/* Life & Mortgages — component styles.
   Same system as Mortgage Qualifiers (type scale, radii, cards, step flow,
   720px breakpoint); the palette lives in the variables below. */

:root {
  --brand: #173A36;        /* deep evergreen: hero, header text, step numbers */
  --brand-2: #1F4B45;
  --brand-3: #2A5E55;
  --ink: #13302C;          /* headings */
  --text: #1C2B29;         /* strong body text */
  --muted: #4F5D5A;        /* body copy */
  --faint: #86918E;        /* hints, small print */
  --line: #E4DED4;
  --line-soft: #ECE7DF;
  --input-line: #CFC8BC;
  --soft: #F6F3EE;         /* warm paper section background */
  --chip: #F1EDE6;
  --accent: #A95F33;       /* copper CTA (white text passes AA) */
  --accent-hover: #8F4E29;
  --accent-ink: #fff;
  --accent-text: #A95F33;  /* accent used as text on white */
  --accent-shadow: rgba(169, 95, 51, 0.32);
  --accent-light: #E9B994; /* accent on dark backgrounds */
  --tint: #FBF3EC;
  --tint-line: #F0DCCB;
  --tint-ink: #74401F;
  --sel: #FCF6F1;          /* selected option card */
  --footer: #0F2724;
  --serif: "Source Serif 4", Georgia, serif;
  --sans: "Source Sans 3", system-ui, sans-serif;
  --pad-x: clamp(16px, 4vw, 44px);
  --pad-y: clamp(40px, 6vw, 64px);
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; background: #fff; color: var(--text); font-family: var(--sans); font-size: 16px; line-height: 1.55; }
img { max-width: 100%; }
a { color: var(--accent-text); text-decoration: none; }
a:hover { color: var(--ink); }
p { margin: 0; }
input, select, textarea, button { font-family: var(--sans); }
input:focus-visible, select:focus-visible, textarea:focus-visible,
a:focus-visible, button:focus-visible, [tabindex]:focus-visible { outline: 2px solid var(--accent); outline-offset: 2px; }
.skip { position: absolute; left: -9999px; top: 8px; background: #fff; padding: 8px 14px; border-radius: 8px; z-index: 999; }
.skip:focus { left: 8px; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* [to confirm] placeholders — visible but tasteful */
.tbc {
  display: inline-block; font-size: 0.78em; font-weight: 600; letter-spacing: 0.02em;
  color: #8A5A00; background: #FFF4D6; border: 1px dashed #E3C36B; border-radius: 6px;
  padding: 0 6px; vertical-align: 0.08em; white-space: nowrap;
}

/* ---------- layout ---------- */
.wrap { max-width: 1180px; margin: 0 auto; }
.wrap.narrow { max-width: 820px; }
.section { padding: var(--pad-y) var(--pad-x); }
.section.alt { background: var(--soft); }
.stack { display: flex; flex-direction: column; gap: 28px; }
.stack-sm { display: flex; flex-direction: column; gap: 14px; }
.h2 { margin: 0; font-family: var(--serif); font-size: clamp(24px, 3.4vw, 32px); line-height: 1.2; font-weight: 700; color: var(--ink); text-wrap: balance; }
.h3 { margin: 0; font-size: 18px; font-weight: 700; color: var(--text); }
.lede { font-size: clamp(16px, 1.8vw, 18px); line-height: 1.6; color: var(--muted); max-width: 680px; }
.eyebrow { font-size: 12px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--accent-text); }
.section-head { display: flex; flex-direction: column; gap: 10px; }

