/* ==========================================================================
   Prompt Financial Plan Management — styles.css
   Mobile-first. WCAG 2.2 AA colour pairs noted beside tokens.
   ========================================================================== */

/* ---------- Tokens ---------- */
:root {
  --violet: #6A3FB5;
  --cyan: #3FC8F0;
  --navy: #2A2350;          /* body text: 14.6:1 on white */
  --navy-deep: #211B44;
  --ink-soft: #4A4468;      /* secondary text: 8.6:1 on white */
  --tint: #E6F7FD;
  --tint-soft: #F3FAFD;
  --cream: #FBF8F4;
  --coral: #FF7A59;         /* decoration / focus ring only */
  --white: #FFFFFF;
  --line: #E4E1EE;
  --btn-a: #5B30AE;         /* white text 8.7:1 */
  --btn-b: #1E6CB5;         /* white text 5.2:1 */
  --link: #5B30AE;
  --on-dark-accent: #7FDAF6;/* on navy: 9.9:1 */
  --on-dark-soft: #D9D5EE;  /* on navy: 11:1 */

  --grad: linear-gradient(120deg, var(--violet) 0%, var(--cyan) 100%);
  --grad-btn: linear-gradient(120deg, var(--btn-a) 0%, var(--btn-b) 100%);

  --font: "Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  --r-lg: 20px;
  --r-md: 16px;
  --r-sm: 12px;
  --shadow: 0 12px 32px -20px rgba(42, 35, 80, .35);
  --wrap: 1180px;
  --gutter: 16px;
  --angle: 28px;
}

/* ---------- Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 96px; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition: none !important; }
}
body {
  margin: 0;
  font-family: var(--font);
  font-size: 1.125rem;      /* 18px */
  line-height: 1.65;
  color: var(--navy);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
h1, h2, h3, h4 { margin: 0; line-height: 1.15; letter-spacing: -.02em; color: var(--navy); font-weight: 700; }
p { margin: 0; }
ul, ol { margin: 0; }
a { color: var(--link); text-underline-offset: 3px; text-decoration-thickness: 1.5px; }
a:hover { color: var(--navy); }
:focus-visible { outline: 3px solid var(--coral); outline-offset: 3px; border-radius: 6px; }
.visually-hidden {
  position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}
.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 var(--gutter); }
.skip-link {
  position: absolute; left: 16px; top: -80px; z-index: 100;
  background: var(--navy); color: #fff; padding: 12px 18px; border-radius: var(--r-sm); font-weight: 700;
}
.skip-link:focus { top: 12px; color: #fff; }
.stack { display: flex; flex-direction: column; gap: 20px; }
.stack-sm { display: flex; flex-direction: column; gap: 12px; }
.center { text-align: center; align-items: center; margin-left: auto; margin-right: auto; }
.muted { color: var(--ink-soft); }
.small { font-size: 1rem; }

/* ---------- Typography ---------- */
.h-xl { font-size: clamp(2.375rem, 6vw + .5rem, 3.75rem); line-height: 1.08; letter-spacing: -.025em; }
.h-l  { font-size: clamp(1.875rem, 3vw + .75rem, 2.625rem); }
.h-m  { font-size: 1.5rem; }
.lead { font-size: 1.1875rem; color: var(--ink-soft); line-height: 1.6; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-size: .8125rem; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--btn-a);
}
.eyebrow::before { content: ""; width: 20px; height: 6px; border-radius: 999px; background: var(--grad); }
.gtext { background: linear-gradient(100deg, var(--btn-a) 10%, var(--btn-b) 90%); -webkit-background-clip: text; background-clip: text; color: transparent; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 52px; padding: 0 24px; border-radius: var(--r-sm);
  font: 700 1.0625rem/1.2 var(--font); text-decoration: none; text-align: center;
  border: 0; cursor: pointer; transition: transform .15s ease, box-shadow .15s ease, background-color .15s ease;
}
.btn svg { flex-shrink: 0; }
.btn-primary { background: var(--grad-btn); color: #fff; }
.btn-primary:hover { color: #fff; transform: translateY(-1px); box-shadow: 0 10px 20px -12px rgba(91, 48, 174, .7); }
.btn-outline { background: #fff; color: var(--navy); box-shadow: inset 0 0 0 2px var(--navy); }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-light { background: #fff; color: var(--navy); }
.btn-light:hover { background: var(--tint); color: var(--navy); }
.btn-sm { min-height: 46px; padding: 0 18px; font-size: 1rem; }
.btn-block { width: 100%; }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; }
.btn-row .btn { flex: 1 1 100%; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, .97);
  border-bottom: 1px solid var(--line);
}
@supports (backdrop-filter: blur(8px)) { .site-header { background: rgba(255, 255, 255, .9); backdrop-filter: blur(10px); } }
.header-inner { display: flex; align-items: center; gap: 16px; min-height: 72px; }
.brand { display: flex; align-items: center; gap: 10px; color: var(--navy); text-decoration: none; flex-shrink: 0; }
.brand:hover { color: var(--navy); }
.brand-mono {
  width: 44px; height: 44px; border-radius: 50%; background: #fff; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  box-shadow: inset 0 0 0 3px #CFEFFB, 0 6px 16px -8px rgba(42, 35, 80, .4);
}
.brand-mono img { width: 24px; height: auto; }
.brand-word { display: flex; flex-direction: column; line-height: 1.05; }
.brand-word b { font-weight: 800; font-size: .875rem; letter-spacing: .02em; }
.brand-word span { font-weight: 600; font-size: .625rem; letter-spacing: .14em; color: var(--ink-soft); }
.header-actions { margin-left: auto; display: flex; align-items: center; gap: 10px; }
.header-tel { display: none; }
.header-signup { display: none; }
.nav-toggle {
  display: inline-flex; align-items: center; gap: 8px; min-height: 48px; padding: 0 16px;
  border-radius: 999px; border: 0; background: var(--navy); color: #fff; font: 700 1rem var(--font); cursor: pointer;
}
.nav-toggle .icon-close { display: none; }
.nav-toggle[aria-expanded="true"] .icon-open { display: none; }
.nav-toggle[aria-expanded="true"] .icon-close { display: block; }
.site-nav { display: none; }
.site-nav.is-open {
  display: block; position: absolute; left: 0; right: 0; top: 100%;
  background: #fff; border-bottom: 1px solid var(--line); box-shadow: var(--shadow);
  max-height: calc(100vh - 72px); overflow-y: auto;
}
.site-nav ul { list-style: none; padding: 12px var(--gutter) 20px; display: flex; flex-direction: column; gap: 4px; }
.site-nav a {
  display: flex; align-items: center; min-height: 52px; padding: 0 16px; border-radius: var(--r-sm);
  color: var(--navy); text-decoration: none; font-weight: 700; font-size: 1.125rem;
}
.site-nav a:hover { background: var(--tint); }
.site-nav a[aria-current="page"] { background: var(--tint); box-shadow: inset 4px 0 0 var(--violet); }
.site-nav .nav-extra { margin-top: 8px; display: grid; gap: 10px; }
.site-nav .nav-extra a { justify-content: center; }
.site-nav .nav-extra .btn-primary { color: #fff; }
.site-nav .nav-extra .btn-primary:hover { background: var(--grad-btn); color: #fff; }
/* No-JS fallback: always show the nav as a simple list */
.no-js .nav-toggle { display: none; }
.no-js .site-nav { display: block; position: static; box-shadow: none; border: 0; }
.no-js .header-inner { flex-wrap: wrap; }

/* ---------- Decorative pills ---------- */
.pill { position: absolute; border-radius: 999px; background: var(--grad); transform: rotate(-38deg); pointer-events: none; }

/* ---------- Sections ---------- */
.section { padding: 64px 0; position: relative; }
.section-head { display: flex; flex-direction: column; gap: 14px; margin-bottom: 36px; max-width: 720px; }
.section-head.center { text-align: center; align-items: center; }
.bg-tint { background: var(--tint-soft); }
.bg-cream { background: var(--cream); }
.bg-navy { background: var(--navy); color: #fff; }
.bg-navy h2, .bg-navy h3 { color: #fff; }
.bg-navy .lead { color: var(--on-dark-soft); }
.bg-navy .eyebrow { color: var(--on-dark-accent); }
.bg-navy a:not(.btn) { color: var(--on-dark-accent); }
.angle-top { clip-path: polygon(0 var(--angle), 100% 0, 100% 100%, 0 100%); margin-top: calc(var(--angle) * -1); padding-top: calc(64px + var(--angle)); }
.angle-bottom { clip-path: polygon(0 0, 100% 0, 100% calc(100% - var(--angle)), 0 100%); padding-bottom: calc(64px + var(--angle)); }
.overflow-hidden { overflow: hidden; }

