/* ============================================================
   Kaizen Financial Services — Premium relaunch stylesheet
   Palette: black / charcoal / warm white / gold (from the mark)
   Type: Bodoni Moda (display) + Inter (body) + IBM Plex Mono (data)
   ============================================================ */

:root{
  --black:  #0A0A0A;
  --panel:  #141414;
  --panel-2:#1B1B1B;
  --ink:    #F3EFE7;
  --ink-soft: #9C9690;
  --gold:   #D9A441;
  --gold-deep: #A9782A;
  --line: rgba(243,239,231,0.10);
  --line-strong: rgba(243,239,231,0.18);
  --glow: rgba(217,164,65,0.28);

  --font-display: 'Bodoni Moda', serif;
  --font-body: 'Inter', sans-serif;
  --font-mono: 'IBM Plex Mono', monospace;
}

*{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
body{
  margin:0; background:var(--black); color:var(--ink);
  font-family:var(--font-body); -webkit-font-smoothing:antialiased; line-height:1.55;
}
img{ max-width:100%; display:block; }
a{ color:inherit; text-decoration:none; }
.hidden{ display:none !important; }

.wrap{ max-width:1140px; margin:0 auto; padding:0 24px; }
.wrap-narrow{ max-width:760px; margin:0 auto; padding:0 24px; }

h1,h2,h3{ font-family:var(--font-display); font-weight:600; letter-spacing:-0.01em; margin:0; color:var(--ink); }
h1{ font-size:52px; line-height:1.08; }
h2{ font-size:32px; line-height:1.2; }
h3{ font-size:21px; line-height:1.3; }
p{ margin:0; }

/* ---------- Utility bar + header ---------- */
.utility-bar{ background:var(--black); color:var(--ink-soft); font-size:12px; border-bottom:1px solid var(--line); }
.utility-bar .wrap{ display:flex; justify-content:space-between; align-items:center; padding:9px 24px; flex-wrap:wrap; gap:6px; }
.utility-bar a{ color:var(--gold); font-weight:600; }
.utility-bar .u-links{ display:flex; gap:18px; }

header.site-header{ background:rgba(10,10,10,0.85); backdrop-filter:blur(10px); border-bottom:1px solid var(--line); position:sticky; top:0; z-index:40; }
header.site-header .wrap{ display:flex; align-items:center; justify-content:space-between; padding:14px 24px; }
.brand{ display:flex; align-items:center; gap:10px; font-family:var(--font-display); font-weight:600; font-size:19px; }
.brand img{ height:32px; width:auto; }
nav.main-nav{ display:flex; align-items:center; gap:18px; }
nav.main-nav a{ font-size:13px; font-weight:500; color:var(--ink); border-bottom:1px solid transparent; padding-bottom:3px; white-space:nowrap; }
nav.main-nav a.active, nav.main-nav a:hover{ border-bottom-color:var(--gold); color:var(--gold); }
.nav-cta{ background:var(--gold); color:var(--black) !important; padding:10px 20px; border-radius:2px; font-weight:700; border-bottom:none !important; }
.nav-cta:hover{ background:#c99433; color:var(--black) !important; }
.nav-toggle{ display:none; background:none; border:1px solid var(--line-strong); border-radius:4px; padding:8px 10px; cursor:pointer; }
.nav-toggle span, .nav-toggle span:before, .nav-toggle span:after{ content:""; display:block; width:18px; height:2px; background:var(--ink); position:relative; }
.nav-toggle span:before{ top:-5px; } .nav-toggle span:after{ top:3px; }

@media (max-width:860px){
  nav.main-nav{
    position:absolute; top:100%; left:0; right:0; background:var(--black);
    flex-direction:column; align-items:flex-start; gap:0; border-bottom:1px solid var(--line);
    max-height:0; overflow:hidden; transition:max-height .25s ease;
  }
  nav.main-nav.open{ max-height:360px; }
  nav.main-nav a{ padding:14px 24px; width:100%; border-bottom:1px solid var(--line); }
  nav.main-nav a.nav-cta{ margin:14px 24px; width:calc(100% - 48px); text-align:center; }
  .nav-toggle{ display:block; }
}

