/* =====================================================================
   MAGATHI FINANCIAL — Design System
   Cozy · Premium · Trustworthy
   Deep forest green · warm ivory · brass gold
   ===================================================================== */

/* ---- Fonts ---- */
@import url('https://fonts.googleapis.com/css2?family=Spectral:ital,wght@0,300;0,400;0,500;0,600;0,700;1,400;1,500&family=Hanken+Grotesk:wght@400;500;600;700;800&family=Space+Mono:wght@400;700&display=swap');

/* ---- Tokens ---- */
:root{
  /* Brand greens */
  --green-950:#082319;
  --green-900:#0c3a29;   /* logo green — primary */
  --green-800:#124a35;
  --green-700:#1a6347;
  --green-600:#27815c;
  --green-500:#3a9c72;
  --green-300:#9cc7b1;

  /* Warm neutrals */
  --ivory:#f7f2e8;       /* page background */
  --ivory-2:#f1ead9;     /* alt sections */
  --cream:#fffdf7;       /* cards / surfaces */
  --sand:#e7dcc4;
  --line:#e2d8c4;        /* hairlines on light */
  --line-soft:#ece4d3;

  /* Brass gold accent */
  --gold:#b88a2e;
  --gold-soft:#cdaa75;
  --gold-tint:#f0e3c6;

  /* Honey yellow — used for “growth / gain” accents on dark surfaces */
  --honey:#e8bd4b;
  --honey-soft:#f1d178;

  /* Ink */
  --ink:#1b2620;         /* primary text */
  --ink-2:#43544b;       /* secondary text */
  --ink-3:#6c7a71;       /* muted */
  --ink-on-green:#eef5ef;
  --ink-on-green-2:#bcd3c5;

  /* Effects */
  --shadow-sm:0 1px 2px rgba(12,58,41,.05), 0 2px 6px rgba(12,58,41,.04);
  --shadow-md:0 8px 24px -12px rgba(12,58,41,.22), 0 2px 8px rgba(12,58,41,.06);
  --shadow-lg:0 30px 60px -28px rgba(12,58,41,.35), 0 8px 20px -12px rgba(12,58,41,.18);
  --radius:18px;
  --radius-sm:12px;
  --radius-lg:28px;
  --maxw:1200px;
  --ease:cubic-bezier(.22,.61,.36,1);
}

/* ---- Reset ---- */
*,*::before,*::after{ box-sizing:border-box; margin:0; padding:0; }
html{ scroll-behavior:smooth; -webkit-text-size-adjust:100%; }
body{
  font-family:'Hanken Grotesk',system-ui,sans-serif;
  background:var(--ivory);
  color:var(--ink);
  font-size:17.5px;
  line-height:1.65;
  font-weight:400;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
  overflow-x:hidden;
}
img{ max-width:100%; display:block; }
a{ color:inherit; text-decoration:none; }
button{ font-family:inherit; cursor:pointer; }
::selection{ background:var(--green-900); color:var(--ivory); }

/* subtle paper grain on the whole page */
body::before{
  content:""; position:fixed; inset:0; z-index:0; pointer-events:none;
  opacity:.5; mix-blend-mode:multiply;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='120' height='120'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='.035'/%3E%3C/svg%3E");
}
body > *{ position:relative; z-index:1; }

/* ---- Type ---- */
h1,h2,h3,h4{ font-family:'Spectral',Georgia,serif; font-weight:500; line-height:1.08; letter-spacing:-.01em; color:var(--ink); }
h1{ font-size:clamp(2.6rem,5.4vw,4.6rem); font-weight:500; }
h2{ font-size:clamp(2rem,3.8vw,3.1rem); }
h3{ font-size:clamp(1.35rem,2.2vw,1.85rem); }
h4{ font-size:1.18rem; }
p{ color:var(--ink-2); text-wrap:pretty; }
strong{ color:var(--ink); font-weight:700; }

.eyebrow{
  font-family:'Space Mono',monospace; font-size:.72rem; font-weight:700;
  letter-spacing:.22em; text-transform:uppercase; color:var(--gold);
  display:inline-flex; align-items:center; gap:.6em;
}
.eyebrow::before{ content:""; width:26px; height:1px; background:var(--gold); opacity:.6; }
.eyebrow.center::after{ content:""; width:26px; height:1px; background:var(--gold); opacity:.6; }

.lead{ font-size:1.2rem; color:var(--ink-2); line-height:1.6; }
.serif-i{ font-family:'Spectral',serif; font-style:italic; }

/* ---- Layout ---- */
.container{ width:100%; max-width:var(--maxw); margin-inline:auto; padding-inline:clamp(20px,5vw,40px); }
.container-wide{ max-width:1340px; }
.section{ padding-block:clamp(64px,9vw,120px); position:relative; }
.section-tight{ padding-block:clamp(48px,6vw,80px); }
.center{ text-align:center; }
.center .eyebrow{ justify-content:center; }
.mx-auto{ margin-inline:auto; }
.measure{ max-width:62ch; }
.measure-sm{ max-width:48ch; }

.grid{ display:grid; gap:clamp(20px,2.4vw,32px); }
.cols-2{ grid-template-columns:repeat(2,1fr); }
.cols-3{ grid-template-columns:repeat(3,1fr); }
.cols-4{ grid-template-columns:repeat(4,1fr); }
@media(max-width:900px){ .cols-3,.cols-4{ grid-template-columns:repeat(2,1fr); } }
@media(max-width:620px){ .cols-2,.cols-3,.cols-4{ grid-template-columns:1fr; } }

/* tone sections */
.tone-ivory{ background:var(--ivory); }
.tone-alt{ background:var(--ivory-2); }
.tone-green{ background:var(--green-900); color:var(--ink-on-green); }
.tone-green h1,.tone-green h2,.tone-green h3,.tone-green h4{ color:var(--cream); }
.tone-green p{ color:var(--ink-on-green-2); }
.tone-green .eyebrow{ color:var(--gold-soft); }
.tone-green .eyebrow::before,.tone-green .eyebrow.center::after{ background:var(--gold-soft); }