/* ---------- Media frames ---------- */
.frame { border-radius: var(--r-lg); overflow: hidden; background: linear-gradient(135deg, #EDE6F8, #D9F3FC); margin: 0; }
.frame img { width: 100%; height: 100%; object-fit: cover; }
.frame-arch { border-radius: 999px 999px var(--r-lg) var(--r-lg); }
.frame-leaf { border-radius: var(--r-lg) 160px var(--r-lg) var(--r-lg); }
.frame-leaf-l { border-radius: 160px var(--r-lg) var(--r-lg) var(--r-lg); }

/* ---------- Home hero ---------- */
.hero { position: relative; overflow: hidden; padding: 40px 0 96px; background: linear-gradient(180deg, var(--cream) 0%, #fff 100%); }
.hero-grid { display: grid; gap: 40px; position: relative; z-index: 1; }
.hero-copy { display: flex; flex-direction: column; gap: 22px; }
.hero-art { position: relative; max-width: 520px; width: 100%; margin: 0 auto; }
.hero-art .frame { aspect-ratio: 687 / 749; }
.hero-chip {
  position: absolute; z-index: 2; display: flex; gap: 12px; align-items: center;
  background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 10px 14px;
  font-weight: 700; font-size: .9375rem; line-height: 1.3; box-shadow: 0 14px 30px -22px rgba(42, 35, 80, .5);
}
.hero-chip small { display: block; font-weight: 600; color: var(--ink-soft); font-size: .8125rem; }
.hero-chip.one { left: -6px; top: 18%; }
.hero-chip.two { right: -6px; bottom: 8%; }
.ico-tile { width: 44px; height: 44px; border-radius: 12px; background: var(--tint); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.ico-tile.warm { background: #FFE7E0; }
.badges { list-style: none; padding: 0; display: flex; flex-wrap: wrap; gap: 8px; }
.badge {
  display: inline-flex; align-items: center; gap: 8px; background: #fff; border: 1px solid var(--line);
  border-radius: 999px; padding: 6px 14px 6px 8px; font-size: .9375rem; font-weight: 600;
}
.badge i { width: 24px; height: 24px; border-radius: 50%; background: var(--grad-btn); display: inline-flex; align-items: center; justify-content: center; flex-shrink: 0; }

/* ---------- Inner page hero ---------- */
.page-hero { position: relative; overflow: hidden; background: var(--tint); padding: 48px 0 88px; clip-path: polygon(0 0, 100% 0, 100% calc(100% - var(--angle)), 0 100%); }
.page-hero .wrap { position: relative; z-index: 1; }
.page-hero .lead { max-width: 680px; margin-top: 16px; }
.page-hero .btn-row { margin-top: 28px; }
.breadcrumbs ol { list-style: none; padding: 0; display: flex; flex-wrap: wrap; gap: 8px; font-size: .9375rem; color: var(--ink-soft); margin-bottom: 14px; }
.breadcrumbs li + li::before { content: "/"; margin-right: 8px; }

/* ---------- Promise tiles ---------- */
.tiles { display: grid; gap: 16px; position: relative; z-index: 2; margin-top: -56px; }
.tile {
  position: relative; overflow: hidden; background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: 28px 26px; display: flex; flex-direction: column; gap: 10px; box-shadow: 0 18px 40px -28px rgba(42, 35, 80, .5);
}
.tile::before { content: ""; position: absolute; inset: 0 0 auto 0; height: 5px; background: var(--grad); }
.tile h3 { font-size: 1.0625rem; letter-spacing: .12em; text-transform: uppercase; font-weight: 800; }
.tile p { color: var(--ink-soft); }
.tile-ico { width: 56px; height: 56px; border-radius: 14px; background: var(--grad-btn); display: flex; align-items: center; justify-content: center; }

/* ---------- Trust strip ---------- */
.trust { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); margin-top: 48px; }
.trust ul { list-style: none; padding: 20px 0; display: grid; gap: 16px; }
.trust li { display: flex; align-items: center; gap: 12px; font-size: .96875rem; font-weight: 600; }
.trust small { display: block; font-weight: 500; color: var(--ink-soft); font-size: .875rem; }
.trust .ico-tile { width: 40px; height: 40px; }

/* ---------- Cards ---------- */
.cards { list-style: none; padding: 0; display: grid; gap: 12px; }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-md);
  padding: 20px; display: flex; gap: 16px; align-items: flex-start; transition: box-shadow .2s ease;
}
.card:hover { box-shadow: var(--shadow); }
.card h3 { font-size: 1.125rem; font-weight: 800; line-height: 1.3; margin-bottom: 4px; }
.card p { font-size: 1rem; color: var(--ink-soft); line-height: 1.55; }
.illo { width: 56px; height: 56px; border-radius: 14px; background: var(--tint); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }

/* ---------- Split layouts ---------- */
.split { display: grid; gap: 36px; align-items: center; }
.split .frame { aspect-ratio: 11 / 10; }
.ticks { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 12px; }
.ticks li { position: relative; padding-left: 40px; }
.ticks li::before { content: ""; position: absolute; left: 0; top: 3px; width: 26px; height: 26px; border-radius: 50%; background: var(--grad-btn); }
.ticks li::after { content: ""; position: absolute; left: 9px; top: 9px; width: 6px; height: 11px; border: solid #fff; border-width: 0 3px 3px 0; transform: rotate(45deg); }
.note { background: #fff; border: 1px solid var(--line); border-radius: var(--r-md); padding: 22px; display: flex; gap: 16px; align-items: flex-start; }
.note p { font-size: 1.0625rem; }
.compare { display: grid; gap: 12px; }
.compare > div { background: #fff; border-radius: var(--r-md); padding: 20px; border: 1px solid var(--line); }
.compare h3 { font-size: 1.125rem; font-weight: 800; margin-bottom: 4px; }
.compare p { font-size: 1rem; color: var(--ink-soft); }

/* ---------- Steps ---------- */
.steps { list-style: none; padding: 0; display: grid; gap: 16px; position: relative; }
.step { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 24px; display: grid; grid-template-columns: auto 1fr; gap: 6px 16px; align-items: center; }
.step-n {
  width: 52px; height: 52px; border-radius: 50%; background: var(--grad-btn); color: #fff;
  font-size: 1.375rem; font-weight: 700; display: flex; align-items: center; justify-content: center; box-shadow: 0 0 0 6px #EEF8FC;
}
.step h3 { font-size: 1.25rem; font-weight: 800; }
.step p { grid-column: 1 / -1; color: var(--ink-soft); }

/* Timeline (How it works) */
.timeline { list-style: none; padding: 0; display: flex; flex-direction: column; }
.tl-item { display: grid; grid-template-columns: 56px minmax(0, 1fr); gap: 16px; padding-bottom: 32px; position: relative; }
.tl-item::before { content: ""; position: absolute; left: 25px; top: 60px; bottom: 0; width: 4px; border-radius: 4px; background: linear-gradient(var(--violet), var(--cyan)); opacity: .3; }
.tl-item:last-child::before { display: none; }
.tl-item h3 { font-size: 1.3125rem; font-weight: 800; margin-bottom: 6px; }
.tl-item p { color: var(--ink-soft); }

/* Monthly flow */
.flow { list-style: none; padding: 0; display: grid; gap: 16px; }
.flow li { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 24px; display: flex; flex-direction: column; gap: 10px; }
.flow h3 { font-size: 1.1875rem; font-weight: 800; }
.flow p { font-size: 1.03125rem; color: var(--ink-soft); }
.flow .flow-n { font-size: .8125rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--btn-a); }

/* ---------- Split CTA ---------- */
.cta-split { display: grid; position: relative; }
.cta-panel { position: relative; overflow: hidden; padding: 56px var(--gutter) 80px; display: flex; flex-direction: column; gap: 16px; align-items: flex-start; color: #fff; }
.cta-panel h2 { color: #fff; }
.cta-panel p { color: #EAE6F8; font-size: 1.1875rem; max-width: 440px; }
.cta-panel .btn { width: 100%; }
.cta-a { background: linear-gradient(120deg, #4E2A97 0%, #1E5FA3 100%); clip-path: polygon(0 0, 100% 0, 100% calc(100% - var(--angle)), 0 100%); }
.cta-b { background: var(--navy); margin-top: calc(var(--angle) * -1); padding-top: calc(56px + var(--angle)); clip-path: polygon(0 var(--angle), 100% 0, 100% 100%, 0 100%); }
.cta-panel .pill { opacity: .45; }