/* ---------- header ---------- */
.site-top {
  display: flex; align-items: center; justify-content: space-between; gap: 12px;
  padding: 12px var(--pad-x); border-bottom: 1px solid var(--line-soft);
  position: sticky; top: 0; z-index: 40;
  background: rgba(255, 255, 255, 0.95); backdrop-filter: blur(8px);
  transition: opacity 0.25s ease, transform 0.25s ease;
}
.brand { display: flex; align-items: center; gap: 10px; color: var(--ink); }
.brand:hover { color: var(--ink); }
.brand svg { width: 38px; height: 38px; flex-shrink: 0; }
.brand-text { font-family: var(--serif); font-size: 21px; font-weight: 700; letter-spacing: -0.01em; line-height: 1; }
.brand-text .amp { color: var(--accent-text); font-style: italic; font-weight: 600; padding: 0 1px; }
.brand-sub { display: block; font-family: var(--sans); font-size: 11px; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: var(--faint); margin-top: 4px; }
.nav { display: flex; align-items: center; gap: 24px; font-size: 15px; font-weight: 500; }
.nav a { color: var(--muted); }
.nav a:hover, .nav a[aria-current="page"] { color: var(--ink); }
.nav a[aria-current="page"] { font-weight: 700; }
.btn-outline {
  display: inline-block; border: 1.5px solid var(--brand); color: var(--brand) !important;
  font-weight: 600; padding: 9px 18px; border-radius: 8px; cursor: pointer; background: none; font-size: 15px;
}
.btn-outline:hover { background: var(--soft); }
.menu-btn {
  display: none; align-items: center; gap: 8px; border: 1.5px solid var(--line); background: #fff;
  color: var(--ink); font-size: 14px; font-weight: 700; padding: 8px 12px; border-radius: 8px; cursor: pointer;
}
.menu-btn .bars { width: 16px; height: 2px; background: currentColor; position: relative; display: inline-block; }
.menu-btn .bars::before, .menu-btn .bars::after { content: ""; position: absolute; left: 0; width: 16px; height: 2px; background: currentColor; }
.menu-btn .bars::before { top: -5px; } .menu-btn .bars::after { top: 5px; }
.mobile-menu {
  display: none; position: fixed; inset: 0; z-index: 120; background: rgba(15, 25, 24, 0.4);
}
.mobile-menu.open { display: block; }
.mobile-menu .panel {
  position: absolute; top: 0; left: 0; right: 0; background: #fff; border-radius: 0 0 18px 18px;
  padding: 14px 18px 22px; box-shadow: 0 20px 50px rgba(0, 0, 0, 0.2);
  display: flex; flex-direction: column; gap: 4px;
}
.mobile-menu .panel-head { display: flex; justify-content: space-between; align-items: center; padding-bottom: 8px; }
.mobile-menu .close { background: none; border: none; font-size: 28px; line-height: 1; padding: 4px 10px; cursor: pointer; color: var(--muted); }
.mobile-menu a.item { display: block; padding: 13px 6px; font-size: 17px; font-weight: 600; color: var(--text); border-bottom: 1px solid var(--line-soft); }
.mobile-menu a.item .sub { display: block; font-size: 13.5px; font-weight: 400; color: var(--faint); }
.mobile-menu .btn-primary { margin-top: 14px; }

/* ---------- buttons ---------- */
.btn-primary {
  display: inline-block; background: var(--accent); color: var(--accent-ink) !important;
  font-size: 17px; font-weight: 700; text-align: center; padding: 15px 30px; border-radius: 10px;
  box-shadow: 0 4px 14px var(--accent-shadow); cursor: pointer; user-select: none; border: none;
  transition: background 0.15s ease;
}
.btn-primary:hover { background: var(--accent-hover); }
.btn-primary.block { display: block; width: 100%; }
.btn-primary[aria-disabled="true"] { background: #C9CEC9; box-shadow: none; cursor: default; }
.btn-ghost-light {
  display: inline-block; color: #fff !important; font-weight: 600; font-size: 16px;
  padding: 14px 22px; border-radius: 10px; border: 1.5px solid rgba(255, 255, 255, 0.4);
}
.btn-ghost-light:hover { background: rgba(255, 255, 255, 0.08); }
.link-arrow { font-weight: 700; color: var(--accent-text); }
.link-arrow:hover { color: var(--ink); }

