/* =============================================================
   Benefund — main stylesheet
   Single source of truth for the entire site's visual language.
   ============================================================= */

:root {
  /* Forest greens (institutional anchor) */
  --forest-900: #0F2A1D;
  --forest-800: #1A3D2C;
  --forest-700: #2D5640;
  --forest-600: #3F6B53;
  --forest-100: #E8EDE7;
  --forest-50:  #F2F5F0;

  /* Gold (warmth, accent) */
  --gold-700: #8A6D2A;
  --gold-600: #A8843A;
  --gold-500: #C29B4A;
  --gold-100: #F2E9D2;

  /* Cream surfaces */
  --cream:    #FAF7F0;
  --cream-2:  #F5F0E4;
  --paper:    #FEFCF7;

  /* Neutrals */
  --ink-900:  #1A1A1A;
  --ink-700:  #3D3D3B;
  --ink-500:  #6B6B68;
  --ink-300:  #B8B8B3;
  --ink-100:  #E8E6DF;

  /* Layout */
  --max: 1240px;
  --pad: clamp(1.25rem, 4vw, 2rem);

  /* Typography */
  --serif: 'Fraunces', Georgia, serif;
  --sans:  'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--sans);
  background: var(--cream);
  color: var(--ink-900);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  font-size: 17px;
  line-height: 1.6;
  overflow-x: hidden;
}

a { color: inherit; text-decoration: none; }

/* =============================================================
   TOP NAVIGATION
   ============================================================= */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 50;
  background: rgba(250, 247, 240, 0.85);
  backdrop-filter: saturate(180%) blur(20px);
  -webkit-backdrop-filter: saturate(180%) blur(20px);
  border-bottom: 1px solid transparent;
  transition: border-color 0.3s ease;
}
.nav.scrolled { border-bottom-color: rgba(15, 42, 29, 0.08); }
.nav-inner {
  max-width: var(--max);
  margin: 0 auto;
  padding: 1rem var(--pad);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
}
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--serif);
  font-size: 22px;
  font-weight: 500;
  color: var(--forest-900);
  letter-spacing: -0.01em;
  transition: opacity 0.2s ease;
}
.logo:hover { opacity: 0.75; }
.logo-mark { width: 28px; height: 28px; flex-shrink: 0; }
.nav-links {
  display: flex;
  gap: 2.25rem;
  list-style: none;
  font-size: 15px;
  font-weight: 400;
  color: var(--ink-700);
}
.nav-links a { transition: color 0.2s ease; }
.nav-links a:hover { color: var(--forest-900); }
.nav-actions { display: flex; align-items: center; gap: 1.25rem; }
.nav-signin { font-size: 15px; color: var(--ink-700); transition: color 0.2s; }
.nav-signin:hover { color: var(--forest-900); }
.nav-mobile-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  color: var(--ink-700);
}

/* =============================================================
   BUTTONS — used across all pages
   ============================================================= */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--sans);
  font-size: 15px;
  font-weight: 500;
  padding: 10px 22px;
  border-radius: 999px;
  border: none;
  cursor: pointer;
  transition: all 0.2s ease;
  white-space: nowrap;
  letter-spacing: 0.01em;
}
.btn-primary {
  background: var(--forest-900);
  color: var(--cream);
}
.btn-primary:hover {
  background: var(--forest-800);
  transform: translateY(-1px);
}
.btn-secondary {
  background: transparent;
  color: var(--forest-900);
  border: 1px solid rgba(15, 42, 29, 0.2);
}
.btn-secondary:hover {
  border-color: var(--forest-900);
  background: rgba(15, 42, 29, 0.03);
}
.btn-large { font-size: 16px; padding: 14px 28px; }

/* On dark backgrounds (forest) the buttons invert */
.on-dark .btn-primary {
  background: var(--cream);
  color: var(--forest-900);
}
.on-dark .btn-primary:hover { background: var(--paper); }
.on-dark .btn-secondary {
  color: var(--cream);
  border-color: rgba(250, 247, 240, 0.3);
}
.on-dark .btn-secondary:hover {
  border-color: var(--cream);
  background: rgba(250, 247, 240, 0.05);
}

/* =============================================================
   SECTION COMPONENTS — shared rhythm across pages
   ============================================================= */
.section-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  font-weight: 500;
  color: var(--gold-700);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
}
.section-eyebrow::before {
  content: '';
  width: 24px;
  height: 1px;
  background: var(--gold-600);
}
/* Eyebrow on dark sections */
.on-dark .section-eyebrow { color: var(--gold-500); }
.on-dark .section-eyebrow::before { background: var(--gold-500); }

/* Generic page hero used across most subpages */
.page-hero {
  padding: clamp(8rem, 15vh, 11rem) var(--pad) clamp(4rem, 8vh, 6rem);
  max-width: var(--max);
  margin: 0 auto;
}
.page-hero-headline {
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(2.5rem, 6vw, 4.5rem);
  line-height: 1.05;
  letter-spacing: -0.025em;
  color: var(--forest-900);
  margin-bottom: 1.5rem;
  max-width: 22ch;
}
.page-hero-headline em { font-style: italic; color: var(--gold-700); }
.page-hero-lede {
  font-size: clamp(1.1rem, 1.5vw, 1.3rem);
  line-height: 1.55;
  color: var(--ink-700);
  max-width: 40rem;
  margin-bottom: 2.5rem;
}