/* ---------- Testimonials ---------- */
.quotes { list-style: none; padding: 0; display: grid; gap: 16px; }
.quote { background: #fff; border: 1px dashed #CBC4E0; border-radius: var(--r-lg); padding: 26px; display: flex; flex-direction: column; gap: 16px; margin: 0; height: 100%; }
.quote blockquote { margin: 0; font-style: italic; color: var(--ink-soft); }
.quote-mark { width: 48px; height: 48px; border-radius: 14px; background: var(--grad); display: flex; align-items: center; justify-content: center; }
.tag { align-self: flex-start; font-size: .8125rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; background: #FFE7E0; color: #8A2A12; padding: 4px 10px; border-radius: 999px; }
.who { display: flex; gap: 12px; align-items: center; font-weight: 700; font-size: 1rem; }
.who i { width: 44px; height: 44px; border-radius: 50%; background: linear-gradient(135deg, #EDE6F8, #D9F3FC); flex-shrink: 0; }
.who small { display: block; font-weight: 500; color: var(--ink-soft); }

/* ---------- Languages ---------- */
.langs { list-style: none; padding: 0; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; }
.langs li { display: flex; flex-direction: column; background: rgba(255, 255, 255, .08); border: 1px solid rgba(255, 255, 255, .18); border-radius: 16px; padding: 12px 16px; }
.langs b { font-size: 1.125rem; color: #fff; }
.langs span { font-size: .9375rem; color: #BFE9F8; }

/* ---------- FAQ ---------- */
.faq { display: flex; flex-direction: column; gap: 12px; max-width: 880px; margin: 0 auto; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: 14px; }
.faq details[open] { border-color: #CFC4EA; }
.faq summary {
  list-style: none; cursor: pointer; display: flex; align-items: center; justify-content: space-between; gap: 16px;
  padding: 16px 18px; min-height: 60px; font-weight: 700; font-size: 1.09375rem; border-radius: 14px;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary:hover { background: var(--tint-soft); }
.faq .pm { width: 34px; height: 34px; border-radius: 50%; background: var(--tint); flex-shrink: 0; display: flex; align-items: center; justify-content: center; transition: transform .2s ease; }
.faq details[open] .pm { background: var(--grad-btn); transform: rotate(45deg); }
.faq details[open] .pm svg { stroke: #fff; }
.faq .answer { padding: 0 18px 20px; color: var(--ink-soft); display: flex; flex-direction: column; gap: 10px; }
.faq-layout { display: grid; gap: 28px; }
.faq-toc { display: flex; flex-wrap: wrap; gap: 8px; }
.faq-toc a { display: inline-flex; align-items: center; min-height: 48px; padding: 0 16px; border-radius: 999px; background: var(--tint); color: var(--navy); font-weight: 700; text-decoration: none; }
.faq-toc a:hover { background: #D3F0FB; }
.faq-group { display: flex; flex-direction: column; gap: 16px; margin-bottom: 44px; }
.faq-group .faq { max-width: none; margin: 0; }

/* ---------- Forms ---------- */
.panel { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 24px; }
.form-grid { display: grid; gap: 20px; }
.field { display: flex; flex-direction: column; gap: 8px; }
.field label, .field .label { font-weight: 700; font-size: 1rem; }
.field label small { font-weight: 500; color: var(--ink-soft); }
.field input, .field select, .field textarea {
  font: 400 1.0625rem var(--font); color: var(--navy); background: #fff;
  border: 2px solid #A9A1C6; border-radius: var(--r-sm); padding: 12px 14px; min-height: 52px; width: 100%;
}
.field textarea { min-height: 140px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: 3px solid var(--coral); outline-offset: 1px; border-color: var(--btn-a); }
.field [aria-invalid="true"] { border-color: #B42318; }
.hint { font-size: .90625rem; color: var(--ink-soft); }
.error-msg { font-size: .9375rem; color: #B42318; font-weight: 600; }
.error-msg:empty { display: none; }
.check { display: flex; gap: 12px; align-items: flex-start; font-size: 1rem; }
.check input { width: 24px; height: 24px; margin-top: 2px; accent-color: var(--btn-a); flex-shrink: 0; }
.hp-field { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.form-status { border-radius: var(--r-md); padding: 18px 20px; font-weight: 600; }
.form-status[hidden] { display: none; }
.form-status.success { background: #E7F6EC; color: #14532D; border: 1px solid #A7D9B7; }
.form-status.error { background: #FDECEA; color: #8A1C12; border: 1px solid #F3B4AC; }
.contact-grid { display: grid; gap: 28px; align-items: start; }
.info-cards { display: flex; flex-direction: column; gap: 12px; }
.info-card { background: #fff; border: 1px solid var(--line); border-radius: var(--r-md); padding: 20px; display: flex; gap: 14px; align-items: flex-start; }
.info-card h3 { font-size: 1.0625rem; font-weight: 800; margin-bottom: 2px; }
.info-card.dark { background: var(--navy); color: #fff; border-color: var(--navy); }
.info-card.dark h3 { color: #fff; }
.info-card.dark p { color: #E4E0F5; }
.info-card.dark .ico-tile { background: rgba(255, 255, 255, .1); }
.big-link { font-weight: 800; font-size: 1.375rem; color: var(--navy); }

/* ---------- Providers ---------- */
.mailbox { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 28px; display: flex; flex-direction: column; gap: 16px; box-shadow: var(--shadow); position: relative; overflow: hidden; }
.mailbox .addr { font-size: clamp(1.375rem, 2.6vw, 2rem); font-weight: 800; color: var(--navy); word-break: break-word; }
.mailbox .addr:hover { color: var(--btn-a); }
.checklist { list-style: none; padding: 0; display: grid; gap: 12px; }
.checklist li { position: relative; padding-left: 40px; }
.checklist li::before { content: ""; position: absolute; left: 0; top: 3px; width: 26px; height: 26px; border-radius: 50%; background: var(--grad-btn); }
.checklist li::after { content: ""; position: absolute; left: 9px; top: 9px; width: 6px; height: 11px; border: solid #fff; border-width: 0 3px 3px 0; transform: rotate(45deg); }
.stats { display: grid; gap: 16px; }
.stat { background: var(--navy); color: #fff; border-radius: var(--r-lg); padding: 26px; display: flex; flex-direction: column; gap: 6px; }
.stat b { font-size: 3rem; line-height: 1; font-weight: 800; color: var(--on-dark-accent); }
.stat span { color: #E4E0F5; }

/* ---------- About ---------- */
.values { list-style: none; padding: 0; display: grid; gap: 16px; }
.value { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 28px; display: flex; flex-direction: column; gap: 10px; }
.value .num { font-size: 3rem; font-weight: 800; line-height: 1; }
.value h3 { font-size: 1.375rem; font-weight: 800; }
.value p { color: var(--ink-soft); }
.creds { display: grid; gap: 12px; margin: 0; }
.creds div { background: rgba(255, 255, 255, .07); border: 1px solid rgba(255, 255, 255, .16); border-radius: var(--r-md); padding: 18px 20px; }
.creds dt { font-size: .8125rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--on-dark-accent); }
.creds dd { margin: 4px 0 0; font-size: 1.1875rem; font-weight: 700; color: #fff; }
.team { list-style: none; padding: 0; display: grid; gap: 24px; }
.team .frame { aspect-ratio: 6 / 7; margin-bottom: 14px; }
.team h3 { font-size: 1.25rem; font-weight: 800; }
.team p { color: var(--ink-soft); font-size: 1rem; }

