/* ======================================================================
   Submit Return® — Design System
   "Quiet Authority": refined, trustworthy, fintech-with-character
   Fraunces (display serif) + DM Sans (body)
   ====================================================================== */

/* ---------- Tokens ---------- */
:root {
  /* Navy scale */
  --navy-deep:   #0a1830;
  --navy:        #102a4c;
  --navy-soft:   #1a3a66;
  --navy-mist:   #2a4a7a;

  /* Gold scale */
  --gold:        #c9a14e;
  --gold-bright: #e0bb6c;
  --gold-pale:   #f5e9c8;
  --gold-faint:  #faf3df;

  /* Neutrals */
  --ink:         #0d1b2a;
  --ink-soft:    #2d3e54;
  --ink-muted:   #5a6b80;
  --line:        #e6e2d6;
  --line-soft:   #f0ece1;
  --paper:       #fafaf7;
  --paper-warm:  #f5f1e6;
  --white:       #ffffff;

  /* Signal */
  --success:     #10845c;
  --success-bg:  #e7f5ee;
  --danger:      #b91c1c;
  --danger-bg:   #fbeaea;
  --info:        #1e4a8a;
  --info-bg:     #e8eef8;

  /* Type */
  --font-display: 'Fraunces', 'Times New Roman', serif;
  --font-body:    'DM Sans', system-ui, -apple-system, sans-serif;

  /* Radii */
  --r-sm: 6px;
  --r-md: 12px;
  --r-lg: 20px;
  --r-xl: 28px;

  /* Motion */
  --ease: cubic-bezier(.22, .61, .36, 1);

  /* Layout */
  --container: 1200px;
  --container-narrow: 880px;
}

/* ---------- Base ---------- */
* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--paper);
  font-feature-settings: 'ss01', 'ss02';
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img, svg { max-width: 100%; height: auto; display: block; }
a { color: var(--navy); text-decoration: none; transition: color .2s var(--ease); }
a:hover { color: var(--gold); }

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

.skip-link {
  position: absolute; top: -40px; left: 8px;
  background: var(--navy); color: white; padding: 8px 16px; border-radius: 4px;
  z-index: 999;
}
.skip-link:focus { top: 8px; color: white; }

/* ---------- Typography ---------- */
h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 500;
  color: var(--navy-deep);
  letter-spacing: -0.02em;
  line-height: 1.15;
  margin: 0 0 0.6em;
}
h1 {
  font-size: clamp(2.4rem, 5vw + 1rem, 4.2rem);
  font-weight: 400;
  font-variation-settings: 'opsz' 144, 'SOFT' 50;
}
h2 {
  font-size: clamp(1.8rem, 3vw + .5rem, 2.8rem);
  font-variation-settings: 'opsz' 96;
}
h3 {
  font-size: clamp(1.3rem, 1.5vw + .5rem, 1.6rem);
  font-variation-settings: 'opsz' 48;
}
h4 {
  font-size: 1.05rem;
  font-family: var(--font-body);
  font-weight: 600;
  letter-spacing: .04em;
  text-transform: uppercase;
  color: var(--ink-soft);
}
p { margin: 0 0 1em; }
.lede {
  font-size: clamp(1.1rem, 1vw + .8rem, 1.35rem);
  line-height: 1.55;
  color: var(--ink-soft);
}
.eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.2rem;
}
.eyebrow::before {
  content: ""; display: inline-block; width: 32px; height: 1px;
  background: var(--gold); vertical-align: middle; margin-right: 12px;
}
em.accent { font-style: italic; color: var(--gold); font-family: var(--font-display); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 28px;
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  letter-spacing: 0.01em;
  border-radius: var(--r-md);
  border: 1px solid transparent;
  cursor: pointer;
  transition: all .25s var(--ease);
  text-decoration: none;
  white-space: nowrap;
}
.btn-sm { padding: 10px 20px; font-size: .9rem; }
.btn-lg { padding: 18px 36px; font-size: 1.08rem; }
.btn-gold {
  background: var(--gold);
  color: var(--navy-deep);
  box-shadow: 0 8px 24px -8px rgba(201, 161, 78, 0.5);
}
.btn-gold:hover { background: var(--gold-bright); color: var(--navy-deep); transform: translateY(-2px); box-shadow: 0 12px 32px -8px rgba(201, 161, 78, 0.6); }
.btn-navy { background: var(--navy); color: white; }
.btn-navy:hover { background: var(--navy-deep); color: white; transform: translateY(-2px); }
.btn-ghost { background: transparent; color: var(--navy); border-color: var(--navy-mist); }
.btn-ghost:hover { background: var(--navy); color: white; border-color: var(--navy); }
.btn-ghost-light { background: transparent; color: white; border-color: rgba(255,255,255,0.35); }
.btn-ghost-light:hover { background: white; color: var(--navy-deep); }
.btn-block { width: 100%; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(250, 250, 247, 0.92);
  backdrop-filter: saturate(180%) blur(14px);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid var(--line);
}
.header-row {
  display: flex; align-items: center; justify-content: space-between;
  padding: 16px 24px;
  gap: 24px;
}
.brand { display: flex; align-items: center; gap: 12px; color: var(--navy-deep); }
.brand:hover { color: var(--navy-deep); }
.brand-mark { color: var(--navy); display: flex; }
.brand-text { display: flex; flex-direction: column; line-height: 1; }
.brand-name {
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 500;
  letter-spacing: -0.02em;
  color: var(--navy-deep);
}
.brand-name sup { font-size: 0.55em; color: var(--gold); vertical-align: super; margin-left: 1px; }
.brand-sub {
  font-size: 0.66rem;
  font-weight: 500;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--gold);
  margin-top: 4px;
}