/* ---------- hero ---------- */
.hero {
  background: linear-gradient(150deg, var(--brand) 0%, var(--brand-2) 70%, var(--brand-3) 100%);
  padding: clamp(36px, 6vw, 64px) var(--pad-x) clamp(44px, 7vw, 76px);
  position: relative; overflow: hidden;
}
.hero-art { position: absolute; right: -40px; bottom: -10px; width: min(560px, 60vw); opacity: 0.16; pointer-events: none; }
.hero-grid {
  position: relative; max-width: 1180px; margin: 0 auto; display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 420px), 1fr));
  gap: clamp(32px, 5vw, 56px); align-items: start;
}
.hero-copy { display: flex; flex-direction: column; gap: 22px; }
.hero .eyebrow { color: var(--accent-light); }
.hero-title { margin: 0; font-family: var(--serif); font-size: clamp(31px, 5.2vw, 48px); line-height: 1.12; font-weight: 700; color: #fff; text-wrap: balance; }
.hero-sub { font-size: clamp(16px, 2vw, 18px); line-height: 1.6; color: rgba(255, 255, 255, 0.84); max-width: 500px; }
.ticks { display: flex; gap: 12px 24px; flex-wrap: wrap; margin-top: 2px; }
.tick { display: flex; align-items: center; gap: 8px; font-size: 14.5px; color: rgba(255, 255, 255, 0.92); }
.tick::before {
  content: "✓"; width: 20px; height: 20px; border-radius: 50%; background: var(--accent); color: var(--accent-ink);
  display: grid; place-items: center; font-size: 12px; font-weight: 700; flex-shrink: 0;
}
.adviser-card {
  display: flex; align-items: center; gap: 14px; margin-top: 10px; padding: 16px 18px;
  background: rgba(255, 255, 255, 0.07); border: 1px solid rgba(255, 255, 255, 0.13); border-radius: 12px; max-width: 500px;
}
.adviser-card img { width: 52px; height: 52px; border-radius: 50%; object-fit: cover; flex-shrink: 0; border: 2px solid rgba(255, 255, 255, 0.25); }
.adviser-card .quote { font-size: 14.5px; line-height: 1.5; color: rgba(255, 255, 255, 0.88); font-style: italic; }
.adviser-card .who { font-size: 13px; font-weight: 600; color: var(--accent-light); margin-top: 3px; }

/* start card (white card in the hero that opens the step flow) */
.start-card {
  background: #fff; border-radius: 16px; box-shadow: 0 20px 50px rgba(4, 20, 18, 0.35);
  padding: clamp(20px, 3vw, 30px) clamp(18px, 3vw, 30px) clamp(18px, 3vw, 24px);
  display: flex; flex-direction: column; gap: 18px;
}
.start-card .title { font-family: var(--serif); font-size: 24px; font-weight: 700; color: var(--ink); line-height: 1.2; }
.start-card .sub { font-size: 14.5px; color: var(--muted); line-height: 1.5; margin-top: 6px; }
.start-options { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.start-opt {
  border: 2px solid var(--line); border-radius: 12px; padding: 13px 14px; cursor: pointer; background: #fff;
  display: flex; flex-direction: column; gap: 2px; text-align: left; transition: border-color 0.15s ease, background 0.15s ease;
}
.start-opt:hover { border-color: var(--accent-text); background: var(--sel); }
.start-opt .t { font-size: 15.5px; font-weight: 700; color: var(--text); }
.start-opt .s { font-size: 12.5px; color: var(--faint); }
.start-opt.wide { grid-column: 1 / -1; }
.start-foot { display: flex; align-items: center; justify-content: center; gap: 8px; font-size: 13px; color: var(--muted); text-align: center; }
.start-steps { border-top: 1px solid var(--line-soft); padding-top: 16px; display: flex; flex-direction: column; gap: 10px; }
.start-steps .label { font-size: 12px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--faint); }
.chips { display: flex; align-items: center; gap: 6px; font-size: 13px; color: var(--muted); flex-wrap: wrap; }
.chips span.c { background: var(--chip); padding: 4px 10px; border-radius: 999px; }
.chips span.c.on { background: var(--tint); color: var(--tint-ink); font-weight: 600; }
.chips span.arr { color: var(--input-line); }

/* sub-page hero */
.page-hero {
  background: linear-gradient(150deg, var(--brand) 0%, var(--brand-2) 80%, var(--brand-3) 100%);
  padding: clamp(36px, 6vw, 60px) var(--pad-x) clamp(36px, 6vw, 56px); position: relative; overflow: hidden;
}
.page-hero .wrap { position: relative; display: flex; flex-direction: column; gap: 16px; }
.page-hero .eyebrow { color: var(--accent-light); }
.page-hero h1 { margin: 0; font-family: var(--serif); font-size: clamp(30px, 4.6vw, 44px); line-height: 1.14; font-weight: 700; color: #fff; max-width: 820px; text-wrap: balance; }
.page-hero .lede { color: rgba(255, 255, 255, 0.84); }
.crumbs { font-size: 13.5px; color: rgba(255, 255, 255, 0.6); }
.crumbs a { color: rgba(255, 255, 255, 0.8); }
.crumbs a:hover { color: #fff; }

