/* ═══════════════════════════════════════════════════════════════
   Aventur · US Expat Financial Library · shared stylesheet
   Direction: design-qa/DIRECTION.md. Tokens first, base, shared
   components, then page sections (INDEX / LIBRARY / CALCULATOR).
   ═══════════════════════════════════════════════════════════════ */

/* ── TOKENS ─────────────────────────────────────────────────── */
:root{
  --paper:#FCFBF8;
  --paper-2:#F4F3EC;
  --ink:#1B2B26;
  --ink-2:#42544D;
  --ink-3:#5D6D66;
  --teal:#215249;
  --teal-soft:#2E6055;
  --teal-deep:#122823;
  --accent:#6F9024;
  --accent-deep:#587902;
  --warn:#C45D4D;
  --warn-deep:#A34534;
  --hair:rgba(27,43,38,.16);
  --hair-soft:rgba(27,43,38,.08);
  --hair-inv:rgba(252,251,248,.16);
  --serif:'Newsreader',Georgia,'Times New Roman',serif;
  --sans:'Inter',-apple-system,BlinkMacSystemFont,'Helvetica Neue',Arial,sans-serif;
  --shadow:0 14px 44px rgba(18,40,35,.13),0 2px 8px rgba(18,40,35,.06);
  --r-card:2px;
  --r-ctl:4px;
  --r-raise:8px;
  --measure:68ch;
}

/* ── BASE ───────────────────────────────────────────────────── */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{font-size:16px;scroll-behavior:smooth;-webkit-font-smoothing:antialiased}
body{font-family:var(--sans);font-size:15px;line-height:1.6;color:var(--ink);background:var(--paper)}
img{max-width:100%;display:block}
a{color:var(--teal);text-decoration:none}
::selection{background:#D9E4D0;color:var(--ink)}
:focus-visible{outline:2px solid var(--teal);outline-offset:2px;border-radius:2px}
button{font-family:var(--sans)}

@media (prefers-reduced-motion: reduce){
  *,*::before,*::after{transition:none !important;animation:none !important;scroll-behavior:auto !important}
}

/* ── TYPE ROLES ─────────────────────────────────────────────── */
.display{font-family:var(--serif);font-weight:500;font-size:clamp(2.1rem,4.6vw,3.4rem);line-height:1.06;letter-spacing:-.01em;color:var(--teal)}
.display em{font-style:italic;font-weight:400}
.kicker{font:600 11px/1.4 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--ink-3)}
.kicker-accent{color:var(--accent-deep)}

/* ── UTILITY BAR ────────────────────────────────────────────── */
.util-bar{background:var(--teal-deep);color:rgba(252,251,248,.55);text-align:center;padding:7px 24px;font-size:10.5px;letter-spacing:.05em}

/* ── NAV ────────────────────────────────────────────────────── */
.nav{background:var(--paper);border-bottom:1px solid var(--hair);padding:0 32px;position:sticky;top:0;z-index:200;transition:box-shadow .25s}
.nav.scrolled{box-shadow:0 1px 0 var(--hair),0 6px 24px rgba(18,40,35,.06)}
.nav-inner{max-width:1140px;margin:0 auto;display:flex;justify-content:space-between;align-items:center;height:60px}
.nav-logo{display:flex;align-items:center;gap:10px}
.nav-logo-img{height:32px;width:auto;display:block}
.nav-actions{display:flex;align-items:center;gap:18px}
.nav-link{font-size:13px;font-weight:600;color:var(--teal);background:none;border:none;cursor:pointer;padding:6px 2px;border-bottom:1px solid transparent;transition:border-color .15s}
.nav-link:hover{border-bottom-color:var(--teal)}
.nav-cta{padding:9px 18px;background:var(--teal);color:var(--paper);border-radius:var(--r-ctl);font-size:13px;font-weight:600;border:none;cursor:pointer;transition:background .15s}
.nav-cta:hover{background:var(--teal-soft)}

/* ── BUTTONS ────────────────────────────────────────────────── */
.btn{display:inline-block;padding:13px 24px;background:var(--teal);color:var(--paper);border:1px solid var(--teal);border-radius:var(--r-ctl);font:600 14px/1.2 var(--sans);cursor:pointer;transition:background .15s,border-color .15s;text-align:center}
.btn:hover{background:var(--teal-soft);border-color:var(--teal-soft)}
.btn-on-dark{background:transparent;border:1px solid rgba(252,251,248,.5);color:var(--paper)}
.btn-on-dark:hover{background:var(--paper);border-color:var(--paper);color:var(--teal)}
.btn-quiet{display:inline-block;background:none;border:none;padding:6px 2px;font:600 13.5px/1.2 var(--sans);color:var(--teal);cursor:pointer;text-decoration:underline;text-underline-offset:4px;text-decoration-thickness:1px;text-decoration-color:var(--hair)}
.btn-quiet:hover{text-decoration-color:var(--teal)}

