/* WealthCompass USA — design system */
:root{
  --navy:#10294a; --navy-dark:#0a1c34; --navy-light:#1d3d68;
  --gold:#c9a227; --gold-dark:#a8861c; --gold-soft:#f6efdb;
  --bg:#f5f7fb; --card:#ffffff; --ink:#17222f; --muted:#5c6c82;
  --line:#e2e8f2; --green:#177a46; --green-soft:#e6f4ec;
  --red:#b3402e; --red-soft:#fbecea; --blue:#2456c4; --blue-soft:#e8eefa;
  --radius:12px; --shadow:0 2px 14px rgba(16,41,74,.08);
  --max:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
h1,h2,h3,h4{line-height:1.25;color:var(--navy);margin-top:0}
h1{font-size:2.1rem} h2{font-size:1.55rem;margin-top:2.2rem} h3{font-size:1.2rem;margin-top:1.6rem}
p{margin:.7rem 0}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}

/* ---------- header ---------- */
.site-header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50;box-shadow:0 2px 10px rgba(0,0,0,.25)}
.header-inner{display:flex;align-items:center;gap:18px;padding:12px 20px;max-width:var(--max);margin:0 auto}
.brand{color:#fff;font-weight:800;font-size:1.25rem;display:flex;align-items:center;gap:10px;white-space:nowrap}
.brand:hover{text-decoration:none}
.brand .compass{display:inline-flex;width:34px;height:34px;border-radius:50%;background:radial-gradient(circle at 35% 35%,#fff6dd,var(--gold));color:var(--navy);align-items:center;justify-content:center;font-weight:900;font-size:1.15rem}
.brand small{font-weight:400;font-size:.72rem;color:#c8d3e2;display:block;line-height:1.1}
nav.main-nav{display:flex;align-items:center;gap:2px;margin-left:auto}
nav.main-nav a{color:#dbe4f2;padding:9px 12px;border-radius:8px;font-size:.95rem;white-space:nowrap}
nav.main-nav a:hover{background:var(--navy-light);text-decoration:none}
nav.main-nav a.cta{background:var(--gold);color:var(--navy);font-weight:700}
nav.main-nav a.cta:hover{background:#dbb93a}
.dropdown{position:relative}
.dropdown>button{background:none;border:0;color:#dbe4f2;padding:9px 12px;border-radius:8px;font-size:.95rem;cursor:pointer;font-family:inherit}
.dropdown>button:hover{background:var(--navy-light)}
.dropdown-menu{display:none;position:absolute;top:100%;left:0;background:#fff;min-width:250px;border-radius:10px;box-shadow:0 10px 30px rgba(0,0,0,.25);padding:8px;z-index:60}
.dropdown.open .dropdown-menu{display:block}
.dropdown-menu a{display:block;color:var(--ink);padding:9px 12px;border-radius:7px;font-size:.93rem}
.dropdown-menu a:hover{background:var(--bg);text-decoration:none}
.dropdown-menu a span{display:block;font-size:.78rem;color:var(--muted)}
.menu-toggle{display:none;background:none;border:0;color:#fff;font-size:1.6rem;cursor:pointer;margin-left:auto}
.searchbox{position:relative;margin-left:8px}
.searchbox input{border:1px solid var(--navy-light);background:var(--navy-dark);color:#fff;border-radius:20px;padding:7px 14px;width:170px;font-size:.9rem}
.searchbox input::placeholder{color:#8ea2bf}
.search-results{position:absolute;top:110%;right:0;width:330px;background:#fff;border-radius:10px;box-shadow:0 12px 32px rgba(0,0,0,.28);max-height:380px;overflow:auto;display:none;z-index:70}
.search-results.open{display:block}
.search-results a{display:block;padding:10px 14px;border-bottom:1px solid var(--line);color:var(--ink)}
.search-results a:hover{background:var(--bg);text-decoration:none}
.search-results a b{color:var(--navy);display:block;font-size:.92rem}
.search-results a span{font-size:.8rem;color:var(--muted)}

/* ---------- hero ---------- */
.hero{background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 55%,var(--navy-light) 100%);color:#fff;padding:64px 0 56px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-80px;top:-80px;width:340px;height:340px;border-radius:50%;background:radial-gradient(circle,rgba(201,162,39,.28),transparent 70%)}
.hero h1{color:#fff;font-size:2.6rem;margin:0 0 .6rem;max-width:640px}
.hero p.lead{font-size:1.15rem;color:#c8d3e2;max-width:640px}
.hero .kicker{color:var(--gold);text-transform:uppercase;letter-spacing:2px;font-size:.8rem;font-weight:700;margin-bottom:.6rem}
.btn{display:inline-block;padding:12px 24px;border-radius:9px;font-weight:700;font-size:1rem;border:0;cursor:pointer}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{background:#dbb93a;text-decoration:none}
.btn-outline{border:2px solid #fff;color:#fff;background:transparent}
.btn-outline:hover{background:rgba(255,255,255,.12);text-decoration:none}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-light);text-decoration:none}
.hero-ctas{display:flex;gap:12px;margin-top:1.4rem;flex-wrap:wrap}
.hero-stats{display:flex;gap:28px;margin-top:2rem;flex-wrap:wrap}
.hero-stats div b{display:block;font-size:1.5rem;color:var(--gold)}
.hero-stats div span{font-size:.85rem;color:#aebdd4}

