:root{
  --cream-50:#f8f6f3; --cream-100:#f2efec; --cream-200:#e6e0d6; --gold-300:#d9c7a1;
  --navy-600:#0d3556; --navy-700:#01233e; --navy-900:#00192a; --ink:#00192a; --ink-soft:#42515f;
  --sun:#b29461; --sun-dark:#8c7142; --coral:#b29461; --mint:#7a8fa3;
  --card:#ffffff; --radius:14px; --shadow:0 10px 30px -14px rgba(0,25,42,.28);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Figtree,system-ui,sans-serif;font-weight:300;color:var(--ink);background:var(--cream-50);line-height:1.65;font-size:17px}
h1,h2,h3{font-family:Figtree,sans-serif;line-height:1.2;margin:0 0 .5em;font-weight:300;letter-spacing:-.015em}
h3{font-weight:500}
a{color:inherit}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;border-radius:8px;z-index:99}
:focus-visible{outline:3px solid var(--sun-dark);outline-offset:3px;border-radius:8px}

/* header */
header{position:sticky;top:0;z-index:20;background:rgba(242,239,236,.92);backdrop-filter:blur(10px);border-bottom:2px solid var(--cream-100)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:12px;padding-bottom:12px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-family:Figtree,sans-serif;font-weight:600;font-size:1.2rem;color:var(--navy-900)}
.brand img{display:block;height:46px;width:auto}
.foot-logo{display:block;height:56px;width:auto}
nav ul{display:flex;gap:6px;list-style:none;margin:0;padding:0;align-items:center}
nav a{text-decoration:none;font-weight:500;padding:8px 14px;border-radius:999px;font-size:.95rem}
nav a:hover{background:var(--cream-100)}
nav a.cta{background:var(--navy-700);color:#fff}
nav a.cta:hover{background:var(--navy-900)}
.menu-btn{display:none;background:var(--cream-100);border:0;border-radius:12px;padding:10px 14px;font:600 .95rem Figtree;color:var(--navy-900);cursor:pointer}

/* hero */
.hero{position:relative;overflow:hidden;background:linear-gradient(180deg,var(--cream-100) 0%,var(--cream-100) 55%,var(--cream-50) 100%);padding:70px 0 110px}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.pill{display:inline-block;background:#fff;color:var(--navy-900);font-weight:600;font-size:.85rem;padding:6px 14px;border-radius:999px;box-shadow:var(--shadow);margin-bottom:18px}
.hero h1{font-size:clamp(2.2rem,5vw,3.6rem);font-weight:300}
.hero h1 span{background:linear-gradient(transparent 66%,var(--gold-300) 66%);padding:0 4px}
.hero p.lead{font-size:1.2rem;color:var(--ink-soft);max-width:34em}
.btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.btn{display:inline-block;text-decoration:none;font-weight:600;padding:14px 26px;border-radius:999px;transition:transform .15s,box-shadow .15s;border:0;cursor:pointer}
.btn:hover{transform:translateY(-3px)}
.btn.primary{background:var(--sun);color:var(--ink);box-shadow:0 5px 0 var(--sun-dark)}
.btn.ghost{background:#fff;color:var(--navy-900);box-shadow:0 5px 0 var(--cream-200)}
.hero-art{position:relative;min-height:340px}
.coin{position:absolute;border-radius:50%;display:grid;place-items:center;font-family:Figtree,sans-serif;font-weight:600;color:#5c4515;background:radial-gradient(circle at 30% 30%,#e8d9b6,var(--sun));border:5px solid var(--sun-dark);box-shadow:var(--shadow);animation:bob 5s ease-in-out infinite}
.coin.c1{width:150px;height:150px;font-size:3.4rem;left:18%;top:10%}
.coin.c2{width:92px;height:92px;font-size:2rem;right:8%;top:2%;animation-delay:-1.5s}
.coin.c3{width:70px;height:70px;font-size:1.5rem;left:4%;bottom:12%;animation-delay:-3s}
.bubble{position:absolute;background:#fff;border-radius:18px;padding:12px 16px;font-weight:600;font-size:.95rem;box-shadow:var(--shadow)}
.bubble.b1{right:0;top:48%;color:var(--navy-900)}
.bubble.b2{left:30%;bottom:0;color:#2f6b57}
@keyframes bob{50%{transform:translateY(-14px) rotate(3deg)}}
.wave{position:absolute;left:0;right:0;bottom:-1px;width:100%;height:70px;display:block}

/* sections */
section{padding:70px 0}
.eyebrow{font-weight:600;color:var(--navy-700);text-transform:uppercase;letter-spacing:.08em;font-size:.82rem}
.sec-head{max-width:640px;margin-bottom:36px}
.sec-head h2{font-size:clamp(1.8rem,3.5vw,2.5rem)}
.sec-head p{color:var(--ink-soft);margin:0}
.grid{display:grid;gap:22px}
.g3{grid-template-columns:repeat(3,1fr)}
.card{background:var(--card);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow);border:2px solid var(--cream-100);text-decoration:none;display:block;transition:transform .2s,border-color .2s}
a.card:hover{transform:translateY(-6px) rotate(-.5deg);border-color:var(--gold-300)}
.icon{width:58px;height:58px;border-radius:18px;display:grid;place-items:center;font-size:1.8rem;margin-bottom:16px}
.card h3{font-size:1.35rem}
.card p{margin:0;color:var(--ink-soft)}
.more{display:inline-block;margin-top:14px;font-weight:600;color:var(--navy-900)}
.i-sun{background:#f1e9d8}.i-sky{background:var(--cream-100)}.i-coral{background:#ece7df}.i-mint{background:#e1e7ec}.i-lav{background:#e1e7ec}.i-peach{background:#f1e9d8}

.start{margin-top:-50px;padding-top:0;position:relative;z-index:2}
.start .card.feature{background:var(--navy-700);border-color:var(--navy-700);color:#fff}
.start .card.feature p{color:#e9e4d9}.start .card.feature .more{color:var(--sun)}

.learn{background:#fff;border-radius:48px 48px 0 0}
.topics{grid-template-columns:repeat(3,1fr)}
.topics .card{padding:22px;display:flex;gap:16px;align-items:flex-start;background:var(--cream-50)}
.topics .icon{margin:0;flex:none;width:52px;height:52px}
.topics h3{font-size:1.2rem;margin-bottom:.2em}
.topics p{font-size:.95rem}

.tools .tool{display:grid;grid-template-columns:auto 1fr;gap:20px;align-items:center}
.tools .big{font-size:2.6rem}

.about .box{background:linear-gradient(135deg,var(--navy-600),var(--navy-700));color:#fff;border-radius:36px;padding:48px;display:grid;grid-template-columns:1fr auto;gap:30px;align-items:center;box-shadow:var(--shadow)}
.about h2{font-size:clamp(1.7rem,3.2vw,2.3rem)}
.about p{margin:0 0 1em;color:#e9e4d9;max-width:36em}

footer{background:var(--ink);color:#d9d2c4;padding:44px 0 30px;font-size:.95rem}
footer .cols{display:flex;flex-wrap:wrap;justify-content:space-between;gap:24px}
footer ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:6px 22px}
footer a{text-decoration:none}footer a:hover{color:var(--sun)}
footer small{display:block;margin-top:26px;opacity:.7;max-width:60em}

@media(max-width:860px){
  .hero .wrap,.about .box{grid-template-columns:1fr}
  .hero-art{min-height:240px}
  .g3,.topics{grid-template-columns:1fr}
  .menu-btn{display:block}
  nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--cream-50);padding:12px 20px 20px;border-bottom:2px solid var(--cream-100)}
  nav.open{display:block}
  nav ul{flex-direction:column;align-items:stretch}
  nav a{display:block}
  .about .box{padding:32px 24px}
}
@media(prefers-reduced-motion:reduce){.coin{animation:none}html{scroll-behavior:auto}.btn,a.card{transition:none}}

/* about page */
.page-hero{background:linear-gradient(180deg,var(--cream-100),var(--cream-50));padding:56px 0 70px;text-align:center}
.page-hero h1{font-size:clamp(2.1rem,5vw,3.2rem);margin:0}
.about-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:36px;align-items:start;margin-top:-30px}
.portrait{background:var(--navy-700);color:#fff;border-radius:36px;padding:36px 28px;text-align:center;box-shadow:var(--shadow);position:sticky;top:96px}
.avatar{width:130px;height:130px;border-radius:50%;background:#fff;margin:0 auto 16px;display:grid;place-items:center;font-size:3.4rem;border:4px solid var(--sun)}
.portrait h2{font-size:1.5rem;margin-bottom:.3em}.portrait p{margin:0 0 18px;color:#e9e4d9}
.stack{display:grid;gap:22px}
.stack .card h2{font-size:1.5rem}.stack .card p{color:var(--ink-soft);margin:0 0 .8em}.stack .card p:last-child{margin:0}
.stack .card a.inline{color:var(--navy-900);font-weight:600}
.soon{background:var(--cream-100)}
.signup{display:flex;flex-wrap:wrap;gap:10px;margin-top:14px}
.signup input{flex:1 1 220px;padding:14px 20px;border-radius:999px;border:2px solid var(--gold-300);font:inherit;background:#fff;color:var(--ink)}
.back{text-align:center;padding:10px 0 60px}
@media(max-width:860px){.about-grid{grid-template-columns:1fr}.portrait{position:static}}

/* article pages (e.g. property) */
nav a[aria-current="page"]{background:var(--cream-100)}
.page-hero .hero-sub{max-width:34em;margin:14px auto 0;color:var(--ink-soft);font-size:1.1rem}
.page-hero .hero-sub a{color:var(--navy-900);font-weight:600}
.article{display:grid;grid-template-columns:250px 1fr;gap:36px;align-items:start;margin-top:-30px}
.toc{position:sticky;top:96px;background:#fff;border-radius:var(--radius);border:2px solid var(--cream-100);box-shadow:var(--shadow);padding:20px 22px}
.toc summary{font-weight:600;cursor:pointer;color:var(--navy-900);list-style:none}
.toc summary::-webkit-details-marker{display:none}
.toc summary::after{content:"▾";float:right}
.toc details:not([open]) summary::after{content:"▸"}
.toc ol{list-style:none;margin:12px 0 0;padding:0;display:grid;gap:2px}
.toc a{display:block;text-decoration:none;padding:6px 12px;border-radius:12px;font-size:.92rem;font-weight:600;color:var(--ink-soft)}
.toc a:hover{background:var(--cream-50)}
.toc a.on{background:var(--cream-100);color:var(--navy-900);font-weight:600}
.article .stack{min-width:0}
.article .card{scroll-margin-top:96px}
.article .card h2{font-size:1.6rem}
.article .card h3{font-size:1.15rem;margin:1.4em 0 .4em}
.article .card ul{color:var(--ink-soft)}
.article .card a:not(.btn){color:var(--navy-900);font-weight:600}
.article .card .links{font-size:.92rem;margin-top:1.2em;padding-top:1em;border-top:2px dashed var(--cream-100)}
.callout{background:var(--cream-50);border-left:5px solid var(--sun-dark);border-radius:0 14px 14px 0;padding:12px 16px;color:var(--ink)!important}

.sum{display:flex;flex-wrap:wrap;align-items:stretch;gap:10px;margin:18px 0}
.sum>div:not(.op){flex:1 1 130px;background:var(--cream-50);border-radius:16px;padding:14px 16px;display:grid;gap:2px}
.sum span{font-size:.82rem;font-weight:600;color:var(--ink-soft)}
.sum strong{font-size:1.4rem;letter-spacing:-.02em}
.sum .hl{background:var(--navy-700)!important;color:#fff}.sum .hl span{color:#e9e4d9}
.sum .op{align-self:center;font-weight:600;font-size:1.4rem;color:var(--navy-600)}

.table-wrap{overflow-x:auto;margin:14px 0}
table{width:100%;border-collapse:separate;border-spacing:0;border-radius:16px;overflow:hidden;border:2px solid var(--cream-100)}
caption{text-align:left;font-weight:600;color:var(--navy-900);padding-bottom:8px}
th,td{padding:12px 16px;text-align:left}
thead th{background:var(--cream-100);font-size:.85rem;text-transform:uppercase;letter-spacing:.06em;color:var(--navy-900)}
tbody th{font-weight:600}
tbody tr+tr>*{border-top:2px solid var(--cream-50)}
tbody td{font-weight:600}

.ticks{list-style:none;padding:0;margin:12px 0;display:grid;gap:8px}
.ticks li{padding-left:30px;position:relative}
.ticks li::before{content:"✓";position:absolute;left:0;top:1px;width:22px;height:22px;border-radius:50%;background:#dfeae4;color:#2f6b57;font-size:.8rem;font-weight:600;display:grid;place-items:center}
.ticks.cross li::before{content:"✕";background:#f1e0dc;color:#9a4a3c}
.chips{list-style:none;padding:0;margin:12px 0;display:flex;flex-wrap:wrap;gap:8px}
.chips li{background:var(--cream-50);border:2px solid var(--cream-100);border-radius:999px;padding:6px 14px;font-weight:600;font-size:.92rem}

.bars{margin:22px 0 0;background:var(--cream-50);border-radius:18px;padding:20px}
.bars figcaption{margin-bottom:14px}
.bar-row{display:grid;grid-template-columns:110px 1fr auto;gap:12px;align-items:center;margin:8px 0;font-size:.92rem}
.bar-row .lbl{font-weight:600}.bar-row .val{font-weight:600;text-align:right}
.track{background:#fff;border-radius:999px;height:14px;overflow:hidden}
.track i{display:block;height:100%;min-width:8px;border-radius:999px;background:linear-gradient(90deg,var(--navy-600),var(--navy-700))}
.bar-row:nth-of-type(2) .track i{background:var(--sun-dark)}
.bar-row:nth-of-type(3) .track i{background:var(--coral)}
.bars .note{font-size:.85rem;margin:14px 0 0}

.two{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:14px 0}
.mini{background:var(--cream-50);border-radius:18px;padding:18px}
.mini p{margin:8px 0 0}.mini .ticks{margin:10px 0 0}
.tag{display:inline-block;background:var(--navy-700);color:#fff;font-weight:600;font-size:.8rem;padding:3px 12px;border-radius:999px}
.tag.alt{background:var(--coral)}

.progress{display:flex;align-items:center;gap:14px;margin:14px 0 6px;font-weight:600;font-size:.9rem;color:var(--navy-900)}
.progress .track{flex:1;background:var(--cream-100)}
.progress .track i{background:var(--mint);transition:width .3s}
.checklist{border:0;padding:0;margin:18px 0 0;display:grid;gap:4px}
.checklist legend{font-weight:600;padding:0;margin-bottom:6px;font-size:1.05rem}
.checklist label{display:flex;gap:12px;align-items:flex-start;padding:10px 14px;border-radius:14px;background:var(--cream-50);cursor:pointer;color:var(--ink-soft)}
.checklist label:hover{background:var(--cream-100)}
.checklist input{flex:none;width:20px;height:20px;margin:2px 0 0;accent-color:var(--navy-700)}
.checklist input:checked+*,.checklist label:has(input:checked){color:var(--ink)}
.checklist label:has(input:checked){background:#dfeae4;text-decoration:line-through;text-decoration-color:rgba(0,25,42,.35)}

.reading{list-style:none;padding:0;margin:12px 0 0;display:grid;gap:8px}
.reading a{display:block;padding:12px 16px;border-radius:14px;background:#fff;text-decoration:none}
.reading a::after{content:" ↗"}
.reading a:hover{background:var(--cream-50)}

.cta-card{background:linear-gradient(135deg,var(--navy-600),var(--navy-700));color:#fff;border-radius:36px;padding:36px 40px;display:flex;flex-wrap:wrap;gap:20px;align-items:center;justify-content:space-between;box-shadow:var(--shadow)}
.cta-card h2{font-size:1.6rem;margin-bottom:.2em}.cta-card p{margin:0;color:#e9e4d9}

@media(max-width:860px){
  .article{grid-template-columns:1fr;gap:20px}
  .toc{position:static}
  .two{grid-template-columns:1fr}
  .bar-row{grid-template-columns:90px 1fr;}
  .bar-row .val{grid-column:1/-1;text-align:left;margin-top:-4px}
  .cta-card{padding:28px 24px}
}

/* homepage (live-site structure) */
nav li.dd{position:relative}
nav li.dd>a::after{content:"▾";margin-left:6px;font-size:.75em}
nav .sub{display:none;position:absolute;top:100%;left:0;z-index:30;min-width:210px;flex-direction:column;align-items:stretch;gap:2px;background:#fff;border:2px solid var(--cream-100);border-radius:18px;box-shadow:var(--shadow);padding:8px}
nav li.dd:hover>.sub,nav li.dd:focus-within>.sub{display:flex}
nav .sub a{display:block;border-radius:12px}
nav a[aria-current="page"]{background:var(--cream-100)}

.social{display:flex;gap:6px;list-style:none;margin:0;padding:0}
.social a{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;color:var(--navy-900);background:var(--cream-100);transition:background .15s,transform .15s}
.social a:hover{background:var(--cream-200);transform:translateY(-2px)}
.social svg{width:20px;height:20px}

.hero h1{max-width:15em}

.start-here{padding:40px 0 70px}
.start-here .sec-head{margin-bottom:24px}
.start-here .sec-head h2,.learn .sec-head h2{margin:0}
.start-here .card.feature{background:var(--navy-700);border-color:var(--navy-700);color:#fff}
.start-here .card.feature p{color:#e9e4d9}.start-here .card.feature .more{color:var(--sun)}

.foot-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:start}
.news h2{font-size:1.5rem;color:#fff;margin-bottom:.2em}
.news p{margin:0 0 16px}
.news .fields{display:flex;flex-wrap:wrap;gap:10px}
.news input{flex:1 1 200px;padding:13px 20px;border-radius:999px;border:2px solid transparent;font:inherit;background:#fff;color:var(--ink)}
.news small{margin-top:12px}
.foot-links{display:grid;gap:16px;justify-items:start}

.foot-links ul:not(.social){list-style:none;margin:0;padding:0;display:grid;gap:6px}
footer .social a{background:rgba(255,255,255,.12);color:#fff}
footer .social a:hover{background:var(--sun);color:var(--ink)}
footer .legal{border-top:1px solid rgba(255,255,255,.15);padding-top:20px}

.consent{position:fixed;z-index:50;right:20px;bottom:20px;width:min(420px,calc(100vw - 40px));background:#fff;border:2px solid var(--cream-100);border-radius:var(--radius);box-shadow:0 20px 50px -12px rgba(22,50,74,.4);padding:22px}
.consent[hidden],.consent-prefs[hidden]{display:none}
.consent h2{font-size:1.2rem;margin-bottom:.3em}
.consent p{margin:0 0 14px;font-size:.92rem;color:var(--ink-soft)}
.consent p a{color:var(--navy-900);font-weight:600}
.consent-btns{display:flex;flex-wrap:wrap;gap:10px}
.consent .btn{padding:10px 18px;font-size:.9rem}
.consent-prefs{border:0;border-top:2px dashed var(--cream-100);margin:16px 0 0;padding:14px 0 0;display:grid;gap:8px;font-size:.92rem}
.consent-prefs legend{font-weight:600;padding:0 0 6px}
.consent-prefs label{display:flex;gap:10px;align-items:center}
.consent-prefs input{accent-color:var(--navy-700);width:18px;height:18px}
.consent-prefs .btn{justify-self:start;margin-top:6px}

@media(max-width:860px){
  .social:not(footer .social){display:none}
  nav .sub{display:flex;position:static;border:0;box-shadow:none;padding:0 0 0 14px;background:transparent;min-width:0}
  nav li.dd>a::after{content:""}
  .foot-grid{grid-template-columns:1fr}
    .consent{right:12px;bottom:12px;width:calc(100vw - 24px)}
}
@media(prefers-reduced-motion:reduce){.social a{transition:none}}
.brand,nav a{white-space:nowrap}
.bar{gap:12px}
@media(max-width:1100px){.bar>.social{display:none}}

/* ===== depth + motion ===== */
.card{box-shadow:0 1px 2px rgba(0,25,42,.06),0 18px 36px -22px rgba(0,25,42,.42)}
a.card:hover{transform:translateY(-8px) rotate(-.4deg);box-shadow:0 2px 4px rgba(0,25,42,.08),0 32px 50px -24px rgba(0,25,42,.55)}
.icon{box-shadow:inset 0 -3px 0 rgba(0,25,42,.06),0 8px 12px -8px rgba(0,25,42,.4);transition:transform .3s cubic-bezier(.3,1.6,.5,1)}
a.card:hover .icon{transform:scale(1.1) rotate(-6deg)}
.btn.primary{background:linear-gradient(180deg,#c9ab76,var(--sun))}
.btn.primary:hover{box-shadow:0 5px 0 var(--sun-dark),0 14px 24px -8px rgba(178,148,97,.9)}
header{transition:box-shadow .3s}
header.scrolled{box-shadow:0 12px 30px -20px rgba(0,25,42,.6)}

/* hero */
.hero{padding:64px 0 140px;background:
  radial-gradient(55% 75% at 76% 48%,rgba(240,184,74,.2),transparent 70%),
  radial-gradient(40% 55% at 6% 12%,rgba(1,35,62,.08),transparent 70%),
  linear-gradient(180deg,var(--cream-100),var(--cream-100) 60%,var(--cream-50))}
.hero::before{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(0,25,42,.14) 1.2px,transparent 1.6px);background-size:24px 24px;-webkit-mask-image:linear-gradient(115deg,transparent 15%,#000 55%,transparent 92%);mask-image:linear-gradient(115deg,transparent 15%,#000 55%,transparent 92%);pointer-events:none}
.hero .wrap{position:relative;z-index:1}
.wave{position:absolute;left:0;bottom:-1px;width:100%;height:90px;display:block}
.wave path{fill:var(--navy-700)}
.wave.back{width:116%;left:-8%;animation:drift 14s ease-in-out infinite alternate}
.wave.back path{fill:rgba(1,35,62,.28)}

.hero-logo{position:relative;display:grid;place-items:center;min-height:430px;padding-bottom:34px}
.logo-enter{position:relative;z-index:1;width:min(100%,440px);animation:pop 1.2s cubic-bezier(.2,.9,.25,1.15) .15s both}
.float{animation:bob 6.5s ease-in-out 1.4s infinite}
.stage{position:relative;transform:perspective(900px) rotateX(var(--rx,0deg)) rotateY(var(--ry,0deg));transition:transform .18s ease-out}
.logo-img{display:block;width:100%;height:auto;filter:drop-shadow(0 26px 24px rgba(0,25,42,.34)) drop-shadow(0 4px 6px rgba(0,25,42,.25))}
.gear{position:absolute;left:45.905%;top:64.278%;width:18.286%;height:auto;transform:translate(-50%,-50%);animation:spin 16s linear infinite}
.glint{position:absolute;inset:0;-webkit-mask:url(assets/logo.png) center/100% 100% no-repeat;mask:url(assets/logo.png) center/100% 100% no-repeat;background:linear-gradient(108deg,transparent 38%,rgba(255,255,255,.5) 50%,transparent 62%) 160% 0/320% 100% no-repeat;animation:glint 7s ease-in-out 2.2s infinite;pointer-events:none}
.glow{position:absolute;inset:4% -4%;background:radial-gradient(closest-side,rgba(240,184,74,.55),rgba(178,148,97,.2) 55%,transparent 75%);filter:blur(12px);animation:pulse 5.5s ease-in-out infinite}
.ground{position:absolute;left:50%;bottom:6px;width:56%;height:26px;margin-left:-28%;border-radius:50%;background:radial-gradient(closest-side,rgba(0,25,42,.42),transparent);animation:ground 6.5s ease-in-out 1.4s infinite}
.coin{position:absolute;z-index:2;left:var(--x);top:var(--y);width:var(--s);height:var(--s);perspective:420px;transform:translate3d(calc(var(--mx,0)*var(--d)*1px),calc(var(--my,0)*var(--d)*1px),0);transition:transform .3s ease-out}
.coin i{display:grid;place-items:center;width:100%;height:100%;border-radius:50%;font-style:normal;font-weight:600;font-size:calc(var(--s)*.52);color:#7a5f2c;background:radial-gradient(circle at 32% 26%,#fff6d6,#ecca72 42%,var(--sun) 100%);box-shadow:inset 0 0 0 calc(var(--s)*.06) #d9b86e,inset 0 0 0 calc(var(--s)*.09) rgba(122,95,44,.35),0 14px 18px -8px rgba(0,25,42,.5);animation:flip var(--t) linear infinite}
.coin.far{z-index:0;opacity:.75;filter:blur(1.6px)}

.start-here{position:relative;overflow:hidden;color:#fff;padding:40px 0 140px;background:linear-gradient(165deg,var(--navy-700),var(--navy-900))}
.start-here .wrap{position:relative;z-index:1}
.start-here .sec-head h2{color:#fff}
.start-here .card.feature{background:linear-gradient(145deg,#e6cb8b,var(--sun));border-color:transparent;color:var(--ink)}
.start-here .card.feature p{color:rgba(0,25,42,.82)}
.start-here .card.feature .more{color:var(--navy-900)}
.start-here .card.feature .icon{background:rgba(255,255,255,.55)}
.hexdeco{position:absolute;pointer-events:none;aspect-ratio:1.1547;clip-path:polygon(25% 0,75% 0,100% 50%,75% 100%,25% 100%,0 50%);background:linear-gradient(145deg,rgba(178,148,97,.22),rgba(178,148,97,0))}
.hexdeco.h1{width:420px;right:-110px;top:-60px;animation:rot 70s linear infinite}
.hexdeco.h2{width:300px;left:-110px;bottom:-40px;animation:rot 90s linear infinite reverse}
.learn{position:relative;z-index:2;margin-top:-64px;padding-top:84px;box-shadow:0 -24px 50px -34px rgba(0,25,42,.55)}

.js .rise{opacity:0;animation:rise .9s cubic-bezier(.2,.8,.2,1) forwards;animation-delay:calc(var(--i,0)*130ms + 120ms)}
.js .reveal{opacity:0;transform:translateY(30px) scale(.97);transition:opacity .7s ease,transform .8s cubic-bezier(.2,.8,.2,1);transition-delay:calc(var(--i,0)*90ms)}
.js .reveal.in{opacity:1;transform:none}

@keyframes pop{from{opacity:0;transform:scale(.55) rotate(-16deg) translateY(40px)}to{opacity:1;transform:none}}
@keyframes bob{50%{transform:translateY(-14px) rotate(.8deg)}}
@keyframes ground{50%{transform:scale(.82);opacity:.7}}
@keyframes spin{to{transform:translate(-50%,-50%) rotate(360deg)}}
@keyframes rot{to{transform:rotate(360deg)}}
@keyframes glint{0%,55%{background-position:160% 0}100%{background-position:-60% 0}}
@keyframes pulse{50%{opacity:.65;transform:scale(1.06)}}
@keyframes flip{to{transform:rotateY(360deg)}}
@keyframes drift{to{transform:translateX(6%)}}
@keyframes rise{from{opacity:0;transform:translateY(26px)}to{opacity:1;transform:none}}

@media(max-width:860px){
  .hero{padding:40px 0 120px}
  .hero-logo{min-height:0;padding:10px 0 34px}
  .logo-enter{width:min(78%,340px)}
  .coin.far{display:none}
  .coin{--s:44px!important}
  .start-here{padding-bottom:120px}
}
@media(prefers-reduced-motion:reduce){
  .logo-enter,.float,.gear,.glint,.glow,.ground,.coin i,.wave.back,.hexdeco,.js .rise{animation:none!important}
  .js .rise,.js .reveal{opacity:1;transform:none}
  .coin{transition:none}.stage{transition:none}
}
.start-here{margin-top:-2px}
.start-here .card{color:var(--ink)}
.wave{filter:drop-shadow(0 -8px 10px rgba(0,25,42,.22))}

