:root{
  --bg: #F6F8F4; --surface: #FFFFFF; --surface-tint: #EFF4EC;
  --sage: #7A9E7E; --sage-deep: #4F6F52; --ink: #263426; --ink-soft: #47543E;
  --gold: #A9824F; --gold-text: #83653D; --border: #DCE4D6; --max: 1120px;
}
*{box-sizing:border-box;}
.skip-link{position:absolute;left:-9999px;top:0;z-index:1000;background:var(--sage-deep);color:#fff;padding:12px 20px;border-radius:0 0 4px 0;font-family:"IBM Plex Sans",sans-serif;font-size:.92rem;text-decoration:none;}
.skip-link:focus{left:0;}
html{scroll-behavior:smooth;}
body{margin:0;background:var(--bg);color:var(--ink-soft);font-family:"IBM Plex Sans",-apple-system,sans-serif;font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased;}
h1,h2,h3,h4{font-family:"Playfair Display",Georgia,serif;color:var(--ink);font-weight:600;margin:0 0 .6em;line-height:1.15;letter-spacing:-0.01em;}
h1{font-size:clamp(2.1rem,4.5vw,3.4rem);font-weight:500;}
h2{font-size:clamp(1.6rem,3vw,2.2rem);margin-bottom:.7em;}
h3{font-size:1.25rem;}
p{margin:0 0 1.2em;}
a{color:var(--sage-deep);text-decoration:none;cursor:pointer;}
a:hover{text-decoration:underline;}
img{max-width:100%;display:block;}
.mono{font-family:"IBM Plex Mono",monospace;letter-spacing:.02em;}
.eyebrow{font-family:"IBM Plex Mono",monospace;font-size:.86rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--sage-deep);margin-bottom:1.1em;display:block;}
.wrap{max-width:var(--max);margin:0 auto;padding:0 28px;}
section{padding:96px 0;}
.section-tight{padding:52px 0;}
hr.rule{border:none;border-top:1px solid var(--border);margin:0;}
a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible{outline:2px solid var(--gold);outline-offset:3px;}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;}html{scroll-behavior:auto;}}

.site-fixed{position:sticky;top:0;z-index:50;}
.topbar{background:var(--ink);color:#E7ECE3;}
.topbar-inner{max-width:var(--max);margin:0 auto;padding:8px 28px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:5px 20px;cursor:pointer;}
.topbar-cred{display:flex;flex-wrap:wrap;align-items:center;font-family:"IBM Plex Mono",monospace;font-size:.72rem;letter-spacing:.04em;}
.topbar-phone{font-family:"IBM Plex Mono",monospace;font-weight:500;font-size:.78rem;letter-spacing:.06em;color:#DCE6D8;text-decoration:none;white-space:nowrap;}
.topbar-phone:hover{color:#fff;text-decoration:underline;}
.topbar-cred .tag-name{color:#fff;font-weight:400;text-transform:uppercase;}
.topbar-cred .tag-role,.topbar-cred .tag-regn{color:#B9C7B4;text-transform:uppercase;}
.topbar-cred .tag-regn{font-family:"IBM Plex Sans",-apple-system,sans-serif;}
.topbar-cred .tag-fee{color:#8FA189;}
.topbar-cred .divider{width:1px;height:10px;background:rgba(255,255,255,.22);display:inline-block;margin:0 11px;}
.topbar .fee-badge{font-family:"IBM Plex Mono",monospace;font-size:.64rem;letter-spacing:.07em;text-transform:uppercase;color:#E7ECE3;border:1px solid rgba(255,255,255,.32);border-radius:20px;padding:3px 13px;white-space:nowrap;flex-shrink:0;}
@media (max-width:640px){.topbar-cred{flex-direction:column;align-items:flex-start;gap:2px;}.topbar-cred .divider{display:none;}}
header.site{background:rgba(246,248,244,.92);backdrop-filter:blur(6px);border-bottom:1px solid var(--border);}
[id^="sebi-"]{scroll-margin-top:96px;}
@media (max-width:640px){[id^="sebi-"]{scroll-margin-top:130px;}}
.nav-inner{max-width:var(--max);margin:0 auto;padding:14px 28px;display:flex;align-items:center;justify-content:space-between;gap:24px;}
.brand{display:flex;flex-direction:row;align-items:center;gap:10px;line-height:1.1;cursor:pointer;flex-shrink:0;}
.brand-text{display:flex;flex-direction:column;align-items:center;}
.brand .name{font-family:"Playfair Display",serif;font-size:1.28rem;font-weight:600;color:var(--ink);white-space:nowrap;}
.brand .tagline{font-family:"Playfair Display",serif;font-weight:500;font-size:.86rem;letter-spacing:.02em;color:var(--sage-deep);margin-top:1px;white-space:nowrap;}
nav.main{display:flex;align-items:center;gap:20px;flex-wrap:nowrap;}
nav.main a{position:relative;font-size:.9rem;color:var(--ink-soft);font-weight:500;white-space:nowrap;padding-bottom:4px;}
nav.main a:hover{color:var(--sage-deep);}
nav.main a.active:not(.nav-cta){color:var(--sage-deep);font-weight:700;}
nav.main a.active:not(.nav-cta)::after{content:"";position:absolute;left:0;right:0;bottom:-6px;height:2px;border-radius:2px;background:var(--gold);}
.nav-cta{background:var(--sage-deep);color:#fff!important;padding:9px 18px;border-radius:3px;font-size:.86rem!important;white-space:nowrap;}
.nav-cta:hover{background:var(--ink);text-decoration:none!important;}
.nav-cta.active{background:var(--ink);}
.nav-toggle{display:none;}
.nav-dropdown{position:relative;display:flex;align-items:center;}
.nav-dropdown .dropdown-toggle{display:inline-flex;align-items:center;justify-content:center;background:none;border:none;padding:0 2px;margin-left:2px;font-size:.85em;color:inherit;cursor:pointer;line-height:1;}
.nav-dropdown>a::after{content:"";}
.nav-dropdown .dropdown-menu{display:none;position:absolute;top:100%;left:0;padding-top:14px;z-index:50;}
.nav-dropdown .dropdown-menu-inner{background:#fff;border:1px solid var(--border);border-radius:6px;box-shadow:0 10px 28px rgba(0,0,0,.10);padding:8px 0;min-width:230px;}
.nav-dropdown:hover .dropdown-menu,.nav-dropdown:focus-within .dropdown-menu,.nav-dropdown.open .dropdown-menu{display:block;}
.nav-dropdown .dropdown-menu a{display:block;padding:8px 16px;font-size:.85rem;color:var(--ink-soft);white-space:normal;font-weight:500;}
.nav-dropdown .dropdown-menu a:hover{background:var(--surface-tint);color:var(--sage-deep);}
.nav-dropdown .dropdown-menu a.active{color:var(--sage-deep);font-weight:700;}
@media (max-width:900px){.nav-inner{flex-wrap:wrap;}nav.main{width:100%;flex-wrap:wrap;gap:16px;padding-top:6px;display:none;}nav.main.open{display:flex;}.nav-toggle{display:inline-block;background:none;border:1px solid var(--border);border-radius:3px;padding:6px 10px;font-size:1rem;cursor:pointer;}.nav-dropdown{display:flex;width:100%;flex-wrap:wrap;align-items:center;}.nav-dropdown>a{flex:1 1 auto;}.nav-dropdown>a::after{content:"";}.nav-dropdown .dropdown-toggle{display:inline-flex;align-items:center;justify-content:center;width:32px;height:32px;background:none;border:1px solid var(--border);border-radius:3px;font-size:1rem;color:var(--ink-soft);cursor:pointer;flex-shrink:0;}.nav-dropdown .dropdown-menu{display:none;position:static;width:100%;padding-top:6px;order:3;}.nav-dropdown.open .dropdown-menu{display:block;}.nav-dropdown .dropdown-menu-inner{box-shadow:none;border:none;padding:4px 0 0 14px;min-width:0;}}
@media (max-width:640px){.brand-strip-inner{flex-direction:column;gap:2px;}}

