/* ==========================================================================
   Velaz Life Insurance — Design tokens
   ========================================================================== */

:root {
  --orange: #F07020;
  --orange-light: #F5883A;
  --orange-dark: #C45510;
  --black: #16140F;
  --charcoal: #1C1A16;
  --white: #FFFFFF;
  --bg-warm: #FAF7F2;
  --line: #E7E1D8;
  --text: #16140F;
  --text-muted: #5C574C;

  --serif: "Fraunces", Georgia, serif;
  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  --container: 1180px;
  --radius: 14px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--sans);
  color: var(--text);
  background: var(--bg-warm);
  -webkit-font-smoothing: antialiased;
}

img, svg { display: block; max-width: 100%; }

a { color: inherit; text-decoration: none; }

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

h1, h2, h3 {
  font-family: var(--serif);
  font-weight: 500;
  line-height: 1.1;
  margin: 0;
}

em { font-style: italic; }

.eyebrow {
  display: inline-block;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--orange-dark);
  margin-bottom: 12px;
}

.underline-accent {
  position: relative;
  white-space: nowrap;
}
.underline-accent svg {
  position: absolute;
  left: 0;
  bottom: -6px;
  width: 100%;
  height: auto;
}

/* Buttons ------------------------------------------------------------- */

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--sans);
  font-weight: 600;
  font-size: 15px;
  padding: 13px 22px;
  border-radius: 999px;
  border: none;
  cursor: pointer;
  transition: transform 0.15s ease, background 0.15s ease, box-shadow 0.15s ease;
}
.btn-primary {
  background: var(--orange);
  color: var(--black);
}
.btn-primary:hover { background: var(--orange-light); transform: translateY(-1px); }
.btn:disabled { opacity: 0.45; cursor: not-allowed; pointer-events: none; }
.btn-outline {
  background: transparent;
  border: 1.5px solid var(--black);
  color: var(--black);
}
.btn-outline:hover { background: var(--black); color: var(--white); }
.btn-ghost {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,0.35);
}
.btn-ghost:hover { border-color: var(--white); }
.btn-block { width: 100%; justify-content: center; }

/* ==========================================================================
   Header / Nav
   ========================================================================== */

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(250, 247, 242, 0.92);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}

.nav-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}

.logo {
  font-family: var(--serif);
  font-size: 24px;
  font-weight: 600;
  letter-spacing: -0.01em;
}
.logo span { color: var(--orange); font-style: italic; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
  margin: 0;
  padding: 0;
}

.nav-item { position: relative; }

.nav-link {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 10px 16px;
  font-size: 15px;
  font-weight: 500;
  border-radius: 8px;
}
.nav-link:hover { background: rgba(22,20,15,0.05); }
.nav-item:has(.mega-menu) > .nav-link { cursor: default; }
.nav-link .chev { width: 10px; height: 10px; transition: transform 0.2s ease; }
.nav-item:hover .nav-link .chev { transform: rotate(180deg); }

.mega-menu {
  position: absolute;
  top: calc(100% + 10px);
  left: 0;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: 0 20px 40px -10px rgba(22,20,15,0.15);
  padding: 28px;
  display: grid;
  gap: 24px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: opacity 0.18s ease, transform 0.18s ease, visibility 0.18s;
}
.nav-item:hover .mega-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

/* Mega-menu size variants: wide multi-column (Life insurance) vs. simple single-column (Tools, Learn) */
.mega-5col { width: min(860px, calc(100vw - 48px)); grid-template-columns: repeat(5, 1fr); }
.mega-1col { width: 240px; grid-template-columns: 1fr; }

.placeholder-link { color: var(--text-muted) !important; }
.placeholder-link::after {
  content: "Coming soon";
  display: block;
  margin-top: 3px;
  font-size: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--orange-dark);
}

.mega-col h4 {
  font-family: var(--sans);
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--text-muted);
  margin: 0 0 12px;
}
.mega-col ul { list-style: none; margin: 0; padding: 0; }
.mega-col li a {
  display: block;
  padding: 7px 0;
  font-size: 14.5px;
  color: var(--text);
}
.mega-col li a:hover { color: var(--orange-dark); }

