/* ==========================================================================
   gurindersidhu.ca — site styles
   Palette: deep navy + brass accent on warm paper. Fonts: Playfair Display / Manrope.
   ========================================================================== */

:root {
  --navy: #0b1f3a;
  --navy-2: #13294b;
  --navy-3: #1d3a6b;
  --ink: #16213a;
  --slate: #4a5670;
  --muted: #6f7a90;
  --line: #e2ddd3;
  --paper: #f7f4ee;
  --paper-2: #efeae0;
  --white: #ffffff;
  --brass: #b8922e;
  --brass-2: #d4ad4a;
  --brass-soft: #f4ead2;
  --green: #1f7a4d;
  --red: #b23a3a;

  --radius: 14px;
  --radius-lg: 22px;
  --shadow: 0 10px 30px rgba(11, 31, 58, 0.08);
  --shadow-lg: 0 24px 60px rgba(11, 31, 58, 0.14);
  --max: 1160px;
  --gutter: clamp(16px, 4vw, 40px);

  --font-head: "Playfair Display", Georgia, "Times New Roman", serif;
  --font-body: "Manrope", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
}

* { 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);
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
a { color: var(--navy-3); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--brass); }
h1, h2, h3, h4 {
  font-family: var(--font-head);
  font-weight: 600;
  line-height: 1.15;
  letter-spacing: 0;
  color: var(--navy);
  margin: 0 0 0.5em;
}
h1 { font-size: clamp(2.2rem, 5.2vw, 3.9rem); font-weight: 500; }
h2 { font-size: clamp(1.7rem, 3.4vw, 2.5rem); font-weight: 500; }
h3 { font-size: clamp(1.15rem, 2vw, 1.4rem); }
p { margin: 0 0 1em; }
p:last-child { margin-bottom: 0; }
strong { font-weight: 700; }
ul, ol { padding-left: 1.2em; }
li { margin-bottom: 0.35em; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip-link { position: absolute; left: 8px; top: -60px; background: var(--navy); color: #fff; padding: 10px 14px; border-radius: 8px; z-index: 200; }
.skip-link:focus { top: 8px; }

.wrap { max-width: var(--max); margin: 0 auto; padding-left: var(--gutter); padding-right: var(--gutter); }
.narrow { max-width: 820px; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-size: 0.8rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--brass); margin-bottom: 14px;
}
.eyebrow::before { content: ""; width: 26px; height: 2px; background: var(--brass); }
.lead { font-size: 1.15rem; color: var(--slate); }
.muted { color: var(--muted); }
.small { font-size: 0.92rem; }
.center { text-align: center; }
.center .eyebrow::before { display: none; }

/* Buttons ---------------------------------------------------------------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 14px 24px; border-radius: 999px; font-weight: 700; font-size: 1rem;
  text-decoration: none; border: 2px solid transparent; cursor: pointer;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease, color .15s ease;
  font-family: var(--font-body); line-height: 1.2;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--brass); color: var(--navy); border-color: var(--brass); }
.btn-primary:hover { background: var(--brass-2); border-color: var(--brass-2); color: var(--navy); box-shadow: 0 10px 24px rgba(184,146,46,.3); }
.btn-dark { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn-dark:hover { background: var(--navy-3); border-color: var(--navy-3); color: #fff; }
.btn-outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-light { background: #fff; color: var(--navy); border-color: #fff; }
.btn-light:hover { background: var(--paper); color: var(--navy); }
.btn-ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,.4); }
.btn-ghost:hover { border-color: #fff; color: #fff; }
.btn svg { width: 18px; height: 18px; }

