/* Clear Money Sheets: one stylesheet, mobile-first. Palette and fonts: see site/DESIGN-BRIEF.md */
@font-face { font-family: "Inter"; src: url("../fonts/inter-latin-400-normal.woff2") format("woff2"); font-weight: 400; font-display: swap; }
@font-face { font-family: "Inter"; src: url("../fonts/inter-latin-600-normal.woff2") format("woff2"); font-weight: 600; font-display: swap; }
@font-face { font-family: "Fraunces"; src: url("../fonts/fraunces-latin-600-normal.woff2") format("woff2"); font-weight: 600; font-display: swap; }

:root {
  --teal: #1F5F6B; --teal-dark: #164650; --teal-tint: #E3EEF0;
  --sand: #F7F4EE; --white: #FFFFFF; --amber: #E0A458; --amber-dark: #C98B3E;
  --ink: #1C2B2E; --muted: #55666A; --line: #E2DCCF;
  --radius: 12px; --shadow: 0 1px 2px rgba(28,43,46,.06), 0 6px 20px rgba(28,43,46,.07);
  --serif: "Fraunces", Georgia, "Times New Roman", serif;
  --sans: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --wrap: 1120px;
}
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } * { transition: none !important; } }
body { margin: 0; background: var(--sand); color: var(--ink); font: 400 1rem/1.6 var(--sans); overflow-x: hidden; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--teal); text-underline-offset: 2px; }
a:hover { color: var(--teal-dark); }
:focus-visible { outline: 3px solid var(--amber); outline-offset: 2px; border-radius: 4px; }
h1, h2, h3 { font-family: var(--serif); font-weight: 600; color: var(--teal-dark); line-height: 1.2; margin: 0 0 .5em; }
h1 { font-size: clamp(1.9rem, 6vw, 3rem); letter-spacing: -.01em; }
h2 { font-size: clamp(1.5rem, 4.5vw, 2.1rem); }
h3 { font-size: 1.2rem; }
p { margin: 0 0 1em; }
.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 16px; }
.narrow { max-width: 760px; }
.muted { color: var(--muted); }
.small { font-size: .9rem; }
.center { text-align: center; }
.visually-hidden { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip { position: absolute; left: 8px; top: -60px; background: var(--white); padding: 10px 14px; border-radius: 8px; z-index: 100; }
.skip:focus { top: 8px; }

/* ---------- buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .5em; min-height: 48px; padding: 12px 22px;
  border-radius: 10px; border: 2px solid transparent; font: 600 1rem/1.2 var(--sans); text-decoration: none; cursor: pointer; text-align: center; }
.btn-primary { background: var(--amber); color: var(--ink); border-color: var(--amber); }
.btn-primary:hover { background: var(--amber-dark); border-color: var(--amber-dark); color: var(--ink); }
.btn-secondary { background: transparent; color: var(--teal); border-color: var(--teal); }
.btn-secondary:hover { background: var(--teal); color: var(--white); }
.btn-light { background: var(--white); color: var(--teal-dark); border-color: var(--white); }
.btn[aria-disabled="true"] { background: var(--line); border-color: var(--line); color: #45555A; cursor: not-allowed; }
.btn-block { width: 100%; }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; }

/* ---------- header ---------- */
.site-header { background: var(--white); border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 50; }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; min-height: 64px; gap: 12px; }
.logo { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: var(--teal-dark); font: 600 1.1rem/1 var(--serif); }
.logo svg { flex: none; }
.nav-toggle { display: inline-flex; align-items: center; justify-content: center; width: 48px; height: 48px; border: 1px solid var(--line);
  background: var(--white); border-radius: 10px; cursor: pointer; color: var(--teal-dark); }
.site-nav { display: none; position: absolute; left: 0; right: 0; top: 100%; background: var(--white); border-bottom: 1px solid var(--line); padding: 8px 16px 16px; }
.site-nav.open { display: block; }
.site-nav ul { list-style: none; margin: 0; padding: 0; }
.site-nav a:not(.btn) { display: block; padding: 12px 4px; text-decoration: none; color: var(--ink); font-weight: 600; border-bottom: 1px solid var(--sand); }
.site-nav a[aria-current="page"] { color: var(--teal); }
.site-nav .btn { margin-top: 12px; width: 100%; }
.no-js .site-nav { display: block; position: static; padding: 0; border: 0; }
.no-js .nav-toggle { display: none; }
@media (min-width: 900px) {
  .nav-toggle { display: none; }
  .site-nav { display: block; position: static; padding: 0; border: 0; }
  .site-nav ul { display: flex; align-items: center; gap: 6px; }
  .site-nav a:not(.btn) { border: 0; padding: 10px 12px; }
  .site-nav .btn { margin: 0 0 0 8px; width: auto; min-height: 44px; padding: 10px 18px; }
}