/* ---- Buttons ---- */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:.6em;
  font-weight:600; font-size:1rem; letter-spacing:.01em;
  padding:.92em 1.6em; border-radius:100px; border:1px solid transparent; white-space:nowrap;
  transition:transform .35s var(--ease), background .25s, box-shadow .35s var(--ease), color .25s;
  will-change:transform;
}
.btn svg{ width:1.05em; height:1.05em; transition:transform .35s var(--ease); }
.btn:hover{ transform:translateY(-2px); }
.btn:active{ transform:translateY(0); }
.btn-primary{ background:var(--green-900); color:var(--cream); box-shadow:var(--shadow-md); }
.btn-primary:hover{ background:var(--green-800); box-shadow:var(--shadow-lg); }
.btn-primary:hover svg{ transform:translateX(3px); }
.btn-gold{ background:var(--gold); color:#241a05; box-shadow:0 8px 22px -10px rgba(184,138,46,.6); }
.btn-gold:hover{ background:#c89a3e; }
.btn-ghost{ background:transparent; color:var(--ink); border-color:var(--line); }
.btn-ghost:hover{ border-color:var(--green-700); color:var(--green-800); background:var(--cream); }
.tone-green .btn-ghost,.hero .btn-ghost,.pagehead .btn-ghost{ color:var(--cream); border-color:rgba(255,255,255,.25); }
.tone-green .btn-ghost:hover,.hero .btn-ghost:hover,.pagehead .btn-ghost:hover{ background:rgba(255,255,255,.08); border-color:rgba(255,255,255,.5); color:var(--cream); }
.btn-lg{ padding:1.05em 2em; font-size:1.05rem; }
.btn-sm{ padding:.6em 1.1em; font-size:.9rem; }

.textlink{ display:inline-flex; align-items:center; gap:.45em; color:var(--green-800); font-weight:600; }
.textlink svg{ width:1em; height:1em; transition:transform .3s var(--ease); }
.textlink:hover svg{ transform:translateX(4px); }
.tone-green .textlink{ color:var(--gold-soft); }

/* ---- Cards ---- */
.card{
  background:var(--cream); border:1px solid var(--line-soft); border-radius:var(--radius);
  padding:clamp(24px,2.6vw,34px); box-shadow:var(--shadow-sm);
  transition:transform .5s var(--ease), box-shadow .5s var(--ease), border-color .4s;
}
.card.hover:hover{ transform:translateY(-6px); box-shadow:var(--shadow-lg); border-color:var(--green-300); }
.card-pad-lg{ padding:clamp(28px,3.4vw,44px); }

.chip{
  display:inline-flex; align-items:center; gap:.5em; background:var(--cream);
  border:1px solid var(--line); border-radius:100px; padding:.42em .95em;
  font-size:.82rem; font-weight:600; color:var(--ink-2);
}
.tone-green .chip{ background:rgba(255,255,255,.06); border-color:rgba(255,255,255,.16); color:var(--ink-on-green-2); }

/* icon tile */
.itile{
  width:54px; height:54px; border-radius:14px; display:grid; place-items:center;
  background:linear-gradient(160deg,var(--green-700),var(--green-900));
  color:var(--cream); box-shadow:var(--shadow-md); flex:none;
}
.itile svg{ width:26px; height:26px; }
.itile.gold{ background:linear-gradient(160deg,#d3a544,var(--gold)); color:#241a05; box-shadow:0 8px 20px -10px rgba(184,138,46,.5); }
.itile.soft{ background:var(--green-300); color:var(--green-900); box-shadow:none; }

/* divider */
.hr{ height:1px; background:var(--line); border:0; }
.tone-green .hr{ background:rgba(255,255,255,.12); }

/* ===================== HEADER / NAV ===================== */
.site-header{
  position:sticky; top:0; z-index:60;
  background:rgba(247,242,232,.82); backdrop-filter:blur(14px) saturate(140%);
  border-bottom:1px solid transparent; transition:border-color .3s, box-shadow .3s, background .3s;
}
.site-header.scrolled{ border-bottom-color:var(--line); box-shadow:0 4px 24px -16px rgba(12,58,41,.4); }
.nav{ display:flex; align-items:center; justify-content:space-between; gap:16px; height:76px; }
.brand{ display:flex; align-items:center; gap:12px; flex:none; }
.brand img{ height:46px; width:auto; }
.brand .bt{ display:flex; flex-direction:column; line-height:1; }
.brand .bt b{ font-family:'Spectral',serif; font-weight:600; font-size:1.12rem; letter-spacing:.01em; color:var(--green-900); }
.brand .bt span{ font-family:'Space Mono',monospace; font-size:.56rem; letter-spacing:.26em; color:var(--ink-3); text-transform:uppercase; margin-top:3px; }

.nav-links{ display:flex; align-items:center; gap:1px; }
.nav-links a{
  font-size:.9rem; font-weight:500; color:var(--ink-2); padding:.5em .6em; border-radius:9px;
  transition:color .2s, background .2s; position:relative; white-space:nowrap;
}
.nav-links a:hover{ color:var(--green-900); background:rgba(26,99,71,.07); }
.nav-links a.active{ color:var(--green-900); font-weight:600; }
.nav-cta{ display:flex; align-items:center; gap:8px; flex:none; }
.nav-login svg{ width:15px; height:15px; }

.nav-toggle{ display:none; width:44px; height:44px; border:1px solid var(--line); border-radius:11px; background:var(--cream); align-items:center; justify-content:center; }
.nav-toggle span{ position:relative; width:20px; height:2px; background:var(--ink); border-radius:2px; transition:.3s; }
.nav-toggle span::before,.nav-toggle span::after{ content:""; position:absolute; left:0; width:20px; height:2px; background:var(--ink); border-radius:2px; transition:.3s; }
.nav-toggle span::before{ top:-6px; } .nav-toggle span::after{ top:6px; }
.nav-toggle.open span{ background:transparent; }
.nav-toggle.open span::before{ top:0; transform:rotate(45deg); }
.nav-toggle.open span::after{ top:0; transform:rotate(-45deg); }