.header-actions { display: flex; align-items: center; gap: 18px; }
.header-phone {
  font-size: 14.5px;
  font-weight: 600;
  color: var(--text-muted);
  display: inline-flex;
  align-items: center;
  gap: 4px;
}

.nav-toggle { display: none; }

@media (max-width: 900px) {
  .header-phone { display: none; }
  .nav-toggle { display: flex; background: none; border: none; cursor: pointer; padding: 6px; }

  .nav-links {
    position: fixed;
    top: 76px;
    left: 0;
    right: 0;
    bottom: 0;
    background: var(--bg-warm);
    flex-direction: column;
    align-items: stretch;
    padding: 20px 24px;
    gap: 4px;
    overflow-y: auto;
    transform: translateX(100%);
    transition: transform 0.25s ease;
  }
  .nav-links.is-open { transform: translateX(0); }
  .nav-link { justify-content: space-between; padding: 16px 4px; font-size: 17px; border-bottom: 1px solid var(--line); border-radius: 0; }
  .mega-menu,
  .mega-5col,
  .mega-1col {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    border: none;
    width: auto;
    grid-template-columns: 1fr;
    padding: 0 4px 10px;
    display: none;
  }
  .nav-item.is-expanded .mega-menu { display: grid; }
}

/* ==========================================================================
   Hero
   ========================================================================== */

.hero {
  padding: 72px 0 56px;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 56px;
  align-items: center;
}

.hero h1 {
  font-size: clamp(34px, 4.4vw, 54px);
  margin-bottom: 20px;
}

.hero-sub {
  font-size: 18px;
  line-height: 1.55;
  color: var(--text-muted);
  max-width: 480px;
  margin-bottom: 28px;
}

.hero-disclaimer {
  font-size: 12.5px;
  color: var(--text-muted);
  margin-top: 12px;
}

.hero-media {
  position: relative;
  border-radius: 24px;
  overflow: hidden;
  aspect-ratio: 4/3.2;
  background: linear-gradient(155deg, #EFE6D8, #E3D6C2);
}
.hero-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.hero-media svg.deco {
  position: absolute;
  color: var(--orange);
  opacity: 0.9;
  z-index: 1;
}
/* Honeypot anti-bot field — a real form field invisible to sighted users and
   hidden from screen readers, but visible to bots that auto-fill every input.
   Never use display:none/visibility:hidden here, since some bots skip those. */
.hp-field {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

.img-placeholder-tag {
  /* Dev-only reminder that a stock photo needs swapping — never shown to visitors. */
  display: none;
  position: absolute;
  bottom: 12px;
  left: 12px;
  background: rgba(22,20,15,0.72);
  color: var(--white);
  font-size: 11px;
  font-weight: 600;
  padding: 6px 10px;
  border-radius: 999px;
  backdrop-filter: blur(4px);
}

/* Goal qualifier cards -------------------------------------------------- */

.goal-qualifier {
  margin-top: 40px;
}
.goal-qualifier-label {
  font-size: 14px;
  font-weight: 600;
  color: var(--text-muted);
  margin-bottom: 14px;
}
.goal-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
}
.goal-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 18px 16px;
  text-align: left;
  cursor: pointer;
  transition: border-color 0.15s ease, transform 0.15s ease, box-shadow 0.15s ease;
}
.goal-card:hover {
  border-color: var(--orange);
  transform: translateY(-3px);
  box-shadow: 0 12px 24px -8px rgba(240,112,32,0.25);
}
.goal-card .icon { color: var(--orange); width: 26px; height: 26px; margin-bottom: 10px; }
.goal-card .title { font-weight: 600; font-size: 14.5px; line-height: 1.3; }

@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; }
  .goal-grid { grid-template-columns: repeat(2, 1fr); }
}

/* ==========================================================================
   Trust strip
   ========================================================================== */

.trust-strip {
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  background: var(--white);
}
.trust-strip .container {
  display: flex;
  flex-wrap: wrap;
  gap: 32px;
  justify-content: center;
  padding: 22px 24px;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  font-weight: 500;
  color: var(--text-muted);
}
.trust-item .icon { color: var(--orange); width: 20px; height: 20px; flex-shrink: 0; }