/* ---------- Scroll-reveal hero ---------- */
.hero-scroll{ position:relative; height:220vh; background:var(--black); }
.hero-pin{ position:sticky; top:0; height:100vh; overflow:hidden; }
.hero-video-wrap{ position:absolute; inset:0; will-change:transform; }
.hero-video-wrap video{ width:100%; height:100%; object-fit:cover; }
.hero-scrim{ position:absolute; inset:0; background:linear-gradient(180deg, rgba(10,10,10,0.35) 0%, rgba(10,10,10,0.55) 60%, rgba(10,10,10,0.92) 100%); }
.hero-copy{ position:absolute; left:0; right:0; bottom:9%; text-align:center; padding:0 24px; }
.hero-copy h1{ font-size:56px; color:#fff; text-shadow:0 4px 30px rgba(0,0,0,0.5); }
.hero-copy .sub{ font-size:16px; color:var(--ink-soft); margin:16px auto 26px; max-width:46ch; }
.hero-scroll-hint{ position:absolute; left:50%; bottom:34px; transform:translateX(-50%); font-family:var(--font-mono); font-size:11px; letter-spacing:0.08em; color:var(--ink-soft); }
.hero-logo-reveal{
  position:absolute; inset:0; display:flex; align-items:center; justify-content:center;
  opacity:0; will-change:opacity, transform;
}
.hero-logo-reveal img{ width:min(360px, 45vw); }
@media (max-width:760px){ .hero-copy h1{ font-size:34px; } }

.btn{
  display:inline-flex; align-items:center; gap:8px; background:var(--gold); color:var(--black);
  padding:15px 28px; border-radius:2px; font-weight:700; font-size:14.5px; border:none; cursor:pointer;
  font-family:var(--font-body);
}
.btn:hover{ background:#c99433; }
.btn-outline{ background:transparent; color:var(--ink); border:1.5px solid var(--line-strong); }
.btn-outline:hover{ border-color:var(--gold); color:var(--gold); }

/* ---------- Ledger list ---------- */
.ledger{ border-top:1px solid var(--line); }
.ledger-row{ display:grid; grid-template-columns:220px 1fr; gap:24px; padding:28px 0; border-bottom:1px solid var(--line); }
.ledger-row .lr-label{ font-family:var(--font-mono); font-size:12.5px; color:var(--gold); text-transform:uppercase; letter-spacing:0.03em; }
.ledger-row .lr-content h3{ margin-bottom:8px; }
.ledger-row .lr-content p{ color:var(--ink-soft); font-size:14.5px; max-width:60ch; }
@media (max-width:640px){ .ledger-row{ grid-template-columns:1fr; gap:8px; } }

/* ---------- Section shell ---------- */
section{ padding:64px 0; }
section.on-panel{ background:var(--panel); }
.section-head{ margin-bottom:32px; max-width:60ch; }
.section-head .lead{ color:var(--ink-soft); font-size:15px; margin-top:10px; }

/* ---------- Detailed services ---------- */
.service-block{ display:grid; grid-template-columns:160px 1fr; gap:32px; padding:36px 0; border-top:1px solid var(--line); }
.service-block:last-child{ border-bottom:1px solid var(--line); }
.service-block .sb-tag{ font-family:var(--font-mono); font-size:12px; color:var(--gold); text-transform:uppercase; letter-spacing:0.03em; padding-top:4px; }
.service-block h3{ margin-bottom:10px; }
.service-block p{ color:var(--ink-soft); font-size:14.5px; max-width:64ch; margin-bottom:12px; }
.service-block ul{ margin:10px 0 0; padding:0; list-style:none; }
.service-block li{ font-size:14px; padding:6px 0 6px 18px; position:relative; color:var(--ink); }
.service-block li:before{ content:"—"; position:absolute; left:0; color:var(--gold-deep); }
@media (max-width:640px){ .service-block{ grid-template-columns:1fr; gap:8px; } }

/* ---------- About / credentials ---------- */
.about-grid{ display:grid; grid-template-columns:1fr 1fr; gap:48px; align-items:start; }
.credential-tag{
  display:inline-flex; align-items:center; gap:8px; border:1px solid var(--line-strong); border-radius:2px;
  padding:9px 14px; font-family:var(--font-mono); font-size:12px; margin:4px 10px 4px 0; color:var(--gold);
}
@media (max-width:860px){ .about-grid{ grid-template-columns:1fr; } }