.primary-nav ul {
  display: flex; align-items: center; gap: 4px;
  list-style: none; margin: 0; padding: 0;
}
.primary-nav a {
  display: block;
  padding: 8px 16px;
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--ink-soft);
  border-radius: var(--r-sm);
  position: relative;
}
.primary-nav a:hover { color: var(--navy-deep); background: var(--line-soft); }
.primary-nav a.is-active {
  color: var(--navy-deep);
}
.primary-nav a.is-active::after {
  content: "";
  position: absolute;
  bottom: -2px; left: 16px; right: 16px;
  height: 2px; background: var(--gold);
}
.nav-cta a { color: white !important; }
.nav-cta a:hover { color: var(--navy-deep) !important; }

.nav-toggle {
  display: none;
  background: transparent; border: 0; padding: 8px; cursor: pointer;
  flex-direction: column; gap: 5px;
}
.nav-toggle span {
  display: block; width: 22px; height: 2px; background: var(--navy-deep);
  transition: transform .25s var(--ease), opacity .25s var(--ease);
}
.nav-toggle.is-open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.is-open span:nth-child(2) { opacity: 0; }
.nav-toggle.is-open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

@media (max-width: 960px) {
  .nav-toggle { display: flex; }
  .primary-nav {
    position: absolute; top: 100%; left: 0; right: 0;
    background: var(--paper);
    border-bottom: 1px solid var(--line);
    max-height: 0; overflow: hidden;
    transition: max-height .35s var(--ease);
  }
  .primary-nav.is-open { max-height: 560px; }
  .primary-nav ul { flex-direction: column; gap: 0; padding: 16px 24px 24px; align-items: stretch; }
  .primary-nav li { width: 100%; }
  .primary-nav a { padding: 14px 16px; }
  .primary-nav a.is-active::after { display: none; }
  .nav-cta { margin-top: 12px; }
  .nav-cta a { text-align: center; }
}

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 60%, var(--navy-soft) 100%);
  color: white;
  position: relative;
  padding: 100px 0 120px;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute; inset: 0;
  background-image:
    radial-gradient(ellipse 800px 400px at 80% -10%, rgba(224, 187, 108, 0.18), transparent 70%),
    radial-gradient(ellipse 600px 400px at 10% 110%, rgba(201, 161, 78, 0.10), transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: "";
  position: absolute; inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='80' height='80' viewBox='0 0 80 80'%3E%3Cpath d='M0 0h80v80H0z' fill='none'/%3E%3Cpath d='M0 40h80M40 0v80' stroke='%23ffffff' stroke-opacity='.025' stroke-width='1'/%3E%3C/svg%3E");
  pointer-events: none;
}
.hero .container { position: relative; z-index: 1; }
.hero-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 80px;
  align-items: center;
}
.hero h1 { color: white; max-width: 14ch; }
.hero h1 em {
  font-style: italic;
  color: var(--gold);
  font-weight: 300;
  font-variation-settings: 'opsz' 144, 'SOFT' 100;
}
.hero .lede { color: rgba(255, 255, 255, 0.78); max-width: 48ch; }
.hero-eyebrow {
  color: var(--gold-bright);
}
.hero-cta { display: flex; gap: 16px; margin-top: 36px; flex-wrap: wrap; }
.hero-trust {
  display: flex; gap: 36px; margin-top: 56px; padding-top: 32px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  flex-wrap: wrap;
}
.hero-trust-item { display: flex; flex-direction: column; gap: 4px; }
.hero-trust-num {
  font-family: var(--font-display);
  font-size: 1.8rem;
  color: var(--gold);
  font-weight: 400;
  line-height: 1;
  font-variation-settings: 'opsz' 96;
}
.hero-trust-label {
  font-size: 0.78rem;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.6);
}