/* ==========================================================================
   Section shell
   ========================================================================== */

section { padding: 88px 0; }
.section-head { text-align: center; max-width: 640px; margin: 0 auto 52px; }
.section-head h2 { font-size: clamp(28px, 3.4vw, 40px); }
.section-head p { color: var(--text-muted); font-size: 17px; margin-top: 14px; line-height: 1.5; }

.section-dark {
  background: var(--charcoal);
  color: var(--white);
}
.section-dark .section-head p { color: rgba(255,255,255,0.7); }
.section-dark h2, .section-dark h3 { color: var(--white); }

/* How it works ----------------------------------------------------------- */

.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.step-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 30px 24px;
}
.step-card .icon-wrap {
  color: var(--orange);
  width: 42px;
  height: 42px;
  margin-bottom: 22px;
}
.step-badge {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--black);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  font-weight: 700;
  margin-bottom: 18px;
}
.step-card h3 { font-size: 20px; margin-bottom: 8px; }
.step-card p { font-size: 14.5px; color: var(--text-muted); line-height: 1.5; margin: 0; }
.steps-cta { text-align: center; margin-top: 40px; }

@media (max-width: 900px) {
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
}

/* Real cost split ---------------------------------------------------------- */

.cost-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}
.cost-compare {
  display: flex;
  gap: 24px;
}
.cost-card {
  flex: 1;
  border-radius: var(--radius);
  padding: 28px 22px;
  text-align: center;
}
.cost-card.perceived {
  background: rgba(255,255,255,0.06);
  border: 1px dashed rgba(255,255,255,0.25);
}
.cost-card.real {
  background: var(--orange);
  color: var(--black);
}
.cost-label { font-size: 13px; text-transform: uppercase; letter-spacing: 0.05em; font-weight: 700; opacity: 0.75; margin-bottom: 10px; }
.cost-figure { font-family: var(--serif); font-size: 40px; font-weight: 600; }
.cost-note { font-size: 12.5px; margin-top: 8px; opacity: 0.8; }
.source-note { font-size: 12px; color: rgba(255,255,255,0.5); margin-top: 18px; }

/* Calculator teaser ---------------------------------------------------------- */

.calc-panel {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 20px;
  padding: 44px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 44px;
  align-items: center;
}
.dime-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 14px; }
.dime-list li {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  font-size: 14.5px;
  color: var(--text-muted);
}
.dime-letter {
  flex-shrink: 0;
  width: 34px;
  height: 34px;
  border-radius: 10px;
  background: rgba(240,112,32,0.12);
  color: var(--orange-dark);
  font-family: var(--serif);
  font-weight: 600;
  display: flex;
  align-items: center;
  justify-content: center;
}
.dime-list strong { color: var(--text); }

@media (max-width: 900px) {
  .cost-grid, .calc-panel { grid-template-columns: 1fr; gap: 28px; }
}

/* Policy types ---------------------------------------------------------- */

.policy-tabs {
  display: grid;
  gap: 16px;
}
.policy-item {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
}
.policy-summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 22px 26px;
  cursor: pointer;
  list-style: none;
}
.policy-summary::-webkit-details-marker { display: none; }
.policy-summary .tag {
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--orange-dark);
  background: rgba(240,112,32,0.1);
  padding: 4px 10px;
  border-radius: 999px;
  margin-right: 14px;
}
.policy-summary h3 { font-size: 18px; display: inline; }
.policy-summary .plus { color: var(--orange); font-size: 22px; transition: transform 0.2s ease; }
.policy-item[open] .plus { transform: rotate(45deg); }
.policy-body { padding: 0 26px 26px; color: var(--text-muted); font-size: 15px; line-height: 1.6; max-width: 640px; }
.policy-body .compliance-note {
  margin-top: 14px;
  font-size: 13px;
  padding: 12px 14px;
  background: var(--bg-warm);
  border-left: 3px solid var(--orange);
  border-radius: 6px;
}

/* Myths grid -------------------------------------------------------------- */

.myths-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}
.myth-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px;
}
.myth-tag {
  display: inline-block;
  font-size: 11.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 3px 9px;
  border-radius: 999px;
  margin-bottom: 12px;
}
.myth-tag.myth { background: rgba(22,20,15,0.06); color: var(--text-muted); }
.myth-tag.reality { background: rgba(240,112,32,0.12); color: var(--orange-dark); }
.myth-card p { margin: 4px 0 0; font-size: 15px; line-height: 1.5; }
.myth-card .myth-text { color: var(--text-muted); text-decoration: line-through; text-decoration-color: rgba(92,87,76,0.4); }