.mobile-menu{
  display:none; position:fixed; inset:76px 0 0 0; z-index:55;
  background:var(--ivory); padding:24px clamp(20px,5vw,40px) 40px;
  transform:translateY(-12px); opacity:0; pointer-events:none; transition:.35s var(--ease);
  overflow-y:auto;
}
@media(max-width:1240px){
  .nav-links,.nav-cta .btn{ display:none; }
  .nav-toggle{ display:flex; }
  .mobile-menu{ display:block; }
}
.mobile-menu.open{ transform:translateY(0); opacity:1; pointer-events:auto; }
.mobile-menu a{ display:block; font-family:'Spectral',serif; font-size:1.5rem; padding:.55em 0; border-bottom:1px solid var(--line); color:var(--ink); }
.mobile-menu a:last-of-type{ border-bottom:0; }
.mobile-menu .btn{ width:100%; margin-top:18px; }

/* ===================== HERO ===================== */
.hero{ position:relative; overflow:hidden; background:var(--green-900); color:var(--ink-on-green); }
.hero-bg{ position:absolute; inset:0; z-index:0; }
.hero-bg .blob{ position:absolute; border-radius:50%; filter:blur(60px); opacity:.5; }
.hero-grid-lines{ position:absolute; inset:0; opacity:.5;
  background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);
  background-size:64px 64px; mask-image:radial-gradient(ellipse 80% 70% at 70% 30%,#000,transparent);
}

/* ===================== STATS ===================== */
.statbar{ display:grid; grid-template-columns:repeat(4,1fr); gap:1px; background:var(--line); border:1px solid var(--line); border-radius:var(--radius); overflow:hidden; }
.statbar .stat{ background:var(--cream); padding:clamp(20px,2.4vw,30px); }
.tone-green .statbar{ background:rgba(255,255,255,.1); border-color:rgba(255,255,255,.12); }
.tone-green .statbar .stat{ background:var(--green-900); }
.stat .num{ font-family:'Spectral',serif; font-size:clamp(2.1rem,3.6vw,2.9rem); font-weight:600; color:var(--green-800); line-height:1; }
.tone-green .stat .num{ color:var(--gold-soft); }
.stat .lbl{ font-size:.86rem; color:var(--ink-3); margin-top:8px; font-weight:500; }
.tone-green .stat .lbl{ color:var(--ink-on-green-2); }
@media(max-width:680px){ .statbar{ grid-template-columns:repeat(2,1fr); } }

/* ===================== FOOTER ===================== */
.site-footer{ background:var(--green-950); color:var(--ink-on-green-2); padding-top:clamp(56px,7vw,90px); }
.site-footer h4{ color:var(--cream); font-family:'Hanken Grotesk',sans-serif; font-size:.78rem; letter-spacing:.18em; text-transform:uppercase; font-weight:700; margin-bottom:18px; }
.site-footer a{ color:var(--ink-on-green-2); transition:color .2s; }
.site-footer a:hover{ color:var(--gold-soft); }
.footer-grid{ display:grid; grid-template-columns:1.6fr 1fr 1fr 1.4fr; gap:clamp(28px,4vw,56px); }
@media(max-width:880px){ .footer-grid{ grid-template-columns:1fr 1fr; gap:36px; } }
@media(max-width:520px){ .footer-grid{ grid-template-columns:1fr; } }
.footer-links{ display:flex; flex-direction:column; gap:11px; font-size:.95rem; }
.footer-brand img{ height:54px; background:var(--ivory); padding:8px 10px; border-radius:10px; }
.footer-disclaimer{ border-top:1px solid rgba(255,255,255,.1); margin-top:clamp(40px,5vw,64px); padding:28px 0 36px; font-size:.82rem; line-height:1.7; color:#8fa89a; }
.footer-bottom{ border-top:1px solid rgba(255,255,255,.1); padding:22px 0; display:flex; justify-content:space-between; align-items:center; gap:16px; flex-wrap:wrap; font-size:.85rem; }

/* compliance ribbon */
.risk-ribbon{ background:var(--green-950); color:#9fc0ac; font-size:.8rem; text-align:center; padding:9px 16px; letter-spacing:.01em; border-bottom:1px solid rgba(255,255,255,.06); }
.risk-ribbon b{ color:var(--gold-soft); }

/* ===================== PAGE HEAD (interior pages) ===================== */
.pagehead{ background:var(--green-900); color:var(--ink-on-green); padding-block:clamp(60px,8vw,104px); position:relative; overflow:hidden; }
.pagehead .container{ position:relative; z-index:2; }
.crumbs{ font-family:'Space Mono',monospace; font-size:.72rem; letter-spacing:.12em; color:var(--ink-on-green-2); display:flex; gap:.6em; align-items:center; margin-bottom:20px; }
.crumbs a:hover{ color:var(--gold-soft); }

/* ---- Reveal animation (only hides when JS is active, so no-JS = visible) ---- */
html.js .reveal{ opacity:0; transform:translateY(26px); transition:opacity .9s var(--ease), transform .9s var(--ease); }
html.js .reveal.in{ opacity:1; transform:none; }
.reveal.d1{ transition-delay:.08s; } .reveal.d2{ transition-delay:.16s; }
.reveal.d3{ transition-delay:.24s; } .reveal.d4{ transition-delay:.32s; }
.reveal.d5{ transition-delay:.40s; } .reveal.d6{ transition-delay:.48s; }
@media(prefers-reduced-motion:reduce){ html.js .reveal{ opacity:1; transform:none; transition:none; } html{ scroll-behavior:auto; } }

/* ---- Forms ---- */
.field{ display:flex; flex-direction:column; gap:7px; margin-bottom:18px; }
.field label{ font-size:.85rem; font-weight:600; color:var(--ink); }
.field input,.field select,.field textarea{
  font-family:inherit; font-size:1rem; color:var(--ink); background:var(--cream);
  border:1px solid var(--line); border-radius:12px; padding:.8em 1em; transition:border-color .2s, box-shadow .2s;
}
.field input:focus,.field select:focus,.field textarea:focus{ outline:none; border-color:var(--green-600); box-shadow:0 0 0 4px rgba(39,129,92,.12); }
.field textarea{ resize:vertical; min-height:120px; }

