/* ============================================================
   Find Umbrella — GLOBAL STYLESHEET
   Palette sampled from the official logo:
     green #019546 · teal #00878C · blue #0082A8 · wordmark #303030

   Every colour comes from the tokens in :root — change it once here
   and it updates across every page of the site.
   ============================================================ */

:root {
  /* ---- Brand ---- */
  --green: #019546;
  --green-dark: #017138;
  --teal: #00878c;
  --blue: #0b6bb5;          /* primary blue — buttons, links */
  --blue-dark: #08548d;
  --blue-light: #7fc3e8;    /* light blue accent on dark backgrounds */
  --blue-soft: #e8f3fb;     /* pale blue surface */
  --blue-line: #cfe3f3;

  /* ---- Dark blue surfaces ---- */
  --ink: #0a2240;
  --ink-2: #10375f;
  --ink-3: #17497c;

  /* ---- Neutrals ---- */
  --paper: #f4f8fc;
  --white: #ffffff;
  --text: #3f5568;
  --text-soft: #64798d;
  --line: #dce7f1;

  /* ---- Legacy aliases (kept so older rules re-skin globally) ---- */
  --teal-dark: #08548d;
  --teal-soft: #e8f3fb;
  --amber: #0b6bb5;
  --amber-dark: #08548d;
  --coral: #00878c;
  --indigo: #7fc3e8;

  /* ---- Calculator chart segments ---- */
  --seg-takehome: var(--green);
  --seg-tax: var(--blue);
  --seg-ni: var(--teal);
  --seg-employer: var(--blue-light);
  --seg-margin: #9fb3c8;

  /* ---- Shape & type ---- */
  --radius: 14px;
  --radius-lg: 20px;
  --shadow: 0 10px 30px rgba(10, 34, 64, 0.08);
  --shadow-lg: 0 24px 60px rgba(10, 34, 64, 0.16);
  --font-head: "Manrope", "Segoe UI", sans-serif;
  --font-body: "Inter", "Segoe UI", sans-serif;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; }
html, body { overflow-x: clip; }
@supports not (overflow-x: clip) { html, body { overflow-x: hidden; } }
body {
  font-family: var(--font-body);
  color: var(--text);
  font-size: 16.5px;
  line-height: 1.7;
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--blue-dark); text-decoration: none; }
a:hover { color: var(--blue); }
h1, h2, h3, h4 { font-family: var(--font-head); color: var(--ink); line-height: 1.22; font-weight: 800; letter-spacing: -0.015em; }
h1 { font-size: clamp(2rem, 4.2vw, 3.1rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); }
h3 { font-size: 1.2rem; font-weight: 700; }
p { margin: 0 0 1em; }
strong { color: var(--ink); }

/* ---------- Layout ---------- */
.container { max-width: 1160px; margin: 0 auto; padding: 0 24px; }
.section { padding: 88px 0; }
.section-tight { padding: 56px 0; }
.section-alt { background: var(--paper); }
.text-center { text-align: center; }
.eyebrow {
  display: inline-block;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 0.82rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 14px;
}
.eyebrow.on-dark { color: var(--blue-light); }
.section-title { margin-bottom: 14px; }
.section-sub { max-width: 640px; font-size: 1.05rem; color: var(--text-soft); }
.text-center .section-sub { margin-left: auto; margin-right: auto; }
.muted { color: var(--text-soft); }
.lead { font-size: 1.12rem; }
.on-dark, .on-dark p { color: #c2d5e6; }
.on-dark h1, .on-dark h2, .on-dark h3 { color: #fff; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 0.95rem;
  padding: 14px 28px;
  border-radius: 999px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease, color 0.15s ease;
  text-align: center;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }
.btn-primary { background: var(--blue); color: #fff; box-shadow: 0 8px 20px rgba(11, 107, 181, 0.28); }
.btn-primary:hover { background: var(--blue-dark); color: #fff; }
.btn-lightblue { background: var(--blue-light); color: var(--ink); box-shadow: 0 8px 20px rgba(127, 195, 232, 0.32); }
.btn-lightblue:hover { background: #a3d5f1; color: var(--ink); }
.btn-green { background: var(--green); color: #fff; box-shadow: 0 8px 20px rgba(1, 149, 70, 0.25); }
.btn-green:hover { background: var(--green-dark); color: #fff; }
/* legacy names kept working, mapped to brand blue */
.btn-amber { background: var(--blue); color: #fff; box-shadow: 0 8px 20px rgba(11, 107, 181, 0.28); }
.btn-amber:hover { background: var(--blue-dark); color: #fff; }
.btn-teal { background: var(--blue); color: #fff; box-shadow: 0 8px 20px rgba(11, 107, 181, 0.28); }
.btn-teal:hover { background: var(--blue-dark); color: #fff; }
.btn-navy { background: var(--ink); color: #fff; }
.btn-navy:hover { background: var(--ink-3); color: #fff; }
.btn-outline-light { border-color: rgba(255, 255, 255, 0.55); color: #fff; }
.btn-outline-light:hover { border-color: #fff; background: rgba(255, 255, 255, 0.09); color: #fff; }
.btn-outline-dark { border-color: var(--blue); color: var(--blue-dark); }
.btn-outline-dark:hover { background: var(--blue); color: #fff; }
.btn-soft { background: var(--blue-soft); color: var(--blue-dark); }
.btn-soft:hover { background: var(--blue-line); color: var(--blue-dark); }
.btn-sm { padding: 10px 20px; font-size: 0.86rem; }
.btn-block { display: block; width: 100%; }
.btn-row { display: flex; gap: 14px; flex-wrap: wrap; }
.btn-row.center { justify-content: center; }