@media (max-width: 900px) { .myths-grid { grid-template-columns: 1fr; } }

/* Blog teaser -------------------------------------------------------------- */

.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.blog-card {
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--line);
  background: var(--white);
}
.blog-thumb {
  aspect-ratio: 16/10;
  background: linear-gradient(135deg, #EFE6D8, #E3D6C2);
  overflow: hidden;
}
.blog-thumb img { width: 100%; height: 100%; object-fit: cover; display: block; }
.blog-body { padding: 20px 22px 24px; }
.blog-cat {
  font-size: 11.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--orange-dark);
  margin-bottom: 10px;
  display: block;
}
.blog-body h3 { font-size: 17px; line-height: 1.3; margin-bottom: 0; }

@media (max-width: 900px) { .blog-grid { grid-template-columns: 1fr; } }

/* Testimonial placeholder -------------------------------------------------- */

.testimonial-placeholder {
  border: 1.5px dashed var(--line);
  border-radius: 20px;
  padding: 56px 40px;
  text-align: center;
  color: var(--text-muted);
  max-width: 640px;
  margin: 0 auto;
}
.testimonial-placeholder .icon { color: var(--orange); width: 32px; height: 32px; margin: 0 auto 16px; }

/* FAQ ---------------------------------------------------------------------- */

.faq-list { max-width: 760px; margin: 0 auto; display: grid; gap: 12px; }
.faq-item {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 4px 22px;
}
.faq-summary {
  padding: 18px 0;
  cursor: pointer;
  font-weight: 600;
  font-size: 15.5px;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.faq-summary::-webkit-details-marker { display: none; }
.faq-summary .plus { color: var(--orange); font-size: 20px; }
.faq-item[open] .plus { transform: rotate(45deg); }
.faq-item p { padding-bottom: 20px; margin: 0; color: var(--text-muted); font-size: 14.5px; line-height: 1.6; }

/* Final CTA ------------------------------------------------------------ */

.final-cta {
  background: var(--orange);
  border-radius: 28px;
  padding: 64px 48px;
  text-align: center;
}
.final-cta h2 { color: var(--black); font-size: clamp(28px, 3.6vw, 40px); }
.final-cta p { color: rgba(22,20,15,0.75); font-size: 17px; margin: 16px 0 28px; }
.final-cta .btn-primary { background: var(--black); color: var(--white); }
.final-cta .btn-primary:hover { background: #2a2620; }

/* ==========================================================================
   Footer
   ========================================================================== */

.site-footer { background: var(--charcoal); color: rgba(255,255,255,0.85); padding-top: 72px; }
.footer-top {
  display: grid;
  grid-template-columns: 1.4fr repeat(4, 1fr);
  gap: 32px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-brand .logo { color: var(--white); }
.footer-brand p { font-size: 14px; color: rgba(255,255,255,0.55); margin-top: 14px; max-width: 260px; line-height: 1.6; }
.footer-col h4 {
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: rgba(255,255,255,0.45);
  margin: 0 0 16px;
}
.footer-col ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.footer-col a { font-size: 14.5px; color: rgba(255,255,255,0.8); }
.footer-col a:hover { color: var(--orange-light); }

.footer-legal {
  padding: 28px 0 40px;
  font-size: 12.5px;
  line-height: 1.7;
  color: rgba(255,255,255,0.45);
}
.footer-legal .placeholder { color: var(--orange-light); }
.footer-legal p { margin: 0 0 12px; }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  padding: 20px 0 28px;
  border-top: 1px solid rgba(255,255,255,0.08);
  font-size: 13px;
  color: rgba(255,255,255,0.45);
}
.footer-bottom-links { display: flex; gap: 18px; flex-wrap: wrap; }
.footer-bottom-links a { color: rgba(255,255,255,0.45); }
.footer-bottom-links a:hover { color: var(--white); }

@media (max-width: 900px) {
  .footer-top { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 560px) {
  .footer-top { grid-template-columns: 1fr; }
}