/* inner pages (about, property) */
.page-hero{position:relative;overflow:hidden;color:#fff;padding:60px 0 130px;background:
  radial-gradient(50% 100% at 82% 20%,rgba(240,184,74,.2),transparent 70%),
  linear-gradient(165deg,var(--navy-700),var(--navy-900))}
.page-hero::before{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(217,199,161,.16) 1.2px,transparent 1.6px);background-size:24px 24px;-webkit-mask-image:linear-gradient(115deg,transparent 10%,#000 50%,transparent 90%);mask-image:linear-gradient(115deg,transparent 10%,#000 50%,transparent 90%);pointer-events:none}
.page-hero .wrap{position:relative;z-index:1}
.page-hero h1{color:#fff;font-weight:300;text-shadow:0 2px 24px rgba(0,0,0,.25)}
.page-hero .hero-sub{color:#d9d2c4}
.page-hero .hero-sub a{color:var(--gold-300)}
.page-hero .pill{background:rgba(255,255,255,.08);color:var(--gold-300);box-shadow:inset 0 0 0 1px rgba(217,199,161,.45)}
.page-hero .wave{filter:none}
.page-hero .wave path{fill:var(--cream-50)}
.page-hero .coin{z-index:0}
.hexdeco.hx1{width:340px;right:-90px;top:-80px;animation:rot 70s linear infinite}
.hexdeco.hx2{width:230px;left:-70px;bottom:20px;animation:rot 90s linear infinite reverse}
.about-grid,.article{position:relative;z-index:2;margin-top:-56px}
.portrait{background:linear-gradient(165deg,var(--navy-600),var(--navy-900));box-shadow:0 2px 4px rgba(0,25,42,.1),0 30px 50px -26px rgba(0,25,42,.6)}
.avatar{box-shadow:0 0 0 6px rgba(178,148,97,.25),0 14px 20px -8px rgba(0,25,42,.5)}
.toc{box-shadow:0 1px 2px rgba(0,25,42,.06),0 18px 36px -22px rgba(0,25,42,.42)}
.cta-card{background:linear-gradient(150deg,var(--navy-600),var(--navy-900));position:relative;overflow:hidden;box-shadow:0 2px 4px rgba(0,25,42,.1),0 30px 50px -26px rgba(0,25,42,.6)}
.cta-card::after{content:"";position:absolute;right:-60px;top:-80px;width:240px;aspect-ratio:1.1547;clip-path:polygon(25% 0,75% 0,100% 50%,75% 100%,25% 100%,0 50%);background:linear-gradient(145deg,rgba(178,148,97,.3),transparent);pointer-events:none}
.cta-card>*{position:relative;z-index:1}
@media(max-width:860px){.page-hero{padding:44px 0 110px}.about-grid,.article{margin-top:-44px}}
.avatar{width:150px;height:150px;padding:0;overflow:hidden;background:var(--navy-700)}
.avatar img{display:block;width:100%;height:100%;object-fit:cover}

/* money management page */
.three{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:14px 0}
@media(max-width:860px){.three{grid-template-columns:1fr}}

/* ===== pensions page (all selectors namespaced pn-) ===== */
@property --pn{syntax:"<number>";inherits:true;initial-value:0}
.pensions .stack .card{container-type:inline-size;container-name:card}
@keyframes pnIn{from{opacity:0;transform:translateY(26px) scale(.96)}}
@keyframes pnTick{from{transform:scale(0) rotate(-90deg)}}
@keyframes pnFill{from{--pn:0}}
@keyframes pnLi{from{opacity:0;transform:translateX(-14px)}}

/* hidden until scrolled into view (JS adds .pn-go), then staggered in */
.js [data-pn]:not(.pn-go) :is(.pn-type,.pn-opts>.mini,.pn-vs>.mini,.pn-procon>.mini,.chips li,.sum>*){opacity:0;transform:translateY(26px) scale(.96)}
.js [data-pn].pn-go :is(.pn-type,.pn-opts>.mini,.pn-vs>.mini,.pn-procon>.mini,.chips li,.sum>*){animation:pnIn .75s cubic-bezier(.2,.8,.2,1) backwards;animation-delay:calc(var(--k,0)*110ms)}
.pn-vs>.mini:nth-child(2),.pn-procon>.mini:nth-child(2){--k:1}
[data-pn] .sum>*:nth-child(2),.sum[data-pn]>*:nth-child(2){--k:1}.sum[data-pn]>*:nth-child(3){--k:2}.sum[data-pn]>*:nth-child(4){--k:3}.sum[data-pn]>*:nth-child(5){--k:4}
[data-pn] .ticks li:nth-child(1){--j:0}[data-pn] .ticks li:nth-child(2){--j:1}[data-pn] .ticks li:nth-child(3){--j:2}[data-pn] .ticks li:nth-child(4){--j:3}
.js [data-pn]:not(.pn-go) .ticks li::before{transform:scale(0)}
.js [data-pn].pn-go .ticks li::before{animation:pnTick .5s cubic-bezier(.3,1.8,.5,1) backwards;animation-delay:calc(var(--j,0)*140ms + 550ms)}
.js .pn-procon:not(.pn-go) li{opacity:0;transform:translateX(-14px)}
.js .pn-procon.pn-go li{animation:pnLi .6s cubic-bezier(.2,.8,.2,1) backwards;animation-delay:calc(var(--k,0)*120ms + 450ms)}

/* hero edge: stop a 1px seam showing across the page where the wave meets the content */
.pensions .page-hero{overflow:visible;clip-path:inset(0 0 -3px 0)}
.pensions .page-hero .wave{bottom:-3px;height:93px}

/* roomier cards, in line with the other article pages */
.pensions .stack{gap:30px}
.pensions .article .card{padding:38px 38px 34px}
.pensions .article .card>h2{font-size:1.9rem;margin-bottom:.6em}
.pensions .article .card h3{margin:2.2em 0 .6em}
.pensions .article .card>p{margin-bottom:1em}
.pensions .article .card>p:last-child{margin-bottom:0}
.pensions .article .card .links{margin-top:2em;padding-top:1.2em}

/* overview infographic */
.pn-info{margin:30px 0 8px;background:var(--cream-50);border-radius:26px;padding:30px 30px 34px}
.pn-hub{display:flex;flex-wrap:wrap;align-items:baseline;gap:6px 16px;background:radial-gradient(120% 220% at 0% 0%,var(--navy-600),var(--navy-900));color:#fff;border-radius:20px;padding:22px 26px;box-shadow:0 26px 34px -24px rgba(0,25,42,.7)}
.pn-hub b{font-size:1.7rem;font-weight:300;letter-spacing:-.02em}
.pn-hub span{color:#e9e4d9}
.pn-facts{list-style:none;margin:0;padding:0;display:grid;gap:22px;position:relative;margin-top:26px}
.pn-facts::before{content:"";position:absolute;left:49px;top:20px;bottom:20px;width:3px;margin-left:-1.5px;background:linear-gradient(var(--gold-300),var(--sun-dark));border-radius:3px;transform-origin:top;opacity:.7}
.pn-fact{display:grid;grid-template-columns:98px 1fr;gap:22px;align-items:center;position:relative}
.pn-bub{display:grid;place-items:center;align-content:center;width:98px;height:98px;border-radius:50%;padding:8px;text-align:center;line-height:1.1;color:#5c4515;background:radial-gradient(circle at 32% 26%,#fff6d6,#ecca72 45%,var(--sun));box-shadow:inset 0 0 0 4px #d9b86e,inset 0 0 0 7px rgba(122,95,44,.3),0 14px 18px -10px rgba(0,25,42,.55);transition:transform .35s cubic-bezier(.3,1.6,.5,1)}
.pn-bub strong{font-size:1.5rem;font-weight:600;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.pn-bub strong:only-child{font-size:.95rem;letter-spacing:0}
.pn-bub small{font-size:.72rem;font-weight:600}
.pn-fact:hover .pn-bub{transform:scale(1.1) rotate(-6deg)}
.article .pn-fact p{margin:0;color:var(--ink-soft);font-size:1.02rem}
.pn-fact p b{color:var(--navy-900);font-weight:600}
@keyframes pnPop{from{opacity:0;transform:scale(.3) rotate(-24deg)}60%{transform:scale(1.12)}}
@keyframes pnLine{from{transform:scaleY(0)}}
.js [data-pn]:not(.pn-go) .pn-hub{opacity:0;transform:translateY(-16px)}
.js [data-pn].pn-go .pn-hub{animation:pnIn .8s cubic-bezier(.2,.8,.2,1) backwards}
.js [data-pn]:not(.pn-go) .pn-facts::before{transform:scaleY(0)}
.js [data-pn].pn-go .pn-facts::before{animation:pnLine 1.6s cubic-bezier(.2,.8,.2,1) .3s backwards}
.js [data-pn]:not(.pn-go) .pn-fact{opacity:0}
.js [data-pn].pn-go .pn-fact{animation:pnIn .7s cubic-bezier(.2,.8,.2,1) backwards;animation-delay:calc(var(--k,0)*160ms + 400ms)}
.js [data-pn]:not(.pn-go) .pn-bub{opacity:0}
.js [data-pn].pn-go .pn-bub{animation:pnPop .7s cubic-bezier(.3,1.4,.5,1) backwards;animation-delay:calc(var(--k,0)*160ms + 400ms)}

/* pension type cards: heading left, points right (as on the source) */
.pn-types{display:grid;gap:20px;margin:30px 0}
.pn-type{display:grid;grid-template-columns:170px 1fr;column-gap:30px;row-gap:8px;align-content:start;background:var(--cream-50);border:2px solid var(--cream-100);border-radius:22px;padding:28px 28px;transition:transform .28s cubic-bezier(.2,.8,.2,1),box-shadow .28s,border-color .28s,background .28s}
.pn-type:hover{transform:translateY(-6px);background:#fff;border-color:var(--gold-300);box-shadow:0 2px 4px rgba(0,25,42,.06),0 28px 38px -24px rgba(0,25,42,.5)}
.pn-type-top{grid-column:1;grid-row:1;display:flex;flex-direction:column;align-items:flex-start;gap:14px}
.pn-ti{display:grid;place-items:center;width:58px;height:58px;border-radius:18px;background:#fff;font-size:1.8rem;box-shadow:0 8px 12px -8px rgba(0,25,42,.4);transition:transform .3s cubic-bezier(.3,1.6,.5,1)}
.pn-type:hover .pn-ti{transform:scale(1.14) rotate(-8deg)}
.pensions .article .pn-type h3{grid-column:1;grid-row:2;font-size:1.2rem;margin:4px 0 0}
.pn-type .ticks{grid-column:2;grid-row:1/span 3;gap:14px;margin:0;font-size:1rem}

/* auto-enrolment split bar */
.pn-split{margin:8px 0 0;background:var(--cream-50);border-radius:22px;padding:26px}
.pn-split figcaption{margin-bottom:18px;color:var(--navy-900)}
.pn-bar{display:flex;gap:6px;min-height:80px;overflow:hidden;clip-path:inset(0 0 0 0 round 18px);transition:clip-path 1.5s cubic-bezier(.2,.8,.2,1)}
.js .pn-split:not(.pn-go) .pn-bar{clip-path:inset(0 100% 0 0 round 18px)}
.pn-seg{flex:var(--w) 1 0;display:flex;flex-direction:column;justify-content:center;gap:2px;padding:14px 22px;min-width:0}
.pn-seg em{font-style:normal;font-size:.78rem;font-weight:600;text-transform:uppercase;letter-spacing:.07em;opacity:.85}
.pn-seg strong{font-size:clamp(1.05rem,2.6vw,1.45rem);font-weight:500;line-height:1.2}
.pn-emp{background:linear-gradient(150deg,var(--navy-600),var(--navy-900));color:#fff;border-radius:18px 6px 6px 18px}
.pn-you{background:linear-gradient(150deg,#e6cb8b,var(--sun));color:var(--ink);border-radius:6px 18px 18px 6px}
.article .pn-split .pn-note{font-size:.88rem;margin:18px 0 0}

/* pros and cons, versus, options */
.pn-procon,.pn-vs,.pn-opts{gap:20px;margin:30px 0}
.pn-vs{grid-template-columns:1fr}
.pn-procon{grid-template-columns:1fr}
.pn-procon>.mini{padding:30px 32px}
.pn-procon .ticks{gap:20px;margin-top:20px;font-size:.98rem}
.pn-procon .ticks b{color:var(--navy-900)}
.pn-pro{border-top:5px solid #7fb39c}
.pn-con{border-top:5px solid #cf9a8f}
.pn-opts{grid-template-columns:1fr}
.pn-opts>.mini{display:grid;grid-template-columns:170px 1fr;gap:6px 26px;align-items:center;padding:24px 28px}
.pn-opts .mini .tag{justify-self:start}
.pn-vs>.mini{padding:26px 28px}
.pn-vs>.mini,.pn-opts>.mini{border:2px solid transparent;transition:transform .25s,background .25s,border-color .25s,box-shadow .25s}
.pn-vs>.mini:hover,.pn-opts>.mini:hover{transform:translateY(-5px);background:#fff;border-color:var(--gold-300);box-shadow:0 22px 30px -22px rgba(0,25,42,.5)}
.pn-vs .mini p,.pn-opts .mini p{font-size:1rem;margin:10px 0 0}
.pn-opts .mini p{margin:0}

/* State Pension years slider */
.pn-meter{--c1:var(--navy-600);--c2:var(--navy-700);margin:28px 0;background:var(--cream-50);border-radius:22px;padding:26px 28px 22px}
.pn-meter.low{--c1:var(--sun-dark);--c2:var(--sun)}
.pn-meter.full{--c1:#2f6b57;--c2:#4d8f78}
.pn-head{display:flex;justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:16px;color:var(--navy-900)}
.pn-head output{white-space:nowrap}
.pn-head output strong{font-size:2rem;font-weight:500;letter-spacing:-.02em;display:inline-block;min-width:1.4em;text-align:right;font-variant-numeric:tabular-nums}
.pn-meter input[type=range]{-webkit-appearance:none;appearance:none;display:block;width:100%;height:30px;margin:0;background:transparent;cursor:pointer;transition:--pn .3s cubic-bezier(.3,1.2,.5,1)}
.js .pn-meter:not(.pn-go) input[type=range]{--pn:0!important}
.js .pn-meter.pn-go input[type=range]{animation:pnFill 1.4s cubic-bezier(.2,.8,.2,1) backwards}
.pn-meter input[type=range]::-webkit-slider-runnable-track{height:12px;border-radius:999px;background:linear-gradient(90deg,var(--c1),var(--c2)) 0 0/calc(13px + (100% - 26px)*var(--pn)/35) 100% no-repeat,#fff;box-shadow:inset 0 0 0 2px var(--cream-200)}
.pn-meter input[type=range]::-moz-range-track{height:12px;border-radius:999px;background:linear-gradient(90deg,var(--c1),var(--c2)) 0 0/calc(13px + (100% - 26px)*var(--pn)/35) 100% no-repeat,#fff;box-shadow:inset 0 0 0 2px var(--cream-200)}
.pn-meter input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:28px;height:28px;margin-top:-8px;border-radius:50%;background:radial-gradient(circle at 32% 26%,#fff6d6,#ecca72 45%,var(--sun));border:3px solid var(--sun-dark);box-shadow:0 8px 14px -6px rgba(0,25,42,.6);transition:transform .2s cubic-bezier(.3,1.6,.5,1)}
.pn-meter input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:radial-gradient(circle at 32% 26%,#fff6d6,#ecca72 45%,var(--sun));border:3px solid var(--sun-dark);box-shadow:0 8px 14px -6px rgba(0,25,42,.6);transition:transform .2s cubic-bezier(.3,1.6,.5,1)}
.pn-meter input[type=range]:hover::-webkit-slider-thumb,.pn-meter input[type=range]:active::-webkit-slider-thumb{transform:scale(1.18)}
.pn-meter input[type=range]:hover::-moz-range-thumb,.pn-meter input[type=range]:active::-moz-range-thumb{transform:scale(1.18)}
.pn-scale{position:relative;height:30px;margin-top:2px}
.pn-mark{position:absolute;top:0;left:calc(13px + (100% - 26px)*var(--r));transform:translateX(-50%);display:flex;flex-direction:column;align-items:center;gap:2px;font-size:.78rem;font-weight:600;color:var(--ink-soft);white-space:nowrap}
.pn-mark::before{content:"";width:2px;height:8px;border-radius:2px;background:currentColor;opacity:.45}
.article .pn-result{margin:16px 0 0;padding:14px 18px;border-radius:14px;background:#fff;color:var(--ink);font-weight:400;min-height:5.4em;transition:background .3s}
.article .pn-meter .pn-note{font-size:.85rem;margin:16px 0 0}
.pn-meter.low .pn-result{background:#f6efe3}
.pn-meter.full .pn-result{background:#dfeae4}

/* chips */
.chips.pn-pop{gap:10px}
.chips.pn-pop li{transition:transform .2s cubic-bezier(.3,1.6,.5,1),background .2s,border-color .2s}
.chips.pn-pop li:hover{transform:translateY(-4px) rotate(-1.5deg);background:#fff;border-color:var(--gold-300)}
.pensions .sum{margin:26px 0}
.pensions .callout{margin:26px 0 8px}

@container card (max-width:520px){
  .pn-type,.pn-opts>.mini{grid-template-columns:1fr}
  .pn-type-top,.pn-type h3,.pn-type .ticks{grid-column:1;grid-row:auto}
  .pn-type .ticks{margin-top:10px}
  .pn-bar{flex-direction:column}
  .pn-emp,.pn-you{border-radius:14px;flex:1 1 auto}
  .pn-meter{padding:22px 18px 18px}
  .pn-info{padding:22px 18px 26px}
  .pn-fact{grid-template-columns:76px 1fr;gap:16px}
  .pn-bub{width:76px;height:76px}.pn-bub strong{font-size:1.15rem}.pn-bub strong:only-child{font-size:.72rem}.pn-bub small{font-size:.6rem}
  .pn-facts::before{left:37px}
}
@media(max-width:860px){.pensions .article .card{padding:28px 22px 26px}.pensions .article .card>h2{font-size:1.6rem}}
@media(prefers-reduced-motion:reduce){
  [data-pn] *,[data-pn] *::before{animation:none!important;transition:none!important}
  .js [data-pn]:not(.pn-go) *{opacity:1!important;transform:none!important}
  .js .pn-split:not(.pn-go) .pn-bar{clip-path:inset(0 0 0 0 round 18px)}
}

/* ===== personal tax page ===== */
.tax-page .wrap.article{max-width:1320px;grid-template-columns:230px minmax(0,1fr);gap:48px}
.tax-page .stack{gap:40px;grid-template-columns:minmax(0,1fr)}
.tax-page .article .card{padding:52px 56px 48px;line-height:1.75}
.tax-page .article .card>h2{font-size:2.1rem;margin-bottom:.7em}
.tax-page .article .card h3{margin:3em 0 .8em;font-size:1.3rem}
.tax-page .article .card h2+p{font-size:1.05rem}
.tax-page .article .card p{margin-bottom:1em}
.tax-page .article .card>p:last-child{margin-bottom:0}
.tax-page .article .card .links{margin-top:2.6em;padding-top:1.5em}
.tax-page .tx-fine{font-size:.88rem}
.tax-page .callout{margin:34px 0;padding:18px 22px}

/* reusable keyframes for in-card choreography */
@keyframes tx-wipe{from{clip-path:inset(0 100% 0 0)}to{clip-path:inset(0 0 0 0)}}
@keyframes tx-growy{from{transform:scaleY(0)}to{transform:none}}
@keyframes tx-growx{from{transform:scaleX(0)}to{transform:none}}
@keyframes tx-pip{from{opacity:0;transform:scale(.3) rotate(-20deg)}60%{transform:scale(1.12)}to{opacity:1;transform:none}}
@keyframes tx-fade{from{opacity:0}to{opacity:1}}
@keyframes tx-cardin{from{opacity:0;transform:translateY(40px) rotate(-14deg) scale(.82)}to{opacity:1;transform:rotate(-3deg)}}
@keyframes tx-nifloat{0%,100%{transform:translateY(0) rotate(-3deg)}50%{transform:translateY(-10px) rotate(-1.4deg)}}
@keyframes tx-sheen{0%,60%{transform:translateX(-130%)}100%{transform:translateX(130%)}}
@keyframes tx-nudge{50%{transform:translateX(6px)}}

/* hidden until its group scrolls into view (js only) */
.js [data-tx]:not(.tx-go) :is(.rate,.mini,.gain,.bseg,.nstep,.stp-bar,.yr,.nicard,.pb-row,.pb-bar,.rbar i,tbody tr){opacity:0}
.js :is(.sum,.tx-swap)[data-tx]:not(.tx-go)>*{opacity:0}
[data-tx].tx-go :is(.rate,.mini,.gain,.nstep,.pb-row),.tx-swap[data-tx].tx-go>.arrow,.sum[data-tx].tx-go>div{animation:rise .8s cubic-bezier(.2,.8,.2,1) backwards;animation-delay:calc(var(--i,0)*110ms)}
.sum[data-tx].tx-go>div:nth-child(2){animation-delay:.1s}
.sum[data-tx].tx-go>div:nth-child(3){animation-delay:.2s}
.sum[data-tx].tx-go>div:nth-child(4){animation-delay:.3s}
.sum[data-tx].tx-go>div:nth-child(5){animation-delay:.4s}
.sum[data-tx].tx-go>div:nth-child(6){animation-delay:.5s}
.sum[data-tx].tx-go>div:nth-child(7){animation-delay:.6s}

/* band bar */
.bands{margin:44px 0 18px}
.bands figcaption{font-size:.95rem;color:var(--ink-soft);margin-bottom:16px}
.band-track{display:flex;height:84px;border-radius:20px;overflow:hidden;box-shadow:inset 0 0 0 2px var(--cream-100),0 12px 22px -16px rgba(0,25,42,.5)}
.bseg{flex:none;width:var(--w);display:grid;place-items:center;background:var(--c);color:var(--fg,#fff);font-weight:600;font-size:1.15rem;letter-spacing:-.01em;border-right:2px solid rgba(255,255,255,.55)}
.bseg:last-child{border-right:0}
[data-tx].tx-go .bseg{animation:tx-wipe .9s cubic-bezier(.3,.7,.2,1) backwards;animation-delay:calc(var(--i,0)*260ms)}
.band-scale{position:relative;height:48px;margin-top:4px}
.band-scale span{position:absolute;left:var(--pos);top:0;transform:translateX(-50%);padding-top:12px;font-size:.82rem;font-weight:600;color:var(--ink-soft);white-space:nowrap}
.band-scale span::before{content:"";position:absolute;left:50%;top:0;width:2px;height:9px;margin-left:-1px;background:var(--ink-soft);opacity:.5}
.js .band-scale{opacity:0;transition:opacity .6s ease 1.1s}
.js .tx-go .band-scale{opacity:1}

/* rate tiles */
.rates{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin:44px 0 14px}
.rate{position:relative;overflow:hidden;background:var(--cream-50);border-radius:22px;padding:36px 32px 32px;transition:transform .25s,box-shadow .25s,background .25s}
.rate:hover{transform:translateY(-5px);background:#fff;box-shadow:0 2px 4px rgba(0,25,42,.06),0 24px 36px -22px rgba(0,25,42,.5)}
.rate::before{content:"";position:absolute;left:0;right:0;top:0;height:7px;background:var(--c);transform-origin:left}
[data-tx].tx-go .rate::before{animation:tx-growx 1s cubic-bezier(.2,.8,.2,1) backwards;animation-delay:calc(var(--i,0)*110ms + 250ms)}
.rate.wide{grid-column:1/-1;padding-bottom:12px}
.rate.wide p{max-width:46em}
.rate-top{display:flex;flex-wrap:wrap;gap:8px 12px;align-items:center;justify-content:space-between;margin-bottom:6px}
.tx-range{font-size:.85rem;font-weight:600;color:var(--ink-soft)}
.tx-fig{display:block;font-size:3.1rem;line-height:1.1;font-weight:300;letter-spacing:-.03em;color:var(--navy-900);margin:6px 0 12px;font-variant-numeric:tabular-nums}
.rate p{margin:0 0 .9em!important;font-size:.97rem;color:var(--ink-soft)}
.rate.wide .tx-fig{font-size:3.6rem}

/* ledger tables */
.table-wrap{margin:34px 0;border-radius:18px;-webkit-overflow-scrolling:touch}
.table-wrap:focus-visible{outline-offset:2px}
.ledger{min-width:700px;font-size:.95rem;font-variant-numeric:tabular-nums;box-shadow:0 14px 26px -22px rgba(0,25,42,.5)}
.ledger.pens{min-width:560px}
.ledger caption{padding:0 4px 12px}
.ledger th,.ledger td{padding:13px 14px;white-space:nowrap}
.ledger tbody th[scope=row]{padding-left:14px}
.ledger thead th{white-space:normal;line-height:1.25;font-size:.76rem;vertical-align:bottom}
.ledger thead th{text-align:right;background:var(--cream-100)}
.ledger thead th:first-child,.ledger thead td:first-child{background:var(--cream-100);position:sticky;left:0}
.ledger thead th small{display:block;text-transform:none;letter-spacing:0;font-weight:500;color:var(--ink-soft);font-size:.74rem;margin-top:2px}
.ledger tbody td{text-align:right;font-weight:400;color:var(--ink)}
.ledger tbody td.z{color:#9aa6b1}
.ledger tbody th[scope=row]{font-weight:400;position:sticky;left:0;z-index:1;background:#fff;color:var(--ink);box-shadow:2px 0 0 var(--cream-50)}
.ledger tbody tr{transition:background .2s}
.ledger tbody tr:hover>*{background:var(--cream-50)}
.ledger tr.grp th{background:#fff;font-style:italic;font-weight:600;color:var(--navy-700);padding-top:22px;padding-bottom:6px;text-align:left;position:static;box-shadow:none;border-top:0}
.ledger tr.grp:hover>*{background:#fff}
.ledger tr.mute th,.ledger tr.mute td{color:#9aa6b1}
.ledger tr.tot th,.ledger tr.tot td{font-weight:600;border-top:2px solid var(--ink)}
.ledger tr.net th,.ledger tr.net td{background:var(--navy-700);color:#fff;font-weight:600;border-top:0}
.ledger tr.net:hover>*{background:var(--navy-600)}
.ledger tr.dif th,.ledger tr.dif td{background:#dfeae4;color:#2f6b57;font-weight:600;font-style:italic}
.ledger tr.dif:hover>*{background:#d3e3da}
.ledger .hi{background:rgba(217,199,161,.28)}
.ledger thead th.hi{background:var(--gold-300);color:var(--ink)}
.ledger tr.net .hi{background:var(--navy-600)}
.ledger td.sep,.ledger th.sep{border-left:2px solid var(--cream-100)}
.ledger tr.net td.sep{border-left-color:var(--navy-600)}
.ledger tr.dif td.sep{border-left-color:#fff}
.ledger thead tr:first-child th{text-align:center}
.ledger.pens thead tr:nth-child(2) th{text-transform:none;letter-spacing:0;font-size:.95rem}
.ledger thead tr:first-child td{background:var(--cream-100)}
[data-tx].tx-go .ledger tbody tr{animation:tx-fade .55s ease backwards;animation-delay:calc(var(--r,0)*55ms + 150ms)}