/* Hero card (right side) */
.hero-card {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--r-lg);
  padding: 36px;
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  position: relative;
}
.hero-card-stamp {
  position: absolute; top: -16px; right: 24px;
  background: var(--gold);
  color: var(--navy-deep);
  padding: 6px 16px;
  border-radius: 100px;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
}
.hero-card h3 {
  color: white;
  font-family: var(--font-display);
  font-size: 1.4rem;
  margin-bottom: 8px;
}
.hero-card p { color: rgba(255, 255, 255, 0.7); font-size: .95rem; margin-bottom: 24px; }
.hero-card-rows { display: flex; flex-direction: column; gap: 14px; margin-bottom: 28px; }
.hero-card-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 14px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  color: rgba(255, 255, 255, 0.85);
  font-size: .95rem;
}
.hero-card-row:last-child { border-bottom: 0; padding-bottom: 0; }
.hero-card-row strong { color: var(--gold); font-weight: 500; }

@media (max-width: 960px) {
  .hero { padding: 60px 0 80px; }
  .hero-grid { grid-template-columns: 1fr; gap: 48px; }
  .hero-trust { gap: 24px; }
}

/* ---------- Sections ---------- */
section { padding: 96px 0; }
.section-tight { padding: 64px 0; }
.section-paper { background: var(--paper-warm); }
.section-navy { background: var(--navy-deep); color: white; }
.section-navy h2, .section-navy h3 { color: white; }
.section-navy .eyebrow { color: var(--gold-bright); }
.section-navy p { color: rgba(255, 255, 255, 0.78); }

.section-head {
  max-width: 720px;
  margin: 0 auto 64px;
  text-align: center;
}
.section-head h2 { margin-bottom: 16px; }
.section-head .lede { margin: 0 auto; }
.section-head-left { text-align: left; max-width: 720px; margin: 0 0 64px; }

/* ---------- Cards ---------- */
.card {
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 32px;
  transition: all .3s var(--ease);
}
.card:hover { border-color: var(--gold); transform: translateY(-4px); box-shadow: 0 24px 48px -16px rgba(10, 24, 48, 0.12); }
.card h3 { margin-bottom: 12px; }
.card p { color: var(--ink-muted); }

.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
}

/* ---------- How it works ---------- */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  position: relative;
}
.steps::before {
  content: ""; position: absolute;
  top: 38px; left: 12.5%; right: 12.5%;
  height: 1px;
  background: repeating-linear-gradient(to right, var(--gold) 0, var(--gold) 4px, transparent 4px, transparent 10px);
}
.step {
  text-align: center;
  padding: 0 16px;
  position: relative;
}
.step-num {
  width: 76px; height: 76px;
  margin: 0 auto 24px;
  background: var(--paper);
  border: 1px solid var(--gold);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display);
  font-size: 1.8rem;
  color: var(--gold);
  position: relative;
  z-index: 1;
}
.step-paper { background: var(--paper-warm); }
.step h3 { font-size: 1.15rem; margin-bottom: 8px; }
.step p { font-size: .95rem; color: var(--ink-muted); }

@media (max-width: 800px) {
  .steps { grid-template-columns: 1fr 1fr; gap: 40px 16px; }
  .steps::before { display: none; }
}