/* ---------- Top bar ---------- */
.topbar { background: var(--ink); color: #b7cade; font-size: 0.85rem; }
.topbar .container { display: flex; justify-content: space-between; align-items: center; padding-top: 9px; padding-bottom: 9px; gap: 16px; flex-wrap: wrap; }
.topbar a { color: #fff; font-weight: 600; }
.topbar a:hover { color: var(--blue-light); }
.topbar .sep { opacity: 0.4; margin: 0 10px; }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: #fff;
  border-bottom: 1px solid var(--line);
}
.site-header .container { display: flex; align-items: center; justify-content: space-between; height: 78px; }
.brand { display: flex; align-items: center; gap: 10px; }
.brand img { height: 38px; width: auto; }
.brand img.brand-chip { height: 42px; width: auto; background: #fff; padding: 9px 16px; border-radius: 12px; }
.brand span { font-family: var(--font-head); font-weight: 800; font-size: 1.28rem; color: var(--ink); letter-spacing: -0.02em; }
.brand b { color: var(--teal); }
.brand.on-dark span { color: #fff; }
.brand.on-dark b { color: var(--blue-light); }
.main-nav { display: flex; align-items: center; gap: 24px; }
.main-nav a { font-family: var(--font-head); font-weight: 600; font-size: 0.95rem; color: var(--ink-2); position: relative; }
.main-nav a:hover, .main-nav a.active { color: var(--blue); }
.main-nav a.active::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: -8px;
  height: 3px;
  border-radius: 3px;
  background: var(--blue);
}
.nav-cta { background: var(--blue); color: #fff !important; padding: 11px 22px; border-radius: 999px; font-weight: 700 !important; }
.nav-cta:hover { background: var(--blue-dark); color: #fff !important; }
.nav-toggle { display: none; background: none; border: 0; cursor: pointer; padding: 8px; }
.nav-toggle span { display: block; width: 24px; height: 2.5px; background: var(--ink); margin: 5px 0; border-radius: 2px; transition: 0.25s; }

/* ---------- Hero ---------- */
.hero {
  background:
    radial-gradient(900px 420px at 88% -12%, rgba(127, 195, 232, 0.30), transparent 62%),
    radial-gradient(700px 380px at -8% 112%, rgba(1, 149, 70, 0.20), transparent 58%),
    linear-gradient(150deg, #071a2e 0%, var(--ink) 55%, var(--ink-2) 100%);
  color: #c2d5e6;
  padding: 92px 0 0;
  overflow: hidden;
  position: relative;
}
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='60' height='60' viewBox='0 0 60 60'%3E%3Ccircle cx='2' cy='2' r='1.2' fill='%23ffffff' fill-opacity='0.07'/%3E%3C/svg%3E");
  pointer-events: none;
}
.hero .container { position: relative; z-index: 1; display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 56px; align-items: center; padding-bottom: 92px; }
.hero-solo .container { grid-template-columns: 1fr; }
.hero h1 { color: #fff; }
.hero .lead { color: #bfd2e4; max-width: 540px; }
.hero-solo h1 { max-width: 860px; }
.hero-solo .lead { max-width: 700px; }
.hero .actions { display: flex; gap: 14px; flex-wrap: wrap; margin: 28px 0 20px; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 8px 22px; color: #93a9bf; font-size: 0.88rem; }
.hero-trust span::before { content: "✓"; color: var(--green); font-weight: 800; margin-right: 7px; }

/* ---------- Form fields (shared) ---------- */
.field { margin-bottom: 16px; }
.field label { display: block; font-family: var(--font-head); font-weight: 700; font-size: 0.83rem; color: var(--ink); margin-bottom: 6px; }
.field .input-wrap { position: relative; }
.field .input-wrap span.prefix { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--text-soft); font-weight: 600; }
.field input, .field select, .field textarea {
  width: 100%;
  padding: 12px 14px 12px 34px;
  border: 1.5px solid var(--line);
  border-radius: 10px;
  font-family: var(--font-body);
  font-size: 1rem;
  color: var(--ink);
  background: var(--paper);
  transition: border 0.15s, box-shadow 0.15s;
}
.field.no-prefix input, .field.no-prefix select, .field.no-prefix textarea { padding-left: 14px; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(11, 107, 181, 0.15);
  background: #fff;
}
.field.check { display: flex; align-items: center; gap: 10px; }
.field.check label { margin: 0; cursor: pointer; }
.field input[type="checkbox"] { width: 18px; height: 18px; accent-color: var(--blue); }
.field .hint { font-size: 0.78rem; color: var(--text-soft); margin-top: 6px; }