/* ---------- sections / cards ---------- */
.section{padding:48px 0}
.section h2.section-title{font-size:1.8rem;margin-bottom:.4rem}
.section .sub{color:var(--muted);margin-bottom:1.6rem;max-width:720px}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:18px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow);display:flex;flex-direction:column}
.card:hover{box-shadow:0 6px 22px rgba(16,41,74,.14)}
.card .icon{font-size:1.7rem;margin-bottom:.4rem}
.card h3{margin:.2rem 0 .4rem;font-size:1.12rem}
.card p{color:var(--muted);font-size:.94rem;flex:1}
.card a.more{font-weight:700;font-size:.93rem;margin-top:.6rem}

/* ---------- article layout ---------- */
.article-hero{background:var(--navy);color:#fff;padding:44px 0}
.article-hero h1{color:#fff;margin:0 0 .4rem;font-size:2.2rem}
.article-hero p{color:#c8d3e2;max-width:760px}
.breadcrumb{font-size:.85rem;color:#8ea2bf;margin-bottom:.8rem}
.breadcrumb a{color:#c8d3e2}
.article-body{background:#fff}
.article-grid{display:grid;grid-template-columns:250px 1fr;gap:36px;padding:36px 0 60px}
.toc{position:sticky;top:84px;align-self:start;background:var(--bg);border:1px solid var(--line);border-radius:var(--radius);padding:18px;font-size:.9rem}
.toc b{display:block;margin-bottom:.6rem;color:var(--navy)}
.toc a{display:block;padding:4px 0;color:var(--muted)}
.toc a:hover{color:var(--navy)}
.prose{max-width:760px}
.prose img{border-radius:8px}
.keynums{background:var(--gold-soft);border:1px solid #e6d9ae;border-radius:var(--radius);padding:18px 20px;margin:1.4rem 0}
.keynums b.t{display:block;color:var(--navy);margin-bottom:.4rem;text-transform:uppercase;font-size:.8rem;letter-spacing:1px}
.callout{border-left:5px solid var(--blue);background:var(--blue-soft);border-radius:0 10px 10px 0;padding:14px 18px;margin:1.4rem 0}
.callout.tip{border-color:var(--green);background:var(--green-soft)}
.callout.warn{border-color:var(--red);background:var(--red-soft)}
.callout b.t{display:block;margin-bottom:.2rem}
table.data{width:100%;border-collapse:collapse;margin:1.2rem 0;font-size:.94rem;background:#fff}
table.data th{background:var(--navy);color:#fff;text-align:left;padding:10px 12px}
table.data td{border:1px solid var(--line);padding:9px 12px;vertical-align:top}
table.data tr:nth-child(even) td{background:#f8fafd}
details.faq{border:1px solid var(--line);border-radius:10px;margin:.7rem 0;background:#fff}
details.faq summary{padding:14px 18px;cursor:pointer;font-weight:700;color:var(--navy);list-style:none}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::before{content:"+ ";color:var(--gold-dark);font-weight:900}
details.faq[open] summary::before{content:"− "}
details.faq .faq-body{padding:0 18px 16px;color:var(--ink)}
.checklist{list-style:none;padding:0}
.checklist li{padding:9px 0 9px 34px;position:relative;border-bottom:1px dashed var(--line)}
.checklist li::before{content:"☐";position:absolute;left:4px;color:var(--gold-dark);font-size:1.15rem;top:7px}
.steps{counter-reset:step;list-style:none;padding:0}
.steps li{counter-increment:step;padding:12px 0 12px 52px;position:relative;border-bottom:1px solid var(--line)}
.steps li::before{content:counter(step);position:absolute;left:0;top:10px;width:36px;height:36px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}
.tag{display:inline-block;background:var(--gold-soft);color:#7a6116;border-radius:20px;padding:2px 12px;font-size:.78rem;font-weight:700;margin:2px 4px 2px 0}
.next-links{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:2.4rem}
.next-links a{border:1px solid var(--line);border-radius:10px;padding:16px;background:var(--bg)}
.next-links a:hover{text-decoration:none;border-color:var(--gold)}
.next-links b{color:var(--navy)} .next-links span{display:block;font-size:.88rem;color:var(--muted)}