/* ---- Accordion (FAQ) ---- */
.acc{ border-bottom:1px solid var(--line); }
.acc-q{ width:100%; text-align:left; background:none; border:0; padding:24px 0; display:flex; align-items:flex-start; justify-content:space-between; gap:20px; font-family:'Spectral',serif; font-size:1.22rem; color:var(--ink); font-weight:500; }
.acc-q .ico{ flex:none; width:30px; height:30px; border-radius:50%; border:1px solid var(--line); display:grid; place-items:center; transition:.35s var(--ease); color:var(--green-700); margin-top:2px; }
.acc.open .acc-q .ico{ background:var(--green-900); color:var(--cream); border-color:var(--green-900); transform:rotate(45deg); }
.acc-a{ max-height:0; overflow:hidden; transition:max-height .45s var(--ease); }
.acc-a-inner{ padding-bottom:24px; color:var(--ink-2); max-width:68ch; }

/* utility */
.flex{ display:flex; } .items-center{ align-items:center; } .gap-sm{ gap:10px; } .gap-md{ gap:18px; }
.wrap{ flex-wrap:wrap; }
.mt-s{ margin-top:14px; } .mt-m{ margin-top:26px; } .mt-l{ margin-top:42px; }
.tag-list{ display:flex; flex-wrap:wrap; gap:10px; }
.legal-doc h2{ font-size:1.5rem; margin-top:42px; margin-bottom:12px; }
.legal-doc h3{ font-size:1.15rem; margin-top:28px; margin-bottom:8px; font-family:'Hanken Grotesk',sans-serif; font-weight:700; }
.legal-doc p,.legal-doc li{ color:var(--ink-2); margin-bottom:12px; }
.legal-doc ul,.legal-doc ol{ padding-left:22px; margin-bottom:12px; }
.legal-doc li{ margin-bottom:8px; }
.legal-toc a{ display:block; padding:8px 0; border-bottom:1px solid var(--line-soft); font-size:.95rem; color:var(--ink-2); }
.legal-toc a:hover{ color:var(--green-800); }

/* ---- Range sliders (calculators) ---- */
input[type=range]{
  -webkit-appearance:none; appearance:none; width:100%; height:7px; border-radius:100px;
  background:var(--sand); outline:none; cursor:pointer; margin:6px 0;
}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none; appearance:none; width:24px; height:24px; border-radius:50%;
  background:var(--cream); border:2px solid var(--green-800); box-shadow:var(--shadow-md);
  transition:transform .15s var(--ease);
}
input[type=range]::-webkit-slider-thumb:hover{ transform:scale(1.12); }
input[type=range]::-moz-range-thumb{
  width:22px; height:22px; border-radius:50%; background:var(--cream); border:2px solid var(--green-800); box-shadow:var(--shadow-md); cursor:pointer;
}
.slider-row{ margin-bottom:24px; }
.slider-head{ display:flex; justify-content:space-between; align-items:baseline; margin-bottom:2px; }
.slider-head label{ font-size:.92rem; font-weight:600; color:var(--ink); }
.slider-head .val{ font-family:'Space Mono',monospace; font-weight:700; color:var(--green-800); font-size:1.02rem; }

.calc-shell{ display:grid; grid-template-columns:1fr 1fr; gap:clamp(20px,2.6vw,40px); align-items:start; }
@media(max-width:860px){ .calc-shell{ grid-template-columns:1fr; } }
.calc-result{ background:linear-gradient(165deg,var(--green-800),var(--green-950)); color:var(--ink-on-green); border-radius:var(--radius); padding:clamp(26px,3vw,38px); box-shadow:var(--shadow-lg); }
.calc-result .big{ font-family:'Spectral',serif; font-size:clamp(2.4rem,5vw,3.4rem); font-weight:600; color:var(--cream); line-height:1; }
.calc-result .big-lbl{ font-size:.82rem; letter-spacing:.14em; text-transform:uppercase; color:var(--gold-soft); font-family:'Space Mono',monospace; }
.result-split{ display:grid; grid-template-columns:1fr 1fr; gap:14px; margin-top:26px; }
.result-split .cell{ background:rgba(255,255,255,.07); border:1px solid rgba(255,255,255,.12); border-radius:14px; padding:16px 18px; }
.result-split .cell .k{ font-size:.78rem; color:var(--ink-on-green-2); }
.result-split .cell .v{ font-family:'Space Mono',monospace; font-weight:700; font-size:1.18rem; color:var(--cream); margin-top:4px; }
.result-split .cell.gain .v{ color:var(--honey-soft); }

.chart-wrap{ margin-top:22px; }
.chart-wrap svg{ width:100%; height:auto; display:block; }
.legend{ display:flex; gap:20px; margin-top:12px; font-size:.84rem; color:var(--ink-on-green-2); }
.legend span{ display:inline-flex; align-items:center; gap:7px; }
.legend i{ width:14px; height:3px; border-radius:2px; display:inline-block; }

/* ---- Calculator suite (multi-tab) ---- */
.calc-tabs{
  display:flex; gap:6px; overflow-x:auto; padding:5px; margin-bottom:34px;
  background:var(--ivory-2); border:1px solid var(--line); border-radius:100px;
  scrollbar-width:none; -ms-overflow-style:none;
}
.calc-tabs::-webkit-scrollbar{ display:none; }
.calc-tabs button{
  border:0; background:transparent; padding:.62em 1.25em; border-radius:100px;
  font-weight:600; font-size:.92rem; color:var(--ink-2); white-space:nowrap; flex:none;
  transition:color .25s, background .25s, transform .25s var(--ease);
}
.calc-tabs button:hover{ color:var(--green-800); }
.calc-tabs button.active{ background:var(--green-900); color:var(--cream); box-shadow:var(--shadow-sm); }
.calc-panel{ display:none; }
.calc-panel.active{ display:block; animation:calcIn .5s var(--ease); }
@keyframes calcIn{ from{ opacity:0; transform:translateY(10px); } to{ opacity:1; transform:none; } }
@media(max-width:560px){ .calc-tabs{ border-radius:18px; } }

/* animated chart line draw-in */
.calc-result .line-val{ stroke-dasharray:1400; stroke-dashoffset:0; }
.calc-panel.active .line-val{ animation:drawLine 1.1s var(--ease) both; }
@keyframes drawLine{ from{ stroke-dashoffset:1400; } to{ stroke-dashoffset:0; } }
.calc-result .area{ transition:opacity .6s var(--ease); }
@media(prefers-reduced-motion:reduce){ .calc-panel.active{ animation:none; } .calc-panel.active .line-val{ animation:none; } }