/* ---------- Stats band ---------- */
.stats-band { background: var(--blue); }
.stats-band .container { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; padding-top: 40px; padding-bottom: 40px; }
.stat { text-align: center; color: #fff; }
.stat .num { font-family: var(--font-head); font-weight: 800; font-size: 2rem; color: #fff; }
.stat .num em { color: #cbe6f8; font-style: normal; }
.stat .label { font-size: 0.88rem; color: #d3e7f6; }

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; margin-top: 48px; }
.step { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 32px 28px; transition: transform 0.2s, box-shadow 0.2s; }
.step:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.step-num {
  width: 46px; height: 46px; border-radius: 50%;
  background: var(--ink); color: var(--blue-light);
  font-family: var(--font-head); font-weight: 800; font-size: 1.15rem;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
}
.step h3 { margin-bottom: 8px; }
.step p { font-size: 0.95rem; margin: 0; }

/* ---------- Cards ---------- */
.grid { display: grid; gap: 24px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 30px 26px; transition: transform 0.2s, box-shadow 0.2s, border-color 0.2s; }
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--blue-line); }
.card .icon { width: 52px; height: 52px; border-radius: 14px; background: var(--blue-soft); color: var(--blue-dark); display: flex; align-items: center; justify-content: center; margin-bottom: 18px; }
.card h3 { margin-bottom: 8px; }
.card p { font-size: 0.95rem; margin: 0; }
.card.on-dark { background: var(--ink-2); border-color: rgba(255, 255, 255, 0.12); }
.card.on-dark h3 { color: #fff; }
.card.on-dark p { color: #bfd2e4; }

/* ---------- Split sections ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.split-visual {
  background: linear-gradient(140deg, var(--ink) 0%, var(--ink-3) 100%);
  border-radius: var(--radius-lg);
  padding: 44px;
  color: #c2d5e6;
  box-shadow: var(--shadow-lg);
  position: relative;
  overflow: hidden;
}
.split-visual::before { content: ""; position: absolute; right: -60px; top: -60px; width: 220px; height: 220px; border-radius: 50%; background: rgba(127, 195, 232, 0.18); }
.split-visual h3 { color: #fff; margin-bottom: 10px; }
.checklist { list-style: none; margin: 24px 0 0; }
.checklist li { padding: 9px 0 9px 34px; position: relative; border-bottom: 1px dashed rgba(255, 255, 255, 0.18); color: #c2d5e6; font-size: 0.95rem; }
.checklist li::before {
  content: "✓";
  position: absolute; left: 0; top: 9px;
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--green); color: #fff;
  font-weight: 800; font-size: 0.72rem;
  display: flex; align-items: center; justify-content: center;
}
.split-copy h2 { margin-bottom: 14px; }

/* ---------- Calculator & guide cards ---------- */
.calc-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; margin-top: 44px; }
.calc-card { display: block; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; transition: transform 0.18s, box-shadow 0.18s, border-color 0.18s; color: var(--text); }
.calc-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--blue); color: var(--text); }
.calc-card .cc-icon { width: 44px; height: 44px; border-radius: 12px; background: var(--blue-soft); color: var(--blue-dark); display: flex; align-items: center; justify-content: center; margin-bottom: 14px; }
.calc-card h3 { font-size: 1.05rem; margin-bottom: 6px; }
.calc-card p { font-size: 0.88rem; color: var(--text-soft); margin: 0 0 12px; }
.calc-card .go { font-family: var(--font-head); font-weight: 700; font-size: 0.86rem; color: var(--blue); }

.guide-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; margin-top: 44px; }
.guide-card { border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; background: #fff; transition: transform 0.18s, box-shadow 0.18s, border-color 0.18s; display: block; color: var(--text); }
.guide-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--blue); color: var(--text); }
.guide-card .tag { font-size: 0.75rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--teal); }
.guide-card h3 { font-size: 1.05rem; margin: 8px 0; }
.guide-card p { font-size: 0.9rem; color: var(--text-soft); margin: 0; }

/* ---------- FAQ ---------- */
.faq { max-width: 800px; margin: 48px auto 0; }
.faq-item { border: 1px solid var(--line); border-radius: var(--radius); margin-bottom: 12px; background: #fff; overflow: hidden; }
.faq-item.open { border-color: var(--blue); box-shadow: var(--shadow); }
.faq-q {
  width: 100%;
  background: none;
  border: 0;
  padding: 20px 24px;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 1rem;
  color: var(--ink);
  text-align: left;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
}
.faq-q .chev { flex: 0 0 auto; width: 26px; height: 26px; border-radius: 50%; background: var(--paper); color: var(--blue-dark); display: flex; align-items: center; justify-content: center; transition: transform 0.2s; font-size: 0.8rem; }
.faq-item.open .chev { transform: rotate(180deg); background: var(--blue-soft); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.3s ease; }
.faq-a p { padding: 0 24px 22px; margin: 0; font-size: 0.95rem; }