/* ---------- forms / planner / calculators ---------- */
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:28px;margin:1.2rem 0}
label.f{display:block;font-weight:700;margin:1rem 0 .35rem;color:var(--navy);font-size:.95rem}
input[type=text],input[type=number],select{width:100%;padding:11px 13px;border:1px solid #c6d2e3;border-radius:8px;font-size:1rem;font-family:inherit;background:#fff}
input:focus,select:focus{outline:2px solid var(--gold);border-color:var(--gold)}
.hint{font-size:.83rem;color:var(--muted);margin-top:.25rem}
.radio-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:.4rem}
.radio-pill{border:1.5px solid #c6d2e3;border-radius:24px;padding:8px 18px;cursor:pointer;font-size:.93rem;background:#fff}
.radio-pill input{display:none}
.radio-pill.sel{background:var(--navy);color:#fff;border-color:var(--navy)}
.check-row{display:flex;gap:8px;align-items:flex-start;margin:.5rem 0;font-size:.95rem}
.check-row input{margin-top:5px;transform:scale(1.25)}
.progressbar{height:10px;background:var(--line);border-radius:6px;overflow:hidden;margin:1rem 0}
.progressbar>div{height:100%;background:linear-gradient(90deg,var(--gold),var(--gold-dark));transition:width .3s}
.step-nav{display:flex;justify-content:space-between;margin-top:1.6rem}
.score-dial{width:150px;height:150px;border-radius:50%;display:flex;flex-direction:column;align-items:center;justify-content:center;margin:0 auto;color:#fff;font-weight:800}
.score-dial b{font-size:2.4rem;line-height:1}
.score-dial span{font-size:.75rem;font-weight:400;opacity:.9}
.plan-section{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;margin:1rem 0}
.plan-section h3{margin-top:0;display:flex;align-items:center;gap:8px}
.priority{border:1px solid var(--line);border-left:5px solid var(--gold);border-radius:8px;padding:14px 16px;margin:.8rem 0;background:#fffdf6}
.priority b.n{color:var(--gold-dark)}
.calc-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:18px}
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow)}
.calc h3{margin-top:0}
.calc .result{background:var(--navy);color:#fff;border-radius:10px;padding:16px;margin-top:1rem;font-size:.95rem}
.calc .result b{color:var(--gold);font-size:1.35rem}
.calc .result .row{display:flex;justify-content:space-between;padding:3px 0}

/* ---------- footer ---------- */
.site-footer{background:var(--navy-dark);color:#aebdd4;padding:44px 0 26px;margin-top:40px;font-size:.9rem}
.footer-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:24px;max-width:var(--max);margin:0 auto;padding:0 20px}
.site-footer h4{color:#fff;font-size:1rem;margin-bottom:.7rem}
.site-footer a{color:#aebdd4;display:block;padding:3px 0}
.site-footer a:hover{color:#fff}
.disclaimer{max-width:var(--max);margin:26px auto 0;padding:18px 20px 0;border-top:1px solid #24405f;font-size:.8rem;color:#8ea2bf}
.copy{text-align:center;padding-top:14px;font-size:.8rem;color:#6c7f9b}

/* ---------- misc ---------- */
.back-top{position:fixed;bottom:22px;right:22px;background:var(--navy);color:#fff;border:0;border-radius:50%;width:46px;height:46px;font-size:1.3rem;cursor:pointer;display:none;box-shadow:0 4px 14px rgba(0,0,0,.3);z-index:40}
.kbd{background:#eef2f8;border:1px solid #c6d2e3;border-radius:5px;padding:1px 7px;font-size:.85rem}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media(max-width:900px){
  .article-grid{grid-template-columns:1fr}
  .toc{position:static}
  nav.main-nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--navy);flex-direction:column;align-items:stretch;padding:10px;gap:0}
  nav.main-nav.open{display:flex}
  nav.main-nav a,nav.main-nav .dropdown>button{width:100%;text-align:left}
  .dropdown-menu{position:static;box-shadow:none;background:var(--navy-dark);margin:4px 0}
  .dropdown-menu a{color:#dbe4f2}
  .menu-toggle{display:block}
  .searchbox{display:none}
  .hero h1{font-size:2rem}
  .two-col{grid-template-columns:1fr}
  .next-links{grid-template-columns:1fr}
}
@media print{
  .site-header,.site-footer,.back-top,.step-nav,.no-print{display:none!important}
  body{background:#fff;font-size:12pt}
  .form-card,.plan-section{box-shadow:none;break-inside:avoid}
}