/* Header ----------------------------------------------------------------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(247, 244, 238, 0.88);
  backdrop-filter: saturate(160%) blur(12px);
  -webkit-backdrop-filter: saturate(160%) blur(12px);
  border-bottom: 1px solid rgba(11,31,58,0.08);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 20px; min-height: 76px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--navy); }
.brand-mark {
  width: 42px; height: 42px; border-radius: 12px; background: var(--navy); color: var(--brass-2);
  display: grid; place-items: center; font-family: var(--font-head); font-weight: 700; font-size: 1.05rem; letter-spacing: .02em;
}
.brand-text { line-height: 1.1; }
.brand-name { font-family: var(--font-head); font-weight: 600; font-size: 1.2rem; display: block; white-space: nowrap; }
.brand-tag { font-size: 0.72rem; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); font-weight: 700; }
.nav { display: flex; align-items: center; gap: 4px; }
.nav a { text-decoration: none; color: var(--ink); font-weight: 600; font-size: 0.95rem; padding: 10px 13px; border-radius: 10px; white-space: nowrap; }
.nav a:hover { background: var(--paper-2); color: var(--navy); }
.nav a[aria-current="page"] { color: var(--navy); box-shadow: inset 0 -2px 0 var(--brass); border-radius: 0; }
.header-cta { display: flex; align-items: center; gap: 10px; }
.header-cta .btn { padding: 11px 18px; font-size: 0.93rem; white-space: nowrap; }
.nav-toggle { display: none; width: 44px; height: 44px; border: 1px solid var(--line); background: #fff; border-radius: 10px; cursor: pointer; align-items: center; justify-content: center; }
.nav-toggle span { display: block; width: 20px; height: 2px; background: var(--navy); position: relative; }
.nav-toggle span::before, .nav-toggle span::after { content: ""; position: absolute; left: 0; width: 20px; height: 2px; background: var(--navy); transition: transform .2s; }
.nav-toggle span::before { top: -6px; } .nav-toggle span::after { top: 6px; }
.nav-open .nav-toggle span { background: transparent; }
.nav-open .nav-toggle span::before { transform: translateY(6px) rotate(45deg); }
.nav-open .nav-toggle span::after { transform: translateY(-6px) rotate(-45deg); }

@media (max-width: 1080px) {
  .nav { position: fixed; inset: 76px 0 auto 0; background: var(--paper); border-bottom: 1px solid var(--line); flex-direction: column; align-items: stretch; padding: 12px var(--gutter) 20px; display: none; box-shadow: var(--shadow-lg); }
  .nav a { padding: 14px 10px; font-size: 1.05rem; border-bottom: 1px solid var(--line); border-radius: 0; }
  .nav a[aria-current="page"] { box-shadow: none; color: var(--brass); }
  .nav-open .nav { display: flex; }
  .nav-toggle { display: inline-flex; }
  .header-cta .btn-text { display: none; }
}

/* Hero ------------------------------------------------------------------- */
.hero {
  position: relative; overflow: hidden;
  background: radial-gradient(1200px 500px at 85% -10%, #223f76 0%, var(--navy) 55%);
  color: #fff; padding: clamp(56px, 8vw, 110px) 0 0;
}
.hero .wrap { position: relative; z-index: 2; display: grid; grid-template-columns: 1.15fr .85fr; gap: clamp(28px, 5vw, 64px); align-items: center; padding-bottom: clamp(40px, 6vw, 72px); }
.hero h1 { color: #fff; margin-bottom: 20px; }
.hero h1 em { font-style: italic; color: var(--brass-2); font-weight: 400; }
.hero .lead { color: rgba(255,255,255,.82); font-size: clamp(1.05rem, 1.6vw, 1.25rem); max-width: 560px; }
.hero .eyebrow { color: var(--brass-2); } .hero .eyebrow::before { background: var(--brass-2); }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.hero-points { display: flex; flex-wrap: wrap; gap: 10px 22px; margin: 28px 0 0; padding: 0; list-style: none; color: rgba(255,255,255,.8); font-size: .95rem; }
.hero-points li { display: flex; align-items: center; gap: 8px; }
.hero-points svg { width: 16px; height: 16px; color: var(--brass-2); flex: none; }
/* Skyline sits in normal flow below the hero text, so it can never overlap it. Brass on navy. */
.skyline { display: block; width: 100%; height: auto; max-height: 150px; margin-top: 8px; color: var(--brass-2); pointer-events: none; }