/* Generic section wrapper */
.section {
  padding: clamp(5rem, 10vh, 8rem) var(--pad);
  position: relative;
}
.section-cream { background: var(--cream); }
.section-paper { background: var(--paper); }
.section-cream-2 { background: var(--cream-2); }
.section-forest {
  background: var(--forest-900);
  color: var(--cream);
}
.section-forest h1, .section-forest h2, .section-forest h3 { color: var(--cream); }
.section-inner { max-width: var(--max); margin: 0 auto; }

/* Section header (eyebrow + headline + lede) */
.section-header { max-width: 44rem; margin-bottom: clamp(3rem, 6vh, 5rem); }
.section-headline {
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(2rem, 4.5vw, 3.5rem);
  line-height: 1.1;
  letter-spacing: -0.02em;
  color: var(--forest-900);
  margin-bottom: 1.5rem;
  max-width: 18ch;
}
.section-headline em { font-style: italic; color: var(--gold-700); }
.section-forest .section-headline,
.on-dark .section-headline,
.strategies .section-headline,
.regulatory .section-headline,
.dist-example .section-headline { color: var(--cream); }
.section-forest .section-headline em,
.on-dark .section-headline em,
.strategies .section-headline em,
.regulatory .section-headline em,
.dist-example .section-headline em { color: var(--gold-500); }
.section-lede {
  font-size: clamp(1.05rem, 1.4vw, 1.2rem);
  line-height: 1.55;
  color: var(--ink-700);
}
.section-forest .section-lede,
.on-dark .section-lede,
.strategies .section-lede,
.regulatory .section-lede,
.dist-example .section-lede { color: rgba(250, 247, 240, 0.88); }

/* Subtle entrance animation */
.fade-up {
  opacity: 0;
  transform: translateY(20px);
  animation: fadeUp 0.9s ease-out forwards;
}
.fade-up-1 { animation-delay: 0.1s; }
.fade-up-2 { animation-delay: 0.25s; }
.fade-up-3 { animation-delay: 0.4s; }
.fade-up-4 { animation-delay: 0.55s; }
@keyframes fadeUp { to { opacity: 1; transform: translateY(0); } }

/* =============================================================
   HOMEPAGE-SPECIFIC: HERO
   ============================================================= */
.hero {
  padding: clamp(7rem, 14vh, 10rem) var(--pad) clamp(4rem, 8vh, 6rem);
  max-width: var(--max);
  margin: 0 auto;
  position: relative;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: clamp(2rem, 6vw, 5rem);
  align-items: center;
  min-height: 70vh;
}
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  font-weight: 500;
  color: var(--gold-700);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
}
.hero-eyebrow::before {
  content: '';
  width: 24px;
  height: 1px;
  background: var(--gold-600);
}
.hero h1 {
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(2.75rem, 6.5vw, 5.25rem);
  line-height: 1.02;
  letter-spacing: -0.025em;
  color: var(--forest-900);
  margin-bottom: 1.75rem;
}
.hero h1 em {
  font-style: italic;
  font-variation-settings: "opsz" 144;
  color: var(--gold-700);
}
.hero-sub {
  font-size: clamp(1.05rem, 1.5vw, 1.25rem);
  line-height: 1.55;
  color: var(--ink-700);
  margin-bottom: 2.5rem;
  max-width: 32rem;
  font-weight: 400;
}
.hero-ctas {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
}
.hero-link {
  font-size: 15px;
  font-weight: 500;
  color: var(--forest-900);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: gap 0.2s ease;
}
.hero-link:hover { gap: 10px; }
.hero-link svg { width: 14px; height: 14px; }

.hero-visual {
  position: relative;
  aspect-ratio: 1 / 1;
  max-width: 540px;
  width: 100%;
  margin: 0 auto;
}
.hero-svg { width: 100%; height: 100%; overflow: visible; }

.loop-circle {
  fill: none;
  stroke: var(--forest-700);
  stroke-width: 1.5;
  stroke-dasharray: 6 8;
  opacity: 0.25;
  animation: rotate 60s linear infinite;
  transform-origin: center;
}
@keyframes rotate { to { transform: rotate(360deg); } }
.loop-node { transition: transform 0.3s ease; }
.loop-node:hover { transform: scale(1.05); transform-origin: center; }

.trust-strip {
  margin-top: clamp(3rem, 6vh, 5rem);
  padding-top: 2rem;
  border-top: 1px solid var(--ink-100);
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
}
.trust-item { display: flex; flex-direction: column; gap: 4px; }
.trust-label {
  font-size: 12px;
  font-weight: 500;
  color: var(--gold-700);
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.trust-value { font-size: 14px; color: var(--ink-700); line-height: 1.4; }