/* ---------- Prose (legal pages) ---------- */
.prose { max-width: 760px; }
.prose h2 { font-size: 1.5rem; margin: 40px 0 12px; }
.prose p, .prose ul { margin: 0 0 14px; }
.prose ul { padding-left: 1.3em; }
.prose li { margin-bottom: 6px; }
.callout { background: #FFF4E5; border: 1px solid #F5C98A; color: #5C3A00; border-radius: var(--r-md); padding: 16px 18px; font-size: 1rem; margin-bottom: 28px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-deep); color: var(--on-dark-soft); padding-top: calc(56px + var(--angle)); margin-top: calc(var(--angle) * -1); clip-path: polygon(0 var(--angle), 100% 0, 100% 100%, 0 100%); position: relative; overflow: hidden; }
.footer-grid { display: grid; gap: 32px; }
.site-footer h2 { color: #fff; font-size: .9375rem; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 12px; }
.site-footer a { color: #fff; text-decoration: none; }
.site-footer a:hover { color: var(--on-dark-accent); text-decoration: underline; }
.site-footer ul { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 2px; }
.site-footer ul a { display: inline-flex; align-items: center; min-height: 40px; }
.site-footer .brand { color: #fff; }
.site-footer .brand-word span { color: #BFB8E3; }
.reg { display: inline-flex; gap: 12px; align-items: center; background: rgba(255, 255, 255, .07); border: 1px solid rgba(255, 255, 255, .14); border-radius: 14px; padding: 12px 14px; font-size: .9375rem; line-height: 1.45; color: #fff; }
.acknowledgement { margin-top: 40px; padding: 24px 0; border-top: 1px solid rgba(255, 255, 255, .12); font-size: .96875rem; }
.acknowledgement b { color: #fff; }
.footer-base { border-top: 1px solid rgba(255, 255, 255, .12); padding: 20px 0 28px; display: flex; flex-direction: column; gap: 10px; font-size: .9375rem; color: #BFB8E3; }
.footer-base ul { flex-direction: row; flex-wrap: wrap; gap: 4px 20px; }

/* Mobile quick-action dock */
.dock {
  position: sticky; bottom: 0; z-index: 40; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px;
  padding: 10px var(--gutter) max(12px, env(safe-area-inset-bottom));
  background: rgba(255, 255, 255, .97); box-shadow: 0 -10px 24px -16px rgba(42, 35, 80, .45);
}
.dock .btn { min-height: 50px; padding: 0 12px; font-size: 1rem; }

/* ==========================================================================
   ≥ 600px
   ========================================================================== */
@media (min-width: 600px) {
  :root { --gutter: 24px; --angle: 40px; }
  .btn-row .btn { flex: 0 0 auto; }
  .cta-panel .btn { width: auto; }
  .cards { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
  .card { flex-direction: column; padding: 26px 24px; }
  .langs { display: flex; flex-wrap: wrap; }
  .langs li { min-width: 130px; }
  .compare { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .form-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .form-grid .full { grid-column: 1 / -1; }
  .panel { padding: 36px; }
  .trust ul { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .flow { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .checklist { grid-template-columns: repeat(2, minmax(0, 1fr)); column-gap: 32px; }
  .footer-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer-base { flex-direction: row; flex-wrap: wrap; justify-content: space-between; }
  .creds { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .creds .span-2 { grid-column: 1 / -1; }
  .brand-word b { font-size: 1rem; }
  .brand-word span { font-size: .71875rem; }
  .brand-mono { width: 52px; height: 52px; }
  .brand-mono img { width: 28px; }
}

/* ==========================================================================
   ≥ 900px
   ========================================================================== */
@media (min-width: 900px) {
  .section { padding: 104px 0; }
  .section-head { margin-bottom: 52px; }
  .angle-top { padding-top: calc(104px + var(--angle)); }
  .angle-bottom { padding-bottom: calc(104px + var(--angle)); }
  .hero { padding: 80px 0 120px; }
  .hero-grid { grid-template-columns: minmax(0, 1.05fr) minmax(0, .95fr); gap: 56px; align-items: center; }
  .hero-art { margin: 0; }
  .hero-chip.one { left: -36px; }
  .hero-chip.two { right: -24px; }
  .page-hero { padding: 72px 0 120px; }
  .tiles { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; margin-top: -72px; }
  .tile { padding: 30px; }
  .trust ul { grid-template-columns: repeat(4, minmax(0, 1fr)); padding: 22px 0; }
  .cards.cols-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .split { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 64px; }
  .split.top { align-items: start; }
  .split .sticky { position: sticky; top: 112px; }
  .steps { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; }
  .steps::before { content: ""; position: absolute; top: 58px; left: 12%; right: 12%; height: 3px; border-radius: 999px; background: var(--grad); opacity: .25; }
  .step { display: flex; flex-direction: column; align-items: flex-start; gap: 12px; padding: 32px 28px; position: relative; }
  .step-n { width: 64px; height: 64px; font-size: 1.75rem; margin-bottom: 4px; }
  .tl-item { grid-template-columns: 72px minmax(0, 1fr); gap: 24px; padding-bottom: 40px; }
  .tl-item::before { left: 34px; top: 72px; }
  .tl-item .step-n { width: 72px; height: 72px; }
  .flow { grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 20px; }
  .cta-split { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); }
  .cta-panel { padding: 88px 64px; min-height: 360px; justify-content: center; }
  .cta-a { clip-path: polygon(0 0, 100% 0, 88% 100%, 0 100%); padding-right: 120px; z-index: 1; }
  .cta-b { margin: 0 0 0 -12%; padding: 88px 64px 88px calc(12% + 64px); clip-path: none; }
  .quotes { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; }
  .faq summary { padding: 20px 26px; font-size: 1.1875rem; min-height: 64px; }
  .faq .answer { padding: 0 26px 24px; }
  .faq-layout { grid-template-columns: 240px minmax(0, 1fr); gap: 56px; align-items: start; }
  .faq-toc { position: sticky; top: 112px; flex-direction: column; background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 12px; }
  .faq-toc a { background: transparent; border-radius: var(--r-sm); }
  .faq-toc a:hover { background: var(--tint); }
  .contact-grid { grid-template-columns: minmax(0, 1.5fr) minmax(0, 1fr); gap: 40px; }
  .panel { padding: 40px; }
  .mailbox { padding: 36px; }
  .stats { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; }
  .values { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; }
  .team { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .footer-grid { grid-template-columns: minmax(0, 1.4fr) repeat(3, minmax(0, 1fr)); gap: 48px; }
  .dock { display: none; }
}

/* ==========================================================================
   ≥ 1140px — full desktop navigation
   ========================================================================== */
@media (min-width: 1140px) {
  .header-inner { min-height: 80px; gap: 24px; }
  .nav-toggle { display: none; }
  .site-nav, .site-nav.is-open { display: block; position: static; box-shadow: none; border: 0; background: none; max-height: none; overflow: visible; margin-left: auto; }
  .site-nav ul { flex-direction: row; padding: 0; gap: 2px; }
  .site-nav a { min-height: 44px; padding: 0 12px; font-size: .96875rem; font-weight: 600; border-radius: 999px; }
  .site-nav a[aria-current="page"] { background: transparent; box-shadow: inset 0 -3px 0 var(--violet); border-radius: 0; }
  .site-nav .nav-extra { display: none; }
  .header-actions { margin-left: 0; }
  .header-tel { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; color: var(--navy); text-decoration: none; min-height: 44px; }
  .header-signup { display: inline-flex; }
  .no-js .header-inner { flex-wrap: nowrap; }
}

/* ---------- Print ---------- */
@media print {
  .site-header, .dock, .cta-split, .pill, .skip-link { display: none !important; }
  .page-hero, .site-footer, .angle-top, .angle-bottom { clip-path: none !important; margin: 0 !important; }
  body { font-size: 12pt; }
  a[href^="http"]::after { content: " (" attr(href) ")"; }
}

/* Four-up card grid on wide screens */
@media (min-width: 900px) { .cards.cols-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); } }
@media (min-width: 900px) and (max-width: 1139px) { .cards.cols-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.info-card.dark a { color: var(--on-dark-accent); }

/* Keep content above decorative pills; keep short labels on one line */
.section > .wrap, .site-footer > .wrap, .cta-panel > * { position: relative; z-index: 1; }
.pill { z-index: 0; }
.btn, .site-nav a, .header-tel { white-space: nowrap; }
@media (min-width: 1140px) and (max-width: 1279px) {
  .site-nav a { padding: 0 9px; font-size: .9375rem; }
  .header-tel span { display: none; }
}
@media (max-width: 899px) {
  .hero > .pill, .cta-panel .pill, .page-hero > .pill { display: none; }
}
@media (max-width: 899px) {
  .hero-chip.one { top: auto; bottom: -20px; left: 8px; }
  .hero-chip.two { display: none; }
}

