/* ============================================================
   SunBill — shared stylesheet
   Premium fintech-grade design system. Plain CSS, no frameworks,
   mobile-first, no build step.
   Palette: deep navy/ink + warm solar amber. No garish gradients.
   Type: Fraunces (display) + Inter (body), loaded via Google Fonts
   in each page's <head>.
   ============================================================ */

:root {
  --ink: #0e1f31;            /* deep navy ink — body text */
  --navy: #14324e;           /* headings / footer */
  --navy-deep: #081827;      /* hero / darkest surfaces */
  --amber: #f5a609;          /* warm solar accent */
  --amber-deep: #b45309;     /* amber safe for text on white */
  --amber-soft: #fdf4e1;     /* tinted amber surfaces */
  --green: #15803d;          /* money-positive accent only */
  --green-soft: #f0fdf4;
  --bg: #f5f7fa;             /* page background */
  --card: #ffffff;
  --muted: #5c6f83;          /* secondary text */
  --faint: #8ea0b3;
  --border: #e1e8f0;
  --border-soft: #edf1f6;
  --radius: 18px;
  --radius-sm: 10px;
  --shadow: 0 1px 2px rgba(8, 24, 39, 0.05), 0 10px 28px -12px rgba(8, 24, 39, 0.16);
  --shadow-lg: 0 2px 4px rgba(8, 24, 39, 0.06), 0 24px 48px -16px rgba(8, 24, 39, 0.22);
  --max-w: 1120px;
  --font-display: "Fraunces", Georgia, "Times New Roman", serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  font-size: 1.02rem;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

::selection { background: var(--amber); color: var(--navy-deep); }

.container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
}

main.container { padding-top: 40px; padding-bottom: 72px; }

/* ---------- Typography ---------- */
h1, h2, h3 {
  font-family: var(--font-display);
  color: var(--navy-deep);
  line-height: 1.2;
  letter-spacing: -0.01em;
}
h1 { font-size: 2.5rem; font-weight: 700; margin: 0 0 18px; }
h2 { font-size: 1.65rem; font-weight: 600; margin: 48px 0 16px; }
h3 { font-size: 1.2rem; font-weight: 600; margin: 28px 0 10px; }
main h2::after {
  content: "";
  display: block;
  width: 44px; height: 4px;
  background: var(--amber);
  border-radius: 2px;
  margin-top: 10px;
}
/* headings inside tinted bands / hero keep their own look */
.hero h2::after, .cta-band h2::after, .cta-box h2::after,
.assumptions h2::after, .quote-aside h2::after { display: none; }

p { margin: 0 0 16px; }
a { color: #1d5fb8; text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--navy-deep); }
small, .small { font-size: 0.875rem; color: var(--muted); }
strong { color: var(--navy-deep); }

:focus-visible {
  outline: 3px solid rgba(245, 166, 9, 0.55);
  outline-offset: 2px;
  border-radius: 4px;
}

