/* =========================================================
   MONEY EXPERTS · design system v2
   Black and gold. Playfair Display (display) + Inter (body).
   ========================================================= */
:root{
  --black:#0D0D0D; --black-2:#141311; --black-3:#1C1A17; --black-4:#26231F;
  --gold:#C49E4E; --gold-light:#DDBE76; --gold-dim:#8A6E36; --gold-wash:rgba(196,158,78,.12);
  --paper:#F5F3EF; --paper-2:#ECE7DE; --white:#fff;
  --ink:#1A1814; --ink-2:#3A352D; --muted:#6B6560; --muted-dark:#A39D94;
  --line:#E2DCD1; --line-dark:rgba(255,255,255,.10);
  --ok:#3E8E5E; --warn:#C2412D;
  --font-display:"Playfair Display",Georgia,"Times New Roman",serif;
  --font-body:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --s1:4px;--s2:8px;--s3:12px;--s4:16px;--s5:24px;--s6:32px;--s7:48px;--s8:64px;--s9:96px;--s10:128px;
  --r-sm:6px;--r-md:10px;--r-lg:16px;--r-xl:24px;
  --container:1200px;
  --shadow:0 18px 50px rgba(0,0,0,.28);
  --shadow-light:0 10px 30px rgba(26,24,20,.08);
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font:400 17px/1.65 var(--font-body);color:var(--ink);background:var(--paper);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:4px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:8px;background:var(--gold);color:var(--black);padding:10px 16px;border-radius:var(--r-sm);font-weight:700;z-index:100}
.skip:focus{left:8px}
.wrap{width:100%;max-width:var(--container);margin:0 auto;padding:0 24px}
@media (max-width:640px){.wrap{padding:0 16px}}

/* type */
.eyebrow{display:inline-flex;align-items:center;gap:12px;font:600 12.5px/1 var(--font-body);letter-spacing:.2em;text-transform:uppercase;color:var(--gold)}
.eyebrow::before{content:"";width:28px;height:1px;background:currentColor}
.display{font:700 clamp(40px,5.6vw,72px)/1.04 var(--font-display);letter-spacing:-.01em;margin:0}
.h1{font:700 clamp(32px,4vw,50px)/1.1 var(--font-display);letter-spacing:-.005em;margin:0}
.h2{font:700 clamp(26px,2.8vw,36px)/1.15 var(--font-display);margin:0}
.h3{font:700 22px/1.25 var(--font-display);margin:0}
.h4{font:600 17px/1.35 var(--font-body);margin:0}
.gold{color:var(--gold)} .italic{font-style:italic}
.lede{font-size:19px;line-height:1.65;color:var(--muted);margin:0}
.dark .lede,.dark-2 .lede,.hero .lede,.page-hero .lede,.cta .lede{color:#C9C3B8}
.small{font-size:14px} .caption{font-size:13px;color:var(--muted)}
.dark .caption{color:var(--muted-dark)}
p{margin:0 0 1em} p:last-child{margin-bottom:0}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:14px 26px;border-radius:var(--r-sm);font:600 15.5px/1.2 var(--font-body);letter-spacing:.02em;text-decoration:none;border:1.5px solid transparent;cursor:pointer;transition:background .15s,color .15s,border-color .15s,transform .15s}
.btn:hover{transform:translateY(-1px)}
.btn--gold{background:var(--gold);color:var(--black)} .btn--gold:hover{background:var(--gold-light)}
.btn--ghost{border-color:rgba(196,158,78,.55);color:var(--gold)} .btn--ghost:hover{background:var(--gold-wash);border-color:var(--gold)}
.btn--dark{background:var(--black);color:#fff} .btn--dark:hover{background:var(--black-4)}
.btn--outline{border-color:var(--ink);color:var(--ink)} .btn--outline:hover{background:var(--ink);color:#fff}
.btn--sm{min-height:42px;padding:10px 18px;font-size:14px}
.btn svg{width:18px;height:18px;flex:none}
.row{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.link{font-weight:600;color:var(--gold-dim);text-decoration:none;display:inline-flex;align-items:center;gap:8px}
.link::after{content:"→";transition:transform .15s}
.link:hover::after{transform:translateX(4px)}
.dark .link{color:var(--gold)}