/* Profile card ------------------------------------------------------------ */
.profile-card {
  background: #fff; color: var(--ink); border-radius: var(--radius-lg); padding: 26px; box-shadow: var(--shadow-lg);
  position: relative; transform: rotate(-1deg);
}
.profile-card::after { content: ""; position: absolute; inset: 10px -10px -10px 10px; border-radius: var(--radius-lg); border: 2px solid var(--brass-2); z-index: -1; opacity: .6; }
.profile-top { display: flex; align-items: center; gap: 18px; }
.headshot { width: 96px; height: 96px; border-radius: 50%; overflow: hidden; background: var(--navy); flex: none; position: relative; box-shadow: inset 0 0 0 4px var(--brass-soft); }
.headshot img { width: 100%; height: 100%; object-fit: cover; }
.headshot .initials { position: absolute; inset: 0; display: none; place-items: center; color: var(--brass-2); font-family: var(--font-head); font-weight: 700; font-size: 2rem; }
.headshot.no-photo img { display: none; }
.headshot.no-photo .initials { display: grid; }
.profile-name { font-family: var(--font-head); font-size: 1.5rem; font-weight: 600; color: var(--navy); line-height: 1.1; }
.profile-title { color: var(--slate); font-size: .95rem; margin-top: 4px; }
.cred-list { list-style: none; padding: 0; margin: 20px 0 0; display: grid; gap: 10px; }
.cred-list li { display: flex; gap: 12px; align-items: flex-start; font-size: .95rem; color: var(--slate); padding: 10px 12px; background: var(--paper); border-radius: 10px; }
.cred-list b { color: var(--navy); display: block; font-weight: 700; }
.cred-list svg { width: 20px; height: 20px; color: var(--brass); flex: none; margin-top: 2px; }
.profile-contact { margin-top: 18px; display: grid; gap: 8px; font-size: .95rem; }
.profile-contact a { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy); font-weight: 600; }
.profile-contact svg { width: 18px; height: 18px; color: var(--brass); }

@media (max-width: 900px) {
  .hero .wrap { grid-template-columns: 1fr; }
  .profile-card { transform: none; }
}

/* Sections --------------------------------------------------------------- */
.section { padding: clamp(56px, 8vw, 104px) 0; }
.section-tight { padding: clamp(40px, 5vw, 64px) 0; }
.section-alt { background: var(--paper-2); }
.section-dark { background: var(--navy); color: #fff; }
.section-dark h2, .section-dark h3 { color: #fff; }
.section-dark .lead, .section-dark p { color: rgba(255,255,255,.82); }
.section-dark .eyebrow { color: var(--brass-2); } .section-dark .eyebrow::before { background: var(--brass-2); }
.section-head { max-width: 720px; margin-bottom: clamp(28px, 4vw, 48px); }
.section-head.center { margin-left: auto; margin-right: auto; }

.grid { display: grid; gap: 22px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 960px) { .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; } }

.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 28px;
  box-shadow: 0 1px 0 rgba(11,31,58,.02); transition: transform .2s ease, box-shadow .2s ease;
}
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.card h3 { margin-top: 14px; }
.card p { color: var(--slate); }
.card .icon { width: 48px; height: 48px; border-radius: 12px; background: var(--brass-soft); color: var(--brass); display: grid; place-items: center; }
.card .icon svg { width: 24px; height: 24px; }
.card-link { display: inline-flex; align-items: center; gap: 6px; font-weight: 700; text-decoration: none; margin-top: 10px; color: var(--navy); }
.card-link:hover { color: var(--brass); }
.card-link svg { width: 16px; height: 16px; transition: transform .15s; }
.card-link:hover svg { transform: translateX(3px); }
.card-dark { background: var(--navy-2); border-color: rgba(255,255,255,.08); color: #fff; }
.card-dark h3 { color: #fff; } .card-dark p { color: rgba(255,255,255,.78); }
.card-dark .icon { background: rgba(212,173,74,.16); color: var(--brass-2); }
.card-dark .card-link { color: var(--brass-2); }

.feature-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; }
.feature-list li { display: flex; gap: 12px; align-items: flex-start; }
.feature-list svg { width: 22px; height: 22px; color: var(--brass); flex: none; margin-top: 2px; }
.feature-list b { color: var(--navy); }

/* Split ---------------------------------------------------------------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(28px, 5vw, 64px); align-items: center; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; } }
.split-media { position: relative; }
.stat-tiles { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.stat-tile { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; }
.stat-tile b { font-family: var(--font-head); font-size: 1.9rem; color: var(--navy); display: block; line-height: 1; font-weight: 600; }
.stat-tile span { color: var(--slate); font-size: .92rem; display: block; margin-top: 8px; }