/* =============================================================
   HOMEPAGE-SPECIFIC: PROBLEM SECTION
   ============================================================= */
.problem {
  background: var(--paper);
  padding: clamp(6rem, 12vh, 9rem) var(--pad);
  position: relative;
  overflow: hidden;
}
.problem-inner { max-width: var(--max); margin: 0 auto; position: relative; }
.problem-headline {
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(2rem, 4.5vw, 3.5rem);
  line-height: 1.1;
  letter-spacing: -0.02em;
  color: var(--forest-900);
  max-width: 24ch;
  margin-bottom: 1.5rem;
}
.problem-headline em { font-style: italic; color: var(--gold-700); }
.problem-lede {
  font-size: clamp(1.05rem, 1.4vw, 1.2rem);
  line-height: 1.55;
  color: var(--ink-700);
  max-width: 48ch;
  margin-bottom: 5rem;
}

.contrast {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: clamp(1.5rem, 3vw, 3rem);
  align-items: stretch;
  margin-bottom: 5rem;
}
.contrast-col { display: flex; flex-direction: column; }
.contrast-label {
  font-size: 12px;
  font-weight: 500;
  color: var(--ink-500);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 1rem;
  padding-bottom: 0.75rem;
  border-bottom: 1px solid var(--ink-100);
}
.contrast-col.benefund .contrast-label {
  color: var(--gold-700);
  border-bottom-color: var(--gold-100);
}
.contrast-title {
  font-family: var(--serif);
  font-weight: 500;
  font-size: clamp(1.5rem, 2.5vw, 2rem);
  line-height: 1.15;
  letter-spacing: -0.015em;
  color: var(--forest-900);
  margin-bottom: 1rem;
}
.contrast-points { list-style: none; margin-top: 1.5rem; }
.contrast-points li {
  padding: 0.85rem 0;
  border-top: 1px solid var(--ink-100);
  font-size: 15px;
  line-height: 1.5;
  color: var(--ink-700);
  display: flex;
  align-items: flex-start;
  gap: 12px;
}
.contrast-points li:first-child { border-top: none; padding-top: 0; }
.contrast-icon {
  flex-shrink: 0;
  width: 16px;
  height: 16px;
  margin-top: 4px;
  opacity: 0.55;
}
.contrast-col.benefund .contrast-icon {
  opacity: 1;
  color: var(--forest-700);
}
.contrast-divider {
  width: 1px;
  background: var(--ink-100);
  align-self: stretch;
  position: relative;
}
.contrast-divider::before {
  content: 'vs';
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  background: var(--paper);
  padding: 0.5rem;
  font-family: var(--serif);
  font-style: italic;
  font-size: 14px;
  color: var(--ink-500);
}

.payoff {
  margin-top: 4rem;
  padding: clamp(2.5rem, 5vw, 4rem) clamp(2rem, 4vw, 3rem);
  background: var(--forest-900);
  color: var(--cream);
  border-radius: 24px;
  position: relative;
  overflow: hidden;
}
.payoff::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -100px;
  width: 400px;
  height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(194, 155, 74, 0.15) 0%, transparent 70%);
  pointer-events: none;
}
.payoff-quote {
  font-family: var(--serif);
  font-weight: 300;
  font-style: italic;
  font-size: clamp(1.5rem, 3vw, 2.25rem);
  line-height: 1.3;
  letter-spacing: -0.015em;
  max-width: 32ch;
  color: var(--cream);
  position: relative;
}
.payoff-attribution {
  margin-top: 1.5rem;
  font-size: 14px;
  color: rgba(250, 247, 240, 0.6);
  letter-spacing: 0.04em;
}

/* =============================================================
   HOMEPAGE-SPECIFIC: HOW IT WORKS
   ============================================================= */
.how {
  background: var(--cream);
  padding: clamp(6rem, 12vh, 9rem) var(--pad);
  position: relative;
}
.how-inner { max-width: var(--max); margin: 0 auto; }
.how-header { max-width: 40rem; margin-bottom: clamp(4rem, 8vh, 6rem); }
.how-headline {
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(2rem, 4.5vw, 3.5rem);
  line-height: 1.1;
  letter-spacing: -0.02em;
  color: var(--forest-900);
  margin-bottom: 1.5rem;
}
.how-headline em { font-style: italic; color: var(--gold-700); }
.how-lede {
  font-size: clamp(1.05rem, 1.4vw, 1.2rem);
  line-height: 1.55;
  color: var(--ink-700);
}