/* sums, taper slider */
.tax-page .sum{margin:32px 0;gap:14px}
.tax-page .sum>div:not(.op){flex:1 1 150px;padding:18px 20px}
.tax-page .sum .op{padding:0 2px}
.taper{margin:36px 0 12px;background:var(--cream-50);border-radius:22px;padding:34px 36px}
.taper-head{display:flex;flex-wrap:wrap;align-items:baseline;justify-content:space-between;gap:6px 18px;margin-bottom:14px}
.taper-head label span{color:var(--ink-soft);font-size:.9rem;margin-left:6px}
.taper-head output{font-size:2rem;font-weight:300;letter-spacing:-.02em;font-variant-numeric:tabular-nums;color:var(--navy-900)}
.taper input[type=range]{--pos:50%;-webkit-appearance:none;appearance:none;width:100%;height:30px;background:transparent;cursor:pointer;margin:0}
.taper input[type=range]::-webkit-slider-runnable-track{height:10px;border-radius:999px;background:linear-gradient(90deg,var(--navy-700) var(--pos),#fff var(--pos));box-shadow:inset 0 0 0 2px var(--cream-200)}
.taper input[type=range]::-moz-range-track{height:10px;border-radius:999px;background:linear-gradient(90deg,var(--navy-700) var(--pos),#fff var(--pos));box-shadow:inset 0 0 0 2px var(--cream-200)}
.taper input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:28px;height:28px;margin-top:-9px;border-radius:50%;border:4px solid var(--sun-dark);background:radial-gradient(circle at 32% 26%,#fff6d6,#ecca72 60%,var(--sun));box-shadow:0 6px 10px -4px rgba(0,25,42,.5);transition:transform .15s}
.taper input[type=range]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;border:4px solid var(--sun-dark);background:radial-gradient(circle at 32% 26%,#fff6d6,#ecca72 60%,var(--sun));box-shadow:0 6px 10px -4px rgba(0,25,42,.5)}
.taper input[type=range]:hover::-webkit-slider-thumb,.taper input[type=range]:active::-webkit-slider-thumb{transform:scale(1.15)}
.taper input[type=range]:focus-visible{outline-offset:6px}
.taper-meter{height:14px;margin:12px 0 18px;border-radius:999px;background:#fff;overflow:hidden}
.taper-meter i{display:block;height:100%;width:60%;border-radius:999px;background:linear-gradient(90deg,var(--sun-dark),var(--sun));transition:width .25s ease-out}
.taper-read{display:flex;flex-wrap:wrap;gap:12px;margin:0}
.taper-read>div{flex:1 1 150px;background:#fff;border-radius:16px;padding:12px 16px}
.taper-read dt{font-size:.82rem;font-weight:600;color:var(--ink-soft)}
.taper-read dd{margin:0;font-size:1.4rem;font-weight:600;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.taper-read>div:last-child{background:var(--navy-700);color:#fff}
.taper-read>div:last-child dt{color:#e9e4d9}

/* notice */
.card.notice{display:flex;gap:24px;align-items:center;background:linear-gradient(120deg,#fbf6ea,#fff 65%);border-left:7px solid var(--sun-dark)}
.tax-page .article .card.notice{padding:28px 36px}
.card.notice .icon{margin:0;flex:none}
.card.notice p{margin:0!important;color:var(--ink)}

/* two-column split */
.tsplit{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;margin:34px 0}
.tsplit p{margin:0!important}

/* NI card */
.nicard-wrap{display:grid;place-items:center;padding:24px 10px}
.nicard{position:relative;overflow:hidden;width:min(100%,330px);aspect-ratio:1.586;border-radius:20px;padding:22px 24px;color:#fff;display:flex;flex-direction:column;justify-content:space-between;background:linear-gradient(150deg,var(--navy-600),var(--navy-900));box-shadow:0 2px 4px rgba(0,25,42,.1),0 34px 40px -22px rgba(0,25,42,.7);transform:rotate(-3deg)}
.nicard::before{content:"";position:absolute;left:0;right:0;top:0;height:10px;background:linear-gradient(90deg,var(--sun-dark),#e6cb8b,var(--sun-dark))}
.nicard::after{content:"";position:absolute;inset:0;background:linear-gradient(105deg,transparent 40%,rgba(255,255,255,.22) 50%,transparent 60%);transform:translateX(-130%);pointer-events:none}
.nicard .lbl{margin-top:8px;font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-300);font-weight:600}
.nicard .num{font-size:1.65rem;font-weight:500;letter-spacing:.1em;font-variant-numeric:tabular-nums}
.nicard .eg{align-self:flex-end;font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;border:1px solid rgba(217,199,161,.6);color:var(--gold-300);border-radius:999px;padding:2px 10px}
[data-tx].tx-go .nicard{animation:tx-cardin 1s cubic-bezier(.2,.9,.25,1.1) backwards,tx-nifloat 7s ease-in-out 1s infinite}
[data-tx].tx-go .nicard::after{animation:tx-sheen 6s ease-in-out 1.4s infinite}

/* NI stairs */
.stairs{margin:32px 0 40px}
.stair-row{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}
.well{height:230px;display:flex;align-items:flex-end;border-bottom:3px solid var(--cream-200)}
.stp-bar{width:100%;height:var(--h);min-height:12px;background:var(--c);border-radius:16px 16px 0 0;transform-origin:bottom}
[data-tx].tx-go .stp-bar{animation:tx-growy 1s cubic-bezier(.2,.8,.2,1) backwards;animation-delay:calc(var(--i,0)*220ms + 100ms)}
.nstep h4{margin:14px 0 4px;font-size:1.02rem;font-weight:600;line-height:1.3}
.nstep p{margin:0!important;font-size:.93rem;color:var(--ink-soft)}
.stairs figcaption{margin-top:18px;font-size:.88rem;color:var(--ink-soft)}

/* qualifying years */
.years-split{grid-template-columns:minmax(0,1fr) minmax(0,.8fr);margin:34px 0 24px}
.years{display:grid;grid-template-columns:repeat(7,1fr);gap:12px;max-width:520px}
.yr{aspect-ratio:1;display:grid;place-items:center;border-radius:12px;font-size:.78rem;font-weight:600;background:var(--navy-700);color:#fff;font-variant-numeric:tabular-nums}
.yr.min{background:linear-gradient(145deg,#e6cb8b,var(--sun));color:var(--ink)}
.yr.key{box-shadow:0 0 0 3px #fff,0 0 0 5px var(--navy-900);font-size:.9rem}
[data-tx].tx-go .yr{animation:tx-pip .5s cubic-bezier(.3,1.5,.5,1) backwards;animation-delay:calc(var(--i,0)*28ms + 100ms)}
.tx-legend{list-style:none;margin:0;padding:0;display:grid;gap:18px}
.tx-legend li{display:flex;gap:14px;align-items:flex-start}
.sw{flex:none;width:22px;height:22px;border-radius:7px;margin-top:2px}
.sw.gold{background:linear-gradient(145deg,#e6cb8b,var(--sun))}.sw.navy{background:var(--navy-700)}

/* mini tiles on this page */
.four{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin:30px 0}
.four .mini{padding:26px 22px}
.four .mini p{font-size:.93rem}
.tax-page .three,.tax-page .two{gap:20px;margin:30px 0}
.tax-page .mini{padding:28px 26px;transition:transform .25s,box-shadow .25s,background .25s}
.tax-page .mini:hover{transform:translateY(-4px);background:#fff;box-shadow:0 2px 4px rgba(0,25,42,.06),0 22px 32px -22px rgba(0,25,42,.5)}
.mini .emo{display:block;font-size:2rem;line-height:1;margin-bottom:12px}
.mini b{display:block;font-size:1.05rem;font-weight:600}
.mini .emo+b+p{margin-top:4px}

/* cgt table */
.rtab{min-width:520px}
.rtab thead th:not(:first-child){text-align:left}
.rtab tbody td{vertical-align:middle;padding-top:16px;padding-bottom:16px}
.rtab tbody td,.rtab tbody th{text-align:left}
.rtab .pct{display:block;font-size:2rem;font-weight:300;letter-spacing:-.02em;line-height:1.1;font-variant-numeric:tabular-nums;color:var(--navy-900);margin-bottom:8px}
.rbar{display:block;height:10px;border-radius:999px;background:var(--cream-100);overflow:hidden;max-width:180px}
.rbar i{display:block;width:var(--w);height:100%;border-radius:999px;background:linear-gradient(90deg,var(--navy-600),var(--navy-700));transform-origin:left}
.rtab tbody tr:nth-child(2) .rbar i{background:linear-gradient(90deg,var(--sun-dark),var(--sun))}
[data-tx].tx-go .rbar i{animation:tx-growx 1s cubic-bezier(.2,.8,.2,1) backwards .5s}
.rtab tbody th{font-weight:600!important}

/* pension: 40% -> 20% */
.tx-swap{display:grid;grid-template-columns:1fr auto 1fr;gap:24px;align-items:center;margin:36px 0}
.tx-swap .mini p{margin:6px 0 0!important}
.tx-swap .tx-fig{margin:10px 0 4px;font-size:3rem}
.arrow{font-size:2.2rem;font-weight:300;color:var(--sun-dark)}
.tx-swap[data-tx].tx-go>.arrow{animation:rise .8s cubic-bezier(.2,.8,.2,1) backwards,tx-nudge 2.4s ease-in-out 1.4s infinite;animation-delay:calc(var(--i,0)*110ms),0s}
.gains{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:32px 0}
.gain{background:#dfeae4;color:#2f6b57;border-radius:22px;padding:30px 32px;display:grid;gap:2px}
.gain>span{font-weight:600;font-size:.9rem}
.gain strong{font-size:2.6rem;font-weight:300;letter-spacing:-.03em;line-height:1.15;font-variant-numeric:tabular-nums;color:#1f5642}
.gain small{font-size:.88rem;font-weight:600}

/* pension contribution bars */
.pbars{margin:36px 0 12px;background:var(--cream-50);border-radius:22px;padding:34px 36px}
.pbars figcaption{margin-bottom:8px;font-size:.95rem;color:var(--ink-soft)}
.pb-row{display:grid;grid-template-columns:170px 1fr 60px;gap:18px;align-items:center;margin:24px 0}
.pb-row .lbl{font-weight:600;font-size:.95rem;line-height:1.3}
.pb-row .val{font-weight:600;font-size:1.3rem;text-align:right;font-variant-numeric:tabular-nums}
.pb-track{background:#fff;border-radius:14px;height:52px;overflow:hidden}
.pb-bar{display:flex;width:var(--t);height:100%;border-radius:14px;overflow:hidden}
.pseg{display:grid;place-items:center;font-size:.82rem;font-weight:600;white-space:nowrap;overflow:hidden;min-width:0}
.pseg.e{background:linear-gradient(145deg,#e6cb8b,var(--sun));color:var(--ink)}
.pseg.y{background:var(--navy-700);color:#fff}
[data-tx].tx-go .pb-bar{animation:tx-wipe 1s cubic-bezier(.3,.7,.2,1) backwards;animation-delay:calc(var(--i,0)*200ms + 250ms)}
.pbars .note{padding:0;border:0;background:none;font-size:.88rem;margin:18px 0 0!important;color:var(--ink-soft)}

@media(max-width:860px){
  .tax-page .wrap.article{grid-template-columns:1fr;gap:20px}
  .tax-page .stack{gap:28px}
  .tax-page .article .card{padding:30px 22px 28px}
  .well{height:150px}
  .stair-row{gap:12px}
  .tsplit{gap:24px}
  .tax-page .article .card>h2{font-size:1.6rem}
  .rates{grid-template-columns:1fr}
  .tsplit,.years-split{grid-template-columns:1fr;gap:20px}
  .stair-row{gap:10px}
  .well{height:140px}
  .nstep h4{font-size:.9rem}.nstep p{font-size:.84rem}
  .tx-swap{grid-template-columns:1fr}
  .arrow{transform:rotate(90deg);justify-self:center}
  .gains{grid-template-columns:1fr}
  .four{grid-template-columns:1fr 1fr}
  .pb-row{grid-template-columns:1fr auto;gap:8px 12px}
  .pb-row .lbl{grid-column:1/-1}
  .band-track{height:58px}
  .bseg{font-size:.85rem}
  .rate.wide .tx-fig,.tx-fig{font-size:2.6rem}
  .card.notice{align-items:flex-start}
  .tx-swap[data-tx].tx-go>.arrow{animation:rise .8s cubic-bezier(.2,.8,.2,1) backwards}
}
@media(max-width:480px){
  .band-scale{height:78px}
  .band-scale span:first-child{transform:translateX(-28%)}
  .band-scale span:nth-child(2){top:26px}
  .band-scale span:nth-child(2)::before{top:-26px;height:35px}
  .bseg{font-size:.72rem}
  .bseg:first-child{font-size:.66rem}
  .pseg{font-size:.7rem}
}
@media(prefers-reduced-motion:reduce){
  [data-tx] *,[data-tx] *::before,[data-tx] *::after{animation:none!important;transition:none!important}
  .js [data-tx]:not(.tx-go) *{opacity:1!important}
  .js .band-scale{opacity:1}
}

/* glossary page */
.glossary .stack{gap:22px}
.az{display:grid;grid-template-columns:repeat(5,1fr);gap:6px;margin-top:14px}
.toc .az a,.az span{display:grid;place-items:center;aspect-ratio:1;padding:0;border-radius:12px;font-size:.9rem;font-weight:600}
.toc .az a{background:var(--cream-50);color:var(--navy-900);transition:transform .2s cubic-bezier(.3,1.6,.5,1),background .2s,color .2s}
.toc .az a:hover{background:var(--gold-300);transform:scale(1.12) rotate(-4deg)}
.toc .az a.on{background:var(--navy-700);color:#fff;box-shadow:0 8px 14px -8px rgba(0,25,42,.7)}
.toc .az a.off{opacity:.3;pointer-events:none}
.az span{color:rgba(66,81,95,.3);cursor:default}
.az-note{margin:14px 2px 0;font-size:.82rem;color:var(--ink-soft)}

.finder{display:grid;gap:22px;padding:34px}
.finder h2{font-size:1.6rem;margin-bottom:.25em}
.finder p{margin:0}
.eg-inline{color:var(--ink-soft)}
.search{position:relative}
.search input{width:100%;padding:17px 56px 17px 54px;border-radius:999px;border:2px solid var(--gold-300);font:inherit;font-size:1.05rem;background:var(--cream-50);color:var(--ink);transition:box-shadow .25s,border-color .25s,background .25s;-webkit-appearance:none;appearance:none}
.search input::-webkit-search-cancel-button{display:none}
.search input:focus{outline:0;background:#fff;border-color:var(--sun-dark);box-shadow:0 0 0 6px rgba(178,148,97,.25),0 14px 24px -16px rgba(0,25,42,.5)}
.s-ico{position:absolute;left:20px;top:50%;width:22px;height:22px;margin-top:-11px;color:var(--sun-dark);pointer-events:none;transition:transform .3s cubic-bezier(.3,1.6,.5,1)}
.search:focus-within .s-ico{transform:scale(1.15) rotate(-8deg)}
.s-clear{position:absolute;right:12px;top:50%;width:34px;height:34px;margin-top:-17px;border:0;border-radius:50%;background:var(--cream-100);color:var(--navy-900);font:600 .85rem Figtree,sans-serif;cursor:pointer;animation:termIn .25s ease both}
.s-clear:hover{background:var(--gold-300)}
.s-clear[hidden]{display:none}
.filters{display:flex;flex-wrap:wrap;gap:10px}
.filters button{font:600 .92rem Figtree,sans-serif;display:inline-flex;align-items:center;gap:8px;padding:9px 16px;border-radius:999px;border:2px solid var(--cream-100);background:var(--cream-50);color:var(--ink-soft);cursor:pointer;transition:transform .2s cubic-bezier(.3,1.6,.5,1),background .2s,color .2s,border-color .2s}
.filters button:hover{transform:translateY(-3px);border-color:var(--gold-300)}
.filters button small{display:inline-grid;place-items:center;min-width:22px;height:22px;padding:0 6px;border-radius:999px;background:#fff;color:var(--navy-900);font-size:.75rem}
.filters button[aria-pressed="true"]{background:var(--navy-700);border-color:var(--navy-700);color:#fff;box-shadow:0 8px 14px -8px rgba(0,25,42,.7)}
.filters button[aria-pressed="true"] small{background:var(--sun);color:var(--ink)}
.count{font-size:.9rem;font-weight:600;color:var(--ink-soft)!important}

.empty{text-align:center;padding:48px 28px}
.empty[hidden],.letter-group[hidden],.term[hidden]{display:none}
.empty .icon{margin:0 auto 16px}
.empty h2{font-size:1.5rem}
.empty p{margin:0 0 18px}

.letter-group{display:grid;grid-template-columns:96px 1fr;gap:12px 28px;align-items:start;padding:30px 30px 14px;scroll-margin-top:96px;margin-top:6px}
.letter-head{position:sticky;top:104px;display:grid;justify-items:center;gap:10px;padding-top:18px}
.article .letter-group .hex{flex:none;display:grid;place-items:center;width:92px;height:80px;margin:0;clip-path:polygon(25% 0,75% 0,100% 50%,75% 100%,25% 100%,0 50%);background:linear-gradient(145deg,#e6cb8b,var(--sun));color:var(--ink);font-size:2.4rem;font-weight:500;letter-spacing:0;transition:transform .8s cubic-bezier(.3,1.6,.5,1)}
.letter-head .n{font-size:.82rem;font-weight:600;color:var(--ink-soft);white-space:nowrap;filter:none}
.js .letter-group.reveal:not(.in) .hex{transform:rotate(-70deg) scale(.5)}
.terms{display:grid;min-width:0}

.term{display:grid;grid-template-columns:auto 1fr;gap:22px;align-items:start;padding:26px 22px;margin:0 -22px;border-radius:20px;scroll-margin-top:96px;transition:background .25s}
.term+.term{position:relative}
.term+.term::before{content:"";position:absolute;left:22px;right:22px;top:0;border-top:2px dashed var(--cream-100)}
.term:hover{background:var(--cream-50)}
.term:hover+.term::before,.term:hover::before{border-color:transparent}
.term:hover .icon{transform:scale(1.1) rotate(-6deg)}
.term .icon{margin:0;width:56px;height:56px;font-size:1.7rem}
.term-top{display:flex;flex-wrap:wrap;align-items:center;gap:8px 12px;margin-bottom:.5em}
.article .term h3{margin:0;font-size:1.3rem}
.abbr{display:inline-block;padding:3px 12px;border-radius:999px;background:var(--cream-100);border:2px solid var(--gold-300);color:var(--navy-900);font-size:.8rem;font-weight:600;letter-spacing:.04em}
.term .cat{margin-left:auto;background:transparent;color:var(--ink-soft);box-shadow:inset 0 0 0 2px var(--cream-200)}
.term p{margin:0;color:var(--ink-soft)}
.term p b{color:var(--ink)}
.term .eg{margin-top:14px;padding:10px 16px;background:#fff;border-left:5px solid var(--sun-dark);border-radius:0 14px 14px 0;color:var(--ink)}
.term .eg b{display:block;font-size:.75rem;text-transform:uppercase;letter-spacing:.08em;color:var(--sun-dark)}
.rel{list-style:none;margin:16px 0 0;padding:0;display:flex;flex-wrap:wrap;align-items:center;gap:8px}
.rel .lbl{font-size:.78rem;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--ink-soft);margin-right:4px}
.article .rel a{display:block;padding:4px 14px;border-radius:999px;background:#fff;border:2px solid var(--cream-200);font-size:.88rem;text-decoration:none;transition:transform .2s cubic-bezier(.3,1.6,.5,1),background .2s,color .2s,border-color .2s}
.article .rel a:hover{background:var(--navy-700);border-color:var(--navy-700);color:#fff;transform:translateY(-3px)}
.term:target{animation:flash 2s ease-out}
.term.pop{animation:termIn .5s cubic-bezier(.2,.8,.2,1) both;animation-delay:calc(var(--p,0)*55ms)}
.note{padding:20px 24px}
.note .callout{margin:0}

@keyframes termIn{from{opacity:0;transform:translateY(18px) scale(.97)}to{opacity:1;transform:none}}
@keyframes flash{0%{box-shadow:0 0 0 0 rgba(178,148,97,0)}15%{border-color:var(--sun);box-shadow:0 0 0 10px rgba(178,148,97,.4)}100%{box-shadow:0 0 0 0 rgba(178,148,97,0)}}

@media(max-width:860px){
  .az{grid-template-columns:repeat(7,1fr)}
  .finder{padding:26px 22px}
}
@media(max-width:600px){
  .letter-group{grid-template-columns:1fr;padding:24px 22px 8px}
  .letter-head{position:static;grid-auto-flow:column;justify-content:start;align-items:center;gap:14px;padding:0}
  .article .letter-group .hex{width:64px;height:56px;font-size:1.6rem}
  .term{grid-template-columns:1fr;gap:14px;padding:22px 0;margin:0}
  .term::before{left:0!important;right:0!important}
  .term .cat{margin-left:0}
  .az{grid-template-columns:repeat(6,1fr)}
}
@media(prefers-reduced-motion:reduce){
  .term.pop,.term:target,.s-clear{animation:none}
  .filters button:hover,.toc .az a:hover{transform:none}
  .article .letter-group .hex,.s-ico,.term{transition:none}
}

/* investments page */
.invest .article .card{padding:36px 38px}
.invest .article .card h3{margin:1.9em 0 .5em}
.invest .article .card h2+p,.invest .article .card h2+.two{margin-top:.2em}
.invest .article .card .callout{margin:26px 0}
.invest .callout.warn{border-left-color:#9a4a3c;background:#f7ece9}
.invest .article .card .links{margin-top:1.8em;padding-top:1.2em}
.invest .two,.invest .sum{margin:26px 0}
.invest .two{gap:18px}
.invest .mini{padding:22px 22px 24px;transition:transform .25s cubic-bezier(.3,1.4,.5,1),box-shadow .25s}
.invest .mini:hover{transform:translateY(-5px);box-shadow:0 2px 4px rgba(0,25,42,.06),0 22px 34px -22px rgba(0,25,42,.5)}
.invest .mini .tag{margin-bottom:2px}
.invest .inv-note{font-size:.85rem;margin:16px 0 0;color:var(--ink-soft)}
.invest .sum{gap:12px}
.invest .sum>div:not(.op){padding:18px 20px}
.invest .sum strong{font-variant-numeric:tabular-nums}

/* pop-in helpers: hidden only until .inv-on is added, so reduced-motion and no-JS stay visible */
@keyframes inv-pop{from{opacity:0;transform:translateY(20px) scale(.92)}60%{transform:translateY(-3px) scale(1.02)}}
@keyframes inv-draw{from{stroke-dashoffset:1}}
@keyframes inv-fade{from{opacity:0}}
@keyframes inv-dot{from{opacity:0;transform:scale(0)}60%{transform:scale(1.35)}}
@keyframes inv-ring{0%{box-shadow:0 0 0 0 rgba(178,148,97,.55)}100%{box-shadow:0 0 0 16px rgba(178,148,97,0)}}
@keyframes inv-wipe{from{clip-path:inset(0 100% 0 0)}to{clip-path:inset(0 0 0 0)}}
@keyframes inv-stripes{to{background-position:44px 0}}
@keyframes inv-nudge{0%,100%{box-shadow:0 0 0 0 rgba(1,35,62,.4),0 6px 12px -4px rgba(0,25,42,.5)}50%{box-shadow:0 0 0 12px rgba(1,35,62,0),0 6px 12px -4px rgba(0,25,42,.5)}}
@keyframes inv-glow{50%{box-shadow:0 0 0 8px rgba(178,148,97,.28)}}

/* illustrative chart */
.inv-chart{margin:34px 0;background:var(--cream-50);border-radius:20px;padding:26px 28px 22px}
.inv-chart figcaption{margin-bottom:12px}
.inv-chart-box{position:relative;margin:46px 0 44px;aspect-ratio:600/220}
.inv-chart-box svg{display:block;width:100%;height:100%;overflow:visible}
.inv-chart .line{stroke-dasharray:1;stroke-dashoffset:0}
.js .inv-chart:not(.inv-on) .line{stroke-dashoffset:1}
.js .inv-chart:not(.inv-on) .area,.js .inv-chart:not(.inv-on) .inv-pt i,.js .inv-chart:not(.inv-on) .inv-pt b{opacity:0}
.inv-chart.inv-on .line{animation:inv-draw 2.6s cubic-bezier(.45,.05,.3,1) .1s backwards}
.inv-chart.inv-on .area{animation:inv-fade 1.6s ease 1.4s backwards}
.inv-pt{position:absolute;left:var(--px);top:var(--py);width:0;height:0}
.inv-pt i{position:absolute;left:-8px;top:-8px;width:16px;height:16px;border-radius:50%;background:#fff;border:4px solid var(--navy-700)}
.inv-pt.up i,.inv-pt.end i{border-color:#2f6b57}.inv-pt.down i{border-color:#9a4a3c}
.inv-pt b{position:absolute;left:50%;transform:translateX(-50%);white-space:nowrap;background:#fff;border-radius:999px;padding:4px 14px;font-size:.82rem;font-weight:600;box-shadow:0 8px 14px -8px rgba(0,25,42,.45)}
.inv-pt.up b,.inv-pt.end b{bottom:20px}
.inv-pt.down b{top:20px}
.inv-pt.end b{left:auto;right:-6px;transform:none}
.inv-pt.up b{color:#2f6b57}.inv-pt.down b{color:#9a4a3c}.inv-pt.end b{color:var(--navy-900)}
.inv-chart.inv-on .inv-pt i{animation:inv-dot .5s cubic-bezier(.3,1.4,.5,1) backwards,inv-ring 2.2s ease-out 3.2s infinite}
.inv-chart.inv-on .inv-pt b{animation:inv-fade .5s ease backwards}
.inv-chart.inv-on .inv-pt.up i{animation-delay:1.15s,3.2s}.inv-chart.inv-on .inv-pt.up b{animation-delay:1.3s}
.inv-chart.inv-on .inv-pt.down i{animation-delay:1.75s,3.6s}.inv-chart.inv-on .inv-pt.down b{animation-delay:1.9s}
.inv-chart.inv-on .inv-pt.end i{animation-delay:2.55s,4s}.inv-chart.inv-on .inv-pt.end b{animation-delay:2.7s}

/* chips + platforms */
.invest .chips{gap:10px;margin:18px 0}
.invest .chips li{transition:transform .2s,border-color .2s,background .2s}
.invest .inv-chips li:hover{transform:translateY(-3px);border-color:var(--gold-300);background:#fff}
.js .inv-chips:not(.inv-on) li,.js .plat:not(.inv-on) li{opacity:0}
.inv-chips.inv-on li,.plat.inv-on li{animation:inv-pop .7s cubic-bezier(.2,.8,.2,1) calc(var(--i,0)*90ms) backwards}
.plat li{padding:0;overflow:hidden}
.invest .article .card .plat a{display:block;padding:10px 22px;text-decoration:none;transition:background .2s,color .2s}
.invest .article .card .plat a:hover{background:var(--navy-700);color:#fff}
.invest .plat li:hover{transform:translateY(-3px)}