.hero{padding:72px 0 24px;}
.hero .lede{font-size:1.15rem;max-width:640px;color:var(--ink-soft);}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr;}}
.hero-h1{font-size:clamp(1.5rem,4.5vw,2.05rem);}
@media (min-width:1000px){.hero-h1{white-space:nowrap;font-size:clamp(1.7rem,2.9vw,2.05rem);}}
.hero-h1-wide{font-size:clamp(1.3rem,4vw,1.85rem);}
@media (min-width:1000px){.hero-h1-wide{white-space:nowrap;font-size:clamp(1.3rem,1.85vw,1.85rem);}}
.btn{display:inline-block;padding:12px 26px;border-radius:3px;font-weight:600;font-size:.94rem;border:1px solid transparent;cursor:pointer;}
.btn-primary{background:var(--sage-deep);color:#fff;}
.btn-primary:hover{background:var(--ink);text-decoration:none;}
.btn-ghost{border-color:var(--ink);color:var(--ink);}
.btn-ghost:hover{background:var(--ink);color:#fff;text-decoration:none;}

.pathway-wrap{background:var(--surface);border:1px solid var(--border);border-radius:6px;padding:40px 34px 30px;}
.pathway-wrap svg{width:100%;height:auto;}
.rings-wrap{max-width:340px;margin:0 auto;}
.rings-wrap svg{width:100%;height:auto;}
.rings-you{font-family:"IBM Plex Mono",monospace;font-size:20px;font-weight:700;fill:#fff;letter-spacing:.03em;}
.rings-label{font-family:"IBM Plex Mono",monospace;font-size:13px;fill:var(--ink-soft);letter-spacing:.06em;}
.pathway-caption{display:flex;justify-content:space-between;margin-top:10px;font-family:"IBM Plex Mono",monospace;font-size:.68rem;color:var(--ink-soft);text-transform:uppercase;letter-spacing:.06em;}
.waypoint-label{font-family:"IBM Plex Sans";font-size:14.5px;fill:var(--ink);font-weight:700;}
.waypoint-sub{font-family:"IBM Plex Mono";font-size:11px;fill:var(--ink-soft);}
.waypoint-num{font-family:"IBM Plex Mono";font-size:11px;fill:#fff;font-weight:700;}
.waypoint-age{font-family:"IBM Plex Mono";font-size:10px;fill:var(--sage-deep);font-weight:600;letter-spacing:.03em;}

/* ===== Interactive stage explorer ===== */
.pathway-hint{font-size:.68rem;text-transform:uppercase;letter-spacing:.08em;color:var(--ink-soft);text-align:right;margin-bottom:6px;}
.pathway-axis{stroke:var(--border);stroke-width:1;stroke-dasharray:1 5;}
.pathway-ridge{fill:var(--sage);opacity:.07;}
.wp{cursor:pointer;outline:none;}
.wp .wp-dot{transition:r .16s ease, fill .16s ease;}
.wp .wp-ring{fill:none;stroke:transparent;stroke-width:3;transition:stroke .16s ease, r .16s ease;}
.wp .wp-halo{fill:var(--sage);opacity:.10;transition:opacity .18s ease, fill .18s ease, r .18s ease;}
.wp .pathway-connector{stroke:var(--sage);stroke-opacity:.35;stroke-width:1.4;stroke-dasharray:2 4;transition:stroke .16s ease, stroke-opacity .16s ease;}
.wp .pathway-tick{stroke:var(--border);stroke-width:1.6;transition:stroke .16s ease;}
.wp:hover .wp-dot{fill:#4A6E4E;}
.wp:hover .wp-halo{opacity:.16;}
.wp:focus-visible .wp-ring{stroke:var(--gold);}
.wp.active .wp-dot{r:15;fill:var(--gold);}
.wp.active .wp-halo{fill:var(--gold);opacity:.18;r:29;}
.wp.active .wp-ring{r:23;}
.wp.active .pathway-connector{stroke:var(--gold);stroke-opacity:.6;}
.wp.active .pathway-tick{stroke:var(--gold);}
.wp .waypoint-label,.wp .waypoint-sub{transition:opacity .16s ease;}
.wp:not(.active) .waypoint-label{opacity:.82;}
.wp.active .waypoint-num{fill:#fff;}
.stage-detail{margin-top:22px;padding-top:20px;border-top:1px solid var(--border);display:grid;grid-template-columns:auto 1fr;gap:4px 16px;align-items:start;}
.stage-detail-num{width:34px;height:34px;border-radius:50%;background:var(--gold);color:#fff;display:flex;align-items:center;justify-content:center;font-family:"IBM Plex Mono",monospace;font-weight:700;font-size:.92rem;flex-shrink:0;transition:background .16s ease;}
.stage-detail-title{margin:0;font-size:1.1rem;}
.stage-detail-age{font-family:"IBM Plex Mono",monospace;font-size:.7rem;color:var(--sage-deep);text-transform:uppercase;letter-spacing:.06em;}
.stage-detail-priorities,.stage-detail-help{grid-column:1/-1;font-size:.9rem;margin:10px 0 0;}
.stage-detail-priorities strong,.stage-detail-help strong{color:var(--ink);}