/* ---------- Testimonials ---------- */
.quote-block{ border-left:2px solid var(--gold-deep); padding-left:22px; margin-bottom:26px; }
.quote-block p.q{ font-family:var(--font-display); font-size:19px; font-style:italic; margin-bottom:10px; color:var(--ink); }
.quote-block .attrib{ font-size:12.5px; color:var(--ink-soft); }
.placeholder-note{ font-size:11.5px; color:var(--ink-soft); font-style:italic; }

/* ---------- CTA banner ---------- */
.cta-banner .wrap{ display:flex; justify-content:space-between; align-items:center; gap:24px; flex-wrap:wrap; }
.cta-banner h2{ max-width:26ch; }

/* ---------- Footer ---------- */
footer.site-footer{ background:var(--black); color:var(--ink-soft); padding:52px 0 0; border-top:1px solid var(--line); }
.footer-grid{ display:grid; grid-template-columns:1.3fr 1fr 1fr; gap:40px; padding-bottom:36px; border-bottom:1px solid var(--line); }
.footer-grid h4{ font-family:var(--font-mono); font-size:11.5px; color:var(--gold); text-transform:uppercase; letter-spacing:0.03em; margin-bottom:14px; }
.footer-grid p, .footer-grid a{ font-size:13.5px; line-height:1.7; display:block; margin-bottom:6px; color:var(--ink-soft); }
.footer-grid a:hover{ color:var(--ink); }
.footer-disclaimer{ font-size:11.5px; line-height:1.6; color:var(--ink-soft); max-width:70ch; }
.footer-bottom{ display:flex; justify-content:space-between; align-items:center; flex-wrap:wrap; gap:10px; padding:18px 0; font-size:12px; }
@media (max-width:860px){ .footer-grid{ grid-template-columns:1fr; } }
.map-embed{ width:100%; height:280px; border:1px solid var(--line); border-radius:2px; filter:grayscale(0.3) invert(0.92) contrast(0.9); }

/* ---------- Forms ---------- */
.form-grid{ display:grid; grid-template-columns:1fr 1fr; gap:48px; align-items:start; }
.form-panel{ background:var(--panel); border:1px solid var(--line-strong); border-radius:2px; padding:32px 28px; }
.form-panel h3{ margin-bottom:6px; }
.form-panel .fp-sub{ font-size:13.5px; color:var(--ink-soft); margin-bottom:22px; }
.field{ margin-bottom:16px; }
.field label{ display:block; font-size:12.5px; font-weight:600; margin-bottom:6px; color:var(--ink); }
.field label .req{ color:var(--gold); }
.field input, .field select, .field textarea{
  width:100%; padding:12px 13px; border-radius:2px; border:1px solid var(--line-strong);
  background:var(--black); font-family:var(--font-body); font-size:14px; color:var(--ink);
}
.field input:focus, .field select:focus, .field textarea:focus{ outline:none; border-color:var(--gold); }
.field-error{ font-size:11.5px; color:#E27575; margin-top:5px; display:none; }
.field.has-error input, .field.has-error select{ border-color:#E27575; }
.field.has-error .field-error{ display:block; }
.benefit-list{ list-style:none; margin:22px 0 0; padding:0; }
.benefit-list li{ padding:12px 0 12px 22px; position:relative; border-top:1px solid var(--line); font-size:14.5px; color:var(--ink-soft); }
.benefit-list li:first-child{ border-top:none; }
.benefit-list li:before{ content:"—"; position:absolute; left:0; color:var(--gold-deep); }

/* ---------- Legal pages ---------- */
.legal-body h2{ margin-top:34px; margin-bottom:12px; font-size:20px; }
.legal-body p{ font-size:14.5px; color:var(--ink-soft); margin-bottom:14px; max-width:70ch; }
.legal-note{ border:1px solid var(--line-strong); background:var(--panel); padding:16px 18px; border-radius:2px; font-size:13px; margin-bottom:28px; }