/* ==========================================================================
   v3 — look & feel refresh + new components
   ========================================================================== */

/* Bolder, warmer type */
.h-xl { font-weight: 800; letter-spacing: -.03em; }
.h-l  { font-weight: 800; }
.lead { color: var(--ink-soft); }

/* Top info bar */
.topbar { background: var(--navy); color: #E4E0F5; font-size: .875rem; }
.topbar-in { display: flex; align-items: center; justify-content: space-between; gap: 8px 24px; min-height: 40px; flex-wrap: wrap; }
.topbar-item { display: inline-flex; align-items: center; gap: 8px; margin: 0; }
.topbar-hide { display: none; }
.topbar-tel { display: inline-flex; align-items: center; gap: 6px; color: #fff; font-weight: 700; text-decoration: none; min-height: 40px; }
.topbar-tel:hover { color: var(--on-dark-accent); }
@media (min-width: 900px) { .topbar-hide { display: inline-flex; } }

/* Header accent line */
.site-header { box-shadow: 0 1px 0 var(--line); }
.site-header::after { content: ""; position: absolute; left: 0; right: 0; bottom: -1px; height: 3px; background: var(--grad); opacity: .9; }

/* Hero: soft gradient glow behind the photo */
.hero { background: radial-gradient(900px 480px at 92% 0%, #E6F7FD 0%, rgba(230,247,253,0) 70%), radial-gradient(700px 420px at 0% 100%, #F1EBFA 0%, rgba(241,235,250,0) 70%), linear-gradient(180deg, var(--cream) 0%, #fff 100%); }
.hero-art::before {
  content: ""; position: absolute; inset: 6% -4% -4% 8%; border-radius: 40% 60% 55% 45% / 50% 45% 55% 50%;
  background: var(--grad); opacity: .22; filter: blur(2px); z-index: 0;
}
.hero-art .frame { position: relative; z-index: 1; box-shadow: 0 30px 60px -30px rgba(42, 35, 80, .55); }
.hero-chip { z-index: 3; }

/* Four promise tiles */
@media (min-width: 600px) { .tiles-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 1140px) { .tiles-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 20px; } .tiles-4 .tile { padding: 26px 24px; } }
.tile { transition: transform .2s ease, box-shadow .2s ease; }
.tile:hover { transform: translateY(-3px); box-shadow: 0 24px 44px -26px rgba(42, 35, 80, .55); }

/* Cards: gradient ring on hover */
.card { position: relative; }
.card:hover { box-shadow: 0 0 0 2px #CFC4EA, var(--shadow); }
.illo { background: linear-gradient(135deg, #F1EBFA, #E6F7FD); }

/* Section header with button on the right */
.section-head-row { display: flex; flex-wrap: wrap; align-items: flex-end; justify-content: space-between; gap: 16px 32px; margin-bottom: 36px; }
.section-head-row .section-head { margin-bottom: 0; }

/* Guide cards */
.guides { list-style: none; padding: 0; display: grid; gap: 20px; }
.guide-card { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); overflow: hidden; display: flex; flex-direction: column; position: relative; transition: transform .2s ease, box-shadow .2s ease; }
.guide-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.guide-card:focus-within { box-shadow: 0 0 0 3px var(--coral); }
.guide-top { height: 120px; background: var(--grad-btn); display: flex; align-items: center; justify-content: center; position: relative; overflow: hidden; }
.guide-top::after { content: ""; position: absolute; width: 220px; height: 64px; border-radius: 999px; background: rgba(255,255,255,.14); transform: rotate(-38deg); right: -60px; bottom: -10px; }
.guide-body { padding: 22px 24px 26px; display: flex; flex-direction: column; gap: 10px; flex: 1; }
.guide-body h3 { font-size: 1.1875rem; font-weight: 800; line-height: 1.3; }
.guide-body h3 a { color: var(--navy); text-decoration: none; }
.guide-body h3 a::after { content: ""; position: absolute; inset: 0; } /* whole card clickable */
.guide-body p { color: var(--ink-soft); font-size: 1rem; }
.guide-more { margin-top: auto; display: inline-flex; align-items: center; gap: 6px; font-weight: 700; color: var(--btn-a); }
.guide-tag { align-self: flex-start; font-size: .75rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--btn-a); background: #F1EBFA; padding: 4px 10px; border-radius: 999px; }
.guide-tag.on-tint { background: #fff; }
.guides-sm .guide-body { padding: 20px; }
@media (min-width: 900px) { .guides { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; } }

/* Guide article layout */
.guide-layout { display: grid; gap: 32px; }
.guide-prose { max-width: 760px; }
.guide-prose h2 { font-size: 1.5rem; margin: 36px 0 12px; }
.guide-prose p, .guide-prose ul, .guide-prose ol { margin: 0 0 14px; }
.guide-prose ul, .guide-prose ol { padding-left: 1.3em; }
.guide-prose li { margin-bottom: 8px; }
.steps-list li::marker { font-weight: 800; color: var(--btn-a); }
.aside-card { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 24px; display: flex; flex-direction: column; gap: 12px; }
@media (min-width: 900px) {
  .guide-layout { grid-template-columns: minmax(0, 1fr) 300px; gap: 56px; align-items: start; }
  .guide-aside { position: sticky; top: 112px; }
}

/* Comparison table */
.compare-table { overflow-x: auto; margin: 8px 0 24px; border: 1px solid var(--line); border-radius: var(--r-md); }
.compare-table table { width: 100%; border-collapse: collapse; min-width: 560px; font-size: 1rem; }
.compare-table th, .compare-table td { padding: 14px 16px; text-align: left; vertical-align: top; border-bottom: 1px solid var(--line); }
.compare-table thead th { background: var(--navy); color: #fff; font-weight: 700; }
.compare-table thead th:nth-child(3) { background: var(--btn-a); }
.compare-table tbody th { font-weight: 700; background: var(--tint-soft); width: 28%; }
.compare-table tr:last-child th, .compare-table tr:last-child td { border-bottom: 0; }

/* Budget cards */
.budget-cards { display: grid; gap: 16px; margin: 16px 0 24px; }
.budget-card { background: #fff; border: 1px solid var(--line); border-radius: var(--r-md); padding: 22px; border-top: 5px solid var(--violet); }
.budget-card:nth-child(2) { border-top-color: var(--btn-b); }
.budget-card:nth-child(3) { border-top-color: var(--cyan); }
.guide-prose .budget-card h2 { margin: 0 0 8px; font-size: 1.25rem; }
.budget-card ul { margin-bottom: 0; }
@media (min-width: 900px) { .budget-cards { grid-template-columns: repeat(3, minmax(0, 1fr)); } }

/* Useful links */
.link-list { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 12px; }
.link-list li { background: #fff; border: 1px solid var(--line); border-radius: var(--r-md); padding: 18px 20px; display: flex; flex-direction: column; gap: 2px; }
.link-list a { font-weight: 800; font-size: 1.0625rem; }
.link-list span { color: var(--ink-soft); font-size: .96875rem; }

/* States + regions */
.states { list-style: none; padding: 0; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; }
.states li { background: #fff; border: 1px solid var(--line); border-radius: var(--r-md); padding: 14px 16px; display: flex; flex-direction: column; }
.states b { font-size: 1.375rem; font-weight: 800; background: linear-gradient(100deg, var(--btn-a), var(--btn-b)); -webkit-background-clip: text; background-clip: text; color: transparent; }
.states span { font-size: .9375rem; color: var(--ink-soft); }
@media (min-width: 600px) { .states { grid-template-columns: repeat(4, minmax(0, 1fr)); } }
.regions { display: grid; gap: 16px; }
.region { background: #fff; border: 1px solid var(--line); border-radius: var(--r-md); padding: 20px 22px; }
.region h3 { font-size: 1.125rem; font-weight: 800; margin-bottom: 6px; }
.region p { color: var(--ink-soft); font-size: 1rem; }
@media (min-width: 600px) { .regions { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 1140px) { .regions { grid-template-columns: repeat(4, minmax(0, 1fr)); } }