/* header */
.topbar{background:var(--black);color:var(--muted-dark);font-size:13px;border-bottom:1px solid var(--line-dark)}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;padding-top:8px;padding-bottom:8px}
.topbar a{color:#fff;text-decoration:none;font-weight:600;white-space:nowrap}
@media (max-width:640px){.topbar__tag{display:none}.topbar .wrap{justify-content:center}}
.header{position:sticky;top:0;z-index:50;background:rgba(13,13,13,.94);backdrop-filter:saturate(140%) blur(10px);-webkit-backdrop-filter:saturate(140%) blur(10px);border-bottom:1px solid var(--line-dark)}
.header .wrap{display:flex;align-items:center;gap:24px;min-height:76px}
.logo{display:block;flex:none} .logo img{height:34px;width:auto}
.nav{display:flex;align-items:center;gap:4px;margin-left:auto}
.nav > a,.nav__item > a{color:#E9E4DA;text-decoration:none;font-size:14.5px;font-weight:500;padding:10px 14px;border-radius:var(--r-sm);display:inline-flex;align-items:center;gap:6px}
.nav > a:hover,.nav__item > a:hover,.nav a[aria-current="page"]{color:var(--gold)}
.nav__item{position:relative}
.nav__item svg{width:10px;height:10px}
.drop{position:absolute;top:calc(100% + 8px);left:-12px;min-width:330px;background:var(--black-2);border:1px solid var(--line-dark);border-radius:var(--r-lg);box-shadow:var(--shadow);padding:10px;opacity:0;visibility:hidden;transform:translateY(6px);transition:opacity .15s,transform .15s,visibility .15s}
.nav__item:hover .drop,.nav__item:focus-within .drop{opacity:1;visibility:visible;transform:none}
.drop a{display:block;padding:12px 14px;border-radius:var(--r-md);text-decoration:none;color:#fff;font-weight:600;font-size:15px}
.drop a small{display:block;font-weight:400;font-size:13px;color:var(--muted-dark);margin-top:2px}
.drop a:hover{background:var(--black-4)} .drop a:hover small{color:#D6D0C6}
.header .btn{margin-left:8px}
.menu{display:none;margin-left:auto}
.menu summary{list-style:none;cursor:pointer;width:46px;height:46px;border:1px solid var(--line-dark);border-radius:var(--r-sm);display:grid;place-items:center}
.menu summary::-webkit-details-marker{display:none}
.menu summary span,.menu summary span::before,.menu summary span::after{display:block;width:20px;height:2px;background:var(--gold);position:relative;content:""}
.menu summary span::before{position:absolute;top:-6px} .menu summary span::after{position:absolute;top:6px}
.menu__panel{position:absolute;left:0;right:0;top:100%;background:var(--black-2);border-bottom:1px solid var(--line-dark);padding:12px 16px 20px;display:flex;flex-direction:column;max-height:calc(100vh - 76px);overflow:auto}
.menu__panel a{color:#fff;text-decoration:none;padding:14px 4px;border-bottom:1px solid var(--line-dark);font-weight:500}
.menu__panel .btn{margin-top:16px;border:0}
@media (max-width:1240px){.nav,.header .btn--desk{display:none}.menu{display:block}}

/* sections */
.section{padding:var(--s9) 0}
.section--tight{padding:var(--s8) 0}
.dark{background:var(--black);color:#fff}
.dark-2{background:var(--black-2);color:#fff}
.paper-2{background:var(--paper-2)}
.white{background:#fff}
.sechead{max-width:760px;display:flex;flex-direction:column;gap:16px;margin-bottom:var(--s7)}
.sechead--center{margin-left:auto;margin-right:auto;text-align:center;align-items:center}
.sechead--center .eyebrow::after{content:"";width:28px;height:1px;background:currentColor}
.split{display:grid;grid-template-columns:1fr 1fr;gap:var(--s8);align-items:center}
.split > *{min-width:0}
@media (max-width:960px){.split{grid-template-columns:1fr;gap:var(--s6)}.section{padding:var(--s8) 0}}