/* ── SECTION HEADER DEVICE ──────────────────────────────────── */
.sec-head{border-top:1px solid var(--hair);padding-top:18px;margin-bottom:40px}
.sec-head .kicker{display:block;margin-bottom:14px}
.sec-title{font-family:var(--serif);font-weight:500;font-size:clamp(1.55rem,2.6vw,2rem);line-height:1.15;letter-spacing:-.005em;color:var(--teal);max-width:30ch}
.sec-title em{font-style:italic;font-weight:400}
.sec-sub{font-family:var(--serif);font-size:16.5px;line-height:1.6;color:var(--ink-2);margin-top:12px;max-width:58ch}

/* ── FORMS ──────────────────────────────────────────────────── */
.form-input{width:100%;padding:12px 14px;border:1px solid var(--hair);border-radius:var(--r-ctl);font:400 14px/1.4 var(--sans);background:#fff;color:var(--ink);outline:none;transition:border-color .15s,box-shadow .15s;margin-bottom:10px}
.form-input::placeholder{color:var(--ink-3)}
.form-input:focus{border-color:var(--teal);box-shadow:0 0 0 3px rgba(33,82,73,.10)}
.form-input.input-error{border-color:var(--warn);animation:shake .35s ease}
@keyframes shake{0%,100%{transform:translateX(0)}25%{transform:translateX(-4px)}75%{transform:translateX(4px)}}
.form-btn{width:100%;padding:14px;background:var(--teal);color:var(--paper);border:none;border-radius:var(--r-ctl);font:600 14px/1.2 var(--sans);cursor:pointer;transition:background .15s}
.form-btn:hover{background:var(--teal-soft)}
.form-privacy{font-size:11.5px;color:var(--ink-3);text-align:center;margin-top:10px;line-height:1.5}
.form-switch{font-size:12.5px;color:var(--teal);text-align:center;margin-top:14px;cursor:pointer;font-weight:600;background:none;border:none;width:100%;text-decoration:underline;text-underline-offset:3px;text-decoration-color:var(--hair)}
.form-switch:hover{text-decoration-color:var(--teal)}
.form-error-msg{display:none;font-size:12.5px;color:var(--warn-deep);text-align:center;margin-top:8px;line-height:1.5}
.form-error-msg.visible{display:block}
.consent-block{border:1px solid var(--hair);border-radius:var(--r-ctl);padding:12px 14px;margin-bottom:12px;transition:border-color .2s}
.consent-block.consent-error{border-color:var(--warn);animation:shake .35s ease}
.consent-title{font-size:12.5px;color:var(--ink-2);line-height:1.55;margin-bottom:8px}
.consent-title .req{color:var(--warn-deep);margin-left:2px}
.consent-options{display:flex;flex-direction:column;gap:2px}
.consent-option{display:flex;align-items:center;gap:9px;cursor:pointer;font-size:13px;color:var(--ink-2);padding:5px 4px;border-radius:var(--r-ctl);transition:background .15s}
.consent-option:hover{background:var(--paper-2)}
.consent-option input{accent-color:var(--teal);margin:0;width:14px;height:14px;flex-shrink:0}

/* ── LEDGER TABLES (keyfacts) ───────────────────────────────── */
.keyfacts{background:var(--paper-2);border-radius:var(--r-card);padding:18px 20px 8px;margin:20px 0;max-width:var(--measure)}
.keyfacts-title{font:600 10.5px/1 var(--sans);text-transform:uppercase;letter-spacing:.13em;color:var(--ink-3);margin-bottom:8px}
.keyfacts table{width:100%;border-collapse:collapse}
.keyfacts td{font:400 13.5px/1.5 var(--sans);color:var(--ink-2);padding:9px 4px;border-top:1px solid var(--hair-soft);vertical-align:top}
.keyfacts tr:first-child td{border-top:none}
.keyfacts td:first-child{color:var(--ink-3);width:52%;padding-right:16px}
.keyfacts td:last-child{font-weight:600;color:var(--teal);font-variant-numeric:tabular-nums}