/* ---------- Pricing tiles ---------- */
.pricing-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 20px;
}
.price-tile {
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 32px 28px;
  position: relative;
  transition: all .3s var(--ease);
}
.price-tile.is-featured {
  border-color: var(--gold);
  background: linear-gradient(180deg, var(--gold-faint) 0%, white 60%);
}
.price-tile.is-featured::before {
  content: "Most chosen";
  position: absolute; top: -12px; right: 24px;
  background: var(--gold); color: var(--navy-deep);
  padding: 5px 14px;
  border-radius: 100px;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}
.price-tile:hover { border-color: var(--gold); transform: translateY(-3px); }
.price-tile h3 {
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin-bottom: 16px;
}
.price-amount {
  font-family: var(--font-display);
  font-size: 2.8rem;
  font-weight: 400;
  color: var(--navy-deep);
  line-height: 1;
  font-variation-settings: 'opsz' 144;
}
.price-amount .rs { font-size: 1.4rem; color: var(--gold); vertical-align: super; margin-right: 4px; }
.price-amount-tail { font-size: 0.85rem; color: var(--ink-muted); margin-left: 4px; }
.price-features { list-style: none; margin: 24px 0; padding: 0; font-size: 0.93rem; color: var(--ink-soft); }
.price-features li {
  padding: 8px 0 8px 28px;
  position: relative;
  border-bottom: 1px solid var(--line-soft);
}
.price-features li:last-child { border-bottom: 0; }
.price-features li::before {
  content: "✓";
  position: absolute; left: 0; top: 8px;
  color: var(--gold);
  font-weight: 600;
}

/* ---------- FAQ ---------- */
.faq-list { max-width: 860px; margin: 0 auto; }
.faq-item {
  border-bottom: 1px solid var(--line);
  padding: 24px 0;
}
.faq-item summary {
  list-style: none;
  cursor: pointer;
  display: flex; justify-content: space-between; align-items: center;
  gap: 24px;
  font-family: var(--font-display);
  font-size: 1.2rem;
  color: var(--navy-deep);
  padding-right: 8px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  font-size: 1.8rem;
  font-weight: 300;
  color: var(--gold);
  transition: transform .25s var(--ease);
  flex-shrink: 0;
  line-height: 1;
}
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item p {
  margin: 16px 0 0;
  color: var(--ink-soft);
  font-size: 1rem;
}

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy-deep);
  color: rgba(255, 255, 255, 0.75);
  padding: 80px 0 32px;
  position: relative;
}
.site-footer::before {
  content: "";
  position: absolute; top: 0; left: 0; right: 0; height: 1px;
  background: linear-gradient(90deg, transparent 0%, var(--gold) 50%, transparent 100%);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}
.footer-brand p { font-size: 0.95rem; line-height: 1.6; }
.footer-logo { display: flex; align-items: center; gap: 12px; margin-bottom: 20px; color: white; }
.footer-logo .brand-mark { color: white; }
.footer-brand-name {
  font-family: var(--font-display);
  font-size: 1.3rem;
  color: white;
  font-weight: 500;
}
.footer-brand-name sup { color: var(--gold); font-size: .55em; }
.footer-tagline { color: rgba(255, 255, 255, 0.7); }
.footer-legal-line { font-size: 0.82rem; color: rgba(255, 255, 255, 0.55); margin-top: 16px; }
.footer-legal-line strong { color: rgba(255, 255, 255, 0.85); font-weight: 500; }

.footer-col h4 { color: white; font-family: var(--font-body); font-size: 0.85rem; letter-spacing: .12em; text-transform: uppercase; font-weight: 600; margin-bottom: 20px; }
.footer-col ul { list-style: none; padding: 0; margin: 0; }
.footer-col li { margin-bottom: 10px; }
.footer-col a { color: rgba(255, 255, 255, 0.7); font-size: 0.92rem; transition: color .2s var(--ease); }
.footer-col a:hover { color: var(--gold); }

.footer-contact { margin-top: 20px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,0.08); display: flex; flex-direction: column; gap: 8px; }
.footer-wa, .footer-email { color: rgba(255,255,255,0.8) !important; font-size: 0.92rem; display: flex; align-items: center; gap: 8px; }

.footer-bottom { padding-top: 32px; font-size: 0.85rem; color: rgba(255, 255, 255, 0.5); }
.footer-bottom p { margin-bottom: 8px; }
.footer-bottom strong { color: rgba(255, 255, 255, 0.85); font-weight: 500; }
.footer-disclaimer { font-style: italic; font-size: 0.78rem; max-width: 90ch; }

@media (max-width: 800px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  .footer-brand { grid-column: 1 / -1; }
}
@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; }
}

/* Float WA */
.float-wa {
  position: fixed; bottom: 24px; right: 24px;
  width: 56px; height: 56px;
  border-radius: 50%;
  background: #25d366;
  color: white !important;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 8px 24px -4px rgba(37, 211, 102, 0.5);
  z-index: 90;
  transition: transform .25s var(--ease);
}
.float-wa:hover { transform: scale(1.08); color: white; }

