/* ============================================================
   MegaFin — design tokens
   Ledger-inspired layout: ruled dividers instead of cards,
   one gold accent for money/action, deep ink navy for trust,
   a muted teal for secondary states.
   ============================================================ */

:root{
  --ink:#132140;
  --ink-2:#1c2f52;
  --paper:#F4F5F0;
  --paper-2:#EAEBE3;
  --gold:#B8863B;
  --gold-2:#8f6526;
  --teal:#2F6F5E;
  --text:#1C1E1F;
  --muted:#5B6169;
  --line:rgba(19,33,64,0.16);
  --line-soft:rgba(19,33,64,0.09);
  --serif:'Lora', Georgia, 'Times New Roman', serif;
  --sans:'IBM Plex Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --max: 1120px;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  background:var(--paper);
  color:var(--text);
  font-family:var(--sans);
  font-size:16px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block;}
a{color:inherit;}
h1,h2,h3{
  font-family:var(--serif);
  font-weight:600;
  line-height:1.18;
  margin:0 0 .5em;
  color:var(--ink);
}
h1{font-size:clamp(2.1rem,4.2vw,3.4rem); letter-spacing:-0.01em;}
h2{font-size:clamp(1.5rem,2.6vw,2.1rem);}
h3{font-size:1.15rem;}
p{margin:0 0 1em; color:var(--text);}
.lede{font-size:1.15rem; color:var(--muted); max-width:56ch;}
.muted{color:var(--muted);}
.wrap{max-width:var(--max); margin:0 auto; padding:0 28px;}
.visually-hidden{position:absolute; width:1px; height:1px; overflow:hidden; clip:rect(0 0 0 0); white-space:nowrap;}

/* focus visibility */
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible{
  outline:2px solid var(--gold);
  outline-offset:3px;
}

@media (prefers-reduced-motion: reduce){
  *{animation-duration:0.01ms !important; animation-iteration-count:1 !important; transition-duration:0.01ms !important; scroll-behavior:auto !important;}
}

/* ---------------- top strip ---------------- */
.topstrip{
  background:var(--ink);
  color:#D9DEE7;
  font-size:.82rem;
}
.topstrip .wrap{
  display:flex; justify-content:space-between; align-items:center;
  padding-top:8px; padding-bottom:8px; flex-wrap:wrap; gap:6px;
}
.topstrip a{text-decoration:none; color:#D9DEE7;}
.topstrip a:hover{color:#fff;}
.topstrip .sep{margin:0 .6em; opacity:.4;}

/* ---------------- header / nav ---------------- */
header.site{
  background:var(--paper);
  border-bottom:1px solid var(--line);
  position:sticky; top:0; z-index:40;
}
.nav{
  display:flex; align-items:center; justify-content:space-between;
  padding:16px 0;
  gap:20px;
}
.brand{
  display:flex; align-items:baseline; gap:.4rem;
  text-decoration:none;
  font-family:var(--serif);
}
.brand .mark{
  font-weight:700; font-size:1.5rem; color:var(--ink);
}
.brand .mark span{color:var(--gold);}
.brand .sub{font-size:.68rem; letter-spacing:.02em; color:var(--muted); font-family:var(--sans);}

.navlinks{
  display:flex; align-items:center; gap:28px; list-style:none; margin:0; padding:0;
}
.navlinks a{
  text-decoration:none; font-size:.96rem; color:var(--text);
  padding:4px 0; border-bottom:2px solid transparent;
}
.navlinks a:hover, .navlinks a[aria-current="page"]{
  border-bottom-color:var(--gold); color:var(--ink);
}
.btn{
  display:inline-block; text-decoration:none; font-family:var(--sans);
  font-weight:600; font-size:.95rem; padding:12px 22px;
  border-radius:2px; border:1px solid transparent; cursor:pointer;
}
.btn-gold{background:var(--gold); color:#fff;}
.btn-gold:hover{background:var(--gold-2);}
.btn-outline{background:transparent; border-color:var(--ink); color:var(--ink);}
.btn-outline:hover{background:var(--ink); color:#fff;}
.btn-ghost{background:transparent; color:var(--ink); border-color:var(--line);}
.btn-ghost:hover{border-color:var(--ink);}

.navtoggle{
  display:none; background:none; border:1px solid var(--line); border-radius:2px;
  padding:8px 10px; font-size:1.1rem; color:var(--ink);
}