/* ── COMPARISON TABLE (UK vs US ledger) ─────────────────────── */
.cmp-wrap{overflow-x:auto;margin:20px 0;max-width:var(--measure)}
.cmp{width:100%;border-collapse:collapse;min-width:540px}
.cmp th{font:600 11px/1.4 var(--sans);text-transform:uppercase;letter-spacing:.12em;color:var(--teal);background:none;padding:0 14px 10px;text-align:left;border-bottom:2px solid var(--teal)}
.cmp th:first-child{padding-left:4px}
.cmp td{font:400 13.5px/1.55 var(--sans);color:var(--ink-2);padding:12px 14px;border-bottom:1px solid var(--hair-soft);vertical-align:top}
.cmp td:first-child{color:var(--ink-3);font-weight:600;width:24%;padding-left:4px}
.cmp tr:last-child td{border-bottom:1px solid var(--hair)}

/* ── FOOTER ─────────────────────────────────────────────────── */
.footer{background:var(--teal-deep);padding:56px 32px 32px}
.footer-inner{max-width:1140px;margin:0 auto}
.footer-top{display:grid;grid-template-columns:2fr 1fr;gap:40px;margin-bottom:44px}
.footer-brand-name{font-family:var(--serif);font-weight:500;font-size:17px;color:var(--paper);margin-bottom:8px}
.footer-brand-desc{font-size:13px;color:rgba(252,251,248,.55);line-height:1.65;margin-bottom:16px;max-width:440px}
.footer-contact-line{font-size:13px;color:rgba(252,251,248,.55);line-height:1.9}
.footer-contact-line a{color:rgba(252,251,248,.55);transition:color .15s}
.footer-contact-line a:hover{color:var(--paper)}
.footer-cue{color:rgba(252,251,248,.75);font-weight:600;margin-bottom:10px;font-size:13px}
.footer-legal{border-top:1px solid var(--hair-inv);padding-top:24px}
.footer-legal p{font-size:11px;color:rgba(252,251,248,.5);margin-bottom:10px;line-height:1.7}
.footer-legal p:last-child{margin-bottom:0}

/* ── DARK CTA BAND ──────────────────────────────────────────── */
.band{background:var(--teal-deep);padding:80px 32px;border-bottom:1px solid var(--hair-inv)}
.band-inner{max-width:1140px;margin:0 auto;display:grid;grid-template-columns:1.4fr 1fr;gap:48px;align-items:center}
.band .kicker{color:rgba(252,251,248,.5);display:block;margin-bottom:14px}
.band h2{font-family:var(--serif);font-weight:500;font-size:clamp(1.6rem,3vw,2.2rem);line-height:1.12;color:var(--paper);max-width:20ch}
.band h2 em{font-style:italic;font-weight:400}
.band-sub{font-size:14.5px;color:rgba(252,251,248,.6);line-height:1.65;margin-top:12px;max-width:44ch}
.band-action{justify-self:end}
@media(max-width:768px){.band-inner{grid-template-columns:1fr}.band-action{justify-self:start}}

/* ═════════════════════ INDEX PAGE ═══════════════════════════ */
.hero{background:var(--paper);padding:64px 32px 56px;border-bottom:1px solid var(--hair)}
.hero-inner{max-width:1140px;margin:0 auto;display:grid;grid-template-columns:1.1fr 420px;gap:72px;align-items:center}
.hero-kicker{display:flex;align-items:baseline;gap:12px;margin-bottom:28px}
.hero-kicker::after{content:'';flex:1;border-top:1px solid var(--hair);align-self:center}
.hero h1{font-family:var(--serif);font-weight:500;font-size:clamp(2.3rem,4.8vw,3.6rem);line-height:1.05;letter-spacing:-.012em;color:var(--teal);margin-bottom:22px;max-width:14ch}
.hero h1 em{font-style:italic;font-weight:400}
.hero-sub{font-family:var(--serif);font-size:17.5px;color:var(--ink-2);line-height:1.65;margin-bottom:36px;max-width:52ch}
.hero-advisers{border-top:1px solid var(--hair);border-bottom:1px solid var(--hair);margin-bottom:24px}
.hero-adviser{display:flex;align-items:center;gap:14px;padding:14px 2px}
.hero-adviser + .hero-adviser{border-top:1px solid var(--hair-soft)}
.hero-adviser-photo{width:44px;height:44px;border-radius:50%;overflow:hidden;flex-shrink:0;background:var(--paper-2);display:flex;align-items:center;justify-content:center;font:600 15px/1 var(--sans);color:var(--teal)}
.hero-adviser-photo img{width:100%;height:100%;object-fit:cover}
.hero-adviser-text{font-size:12.5px;color:var(--ink-3);line-height:1.5}
.hero-adviser-text strong{color:var(--ink);font-weight:600;display:block;font-size:13.5px;margin-bottom:1px}
.hero-proof{display:flex;gap:8px 24px;flex-wrap:wrap}
.hero-proof-item{display:flex;align-items:center;gap:7px;font:600 11px/1.4 var(--sans);letter-spacing:.1em;text-transform:uppercase;color:var(--ink-3)}
.hero-proof-item svg{flex-shrink:0}