/* ---------- sections ---------- */
.section { padding: 56px 0; }
.section-white { background: var(--white); }
.section-teal { background: var(--teal); color: var(--white); }
.section-teal h2, .section-teal h3 { color: var(--white); }
.section-head { max-width: 680px; margin-bottom: 28px; }
.section-head.center { margin-left: auto; margin-right: auto; }
.eyebrow { display: inline-block; font: 600 .8rem/1 var(--sans); letter-spacing: .08em; text-transform: uppercase; color: var(--teal); margin-bottom: 10px; }
.section-teal .eyebrow { color: #F3CF9A; } /* light amber: 4.9:1 on teal (plain amber is only 3.3:1) */

/* ---------- hero ---------- */
.hero { padding: 40px 0 48px; }
.hero .wrap { display: grid; gap: 32px; align-items: center; }
.hero p.lead { font-size: 1.15rem; color: var(--muted); max-width: 34em; }
.hero-note { margin-top: 14px; font-size: .9rem; color: var(--muted); }
.mockup { border-radius: var(--radius); box-shadow: var(--shadow); overflow: hidden; background: var(--white); }
@media (min-width: 900px) { .hero { padding: 72px 0; } .hero .wrap { grid-template-columns: 1fr 1.1fr; gap: 48px; } }

/* ---------- trust strip ---------- */
.trust { background: var(--teal-dark); color: var(--white); }
.trust ul { list-style: none; margin: 0 auto; padding: 18px 16px; display: grid; grid-template-columns: 1fr 1fr; gap: 14px 18px; max-width: var(--wrap); }
.trust li { display: flex; align-items: center; gap: 10px; font-size: .95rem; font-weight: 600; }
.trust svg { flex: none; color: var(--amber); }
@media (min-width: 900px) { .trust ul { grid-template-columns: repeat(4, auto); justify-content: space-between; } }
.trust-list { list-style: none; padding: 0; margin: 16px 0 0; display: grid; gap: 8px; font-size: .95rem; }
.trust-list li { display: flex; gap: 10px; align-items: center; }
.trust-list svg { color: var(--teal); flex: none; }

/* ---------- filters + grid ---------- */
.filters { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 24px; }
.chip { min-height: 44px; padding: 10px 16px; border-radius: 999px; border: 1px solid var(--teal); background: var(--white); color: var(--teal-dark);
  font: 600 .95rem/1 var(--sans); cursor: pointer; }
.chip:hover { background: var(--teal-tint); }
.chip[aria-pressed="true"] { background: var(--teal); color: var(--white); }
.grid { display: grid; gap: 20px; grid-template-columns: 1fr; }
@media (min-width: 640px) { .grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .grid-3 { grid-template-columns: repeat(3, 1fr); } }
.card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; display: flex; flex-direction: column; }
.card[hidden] { display: none; }
.card-img { display: block; aspect-ratio: 4 / 3; background: var(--sand); border-bottom: 1px solid var(--line); }
.card-img img { width: 100%; height: 100%; object-fit: cover; }
.card-body { padding: 18px; display: flex; flex-direction: column; flex: 1; }
.card-body h3 { margin-bottom: 6px; }
.card-body h3 a { color: inherit; text-decoration: none; }
.card-body h3 a:hover { text-decoration: underline; }
.card-body p { color: var(--muted); font-size: .95rem; flex: 1; }
.card-foot { display: flex; align-items: center; justify-content: space-between; gap: 12px; flex-wrap: wrap; }
.card-foot .btn { flex: 1 1 auto; }
.tag { display: inline-block; font: 600 .75rem/1 var(--sans); padding: 6px 10px; border-radius: 999px; background: var(--teal-tint); color: var(--teal-dark); margin-bottom: 10px; align-self: flex-start; }
.price { font: 600 1.25rem/1 var(--sans); color: var(--teal-dark); }
.price small { font-size: .8rem; color: var(--muted); font-weight: 400; }
.empty-filter { padding: 20px; background: var(--white); border-radius: var(--radius); border: 1px dashed var(--line); }

/* ---------- bundle ---------- */
.bundle-box { display: grid; gap: 28px; align-items: center; }
.bundle-box ul { padding-left: 1.2em; margin: 0 0 20px; }
.bundle-box li { margin-bottom: 6px; }
.section-teal a:not(.btn) { color: var(--white); }
.saving { display: grid; grid-template-columns: 1fr auto; gap: 6px 0; background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.25);
  border-radius: var(--radius); padding: 16px 18px; margin: 0 0 20px; font-size: .95rem; }
.saving dd { margin: 0; padding-left: 16px; text-align: right; font-weight: 600; }
.saving .total { border-top: 1px solid rgba(255,255,255,.3); padding-top: 8px; font-size: 1.05rem; }
.saving-note { font-size: .85rem; opacity: .85; }
@media (min-width: 900px) { .bundle-box { grid-template-columns: 1fr 1fr; gap: 48px; } }