/* ---------- Header ---------- */
.site-header {
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border-soft);
  position: sticky;
  top: 0;
  z-index: 100;
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding-top: 13px;
  padding-bottom: 13px;
  flex-wrap: wrap;
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  font-family: var(--font-display);
  font-size: 1.45rem;
  font-weight: 700;
  color: var(--navy-deep);
  text-decoration: none;
  white-space: nowrap;
  letter-spacing: -0.01em;
}
.brand-mark { width: 30px; height: 30px; flex-shrink: 0; }
.site-nav {
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}
.site-nav a:not(.btn) {
  color: var(--ink);
  text-decoration: none;
  font-weight: 600;
  font-size: 0.95rem;
  position: relative;
  padding: 4px 0;
}
.site-nav a:not(.btn)::after {
  content: "";
  position: absolute; left: 0; bottom: 0;
  width: 0; height: 2px;
  background: var(--amber);
  border-radius: 1px;
  transition: width 0.18s ease;
}
.site-nav a:not(.btn):hover { color: var(--navy-deep); }
.site-nav a:not(.btn):hover::after { width: 100%; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: 999px;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 1rem;
  text-decoration: none;
  border: none;
  cursor: pointer;
  transition: transform 0.06s ease, box-shadow 0.18s ease, background 0.18s ease, color 0.18s ease;
  text-align: center;
  line-height: 1.3;
}
.btn:active { transform: scale(0.98); }
.btn-primary {
  background: var(--amber);
  color: var(--navy-deep);
  box-shadow: 0 6px 18px -6px rgba(245, 166, 9, 0.65);
}
.btn-primary:hover { background: #ffba26; color: var(--navy-deep); box-shadow: 0 8px 22px -6px rgba(245, 166, 9, 0.7); }
.btn-secondary {
  background: transparent;
  color: var(--navy-deep);
  border: 2px solid var(--navy-deep);
  box-shadow: none;
}
.btn-secondary:hover { background: var(--navy-deep); color: #fff; }
.btn-lg { padding: 16px 38px; font-size: 1.08rem; }
.site-nav .btn { padding: 10px 20px; font-size: 0.92rem; }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy-deep);
  color: #b8c6d6;
  padding: 48px 0 36px;
  font-size: 0.92rem;
}
.site-footer .footer-brand {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: var(--font-display);
  font-size: 1.25rem; font-weight: 700; color: #fff;
  margin-bottom: 14px;
}
.site-footer a { color: #e8eef5; }
.site-footer .footer-links {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
  margin: 18px 0;
}
.site-footer .footer-links a { text-decoration: none; font-weight: 600; }
.site-footer .footer-links a:hover { color: var(--amber); }
.site-footer .disclaimer { font-size: 0.82rem; color: #8fa2b8; margin: 14px 0; max-width: 70ch; }
.site-footer .copy { font-size: 0.82rem; color: #8fa2b8; margin: 18px 0 0; padding-top: 18px; border-top: 1px solid rgba(255,255,255,0.1); }

/* ---------- Hero (home) ---------- */
.hero {
  background: var(--navy-deep);
  color: #fff;
  border-radius: 26px;
  padding: 72px 56px;
  margin-bottom: 56px;
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.hero .sun-rings {
  position: absolute;
  right: -90px; top: -90px;
  width: 420px; height: 420px;
  pointer-events: none;
  opacity: 0.9;
}
.hero > *:not(.sun-rings) { position: relative; z-index: 1; }
.hero .kicker {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 0.82rem; font-weight: 700;
  letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--amber);
  margin: 0 0 18px;
}
.hero .kicker::before {
  content: ""; width: 26px; height: 2px; background: var(--amber); border-radius: 1px;
}
.hero h1 { color: #fff; font-size: 3rem; margin-bottom: 18px; max-width: 640px; font-weight: 700; }
.hero h1 .accent { color: var(--amber); }
.hero p.lead { font-size: 1.18rem; color: #c9d6e4; max-width: 600px; margin-bottom: 32px; }
.hero .hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 30px; }
.hero .btn-secondary { color: #fff; border-color: rgba(255,255,255,0.65); }
.hero .btn-secondary:hover { background: #fff; color: var(--navy-deep); border-color: #fff; }
.trust-chips {
  display: flex; gap: 10px; flex-wrap: wrap;
  margin: 0; padding: 0; list-style: none;
}
.trust-chips li, .trust-chips span {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 0.85rem; font-weight: 600; color: #dbe4ee;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: 999px;
  padding: 7px 15px;
}
.trust-chips .tick { color: var(--amber); font-weight: 800; }

/* ---------- Cards / sections ---------- */
.section { margin: 56px 0; }
.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.card {
  background: var(--card);
  border: 1px solid var(--border-soft);
  border-radius: var(--radius);
  padding: 30px 28px;
  box-shadow: var(--shadow);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.card .step-num {
  display: inline-flex; align-items: center; justify-content: center;
  width: 42px; height: 42px; border-radius: 50%;
  background: var(--amber-soft); color: var(--amber-deep);
  border: 2px solid var(--amber);
  font-family: var(--font-display);
  font-weight: 700; font-size: 1.15rem; margin-bottom: 16px;
}
.card h3 { margin: 0 0 10px; font-size: 1.25rem; }
.card p { color: var(--muted); margin-bottom: 0; font-size: 0.98rem; }

.stat-card { text-align: center; border-top: 4px solid var(--amber); }
.stat-card .stat-num {
  font-family: var(--font-display);
  font-size: 2.4rem; font-weight: 700; color: var(--navy-deep);
  font-feature-settings: "tnum";
  margin-bottom: 6px;
}
.stat-card .stat-label { font-size: 0.92rem; color: var(--muted); margin: 0; }