/* ==========================================================================
   Pillar pages (product pages)
   ========================================================================== */

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13.5px;
  color: var(--text-muted);
  padding: 18px 0 0;
}
.breadcrumb a:hover { color: var(--orange-dark); }
.breadcrumb .sep { opacity: 0.5; }
.breadcrumb .current { color: var(--text); font-weight: 500; }

/* Hero quote-form card --------------------------------------------------- */

.quote-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 20px;
  padding: 32px;
  box-shadow: 0 24px 48px -20px rgba(22,20,15,0.18);
}
.quote-card h3 { font-size: 19px; margin-bottom: 4px; }
.quote-card .quote-card-sub { font-size: 13.5px; color: var(--text-muted); margin-bottom: 20px; }

.form-row { display: grid; gap: 14px; margin-bottom: 14px; }
.form-row.two-col { grid-template-columns: 1fr 1fr; }
.form-field label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 6px;
}
.form-field input,
.form-field select {
  width: 100%;
  padding: 11px 13px;
  border: 1px solid var(--line);
  border-radius: 9px;
  font-family: var(--sans);
  font-size: 14.5px;
  background: var(--bg-warm);
}
.form-field input:focus,
.form-field select:focus {
  outline: none;
  border-color: var(--orange);
  background: var(--white);
}

.form-check {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 12.5px;
  color: var(--text-muted);
  line-height: 1.5;
  margin: 4px 0 18px;
}
.form-check input { margin-top: 3px; }
.form-check a { color: var(--orange-dark); text-decoration: underline; }

.form-note { font-size: 12px; color: var(--text-muted); text-align: center; margin-top: 12px; }

.form-success {
  display: none;
  text-align: center;
  padding: 20px 10px;
}
.form-success.is-visible { display: block; }
.form-success .icon { color: var(--orange); width: 30px; height: 30px; margin: 0 auto 12px; }
.form-success p { font-size: 14px; color: var(--text-muted); line-height: 1.5; }

/* Fact checklist ----------------------------------------------------------- */

.fact-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 16px;
}
.fact-list li {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  font-size: 15px;
  line-height: 1.55;
  color: var(--text-muted);
}
.fact-list .fact-icon {
  flex-shrink: 0;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: rgba(240,112,32,0.12);
  color: var(--orange-dark);
  display: flex;
  align-items: center;
  justify-content: center;
}
.fact-list strong { color: var(--text); }

/* Compare-other-products strip ---------------------------------------------- */

.compare-strip {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
.compare-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px;
}
.compare-card h4 { font-family: var(--serif); font-size: 18px; font-weight: 600; margin-bottom: 8px; }
.compare-card p { font-size: 14px; color: var(--text-muted); line-height: 1.5; margin: 0 0 14px; }
.compare-card a { font-size: 14px; font-weight: 600; color: var(--orange-dark); }
.compare-card a:hover { text-decoration: underline; }

@media (max-width: 900px) {
  .form-row.two-col { grid-template-columns: 1fr; }
  .compare-strip { grid-template-columns: 1fr; }
}

/* ==========================================================================
   Interactive calculator
   ========================================================================== */

.calc-widget {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 20px;
  padding: 12px;
  box-shadow: 0 24px 48px -20px rgba(22,20,15,0.15);
}
.calc-tabs {
  display: flex;
  gap: 6px;
  background: var(--bg-warm);
  border-radius: 14px;
  padding: 6px;
  margin-bottom: 6px;
}
.calc-tab {
  flex: 1;
  border: none;
  background: transparent;
  padding: 12px 14px;
  border-radius: 10px;
  font-family: var(--sans);
  font-weight: 600;
  font-size: 14px;
  color: var(--text-muted);
  cursor: pointer;
  transition: background 0.15s ease, color 0.15s ease;
}
.calc-tab.is-active { background: var(--white); color: var(--text); box-shadow: 0 2px 8px rgba(22,20,15,0.08); }

.calc-panel-body { padding: 28px 26px 26px; display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 36px; }
.calc-tab-content[hidden] { display: none; }

.calc-inputs { display: grid; gap: 16px; }
.calc-inputs .form-field small { display:block; color: var(--text-muted); font-size: 12px; margin-top: 4px; }