/* Gate card: the one raised element */
.hero-card{background:#fff;border:1px solid var(--hair);border-radius:var(--r-raise);padding:32px 30px;box-shadow:var(--shadow)}
.hero-card-label{font:600 11px/1 var(--sans);text-transform:uppercase;letter-spacing:.13em;color:var(--accent-deep);margin-bottom:10px}
.hero-card h2{font-family:var(--serif);font-weight:500;font-size:1.45rem;color:var(--teal);margin-bottom:8px;line-height:1.2}
.hero-card-sub{font-size:13px;color:var(--ink-3);margin-bottom:18px;line-height:1.55}
.hero-card-what{border-top:1px solid var(--hair);margin-bottom:20px}
.hero-card-what-title{font:600 10.5px/1 var(--sans);text-transform:uppercase;letter-spacing:.13em;color:var(--ink-3);padding:12px 0 4px}
.hero-card-item{display:flex;align-items:flex-start;gap:10px;padding:8px 0;font-size:13px;color:var(--ink-2);line-height:1.45;border-bottom:1px solid var(--hair-soft)}
.hero-card-item:last-child{border-bottom:none}
.hero-card-check{flex-shrink:0;margin-top:4px;color:var(--teal)}
.form-sent{display:none}
.form-sent.visible{display:block}
.form-sent-head{text-align:center;margin-bottom:18px}
.form-sent-icon{width:44px;height:44px;border-radius:50%;border:1px solid var(--hair);color:var(--teal);margin:0 auto 12px;display:flex;align-items:center;justify-content:center}
.form-sent h4{font-family:var(--serif);font-size:19px;font-weight:500;color:var(--teal);margin-bottom:6px}
.form-sent p{font-size:13px;color:var(--ink-3);line-height:1.6}
.form-sorry{display:none;text-align:center;padding:16px 4px}
.form-sorry.visible{display:block}
.form-sorry-icon{width:44px;height:44px;border-radius:50%;border:1px solid var(--hair);color:var(--teal);margin:0 auto 12px;display:flex;align-items:center;justify-content:center}
.form-sorry h4{font-family:var(--serif);font-size:19px;font-weight:500;color:var(--teal);margin-bottom:6px}
.form-sorry p{font-size:13px;color:var(--ink-3);line-height:1.6;margin:0 auto 16px;max-width:280px}
.form-btn-back{padding:10px 20px;background:transparent;color:var(--teal);border:1px solid var(--teal);border-radius:var(--r-ctl);font:600 13px/1.2 var(--sans);cursor:pointer;transition:background .15s,color .15s}
.form-btn-back:hover{background:var(--teal);color:var(--paper)}

/* Fact line (replaces stat strip) */
.facts{padding:0 32px}
.facts-inner{max-width:1140px;margin:0 auto;display:flex;gap:0;border-bottom:1px solid var(--hair)}
.fact{flex:1;padding:22px 24px 22px 0;display:flex;align-items:baseline;gap:10px}
.fact + .fact{border-left:1px solid var(--hair);padding-left:24px}
.fact-num{font-family:var(--serif);font-weight:500;font-size:1.7rem;color:var(--teal);font-variant-numeric:tabular-nums;line-height:1}
.fact-label{font-size:12px;color:var(--ink-3);line-height:1.35}

/* Contents block (pillar preview) */
.section{padding:88px 32px}
.section-inner{max-width:1140px;margin:0 auto}
.contents-list{border-bottom:1px solid var(--hair)}
.contents-row{display:grid;grid-template-columns:88px 1fr 1.4fr;gap:32px;padding:32px 0;border-top:1px solid var(--hair)}
.contents-num{font-family:var(--serif);font-weight:400;font-style:italic;font-size:1.5rem;color:var(--ink-3);line-height:1.1}
.contents-title{font-family:var(--serif);font-weight:500;font-size:1.35rem;color:var(--teal);line-height:1.2}
.contents-topics{list-style:none}
.contents-topics li{font-size:13.5px;color:var(--ink-2);line-height:1.5;padding:7px 0;border-bottom:1px solid var(--hair-soft);display:flex;gap:12px;align-items:baseline}
.contents-topics li:last-child{border-bottom:none}
.contents-topics li::before{content:'';width:14px;border-top:1px solid var(--hair);flex-shrink:0;align-self:center}