/* hero */
.hero{position:relative;background:radial-gradient(1200px 600px at 78% 30%,rgba(196,158,78,.16),transparent 60%),var(--black);color:#fff;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:var(--s6);align-items:end;min-height:640px}
.hero__copy{padding:var(--s9) 0;display:flex;flex-direction:column;gap:24px;align-self:center}
.hero__copy .lede{max-width:560px}
.hero__photo{align-self:end;position:relative}
.hero__photo img{width:100%;max-width:520px;margin-left:auto;filter:drop-shadow(0 30px 60px rgba(0,0,0,.55))}
.hero__badge{position:absolute;left:0;bottom:56px;background:rgba(20,19,17,.92);border:1px solid rgba(196,158,78,.4);border-radius:var(--r-lg);padding:16px 20px;display:flex;flex-direction:column;gap:2px;box-shadow:var(--shadow);backdrop-filter:blur(6px)}
.hero__badge b{font:700 20px/1.2 var(--font-display);color:#fff} .hero__badge span{font-size:13px;color:var(--muted-dark)}
.trust{display:flex;flex-wrap:wrap;gap:8px 22px;font-size:13.5px;color:var(--muted-dark)}
.trust b{color:#fff;font-weight:600}
.trust span{display:inline-flex;align-items:center;gap:8px}
.trust span::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--gold)}
@media (max-width:960px){.hero .wrap{grid-template-columns:1fr;min-height:0}.hero__copy{padding:var(--s8) 0 0}.hero__photo img{max-width:380px;margin:0 auto}.hero__badge{left:8px;bottom:24px}}
.page-hero{background:radial-gradient(900px 500px at 85% 0%,rgba(196,158,78,.14),transparent 60%),var(--black);color:#fff;padding:var(--s9) 0 var(--s8)}
.page-hero .wrap{display:flex;flex-direction:column;gap:22px;max-width:900px;margin-left:max(0px,calc((100vw - var(--container))/2));}
.page-hero .lede{max-width:720px}
.crumb{font-size:13px;color:var(--muted-dark)} .crumb a{color:var(--muted-dark)}
@media (max-width:1248px){.page-hero .wrap{margin-left:auto}}

/* gold band */
.band{background:linear-gradient(90deg,#B98F3E,var(--gold) 40%,#D5B26A);color:var(--black)}
.band .wrap{display:grid;grid-template-columns:repeat(4,1fr)}
.band__item{padding:28px 20px;text-align:center;border-left:1px solid rgba(13,13,13,.15)}
.band__item:first-child{border-left:0}
.band__item b{display:block;font:700 40px/1 var(--font-display)}
.band__item span{display:block;margin-top:8px;font-size:12px;font-weight:700;letter-spacing:.16em;text-transform:uppercase}
@media (max-width:760px){.band .wrap{grid-template-columns:1fr 1fr}.band__item:nth-child(3){border-left:0}.band__item:nth-child(n+3){border-top:1px solid rgba(13,13,13,.15)}.band__item b{font-size:32px}}

/* buckets */
.buckets{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.bucket{position:relative;border-radius:var(--r-lg);padding:30px 26px 26px;background:#fff;border:1px solid var(--line);display:flex;flex-direction:column;gap:14px;box-shadow:var(--shadow-light)}
.bucket__num{font:700 13px/1 var(--font-body);letter-spacing:.18em;text-transform:uppercase;color:var(--muted)}
.bucket__tag{align-self:flex-start;font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:6px 10px;border-radius:999px;background:var(--paper-2);color:var(--ink-2)}
.bucket ul{margin:0;padding:0;list-style:none;display:flex;flex-direction:column;gap:8px;font-size:15.5px;color:var(--ink-2)}
.bucket li{padding-left:22px;position:relative}
.bucket li::before{content:"";position:absolute;left:0;top:.62em;width:10px;height:2px;background:var(--gold)}
.bucket__meter{height:8px;border-radius:999px;background:var(--paper-2);overflow:hidden;margin-top:auto}
.bucket__meter i{display:block;height:100%;background:var(--gold-dim)}
.bucket--trap{border-color:#E8C9C2} .bucket--trap .bucket__tag{background:#FBEDEA;color:var(--warn)} .bucket--trap .bucket__meter i{background:var(--warn)}
.bucket--goal{background:var(--black);color:#fff;border-color:var(--gold);box-shadow:var(--shadow)}
.bucket--goal .bucket__num{color:var(--gold)} .bucket--goal ul{color:#E3DED4} .bucket--goal .bucket__tag{background:var(--gold);color:var(--black)} .bucket--goal .bucket__meter{background:var(--black-4)} .bucket--goal .bucket__meter i{background:var(--gold)}
@media (max-width:900px){.buckets{grid-template-columns:1fr}}