.grid{display:grid;gap:28px;}
.grid-3{grid-template-columns:repeat(3,1fr);}
.grid-2{grid-template-columns:repeat(2,1fr);}
@media (max-width:820px){.grid-3,.grid-2{grid-template-columns:1fr;}}
.card{background:var(--surface);border:1px solid var(--border);border-radius:6px;padding:32px 28px;transition:transform .25s ease, box-shadow .25s ease, border-color .25s ease;}
.reveal{opacity:0;transform:translateY(18px);transition:opacity .55s ease, transform .55s ease;}
.reveal.in-view{opacity:1;transform:translateY(0);}
@media (prefers-reduced-motion: reduce){.reveal{opacity:1;transform:none;transition:none;}}
.card:hover{transform:translateY(-3px);box-shadow:0 10px 26px rgba(38,52,38,.09);border-color:var(--sage);}
.service-icon{width:38px;height:38px;border-radius:8px;background:var(--surface-tint);display:flex;align-items:center;justify-content:center;margin-bottom:16px;color:var(--sage-deep);transition:background .25s ease, color .25s ease, transform .25s ease;}
.service-icon svg{width:20px;height:20px;display:block;transition:transform .25s ease;}
.card:hover .service-icon{background:var(--sage-deep);color:#fff;transform:scale(1.07);}
.card:hover .service-icon svg{transform:rotate(-4deg) scale(1.05);}
.feature-list{list-style:none;padding:0;margin:0 0 14px;}
.feature-list li{display:flex;align-items:flex-start;gap:10px;padding:7px 8px;border-radius:5px;cursor:default;transition:background .2s ease, transform .2s ease;}
.feature-list li:hover{background:var(--surface-tint);transform:translateX(3px);}
.feature-list .li-icon{flex:0 0 auto;width:19px;height:19px;border-radius:50%;background:var(--surface-tint);display:flex;align-items:center;justify-content:center;color:var(--sage-deep);margin-top:1px;transition:background .2s ease, color .2s ease, transform .2s ease;}
.feature-list .li-icon svg{width:11px;height:11px;}
.feature-list li:hover .li-icon{background:var(--sage-deep);color:#fff;transform:scale(1.12);}
.feature-list .li-icon-cross{color:var(--ink-soft);}
.feature-list li:hover .li-icon-cross{background:var(--ink);color:#fff;}
table.fees tbody tr{transition:background .2s ease;}
table.fees tbody tr:hover{background:var(--surface-tint);}
.commitment-list strong{transition:color .2s ease, text-decoration-color .2s ease;text-decoration:underline;text-decoration-color:transparent;text-underline-offset:3px;cursor:default;}
.commitment-list strong:hover{color:var(--sage-deep);text-decoration-color:var(--sage);}
.card-featured{position:relative;border-color:var(--sage-deep);}
.card-badge{position:absolute;top:-13px;left:28px;background:var(--sage-deep);color:#fff;font-family:"IBM Plex Mono",monospace;
  font-size:.72rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;padding:5px 12px;border-radius:20px;}
.fee-count{font-variant-numeric:tabular-nums;font-family:"Playfair Display",serif;font-size:1.5rem;font-weight:600;color:var(--sage-deep);}
.card-price{display:flex;align-items:baseline;gap:10px;flex-wrap:nowrap;margin:2px 0 16px;}
.card-price .amount{font-variant-numeric:tabular-nums;font-family:"Playfair Display",serif;font-size:1.85rem;font-weight:600;color:var(--sage-deep);line-height:1;}
.card-price .label{font-family:"IBM Plex Sans",sans-serif;font-size:.83rem;font-weight:500;letter-spacing:0;text-transform:none;color:var(--ink-soft);white-space:nowrap;}
.band{background:var(--surface-tint);border-top:1px solid var(--border);border-bottom:1px solid var(--border);}
.band-dark{background:var(--ink);color:#E7ECE3;}
.band-dark h2,.band-dark h3{color:#fff;}
.band-dark a{color:#D8E8D3;}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center;}
@media (max-width:820px){.two-col{grid-template-columns:1fr;}}
.stat{font-family:"Playfair Display",serif;font-size:2.2rem;color:var(--sage-deep);font-weight:600;}

table.fees{width:100%;border-collapse:collapse;margin:18px 0;}
table.fees th,table.fees td{text-align:left;padding:14px 16px;border-bottom:1px solid var(--border);font-size:.95rem;}
table.fees th{font-family:"IBM Plex Mono";font-size:.72rem;text-transform:uppercase;letter-spacing:.06em;color:var(--ink-soft);font-weight:600;}
table.fees tr:last-child td{border-bottom:none;}
table.fees th[scope="row"]{font-family:inherit;font-size:.95rem;text-transform:none;letter-spacing:normal;color:var(--ink);font-weight:600;}
.tbd{color:var(--gold);font-family:"IBM Plex Mono";font-size:.88em;border-bottom:1px dashed var(--gold);}
.disclosure-box{border:1px solid var(--border);border-left:4px solid var(--sage-deep);background:var(--surface);padding:20px 22px;border-radius:4px;font-size:.94rem;}
.legal-page .wrap{max-width:820px;}
.legal-page h2{font-size:1.25rem;margin-top:0;}
.legal-page section{padding:36px 0;}
.legal-page section+section{border-top:1px solid var(--border);}
.legal-page .policy-list{margin:14px 0 4px;padding-left:22px;}
.legal-page .policy-list li{margin-bottom:10px;line-height:1.65;}
.legal-page .policy-list li strong{color:var(--ink);}
.legal-updated{font-family:"IBM Plex Mono",monospace;font-size:.78rem;color:var(--ink-soft);text-transform:uppercase;letter-spacing:.06em;}

footer.site{background:var(--ink);color:#C8D3C3;padding:52px 0 28px;}
footer.site h3{color:#fff;font-size:.95rem;}
footer.site a{color:#DCE6D8;}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:40px;}
@media (max-width:820px){.footer-grid{grid-template-columns:1fr;gap:28px;}}
.footer-legal{margin-top:36px;padding-top:24px;border-top:1px solid rgba(255,255,255,.12);font-size:.8rem;color:#9CAB94;line-height:1.7;}
.footer-connect{text-align:center;margin-top:40px;}
.footer-connect .eyebrow{letter-spacing:.18em;}
.social-row{display:flex;gap:14px;justify-content:center;margin-top:16px;}
.social-btn{width:42px;height:42px;border-radius:6px;background:#fff;color:var(--ink);display:flex;align-items:center;justify-content:center;font-family:"IBM Plex Sans";font-weight:700;font-size:1.05rem;text-decoration:none;transition:transform .15s ease;}
.social-btn:hover{transform:translateY(-2px);}
.footer-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;margin-top:18px;font-size:.78rem;color:#899580;}

/* ===== WhatsApp ===== */
/* ============================================================
   WHATSAPP TOUCHPOINT CONVENTION -- read before adding any new one.
   The site has two distinct WhatsApp destinations that must stay
   visually distinguishable at a glance, with no reading required:
     - 1:1 CHAT (wa.me/... direct message)   -> icon-only is fine.
       This is what the floating button below already trained
       visitors to expect from a bare WhatsApp icon.
     - CHANNEL (whatsapp.com/channel/...)     -> icon ALONE is never
       enough. Every channel link must carry visible text next to
       or instead of the icon (see .wa-channel-link below, and the
       homepage's "Follow on WhatsApp" button). A bare icon that
       secretly opens the channel will be misread as the chat button.
   If the channel ever needs an icon-only treatment somewhere new,
   give it a different glyph (e.g. a megaphone/bell), not this one,
   rather than reusing the plain WhatsApp mark bare.
   ============================================================ */
.wa-float{position:fixed;right:22px;bottom:22px;width:58px;height:58px;border-radius:50%;background:#25D366;display:flex;align-items:center;justify-content:center;box-shadow:0 6px 18px rgba(38,60,38,.35);z-index:999;transition:transform .18s ease, box-shadow .18s ease;}
.wa-float:hover{transform:scale(1.07);box-shadow:0 8px 22px rgba(38,60,38,.42);}
.wa-float svg{width:29px;height:29px;}
.wa-float-ring{position:fixed;right:22px;bottom:22px;width:58px;height:58px;border-radius:50%;background:#25D366;opacity:.55;z-index:998;animation:waPulse 2.2s ease-out infinite;pointer-events:none;}
@keyframes waPulse{0%{transform:scale(1);opacity:.45;}100%{transform:scale(1.55);opacity:0;}}
@media (max-width:600px){.wa-float,.wa-float-ring{right:16px;bottom:16px;width:52px;height:52px;}.wa-float svg{width:26px;height:26px;}}