/* ---------- steps ---------- */
.steps { list-style: none; padding: 0; margin: 0; display: grid; gap: 16px; counter-reset: step; }
.steps li { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 20px 20px 20px 72px; position: relative; counter-increment: step; }
.steps li::before { content: counter(step); position: absolute; left: 20px; top: 18px; width: 36px; height: 36px; border-radius: 50%;
  background: var(--teal); color: var(--white); font: 600 1rem/36px var(--sans); text-align: center; }
.steps h3 { font-family: var(--sans); font-size: 1.05rem; color: var(--ink); margin-bottom: 4px; }
.steps p { margin: 0; color: var(--muted); }
@media (min-width: 900px) { .steps { grid-template-columns: repeat(3, 1fr); } }

/* ---------- comparison table ---------- */
.table-wrap { overflow-x: auto; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); }
table { border-collapse: collapse; width: 100%; font-size: .95rem; }
th, td { padding: 14px 16px; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
thead th { background: var(--teal-tint); color: var(--teal-dark); font-weight: 600; }
tbody tr:last-child td { border-bottom: 0; }
td.num { white-space: nowrap; }
@media (max-width: 639px) {
  .stack-table thead { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
  .stack-table tr { display: block; padding: 12px 16px; border-bottom: 1px solid var(--line); }
  .stack-table tr:last-child { border-bottom: 0; }
  .stack-table td { display: block; border: 0; padding: 2px 0; }
  .stack-table td:first-child { font-weight: 600; }
  .stack-table td[data-label]::before { content: attr(data-label) ": "; color: var(--muted); }
}

/* ---------- FAQ ---------- */
.faq { display: grid; gap: 10px; }
.faq details { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); }
.faq summary { list-style: none; cursor: pointer; padding: 16px 52px 16px 18px; font-weight: 600; position: relative; min-height: 48px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: ""; position: absolute; right: 20px; top: 50%; width: 10px; height: 10px; margin-top: -7px;
  border-right: 2px solid var(--teal); border-bottom: 2px solid var(--teal); transform: rotate(45deg); transition: transform .15s; }
.faq details[open] summary::after { transform: rotate(-135deg); margin-top: -2px; }
.faq details > div { padding: 0 18px 16px; color: var(--muted); }
.faq details > div p:last-child { margin: 0; }

/* ---------- CTA band ---------- */
.cta-band { text-align: center; }
.cta-band .btn-row { justify-content: center; }

/* ---------- product page ---------- */
.breadcrumb { font-size: .9rem; padding-top: 16px; }
.breadcrumb ol { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 6px; }
.breadcrumb li + li::before { content: "/"; margin-right: 6px; color: var(--muted); }
.product-top { display: grid; gap: 28px; padding-top: 20px; padding-bottom: 48px; }
@media (min-width: 900px) { .product-top { grid-template-columns: 1.2fr 1fr; gap: 48px; align-items: start; } .buy-box { position: sticky; top: 88px; } }
.gallery-main { border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); background: var(--white); }
.thumbs { display: flex; gap: 10px; margin-top: 12px; flex-wrap: wrap; }
.thumbs button, .thumbs a { padding: 0; border: 2px solid var(--line); border-radius: 8px; overflow: hidden; width: 88px; background: var(--white); cursor: pointer; }
.thumbs [aria-current="true"] { border-color: var(--teal); }
.buy-box { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; }
.buy-box .price { font-size: 1.8rem; display: block; margin: 8px 0 16px; }
.buy-box .lead { color: var(--muted); }
.inside-list { display: grid; gap: 14px; }
@media (min-width: 640px) { .inside-list { grid-template-columns: 1fr 1fr; } }
.inside-list div { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px; }
.inside-list h3 { font-family: var(--sans); font-size: 1.02rem; color: var(--teal-dark); margin-bottom: 4px; }
.inside-list p { margin: 0; color: var(--muted); font-size: .95rem; }
.check-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.check-list li { position: relative; padding-left: 32px; }
.check-list li::before { content: ""; position: absolute; left: 4px; top: 6px; width: 8px; height: 14px; border-right: 3px solid var(--teal); border-bottom: 3px solid var(--teal); transform: rotate(45deg); }
.callout { background: var(--teal-tint); border-radius: var(--radius); padding: 20px; }
.callout h3 { margin-bottom: 6px; }
.two-col { display: grid; gap: 32px; }
@media (min-width: 900px) { .two-col { grid-template-columns: 1fr 1fr; gap: 48px; } }