/* ---------- CTA band ---------- */
.cta-band {
  background:
    radial-gradient(700px 320px at 90% 0%, rgba(127, 195, 232, 0.28), transparent 62%),
    linear-gradient(140deg, #071a2e, var(--ink-2));
  border-radius: var(--radius-lg);
  padding: 64px 48px;
  text-align: center;
  color: #c2d5e6;
  position: relative;
  overflow: hidden;
}
.cta-band h2 { color: #fff; max-width: 620px; margin: 0 auto 12px; }
.cta-band p { max-width: 560px; margin: 0 auto 26px; }
.cta-band .actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ---------- Footer ---------- */
.site-footer { background: var(--ink); color: #93a8bd; padding: 64px 0 0; font-size: 0.92rem; }
.site-footer .container { padding-bottom: 20px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; }
.site-footer h4 { color: #fff; font-size: 0.95rem; margin-bottom: 16px; }
.site-footer a { color: #93a8bd; display: block; padding: 4px 0; }
.site-footer a:hover { color: var(--blue-light); }
.footer-brand p { margin-top: 14px; max-width: 300px; }
.footer-socials { display: flex; gap: 10px; margin-top: 18px; }
.footer-socials a { width: 38px; height: 38px; border-radius: 50%; background: var(--ink-2); color: #c6d6e4; display: flex; align-items: center; justify-content: center; padding: 0; }
.footer-socials a:hover { background: var(--blue); color: #fff; }
.footer-socials svg { width: 18px; height: 18px; fill: currentColor; display: block; }
.footer-bottom { border-top: 1px solid rgba(255, 255, 255, 0.12); margin-top: 44px; padding: 22px 0; display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; font-size: 0.82rem; }

/* ---------- Inner page hero ---------- */
.page-hero { background: linear-gradient(140deg, #071a2e, var(--ink-2)); color: #bfd2e4; padding: 64px 0; }
.page-hero h1 { color: #fff; margin-bottom: 10px; }
.page-hero .lead { max-width: 760px; }
.breadcrumbs { font-size: 0.85rem; color: #8199b1; margin-bottom: 16px; }
.breadcrumbs a { color: #c2d5e6; }
.breadcrumbs a:hover { color: var(--blue-light); }

/* ---------- Calculator page ---------- */
.calc-wrap { display: grid; grid-template-columns: 380px 1fr; gap: 32px; align-items: start; margin-top: -40px; position: relative; z-index: 2; }
.calc-panel { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); padding: 28px; }
.calc-panel h2 { font-size: 1.1rem; margin-bottom: 18px; }
.calc-results { display: flex; flex-direction: column; gap: 20px; }
.result-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); padding: 28px; }
.result-card.flat { box-shadow: none; background: var(--paper); text-align: center; }
.result-main { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; text-align: center; }
.result-main .rm { background: var(--paper); border-radius: 12px; padding: 18px 10px; }
.result-main .rm .lbl { font-size: 0.8rem; font-weight: 600; color: var(--text-soft); }
.result-main .rm .val { font-family: var(--font-head); font-weight: 800; font-size: 1.55rem; color: var(--ink); }
.result-main .rm.hl { background: var(--ink); }
.result-main .rm.hl .lbl { color: #9db2c6; }
.result-main .rm.hl .val { color: #fff; }
.result-main .rm.hl .val em { color: var(--blue-light); font-style: normal; }
.retention { text-align: center; margin-top: 16px; font-size: 0.9rem; color: var(--text-soft); }
.retention strong { font-family: var(--font-head); font-size: 1.15rem; color: var(--green); }

.bar { display: flex; height: 30px; border-radius: 8px; overflow: hidden; margin: 22px 0 8px; background: var(--paper); }
.bar-seg { height: 100%; }
.bar-legend { display: flex; flex-wrap: wrap; gap: 8px 18px; font-size: 0.8rem; color: var(--text-soft); margin-bottom: 18px; }
.bar-legend span { display: inline-flex; align-items: center; gap: 6px; }
.bar-legend i { width: 11px; height: 11px; border-radius: 3px; display: inline-block; }
.seg-takehome { background: var(--seg-takehome); }
.seg-tax { background: var(--seg-tax); }
.seg-ni { background: var(--seg-ni); }
.seg-employer { background: var(--seg-employer); }
.seg-margin { background: var(--seg-margin); }

.breakdown { width: 100%; border-collapse: collapse; font-size: 0.93rem; }
.breakdown td { padding: 11px 6px; border-bottom: 1px solid var(--line); }
.breakdown td:last-child { text-align: right; font-weight: 600; color: var(--ink); white-space: nowrap; }
.breakdown tr.total td { border-bottom: 0; font-family: var(--font-head); font-weight: 800; font-size: 1.05rem; color: var(--ink); padding-top: 16px; }
.breakdown tr.total td:last-child { color: var(--green); }
.breakdown tr.neg td:last-child { color: var(--teal); }
.breakdown tr.sub td { color: var(--text-soft); }

.note {
  background: var(--blue-soft);
  border-left: 4px solid var(--blue);
  border-radius: 0 10px 10px 0;
  padding: 14px 18px;
  font-size: 0.88rem;
  color: #0e3f66;
}
.note.green { background: #e6f6ec; border-left-color: var(--green); color: #0b4a26; }
.disclaimer { font-size: 0.8rem; color: var(--text-soft); margin-top: 14px; }
details.assumptions { border: 1px solid var(--line); border-radius: var(--radius); padding: 16px 20px; background: var(--paper); font-size: 0.9rem; }
details.assumptions summary { font-family: var(--font-head); font-weight: 700; color: var(--ink); cursor: pointer; }
details.assumptions ul { margin: 12px 0 0 20px; }
details.assumptions li { margin-bottom: 6px; }

