/* 1st Source Financial: shared styles for every page
   Light body sections, navy anchors (header, hero, footer, key bands), gold for action.
   .dark flips the color tokens for a section; .light flips them back inside a dark one. */
:root{
  --navy:#0B2545;
  --navy-2:#13315C;
  --gold:#E5B83B;
  --gold-l:#F0CC5E;
  --btn-ink:#2A2000;
  /* light theme tokens (default) */
  --strong:#0B2545;
  --ink:#16304F;
  --body:#3B4F69;
  --slate:#5A6D86;
  --mute:#7A8BA1;
  --accent:#9A6E00;
  --line:rgba(11,37,69,.10);
  --line-2:rgba(11,37,69,.16);
  --bg:#F6F3EC;
  --band:#FFFFFF;
  --surface:#FFFFFF;
  --surface-2:#F3F6FA;
  --chip:#F1F4F8;
  --warn:#C2410C;
  --good:#127A4B;
  --shadow:0 24px 50px -24px rgba(11,37,69,.28);
  --shadow-lg:0 40px 80px -30px rgba(11,37,69,.40);
  --font:'Inter','Segoe UI',Helvetica,Arial,sans-serif;
  --display:'Sora','Segoe UI',Helvetica,Arial,sans-serif;
}
.dark{
  --strong:#FFFFFF;
  --ink:#EAF1F9;
  --body:#C7D4E5;
  --slate:#A9BBD3;
  --mute:#7F93AE;
  --accent:#F0CC5E;
  --line:rgba(255,255,255,.12);
  --line-2:rgba(255,255,255,.18);
  --surface:#13305A;
  --surface-2:#173866;
  --chip:rgba(255,255,255,.06);
  --warn:#F5A07F;
  --good:#7FD6A8;
  --shadow:0 26px 60px -28px rgba(0,0,0,.6);
  color:var(--ink);
}
.light{
  --strong:#0B2545;
  --ink:#16304F;
  --body:#3B4F69;
  --slate:#5A6D86;
  --mute:#7A8BA1;
  --accent:#9A6E00;
  --line:rgba(11,37,69,.10);
  --line-2:rgba(11,37,69,.16);
  --surface:#FFFFFF;
  --surface-2:#F3F6FA;
  --chip:#F1F4F8;
  --warn:#C2410C;
  --good:#127A4B;
  color:var(--ink);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;overflow-x:hidden}
body{font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased;letter-spacing:-.01em;overflow-x:hidden}
h1,h2,h3,.num{font-family:var(--display);color:var(--strong)}
a{color:inherit;text-decoration:none}
.wrap{max-width:1140px;margin:0 auto;padding:0 24px}
.gold{color:var(--accent)}
.strong{color:var(--strong);font-weight:600}
.ph{display:inline-block;background:#FFF4D6;color:#8a6d00;font-size:.68rem;font-weight:800;letter-spacing:.5px;
  padding:2px 8px;border-radius:6px;vertical-align:middle;margin-left:6px;text-transform:uppercase;font-family:var(--font)}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--gold);color:var(--btn-ink);font-weight:700;
  padding:14px 26px;border-radius:999px;border:0;cursor:pointer;font-size:1rem;font-family:var(--font);transition:transform .15s,box-shadow .15s,background .15s;
  box-shadow:0 12px 26px -10px rgba(229,184,59,.75)}
.btn:hover{transform:translateY(-2px);background:var(--gold-l);box-shadow:0 18px 32px -12px rgba(229,184,59,.85)}
.btn.ghost{background:transparent;color:var(--strong);border:1.5px solid var(--line-2);box-shadow:none}
.btn.ghost:hover{border-color:var(--strong);background:rgba(127,127,127,.06)}
.btn.navy{background:var(--navy);color:#fff;box-shadow:0 12px 26px -12px rgba(11,37,69,.6)}
.btn.navy:hover{background:var(--navy-2)}
.btn.lg{padding:17px 32px;font-size:1.06rem}
.btn.xl{padding:19px 34px;font-size:1.12rem;width:100%}
.btn:focus-visible,a:focus-visible,button:focus-visible{outline:2px solid var(--gold);outline-offset:3px}