/* risk lab */
.inv-risk-lab{margin:34px 0;background:var(--cream-50);border-radius:20px;padding:26px 28px 24px}
.inv-lab-head{margin-bottom:20px}
.inv-slider-row{display:grid;grid-template-columns:auto 1fr auto;gap:18px;align-items:center}
.inv-slider-row .end{font-size:.85rem;font-weight:600;color:var(--ink-soft);white-space:nowrap}
#risk-range{-webkit-appearance:none;appearance:none;width:100%;height:14px;border-radius:999px;background:linear-gradient(90deg,var(--mint),var(--gold-300) 55%,var(--sun-dark));outline-offset:8px;cursor:pointer;margin:0}
#risk-range::-webkit-slider-thumb{-webkit-appearance:none;width:34px;height:34px;border-radius:50%;background:#fff;border:6px solid var(--navy-700);box-shadow:0 6px 12px -4px rgba(0,25,42,.5);transition:transform .2s cubic-bezier(.3,1.6,.5,1)}
#risk-range::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:#fff;border:6px solid var(--navy-700);box-shadow:0 6px 12px -4px rgba(0,25,42,.5);transition:transform .2s cubic-bezier(.3,1.6,.5,1)}
#risk-range:hover::-webkit-slider-thumb,#risk-range:active::-webkit-slider-thumb{transform:scale(1.18)}
#risk-range:hover::-moz-range-thumb,#risk-range:active::-moz-range-thumb{transform:scale(1.18)}
#risk-range.nudge::-webkit-slider-thumb{animation:inv-nudge 2s ease-in-out infinite}
#risk-range.nudge::-moz-range-thumb{animation:inv-nudge 2s ease-in-out infinite}
.inv-mix{display:flex;gap:6px;height:60px;margin:26px 0 20px}
.inv-seg{display:flex;align-items:center;justify-content:center;overflow:hidden;min-width:0;border-radius:16px;font-weight:600;font-size:.92rem;white-space:nowrap;transition:width .7s cubic-bezier(.3,1.2,.5,1)}
.inv-seg span{padding:0 10px;overflow:hidden;text-overflow:ellipsis}
.inv-seg.bonds{background:linear-gradient(150deg,var(--navy-600),var(--navy-900));color:#fff}
.inv-seg.shares{background:linear-gradient(150deg,#e6cb8b,var(--sun));color:var(--ink)}
.js .inv-risk-lab:not(.inv-on) .inv-seg{width:0!important}
.inv-lab-text{min-height:3.5em;margin:0;color:var(--ink-soft)}
.inv-lab-text b{color:var(--navy-900)}
.inv-risk-lab .inv-note{margin-top:8px}

/* allowance bar */
.inv-allow{margin:28px 0}
.inv-allow-bar{display:flex;height:60px;border-radius:18px;overflow:hidden;background:var(--cream-100);box-shadow:inset 0 2px 4px rgba(0,25,42,.08)}
.inv-allow-bar>div{display:flex;align-items:center;justify-content:center;font-weight:600;font-size:.92rem;color:#fff;white-space:nowrap;padding:0 12px}
.inv-allow-bar .used{flex:0 0 auto;width:var(--w);min-width:62px;background:var(--sun-dark)}
.inv-allow-bar .left{flex:1;min-width:0;overflow:hidden;background:repeating-linear-gradient(115deg,var(--navy-700) 0 22px,#0a2f4d 22px 44px);background-size:44px 100%;animation:inv-stripes 3s linear infinite}
.inv-allow-bar .left span{overflow:hidden;text-overflow:ellipsis}
.js .inv-allow:not(.inv-on) .inv-allow-bar{clip-path:inset(0 100% 0 0)}
.inv-allow.inv-on .inv-allow-bar{animation:inv-wipe 1.5s cubic-bezier(.6,.05,.3,1) .2s backwards}
.inv-legend{display:flex;flex-wrap:wrap;gap:8px 22px;margin-top:14px;font-size:.88rem;font-weight:600;color:var(--ink-soft)}
.inv-legend i{display:inline-block;width:14px;height:14px;border-radius:50%;margin-right:8px;vertical-align:-2px}
.inv-k-used{background:var(--sun-dark)}.inv-k-left{background:var(--navy-700)}

/* sums pop in, count up */
.js .invest .sum:not(.inv-on)>*{opacity:0}
.invest .sum.inv-on>*{animation:inv-pop .7s cubic-bezier(.2,.8,.2,1) backwards}
.invest .sum.inv-on>:nth-child(2){animation-delay:.12s}.invest .sum.inv-on>:nth-child(3){animation-delay:.24s}.invest .sum.inv-on>:nth-child(4){animation-delay:.36s}.invest .sum.inv-on>:nth-child(5){animation-delay:.5s}
.invest .sum.inv-on>.hl{animation:inv-pop .7s cubic-bezier(.2,.8,.2,1) .5s backwards,inv-glow 2.6s ease-in-out 1.6s 2}

/* setup steps */
.inv-steps{list-style:none;counter-reset:st;margin:20px 0 28px;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.inv-steps li{counter-increment:st;position:relative;background:var(--cream-50);border:2px solid var(--cream-100);border-radius:18px;padding:58px 18px 20px;display:grid;gap:2px;transition:transform .25s cubic-bezier(.3,1.4,.5,1),border-color .2s}
.inv-steps li::before{content:counter(st);position:absolute;left:18px;top:16px;width:32px;height:32px;border-radius:50%;display:grid;place-items:center;font-weight:600;color:#5c4515;background:radial-gradient(circle at 32% 26%,#fff6d6,#ecca72 55%,var(--sun));box-shadow:0 6px 10px -5px rgba(0,25,42,.5)}
.inv-steps li:hover{transform:translateY(-5px);border-color:var(--gold-300)}
.inv-steps b{font-size:1rem}
.inv-steps span{font-size:.88rem;color:var(--ink-soft);line-height:1.4}
.js .inv-steps:not(.inv-on) li{opacity:0}
.inv-steps.inv-on li{animation:inv-pop .7s cubic-bezier(.2,.8,.2,1) calc(var(--i,0)*130ms) backwards}

/* book list */
.inv-books{list-style:none;margin:16px 0 8px;padding:0;display:grid;gap:12px}
.inv-books a{display:flex;align-items:center;gap:18px;padding:16px 22px;background:var(--cream-50);border:2px solid var(--cream-100);border-radius:18px;text-decoration:none;transition:transform .25s cubic-bezier(.3,1.4,.5,1),border-color .2s,box-shadow .25s,background .2s}
.inv-books a::after{content:"↗";margin-left:auto;font-weight:600;color:var(--sun-dark);transition:transform .25s}
.inv-books a:hover{transform:translateX(8px);border-color:var(--gold-300);background:#fff;box-shadow:0 18px 30px -22px rgba(0,25,42,.5)}
.inv-books a:hover::after{transform:translate(3px,-3px)}
.inv-bk{flex:none;display:grid;place-items:center;width:52px;height:52px;border-radius:16px;background:#f1e9d8;font-size:1.6rem;box-shadow:inset 0 -3px 0 rgba(0,25,42,.06);transition:transform .3s cubic-bezier(.3,1.6,.5,1)}
.inv-books a:hover .inv-bk{transform:rotate(-8deg) scale(1.1)}
.inv-books b{display:block}
.inv-books em{display:block;font-style:normal;font-weight:400;font-size:.9rem;color:var(--ink-soft)}
.js .inv-books:not(.inv-on) li{opacity:0}
.inv-books.inv-on li{animation:inv-pop .7s cubic-bezier(.2,.8,.2,1) calc(var(--i,0)*120ms) backwards}

@media(max-width:860px){
  .invest .article .card{padding:26px 22px}
  .inv-steps{grid-template-columns:repeat(2,1fr)}
  .inv-chart,.inv-risk-lab{padding:22px 18px 20px}
  .inv-slider-row{grid-template-columns:1fr 1fr;gap:12px 8px}
  .inv-slider-row input{grid-column:1/-1;grid-row:1}
  .inv-slider-row .end:last-child{text-align:right}
  .inv-pt b{font-size:.74rem;padding:3px 10px}
}
@media(max-width:560px){
  .invest .sum{flex-direction:column}
  .invest .sum .op{align-self:center;line-height:1}
  .inv-books a{padding:14px 16px;gap:14px}
  .inv-mix{height:52px}
  .inv-seg{font-size:.82rem}
}
@media(prefers-reduced-motion:reduce){
  .invest *,.invest *::before,.invest *::after{animation:none!important;transition:none!important}
}

/* ===== money leak finder ===== */
.lk-tool{position:relative;z-index:2;margin-top:-56px;display:grid;grid-template-columns:minmax(0,1fr) 390px;gap:36px;align-items:start}
.wrap.lk-tool{max-width:1280px}
.leak-col{display:grid;gap:26px;min-width:0}
.lk-sr{position:absolute;opacity:0;width:1px;height:1px;margin:0;pointer-events:none}

/* category tabs */
.leak-tabs{position:sticky;top:84px;z-index:6;display:flex;gap:2px;padding:8px;overflow-x:auto;scrollbar-width:none;background:rgba(255,255,255,.94);backdrop-filter:blur(10px);border:2px solid var(--cream-100);border-radius:999px;box-shadow:0 1px 2px rgba(0,25,42,.06),0 18px 36px -22px rgba(0,25,42,.42)}
.leak-tabs::-webkit-scrollbar{display:none}
.tab-ind{position:absolute;top:8px;bottom:8px;left:0;width:0;border-radius:999px;background:linear-gradient(150deg,var(--navy-600),var(--navy-900));box-shadow:0 8px 14px -8px rgba(0,25,42,.7);transition:transform .5s cubic-bezier(.3,1.25,.5,1),width .5s cubic-bezier(.3,1.25,.5,1);pointer-events:none}
.cat-tab{position:relative;z-index:1;flex:none;display:flex;align-items:center;gap:8px;padding:11px 20px;border:0;border-radius:999px;background:transparent;font:600 .93rem Figtree,sans-serif;color:var(--ink-soft);cursor:pointer;white-space:nowrap;transition:color .25s}
.cat-tab:hover{color:var(--navy-900)}
.cat-tab[aria-pressed="true"]{color:#fff}
.cat-tab .cnt{min-width:22px;height:22px;padding:0 6px;border-radius:999px;background:var(--sun);color:var(--ink);font-size:.76rem;display:grid;place-items:center;animation:bump .5s cubic-bezier(.3,1.6,.5,1)}
@keyframes bump{from{transform:scale(.3)}60%{transform:scale(1.3)}to{transform:scale(1)}}

/* groups + rows */
.leak-groups{display:grid;gap:34px}
.leak-group{display:grid;gap:14px}
.leak-group[hidden]{display:none}
.leak-head{display:flex;align-items:center;gap:12px;margin:0 6px}
.leak-head h3{margin:0;font-size:1.2rem}
.leak-head .lk-dot{width:12px;height:12px;border-radius:50%;background:var(--c);box-shadow:0 0 0 4px color-mix(in srgb,var(--c) 22%,transparent)}
.leak-head .lk-sub{margin-left:auto;font-weight:600;font-size:.92rem;color:var(--navy-900);opacity:0;transform:translateY(4px);transition:opacity .3s,transform .3s}
.leak-head .lk-sub.show{opacity:1;transform:none}
.leak-rows{display:grid;grid-template-columns:repeat(auto-fill,minmax(285px,1fr));gap:18px}

.leak-row{--c:var(--navy-700);display:grid;grid-template-columns:minmax(0,1fr);gap:0;align-content:space-between;padding:8px;background:#fff;border:2px solid var(--cream-100);border-radius:22px;box-shadow:0 1px 2px rgba(0,25,42,.05),0 14px 28px -22px rgba(0,25,42,.4);transition:transform .25s cubic-bezier(.3,1.4,.5,1),border-color .3s,background .3s,box-shadow .3s}
.leak-row:hover{transform:translateY(-3px);box-shadow:0 2px 4px rgba(0,25,42,.07),0 22px 34px -22px rgba(0,25,42,.5)}
.leak-row.on{border-color:var(--gold-300);background:linear-gradient(180deg,#fff,#fcf8ef)}
.js .leak-row.wait{opacity:0}
.leak-row.enter,.leak-head.enter{animation:rise .6s cubic-bezier(.2,.8,.2,1) both;animation-delay:calc(var(--i,0)*55ms)}

.leak-pick{display:flex;align-items:center;gap:16px;min-width:0;padding:14px 12px 12px;border-radius:16px;cursor:pointer}
.lk-tick{flex:none;width:30px;height:30px;border-radius:50%;border:2px solid var(--cream-200);background:#fff;display:grid;place-items:center;transition:background .25s,border-color .25s,transform .35s cubic-bezier(.3,1.7,.5,1)}
.lk-tick svg{width:16px;height:16px;fill:none;stroke:#fff;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.lk-tick path{stroke-dasharray:16;stroke-dashoffset:16;transition:stroke-dashoffset .35s ease .08s}
.leak-pick:hover .lk-tick{border-color:var(--sun);transform:scale(1.08)}
.leak-row.on .lk-tick{background:var(--navy-700);border-color:var(--navy-700);transform:scale(1)}
.leak-row.on .lk-tick path{stroke-dashoffset:0}
.leak-pick:has(.lk-sr:focus-visible){outline:3px solid var(--sun-dark);outline-offset:2px}
.leak-ico{flex:none;width:52px;height:52px;border-radius:18px;display:grid;place-items:center;font-size:1.6rem;background:color-mix(in srgb,var(--c) 13%,#fff);box-shadow:inset 0 -3px 0 rgba(0,25,42,.06)}
.leak-row.on .leak-ico{animation:ico .55s cubic-bezier(.3,1.6,.5,1)}
@keyframes ico{40%{transform:scale(1.22) rotate(-8deg)}}
.leak-info{display:grid;gap:2px;min-width:0}
.leak-name{font-weight:600;font-size:1.05rem;line-height:1.3;color:var(--navy-900)}
.leak-typical{font-size:.88rem;color:var(--ink-soft)}

.leak-end{display:flex;align-items:center;gap:8px;padding:6px 6px 6px}
.amt{flex:1;min-width:0;display:flex;align-items:center;gap:6px;padding:9px 18px;border-radius:999px;background:var(--cream-50);border:2px solid var(--cream-200);opacity:.65;transition:opacity .3s,background .3s,border-color .3s,box-shadow .3s}
.amt:hover,.amt:focus-within,.leak-row.on .amt{opacity:1}
.leak-row.on .amt{background:#fff;border-color:var(--gold-300)}
.amt:focus-within{border-color:var(--navy-700);box-shadow:0 0 0 4px rgba(13,53,86,.12)}
.amt .cur,.amt .per{font-weight:600;color:var(--ink-soft);font-size:.95rem}
.amt input{flex:1;width:100%;min-width:0;border:0;background:transparent;font:600 1.05rem Figtree,sans-serif;color:var(--ink);text-align:right;padding:2px 0;-moz-appearance:textfield;appearance:textfield}
.amt input:focus{outline:none}
.amt input::-webkit-outer-spin-button,.amt input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
.amt input::placeholder{color:#b3bbc3}
.leak-row.need .amt{animation:need 1.8s ease-in-out infinite}
@keyframes need{50%{box-shadow:0 0 0 7px rgba(178,148,97,.28)}}
.rm{width:34px;height:34px;border-radius:50%;border:0;background:var(--cream-100);color:var(--ink-soft);font-size:.9rem;cursor:pointer;transition:background .2s,color .2s,transform .2s}
.rm:hover{background:#f1e0dc;color:#9a4a3c;transform:rotate(90deg)}
.leak-row.leaving{animation:leave .35s ease forwards}
@keyframes leave{to{opacity:0;transform:translateX(30px) scale(.96)}}

/* add custom item */
.leak-add{border:2px dashed var(--gold-300);border-radius:24px;background:rgba(255,255,255,.55);padding:8px;transition:background .3s,border-color .3s}
.leak-add:hover,.leak-add.open{background:#fff;border-color:var(--sun)}
.add-btn{width:100%;display:flex;align-items:center;justify-content:center;gap:14px;padding:18px;border:0;border-radius:18px;background:transparent;font:600 1.02rem Figtree,sans-serif;color:var(--navy-900);cursor:pointer}
.add-btn .plus{width:36px;height:36px;border-radius:50%;background:linear-gradient(180deg,#c9ab76,var(--sun));display:grid;place-items:center;font-size:1.4rem;line-height:1;color:var(--ink);transition:transform .45s cubic-bezier(.3,1.6,.5,1)}
.leak-add.open .plus{transform:rotate(135deg)}
.add-panel{display:grid;grid-template-rows:0fr;transition:grid-template-rows .5s cubic-bezier(.2,.8,.2,1)}
.leak-add.open .add-panel{grid-template-rows:1fr}
.add-panel>div{overflow:hidden;min-height:0}
.add-form{display:grid;grid-template-columns:minmax(0,2fr) minmax(0,1.3fr) minmax(0,1fr);gap:14px;padding:12px 14px 16px;opacity:0;transform:translateY(-8px);transition:opacity .35s .1s,transform .45s .1s}
.leak-add.open .add-form{opacity:1;transform:none}
.add-form label{display:grid;gap:6px;font-weight:600;font-size:.85rem;color:var(--ink-soft)}
.add-form input,.add-form select{width:100%;padding:13px 18px;border-radius:999px;border:2px solid var(--cream-200);background:#fff;font:500 1rem Figtree,sans-serif;color:var(--ink);transition:border-color .2s,box-shadow .2s}
.add-form input:focus,.add-form select:focus{outline:none;border-color:var(--navy-700);box-shadow:0 0 0 4px rgba(13,53,86,.12)}
.add-form .acts{grid-column:1/-1;display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.add-form .lk-hint{color:#9a4a3c;font-weight:600;font-size:.9rem;min-height:1.2em}
.add-form .btn{padding:12px 24px}

/* summary */
.tool-side{position:sticky;top:96px;min-width:0}
.sumcard{background:#fff;border:2px solid var(--cream-100);border-radius:28px;overflow:hidden;box-shadow:0 2px 4px rgba(0,25,42,.1),0 30px 50px -26px rgba(0,25,42,.6)}
.sum-top{position:relative;overflow:hidden;padding:28px 28px 26px;color:#fff;background:linear-gradient(150deg,var(--navy-600),var(--navy-900))}
.sum-top::after{content:"";position:absolute;right:-70px;top:-90px;width:250px;aspect-ratio:1.1547;clip-path:polygon(25% 0,75% 0,100% 50%,75% 100%,25% 100%,0 50%);background:linear-gradient(145deg,rgba(178,148,97,.32),transparent);animation:rot 70s linear infinite;pointer-events:none}
.sum-top>*{position:relative;z-index:1}
.sum-top .eyebrow{color:var(--gold-300)}
.sum-top h2{font-size:1.45rem;margin:.25em 0 .2em;color:#fff}
.sum-top p{margin:0;color:#d9d2c4;font-size:.95rem}
.lk-big{margin-top:22px;display:grid;gap:4px}
.lk-big strong{font-size:clamp(2.8rem,5vw,3.6rem);font-weight:300;letter-spacing:-.03em;line-height:1;font-variant-numeric:tabular-nums}
.lk-big span,.mini-stat span{font-size:.82rem;font-weight:600;color:var(--gold-300);text-transform:uppercase;letter-spacing:.08em}
.mini-stats{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:20px}
.mini-stat{display:grid;gap:2px;padding:14px 16px;border-radius:16px;background:rgba(255,255,255,.08);box-shadow:inset 0 0 0 1px rgba(217,199,161,.25)}
.mini-stat strong{font-size:1.5rem;font-weight:500;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.sum-body{padding:26px 28px 28px;display:grid;gap:24px}
.sum-empty{display:grid;justify-items:center;gap:10px;text-align:center;padding:14px 0 6px;color:var(--ink-soft)}
.sum-empty .coin-lg{width:74px;height:74px;border-radius:50%;display:grid;place-items:center;font-size:2.2rem;font-weight:600;color:#7a5f2c;background:radial-gradient(circle at 32% 26%,#fff6d6,#ecca72 42%,var(--sun) 100%);box-shadow:inset 0 0 0 5px #d9b86e,0 14px 18px -8px rgba(0,25,42,.5);animation:bob 5s ease-in-out infinite}
.sum-empty p{margin:0;max-width:19em}
.sum-empty strong{color:var(--navy-900)}
.sum-live{display:none;gap:24px}
.sumcard.active .sum-empty{display:none}
.sumcard.active .sum-live{display:grid;animation:rise .7s cubic-bezier(.2,.8,.2,1) both}
.sum-live h3{margin:0 0 12px;font-size:1.1rem}

.strip{display:flex;height:16px;border-radius:999px;overflow:hidden;background:var(--cream-100);margin-bottom:18px}
.seg{flex:0 1 0;min-width:0;background:var(--c);border-right:3px solid #fff;transition:flex-grow .9s cubic-bezier(.2,.8,.2,1),border-width .3s}
.seg.off{border-width:0}
.cats{display:flex;flex-direction:column}
.cat-row{display:grid;grid-template-rows:0fr;opacity:0;transition:grid-template-rows .55s cubic-bezier(.2,.8,.2,1),opacity .4s}
.cat-row.on{grid-template-rows:1fr;opacity:1}
.cat-row>div{overflow:hidden;min-height:0}
.cat-line{display:flex;align-items:center;gap:10px;font-weight:600;font-size:.94rem;padding-top:12px}
.cat-line .lk-dot{width:10px;height:10px;border-radius:50%;background:var(--c)}
.cat-line .v{margin-left:auto;font-variant-numeric:tabular-nums;color:var(--navy-900)}
.cat-track{margin-top:7px;margin-bottom:2px;height:12px;border-radius:999px;background:var(--cream-100);overflow:hidden}
.cat-track i{display:block;height:100%;width:0;border-radius:999px;background:var(--c);transition:width 1s cubic-bezier(.2,.8,.2,1)}

.verdict{display:grid;grid-template-columns:auto 1fr;gap:14px;padding:18px 18px 18px 16px;border-radius:18px;border-left:5px solid var(--vc);background:var(--vb)}
.verdict.low{--vc:#2f6b57;--vb:#e6efe9}
.verdict.medium{--vc:var(--sun-dark);--vb:#f5eedd}
.verdict.high{--vc:#9a4a3c;--vb:#f6e7e3}
.verdict.swap{animation:swap .6s cubic-bezier(.2,.8,.2,1)}
@keyframes swap{from{opacity:0;transform:translateY(10px) scale(.97)}}
.verdict-emoji{font-size:2rem;line-height:1}
.verdict.swap .verdict-emoji{animation:ico .7s cubic-bezier(.3,1.6,.5,1)}
.verdict h3{margin:0 0 .25em;font-size:1.1rem;color:var(--ink)}
.verdict p{margin:0;font-size:.95rem;color:var(--ink)}
.sum-actions{display:grid;gap:14px;justify-items:stretch}
.sum-actions .btn{padding:15px 22px;text-align:center}
.sum-actions .link-btn{justify-self:center}
.snap-btn{position:relative;overflow:hidden;display:grid;grid-template-columns:auto minmax(0,1fr) auto;align-items:center;gap:18px;width:100%;padding:16px 16px 16px 20px;text-align:left;font:inherit;color:var(--navy-900);cursor:pointer;background:linear-gradient(180deg,#fff,#fbf7ee);border:2px solid var(--gold-300);border-radius:22px;box-shadow:0 5px 0 var(--gold-300),0 20px 30px -20px rgba(0,25,42,.5);transition:transform .2s,box-shadow .2s,border-color .25s,background .3s}
.snap-btn:hover{transform:translateY(-3px);border-color:var(--sun);box-shadow:0 8px 0 var(--gold-300),0 28px 36px -20px rgba(0,25,42,.6)}
.snap-btn:active{transform:translateY(3px);box-shadow:0 2px 0 var(--gold-300)}
.snap-btn:focus-visible{outline:3px solid var(--sun-dark);outline-offset:4px}
.snap-doc{position:relative;flex:none;width:46px;height:58px;border-radius:8px;background:#fff;border:2px solid var(--navy-700);box-shadow:4px 5px 0 var(--gold-300);transform:rotate(-7deg);transition:transform .45s cubic-bezier(.3,1.6,.5,1)}
.snap-doc i{position:absolute;left:0;right:0;top:0;height:15px;border-radius:5px 5px 0 0;background:linear-gradient(150deg,var(--navy-600),var(--navy-900))}
.snap-doc b{position:absolute;left:6px;right:6px;height:3px;border-radius:2px;background:var(--cream-200)}
.snap-doc b:nth-of-type(1){top:23px}.snap-doc b:nth-of-type(2){top:30px}.snap-doc b:nth-of-type(3){top:37px;right:16px}
.snap-doc em{position:absolute;left:6px;bottom:6px;width:58%;height:6px;border-radius:3px;background:var(--sun)}
.snap-btn:hover .snap-doc{transform:rotate(3deg) translateY(-4px) scale(1.08)}
.snap-txt strong{display:block;font-weight:600;font-size:1.1rem;line-height:1.25;letter-spacing:-.005em}
.snap-txt small{display:block;margin-top:2px;font-size:.88rem;line-height:1.35;color:var(--ink-soft)}
.snap-go{position:relative;width:46px;height:46px;border-radius:50%;display:grid;place-items:center;color:#fff;background:linear-gradient(150deg,var(--navy-600),var(--navy-900));box-shadow:0 8px 14px -8px rgba(0,25,42,.7);transition:transform .3s cubic-bezier(.3,1.6,.5,1),background .3s}
.snap-go svg{grid-area:1/1;width:22px;height:22px}
.snap-btn:hover .snap-go{transform:scale(1.1)}
.snap-btn:hover .g-arrow{animation:nudgeDown .9s ease-in-out infinite}
.g-check,.snap-spin{display:none}
.snap-spin{grid-area:1/1;width:22px;height:22px;border-radius:50%;border:3px solid rgba(255,255,255,.3);border-top-color:var(--sun);animation:spin360 .8s linear infinite}
.snap-btn.busy{pointer-events:none}
.snap-btn.busy::after{content:"";position:absolute;left:0;bottom:0;height:5px;width:38%;border-radius:0 5px 0 0;background:linear-gradient(90deg,var(--gold-300),var(--sun));animation:sweep 1.2s ease-in-out infinite}
.snap-btn.busy .g-arrow{display:none}.snap-btn.busy .snap-spin{display:block}
.snap-btn.done{border-color:#9fc3b3;background:linear-gradient(180deg,#fff,#eef5f1);box-shadow:0 5px 0 #b9d4c8,0 20px 30px -20px rgba(0,25,42,.4)}
.snap-btn.done .snap-go{background:linear-gradient(150deg,#3b8068,#2f6b57);animation:pop2 .5s cubic-bezier(.3,1.6,.5,1)}
.snap-btn.done .g-arrow{display:none}.snap-btn.done .g-check{display:block}
.snap-btn.fail{border-color:#d8a89f;background:linear-gradient(180deg,#fff,#faefec);box-shadow:0 5px 0 #e3c2bb}
.snap-btn.fail .snap-go{background:linear-gradient(150deg,#b05a4a,#9a4a3c)}
@keyframes nudgeDown{50%{transform:translateY(3px)}}
@keyframes sweep{0%{transform:translateX(-100%)}100%{transform:translateX(270%)}}
@keyframes pop2{from{transform:scale(.5)}60%{transform:scale(1.2)}to{transform:scale(1)}}
@keyframes spin360{to{transform:rotate(360deg)}}
.link-btn{border:0;background:none;padding:8px 6px;font:600 .92rem Figtree,sans-serif;color:var(--ink-soft);text-decoration:underline;text-underline-offset:3px;cursor:pointer}
.link-btn:hover{color:#9a4a3c}
.lk-fine{margin:0;font-size:.82rem;color:var(--ink-soft);border-top:2px dashed var(--cream-100);padding-top:16px}