/* tabs */
.tabbar{ display:inline-flex; background:var(--ivory-2); border:1px solid var(--line); border-radius:100px; padding:5px; gap:4px; }

/* ---- Guided journey wizard ---- */
.jr-card{ background:var(--cream); border-radius:var(--radius-lg); padding:clamp(26px,4vw,46px); box-shadow:var(--shadow-lg); }
.jr-steps{ display:flex; align-items:center; gap:6px; margin-bottom:30px; }
.jr-tick{ display:flex; align-items:center; gap:9px; opacity:.5; transition:.3s; }
.jr-tick.on,.jr-tick.done{ opacity:1; }
.jr-num{ width:30px; height:30px; border-radius:50%; display:grid; place-items:center; background:var(--ivory-2); border:1.5px solid var(--line); font-family:'Space Mono',monospace; font-weight:700; font-size:.85rem; color:var(--ink-3); flex:none; transition:.3s; }
.jr-tick.on .jr-num{ background:var(--green-900); border-color:var(--green-900); color:var(--cream); }
.jr-tick.done .jr-num{ background:var(--green-500); border-color:var(--green-500); color:var(--cream); }
.jr-lbl{ font-size:.86rem; font-weight:600; color:var(--ink-2); white-space:nowrap; }
.jr-line{ flex:1; height:1.5px; background:var(--line); min-width:8px; }
@media(max-width:620px){ .jr-lbl{ display:none; } }
.jr-anim{ animation:rqIn .4s var(--ease); }
.jr-q{ font-size:clamp(1.4rem,2.6vw,2rem); }
.jr-sub{ color:var(--ink-3); margin-top:10px; }
.jr-goals{ display:grid; grid-template-columns:repeat(3,1fr); gap:12px; margin-top:24px; }
@media(max-width:620px){ .jr-goals{ grid-template-columns:repeat(2,1fr); } }
.jr-goal{ display:flex; flex-direction:column; align-items:flex-start; gap:12px; background:var(--ivory); border:1.5px solid var(--line); border-radius:16px; padding:18px; text-align:left; transition:.2s var(--ease); }
.jr-goal svg{ width:28px; height:28px; color:var(--green-700); }
.jr-goal span{ font-weight:600; color:var(--ink); font-size:.98rem; }
.jr-goal:hover{ border-color:var(--green-500); transform:translateY(-3px); box-shadow:var(--shadow-md); }
.jr-goal.sel{ border-color:var(--green-900); background:var(--green-300); }
.jr-bigval{ font-family:'Spectral',serif; font-size:clamp(2.2rem,5vw,3.2rem); font-weight:600; color:var(--green-800); margin:28px 0 6px; }
.jr-scale{ display:flex; justify-content:space-between; font-family:'Space Mono',monospace; font-size:.74rem; color:var(--ink-3); margin-top:6px; }
.jr-proj{ background:linear-gradient(165deg,var(--green-800),var(--green-950)); color:var(--ink-on-green); border-radius:18px; padding:24px; margin-top:28px; text-align:center; }
.jr-proj-row span{ font-size:.92rem; color:var(--ink-on-green-2); }
.jr-proj-val{ font-family:'Spectral',serif; font-size:clamp(2rem,4.5vw,2.8rem); font-weight:600; color:var(--honey-soft); margin-top:4px; }
.jr-proj-note{ font-size:.76rem; color:var(--ink-on-green-2); margin-top:8px; }
.jr-summary{ display:flex; flex-wrap:wrap; gap:8px; margin:18px 0 22px; }
.jr-form{ display:grid; grid-template-columns:1fr 1fr; gap:0 18px; }
.jr-form .field:first-child{ grid-column:1/-1; }
@media(max-width:560px){ .jr-form{ grid-template-columns:1fr; } }
.jr-check{ grid-column:1/-1; display:flex; align-items:center; gap:10px; font-size:.92rem; color:var(--ink-2); font-weight:500; margin-top:4px; }
.jr-check input{ width:18px; height:18px; accent-color:var(--green-800); }
.jr-nav{ display:flex; justify-content:space-between; align-items:center; margin-top:30px; gap:14px; }
.jr-back{ background:none; border:0; color:var(--ink-3); font-weight:600; font-size:.95rem; }
.jr-back:hover:not([disabled]){ color:var(--green-800); }
.jr-back[disabled]{ opacity:.35; cursor:default; }
.jr-next{ background:var(--green-900); color:var(--cream); border:0; border-radius:100px; padding:.85em 1.7em; font-weight:600; font-size:1rem; transition:.3s var(--ease); box-shadow:var(--shadow-md); }
.jr-next:hover:not([disabled]){ background:var(--green-800); transform:translateY(-2px); }
.jr-next[disabled]{ opacity:.4; cursor:default; }
.jr-foot{ font-size:.74rem; color:var(--ink-3); margin-top:24px; padding-top:18px; border-top:1px solid var(--line-soft); line-height:1.5; }
.jr-check-big{ width:62px; height:62px; border-radius:50%; background:var(--green-500); color:var(--cream); display:grid; place-items:center; margin:0 auto; animation:pop .5s var(--ease) both; }
.jr-check-big svg{ width:32px; height:32px; }
@keyframes pop{ 0%{ transform:scale(0); } 70%{ transform:scale(1.12); } 100%{ transform:scale(1); } }
.jr-plan{ background:var(--ivory-2); border-radius:18px; padding:8px 22px; margin:26px auto 0; max-width:440px; }
.jr-plan-row{ display:flex; justify-content:space-between; padding:14px 0; border-bottom:1px solid var(--line); font-size:.96rem; }
.jr-plan-row:last-child{ border-bottom:0; }
.jr-plan-row span{ color:var(--ink-2); }
.jr-plan-row strong{ color:var(--ink); }
.jr-plan-row.hl strong{ color:var(--green-700); font-family:'Spectral',serif; font-size:1.2rem; }
.jr-actions{ display:flex; gap:12px; justify-content:center; flex-wrap:wrap; margin-top:26px; }