/* ---------- cards ---------- */
.grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 260px), 1fr)); gap: 20px; }
.grid.two { grid-template-columns: repeat(auto-fit, minmax(min(100%, 380px), 1fr)); }
.card {
  border: 1px solid var(--line); border-radius: 14px; padding: 24px; background: #fff;
  display: flex; flex-direction: column; gap: 10px;
}
a.card { color: inherit; transition: border-color 0.15s ease, box-shadow 0.15s ease, transform 0.15s ease; }
a.card:hover { border-color: var(--accent-text); box-shadow: 0 10px 28px rgba(19, 48, 44, 0.08); transform: translateY(-2px); color: inherit; }
.card .icon {
  width: 42px; height: 42px; border-radius: 10px; background: var(--tint); color: var(--accent-text);
  display: grid; place-items: center; flex-shrink: 0;
}
.card .icon svg { width: 22px; height: 22px; }
.card .t { font-size: 18px; font-weight: 700; color: var(--text); }
.card .d { font-size: 15px; line-height: 1.55; color: var(--muted); }
.card .more { margin-top: auto; padding-top: 6px; font-size: 14.5px; font-weight: 700; color: var(--accent-text); }
.card ul { margin: 0; padding-left: 18px; font-size: 15px; line-height: 1.55; color: var(--muted); }
.card ul li { margin-bottom: 4px; }
.card.soft { background: var(--soft); border-color: var(--line-soft); }

/* how it works steps */
.steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 230px), 1fr)); gap: 24px; counter-reset: step; }
.step { display: flex; flex-direction: column; gap: 10px; }
.step .num {
  width: 34px; height: 34px; border-radius: 50%; background: var(--brand); color: #fff;
  display: grid; place-items: center; font-weight: 700; font-size: 15px;
}
.step .t { font-size: 17px; font-weight: 700; color: var(--text); }
.step .d { font-size: 15px; line-height: 1.55; color: var(--muted); }

/* summary / callout boxes */
.summary { background: var(--tint); border: 1px solid var(--tint-line); border-radius: 14px; padding: 20px 22px; }
.summary .label { font-size: 12px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--tint-ink); margin-bottom: 8px; }
.summary ul { margin: 0; padding-left: 20px; }
.summary li { color: var(--tint-ink); font-size: 15.5px; line-height: 1.55; margin-bottom: 4px; }
.summary p { color: var(--tint-ink); font-size: 15.5px; }
.note { font-size: 13.5px; line-height: 1.55; color: var(--faint); }
.note-box { border-left: 3px solid var(--accent); background: var(--soft); padding: 14px 18px; border-radius: 0 10px 10px 0; font-size: 14.5px; line-height: 1.55; color: var(--muted); }

/* article prose */
.prose { display: flex; flex-direction: column; gap: 14px; }
.prose h2 { margin: 18px 0 0; font-family: var(--serif); font-size: clamp(22px, 3vw, 26px); line-height: 1.25; font-weight: 700; color: var(--ink); }
.prose h3 { margin: 8px 0 0; font-size: 18px; font-weight: 700; color: var(--text); }
.prose p, .prose li { font-size: 16.5px; line-height: 1.65; color: var(--muted); }
.prose ul { margin: 0; padding-left: 22px; }
.prose li { margin-bottom: 6px; }
.prose strong { color: var(--text); }

/* split: text + aside */
.split { display: grid; grid-template-columns: minmax(0, 1.6fr) minmax(0, 1fr); gap: clamp(28px, 5vw, 56px); align-items: start; }
.aside { position: sticky; top: 90px; display: flex; flex-direction: column; gap: 16px; }
.aside-card { border: 1px solid var(--line); border-radius: 14px; padding: 22px; background: #fff; display: flex; flex-direction: column; gap: 12px; }
.aside-card .t { font-family: var(--serif); font-size: 20px; font-weight: 700; color: var(--ink); }
.aside-card .d { font-size: 14.5px; line-height: 1.55; color: var(--muted); }
.aside-links { display: flex; flex-direction: column; }
.aside-links a { padding: 10px 0; border-bottom: 1px solid var(--line-soft); font-weight: 600; color: var(--text); font-size: 15px; }
.aside-links a:last-child { border-bottom: none; }
.aside-links a:hover { color: var(--accent-text); }
.aside-links a[aria-current="page"] { color: var(--accent-text); }