/* cards */
.grid{display:grid;gap:20px;grid-template-columns:repeat(3,1fr)}
.grid--2{grid-template-columns:repeat(2,1fr)}
.grid--4{grid-template-columns:repeat(4,1fr)}
@media (max-width:960px){.grid,.grid--4{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.grid,.grid--2,.grid--4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px;display:flex;flex-direction:column;gap:12px;text-decoration:none;color:var(--ink);transition:transform .15s,box-shadow .15s,border-color .15s}
a.card:hover{transform:translateY(-3px);box-shadow:var(--shadow-light);border-color:var(--gold)}
.card p{margin:0;color:var(--muted);font-size:15.5px}
.card .link{margin-top:auto;padding-top:6px}
.icon{width:48px;height:48px;border-radius:12px;display:grid;place-items:center;background:var(--gold-wash);color:var(--gold-dim)}
.icon svg{width:24px;height:24px}
.dark .card,.dark-2 .card{background:var(--black-3);border-color:var(--line-dark);color:#fff}
.dark .card p,.dark-2 .card p{color:var(--muted-dark)}
.dark .icon,.dark-2 .icon{color:var(--gold)}

/* tripod */
.tripod{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--line-dark);border-radius:var(--r-lg);overflow:hidden}
.tripod > div{padding:34px 32px;border-left:1px solid var(--line-dark);display:flex;flex-direction:column;gap:10px}
.tripod > div:first-child{border-left:0}
.tripod b{font:700 13px/1 var(--font-body);letter-spacing:.18em;color:var(--gold);text-transform:uppercase}
.tripod p{margin:0;color:var(--muted-dark);font-size:15.5px}
@media (max-width:820px){.tripod{grid-template-columns:1fr}.tripod > div{border-left:0;border-top:1px solid var(--line-dark)}.tripod > div:first-child{border-top:0}}

/* gaps */
.gap{background:var(--black-3);border:1px solid var(--line-dark);border-radius:var(--r-lg);padding:30px;display:flex;flex-direction:column;gap:14px;color:#fff}
.gap__num{font:600 12px/1 var(--font-body);letter-spacing:.2em;color:var(--gold)}
.gap p{margin:0;color:var(--muted-dark);font-size:15.5px}
.gap__stat{margin-top:auto;padding-top:16px;border-top:1px solid var(--line-dark);font:700 22px/1.2 var(--font-display);color:var(--gold-light)}
.gap__stat small{display:block;font:500 12px/1.4 var(--font-body);letter-spacing:.06em;color:var(--muted-dark);margin-top:4px;text-transform:uppercase}

/* steps */
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:20px;counter-reset:st}
.steps li{position:relative;padding:28px;border-radius:var(--r-lg);background:#fff;border:1px solid var(--line);display:flex;flex-direction:column;gap:10px}
.steps li::before{counter-increment:st;content:"0" counter(st);font:700 44px/1 var(--font-display);color:var(--gold)}
.steps p{margin:0;color:var(--muted);font-size:15.5px}
@media (max-width:900px){.steps{grid-template-columns:1fr}}

/* about */
.about__photo{position:relative;border-radius:var(--r-xl);overflow:hidden;background:radial-gradient(500px 400px at 50% 30%,rgba(196,158,78,.25),transparent 70%),var(--black-3);aspect-ratio:4/5;display:flex;align-items:flex-end;justify-content:center}
.about__photo img{width:88%}
.creds{display:flex;flex-direction:column;gap:12px;margin-top:24px}
.cred{display:flex;gap:14px;align-items:flex-start;padding:16px 18px;border:1px solid var(--line-dark);border-radius:var(--r-md);text-decoration:none;color:#fff;transition:border-color .15s}
a.cred:hover{border-color:var(--gold)}
.cred .icon{width:40px;height:40px;flex:none}
.cred b{display:block;font-weight:600} .cred span{display:block;font-size:14px;color:var(--muted-dark)}

/* reviews */
.reviews{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.review{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px;display:flex;flex-direction:column;gap:14px;margin:0}
.review blockquote{margin:0;font-size:15.5px;color:var(--ink-2)}
.review figcaption{margin-top:auto;font-weight:700;font-size:14px;letter-spacing:.06em;text-transform:uppercase}
.review figcaption span{display:block;font-weight:500;letter-spacing:0;text-transform:none;color:var(--muted);font-size:13px;margin-top:2px}
.stars{color:var(--gold);letter-spacing:3px;font-size:15px}
.review-note{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px;margin-top:28px;padding:20px 24px;border-radius:var(--r-lg);background:var(--paper-2)}
.review-note b{font:700 30px/1 var(--font-display)}
@media (max-width:960px){.reviews{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.reviews{grid-template-columns:1fr}}