@media (max-width:860px){
  .navlinks{
    position:absolute; left:0; right:0; top:100%;
    background:var(--paper); border-bottom:1px solid var(--line);
    flex-direction:column; align-items:flex-start; gap:0;
    padding:6px 28px 18px; display:none;
  }
  .navlinks.open{display:flex;}
  .navlinks a{width:100%; padding:12px 0; border-bottom:1px solid var(--line-soft);}
  .navlinks .btn{margin-top:10px;}
  .navtoggle{display:inline-block;}
  .nav .btn.desktop-only{display:none;}
}

/* ---------------- hero ---------------- */
.hero{
  padding:64px 0 56px;
  border-bottom:1px solid var(--line);
}
.hero-grid{
  display:grid; grid-template-columns:1.05fr .95fr; gap:56px; align-items:start;
}
@media (max-width:900px){ .hero-grid{grid-template-columns:1fr;} }

.eyebrow-line{
  display:flex; align-items:center; gap:10px; margin-bottom:18px; color:var(--teal); font-weight:600; font-size:.85rem;
}
.eyebrow-line::before{content:""; width:26px; height:1px; background:var(--teal);}

.hero .actions{display:flex; gap:14px; margin-top:28px; flex-wrap:wrap;}

/* calculator */
.calc{
  background:var(--ink); color:#EDEFE9; padding:32px; border-radius:3px;
}
.calc h2{color:#fff; font-size:1.3rem; margin-bottom:4px;}
.calc .calc-sub{color:#B7C0D1; font-size:.9rem; margin-bottom:24px;}
.calc-row{margin-bottom:22px;}
.calc-row .label-line{
  display:flex; justify-content:space-between; align-items:baseline; margin-bottom:8px;
  font-size:.9rem; color:#CBD2DF;
}
.calc-row .value{font-family:var(--serif); font-size:1.1rem; color:#fff;}
input[type="range"]{
  width:100%; -webkit-appearance:none; appearance:none;
  height:3px; background:#3A4A6B; border-radius:2px; outline:none;
}
input[type="range"]::-webkit-slider-thumb{
  -webkit-appearance:none; appearance:none; width:18px; height:18px; border-radius:50%;
  background:var(--gold); cursor:pointer; border:3px solid #EDEFE9;
}
input[type="range"]::-moz-range-thumb{
  width:18px; height:18px; border-radius:50%; background:var(--gold); border:3px solid #EDEFE9; cursor:pointer;
}
.calc-result{
  border-top:1px solid #34426A; margin-top:22px; padding-top:20px;
  display:flex; justify-content:space-between; align-items:flex-end; gap:12px; flex-wrap:wrap;
}
.calc-result .figure-label{font-size:.82rem; color:#B7C0D1;}
.calc-result .figure{font-family:var(--serif); font-size:2.1rem; color:#fff;}
.calc-result .figure small{font-size:1rem; color:#B7C0D1; font-family:var(--sans);}
.calc-disclaimer{font-size:.76rem; color:#8D98AD; margin-top:16px;}

/* ---------------- sections generic ---------------- */
section{padding:56px 0;}
section.tight{padding:40px 0;}
.section-head{max-width:62ch; margin-bottom:36px;}
.divider{border:none; border-top:1px solid var(--line); margin:0;}
.on-ink{background:var(--ink); color:#E7E9E2;}
.on-ink h2, .on-ink h3{color:#fff;}
.on-ink p{color:#C6CBD8;}
.on-paper2{background:var(--paper-2);}

/* offer list (replaces card-grid default) */
.offer-list{
  display:grid; grid-template-columns:1fr 1fr; border-top:1px solid var(--line);
}
.offer-item{
  padding:26px 26px 26px 0; border-bottom:1px solid var(--line);
  display:flex; gap:16px;
}
.offer-item:nth-child(odd){padding-right:26px; border-right:1px solid var(--line);}
.offer-item:nth-child(even){padding-left:26px;}
.offer-num{font-family:var(--serif); color:var(--gold); font-size:1.1rem; min-width:2ch;}
@media (max-width:760px){
  .offer-list{grid-template-columns:1fr;}
  .offer-item:nth-child(odd){border-right:none;}
  .offer-item:nth-child(even){padding-left:0;}
}

/* ledger / numbered clauses (used only where content is truly sequential) */
.ledger{border-top:1px solid var(--line-soft);}
.ledger-row{
  display:grid; grid-template-columns:64px 1fr; gap:20px; padding:26px 0; border-bottom:1px solid var(--line-soft);
}
.ledger-row .num{font-family:var(--serif); font-size:1.4rem; color:var(--gold);}