/* FAQ */
.faq { display: flex; flex-direction: column; gap: 12px; }
.faq details { border: 1px solid var(--line); border-radius: 12px; background: #fff; }
.faq summary {
  list-style: none; cursor: pointer; padding: 17px 48px 17px 20px; font-size: 16.5px; font-weight: 700; color: var(--text); position: relative;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 20px; top: 13px; font-size: 22px; font-weight: 400; color: var(--accent-text); }
.faq details[open] summary::after { content: "–"; }
.faq .a { padding: 0 20px 18px; font-size: 15px; line-height: 1.6; color: var(--muted); }

/* adviser / bio */
.bio { display: flex; align-items: center; gap: 16px; padding: 18px 20px; background: var(--soft); border: 1px solid var(--line-soft); border-radius: 14px; }
.bio img { width: 72px; height: 72px; border-radius: 50%; object-fit: cover; flex-shrink: 0; }
.bio .n { font-size: 17px; font-weight: 700; color: var(--text); }
.bio .r { font-size: 14px; color: var(--muted); }
.facts { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 140px), 1fr)); border: 1px solid var(--line); border-radius: 14px; overflow: hidden; }
.facts > div { padding: 16px 18px; border-bottom: 1px solid var(--line-soft); border-right: 1px solid var(--line-soft); background: #fff; }
.facts .k { font-size: 12px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--faint); }
.facts .v { font-size: 16px; font-weight: 600; color: var(--text); margin-top: 3px; }

/* CTA band */
.cta-band { background: linear-gradient(150deg, var(--brand), var(--brand-2)); padding: clamp(40px, 6vw, 56px) var(--pad-x); }
.cta-band .wrap { display: flex; flex-direction: column; align-items: center; gap: 16px; text-align: center; }
.cta-band .t { font-family: var(--serif); font-size: clamp(24px, 3.4vw, 32px); font-weight: 700; color: #fff; text-wrap: balance; }
.cta-band .d { font-size: 16.5px; color: rgba(255, 255, 255, 0.82); max-width: 560px; }
.cta-band .row { display: flex; gap: 12px; flex-wrap: wrap; justify-content: center; }
.cta-band .small { font-size: 13px; color: rgba(255, 255, 255, 0.6); }

/* ---------- forms ---------- */
.txt {
  border: 2px solid var(--input-line); border-radius: 14px; padding: 15px 17px;
  font-size: 17px; color: var(--text); background: #fff; width: 100%;
}
textarea.txt { min-height: 130px; resize: vertical; line-height: 1.5; }
select.txt { appearance: none; background-image: linear-gradient(45deg, transparent 50%, var(--muted) 50%), linear-gradient(135deg, var(--muted) 50%, transparent 50%); background-position: calc(100% - 22px) 50%, calc(100% - 16px) 50%; background-size: 6px 6px; background-repeat: no-repeat; padding-right: 40px; }
.txt-lg { padding: 18px; font-size: 19px; }
.field { display: flex; flex-direction: column; gap: 7px; }
.field-label { font-size: 14.5px; font-weight: 600; color: var(--text); }
.field-label .opt { font-weight: 400; color: var(--faint); }
.field-hint { font-size: 13px; color: var(--faint); }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.hp { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }

/* option cards / consent rows (step flow) */
.opt-card {
  border: 2px solid var(--line); background: #fff; border-radius: 14px; padding: 16px 18px;
  display: flex; align-items: center; gap: 14px; cursor: pointer; text-align: left; width: 100%;
  transition: border-color 0.15s ease, background 0.15s ease; font-size: inherit; color: inherit;
}
.opt-card:hover { border-color: var(--input-line); }
.opt-card.sel { border-color: var(--accent-text); background: var(--sel); }
.opt-key {
  width: 28px; height: 28px; border-radius: 8px; flex-shrink: 0; background: var(--chip); color: var(--muted);
  display: grid; place-items: center; font-size: 13px; font-weight: 700;
}
.opt-card.sel .opt-key { background: var(--accent); color: var(--accent-ink); }
.opt-box {
  width: 24px; height: 24px; border-radius: 7px; flex-shrink: 0; border: 2px solid var(--input-line);
  background: #fff; color: var(--accent-ink); display: grid; place-items: center; font-size: 14px; font-weight: 700;
}
.opt-card.sel .opt-box { border-color: var(--accent-text); background: var(--accent); }
.opt-label { font-size: 17px; font-weight: 600; color: var(--text); }
.opt-sub { font-size: 13.5px; color: var(--muted); }
.opt-list { display: flex; flex-direction: column; gap: 12px; }
.opt-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.pill-row { display: flex; gap: 10px; flex-wrap: wrap; }
.pill {
  flex: 1 1 auto; text-align: center; padding: 12px 14px; border-radius: 12px; border: 2px solid var(--line);
  background: #fff; color: var(--text); font-size: 15px; font-weight: 600; cursor: pointer;
}
.pill.sel { border-color: var(--accent-text); background: var(--sel); color: var(--tint-ink); font-weight: 700; }
.consent-row {
  display: flex; gap: 14px; align-items: flex-start; cursor: pointer; text-align: left; width: 100%;
  border: 2px solid var(--line); background: #fff; border-radius: 14px; padding: 16px 18px; font-size: inherit;
}
.consent-row.sel { border-color: var(--accent-text); background: var(--sel); }
.consent-box {
  width: 26px; height: 26px; border-radius: 8px; flex-shrink: 0; margin-top: 1px; border: 2px solid var(--input-line);
  background: #fff; color: var(--accent-ink); display: grid; place-items: center; font-size: 15px; font-weight: 700;
}
.consent-row.sel .consent-box { border-color: var(--accent-text); background: var(--accent); }
.consent-text { font-size: 15px; line-height: 1.5; color: var(--text); }

.err-box {
  margin-top: 16px; background: #FDF2F2; border: 1px solid #F2C4C4; border-radius: 10px;
  padding: 12px 16px; font-size: 14.5px; color: #B0392E; animation: shake 0.3s ease;
}
@keyframes shake { 0%, 100% { transform: translateX(0); } 25% { transform: translateX(-5px); } 75% { transform: translateX(5px); } }
.ok-box { display: flex; align-items: center; gap: 14px; background: var(--tint); border: 1px solid var(--tint-line); border-radius: 14px; padding: 16px 18px; }
.ok-box .ic { width: 40px; height: 40px; border-radius: 50%; background: var(--accent); color: var(--accent-ink); display: grid; place-items: center; font-size: 18px; font-weight: 700; flex-shrink: 0; }
.ok-box .tx { font-size: 15px; line-height: 1.5; color: var(--tint-ink); }

/* ---------- step flow page ---------- */
.flow-page { min-height: 100vh; background: var(--soft); display: flex; flex-direction: column; align-items: center; }
.flow-col { width: 100%; max-width: 620px; padding: 0 20px 40px; display: flex; flex-direction: column; min-height: 100vh; }
.flow-head { display: flex; align-items: center; justify-content: space-between; padding: 18px 0; }
.flow-head .back { font-size: 15px; color: var(--muted); cursor: pointer; font-weight: 500; background: none; border: none; padding: 4px 0; }
.flow-head .back:hover { color: var(--ink); }
.flow-head .saved { font-size: 13px; font-weight: 600; color: var(--accent-text); }
.flow-head svg { width: 32px; height: 32px; }
.flow-progress { display: flex; flex-direction: column; gap: 8px; padding-bottom: 26px; }
.flow-progress .row { display: flex; justify-content: space-between; font-size: 13px; color: var(--muted); }
.flow-progress .row b { color: var(--text); }
.bar { height: 6px; background: var(--line); border-radius: 999px; }
.bar > div { height: 6px; border-radius: 999px; background: var(--accent); transition: width 0.3s ease; }
.step-title { font-family: var(--serif); font-size: clamp(24px, 6vw, 30px); line-height: 1.22; font-weight: 700; color: var(--ink); text-wrap: pretty; }
.step-help { font-size: 15px; color: var(--muted); margin-top: 8px; }
.step-body { display: flex; flex-direction: column; gap: 22px; }
.flow-foot { margin-top: auto; padding-top: 28px; display: flex; flex-direction: column; gap: 10px; }
.flow-foot .btn-primary { border-radius: 14px; padding: 17px; }
.flow-foot .note { text-align: center; font-size: 12.5px; }
.skip-link { font-size: 14px; color: var(--muted); text-align: center; cursor: pointer; background: none; border: none; padding: 6px; }
.skip-link:hover { color: var(--ink); }
.done-page { min-height: 100vh; background: var(--soft); display: flex; align-items: center; justify-content: center; padding: 40px 20px; }
.done-card {
  background: #fff; border-radius: 20px; box-shadow: 0 16px 44px rgba(19, 48, 44, 0.12); max-width: 540px; width: 100%;
  padding: clamp(30px, 6vw, 44px) clamp(20px, 5vw, 36px); display: flex; flex-direction: column; align-items: center; gap: 18px; text-align: center;
}
.done-card .ring { width: 72px; height: 72px; border-radius: 50%; background: var(--tint); display: grid; place-items: center; }
.done-card .ring div { width: 48px; height: 48px; border-radius: 50%; background: var(--accent); color: var(--accent-ink); display: grid; place-items: center; font-size: 24px; font-weight: 700; }
.done-card .t { text-wrap: balance; font-family: var(--serif); font-size: 28px; font-weight: 700; color: var(--ink); }
.done-card .d { font-size: 16px; line-height: 1.55; color: var(--muted); }
.next-list { border-top: 1px solid var(--line-soft); padding-top: 18px; margin-top: 4px; display: flex; flex-direction: column; gap: 10px; width: 100%; text-align: left; }
.next-list .label { font-size: 12px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--faint); }
.next-list .i { display: flex; gap: 10px; font-size: 15px; color: var(--text); line-height: 1.5; }
.next-list .i span { color: var(--accent-text); font-weight: 700; }