/* Choose PFPM steps */
.choose-grid { display: grid; gap: 28px; }
.choose-steps { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 14px; }
.choose-steps li { display: grid; grid-template-columns: 52px minmax(0, 1fr); gap: 16px; background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .14); border-radius: var(--r-md); padding: 20px; }
.choose-steps h3 { color: #fff; font-size: 1.1875rem; font-weight: 800; margin-bottom: 4px; }
.choose-steps p { color: var(--on-dark-soft); }
.choose-steps .step-n { box-shadow: 0 0 0 5px rgba(255,255,255,.08); }
.details-card { background: #fff; color: var(--navy); border-radius: var(--r-lg); padding: 26px; box-shadow: 0 24px 50px -30px rgba(0,0,0,.6); }
.details-card h3 { font-size: 1.25rem; font-weight: 800; margin-bottom: 14px; color: var(--navy) !important; }
.details-card dl { margin: 0 0 14px; display: flex; flex-direction: column; }
.details-card dl div { display: flex; justify-content: space-between; gap: 16px; padding: 10px 0; border-bottom: 1px dashed var(--line); flex-wrap: wrap; }
.details-card dt { color: var(--ink-soft); font-size: .96875rem; }
.details-card dd { margin: 0; font-weight: 800; }
.details-card a { color: var(--btn-a) !important; }
.details-card .small { color: var(--ink-soft); }
@media (min-width: 900px) { .choose-grid { grid-template-columns: minmax(0, 1.3fr) minmax(0, 1fr); gap: 40px; align-items: start; } }

/* Inline note in form */
.note-inline { display: flex; gap: 10px; align-items: flex-start; background: var(--tint-soft); border-radius: var(--r-sm); padding: 12px 14px; font-size: .96875rem; margin: 0; }
.note-inline svg { flex-shrink: 0; margin-top: 2px; }

/* Pre-footer CTA band */
.prefooter { padding: 24px 0 88px; background: #fff; }
.prefooter-card {
  position: relative; overflow: hidden; border-radius: 28px; padding: 40px 24px; color: #fff;
  background: linear-gradient(120deg, #4E2A97 0%, #1E5FA3 100%);
  display: flex; flex-direction: column; gap: 22px; box-shadow: 0 30px 60px -36px rgba(42, 35, 80, .8);
}
.prefooter-card > * { position: relative; z-index: 1; }
.prefooter-card .pill { z-index: 0; }
.prefooter-card h2 { color: #fff; }
.prefooter-copy p { color: #EAE6F8; font-size: 1.1875rem; margin-top: 8px; }
.btn-ghost-light { background: transparent; color: #fff; box-shadow: inset 0 0 0 2px #fff; }
.btn-ghost-light:hover { background: #fff; color: var(--navy); }
@media (min-width: 900px) {
  .prefooter-card { flex-direction: row; align-items: center; justify-content: space-between; padding: 52px 56px; }
  .prefooter-card .btn-row { flex-shrink: 0; }
}
.bg-cream + .prefooter, .bg-tint + .prefooter { background: transparent; }
.guide-layout > * { min-width: 0; }


/* ==========================================================================
   v4 — illustrations, gentle motion, waves, quiz, animated flow
   ========================================================================== */

/* ---- Wavy section edges (replace straight angles) ---- */
.angle-top, .site-footer {
  clip-path: none;
  -webkit-mask: url("data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A//www.w3.org/2000/svg%22%20viewBox%3D%220%200%201440%2060%22%20preserveAspectRatio%3D%22none%22%3E%3Cpath%20d%3D%22M0%2034C180%206%20360%206%20540%2026s360%2034%20540%2020%20270-34%20360-30V60H0z%22%20fill%3D%22%23000%22/%3E%3C/svg%3E") top / 100% var(--angle) no-repeat, linear-gradient(#000, #000) 0 calc(var(--angle) - 1px) / 100% 100% no-repeat;
          mask: url("data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A//www.w3.org/2000/svg%22%20viewBox%3D%220%200%201440%2060%22%20preserveAspectRatio%3D%22none%22%3E%3Cpath%20d%3D%22M0%2034C180%206%20360%206%20540%2026s360%2034%20540%2020%20270-34%20360-30V60H0z%22%20fill%3D%22%23000%22/%3E%3C/svg%3E") top / 100% var(--angle) no-repeat, linear-gradient(#000, #000) 0 calc(var(--angle) - 1px) / 100% 100% no-repeat;
}
.angle-bottom, .page-hero {
  clip-path: none;
  -webkit-mask: url("data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A//www.w3.org/2000/svg%22%20viewBox%3D%220%200%201440%2060%22%20preserveAspectRatio%3D%22none%22%3E%3Cpath%20d%3D%22M0%200h1440v30c-180%2026-360%2026-540%206S540%202%20360%2016%2090%2052%200%2046z%22%20fill%3D%22%23000%22/%3E%3C/svg%3E") bottom / 100% var(--angle) no-repeat, linear-gradient(#000, #000) 0 0 / 100% calc(100% - var(--angle) + 1px) no-repeat;
          mask: url("data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A//www.w3.org/2000/svg%22%20viewBox%3D%220%200%201440%2060%22%20preserveAspectRatio%3D%22none%22%3E%3Cpath%20d%3D%22M0%200h1440v30c-180%2026-360%2026-540%206S540%202%20360%2016%2090%2052%200%2046z%22%20fill%3D%22%23000%22/%3E%3C/svg%3E") bottom / 100% var(--angle) no-repeat, linear-gradient(#000, #000) 0 0 / 100% calc(100% - var(--angle) + 1px) no-repeat;
}
.angle-top.angle-bottom {
  -webkit-mask: url("data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A//www.w3.org/2000/svg%22%20viewBox%3D%220%200%201440%2060%22%20preserveAspectRatio%3D%22none%22%3E%3Cpath%20d%3D%22M0%2034C180%206%20360%206%20540%2026s360%2034%20540%2020%20270-34%20360-30V60H0z%22%20fill%3D%22%23000%22/%3E%3C/svg%3E") top / 100% var(--angle) no-repeat, url("data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A//www.w3.org/2000/svg%22%20viewBox%3D%220%200%201440%2060%22%20preserveAspectRatio%3D%22none%22%3E%3Cpath%20d%3D%22M0%200h1440v30c-180%2026-360%2026-540%206S540%202%20360%2016%2090%2052%200%2046z%22%20fill%3D%22%23000%22/%3E%3C/svg%3E") bottom / 100% var(--angle) no-repeat, linear-gradient(#000, #000) 0 calc(var(--angle) - 1px) / 100% calc(100% - 2 * var(--angle) + 2px) no-repeat;
          mask: url("data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A//www.w3.org/2000/svg%22%20viewBox%3D%220%200%201440%2060%22%20preserveAspectRatio%3D%22none%22%3E%3Cpath%20d%3D%22M0%2034C180%206%20360%206%20540%2026s360%2034%20540%2020%20270-34%20360-30V60H0z%22%20fill%3D%22%23000%22/%3E%3C/svg%3E") top / 100% var(--angle) no-repeat, url("data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A//www.w3.org/2000/svg%22%20viewBox%3D%220%200%201440%2060%22%20preserveAspectRatio%3D%22none%22%3E%3Cpath%20d%3D%22M0%200h1440v30c-180%2026-360%2026-540%206S540%202%20360%2016%2090%2052%200%2046z%22%20fill%3D%22%23000%22/%3E%3C/svg%3E") bottom / 100% var(--angle) no-repeat, linear-gradient(#000, #000) 0 calc(var(--angle) - 1px) / 100% calc(100% - 2 * var(--angle) + 2px) no-repeat;
}
@media print { .angle-top, .angle-bottom, .page-hero, .site-footer { -webkit-mask: none; mask: none; } }

/* ---- Soft gradient-mesh backgrounds ---- */
.bg-tint { background: radial-gradient(640px 320px at 8% 18%, rgba(106,63,181,.08), transparent 70%), radial-gradient(720px 380px at 92% 82%, rgba(63,200,240,.12), transparent 70%), #F3FAFD; }
.bg-cream { background: radial-gradient(600px 300px at 90% 10%, rgba(255,122,89,.06), transparent 70%), radial-gradient(640px 320px at 5% 90%, rgba(106,63,181,.06), transparent 70%), var(--cream); }
.bg-navy { background: radial-gradient(700px 360px at 85% 15%, rgba(63,200,240,.16), transparent 70%), radial-gradient(600px 320px at 10% 90%, rgba(106,63,181,.35), transparent 70%), var(--navy); }
.page-hero { background: radial-gradient(700px 360px at 90% 10%, rgba(255,255,255,.7), transparent 70%), radial-gradient(640px 320px at 5% 95%, rgba(106,63,181,.10), transparent 70%), var(--tint); }