.calc-result {
  background: var(--charcoal);
  border-radius: 16px;
  padding: 28px 24px;
  color: var(--white);
  display: flex;
  flex-direction: column;
  justify-content: center;
  text-align: center;
}
.calc-result-label { font-size: 13px; text-transform: uppercase; letter-spacing: 0.05em; color: rgba(255,255,255,0.55); margin-bottom: 10px; }
.calc-result-figure { font-family: var(--serif); font-size: 42px; color: var(--orange-light); font-weight: 600; }
.calc-result-note { font-size: 12.5px; color: rgba(255,255,255,0.5); margin-top: 14px; line-height: 1.5; }
.calc-result .btn { margin-top: 20px; }

.calc-breakdown { list-style: none; margin: 16px 0 0; padding: 0; text-align: left; font-size: 12.5px; color: rgba(255,255,255,0.6); display: grid; gap: 6px; }
.calc-breakdown li { display: flex; justify-content: space-between; }
.calc-breakdown strong { color: rgba(255,255,255,0.9); font-weight: 600; }

@media (max-width: 900px) {
  .calc-panel-body { grid-template-columns: 1fr; }
}

/* Factor list ------------------------------------------------------------- */

.factor-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
.factor-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px;
  display: flex;
  gap: 16px;
}
.factor-card .num { font-family: var(--serif); font-size: 22px; color: var(--orange); flex-shrink: 0; width: 30px; }
.factor-card h4 { font-size: 16px; margin-bottom: 6px; }
.factor-card p { font-size: 14px; color: var(--text-muted); line-height: 1.5; margin: 0; }

@media (max-width: 900px) { .factor-grid { grid-template-columns: 1fr; } }

/* Process detail steps ----------------------------------------------------- */

.process-detail { display: grid; gap: 16px; }
.process-row {
  display: grid;
  grid-template-columns: 60px 1fr auto;
  gap: 22px;
  align-items: flex-start;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 24px;
}
.process-row .num-badge {
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--black); color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--serif); font-size: 16px; font-weight: 600;
}
.process-row h3 { font-size: 18px; margin-bottom: 6px; }
.process-row p { font-size: 14.5px; color: var(--text-muted); line-height: 1.55; margin: 0; }
.process-row .eta {
  font-size: 12px; font-weight: 600; color: var(--orange-dark);
  background: rgba(240,112,32,0.1); padding: 6px 12px; border-radius: 999px;
  white-space: nowrap; align-self: center;
}

@media (max-width: 700px) {
  .process-row { grid-template-columns: 44px 1fr; }
  .process-row .eta { grid-column: 2; justify-self: start; }
}

/* ==========================================================================
   Long-form guide pages (Learn hub)
   ========================================================================== */

.guide-layout {
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 48px;
  align-items: start;
}
.guide-main { min-width: 0; }

.key-takeaways {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 30px 32px;
}
.key-takeaways h2 { font-size: 20px; margin-bottom: 18px; }
.key-takeaways ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 14px; }
.key-takeaways li { display: flex; gap: 12px; align-items: flex-start; font-size: 14.5px; line-height: 1.55; color: var(--text-muted); }
.key-takeaways .check {
  flex-shrink: 0; width: 22px; height: 22px; border-radius: 50%;
  background: rgba(240,112,32,0.12); color: var(--orange-dark);
  display: flex; align-items: center; justify-content: center; margin-top: 1px;
}
.key-takeaways strong { color: var(--text); }

.quick-links-card {
  background: var(--charcoal);
  border-radius: var(--radius);
  overflow: hidden;
  position: sticky;
  top: 96px;
}
.quick-links-card h4 {
  font-family: var(--sans);
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--white);
  background: rgba(255,255,255,0.06);
  margin: 0;
  padding: 16px 20px;
}
.quick-links-card ul { list-style: none; margin: 0; padding: 10px 8px 14px; display: grid; gap: 1px; }
.quick-links-card li a {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  gap: 6px;
  padding: 8px 12px;
  border-radius: 8px;
  font-size: 13.5px;
  color: rgba(255,255,255,0.75);
  line-height: 1.4;
}
.quick-links-card li a span.qlink-text {
  border-bottom: 1px solid transparent;
  padding-bottom: 1px;
  transition: border-color 0.15s ease;
}
.quick-links-card li a .qlink-arrow {
  flex-shrink: 0;
  color: var(--orange-light);
  transition: transform 0.15s ease;
}
.quick-links-card li a:hover { background: rgba(255,255,255,0.08); color: var(--white); }
.quick-links-card li a:hover span.qlink-text { border-color: rgba(255,255,255,0.5); }
.quick-links-card li a:hover .qlink-arrow { transform: translateX(2px); }