.two-col-list { columns: 2; column-gap: 48px; list-style: none; }
.two-col-list li { padding: 7px 0 7px 28px; position: relative; font-size: 0.95rem; }
.two-col-list li::before { content: "✓"; position: absolute; left: 0; color: var(--green); font-weight: 800; }

/* ---------- Prose (guides & legal pages) ---------- */
.prose { max-width: 780px; }
.prose h2 { margin: 2em 0 0.6em; font-size: 1.45rem; }
.prose h3 { margin: 1.6em 0 0.5em; }
.prose ul, .prose ol { margin: 0 0 1.2em 1.4em; }
.prose li { margin-bottom: 0.5em; }
.prose table { width: 100%; border-collapse: collapse; margin: 1.5em 0; font-size: 0.93em; }
.prose th, .prose td { border: 1px solid var(--line); padding: 10px 14px; text-align: left; vertical-align: top; }
.prose th { background: var(--ink); color: #fff; font-family: var(--font-head); }
.prose tbody tr:nth-child(even) { background: var(--paper); }
.prose blockquote { border-left: 4px solid var(--blue); background: var(--paper); padding: 16px 20px; border-radius: 0 10px 10px 0; margin: 1.4em 0; font-style: italic; }
.article-meta { display: flex; gap: 18px; flex-wrap: wrap; font-size: 0.85rem; color: var(--text-soft); margin-top: 10px; }

/* ---------- Article layout (guides) ---------- */
.article-layout { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 56px; align-items: start; }
.article-aside { position: sticky; top: 100px; display: flex; flex-direction: column; gap: 20px; }
.aside-card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.aside-card h4 { margin-bottom: 10px; }
.aside-card p { font-size: 0.9rem; color: var(--text-soft); }
.aside-card.dark { background: var(--ink); border-color: var(--ink); }
.aside-card.dark h4 { color: #fff; }
.aside-card.dark p { color: #bfd2e4; }
.toc { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px 26px; margin: 0 0 34px; }
.toc h4 { font-size: 0.95rem; margin-bottom: 10px; }
.toc ol { margin: 0 0 0 20px; }
.toc li { margin-bottom: 4px; font-size: 0.93rem; }
.key-facts { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; margin: 26px 0 34px; }
.key-fact { background: var(--blue-soft); border-radius: var(--radius); padding: 18px 20px; }
.key-fact .kf-lbl { font-size: 0.78rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--blue-dark); }
.key-fact .kf-val { font-family: var(--font-head); font-weight: 800; font-size: 1.25rem; color: var(--ink); }

/* ---------- Info cards & pills ---------- */
.info-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.info-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 30px; }
.info-card .icon { width: 50px; height: 50px; border-radius: 14px; background: var(--blue-soft); color: var(--blue-dark); display: flex; align-items: center; justify-content: center; margin-bottom: 16px; }
.info-card h3 { font-size: 1.05rem; margin-bottom: 6px; }
.info-card p, .info-card a { font-size: 0.95rem; margin: 0; }
.pill { display: inline-block; background: var(--blue-soft); color: var(--blue-dark); font-family: var(--font-head); font-weight: 700; font-size: 0.78rem; padding: 5px 14px; border-radius: 999px; }

/* ---------- Quote wizard (quote page) ---------- */
.wizard { max-width: 640px; margin: 0 auto; }
.wizard-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 44px 40px;
}
/* ---------- Quote page ----------
   The intro lives inside the wizard card, so question 1 sits above the fold
   on a phone. There is deliberately no separate page-hero on this page. */
.wizard-intro { padding-bottom: 22px; margin-bottom: 22px; border-bottom: 1px solid var(--line); }
.wizard-intro h1 { font-size: clamp(1.5rem, 3vw, 2.05rem); margin-bottom: 10px; }
.wizard-intro p { color: var(--text-soft); font-size: 0.98rem; margin: 0; max-width: 46ch; }

.quote-trust { list-style: none; display: flex; flex-wrap: wrap; gap: 8px; margin-top: 16px; }
.quote-trust li { background: var(--blue-soft); color: var(--blue-dark); border-radius: 999px; padding: 6px 14px; font-size: 0.82rem; font-weight: 600; }
.quote-trust strong { color: var(--blue-dark); }

.quote-page { padding: 32px 0 56px; }

@media (max-width: 640px) {
  .quote-page { padding: 18px 0 44px; }
  .wizard-card { padding: 24px 20px; }
  .wizard-intro { padding-bottom: 16px; margin-bottom: 16px; }
  .wizard-intro p { font-size: 0.94rem; }
  /* As chips these wrap to four rows on a phone — collapse to one flowing line */
  .quote-trust { display: block; margin-top: 12px; }
  .quote-trust li { display: inline; background: none; padding: 0; font-size: 0.86rem; color: var(--text-soft); font-weight: 500; }
  .quote-trust li::after { content: " · "; color: var(--line); }
  .quote-trust li:last-child::after { content: ""; }
  .quote-trust strong { color: var(--text); }
}