/* ============================================================
   CALCULATOR — Quick (Tier 1) and Detailed (Tier 2) shared
   ============================================================ */

.calc-hero {
  background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 100%);
  color: white;
  padding: 80px 0 60px;
  position: relative;
  overflow: hidden;
}
.calc-hero::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(ellipse 600px 300px at 90% 0%, rgba(224, 187, 108, 0.18), transparent 70%);
}
.calc-hero .container { position: relative; }
.calc-hero h1 { color: white; max-width: 22ch; font-size: clamp(2rem, 4vw + .5rem, 3.2rem); margin-bottom: 20px; }
.calc-hero h1 em { color: var(--gold); font-style: italic; font-weight: 300; }
.calc-hero .lede { color: rgba(255,255,255,0.78); max-width: 65ch; }
.calc-hero-badges { display: flex; gap: 8px; flex-wrap: wrap; margin-top: 28px; }
.calc-badge {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 8px 16px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.16);
  border-radius: 100px;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.9);
}
.calc-badge::before { content: "•"; color: var(--gold); }

.calc-section { padding: 64px 0 96px; background: var(--paper); }

.calc-card {
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: 0 24px 60px -24px rgba(10, 24, 48, 0.16);
  padding: 0;
  overflow: hidden;
  max-width: 920px;
  margin: -64px auto 0;
  position: relative;
  z-index: 2;
}
.calc-card-head {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-soft) 100%);
  color: white;
  padding: 28px 40px;
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 16px;
}
.calc-card-head h2 {
  color: white; margin: 0;
  font-size: 1.4rem;
  font-family: var(--font-display);
  font-variation-settings: 'opsz' 48;
}
.calc-card-head .calc-year-badge {
  background: var(--gold); color: var(--navy-deep);
  padding: 6px 16px;
  border-radius: 100px;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
}
.calc-body { padding: 40px; }

/* Calculator form fields */
.field { margin-bottom: 24px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
@media (max-width: 640px) { .field-row { grid-template-columns: 1fr; } }
.field label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--ink-soft);
  margin-bottom: 8px;
  letter-spacing: .02em;
}
.field label .hint { font-weight: 400; color: var(--ink-muted); font-size: 0.8rem; margin-left: 8px; }
.field input[type="text"],
.field input[type="number"],
.field input[type="email"],
.field input[type="tel"],
.field select {
  width: 100%;
  padding: 14px 16px;
  font-family: var(--font-body);
  font-size: 1rem;
  color: var(--ink);
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  transition: border-color .2s var(--ease), background .2s var(--ease);
}
.field input:focus, .field select:focus {
  outline: none;
  border-color: var(--gold);
  background: white;
  box-shadow: 0 0 0 3px rgba(201, 161, 78, 0.15);
}
.field input.is-error { border-color: var(--danger); background: var(--danger-bg); }
.field-prefix { position: relative; }
.field-prefix .prefix {
  position: absolute; left: 16px; top: 50%; transform: translateY(-50%);
  color: var(--ink-muted); font-size: 1rem; pointer-events: none;
}
.field-prefix input { padding-left: 30px; }
.field-error { color: var(--danger); font-size: 0.82rem; margin-top: 6px; display: none; }
.field-error.is-visible { display: block; }

/* Pill toggle (regime selector, age) */
.pill-toggle {
  display: inline-flex;
  background: var(--paper-warm);
  border-radius: var(--r-md);
  padding: 4px;
  gap: 0;
  border: 1px solid var(--line);
}
.pill-toggle input { position: absolute; opacity: 0; pointer-events: none; }
.pill-toggle label {
  padding: 10px 22px;
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--ink-soft);
  cursor: pointer;
  border-radius: var(--r-sm);
  margin: 0;
  transition: all .2s var(--ease);
  display: inline-flex; align-items: center; gap: 6px;
}
.pill-toggle input:checked + label {
  background: var(--navy);
  color: white;
  box-shadow: 0 4px 12px -2px rgba(16, 42, 76, 0.3);
}