/* ---------- contact page ---------- */
.contact-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.4fr); gap: clamp(28px, 5vw, 56px); align-items: start; }
.contact-list { display: flex; flex-direction: column; gap: 0; border-top: 1px solid var(--line); }
.contact-list > div { padding: 16px 0; border-bottom: 1px solid var(--line); }
.contact-list .k { font-size: 12px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--faint); }
.contact-list .v { font-size: 18px; font-weight: 600; color: var(--text); margin-top: 3px; word-break: break-word; }
.contact-list .v a { color: var(--text); }
.contact-list .v a:hover { color: var(--accent-text); }
.form-card { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: clamp(20px, 3vw, 30px); display: flex; flex-direction: column; gap: 16px; box-shadow: 0 12px 34px rgba(19, 48, 44, 0.06); }
.form-card .title { font-family: var(--serif); font-size: 24px; font-weight: 700; color: var(--ink); }
.check-inline { display: flex; gap: 12px; align-items: flex-start; font-size: 14.5px; line-height: 1.5; color: var(--text); cursor: pointer; }
.check-inline input { width: 20px; height: 20px; margin: 1px 0 0; accent-color: var(--accent-text); flex-shrink: 0; }

/* ---------- legal pages ---------- */
.legal { max-width: 820px; margin: 0 auto; padding: clamp(28px, 5vw, 48px) 20px 60px; }
.legal h1 { font-family: var(--serif); font-size: clamp(28px, 4vw, 38px); font-weight: 700; color: var(--ink); margin: 0 0 8px; }
.legal h2 { font-family: var(--serif); font-size: 22px; font-weight: 700; color: var(--ink); margin: 34px 0 10px; }
.legal p, .legal li { font-size: 15.5px; line-height: 1.65; color: var(--muted); }
.legal p { margin: 0 0 12px; }
.legal li { margin-bottom: 6px; }
.legal strong { color: var(--text); }
.legal .updated { font-size: 13px; color: var(--faint); margin-bottom: 22px; }