/* mobile floating total */
.leak-float{position:fixed;z-index:40;left:50%;bottom:16px;width:min(440px,calc(100vw - 24px));transform:translate(-50%,140%);display:flex;align-items:center;gap:14px;padding:12px 12px 12px 22px;border:0;border-radius:999px;background:linear-gradient(150deg,var(--navy-600),var(--navy-900));color:#fff;font:inherit;text-align:left;cursor:pointer;box-shadow:0 20px 40px -12px rgba(0,25,42,.7);transition:transform .55s cubic-bezier(.3,1.3,.5,1)}
.leak-float.show{transform:translate(-50%,0)}
.leak-float b{display:block;font-size:1.3rem;font-weight:500;letter-spacing:-.02em;line-height:1.1}
.leak-float small{display:block;color:var(--gold-300);font-size:.8rem;font-weight:600}
.leak-float .tx-go{margin-left:auto;padding:10px 16px;border-radius:999px;background:var(--sun);color:var(--ink);font-weight:600;font-size:.9rem;white-space:nowrap}

@media(min-width:1021px){
  .tool-side{top:90px;max-height:calc(100vh - 102px);overflow-y:auto;overscroll-behavior:contain;scrollbar-width:thin;scrollbar-color:var(--gold-300) transparent;padding:6px 6px 36px;margin:-6px -6px -36px;border-radius:34px}
}
@media(max-width:1020px){
  .lk-tool{grid-template-columns:1fr;gap:26px;margin-top:-44px}
  .tool-side{position:static}
  .add-form{grid-template-columns:1fr 1fr}
  .add-form label:first-child{grid-column:1/-1}
}
@media(max-width:640px){
  .leak-tabs{top:70px}
  .leak-rows{grid-template-columns:1fr}
  .leak-ico{width:48px;height:48px;font-size:1.4rem}
  .add-form{grid-template-columns:1fr}
  .sum-top,.sum-body{padding-left:22px;padding-right:22px}
}
@media(prefers-reduced-motion:reduce){
  .tab-ind,.lk-tick,.lk-tick path,.leak-row,.amt,.seg,.cat-row,.cat-track i,.add-panel,.add-form,.leak-float,.plus{transition:none!important}
  .leak-row.enter,.leak-head.enter,.leak-row.need .amt,.leak-row.on .leak-ico,.cnt,.sum-top::after,.sum-empty .coin-lg,.sumcard.active .sum-live,.verdict.swap,.verdict.swap .verdict-emoji{animation:none!important}
  .js .leak-row.wait{opacity:1}
}

/* mortgage calculator page */
.sr{position:absolute;width:1px;height:1px;margin:-1px;padding:0;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
.calc,.calc-below{position:relative;z-index:2}
.calc{display:grid;grid-template-columns:minmax(0,1fr) 390px;gap:32px;align-items:start;margin-top:-56px}
.calc-below{margin-top:32px}
.calc .stack,.calc-below .stack{gap:32px;min-width:0}
.calc .card,.calc-below .card{padding:40px;scroll-margin-top:96px}
.calc .card h2,.calc-below .card h2{font-size:1.6rem}
.calc .card .lede,.calc-below .card .lede{margin:0 0 30px;color:var(--ink-soft)}
.calc-below .card .icon{margin-bottom:18px}

.calc .fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:28px}
.mfield{min-width:0}
.mfield label{display:block;font-weight:600;font-size:.92rem;margin-bottom:10px;color:var(--navy-900)}
.inp{display:flex;align-items:center;background:var(--cream-50);border:2px solid var(--cream-200);border-radius:16px;transition:border-color .2s,box-shadow .25s,background .2s}
.inp:hover{border-color:var(--gold-300)}
.inp:focus-within{border-color:var(--sun-dark);background:#fff;box-shadow:0 0 0 5px rgba(178,148,97,.22)}
.inp.bad{border-color:#c98a7e;background:#fbf1ee;animation:calcShake .4s}
.inp i{font-style:normal;font-weight:600;color:var(--ink-soft);padding-left:18px}
.inp i.suf{padding:0 18px 0 0}
.inp{min-width:0;max-width:100%}
.inp input{flex:1 1 0;width:0;min-width:0;border:0;background:transparent;outline:0;font:600 1.25rem Figtree,system-ui,sans-serif;color:var(--ink);padding:16px 18px 16px 6px;font-variant-numeric:tabular-nums}
.inp input:focus-visible{outline:0}
.inp i+input{padding-left:6px}
.inp input:first-child{padding-left:20px}
.hint{margin:10px 0 0!important;font-size:.85rem;color:var(--ink-soft);min-height:1.4em;transition:color .2s}
.hint b{display:inline-block;background:var(--cream-100);color:var(--navy-900);border-radius:999px;padding:1px 10px;margin-right:2px}
.hint.warn{color:#9a4a3c}
.calc .sum{margin:36px 0 0;gap:18px}
.calc .sum>div:not(.op){padding:20px 22px;border-radius:18px;flex:1 1 200px}
.calc .sum strong{font-size:1.7rem;font-variant-numeric:tabular-nums}

.chip-row{display:flex;flex-wrap:wrap;gap:12px}
.chip{font:600 .98rem Figtree,system-ui,sans-serif;color:var(--navy-900);background:var(--cream-50);border:2px solid var(--cream-100);border-radius:999px;padding:11px 20px;cursor:pointer;transition:transform .25s cubic-bezier(.3,1.6,.5,1),background .2s,color .2s,border-color .2s,box-shadow .2s}
.chip:hover{transform:translateY(-3px);border-color:var(--gold-300);background:#fff;box-shadow:0 10px 16px -10px rgba(0,25,42,.45)}
.chip[aria-pressed="true"]{background:var(--navy-700);border-color:var(--navy-700);color:#fff;box-shadow:0 5px 0 var(--navy-900)}
.chip.pop{animation:chipPop .45s cubic-bezier(.3,1.6,.5,1)}
.over-row{display:grid;grid-template-columns:minmax(0,1fr) 210px;gap:36px;align-items:start;margin-top:36px;padding-top:32px;border-top:2px dashed var(--cream-100)}
.range{-webkit-appearance:none;appearance:none;display:block;width:100%;height:12px;margin:16px 0 0;border-radius:999px;cursor:pointer;background:linear-gradient(90deg,var(--sun) var(--p,0%),var(--cream-100) var(--p,0%));outline-offset:10px}
.range::-webkit-slider-thumb{-webkit-appearance:none;width:32px;height:32px;border-radius:50%;background:radial-gradient(circle at 32% 26%,#fff6d6,#ecca72 45%,var(--sun));border:4px solid var(--sun-dark);box-shadow:0 10px 14px -6px rgba(0,25,42,.55);transition:transform .25s cubic-bezier(.3,1.6,.5,1)}
.range::-moz-range-thumb{width:24px;height:24px;border-radius:50%;background:radial-gradient(circle at 32% 26%,#fff6d6,#ecca72 45%,var(--sun));border:4px solid var(--sun-dark);box-shadow:0 10px 14px -6px rgba(0,25,42,.55);transition:transform .25s cubic-bezier(.3,1.6,.5,1)}
.range::-moz-range-track{background:transparent}
.range:hover::-webkit-slider-thumb,.range:active::-webkit-slider-thumb{transform:scale(1.18)}
.range:hover::-moz-range-thumb,.range:active::-moz-range-thumb{transform:scale(1.18)}
.scale{display:flex;justify-content:space-between;margin-top:12px;font-size:.8rem;font-weight:600;color:var(--ink-soft)}

/* results panel */
.results{position:sticky;top:96px;background:linear-gradient(150deg,var(--navy-600),var(--navy-900));color:#fff;border-radius:36px;padding:40px 36px 36px;overflow:hidden;box-shadow:0 2px 4px rgba(0,25,42,.1),0 30px 50px -26px rgba(0,25,42,.6);transition:opacity .3s}
.results::after{content:"";position:absolute;right:-70px;top:-90px;width:260px;aspect-ratio:1.1547;clip-path:polygon(25% 0,75% 0,100% 50%,75% 100%,25% 100%,0 50%);background:linear-gradient(145deg,rgba(178,148,97,.3),transparent);pointer-events:none;animation:rot 80s linear infinite}
.results>*{position:relative;z-index:1}
.results.stale{opacity:.55}
.results h2{font-size:1.5rem;color:#fff;margin-bottom:.25em}
.results .sub{margin:0 0 20px;color:#d9d2c4;font-size:.95rem;min-height:3em}
.metric{display:grid;grid-template-columns:60px minmax(0,1fr);gap:18px;align-items:center;padding:22px 0;border-top:1px solid rgba(255,255,255,.14)}
.metric .ico{width:60px;height:60px;border-radius:20px;background:rgba(217,199,161,.16);box-shadow:inset 0 0 0 1px rgba(217,199,161,.3);display:grid;place-items:center;font-size:1.7rem;transition:transform .35s cubic-bezier(.3,1.6,.5,1)}
.metric:hover .ico{transform:scale(1.1) rotate(-6deg)}
.metric .k{display:block;font-size:.78rem;font-weight:600;color:var(--gold-300);text-transform:uppercase;letter-spacing:.08em;margin-bottom:2px}
.metric strong{display:block;font-size:clamp(1.6rem,2.4vw,2.1rem);font-weight:500;letter-spacing:-.02em;line-height:1.15;font-variant-numeric:tabular-nums}
.metric.gold strong{color:#ecd7a3}
.term-bars{display:grid;gap:12px;padding:22px 0 4px;border-top:1px solid rgba(255,255,255,.14)}
.tb{display:grid;grid-template-columns:62px minmax(0,1fr);gap:14px;align-items:center;font-size:.85rem;font-weight:600;color:#d9d2c4}
.tb .track{background:rgba(255,255,255,.12);height:12px}
.tb .track i{background:rgba(255,255,255,.55);transition:width 1s cubic-bezier(.2,.8,.2,1)}
.tb:last-child .track i{background:linear-gradient(90deg,var(--sun-dark),#ecca72)}
.nudge{margin:24px 0 0;max-height:80px;overflow:hidden;transition:max-height .45s ease,opacity .3s,margin .45s}
.nudge.off{max-height:0;opacity:0;margin-top:0}
.nudge .btn{width:100%;text-align:center}

/* timeline */
.chart-card .head{display:flex;flex-wrap:wrap;justify-content:space-between;gap:18px 32px;align-items:flex-end}
.legend{display:flex;flex-wrap:wrap;gap:10px 24px;font-weight:600;font-size:.9rem;margin-bottom:30px}
.legend span{display:inline-flex;gap:10px;align-items:center}
.legend i{width:28px;height:6px;border-radius:99px;background:var(--navy-600)}
.legend i.l-b{background:var(--sun-dark)}
.chart{position:relative;margin:0;background:var(--cream-50);border-radius:22px;padding:28px 16px 14px}
.chart svg{display:block;width:100%;height:auto;overflow:visible;touch-action:pan-y;cursor:crosshair}
.chart text{font-family:Figtree,system-ui,sans-serif;font-size:12.5px;font-weight:600;fill:var(--ink-soft)}
.chart .grid{stroke:var(--cream-200);stroke-width:1.5;stroke-dasharray:3 6}
.chart .ln{fill:none;stroke-linecap:round;stroke-linejoin:round}
.chart .ln.a{stroke:var(--navy-600);stroke-width:3.5}
.chart .ln.b{stroke:var(--sun-dark);stroke-width:4}
.payoff{opacity:0;transition:opacity .4s}
.payoff.on{opacity:1}
.payoff line{stroke:var(--sun-dark);stroke-width:2;stroke-dasharray:5 5}
.payoff text{fill:var(--navy-900);font-size:13.5px;font-weight:700;paint-order:stroke;stroke:var(--cream-50);stroke-width:5px;stroke-linejoin:round}
.cursor{opacity:0;transition:opacity .15s;pointer-events:none}
.cursor.on{opacity:1}
.cursor line{stroke:var(--navy-700);stroke-width:1.5;opacity:.5}
.cursor circle{stroke:#fff;stroke-width:3}
.cursor circle.a{fill:var(--navy-600)}.cursor circle.b{fill:var(--sun-dark)}
.tip{position:absolute;z-index:3;pointer-events:none;background:var(--navy-900);color:#fff;border-radius:14px;padding:10px 14px;font-size:.85rem;line-height:1.5;display:grid;gap:1px;white-space:nowrap;box-shadow:0 14px 24px -12px rgba(0,25,42,.7);opacity:0;transform:translate(-50%,calc(-100% - 16px));transition:opacity .15s}
.tip.on{opacity:1}
.tip .ta{color:#c9d3dc}.tip .tb2{color:#ecd7a3;font-weight:600}

/* comparison table */
.compare{margin:0}
.compare thead th{white-space:nowrap}
.compare th,.compare td{padding:18px 22px;font-variant-numeric:tabular-nums}
.compare tbody tr{transition:background .2s}
.compare tbody tr:hover{background:var(--cream-50)}
.compare td.diff{color:#2f6b57}
.calc-below .callout{margin:28px 0 0}

@keyframes calcShake{25%{transform:translateX(-5px)}75%{transform:translateX(5px)}}
@keyframes chipPop{40%{transform:scale(1.14)}}

@media(max-width:980px){
  .calc{grid-template-columns:1fr}
  .results{position:static}
}
@media(max-width:860px){
  .calc{margin-top:-44px;gap:24px}
  .calc .stack,.calc-below .stack{gap:24px}
  .calc .card,.calc-below .card{padding:28px 22px}
  .calc .fields,.over-row{grid-template-columns:minmax(0,1fr)}
  .over-row{gap:28px}
  .results{padding:32px 24px;border-radius:30px}
  .chart{padding:20px 8px 10px;border-radius:18px}
  .compare th,.compare td{padding:14px 16px}
}
@media(prefers-reduced-motion:reduce){
  .results::after,.inp.bad,.chip.pop{animation:none!important}
  .chip,.range::-webkit-slider-thumb,.metric .ico,.tb .track i,.nudge,.payoff,.cursor,.tip{transition:none}
}

/* ===== contact page ===== */
.contact-page .stack{gap:30px}
.contact-page .stack .card{padding:40px 40px 38px}
.contact-page .card>h2,.contact-form>h2{font-size:1.9rem;margin-bottom:.35em}
.form-lead{margin:0 0 30px!important}
.find{margin-top:26px;padding-top:22px;border-top:2px dashed rgba(255,255,255,.18);display:grid;gap:12px;justify-items:center}
.find span{font-size:.82rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-300)}
.portrait .social{justify-content:center}
.portrait .social a{background:rgba(255,255,255,.12);color:#fff}
.portrait .social a:hover{background:var(--sun);color:var(--ink)}

/* form layout: generous room between every field */
.contact-form{display:grid;gap:26px}
.contact-form[hidden]{display:none}
.contact-form>h2,.contact-form>.icon,.contact-form>.form-lead{margin-bottom:0}
.contact-form>.icon{margin-bottom:-6px}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:26px}
.contact-form.out{animation:formOut .38s cubic-bezier(.4,0,1,1) forwards}
@keyframes formOut{to{opacity:0;transform:translateY(-14px) scale(.98)}}

/* floating-label fields */
.cf-field{position:relative}
.cf-field input,.cf-field textarea{display:block;width:100%;padding:30px 24px 12px;border:2px solid var(--cream-200);border-radius:18px;background:#fff;color:var(--ink);font:inherit;font-weight:400;line-height:1.4;box-shadow:inset 0 2px 3px rgba(0,25,42,.04);transition:border-color .2s,box-shadow .25s,transform .25s}
.cf-field input{height:68px}
.cf-field textarea{min-height:200px;resize:vertical;padding-bottom:40px}
.cf-field[data-req] input{padding-right:62px}
.cf-field:hover input,.cf-field:hover textarea{border-color:var(--gold-300)}
.cf-field input:focus,.cf-field textarea:focus{outline:0;border-color:var(--sun);transform:translateY(-2px);box-shadow:0 0 0 5px rgba(178,148,97,.22),0 16px 26px -18px rgba(0,25,42,.45)}
.cf-field label{position:absolute;left:26px;top:23px;line-height:1.4;color:var(--ink-soft);font-weight:400;pointer-events:none;transform-origin:left top;transition:transform .28s cubic-bezier(.3,1.3,.5,1),color .2s}
.cf-field input:focus+label,.cf-field input:not(:placeholder-shown)+label,.cf-field textarea:focus+label,.cf-field textarea:not(:placeholder-shown)+label{transform:translateY(-13px) scale(.78);color:var(--navy-700);font-weight:600}
.cf-field input:focus-visible,.cf-field textarea:focus-visible{outline:0}

/* required badge swaps to a tick once the field is valid */
.cf-badge,.cf-tick{position:absolute;right:16px;top:22px;transition:opacity .25s,transform .45s cubic-bezier(.3,1.8,.5,1)}
.cf-badge{font-size:.72rem;font-weight:600;letter-spacing:.07em;text-transform:uppercase;color:var(--sun-dark);background:#f1e9d8;padding:3px 11px;border-radius:999px;transform-origin:right center}
.cf-tick{right:20px;top:20px;width:28px;height:28px;border-radius:50%;display:grid;place-items:center;background:#dfeae4;color:#2f6b57;font-size:.9rem;font-weight:600;transform:scale(0) rotate(-90deg)}
.cf-field.ok .cf-badge,.cf-field input:not(:placeholder-shown)~.cf-badge{opacity:0;transform:scale(.5)}
.cf-field.ok .cf-tick{transform:none}

/* inline errors open smoothly instead of jumping the layout */
.err-msg{display:grid;grid-template-rows:0fr;transition:grid-template-rows .3s cubic-bezier(.2,.8,.2,1)}
.err-msg span{overflow:hidden;font-size:.9rem;font-weight:600;color:#9a4a3c;padding:0 6px}
.cf-field.bad .err-msg{grid-template-rows:1fr}
.cf-field.bad .err-msg span{padding-top:10px}
.cf-field.bad input{border-color:#cf9a8f}
.cf-field.bad input:focus{box-shadow:0 0 0 5px rgba(207,154,143,.28),0 16px 26px -18px rgba(0,25,42,.45)}
.cf-field.bad .cf-badge{background:#f1e0dc;color:#9a4a3c}
.cf-field.shake{animation:shake .5s cubic-bezier(.36,.07,.19,.97)}
@keyframes shake{20%,60%{transform:translateX(-7px)}40%,80%{transform:translateX(7px)}}

/* message counter */
.cf-count{position:absolute;left:24px;right:20px;bottom:14px;display:flex;justify-content:flex-end;align-items:center;gap:12px;font-size:.8rem;font-weight:600;color:var(--ink-soft);font-variant-numeric:tabular-nums;pointer-events:none}
.cf-count i{flex:1;height:4px;border-radius:4px;background:linear-gradient(90deg,var(--sun-dark),var(--sun));transform:scaleX(0);transform-origin:left;transition:transform .2s ease-out;opacity:.8}
.cf-count.near{color:#9a4a3c}.cf-count.near i{background:#cf9a8f}

/* send row */
.send-row{display:flex;flex-wrap:wrap;align-items:center;gap:16px 24px;margin-top:6px}
.send-row small{margin:0;flex:1 1 240px;color:var(--ink-soft);font-size:.88rem}
.cf-err{margin:0;padding:14px 18px;border-radius:14px;background:#f1e0dc;color:#9a4a3c;font-weight:600;font-size:.95rem;border-left:5px solid #cf9a8f}
.cf-err[hidden]{display:none}
.cf-trap{position:absolute;left:-9999px;top:auto;width:1px;height:1px;overflow:hidden}
.send{display:inline-flex;align-items:center;gap:12px;padding:16px 32px;font:inherit;font-weight:600}
.send .go-arrow{font-style:normal;transition:transform .25s cubic-bezier(.3,1.6,.5,1)}
.send:hover .go-arrow{transform:translateX(6px)}
.send:disabled{cursor:progress;transform:none}
.send.busy .go-arrow{width:18px;height:18px;border-radius:50%;border:3px solid rgba(0,25,42,.25);border-top-color:var(--ink);font-size:0;animation:spin2 .7s linear infinite}
.send.busy:hover{transform:none}
@keyframes spin2{to{transform:rotate(360deg)}}

/* success state */
.sent{text-align:center;padding:34px 10px 24px}
.sent[hidden]{display:none}
.sent.in{animation:rise .7s cubic-bezier(.2,.8,.2,1) backwards}
.sent:focus-visible{outline:0}
.sent h2{margin:26px 0 .3em!important}
.sent p{margin:0 auto 26px!important;max-width:28em}
.ok-coin{position:relative;width:104px;height:104px;margin:0 auto;perspective:420px}
.ok-coin i{display:grid;place-items:center;width:100%;height:100%;border-radius:50%;font-style:normal;font-weight:600;font-size:3rem;color:#7a5f2c;background:radial-gradient(circle at 32% 26%,#fff6d6,#ecca72 42%,var(--sun) 100%);box-shadow:inset 0 0 0 7px #d9b86e,inset 0 0 0 10px rgba(122,95,44,.35),0 18px 24px -10px rgba(0,25,42,.5);animation:coinIn 1s cubic-bezier(.2,.9,.25,1.1) backwards}
.ok-coin::after{content:"";position:absolute;inset:-4px;border-radius:50%;border:3px solid var(--sun);animation:ring 1.2s ease-out .5s backwards}
@keyframes coinIn{from{opacity:0;transform:rotateY(540deg) scale(.4)}}
@keyframes ring{from{opacity:.9;transform:scale(1)}to{opacity:0;transform:scale(1.9)}}

/* staggered entrance for the form (JS adds .go on scroll) */
.js .cf:not(.go) .contact-form>*{opacity:0;transform:translateY(24px)}
.js .cf.go .contact-form>*{animation:rise .8s cubic-bezier(.2,.8,.2,1) backwards;animation-delay:calc(var(--n,0)*110ms + 150ms)}
.contact-form>:nth-child(2){--n:1}.contact-form>:nth-child(3){--n:2}.contact-form>:nth-child(4){--n:3}.contact-form>:nth-child(5){--n:4}.contact-form>:nth-child(6){--n:5}
.js .cf.go .contact-form.out{animation:formOut .38s cubic-bezier(.4,0,1,1) forwards}

/* topic chips as links */
.chips.links{margin-top:20px;gap:12px}
.chips.links li{padding:0}
.chips.links a{display:block;padding:10px 20px;text-decoration:none;color:var(--navy-900)}
.chips.links li::after{content:none}
.chips.links li:hover{background:var(--navy-700);border-color:var(--navy-700)}
.chips.links li:hover a{color:#fff}
.chips.pop li{transition:transform .2s cubic-bezier(.3,1.6,.5,1),background .2s,border-color .2s}
.chips.pop li:hover{transform:translateY(-4px) rotate(-1.5deg)}

@container card (max-width:560px){
  .row2{grid-template-columns:1fr}
}
@media(max-width:860px){
  .contact-page .stack .card{padding:28px 22px 26px}
  .contact-page .card>h2,.contact-form>h2{font-size:1.6rem}
  .contact-form{gap:22px}
}
@media(prefers-reduced-motion:reduce){
  .js .cf:not(.go) .contact-form>*{opacity:1;transform:none}
  .js .cf.go .contact-form>*,.sent.in,.ok-coin i,.ok-coin::after,.cf-field.shake,.send.busy .go-arrow{animation:none!important}
  .cf-field input,.cf-field textarea,.cf-field label,.cf-badge,.cf-tick,.err-msg,.chips.pop li,.send .go-arrow{transition:none}
  .contact-form.out{animation:none;opacity:0}
}

/* ===== booking page ===== */
.book-grid{display:grid;grid-template-columns:minmax(0,1.65fr) minmax(0,.7fr);gap:32px;align-items:start;position:relative;z-index:2;margin-top:-56px}
.book{padding:0;overflow:hidden;border-radius:28px;scroll-margin-top:90px}
.book button{font-family:Figtree,system-ui,sans-serif}
.book .btn{font-size:1rem;font-weight:600}
.book .btn:disabled{opacity:.55;pointer-events:none}
.btn.small{padding:10px 20px;font-size:.92rem}
.btn.loading::after{content:"";display:inline-block;width:14px;height:14px;margin-left:10px;border:2px solid currentColor;border-right-color:transparent;border-radius:50%;animation:spin2 .7s linear infinite;vertical-align:-2px}
@keyframes spin2{to{transform:rotate(360deg)}}

/* stepper */
.steps-wrap{position:relative;background:var(--cream-50);border-bottom:2px solid var(--cream-100)}
.steps{list-style:none;margin:0;padding:16px 26px 18px;display:flex;gap:6px}
.steps li{flex:1}
.st{display:flex;align-items:center;gap:12px;width:100%;padding:8px 12px 8px 8px;border:0;border-radius:999px;background:none;font-weight:600;font-size:.95rem;color:var(--ink-soft);text-align:left;cursor:default;transition:background .2s,color .2s}
.st:not(:disabled){cursor:pointer}
.st:not(:disabled):hover{background:var(--cream-100)}
.dot{flex:none;width:36px;height:36px;border-radius:50%;display:grid;place-items:center;background:#fff;border:2px solid var(--cream-200);font-size:.9rem;transition:background .3s,border-color .3s,color .3s,box-shadow .3s,transform .3s cubic-bezier(.3,1.6,.5,1)}
.st[aria-current=step]{color:var(--navy-900)}
.st[aria-current=step] .dot{background:var(--navy-700);border-color:var(--navy-700);color:#fff;box-shadow:0 0 0 5px rgba(178,148,97,.28)}
.st.done .dot{background:var(--sun);border-color:var(--sun);color:var(--ink);transform:scale(1.04)}
.st.done[aria-current=step] .dot{box-shadow:0 0 0 5px rgba(178,148,97,.28)}
.steps-track{position:absolute;left:0;right:0;bottom:-2px;height:4px}
.steps-track i{display:block;height:100%;width:var(--p,33.33%);background:linear-gradient(90deg,var(--sun-dark),var(--sun));border-radius:0 4px 4px 0;transition:width .7s cubic-bezier(.2,.8,.2,1)}

/* panels */
.panel{padding:40px 40px 44px}
.panel>h2{font-size:clamp(1.6rem,3vw,2rem);margin-bottom:.3em}
.panel>h2:focus{outline:none}
.panel[hidden]{display:none}
.intro{color:var(--ink-soft);max-width:40em;margin:0 0 30px}
.pick{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr)}
.cal{padding-right:40px}
.slots{padding-left:40px;border-left:2px dashed var(--cream-200);min-height:380px}