/* Result panel */
.calc-result {
  background: linear-gradient(135deg, var(--gold-faint) 0%, white 100%);
  border: 1px solid var(--gold);
  border-radius: var(--r-md);
  padding: 28px 32px;
  margin-top: 32px;
}
.calc-result-row {
  display: flex; justify-content: space-between; align-items: baseline;
  padding: 12px 0;
  border-bottom: 1px solid rgba(201, 161, 78, 0.2);
}
.calc-result-row:last-child { border-bottom: 0; }
.calc-result-row.is-final {
  border-top: 2px solid var(--gold);
  border-bottom: 0;
  margin-top: 8px;
  padding-top: 18px;
}
.calc-result-row .label { color: var(--ink-soft); font-weight: 500; }
.calc-result-row .value {
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-weight: 500;
  color: var(--navy-deep);
  font-variation-settings: 'opsz' 48;
}
.calc-result-row.is-final .value {
  font-size: 2rem;
  color: var(--navy-deep);
  font-variation-settings: 'opsz' 96;
}

.calc-cta-strip {
  margin-top: 32px;
  padding: 24px 28px;
  background: var(--navy-deep);
  border-radius: var(--r-md);
  color: white;
  display: flex; justify-content: space-between; align-items: center; gap: 24px;
  flex-wrap: wrap;
}
.calc-cta-strip p { margin: 0; font-size: 0.98rem; color: rgba(255,255,255,0.85); }
.calc-cta-strip strong { color: var(--gold); font-weight: 600; }

.calc-disclaimer {
  margin-top: 24px;
  font-size: 0.82rem;
  color: var(--ink-muted);
  line-height: 1.6;
  font-style: italic;
}

/* Detailed calculator specific */
.lead-gate {
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 0;
  max-width: 560px;
  margin: -64px auto 0;
  overflow: hidden;
  position: relative;
  z-index: 2;
  box-shadow: 0 24px 60px -24px rgba(10, 24, 48, 0.16);
}
.lead-gate-head {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-soft) 100%);
  color: white;
  padding: 28px 32px;
}
.lead-gate-head .badge {
  display: inline-block;
  background: var(--gold);
  color: var(--navy-deep);
  padding: 4px 12px;
  border-radius: 100px;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  margin-bottom: 12px;
}
.lead-gate-head h2 { color: white; font-size: 1.5rem; margin-bottom: 6px; }
.lead-gate-head p { color: rgba(255,255,255,0.75); margin: 0; font-size: 0.95rem; }
.lead-gate-body { padding: 36px 32px 32px; }
.consent {
  display: flex; gap: 12px;
  font-size: 0.85rem;
  color: var(--ink-muted);
  margin-bottom: 18px;
  line-height: 1.5;
}
.consent input[type="checkbox"] { margin-top: 3px; flex-shrink: 0; accent-color: var(--gold); }
.consent a { color: var(--navy); text-decoration: underline; }
.lead-gate-trust {
  margin-top: 18px;
  display: flex; gap: 6px; align-items: center;
  font-size: 0.78rem; color: var(--ink-muted);
  justify-content: center;
}
.lead-gate-trust svg { color: var(--success); }

/* Detailed wizard */
.wizard-card {
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  margin: -64px auto 0;
  max-width: 1080px;
  position: relative; z-index: 2;
  box-shadow: 0 24px 60px -24px rgba(10, 24, 48, 0.16);
  overflow: hidden;
}
.wizard-tabs {
  display: flex;
  overflow-x: auto;
  background: var(--navy-deep);
  border-bottom: 1px solid var(--navy-soft);
  scrollbar-width: thin;
}
.wizard-tabs button {
  flex: 1;
  min-width: 130px;
  background: transparent;
  border: 0;
  padding: 20px 16px 18px;
  color: rgba(255,255,255,0.55);
  font-family: var(--font-body);
  font-size: 0.9rem;
  font-weight: 500;
  cursor: pointer;
  border-bottom: 3px solid transparent;
  transition: all .25s var(--ease);
  white-space: nowrap;
  display: flex; flex-direction: column; align-items: center; gap: 4px;
}
.wizard-tabs button:hover { color: rgba(255,255,255,0.85); }
.wizard-tabs button.is-active { color: white; border-bottom-color: var(--gold); background: var(--navy); }
.wizard-tabs button .tab-num {
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-variation-settings: 'opsz' 24;
  color: var(--gold);
}
.wizard-body { padding: 40px; }
.wizard-pane { display: none; }
.wizard-pane.is-active { display: block; animation: fadeIn .35s var(--ease); }
@keyframes fadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}
.wizard-pane h3 { font-size: 1.5rem; margin-bottom: 8px; }
.wizard-pane .pane-desc { color: var(--ink-muted); margin-bottom: 32px; max-width: 60ch; }