.steps {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 0;
  position: relative;
  margin-bottom: 5rem;
}
.step {
  position: relative;
  padding: 2rem 1.5rem 0;
  text-align: center;
}
.step-num {
  font-family: var(--serif);
  font-style: italic;
  font-size: 14px;
  color: var(--gold-700);
  margin-bottom: 1.5rem;
  letter-spacing: 0.02em;
}
.step-icon {
  width: 64px;
  height: 64px;
  margin: 0 auto 1.5rem;
  border-radius: 50%;
  background: var(--paper);
  border: 1px solid var(--ink-100);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--forest-800);
  transition: all 0.3s ease;
  position: relative;
  z-index: 1;
}
.step:hover .step-icon {
  background: var(--forest-900);
  color: var(--cream);
  border-color: var(--forest-900);
  transform: translateY(-3px);
}
.step-icon svg {
  width: 28px;
  height: 28px;
  transition: transform 0.3s ease;
}
.step:hover .step-icon svg { transform: scale(1.05); }
.step-title {
  font-family: var(--serif);
  font-weight: 500;
  font-size: 18px;
  color: var(--forest-900);
  margin-bottom: 0.5rem;
  letter-spacing: -0.01em;
}
.step-body {
  font-size: 14px;
  line-height: 1.5;
  color: var(--ink-700);
  max-width: 18ch;
  margin: 0 auto;
}

.steps::before {
  content: '';
  position: absolute;
  top: calc(2rem + 14px + 1.5rem + 32px);
  left: 10%;
  right: 10%;
  height: 1px;
  background: var(--ink-100);
  z-index: 0;
}

.forever {
  text-align: center;
  padding: 3rem 0 0;
  border-top: 1px solid var(--ink-100);
  margin-top: 3rem;
}
.forever-label {
  font-family: var(--serif);
  font-style: italic;
  font-size: clamp(1.5rem, 3vw, 2rem);
  color: var(--gold-700);
  line-height: 1.2;
  margin-bottom: 0.75rem;
  letter-spacing: -0.01em;
}
.forever-sub {
  font-size: 15px;
  color: var(--ink-700);
  max-width: 28rem;
  margin: 0 auto;
}

/* =============================================================
   HOMEPAGE-SPECIFIC: CALCULATOR
   ============================================================= */
.calc {
  background: var(--forest-900);
  color: var(--cream);
  padding: clamp(6rem, 12vh, 9rem) var(--pad);
  position: relative;
  overflow: hidden;
}
.calc::before {
  content: '';
  position: absolute;
  top: -200px;
  right: -200px;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(194, 155, 74, 0.1) 0%, transparent 60%);
  pointer-events: none;
}
.calc-inner { max-width: var(--max); margin: 0 auto; position: relative; }
.calc-header { max-width: 44rem; margin-bottom: clamp(3rem, 6vh, 4.5rem); }
.calc-headline {
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(2rem, 4.5vw, 3.5rem);
  line-height: 1.1;
  letter-spacing: -0.02em;
  color: var(--cream);
  margin-bottom: 1.5rem;
}
.calc-headline em { font-style: italic; color: var(--gold-500); }
.calc-lede {
  font-size: clamp(1.05rem, 1.4vw, 1.2rem);
  line-height: 1.55;
  color: rgba(250, 247, 240, 0.88);
}

.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: clamp(2rem, 5vw, 4rem);
  align-items: start;
}

.controls { display: flex; flex-direction: column; gap: 2rem; }
.control { display: flex; flex-direction: column; }
.control-header {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 0.85rem;
}
.control-label {
  font-size: 13px;
  font-weight: 500;
  color: rgba(250, 247, 240, 0.6);
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.control-value {
  font-family: var(--serif);
  font-size: 22px;
  font-weight: 400;
  color: var(--cream);
  letter-spacing: -0.01em;
}
.control-value-currency {
  color: var(--gold-500);
  font-style: italic;
  margin-right: 2px;
}

.slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 3px;
  background: rgba(250, 247, 240, 0.12);
  outline: none;
  cursor: pointer;
}
.slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--cream);
  cursor: grab;
  transition: transform 0.15s ease, box-shadow 0.2s ease;
}
.slider::-webkit-slider-thumb:hover { transform: scale(1.15); }
.slider::-webkit-slider-thumb:active {
  cursor: grabbing;
  transform: scale(1.1);
  box-shadow: 0 0 0 8px rgba(194, 155, 74, 0.18);
}
.slider::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--cream);
  border: none;
  cursor: grab;
  transition: transform 0.15s ease;
}
.slider::-moz-range-thumb:hover { transform: scale(1.15); }

.freq-toggle {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 4px;
  background: rgba(250, 247, 240, 0.08);
  padding: 4px;
  border-radius: 999px;
  margin-top: 0.5rem;
}
.freq-toggle button {
  background: transparent;
  border: none;
  padding: 8px 12px;
  border-radius: 999px;
  font-family: var(--sans);
  font-size: 13px;
  font-weight: 500;
  color: rgba(250, 247, 240, 0.65);
  cursor: pointer;
  transition: all 0.2s ease;
  letter-spacing: 0.01em;
}
.freq-toggle button:hover { color: var(--cream); }
.freq-toggle button.active {
  background: var(--cream);
  color: var(--forest-900);
}

.control-helper {
  margin-top: 0.85rem;
  font-size: 13px;
  line-height: 1.5;
  color: rgba(250, 247, 240, 0.55);
  font-style: italic;
  font-family: var(--serif);
  transition: color 0.3s ease;
}
.control-helper strong {
  color: var(--gold-500);
  font-weight: 400;
  font-style: italic;
}