/* ============================================================
   Calculators / tools
   ============================================================ */
.tool-tabs{ display:flex; gap:8px; flex-wrap:wrap; margin-bottom:28px; }
.tool-tab{ border:1px solid var(--line-strong); background:transparent; padding:10px 18px; border-radius:2px; font-size:13.5px; font-weight:600; cursor:pointer; font-family:var(--font-body); color:var(--ink); }
.tool-tab.active{ background:var(--gold); border-color:var(--gold); color:var(--black); }

.sub-tab-row{ display:flex; gap:8px; margin-bottom:20px; }
.sub-tab{ flex:1; text-align:center; padding:10px 8px; border-radius:2px; border:1px solid var(--line-strong); background:transparent; font-weight:600; font-size:13px; cursor:pointer; color:var(--ink); }
.sub-tab.active{ background:var(--ink); border-color:var(--ink); color:var(--black); }

.wizard{ overflow:hidden; border-radius:2px; }
.wizard-track{ display:flex; transition:transform .38s cubic-bezier(.4,0,.2,1); }
.wizard-step{ flex:0 0 100%; width:100%; padding:2px; }
.wizard-dots{ display:flex; gap:6px; justify-content:center; margin:16px 0 4px; }
.wizard-dot{ width:6px; height:6px; border-radius:50%; background:var(--line-strong); transition:.2s ease; }
.wizard-dot.active{ background:var(--gold); width:20px; border-radius:4px; }
.wizard-nav{ display:flex; gap:10px; margin:16px 0 8px; }
.wizard-btn{ flex:1; padding:13px; border-radius:2px; font-weight:700; font-size:13.5px; cursor:pointer; border:1px solid var(--line-strong); background:transparent; color:var(--ink); font-family:var(--font-body); }
.wizard-btn.primary{ background:var(--ink); color:var(--black); border-color:var(--ink); }
.wizard-btn.hide{ visibility:hidden; }

.field-group{ background:var(--panel); border:1px solid var(--line-strong); border-radius:2px; padding:22px; min-height:118px; }
.field-row{ display:flex; justify-content:space-between; align-items:baseline; margin-bottom:12px; }
.field-label{ font-size:13.5px; font-weight:600; color:var(--ink-soft); }
.field-value{ font-family:var(--font-mono); font-size:19px; font-weight:600; color:var(--gold); }
.field-hint{ font-size:12px; color:var(--ink-soft); margin-top:10px; }
input[type=range]{ -webkit-appearance:none; width:100%; height:4px; border-radius:4px; background:var(--line-strong); outline:none; margin-top:6px; }
input[type=range]::-webkit-slider-thumb{ -webkit-appearance:none; width:22px;height:22px; border-radius:50%; background:var(--gold); border:3px solid var(--panel); box-shadow:0 0 0 1px var(--gold-deep); cursor:pointer; }
input[type=range]::-moz-range-thumb{ width:22px;height:22px; border-radius:50%; background:var(--gold); border:3px solid var(--panel); box-shadow:0 0 0 1px var(--gold-deep); cursor:pointer; }

.chip-row{ display:flex; flex-wrap:wrap; gap:8px; margin-bottom:16px; }
.chip{ border:1px solid var(--line-strong); background:transparent; color:var(--ink); padding:9px 15px; border-radius:100px; font-size:13px; font-weight:500; cursor:pointer; }
.chip.active{ background:var(--gold); border-color:var(--gold); color:var(--black); }

.return-row{ display:flex; gap:8px; }
.return-btn{ flex:1; border:1px solid var(--line-strong); background:transparent; padding:14px 8px; border-radius:2px; text-align:center; cursor:pointer; color:var(--ink); }
.return-btn .pct{ font-family:var(--font-mono); font-weight:600; font-size:15px; display:block; }
.return-btn .lbl{ font-size:11px; color:var(--ink-soft); text-transform:uppercase; letter-spacing:0.05em; }
.return-btn.active{ background:var(--gold); border-color:var(--gold); }
.return-btn.active .pct, .return-btn.active .lbl{ color:var(--black); }