.wizard-nav {
  display: flex; justify-content: space-between; align-items: center;
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid var(--line);
  gap: 16px;
}
.wizard-nav .btn { min-width: 120px; }

/* Detailed result */
.comparison-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin: 32px 0;
}
@media (max-width: 700px) { .comparison-grid { grid-template-columns: 1fr; } }
.regime-card {
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  padding: 24px;
  background: white;
  position: relative;
  transition: all .25s var(--ease);
}
.regime-card.is-winner {
  border-color: var(--success);
  background: var(--success-bg);
}
.regime-card.is-winner::before {
  content: "✓ Recommended";
  position: absolute; top: -10px; right: 16px;
  background: var(--success); color: white;
  padding: 4px 12px;
  border-radius: 100px;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
}
.regime-card h4 {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 500;
  text-transform: none;
  letter-spacing: 0;
  color: var(--navy-deep);
  margin-bottom: 4px;
  font-variation-settings: 'opsz' 48;
}
.regime-card .regime-sub { font-size: 0.8rem; color: var(--ink-muted); margin-bottom: 16px; }
.regime-card .regime-line {
  display: flex; justify-content: space-between;
  padding: 8px 0;
  font-size: 0.92rem;
  border-bottom: 1px dashed var(--line);
}
.regime-card .regime-line:last-child { border-bottom: 0; }
.regime-card .regime-line.is-bold {
  border-top: 2px solid var(--navy-deep);
  margin-top: 8px;
  padding-top: 12px;
  font-weight: 600;
  font-size: 1.05rem;
}
.regime-card .regime-line span:first-child { color: var(--ink-soft); }
.regime-card .regime-line span:last-child { font-weight: 500; color: var(--navy-deep); font-family: var(--font-body); }

.savings-banner {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-bright) 100%);
  color: var(--navy-deep);
  padding: 28px 32px;
  border-radius: var(--r-md);
  text-align: center;
  margin-bottom: 24px;
}
.savings-banner .small { font-size: 0.92rem; opacity: .85; margin-bottom: 8px; }
.savings-banner .amount {
  font-family: var(--font-display);
  font-size: 2.4rem;
  font-weight: 500;
  font-variation-settings: 'opsz' 96;
}
.savings-banner .tail { font-size: 1rem; margin-top: 4px; opacity: .85; }

/* Inline section divider inside the wizard pane */
.pane-subhead {
  font-family: var(--font-display);
  font-size: 1.1rem;
  color: var(--navy-deep);
  margin: 28px 0 16px;
  padding-bottom: 8px;
  border-bottom: 1px solid var(--line);
  font-variation-settings: 'opsz' 48;
}
.pane-subhead:first-of-type { margin-top: 0; }

/* PDF download box */
.pdf-box {
  background: var(--paper-warm);
  border: 1px dashed var(--gold);
  border-radius: var(--r-md);
  padding: 24px;
  text-align: center;
  margin-top: 24px;
}
.pdf-box p { margin: 8px 0 16px; font-size: 0.95rem; color: var(--ink-soft); }

/* Utility */
.text-center { text-align: center; }
.text-muted { color: var(--ink-muted); }
.hidden { display: none !important; }
.mt-0 { margin-top: 0; }
.mt-1 { margin-top: 12px; }
.mt-2 { margin-top: 24px; }
.mt-3 { margin-top: 36px; }
.mb-0 { margin-bottom: 0; }
.fw-500 { font-weight: 500; }
.text-success { color: var(--success); }
.text-danger { color: var(--danger); }

/* Loading dots */
.dot-loader { display: inline-flex; gap: 4px; }
.dot-loader span {
  width: 6px; height: 6px; border-radius: 50%;
  background: currentColor;
  animation: dot 1.4s infinite ease-in-out both;
}
.dot-loader span:nth-child(1) { animation-delay: -0.32s; }
.dot-loader span:nth-child(2) { animation-delay: -0.16s; }
@keyframes dot {
  0%, 80%, 100% { transform: scale(0); }
  40% { transform: scale(1); }
}

/* Print friendly for PDF generation later */
@media print {
  .site-header, .site-footer, .float-wa, .calc-cta-strip, .wizard-nav, .wizard-tabs { display: none !important; }
  body { background: white; }
}