.results { display: flex; flex-direction: column; gap: 1.5rem; }
.result-hero {
  border-bottom: 1px solid rgba(250, 247, 240, 0.12);
  padding-bottom: 2rem;
}
.result-label {
  font-size: 12px;
  font-weight: 500;
  color: var(--gold-500);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 0.75rem;
}
.result-hero-value {
  font-family: var(--serif);
  font-weight: 300;
  font-size: clamp(3rem, 7vw, 5rem);
  line-height: 1;
  color: var(--cream);
  letter-spacing: -0.025em;
  margin-bottom: 0.75rem;
}
.result-hero-currency {
  color: var(--gold-500);
  font-style: italic;
  font-size: 0.5em;
  vertical-align: baseline;
  margin-right: 4px;
  font-weight: 400;
}
.result-hero-sub { font-size: 14px; color: rgba(250, 247, 240, 0.6); }

.result-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
}
.result-card { display: flex; flex-direction: column; gap: 0.5rem; }
.result-card-label {
  font-size: 12px;
  font-weight: 500;
  color: rgba(250, 247, 240, 0.5);
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.result-card-value {
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(1.5rem, 2.5vw, 1.85rem);
  line-height: 1;
  color: var(--cream);
  letter-spacing: -0.015em;
}
.result-card-value .currency {
  color: var(--gold-500);
  font-style: italic;
  font-size: 0.75em;
  margin-right: 2px;
}
.result-card-sub {
  font-size: 12px;
  color: rgba(250, 247, 240, 0.5);
  margin-top: 2px;
}

.result-forever {
  margin-top: 0.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(250, 247, 240, 0.12);
  font-family: var(--serif);
  font-style: italic;
  font-size: 16px;
  color: var(--gold-500);
  line-height: 1.5;
}
.result-forever strong {
  color: var(--cream);
  font-weight: 500;
  font-style: normal;
}

.calc-chart-wrap {
  margin-top: 3rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(250, 247, 240, 0.12);
}
.calc-chart-legend {
  display: flex;
  gap: 2rem;
  margin-bottom: 1.5rem;
  font-size: 13px;
  color: rgba(250, 247, 240, 0.88);
}
.legend-item { display: flex; align-items: center; gap: 8px; }
.legend-dot { width: 10px; height: 10px; border-radius: 50%; }
.legend-dot.fund { background: var(--gold-500); }
.legend-dot.given { background: rgba(250, 247, 240, 0.4); }

.chart-container {
  width: 100%;
  height: 280px;
  position: relative;
}

.calc-footnote {
  margin-top: 2.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(250, 247, 240, 0.08);
  font-size: 12px;
  color: rgba(250, 247, 240, 0.45);
  line-height: 1.6;
  max-width: 56rem;
}

/* =============================================================
   HOMEPAGE-SPECIFIC: EMPLOYERS BAND
   ============================================================= */
.employers {
  background: var(--paper);
  padding: clamp(5rem, 10vh, 7rem) var(--pad);
}
.employers-inner {
  max-width: var(--max);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(2rem, 6vw, 5rem);
  align-items: center;
}
.employers-headline {
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(1.75rem, 3.5vw, 2.75rem);
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--forest-900);
  margin-bottom: 1.25rem;
}
.employers-headline em { font-style: italic; color: var(--gold-700); }
.employers-body {
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink-700);
  margin-bottom: 2rem;
  max-width: 32rem;
}
.employers-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  padding: 1.75rem 0;
  border-top: 1px solid var(--ink-100);
  border-bottom: 1px solid var(--ink-100);
  margin-bottom: 2rem;
}
.stat { display: flex; flex-direction: column; gap: 4px; }
.stat-value {
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(1.5rem, 2.4vw, 1.85rem);
  color: var(--forest-900);
  letter-spacing: -0.015em;
  line-height: 1;
}
.stat-value em { font-style: italic; color: var(--gold-700); }
.stat-label { font-size: 12px; color: var(--ink-500); line-height: 1.4; }

.employers-visual {
  aspect-ratio: 4 / 3;
  background: var(--forest-900);
  border-radius: 16px;
  padding: 1.5rem;
  color: var(--cream);
  position: relative;
  overflow: hidden;
  box-shadow: 0 30px 60px -20px rgba(15, 42, 29, 0.35);
}
.preview-tag {
  display: inline-block;
  font-size: 11px;
  color: var(--gold-500);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 0.75rem;
  font-weight: 500;
}
.preview-title {
  font-family: var(--serif);
  font-size: 18px;
  margin-bottom: 1.25rem;
  color: var(--cream);
}
.preview-cards {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 8px;
  margin-bottom: 1rem;
}
.preview-card {
  background: rgba(250, 247, 240, 0.06);
  border: 1px solid rgba(250, 247, 240, 0.08);
  border-radius: 8px;
  padding: 12px 14px;
}
.preview-card-label {
  font-size: 10px;
  color: rgba(250, 247, 240, 0.5);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 4px;
}
.preview-card-value {
  font-family: var(--serif);
  font-size: 22px;
  color: var(--cream);
  font-weight: 400;
  letter-spacing: -0.01em;
}
.preview-card-value .currency {
  color: var(--gold-500);
  font-style: italic;
  font-size: 0.7em;
}
.preview-card-trend {
  font-size: 10px;
  color: var(--gold-500);
  margin-top: 2px;
}
.preview-bars {
  display: flex;
  align-items: flex-end;
  gap: 6px;
  height: 60px;
  margin-top: 0.75rem;
}
.preview-bar {
  flex: 1;
  background: rgba(194, 155, 74, 0.4);
  border-radius: 3px 3px 0 0;
}
.preview-bar:nth-child(1) { height: 30%; }
.preview-bar:nth-child(2) { height: 45%; }
.preview-bar:nth-child(3) { height: 60%; }
.preview-bar:nth-child(4) { height: 75%; }
.preview-bar:nth-child(5) { height: 90%; background: var(--gold-500); }