.wa-inline-btn{display:inline-flex;align-items:center;gap:9px;background:#25D366;color:#fff;font-weight:600;padding:11px 18px;border-radius:4px;text-decoration:none;font-size:.92rem;transition:transform .15s ease, box-shadow .15s ease;}
.wa-inline-btn:hover{transform:translateY(-1px);box-shadow:0 4px 12px rgba(37,211,102,.35);}
.wa-inline-btn svg{width:18px;height:18px;flex-shrink:0;}
.social-btn.wa-social{background:#25D366;}
.social-btn.wa-social svg{width:20px;height:20px;}
/* Decorative-only WhatsApp icon (e.g. the footer channel icon) -- kept
   deliberately non-clickable so it can't be mistaken for the chat button.
   The real action always lives in adjacent text (.wa-channel-link etc). */
.social-btn.no-link{cursor:default;}
.social-btn.no-link:hover{transform:none;}
/* Channel links must always carry text -- see convention note above .wa-float */
.wa-channel-link{display:inline-flex;align-items:center;gap:8px;margin-top:18px;padding:9px 18px;border:1px solid var(--border);border-radius:999px;background:#fff;color:var(--ink-soft);font-family:"IBM Plex Sans",sans-serif;font-size:.85rem;font-weight:500;text-decoration:none;transition:transform .15s ease,border-color .15s ease,color .15s ease;}
.footer-connect .wa-channel-link{color:var(--ink-soft);}
.wa-channel-link:hover,.footer-connect .wa-channel-link:hover{transform:translateY(-2px);border-color:#25D366;color:var(--ink);}
.wa-channel-link svg{width:16px;height:16px;flex-shrink:0;}

form.contact-form{display:grid;gap:16px;max-width:560px;}
form.contact-form label{font-family:"IBM Plex Mono";font-size:.72rem;text-transform:uppercase;letter-spacing:.06em;color:var(--ink-soft);margin-bottom:6px;display:block;}
form.contact-form input,form.contact-form textarea,form.contact-form select{width:100%;padding:12px 14px;border:1px solid var(--border);border-radius:3px;font-family:inherit;font-size:.95rem;background:#fff;color:var(--ink);}
form.contact-form textarea{resize:vertical;min-height:120px;}
.contact-meta{display:grid;gap:22px;}

/* ===== FAQ ===== */
.faq-item{border-bottom:1px solid var(--border); padding:22px 0;}
.faq-item summary{
  cursor:pointer; font-weight:600; color:var(--ink); font-family:"Playfair Display",serif; font-size:1.05rem;
  list-style:none; display:flex; justify-content:space-between; align-items:center; gap:16px;
}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary:after{content:'+'; font-size:1.4rem; color:var(--sage-deep); flex-shrink:0;}
.faq-item[open] summary:after{content:'\2013';}
.faq-item p{margin-top:12px; margin-bottom:0;}

/* ===== Comparison cards ===== */
.compare-card{background:var(--surface); border:1px solid var(--border); border-radius:6px; padding:26px;}
.compare-card.highlight{border:1px solid var(--sage-deep); border-left:4px solid var(--sage-deep);}
.compare-card ul{list-style:none; margin:16px 0 0; padding:0;}
.compare-card li{padding:9px 0; border-bottom:1px solid var(--border); font-size:.94rem; display:flex; gap:10px;}
.compare-card li:last-child{border-bottom:none;}
.mark-yes{color:var(--sage-deep); font-weight:700;}
.mark-no{color:#B0685B; font-weight:700;}

.compare-hint{font-family:"IBM Plex Mono",monospace;font-size:.78rem;letter-spacing:.03em;color:var(--ink-soft);text-transform:uppercase;margin:0 0 12px;}
.compare-card li{cursor:pointer;transition:background .15s ease,padding-left .15s ease;border-radius:3px;}
.compare-card li.pair-hover{background:var(--surface-tint);padding-left:8px;}
.compare-card.highlight li.pair-hover{background:#E4EDE1;}
#compareInteractive .feature-list li.pair-hover{background:var(--surface-tint);transform:translateX(3px);}
#compareInteractive .feature-list li.pair-hover .li-icon{background:var(--sage-deep);color:#fff;transform:scale(1.12);}
#compareInteractive .feature-list li.pair-hover .li-icon-cross{background:var(--ink);color:#fff;}

/* ===== Selectable payment-model cards ===== */
.model-card{cursor:pointer;outline-offset:2px;opacity:.72;transition:opacity .25s ease, border-color .25s ease, box-shadow .25s ease, transform .25s ease;}
.model-card:hover{opacity:1;}
.model-card.active{opacity:1;border-color:var(--sage-deep);border-left:4px solid var(--sage-deep);box-shadow:0 10px 26px rgba(38,52,38,.09);transform:translateY(-2px);}
.model-card .model-select-hint{font-family:"IBM Plex Mono",monospace;font-size:.7rem;letter-spacing:.05em;text-transform:uppercase;color:var(--ink-soft);opacity:0;transition:opacity .2s ease;margin-top:14px;}
.model-card.active .model-select-hint{opacity:0;}
.model-card:not(.active):hover .model-select-hint{opacity:1;}
.model-summary{border:1px solid var(--border);border-left:4px solid var(--sage-deep);background:var(--surface-tint);border-radius:4px;padding:18px 22px;margin-top:18px;font-size:.94rem;transition:background .2s ease;}
.model-summary strong{color:var(--ink);}


/* ===== Diagram illustrations ===== */
.diagram-wrap{background:var(--surface); border:1px solid var(--border); border-radius:6px; padding:30px 24px;}
.diagram-wrap svg{width:100%; height:auto;}
.diagram-label{font-family:"IBM Plex Sans"; font-size:13px; fill:var(--ink); font-weight:600;}
.diagram-sub{font-family:"IBM Plex Mono"; font-size:12.5px; fill:var(--ink-soft);}
.diagram-hub-label{font-family:"Playfair Display"; font-size:17px; fill:#fff; font-weight:600;}

/* ===== Interactive components wheel ===== */
.wheel-block{display:flex;flex-direction:column;gap:20px;}
@media (min-width:900px){.wheel-block{flex-direction:row;align-items:stretch;}.wheel-svg-wrap{flex:1 1 68%;}.wheel-detail{flex:1 1 32%;margin-top:0;align-self:center;}}
.components-wheel{overflow:visible;}
.wheel-spoke{stroke:#B7C9B2;stroke-width:2;transition:stroke .25s ease,stroke-width .25s ease;}
.wheel-spoke.active{stroke:var(--gold);stroke-width:3;}
.wheel-hub{fill:var(--ink);transform-box:fill-box;transform-origin:center;animation:wheelHubPulse 4.5s ease-in-out infinite;}
@keyframes wheelHubPulse{0%,100%{transform:scale(1);}50%{transform:scale(1.035);}}
.wheel-node{cursor:pointer;outline:none;}
.wheel-node-halo{fill:var(--gold);opacity:0;transform-box:fill-box;transform-origin:center;transition:opacity .25s ease,transform .25s ease;}
.wheel-node-dot{fill:var(--sage-deep);stroke:transparent;stroke-width:3;transform-box:fill-box;transform-origin:center;transition:fill .2s ease,transform .2s ease,stroke .2s ease;}
.wheel-node:hover .wheel-node-dot{fill:#4A6E4E;transform:scale(1.05);}
.wheel-node:focus-visible .wheel-node-dot{stroke:var(--gold);}
.wheel-node.active .wheel-node-dot{fill:var(--gold);transform:scale(1.1);}
.wheel-node.active .wheel-node-halo{opacity:.16;transform:scale(1.3);}
.wheel-node.active .diagram-hub-label{fill:#1c2a1c;}
.wheel-detail{margin-top:0;}