/* ---- Illustrations ---- */
.illus { display: block; width: 100%; height: auto; }
.illus-hero { max-width: 460px; margin: 0 auto; }
.illus-lg { max-width: 480px; margin: 0 auto; }
.illus-panel { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 24px; box-shadow: 0 24px 50px -36px rgba(42,35,80,.5); }
.bg-tint .illus-panel { background: rgba(255,255,255,.85); }

/* Inner page headers with art */
.page-hero-grid { display: grid; gap: 28px; align-items: center; }
.page-hero-art.photo .frame { aspect-ratio: 11 / 9; max-width: 520px; margin: 0 auto; box-shadow: 0 30px 60px -34px rgba(42,35,80,.55); }
.page-hero.has-art .pill { display: none; }
@media (min-width: 900px) {
  .page-hero.has-art .page-hero-grid { grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr); gap: 56px; }
}
@media (max-width: 599px) { .page-hero-art { max-width: 320px; margin: 0 auto; width: 100%; } }

/* Home steps with illustrations */
.step-illus { grid-column: 1 / -1; max-width: 240px; margin: -6px auto 6px; }
@media (min-width: 900px) { .step-illus { max-width: 100%; margin: -8px 0 4px; } .steps::before { display: none; } }

/* Guide covers */
.guide-top { height: auto; padding: 14px 18px 4px; background: linear-gradient(135deg, #F1EBFA, #E6F7FD); }
.guide-top::after { display: none; }
.guide-illus { max-height: 170px; width: auto; margin: 0 auto; }

/* ---- Stats band ---- */
.stats-band { padding: 8px 0 72px; }
.stats-row { list-style: none; padding: 0; display: grid; gap: 16px; }
.stats-row li { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 24px; display: flex; align-items: center; gap: 18px; }
.stats-row b { font-size: 3.25rem; line-height: 1; font-weight: 800; letter-spacing: -.03em; min-width: 3.2ch; background: linear-gradient(100deg, var(--btn-a), var(--btn-b)); -webkit-background-clip: text; background-clip: text; color: transparent; font-variant-numeric: tabular-nums; }
.stats-row span { color: var(--ink-soft); font-weight: 600; }
@media (min-width: 900px) { .stats-row { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; } .stats-band { padding-bottom: 96px; } }

/* ---- Quiz ---- */
.quiz-section { padding-top: 40px; }
.quiz-wrap { display: grid; gap: 32px; align-items: start; }
.quiz { display: flex; flex-direction: column; gap: 18px; }
.quiz-q { border: 0; padding: 0; margin: 0; }
.quiz-q legend { font-weight: 700; font-size: 1.09375rem; display: flex; gap: 12px; align-items: flex-start; margin-bottom: 10px; padding: 0; }
.quiz-num { flex-shrink: 0; width: 30px; height: 30px; border-radius: 50%; background: var(--grad-btn); color: #fff; font-size: .9375rem; display: inline-flex; align-items: center; justify-content: center; }
.quiz-opts { display: flex; flex-wrap: wrap; gap: 10px; padding-left: 42px; }
.quiz-opts label { position: relative; }
.quiz-opts input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.quiz-opts span { display: inline-flex; align-items: center; min-height: 48px; padding: 0 20px; border-radius: 999px; border: 2px solid #A9A1C6; font-weight: 700; cursor: pointer; background: #fff; transition: background-color .15s ease, border-color .15s ease; }
.quiz-opts input:checked + span { background: var(--navy); border-color: var(--navy); color: #fff; }
.quiz-opts input:focus-visible + span { outline: 3px solid var(--coral); outline-offset: 2px; }
.quiz-opts label:hover span { border-color: var(--btn-a); }
.quiz-result { border-radius: var(--r-md); padding: 22px; background: linear-gradient(135deg, #F1EBFA, #E6F7FD); border: 1px solid #CFC4EA; display: flex; flex-direction: column; gap: 10px; }
.quiz-result h3 { font-size: 1.3125rem; font-weight: 800; }
.quiz-result[hidden] { display: none; }
@media (min-width: 900px) { .quiz-wrap { grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: 56px; } }

/* ---- Animated invoice journey ---- */
.flow-track { display: none; }
@media (min-width: 900px) {
  .flow-anim { position: relative; padding-top: 44px; }
  .flow-anim li:not(.flow-track) { position: relative; }
  .flow-anim li:not(.flow-track)::before { content: ""; position: absolute; top: -37px; left: 50%; width: 16px; height: 16px; margin-left: -8px; border-radius: 50%; background: #fff; border: 4px solid var(--violet); }
  .flow-track { display: block; position: absolute; top: 13px; left: 12.5%; right: 12.5%; height: 4px; border-radius: 4px; background: linear-gradient(90deg, var(--violet), var(--cyan)); opacity: .9; padding: 0; border: 0; background-clip: padding-box; grid-column: 1 / -1; }
  .flow-dot { position: absolute; top: -8px; left: 0; width: 20px; height: 20px; border-radius: 50%; background: var(--coral); box-shadow: 0 0 0 6px rgba(255,122,89,.22); }
}
@media (min-width: 900px) and (prefers-reduced-motion: no-preference) {
  .flow-dot { animation: pfpm-travel 7s cubic-bezier(.65,0,.35,1) infinite; }
  @keyframes pfpm-travel { 0%, 6% { left: 0; } 30%, 36% { left: calc(33.33% - 10px); } 60%, 66% { left: calc(66.66% - 10px); } 92%, 100% { left: calc(100% - 20px); } }
}
@media (prefers-reduced-motion: reduce) { .flow-dot { display: none; } }

/* ---- Photo strip ---- */
.photo-strip { list-style: none; padding: 0; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }
.photo-strip .frame { aspect-ratio: 3 / 4; border-radius: var(--r-lg); box-shadow: 0 20px 40px -30px rgba(42,35,80,.6); }
@media (min-width: 900px) {
  .photo-strip { grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 20px; }
  .photo-strip li:nth-child(even) { transform: translateY(28px); }
  .photo-strip-section { padding-bottom: 136px; }
}

/* ---- Gentle scroll reveal (only when JS is on and motion is allowed) ---- */
@media (prefers-reduced-motion: no-preference) {
  html.motion .reveal { opacity: 0; transform: translateY(18px); transition: opacity .6s ease, transform .6s cubic-bezier(.2,.7,.2,1); transition-delay: var(--d, 0ms); }
  html.motion .reveal.in { opacity: 1; transform: none; }
  .btn-primary svg, .guide-more svg { transition: transform .2s ease; }
  .btn-primary:hover svg, .guide-card:hover .guide-more svg { transform: translateX(3px); }
  .hero-chip { animation: pfpm-bob 6s ease-in-out infinite; }
  .hero-chip.two { animation-delay: -3s; }
  @keyframes pfpm-bob { 0%, 100% { translate: 0 0; } 50% { translate: 0 -6px; } }
}

/* Keep decorative pills out of the layout flow inside panels */
.prefooter-card > .pill, .cta-panel > .pill { position: absolute; z-index: 0; }
.prefooter-copy { max-width: 560px; }

/* ==========================================================================
   v5 — livelier hero, trust ticker, self-drawing art, help widget, tabs,
        smooth page transitions (all motion is opt-out via reduce-motion)
   ========================================================================== */