/* ---------- prose pages ---------- */
.page-head { padding-top: 40px; padding-bottom: 8px; }
.prose { padding-bottom: 56px; }
.prose h2 { font-size: 1.4rem; margin-top: 1.6em; }
.prose ul { padding-left: 1.2em; }
.prose li { margin-bottom: .4em; }
.card-plain { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; }

/* ---------- tools ---------- */
.tool { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; }
.tool fieldset { border: 0; padding: 0; margin: 0 0 16px; }
.tool legend { font-weight: 600; margin-bottom: 8px; }
.field { display: grid; gap: 6px; margin-bottom: 14px; }
.field label { font-weight: 600; font-size: .95rem; }
.field .hint { font-size: .85rem; color: var(--muted); }
input[type="number"], input[type="text"], input[type="month"] { width: 100%; min-height: 48px; padding: 10px 12px; font: 400 1rem var(--sans); color: var(--ink);
  background: #FFFBEA; border: 1px solid #CDBF95; border-radius: 8px; }
input:focus { border-color: var(--teal); }
.fields-2 { display: grid; gap: 0 16px; }
@media (min-width: 640px) { .fields-2 { grid-template-columns: 1fr 1fr; } }
.debt-rows { display: grid; gap: 12px; }
.debt-row { display: grid; grid-template-columns: 1fr 1fr; gap: 8px 10px; padding: 14px; border: 1px solid var(--line); border-radius: 10px; background: var(--sand); }
.debt-row .field { margin: 0; }
.debt-row .field:first-child { grid-column: 1 / -1; }
.debt-row .remove { grid-column: 1 / -1; justify-self: start; background: none; border: 0; color: var(--teal); text-decoration: underline; cursor: pointer; padding: 8px 0; min-height: 44px; font: 600 .9rem var(--sans); }
@media (min-width: 768px) { .debt-row { grid-template-columns: 2fr 1fr 1fr 1fr auto; align-items: end; } .debt-row .field:first-child { grid-column: auto; } .debt-row .remove { grid-column: auto; } }
.results { margin-top: 20px; border-top: 1px solid var(--line); padding-top: 20px; }
.results[hidden] { display: none; }
.result-cards { display: grid; gap: 12px; grid-template-columns: 1fr; margin-bottom: 16px; }
@media (min-width: 640px) { .result-cards { grid-template-columns: 1fr 1fr; } }
.result-card { background: var(--sand); border-radius: 10px; padding: 16px; }
.result-card h3 { font-family: var(--sans); font-size: 1rem; color: var(--teal-dark); margin-bottom: 8px; }
.result-card dl { display: grid; grid-template-columns: 1fr auto; gap: 4px 12px; margin: 0; font-size: .95rem; }
.result-card dd { margin: 0; font-weight: 600; text-align: right; }
.big-number { font: 600 1.6rem/1.2 var(--sans); color: var(--teal-dark); }
.bar { display: flex; height: 28px; border-radius: 8px; overflow: hidden; margin: 12px 0; }
.bar span { display: block; }
.legend { list-style: none; padding: 0; margin: 0; display: grid; gap: 6px; font-size: .95rem; }
.legend i { display: inline-block; width: 12px; height: 12px; border-radius: 3px; margin-right: 8px; vertical-align: -1px; }
.error { color: #A33A2B; font-weight: 600; }
.tool-upsell { margin-top: 20px; }

/* ---------- blog ---------- */
.post-meta { color: var(--muted); font-size: .9rem; }
.post-cta { background: var(--white); border: 2px solid var(--teal); border-radius: var(--radius); padding: 20px; margin: 32px 0; }

/* ---------- footer ---------- */
.site-footer { background: var(--teal-dark); color: #DDE8EA; padding: 40px 0 28px; font-size: .95rem; }
.site-footer a { color: var(--white); }
.footer-grid { display: grid; gap: 28px; grid-template-columns: 1fr 1fr; }
.footer-grid > div:first-child { grid-column: 1 / -1; }
@media (min-width: 900px) { .footer-grid { grid-template-columns: 2fr 1fr 1fr 1fr; } .footer-grid > div:first-child { grid-column: auto; } }
.site-footer h2 { font: 600 .85rem/1 var(--sans); color: var(--amber); letter-spacing: .08em; text-transform: uppercase; margin-bottom: 12px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 4px; }
.site-footer li a { display: inline-block; padding: 6px 0; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.15); margin-top: 28px; padding-top: 18px; font-size: .85rem; color: #B9CDD1; }