.wizard-head { display: flex; align-items: center; gap: 16px; margin-bottom: 22px; }
.wz-back { border: 0; background: none; font-family: var(--font-head); font-weight: 700; color: var(--text-soft); cursor: pointer; display: flex; gap: 6px; align-items: center; font-size: 0.9rem; padding: 6px 0; }
.wz-back:hover { color: var(--blue); }
.wizard-progress { flex: 1; }
.wizard-progress .wz-track { height: 6px; background: var(--paper); border-radius: 999px; overflow: hidden; }
.wizard-progress .wz-fill { height: 100%; width: 0; background: linear-gradient(90deg, var(--blue), var(--teal)); transition: width 0.35s ease; border-radius: 999px; }
.wizard-progress .wz-label { font-size: 0.78rem; color: var(--text-soft); margin-top: 6px; display: block; }

.wizard-step { display: none; }
.wizard-step.is-active { display: block; animation: wzIn 0.3s ease; }
@keyframes wzIn { from { opacity: 0; transform: translateX(20px); } to { opacity: 1; transform: none; } }
.wizard-q { font-size: 1.45rem; margin-bottom: 22px; color: var(--ink); }
.wizard-note { font-size: 0.92rem; color: var(--text-soft); margin: -12px 0 20px; }

.wz-options { display: grid; gap: 12px; }
.wz-options.cols-2 { grid-template-columns: 1fr 1fr; }
.wz-options.cols-3 { grid-template-columns: repeat(3, 1fr); }
.wz-options.days { display: flex; flex-wrap: wrap; }
.wz-options.days .wz-option { flex: 1 1 76px; }
.wz-option { position: relative; }
.wz-option input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.wz-option span {
  display: block;
  border: 2px solid var(--line);
  border-radius: 12px;
  padding: 16px 20px;
  font-family: var(--font-head);
  font-weight: 700;
  color: var(--ink);
  text-align: center;
  background: #fff;
  cursor: pointer;
  transition: border-color 0.15s, background 0.15s, color 0.15s, box-shadow 0.15s, transform 0.15s;
}
.wz-option:hover span { border-color: var(--blue-line); transform: translateY(-1px); }
.wz-option input:checked + span,
.wz-option input:focus-visible + span {
  border-color: var(--blue);
  background: var(--blue-soft);
  color: var(--blue-dark);
  box-shadow: 0 6px 18px rgba(11, 107, 181, 0.12);
}
.wz-option input:checked + span::after { content: "✓"; float: right; color: var(--green); }

.wizard-input {
  width: 100%;
  padding: 16px 18px;
  border: 2px solid var(--line);
  border-radius: 12px;
  font-size: 1.2rem;
  font-family: var(--font-body);
  color: var(--ink);
  transition: border-color 0.15s, box-shadow 0.15s;
}
.wizard-input:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(11, 107, 181, 0.15); }
.wz-input-wrap { position: relative; }
.wz-input-wrap .prefix { position: absolute; left: 18px; top: 50%; transform: translateY(-50%); font-size: 1.2rem; color: var(--text-soft); font-weight: 600; }
.wz-input-wrap .wizard-input { padding-left: 44px; }
.wz-contact { display: grid; gap: 12px; }

/* Consent, honeypot, Turnstile host, send-failure panel */
.wz-consent { display: flex; gap: 10px; align-items: flex-start; margin-top: 4px; font-size: 0.9rem; color: var(--text-soft); cursor: pointer; }
.wz-consent input { width: 18px; height: 18px; margin-top: 2px; flex: 0 0 auto; accent-color: var(--blue); cursor: pointer; }
.wz-consent a { color: var(--blue); text-decoration: underline; }
.wz-turnstile:empty { display: none; }
.wz-hp { position: absolute; left: -9999px; width: 1px; height: 1px; opacity: 0; }
.wz-fail { margin-top: 18px; padding: 18px 20px; border-radius: var(--radius); background: #fdecec; border-left: 4px solid #c0392b; color: #7a2318; font-size: 0.92rem; }
.wz-fail strong { display: block; font-family: var(--font-head); margin-bottom: 6px; }
.wz-fail p { margin: 0 0 14px; }
.wz-fail a { color: #7a2318; font-weight: 600; }

/* Visually hidden but present in the DOM — used by screen readers and by
   browser autofill heuristics, which look for a label tied to the input. */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  clip-path: inset(50%);
  white-space: nowrap;
  border: 0;
}

.wizard-nav { display: flex; justify-content: space-between; align-items: center; gap: 14px; margin-top: 30px; }
.wizard-error { color: #c0392b; font-size: 0.85rem; margin-top: 12px; display: none; }
.wizard-error.show { display: block; }
.kbd-hint { font-size: 0.78rem; color: var(--text-soft); text-align: center; margin-top: 18px; }

@media (max-width: 560px) {
  .wizard-card { padding: 32px 22px; }
  .wz-options.cols-2, .wz-options.cols-3 { grid-template-columns: 1fr; }
  .wizard-q { font-size: 1.25rem; }
}