/* header (always navy) */
header{position:sticky;top:0;z-index:50;background:rgba(11,37,69,.96);backdrop-filter:blur(12px);border-bottom:1px solid rgba(255,255,255,.08)}
.nav{display:flex;align-items:center;justify-content:space-between;height:74px}
.logo img{height:42px;display:block}
.nav-links{display:flex;align-items:center;gap:28px}
.nav-links a{color:#A9BBD3;font-weight:600;font-size:.94rem}
.nav-links a:hover,.nav-links a.on{color:#fff}
.nav-links a.btn{color:var(--btn-ink);padding:11px 22px}
.phone{display:flex;align-items:center;gap:9px;color:var(--strong);font-weight:700}
.phone svg{width:36px;height:36px;flex:0 0 auto;padding:8px;border-radius:10px;background:rgba(229,184,59,.18);stroke:var(--accent);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.phone .pl{display:flex;flex-direction:column;line-height:1.15}
.phone .pl small{font-weight:600;color:var(--slate);font-size:.72rem}
.phone .pl b{font-size:1.04rem;letter-spacing:.2px}
header .phone{color:#fff}
header .phone svg{stroke:#F0CC5E}
header .phone .pl small{color:#A9BBD3}
.menu-btn{display:none;background:none;border:0;font-size:1.6rem;color:#fff;cursor:pointer}

/* hero (navy) */
.hero{background:
    radial-gradient(800px 480px at 88% -5%, rgba(229,184,59,.22), transparent 60%),
    radial-gradient(700px 500px at -10% 110%, rgba(64,120,200,.25), transparent 60%),
    linear-gradient(165deg,#123A6B 0%,#0B2545 70%);
  padding:56px 0 84px}
.crumb{font-size:.85rem;color:var(--slate);margin-bottom:30px}
.crumb a{color:var(--accent);font-weight:600}
.hero-grid{display:grid;grid-template-columns:1fr 1.02fr;gap:56px;align-items:start}
.hero-grid>*,.split>*,.close-box>*,.duo>*{min-width:0}
.hero h1{font-size:3.05rem;line-height:1.06;font-weight:800;letter-spacing:-.8px;margin-bottom:20px}
.hero h1 em{font-style:normal;color:var(--gold-l)}
.lead{font-size:1.16rem;color:var(--body);max-width:520px;margin-bottom:26px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap}
.hero .btn.ghost{color:#fff;border-color:rgba(255,255,255,.4)}
.aside{margin-top:30px;padding-left:16px;border-left:3px solid var(--gold);color:var(--slate);font-size:.95rem;max-width:480px}
.aside b{color:var(--strong)}
.aside a{color:var(--accent);font-weight:600;border-bottom:1px solid currentColor}
.reassure{margin-top:22px;display:flex;gap:10px;flex-wrap:wrap;font-size:.86rem;font-weight:600}
.reassure span{display:flex;align-items:center;gap:7px;padding:6px 12px 6px 10px;border-radius:999px;background:rgba(127,214,168,.12);color:var(--good);border:1px solid rgba(127,214,168,.3)}
.reassure span::before{content:"";width:14px;height:14px;flex:0 0 auto;background:currentColor;
  -webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5' fill='none' stroke='black' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/contain no-repeat;
          mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5' fill='none' stroke='black' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/contain no-repeat}

/* section shell */
section.block{padding:88px 0}
.band{background:var(--band);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
section.dark{background:linear-gradient(165deg,#0F3260 0%,#0B2545 100%)}
.split{display:grid;grid-template-columns:.85fr 1.15fr;gap:60px;align-items:start}
.label{font-size:.78rem;font-weight:800;letter-spacing:1.6px;text-transform:uppercase;color:var(--accent);margin-bottom:14px}
h2{font-size:2.2rem;font-weight:800;letter-spacing:-.5px;line-height:1.15}
.intro p,.head p{color:var(--slate);font-size:1.06rem;margin-top:16px}
.head{max-width:720px;margin-bottom:40px}

/* white tool card (calculators, finder) */
.calc{background:var(--surface);border:1px solid var(--line);border-radius:22px;box-shadow:0 50px 90px -35px rgba(0,0,0,.55);overflow:hidden}
.calc-head{display:flex;justify-content:space-between;align-items:center;padding:18px 26px;border-bottom:1px solid var(--line);font-weight:800;font-size:1rem;color:var(--strong);font-family:var(--display)}
.calc-head span{color:var(--slate);font-weight:600;font-size:.8rem;font-family:var(--font)}
.calc-body{padding:24px 26px 26px}
.field{margin-bottom:20px}
.field-top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:8px;gap:12px}
.field-top label{font-weight:600;font-size:.93rem;color:var(--ink)}
.field-top .val{font-weight:800;color:var(--strong);font-size:1.1rem;font-family:var(--display);white-space:nowrap}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:10px;border-radius:10px;
  background:linear-gradient(90deg,var(--gold) var(--p,40%),var(--chip) var(--p,40%));outline:none;border:1px solid var(--line)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:28px;height:28px;border-radius:50%;
  background:#fff;border:6px solid var(--gold);box-shadow:0 4px 12px rgba(11,37,69,.35);cursor:pointer}
input[type=range]::-moz-range-thumb{width:28px;height:28px;border-radius:50%;background:#fff;border:6px solid var(--gold);cursor:pointer}
input[type=range]:focus-visible{outline:2px solid var(--gold);outline-offset:6px}
.range-ends{display:flex;justify-content:space-between;font-size:.76rem;color:var(--mute);margin-top:6px}