/* ===== Interactive flow diagram ===== */
.flow-node{cursor:pointer;outline:none;}
.flow-node rect{transition:stroke .16s ease, stroke-width .16s ease, fill .16s ease;}
.flow-node:hover rect{stroke:var(--sage-deep);}
.flow-node.active rect{stroke:var(--sage-deep); stroke-width:2;}
.flow-node:focus-visible rect{stroke:var(--gold); stroke-width:2;}
.flow-path{transition:stroke .18s ease, stroke-width .18s ease, opacity .18s ease;}
.flow-path.dim{opacity:.28;}
.flow-path.hlt{stroke:var(--sage-deep); stroke-width:3; opacity:1;}
.flow-hub-ring{fill:none; stroke:var(--gold); stroke-width:0; transition:stroke-width .18s ease; opacity:.9;}
.flow-hub-ring.on{stroke-width:4;}
.flow-hint{font-size:.68rem;text-transform:uppercase;letter-spacing:.08em;color:var(--ink-soft);margin-bottom:2px;}
.flow-detail{margin-top:22px;padding-top:20px;border-top:1px solid var(--border);min-height:26px;}
.flow-detail-empty{font-size:.9rem;color:var(--ink-soft);font-style:italic;}
.flow-detail-title{margin:0 0 6px;font-size:1.05rem;}
.flow-detail-text{margin:0;font-size:.92rem;}
.orbit-order-label{font-family:"IBM Plex Sans";font-weight:600;font-size:19px;fill:var(--ink);}

.orbit-toggle{display:inline-flex;gap:4px;margin:32px auto 8px;padding:4px;border:1px solid var(--border);border-radius:999px;background:#fff;}
.orbit-toggle-btn{font-family:"IBM Plex Mono",monospace;font-size:.82rem;letter-spacing:.06em;text-transform:uppercase;padding:10px 22px;border-radius:999px;border:none;background:transparent;color:var(--ink-soft);cursor:pointer;transition:background .3s ease,color .3s ease;}
.orbit-toggle-btn:hover{color:var(--ink);}
.orbit-toggle-btn[aria-pressed="true"]{background:var(--sage-deep);color:#fff;}
.orbit-toggle-btn[aria-pressed="true"]:hover{color:#fff;}

.orbit-stage{max-width:600px;margin:24px auto 0;}
.orbit-stage svg{width:100%;height:auto;}

.orbit-node{transform:translate(var(--cx),var(--cy));transition:transform 1.3s cubic-bezier(.65,0,.35,1);}
.orbit-stage.planned .orbit-node{transform:translate(var(--ox),var(--oy));}
.orbit-node circle{transform-box:fill-box;transform-origin:center;}

@keyframes floatA{0%,100%{transform:translate(0,0);}25%{transform:translate(4px,-5px);}50%{transform:translate(-3px,3px);}75%{transform:translate(5px,3px);}}
@keyframes floatB{0%,100%{transform:translate(0,0);}30%{transform:translate(-5px,4px);}60%{transform:translate(4px,-4px);}80%{transform:translate(-2px,-3px);}}
@keyframes floatC{0%,100%{transform:translate(0,0);}40%{transform:translate(3px,5px);}70%{transform:translate(-4px,-3px);}}
.float-wrap{animation-timing-function:ease-in-out;animation-iteration-count:infinite;}
.float-wrap.f1{animation-name:floatA;}
.float-wrap.f2{animation-name:floatB;}
.float-wrap.f3{animation-name:floatC;}
.orbit-stage.planned .float-wrap{animation:none;}

.node-dot{fill:var(--ink-soft);opacity:.8;transition:fill .8s ease,opacity .8s ease;}
.orbit-stage.planned .node-dot{fill:var(--sage-deep);opacity:1;}
.goal-dot-node{fill:var(--sage);transition:fill .8s ease,r .8s ease;}
.orbit-stage.planned .goal-dot-node{fill:var(--gold);r:15;}

.loose-thread{stroke:var(--ink-soft);stroke-width:1.3;stroke-dasharray:2 4;opacity:.4;transition:opacity .5s ease;}
.orbit-stage.planned .loose-thread{opacity:0;}

.ring-fade{opacity:0;transition:opacity 1s ease;}
.orbit-stage.planned .ring-fade{opacity:1;}
@keyframes slowSpin{from{transform:rotate(0deg);}to{transform:rotate(360deg);}}
@keyframes slowSpinReverse{from{transform:rotate(360deg);}to{transform:rotate(0deg);}}
.orbit-stage.planned .orbit-ring-outer{transform-origin:300px 300px;animation:slowSpin 100s linear infinite;}
.orbit-stage.planned .orbit-ring-inner{transform-origin:300px 300px;animation:slowSpinReverse 75s linear infinite;}

.radial-link{stroke:var(--sage);stroke-width:1.5;opacity:0;transition:opacity 1.1s ease .2s;}
.orbit-stage.planned .radial-link{opacity:.6;}
@keyframes breatheLine{0%,100%{opacity:.5;}50%{opacity:.85;}}
.orbit-stage.planned .radial-link{animation:breatheLine 3.5s ease-in-out infinite;}

#youCircle{transition:r 1s ease,fill 1s ease;transform-box:fill-box;transform-origin:center;}
.orbit-stage.planned #youCircle{r:48;fill:var(--gold);}
@keyframes pulseYou{0%,100%{transform:scale(1);}50%{transform:scale(1.05);}}
.orbit-stage.planned #youCircle{animation:pulseYou 3.5s ease-in-out infinite;}