/* calendar */
.cal-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:16px}
.cal-title{margin:0;font-size:1.3rem;font-weight:500}
.cal-nav{display:flex;gap:8px}
.cal-nav button{width:42px;height:42px;border-radius:50%;border:0;background:var(--cream-100);color:var(--navy-900);font-size:1.1rem;cursor:pointer;transition:background .2s,transform .2s}
.cal-nav button:hover:not(:disabled){background:var(--gold-300);transform:translateY(-2px)}
.cal-nav button:disabled{opacity:.3;cursor:default}
.cal-dow,.cal-grid{display:grid;grid-template-columns:repeat(7,1fr);gap:6px}
.cal-dow{margin-bottom:8px;text-align:center;font-size:.74rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-soft)}
.day{position:relative;aspect-ratio:1;border:0;border-radius:50%;background:transparent;font-size:1rem;font-weight:400;color:rgba(0,25,42,.32);cursor:default;transition:background .2s,color .2s,transform .25s cubic-bezier(.3,1.6,.5,1),box-shadow .25s}
.day.avail{background:#f1e9d8;color:var(--ink);font-weight:600;cursor:pointer}
.day.avail:hover{background:var(--gold-300);transform:scale(1.1)}
.day.sel{background:var(--navy-700);color:#fff;transform:scale(1.08);box-shadow:0 0 0 4px rgba(178,148,97,.4),0 10px 14px -8px rgba(0,25,42,.6)}
.day.today::after{content:"";position:absolute;left:50%;bottom:20%;width:5px;height:5px;margin-left:-2.5px;border-radius:50%;background:var(--sun-dark)}
.day.sel.today::after{background:var(--gold-300)}
.cal-key{display:flex;flex-wrap:wrap;gap:6px 18px;margin:18px 0 0;font-size:.85rem;color:var(--ink-soft)}
.cal-key span::before{content:"";display:inline-block;width:12px;height:12px;border-radius:50%;margin-right:7px;vertical-align:-1px;background:#f1e9d8}
.cal-key span+span::before{background:var(--navy-700)}

/* times */
.slots-empty{display:grid;align-content:center;justify-items:center;gap:12px;min-height:340px;text-align:center;color:var(--ink-soft)}
.slots-empty .ico{width:76px;height:76px;border-radius:24px;display:grid;place-items:center;font-size:2.2rem;background:#f1e9d8;animation:bob 5s ease-in-out infinite}
.slots-empty p{margin:0;max-width:17em}
.slot-head h3{font-size:1.3rem;font-weight:500;margin:0}
.slot-head p{margin:2px 0 18px;color:var(--ink-soft);font-size:.92rem}
.slot-list{display:grid;gap:10px;max-height:25rem;overflow-y:auto;padding:4px 8px 10px 4px;margin:-4px -8px 0 -4px;scrollbar-width:thin;scrollbar-color:var(--gold-300) transparent}
.slot{display:grid;grid-template-columns:1fr 0fr;transition:grid-template-columns .4s cubic-bezier(.2,.8,.2,1),column-gap .4s}
.slot.sel{grid-template-columns:1fr 1fr;column-gap:8px}
.slot .t,.slot .go{min-width:0;border-radius:999px;font-size:1rem;font-weight:600;cursor:pointer;white-space:nowrap}
.slot .t{padding:13px 16px;border:2px solid var(--gold-300);background:#fff;color:var(--navy-900);transition:background .2s,border-color .2s,color .2s,transform .2s}
.slot:not(.sel) .t:hover{background:#f1e9d8;transform:translateY(-2px)}
.slot.sel .t{background:var(--navy-700);border-color:var(--navy-700);color:#fff}
.slot .go{overflow:hidden;padding:13px 0;border:0;background:linear-gradient(180deg,#c9ab76,var(--sun));color:var(--ink);box-shadow:0 4px 0 var(--sun-dark);opacity:0;visibility:hidden;transition:opacity .25s,visibility 0s .4s,transform .15s}
.slot.sel .go{opacity:1;visibility:visible;transition:opacity .35s .1s,visibility 0s}
.slot.sel .go:hover{transform:translateY(-2px)}

/* ticket */
.ticket{position:relative;overflow:hidden;display:flex;align-items:center;gap:20px;margin:0 0 30px;padding:18px 22px;border-radius:22px;color:#fff;background:linear-gradient(150deg,var(--navy-600),var(--navy-900));box-shadow:0 2px 4px rgba(0,25,42,.1),0 22px 36px -24px rgba(0,25,42,.7)}
.ticket::after{content:"";position:absolute;right:-50px;top:-70px;width:200px;aspect-ratio:1.1547;clip-path:polygon(25% 0,75% 0,100% 50%,75% 100%,25% 100%,0 50%);background:linear-gradient(145deg,rgba(178,148,97,.3),transparent);pointer-events:none}
.ticket>*{position:relative;z-index:1}
.tile{flex:none;width:68px;padding:8px 0;border-radius:16px;display:grid;justify-items:center;line-height:1.1;background:linear-gradient(145deg,#e6cb8b,var(--sun));color:var(--ink);box-shadow:0 5px 0 var(--sun-dark)}
.tile span{font-size:.72rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase}
.tile strong{font-size:1.7rem;font-weight:600}
.tk-main{display:grid;gap:2px;min-width:0}
.tk-main strong{font-size:1.1rem;font-weight:500}
.tk-main span{color:#e9e4d9;font-size:.95rem}
.tk-main em{font-style:normal;color:var(--gold-300);font-size:.85rem}
.tk-change{margin-left:auto;flex:none;padding:8px 16px;border:2px solid rgba(217,199,161,.5);border-radius:999px;background:transparent;color:#fff;font-weight:600;font-size:.9rem;cursor:pointer;transition:background .2s,color .2s}
.tk-change:hover{background:var(--gold-300);color:var(--ink)}

/* form */
.form-grid{display:grid;gap:24px}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.field{display:grid;gap:8px;border:0;margin:0;padding:0;min-width:0}
.field>label,.field>legend{font-weight:600;font-size:.95rem;color:var(--navy-900);padding:0}
.opt{font-weight:400;color:var(--ink-soft)}
.field input[type=text],.field input[type=email],.field textarea{width:100%;padding:14px 22px;border-radius:999px;border:2px solid var(--gold-300);font:inherit;background:#fff;color:var(--ink);transition:border-color .2s,background .2s}
.field textarea{border-radius:22px;resize:vertical;min-height:112px}
.field input:hover,.field textarea:hover{border-color:var(--sun)}
.field input:focus,.field textarea:focus{border-color:var(--navy-700)}
.err{margin:0;font-size:.88rem;font-weight:500;color:#9a4a3c}
.err:empty{display:none}
.field.bad input{border-color:#9a4a3c;background:#fbf4f2}
.err:not(:empty){animation:rise .4s cubic-bezier(.2,.8,.2,1)}
.topic-list{display:flex;flex-wrap:wrap;gap:10px}
.topic{position:relative}
.topic input{position:absolute;opacity:0;inset:0;width:100%;height:100%;margin:0;cursor:pointer}
.topic span{display:inline-flex;align-items:center;padding:9px 18px;border-radius:999px;border:2px solid var(--cream-200);background:var(--cream-50);font-weight:600;font-size:.94rem;color:var(--ink-soft);transition:background .2s,border-color .2s,color .2s,transform .25s cubic-bezier(.3,1.6,.5,1)}
.topic span::before{content:"✓";width:0;overflow:hidden;opacity:0;font-size:.82rem;transition:width .25s,opacity .25s,margin .25s}
.topic:hover span{border-color:var(--gold-300);transform:translateY(-2px)}
.topic input:checked+span{background:var(--navy-700);border-color:var(--navy-700);color:#fff}
.topic input:checked+span::before{width:1em;margin-right:6px;opacity:1}
.topic input:focus-visible+span{outline:3px solid var(--sun-dark);outline-offset:3px}
.check{display:flex;gap:12px;align-items:flex-start;padding:14px 18px;border-radius:16px;background:var(--cream-50);cursor:pointer;color:var(--ink-soft);font-size:.95rem;transition:background .2s}
.check:hover{background:var(--cream-100)}
.check input{flex:none;width:20px;height:20px;margin:2px 0 0;accent-color:var(--navy-700)}
.field.bad .check{background:#fbf4f2;box-shadow:inset 0 0 0 2px #9a4a3c}
.form-err{margin:18px 0 0;padding:12px 16px;border-radius:14px;background:#fbf4f2;border-left:5px solid #9a4a3c;font-weight:500}
.actions{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:14px;margin-top:30px}
.actions .fine{margin:0 auto 0 4px;color:var(--ink-soft);font-size:.88rem}
.shake{animation:shake .45s}
@keyframes shake{20%{transform:translateX(-7px)}40%{transform:translateX(6px)}60%{transform:translateX(-4px)}80%{transform:translateX(2px)}}

/* booked */
.done{text-align:center}
.done .intro{margin-left:auto;margin-right:auto}
.done .ticket{text-align:left;max-width:520px;margin:0 auto 26px}
.tick-wrap{position:relative;width:112px;height:112px;margin:0 auto 24px}
.tick{position:relative;z-index:1;width:100%;height:100%;border-radius:50%;display:grid;place-items:center;background:radial-gradient(circle at 32% 26%,#fff6d6,#ecca72 42%,var(--sun) 100%);box-shadow:inset 0 0 0 6px #d9b86e,inset 0 0 0 9px rgba(122,95,44,.35),0 22px 30px -14px rgba(0,25,42,.5);animation:tickpop .8s cubic-bezier(.2,1.1,.3,1.2) both}
.tick svg{width:56%;height:56%;fill:none;stroke:#5c4515;stroke-width:3.2;stroke-linecap:round;stroke-linejoin:round}
.tick path{stroke-dasharray:1;stroke-dashoffset:1;animation:draw .6s ease-out .55s forwards}
@keyframes tickpop{from{opacity:0;transform:scale(.3) rotate(-30deg)}to{opacity:1;transform:none}}
@keyframes draw{to{stroke-dashoffset:0}}
.burst{position:absolute;left:50%;top:50%;width:0;height:0;pointer-events:none;z-index:2}
.bit{position:absolute;left:-10px;top:-10px;width:20px;height:20px;border-radius:50%;display:grid;place-items:center;font-size:.62rem;font-weight:600;color:#7a5f2c;background:radial-gradient(circle at 32% 26%,#fff6d6,#ecca72 45%,var(--sun));box-shadow:inset 0 0 0 2px #d9b86e}
.done .ticks{max-width:520px;margin:0 auto 28px;text-align:left}
.done .actions{justify-content:center;margin-top:0}
.resched{margin:22px 0 0;color:var(--ink-soft);font-size:.95rem}
.link{border:0;background:none;padding:0;font:inherit;font-weight:600;color:var(--navy-900);text-decoration:underline;text-underline-offset:3px;cursor:pointer}
.link:hover{color:var(--sun-dark)}

/* side card */
.book-side{text-align:left;padding:34px 28px}
.book-side .avatar{width:104px;height:104px;margin:0 0 18px}
.book-side h2{font-size:1.5rem;margin-bottom:.2em}
.book-side .lede{margin:0 0 20px;color:var(--gold-300);font-weight:500}
.book-side h3{font-size:.8rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-300);margin:0 0 4px}
.book-side .ticks{margin:12px 0 22px;color:#e9e4d9}
.book-side .ticks li::before{background:rgba(178,148,97,.28);color:var(--gold-300)}
.book-side .cred{margin:0;padding-top:18px;border-top:1px dashed rgba(217,199,161,.4);font-size:.9rem;color:#d9d2c4}

@media(max-width:980px){
  .book-grid{grid-template-columns:1fr}
  .book-side{position:static}
}
@media(max-width:860px){
  .book-grid{margin-top:-44px}
  .panel{padding:28px 20px 32px}
  .steps{padding:12px 12px 14px}
  .st .lbl{display:none}
  .st[aria-current=step] .lbl{display:inline}
  .st{padding-right:8px}
  .pick{grid-template-columns:1fr}
  .cal{padding-right:0}
  .slots{padding:26px 0 0;margin-top:26px;border-left:0;border-top:2px dashed var(--cream-200);min-height:0}
  .slots-empty{min-height:220px}
  .slot-list{max-height:none}
  .row2{grid-template-columns:1fr}
  .ticket{flex-wrap:wrap;padding:16px 18px;gap:14px 16px}
  .tk-change{margin-left:0}
  .actions .fine{order:3;flex-basis:100%;margin:0}
}
@media(prefers-reduced-motion:reduce){
  .slots-empty .ico,.tick,.tick path,.btn.loading::after,.shake,.err:not(:empty){animation:none!important}
  .tick path{stroke-dashoffset:0}
  .steps-track i,.slot,.slot .go,.day,.dot,.topic span{transition:none}
}

.contact-page .page-hero .hero-sub{text-wrap:balance}

@media(min-width:861px) and (max-width:1180px){.tax-page .wrap.article{grid-template-columns:200px minmax(0,1fr);gap:32px}.tax-page .article .card{padding:40px 36px 38px}.rate{padding:30px 24px 26px}}
@media(max-width:1000px){.rates{grid-template-columns:1fr}.four{grid-template-columns:1fr 1fr}.tx-swap{grid-template-columns:1fr}.tx-swap .arrow{transform:rotate(90deg);justify-self:center}}

/* ===== snapshot pdf pages (rendered off-screen, then turned into the PDF) ===== */
.snap-stage{position:fixed;left:-12000px;top:0;width:794px;pointer-events:none}
.snap-stage.show{position:static;width:794px;margin:0 auto;display:grid;gap:24px;padding:24px 0}
.snap-page{position:relative;width:794px;height:1123px;overflow:hidden;display:flex;flex-direction:column;background:var(--cream-50);color:var(--ink);font-family:Figtree,system-ui,sans-serif;font-weight:300;font-size:14px;line-height:1.5}
.snap-page *{box-sizing:border-box}
.snap-head{position:relative;flex:none;overflow:hidden;color:#fff;padding:36px 48px 92px;background:radial-gradient(50% 100% at 82% 20%,rgba(240,184,74,.2),transparent 70%),linear-gradient(165deg,var(--navy-700),var(--navy-900))}
.snap-head>*{position:relative;z-index:1}
.snap-head.slim{padding:24px 48px 52px}
.snap-top{display:flex;align-items:center;justify-content:space-between}
.snap-top img{display:block;height:44px;width:auto}
.snap-head.slim .snap-top img{height:34px}
.snap-date{font-size:11.5px;font-weight:600;letter-spacing:.09em;text-transform:uppercase;color:var(--gold-300)}
.snap-head h1{margin:30px 0 4px;font-size:38px;font-weight:300;letter-spacing:-.02em;color:#fff}
.snap-head p{margin:0;font-size:15.5px;color:#d9d2c4}
.snap-curve{position:absolute!important;left:-6%;width:112%;bottom:-1px;height:54px;background:#f8f6f3;border-radius:50% 50% 0 0 / 100% 100% 0 0}
.snap-head.slim .snap-curve{height:34px}
.snap-body{flex:1;min-height:0;overflow:hidden;padding:0 48px;display:flex;flex-direction:column;gap:18px}
.snap-body>*{flex:none}
.snap-page:not(.first) .snap-body{padding-top:6px}
.snap-page.first .snap-body{margin-top:-46px;position:relative;z-index:2}
.snap-stats{display:grid;grid-template-columns:1.35fr 1fr 1fr;gap:14px}
.snap-stat{display:grid;gap:2px;padding:16px 20px;border-radius:18px;background:#fff;border:2px solid var(--cream-200);box-shadow:none}
.snap-stat span{font-size:11px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-soft)}
.snap-stat strong{font-size:30px;font-weight:300;letter-spacing:-.02em;line-height:1.15;color:var(--navy-900)}
.snap-stat.hl{background:linear-gradient(150deg,var(--navy-600),var(--navy-900));border-color:transparent;color:#fff}
.snap-stat.hl span{color:var(--gold-300)}
.snap-stat.hl strong{color:#fff;font-size:40px}
.snap-card{background:#fff;border:2px solid var(--cream-200);border-radius:20px;padding:18px 22px 12px;box-shadow:none}
.snap-card h2,.snap-title{margin:0 0 10px;font-size:17px;font-weight:600;letter-spacing:-.005em;color:var(--navy-900)}
.snap-title{margin:6px 0 -6px}
.snap-strip{margin-bottom:8px}
.snap-strip .seg{transition:none}
.snap-cat{display:grid;grid-template-columns:150px 1fr 92px 100px;gap:14px;align-items:center;padding:7px 0;font-size:13.5px}
.snap-cat+.snap-cat{border-top:2px solid var(--cream-50)}
.snap-cat-h{font-size:10.5px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-soft);padding:2px 0 6px;border-top:0!important}
.snap-cat .n{display:flex;align-items:center;gap:9px;font-weight:600;color:var(--navy-900)}
.snap-cat .n i{width:10px;height:10px;border-radius:50%;background:var(--c);flex:none}
.snap-cat .snap-bar{height:10px;border-radius:999px;background:var(--cream-100);overflow:hidden}
.snap-cat .snap-bar b{display:block;height:100%;border-radius:999px;background:var(--c)}
.snap-cat .num,.snap-tr .num{text-align:right;font-weight:600;font-variant-numeric:tabular-nums}
.snap-page .verdict{padding:14px 18px 14px 16px;animation:none}
.snap-page .verdict h3{font-size:15px}
.snap-page .verdict p{font-size:13px;line-height:1.5}
.snap-page .verdict-emoji{font-size:26px}
.snap-table{background:#fff;border:2px solid var(--cream-200);border-radius:18px;overflow:hidden;box-shadow:none}
.snap-tr{display:grid;grid-template-columns:minmax(0,1fr) 138px 92px 104px;gap:12px;align-items:center;padding:8px 18px;font-size:13.5px}
.snap-tr+.snap-tr{border-top:2px solid var(--cream-50)}
.snap-tr .nm{display:flex;align-items:center;gap:10px;font-weight:600;color:var(--navy-900);overflow-wrap:anywhere}
.snap-tr .nm em{font-style:normal;font-size:17px;flex:none;width:24px;text-align:center}
.snap-tr .ct{display:flex;align-items:center;gap:8px;font-size:12.5px;color:var(--ink-soft)}
.snap-tr .ct i{width:8px;height:8px;border-radius:50%;background:var(--c);flex:none}
.snap-th{background:var(--cream-100);font-size:10.5px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--navy-900);padding:9px 18px}
.snap-tr.total{background:linear-gradient(150deg,var(--navy-600),var(--navy-900));color:#fff;font-weight:600;font-size:14.5px;padding:11px 18px;border-top:0}
.snap-foot{flex:none;margin:14px 48px 0;padding:14px 0 22px;border-top:2px dashed var(--cream-200);display:flex;align-items:flex-end;justify-content:space-between;font-size:12px;color:var(--ink-soft)}
.snap-foot b{display:block;font-weight:600;color:var(--navy-900);font-size:13px}
.snap-foot small{display:block;font-size:11px;opacity:.85}
.snap-foot .pg{font-weight:600;color:var(--navy-900)}
@media(prefers-reduced-motion:reduce){.snap-btn,.snap-doc,.snap-go{transition:none}.snap-btn:hover .g-arrow,.snap-btn.busy::after,.snap-btn.done .snap-go{animation:none}.snap-btn.busy::after{width:100%}}

/* ===== my dashboard page (coming soon) ===== */
.dash-page .page-hero{padding-bottom:176px}
.db-pill{display:inline-flex;align-items:center;gap:10px}
.db-dot{width:10px;height:10px;border-radius:50%;background:var(--sun);animation:db-ping 1.9s ease-out infinite}

/* sketch of the finished dashboard, rising out of the hero wave */
.db-top{position:relative;z-index:2;margin-top:-112px}
.db-window{margin:0;perspective:1400px}
.db-tilt{position:relative;transform:rotateX(var(--rx,0deg)) rotateY(var(--ry,0deg));transition:transform .25s ease-out}
.db-frame{background:#fff;border:2px solid var(--cream-100);border-radius:28px;overflow:hidden;box-shadow:0 2px 4px rgba(0,25,42,.1),0 44px 70px -32px rgba(0,25,42,.7)}
.db-bar{display:flex;align-items:center;gap:16px;padding:16px 26px;background:linear-gradient(180deg,var(--cream-100),var(--cream-50));border-bottom:2px solid var(--cream-100)}
.db-dots{display:flex;gap:7px}
.db-dots i{width:12px;height:12px;border-radius:50%;background:var(--cream-200)}
.db-dots i:nth-child(2){background:var(--gold-300)}.db-dots i:nth-child(3){background:var(--mint);opacity:.7}
.db-title{font-weight:600;color:var(--navy-900)}
.db-chip{margin-left:2px}

.db-body{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));gap:24px;padding:32px}
.db-nw{grid-column:span 7}
.db-goals{grid-column:span 5}
.db-mini{grid-column:1/-1;list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:18px}
.db-tile{background:var(--cream-50);border:2px solid var(--cream-100);border-radius:22px;padding:26px 28px;transition:transform .25s cubic-bezier(.3,1.4,.5,1),box-shadow .25s,border-color .2s}
.db-tile:hover{transform:translateY(-5px);border-color:var(--gold-300);box-shadow:0 2px 4px rgba(0,25,42,.06),0 22px 34px -22px rgba(0,25,42,.5)}
.db-lbl{display:block;font-size:.8rem;font-weight:600;letter-spacing:.07em;text-transform:uppercase;color:var(--ink-soft)}

.db-skel{display:block;border-radius:999px;background:linear-gradient(90deg,var(--cream-200) 30%,#f6f1e8 50%,var(--cream-200) 70%);background-size:220% 100%;animation:db-shimmer 1.9s linear infinite}
.db-skel-num{width:38%;height:34px;border-radius:12px;margin-top:14px}
.db-skel-m{width:72%;height:14px}
.db-skel-s{width:44%;height:10px}

.db-chart{position:relative;margin:52px 0 6px;aspect-ratio:600/200}
.db-chart svg{display:block;width:100%;height:100%;overflow:visible}
.db-gl{fill:none;stroke:var(--cream-200);stroke-width:2;stroke-dasharray:4 9}
.db-line{fill:none;stroke:var(--navy-700);stroke-width:5;stroke-linecap:round;stroke-dasharray:1;stroke-dashoffset:0}
.db-line-fut{fill:none;stroke:var(--sun-dark);stroke-width:5;stroke-linecap:round;stroke-dasharray:1 14}
.db-fut-rect{transform-box:fill-box;transform-origin:left center}
.db-pt{position:absolute;left:var(--px);top:var(--py);width:0;height:0}
.db-pt i{position:absolute;left:-9px;top:-9px;width:18px;height:18px;border-radius:50%;background:#fff;border:4px solid var(--navy-700)}
.db-pt.end i{border-color:var(--sun-dark)}
.db-pt i::after{content:"";position:absolute;inset:-4px;border-radius:50%;border:3px solid currentColor;opacity:0}
.db-pt b{position:absolute;bottom:22px;left:50%;transform:translateX(-50%);white-space:nowrap;background:#fff;border-radius:999px;padding:4px 14px;font-size:.8rem;font-weight:600;box-shadow:0 8px 14px -8px rgba(0,25,42,.45);color:var(--navy-900)}
.db-pt.end b{left:auto;right:-6px;transform:none;color:var(--sun-dark)}

.db-goal{margin-top:24px}
.db-goal-top{display:flex;align-items:center;justify-content:space-between;gap:14px;margin-bottom:10px;font-weight:600;font-size:.95rem}
.db-goal-top .db-skel-s{width:64px}
.db-track{height:16px;border-radius:999px;background:#fff;overflow:hidden;box-shadow:inset 0 2px 4px rgba(0,25,42,.08)}
.db-track i{display:block;height:100%;width:var(--w);border-radius:999px;background:linear-gradient(45deg,rgba(255,255,255,.26) 25%,transparent 25% 50%,rgba(255,255,255,.26) 50% 75%,transparent 75%) 0 0/28px 28px,linear-gradient(90deg,var(--sun-dark),var(--sun));transition:width 1.6s cubic-bezier(.3,1.1,.5,1) .5s;animation:db-stripes 1.3s linear infinite}

.db-mini .db-tile{display:grid;gap:12px;padding:22px 22px 24px;align-content:start}
.db-mini b{font-size:1rem}
.db-ic{display:grid;place-items:center;width:46px;height:46px;border-radius:15px;background:#f1e9d8;font-size:1.4rem;box-shadow:inset 0 -3px 0 rgba(0,25,42,.06);transition:transform .3s cubic-bezier(.3,1.6,.5,1)}
.db-mini li:nth-child(even) .db-ic{background:#e1e7ec}
.db-mini .db-tile:hover .db-ic{transform:scale(1.12) rotate(-8deg)}

.db-note{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:8px 20px;padding:16px 32px;background:var(--cream-50);border-top:2px dashed var(--cream-100);font-size:.9rem;color:var(--ink-soft)}
.db-note em{font-style:normal;font-weight:600;font-size:.76rem;letter-spacing:.07em;text-transform:uppercase;color:var(--sun-dark)}

.db-seal{position:absolute;z-index:3;right:-16px;top:-40px;width:108px;height:108px;transform:rotate(10deg);animation:db-seal-in .9s cubic-bezier(.2,.9,.25,1.2) .9s backwards,db-float 5.5s ease-in-out 1.8s infinite}
.db-seal i{display:grid;place-items:center;width:100%;height:100%;border-radius:50%;text-align:center;font-style:normal;font-weight:600;font-size:.92rem;line-height:1.15;color:#5c4515;background:radial-gradient(circle at 32% 26%,#fff6d6,#ecca72 42%,var(--sun) 100%);box-shadow:inset 0 0 0 5px #d9b86e,inset 0 0 0 8px rgba(122,95,44,.35),0 18px 24px -10px rgba(0,25,42,.5)}

/* hidden only until .db-on is added, so reduced motion and no-JS stay visible */
.js .db-body:not(.db-on) .db-tile{opacity:0}
.db-body.db-on .db-tile{animation:db-pop .7s cubic-bezier(.2,.8,.2,1) calc(var(--i,0)*110ms + 250ms) backwards}
.js .db-body:not(.db-on) .db-line{stroke-dashoffset:1}
.js .db-body:not(.db-on) .db-area,.js .db-body:not(.db-on) .db-pt{opacity:0}
.js .db-body:not(.db-on) .db-fut-rect{transform:scaleX(0)}
.js .db-body:not(.db-on) .db-track i{width:0}
.db-body.db-on .db-line{animation:db-draw 2s cubic-bezier(.45,.05,.3,1) .7s backwards}
.db-body.db-on .db-area{animation:db-fade 1.6s ease 1.6s backwards}
.db-body.db-on .db-fut-rect{animation:db-wipe 1.4s cubic-bezier(.5,.05,.3,1) 2.6s backwards}
.db-body.db-on .db-pt.now i,.db-body.db-on .db-pt.now b{animation:db-dotpop .5s cubic-bezier(.3,1.4,.5,1) 2.4s backwards}
.db-body.db-on .db-pt.end i,.db-body.db-on .db-pt.end b{animation:db-dotpop .5s cubic-bezier(.3,1.4,.5,1) 3.9s backwards}
.db-body.db-on .db-pt.now i::after{color:var(--navy-700);animation:db-ring 2.4s ease-out 3.2s infinite}
.db-body.db-on .db-pt.end i::after{color:var(--sun-dark);animation:db-ring 2.4s ease-out 4.6s infinite}

/* cards below: generous room */
.dash-page .db-wrap{margin-top:64px}
.dash-page .stack{gap:40px}
.dash-page .stack>.card{padding:46px 48px 48px}
.dash-page .stack .card h2{font-size:1.9rem;margin-bottom:.35em}
.dash-page .stack .db-lead{font-size:1.2rem;color:var(--ink);font-weight:400;margin:0 0 1em}
.dash-page .stack .card .eyebrow{display:block;margin-bottom:10px}
.dash-page .stack .card>.icon{margin-bottom:22px}