/* big result: you now vs. with a plan */
.vs{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:4px 0 14px}
.vs > div{border-radius:16px;padding:16px 18px}
.vs .now{background:#FDF1EC;border:1px solid #F6D4C6}
.vs .plan{background:#FFF8E1;border:2px solid var(--gold)}
.vs small{display:block;font-size:.72rem;font-weight:800;letter-spacing:1px;text-transform:uppercase;color:#7A5A4C}
.vs .plan small{color:#8A6400}
.vs .big{font-family:var(--display);font-weight:800;font-size:2.1rem;line-height:1.1;margin-top:4px}
.vs .now .big{color:#B4441D;text-decoration:line-through;text-decoration-thickness:2px;text-decoration-color:rgba(180,68,29,.45)}
.vs .plan .big{color:#0B2545}
.vs .big span{font-size:.95rem;font-weight:700;margin-left:2px}
.vs .meta{font-size:.82rem;color:#5A6D86;margin-top:2px}
.save-banner{display:flex;align-items:center;justify-content:space-between;gap:12px;background:#0B2545;color:#fff;border-radius:14px;padding:14px 18px;margin-bottom:6px}
.save-banner span{font-weight:600;color:#C7D4E5;font-size:.92rem}
.save-banner b{font-family:var(--display);font-size:1.5rem;color:#F0CC5E;white-space:nowrap}

.ledger{margin-top:6px;border:1px solid var(--line-2);border-radius:14px;overflow:hidden}
.ledger table{width:100%;border-collapse:collapse;font-size:.92rem}
.ledger th{font-size:.72rem;letter-spacing:1px;text-transform:uppercase;color:var(--slate);font-weight:700;text-align:right;padding:11px 16px;background:var(--surface-2)}
.ledger th:first-child{text-align:left}
.ledger td{padding:10px 16px;border-top:1px solid var(--line);text-align:right;font-variant-numeric:tabular-nums;font-weight:600;color:var(--slate)}
.ledger td:first-child{text-align:left;font-weight:500}
.ledger td.new{color:var(--strong);font-weight:700}
.readout{margin-top:14px;font-size:.96rem;color:var(--body)}
.readout b{color:var(--strong)}
.readout.bad,.readout.bad b{color:var(--warn)}
.readout a{color:var(--accent);font-weight:700;text-decoration:underline}
.calc-cta{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
.calc-cta .btn{flex:1 1 180px}
.micro{display:flex;gap:16px;flex-wrap:wrap;justify-content:center;margin-top:12px;font-size:.8rem;color:var(--slate);font-weight:600}
.micro span::before{content:"\2713";color:var(--good);font-weight:900;margin-right:5px}
.calc-note{font-size:.72rem;color:var(--mute);margin-top:14px;line-height:1.45}

/* numbered steps */
.steps{list-style:none;counter-reset:s}
.steps li{counter-increment:s;display:grid;grid-template-columns:60px 1fr;gap:18px;padding:22px 0;border-top:1px solid var(--line-2)}
.steps li:last-child{border-bottom:1px solid var(--line-2)}
.steps li::before{content:counter(s);display:grid;place-items:center;width:46px;height:46px;border-radius:14px;background:var(--gold);color:var(--btn-ink);font-family:var(--display);font-weight:800;font-size:1.2rem;box-shadow:0 10px 22px -10px rgba(229,184,59,.8)}
.steps h3{font-size:1.14rem;margin-bottom:4px}
.steps p{color:var(--slate);font-size:.97rem}