/* Steps ---------------------------------------------------------------- */
.steps { counter-reset: step; list-style: none; padding: 0; margin: 0; display: grid; gap: 18px; }
.steps li { counter-increment: step; display: grid; grid-template-columns: 56px 1fr; gap: 18px; align-items: start; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; }
.steps li::before { content: counter(step, decimal-leading-zero); font-family: var(--font-head); font-size: 1.6rem; color: var(--brass); font-weight: 600; line-height: 1; }
.steps h3 { margin-bottom: 6px; font-size: 1.15rem; }
.steps p { color: var(--slate); margin: 0; }

/* Table ---------------------------------------------------------------- */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; }
table { width: 100%; border-collapse: collapse; font-size: .95rem; }
th, td { padding: 12px 14px; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
th { background: var(--paper-2); font-weight: 700; color: var(--navy); font-size: .85rem; letter-spacing: .04em; text-transform: uppercase; }
tr:last-child td { border-bottom: 0; }
td.num, th.num { text-align: right; white-space: nowrap; font-variant-numeric: tabular-nums; }

/* FAQ ------------------------------------------------------------------ */
.faq { display: grid; gap: 12px; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 0 22px; }
.faq summary { cursor: pointer; list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 18px 0; font-weight: 700; color: var(--navy); font-size: 1.02rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-family: var(--font-head); font-size: 1.5rem; color: var(--brass); line-height: 1; flex: none; transition: transform .2s; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq .answer { padding: 0 0 20px; color: var(--slate); }

/* Callout ---------------------------------------------------------------- */
.callout { border-left: 4px solid var(--brass); background: var(--brass-soft); padding: 18px 22px; border-radius: 0 var(--radius) var(--radius) 0; color: var(--ink); }
.callout.info { border-color: var(--navy-3); background: #e8eef8; }
.notice { font-size: .88rem; color: var(--muted); }

/* CTA band -------------------------------------------------------------- */
.cta-band { background: linear-gradient(120deg, var(--navy) 0%, var(--navy-3) 100%); color: #fff; border-radius: var(--radius-lg); padding: clamp(32px, 5vw, 56px); display: grid; grid-template-columns: 1.4fr 1fr; gap: 28px; align-items: center; position: relative; overflow: hidden; }
.cta-band::before { content: ""; position: absolute; right: -80px; top: -80px; width: 260px; height: 260px; border-radius: 50%; border: 40px solid rgba(212,173,74,.18); }
.cta-band h2 { color: #fff; margin-bottom: 10px; }
.cta-band p { color: rgba(255,255,255,.8); margin: 0; }
.cta-actions { display: flex; flex-wrap: wrap; gap: 12px; justify-content: flex-end; position: relative; }
@media (max-width: 800px) { .cta-band { grid-template-columns: 1fr; } .cta-actions { justify-content: flex-start; } }

/* Page header ------------------------------------------------------------ */
.page-head { background: var(--navy); color: #fff; padding: clamp(48px, 7vw, 88px) 0 clamp(40px, 6vw, 72px); position: relative; overflow: hidden; }
.page-head::after { content: ""; position: absolute; right: -10%; bottom: -60%; width: 60vw; height: 60vw; max-width: 700px; max-height: 700px; border-radius: 50%; background: radial-gradient(closest-side, rgba(212,173,74,.16), transparent 70%); }
.page-head h1 { color: #fff; }
.page-head .lead { color: rgba(255,255,255,.82); max-width: 720px; }
.page-head .eyebrow { color: var(--brass-2); } .page-head .eyebrow::before { background: var(--brass-2); }
.crumbs { list-style: none; padding: 0; margin: 0 0 18px; display: flex; flex-wrap: wrap; gap: 8px; font-size: .88rem; color: rgba(255,255,255,.6); }
.crumbs a { color: rgba(255,255,255,.8); text-decoration: none; }
.crumbs li + li::before { content: "/"; margin-right: 8px; opacity: .5; }

/* Prose ---------------------------------------------------------------- */
.prose h2 { margin-top: 2em; }
.prose h3 { margin-top: 1.6em; }
.prose ul li, .prose ol li { margin-bottom: .5em; color: var(--ink); }