/* intro */
.db-intro{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:56px;align-items:start}
.dash-page .stack .db-quote{margin:1.6em 0 0;padding:20px 24px;background:var(--cream-50);border-left:5px solid var(--sun-dark);border-radius:0 18px 18px 0;color:var(--ink);font-weight:400;font-size:1.08rem}
.db-verbs{list-style:none;margin:0;padding:0;display:grid;gap:18px}
.db-verbs li{display:flex;gap:18px;align-items:center;background:var(--cream-50);border:2px solid var(--cream-100);border-radius:22px;padding:20px 22px;transition:transform .25s cubic-bezier(.3,1.4,.5,1),border-color .2s,box-shadow .25s}
.db-verbs li:hover{transform:translateX(8px);border-color:var(--gold-300);box-shadow:0 18px 30px -22px rgba(0,25,42,.5)}
.db-verbs .icon{margin:0;flex:none;width:54px;height:54px}
.db-verbs li:hover .icon{transform:scale(1.1) rotate(-8deg)}
.db-verbs b{display:block;font-size:1.1rem}
.db-verbs li span:not(.icon){color:var(--ink-soft);font-size:.95rem;line-height:1.45}
.js .db-intro:not(.db-on) .db-verbs li{opacity:0}
.db-intro.db-on .db-verbs li{animation:db-pop .7s cubic-bezier(.2,.8,.2,1) calc(var(--i,0)*140ms + 200ms) backwards}

/* what comes together */
.db-feats{list-style:none;margin:36px 0 0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:26px}
.db-feats li{display:flex}
.db-feat{position:relative;flex:1;display:flex;flex-direction:column;align-items:flex-start;gap:4px;text-decoration:none;background:var(--cream-50);border:2px solid var(--cream-100);border-radius:24px;padding:30px 28px 28px;transition:transform .25s cubic-bezier(.3,1.4,.5,1),border-color .2s,box-shadow .25s,background .2s}
a.db-feat:hover{transform:translateY(-8px) rotate(-.4deg);border-color:var(--gold-300);background:#fff;box-shadow:0 2px 4px rgba(0,25,42,.08),0 32px 46px -26px rgba(0,25,42,.55)}
a.db-feat:hover .icon{transform:scale(1.1) rotate(-6deg)}
a.db-feat:hover .more{transform:translateX(6px)}
.db-feat .icon{margin-bottom:18px}
.db-feat h3{font-size:1.25rem;margin:0 0 .25em}
.db-feat p{margin:0;color:var(--ink-soft);font-size:.97rem}
.db-feat .more{margin-top:auto;padding-top:18px;transition:transform .25s cubic-bezier(.3,1.6,.5,1)}
.db-soon,.db-state.soon{display:inline-flex;align-items:center;gap:8px;font-size:.74rem;font-weight:600;letter-spacing:.07em;text-transform:uppercase;color:var(--sun-dark);background:#f1e9d8;padding:4px 12px;border-radius:999px}
.db-soon i,.db-state.soon i{width:8px;height:8px;border-radius:50%;background:var(--sun);animation:db-ping 1.9s ease-out infinite}
.db-feat .db-soon{position:absolute;right:22px;top:26px}
.db-more{align-items:flex-start;justify-content:center;background:transparent;border:2px dashed var(--gold-300)}
.db-plus{display:grid;place-items:center;width:58px;height:58px;margin-bottom:18px;border-radius:18px;background:#fff;color:var(--sun-dark);font-size:2rem;font-weight:300;line-height:1;box-shadow:inset 0 -3px 0 rgba(0,25,42,.06),0 8px 12px -8px rgba(0,25,42,.35);transition:transform .5s cubic-bezier(.3,1.6,.5,1)}
.db-more:hover .db-plus{transform:rotate(90deg) scale(1.08)}
.js .db-all:not(.db-on) .db-feats li{opacity:0}
.db-all.db-on .db-feats li{animation:db-pop .7s cubic-bezier(.2,.8,.2,1) calc(var(--i,0)*100ms + 150ms) backwards}

/* where it fits */
.db-steps{list-style:none;margin:44px 0 0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:44px}
.db-steps li{position:relative;display:flex;flex-direction:column;align-items:flex-start}
.db-steps li:not(:last-child)::after{content:"";position:absolute;top:32px;left:88px;right:-28px;height:4px;border-radius:4px;transform-origin:left center;background:linear-gradient(90deg,var(--sun-dark),var(--sun))}
.db-steps li.live:nth-child(2)::after{background:repeating-linear-gradient(90deg,var(--sun-dark) 0 12px,transparent 12px 24px);background-size:24px 4px;animation:db-march 1.1s linear infinite}
.db-node{position:relative;display:grid;place-items:center;width:68px;height:68px;margin-bottom:22px;border-radius:50%;font-size:1.7rem}
.live .db-node{background:radial-gradient(circle at 32% 26%,#fff6d6,#ecca72 42%,var(--sun) 100%);box-shadow:inset 0 0 0 4px #d9b86e,inset 0 0 0 6px rgba(122,95,44,.35),0 14px 18px -10px rgba(0,25,42,.5)}
.next .db-node{background:#fff;border:3px dashed var(--sun-dark);box-shadow:0 14px 18px -12px rgba(0,25,42,.4)}
.next .db-node::after{content:"";position:absolute;inset:-6px;border-radius:50%;border:3px solid var(--sun);opacity:0;animation:db-ring 2.6s ease-out infinite}
.db-state{display:inline-block;margin-bottom:10px;font-size:.74rem;font-weight:600;letter-spacing:.07em;text-transform:uppercase;padding:4px 12px;border-radius:999px;background:#dfeae4;color:#2f6b57}
.db-state.soon{display:inline-flex;margin-bottom:10px}
.db-steps h3{font-size:1.35rem;margin:0 0 .25em}
.db-steps p{margin:0;color:var(--ink-soft)}
.db-steps .more{margin-top:14px}
.js .db-path:not(.db-on) .db-steps li{opacity:0}
.db-path.db-on .db-steps li{animation:db-pop .7s cubic-bezier(.2,.8,.2,1) calc(var(--i,0)*260ms + 150ms) backwards}
.db-path.db-on .db-steps li:not(:last-child)::after{animation:db-wipe .9s cubic-bezier(.5,.05,.3,1) calc(var(--i,0)*260ms + 650ms) backwards}
.db-path.db-on .db-steps li.live:nth-child(2)::after{animation:db-wipe .9s cubic-bezier(.5,.05,.3,1) 1.17s backwards,db-march 1.1s linear 2.1s infinite}

/* sign-up */
.dash-page .stack>.db-signup{padding:0;display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);overflow:hidden;border-radius:32px;scroll-margin-top:96px}
.db-su-side{position:relative;overflow:hidden;color:#fff;padding:48px 44px;background:linear-gradient(150deg,var(--navy-600),var(--navy-900))}
.db-su-side>*{position:relative;z-index:1}
.db-su-side .hexdeco{position:absolute;z-index:0;width:280px;right:-90px;top:-70px;animation:rot 80s linear infinite}
.dash-page .stack .db-su-side h2{color:#fff}
.dash-page .stack .db-su-side p{color:#e9e4d9;margin:0 0 1.2em}
.db-su-side .ticks{margin:22px 0 0;gap:14px}
.db-su-side .ticks li{color:#fff}
.db-su-main{padding:48px 48px 44px;display:grid;align-content:center}
.db-form .form-lead{margin:0!important}
.dash-page .stack .db-su-main h2{font-size:1.9rem}
.dash-page .stack .db-su-main .icon{margin-bottom:0}
.db-su-main .sent{padding:10px 0}

@keyframes db-shimmer{to{background-position:-220% 0}}
@keyframes db-pop{from{opacity:0;transform:translateY(22px) scale(.93)}60%{transform:translateY(-3px) scale(1.015)}}
@keyframes db-draw{from{stroke-dashoffset:1}}
@keyframes db-fade{from{opacity:0}}
@keyframes db-wipe{from{transform:scaleX(0)}}
@keyframes db-dotpop{from{opacity:0;transform:scale(0)}60%{transform:scale(1.3)}}
@keyframes db-ping{0%{box-shadow:0 0 0 0 rgba(178,148,97,.7)}100%{box-shadow:0 0 0 11px rgba(178,148,97,0)}}
@keyframes db-ring{0%{transform:scale(1);opacity:.75}100%{transform:scale(2.2);opacity:0}}
@keyframes db-seal-in{from{opacity:0;transform:scale(.3) rotate(-70deg)}}
@keyframes db-float{0%,100%{transform:translateY(0) rotate(10deg)}50%{transform:translateY(-10px) rotate(5deg)}}
@keyframes db-march{to{background-position:24px 0}}
@keyframes db-stripes{to{background-position:28px 0,0 0}}

@media(max-width:1000px){
  .db-mini{grid-template-columns:repeat(3,minmax(0,1fr))}
  .db-feats{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media(max-width:860px){
  .dash-page .page-hero{padding-bottom:150px}
  .db-top{margin-top:-92px}
  .db-body{padding:20px;gap:18px}
  .db-nw,.db-goals{grid-column:1/-1}
  .db-tile{padding:22px 22px}
  .db-seal{width:86px;height:86px;right:-6px;top:-34px}
  .db-seal i{font-size:.78rem}
  .db-intro{grid-template-columns:1fr;gap:36px}
  .dash-page .stack{gap:30px}
  .dash-page .stack>.card{padding:30px 24px 32px}
  .dash-page .stack .card h2{font-size:1.6rem}
  .db-steps{grid-template-columns:1fr;gap:38px;margin-top:34px}
  .db-steps li{padding-left:92px}
  .db-node{position:absolute;left:0;top:0;margin:0}
  .db-steps li:not(:last-child)::after{top:78px;bottom:-34px;left:32px;right:auto;width:4px;height:auto;transform-origin:center top;background:linear-gradient(180deg,var(--sun-dark),var(--sun))}
  .db-steps li.live:nth-child(2)::after{background:repeating-linear-gradient(180deg,var(--sun-dark) 0 12px,transparent 12px 24px);background-size:4px 24px;animation:db-marchy 1.1s linear infinite}
  .db-path.db-on .db-steps li:not(:last-child)::after{animation-name:db-wipey}
  .db-path.db-on .db-steps li.live:nth-child(2)::after{animation:db-wipey .9s cubic-bezier(.5,.05,.3,1) 1.17s backwards,db-marchy 1.1s linear 2.1s infinite}
  .dash-page .stack>.db-signup{grid-template-columns:1fr;padding:0}
  .db-su-side{padding:34px 26px}
  .db-su-main{padding:32px 24px 30px}
}
@keyframes db-wipey{from{transform:scaleY(0)}}
@keyframes db-marchy{to{background-position:0 24px}}
@media(max-width:600px){
  .db-mini{grid-template-columns:repeat(2,minmax(0,1fr))}
  .db-mini li:last-child{grid-column:1/-1}
  .db-feats{grid-template-columns:1fr}
  .db-bar{padding:14px 18px}
  .db-dots{display:none}
  .db-note{padding:14px 20px}
  .db-pt b{font-size:.72rem;padding:3px 10px}
}
@media(prefers-reduced-motion:reduce){
  .dash-page *,.dash-page *::before,.dash-page *::after{animation:none!important;transition:none!important}
  .db-tilt{transform:none}
}

/* booking: loading + error states */
.day.skel{background:linear-gradient(100deg,var(--cream-100) 30%,var(--cream-50) 50%,var(--cream-100) 70%);background-size:220% 100%;color:transparent;animation:shimmer 1.3s linear infinite}
@keyframes shimmer{to{background-position:-120% 0}}
.cal-error,.slot-note{margin:16px 0 0;padding:12px 16px;border-radius:14px;background:#fbf4f2;border-left:5px solid #9a4a3c;font-weight:500}
.cal-error{display:flex;flex-wrap:wrap;gap:10px 14px;align-items:center;justify-content:space-between}
.cal-error[hidden]{display:none}
.cal-error p{margin:0}
.slot-note{margin:0 0 14px}
.demo-note{margin:14px 0 0;padding:10px 14px;border-radius:12px;background:var(--cream-100);font-size:.88rem;color:var(--ink-soft)}
.demo-note[hidden]{display:none}
@media(prefers-reduced-motion:reduce){.day.skel{animation:none}}

/* newsletter sign-up states (shared by every footer + about page) */
.sub-msg{flex:1 1 100%;margin:14px 0 0!important;font-weight:600;font-size:.95rem;line-height:1.5;animation:rise .5s cubic-bezier(.2,.8,.2,1) backwards}
.sub-msg[hidden]{display:none}
.news .sub-msg.ok{color:#e6cb8b}
.news .sub-msg.err{color:#f4c7bd}
.signup .sub-msg.ok{color:#2f6b57}
.signup .sub-msg.err{color:#9a4a3c}
.news.done .fields,.news.done small,.signup.done input,.signup.done button{display:none}
.news.done .sub-msg.ok{margin-top:6px!important;padding-left:30px;position:relative}
.news.done .sub-msg.ok::before,.signup.done .sub-msg.ok::before{content:"✓";position:absolute;left:0;top:1px;width:22px;height:22px;border-radius:50%;background:#dfeae4;color:#2f6b57;font-size:.8rem;display:grid;place-items:center;animation:tickPop .5s cubic-bezier(.3,1.8,.5,1) .2s backwards}
.signup.done .sub-msg.ok{position:relative;padding-left:30px;margin-top:0!important}
.news button:disabled,.signup button:disabled{cursor:progress;opacity:.75;transform:none}
@media(prefers-reduced-motion:reduce){.sub-msg,.news.done .sub-msg.ok::before,.signup.done .sub-msg.ok::before{animation:none!important}}

/* keep the header button readable when its own page is the current page */
nav a.cta[aria-current="page"]{background:var(--navy-900);color:#fff}

/* header: collapse the menu before the longer nav can overflow, and keep the
   social icons inside the page container */
.bar>.social{flex:none}
@media(min-width:1211px){header .wrap{max-width:1240px}}
@media(max-width:1210px){.bar>.social{display:none}}
@media(max-width:1060px){
  .menu-btn{display:block}
  nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--cream-50);padding:12px 20px 20px;border-bottom:2px solid var(--cream-100)}
  nav.open{display:block}
  nav ul{flex-direction:column;align-items:stretch}
  nav a{display:block}
  nav .sub{display:flex;position:static;border:0;box-shadow:none;padding:0 0 0 14px;background:transparent;min-width:0}
  nav li.dd>a::after{content:""}
}

/* homepage: two-card "Start here!" and the "Free resources" block */
.g2{grid-template-columns:repeat(2,1fr);max-width:760px}
@media(max-width:860px){.g2{grid-template-columns:1fr}}

/* homepage: Free resources sits in its own clearly separated block */
.free-block{margin-top:96px;padding-top:60px;border-top:2px dashed var(--cream-200);scroll-margin-top:96px}
.free-block .sec-head{margin-bottom:32px}
.free-block .sec-head h2{margin:0 0 .15em}
@media(max-width:860px){.free-block{margin-top:64px;padding-top:44px}}

/* homepage free resources: four roomy cards */
.free-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:26px}
.free-card{position:relative;overflow:hidden;display:flex;flex-direction:column;gap:14px;padding:34px 32px 28px;background:var(--cream-50)}
.free-card::before{content:"";position:absolute;left:0;right:0;top:0;height:6px;background:linear-gradient(90deg,var(--navy-600),var(--navy-900));transform-origin:left;transition:transform .5s cubic-bezier(.2,.8,.2,1)}
.free-card:nth-child(n+3)::before{background:linear-gradient(90deg,#e6cb8b,var(--sun))}
a.free-card:hover::before{transform:scaleX(.6)}
.free-top{display:flex;align-items:center;justify-content:space-between;gap:12px}
.free-card .icon{width:66px;height:66px;margin:0;font-size:2rem;border-radius:20px}
.free-kind{font-size:.76rem;font-weight:600;letter-spacing:.09em;text-transform:uppercase;padding:5px 14px;border-radius:999px;background:#fff;border:2px solid var(--cream-100);color:var(--navy-900)}
.free-card h3{font-size:1.35rem;margin:8px 0 0}
.free-card p{margin:0;color:var(--ink-soft)}
.free-card .more{margin-top:auto;padding-top:10px;transition:transform .25s cubic-bezier(.3,1.6,.5,1)}
a.free-card:hover .more{transform:translateX(6px)}
@media(max-width:860px){.free-grid{grid-template-columns:1fr;gap:20px}.free-card{padding:28px 22px 24px}}
@media(prefers-reduced-motion:reduce){.free-card::before,.free-card .more{transition:none}}

/* ===== free resources page ===== */
.res-wrap{position:relative;z-index:2;margin-top:-56px}
.stack.res-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:30px;align-items:stretch}
.res{position:relative;overflow:hidden;display:flex;flex-direction:column;gap:26px;padding:42px 38px 36px;transition:transform .3s cubic-bezier(.2,.8,.2,1),box-shadow .3s,border-color .3s}
.res:hover{transform:translateY(-8px);border-color:var(--gold-300);box-shadow:0 2px 4px rgba(0,25,42,.08),0 32px 50px -24px rgba(0,25,42,.55)}
.res::before{content:"";position:absolute;left:0;right:0;top:0;height:7px;transform-origin:left}
.res[data-kind="tool"]::before{background:linear-gradient(90deg,var(--navy-600),var(--navy-900))}
.res[data-kind="guide"]::before{background:linear-gradient(90deg,#e6cb8b,var(--sun))}
.res-top{display:flex;align-items:center;justify-content:space-between;gap:12px}
.res .icon{width:72px;height:72px;margin:0;font-size:2.2rem;border-radius:22px}
.res:hover .icon{transform:scale(1.1) rotate(-6deg)}
.res-type{font-size:.78rem;font-weight:600;letter-spacing:.09em;text-transform:uppercase;padding:6px 15px;border-radius:999px;background:var(--cream-100);color:var(--navy-900)}
.res[data-kind="tool"] .res-type{background:var(--navy-700);color:#fff}
.res-body h2{font-size:1.7rem;margin:0 0 .55em}
.res-body p{margin:0 0 1em;color:var(--ink-soft)}
.res-body p:last-child{margin-bottom:0}
.res-btn{align-self:flex-start;margin-top:auto;display:inline-flex;align-items:center;gap:12px;padding:15px 30px}
.res-btn i{font-style:normal;transition:transform .25s cubic-bezier(.3,1.6,.5,1)}
.res-btn:hover i{transform:translateX(6px)}
.res-btn[target] i{transition:transform .25s cubic-bezier(.3,1.6,.5,1)}
.res-btn[target]:hover i{transform:translate(4px,-4px)}

/* staggered entrance (JS adds .go as each card scrolls into view) */
.js .res.reveal:nth-child(even){transition-delay:.12s}
.js .res:not(.go) .icon{transform:scale(0) rotate(-20deg)}
.js .res.go .icon{animation:pip .65s cubic-bezier(.3,1.5,.5,1) backwards .15s}
.js .res:not(.go) :is(.res-type,.res-body>*,.res-btn){opacity:0;transform:translateY(16px)}
.js .res.go :is(.res-type,.res-body>*,.res-btn){animation:rise .75s cubic-bezier(.2,.8,.2,1) backwards;animation-delay:calc(var(--k,0)*100ms + 250ms)}
.js .res.go::before{animation:growx 1s cubic-bezier(.2,.8,.2,1) backwards}
.res-body>:nth-child(1){--k:1}.res-body>:nth-child(2){--k:2}.res-body>:nth-child(3){--k:3}
.res-btn{--k:4}

@media(max-width:860px){
  .res-wrap{margin-top:-44px}
  .stack.res-grid{grid-template-columns:1fr;gap:22px}
  .res{padding:34px 24px 28px}
  .res-body h2{font-size:1.45rem}
  .res-btn{align-self:stretch;justify-content:center;padding:15px 22px}
}
@media(prefers-reduced-motion:reduce){
  .js .res:not(.go) :is(.icon,.res-type,.res-body>*,.res-btn){opacity:1;transform:none}
  .js .res.go :is(.icon,.res-type,.res-body>*,.res-btn),.js .res.go::before{animation:none}
  .res,.res-btn i{transition:none}
}
.learn .all-link{margin:32px 0 0}
.res-wrap+.back{padding-top:44px}

/* ===== 3-step money guide ===== */
.print-only{display:none}
.gd-quote{display:grid;gap:20px}
.gd-quote .icon{margin:0}
.gd-quote blockquote{margin:0;padding:4px 0 4px 24px;border-left:5px solid var(--sun);font-size:1.4rem;font-weight:300;line-height:1.5;color:var(--navy-900)}
.gd-private{margin:0!important;display:flex;gap:10px;align-items:flex-start;font-size:.95rem;color:var(--ink-soft)!important}
.gd-actions{display:flex;flex-wrap:wrap;gap:12px 20px;align-items:center}
.gd-actions small{color:var(--ink-soft);font-size:.88rem;flex:1 1 240px}
.gd-print{display:inline-flex;align-items:center;gap:10px}
.gd-head{display:flex;gap:18px;align-items:center}
.gd-head .icon{margin:0;width:68px;height:68px;font-size:2rem;border-radius:22px}
.gd-head h2{margin:0;font-size:1.75rem}
.gd-step{display:block;font-size:.8rem;font-weight:600;letter-spacing:.09em;text-transform:uppercase;color:var(--sun-dark)}
.stack .gd{padding:38px 38px 34px}
.stack .gd h3{font-size:1.1rem;margin:30px 0 16px;color:var(--navy-900)}

.gd-rows{display:grid;gap:14px}
.gd-row{display:grid;grid-template-columns:minmax(0,1fr) 200px;gap:18px;align-items:center;padding:14px 18px;border-radius:20px;background:var(--cream-50);border:2px solid var(--cream-100);transition:border-color .25s,background .25s,box-shadow .25s}
.gd-row:hover{border-color:var(--gold-300)}
.gd-row.filled{background:#fff;border-color:var(--gold-300)}
.gd-row label{display:flex;gap:14px;align-items:center;font-weight:500;cursor:pointer}
.gd-emo{flex:none;width:36px;text-align:center;font-size:1.45rem}
.gd-in{display:flex;align-items:center;gap:6px;padding:11px 20px;border-radius:999px;background:#fff;border:2px solid var(--cream-200);transition:border-color .2s,box-shadow .25s}
.gd-in:focus-within{border-color:var(--sun);box-shadow:0 0 0 5px rgba(178,148,97,.22)}
.gd-in i{font-style:normal;font-weight:600;color:var(--ink-soft)}
.gd-in input{flex:1;min-width:0;width:100%;border:0;background:transparent;font:600 1.1rem Figtree,sans-serif;color:var(--ink);text-align:right;padding:2px 0;outline:0}
.gd-in input::placeholder{color:#b3bbc3}

.gd-total{display:flex;justify-content:space-between;align-items:center;gap:16px;margin-top:22px;padding:20px 26px;border-radius:20px;background:linear-gradient(150deg,var(--navy-600),var(--navy-900));color:#fff;font-weight:600;box-shadow:0 2px 4px rgba(0,25,42,.1),0 22px 34px -24px rgba(0,25,42,.7)}
.gd-total output{font-size:1.9rem;font-weight:400;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.gd-result{margin-top:16px;padding:22px 26px;border-radius:20px;background:var(--cream-100);display:grid;gap:2px;transition:background .4s,color .4s}
.gd-result-label{font-weight:600;font-size:.92rem}
.gd-result output{font-size:2.7rem;font-weight:300;line-height:1.15;letter-spacing:-.03em;font-variant-numeric:tabular-nums}
.gd-result small{font-size:.88rem;color:var(--ink-soft)}
.gd-result[data-state="surplus"]{background:#dfeae4;color:#1f5642}
.gd-result[data-state="surplus"] small{color:#2f6b57}
.gd-result[data-state="deficit"]{background:#f1e0dc;color:#9a4a3c}
.gd-result[data-state="deficit"] small{color:#9a4a3c}
.gd-bump{animation:gdbump .5s cubic-bezier(.3,1.6,.5,1)}
@keyframes gdbump{40%{transform:scale(1.025)}}
.gd-spend{margin-top:16px;display:grid;gap:8px;font-weight:600;font-size:.92rem}
.gd-spend[hidden]{display:none}
.gd-spend .track{height:12px;background:rgba(255,255,255,.8)}
.gd-spend .track i{width:0;transition:width .5s cubic-bezier(.2,.8,.2,1);background:linear-gradient(90deg,var(--navy-600),var(--navy-700))}
.gd-result[data-state="deficit"] .gd-spend .track i{background:#cf9a8f}

.gd-hint{margin:-8px 0 16px!important;font-size:.92rem;color:var(--ink-soft)}
.gd-goals{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.gd-goal{display:grid;gap:8px;align-content:start}
.gd-goal label{position:relative;display:flex;gap:14px;align-items:center;min-height:78px;padding:16px 18px;border-radius:20px;background:var(--cream-50);border:2px solid var(--cream-100);cursor:pointer;font-weight:500;line-height:1.4;transition:transform .25s cubic-bezier(.3,1.6,.5,1),border-color .2s,background .2s,box-shadow .25s}
.gd-goal label:hover{transform:translateY(-3px);border-color:var(--gold-300);background:#fff}
.gd-goal input{position:absolute;inset:0;width:100%;height:100%;margin:0;opacity:0;cursor:pointer}
.gd-goal label:has(input:focus-visible){outline:3px solid var(--sun-dark);outline-offset:3px}
.gd-goal label:has(input:checked){background:#fff;border-color:var(--sun);box-shadow:0 0 0 4px rgba(178,148,97,.2)}
.gd-check{margin-left:auto;flex:none;width:30px;height:30px;border-radius:50%;border:2px solid var(--cream-200);background:#fff;display:grid;place-items:center;font-style:normal;font-size:.9rem;font-weight:600;color:transparent;transition:transform .35s cubic-bezier(.3,1.8,.5,1),background .2s,border-color .2s,color .2s}
.gd-goal input:checked~.gd-check{background:var(--navy-700);border-color:var(--navy-700);color:#fff;transform:scale(1.12)}
.gd-goal a{padding-left:20px;font-weight:600;font-size:.92rem;color:var(--navy-900);text-decoration:none}
.gd-goal a:hover{text-decoration:underline}

.gd-next{margin-top:30px;padding-top:22px;border-top:2px dashed var(--cream-100);gap:14px}
.gd-next a{color:var(--navy-900);font-weight:600}

/* staggered entrance (JS adds .go as each card scrolls into view) */
.js .gd:not(.go) :is(.gd-head,.gd-hint,.gd-row,.gd-goal,.gd-total,.gd-result,.gd-next li,h3){opacity:0;transform:translateY(22px)}
.js .gd.go :is(.gd-head,.gd-hint,.gd-row,.gd-goal,.gd-total,.gd-result,.gd-next li,h3){animation:rise .7s cubic-bezier(.2,.8,.2,1) backwards;animation-delay:calc(var(--k,0)*70ms + 120ms)}
.js .gd-quote:not(.go) blockquote{opacity:0;transform:translateX(-18px)}
.js .gd-quote.go blockquote{animation:rise .8s cubic-bezier(.2,.8,.2,1) backwards .2s}
.gd-head{--k:0}h3{--k:1}
.gd-rows>:nth-child(1),.gd-goals>:nth-child(1){--k:2}.gd-rows>:nth-child(2),.gd-goals>:nth-child(2){--k:3}.gd-rows>:nth-child(3),.gd-goals>:nth-child(3){--k:4}
.gd-rows>:nth-child(4),.gd-goals>:nth-child(4){--k:5}.gd-rows>:nth-child(5),.gd-goals>:nth-child(5){--k:6}.gd-rows>:nth-child(6),.gd-goals>:nth-child(6){--k:7}
.gd-hint{--k:1}.gd-total{--k:8}.gd-result{--k:9}.gd-next li:nth-child(1){--k:8}.gd-next li:nth-child(2){--k:9}