.infl-toggle{ display:flex; align-items:center; justify-content:space-between; margin-bottom:6px; }
.infl-toggle-label{ font-size:14px; font-weight:600; color:var(--ink); }
.switch{ position:relative; width:44px; height:24px; flex-shrink:0; }
.switch input{ opacity:0; width:0; height:0; }
.switch-track{ position:absolute; inset:0; background:var(--line-strong); border-radius:100px; cursor:pointer; transition:.15s; }
.switch-track:before{ content:""; position:absolute; width:18px; height:18px; left:3px; top:3px; background:var(--ink); border-radius:50%; transition:.15s; }
.switch input:checked + .switch-track{ background:var(--gold); }
.switch input:checked + .switch-track:before{ transform:translateX(20px); background:var(--black); }
.meter-bar{ height:26px; border-radius:2px; background:var(--line-strong); overflow:hidden; display:flex; margin:14px 0 10px; }
.meter-seg-today{ background:var(--panel-2); display:flex; align-items:center; padding-left:10px; font-size:10.5px; font-weight:600; color:var(--ink); white-space:nowrap; overflow:hidden; }
.meter-seg-future{ background:var(--gold); display:flex; align-items:center; padding-left:10px; font-size:10.5px; font-weight:700; color:var(--black); white-space:nowrap; overflow:hidden; }
.meter-caption{ font-size:12px; color:var(--ink-soft); }

.result{ position:relative; background:var(--panel-2); color:var(--ink); border-radius:2px; padding:28px 24px 22px; overflow:hidden; border:1px solid var(--gold-deep); }
.result-inner{ position:relative; z-index:1; }
.result-label{ font-size:12px; text-transform:uppercase; letter-spacing:0.06em; color:var(--ink-soft); font-weight:600; margin-bottom:10px; }
.result-amount{ font-family:var(--font-mono); font-weight:600; font-size:36px; line-height:1; letter-spacing:-0.01em; margin-bottom:4px; color:var(--gold); }
.result-amount .cur{ font-size:22px; vertical-align:2px; margin-right:2px; }
.result-per{ font-size:13px; color:var(--ink-soft); margin-bottom:18px; }
.breakdown{ display:flex; gap:20px; padding-top:14px; border-top:1px solid var(--line); flex-wrap:wrap; }
.bd-item .bd-val{ font-family:var(--font-mono); font-size:15px; font-weight:600; color:var(--ink); }
.bd-item .bd-lbl{ font-size:11px; color:var(--ink-soft); margin-top:3px; }

.disclaimer{ font-size:11.5px; line-height:1.5; color:var(--ink-soft); margin:16px 0 0; padding-left:12px; border-left:2px solid var(--line-strong); }

.quiz-q-text{ font-size:15px; font-weight:600; margin-bottom:14px; line-height:1.4; color:var(--ink); }
.quiz-opts{ display:flex; flex-direction:column; gap:8px; }
.quiz-opt{ border:1px solid var(--line-strong); background:transparent; padding:14px; border-radius:2px; font-size:13.5px; cursor:pointer; color:var(--ink); }
.quiz-opt:hover{ border-color:var(--gold); }
.quiz-opt.active{ background:var(--gold); border-color:var(--gold); color:var(--black); }
.risk-result{ background:var(--panel-2); color:var(--ink); border-radius:2px; padding:26px 22px; border:1px solid var(--gold-deep); }
.risk-badge{ display:inline-block; padding:5px 14px; border-radius:100px; font-size:11.5px; font-weight:700; letter-spacing:0.03em; margin-bottom:12px; }
.risk-result h3{ color:var(--ink); font-size:22px; margin:0 0 10px; }
.risk-result p{ font-size:13.5px; line-height:1.6; color:var(--ink-soft); margin:0; }

.lead-card{ background:var(--panel); border:1px solid var(--line-strong); border-radius:2px; padding:24px 20px; margin-top:18px; }
.lead-title{ font-family:var(--font-display); font-size:19px; font-weight:600; margin:0 0 4px; color:var(--ink); }
.lead-sub{ font-size:13px; color:var(--ink-soft); margin:0 0 16px; }
.cta{ width:100%; background:var(--gold); color:var(--black); border:none; padding:15px; border-radius:2px; font-family:var(--font-body); font-weight:700; font-size:14.5px; cursor:pointer; display:flex; align-items:center; justify-content:center; gap:8px; }
.cta:hover{ background:#c99433; }
.cta svg{ width:17px; height:17px; }
.plain-input{ width:100%; padding:12px 13px; border-radius:2px; border:1px solid var(--line-strong); background:var(--black); color:var(--ink); font-size:14px; margin-bottom:10px; font-family:var(--font-body); }