/* Forms ---------------------------------------------------------------- */
.form { display: grid; gap: 16px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 640px) { .form-row { grid-template-columns: 1fr; } }
label { font-weight: 700; font-size: .92rem; color: var(--navy); display: block; margin-bottom: 6px; }
input[type="text"], input[type="email"], input[type="tel"], input[type="number"], select, textarea {
  width: 100%; font: inherit; padding: 13px 14px; border: 1px solid #cfc9bd; border-radius: 10px; background: #fff; color: var(--ink);
  transition: border-color .15s, box-shadow .15s;
}
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--navy-3); box-shadow: 0 0 0 4px rgba(29,58,107,.12); }
textarea { min-height: 140px; resize: vertical; }
.check { display: flex; align-items: center; gap: 10px; font-weight: 600; font-size: .95rem; color: var(--ink); cursor: pointer; }
.check input { width: 20px; height: 20px; accent-color: var(--navy); }
.form-status { display: none; padding: 14px 16px; border-radius: 10px; font-weight: 600; }
.form-status.ok { display: block; background: #e6f4ec; color: var(--green); }
.form-status.err { display: block; background: #fbe9e9; color: var(--red); }
.hp { position: absolute; left: -9999px; opacity: 0; height: 0; width: 0; overflow: hidden; }

/* Contact cards ------------------------------------------------------------ */
.contact-cards { display: grid; gap: 14px; }
.contact-card { display: flex; gap: 16px; align-items: flex-start; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; text-decoration: none; color: var(--ink); transition: transform .15s, box-shadow .15s; }
.contact-card:hover { transform: translateY(-2px); box-shadow: var(--shadow); color: var(--ink); }
.contact-card .icon { width: 46px; height: 46px; border-radius: 12px; background: var(--brass-soft); color: var(--brass); display: grid; place-items: center; flex: none; }
.contact-card .icon svg { width: 22px; height: 22px; }
.contact-card b { display: block; color: var(--navy); font-size: 1.05rem; }
.contact-card span { color: var(--slate); font-size: .95rem; }

/* Calculator ------------------------------------------------------------- */
.calc { display: grid; grid-template-columns: 1fr 1.1fr; gap: 28px; align-items: stretch; }
@media (max-width: 900px) { .calc { grid-template-columns: 1fr; } }
.calc-panel { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 28px; }
.money-input { position: relative; }
.money-input::before { content: "$"; position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 700; }
.money-input input { padding-left: 30px; font-size: 1.25rem; font-weight: 700; color: var(--navy); }
.seg { display: grid; grid-template-columns: 1fr 1fr; border: 1px solid #cfc9bd; border-radius: 10px; overflow: hidden; }
.seg label { margin: 0; }
.seg input { position: absolute; opacity: 0; pointer-events: none; }
.seg span { display: block; text-align: center; padding: 12px; cursor: pointer; font-weight: 700; color: var(--slate); background: #fff; transition: background .15s, color .15s; }
.seg input:checked + span { background: var(--navy); color: #fff; }
.seg input:focus-visible + span { outline: 3px solid rgba(29,58,107,.3); }
.result-total { background: var(--navy); color: #fff; border-radius: var(--radius); padding: 24px; display: flex; justify-content: space-between; align-items: baseline; gap: 16px; flex-wrap: wrap; }
.result-total span { color: rgba(255,255,255,.75); font-weight: 600; }
.result-total b { font-family: var(--font-head); font-size: clamp(1.9rem, 4vw, 2.6rem); font-weight: 600; color: var(--brass-2); }
.result-rows { margin: 18px 0 0; padding: 0; list-style: none; }
.result-rows li { display: flex; justify-content: space-between; gap: 16px; padding: 12px 0; border-bottom: 1px solid var(--line); font-size: .98rem; }
.result-rows li:last-child { border-bottom: 0; }
.result-rows li.sub { color: var(--slate); font-size: .9rem; padding: 6px 0 6px 18px; border: 0; }
.result-rows li.rebate b { color: var(--green); }
.result-rows b { font-variant-numeric: tabular-nums; white-space: nowrap; }
.pill { display: inline-block; font-size: .75rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; background: var(--brass-soft); color: var(--brass); padding: 4px 10px; border-radius: 999px; }