/* Steps (how it works): a real sequence */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:48px;margin-top:8px}
.step{position:relative;padding-top:16px;border-top:1px solid var(--hair)}
.step-num{font-family:var(--serif);font-style:italic;font-size:1.15rem;color:var(--accent-deep);margin-bottom:10px}
.step h3{font-family:var(--serif);font-weight:500;font-size:17px;color:var(--teal);margin-bottom:8px}
.step p{font-size:13.5px;color:var(--ink-2);line-height:1.65}

/* ═════════════════════ LIBRARY PAGE ═════════════════════════ */
.masthead{background:var(--paper);padding:56px 32px 40px;border-bottom:1px solid var(--hair)}
.masthead-inner{max-width:1240px;margin:0 auto}
.masthead .kicker{display:block;margin-bottom:18px}
.masthead h1{font-family:var(--serif);font-weight:500;font-size:clamp(1.8rem,3.4vw,2.6rem);line-height:1.08;letter-spacing:-.008em;color:var(--teal);margin-bottom:14px;max-width:22ch}
.masthead h1 em{font-style:italic;font-weight:400}
.masthead-sub{font-family:var(--serif);font-size:16px;color:var(--ink-2);line-height:1.65;max-width:58ch}
.masthead-meta{margin-top:18px;font-size:11.5px;color:var(--ink-3);max-width:72ch;line-height:1.6}

.nav-progress{font-size:12px;color:var(--ink-3);display:flex;align-items:center;gap:8px;font-variant-numeric:tabular-nums}
.nav-progress-bar{width:80px;height:3px;border-radius:2px;background:var(--paper-2);overflow:hidden;border:1px solid var(--hair-soft)}
.nav-progress-fill{height:100%;background:var(--accent);width:0%;transition:width .4s ease}
.nav-signout{font-size:12px;color:var(--ink-3);background:none;border:none;cursor:pointer;text-decoration:underline;text-underline-offset:3px;text-decoration-color:var(--hair)}
.nav-signout:hover{color:var(--teal);text-decoration-color:var(--teal)}

.lib-layout{max-width:1240px;margin:0 auto;display:grid;grid-template-columns:264px 1fr;gap:56px;padding:48px 32px 96px;align-items:start}
.lib-side{position:sticky;top:84px;max-height:calc(100vh - 108px);overflow-y:auto;padding-right:4px}
.lib-search{width:100%;padding:10px 12px;border:1px solid var(--hair);border-radius:var(--r-ctl);font:400 13px/1.4 var(--sans);background:#fff;color:var(--ink);outline:none;transition:border-color .15s,box-shadow .15s;margin-bottom:22px}
.lib-search::placeholder{color:var(--ink-3)}
.lib-search:focus{border-color:var(--teal);box-shadow:0 0 0 3px rgba(33,82,73,.10)}
.side-pillar{margin-bottom:20px}
.side-pillar-title{font:600 10.5px/1 var(--sans);letter-spacing:.13em;text-transform:uppercase;color:var(--ink);padding:0 0 8px;display:flex;justify-content:space-between;align-items:baseline;border-bottom:1px solid var(--hair)}
.side-pillar-count{font:400 10.5px/1 var(--sans);letter-spacing:.02em;text-transform:none;color:var(--ink-3)}
.side-links{list-style:none;padding-top:4px}
.side-links a{display:flex;align-items:center;gap:9px;font-size:13px;color:var(--ink-2);padding:7px 6px;border-radius:var(--r-ctl);transition:background .15s,color .15s;line-height:1.35}
.side-links a:hover{background:var(--paper-2);color:var(--teal)}
.side-links a.active{color:var(--teal);font-weight:600;background:var(--paper-2)}
.side-dot{width:6px;height:6px;border-radius:50%;border:1px solid var(--ink-3);flex-shrink:0;transition:background .2s,border-color .2s}
.side-links a.is-read .side-dot{background:var(--accent);border-color:var(--accent)}
.side-extra{border-top:1px solid var(--hair);margin-top:8px;padding-top:14px}
.side-extra a{display:block;font-size:13px;color:var(--teal);font-weight:600;padding:6px;border-radius:var(--r-ctl)}
.side-extra a:hover{background:var(--paper-2)}