/* ---------- Expense tracker ---------- */
.expense-add{ display:grid; grid-template-columns:1fr 1fr 1fr auto; gap:10px; margin-bottom:22px; }
.expense-add select, .expense-add input{ padding:12px 13px; border-radius:2px; border:1px solid var(--line-strong); background:var(--black); color:var(--ink); font-size:13.5px; font-family:var(--font-body); }
.expense-add button{ background:var(--gold); color:var(--black); border:none; border-radius:2px; font-weight:700; font-size:13.5px; cursor:pointer; padding:0 18px; }
@media (max-width:700px){ .expense-add{ grid-template-columns:1fr 1fr; } }
.expense-row{ display:grid; grid-template-columns:100px 1fr 120px 32px; gap:10px; align-items:center; padding:12px 0; border-bottom:1px solid var(--line); font-size:13.5px; }
.expense-row .ex-cat{ font-family:var(--font-mono); font-size:11px; color:var(--gold); text-transform:uppercase; }
.expense-row .ex-amt{ font-family:var(--font-mono); text-align:right; color:var(--ink); }
.expense-row .ex-del{ background:none; border:none; color:var(--ink-soft); cursor:pointer; font-size:16px; }
.expense-row .ex-del:hover{ color:#E27575; }
.expense-summary{ display:flex; gap:20px; flex-wrap:wrap; margin-top:20px; }
.expense-total{ background:var(--panel-2); border:1px solid var(--gold-deep); border-radius:2px; padding:18px 22px; flex:1; min-width:160px; }
.expense-total .et-val{ font-family:var(--font-mono); font-size:24px; color:var(--gold); font-weight:600; }
.expense-total .et-lbl{ font-size:11.5px; color:var(--ink-soft); margin-top:4px; }
.expense-empty{ text-align:center; padding:30px 0; color:var(--ink-soft); font-size:13.5px; }

/* ---------- Floating WhatsApp button (injected via site.js on every page) ---------- */
.wa-float{
  position:fixed; right:20px; bottom:20px; z-index:60;
  display:flex; align-items:center; gap:10px; background:#25D366; color:#0A0A0A;
  padding:13px 18px; border-radius:100px; font-weight:700; font-size:13.5px;
  box-shadow:0 8px 24px rgba(0,0,0,0.4); font-family:var(--font-body);
}
.wa-float svg{ width:20px; height:20px; flex-shrink:0; }
.wa-float span{ display:none; }
@media (min-width:640px){ .wa-float span{ display:inline; } }

/* ---------- Answer-first lede (GEO) ---------- */
.answer-lede{ font-size:16.5px; color:var(--ink); background:var(--panel); border-left:2px solid var(--gold); padding:16px 20px; margin:14px 0 26px; border-radius:2px; max-width:70ch; }

/* ---------- Trust ribbon / partner strip ---------- */
.trust-ribbon{ display:flex; flex-wrap:wrap; gap:10px 12px; padding:18px 0; }
.trust-chip{ font-family:var(--font-mono); font-size:11.5px; color:var(--ink-soft); border:1px solid var(--line-strong); padding:8px 13px; border-radius:100px; }
.partner-strip{ display:flex; flex-wrap:wrap; gap:10px; padding:10px 0 6px; }
.partner-chip{ font-size:13px; font-weight:600; color:var(--ink); background:var(--panel); border:1px solid var(--line-strong); padding:10px 16px; border-radius:2px; }

/* ---------- FAQ ---------- */
.faq-item{ border-bottom:1px solid var(--line); padding:18px 0; }
.faq-item summary{ cursor:pointer; font-weight:600; font-size:15px; color:var(--ink); list-style:none; display:flex; justify-content:space-between; gap:14px; }
.faq-item summary::-webkit-details-marker{ display:none; }
.faq-item summary:after{ content:"+"; color:var(--gold); font-size:20px; flex-shrink:0; }
.faq-item[open] summary:after{ content:"–"; }
.faq-item p{ color:var(--ink-soft); font-size:14px; margin-top:12px; max-width:66ch; }