/* Footer ----------------------------------------------------------------- */
.site-footer { background: #08172c; color: rgba(255,255,255,.78); padding: 56px 0 28px; font-size: .95rem; }
.footer-grid { display: grid; grid-template-columns: 1.3fr 1fr 1fr 1fr 1fr; gap: 28px; }
@media (max-width: 1080px) { .footer-grid { grid-template-columns: 1fr 1fr 1fr; } .footer-brand { grid-column: 1 / -1; } }
@media (max-width: 760px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px) { .footer-grid { grid-template-columns: 1fr; } }
.site-footer h4 { color: #fff; font-family: var(--font-body); font-size: .8rem; letter-spacing: .14em; text-transform: uppercase; margin-bottom: 14px; }
.site-footer a { color: rgba(255,255,255,.85); text-decoration: none; }
.site-footer a:hover { color: var(--brass-2); }
.site-footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.footer-brand .brand-mark { background: var(--brass); color: var(--navy); }
.footer-brand .brand-name { color: #fff; }
.footer-brand .brand-tag { color: rgba(255,255,255,.55); }
.footer-legal { border-top: 1px solid rgba(255,255,255,.1); margin-top: 40px; padding-top: 22px; font-size: .84rem; color: rgba(255,255,255,.55); display: grid; gap: 10px; }
.footer-legal p { margin: 0; }

/* Reveal ------------------------------------------------------------------ */
@media (prefers-reduced-motion: no-preference) {
  .reveal { opacity: 0; transform: translateY(18px); transition: opacity .6s ease, transform .6s ease; }
  .reveal.in { opacity: 1; transform: none; }
}

/* Utilities -------------------------------------------------------------- */
.mt-0 { margin-top: 0; } .mt-1 { margin-top: 12px; } .mt-2 { margin-top: 24px; } .mt-3 { margin-top: 40px; }
.mb-2 { margin-bottom: 24px; }
.flex { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }

/* Calculators (hub, mortgage, money longevity) ---------------------------- */
.calc-nav { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 26px; }
.calc-nav a { text-decoration: none; font-weight: 700; font-size: .92rem; padding: 10px 16px; border-radius: 999px; border: 1px solid var(--line); background: #fff; color: var(--navy); }
.calc-nav a:hover { border-color: var(--navy); color: var(--navy); }
.calc-nav a[aria-current="page"] { background: var(--navy); color: #fff; border-color: var(--navy); }
.mode { display: inline-flex; border: 1px solid #cfc9bd; border-radius: 999px; overflow: hidden; background: #fff; }
.mode button { font: inherit; font-weight: 700; font-size: .9rem; padding: 9px 18px; border: 0; background: transparent; color: var(--slate); cursor: pointer; }
.mode button[aria-pressed="true"] { background: var(--navy); color: #fff; }
.inputs-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px 16px; }
.result-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 16px; }
.result-mini { background: var(--paper); border-radius: 12px; padding: 14px 16px; }
.result-mini span { display: block; font-size: .74rem; color: var(--muted); font-weight: 800; letter-spacing: .06em; text-transform: uppercase; margin-bottom: 4px; }
.result-mini b { font-size: 1.2rem; color: var(--navy); font-variant-numeric: tabular-nums; }
.field-help { font-size: .84rem; color: var(--muted); margin-top: 5px; }
.schedule { max-height: 440px; overflow: auto; }
.schedule th { position: sticky; top: 0; z-index: 1; }
.btn-sm { padding: 8px 14px; font-size: .88rem; }
.chart { width: 100%; height: auto; display: block; margin-top: 14px; background: #fff; border: 1px solid var(--line); border-radius: 12px; }
.chart .gridline { stroke: var(--line); }
.chart .line { fill: none; stroke: var(--navy); stroke-width: 2.5; stroke-linejoin: round; }
.chart .area { fill: rgba(29, 58, 107, .10); }
.chart .lbl { font: 600 11px var(--font-body); fill: var(--muted); }
.chart .target { stroke: var(--brass); stroke-width: 2; stroke-dasharray: 5 5; }
.verdict { font-family: var(--font-head); font-size: clamp(1.25rem, 2.4vw, 1.6rem); color: var(--navy); line-height: 1.3; }
.verdict.bad { color: var(--red); }
.verdict.good { color: var(--green); }
@media (max-width: 560px) { .inputs-grid, .result-grid { grid-template-columns: 1fr; } }

