/* MoneyBrief — Design System
   Navy #1A3D5F · Gold #C99A2E · Cream #FAFAFA · Ink #1A1A1A
   Inter body, left-aligned, 680px content max, mobile-first. */

:root {
  --navy: #1A3D5F;
  --navy-soft: #2A4D6F;
  --gold: #C99A2E;
  --gold-dark: #A87F22;
  --cream: #FAFAFA;
  --ink: #1A1A1A;
  --muted: #5B6470;
  --line: #E5E7EB;
  --box: #F4F1E8;
  --danger: #B91C1C;
  --ok: #0F5132;

  --content: 680px;
  --wide: 1120px;
  --radius: 6px;
  --shadow: 0 1px 2px rgba(26,61,95,0.06), 0 8px 24px rgba(26,61,95,0.06);
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
  font-feature-settings: 'ss01', 'cv11';
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy); text-decoration: underline; text-underline-offset: 3px; text-decoration-color: var(--gold); text-decoration-thickness: 1.5px; }
a:hover { color: var(--gold-dark); }

h1, h2, h3, h4 { font-family: inherit; color: var(--navy); letter-spacing: -0.01em; margin: 0 0 0.5em; line-height: 1.2; }
h1 { font-size: clamp(1.9rem, 4vw + 1rem, 3rem); font-weight: 800; }
h2 { font-size: clamp(1.4rem, 2vw + 1rem, 2rem); font-weight: 700; margin-top: 2em; }
h3 { font-size: 1.2rem; font-weight: 700; margin-top: 1.8em; }
p { margin: 0 0 1em; }

/* Layout */
.wrap { max-width: var(--wide); margin: 0 auto; padding: 0 20px; }
.content { max-width: var(--content); margin: 0 auto; padding: 0 20px; }
section { padding: 64px 0; }
section + section { border-top: 1px solid var(--line); }

/* Header */
.site-header {
  background: var(--navy);
  border-bottom: 3px solid var(--gold);
}
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; padding-top: 16px; padding-bottom: 16px; gap: 20px; flex-wrap: wrap; }
.site-header a { color: #fff; text-decoration: none; }
.site-header .wordmark { height: 36px; width: auto; }
.nav { display: flex; gap: 22px; flex-wrap: wrap; font-size: 15px; }
.nav a { opacity: 0.88; }
.nav a:hover { opacity: 1; color: var(--gold); }
.nav .cta { background: var(--gold); color: var(--navy); padding: 8px 14px; border-radius: var(--radius); font-weight: 700; }
.nav .cta:hover { background: #fff; color: var(--navy); }

/* Hero */
.hero { background: var(--navy); color: #fff; padding: 80px 0 72px; }
.hero h1 { color: #fff; max-width: 18ch; }
.hero h1 .accent { color: var(--gold); }
.hero .kicker { text-transform: uppercase; letter-spacing: 0.14em; font-size: 12px; color: var(--gold); font-weight: 700; margin-bottom: 12px; }
.hero p.lede { font-size: 1.25rem; color: #D9DDE3; max-width: 60ch; margin: 18px 0 28px; }
.hero .proof { display: flex; gap: 28px; flex-wrap: wrap; color: #9BA6B5; font-size: 14px; margin-top: 28px; }
.hero .proof b { color: #fff; }

/* Buttons */
.btn {
  display: inline-block;
  padding: 14px 22px;
  border-radius: var(--radius);
  font-weight: 700;
  text-decoration: none;
  border: none;
  cursor: pointer;
  font-size: 16px;
  line-height: 1;
  transition: transform 0.05s, background 0.12s;
}
.btn:active { transform: translateY(1px); }
.btn-gold { background: var(--gold); color: var(--navy); }
.btn-gold:hover { background: #DDB04C; color: var(--navy); }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-soft); color: #fff; }
.btn-outline { background: transparent; color: var(--navy); border: 2px solid var(--navy); padding: 12px 20px; }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-ghost { background: transparent; color: #fff; border: 1px solid rgba(255,255,255,0.25); }
.btn-ghost:hover { background: rgba(255,255,255,0.08); color: var(--gold); }

/* Forms */
form.stacked { display: grid; gap: 14px; max-width: 520px; }
form.stacked label { font-size: 14px; font-weight: 600; color: var(--navy); }
form.stacked .hint { font-size: 13px; color: var(--muted); font-weight: 400; margin-top: -8px; }
input[type=text], input[type=email], input[type=number], input[type=tel], select, textarea {
  font: inherit;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  color: var(--ink);
  width: 100%;
}
input:focus, select:focus, textarea:focus { outline: 2px solid var(--gold); outline-offset: 1px; border-color: var(--gold); }
.inline-form { display: flex; gap: 8px; flex-wrap: wrap; max-width: 520px; }
.inline-form input { flex: 1 1 220px; }
.form-note { font-size: 13px; color: var(--muted); margin-top: 8px; }
.form-status { font-size: 14px; margin-top: 10px; padding: 10px 12px; border-radius: var(--radius); display: none; }
.form-status.ok { display: block; background: #ECF7EF; color: var(--ok); border: 1px solid #BEE2C7; }
.form-status.err { display: block; background: #FEF2F2; color: var(--danger); border: 1px solid #FECACA; }