.cta-band {
  background: var(--navy-deep);
  color: #fff;
  border-radius: 26px;
  padding: 56px 40px;
  text-align: center;
  margin: 64px 0;
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.cta-band::before {
  content: "";
  position: absolute; left: 50%; top: -120px;
  width: 340px; height: 340px; border-radius: 50%;
  transform: translateX(-50%);
  background: radial-gradient(circle, rgba(245,166,9,0.16) 0%, transparent 65%);
  pointer-events: none;
}
.cta-band > * { position: relative; z-index: 1; }
.cta-band h2 { color: #fff; margin: 0 0 12px; font-size: 2rem; }
.cta-band p { color: #c9d6e4; max-width: 520px; margin: 0 auto 28px; }

/* ---------- Forms ---------- */
.form-card {
  background: var(--card);
  border: 1px solid var(--border-soft);
  border-radius: 22px;
  padding: 40px;
  box-shadow: var(--shadow-lg);
  max-width: 680px;
  position: relative;
}
.form-card::before {
  content: "";
  position: absolute; top: 0; left: 40px; right: 40px;
  height: 4px; border-radius: 0 0 4px 4px;
  background: var(--amber);
}
.field { margin-bottom: 24px; }
.field > label { display: block; font-weight: 700; margin-bottom: 8px; color: var(--navy-deep); font-size: 1rem; }
.field .hint { font-size: 0.86rem; color: var(--muted); font-weight: 400; margin-top: 8px; display: block; }
input[type="text"], input[type="email"], input[type="tel"], input[type="number"], select {
  width: 100%;
  padding: 14px 16px;
  border: 2px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 1.02rem;
  font-family: inherit;
  color: var(--ink);
  background: #fff;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
input::placeholder { color: var(--faint); }
input:focus, select:focus {
  outline: none;
  border-color: var(--amber);
  box-shadow: 0 0 0 4px rgba(245, 166, 9, 0.18);
}
input.invalid, select.invalid { border-color: #dc2626; }
input.invalid:focus { box-shadow: 0 0 0 4px rgba(220, 38, 38, 0.12); }
.field .error {
  color: #b91c1c; font-size: 0.88rem; font-weight: 600;
  margin-top: 8px; display: none;
}
.field .error.show { display: block; }

/* Radio pills */
.radio-row { display: flex; gap: 12px; flex-wrap: wrap; }
.radio-row label {
  display: inline-flex; align-items: center; gap: 10px;
  font-weight: 600; cursor: pointer;
  border: 2px solid var(--border);
  border-radius: 999px;
  padding: 11px 20px;
  transition: border-color 0.15s ease, background 0.15s ease, box-shadow 0.15s ease;
  user-select: none;
}
.radio-row label:hover { border-color: var(--faint); }
.radio-row label:has(input:checked) {
  border-color: var(--amber);
  background: var(--amber-soft);
  box-shadow: 0 0 0 3px rgba(245, 166, 9, 0.15);
  color: var(--navy-deep);
}
.radio-row input[type="radio"] { accent-color: var(--amber-deep); width: 18px; height: 18px; margin: 0; flex-shrink: 0; }

/* Checkbox */
.checkbox-row { display: flex; gap: 12px; align-items: flex-start; }
.checkbox-row input[type="checkbox"] {
  margin-top: 4px; width: 20px; height: 20px; flex-shrink: 0;
  accent-color: var(--amber-deep); cursor: pointer;
}
.checkbox-row label { cursor: pointer; color: var(--ink); font-size: 0.95rem; }

/* Honeypot: visually hidden but not display:none (fools simple bots) */
.hp { position: absolute; left: -9999px; top: auto; width: 1px; height: 1px; overflow: hidden; }