/* cta */
.cta{background:radial-gradient(800px 400px at 50% 0%,rgba(196,158,78,.22),transparent 70%),var(--black);color:#fff;text-align:center}
.cta .wrap{display:flex;flex-direction:column;align-items:center;gap:22px;max-width:820px}
.cta .row{justify-content:center}

/* prose pages */
.prose{max-width:760px}
.prose h2{font:700 clamp(26px,2.6vw,34px)/1.2 var(--font-display);margin:56px 0 16px}
.prose h2:first-child{margin-top:0}
.prose h3{font:700 21px/1.3 var(--font-display);margin:32px 0 10px}
.prose p,.prose li{color:var(--ink-2)}
.prose ul,.prose ol{padding-left:22px;margin:0 0 1em}
.prose li{margin-bottom:8px}
.prose li::marker{color:var(--gold-dim)}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:var(--s8);align-items:start}
.aside{position:sticky;top:100px;display:flex;flex-direction:column;gap:16px}
.aside__card{background:var(--black);color:#fff;border-radius:var(--r-lg);padding:26px;display:flex;flex-direction:column;gap:14px}
.aside__card p{color:var(--muted-dark);font-size:15px;margin:0}
.aside__card .btn{width:100%}
.toc{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:20px 22px}
.toc b{font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--muted)}
.toc ol{margin:10px 0 0;padding-left:18px;font-size:15px} .toc li{margin:6px 0} .toc a{color:var(--ink-2);text-decoration:none} .toc a:hover{color:var(--gold-dim)}
@media (max-width:1000px){.layout{grid-template-columns:1fr}.aside{position:static}}
.callout{border-left:3px solid var(--gold);background:#fff;padding:20px 24px;border-radius:0 var(--r-md) var(--r-md) 0;margin:24px 0}
.callout p{margin:0}
.callout--warn{border-left-color:var(--warn)}
table.t{width:100%;border-collapse:collapse;font-size:15px;background:#fff;border:1px solid var(--line);border-radius:var(--r-md);overflow:hidden;margin:16px 0 24px}
.t th,.t td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.t thead th{background:var(--black);color:#fff;font-size:12.5px;letter-spacing:.08em;text-transform:uppercase;font-weight:600}
.t tbody th{font-weight:600}
.t tr:last-child td,.t tr:last-child th{border-bottom:0}
.tscroll{overflow-x:auto;-webkit-overflow-scrolling:touch}
.faq details{border-bottom:1px solid var(--line);padding:18px 0}
.faq summary{cursor:pointer;font-weight:600;font-size:17px;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font:400 26px/1 var(--font-body);color:var(--gold-dim);flex:none}
.faq details[open] summary::after{content:"−"}
.faq details > div{padding-top:10px;color:var(--ink-2)}
.fit{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:16px 0 8px}
.fit > div{background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:20px 22px}
.fit b{display:block;margin-bottom:8px}
.fit ul{margin:0;padding-left:18px;font-size:15.5px}
@media (max-width:640px){.fit{grid-template-columns:1fr}}