/* PV / FV calculator extras --------------------------------------------- */
.chart .line2 { fill: none; stroke: var(--brass); stroke-width: 2; stroke-dasharray: 6 4; stroke-linejoin: round; }
.legend { display: flex; flex-wrap: wrap; gap: 16px; font-size: .84rem; color: var(--slate); margin-top: 8px; }
.legend span::before { content: ""; display: inline-block; width: 18px; height: 3px; vertical-align: middle; margin-right: 8px; border-radius: 2px; background: var(--navy); }
.legend span.alt::before { background: repeating-linear-gradient(90deg, var(--brass) 0 6px, transparent 6px 10px); }
[hidden] { display: none !important; }

/* Calculator disclaimer --------------------------------------------------- */
.disclaimer { margin-top: 28px; padding: 18px 22px; border: 1px dashed #cfc9bd; border-radius: var(--radius); background: #fff; font-size: .88rem; color: var(--slate); }
.disclaimer h3 { font-family: var(--font-body); font-size: .78rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); margin: 0 0 6px; }
.disclaimer p { margin: 0; }

/* Personal tax calculator ------------------------------------------------- */
.tax-table th { white-space: normal; min-width: 96px; font-size: .78rem; line-height: 1.3; vertical-align: bottom; }
.tax-table th:first-child { min-width: 150px; }
.tax-table tbody tr { cursor: pointer; }
.tax-table tbody tr:hover td { background: var(--paper); }
.tax-table tbody tr.sel td { background: var(--brass-soft); }
.tax-table td.neg { color: var(--green); }
.tax-table td b { color: var(--navy); }
@media (max-width: 900px) { #pt-detail { grid-template-columns: 1fr !important; } }

/* RRSP calculator ----------------------------------------------------------- */
.prov-badge { display: inline-block; min-width: 34px; text-align: center; font-size: .72rem; font-weight: 800; letter-spacing: .06em; padding: 3px 6px; border-radius: 6px; background: var(--navy); color: var(--brass-2); margin-right: 10px; vertical-align: middle; }
.rr-tables { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.rr-tables td:first-child { white-space: nowrap; }
.rr-tables .tax-table th:first-child { min-width: 0; }
@media (max-width: 1100px) { .rr-tables { grid-template-columns: 1fr; } }

/* RESP calculator ----------------------------------------------------------- */
.facts { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.fact { text-align: center; padding: 22px 18px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); color: var(--slate); font-size: .95rem; }
.fact .icon { margin: 0 auto 12px; width: 48px; height: 48px; border-radius: 12px; background: var(--brass-soft); color: var(--brass); display: grid; place-items: center; }
.fact .icon svg { width: 24px; height: 24px; }
.fact b { color: var(--navy); }
@media (max-width: 760px) { .facts { grid-template-columns: 1fr; } }
.chart .bar-save { fill: var(--navy-3); }
.chart .bar-short { fill: #9aa3b5; }
.chart .bar-goal { stroke: var(--brass); stroke-width: 2; stroke-dasharray: 5 5; }
.legend span.save::before { background: var(--navy-3); }
.legend span.short::before { background: #9aa3b5; }
.legend span.goal::before { background: repeating-linear-gradient(90deg, var(--brass) 0 5px, transparent 5px 9px); }
.pct-met { font-size: 1.05rem; color: var(--slate); text-align: center; margin-top: 14px; }
.pct-met b { color: var(--navy); }

/* Cards: push the final button/link to the bottom so buttons line up across a row */
.card { display: flex; flex-direction: column; }
.card > .btn:last-child, .card > .card-link:last-child { margin-top: auto; align-self: flex-start; }
.card > .btn:last-child { position: relative; top: 0; }
.card > :nth-last-child(2) { margin-bottom: 24px; }
.card > h3:nth-last-child(2) { margin-bottom: 24px; }

/* Align input boxes across a row: labels reserve two lines so every box starts at the same height */
.inputs-grid > div { display: flex; flex-direction: column; }
.inputs-grid label { min-height: 2.75em; display: flex; align-items: flex-end; }
.inputs-grid .field-help { margin-top: auto; padding-top: 5px; }
.calc-panel { display: flex; flex-direction: column; }
.calc-panel > .callout { margin-top: auto; }
.calc-panel > .callout.mt-3 { margin-top: auto; padding-top: 18px; }