/* ---- Fund-category explorer ---- */
.fx-grid{ display:grid; grid-template-columns:1fr 1fr; gap:clamp(24px,3vw,44px); align-items:start; }
@media(max-width:860px){ .fx-grid{ grid-template-columns:1fr; } }
.fx-group{ margin-bottom:24px; }
.fx-label{ font-size:.92rem; font-weight:600; color:var(--ink); margin-bottom:10px; }
.fx-opts{ display:flex; flex-wrap:wrap; gap:8px; }
.fx-opt{ background:var(--cream); border:1.5px solid var(--line); border-radius:100px; padding:.6em 1.15em; font-weight:600; font-size:.92rem; color:var(--ink-2); white-space:nowrap; transition:.2s var(--ease); }
.fx-opt:hover{ border-color:var(--green-500); color:var(--green-800); }
.fx-opt.active{ background:var(--green-900); border-color:var(--green-900); color:var(--cream); }
.fx-card{ background:linear-gradient(165deg,var(--green-800),var(--green-950)); color:var(--ink-on-green); border-radius:var(--radius-lg); padding:clamp(26px,3vw,38px); box-shadow:var(--shadow-lg); }
.fx-anim{ animation:rqIn .4s var(--ease); }
.fx-eyebrow{ font-family:'Space Mono',monospace; font-size:.7rem; letter-spacing:.16em; text-transform:uppercase; color:var(--gold-soft); }
.fx-name{ color:var(--cream); margin-top:10px; }
.fx-tags{ display:flex; flex-wrap:wrap; gap:8px; margin-top:14px; }
.fx-meter{ height:10px; border-radius:100px; background:rgba(255,255,255,.12); margin-top:22px; overflow:hidden; }
.fx-meter-fill{ height:100%; border-radius:100px; transition:width .8s var(--ease); }
.fx-meter-labels{ display:flex; justify-content:space-between; margin-top:8px; font-size:.74rem; color:var(--ink-on-green-2); }
.fx-desc{ color:var(--ink-on-green-2); margin-top:18px; font-size:1.02rem; line-height:1.6; }
.fx-card .btn{ margin-top:22px; }

/* ---- Risk profiler quiz ---- */
.rq-card{ background:var(--cream); border-radius:var(--radius-lg); padding:clamp(28px,4vw,46px); box-shadow:var(--shadow-lg); color:var(--ink); }
.rq-anim{ animation:rqIn .42s var(--ease); }
@keyframes rqIn{ from{ opacity:0; transform:translateY(14px); } to{ opacity:1; transform:none; } }
.rq-prog{ height:6px; border-radius:100px; background:var(--sand); overflow:hidden; }
.rq-prog-bar{ height:100%; border-radius:100px; background:linear-gradient(90deg,var(--green-600),var(--gold)); transition:width .5s var(--ease); }
.rq-step{ font-family:'Space Mono',monospace; font-size:.72rem; letter-spacing:.14em; text-transform:uppercase; color:var(--ink-3); margin-top:12px; }
.rq-q{ font-size:clamp(1.4rem,2.6vw,2rem); margin-top:14px; margin-bottom:26px; color:var(--ink); }
.rq-opts{ display:grid; gap:12px; }
.rq-opt{ display:flex; align-items:center; gap:14px; text-align:left; background:var(--ivory); border:1.5px solid var(--line); border-radius:16px; padding:16px 20px; font-size:1.02rem; font-weight:500; color:var(--ink); transition:border-color .2s, background .2s, transform .2s var(--ease); }
.rq-opt:hover{ border-color:var(--green-500); background:var(--cream); transform:translateX(3px); }
.rq-opt .rq-dot{ width:20px; height:20px; border-radius:50%; border:2px solid var(--line); flex:none; transition:.2s; position:relative; }
.rq-opt:hover .rq-dot{ border-color:var(--green-600); }
.rq-opt.sel{ border-color:var(--green-700); background:var(--green-300); }
.rq-opt.sel .rq-dot{ border-color:var(--green-900); background:var(--green-900); }
.rq-opt.sel .rq-dot::after{ content:""; position:absolute; inset:4px; border-radius:50%; background:var(--gold-soft); }
.rq-nav{ margin-top:22px; }
.rq-back{ background:none; border:0; color:var(--ink-3); font-weight:600; font-size:.92rem; padding:6px 0; }
.rq-back:hover:not([disabled]){ color:var(--green-800); }
.rq-back[disabled]{ opacity:.35; cursor:default; }
/* result */
.rq-result-name{ font-size:clamp(2rem,4vw,3rem); text-align:center; color:var(--green-800); margin-top:8px; }
.rq-gauge{ margin:28px auto 6px; max-width:460px; }
.rq-gauge-track{ position:relative; height:12px; border-radius:100px; background:linear-gradient(90deg,var(--green-300),#e7d3a4,var(--gold)); }
.rq-gauge-fill{ position:absolute; left:0; top:0; bottom:0; border-radius:100px; background:rgba(12,58,41,.12); transition:width 1s var(--ease); }
.rq-gauge-pin{ position:absolute; top:50%; width:26px; height:26px; border-radius:50%; background:var(--cream); border:3px solid var(--green-900); box-shadow:var(--shadow-md); transform:translate(-50%,-50%); transition:left 1s var(--ease); }
.rq-gauge-labels{ display:flex; justify-content:space-between; margin-top:12px; font-family:'Space Mono',monospace; font-size:.7rem; letter-spacing:.1em; text-transform:uppercase; color:var(--ink-3); }
.rq-desc{ text-align:center; font-size:1.1rem; color:var(--ink-2); max-width:56ch; margin:22px auto 0; }
.rq-disc{ background:var(--ivory-2); border-radius:14px; padding:16px 20px; font-size:.86rem; color:var(--ink-3); margin-top:24px; line-height:1.6; }
.rq-disc strong{ color:var(--ink); }
.rq-actions{ display:flex; flex-wrap:wrap; gap:12px; justify-content:center; align-items:center; margin-top:26px; }
.rq-restart{ background:none; border:0; color:var(--ink-3); font-weight:600; font-size:.92rem; text-decoration:underline; }
.rq-restart:hover{ color:var(--green-800); }
.tabbar [data-tab]{ border:0; background:transparent; padding:.6em 1.3em; border-radius:100px; font-weight:600; font-size:.95rem; color:var(--ink-2); transition:.25s; }
.tabbar [data-tab].active{ background:var(--green-900); color:var(--cream); box-shadow:var(--shadow-sm); }
[data-panel]{ display:none; } [data-panel].active{ display:block; }