/* ===== Direct vs Regular MF interactive calculator ===== */
.mf-calc{background:var(--surface);border:1px solid var(--border);border-radius:8px;padding:36px 32px;margin-top:36px;text-align:left;}
.mf-inputs{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-bottom:8px;}
@media (max-width:820px){.mf-inputs{grid-template-columns:1fr 1fr;}}
.mf-field label{display:flex;justify-content:space-between;align-items:baseline;font-family:"IBM Plex Sans",sans-serif;font-size:.86rem;font-weight:500;letter-spacing:0;color:var(--ink-soft);margin-bottom:8px;}
.mf-field label .mf-val{font-family:"IBM Plex Mono",monospace;color:var(--ink);font-weight:600;font-size:.85rem;}
.mf-field input[type=range]{width:100%;accent-color:var(--sage-deep);}
.mf-actions{display:flex;align-items:center;gap:14px;flex-wrap:wrap;margin-top:26px;padding-top:22px;border-top:1px solid var(--border);}
.mf-actions .btn.mf-download-btn{display:inline-flex;align-items:center;gap:8px;padding:12px 26px;font-size:.92rem;letter-spacing:.01em;box-shadow:0 3px 10px rgba(79,111,82,.22);}
.mf-actions .btn.mf-download-btn:hover{box-shadow:0 4px 14px rgba(79,111,82,.3);}
.mf-actions .btn{padding:9px 18px;font-size:.82rem;}
.mf-chart-wrap{margin-top:28px;}
.mf-chart-wrap svg{width:100%;height:auto;}
.mf-axis-label{font-family:"IBM Plex Mono"; font-size:11px; fill:var(--ink-soft);}
.mf-legend{display:flex;gap:24px;justify-content:center;margin-top:6px;flex-wrap:wrap;}
.mf-legend span{display:flex;align-items:center;gap:8px;font-size:.85rem;color:var(--ink-soft);}
.mf-legend i{width:14px;height:14px;border-radius:3px;display:inline-block;}
.mf-legend i.regular{background:#B0685B;}
.mf-legend i.direct{background:var(--sage-deep);}
.mf-summary{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:28px;}
@media (max-width:820px){.mf-summary{grid-template-columns:1fr;}}
.mf-stat{background:var(--surface-tint);border-radius:6px;padding:18px 20px;text-align:center;}
.mf-stat .mf-stat-label{font-family:"IBM Plex Sans",sans-serif;font-size:.8rem;font-weight:500;letter-spacing:0;color:var(--ink-soft);}
.mf-stat .mf-stat-value{font-family:"Playfair Display",serif;font-size:1.5rem;color:var(--ink);font-weight:600;margin-top:4px;}
.mf-stat.diff .mf-stat-value{color:var(--sage-deep);}
.mf-stat.loss .mf-stat-value{color:#B0553D;}
.mf-stat.big{padding:24px 20px;}
.mf-stat.big .mf-stat-value{font-size:2.1rem;}
.cw-marker-label{font-family:"IBM Plex Mono",monospace; font-size:.68rem; fill:var(--ink-soft);}
.mf-caption{text-align:center;font-size:.85rem;color:var(--ink-soft);max-width:600px;margin:20px auto 0;}
.mf-field input[type=number]{width:100%;padding:10px 12px;border:1px solid var(--border);border-radius:4px;font-family:"IBM Plex Mono",monospace;font-size:.92rem;color:var(--ink);background:#fff;}
.mf-field input[type=number]:focus{outline:2px solid var(--gold);outline-offset:1px;border-color:var(--sage-deep);}
.mf-field select{width:100%;padding:10px 12px;border:1px solid var(--border);border-radius:4px;font-family:"IBM Plex Mono",monospace;font-size:.92rem;color:var(--ink);background:#fff;}
.mf-field select:focus{outline:2px solid var(--gold);outline-offset:1px;border-color:var(--sage-deep);}
.mf-computed-row{display:flex;justify-content:space-between;align-items:baseline;font-family:"IBM Plex Mono",monospace;font-size:.82rem;color:var(--ink-soft);padding:11px 2px;border-top:1px dashed var(--border);}
.mf-computed-row:first-of-type{border-top:1px dashed var(--border);}
.mf-computed-row .val{color:var(--sage-deep);font-weight:700;font-size:.95rem;}
.mf-field.tight{margin-bottom:16px;}
.mf-cat{font-family:"IBM Plex Sans",sans-serif;font-size:.95rem;font-weight:700;letter-spacing:0;color:var(--sage-deep);margin:22px 0 12px;padding-bottom:6px;border-bottom:1px solid var(--border);}
.mf-cat:first-child{margin-top:0;}
.mf-cat.tag{display:flex;align-items:center;gap:8px;border-bottom:none;border-left:3px solid transparent;padding:7px 12px;border-radius:0 4px 4px 0;font-weight:700;}
.mf-cat.tag::before{content:"";width:7px;height:7px;border-radius:50%;background:currentColor;flex:none;}
.mf-cat.tag-income,.mf-cat.tag-asset{background:rgba(122,158,126,.16);border-left-color:var(--sage-deep);color:var(--sage-deep);}
.mf-cat.tag-essential,.mf-cat.tag-liability{background:rgba(176,104,91,.15);border-left-color:#B0685B;color:#8A4D42;}
.mf-cat.tag-discretionary{background:rgba(201,154,75,.18);border-left-color:#C99A4B;color:#8A6A2F;}
.mf-inputs-3{grid-template-columns:repeat(3,1fr);}
.mf-inputs-2{grid-template-columns:repeat(2,1fr);}
@media (max-width:820px){.mf-inputs-3{grid-template-columns:1fr 1fr;}.mf-inputs-2{grid-template-columns:1fr 1fr;}}
@media (max-width:560px){.mf-inputs-3,.mf-inputs-2{grid-template-columns:1fr;}}
.mf-assets-liab{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:start;}
@media (max-width:820px){.mf-assets-liab{grid-template-columns:1fr;gap:8px;}}
.mf-recommend{background:var(--surface-tint);border-left:3px solid var(--sage-deep);border-radius:4px;padding:14px 18px;margin-top:22px;font-size:.92rem;color:var(--ink-soft);}
.mf-recommend strong{color:var(--ink);}
.mf-charts-row{display:flex;gap:40px;align-items:flex-start;flex-wrap:wrap;margin-top:28px;}
.mf-charts-row .mf-chart-wrap{flex:1 1 380px;margin-top:0;}
.mf-donut-block{flex:0 0 220px;text-align:center;}
.mf-donut-title{font-family:"IBM Plex Sans",sans-serif;font-size:.8rem;font-weight:500;letter-spacing:0;color:var(--ink-soft);margin-bottom:10px;}
.mf-donut-block svg{width:170px;height:170px;}
.mf-donut-center-value{font-family:"Playfair Display",serif;font-weight:600;fill:var(--ink);}
.mf-donut-center-label{font-family:"IBM Plex Sans",sans-serif;fill:var(--ink-soft);letter-spacing:0;}
.mf-donut-block .mf-legend{justify-content:flex-start;flex-direction:column;gap:8px;margin-top:14px;align-items:flex-start;}
@media (max-width:560px){.mf-donut-block .mf-legend{align-items:center;}.mf-donut-block{flex:1 1 100%;}}
.calc-tabs{display:flex;gap:12px;border-bottom:none;margin-top:20px;flex-wrap:wrap;}
.calc-tab{background:var(--surface);border:1.5px solid var(--border);padding:12px 24px;border-radius:30px;font-family:"IBM Plex Sans",sans-serif;font-size:1rem;font-weight:600;color:var(--ink-soft);cursor:pointer;transition:background .18s ease, border-color .18s ease, color .18s ease, box-shadow .18s ease;}
.calc-tab:hover{border-color:var(--sage-deep);color:var(--sage-deep);}
.calc-tab.active{background:var(--sage-deep);border-color:var(--sage-deep);color:#fff;box-shadow:0 3px 10px rgba(79,111,82,.28);}
.calc-tabpanel{display:none;}
.calc-tabpanel.active{display:block;}