.lib-main{min-width:0}
.pillar-block{margin-bottom:72px}
.pillar-head{margin-bottom:8px;border-top:1px solid var(--hair);padding-top:20px}
.pillar-eyebrow{display:block;font:600 11px/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--accent-deep);margin-bottom:12px}
.pillar-head h2{font-family:var(--serif);font-weight:500;font-size:clamp(1.5rem,2.5vw,1.95rem);color:var(--teal);letter-spacing:-.005em;line-height:1.15;margin-bottom:12px}
.pillar-head p{font-family:var(--serif);font-size:15.5px;color:var(--ink-2);line-height:1.7;max-width:var(--measure);margin-bottom:20px}

/* Topic entries: contents-page treatment */
.topic{border-top:1px solid var(--hair);scroll-margin-top:92px;background:none;transition:background .2s}
.topic:last-child{border-bottom:1px solid var(--hair)}
.topic-head{display:flex;align-items:baseline;gap:20px;padding:20px 8px;cursor:pointer;user-select:none;width:100%;background:none;border:none;text-align:left;transition:background .15s}
.topic-head:hover{background:var(--paper-2)}
.topic-num{font-family:var(--serif);font-weight:400;font-style:italic;font-size:1.15rem;color:var(--ink-3);flex-shrink:0;min-width:44px;font-variant-numeric:tabular-nums}
.topic-head-text{flex:1;min-width:0}
.topic-head h3{font-family:var(--serif);font-weight:600;font-size:17.5px;color:var(--teal);line-height:1.3;margin-bottom:3px}
.topic-teaser{font-family:var(--serif);font-style:italic;font-size:14px;color:var(--ink-3);line-height:1.5}
.topic-chev{flex-shrink:0;align-self:center;transition:transform .24s ease;color:var(--ink-3)}
.topic.open .topic-chev{transform:rotate(180deg)}
.topic-body-clip{display:grid;grid-template-rows:0fr;transition:grid-template-rows .28s ease}
.topic.open .topic-body-clip{grid-template-rows:1fr}
.topic-body{overflow:hidden;min-height:0;padding:0 8px 0 72px}
.topic.open .topic-body{padding-bottom:28px}
.topic-body p{font-family:var(--serif);font-size:16px;color:var(--ink);line-height:1.7;margin-bottom:14px;max-width:var(--measure)}
.topic-body p:last-child{margin-bottom:0}
.topic-body ul,.topic-body ol{margin:0 0 14px 20px;max-width:var(--measure)}
.topic-body li{font-family:var(--serif);font-size:16px;color:var(--ink);line-height:1.7;margin-bottom:7px}
.topic-body li strong{font-weight:600}
.topic-body h4{font:600 11.5px/1.4 var(--sans);color:var(--ink-3);text-transform:uppercase;letter-spacing:.12em;margin:24px 0 10px}
.topic-note{border-left:2px solid var(--teal);background:var(--paper-2);border-radius:0 var(--r-card) var(--r-card) 0;padding:14px 18px;margin:18px 0;max-width:var(--measure)}
.topic-note p{font-size:14.5px;color:var(--ink-2);margin-bottom:0}
.topic-warn{border-left:2px solid var(--warn);background:rgba(196,93,77,.06);border-radius:0 var(--r-card) var(--r-card) 0;padding:14px 18px;margin:18px 0;max-width:var(--measure)}
.topic-warn p{font-size:14.5px;color:var(--ink-2);margin-bottom:0}
.topic-actions{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-top:24px;padding-top:14px;border-top:1px solid var(--hair-soft);flex-wrap:wrap;max-width:var(--measure)}
.mark-read{display:inline-flex;align-items:center;gap:8px;padding:8px 14px;background:none;border:1px solid var(--hair);border-radius:var(--r-ctl);color:var(--ink-2);font:600 12px/1.2 var(--sans);cursor:pointer;transition:border-color .15s,color .15s,background .15s}
.mark-read:hover{border-color:var(--teal);color:var(--teal)}
.mark-read.done{background:none;border-color:var(--accent);color:var(--accent-deep)}
.topic-ask{font-size:12px;color:var(--ink-3)}
.topic-ask a{color:var(--teal);font-weight:600;text-decoration:underline;text-underline-offset:3px;text-decoration-color:var(--hair)}
.topic-ask a:hover{text-decoration-color:var(--teal)}
.topic-reviewed{flex-basis:100%;text-align:right;font-size:11px;color:var(--ink-3);font-variant-numeric:tabular-nums}
.no-results{display:none;border:1px solid var(--hair);border-radius:var(--r-card);padding:32px;text-align:center;font-size:14px;color:var(--ink-3)}
.no-results.visible{display:block}