@container card (max-width:560px){
  .gd-row{grid-template-columns:1fr;gap:10px}
  .gd-goals{grid-template-columns:1fr}
}
@media(max-width:860px){
  .stack .gd{padding:28px 20px 26px}
  .gd-head h2{font-size:1.45rem}
  .gd-head .icon{width:56px;height:56px;font-size:1.6rem}
  .gd-result output{font-size:2.3rem}
}
@media(prefers-reduced-motion:reduce){
  .js .gd:not(.go) :is(.gd-head,.gd-hint,.gd-row,.gd-goal,.gd-total,.gd-result,.gd-next li,h3),.js .gd-quote:not(.go) blockquote{opacity:1;transform:none}
  .js .gd.go :is(.gd-head,.gd-hint,.gd-row,.gd-goal,.gd-total,.gd-result,.gd-next li,h3),.js .gd-quote.go blockquote,.gd-bump{animation:none}
  .gd-row,.gd-in,.gd-goal label,.gd-check,.gd-spend .track i,.gd-result{transition:none}
}

/* ===== print: a clean, branded worksheet ===== */
@media print{
  @page{margin:15mm 14mm 20mm}
  *{animation:none!important;transition:none!important}
  html,body{background:#fff!important}
  body{font-size:11pt;color:#000}
  header,footer,.consent,.skip,.toc,.back,.menu-btn,.gd-actions,.gd-private,
  .page-hero .wave,.page-hero .hexdeco,.page-hero .coin,.page-hero .pill{display:none!important}
  .print-only{display:block}
  .print-brand{display:flex;justify-content:space-between;align-items:center;gap:20px;padding-bottom:10px;margin-bottom:16px;border-bottom:3px solid #b29461;-webkit-print-color-adjust:exact;print-color-adjust:exact}
  .print-brand img{height:15mm;width:auto}
  .print-brand span{font-size:9.5pt;line-height:1.4;color:#42515f;text-align:right}
  .print-foot{position:fixed;left:0;right:0;bottom:0;text-align:center;font-size:8.5pt;color:#42515f;border-top:1px solid #d9c7a1;padding-top:6px}
  .page-hero{background:#fff!important;color:#00192a!important;padding:0 0 6px!important;text-align:left!important;overflow:visible}
  .page-hero::before{display:none}
  .page-hero h1{color:#00192a!important;font-size:21pt;line-height:1.25;text-shadow:none;margin:0 0 4px}
  .page-hero .hero-sub{color:#42515f!important;margin:0 0 14px;font-size:11pt;max-width:none}
  .article,.stack{display:block!important;margin:0!important;padding:0!important}
  .stack>.card{box-shadow:none!important;border:1.5px solid #cfc7b6!important;border-radius:12px!important;padding:14px 16px!important;margin:0 0 12px!important;background:#fff!important;opacity:1!important;transform:none!important;break-inside:avoid;page-break-inside:avoid}
  .js .rise,.js .reveal,.js .gd:not(.go) *,.js .gd-quote:not(.go) *{opacity:1!important;transform:none!important}
  .gd-in input::placeholder{color:transparent}
  .gd-quote{border-left:5px solid #b29461!important}
  .gd-quote .icon{display:none}
  .gd-quote blockquote{font-size:12pt;padding:0;border:0}
  .icon{box-shadow:none!important;background:#fff!important;border:1px solid #cfc7b6;width:36px!important;height:36px!important;font-size:1.1rem!important;border-radius:10px!important}
  .gd-head{gap:10px}.gd-head h2{font-size:15pt}
  .stack .gd h3{margin:12px 0 8px;font-size:11.5pt}
  .gd-rows{gap:0}
  .gd-row{display:grid;grid-template-columns:1fr 150px;background:#fff!important;border:0!important;border-bottom:1px solid #d6d6d6!important;border-radius:0!important;padding:7px 0!important}
  .gd-emo{font-size:12pt;width:26px}
  .gd-in{border:0!important;border-bottom:1.5px solid #333!important;border-radius:0!important;box-shadow:none!important;padding:2px 2px!important;background:#fff!important}
  .gd-in input{font-size:11.5pt}
  .gd-total,.gd-result{background:#fff!important;color:#000!important;border:2px solid #00192a!important;border-radius:10px!important;box-shadow:none!important;padding:10px 14px!important;margin-top:10px}
  .gd-total output{font-size:15pt;color:#000}
  .gd-result output{font-size:17pt;color:#000}
  .gd-result small,.gd-result-label{color:#42515f!important}
  .gd-spend .track{border:1px solid #888;background:#fff;-webkit-print-color-adjust:exact;print-color-adjust:exact}
  .gd-spend .track i{background:#00192a!important;-webkit-print-color-adjust:exact;print-color-adjust:exact}
  .gd-goals{grid-template-columns:1fr 1fr;gap:8px}
  .gd-goal label{min-height:0;padding:8px 10px;background:#fff!important;border:1.5px solid #888!important;box-shadow:none!important;border-radius:10px}
  .gd-check{width:20px;height:20px;border:1.5px solid #333!important;background:#fff!important;color:transparent!important;transform:none!important}
  .gd-goal input:checked~.gd-check{color:#000!important}
  .gd-hint{display:none}
  .gd-next{margin-top:12px;padding-top:10px;gap:6px;font-size:10.5pt}
  a{color:#00192a!important;text-decoration:none}
}

/* ===== 30-day checklist ===== */
.ck-tool .leak-col{gap:30px}

/* goal */
.ck-goal{display:grid;grid-template-columns:auto minmax(0,1fr);gap:20px 24px;align-items:center;padding:30px 32px 32px;background:#fff;border:2px solid var(--cream-100);border-radius:28px;box-shadow:0 1px 2px rgba(0,25,42,.06),0 18px 36px -22px rgba(0,25,42,.42)}
.ck-goal-ico{width:68px;height:68px;border-radius:22px;display:grid;place-items:center;font-size:2rem;background:#f1e9d8;box-shadow:inset 0 -3px 0 rgba(0,25,42,.06),0 8px 12px -8px rgba(0,25,42,.4);transition:transform .45s cubic-bezier(.3,1.6,.5,1)}
.ck-goal:focus-within .ck-goal-ico{transform:scale(1.1) rotate(-8deg)}
.ck-goal h2{margin:0 0 .2em;font-size:1.35rem;font-weight:500}
.ck-goal p{margin:0;color:var(--ink-soft);font-size:.96rem}
.ck-field{position:relative;grid-column:1/-1}
.ck-field input{width:100%;padding:17px 62px 17px 26px;border-radius:999px;border:2px solid var(--cream-200);background:var(--cream-50);font:500 1.05rem Figtree,sans-serif;color:var(--ink);transition:border-color .25s,background .25s,box-shadow .25s}
.ck-field input::placeholder{color:#a3acb5;font-weight:400}
.ck-field input:hover{border-color:var(--gold-300)}
.ck-field input:focus{outline:none;border-color:var(--navy-700);background:#fff;box-shadow:0 0 0 4px rgba(13,53,86,.12)}
.ck-saved{position:absolute;right:12px;top:50%;width:36px;height:36px;margin-top:-18px;border-radius:50%;display:grid;place-items:center;background:#2f6b57;color:#fff;font-size:1rem;font-weight:600;opacity:0;transform:scale(.4) rotate(-30deg);transition:opacity .25s,transform .45s cubic-bezier(.3,1.7,.5,1);pointer-events:none}
.ck-field.has .ck-saved{opacity:1;transform:none}

/* weeks */
.ck-groups{display:grid;gap:48px}
.ck-group{display:grid;gap:22px;padding:0}
.ck-group[hidden]{display:none}
.ck-head{display:flex;align-items:center;flex-wrap:wrap;gap:6px 14px;margin:0 6px}
.ck-head h2{margin:0;font-size:1.35rem;font-weight:500}
.ck-dot{width:12px;height:12px;border-radius:50%;background:var(--c);box-shadow:0 0 0 4px color-mix(in srgb,var(--c) 22%,transparent)}
.ck-theme{color:var(--ink-soft);font-size:.96rem}
.ck-sub{margin-left:auto;display:flex;align-items:center;gap:12px;font-weight:600;font-size:.92rem;color:var(--navy-900)}
.ck-prog{font-variant-numeric:tabular-nums}
.ck-sub:has(.ck-prog:empty){display:none}
.ck-full{padding:5px 13px;border-radius:999px;background:#e6efe9;color:#2f6b57;font-size:.76rem;font-weight:600;letter-spacing:.07em;text-transform:uppercase;opacity:0;transform:scale(.6);transform-origin:right center;transition:opacity .3s,transform .5s cubic-bezier(.3,1.7,.5,1)}
.ck-group.full .ck-full{opacity:1;transform:none}
.ck-head.enter{animation:rise .6s cubic-bezier(.2,.8,.2,1) both;animation-delay:calc(var(--i,0)*55ms)}
.ck-rows{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:22px}

/* day cards */
.ck-card{--c:var(--navy-700);position:relative;display:flex;background:#fff;border:2px solid var(--cream-100);border-radius:26px;box-shadow:0 1px 2px rgba(0,25,42,.05),0 14px 28px -22px rgba(0,25,42,.4);transition:transform .3s cubic-bezier(.3,1.4,.5,1),border-color .3s,background .35s,box-shadow .3s}
.ck-card:hover{transform:translateY(-4px);box-shadow:0 2px 4px rgba(0,25,42,.07),0 24px 36px -22px rgba(0,25,42,.5)}
.ck-card.on{border-color:var(--gold-300);background:linear-gradient(180deg,#fff,#fcf8ef)}
.ck-card.next{border-color:var(--sun);animation:ckGlow 2.8s ease-in-out infinite}
.ck-card.pop{animation:ckPop .55s cubic-bezier(.3,1.6,.5,1)}
.js .ck-card.wait{opacity:0}
.ck-card.enter{animation:rise .6s cubic-bezier(.2,.8,.2,1) both;animation-delay:calc(var(--i,0)*55ms)}
@keyframes ckGlow{50%{box-shadow:0 0 0 8px rgba(178,148,97,.2),0 14px 28px -22px rgba(0,25,42,.4)}}
@keyframes ckPop{40%{transform:scale(1.035)}}
.ck-pick{flex:1;display:grid;grid-template-rows:auto 1fr auto;gap:20px;min-width:0;padding:24px 24px 22px;border-radius:24px;cursor:pointer}
.ck-pick:has(.lk-sr:focus-visible){outline:3px solid var(--sun-dark);outline-offset:3px}
.ck-top{display:flex;align-items:center;gap:16px}
.ck-ico{flex:none;width:56px;height:56px;border-radius:19px;display:grid;place-items:center;font-size:1.7rem;background:color-mix(in srgb,var(--c) 13%,#fff);box-shadow:inset 0 -3px 0 rgba(0,25,42,.06)}
.ck-card.on .ck-ico{animation:ico .55s cubic-bezier(.3,1.6,.5,1)}
.ck-day{display:grid;gap:5px;line-height:1}
.ck-day small{font-size:.72rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-soft)}
.ck-day b{font-size:2rem;font-weight:300;letter-spacing:-.03em;color:var(--navy-900);font-variant-numeric:tabular-nums}
.ck-tick{position:relative;flex:none;margin-left:auto;width:42px;height:42px;border-radius:50%;border:2px solid var(--cream-200);background:#fff;display:grid;place-items:center;transition:background .25s,border-color .25s,transform .35s cubic-bezier(.3,1.7,.5,1)}
.ck-tick svg{width:20px;height:20px;fill:none;stroke:#fff;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.ck-tick path{stroke-dasharray:16;stroke-dashoffset:16;transition:stroke-dashoffset .35s ease .08s}
.ck-pick:hover .ck-tick{border-color:var(--sun);transform:scale(1.1)}
.ck-card.on .ck-tick{background:var(--navy-700);border-color:var(--navy-700);transform:scale(1)}
.ck-card.on .ck-tick path{stroke-dashoffset:0}
.ck-spark{position:absolute;left:50%;top:50%;width:7px;height:7px;margin:-3.5px 0 0 -3.5px;border-radius:50%;background:var(--sun);pointer-events:none;animation:ckSpark .7s cubic-bezier(.2,.8,.2,1) forwards}
.ck-spark:nth-child(even){background:var(--navy-600);width:5px;height:5px}
@keyframes ckSpark{from{opacity:1;transform:rotate(var(--a)) translateY(-16px) scale(1)}to{opacity:0;transform:rotate(var(--a)) translateY(-46px) scale(.2)}}
.ck-text{font-weight:500;font-size:1.05rem;line-height:1.6;color:var(--navy-900);transition:color .3s}
.ck-text .t{background:linear-gradient(rgba(0,25,42,.4),rgba(0,25,42,.4)) no-repeat 0 60%/0% 2px;-webkit-box-decoration-break:clone;box-decoration-break:clone;transition:background-size .55s cubic-bezier(.2,.8,.2,1)}
.ck-card.on .ck-text{color:var(--ink-soft)}
.ck-card.on .ck-text .t{background-size:100% 2px}
.ck-text a{color:var(--navy-700);font-weight:600;text-decoration:underline;text-decoration-color:var(--sun);text-decoration-thickness:2px;text-underline-offset:3px}
.ck-text a:hover{color:var(--navy-900);text-decoration-color:var(--navy-700)}
.ck-foot{display:flex;align-items:center;gap:10px;min-height:30px}
.ck-next,.ck-when{opacity:0;transform:translateY(6px) scale(.94);transition:opacity .3s,transform .45s cubic-bezier(.3,1.5,.5,1)}
.ck-next{padding:5px 13px;border-radius:999px;background:var(--sun);color:var(--ink);font-size:.76rem;font-weight:600;letter-spacing:.07em;text-transform:uppercase}
.ck-when{font-size:.88rem;font-weight:600;color:#2f6b57}
.ck-card.next .ck-next,.ck-card.on .ck-when{opacity:1;transform:none}
.ck-card.on .ck-next{display:none}
.ck-card:not(.on) .ck-when{display:none}

/* summary */
.ck-sumhead{display:flex;align-items:flex-end;justify-content:space-between;gap:16px;margin-top:22px}
.ck-sumhead .lk-big{margin-top:0}
.ck-big strong b{font-weight:inherit}
.ck-big strong em{font-style:normal;font-size:.5em;font-weight:300;color:var(--gold-300);letter-spacing:0;margin-left:.15em}
.ck-ring{position:relative;flex:none;width:96px;height:96px}
.ck-ring svg{display:block;width:100%;height:100%;transform:rotate(-90deg)}
.ck-ring circle{fill:none;stroke-width:9}
.ck-ring .bg{stroke:rgba(255,255,255,.14)}
.ck-ring .fg{stroke:var(--sun);stroke-linecap:round;stroke-dasharray:251.33;stroke-dashoffset:251.33;transition:stroke-dashoffset 1s cubic-bezier(.2,.8,.2,1)}
.ck-ring>b{position:absolute;inset:0;display:grid;place-items:center;font-size:1.2rem;font-weight:500;letter-spacing:-.01em;font-variant-numeric:tabular-nums}
.ck-ring.full{animation:pop2 .6s cubic-bezier(.3,1.6,.5,1)}
.ck-ring.full .fg{stroke:#e6cb8b}
.ck-dots{display:grid;grid-template-columns:repeat(10,minmax(0,1fr));gap:6px}
.ck-d{aspect-ratio:1;border-radius:10px;display:grid;place-items:center;font-size:.74rem;font-weight:600;font-variant-numeric:tabular-nums;color:var(--ink-soft);background:var(--cream-100);transition:background .35s,color .35s,box-shadow .35s}
.ck-d.on{background:var(--navy-700);color:#fff}
.ck-d.next{background:#fbf5e6;color:var(--navy-900);box-shadow:inset 0 0 0 2px var(--sun)}
.ck-d.just{animation:pop2 .5s cubic-bezier(.3,1.6,.5,1)}
.verdict.t1{--vc:var(--sun-dark);--vb:#f5eedd}
.verdict.t2{--vc:var(--navy-600);--vb:#e6ecf1}
.verdict.t3,.verdict.t4{--vc:#2f6b57;--vb:#e6efe9}
.ck-side .sum-actions{margin-top:2px}

/* pdf pages */
.snap-tr.ck-tr{grid-template-columns:44px minmax(0,1fr) 118px;padding:5px 18px;gap:10px}
.snap-tr.ck-wk{grid-template-columns:minmax(0,1fr) auto;background:var(--cream-50);padding:7px 18px;font-size:12.5px}
.snap-tr.ck-wk .n{display:flex;align-items:center;gap:10px;font-weight:600;color:var(--navy-900)}
.snap-tr.ck-wk .n i{width:10px;height:10px;border-radius:50%;background:var(--c);flex:none}
.snap-tr.ck-wk .n span{font-weight:400;color:var(--ink-soft)}
.snap-tr.ck-wk .x{font-weight:600;color:var(--navy-900)}
.snap-tr.ck-tr .dn{font-weight:300;font-size:17px;letter-spacing:-.02em;color:var(--navy-900)}
.snap-tr.ck-tr .nm{font-weight:500;font-size:13px}
.snap-tr.ck-tr .nm em{font-size:15px;width:22px}
.snap-tr.ck-tr .ok{display:flex;align-items:center;justify-content:flex-end;gap:9px;font-size:12.5px;font-weight:600;color:#2f6b57}
.snap-tr.ck-tr .bx{flex:none;width:21px;height:21px;border-radius:50%;border:2px solid var(--cream-200);background:#fff;display:grid;place-items:center;font-size:11px;font-weight:700;color:#fff;line-height:1}
.snap-tr.ck-tr.is-on .bx{background:var(--navy-700);border-color:var(--navy-700)}
.snap-goal{display:flex;align-items:center;gap:16px;padding:14px 20px;border-radius:18px;background:#fff;border:2px solid var(--cream-200);border-left:6px solid var(--sun)}
.snap-goal em{font-style:normal;font-size:26px;line-height:1}
.snap-goal span{display:block;font-size:11px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-soft)}
.snap-goal strong{display:block;font-size:17px;font-weight:500;color:var(--navy-900);overflow-wrap:anywhere}

@media(max-width:1020px){
  .ck-tool .tool-side{position:static}
}
@media(max-width:640px){
  .ck-goal{grid-template-columns:1fr;padding:24px 22px 26px;gap:16px}
  .ck-goal-ico{width:56px;height:56px;font-size:1.7rem}
  .ck-rows{grid-template-columns:1fr}
  .ck-sub{margin-left:0;flex-basis:100%}
  .ck-ring{width:84px;height:84px}
  .ck-dots{gap:5px}
}
@media(prefers-reduced-motion:reduce){
  .ck-goal-ico,.ck-saved,.ck-full,.ck-card,.ck-tick,.ck-tick path,.ck-text,.ck-text .t,.ck-next,.ck-when,.ck-ring .fg,.ck-d{transition:none!important}
  .ck-card.enter,.ck-head.enter,.ck-card.next,.ck-card.pop,.ck-card.on .ck-ico,.ck-spark,.ck-ring.full,.ck-d.just{animation:none!important}
  .js .ck-card.wait{opacity:1}
}
@media print{
  .ck-tool{display:block!important}
  .ck-tool .tool-side,.ck-goal,.leak-tabs,.leak-float{display:none!important}
  .ck-rows{grid-template-columns:1fr 1fr!important;gap:8px!important}
  .ck-card{box-shadow:none!important;border:1.5px solid #888!important;border-radius:10px!important;break-inside:avoid;transform:none!important;animation:none!important;opacity:1!important}
  .ck-pick{padding:10px 12px!important;gap:8px!important}
  .ck-ico,.ck-next,.ck-when{display:none!important}
  .ck-tick{width:22px!important;height:22px!important;border:1.5px solid #333!important}
  .ck-card.on .ck-tick{background:#00192a!important;-webkit-print-color-adjust:exact;print-color-adjust:exact}
  .ck-group{break-inside:auto;margin-bottom:10px}
}

/* ===== 3-step guide: branded PDF export ===== */
.gd-actions.gd-snap{display:block;max-width:440px}
.gd-actions.gd-snap .snap-btn{margin-bottom:12px}
.gd-actions.gd-snap small{display:block}
.snap-tr.gs-tr{grid-template-columns:minmax(0,1fr) 150px;padding:7px 18px;gap:12px}
.snap-tr.gs-tr .nm{font-weight:500}
.snap-tr.gs-tr .nm em{font-size:16px;width:24px}
.snap-tr.gs-tr .gs-v{text-align:right;font-weight:600;font-variant-numeric:tabular-nums;color:var(--navy-900)}
.snap-tr.gs-tr .gs-v.blank{height:1px;align-self:end;margin-bottom:6px;background:var(--cream-200)}
.snap-tr.gs-goal{grid-template-columns:24px minmax(0,1fr);padding:8px 18px;gap:12px}
.snap-tr.gs-goal .bx{width:21px;height:21px;border-radius:50%;border:2px solid var(--cream-200);background:#fff;display:grid;place-items:center;font-size:11px;font-weight:700;line-height:1;color:#fff}
.snap-tr.gs-goal.is-on .bx{background:var(--navy-700);border-color:var(--navy-700)}
.snap-tr.gs-goal .nm{font-weight:500}
.snap-tr.gs-tot{background:var(--cream-50);font-weight:600;color:var(--navy-900)}
.snap-bar-note{display:grid;gap:8px;padding:14px 20px;border-radius:18px;background:#fff;border:2px solid var(--cream-200)}
.snap-bar-note .trk{height:12px;border-radius:999px;background:var(--cream-100);overflow:hidden}
.snap-bar-note .trk b{display:block;height:100%;border-radius:999px;background:var(--navy-700)}
.snap-bar-note span{font-size:13px;font-weight:600;color:var(--navy-900)}
.snap-tr.gs-note{grid-template-columns:1fr;min-height:44px}

/* ---- SEO pass: author and review line, static tool explainers, inline text links ---- */
.page-hero .page-meta{margin:16px auto 0;max-width:42em;font-size:.95rem;color:#d9d2c4}
.page-hero .page-meta a{color:var(--gold-300);font-weight:600;text-decoration:underline;text-underline-offset:3px}
.sec-head p a,.about-grid .card p a,.hero p.lead a{color:var(--navy-900);font-weight:600;text-decoration:underline;text-underline-offset:3px}
.tool-about{position:relative;z-index:2;margin-top:48px;max-width:900px}
.tool-about .card{padding:34px 38px;line-height:1.7}
.tool-about h2{font-size:1.6rem;margin:0 0 .6em}
.tool-about h3{font-size:1.15rem;margin:1.6em 0 .5em}
.tool-about p{margin:0 0 1em}
.tool-about p:last-child{margin-bottom:0}
.tool-about ul,.tool-about ol{margin:0 0 1em;padding-left:1.3em;color:var(--ink-soft)}
.tool-about a{color:var(--navy-900);font-weight:600;text-decoration:underline;text-underline-offset:3px}
#how-overpayments-work{line-height:1.7}
#how-overpayments-work h3{font-size:1.15rem;margin:1.6em 0 .5em}
#how-overpayments-work p{margin:0 0 1em}
#how-overpayments-work p:last-child{margin-bottom:0}
#how-overpayments-work ul{margin:0 0 1em;padding-left:1.3em;color:var(--ink-soft)}
#how-overpayments-work a,.res-grid>.card:not(.res) a:not(.btn){color:var(--navy-900);font-weight:600;text-decoration:underline;text-underline-offset:3px}
.res-grid>.card:not(.res) p{margin:0 0 14px}
.res-grid>.card:not(.res) h2{font-size:1.5rem;margin:0 0 .5em}
.contact-page .card ul.chips+p{margin-top:16px}
.contact-page .card ul.chips+p a{color:var(--navy-900);font-weight:600;text-decoration:underline;text-underline-offset:3px}
.db-links{margin:24px 0 0;color:var(--ink-soft)}
.db-links a{color:var(--navy-900);font-weight:600;text-decoration:underline;text-underline-offset:3px}
.rel.learn{margin-top:8px}
@media(max-width:600px){.tool-about{margin-top:32px}.tool-about .card{padding:26px 20px}}
table.scot td,table.scot th{white-space:nowrap}
/* keep every single-column stack from growing wider than the screen on phones
   (a wide table or chart inside it used to push the whole column past the viewport) */
.stack{grid-template-columns:minmax(0,1fr)}

/* ---- blog ---- */
.blog-wrap{position:relative;z-index:2;margin-top:-44px;max-width:900px;display:grid;gap:28px}
.blog-wrap .stack{gap:24px}
.blog-post{padding:34px 38px;line-height:1.7}
.blog-post p{margin:0 0 1em;color:var(--ink-soft)}
.blog-post p:last-child{margin-bottom:0}
.blog-post a{color:var(--navy-900);font-weight:600;text-decoration:underline;text-underline-offset:3px}
.blog-post .links{margin-top:1.8em;padding-top:1.1em;border-top:2px dashed var(--cream-100);font-size:.95rem}
.blog-post .blog-disc{font-size:.92rem}
.blog-post .yt-alt{margin:12px 0 0;font-size:.95rem}
.blog-card h2{font-size:1.5rem;margin:.1em 0 .4em}
.blog-card h2 a{text-decoration:none;color:var(--navy-900)}
.blog-card h2 a:hover{text-decoration:underline;text-underline-offset:4px}
.blog-card .blog-date{font-size:.9rem;margin:0}
.blog-card p{margin:0 0 .8em;color:var(--ink-soft)}
.blog-card p:last-child{margin-bottom:0}
.blog-card .more-link{color:var(--navy-900);font-weight:600;text-decoration:none}
.blog-card .more-link:hover{text-decoration:underline;text-underline-offset:4px}
.page-hero .pill a{color:inherit;text-decoration:none}
.yt{position:relative;aspect-ratio:16/9;border-radius:16px;overflow:hidden;background:linear-gradient(150deg,var(--navy-600),var(--navy-900));display:grid;place-items:center}
.yt.r43{aspect-ratio:4/3}
.yt iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.yt-play{display:grid;justify-items:center;gap:6px;background:none;border:0;color:#fff;cursor:pointer;font:inherit;padding:24px;width:100%;height:100%;align-content:center}
.yt-play .yt-ico{width:68px;height:68px;border-radius:50%;background:var(--sun);color:var(--navy-900);display:grid;place-items:center;font-size:1.6rem;padding-left:4px;box-shadow:0 12px 26px -10px rgba(0,0,0,.5)}
.yt-play .yt-txt{font-weight:600;font-size:1.1rem}
.yt-play small{color:#d9d2c4;font-size:.85rem}
.yt-play:hover .yt-ico{transform:scale(1.06)}
@media(max-width:600px){.blog-post{padding:24px 20px}.blog-wrap{margin-top:-32px}}
/* the pensions hero lets its bottom edge overflow; stop its decorative hexagon widening the page on phones */
.pensions .page-hero{overflow-x:clip}
/* long one-word labels in the pension fact circles ("Contribution") must wrap inside the circle and stay centred */
.pn-bub strong:only-child{max-width:100%;overflow-wrap:break-word;hyphens:manual}
.blog-post .blog-fig{margin:0 0 1.4em}.blog-post .blog-fig img{display:block;width:250px;max-width:100%;height:auto;border-radius:14px}
/* Learn menu: thin divider between the topic guides and Blog / Glossary */
nav .sub .sub-divider{height:2px;margin:6px 10px;padding:0;background:var(--cream-100);border-radius:2px;list-style:none}
/* mobile menu: when open it can be taller than the screen, and the header is pinned,
   so let the open menu scroll inside itself instead of running off the bottom */
@media(max-width:1060px){
  nav.open{max-height:calc(100vh - 76px);max-height:calc(100dvh - 76px);overflow-y:auto;overscroll-behavior:contain;-webkit-overflow-scrolling:touch}
}