/* ---------- Results page ---------- */
.results-hero {
  background:
    radial-gradient(900px 420px at 86% -18%, rgba(127, 195, 232, 0.30), transparent 62%),
    radial-gradient(700px 380px at -8% 112%, rgba(1, 149, 70, 0.20), transparent 58%),
    linear-gradient(150deg, #071a2e 0%, var(--ink) 55%, var(--ink-2) 100%);
  color: #c2d5e6;
  padding: 64px 0 76px;
}
.results-hero h1 { color: #fff; }
.results-hero .lead { color: #bfd2e4; max-width: 660px; }
.result-ring { display: flex; gap: 34px; align-items: center; flex-wrap: wrap; margin-top: 30px; }
.ring { position: relative; width: 156px; height: 156px; flex: 0 0 auto; }
.ring svg { transform: rotate(-90deg); display: block; }
.ring circle { fill: none; stroke-width: 12; }
.ring .track { stroke: rgba(255, 255, 255, 0.14); }
.ring .bar { stroke: var(--green); stroke-linecap: round; stroke-dasharray: 390; stroke-dashoffset: 390; transition: stroke-dashoffset 1.3s cubic-bezier(0.22, 1, 0.36, 1); }
.ring .ring-val { position: absolute; inset: 0; display: flex; flex-direction: column; align-items: center; justify-content: center; }
.ring .ring-val b { font-family: var(--font-head); font-size: 2.05rem; color: #fff; line-height: 1; }
.ring .ring-val span { font-size: 0.68rem; color: #93a9bf; text-transform: uppercase; letter-spacing: 0.1em; margin-top: 4px; }
.result-facts { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 4px; }
.result-facts .chip { background: rgba(255, 255, 255, 0.08); border-color: rgba(255, 255, 255, 0.18); color: #dce9f5; }
.result-facts .chip b { color: #fff; }
.link-btn { background: none; border: 0; color: var(--blue-light); font: inherit; font-weight: 600; cursor: pointer; text-decoration: underline; padding: 0; }
.link-btn:hover { color: #a3d5f1; }

.chip { display: inline-flex; align-items: center; gap: 8px; padding: 9px 18px; border-radius: 999px; font-family: var(--font-head); font-weight: 700; font-size: 0.83rem; background: var(--blue-soft); color: var(--blue-dark); border: 1.5px solid transparent; cursor: pointer; transition: 0.15s; }
.chip:hover { background: var(--blue-line); }
.chip.active { background: var(--blue); color: #fff; }
.filter-row { display: flex; gap: 10px; flex-wrap: wrap; align-items: center; }
.filter-row .filter-lbl { font-family: var(--font-head); font-weight: 700; font-size: 0.85rem; color: var(--text-soft); margin-right: 4px; }

.provider-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(340px, 1fr)); gap: 26px; margin-top: 34px; }
.provider-card {
  position: relative;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 32px 28px 28px;
  box-shadow: var(--shadow);
  display: flex;
  flex-direction: column;
  transition: transform 0.2s, box-shadow 0.2s, border-color 0.2s;
}
.provider-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); border-color: var(--blue-line); }
.provider-card.best { border-color: var(--blue); box-shadow: var(--shadow-lg); }
.pc-brand { height: 48px; display: flex; align-items: center; margin-bottom: 16px; }
.pc-brand img { height: 48px; width: auto; max-width: 190px; object-fit: contain; object-position: left center; }
.pm-logo { height: 44px; width: auto; max-width: 200px; object-fit: contain; margin-bottom: 10px; }
.ribbon { position: absolute; top: -13px; left: 26px; background: var(--blue); color: #fff; font-family: var(--font-head); font-weight: 800; font-size: 0.7rem; letter-spacing: 0.08em; text-transform: uppercase; padding: 6px 15px; border-radius: 999px; }
.pc-head { display: flex; justify-content: space-between; align-items: flex-start; gap: 14px; margin-bottom: 16px; }
.pc-name { font-family: var(--font-head); font-weight: 800; font-size: 1.22rem; color: var(--ink); line-height: 1.2; }
.pc-tag { font-size: 0.76rem; color: var(--text-soft); margin-top: 4px; }
.pc-pct { text-align: right; flex: 0 0 auto; }
.pc-pct b { display: block; font-family: var(--font-head); font-size: 1.85rem; color: var(--green); line-height: 1; }
.pc-pct span { font-size: 0.68rem; color: var(--text-soft); text-transform: uppercase; letter-spacing: 0.08em; }
.pc-list { list-style: none; margin: 0 0 16px; }
.pc-list li { position: relative; padding: 6px 0 6px 26px; font-size: 0.92rem; }
.pc-list li::before { content: "✓"; position: absolute; left: 0; top: 6px; color: var(--green); font-weight: 800; }
.pc-offer { background: var(--blue-soft); border-radius: 10px; padding: 11px 15px; font-size: 0.85rem; color: var(--blue-dark); font-weight: 600; margin-bottom: 14px; }
.pc-meta { font-size: 0.8rem; color: var(--text-soft); margin-bottom: 18px; }
.pc-actions { margin-top: auto; display: flex; gap: 10px; flex-wrap: wrap; }
.pc-more { display: none; margin-top: 18px; padding-top: 16px; border-top: 1px dashed var(--line); font-size: 0.88rem; color: var(--text-soft); }
.provider-card.expanded .pc-more { display: block; }
.pc-more strong { color: var(--ink); }

.assumption-note { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 20px 24px; font-size: 0.88rem; color: var(--text-soft); }
.assumption-note h4 { font-size: 0.9rem; margin-bottom: 8px; }
.assumption-note ul { margin: 8px 0 0 18px; }
.assumption-note li { margin-bottom: 4px; }