@media (max-width: 900px) {
  .guide-layout { grid-template-columns: 1fr; }
  .quick-links-card { position: static; }
}

/* Article body -------------------------------------------------------------- */

.article-body h2 { font-size: clamp(24px, 3vw, 32px); scroll-margin-top: 110px; margin-bottom: 14px; }
.article-body h3 { font-size: 19px; scroll-margin-top: 110px; margin: 32px 0 10px; }
.article-body p { font-size: 15.5px; line-height: 1.7; color: var(--text-muted); margin: 0 0 16px; }
.article-body ul, .article-body ol { color: var(--text-muted); font-size: 15.5px; line-height: 1.7; padding-left: 22px; margin: 0 0 16px; }
.article-body li { margin-bottom: 6px; }
.article-body strong { color: var(--text); }
.article-section { padding: 40px 0; border-top: 1px solid var(--line); }
.article-section:first-of-type { border-top: none; padding-top: 0; }

.glossary-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; margin: 20px 0; }
.glossary-item { background: var(--white); border: 1px solid var(--line); border-radius: 10px; padding: 16px 18px; }
.glossary-item dt { font-weight: 600; font-size: 14.5px; margin-bottom: 4px; }
.glossary-item dd { margin: 0; font-size: 13.5px; color: var(--text-muted); line-height: 1.5; }

@media (max-width: 700px) { .glossary-grid { grid-template-columns: 1fr; } }

.tw-compare { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin: 20px 0; }
.tw-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.tw-card h4 { font-family: var(--serif); font-size: 19px; margin-bottom: 12px; }
.tw-card ul { padding-left: 18px; margin: 0; font-size: 14px; }

@media (max-width: 700px) { .tw-compare { grid-template-columns: 1fr; } }

.inline-note {
  font-size: 13.5px;
  padding: 14px 18px;
  background: var(--bg-warm);
  border-left: 3px solid var(--orange);
  border-radius: 6px;
  color: var(--text-muted);
  margin: 18px 0;
}

.quote-band { max-width: 640px; margin: 0 auto; }

.cookie-banner {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  z-index: 200;
  background: var(--charcoal);
  color: rgba(255,255,255,0.85);
  padding: 16px 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 20px;
  flex-wrap: wrap;
  box-shadow: 0 -8px 24px rgba(0,0,0,0.18);
  transform: translateY(100%);
  transition: transform 0.3s ease;
}
.cookie-banner.is-visible { transform: translateY(0); }
.cookie-banner p { margin: 0; font-size: 13.5px; line-height: 1.5; max-width: 640px; text-align: center; }
.cookie-banner a { color: var(--orange-light); text-decoration: underline; }
.cookie-banner .btn { flex-shrink: 0; padding: 10px 20px; font-size: 13.5px; }

.calc-back-link {
  background: none; border: none; padding: 0; margin-bottom: 10px;
  font-size: 13px; font-weight: 600; color: var(--text-muted); cursor: pointer;
}
.calc-back-link:hover { color: var(--orange-dark); }

.cost-banner-inline { border-radius: 20px; padding: 40px 32px; margin: 24px 0 32px; }
.cost-banner-inline .cost-grid { gap: 32px; }

/* Reveal on scroll ------------------------------------------------------
   Hidden state only applies once JS confirms it can un-hide it (js-ready
   class set on <html> + IntersectionObserver support) — progressive
   enhancement so content is never stuck invisible without JS. */

.js-ready.io-supported .reveal { opacity: 0; transform: translateY(18px); transition: opacity 0.6s ease, transform 0.6s ease; }
.js-ready.io-supported .reveal.is-visible { opacity: 1; transform: translateY(0); }

@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1 !important; transform: none !important; transition: none !important; }
}