/* NEPQ question cards */
.asks{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:18px}
.asks li{padding:26px 26px 24px;border-radius:18px;background:var(--surface);border:1px solid var(--line-2);position:relative}
.asks li::before{content:"?";position:absolute;top:20px;right:22px;width:34px;height:34px;border-radius:50%;display:grid;place-items:center;
  background:rgba(229,184,59,.2);color:var(--accent);font-family:var(--display);font-weight:800}
.asks q{display:block;font-family:var(--display);font-size:1.22rem;font-weight:700;line-height:1.3;color:var(--strong);quotes:none;padding-right:44px}
.asks p{color:var(--slate);margin-top:10px;font-size:.96rem}
.asks-close{margin-top:34px;display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap;padding:24px 28px;border-radius:18px;background:rgba(229,184,59,.14);border:1px solid rgba(229,184,59,.45)}
.asks-close p{color:var(--strong);font-size:1.08rem;font-weight:600;max-width:600px}

/* two paths */
.duo{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.path{background:var(--surface);border:1px solid var(--line-2);border-radius:22px;padding:34px 32px 30px;display:flex;flex-direction:column;box-shadow:var(--shadow)}
.path.main{border:2px solid var(--gold);position:relative}
.path .tag{display:inline-block;align-self:flex-start;font-size:.72rem;font-weight:800;letter-spacing:1.2px;text-transform:uppercase;padding:6px 12px;border-radius:999px;background:var(--chip);color:var(--slate);margin-bottom:18px}
.path.main .tag{background:var(--gold);color:var(--btn-ink)}
.path h3{font-size:1.55rem;line-height:1.2;margin-bottom:10px}
.path > p{color:var(--body)}
.path .stat{display:flex;align-items:baseline;gap:10px;margin:18px 0 0;padding:14px 16px;border-radius:14px;background:var(--surface-2)}
.path .stat b{font-family:var(--display);font-size:1.6rem;color:var(--strong)}
.path .stat span{color:var(--slate);font-size:.88rem}
.path ul{list-style:none;margin:20px 0 26px}
.path li{position:relative;padding-left:28px;margin-bottom:11px;color:var(--body);font-size:.97rem}
.path li::before{content:"\2713";position:absolute;left:0;top:0;width:20px;height:20px;border-radius:50%;background:rgba(18,122,75,.12);color:var(--good);font-weight:900;font-size:.72rem;display:grid;place-items:center;margin-top:2px}
.path .go{margin-top:auto;display:flex;gap:16px;align-items:center;flex-wrap:wrap}
.path .go a.more{color:var(--accent);font-weight:700}

/* comparison table */
.tbl-wrap{overflow-x:auto;border:1px solid var(--line-2);border-radius:18px;background:var(--surface);box-shadow:var(--shadow)}
.tbl{width:100%;border-collapse:collapse;min-width:820px;font-size:.93rem}
.tbl th,.tbl td{padding:16px 18px;text-align:left;vertical-align:top;border-top:1px solid var(--line)}
.tbl thead th{border-top:0;font-family:var(--display);font-size:1rem;color:var(--strong);background:var(--surface-2)}
.tbl thead th.here{background:#0B2545;color:#F0CC5E}
.tbl tbody th{color:var(--slate);font-weight:700;font-size:.78rem;letter-spacing:.5px;text-transform:uppercase;width:150px}
.tbl td{color:var(--body)}
.tbl td.here{background:#FFFBEF;color:var(--strong)}
.tbl-foot{font-size:.8rem;color:var(--mute);margin-top:14px;max-width:820px}

/* fit check */
.fit{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:40px}
.fit-col{padding:30px 30px 18px;border-radius:18px;background:var(--surface);border:1px solid var(--line-2)}
.fit-col:first-child{border-top:4px solid var(--good)}
.fit-col + .fit-col{border-top:4px solid var(--warn)}
.fit-col h3{font-size:1.12rem;margin-bottom:18px}
.fit-col ul{list-style:none}
.fit-col li{position:relative;padding-left:28px;margin-bottom:14px;color:var(--body);font-size:.97rem}
.fit-col li::before{content:"\2713";position:absolute;left:0;top:2px;width:20px;height:20px;border-radius:50%;display:grid;place-items:center;font-size:.72rem;font-weight:900;background:rgba(18,122,75,.12);color:var(--good)}
.fit-col + .fit-col li::before{content:"\2715";background:rgba(194,65,12,.1);color:var(--warn)}
.fit-col li a{color:var(--accent);font-weight:700}

/* honest notes */
.notes{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.notes div{padding:22px 24px;border-radius:16px;background:var(--surface);border:1px solid var(--line-2)}
.notes h3{font-size:1.04rem;margin-bottom:6px}
.notes p{color:var(--slate);font-size:.95rem}