/* =============================================================
   HOMEPAGE-SPECIFIC: PARTNERS
   ============================================================= */
.partners {
  background: var(--cream);
  padding: clamp(5rem, 10vh, 7rem) var(--pad);
  text-align: center;
}
.partners-inner { max-width: var(--max); margin: 0 auto; }
.partners-eyebrow {
  font-size: 12px;
  font-weight: 500;
  color: var(--gold-700);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 1.25rem;
}
.partners-headline {
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(1.5rem, 3vw, 2.25rem);
  line-height: 1.2;
  letter-spacing: -0.015em;
  color: var(--forest-900);
  margin-bottom: 0.75rem;
  max-width: 36rem;
  margin-left: auto;
  margin-right: auto;
}
.partners-headline em { font-style: italic; color: var(--gold-700); }
.partners-sub {
  font-size: 16px;
  color: var(--ink-700);
  margin-bottom: 3rem;
  max-width: 38rem;
  margin-left: auto;
  margin-right: auto;
}
.partners-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 1px;
  background: var(--ink-100);
  border-top: 1px solid var(--ink-100);
  border-bottom: 1px solid var(--ink-100);
}
.partner {
  background: var(--cream);
  aspect-ratio: 2 / 1;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1.5rem 1rem;
  transition: background 0.3s ease;
}
.partner:hover { background: var(--paper); }
.partner-name {
  font-family: var(--serif);
  font-weight: 500;
  font-size: 15px;
  color: var(--forest-700);
  letter-spacing: -0.005em;
  text-align: center;
  line-height: 1.2;
  transition: color 0.3s ease;
}
.partner:hover .partner-name { color: var(--forest-900); }
.partners-footnote {
  margin-top: 2rem;
  font-size: 13px;
  color: var(--ink-500);
  font-style: italic;
  font-family: var(--serif);
}

/* =============================================================
   FINAL CTA — used on homepage and other pages
   ============================================================= */
.final-cta {
  background: var(--forest-900);
  color: var(--cream);
  padding: clamp(6rem, 12vh, 9rem) var(--pad);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.final-cta::before {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 800px;
  height: 800px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(194, 155, 74, 0.12) 0%, transparent 60%);
  pointer-events: none;
}
.final-cta-inner {
  max-width: 48rem;
  margin: 0 auto;
  position: relative;
}
.final-cta-eyebrow {
  font-family: var(--serif);
  font-style: italic;
  font-size: 16px;
  color: var(--gold-500);
  margin-bottom: 1.5rem;
  letter-spacing: 0.02em;
}
.final-cta h2 {
  font-family: var(--serif);
  font-weight: 300;
  font-size: clamp(2.5rem, 6vw, 4.5rem);
  line-height: 1.05;
  letter-spacing: -0.025em;
  color: var(--cream);
  margin-bottom: 1.5rem;
}
.final-cta h2 em {
  font-style: italic;
  color: var(--gold-500);
}
.final-cta-sub {
  font-size: clamp(1.05rem, 1.4vw, 1.2rem);
  color: rgba(250, 247, 240, 0.88);
  line-height: 1.55;
  margin-bottom: 3rem;
  max-width: 36rem;
  margin-left: auto;
  margin-right: auto;
}
.final-cta .btn-primary {
  background: var(--cream);
  color: var(--forest-900);
}
.final-cta .btn-primary:hover { background: var(--paper); }
.final-cta .btn-secondary {
  color: var(--cream);
  border-color: rgba(250, 247, 240, 0.3);
}
.final-cta .btn-secondary:hover {
  border-color: var(--cream);
  background: rgba(250, 247, 240, 0.05);
}
.final-cta-ctas {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 3rem;
}
.final-cta-signature {
  margin-top: 4rem;
  padding-top: 3rem;
  border-top: 1px solid rgba(250, 247, 240, 0.12);
  font-family: var(--serif);
  font-style: italic;
  font-size: 18px;
  color: var(--gold-500);
  letter-spacing: 0.02em;
}