/* ---------- footer ---------- */
.site-footer { background: var(--footer); padding: 34px var(--pad-x) calc(24px + env(safe-area-inset-bottom)); }
.site-footer .wrap { display: flex; flex-direction: column; gap: 16px; }
.foot-top { display: flex; justify-content: space-between; gap: 24px 40px; flex-wrap: wrap; padding-bottom: 18px; border-bottom: 1px solid rgba(255, 255, 255, 0.12); }
.foot-brand { display: flex; flex-direction: column; gap: 8px; max-width: 340px; }
.foot-brand .brand-text { color: #fff; }
.foot-brand .brand-text .amp { color: var(--accent-light); }
.foot-brand .d { font-size: 14px; color: rgba(255, 255, 255, 0.6); line-height: 1.55; }
.foot-brand a { color: #fff; font-weight: 700; font-size: 16px; }
.foot-cols { display: flex; gap: 40px; flex-wrap: wrap; }
.foot-col { display: flex; flex-direction: column; gap: 8px; font-size: 14px; }
.foot-col .h { font-size: 12px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(255, 255, 255, 0.45); margin-bottom: 2px; }
.foot-col a { color: rgba(255, 255, 255, 0.78); }
.foot-col a:hover { color: #fff; }
.foot-warn { font-size: 13.5px; font-weight: 700; color: rgba(255, 255, 255, 0.92); line-height: 1.5; }
.foot-legal { font-size: 12px; color: rgba(255, 255, 255, 0.52); line-height: 1.7; max-width: 960px; }
.foot-legal p + p { margin-top: 8px; }
.foot-legal a { color: rgba(255, 255, 255, 0.75); text-decoration: underline; }
.foot-bottom { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 10px 20px; font-size: 13px; color: rgba(255, 255, 255, 0.55); padding-top: 4px; }
.foot-bottom .links { display: flex; gap: 20px; flex-wrap: wrap; }
.foot-bottom a { color: rgba(255, 255, 255, 0.75); }

/* mobile sticky CTA bar (landing only) */
.mobile-cta-bar {
  display: none; position: fixed; left: 0; right: 0; bottom: 0; z-index: 90;
  background: rgba(255, 255, 255, 0.97); backdrop-filter: blur(8px); border-top: 1px solid var(--line);
  padding: 8px 12px calc(8px + env(safe-area-inset-bottom)); box-shadow: 0 -8px 24px rgba(19, 48, 44, 0.08);
}
.mobile-cta-bar .row { display: flex; gap: 10px; }
.mobile-cta-bar .call {
  display: flex; flex-direction: column; align-items: center; justify-content: center; width: 64px; flex-shrink: 0;
  background: var(--brand); color: #fff; border-radius: 12px; font-size: 11px; font-weight: 700; gap: 2px;
}
.mobile-cta-bar .call svg { width: 18px; height: 18px; }
.mobile-cta-bar .go {
  flex: 1; display: flex; flex-direction: column; align-items: center; justify-content: center;
  background: var(--accent); color: var(--accent-ink); border-radius: 12px; padding: 10px 8px; cursor: pointer;
}
.mobile-cta-bar .go .m { font-size: 15.5px; font-weight: 700; white-space: nowrap; }
.mobile-cta-bar .go .s { font-size: 11px; opacity: 0.85; padding-top: 1px; }

/* ---------- responsive (breakpoint: 720px, as MQ) ---------- */
@media (max-width: 960px) {
  .split, .contact-grid { grid-template-columns: 1fr; }
  .aside { position: static; }
}
@media (max-width: 1100px) {
  .nav { display: none; }
  .menu-btn { display: inline-flex; }
}
@media (max-width: 720px) {
  .site-top { padding: 8px 14px; }
  .brand svg { width: 30px; height: 30px; }
  .brand-text { font-size: 18px; }
  .brand-sub { font-size: 9.5px; }
  body.page-landing .mobile-cta-bar { display: block; opacity: 0; transform: translateY(100%); pointer-events: none; transition: opacity 0.25s ease, transform 0.25s ease; }
  body.page-landing.scrolled .mobile-cta-bar { opacity: 1; transform: none; pointer-events: auto; }
  body.page-landing .site-footer { padding-bottom: calc(96px + env(safe-area-inset-bottom)); }
  .field-row { grid-template-columns: 1fr; }
  .opt-grid { grid-template-columns: 1fr; }
  .flow-page, .flow-col { min-height: 100svh; }
  .flow-col { padding: 0 16px calc(14px + env(safe-area-inset-bottom)); }
  .flow-head { padding: 10px 0; }
  .flow-progress { padding-bottom: 16px; }
  .flow-foot { padding-top: 18px; }
  .txt { font-size: 16px; } /* <16px makes iOS zoom on focus */
  .hero-art { width: 90vw; right: -30vw; opacity: 0.1; }
  .prose p, .prose li { font-size: 16px; }
}
@media (max-width: 400px) {
  .start-options { grid-template-columns: 1fr; }
  .start-opt.wide { grid-column: auto; }
}
@media (prefers-reduced-motion: reduce) {
  * { transition: none !important; animation: none !important; }
}