/* Page switching */
.preview-banner{background:#FFF6E0;border-bottom:1px solid #E8D9A8;color:#6B5A20;font-size:.82rem;text-align:center;padding:8px 12px;font-family:"IBM Plex Mono",monospace;}
.quote-banner{background:var(--surface-tint); border-bottom:1px solid var(--border); padding:20px 0;}
.quote-banner .wrap{max-width:820px; text-align:center; position:relative; min-height:64px;}
.quote-banner blockquote{margin:0; opacity:0; position:absolute; left:0; right:0; transition:opacity .6s ease;}
.quote-banner blockquote.active{opacity:1; position:relative;}
.quote-banner p.qtext{font-family:"Playfair Display",Georgia,serif; font-size:1.15rem; font-style:normal; font-weight:500; color:var(--ink); margin:0 0 6px; line-height:1.5; letter-spacing:.005em;}
.quote-banner p.qauth{font-family:"IBM Plex Mono",monospace; font-size:.72rem; letter-spacing:.1em; text-transform:uppercase; color:var(--sage-deep); margin:0;}
@media (max-width:640px){.quote-banner p.qtext{font-size:1rem;}}
.fp-stepper{margin-top:4px;}
.stair-svg{width:100%;height:auto;display:block;overflow:visible;}
.stair-tread{fill:var(--surface-tint);stroke:var(--border);stroke-width:1;transition:fill .3s ease,stroke .3s ease;}
.stair-tread.is-done{fill:#E3ECDF;stroke:var(--sage-deep);}
.stair-tread.is-active{fill:#F6E9D6;stroke:var(--gold);stroke-width:1.6;}
.stair-num{font-family:"IBM Plex Mono",monospace;font-size:13px;font-weight:700;fill:var(--ink-soft);transition:fill .3s ease;}
.stair-num.is-done{fill:var(--sage-deep);}
.stair-num.is-active{fill:var(--gold);}
.stair-trail{fill:none;stroke:var(--sage-deep);stroke-width:1.4;stroke-dasharray:2 6;opacity:.4;}
.stair-shadow{fill:#263426;opacity:.15;transition:transform .22s ease-out;}
.stair-walker{transition:transform .22s ease-out;}
.stair-walker-bounce{transform-box:fill-box;transform-origin:50% 100%;}
.stair-walker-bounce.step{animation:stairStep .22s ease-out;}
@keyframes stairStep{0%{transform:translateY(0) rotate(0deg);}45%{transform:translateY(-5px) rotate(var(--lean,0deg));}100%{transform:translateY(0) rotate(0deg);}}
.walker-head{fill:var(--gold);}
.walker-limb,.walker-body{stroke:var(--gold);stroke-width:3;stroke-linecap:round;stroke-linejoin:round;fill:none;}
.stair-track{display:flex;align-items:flex-start;justify-content:space-between;gap:4px;margin-top:2px;}
.stair-node{position:relative;display:flex;flex-direction:column;align-items:center;gap:4px;background:none;border:none;cursor:pointer;flex:1;padding:8px 2px;font-family:inherit;border-radius:6px;transition:background .2s ease;}
.stair-node:hover{background:var(--surface-tint);}
.stair-node-label{font-family:"IBM Plex Mono",monospace;font-size:.68rem;text-transform:uppercase;letter-spacing:.03em;color:var(--ink-soft);text-align:center;max-width:100px;line-height:1.4;transition:color .2s ease;}
.stair-node.active .stair-node-label{color:var(--ink);font-weight:700;}
.stair-node.done .stair-node-label{color:var(--sage-deep);}
.stair-node:focus-visible{outline:2px solid var(--gold);outline-offset:2px;}
.fp-detail{margin-top:38px;background:var(--surface);border:1px solid var(--border);border-radius:8px;padding:32px 34px;display:flex;gap:24px;align-items:flex-start;}
.fp-detail-icon{width:58px;height:58px;border-radius:10px;background:var(--surface-tint);display:flex;align-items:center;justify-content:center;color:var(--sage-deep);flex-shrink:0;}
.fp-detail-icon svg{width:30px;height:30px;}
.fp-detail-step{font-family:"IBM Plex Mono",monospace;font-size:.7rem;text-transform:uppercase;letter-spacing:.06em;color:var(--sage-deep);font-weight:600;}
.fp-detail-title{margin:3px 0 9px;font-size:1.32rem;}
.fp-detail-text{margin:0;font-size:.96rem;}
.fp-detail-body.fp-anim{animation:fpFade .3s ease;}
@keyframes fpFade{from{opacity:0;transform:translateY(7px);}to{opacity:1;transform:translateY(0);}}
@media (max-width:760px){
  .stair-track{flex-wrap:wrap;row-gap:16px;}
  .stair-node{flex:0 0 30%;}
  .fp-detail{flex-direction:column;padding:26px 22px;}
}
@media print{
  .topbar, header.site, .calc-tabs, .mf-actions, .wa-float-ring, .wa-float, footer.site{display:none!important;}
  #page-calculators > section.hero{display:none!important;}
  .print-only-header{display:block!important;font-family:"IBM Plex Mono",monospace;font-size:.85rem;letter-spacing:.03em;color:var(--ink);border-bottom:1px solid var(--border);padding-bottom:10px;margin-bottom:18px;}
  body{background:#fff;}
  .mf-calc{border:none;padding:0;}
  input[type=number]{border:none;background:none;padding:0;color:var(--ink);}
  .hero{padding-bottom:0;}
}
.print-only-header{display:none;}
/* ===================================================================
   Cross-document View Transitions
   Fixes the full-page-reload "flicker" between separate HTML pages
   while keeping every page a real, separately-crawlable URL (good
   for SEO). Progressive enhancement: browsers that don't support it
   (e.g. Firefox) just fall back to a normal navigation - no worse
   than before, never broken.
   =================================================================== */
@view-transition {
  navigation: auto;
}

/* Keep the top credential strip + nav bar visually static across the
   transition (same element identity on both pages -> browser doesn't
   fade it, it just stays put) */
.site-fixed {
  view-transition-name: site-chrome;
}

/* Cross-fade only the page content that actually changes */
#main {
  view-transition-name: main-content;
}

::view-transition-old(main-content),
::view-transition-new(main-content) {
  animation-duration: .38s;
  animation-timing-function: ease-in-out;
}

/* Footer keeps its identity too, so it doesn't flash if it's visible */
footer.site {
  view-transition-name: site-footer;
}

@media (prefers-reduced-motion: reduce) {
  ::view-transition-group(*),
  ::view-transition-old(*),
  ::view-transition-new(*) {
    animation: none !important;
  }
}

/* ===================================================================
   Fit Quiz ("Which plan fits me?")
   =================================================================== */
.quiz-box{background:var(--surface); border:1px solid var(--border); border-radius:16px; padding:36px; max-width:640px; margin:28px auto 0; box-shadow:0 1px 3px rgba(38,52,38,.05);}
.quiz-progress{height:4px; background:var(--surface-tint); border-radius:4px; overflow:hidden; margin-bottom:26px;}
.quiz-progress-bar{height:100%; width:25%; background:var(--sage-deep); transition:width .35s ease;}
.quiz-step{display:none;}
.quiz-step.active{display:block; animation:quizFade .35s ease;}
@keyframes quizFade{from{opacity:0; transform:translateY(6px);} to{opacity:1; transform:translateY(0);}}
.quiz-step h3{font-family:"Playfair Display",serif; font-size:1.25rem; color:var(--ink); margin:0 0 18px;}
.quiz-opt{display:block; width:100%; text-align:left; padding:15px 18px; margin-bottom:10px; border:1px solid var(--border); border-radius:10px; background:var(--surface); cursor:pointer; font-family:"IBM Plex Sans",sans-serif; font-size:.98rem; color:var(--ink); transition:border-color .15s ease, background .15s ease;}
.quiz-opt:hover{border-color:var(--sage-deep); background:var(--surface-tint);}
.quiz-back{display:inline-block; background:none; border:none; color:var(--ink-soft); cursor:pointer; font-size:.86rem; margin-top:4px; padding:0; text-decoration:underline; text-underline-offset:3px;}
.quiz-result-eyebrow{display:block; font-family:"IBM Plex Mono",monospace; font-size:.72rem; letter-spacing:.08em; text-transform:uppercase; color:var(--gold-text); margin-bottom:8px;}
.quiz-result h3{font-family:"Playfair Display",serif; font-size:1.4rem; color:var(--ink); margin:0 0 10px;}
.quiz-result p{margin:0 0 22px;}
.quiz-restart{display:inline-block; margin-top:14px; background:none; border:none; color:var(--ink-soft); cursor:pointer; font-size:.85rem; text-decoration:underline; text-underline-offset:3px; padding:0;}