.tp-summary { display: flex; align-items: center; gap: 22px; flex-wrap: wrap; background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 22px 28px; box-shadow: var(--shadow); }
.tp-score { font-family: var(--font-head); font-size: 2.5rem; font-weight: 800; color: var(--ink); line-height: 1; }
.stars { color: #00b67a; letter-spacing: 3px; font-size: 1.05rem; }
.review-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(290px, 1fr)); gap: 20px; margin-top: 26px; }
.review-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.review-card p { font-size: 0.92rem; margin-bottom: 0; }
.review-who { display: flex; align-items: center; gap: 12px; margin-top: 16px; font-size: 0.84rem; color: var(--text-soft); }
.avatar { width: 36px; height: 36px; border-radius: 50%; background: var(--blue-soft); color: var(--blue-dark); display: flex; align-items: center; justify-content: center; font-family: var(--font-head); font-weight: 800; font-size: 0.8rem; flex: 0 0 auto; }

dialog.modal { border: 0; padding: 0; border-radius: var(--radius-lg); width: calc(100% - 32px); max-width: 720px; background: #fff; color: var(--text); box-shadow: var(--shadow-lg); }
dialog.modal::backdrop { background: rgba(7, 26, 46, 0.58); }
.modal-head { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 22px 26px; border-bottom: 1px solid var(--line); }
.modal-head h2 { font-size: 1.2rem; }
.modal-body { padding: 24px 26px 32px; max-height: 68vh; overflow: auto; font-size: 0.92rem; }
.modal-close { border: 0; background: var(--paper); width: 38px; height: 38px; border-radius: 50%; font-size: 1.15rem; cursor: pointer; color: var(--ink); flex: 0 0 auto; }
.modal-close:hover { background: var(--blue-soft); color: var(--blue-dark); }
.modal-sub { font-family: var(--font-head); font-size: 0.8rem; font-weight: 800; letter-spacing: 0.1em; text-transform: uppercase; color: var(--blue-dark); margin: 24px 0 10px; }
.modal-sub:first-child { margin-top: 0; }
.modal-list { list-style: none; margin: 0; }
.modal-list li { position: relative; padding: 5px 0 5px 24px; font-size: 0.93rem; }
.modal-list li::before { content: "✓"; position: absolute; left: 0; top: 5px; color: var(--green); font-weight: 800; }
.modal-cta { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 28px; padding-top: 22px; border-top: 1px solid var(--line); }
.modal-pct { font-size: 0.85rem; color: var(--text-soft); margin-top: 4px; }
.modal-pct span { font-family: var(--font-head); font-weight: 800; color: var(--green); font-size: 1.05rem; }

@media (max-width: 560px) {
  .result-ring { gap: 22px; }
  .ring { width: 132px; height: 132px; }
  .provider-grid { grid-template-columns: 1fr; }
}

/* ---------- Reveal ---------- */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity 0.6s ease, transform 0.6s ease; }
.reveal.visible { opacity: 1; transform: none; }

/* ---------- Responsive ---------- */
@media (max-width: 1000px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .calc-grid, .guide-grid, .info-cards { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .hero .container { grid-template-columns: 1fr; gap: 40px; }
  .calc-wrap { grid-template-columns: 1fr; margin-top: 24px; }
  .article-layout { grid-template-columns: 1fr; gap: 40px; }
  .article-aside { position: static; }
}
@media (max-width: 820px) {
  .main-nav {
    position: fixed;
    top: 0; bottom: 0; right: -110%;
    width: min(320px, 85vw);
    background: #fff;
    flex-direction: column;
    align-items: flex-start;
    padding: 90px 32px 32px;
    gap: 18px;
    box-shadow: var(--shadow-lg);
    transition: right 0.25s ease;
  }
  .main-nav a { font-size: 1.05rem; }
  .nav-open .main-nav { right: 0; }
  .nav-toggle { display: block; z-index: 60; }
  .nav-open .nav-toggle span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
  .nav-open .nav-toggle span:nth-child(2) { opacity: 0; }
  .nav-open .nav-toggle span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }
  .steps { grid-template-columns: 1fr; }
  .split { grid-template-columns: 1fr; gap: 36px; }
  .stats-band .container { grid-template-columns: repeat(2, 1fr); gap: 28px; }
  .result-main { grid-template-columns: 1fr; }
  .two-col-list { columns: 1; }
  .grid-3 { grid-template-columns: 1fr; }
  .key-facts { grid-template-columns: 1fr; }
}
@media (max-width: 560px) {
  .calc-grid, .guide-grid, .grid-4, .info-cards { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .section { padding: 64px 0; }
  .hero { padding-top: 56px; }
  .hero .container { padding-bottom: 64px; }
  .cta-band { padding: 48px 26px; }
}

/* ---------- Colour utilities (use these instead of inline styles) ---------- */
.txt-lightblue { color: var(--blue-light); }
.txt-green { color: var(--green); }
.txt-teal { color: var(--teal); }
.txt-soft { color: var(--text-soft); }
.retention .neg { color: var(--teal); }
.mt-sm { margin-top: 16px; }
.mt-md { margin-top: 26px; }
.mt-lg { margin-top: 44px; }