/* Range slider (calculator bill control) */
.range-wrap { margin-top: 14px; }
input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 28px;
  background: transparent;
  cursor: pointer;
  padding: 0;
  border: none;
}
input[type="range"]::-webkit-slider-runnable-track {
  height: 8px; border-radius: 4px;
  background: linear-gradient(to right, var(--amber) 0%, var(--amber) var(--fill, 30%), var(--border) var(--fill, 30%), var(--border) 100%);
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 26px; height: 26px; border-radius: 50%;
  background: #fff;
  border: 3px solid var(--navy-deep);
  margin-top: -9px;
  box-shadow: 0 2px 8px rgba(8, 24, 39, 0.25);
  transition: transform 0.12s ease;
}
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.12); }
input[type="range"]::-moz-range-track {
  height: 8px; border-radius: 4px; background: var(--border);
}
input[type="range"]::-moz-range-progress {
  height: 8px; border-radius: 4px; background: var(--amber);
}
input[type="range"]::-moz-range-thumb {
  width: 20px; height: 20px; border-radius: 50%;
  background: #fff; border: 3px solid var(--navy-deep);
  box-shadow: 0 2px 8px rgba(8, 24, 39, 0.25);
}
.range-scale {
  display: flex; justify-content: space-between;
  font-size: 0.8rem; color: var(--faint); font-weight: 600;
  margin-top: 2px; font-feature-settings: "tnum";
}

/* ---------- Calculator results ---------- */
#results { display: none; margin-top: 40px; }
#results.show { display: block; }
#results.show .result-tile,
#results.show > h2,
#results.show .breakdown,
#results.show .result-cta {
  animation: rise 0.5s cubic-bezier(0.22, 0.61, 0.36, 1) both;
}
#results.show .result-tile:nth-child(2) { animation-delay: 0.08s; }
#results.show .result-tile:nth-child(3) { animation-delay: 0.16s; }
#results.show .result-tile:nth-child(4) { animation-delay: 0.24s; }
@keyframes rise {
  from { opacity: 0; transform: translateY(16px); }
  to { opacity: 1; transform: none; }
}

.result-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
  margin-bottom: 28px;
}
.result-tile {
  background: var(--card);
  border: 1px solid var(--border-soft);
  border-radius: var(--radius);
  padding: 26px 24px;
  box-shadow: var(--shadow);
  position: relative;
  overflow: hidden;
}
.result-tile::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: var(--amber);
  opacity: 0.9;
}
.result-tile .label {
  font-size: 0.78rem; color: var(--muted);
  text-transform: uppercase; letter-spacing: 0.08em; font-weight: 700;
}
.result-tile .value {
  font-family: var(--font-display);
  font-size: 2.5rem; font-weight: 700; color: var(--navy-deep);
  margin: 8px 0 6px;
  font-feature-settings: "tnum";
  letter-spacing: -0.02em;
}
.result-tile .value.money { color: var(--green); }
.result-tile .sub { font-size: 0.87rem; color: var(--muted); line-height: 1.55; }
.result-cta { text-align: center; margin: 34px 0; }

.breakdown {
  width: 100%; border-collapse: collapse; margin: 18px 0;
  font-size: 0.97rem; background: var(--card);
  border: 1px solid var(--border-soft); border-radius: var(--radius-sm);
  overflow: hidden; box-shadow: var(--shadow);
}
.breakdown th, .breakdown td { text-align: left; padding: 13px 16px; border-bottom: 1px solid var(--border-soft); }
.breakdown th { color: var(--muted); font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; }
.breakdown td:last-child, .breakdown th:last-child { text-align: right; font-feature-settings: "tnum"; font-weight: 600; white-space: nowrap; }
.breakdown tbody tr:last-child td { border-bottom: none; }
.breakdown tr.total td {
  font-weight: 800; color: var(--navy-deep); font-size: 1.06rem;
  background: var(--amber-soft);
}

/* ---------- Assumptions panel ---------- */
.assumptions {
  background: var(--card);
  border: 1px solid var(--border-soft);
  border-top: 4px solid var(--amber);
  border-radius: var(--radius);
  padding: 32px;
  margin-top: 40px;
  box-shadow: var(--shadow);
}
.assumptions h2 { margin-top: 0; font-size: 1.4rem; display: flex; align-items: center; gap: 10px; }
.assumptions h2 .shield { color: var(--amber-deep); flex-shrink: 0; }
.assumptions ul { margin: 0; padding: 0; list-style: none; }
.assumptions li {
  margin-bottom: 12px; font-size: 0.94rem; color: var(--ink);
  padding-left: 26px; position: relative; line-height: 1.6;
}
.assumptions li::before {
  content: "✓";
  position: absolute; left: 0; top: 1px;
  color: var(--amber-deep); font-weight: 800;
}
.assumptions li:last-child { margin-bottom: 0; }