/* ---------- Process steps ---------- */
.process-steps{ display:grid; grid-template-columns:repeat(4,1fr); gap:16px; }
.process-step{ background:var(--panel); border:1px solid var(--line-strong); border-radius:2px; padding:20px 16px; }
.process-step .ps-num{ font-family:var(--font-mono); color:var(--gold); font-size:13px; margin-bottom:8px; }
.process-step h3{ font-size:16px; margin-bottom:6px; }
.process-step p{ font-size:12.5px; color:var(--ink-soft); }
@media (max-width:760px){ .process-steps{ grid-template-columns:1fr 1fr; } }
@media (max-width:480px){ .process-steps{ grid-template-columns:1fr; } }

/* ---------- Comparison table ---------- */
.compare-table{ width:100%; border-collapse:collapse; margin:18px 0; font-size:13.5px; }
.compare-table th, .compare-table td{ border:1px solid var(--line-strong); padding:12px 14px; text-align:left; color:var(--ink); }
.compare-table th{ background:var(--panel); font-family:var(--font-mono); font-size:11.5px; text-transform:uppercase; letter-spacing:0.03em; color:var(--gold); }
.compare-table td{ color:var(--ink-soft); }
.compare-wrap{ overflow-x:auto; }

/* ---------- Disclosure / conflict-of-interest box ---------- */
.disclosure-box{ border:1px solid var(--line-strong); background:var(--panel); border-radius:2px; padding:18px 20px; font-size:13px; color:var(--ink-soft); line-height:1.6; margin:20px 0; }
.disclosure-box strong{ color:var(--ink); }

/* ---------- Offer banner ---------- */
.offer-banner{ background:linear-gradient(90deg, var(--gold-deep), var(--gold)); color:var(--black); border-radius:2px; padding:22px 24px; display:flex; justify-content:space-between; align-items:center; flex-wrap:wrap; gap:14px; margin:24px 0; }
.offer-banner h3{ color:var(--black); font-size:19px; margin-bottom:4px; }
.offer-banner p{ font-size:12.5px; color:rgba(10,10,10,0.75); max-width:52ch; }
.offer-banner .btn{ background:var(--black); color:var(--ink); }
.offer-banner .btn:hover{ background:#000; }

/* ---------- Quick pathway cards ---------- */
.pathway-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:16px; }
.pathway-card{ background:var(--panel); border:1px solid var(--line-strong); border-radius:2px; padding:26px 22px; display:block; }
.pathway-card .pc-tag{ font-family:var(--font-mono); font-size:11px; color:var(--gold); text-transform:uppercase; letter-spacing:0.04em; }
.pathway-card h3{ margin:10px 0 8px; font-size:19px; }
.pathway-card p{ font-size:13px; color:var(--ink-soft); margin-bottom:14px; }
.pathway-card .pc-link{ font-size:12.5px; font-weight:700; color:var(--gold); }
@media (max-width:760px){ .pathway-grid{ grid-template-columns:1fr; } }

/* ---------- Article body lists ---------- */
.legal-body ul{ margin:0 0 16px 20px; padding:0; }
.legal-body li{ color:var(--ink-soft); font-size:14.5px; margin-bottom:8px; line-height:1.6; }
.legal-body li strong{ color:var(--ink); }

/* ---------- Micro disclosure (very small, bottom of footer) ---------- */
.micro-disclosure{ font-size:10px; line-height:1.5; color:var(--ink-soft); opacity:0.65; max-width:100%; margin:14px 0 0; padding-top:12px; border-top:1px solid var(--line); }