/* =============================================================
   FOOTER — site-wide
   ============================================================= */
.footer {
  background: var(--cream);
  color: var(--ink-700);
  padding: 5rem var(--pad) 2rem;
  border-top: 1px solid var(--ink-100);
}
.footer-inner { max-width: var(--max); margin: 0 auto; }
.footer-top {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr 1fr;
  gap: 3rem;
  padding-bottom: 4rem;
  border-bottom: 1px solid var(--ink-100);
  margin-bottom: 2rem;
}
.footer-brand .logo { margin-bottom: 1rem; }
.footer-tagline {
  font-family: var(--serif);
  font-style: italic;
  font-size: 17px;
  color: var(--gold-700);
  line-height: 1.4;
  margin-bottom: 1rem;
  max-width: 18rem;
}
.footer-newsletter { margin-top: 1.25rem; max-width: 24rem; }
.footer-newsletter-label {
  font-size: 13px;
  color: var(--ink-700);
  margin-bottom: 0.75rem;
}
.footer-newsletter-form { display: flex; gap: 8px; }
.footer-newsletter input {
  flex: 1;
  padding: 10px 14px;
  border: 1px solid var(--ink-100);
  background: var(--paper);
  border-radius: 999px;
  font-family: var(--sans);
  font-size: 14px;
  color: var(--ink-900);
  outline: none;
  transition: border-color 0.2s;
}
.footer-newsletter input:focus { border-color: var(--forest-700); }
.footer-newsletter button {
  background: var(--forest-900);
  color: var(--cream);
  border: none;
  padding: 0 18px;
  border-radius: 999px;
  font-family: var(--sans);
  font-size: 14px;
  font-weight: 500;
  cursor: pointer;
  transition: background 0.2s;
}
.footer-newsletter button:hover { background: var(--forest-800); }

.footer-col h4 {
  font-family: var(--sans);
  font-weight: 500;
  font-size: 13px;
  color: var(--forest-900);
  margin-bottom: 1.25rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.footer-col ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}
.footer-col a {
  font-size: 14px;
  color: var(--ink-700);
  transition: color 0.2s;
}
.footer-col a:hover { color: var(--forest-900); }

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
  font-size: 12px;
  color: var(--ink-500);
}
.footer-bottom-meta { display: flex; gap: 1.5rem; flex-wrap: wrap; }
.footer-social { display: flex; gap: 12px; align-items: center; }
.footer-social a {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  border: 1px solid var(--ink-100);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--ink-700);
  transition: all 0.2s;
}
.footer-social a:hover {
  border-color: var(--forest-700);
  color: var(--forest-900);
}

/* =============================================================
   RESPONSIVE — covers all sections
   ============================================================= */
@media (max-width: 880px) {
  .nav-links { display: none; }
  .nav-mobile-toggle { display: block; }
  .nav-actions .nav-signin { display: none; }

  .hero-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
    min-height: auto;
  }
  .hero-visual { max-width: 380px; order: 2; }
  .hero-content { order: 1; }

  .trust-strip { grid-template-columns: repeat(2, 1fr); gap: 1.5rem; }

  .contrast { grid-template-columns: 1fr; gap: 2rem; }
  .contrast-divider { width: auto; height: 1px; }
  .contrast-divider::before { background: var(--paper); }

  .steps { grid-template-columns: 1fr; gap: 1.5rem; }
  .steps::before { display: none; }
  .step {
    display: grid;
    grid-template-columns: auto 1fr;
    gap: 1.25rem;
    align-items: start;
    text-align: left;
    padding: 1.5rem 0;
    border-bottom: 1px solid var(--ink-100);
  }
  .step:last-child { border-bottom: none; }
  .step-num { grid-column: 1 / 3; margin-bottom: 0.5rem; }
  .step-icon { margin: 0; width: 48px; height: 48px; }
  .step-icon svg { width: 22px; height: 22px; }
  .step-body { max-width: none; }

  .calc-grid { grid-template-columns: 1fr; gap: 3rem; }
  .result-row { grid-template-columns: 1fr 1fr; gap: 1rem; }

  .employers-inner { grid-template-columns: 1fr; gap: 3rem; }
  .employers-visual { max-width: 480px; margin: 0 auto; width: 100%; }

  .partners-grid { grid-template-columns: repeat(3, 1fr); }

  .footer-top { grid-template-columns: 1fr 1fr; gap: 2rem; }
  .footer-brand { grid-column: 1 / 3; }
}

@media (max-width: 520px) {
  .hero h1 { font-size: 2.5rem; }
  .hero-ctas { width: 100%; }
  .hero-ctas .btn { flex: 1; justify-content: center; }
}

@media (max-width: 480px) {
  .freq-toggle button { padding: 8px 6px; font-size: 12px; }
  .result-row { grid-template-columns: 1fr; }
  .partners-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-top { grid-template-columns: 1fr; }
  .footer-brand { grid-column: auto; }
}