/* Tool card: quiet dark interlude */
.tool-card{background:var(--teal-deep);border-radius:var(--r-card);padding:26px 28px;margin:24px 0;color:var(--paper);display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.tool-card h3{font-family:var(--serif);font-weight:500;font-size:18px;margin-bottom:6px}
.tool-card p{font-size:13px;color:rgba(252,251,248,.65);line-height:1.6;max-width:480px}
.tool-card .btn{flex-shrink:0}
.tool-card-light{background:none;border:1px solid var(--hair);color:var(--ink)}
.tool-card-light h3{color:var(--teal)}
.tool-card-light p{color:var(--ink-2)}

/* ═════════════════════ CALCULATOR PAGE ══════════════════════ */
.page-hero{background:var(--paper);padding:56px 32px 48px;border-bottom:1px solid var(--hair)}
.page-hero-inner{max-width:1140px;margin:0 auto}
.page-hero .kicker{display:block;margin-bottom:18px}
.page-hero h1{font-family:var(--serif);font-weight:500;font-size:clamp(1.8rem,3.4vw,2.6rem);line-height:1.08;letter-spacing:-.008em;color:var(--teal);margin-bottom:14px;max-width:24ch}
.page-hero h1 em{font-style:italic;font-weight:400}
.page-hero-sub{font-family:var(--serif);font-size:16px;color:var(--ink-2);line-height:1.65;max-width:56ch}

.calc-section{padding:48px 32px 0}
.calc-wrap{max-width:1140px;margin:0 auto}
.calc-grid{display:grid;grid-template-columns:360px 1fr;gap:24px;align-items:start}
.calc-panel{background:#fff;border-radius:var(--r-card);padding:26px;border:1px solid var(--hair)}
.calc-label{font:600 10.5px/1.4 var(--sans);letter-spacing:.13em;text-transform:uppercase;color:var(--ink-3);margin-bottom:20px}
.selector-group{margin-bottom:24px}
.selector-label{font-size:13px;font-weight:500;color:var(--ink-2);margin-bottom:10px}
.selector-options{display:flex;gap:0;border:1px solid var(--hair);border-radius:var(--r-ctl);overflow:hidden}
.selector-btn{flex:1;padding:9px 6px;border:none;border-left:1px solid var(--hair);background:#fff;font:600 11px/1.3 var(--sans);color:var(--ink-2);cursor:pointer;transition:background .15s,color .15s;text-align:center;min-width:0}
.selector-btn:first-child{border-left:none}
.selector-btn:hover{background:var(--paper-2)}
.selector-btn.active{background:var(--teal);color:var(--paper)}
.selector-btn-sub{display:block;font-size:10px;font-weight:400;opacity:.7;margin-top:2px}
.slider-group{margin-bottom:22px}
.slider-header{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:8px}
.slider-label-text{font-size:13px;font-weight:500;color:var(--ink-2)}
.slider-value{font-size:14px;font-weight:600;color:var(--teal);font-variant-numeric:tabular-nums}
.slider-track{position:relative;height:4px;background:var(--paper-2);border:1px solid var(--hair-soft);border-radius:2px}
.slider-fill{position:absolute;left:0;top:0;height:100%;background:var(--teal);border-radius:2px;transition:width .08s}
.slider-thumb{position:absolute;top:50%;transform:translate(-50%,-50%);width:16px;height:16px;border-radius:50%;background:#fff;border:2px solid var(--teal);pointer-events:none;transition:left .08s}
.slider-input{position:absolute;top:-9px;left:0;width:100%;height:22px;opacity:0;cursor:pointer;margin:0}
.advanced-toggle{display:flex;align-items:center;gap:8px;cursor:pointer;padding:10px 12px;border:1px solid var(--hair);border-radius:var(--r-ctl);transition:border-color .15s;margin:4px 0}
.advanced-toggle:hover{border-color:var(--teal)}
.advanced-toggle-icon{width:16px;height:16px;display:flex;align-items:center;justify-content:center;transition:transform .2s}
.advanced-toggle-icon.open{transform:rotate(90deg)}
.advanced-toggle span{font:600 12px/1.2 var(--sans);color:var(--teal)}
.advanced-panel{overflow:hidden;transition:max-height .3s ease,opacity .2s ease;max-height:0;opacity:0}
.advanced-panel.open{max-height:800px;opacity:1}
.advanced-note{font-size:11.5px;color:var(--ink-3);margin:12px 0 14px;line-height:1.5}
.chart-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:16px;flex-wrap:wrap;gap:10px}
.chart-legend{display:flex;gap:18px;flex-wrap:wrap}
.chart-legend-item{display:flex;align-items:center;gap:6px}
.chart-legend-line{width:12px;height:2px}
.chart-legend-text{font-size:11px;color:var(--ink-3)}
.result-row{margin-bottom:20px}
.result-header{display:flex;justify-content:space-between;margin-bottom:6px;gap:12px}
.result-name{font-size:13px;font-weight:600;color:var(--ink-2)}
.result-value{font-family:var(--serif);font-size:16px;font-weight:600;font-variant-numeric:tabular-nums}
.result-bar{height:10px;background:var(--paper-2);border:1px solid var(--hair-soft);border-radius:2px;display:flex;overflow:hidden}
.result-bar-net{transition:width .4s ease}
.result-bar-tax{opacity:.25;transition:width .4s ease}
.result-meta{display:flex;justify-content:space-between;margin-top:5px;font-size:11px;color:var(--ink-3);font-variant-numeric:tabular-nums}
.result-insight{margin-top:22px;padding:16px 18px;background:var(--paper-2);border-left:2px solid var(--teal);border-radius:0 var(--r-card) var(--r-card) 0}
.result-insight p{margin:0;font-size:13px;color:var(--ink-2);line-height:1.65}
.result-insight p strong{color:var(--teal)}
.calc-disclaimer{text-align:left;font-size:11px;color:var(--ink-3);margin:24px auto 0;line-height:1.6;max-width:1140px}
.calc-logic{margin:20px auto 0;padding:14px 18px;border:1px solid var(--hair);border-radius:var(--r-card);max-width:1140px}
.calc-logic summary{font:600 12.5px/1.4 var(--sans);color:var(--teal);cursor:pointer}
.calc-logic p{font-size:12.5px;color:var(--ink-2);margin:10px 0 0;line-height:1.65;max-width:88ch}
.calc-logic p strong{color:var(--teal)}
.calc-full-disclaimer{max-width:1140px;margin:28px auto 0;padding:20px 24px;border:1px solid var(--hair);border-left:2px solid var(--teal);border-radius:var(--r-card)}
.calc-full-disclaimer h4{font:600 11px/1.4 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--teal);margin-bottom:12px}
.calc-full-disclaimer p{font-size:12px;color:var(--ink-3);line-height:1.7;margin-bottom:10px;max-width:100ch}
.calc-full-disclaimer p:last-child{margin-bottom:0}
.next-steps{padding:80px 32px;margin-top:72px;border-top:1px solid var(--hair);background:var(--paper-2)}
.next-steps-inner{max-width:1140px;margin:0 auto}
.next-steps .kicker{display:block;margin-bottom:14px}
.next-steps h2{font-family:var(--serif);font-weight:500;font-size:clamp(1.5rem,2.6vw,2rem);color:var(--teal);margin-bottom:12px;line-height:1.15;max-width:26ch}
.next-steps p{font-family:var(--serif);font-size:15.5px;color:var(--ink-2);line-height:1.7;margin-bottom:24px;max-width:54ch}
.next-steps-sub{font-family:var(--sans);font-size:12px;color:var(--ink-3);margin-top:14px}