/* Do This box — signature visual */
.dothis {
  background: var(--box);
  border: 1.5px solid var(--navy);
  border-left: 6px solid var(--gold);
  padding: 22px 24px;
  border-radius: var(--radius);
  margin: 28px 0;
}
.dothis h3, .dothis .title {
  margin: 0 0 10px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  font-size: 14px;
  color: var(--navy);
}
.dothis ul { margin: 8px 0 0; padding-left: 18px; }
.dothis li { margin-bottom: 6px; }
.dothis .meta { display: grid; gap: 4px; margin: 12px 0; font-size: 15px; }
.dothis .disclaimer { font-size: 12px; color: var(--muted); margin-top: 14px; font-style: italic; }

/* Cards */
.grid { display: grid; gap: 20px; }
.grid-2 { grid-template-columns: 1fr; }
.grid-3 { grid-template-columns: 1fr; }
@media (min-width: 720px) { .grid-2 { grid-template-columns: 1fr 1fr; } }
@media (min-width: 960px) { .grid-3 { grid-template-columns: repeat(3, 1fr); } }

.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px 22px 20px;
  text-decoration: none;
  color: var(--ink);
  display: block;
  transition: border-color 0.12s, transform 0.08s;
}
a.card:hover { border-color: var(--gold); transform: translateY(-2px); }
.card .eyebrow { font-size: 12px; letter-spacing: 0.12em; text-transform: uppercase; color: var(--gold-dark); font-weight: 700; margin-bottom: 6px; }
.card h3 { margin-top: 4px; }
.card p { color: var(--muted); font-size: 15px; }
.card .link { color: var(--navy); font-weight: 700; text-decoration: none; border-bottom: 2px solid var(--gold); }

/* Numbers strip */
.numbers {
  font-variant-numeric: tabular-nums;
  display: grid;
  gap: 10px;
  margin: 20px 0;
  padding: 18px 20px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
}
.numbers .row { display: grid; grid-template-columns: 120px 1fr auto; gap: 14px; align-items: baseline; }
.numbers .n { font-weight: 800; color: var(--navy); font-size: 1.15rem; }
.numbers .src { font-size: 12px; color: var(--muted); }

/* Pricing */
.tiers { display: grid; gap: 20px; grid-template-columns: 1fr; }
@media (min-width: 820px) { .tiers { grid-template-columns: repeat(3, 1fr); } }
.tier {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px;
  position: relative;
}
.tier.featured { border: 2px solid var(--gold); box-shadow: var(--shadow); }
.tier .badge { position: absolute; top: -12px; left: 22px; background: var(--gold); color: var(--navy); font-size: 11px; letter-spacing: 0.12em; text-transform: uppercase; font-weight: 800; padding: 4px 10px; border-radius: 999px; }
.tier h3 { margin-top: 0; }
.tier .price { font-size: 2rem; color: var(--navy); font-weight: 800; margin: 10px 0 4px; }
.tier .price small { font-size: 0.85rem; font-weight: 500; color: var(--muted); }
.tier ul { padding-left: 18px; margin: 14px 0 20px; }
.tier li { margin-bottom: 6px; font-size: 15px; }
.tier .btn { width: 100%; text-align: center; }

/* Byline + footer */
.byline { color: var(--muted); font-style: italic; margin-top: 48px; padding-top: 24px; border-top: 1px solid var(--line); }
.site-footer { background: var(--navy); color: #9BA6B5; padding: 48px 0 36px; font-size: 14px; }
.site-footer a { color: #E5E7EB; text-decoration: none; border-bottom: 1px dotted #4B5563; }
.site-footer a:hover { color: var(--gold); border-color: var(--gold); }
.site-footer .cols { display: grid; grid-template-columns: 1fr; gap: 28px; margin-bottom: 28px; }
@media (min-width: 720px) { .site-footer .cols { grid-template-columns: 2fr 1fr 1fr 1fr; } }
.site-footer h4 { color: #fff; font-size: 13px; letter-spacing: 0.12em; text-transform: uppercase; margin-bottom: 12px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 8px; }
.site-footer .legal { border-top: 1px solid #1F2D42; padding-top: 20px; color: #6B7485; font-size: 12px; line-height: 1.7; }

/* Utility */
.eyebrow { font-size: 12px; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gold-dark); font-weight: 700; }
.muted { color: var(--muted); }
.center { text-align: center; }
.mt-0 { margin-top: 0; }
.mt-1 { margin-top: 12px; }
.mt-2 { margin-top: 24px; }
.mt-3 { margin-top: 36px; }
.mt-4 { margin-top: 48px; }
.divider { height: 1px; background: var(--line); margin: 32px 0; border: none; }
.tag { display: inline-block; background: var(--box); color: var(--navy); font-size: 12px; padding: 3px 10px; border-radius: 999px; font-weight: 600; }

/* Calculator result */
.calc-result {
  background: var(--navy);
  color: #fff;
  padding: 24px;
  border-radius: var(--radius);
  margin-top: 24px;
  border-left: 6px solid var(--gold);
}
.calc-result .big { font-size: 2.4rem; font-weight: 800; color: var(--gold); font-variant-numeric: tabular-nums; }
.calc-result p { color: #D9DDE3; margin-bottom: 0; }
.calc-result .cta-row { margin-top: 18px; display: flex; gap: 10px; flex-wrap: wrap; }

/* Sign-off */
.signoff { font-style: italic; color: var(--muted); margin-top: 48px; padding-top: 24px; border-top: 1px solid var(--line); }

/* Print */
@media print { .site-header, .site-footer, .nav, .btn { display: none; } }