prose ol li { margin-bottom: .5em; }
.prose img { border-radius: var(--radius); margin-block: 1.6em; }
.prose blockquote { margin: 1.8em 0; padding-left: 1.2em; border-left: 3px solid var(--brand-100); color: var(--muted); font-size: 1.05rem; }

.split { display: grid; grid-template-columns: 1.15fr .85fr; gap: clamp(26px, 4vw, 56px); align-items: start; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; } }
.sidebar-card { position: sticky; top: 92px; }
@media (max-width: 900px) { .sidebar-card { position: static; } }

/* ---------- footer ---------- */
.site-footer { background: var(--ink); color: #a9bcc9; padding-block: clamp(40px, 5vw, 64px) 0; font-size: .93rem; }
.site-footer h4 { color: #fff; font-family: var(--font-body); font-size: .8rem; letter-spacing: .13em; text-transform: uppercase; margin-bottom: 1rem; font-weight: 700; }
.site-footer a { color: #c3d3de; text-decoration: none; }
.site-footer a:hover { color: var(--gold); text-decoration: underline; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: .55rem; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 34px; }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 540px) { .footer-grid { grid-template-columns: 1fr; } }
.footer-brand .logo-text strong { color: #fff; }
.footer-brand .logo-text span { color: var(--muted-2); }
.footer-contact { margin-top: 1.2rem; display: grid; gap: .5rem; }
.footer-contact a { color: #fff; font-weight: 600; }
.footer-bottom { margin-top: 2.6rem; border-top: 1px solid rgba(255, 255, 255, .12); padding-block: 1.4rem 2rem; font-size: .8rem; color: #7f929f; }
.footer-bottom p { margin-bottom: .8rem; }
.footer-bottom .row { display: flex; flex-wrap: wrap; gap: 8px 20px; justify-content: space-between; align-items: center; }
.disclosure { max-width: 90ch; line-height: 1.6; }

/* ---------- sticky mobile CTA ---------- */
.mobile-cta {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 70; display: none;
  background: rgba(255, 255, 255, .97); backdrop-filter: blur(8px);
  border-top: 1px solid var(--line); padding: 10px 14px calc(10px + env(safe-area-inset-bottom));
  gap: 10px; box-shadow: 0 -4px 18px rgba(11, 29, 44, .1);
}
.mobile-cta .btn { flex: 1; padding: .85em 1em; font-size: .95rem; }
@media (max-width: 780px) { .mobile-cta { display: flex; } body { padding-bottom: 74px; } }

/* ---------- misc ---------- */
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0;
}
.muted { color: var(--muted); }
.small { font-size: .87rem; }
hr { border: none; border-top: 1px solid var(--line); margin-block: 2.4rem; }
.anchor-nav { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 2rem; }
.anchor-nav a { font-size: .87rem; padding: .4rem .8rem; border-radius: var(--radius-pill); background: var(--sand); border: 1px solid var(--line); text-decoration: none; color: var(--text); font-weight: 550; }
.anchor-nav a:hover { background: var(--brand-050); border-color: var(--brand-100); color: var(--brand-600); }