.disclaimer-box {
  background: #eef2f7;
  border-left: 4px solid var(--amber);
  padding: 16px 20px;
  border-radius: 0 12px 12px 0;
  margin: 32px 0;
  font-size: 0.9rem;
  color: var(--muted);
}

/* ---------- Quote page ---------- */
.quote-layout {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 28px;
  align-items: start;
  margin-top: 8px;
}
.quote-layout .form-card { max-width: none; }
.quote-aside {
  background: var(--navy-deep);
  color: #dbe4ee;
  border-radius: 22px;
  padding: 34px 30px;
  box-shadow: var(--shadow-lg);
  position: sticky;
  top: 96px;
}
.quote-aside h2 { color: #fff; font-size: 1.35rem; margin: 0 0 6px; }
.quote-aside > p { color: #a9bccd; font-size: 0.94rem; }
.steps { list-style: none; margin: 22px 0; padding: 0; counter-reset: step; }
.steps li {
  counter-increment: step;
  position: relative;
  padding: 0 0 22px 52px;
}
.steps li::before {
  content: counter(step);
  position: absolute; left: 0; top: 2px;
  width: 36px; height: 36px; border-radius: 50%;
  background: rgba(245, 166, 9, 0.14);
  border: 2px solid var(--amber);
  color: var(--amber);
  font-family: var(--font-display); font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
}
.steps li:not(:last-child)::after {
  content: ""; position: absolute; left: 17px; top: 44px; bottom: 6px;
  width: 2px; background: rgba(245, 166, 9, 0.25); border-radius: 1px;
}
.steps li strong { display: block; color: #fff; font-size: 1rem; margin-bottom: 2px; }
.steps li span { font-size: 0.9rem; color: #a9bccd; }
.quote-aside .small { color: #8fa2b8; }
.quote-aside a { color: var(--amber); }

.success-box {
  background: var(--green-soft);
  border: 2px solid var(--green);
  border-radius: var(--radius);
  padding: 40px 32px;
  text-align: center;
  box-shadow: var(--shadow);
}
.success-box h2 { color: var(--green); margin-top: 0; }
#quote-api-error {
  background: #fef2f2;
  border: 1px solid #fecaca;
  border-radius: var(--radius-sm);
  padding: 12px 16px;
}

/* ---------- Sticky mobile quote CTA ---------- */
.sticky-cta { display: none; }
@media (max-width: 760px) {
  .sticky-cta {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    position: fixed;
    left: 14px; right: 14px;
    bottom: calc(14px + env(safe-area-inset-bottom, 0px));
    z-index: 200;
    background: var(--navy-deep);
    color: #fff;
    text-decoration: none;
    border-radius: 16px;
    padding: 13px 18px;
    box-shadow: 0 12px 32px -8px rgba(8, 24, 39, 0.55);
    border: 1px solid rgba(245, 166, 9, 0.35);
  }
  .sticky-cta .sticky-cta-text { display: flex; flex-direction: column; line-height: 1.3; }
  .sticky-cta .sticky-cta-text strong { color: #fff; font-size: 1rem; }
  .sticky-cta .sticky-cta-text small { color: #a9bccd; font-size: 0.78rem; }
  .sticky-cta .sticky-cta-go {
    background: var(--amber);
    color: var(--navy-deep);
    font-weight: 800;
    border-radius: 999px;
    padding: 10px 20px;
    font-size: 0.92rem;
    white-space: nowrap;
  }
  body:has(.sticky-cta) { padding-bottom: 92px; }
}

/* ---------- Guide articles ---------- */
main.container article { max-width: 800px; }
.lede {
  font-size: 1.2rem;
  color: var(--navy);
  line-height: 1.7;
  border-left: 4px solid var(--amber);
  padding-left: 20px;
  margin: 0 0 32px;
}
article ul:not(.guide-list):not(.steps) { padding-left: 4px; list-style: none; }
article ul:not(.guide-list):not(.steps) li {
  position: relative; padding-left: 26px; margin-bottom: 10px;
}
article ul:not(.guide-list):not(.steps) li::before {
  content: ""; position: absolute; left: 2px; top: 11px;
  width: 14px; height: 3px; border-radius: 2px; background: var(--amber);
}
article table {
  width: 100%; border-collapse: collapse; margin: 22px 0;
  font-size: 0.95rem; background: var(--card);
  border: 1px solid var(--border-soft); border-radius: var(--radius-sm);
  overflow: hidden; box-shadow: var(--shadow);
  display: block; overflow-x: auto;
}
article thead th {
  background: var(--navy-deep); color: #fff;
  text-align: left; padding: 13px 16px; font-size: 0.82rem;
  text-transform: uppercase; letter-spacing: 0.05em; white-space: nowrap;
}
article tbody td { padding: 13px 16px; border-bottom: 1px solid var(--border-soft); vertical-align: top; }
article tbody tr:last-child td { border-bottom: none; }
article tbody tr:nth-child(even) td { background: #fafbfd; }