/* ---------- HL offer popup modal ---------- */
.offer-modal-backdrop{ position:fixed; inset:0; background:rgba(0,0,0,0.7); z-index:100; display:flex; align-items:center; justify-content:center; padding:20px; }
.offer-modal{ background:var(--panel); border:1px solid var(--gold-deep); border-radius:2px; max-width:420px; width:100%; padding:30px 26px; position:relative; }
.offer-modal-close{ position:absolute; top:14px; right:16px; background:none; border:none; color:var(--ink-soft); font-size:20px; cursor:pointer; line-height:1; }
.offer-modal-close:hover{ color:var(--ink); }
.offer-modal .om-tag{ font-family:var(--font-mono); font-size:11px; color:var(--gold); text-transform:uppercase; letter-spacing:0.05em; margin-bottom:10px; }
.offer-modal h3{ font-size:23px; margin-bottom:10px; }
.offer-modal p{ font-size:13.5px; color:var(--ink-soft); margin-bottom:6px; }
.offer-modal .om-fine{ font-size:11px; color:var(--ink-soft); opacity:0.75; margin-bottom:20px; }
.offer-modal .om-actions{ display:flex; gap:10px; flex-wrap:wrap; }
.offer-modal .om-actions .btn, .offer-modal .om-actions .btn-outline{ flex:1; text-align:center; justify-content:center; }

/* ---------- Fine-print regulatory disclosure (footer) ---------- */
.fine-disclosure{ font-size:10px; line-height:1.6; color:rgba(156,150,144,0.75); max-width:80ch; margin-top:8px; }

/* ---------- Home loan offer popup ---------- */
.offer-modal-overlay{
  position:fixed; inset:0; background:rgba(10,10,10,0.78); z-index:80;
  display:flex; align-items:center; justify-content:center; padding:20px;
  opacity:0; pointer-events:none; transition:opacity .25s ease;
}
.offer-modal-overlay.show{ opacity:1; pointer-events:auto; }
.offer-modal{
  background:var(--panel); border:1px solid var(--gold-deep); border-radius:2px;
  max-width:420px; width:100%; padding:30px 26px 26px; position:relative;
  box-shadow:0 20px 60px rgba(0,0,0,0.5);
}
.offer-modal-close{
  position:absolute; top:12px; right:14px; background:none; border:none; color:var(--ink-soft);
  font-size:20px; cursor:pointer; line-height:1; padding:4px;
}
.offer-modal-close:hover{ color:var(--ink); }
.offer-modal .om-tag{ font-family:var(--font-mono); font-size:11px; color:var(--gold); text-transform:uppercase; letter-spacing:0.04em; margin-bottom:8px; }
.offer-modal h3{ font-size:23px; margin-bottom:10px; color:var(--ink); }
.offer-modal p{ font-size:13.5px; color:var(--ink-soft); margin-bottom:6px; }
.offer-modal .om-fine{ font-size:10.5px; color:var(--ink-soft); opacity:0.75; margin-top:4px; margin-bottom:18px; }
.offer-modal .om-actions{ display:flex; gap:10px; flex-wrap:wrap; }
.offer-modal .om-actions .btn{ flex:1; text-align:center; justify-content:center; font-size:13px; padding:13px 14px; }

/* ---------- Red highlight for offer rate / fees ---------- */
.hl-red{ color:#FF5A5A; font-weight:700; }
.offer-banner .hl-red{ color:#8F0012; font-weight:800; }

/* ---------- Form fields: always readable on the dark theme ---------- */
input, select, textarea{ color:var(--ink); font-family:var(--font-body); color-scheme:dark; }
input::placeholder, textarea::placeholder{ color:var(--ink-soft); opacity:.8; }
select option{ background:var(--panel); color:var(--ink); }
input:-webkit-autofill, input:-webkit-autofill:focus{
  -webkit-text-fill-color:var(--ink); caret-color:var(--ink);
  box-shadow:0 0 0 1000px var(--black) inset; transition:background-color 9999s;
}
input:focus-visible, select:focus-visible, textarea:focus-visible, button:focus-visible, a:focus-visible{ outline:2px solid var(--gold); outline-offset:2px; }

/* Typed-value box next to each slider */
.type-row{ display:flex; align-items:center; gap:10px; margin-top:12px; }
.type-row label{ font-size:12px; color:var(--ink-soft); }
.type-in{ width:150px; padding:9px 11px; border-radius:2px; border:1px solid var(--line-strong); background:var(--black); font-family:var(--font-mono); font-size:13.5px; }
.type-in:focus{ outline:none; border-color:var(--gold); }
.u-actions{ display:flex; gap:18px; align-items:center; }