/* =============================================================
   LEGAL PAGES — typographic, restrained
   ============================================================= */
.legal {
  background: var(--cream);
  padding: clamp(3rem, 6vh, 5rem) var(--pad) clamp(5rem, 10vh, 8rem);
}
.legal-inner {
  max-width: 48rem;
  margin: 0 auto;
}
.legal-meta {
  font-size: 13px;
  color: var(--ink-500);
  margin-bottom: 2.5rem;
  padding-bottom: 1rem;
  border-bottom: 1px solid var(--ink-100);
  font-family: var(--serif);
  font-style: italic;
}
.legal-body h2 {
  font-family: var(--serif);
  font-weight: 500;
  font-size: 24px;
  color: var(--forest-900);
  margin-top: 3rem;
  margin-bottom: 0.75rem;
  letter-spacing: -0.015em;
  line-height: 1.2;
}
.legal-body h2:first-child { margin-top: 0; }
.legal-body h3 {
  font-family: var(--serif);
  font-weight: 500;
  font-size: 18px;
  color: var(--forest-900);
  margin-top: 2rem;
  margin-bottom: 0.75rem;
  letter-spacing: -0.01em;
}
.legal-body p {
  font-size: 16px;
  line-height: 1.7;
  color: var(--ink-700);
  margin-bottom: 1rem;
}
.legal-body ul, .legal-body ol {
  padding-left: 1.5rem;
  margin-bottom: 1rem;
}
.legal-body li {
  font-size: 16px;
  line-height: 1.7;
  color: var(--ink-700);
  margin-bottom: 0.5rem;
}
.legal-body a { color: var(--forest-700); border-bottom: 1px solid currentColor; }
.legal-body a:hover { color: var(--gold-700); }
.legal-body strong { color: var(--forest-900); font-weight: 500; }
.legal-callout {
  background: var(--paper);
  border-left: 3px solid var(--gold-600);
  padding: 1.25rem 1.5rem;
  margin: 1.5rem 0;
  border-radius: 0 8px 8px 0;
  font-size: 15px;
  line-height: 1.6;
  color: var(--ink-700);
}
.legal-callout strong {
  display: block;
  margin-bottom: 4px;
  color: var(--forest-900);
  font-family: var(--serif);
  font-size: 16px;
  letter-spacing: -0.005em;
}

/* =============================================================
   404 PAGE
   ============================================================= */
.error-page {
  min-height: 80vh;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: clamp(6rem, 12vh, 9rem) var(--pad);
  text-align: center;
}
.error-inner { max-width: 36rem; }
.error-code {
  font-family: var(--serif);
  font-style: italic;
  font-weight: 300;
  font-size: clamp(5rem, 12vw, 8rem);
  line-height: 1;
  color: var(--gold-600);
  letter-spacing: -0.03em;
  margin-bottom: 1.5rem;
}
.error-headline {
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(1.75rem, 3.5vw, 2.5rem);
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--forest-900);
  margin-bottom: 1rem;
}
.error-headline em { font-style: italic; color: var(--gold-700); }
.error-body {
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink-700);
  margin-bottom: 2.5rem;
  max-width: 28rem;
  margin-left: auto;
  margin-right: auto;
}
.error-ctas {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
}

/* =============================================================
   TEAM SECTION — About page
   ============================================================= */
.team {
  background: var(--cream);
  padding: clamp(5rem, 10vh, 8rem) var(--pad);
  border-top: 1px solid var(--ink-100);
}
.team-inner { max-width: var(--max); margin: 0 auto; }
.team-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(2rem, 5vw, 4rem);
  margin-top: 3rem;
}
.team-member {
  display: flex;
  flex-direction: column;
}
.team-portrait-wrap {
  width: 100%;
  aspect-ratio: 1 / 1;
  background: var(--paper);
  border-radius: 16px;
  overflow: hidden;
  margin-bottom: 1.75rem;
  position: relative;
  border: 1px solid var(--ink-100);
}
.team-portrait {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.6s cubic-bezier(0.2, 0.6, 0.2, 1);
}
.team-portrait-wrap:hover .team-portrait { transform: scale(1.03); }

.team-role {
  font-size: 12px;
  font-weight: 500;
  color: var(--gold-700);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 0.5rem;
}
.team-name {
  font-family: var(--serif);
  font-weight: 500;
  font-size: clamp(1.5rem, 2.4vw, 1.85rem);
  color: var(--forest-900);
  margin-bottom: 0.25rem;
  letter-spacing: -0.015em;
  line-height: 1.15;
}
.team-name em { font-style: italic; color: var(--gold-700); }
.team-position {
  font-family: var(--serif);
  font-style: italic;
  font-size: 16px;
  color: var(--ink-500);
  margin-bottom: 1.5rem;
}
.team-bio p {
  font-size: 15px;
  line-height: 1.65;
  color: var(--ink-700);
  margin-bottom: 0.85rem;
}
.team-bio p:last-child { margin-bottom: 0; }
.team-bio strong { color: var(--forest-900); font-weight: 500; }
.team-bio em { color: var(--gold-700); font-style: italic; }

.team-link {
  margin-top: 1.5rem;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 500;
  color: var(--forest-700);
  transition: gap 0.2s ease, color 0.2s ease;
}
.team-link:hover { gap: 12px; color: var(--gold-700); }
.team-link svg { width: 14px; height: 14px; }

@media (max-width: 880px) {
  .team-grid { grid-template-columns: 1fr; gap: 3rem; }
  .team-portrait-wrap { max-width: 360px; }
}