/* calculator */
.calc{display:grid;grid-template-columns:400px minmax(0,1fr);gap:24px;align-items:start}
.calc__form{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px;display:flex;flex-direction:column;gap:18px}
.field{display:flex;flex-direction:column;gap:6px}
.field label{font-weight:600;font-size:14.5px}
.field small{color:var(--muted);font-size:13px}
.money{position:relative}
.money::before{content:"$";position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:600}
.field input[type=text],.field input[type=number]{width:100%;height:50px;border:1.5px solid var(--line);border-radius:var(--r-sm);padding:0 14px 0 28px;font:600 17px/1 var(--font-body);color:var(--ink);background:var(--paper);font-variant-numeric:tabular-nums}
.field input:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px var(--gold-wash)}
.seg{display:grid;grid-template-columns:1fr 1fr;background:var(--paper-2);border-radius:var(--r-sm);padding:4px;gap:4px}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg label{text-align:center;padding:10px;border-radius:4px;cursor:pointer;font-weight:600;font-size:14.5px;color:var(--ink-2)}
.seg input:checked + label{background:var(--black);color:#fff}
.seg input:focus-visible + label{outline:3px solid var(--gold)}
.range{width:100%;accent-color:var(--gold)}
.calc__out{display:flex;flex-direction:column;gap:20px}
.result{background:var(--black);color:#fff;border-radius:var(--r-lg);padding:28px}
.result__grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line-dark);border-radius:var(--r-md);overflow:hidden;margin-top:18px}
.result__grid > div{background:var(--black-3);padding:18px}
.result__grid dt{font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted-dark)}
.result__grid dd{margin:6px 0 0;font:700 28px/1.1 var(--font-display);font-variant-numeric:tabular-nums}
.result__grid dd small{display:block;font:400 13px/1.4 var(--font-body);color:var(--muted-dark);margin-top:4px}
.flag{display:inline-flex;align-items:center;gap:8px;font-size:13px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:6px 10px;border-radius:999px}
.flag--bad{background:rgba(194,65,45,.18);color:#F08B7A} .flag--ok{background:rgba(62,142,94,.2);color:#8FD3A8}
.compare{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px}
.bars{display:flex;flex-direction:column;gap:14px;margin-top:16px}
.bar{display:grid;grid-template-columns:150px 1fr 110px;gap:12px;align-items:center;font-size:14.5px}
.bar__track{height:14px;background:var(--paper-2);border-radius:999px;overflow:hidden}
.bar__track i{display:block;height:100%;border-radius:999px;background:var(--warn);transition:width .3s}
.bar--b3 .bar__track i{background:var(--gold)}
.bar b{text-align:right;font-variant-numeric:tabular-nums}
.savings{margin-top:18px;padding:16px 18px;border-radius:var(--r-md);background:var(--gold-wash);font-weight:600}
@media (max-width:1000px){.calc{grid-template-columns:1fr}}
@media (max-width:640px){.result__grid{grid-template-columns:1fr}.bar{grid-template-columns:1fr 90px}.bar__track{grid-column:1 / -1;grid-row:2}}

/* footer */
.footer{background:var(--black);color:var(--muted-dark);padding:var(--s8) 0 var(--s6);font-size:14.5px}
.footer__grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px;padding-bottom:var(--s6);border-bottom:1px solid var(--line-dark)}
.footer .footer__h{color:#fff;font:600 13px/1 var(--font-body);letter-spacing:.16em;text-transform:uppercase;margin:0 0 14px}
.footer ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:9px}
.footer a{color:var(--muted-dark);text-decoration:none} .footer a:hover{color:var(--gold)}
.footer .logo img{height:30px;margin-bottom:16px}
.social{display:flex;gap:10px;margin-top:16px;flex-wrap:wrap}
.social a{width:40px;height:40px;border-radius:50%;border:1px solid var(--line-dark);display:grid;place-items:center;color:#fff}
.social a:hover{border-color:var(--gold);color:var(--gold)}
.social svg{width:17px;height:17px}
.legal{padding-top:var(--s5);font-size:12.5px;line-height:1.7;color:#8C867D}
.legal p{margin:0 0 .8em}
@media (max-width:900px){.footer__grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.footer__grid{grid-template-columns:1fr}}

/* mobile bar */
.mbar{display:none}
@media (max-width:760px){
  .mbar{display:grid;grid-template-columns:1fr 1.4fr;gap:8px;position:fixed;left:0;right:0;bottom:0;z-index:60;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(13,13,13,.96);border-top:1px solid var(--line-dark)}
  .mbar .btn{min-height:48px;padding:10px}
  body{padding-bottom:76px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

/* contrast: gold on light backgrounds uses a deeper gold */
.section:not(.dark):not(.dark-2):not(.cta) .eyebrow,.paper-2 .eyebrow,.card .eyebrow{color:#7A5F2B}
.dark .card .eyebrow,.dark-2 .card .eyebrow{color:var(--gold)}
.link{color:#7A5F2B}
.dark .link,.dark-2 .link{color:var(--gold)}
.calc__form .gold{color:#7A5F2B}
.footer .footer__h{margin:0 0 14px}
.aside__card .eyebrow,.result .eyebrow{color:var(--gold)!important}

.grid--strat{grid-template-columns:repeat(4,1fr)}
.grid--strat .card{padding:24px}
.card--dark{background:var(--black);border-color:var(--black);color:#fff}
.card--dark p{color:var(--muted-dark)} .card--dark .icon{color:var(--gold)} .card--dark .link{color:var(--gold)}
@media (max-width:1100px){.grid--strat{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.grid--strat{grid-template-columns:1fr}}

.nav > a,.nav__item > a,.header .btn{white-space:nowrap}
.nav > a,.nav__item > a{padding:10px 11px}