/* ===================================================================
   Gated resource download (checklist modal)
   =================================================================== */
.resource-card{background:var(--surface-tint); border:1px solid var(--border); border-radius:16px; padding:32px; display:flex; gap:24px; align-items:center; flex-wrap:wrap;}
.resource-card-icon{flex-shrink:0; width:56px; height:56px; border-radius:12px; background:var(--sage-deep); display:flex; align-items:center; justify-content:center; color:#fff; font-size:1.5rem;}
.resource-card-body{flex:1; min-width:220px;}
.resource-card-body h3{margin:0 0 6px; font-family:"Playfair Display",serif; font-size:1.15rem; color:var(--ink);}
.resource-card-body p{margin:0;}

.gate-overlay{position:fixed; inset:0; background:rgba(38,52,38,.55); display:none; align-items:center; justify-content:center; z-index:300; padding:20px;}
.gate-overlay.open{display:flex;}
.gate-modal{background:var(--surface); border-radius:16px; padding:34px; max-width:440px; width:100%; position:relative; max-height:90vh; overflow-y:auto;}
.gate-modal-close{position:absolute; top:14px; right:16px; background:none; border:none; font-size:1.5rem; line-height:1; cursor:pointer; color:var(--ink-soft);}
.gate-modal h3{font-family:"Playfair Display",serif; font-size:1.2rem; color:var(--ink); margin:0 0 6px;}
.gate-modal p.gate-sub{margin:0 0 20px;}
.gate-success{text-align:center; padding:10px 0;}
.gate-success .gate-check{width:52px; height:52px; border-radius:50%; background:var(--sage-deep); color:#fff; display:flex; align-items:center; justify-content:center; font-size:1.5rem; margin:0 auto 14px;}

/* ===================== Real Return Calculator (Calculators page) ===================== */
.rrc-globals{display:flex;gap:36px;flex-wrap:wrap;}
.rrc-field{flex:1;min-width:240px;}
.rrc-field label{display:block;font-size:.85rem;color:var(--ink-soft);margin-bottom:8px;font-weight:500;}
.rrc-field input[type=range]{width:100%;accent-color:var(--sage-deep);}
.rrc-hint{font-size:.8rem;color:#8A9184;margin-top:6px;max-width:640px;}

.rrc-table-wrap{overflow-x:auto;margin-top:28px;}
table.rrc-table{width:100%;border-collapse:collapse;font-size:.92rem;min-width:640px;}
table.rrc-table thead th{text-align:left;font-size:.72rem;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:var(--ink-soft);padding:0 10px 10px;border-bottom:1px solid var(--ink);}
table.rrc-table thead th.num{text-align:right;}
table.rrc-table tbody td{padding:10px;border-bottom:1px solid var(--border);vertical-align:middle;}
table.rrc-table tbody tr:hover{background:var(--surface-tint);}
table.rrc-table td.num{text-align:right;font-family:"IBM Plex Mono",monospace;font-variant-numeric:tabular-nums;}
table.rrc-table td input[type=text]{width:100%;border:none;background:transparent;font-size:.92rem;font-weight:500;color:var(--ink);padding:4px 2px;border-bottom:1px dashed transparent;font-family:"IBM Plex Sans",sans-serif;}
table.rrc-table td input[type=text]:focus{outline:none;border-bottom:1px dashed var(--sage-deep);}
table.rrc-table td input[type=number]{width:64px;font-family:"IBM Plex Mono",monospace;text-align:right;font-size:.9rem;border:1px solid var(--border);border-radius:3px;padding:5px 6px;background:#fff;}
table.rrc-table td select{font-family:"IBM Plex Sans",sans-serif;font-size:.82rem;border:1px solid var(--border);border-radius:3px;padding:5px 6px;background:#fff;color:var(--ink);max-width:180px;}
.rrc-post{color:var(--ink);}
.rrc-real{font-weight:600;}
.rrc-real.pos{color:var(--sage-deep);}
.rrc-real.neg{color:#A1402B;}
.rrc-del{border:none;background:none;color:#B0A890;font-size:1rem;cursor:pointer;padding:2px 6px;}
.rrc-del:hover{color:#A1402B;}

.rrc-table-actions{display:flex;justify-content:space-between;align-items:center;margin-top:18px;flex-wrap:wrap;gap:12px;}
.rrc-legend{display:flex;gap:16px;font-size:.78rem;color:var(--ink-soft);flex-wrap:wrap;}
.rrc-legend span{display:inline-flex;align-items:center;gap:6px;}
.rrc-legend i{width:10px;height:10px;border-radius:2px;display:inline-block;}

.rrc-bar-row{display:grid;grid-template-columns:180px 1fr;gap:16px;align-items:center;margin-bottom:20px;}
.rrc-bar-label{font-size:.88rem;font-weight:500;color:var(--ink);}
.rrc-bar-track{position:relative;height:34px;}
.rrc-bar-axis{position:absolute;top:0;bottom:0;left:0;right:0;border-left:1px solid var(--border);}
.rrc-bar{position:absolute;top:6px;height:8px;border-radius:2px;}
.rrc-bar.nominal{background:#C9C2A8;top:2px;}
.rrc-bar.posttax{background:var(--gold);top:13px;}
.rrc-bar.real{top:24px;}
.rrc-bar.real.pos{background:var(--sage-deep);}
.rrc-bar.real.neg{background:#A1402B;}
.rrc-bar-val{position:absolute;font-family:"IBM Plex Mono",monospace;font-size:.72rem;color:var(--ink-soft);top:-1px;}

@media (max-width:640px){
  .rrc-globals{flex-direction:column;gap:18px;}
  table.rrc-table thead{display:none;}
  table.rrc-table, table.rrc-table tbody, table.rrc-table tr, table.rrc-table td{display:block;width:100%;min-width:0;}
  table.rrc-table tbody tr{border:1px solid var(--border);border-radius:6px;margin-bottom:12px;padding:10px;overflow:hidden;}
  table.rrc-table td{border:none;padding:6px 0;display:flex;justify-content:space-between;align-items:center;gap:8px;box-sizing:border-box;}
  table.rrc-table td::before{content:attr(data-label);font-size:.72rem;color:var(--ink-soft);flex:0 0 38%;box-sizing:border-box;}
  table.rrc-table td input[type=text],
  table.rrc-table td input[type=number],
  table.rrc-table td select{flex:0 0 58%;width:58%;max-width:58%;box-sizing:border-box;text-align:right;}
  table.rrc-table td:last-child{justify-content:flex-end;}
  table.rrc-table td:last-child::before{content:none;flex:0;}
  .rrc-bar-row{grid-template-columns:1fr;}
}