.guide-list { list-style: none; margin: 0 0 16px; padding: 0; display: grid; gap: 14px; }
.guide-list li {
  background: var(--card);
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-sm);
  padding: 18px 20px;
  box-shadow: var(--shadow);
  transition: transform 0.18s ease, box-shadow 0.18s ease;
}
.guide-list li:hover { transform: translateY(-2px); box-shadow: var(--shadow-lg); }
.guide-list li a { font-weight: 700; font-size: 1.05rem; color: var(--navy-deep); text-decoration: none; }
.guide-list li a:hover { color: var(--amber-deep); }
.guide-list li a::after { content: " →"; color: var(--amber-deep); }

.cta-box {
  background: var(--navy-deep);
  border-radius: var(--radius);
  padding: 40px 36px;
  margin: 44px 0;
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.cta-box::before {
  content: "";
  position: absolute; right: -70px; top: -70px;
  width: 240px; height: 240px; border-radius: 50%;
  background: radial-gradient(circle, rgba(245,166,9,0.22) 0%, transparent 65%);
  pointer-events: none;
}
.cta-box > * { position: relative; z-index: 1; }
.cta-box h2 { color: #fff; margin: 0 0 10px; font-size: 1.5rem; }
.cta-box p { color: #c9d6e4; }
.cta-box p:last-child { margin-bottom: 0; display: flex; gap: 12px; flex-wrap: wrap; }
.cta-box .btn:not(.btn-primary) { color: #fff; border: 2px solid rgba(255,255,255,0.6); background: transparent; }
.cta-box .btn:not(.btn-primary):hover { background: #fff; color: var(--navy-deep); border-color: #fff; }

.updated {
  color: var(--faint); font-size: 0.85rem; font-weight: 600;
  letter-spacing: 0.04em; text-transform: uppercase;
  margin-top: 36px; padding-top: 18px;
  border-top: 1px solid var(--border-soft);
}

/* ---------- Legal pages ---------- */
.legal { max-width: 780px; }
.legal h2 { margin-top: 40px; font-size: 1.35rem; }
.legal .updated { margin-top: 0; border: none; padding: 0 0 8px; }
.legal li { margin-bottom: 8px; }

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .quote-layout { grid-template-columns: 1fr; }
  .quote-aside { position: static; order: 2; }
}

@media (max-width: 760px) {
  body { font-size: 1rem; }
  h1 { font-size: 1.9rem; }
  main h2 { font-size: 1.4rem; }
  main.container { padding-top: 28px; padding-bottom: 56px; }
  .container { padding-left: 18px; padding-right: 18px; }
  .hero { padding: 44px 26px; border-radius: 20px; margin-bottom: 40px; }
  .hero h1 { font-size: 2rem; }
  .hero .sun-rings { width: 260px; height: 260px; right: -70px; top: -70px; opacity: 0.7; }
  .hero p.lead { font-size: 1.05rem; }
  .cards { grid-template-columns: 1fr; }
  .result-grid { grid-template-columns: 1fr; }
  .result-tile .value { font-size: 2.1rem; }
  .form-card { padding: 26px 20px; }
  .form-card::before { left: 20px; right: 20px; }
  .site-nav { gap: 14px; }
  .site-nav a:not(.btn) { font-size: 0.9rem; }
  .site-nav .btn { padding: 9px 16px; font-size: 0.85rem; }
  .cta-band { padding: 40px 24px; border-radius: 20px; margin: 48px 0; }
  .cta-band h2 { font-size: 1.6rem; }
  .cta-box { padding: 30px 24px; }
  .assumptions { padding: 24px 20px; }
  .breakdown td:last-child, .breakdown th:last-child { white-space: normal; }
  .btn-lg { width: 100%; }
  .hero .btn-lg { width: auto; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}