/* feature list with ticks */
.ticks{ list-style:none; display:flex; flex-direction:column; gap:13px; }
.ticks li{ position:relative; padding-left:34px; color:var(--ink-2); }
.ticks li::before{ content:""; position:absolute; left:0; top:1px; width:22px; height:22px; border-radius:50%;
  background:var(--green-300) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%230c3a29' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/12px no-repeat; }
.tone-green .ticks li{ color:var(--ink-on-green-2); }

/* "Don't" list with cross marks */
.xlist{ list-style:none; display:flex; flex-direction:column; gap:14px; }
.xlist li{ position:relative; padding-left:34px; color:var(--ink-2); }
.xlist li::before{ content:""; position:absolute; left:0; top:1px; width:22px; height:22px; border-radius:50%;
  background:#f0ddd0 url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%239a4a22' stroke-width='3.2' stroke-linecap='round'%3E%3Cpath d='M18 6 6 18M6 6l12 12'/%3E%3C/svg%3E") center/11px no-repeat; }

/* complaints table */
.ctable{ width:100%; border-collapse:collapse; font-size:.92rem; min-width:620px; }
.ctable th,.ctable td{ text-align:center; padding:12px 10px; border-bottom:1px solid var(--line); }
.ctable th{ font-family:'Hanken Grotesk',sans-serif; font-weight:700; font-size:.8rem; color:var(--ink); background:var(--ivory-2); }
.ctable td:first-child,.ctable th:first-child{ text-align:left; }
.ctable .ctotal td{ font-weight:700; color:var(--ink); background:var(--ivory-2); border-bottom:0; }

/* image placeholder */
.ph{ position:relative; border-radius:var(--radius); overflow:hidden; background:var(--ivory-2);
  background-image:repeating-linear-gradient(135deg,var(--line-soft) 0 2px,transparent 2px 12px);
  border:1px solid var(--line); display:grid; place-items:center; min-height:220px; }
.ph span{ font-family:'Space Mono',monospace; font-size:.74rem; letter-spacing:.08em; color:var(--ink-3); background:var(--cream); padding:6px 12px; border-radius:100px; border:1px solid var(--line); }

/* portrait placeholder (people) */
.portrait{ aspect-ratio:4/5; border-radius:var(--radius); overflow:hidden; position:relative;
  background:linear-gradient(165deg,var(--green-700),var(--green-950)); display:grid; place-items:center; }
.portrait .mono{ font-family:'Space Mono',monospace; font-size:.7rem; letter-spacing:.1em; color:var(--ink-on-green-2); position:absolute; bottom:14px; left:14px; }
.portrait .initial{ font-family:'Spectral',serif; font-size:4.4rem; color:rgba(255,255,255,.16); font-weight:600; }

/* quote / testimonial */
.quote{ font-family:'Spectral',serif; font-size:clamp(1.3rem,2.4vw,1.9rem); line-height:1.4; color:var(--ink); font-weight:400; }
.tone-green .quote{ color:var(--cream); }
.avatar{ width:48px; height:48px; border-radius:50%; background:linear-gradient(160deg,var(--green-600),var(--green-900)); color:var(--cream); display:grid; place-items:center; font-weight:700; font-family:'Spectral',serif; flex:none; }

/* timeline */
.tline{ position:relative; padding-left:30px; }
.tline::before{ content:""; position:absolute; left:7px; top:6px; bottom:6px; width:2px; background:var(--line); }
.tline .ev{ position:relative; padding-bottom:34px; }
.tline .ev::before{ content:""; position:absolute; left:-30px; top:5px; width:16px; height:16px; border-radius:50%; background:var(--cream); border:3px solid var(--green-700); }
.tline .ev .yr{ font-family:'Space Mono',monospace; font-weight:700; color:var(--gold); font-size:.85rem; letter-spacing:.05em; }
.tone-green .tline::before{ background:rgba(255,255,255,.16); }
.tone-green .tline .ev::before{ background:var(--green-900); border-color:var(--gold-soft); }

/* pill badge row */
.kbar{ display:flex; flex-wrap:wrap; gap:10px; }

/* marquee logos row */
.logos{ display:flex; flex-wrap:wrap; gap:14px 30px; align-items:center; }
.logos .lg{ font-family:'Spectral',serif; font-weight:600; font-size:1.15rem; color:var(--ink-3); opacity:.8; }

/* ===================== CHATBOT ===================== */
.cb-launch{
  position:fixed; right:22px; bottom:22px; z-index:80;
  display:flex; align-items:center; gap:10px; padding:13px 18px 13px 14px;
  background:var(--green-900); color:var(--cream); border:0; border-radius:100px;
  box-shadow:0 14px 34px -12px rgba(8,35,25,.6); font-weight:600; font-size:.95rem;
  transition:transform .3s var(--ease), box-shadow .3s var(--ease);
}
.cb-launch:hover{ transform:translateY(-2px); box-shadow:0 20px 44px -14px rgba(8,35,25,.7); }
.cb-launch .dot{ width:36px; height:36px; border-radius:50%; background:var(--gold); color:#241a05; display:grid; place-items:center; flex:none; }
.cb-launch .dot svg{ width:20px; height:20px; }
.cb-launch.hide{ transform:scale(.6) translateY(20px); opacity:0; pointer-events:none; }
@media(max-width:520px){ .cb-launch span.lbl{ display:none; } .cb-launch{ padding:12px; } }