/* faq */
.faq details{background:var(--surface);border:1px solid var(--line);border-radius:14px;margin-bottom:10px;padding:0 20px;transition:box-shadow .15s}
.faq details[open]{box-shadow:var(--shadow);border-color:rgba(229,184,59,.6)}
.faq summary{list-style:none;cursor:pointer;font-weight:700;color:var(--strong);padding:18px 36px 18px 0;position:relative;font-size:1.02rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:12px;width:28px;height:28px;border-radius:50%;display:grid;place-items:center;background:var(--chip);font-size:1.2rem;color:var(--strong);font-weight:500}
.faq details[open] summary::after{content:"\2013";background:var(--gold);color:var(--btn-ink)}
.faq details p{color:var(--body);padding:0 10px 20px 0;margin-top:-4px}
.faq details p a{color:var(--accent);font-weight:700}
.faq-group{font-size:.76rem;font-weight:800;letter-spacing:1.4px;text-transform:uppercase;color:var(--accent);margin:30px 0 10px}
.faq-group:first-child{margin-top:0}

/* closing box (navy) */
.close-box{display:grid;grid-template-columns:1.3fr auto;gap:40px;align-items:center;background:
    radial-gradient(600px 300px at 100% 0, rgba(229,184,59,.28), transparent 60%),linear-gradient(165deg,#123A6B,#0B2545);
  border-radius:24px;padding:48px;box-shadow:var(--shadow-lg)}
.close-box p{color:var(--body);margin-top:10px;font-size:1.06rem}
.close-actions{display:flex;flex-direction:column;gap:16px;align-items:flex-start}

/* footer (navy) */
footer{background:#081A33;color:#9FB3D1;padding:54px 0 30px;font-size:.9rem;margin-top:88px}
.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:36px;margin-bottom:34px}
footer .logo img{height:38px;opacity:.95}
footer h4{color:#fff;font-size:.85rem;letter-spacing:1px;text-transform:uppercase;margin-bottom:14px;font-family:var(--font)}
footer ul{list-style:none} footer li{margin-bottom:9px} footer a:hover{color:#fff}
.disclaimer{border-top:1px solid rgba(255,255,255,.1);padding-top:22px;font-size:.78rem;color:#7F93AE;line-height:1.6}
.disclaimer p{margin-bottom:10px}
.disclaimer strong{color:#C7D4E5}

/* sticky mobile action bar */
.mbar{display:none}

@media(max-width:900px){
  .hero-grid,.split,.close-box,.duo{grid-template-columns:1fr;gap:32px}
  .hero h1{font-size:2.35rem}
  .fit,.asks,.notes{grid-template-columns:1fr}
  .fgrid{grid-template-columns:1fr;gap:24px}
  .nav-links{display:none}.menu-btn{display:block}
  .nav-links.open{display:flex;position:absolute;top:74px;left:0;right:0;flex-direction:column;align-items:flex-start;
    background:#0B2545;padding:18px 24px;gap:16px;border-bottom:1px solid rgba(255,255,255,.1);box-shadow:var(--shadow)}
  .nav-links.open a{color:#fff}
  .close-box{padding:32px 26px}
  .mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;gap:10px;padding:10px 12px calc(10px + env(safe-area-inset-bottom));
    background:rgba(11,37,69,.97);border-top:1px solid rgba(255,255,255,.12);backdrop-filter:blur(10px)}
  .mbar a{flex:1;padding:13px 10px;font-size:.95rem}
  .mbar .btn.ghost{color:#fff;border-color:rgba(255,255,255,.4)}
  body{padding-bottom:76px}
}
@media(max-width:560px){
  .hero h1{font-size:1.95rem}
  h2{font-size:1.7rem}
  .calc-body{padding:20px 18px 22px}
  .ledger th,.ledger td{padding:9px 10px}
  .asks q{font-size:1.12rem}
  .path{padding:28px 22px 24px}
  .vs .big{font-size:1.65rem}
}

/* "Not sure which fits?" call-or-text box */
.unsure{margin-top:26px;padding:26px 28px;border-radius:18px;background:var(--navy);color:#DCE6F2;display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap;box-shadow:var(--shadow)}
.unsure h3{color:#fff;font-size:1.2rem;margin-bottom:4px}
.unsure p{margin:0;font-size:.97rem;color:#C9D6E6}
.unsure .acts{display:flex;gap:10px;flex-wrap:wrap}
.unsure .btn.ghost{color:#fff;border-color:rgba(255,255,255,.45)}
@media (max-width:640px){.unsure .acts,.unsure .acts .btn{width:100%}.unsure .acts .btn{text-align:center;justify-content:center}}