/* ── RESPONSIVE ─────────────────────────────────────────────── */
@media(max-width:1024px){
  .hero-inner{grid-template-columns:1fr;gap:48px}
  .hero-card{max-width:460px}
  .contents-row{grid-template-columns:64px 1fr;gap:16px 24px}
  .contents-topics{grid-column:2}
  .steps{grid-template-columns:1fr;gap:28px}
  .lib-layout{grid-template-columns:1fr;gap:28px}
  .lib-side{position:static;max-height:none;overflow:visible}
  .calc-grid{grid-template-columns:1fr}
  .footer-top{grid-template-columns:1fr}
}
@media(max-width:768px){
  .hero{padding:48px 20px 56px}
  .section{padding:64px 20px}
  .nav{padding:0 16px}
  .nav-actions{gap:10px}
  .facts-inner{flex-direction:column}
  .fact{padding:14px 0}
  .fact + .fact{border-left:none;border-top:1px solid var(--hair-soft);padding-left:0}
  .masthead{padding:40px 20px 32px}
  .lib-layout{padding:32px 20px 72px}
  .topic-head{gap:12px;padding:18px 4px}
  .topic-num{min-width:34px}
  .topic-body{padding:0 4px 0 46px}
  .page-hero{padding:40px 20px 36px}
  .calc-section{padding:32px 20px 0}
  .next-steps{padding:64px 20px}
  .band{padding:64px 20px}
}
@media(max-width:480px){
  .topic-body{padding-left:4px}
  .nav-progress-bar{display:none}
}