.cb-panel{
  position:fixed; right:22px; bottom:22px; z-index:81; width:min(400px,calc(100vw - 32px));
  height:min(620px,calc(100vh - 40px)); background:var(--ivory); border-radius:22px;
  box-shadow:0 40px 80px -30px rgba(8,35,25,.7); display:flex; flex-direction:column;
  overflow:hidden; opacity:0; transform:translateY(16px) scale(.98); pointer-events:none;
  transition:opacity .3s var(--ease), transform .3s var(--ease); border:1px solid var(--line);
}
.cb-panel.open{ opacity:1; transform:none; pointer-events:auto; }
.cb-head{ background:linear-gradient(160deg,var(--green-800),var(--green-950)); color:var(--cream); padding:16px 18px; display:flex; align-items:center; gap:12px; flex:none; }
.cb-head .ava{ width:40px; height:40px; border-radius:50%; background:var(--gold); color:#241a05; display:grid; place-items:center; flex:none; font-family:'Spectral',serif; font-weight:700; }
.cb-head .ttl{ line-height:1.15; flex:1; }
.cb-head .ttl b{ font-family:'Spectral',serif; font-weight:600; font-size:1.05rem; }
.cb-head .ttl span{ display:block; font-size:.74rem; color:var(--ink-on-green-2); margin-top:2px; }
.cb-head .x{ background:rgba(255,255,255,.12); border:0; color:var(--cream); width:32px; height:32px; border-radius:50%; display:grid; place-items:center; flex:none; transition:background .2s; }
.cb-head .x:hover{ background:rgba(255,255,255,.24); }
.cb-body{ flex:1; overflow-y:auto; padding:18px; display:flex; flex-direction:column; gap:12px; scroll-behavior:smooth; }
.cb-msg{ max-width:84%; padding:11px 14px; border-radius:16px; font-size:.93rem; line-height:1.5; }
.cb-msg.bot{ background:var(--cream); border:1px solid var(--line-soft); color:var(--ink); align-self:flex-start; border-bottom-left-radius:5px; }
.cb-msg.user{ background:var(--green-800); color:var(--cream); align-self:flex-end; border-bottom-right-radius:5px; }
.cb-msg.bot strong{ color:var(--green-800); }
.cb-msg a{ color:var(--green-700); font-weight:600; text-decoration:underline; }
.cb-typing{ display:inline-flex; gap:4px; align-items:center; }
.cb-typing i{ width:7px; height:7px; border-radius:50%; background:var(--green-300); animation:cbb 1s infinite; }
.cb-typing i:nth-child(2){ animation-delay:.15s; } .cb-typing i:nth-child(3){ animation-delay:.3s; }
@keyframes cbb{ 0%,60%,100%{ transform:translateY(0); opacity:.5; } 30%{ transform:translateY(-5px); opacity:1; } }
.cb-chips{ display:flex; flex-wrap:wrap; gap:8px; padding:0 18px 10px; flex:none; }
.cb-chips button{ background:var(--cream); border:1px solid var(--line); color:var(--ink-2); border-radius:100px; padding:7px 13px; font-size:.82rem; font-weight:500; transition:.2s; }
.cb-chips button:hover{ border-color:var(--green-600); color:var(--green-800); }
.cb-input{ display:flex; gap:8px; padding:12px; border-top:1px solid var(--line); background:var(--cream); flex:none; }
.cb-input input{ flex:1; border:1px solid var(--line); border-radius:100px; padding:11px 16px; font-family:inherit; font-size:.92rem; background:var(--ivory); color:var(--ink); }
.cb-input input:focus{ outline:none; border-color:var(--green-600); box-shadow:0 0 0 3px rgba(39,129,92,.12); }
.cb-input button{ width:44px; height:44px; border-radius:50%; background:var(--green-900); color:var(--cream); border:0; display:grid; place-items:center; flex:none; transition:background .2s; }
.cb-input button:hover{ background:var(--green-800); }
.cb-input button svg{ width:18px; height:18px; }
.cb-foot{ font-size:.7rem; color:var(--ink-3); text-align:center; padding:7px 12px; background:var(--ivory-2); flex:none; line-height:1.4; }
@media(max-width:520px){ .cb-panel{ right:0; bottom:0; width:100vw; height:100vh; border-radius:0; border:0; } }

/* ===================== TWEAKS PANEL ===================== */
.tw-panel{ position:fixed; left:22px; bottom:22px; z-index:90; width:300px; max-width:calc(100vw - 32px);
  background:var(--cream); border:1px solid var(--line); border-radius:18px; box-shadow:var(--shadow-lg);
  padding:18px 18px 16px; display:none; }
.tw-panel.open{ display:block; animation:rqIn .3s var(--ease); }
.tw-head{ display:flex; align-items:center; justify-content:space-between; margin-bottom:16px; }
.tw-head b{ font-family:'Spectral',serif; font-weight:600; font-size:1.18rem; color:var(--ink); }
.tw-x{ width:28px; height:28px; border:0; border-radius:8px; background:var(--ivory-2); color:var(--ink-2); font-size:1.15rem; line-height:1; display:grid; place-items:center; }
.tw-x:hover{ background:var(--sand); }
.tw-group{ margin-bottom:16px; }
.tw-group:last-of-type{ margin-bottom:8px; }
.tw-label{ font-family:'Space Mono',monospace; font-size:.68rem; font-weight:700; letter-spacing:.12em; text-transform:uppercase; color:var(--ink-3); margin-bottom:9px; }
.tw-sws{ display:flex; gap:10px; }
.tw-sw{ width:36px; height:36px; border-radius:50%; border:2px solid transparent; cursor:pointer; box-shadow:var(--shadow-sm); transition:transform .2s var(--ease); position:relative; }
.tw-sw:hover{ transform:scale(1.08); }
.tw-sw.on{ border-color:var(--ink); }
.tw-sw.on::after{ content:""; position:absolute; inset:-6px; border:1.5px solid var(--line); border-radius:50%; }
.tw-seg{ display:flex; gap:6px; }
.tw-seg button{ flex:1; border:1.5px solid var(--line); background:var(--ivory); border-radius:10px; padding:.55em .5em; font-family:inherit; font-weight:600; font-size:.86rem; color:var(--ink-2); transition:.2s; }
.tw-seg button.on{ background:var(--green-900); color:var(--cream); border-color:var(--green-900); }
.tw-foot{ font-size:.7rem; color:var(--ink-3); margin-top:10px; padding-top:12px; border-top:1px solid var(--line-soft); }

html.no-anim .reveal{ opacity:1 !important; transform:none !important; transition:none !important; }
html.no-anim .calc-panel.active,
html.no-anim .jr-anim, html.no-anim .rq-anim, html.no-anim .fx-anim,
html.no-anim .jr-check-big{ animation:none !important; }
html.no-anim *{ animation-duration:.001ms !important; transition-duration:.08s !important; }