/* two-column checklists */
.check-cols{display:grid; grid-template-columns:1fr 1fr; gap:48px;}
@media (max-width:760px){.check-cols{grid-template-columns:1fr;}}
.check-list{list-style:none; margin:0; padding:0;}
.check-list li{
  padding:12px 0 12px 30px; border-bottom:1px solid var(--line-soft); position:relative;
}
.check-list li::before{
  content:"✓"; position:absolute; left:0; top:12px; color:var(--teal); font-weight:700;
}

/* CTA band */
.ctaband{
  background:var(--ink); color:#fff; text-align:left; padding:52px 0;
}
.ctaband .wrap{display:flex; justify-content:space-between; align-items:center; gap:24px; flex-wrap:wrap;}
.ctaband h2{color:#fff; margin-bottom:6px;}
.ctaband p{color:#C6CBD8; margin:0;}

/* FAQ accordion */
.faq-list{border-top:1px solid var(--line);}
.faq-item{border-bottom:1px solid var(--line);}
.faq-q{
  width:100%; text-align:left; background:none; border:none; cursor:pointer;
  padding:22px 0; display:flex; justify-content:space-between; align-items:center; gap:16px;
  font-family:var(--serif); font-size:1.08rem; color:var(--ink);
}
.faq-q .icon{font-size:1.2rem; color:var(--gold); font-family:var(--sans); flex-shrink:0; transition:transform .18s ease;}
.faq-item[data-open="true"] .faq-q .icon{transform:rotate(45deg);}
.faq-a{max-height:0; overflow:hidden; transition:max-height .22s ease;}
.faq-a-inner{padding:0 0 22px; color:var(--muted); max-width:68ch;}

/* forms */
form.card-form{
  background:#fff; border:1px solid var(--line); padding:32px; border-radius:3px;
}
.field-row{display:grid; grid-template-columns:1fr 1fr; gap:18px;}
@media (max-width:640px){.field-row{grid-template-columns:1fr;}}
.field{margin-bottom:18px;}
.field label{display:block; font-size:.86rem; font-weight:600; color:var(--ink); margin-bottom:6px;}
.field .hint{font-size:.78rem; color:var(--muted); margin-top:4px;}
.field input, .field select, .field textarea{
  width:100%; padding:11px 12px; border:1px solid var(--line); border-radius:2px;
  font-family:var(--sans); font-size:.95rem; background:#fff; color:var(--text);
}
.field input:focus, .field select:focus, .field textarea:focus{border-color:var(--gold);}
.field-check{display:flex; align-items:flex-start; gap:10px; margin:22px 0;}
.field-check input{width:auto; margin-top:4px;}
.field-check label{font-size:.86rem; color:var(--muted); font-weight:400;}
fieldset{border:none; padding:0; margin:0 0 26px;}
legend{font-family:var(--serif); font-size:1.05rem; color:var(--ink); padding:0 0 12px; border-bottom:1px solid var(--line); width:100%; margin-bottom:18px;}

.form-note{
  background:var(--paper-2); border-left:3px solid var(--teal); padding:16px 18px; font-size:.88rem; color:var(--muted); margin-bottom:26px;
}
.form-status{margin-top:18px; font-size:.9rem;}

/* footer */
footer.site{background:var(--ink); color:#B7C0D1; padding:56px 0 26px; font-size:.92rem;}
.footer-grid{display:grid; grid-template-columns:1.3fr 1fr 1fr 1fr; gap:40px; padding-bottom:36px; border-bottom:1px solid rgba(255,255,255,.12);}
@media (max-width:760px){.footer-grid{grid-template-columns:1fr 1fr;}}
footer.site h3{color:#fff; font-size:.95rem; font-family:var(--sans); font-weight:600; margin-bottom:16px;}
footer.site .brand .mark{color:#fff;}
footer.site .brand .sub{color:#8D98AD;}
footer.site ul{list-style:none; margin:0; padding:0;}
footer.site li{margin-bottom:10px;}
footer.site a{text-decoration:none; color:#B7C0D1;}
footer.site a:hover{color:#fff;}
.footer-bottom{
  padding-top:22px; display:flex; justify-content:space-between; flex-wrap:wrap; gap:10px; font-size:.82rem; color:#8D98AD;
}
.footer-bottom a{color:#8D98AD;}
.footer-bottom a:hover{color:#fff;}

/* breadcrumb-ish small page header for inner pages */
.page-header{padding:46px 0 34px; border-bottom:1px solid var(--line);}
.page-header .kicker{color:var(--teal); font-weight:600; font-size:.85rem; margin-bottom:10px;}