/* ---- Hero ---- */
.hero-h1 .w { display: inline-block; }
.hero-extra { display: none; }
@media (min-width: 900px) { .hero-extra { display: block; } }
@media (prefers-reduced-motion: no-preference) {
  .hero-h1 .w { opacity: 0; transform: translateY(.45em); animation: pf-word .75s cubic-bezier(.2,.7,.2,1) forwards; animation-delay: calc(var(--i) * 90ms + 120ms); }
  .hero-copy > .eyebrow { animation: pf-fade .6s ease both; }
  .hero-copy > .lead { animation: pf-up .7s ease .65s both; }
  .hero-copy > .btn-row { animation: pf-up .7s ease .8s both; }
  .hero .badge { animation: pf-pop .5s cubic-bezier(.2,.9,.3,1.3) both; }
  .hero .badge:nth-child(1) { animation-delay: 1s; } .hero .badge:nth-child(2) { animation-delay: 1.1s; } .hero .badge:nth-child(3) { animation-delay: 1.2s; }
  .hero-art .frame { animation: pf-zoom 1s cubic-bezier(.2,.7,.2,1) .2s both; }
  .hero .hero-chip.one { animation: pf-pop .6s cubic-bezier(.2,.9,.3,1.3) 1s both, pfpm-bob 6s ease-in-out 1.6s infinite; }
  .hero .hero-chip.two { animation: pf-pop .6s cubic-bezier(.2,.9,.3,1.3) 1.2s both, pfpm-bob 6s ease-in-out 1.8s infinite; }
  .drift { animation: pf-drift 14s ease-in-out infinite; }
  .drift.d2 { animation-duration: 11s; animation-delay: -4s; }
  .drift.d3 { animation-duration: 17s; animation-delay: -8s; }
  .hero-art[data-parallax] { will-change: transform; }
  @keyframes pf-word { to { opacity: 1; transform: none; } }
  @keyframes pf-fade { from { opacity: 0; } }
  @keyframes pf-up { from { opacity: 0; transform: translateY(14px); } }
  @keyframes pf-pop { from { opacity: 0; transform: scale(.85); } }
  @keyframes pf-zoom { from { opacity: 0; transform: scale(.96); } }
  @keyframes pf-drift { 0%, 100% { translate: 0 0; } 50% { translate: -18px 14px; } }
}

/* ---- Trust ticker ---- */
.ticker { position: relative; background: var(--navy); color: #fff; margin-top: 48px; display: flex; align-items: center; overflow: hidden; }
.ticker + .trust { margin-top: 0; border-top: 0; }
.ticker-viewport { flex: 1; overflow: hidden; display: flex; -webkit-mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent); mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent); }
.ticker-track { list-style: none; margin: 0; padding: 0; display: flex; flex-shrink: 0; gap: 0; }
.ticker-track li { display: inline-flex; align-items: center; gap: 10px; padding: 16px 28px; white-space: nowrap; font-weight: 700; font-size: 1rem; }
.ticker-track li + li { border-left: 1px solid rgba(255,255,255,.14); }
.ticker-clone { display: none; }
.ticker-toggle { display: none; flex-shrink: 0; width: 44px; height: 44px; margin: 0 10px; border-radius: 50%; border: 2px solid rgba(255,255,255,.5); background: transparent; color: #fff; cursor: pointer; align-items: center; justify-content: center; }
.ticker-toggle:hover { background: rgba(255,255,255,.12); }
.ticker-toggle .i-play { display: none; }
.ticker.is-paused .ticker-toggle .i-play { display: block; }
.ticker.is-paused .ticker-toggle .i-pause { display: none; }
@media (prefers-reduced-motion: reduce) { .ticker-viewport { -webkit-mask-image: none; mask-image: none; } .ticker-track { flex-wrap: wrap; justify-content: center; } }
@media (prefers-reduced-motion: no-preference) {
  .js .ticker-clone { display: flex; }
  .js .ticker-toggle { display: inline-flex; }
  .js .ticker-track { animation: pf-marquee 38s linear infinite; }
  .ticker:hover .ticker-track, .ticker.is-paused .ticker-track { animation-play-state: paused; }
  @keyframes pf-marquee { to { transform: translateX(-100%); } }
}

/* ---- Self-drawing illustrations ---- */
svg.illus { display: block; width: 100%; height: auto; }
@media (prefers-reduced-motion: no-preference) {
  html.motion svg.draw [pathLength] { stroke-dasharray: 1; stroke-dashoffset: 1; transition: stroke-dashoffset 1.6s cubic-bezier(.45,.05,.3,1) .15s; }
  html.motion svg.draw > :not(defs) { fill-opacity: 0; transition: fill-opacity .9s ease 1s; }
  html.motion svg.draw.drawn [pathLength] { stroke-dashoffset: 0; }
  html.motion svg.draw.drawn > :not(defs) { fill-opacity: 1; }
}

/* ---- Floating "Need help?" widget (desktop; phones use the bottom bar) ---- */
.help-widget { display: none; }
@media (min-width: 900px) {
  .js .help-widget { display: block; position: fixed; right: 24px; bottom: 24px; z-index: 60; }
}
.help-fab { display: inline-flex; align-items: center; gap: 10px; min-height: 58px; padding: 0 22px 0 18px; border: 0; border-radius: 999px; cursor: pointer; background: var(--grad-btn); color: #fff; font: 700 1rem var(--font); box-shadow: 0 16px 30px -12px rgba(42,35,80,.6); transition: transform .2s ease, box-shadow .2s ease; }
.help-fab:hover { transform: translateY(-2px); box-shadow: 0 20px 34px -12px rgba(42,35,80,.7); }
.help-fab .i-close { display: none; }
.help-fab[aria-expanded="true"] .i-open { display: none; }
.help-fab[aria-expanded="true"] .i-close { display: block; }
.help-fab-label { white-space: nowrap; }
.help-panel { position: absolute; right: 0; bottom: 74px; width: 340px; background: #fff; border-radius: 22px; box-shadow: 0 30px 60px -20px rgba(42,35,80,.45); border: 1px solid var(--line); overflow: hidden; transform-origin: bottom right; }
.help-panel[hidden] { display: none; }
@media (prefers-reduced-motion: no-preference) { .help-panel:not([hidden]) { animation: pf-pop .25s ease both; } }
.help-head { display: flex; gap: 12px; align-items: center; padding: 20px; background: linear-gradient(120deg, #4E2A97, #1E5FA3); color: #fff; }
.help-head h2 { color: #fff; font-size: 1.125rem; font-weight: 800; }
.help-head p { color: #EAE6F8; font-size: .9375rem; margin-top: 2px; }
.help-links { list-style: none; margin: 0; padding: 10px; display: flex; flex-direction: column; gap: 4px; }
.help-links a { display: flex; gap: 14px; align-items: center; padding: 12px 14px; min-height: 56px; border-radius: 14px; color: var(--navy); text-decoration: none; }
.help-links a:hover { background: var(--tint); }
.help-links b { display: block; font-size: 1rem; }
.help-links small { display: block; color: var(--ink-soft); font-size: .875rem; }
@media print { .help-widget, .ticker-toggle { display: none !important; } }

/* ---- Budget tabs ---- */
.tablist { display: grid; gap: 10px; margin-bottom: 16px; }
.tab { text-align: left; display: flex; flex-direction: column; gap: 2px; padding: 16px 20px; border-radius: var(--r-md); border: 2px solid var(--line); background: #fff; cursor: pointer; font: inherit; color: var(--navy); min-height: 64px; transition: border-color .15s ease, box-shadow .15s ease; }
.tab b { font-size: 1.125rem; font-weight: 800; }
.tab small { color: var(--ink-soft); font-size: .9375rem; }
.tab:hover { border-color: #CFC4EA; }
.tab[aria-selected="true"] { border-color: transparent; background: linear-gradient(#fff, #fff) padding-box, var(--grad) border-box; box-shadow: 0 14px 30px -22px rgba(42,35,80,.6); }
.tab-panel { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 26px 28px; display: flex; flex-direction: column; gap: 12px; }
.tab-panel + .tab-panel { margin-top: 12px; }
.js .tab-panel + .tab-panel { margin-top: 0; }
.tab-panel[hidden] { display: none; }
.tab-title { font-size: 1.375rem; font-weight: 800; }
@media (min-width: 700px) { .tablist { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
@media (prefers-reduced-motion: no-preference) { .tab-panel:not([hidden]) { animation: pf-up .35s ease both; } }

/* ---- Smooth page-to-page transitions (supported browsers) ---- */
@media (prefers-reduced-motion: no-preference) {
  @view-transition { navigation: auto; }
  ::view-transition-old(root), ::view-transition-new(root) { animation-duration: .32s; }
  .topbar { view-transition-name: pf-topbar; }
  .site-header { view-transition-name: pf-header; }
}

/* Very small phones (under 360px): keep the header on one line */
@media (max-width: 359px) {
  .header-inner { gap: 8px; }
  .brand { gap: 8px; }
  .brand-mono { width: 40px; height: 40px; }
  .brand-mono img { width: 22px; }
  .brand-word b { font-size: .8125rem; }
  .brand-word span { font-size: .5625rem; letter-spacing: .1em; }
  .nav-toggle { padding: 0 14px; }
  .nav-toggle-label { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
}
/* Long button labels may wrap on narrow phones */
@media (max-width: 479px) { .btn-row .btn { white-space: normal; padding-top: 10px; padding-bottom: 10px; } }